中国工商银行苏州分行认真学习贯彻党的二十大和二十届历次全会精神以及中央经济工作会议、中央金 融工作会议精神，落实中央稳经济一揽子政策，立足苏州经济社会高质量发展坚实基础和广阔市场，发 挥领军银行作用，加大投融资投放力度，在服务地方经济发展的务实笃行中，书写金融赋能高质量发展 的生动篇章。至2025年11月末，表内外投融资余额超7800亿元，本外币贷款余额超7000亿元、新增586 亿元，人民币实质性贷款新增470亿元。 聚焦主责主业，全方位加大金融服务力度 持续做好重大项目融资支持。工行苏州分行深度融入长三角一体化发展国家战略，聚焦"两新""两 重"和"两重一薄"等重点领域，持续加大金融服务供给力度。2025年以来累计跟进对接苏州市重点项目 逾550个，实现信贷投放超220亿元，有力保障区域重大项目的资金需求，为苏州经济社会高质量发展注 入强劲金融动能。 助力苏州现代化产业体系建设。工行苏州分行创新产业集群和科技型企业审贷"苏州方案"，高效支持现 代化产业体系建设，制造业贷款总量超2000亿元，专精特新"小巨人"企业服务覆盖率超80%。前瞻性开 展低空经济、新一代集成电路等专题研究，聚焦高端科学仪器、稀土高端 ...

新华社 ar · 中国银行业总资产近470万亿元,位居世界第一 ● 股票、债券市场规模位居世界第二 · 外汇储备规模连续20年位居世界第一 ● 在绿色金融、普惠金融、数字金融等方面走在 世界前列 A 面积:12 85 加快餐建现代金 金融是国民经济的血脉。"十四五"时期，我国加快构建中国特色现代金融体系，牢牢守住系统性风 险安全底线，为高质量发展注入磅礴动能。银行业总资产近470万亿元，稳居世界第一；股票、债券市 场规模全球第二，彰显市场深度；五年间为实体经济提供新增资金170万亿元，畅通高质量发展血 脉…… 金融活则经济活，金融稳则全局稳。从服务实体的坚定不移，到金融开放的波澜壮阔，中国金融正 以更雄浑的格局、更蓬勃的活力，迈向规模更庞大、结构更优化、运行更稳健的现代化金融强国。 力量力的能 MIT 凯信斯 ● 设立中央金融委员会、中央金融工作委员会 ● 加强党中央对金融工作的集中统一领导 ● 加快构建现代金融体系 ● 金融治理体系和治理能力现代化迈上新台阶 HE READ THE · 银行业保险业为实体经济提供新增资金170万亿元 新华社 95 ●科研技术贷款、制造业中长期贷款年均增长 27.2%、21. ...

Core Viewpoint - The transformation from industrial capital to financial capital and now to technological capital is reshaping economic development, with technological capital becoming a significant driving force for both technological and economic advancement [1][3]. Group 1: Capital Accumulation in Technology - Capital is increasingly concentrating in the technology sector, significantly promoting technological development and the emergence of new productive forces [4]. - Investment in technology is becoming a key driver in financial markets, with venture capital flowing into the technology sector. In China, the proportion of venture capital in the technology sector is rising, while in the U.S., it remains high [5]. - By the end of 2024, the market capitalization of the technology sector in A-shares is expected to reach 42.7%, while in U.S. markets, it is projected to be 46.5% [5]. Group 2: Investment Institutions and Financial Tools - The focus of technology financing is shifting from Wall Street to industrial capital, with corporate venture capital and strategic investments from technology leaders reshaping the venture capital landscape [6]. - By 2025, funds led by technology core enterprises are expected to account for 51% of total venture capital, surpassing traditional venture capital for the first time [6]. - The global allocation of insurance funds to technology equity is projected to reach 1.32 trillion yuan, representing 35% of total technology equity financing by 2025 [6]. Group 3: Mergers and Acquisitions - The proportion of mergers and acquisitions in China's technology sector is showing a fluctuating upward trend, reaching 30.4% of total industry mergers by the end of 2024 [6]. - The U.S. continues to dominate the global technology M&A landscape, leading market trends [6]. Group 4: Regional Dynamics - Global technology investment is forming a "three-pole pattern," with capital rapidly concentrating in technology-financially developed regions such as North America, Asia-Pacific, and Europe [7]. - Different economies are developing differentiated technology financing models, with the U.S. excelling in venture capital and the EU focusing on policy-driven financing [7]. Group 5: Empowering Financial Systems - The financial system is undergoing profound changes driven by technology, transitioning from mere technical applications to fundamentally reshaping financial services [8]. - The proportion of technology talent in major financial centers is increasing, reflecting the deepening digital transformation in the financial sector [8]. Group 6: Collaborative Development in the Yangtze River Delta - Anhui, as a key region in the Yangtze River Delta, is encouraged to leverage its regional advantages to foster collaborative development in technology and finance [9]. - Specific recommendations include deepening market reforms to empower technology financial product innovation and enhancing knowledge property financing practices [9][10].

2024年11月，中国人民银行等七部门联合印发《推动数字金融高质量发展行动方案》，支持金融机构以 数字技术赋能提升金融"五篇大文章"服务质效，推动我国数字经济高质量发展。 作为坚守"三农"服务主阵地的国有大行，中国农业银行山东省分行（以下简称"农行山东省分行"）迅速 响应政策号召，运用数字技术赋能，持续优化金融产品，上线"大棚保"场景，助力农户破解生产痛点， 让数字红利切实直达田间地头。 科技扎根大棚，让种植告别"看天吃饭" 面对这个不起眼的小设备，妻子燕青香起初满是疑虑："就这么个小玩意儿，真能解决大问题？"面对疑 问，农行工作人员并未急于辩解，而是通过耐心讲解功能、手把手教学操作，指导她通过手机小程序实 时查看大棚温湿度数据。 "大棚保"的实效很快显现。一天深夜，燕青香被手机上的预警铃声惊醒，显示棚内湿度急剧上升，温度 也在持续下降，蔬菜面临冻害风险。她立刻叫醒家人，按照提示打开通风设备，调整温控系统，成功避 免了损失。 "除了实时监测温湿度，'大棚保'还能监测长势，用手机拍下叶子状态，专家就能给诊疗建议。"刘杰介 绍道。 如今，借助"大棚保"，刘杰夫妻二人的大棚管理变得更加科学高效。 智慧赋能棚舍，数字 ...

中证报中证网讯（王珞）近期，北京上市公司协会（以下简称"北上协"）围绕"金融高质量发展与做好 五篇大文章"主题开展了三场走进上市公司调研活动。在该系列活动中，北上协组织会员单位走进北京 银行、农业银行以及邮储银行。 该系列活动由北京证监局指导，北上协主办，各上市公司承办，北京上市公司独立董事、董事会秘书、 证券事务代表、相关领域负责人、媒体记者以及协会秘书处专职工作人员等150余人参加活动。 该系列活动以"调研参观+座谈交流"的形式展开，各参与调研活动的上市公司代表与银行面对面交流， 深入探讨金融机构如何通过科技金融、绿色金融、普惠金融、养老金融、数字金融这"五篇大文章"，精 准赋能实体经济。 北京银行：深耕科创的"首善"标准 9月15日，北上协开启了以"金融高质量发展与做好五篇大文章"为专题的第一场调研座谈活动——走进 北京银行。 11月26日，调研团走进农业银行，这也是系列调研的第二站。农业银行董事会秘书刘清介绍，农行"因 农而生，因农而兴，因农而强"，服务乡村振兴是农行"两大定位"之一。目前，农行40%的贷款、44%的 存款分布在中国的县域地区。在服务乡村振兴的同时，农行高度重视城市业务的发展与创新，形 ...

Group 1 - The "2025 Digital Finance and Technology Finance Conference" was recently held in Zhongguancun, showcasing innovative digital financial services and application cases [1] - Beijing Haofeng Chuangyuan Technology Co., Ltd. (Haofeng Technology) won the "2025 5th Digital Financial Service Innovation and Application Case Excellent Case Award" for its "Big Data-based Intelligent Financial Statistical Data Management System" [2] - The award-winning system is based on domestic Kunpeng processors, Galaxy Kirin (openEuler system), domestic openGauss database, and DeepSeek-R1 model, providing a high-performance platform for financial data statistical analysis [2] Group 2 - Haofeng Technology's wholly-owned subsidiary, Huasoft Jinke, has become a prominent IT partner for many financial institutions in China, adhering to the development philosophy of "Technology for Innovation, Finance for Simplicity" [3] - The company has received various certifications, including high-tech enterprise recognition, dual-software enterprise certification, and CMMI Level 3, ISO9001, ISO27001, and ISO20000 standards [3] - Huasoft Jinke holds over 40 independent intellectual property software copyrights and has been awarded titles such as "Shandong Excellent Software Enterprise" and "Technology Market Golden Bridge Award" [3]

来源：今日建行 党的二十届四中全会审议通过的《建议》提出："加快建设金融强国""大力发展科技金融、绿色金融、 普惠金融、养老金融、数字金融"。日前，人民日报专版刊发《做好"五篇大文章" 推动金融高质量发展 （高质量发展故事汇·第13期）》，建行"建融智医"平台被选为"数字金融"案例。该平台帮助四川省人 民医院优化退费对账功能，大幅提升服务效率。 对账从7人到1人 单次问答检索从63秒到12秒 点击视频一起来看 "建融智医"背后 隐藏着怎样的智慧大脑？ 清晨，川西坝子还未完全苏醒，四川省人民医院已开始忙碌，财务部曾部长的指尖在键盘上飞舞。"建 行'建融智医'平台帮医院把对账退费那些功能全部打通了，还上线了自助问答库，代替了原来的纸质指 南，办事效率提高了一大截。" 在这里，每一秒钟都关乎健康。今年春天，"建融智医"平台在医院搭建。为了让使用系统的体验感更 好，工作人员通过走访调研，围绕用户管理异常账单处理等归纳出9类问答指引，形成30多项常见问答 库并上线至平台。单一问答检索时间从原先的平均63秒缩短到12秒以内。这些数字化运营举措让每一次 对账更智能、每一笔医药费的退付更顺畅，资金流转效率快一分，百姓的心安就 ...

Group 1: Company Overview - Shandong Kaiguite Plastic Industry Co., Ltd. is a leading enterprise in the high-end plastic industry park in Ju County, with products exported to Europe, America, and Central Asia [1] - The company has experienced a 60% year-on-year increase in order volume, particularly for self-developed high-end products like rice husk tableware and functional preservation films, achieving a daily shipment volume of 5,000 to 6,000 boxes [1] - To seize market opportunities and strengthen its industry position, the company plans to expand biodegradable product capacity and upgrade product testing equipment, enhancing core competitiveness through technological iteration [1] Group 2: Financial Services - Ju County Rural Commercial Bank focuses on online digital financial services, with the "Plastic Ten Thousand Families" special credit product at its core, precisely addressing the high-quality development needs of plastic enterprises [2] - The bank has integrated multi-dimensional data from various government departments and industry associations to create a comprehensive data system, enabling it to capture the financing needs of enterprises for capacity expansion and upgrades [2] - The "Plastic Ten Thousand Families" service allows for a streamlined online financing process, with loans approved and funds disbursed within 48 hours, significantly improving the efficiency of obtaining financing for enterprises [2][3] Group 3: Impact on Industry - Shandong Kaiguite Plastic Industry has deeply integrated with the "Plastic Ten Thousand Families" online digital financial service, allowing for efficient management of loans and repayments through mobile banking [3] - The bank has provided over 210 million yuan in loans to 25 enterprises in the Ju County plastic industry association, leading to an increase in production capacity of nearly 20,000 tons and promoting the transformation of the county's plastic industry towards environmental protection, high-end products, and internationalization [3] - The online service model of the bank has broken spatial and temporal limitations, enhancing financing efficiency and positioning "Plastic Ten Thousand Families" as a strong engine for high-quality development in the county's plastic industry [3]

Core Viewpoint - The Guangdong "14th Five-Year" planning proposal emphasizes the strategic role of finance in supporting technological innovation, industrial upgrading, and high-quality development, integrating finance into the construction of a strong technological province [1][3]. Financial Strategy and Innovation - Finance is positioned not just as a resource allocation tool but as a core engine driving technological self-reliance and new development momentum [3]. - The proposal outlines a comprehensive innovation chain that includes "basic research + technological breakthroughs + results transformation + technology finance + talent support" to enhance regional innovation system efficiency [3]. Investment and Capital Development - The document details the creation of an innovative entrepreneurial investment and financing system, fostering high-quality venture capital institutions, and guiding capital towards early, small, long-term, and hard technology investments [3][4]. - It emphasizes the need for collaboration between finance, fiscal policy, and state-owned assets to strengthen government investment fund systems and enhance the effectiveness of fund utilization [4]. Financial Sector Growth - The proposal envisions the construction of a "financial strong province," promoting the development of technology finance, green finance, inclusive finance, pension finance, and digital finance [4]. - It encourages national financial institutions to increase resource allocation in Guangdong and deepen strategic cooperation with large domestic and foreign financial institutions [4]. Market and Investment Dynamics - The proposal aims to leverage government investment to stimulate private sector participation in major projects, enhance private investment activity, and increase the proportion of private investment [4]. - It calls for reforms in the investment and financing system to broaden diversified investment channels and establish a market-driven investment growth mechanism [4]. Risk Management - The proposal highlights the importance of preventing and mitigating risks associated with real estate and small financial institutions to maintain economic and financial security [4].

Core Insights - The article emphasizes the importance of asset securitization in connecting capital markets with the real economy, particularly under the strategic guidance of the central financial work conference focusing on technology finance, green finance, inclusive finance, pension finance, and digital finance [1][2] Group 1: New Economy and Digital Finance - The new economy is characterized by the integration of digital and intelligent technologies, which transforms real-world information into digital information, facilitating rapid dissemination and interaction [2] - The government report for 2025 highlights "new quality productivity" as a primary task, aiming to enhance emerging industries and support small and medium enterprises through digital financial services [2][3] - Digital finance leverages technologies like the internet and big data to provide financial services, which is crucial for the development of the new economy and the real sector [2] Group 2: Asset Securitization and Data Assets - Asset securitization is a vital financing method that offers low costs, quick liquidity, and risk diversification, particularly beneficial for revitalizing state-owned enterprises [3] - The integration of data assets into securitization represents a significant innovation, allowing for a new valuation basis and enabling brokers to convert data assets into tradable securities [3][4] - The article discusses the need for innovative approaches to securitize data assets, focusing on the use of data usage rights and revenue rights as underlying asset pools [4] Group 3: Regulatory Framework and Policy Support - The "three rights" mechanism proposed in the "Data Twenty Articles" aims to separate management, usage, and operational rights of data assets, enhancing their circulation and utilization [6][7] - Recent policies provide a solid foundation for exploring innovative paths in data asset securitization, ensuring compliance and effective management of state-owned data assets [7] Group 4: Innovation in Data Asset Securitization Models - As of September 2025, the Shanghai and Shenzhen exchanges have issued nine data asset-related products, totaling 9.92508 billion yuan, primarily based on infrastructure REITs [8] - The article highlights the emergence of data asset pledge financing as a new funding avenue, although it notes that this method does not fully capture the independent value creation potential of data assets [8][9] - A proposed ideal model focuses on future revenue rights as core assets, aiming to establish a market pricing mechanism for data products and ensure stable cash flow [9][10] Group 5: Practical Exploration and Case Studies - The article outlines the process from data to data asset securitization, emphasizing the importance of rights confirmation, valuation, credit enhancement, and liquidity [12] - A pilot project in Shanghai involving health data products demonstrates the potential for data asset securitization to create stable cash flows and enhance market liquidity [14][16] - The successful implementation of data asset securitization can facilitate the transformation of data from a resource into capital, broadening financing channels for enterprises [17] Group 6: Challenges and Future Directions - Despite ensuring data security and compliance, pricing and valuation of data products remain significant challenges in asset securitization [18] - The need for a dynamic pricing model that considers data quality and market factors is highlighted, along with the importance of collaboration between brokers and technology firms to establish industry standards [18]