普惠金融-小微指数显示：2025年三季度，小微企业融资成本稳步下降，金融服务可得性和效率均有所 提升 普惠金融服务体系和能力持续提升。国家金融监管总局、中国人民银行联合发布的《银行业保险业普惠 金融高质量发展实施方案》提出银行保险机构要坚持又普又惠的基本原则，持续提升覆盖面和可得性， 推动降低综合成本。2025年三季度，普惠金融-小微服务指数结果显示，金融服务可得性和质量均有所 上升。其中可得指数运行至203.47点，环比增长3.02%；质量指数运行至111.76点，环比增长0.31%。 新华财经北京12月19日电近日，"普惠金融-小微指数"第30期成果发布。指数结果显示，2025年三季 度，小微企业融资成本显著下降，资金供给持续增长，金融服务的可得性和质量进一步提升，小微企业 发展情况稳中向好。金融加力支持小微企业，扎实做好普惠金融大文章，进一步服务实体经济高质量发 展。 普惠小微贷款保持量增、价降、质优发展态势。根据人民银行统计数据，截至2025年9月末，普惠小微 贷款余额36.1万亿元，同比增长12.2%，在制度持续优化和产品服务不断创新的双轮推动下，普惠小微 贷款余额持续增长。普惠金融-小微融资指数结 ...

摘要： 弘康人寿聚焦于保障的"充分性"和"有效性"，致力于通过商业保险的创新实践，破解"保障不足"这一普惠金融深水区的难题，将"提升保险保障的获得感""让 每个人更容易获得足额保障"确立为自身发展的核心驱动力和使命担当，扎实推进普惠保险高质量发展，书写了一篇有温度、有深度、有广度的普惠金融大 文章。 创新产品供给，打破 " 足额保障 " 的价格与责任壁垒 要实现"足额保障"的普惠目标，关键在于通过精算创新和产品设计，让消费者能够以可负担的成本，获得真正足额的风险保障。弘康人寿在此方面进行了卓 有成效的探索。 弘康人寿成立十三年来，聚焦于保障的"充分性"和"有效性"，致力于通过商业保险的创新实践，破解"保障不足"这一普惠金融深水区的难题，将"提升保险 保障的获得感""让每个人更容易获得足额保障"确立为自身发展的核心驱动力和使命担当，扎实推进普惠保险高质量发展。 关键词： 普惠金融、产品创新、金融活水、高质量发展、足额保障 案例正文： 在新时代金融改革发展的浪潮中，普惠金融不仅是国家战略的重要组成，更是金融机构践行"金融为民"初心的具体体现。2025年3月，国务院办公厅印发 《关于做好金融"五篇大文章"的指导意见 ...

县域经济是国民经济的基本单元，承担着连接城市和农村、推动区域均衡发展的重要任务。在深化金融 供给侧结构性改革、推动经济高质量发展的背景下，东源农商银行聚焦养老金融、普惠金融、科技金融 等重点领域，以定制方案破困局、以实地调研摸需求、靠创新模式提质效，让金融活水精准滴灌县域发 展各领域，在服务地方经济中交出了一份扎实的"实干答卷"。 定制方案畅通金融助老路 发展养老金融是金融机构服务民生的重要抓手。近日，《金融时报》记者跟随东源农商银行蓝口支行工 作人员走进河源市区某养老院，一场"实地走访+需求对接"的养老金融深度实践在此展开。 "完全投产后，我们能提供400多个就业岗位，年利润预计超1900万元，每年能给地方贡献近500万元税 收。"林女士说。 模式创新拓宽融资渠道 在广东某钢铁有限公司的生产车间里，机器轰鸣、钢水飞溅。这家年产值超7亿元的钢铁制品企业正谋 划着扩建一条高精度钢材生产线，但"资金需求大、周期长"的痛点成了拦路虎。 针对这一难题，东源农商银行灯塔支行创新推出"双主体授信+分阶段放款"模式，核定预授信6980万 元，首阶段放款590万元。为确保风险可控，该行建立"三查三访"机制：贷前查经营数据、查 ...

Group 1 - The development of small and micro enterprises is significantly supported by precise financial services, creating a more effective inclusive finance network in Heze City, Shandong Province [1] - Tianbao Peony Biotechnology Co., Ltd. successfully transformed its intellectual property into financing through a customized pledge financing scheme, receiving a loan of 6 million yuan within three days, which reflects market recognition of its intellectual property value [2][3] - The People's Bank of China in Heze has facilitated 2.174 billion yuan in re-loans for agricultural and small enterprises, benefiting over 7,000 inclusive market entities by November 2025 [3] Group 2 - The establishment of a national credit information sharing platform for small and micro enterprises allows financial institutions to assess businesses based on operational activities rather than fixed assets, enabling companies like Guoyi Fresh Food to secure a 20 million yuan credit loan [4] - The efficiency of financial services has improved, with loan approval times reduced to 1-3 working days, and a total of 6.41 billion yuan in new credit has been granted to enterprises in Heze [5] - Supply chain finance has addressed the liquidity needs of small enterprises, exemplified by Qiyu Window Co., which completed a financing process in just three hours, receiving 650,000 yuan based on accounts payable [6][7] Group 3 - As of October 2025, the balance of inclusive small and micro loans in Heze reached 92.615 billion yuan, a year-on-year increase of 20.27%, benefiting 115,900 market entities and adding 3,655 new private small loan clients [6] - The interest rate for newly issued inclusive small and micro loans decreased by 0.77 percentage points year-on-year, ranking among the top in Shandong Province [6]

Core Insights - The "Inclusive Finance - Micro and Small Enterprises Index" 30th edition indicates a significant decrease in financing costs for micro and small enterprises by Q3 2025, with continuous growth in funding supply and improved accessibility and quality of financial services [1] - The index reflects a stable and positive development trend for micro and small enterprises, supported by robust financial backing and effective implementation of inclusive finance strategies [1] Financing Trends - By the end of September 2025, the balance of inclusive micro and small loans reached 36.1 trillion yuan, marking a year-on-year increase of 12.2%, driven by ongoing optimization of systems and innovation in product services [1] - The financing supply index rose to 209.45 points in Q3 2025, reflecting a quarter-on-quarter increase of 2.12%, indicating ample financing availability [1] - Over 70% of micro and small enterprises reported that the financing amounts met their needs, demonstrating high satisfaction with financing [1] Cost and Efficiency - The financing price index decreased to 65.32 points, down 4.92% quarter-on-quarter, indicating a steady decline in comprehensive financing costs for micro and small enterprises [4] - The average interest rate for newly issued loans (in both domestic and foreign currencies) in September was approximately 3.1%, which is about 40 basis points lower than the same period last year [4] - The financing efficiency index increased to 215.09 points, up 1.04% quarter-on-quarter, with nearly 60% of micro and small enterprises able to receive loans in a timely manner or even ahead of schedule [4] Service Quality and Accessibility - The inclusive finance service system and capabilities are continuously improving, as highlighted in the "Implementation Plan for High-Quality Development of Inclusive Finance in the Banking and Insurance Industries" [6] - The service accessibility index reached 203.47 points, reflecting a quarter-on-quarter increase of 3.02%, while the quality index rose to 111.76 points, up 0.31% [6] Industry Development - The inclusive finance development index remained stable at 52.48 points, with a slight quarter-on-quarter increase of 0.21% [9] - The China Small and Medium Enterprises Development Index for September was reported at 89.0, indicating a favorable trend for micro and small enterprises [9] - The business environment for micro and small enterprises continues to improve, with the inclusive finance - micro and small business index at 57.85 points, showing a slight increase of 0.02% [9] - Financing price indices across five major sample industries (wholesale and retail, manufacturing, leasing and business services, construction, and scientific research and technical services) have all decreased, reflecting the effectiveness of monetary policy measures [9]

Core Insights - The "Songyuan Agricultural Risk Management Project" by CITIC Futures and the UN World Food Programme won the "Best Poverty Reduction Case" at the 2025 Global Poverty Reduction Partners Seminar, highlighting its innovative approach to rural revitalization and food security [1][2][8] Group 1: International Recognition - The project was recognized in a global solicitation for effective poverty reduction practices, affirming its innovative model and significant impact [2] - The award signifies the transition of the "Songyuan Model" from a local initiative in Jilin Province to a globally recognized poverty reduction example [2] Group 2: Project Innovation - The project employs a dual protection network combining "insurance + futures" and integrated water and fertilizer technology to address agricultural risks [3][4] - Financial contributions included $1 million from Cargill, 600,000 RMB from CITIC Futures, and 246,000 RMB from farmers, establishing a multi-stakeholder collaboration [3] Group 3: Policy Impact - The project has influenced domestic policy, being incorporated into Jilin Province's 2025 Agricultural Insurance Implementation Plan, allowing futures prices to be integrated into income insurance for risk hedging [5] - It has been recognized in various authoritative publications, enhancing its status as a model for agricultural risk management [5] Group 4: Future Outlook - CITIC Futures aims to further promote the "Songyuan Model" and deepen the application of inclusive finance in agriculture to support national food security and sustainable development [6]

Core Viewpoint - Ningbo Bank, as a nationally significant bank and a top global bank, focuses on creating value through professionalism and aims to support the real economy with its strategic orientation towards technology finance, green finance, inclusive finance, pension finance, and digital finance during the "14th Five-Year Plan" period [2][3]. Group 1: Financial Performance - As of September 2025, Ningbo Bank's total assets exceeded 3.5 trillion yuan, reaching 35,783.96 billion yuan, a growth of 14.50% from the beginning of the year, demonstrating strong asset expansion capabilities [2]. - The net profit attributable to shareholders for the first three quarters was 22.445 billion yuan, an increase of 8.39% year-on-year, indicating stable profit growth despite challenging external conditions [2][3]. - The non-performing loan ratio remained stable at 0.76%, with a provision coverage ratio of 375.92%, showcasing the bank's strong risk management capabilities [3]. Group 2: Technology Finance - Ningbo Bank has established a dedicated Technology Finance Department to provide comprehensive financial services for technology enterprises, focusing on their core needs across funding, technology, industry, and supply chains [4]. - The bank has successfully set up a 500 million yuan industrial fund in Jiaxing, enhancing project success rates to over 50% through a closed-loop system of fund investment and project implementation [5]. Group 3: Green Finance - By mid-2025, Ningbo Bank's green loan balance reached 68.814 billion yuan, an increase of 18.270 billion yuan from the beginning of the year, supporting the transition to a low-carbon economy [6]. - The bank issued five green bonds with a total amount of 7 billion yuan, and invested in 57 green bonds, holding a balance of 2.626 billion yuan [7]. Group 4: Inclusive Finance - In the first half of 2025, Ningbo Bank provided over 38 billion yuan in credit support to more than 20,000 small and micro enterprises, demonstrating its commitment to inclusive finance [8]. - The bank's "Bobo Zhila" platform offers comprehensive services, including carbon calculation and declaration, supporting enterprises in navigating development challenges [9]. Group 5: Pension Finance - Ningbo Bank's pension loan balance reached 790 million yuan by mid-2025, a significant increase of 273% from the beginning of the year, reflecting its focus on the aging population's financial needs [10]. - The bank has launched 170 personal pension products, catering to various age groups and risk preferences, enhancing wealth accumulation for residents [10]. Group 6: Digital Finance - Ningbo Bank has upgraded its digital product offerings, including the "Kunpeng Treasury" and "Financial Manager," to enhance service efficiency for enterprises [12]. - The bank has successfully facilitated equipment mortgage financing for manufacturing enterprises, alleviating financial pressures on small and medium-sized businesses [12][13].

"十四五"期间，招商银行成都分行坚持把金融服务实体经济作为根本宗旨，持续深化金融供给侧结构性改革，不断提升服务经济高质量发展的能力与质效， 取得了显著成效。 "全周期伙伴"赋能企业跨越式发展 据悉，招商银行成都分行业务团队与当地某生物医药公司建立了合作关系，为其提供开户、结算等金融服务。随着企业快速发展，在其筹备上市关键阶段， 招商银行成都分行展现出专业的跨境服务能力。 在上市进程中，该行充分发挥集团化优势，为企业提供资管支持。上市后，招商银行成都分行继续为企业提供海外资金管理服务，通过跨境资金管理方案帮 助企业提高资金收益。当企业进入规模扩产时，该行业务团队及时提供项目贷款，支持企业研发与扩容。这种全周期、一站式的金融服务模式体现了该行服 务实体经济、支持科技创新的理念。 布局"十五五"，招商银行成都分行将继续围绕成都市16条重点产业链持续深入园区企业服务，精细化梳理重点产业链上下游关键环节，绘制详细产业图谱， 助力更多中小微企业融入产业链，助力园区构建"圈链融合"金融服务新生态。 做好金融"五篇大文章"构建全周期金融服务生态 转自：新华财经 在绿色金融方面，招商银行成都分行致力于将绿色低碳理念融入发展战略 ...

Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy aimed at specific small overdue debtors, providing a limited-time opportunity for credit restoration [1][5]. Group 1: Policy Details - The policy applies to personal overdue information occurring between January 1, 2020, and December 31, 2025, with a single overdue amount not exceeding 10,000 RMB. Full repayment by March 31, 2026, will result in the removal of related overdue records from credit reports [5][6]. - The policy features "automatic enjoyment," meaning individuals do not need to apply or submit materials; eligible cases will be processed automatically by the credit system without any fees or third-party involvement [5][6]. Group 2: Beneficiaries and Implementation - The policy primarily benefits individuals who have experienced small overdue debts due to non-subjective factors such as unemployment or illness since 2020, including ordinary wage earners, small business owners, and individual entrepreneurs [5][7]. - The implementation of the policy is characterized by three principles: a defined period, a specified amount, and certain conditions, ensuring a balance between accessibility and risk control [6][7]. Group 3: Impact on Personal Credit Applications - Experts believe the policy will have a positive effect on personal credit applications, as eligible overdue information will no longer be displayed, potentially improving approval rates for loans and credit [8][9]. - Financial institutions may initially assess creditworthiness differently, but as the credit system adjusts, the approval process is expected to normalize [8][9]. Group 4: Recommendations for Individuals - Individuals are advised to take advantage of this opportunity by ensuring full repayment of debts by March 31, 2026, to benefit from the policy without incurring any costs [9]. - Establishing sustainable credit management habits is recommended, including timely repayments, monitoring credit reports, and avoiding excessive debt [9].

Core Insights - The banking industry is undergoing a significant transformation towards a digital and ecological model in the era of inclusive finance 2.0, with joint efforts from banks, government, and park management to enhance financial support for small and micro enterprises [2][3][4] Group 1: "园区贷" (Park Loan) - "园区贷" connects finance and industry through industrial parks, addressing the financing challenges faced by small and micro enterprises by leveraging park credit value and operational data for accurate credit assessment [2][3] - Various cities have implemented policies to support "园区贷," with Shenzhen and Beijing leading initiatives to enhance financial backing for enterprises within parks [3][4] - The model shifts from traditional single-enterprise lending to a systematic approach focusing on the entire park as a customer group, allowing banks to deepen their engagement in inclusive finance [3] Group 2: Supply Chain Finance - Supply chain finance offers a new path for banks to acquire customers by serving core enterprises and their upstream and downstream partners, significantly improving financing success rates for small and micro enterprises [5][6] - Data from the "China Enterprise Supply Chain Finance White Paper (2025)" indicates that financing success rates for small and micro enterprises can increase by over 40% when leveraging core enterprise credit, with costs reduced by 20-30% [5] - The model integrates various flows (contract, invoice, cash, goods, data) to enhance efficiency and transparency, distinguishing it from traditional financial services [5] Group 3: 投贷联动 (Investment-Loan Linkage) - 投贷联动 combines bank credit and equity investment to support high-growth, high-risk tech enterprises, addressing the mismatch between loan returns and risks [7][8] - The exploration of 投贷联动 has been ongoing since 2016, with banks encouraged to pilot this model to better serve tech enterprises [7] - Two main models exist: internal linkage with bank investment subsidiaries and external linkage with VC/PE firms, with the latter being more flexible and widely adopted [8][9] Group 4: Future Outlook - The integration of internal and external investment strategies through AIC (Asset Investment Company) will enhance the ability of banks to provide comprehensive financial solutions, creating a sustainable business path for inclusive finance [9]