Core Viewpoint - Inclusive insurance is a crucial part of inclusive finance, continuously upgraded in China under national policy guidance, injecting strong momentum into social security and common prosperity [2] Group 1: Product Innovation - The inclusive insurance sector is accelerating its development, with a focus on tailored products to address coverage gaps, driven by the common prosperity strategy and inclusive finance policies [3] - The National Financial Regulatory Administration issued guidelines in June 2024 to enhance the quality of inclusive insurance, emphasizing the need for a robust product supply system targeting specific fields and risk groups [3] - Local innovations are emerging in the insurance coverage for new citizens and gig economy workers, with customized insurance plans addressing specific occupational risks [4] Group 2: Service Innovation - The enhancement of service quality is essential for improving product competitiveness, with digital transformation being a key focus for the industry [7] - Insurance companies are implementing smart underwriting and fully automated claims processes to simplify procedures and reduce operational costs [7] - Banks are becoming frontline service providers for inclusive insurance, offering one-stop services that integrate insurance with banking operations [8] Group 3: Environmental Innovation - The sustainable development of inclusive insurance requires collaboration among government, enterprises, and banks to create a cooperative ecosystem [9] - Government policies and resource support are vital for the construction of the inclusive insurance ecosystem, while industry organizations help reduce product development costs [9] - Despite the rapid growth of bank-insurance cooperation, challenges such as product homogeneity and insufficient service collaboration remain [9][10]

"茶香贷"2天到账、"生猪贷"信用直批、"数智贷"灵活还款……在小微企业车间、乡村田间地头，这样 的普惠金融"及时雨"场景愈发常见。作为服务小微主体、赋能乡村振兴的关键力量，普惠金融正迎来创 新实践的蓬勃发展期。 南都"中国普惠金融行"系列深调研发现，当前普惠小微金融正从"增量扩面"的规模化发展阶段，加速 向"提质优结构"的高质量发展阶段转型。在此背景下，国内多家城商行立足区域经济特色，探索出一条 以"特色产品定制+政银协同赋能+基层网点下沉"为核心的普惠金融特色化经营路径，有效打通小微企 业、涉农主体"融资难、融资慢、融资贵"的堵点，让金融活水更精准、更高效地滴灌实体经济，为区域 发展注入持续动能。 因地制宜：特色贷款"贷"动区域产业焕生机 在政府层面，近年来，政府相关部门聚焦普惠金融痛点，从政策完善、风险分担、信息共享三方面发 力，推动信用评价体系创新，筑牢融资保障基础。2025年上半年，湖北省率先推出三大信用价值贷款改 革：针对科技型企业的"知识价值信用贷"、面向中小企业的"商业价值信用贷"、服务农户与农村主体 的"两农信用价值贷"，完全基于纯信用评价授信，打破传统抵押依赖。同年9月22日，广州市地方金 ...

近日，由联办集团、和讯联合主办，财经中国会承办的"财经中国2025年会暨第23届财经风云榜"在京举 行。本次大会以"寻找中国经济破局之路"为主题，共同探讨中国经济发展关键挑战与转型机遇。会 上，"第23届财经风云榜"正式揭晓，农银人寿荣膺"2025年度高质量发展保险公司"与"2025年度品质服务 保险公司"双项大奖。 自2013年挂牌成立以来，农银人寿始终坚定保险保障初心，大力推进转型升级，致力于推进公司高质量发 展。2025年，公司不断提升综合服务水平和企业内生动力，服务客户数量超过2100万，连续五年获评保险 公司经营评价结果最高等级A类，连续两年在人身险公司监管评级中获得最高级1级，为公司持续高质量 发展奠定了坚实基础。 以产品为本，坚定保障初心。农银人寿深耕养老金融，积极开发各类商业养老保险产品，有效满足多样化 养老需求，建立健全周期长、收益稳、风险低的养老产品体系。其中，"农银人寿百岁人生（A款）"专属 商业养老保险产品正式入驻电子社保卡平台，为超10亿的电子社保卡用户提供安全稳健、多重保障、投资 灵活的养老保险服务，积极助力养老"第三支柱"保险业务高质量发展。同时，公司积极服务普惠金融，打 造短期 ...

Core Viewpoint - The central financial work conference during the "14th Five-Year Plan" period emphasizes the goal of accelerating the construction of a financial power, aiming to create a capital market that is "safe, standardized, transparent, open, vibrant, and resilient" to promote high-quality financial development in the new era [1] Group 1: Company Development and Strategy - The company is committed to implementing the spirit of the 20th National Congress of the Communist Party and the series of important instructions from General Secretary Xi Jinping regarding financial work, focusing on a path of financial development with Chinese characteristics [1][2] - The number of party branches within the company increased from 4 to 21 during the "14th Five-Year Plan," with the proportion of party members rising from 12% to 20%, enhancing the grassroots party organization's role [2] - The company has been recognized for its strong leadership and core competitiveness, with continuous improvement in various operational indicators [2] Group 2: Focus on Core Business - The company focuses on its main responsibilities, utilizing the futures market for price discovery, risk management, and resource allocation to support the stable development of real enterprises [3] - In serving technology finance, the company has expanded its services to national-level specialized and innovative enterprises, providing comprehensive solutions such as hedging and consulting [3] - The company has established a significant advantage in green finance, contributing to the industrial chains of industrial silicon, lithium carbonate, and polysilicon, while also participating in the preparation for the listing of electricity and carbon emission rights [3] Group 3: Social Responsibility and Financial Inclusion - The company has successfully conducted 445 "insurance + futures" projects, benefiting nearly 250,000 farmers with compensation exceeding 200 million yuan [4] - It has established a public welfare futures trader education base in Chongqing, producing over 4,000 original educational materials and reaching more than 750,000 people since its operation began in October 2021 [4] - The company is enhancing its professional service capabilities in pension finance and has introduced age-friendly services to protect investor rights [4] Group 4: Regional Development - The company has been deeply involved in the "智融惠畅" project in Chongqing, assisting in the establishment of the first log futures delivery warehouse and enhancing regional resource allocation capabilities [5][6] - It provides risk management services to traditional and emerging industries in Chongqing, contributing to the growth of the "33618" modern manufacturing cluster [6] Group 5: Collaborative Development - The company is strengthening internal and external collaboration to enhance customer service quality, building a comprehensive business advantage through a nationwide collaborative network [7] - It integrates services with various stakeholders, including government, exchanges, and educational institutions, to expand its service ecosystem and enhance brand image [7] Group 6: Risk Management - The implementation of the futures and derivatives law during the "14th Five-Year Plan" is crucial for the industry to serve the real economy and mitigate financial risks [8] - The company is enhancing its risk prevention and compliance management systems, focusing on early detection and resolution of risks [8] Group 7: Future Outlook - As the "15th Five-Year Plan" begins, the company aims to continue its commitment to serving the real economy, focusing on financial innovation and risk management to support national strategic goals [9]

12月22日，在格隆汇举办的"科技赋能·资本破局"分享会暨"金格奖"年度卓越公司评选中，奇富科技凭借 其在社会责任与可持续发展领域的扎实实践与突出表现，荣获"社会责任奖"。 此次获奖，是资本市场对奇富科技长期坚持"科技向善"、将社会责任深度融入企业基因的充分肯定。在 ESG日益成为衡量企业长期价值关键尺度的今天，奇富科技的系统性实践，不仅构建了差异化的品牌护 城河，也为自身带来了稳健可持续的增长动力。 特别是通过服务数百万小微市场主体，帮助它们获得必要的经营资金，公司有效发挥了金融科技在"稳 就业、促民生"中的积极作用。这不仅是对"普惠金融"号召的响应，更体现了其商业模式本身所蕴含的 深层社会价值。数据显示，在2024年，奇富科技全年协助金融机构向泛小微企业投放信贷资金达1003.7 亿元，占到了公司当年整体业务规模的31.2%。 另一方面，在服务国家乡村振兴战略方面，2024年，奇富科技协助金融机构向"三农"领域投放贷款 124.4亿元，累计服务农民人数达398万人。其信贷资源重点投向农业生产经营、乡村特色产业升级等领 域，直接助力农业生产效率提升和农民收入增长。 与此同时，公司不止于金融助农，还积极开展科 ...

为让普惠金融更具持续性，物产中大期货不断创新服务模式：2021年正式设立100万元"保险+期货"专项 基金，为项目落地提供稳定资金支持；持续完善"保险+期货""订单+期权"等组合服务模式，针对不同地 区的产业特点定制解决方案，既防范价格波动风险，又助力打通产销链路；此次在绿春县"保险+期 货"项目中启用的党建联建机制，更是将金融服务与地方发展深度绑定，通过与当地职能部门党支部共 建，整合政策、技术、金融资源，围绕产业提质增效、农户风险防范、金融知识普及等方面开展长效合 作，让"输血式帮扶"升级为"造血式赋能"。 在绿色金融与乡村振兴协同推进的国家战略指引下，物产中大期货始终坚守服务实体经济初心，将"保 险+期货"业务作为服务实体经济、践行社会责任的重要载体。 2025年9月15日，在上海期货交易所的大力支持下，物产中大期货在云南省绿春县启动天然橡胶"保险 +期货"项目，以专业金融工具为边境地区特色产业筑牢风险"防护网"。12月10日，物产中大期货工作人 员再赴绿春县，与县农科局深化对接调研，并通过党建联建机制为项目提质增效、长效帮扶夯实根基， 用实际行动诠释国企金融机构的责任与担当。 绿春县作为我国边境地区的 ...

Core Insights - The "Inclusive Finance - Micro and Small Enterprises Index" indicates a significant decrease in financing costs for micro and small enterprises by Q3 2025, with a continuous increase in funding supply and improved accessibility and quality of financial services [1][3] - The balance of inclusive micro and small loans reached 36.09 trillion yuan, reflecting a year-on-year growth of 12.2% as of the end of September 2025 [1] - Over 70% of micro and small enterprises reported that their financing needs were met, indicating a high level of satisfaction with financing availability [1] Financing Cost and Efficiency - The financing price index decreased to 65.32 points, a decline of 4.92% from the previous period, indicating a stable reduction in comprehensive financing costs for micro and small enterprises [2] - The weighted average interest rate for newly issued loans in September was approximately 3.1%, down about 40 basis points year-on-year [2] - The financing efficiency index rose to 215.09 points, with nearly 60% of micro and small enterprises able to receive loans in a timely manner, reflecting improved financing efficiency [2] Financial Service Quality - The inclusive finance service system and capabilities are continuously improving, with a focus on enhancing coverage and accessibility while reducing overall costs [3] - The service availability index reached 203.47 points, increasing by 3.02%, and the quality index rose to 111.76 points, up by 0.31% [6] - The inclusive finance development index remained stable at 52.48 points, with the micro and small business environment showing steady improvement [7] Sector-Specific Insights - The financing price index for five major sample industries (wholesale and retail, manufacturing, leasing and business services, construction, and scientific research and technical services) showed a decline, indicating the effectiveness of the accommodative monetary policy [7] - The service availability and quality indices for these industries also increased, with construction, manufacturing, and scientific research sectors experiencing over 2% growth in availability [7] Index Overview - The Inclusive Finance - Micro and Small Enterprises Index, launched by the China Economic Information Service and China Construction Bank, serves as a "barometer" and "guideline" for inclusive financial services to micro and small enterprises [8]

近期，在中国人民银行广东省分行指导下，南方都市报社、湾财社开启"中国普惠金融行"广东银行业普 惠金融创新实践案例征集和推广活动。活动获得百余家广东银行业金融机构积极响应和参与，共收到百 余家机构提交的139个创新案例，涵盖"普惠金融数智转型""普惠型供应链金融"和"区域特色普惠金 融"三大方向。 2025年7月，南方都市报普惠金融深调研小组启动"中国普惠金融行"系列深调研，足迹遍及长三角地 区、中部地区和西南地区等全国多个核心区域，实地走访了包括商业银行、消费金融公司在内的十余家 代表性金融机构，系统梳理了当前我国普惠金融在服务模式、产品创新等方面的前沿实践与显著成效。 作为本次大会的重要一环，凝结实地调研精髓的《中国普惠金融行创新深调研报告(2025)》也将正式发 布。 来自广东省内外的高校专家、专业机构代表和媒体代表组成评审团，按照7大维度对申报案例进行了逐 项打分。依据专家评审的量化得分，综合考量参评机构的规模等情况，并结合相关建议与共识，主办方 最终评选出30个优秀案例，其中，普惠金融数智转型优秀案例10个，普惠型供应链金融优秀案例5个， 区域特色普惠金融优秀案例15个。 这30个获奖案例来源广泛，涵 ...

Core Insights - The company, Xinyi Consumer Finance Co., Ltd., has been a pioneer in expanding consumer finance trials in China since its establishment in 2014, focusing on "finance for the people" and providing tailored financial services to various customer segments [1][2] Group 1: Product and Service Innovation - Xinyi Consumer Finance has developed a comprehensive product system covering the entire lifecycle of consumer credit, including products like "Xingjia Loan" and "Youke Tong," designed to meet diverse consumer needs [2][3] - The company employs a risk-based pricing model to offer personalized credit policies, ensuring a "one-size-fits-one" approach to consumer finance [2][3] Group 2: Market Expansion and Service Delivery - The company has been recognized as a key player in boosting consumption through its role as one of the few consumer finance companies involved in the implementation of the personal consumption loan subsidy policy [4] - Xinyi Consumer Finance utilizes both online and offline channels to enhance service delivery, with a focus on integrating user experience and expanding service capabilities [4][5] Group 3: Risk Management and Operational Efficiency - The company emphasizes a strong risk management culture, ensuring compliance and ethical standards in its operations while building a comprehensive risk governance system [5] - Xinyi Consumer Finance has achieved full online processing of consumer loan products, enhancing operational efficiency through digital technology [5] Group 4: Regional Focus and Community Engagement - The company tailors its financial services to regional characteristics, aligning with local economic conditions and the rural revitalization strategy to enhance service precision [6][7] - Xinyi Consumer Finance actively develops financial products that cater to the specific needs of rural customers, contributing to improved living standards and stimulating rural consumption [6][7]

Core Viewpoint - The financial regulatory bureau of Zoucheng aims to enhance the high-quality development of the county economy by implementing a "Financial Services into Ten Thousand Enterprises" initiative, focusing on precise financing needs, innovative insurance models, and optimized financial services to create an inclusive financial service system that effectively reaches market entities [1] Group 1: Financing Solutions - The introduction of a "bank + town" joint visit model to address financing difficulties in key sectors, with 1-2 banks matched to each town based on local industry characteristics, resulting in 56,000 enterprises visited and over 5,000 effective financing needs identified [2] - A total of 4,899 enterprises were recommended for financing, with 116.4 billion yuan allocated to 4,655 entities [2] - The role of "financial deputy town heads" has been established, with 16 financial professionals assigned to towns to assist small and micro enterprises in understanding policies and addressing financing needs [2] Group 2: Insurance Innovations - Innovative insurance services have been developed, including coverage for "Zoucheng Mushroom" brand against geographical trademark infringement losses, expanding risk protection [3] - Insurance services have been extended to cover the entire process from pre-incident to post-incident, with 16 water pumps provided to assist farmers in flood management [3] - Collaborative services between banks and insurance institutions have been promoted, offering comprehensive support including financial guidance and safety training, with eight training sessions conducted [3] Group 3: Enhancing Financial Services - The introduction of a "financial consultation" mechanism to provide targeted support for struggling enterprises through joint diagnostics and strategies from banks and financing guarantee institutions [4] - Promotion of customized credit products based on big data from tax, business, and transaction flows, including innovative offerings like "Credit E-loan" and "Tax E-loan" [4] - Efforts to reduce financing costs have led to a 0.9 percentage point decrease in the interest rates of newly issued loans for small and micro enterprises [4]