民营经济促进法将自2025年5月20日起施行。作为我国第一部专门关于民营经济发展的基础性法律，民 营经济促进法将进一步优化民营经济发展环境，保证各类经济组织公平参与市场竞争，促进民营经济健 康发展和民营经济人士健康成长，构建高水平社会主义市场经济体制，发挥民营经济在国民经济和社会 发展中的重要作用。 此外，银行还应加强与政府部门、担保机构等合作，共同构建良好的金融生态环境。比如，与政府部门 建立有效的信息共享机制，及时获取民营企业经营状况、信用信息等，减少信息不对称，降低信贷风 险；与担保机构合作，完善担保增信机制，为民营企业提供更多融资担保支持，增强民营企业融资能 力。 笔者认为，民营经济促进法为民营经济发展提供了坚实法治保障，银行业作为金融服务实体经济的主力 军，应积极响应，以实际行动落实各项支持举措，为民营经济高质量发展提供更加精准、高效、多元的 金融服务。 （文章来源：证券日报） 在拓宽融资渠道方面，银行应加大信贷投放力度。针对民营企业"短、小、频、急"的融资特点，开发专 属信贷产品，针对科创类民营企业轻资产、重研发等特点，完善特色产品体系，满足其各类资金需求。 同时，还可增加信用贷款占比，对信用良好 ...

■本报记者 杨洁 当前，全国各地春耕正深入推进，商业银行也紧抓春耕备耕重要窗口期，做好相关金融服务，力争保障 各地农业生产开局稳。 《农村金融时报》记者从农业银行获悉，该行聚焦各地春耕春管重点领域和关键时点，提前部署、精准 施策，创新产品、优化服务，持续为各类涉农主体提供定制化、全方位金融服务，护航春耕生产。 小小香椿芽，鼓起了当地村民的"钱袋子"。"农行给了我50万元贷款，让我从最初只有1亩大田发展到现 在的11亩大棚与露天混合种植香椿，产量更有保障。我还兼营香椿收购和运输，收入越来越高。"村民 杨军说。在农行山西运城分行的支持下，金盆村越来越多的村民搞起了香椿综合经营。 农行山西运城分行以金融之力，积极护航当地香椿产业发展壮大，突出用好"一项目一方案"信贷服务模 式，做好农业科技体系、项目、平台、人才一体化服务，支持香椿种植、加工、储存、运输、销售全流 程。截至目前，该行已累计投放贷款超3000万元支持芮城县香椿产业发展。 农行山西分行全力做好"土特产"文章，创新推出"晋品e贷"系列产品，持续加大省内农业"特""优"产业支 持力度。今年以来，该分行投放农业特色产业贷款22.67亿元，助力田间地头"土特产" ...

Group 1 - The core objective of the new policy is to enhance the quality of financial services for small and micro enterprises (SMEs) while maintaining quantity and price stability [1][8] - The 2025 financial service goals for SMEs include "ensuring quantity, improving quality, stabilizing prices, and optimizing structure," with a shift in focus towards supporting sectors such as foreign trade, private enterprises, technology, and consumption [1][8] - The new directive emphasizes the need for financial institutions to avoid disorderly competition and establish a differentiated supply structure to enhance the sustainability of financial services [4][6] Group 2 - The previous "two increases and two controls" metrics for SME financial services have been replaced with a focus on quality and effectiveness, allowing financial institutions to prioritize sustainable service models over mere scale [2][3] - Financial institutions are required to ensure that the growth rate of loans to SMEs matches or exceeds the overall loan growth rate, with specific targets set for large commercial banks and joint-stock banks [2][8] - The policy encourages banks to manage loan pricing based on market conditions and the characteristics of SME clients, aiming to reduce operational costs and improve risk management [4][6] Group 3 - A financing coordination mechanism has been established to facilitate the rapid delivery of credit to SMEs, with significant loan issuance reported through this mechanism [7][8] - The policy aims to deepen collaboration between central and local authorities to enhance the quality of SME support and address operational challenges faced by these enterprises [7][8] - The overall direction of the new policy is expected to improve the financing environment for SMEs and enhance the effectiveness of financial services to the real economy [8]

5月20日，《中华人民共和国民营经济促进法》（以下简称《民营经济促进法》）正式施行，这是我国 第一部专门关于民营经济发展的基础性法律。其中，对解决民营企业融资难题进行了多项规定。 国家金融监督管理总局（以下简称"金融监管总局"）副局长丛林在5月8日召开的国新办新闻发布会上透 露道，近5年，民营企业贷款投放的年平均增速比各项贷款平均增速高出1.1个百分点。业内人士指出， 从立法到实践，民企融资生态的实质性改善仍需增强产品创新、突破风控适配性等壁垒。 破局关键："一业一策"如何精准滴灌 推动解决民营企业融资难、融资贵问题是《民营经济促进法》关注的领域之一。其中提到："金融机构 在依法合规前提下，按照市场化、可持续发展原则开发和提供适合民营经济特点的金融产品和服务，为 资信良好的民营经济组织融资提供便利条件，增强信贷供给、贷款周期与民营经济组织融资需求、资金 使用周期的适配性，提升金融服务可获得性和便利度。" 近年来民营经济领域的金融服务成为持续发力的重点。金融监管总局数据显示，截至2025年一季度末， 民营企业贷款余额为76.07万亿元，同比增长7.41%；普惠型小微企业贷款余额为35.3万亿元，同比增长 12. ...

Group 1: Core Activities and Promotions - The "Let Beauty Happen" campaign by Postal Savings Bank of China aims to enhance service experience and provide diverse financial solutions starting from May 10 [2] - The campaign includes themed activities around debit cards, credit cards, mobile banking, digital RMB, and small loans to meet varied customer needs [2] - Customers can enjoy exclusive discounts, limited-time gifts, and thoughtful services during the campaign [2] Group 2: Customized Services - Postal Savings Bank offers customized debit cards that allow customers to print personal images, enhancing the payment experience [3] - The Mastercard debit card provides convenient and favorable cross-border payment experiences, with partnerships established with over 100,000 merchants in more than 50 countries [4] Group 3: Debit Card Promotions - The bank has launched a "First Binding Discount" campaign for debit card users, covering popular platforms like Douyin, JD.com, Pinduoduo, and Qunar [6][7] - Customers can enjoy a 5 yuan discount for their first binding on any of the mentioned platforms, applicable to various online payment scenarios [7] Group 4: Salary Card Services - The bank has introduced the "Salary Enjoy Series" of exclusive financial products for salary clients, including high-yield fixed deposits and flexible wealth management options [9][10] - The exclusive fixed deposit offers a maximum annual interest rate of 1.5%, ensuring capital protection [9] Group 5: Investment Products - Postal Savings Bank offers "Postal Gold" products with quality assurance and competitive pricing, catering to various investment and gifting needs [12] - The investment gold bars are priced at the base gold price plus 15 yuan per gram, with jewelry priced at a premium of 100-110 yuan per gram [12] Group 6: Fund Distribution Services - The bank's fund distribution service has improved, offering a wide range of fund products with low fees and quick transaction times [14] - The buying fee rate can be as low as 10%, and redemption for public funds is processed within one day [14] Group 7: Credit Services - The "Postal Enjoy Score" credit assessment system provides personalized financial benefits and service upgrades based on multi-dimensional credit evaluations [15] - Customers participating in the score assessment can receive loan rate discount coupons and enter surprise gift draws [16] Group 8: Digital Currency and Mobile Banking - Postal Savings Bank's digital RMB wallet offers discounts for retail purchases in pilot areas, enhancing the consumer experience [20] - The bank's mobile banking app has been upgraded to version 10.0, focusing on personalized and intelligent financial services [22] Group 9: Small Loan Services - The bank provides small loan services tailored for farmers, individual business owners, and small enterprises, with credit loans up to 3 million yuan and mortgage loans up to 10 million yuan [23] - The loan products are designed to meet customer needs with flexible repayment options [23]

人民银行海南省分行引导信贷资源向重点领域、薄弱环节倾斜，金融助力经济高质量发展力度进一 步加大。 金融服务实体经济成效持续提升 一季度海南本外币各项贷款余额超1.3万亿元 海南日报海口5月9日讯(海南日报全媒体记者 王培琳)5月9日，人民银行海南省分行召开2025年第 二季度新闻发布会，海南日报全媒体记者从发布会上获悉，截至3月末，全省本外币各项贷款余额13014 亿元，比年初增加314亿元，同比多增60亿元，同比增长6.9%，增速高于上年同期0.7个百分点。 据介绍，人民银行海南省分行对标海南自贸港封关运作要求，扎实推进金融服务实体经济、自贸港 金融高水平开放等各项工作。加大力度落实适度宽松货币政策，金融服务实体经济成效持续提升。其 中，综合运用窗口指导、央行结构性货币政策工具等多种措施，指导银行业金融机构加大信贷投放，对 实体经济的信贷支持作用明显增强。 截至3月末，全省本外币各项贷款余额13014亿元;各项存款余额15093亿元，同比增长10.4%，增速 高于上年同期4个百分点，高于全国平均水平3.5个百分点。其中，住户存款余额8079亿元，同比增长 10.8%，增速高于上年同期0.7个百分点。 与此同 ...

21世纪经济报道记者李览青 上海报道 随着2024年年报对外披露，去年民营银行的高管与股东变动情况也浮出水面。 21世纪经济报道记者梳理19家民营银行2024年年报发现，去年至今，19家银行中有10家董事长、行长、 副行长等职位出现变动，有的是行内提拔，有的是股东派驻，还有部分机构从同业引入了相关人才。 纵观民营银行高管变更的原因，主要是行长、董事长等到龄退休，或集团内部职务调整，仅新网银行原 董事长王航出于工作原因辞任，华瑞银行原董事长曹彤出于个人原因辞职。 大多从外部引入的民营银行"一、二把手"都具有丰富的银行、互联网金融从业背景，其加入也将对这些 银行发展战略产生一定影响。 具有代表性的民营银行有5家，分别是新网银行、富民银行、众邦银行、亿联银行、湖南三湘银行。 2024年1月，富民银行原行长楚龙春到龄退任，同年7月，赵卫星获批出任富民银行行长、董事。赵卫星 是一位互联网金融"老兵"，曾担任蚂蚁金融微贷事业部运营总监，参与筹建网商银行并担任执行董事、 副行长，此后相继担任新网银行行长、小米天星金融副总裁、华林证券CEO。在新上任后，赵卫星公开 表示，当前银行金融服务的发展正步入3.0阶段，这是一个全新的 ...

Core Points - The National People's Congress Standing Committee passed the "Private Economy Promotion Law" on April 30, 2023, which will take effect on May 20, 2025 [1] - The law aims to provide a robust legal framework to support the sustainable, healthy, and high-quality development of the private economy in China [3] Group 1: Legal Framework and Implementation - The Ministry of Justice will focus on establishing a long-term mechanism for administrative law enforcement supervision, ensuring compliance with the new law [2][3] - A special action will be launched to regulate administrative law enforcement related to enterprises, with an emphasis on addressing common issues and enhancing the legal protection of private economic entities [2][3] Group 2: Financial Support and Innovation - The Financial Regulatory Bureau is enhancing financial services for technology and innovation sectors, including the establishment of 74 private equity investment funds to support tech enterprises [4] - By the end of Q1 2023, the loan balance for high-tech enterprises reached 17.7 trillion yuan, reflecting a 20% year-on-year increase [4] Group 3: Encouragement of Private Sector Participation - The law encourages private enterprises to participate in national major projects, particularly in strategic emerging industries, with a focus on investment and innovation [5][6] - Significant projects in nuclear power and railway sectors have already seen private capital participation, with some projects having up to 20% private investment [6] Group 4: Communication and Support Mechanisms - The All-China Federation of Industry and Commerce will facilitate the implementation of the law and improve communication between government and private enterprises [7] - The federation aims to enhance service levels for private enterprises, promoting a healthy and competitive business environment [7]

Core Viewpoint - The launch of the first batch of technology innovation bonds in China aims to support financing for high-tech enterprises and enhance the financing environment for private technology companies [1][2]. Group 1: Technology Innovation Bonds - On May 8, under the guidance of the People's Bank of China and the National Association of Financial Market Institutional Investors, the first batch of technology innovation bonds was announced, with China Everbright Bank as the lead underwriter [1]. - The announcement follows a joint release by the People's Bank of China and the China Securities Regulatory Commission regarding the support for issuing technology innovation bonds [1]. - The initial bond issuers include five technology companies and two local state-owned equity investment institutions, with three being private technology enterprises [1]. Group 2: Financial Services and Market Impact - The introduction of the "technology board" in the bond market is seen as a significant measure to direct funds to strategic sectors such as high-end manufacturing, artificial intelligence, and new energy [1]. - The initiative aims to optimize the financing environment for private technology innovation and stimulate the innovation capabilities of leading private technology enterprises [1]. - China Everbright Bank plans to enhance its "Sunshine Investment Bank" brand, focusing on innovative empowerment to help technology enterprises broaden financing channels and reduce costs [2].

夏耘·档案绿荫庇银龄 中国工商银行无锡前洲支行始终秉承"客户为尊，服务如意"的理念，着眼老年客户金融服务需求，在操 作上做"减法"，服务上做"加法"，让有温度的金融服务走进更多老年客户心里。这里没有炫目的科技， 却有一双双温暖的手；没有复杂的流程，却有一句句耐心的解答。走进这里，仿佛推开了一扇通 往"家"的门，员工们用年轮般的守护圈住时光褶皱，让金融服务镌刻着四季如春的承诺。 春耕·服务细雨润桑榆 在工行无锡前洲支行的尊老服务区，网点用慢三拍的服务深耕银龄沃土，以春泥护花的躬身之姿，静守 岁月安然。柜面增设"爱心柜口"，服务人员主动放缓语速、拆分讲解步骤；智能设备配备"长辈关怀模 式"，字体放大至三倍，操作流程简化至三步。看似效率降速的背后，是服务颗粒度的全面升级：当老 年客户落座"防滑扶手爱心专座"时，流动服务推车已载着老花镜、温水杯、急救药箱、老年书报和常用 业务指南贴心而至；在等候间隙，智能血压仪实时监测健康数据，拐杖收纳夹让随行辅具不再无处安 放；而养生、时政、文史类期刊则搭建起文化养老新场景。 针对老年客群，网点打造了"无障'爱'沟通链"：手语专员与无障碍交流板构建可视化服务窗口，方言服 务队透过" ...