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" ...

Core Points - The National People's Congress has passed the "Private Economy Promotion Law," effective from May 20, 2025, aimed at providing legal support for the high-quality development of the private economy [1] Group 1: Support for Private Enterprises - The law encourages private enterprises to participate in major national projects and strategic emerging industries, enhancing their role in technological innovation and modern industrial systems [2][3] - The National Development and Reform Commission (NDRC) is establishing a long-term mechanism for private enterprises to engage in significant project construction, with private capital already accounting for 20% in some nuclear power projects [2] - A total investment of approximately 3 trillion yuan is planned for key areas such as transportation, energy, and urban infrastructure this year [2] Group 2: Financial Support and Innovation - The Financial Regulatory Administration is improving financial service models for technology and innovation, with 74 private equity funds established to support tech enterprises [4] - By the end of Q1 this year, loans to high-tech enterprises reached 17.7 trillion yuan, reflecting a 20% year-on-year increase [4] - Measures have been introduced to support small and micro private enterprises in foreign trade, with export credit insurance exceeding 240 billion USD in Q1 [5]

5月8日，债券市场"科技板"正式"开板"，由中信银行（601998）主承销的15单全国首批科技创新债券集 中公告发行，其中，中信银行发挥主导推动作用的牵头承销项目9单。中信银行表示，债券市场"科技 板"的推出，是金融服务科技创新的重大创举，将深刻重塑国内科技金融和资本市场体系。(证券时报) ...

Core Viewpoint - The Financial Regulatory Administration is enhancing support for private enterprises, particularly in high-tech and emerging industries, through targeted financial services and innovative financing mechanisms [1][2][3]. Group 1: Investment and Financing Support - The administration is promoting the integration of investment and financing by establishing 74 private equity investment funds and facilitating technology enterprise mergers and acquisitions loans in 18 pilot cities [1]. - As of the first quarter of this year, the loan balance for high-tech enterprises reached 17.7 trillion yuan, reflecting a year-on-year growth of 20% [1]. Group 2: Support for Small and Micro Enterprises - Specific measures have been introduced to support small and micro private enterprises in foreign trade and consumption, including a dedicated financing coordination mechanism for foreign trade [2]. - The administration has provided over 240 billion USD in export credit insurance in the first quarter, with significant increases in sectors like electronic information and modern chemicals [2]. Group 3: Credit and Insurance Innovations - The administration is optimizing credit supply policies for small and micro enterprises, offering preferential risk capital weights and increasing the tolerance for non-performing loans [3]. - New insurance products are being developed to address the needs of private enterprises, including those in high-tech fields and for flexible employment groups [4]. Group 4: Information Sharing and Risk Mitigation - A mechanism for coordinating financing for small enterprises has been established, resulting in the issuance of 12.6 trillion yuan in loans at an average interest rate of 3.66% [5]. - Government-backed financing guarantees for small enterprises have reached 1.88 trillion yuan, with a year-on-year growth of 11.5% [5].

Core Viewpoint - The Agricultural Bank of China (ABC) in Sanming has launched a comprehensive financial service plan for the Shaxian snack industry, aiming to enhance the entire industrial chain from agricultural production to food processing and restaurant services [1][3]. Group 1: Financial Support and Products - ABC Sanming provides significant credit support to core ingredient planting and breeding enterprises, alleviating seasonal cash flow pressures in agricultural production [3]. - The bank promotes inclusive financial products like "Zhihua Loan" for food processing and standardized production enterprises, enhancing production efficiency and scale [3]. - Directly targeting small business owners, ABC Sanming offers tailored financial tools such as "Huinong e-loan" and "Fumin Loan" to meet their short-term funding needs [3]. Group 2: Cultural and Economic Impact - The story of Hou Xiaosong, a third-generation inheritor of Shaxian snack techniques, exemplifies how ABC's financial support has enabled local businesses to upgrade and thrive, with his annual net profit exceeding 300,000 yuan [2]. - ABC Sanming's efforts reflect a commitment to nurturing the entire Shaxian snack industry, contributing to local economic development and cultural heritage preservation [2][3]. - As of March this year, ABC Sanming has supported over 4,100 clients in the snack industry with nearly 940 million yuan in credit, significantly bolstering the prosperity and development of this vital local industry [3].

Core Viewpoint - The National Financial Supervision Administration has issued a notice outlining the goals for financial services to small and micro enterprises by 2025, focusing on maintaining loan volume, improving quality, stabilizing prices, and optimizing structure [1] Group 1: Loan Volume - The goal is to ensure that the growth rate of inclusive small and micro enterprise loans is not lower than the overall loan growth rate [2] - As of the end of Q4 2024, the balance of RMB inclusive small and micro loans reached 32.93 trillion yuan, a year-on-year increase of 14.6%, outpacing overall loan growth by 7 percentage points [2] - By the end of Q1 this year, the balance of inclusive small and micro enterprise loans was 35.3 trillion yuan, with a year-on-year growth of 12.5% [2] Group 2: Loan Quality - The notice emphasizes the need for improved risk management and monitoring of small and micro enterprise loans [4] - Some banks have reported an increase in the non-performing loan (NPL) ratio for small and micro enterprise loans, with China Communications Bank reporting an NPL ratio of 0.98%, up 0.28 percentage points from the previous year [4] - Postal Savings Bank reported a small enterprise loan NPL ratio of 1.38%, an increase of 0.33 percentage points year-on-year [4] Group 3: Price Stability - The notice requires banks to manage loan pricing effectively, ensuring that the average interest rates for inclusive small and micro enterprise loans are reasonable [6] - For instance, China Communications Bank reported an average interest rate of 3.23% for inclusive small and micro enterprise loans, a decrease of 20 basis points year-on-year [7] - The average interest rate for new inclusive small and micro enterprise loans across the country was 4.03% in the first two months of 2025, down 0.33 percentage points from 2024 [7] Group 4: Structural Optimization - The notice calls for banks to enhance their focus on first-time borrowers and improve the renewal process for loans [8] - As of the end of Q1, the balance of renewed loans reached 7.4 trillion yuan, reflecting a year-on-year growth of 35.7% [9] - The government work report emphasizes the implementation of a no-principal renewal policy to help maintain cash flow for enterprises [9]