□ 屈云峰 服务效能持续升级，提升群众体验质感。以提升服务效能为核心在乡镇、行政村布局168个普惠金融服 务点，整合"助农取款、社保缴费、村务政务、金融知识宣传"四大基础功能，今年以来累计办理助农取 款17万笔，换发社保卡245张，服务"苏服办"事项2380人次，大幅节省群众办事时间。同时，与国土部 门合作开发不动产抵押登记系统，实现抵押贷款登记"一站式"办理，让市民无需多头跑，办理效率显著 提升，以优质服务让群众感受到金融温度。 该行相关负责人表示，泰兴农商银行将继续坚守本土银行使命，聚焦地方发展需求，持续深化金融创 新、优化服务供给，为地方经济高质量发展和民生福祉提升提供更加强劲的金融支撑。 深耕乡村振兴沃土，激活乡村发展动能。通过"大数据+网格化+铁脚板"工作模式，实现全市行政村"整 村授信"全覆盖，让金融服务下沉至"最后一公里"。依托"农保泰e贷""苏农担"等特色涉农产品，加大对 新型农业经营主体及特色农业产业的支持力度，截至9月末，涉农及小微企业贷款余额339.74亿元，较 年初增加33.32亿元，占比高达90.77%。此外，联合4家本地龙头农业企业开展8场"泰惠生活助农惠 民"系列活动，配套优惠权 ...

Core Viewpoint - The 20th Central Committee's Fourth Plenary Session emphasizes the need for a modern financial system and high-quality development of the capital market, positioning public funds as key players in connecting the real economy and household wealth management [1][2]. Group 1: Financial Industry Development - The session outlines a strategic framework for accelerating the construction of a financial powerhouse, assigning new missions and directions for the high-quality development of the capital market [1]. - Public funds are recognized as crucial institutional investors that directly impact the effectiveness of financial power construction and the advancement of Chinese-style modernization [1]. Group 2: Investment Strategy - Public funds are encouraged to act as "patient capital," focusing on long-term investments and value creation to support technological innovation and new productive forces [2][3]. - The investment research system will adapt to the characteristics of new productive forces, emphasizing long-term growth factors such as technological barriers and R&D investment [3]. Group 3: Product Supply and Innovation - The company aims to enhance product offerings and guide social capital into key areas, particularly through the issuance of ETFs focused on technology innovation and digital economy [3][4]. - A focus on creating personalized and diversified pension financial products is highlighted, with the total scale of pension funds managed by the company exceeding 440 billion [5]. Group 4: Compliance and Risk Management - The importance of compliance and risk prevention is underscored, with the company advocating for a culture of compliance and integrity in business operations [6][7]. - A dynamic risk management mechanism will be explored to identify and respond to potential risks in new business and complex products, ensuring alignment with the company's strategic goals [7].

新华财经上海12月21日电 （谷青竹） 信用是市场经济的"通行证"。东海之滨的台州，浪潮拍岸三千 年，既淘洗出"海上丝绸之路"的商贸遗韵，也孕育出"一诺重千金"的诚信基因。作为"温台模式"的核心 发源地，从阡陌间的纺车叮当到车间里的智能机械、从集市上的沿街叫卖到资本市场"台州板块"的78家 上市公司集群，民营经济在这片土地上始终以信用为锚劈波斩浪，成为这座城市穿越经济周期、发展生 生不息的活力密码。 民间"信"脉：草根创业的精神火种 浙南沿海的季风，总带着敢闯敢试的气息。上世纪七十年代末，当中国市场经济的嫩芽尚在土壤中萌 动，台州的街巷已响起"无街不市，无巷不贩，无户不商"的热闹声响——1979年，台州市温岭县工商局 核发了全国首张个体工商业营业执照；1982年，温岭牧屿镇诞生了全国第一家股份合作制企业。 台州的情况尤为典型：全市99%以上的企业为中小微企业，经济活力根植于这片"小微土壤"。这场危机 让台州清醒认识到：仅靠脆弱的民间信用，已难以支撑民营经济行稳致远；唯有将人格化信用升级为系 统化、可复制、可监管的制度信用，才能筑牢高质量发展的根基。这场从"人信"到"制信"的迭代，自此 成为台州经济转型升级的关 ...

Group 1 - The Inclusive Finance Prosperity Index reached 49.36 points in November 2025, a slight decrease of 0.03 points from October, but 0.51 points higher than the same period last year [1] - The financing sector shows a stable decline in costs, with the average interest rate for newly issued loans around 3.1%, approximately 30 basis points lower than the same period last year [1] - The operational sector's prosperity index was 48.28 points in November, down 0.07 points from October, indicating a slight easing of downward pressure on small and micro enterprises [1] Group 2 - In November, the operational prosperity index for nine major industries showed a trend of 4 rising and 5 declining, with a notable boost in retail demand driven by seasonal consumption [2] - The construction and real estate sectors experienced a slight increase in their prosperity indices due to accelerated project construction and policy support [2] - The Inclusive Finance Prosperity Index is jointly launched by several financial institutions and is operated by the Xinhua Index Research Institute [2]

由北京市通州区人民政府指导，《财经》杂志、财经网、《财经智库》主办的"《财经》年会2026：预 测与战略·年度对话暨2025全球财富管理论坛"于12月18日至20日在北京举行，主题为"变局中的中国定 力"。 12月20日，在以"数智转型赋能财富管理新生态"为主题的圆桌论坛环节中，国家金融与发展实验室副主 任杨涛表示，在新阶段，财富管理有必增强普惠金融的重要价值定位，且需要建设协同发展的行业良性 生态。 国家金融与发展实验室副主任杨涛 杨涛表示，过去的财富管理更多集中于中高净值客户，现阶段财富管理工作应该更加聚焦于普惠层面， 为中低收入和长尾人群提供有效的财富管理手段。通过支持居民跟小微企业主、个体工商户的理财与财 富管理，能够有效体现金融工作的人民性。具体而言，在居民可支配收入中居民财产性收入近年来增长 乏力，激发财富管理的力量能够有效提高居民财产性收入，进而实现"增加消费、扩大内需"内循环体系 的良性自洽。 除普惠性之外，杨涛还建议财富管理行业建立生态协同机制，从"单打独斗"向"合作共赢"转变。他认 为，这能够帮助行业满足客户的差异化需求，为其提供全生命周期和多元化服务。 杨涛还阐述了技术发展对财富管理行业 ...

为深入落实好金融"五篇大文章"，近日中国人民银行福建省分行、福建省委金融办牵头，联合福建省发 改委、财政厅等部门，制定印发了《福建省金融"五篇大文章"工作方案》，提出福建省进一步深入落实 科技金融、绿色金融、普惠金融、养老金融、数字金融工作的18条具体举措。 方案还提出，切实提升科技金融服务质效，完善拓展投贷联动模式，力争"见投即贷"和"见贷即投"；发 挥区域性股权市场作用，支持科技型企业股权融资交易。 （文章来源：新华社） 方案提出，加强对科技创新与战略性新兴产业金融支持，持续推进"科创兴闽 '银'领开篇"专项行动，深 入实施科技金融增量扩面降本、产品服务创新、专营机构建设三大工程，推动信贷规模稳中有增，力争 2025年到2027年科技相关产业贷款保持年均10%增速，制造业贷款占比较2024年进一步提升。 ...

Core Insights - Wealth management is identified as a primary breakthrough direction for inclusive finance in China, with current household property income being relatively low and concentrated in deposits and fixed income products, showing significant disparity compared to Western countries [1][4] - The core value of digital transformation is to break the limitations of the traditional "80/20 rule" in wealth management, enabling middle-class, low-income groups, and long-tail populations to access quality, low-cost financial services, thereby enhancing household property income and contributing to domestic demand and internal circulation [1][4] - The importance of "ecological synergy" in industry ecosystem construction is emphasized, as many participants in the wealth management sector operate in isolation, failing to create a diversified service system for the entire customer lifecycle [1][4] Technology Empowerment - The core role of digitalization is highlighted as "cost reduction and efficiency enhancement" and "precise matching," where the application of AI and big data can significantly lower service costs and expand service reach while addressing information asymmetry [2][5] - Technology is seen as a means to promote precise matching of supply and demand in wealth management, shifting from a one-sided innovation model to a system where "suitable products are matched to suitable customers in suitable ways," thereby enhancing customer patience and improving industry sustainability [2][5]

Core Viewpoint - The People's Bank of China Fujian Branch and the Fujian Provincial Financial Office have jointly developed a comprehensive work plan to implement the "Five Major Financial Articles" focusing on technology finance, green finance, inclusive finance, pension finance, and digital finance in Fujian Province, with specific measures outlined to enhance financial support across various sectors [1][16]. Group 1: Technology and Strategic Emerging Industries - The plan emphasizes the need to continuously promote the "Innovation in Fujian" initiative, aiming to increase credit scale while enhancing the quality of financial services [1][20]. - Specific actions include the establishment of specialized institutions, innovation in financial products, and the promotion of technology-related loans, targeting an annual growth rate of 10% for technology-related industry loans from 2025 to 2027 [5][20]. - The plan also aims to improve the knowledge property assessment and circulation system to activate the value of intellectual property as collateral [5][21]. Group 2: Green Finance - The initiative seeks to increase the supply of green and transition finance, with a focus on enhancing the proportion of green loans [2][22]. - Financial institutions are encouraged to innovate products related to environmental rights and to issue green financial bonds [2][22]. - The plan includes measures for improving environmental information disclosure and risk management, gradually reducing the carbon intensity of asset portfolios [8][23]. Group 3: Inclusive Finance - The work plan aims to enhance the inclusive financial system by utilizing monetary policy tools to support small and micro enterprises, particularly in rural areas [2][24]. - It emphasizes the importance of financial services for key employment groups and encourages banks to expand credit access for private enterprises [9][24]. - The plan also includes initiatives to improve financial services in the agricultural sector and support rural revitalization [10][25]. Group 4: Pension Finance - The plan outlines strategies to increase financial support for the elderly, including promoting the development of personal pension products and commercial insurance annuities [2][27]. - Financial institutions are encouraged to enhance their services in the elderly care sector and to provide tailored financial products for rural elderly populations [12][27]. Group 5: Digital Finance - The initiative calls for accelerating the digital transformation of financial institutions, enhancing digital infrastructure, and applying data-driven technologies to improve service quality [3][29]. - It aims to promote the use of digital currency and expects the transaction volume of digital RMB in Fujian to exceed 1 trillion yuan by the end of 2027 [3][29]. - The plan emphasizes the importance of data sharing and collaboration between government and financial institutions to better match financial supply with demand [3][29]. Group 6: Implementation and Support - The plan highlights the need for a coordinated local financial mechanism to ensure the effective implementation of the "Five Major Financial Articles" [3][30]. - It includes measures for policy support, risk management, and performance evaluation to enhance the effectiveness of financial institutions in executing the outlined strategies [3][30][31].

第一，进一步完善顶层制度设计。科技金融方面，构建同科技创新相适应的科技金融体制，加强对 国家重大科技任务和科技型中小企业的金融支持，完善长期资本投早、投小、投长期、投硬科技的支持 政策。绿色金融方面，发展绿色金融市场和碳市场，强化以信息披露为基础的市场约束机制，统筹对绿 色发展和低碳转型的支持。普惠金融方面，完善融资支持政策，加快建立对民营和中小微企业敢贷愿贷 能贷会贷长效机制，全面加强民营小微、乡村振兴、民生就业等领域金融服务。养老金融方面，加力服 务多层次、多支柱养老保险体系发展，强化银发经济融资支持。数字金融方面，加强金融机构数字化转 型和数字经济金融服务，完善数字金融治理。 第二，强化对金融机构的正向激励。科学设计、精准实施再贷款等结构性货币政策工具，研究建立 金融"五篇大文章"综合考核评价制度，加大专项金融债券发行，引导金融机构加大信贷资源投入和优化 信贷结构。加强金融政策与科技、产业、财政等政策协同，健全标准体系和信息共享、融资对接等支持 配套机制，优化金融"五篇大文章"领域贷款风险分担机制，发挥政府性融资担保体系增信分险作用。 新华社北京12月20日电 《中共中央关于制定国民经济和社会发展第十五 ...

Core Viewpoint - Tianjin Rural Commercial Bank is committed to enhancing financial services in key areas such as technology innovation, green industry, inclusive finance, and elderly economy during the 14th Five-Year Plan period, aiming to support high-quality economic development in Tianjin [1]. Group 1: Technology Finance - The bank has established four specialized branches to enhance services for technology enterprises, creating a comprehensive service system with 29 unique financial products including "Innovation Loans" and "Intellectual Property Loans" [1]. - A new "Loan + External Investment" model has been introduced to assist technology startups in overcoming financing challenges due to lack of collateral, with technology loan balances exceeding 35 billion yuan [1]. Group 2: Green Finance - The bank integrates green finance with agriculture modernization and new industrialization, developing various "green+" service models to provide comprehensive financial services for low-carbon transitions [2]. - Green loan balances have surpassed 22 billion yuan, with significant growth in support for green economic development [2]. Group 3: Inclusive Finance - The bank has established a financing coordination mechanism for small and micro enterprises, with inclusive loans exceeding 43 billion yuan, leading local institutions in agricultural support [3]. - Agricultural loan balances are nearly 35 billion yuan, with a cumulative increase of 40% over five years, and inclusive agricultural loans have increased by 67% in the same period [3]. Group 4: Elderly Finance - The bank aims to create an elderly-friendly banking environment, completing upgrades for 400 branches and establishing 11 specialized branches for elderly services [4]. - Services include social security card processing, wealth consulting, and health-related activities, effectively meeting the financial and non-financial needs of elderly clients [4]. Group 5: Digital Finance - The bank has optimized its digital financial ecosystem, launching standardized services like "Jixiang Property Pass" to enhance convenience for residents and property management [5]. - Innovative services such as "Jixiang Tax Pass" and "Jixiang Park Pass" have been introduced to streamline operations for small enterprises and improve management efficiency [5].