将投中网设为"星标⭐"，第一时间收获最新推送 Chime或许创造了今年迄今为止资本市场最大的流血上市。 作者丨 蒲凡 来源丨 投中网 今年美股市场最具影响力的 IPO ，来了。 当地时间6月12日，美国最大的数字银行Chime正式登陆纳斯达克。Chime本次IPO的发行价为27美元，总募资规模为8.32亿美 元，目标估值116亿美元（约人民币832亿元）。IPO首日，Chime股收盘于37.11美元，大涨37%，市值也攀升至135亿美元 （约人民币969亿元）——这个数字足够Chime成为今年迄今为止的第二大IPO，仅次于3月份230亿美元估值、募资15亿美 元、背后有英伟达撑腰的云计算公司CoreWeave。 除了规模大， Chime 上市的时机也 " 妙不可言 " 。自 4 月 " 关税战 " 打响以来，为了规避潜在的影响，许多备受期待的 独角兽公司都相继宣布暂缓或者取消了 IPO 计划，打断了人们对于 "IPO 市场复苏 " 的预期。例如瑞典金融科技公司 Klarna 、美国票务平台 Stubhub ，这两家公司一个估值 146 亿美元，另一个估值 165 亿美元，他们上市的传闻从 2023 年开始就备 ...

将投中网设为"星标⭐"，第一时间收获最新推送 作者丨 蒲凡 来源丨 投中网 今年美股市场最具影响力的 IPO ，来了。 " 挣钱存钱，天经地义？ " 当地时间6月12日，美国最大的数字银行Chime正式登陆纳斯达克。Chime本次IPO的发行价为27美元，总募资规模为8.32亿美 元，目标估值116亿美元（约人民币832亿元）。IPO首日，Chime股收盘于37.11美元，大涨37%，市值也攀升至135亿美元 （约人民币969亿元）——这个数字足够Chime成为今年迄今为止的第二大IPO，仅次于3月份230亿美元估值、募资15亿美 元、背后有英伟达撑腰的云计算公司CoreWeave。 除了规模大， Chime 上市的时机也 " 妙不可言 " 。自 4 月 " 关税战 " 打响以来，为了规避潜在的影响，许多备受期待的 独角兽公司都相继宣布暂缓或者取消了 IPO 计划，打断了人们对于 "IPO 市场复苏 " 的预期。例如瑞典金融科技公司 Klarna 、美国票务平台 Stubhub ，这两家公司一个估值 146 亿美元，另一个估值 165 亿美元，他们上市的传闻从 2023 年开始就备受关注，都被认为是能够打破 ...

Core Insights - Suzhou Guofa Financing Guarantee Co., Ltd. has been recognized as the "2024 High-Quality Development Financing Guarantee Institution" in Jiangsu Province, marking a significant achievement in its first evaluation [1] - The company has also been awarded the "Top 30 Financing Guarantee Institutions of Jiangsu Province for 2024" by the Provincial Credit Guarantee Association, highlighting its successful transition to a government financing guarantee institution [1] Group 1 - The company has provided over 15 billion yuan in financing guarantees in the past year, representing a year-on-year increase of 56%, with guarantees for single loans below 10 million yuan exceeding 14.5 billion yuan, up 72% year-on-year [1] - The financing guarantee institution plays a crucial role in injecting financial resources into the real economy, enhancing the financing guarantee system in Suzhou and promoting the sustainable development of inclusive finance [1][2] Group 2 - The company emphasizes cost reduction and benefits for small and micro enterprises, with 97% of financing amounts being below 10 million yuan and 90% below 5 million yuan, while also offering fee waivers for certain products [2] - The average financing guarantee fee rate is strictly controlled at below 1%, and the company has reduced fees by 14.45 million yuan for other charged products [2] Group 3 - The company has launched the "Technology Innovation Guarantee Plan," which has registered 1.3 billion yuan in five months, leading the province in this category, and has provided 4.2 billion yuan in new technology innovation guarantees, with a year-on-year growth of 27% [2][3] - The company has taken on the responsibility of leading government financing guarantees, ranking third in new responsibility amounts among municipal government financing guarantee companies in Jiangsu Province [3]

Core Viewpoint - The company emphasizes the importance of building a credit system to support rural revitalization and promote inclusive finance, focusing on enhancing financial services for the real economy [1]. Group 1: Credit System Construction - Since 2022, the company has developed targeted credit products like "Grain Farmer Loan" and "Crab Farmer Connection" to support food security and key rural industries [2]. - In 2024, the company plans to enhance the coverage and adaptability of rural inclusive finance by collaborating with local government agencies to build an industry credit system based on credit information from upstream and downstream enterprises [2]. Group 2: Innovation in Financial Products - The company has created over ten multi-dimensional credit scoring models for agricultural entities, facilitating precise credit assessments based on various operational and credit conditions [3]. - New financial products such as "Xingnong E-loan" and "Xingnong Industry Loan" have been introduced to address the needs of modern agricultural operators and ensure financial support for farmers [3]. Group 3: Policy Support for Agriculture - The company employs various monetary policy tools to increase and reduce the cost of inclusive loans for agriculture, addressing the uncertainties in the agricultural sector [4]. - Collaborative efforts with local governments and insurance companies have led to risk-sharing mechanisms that significantly lower financing costs for agricultural entities [4]. - The company is committed to long-term efforts in building a robust credit system to contribute to rural revitalization and agricultural modernization [4].

围绕"工、商、农、科"四大客群,工行德州分行构建起"数字普惠+供应链金融+乡村振兴"的三维服务体 系。在数字普惠领域,依托e抵快贷、e企快贷等产品,今年新增抵押类贷款4亿元,其中首笔500万元"e扩快 贷"成功落地,为轻资产企业开辟融资新渠道。经营快贷通过开放获客功能,实现全线上化审批,客户从申 请到放款平均时效压缩至2.3小时,新增信用贷款3.44亿元。服务乡村振兴方面,该行创新推出"种植e 贷""养殖e贷"等特色产品,截至5月末涉农贷款余额突破200亿元,其中普惠型涉农贷款增速达16.45%,高于 全行涉农贷款增速4.4个百分点。通过"政府增信+农担合作"模式,为432户新型农业经营主体提供融资支 持,某草莓种植大户获得300万元贷款后,种植规模扩大3倍,带动就业120余人。 机制创新 深化服务覆盖 日前,中国人民银行德州市分行公布2025年一季度小微企业信贷政策导向效果评估结果,工行德州分行凭 借优异的业绩和多维创新实践,获评"优秀",这也是当地唯一获此殊荣的国有商业银行。荣誉的取得,标志 着该行在普惠金融领域的深耕细作取得阶段性成果,其"党建铸魂、内控筑基、创新赋能"的三维发展模 式,为金融服务实体经 ...

徐刚博士，这位数字资本集团（DCG）的创始人兼董事局主席，在长期研究和实践中认为稳定币和现 实世界资产（RWA）代币化正通过区块链技术革新全球金融体系，不仅提升效率，还推动社会公平与 经济包容。他结合技术特性、经济影响及社会价值，分析其变革潜力。 一、降低金融门槛，推进普惠金融 1. 跨境贸易效率革命稳定币规避汇率波动，缩短企业回款周期。例如，京东计划发行港元稳定币优化大 湾区汇兑；Stripe通过收购Bridge实现101个国家稳定币支付覆盖，打通传统与加密金融。 1. 资产碎片化与投资民主化RWA代币化将高价值资产（如房地产、黄金、艺术品）分割为小额代币， 降低投资门槛。例如，DCG打造的澳大利亚数字资产交易所AUDX，通过资产上链等技术手段将价值 1000万美元的房产可拆分为1000万个1美元代币，普通投资者以100美元即可参与。2025年，商品代币化 市场预计达45亿美元。 社会意义：缩小财富差距，为中低收入群体提供资产增值机会。 2. 稳定币的金融包容性 在银行服务不足的新兴市场（如非洲、拉美），稳定币对抗通胀并支持小额信贷，跨境支付成本仅为 SWIFT系统的0.1%，结算时间从3-5天缩短至分钟级 ...

题图｜视觉中国 "从2019年开始创业至今，店里的启动资金、装修资金、食材采购、房租支付，需要周转的时候都离不开滴滴数科。因为放款很快，减轻了生 意资金周转的压力。" 90后火锅串串店创业者苗先生说。他在2023年加入了滴滴数科的"滴灌计划"，申请当天就收到了贷款，及时缓解了资金 压力，让火锅店正常运转起来。 苗先生是全国千千万万个小微企业经营者的一个缩影，不大的生意是全家的生活支柱，但经常遇到资金周转困难，难以及时融资缓解。 为持续优化小微企业金融生态，国家陆续出台《关于强化金融支持民营经济发展的意见》《金融服务民营企业28条措施》等政策，推动首贷户 拓展、信用贷款提占比、风控机制再优化。在此引导下，传统银行、持牌机构不断加码，越来越多具备生态、数字能力的平台加入普惠金融供 给侧，形成多元主体共建的服务生态。 众多金融机构，通过融合技术和产品创新，不断提升中小微企业融资的可得性与便捷性。在互联网企业中，像滴滴数科的"滴灌计划"也在积极 加入，探索破解小微融资难题的方式。 "滴灌计划"是滴滴数科助力小微企业发展的长期专项行动。2023年起，在中国中小企业协会、重庆市小额贷款公司协会的指导下，滴滴数科与 重庆市 ...

Core Viewpoint - Qilu Bank Binzhou Branch has achieved significant growth and development over the past eight years, focusing on serving local residents, small and medium-sized enterprises, and contributing to the local economy [1][2][3]. Group 1: Financial Performance - As of the first quarter of this year, the bank's deposit scale reached 11 billion, and loan scale reached 14.1 billion, with both deposit and loan growth rates ranking among the top in the city [1]. - Cumulatively, the bank has issued various loans totaling 86.2 billion, serving over 840 corporate clients and 120,000 individual clients [1]. - The bank's green loan balance is 1.3 billion, reflecting a 42% increase since the beginning of the year [4]. Group 2: Innovation and Services - The bank has developed innovative credit products and financial services to support the real economy, with a focus on "specialized, refined, distinctive, and innovative" enterprises [3]. - The bank's technology-enabled loans for specialized enterprises have exceeded 2.1 billion, providing services to 154 technology companies [3]. - The bank has launched various inclusive financial products, including "Grain Loan" and "Kitchenware Loan," to support rural revitalization [6]. Group 3: Social Responsibility and Community Engagement - The bank has actively participated in public welfare initiatives, including the issuance of social security cards and the launch of the "Social Security Convenience Loan" product [7]. - It has established partnerships with local government departments to enhance communication and improve service efficiency for enterprises [6]. - The bank has conducted various community activities, such as financial literacy programs and support for underprivileged families, enhancing its reputation as a "citizen bank" [7]. Group 4: Future Outlook - The bank aims to continue its commitment to financial service and local economic development, focusing on providing precise, efficient, and high-quality financial services [8].

Core Viewpoint - Agricultural Bank of China (ABC) is enhancing its financial services for small and micro enterprises in Luoyang through innovative financing solutions and digital tools, effectively addressing the challenges of access to finance and improving operational efficiency [1][2][4]. Group 1: Financial Services Innovation - ABC Luoyang branch injected 8 million yuan into a local equipment company, significantly improving its cash flow and production capabilities within 2 minutes of transaction [1]. - The bank has established a small micro financing coordination mechanism, which has cumulatively granted 13.42 billion yuan in credit, benefiting 22,800 small and micro enterprises [2]. Group 2: Digital Transformation - ABC has developed a comprehensive online product matrix for small and micro enterprises, including various loan products that can be accessed with minimal effort [3]. - The average loan processing time has been reduced by 20% due to the implementation of digital tools, allowing for a more efficient and streamlined experience for clients [3]. Group 3: Supply Chain Financing - The bank focuses on supply chain financing to enhance the efficiency of accounts receivable financing for small and micro enterprises, addressing the issues of high financing costs and accessibility [3]. - The unique "cloud chain factoring" model allows for the transformation of scattered and hard-to-confirm accounts receivable into efficient financing instruments, significantly improving the financing experience [3][4].

近年来，南方基金深入贯彻落实中央金融工作会议精神，牢牢把握金融工作的政治性、人民性要求，以 服务实体经济为根本宗旨，在科技金融、绿色金融、普惠金融、养老金融和数字金融五大领域持续发 力，走出了一条特色化、专业化的高质量发展之路。 作为资本市场重要参与者，南方基金将科技金融作为服务现代化产业体系建设的核心抓手。持续加强对 战略新兴产业的研究和资产配置。持续修炼投研内核，更好挖掘真正具备优质增长潜力的科技型企业， 并且开发特色鲜明的科技主题类产品，大力发展科技类主题指数基金，积极引导长期资金投资科技型企 业。 近年来，公司聚焦半导体、人工智能、生物医药等战略性新兴产业，并发行多只科技主题基金。 响应国家政策，深刻把握金融工作的政治性、人民性，金融机构积极入市，加强权益配置，发挥"长期 资本""耐心资本"优势，增强资本市场稳定性，提振市场信心，引导市场向价值投资转变，形成良性循 环，成为活跃资本市场、助力资本市场健康有序、平稳发展的重要力量。 价值创造 公募基金在我国已经走过了27个年头。截至4月底，全国共有公募基金管理人163家，管理公募基金32.5 万亿元。 高质量发展 在绿色金融方面，南方基金积极践行ESG投 ...