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].

今年以来，在国家金融监督管理总局烟台监管分局的精确指导下，烟台农商银行扎实推进金融"五篇大文章"，立足"支农支小"定位，深耕普惠金融领 域。截至11月末，全行普惠型小微企业贷款余额121.41亿元，较年初增加19.75亿元，增速19.43%。 化繁为简，服务效率不断提升。烟台农商银行扎实推进"融资畅通工程"，进一步精简办贷资料，让小微企业告别"资料堆砌"。实行限时办贷机制，明确 办理时限，严格系统管控，融资效率大大提升。 编者按 金融是城市血脉，更是民生支撑。近日，金融赋能——烟台银行业助力经济高质量发展融媒报道上线，报道聚焦烟台银行业的产业赋能、民生服务， 探寻金融活水如何滋养港城、惠及市民；紧扣五篇大文章，挖掘银行业助力经济高质量发展的路径。本期报道让我们一起走进烟台农商银行。 精确定制，信贷产品更具个性化。对深受广大市民欢迎的拳头产品"港城优享贷"，烟台农商银行开展了阶段性利率优惠，让利于民。同时，创新推 出"农商科技贷""农商双创贷""信保贷"等多款特色产品，并引入信保基金等为企业提供担保，为不同类型企业打造"一企一策"的融资模式，更加顺应普 惠金融需求。 聚焦重点，普惠客户覆盖面不断扩大。烟台农商银 ...

Group 1 - China Shenhua plans to issue A-shares and pay cash to acquire assets from its controlling shareholder, China Energy Group, and its wholly-owned subsidiary, West Energy, for a total transaction price of 133.598 billion yuan, with 30% paid in shares and 70% in cash [1][4] - Qingdao Port intends to invest approximately 15.7 billion yuan in two terminal projects [4] - Jifeng Co., Ltd. has been awarded a total assembly project for passenger car seats, with an estimated total lifecycle value of 9.8 billion yuan [4] Group 2 - Shengxin Lithium Energy's partner, Zhongxin Aviation, plans to purchase 200,000 tons of lithium salt products from the company between 2026 and 2030 [4] - Chlor-alkali Chemical's subsidiary plans to invest 2.975 billion yuan in an advanced materials supporting waste salt comprehensive utilization project [4] - Tianqi Lithium's third-phase chemical-grade lithium concentrate expansion project has been completed and is now in trial operation [4] Group 3 - Oriental Cable has recently won projects totaling approximately 3.125 billion yuan [4] - Jiangshan Luneng has signed a series of contracts totaling approximately 815 million yuan [4] - Huahai Wenkang has produced over 800 CMP equipment units [4] Group 4 - Sichuan Chengyu's subsidiary plans to acquire 85% of Jingyi Company for 2.409 billion yuan [4] - Qi Yi Er intends to acquire 60% of Fangzhou Technology through acquisition and capital increase [4] - Tianchuang Fashion is planning a change of control, resulting in a stock suspension [4]

Core Viewpoint - Zijin Bank focuses on optimizing its credit structure by aligning loan issuance with the financial "five major articles," emphasizing support for small and micro enterprises and enhancing service quality for the real economy [1] Group 1: Loan Strategy - The company is concentrating its loan issuance on key areas such as technology finance, green finance, inclusive finance, pension finance, and digital finance [1] - Zijin Bank aims to continuously improve its support for inclusive small and micro customers, reinforcing its commitment to the real economy [1] Group 2: Service Quality - The bank is dedicated to providing high-quality financial services that contribute to local economic and social development [1]

技术价值的终极试金石在于商业成果的量化兑现。马上消金通过"AI+场景"的深度融合，将技术势能精 准转化为降本增效的动能。在营销端，基于用户行为序列的深度分析，使得精准营销转化率提升超过 40%，有效对冲了流量成本高企的行业困境；在运营与贷后环节，AI机器人已能处理80%的标准化任 务，释放出的人力专注于复杂、高价值的客户服务与风险处置，人效提升显著。更为关键的是，AI重 塑了信用评估的边界。针对传统征信的"白户"群体，"天镜"模型整合多元替代数据（如数字足迹、消费 【文/羽扇观金工作室】 2025年，消费金融行业在强监管与市场出清中步入深度分化期。告别野蛮生长的"规模竞赛"，持牌机构 的核心命题转向如何实现可持续的"价值创造"。 在此背景下，马上消费金融股份有限公司（下称"马上消金"）以其清晰的科技主线、深化的普惠实践与 稳健的财务表现，勾勒出一条头部机构的差异化突围路径。 从发布驱动认知革命的"天镜"大模型3.0，到公司章程修订获监管核准，这家植根重庆的消费金融公 司，正通过技术、业务与治理的协同共振，构建穿越周期的韧性。 从效率工具到认知核心，构建智能驱动飞轮 在消费金融竞争下半场，技术已从后台支撑角色跃 ...

值得一提的是，中华人寿将ESG理念融入投资决策，充分发挥保险资金长期性、稳定性优势，2024 年投资1亿元参与清洁能源股权投资计划，带动产业链上下游协同发展；出资1亿元参与济南超算中心绿 色基础设施债权投资计划，助力项目安装屋顶光伏(总装机容量2.5MW)，每年可节约标煤8000吨、减少 二氧化碳排放2.16万吨、二氧化硫排放80吨、氮氧化物排放63吨；还分别出资4亿元、4.5亿元投资光电 基础设施债权计划、持有黄河水东调基础设施债权，为绿色基础设施建设提供强有力的资金支持。 中央金融工作会议明确的金融"五篇大文章"与《银行业保险业普惠金融高质量发展实施方案》，共 同勾勒出保险行业"服务民生、赋能实体"的发展蓝图。 得益于上述表现，中华人寿近日获得"2025保险业普惠金融实践方舟奖"与"社会责任先锋保险公 司"两项荣誉。 作为国有控股保险企业，中华人寿始终将普惠金融理念融入业务核心。自成立以来累计为超6000万 人次提供保险保障、财富管理等服务，累计提供风险保障近10万亿元。 聚焦"三农"发展需求，公司出资5000余万元投资新疆首单农村产业融合发展专项债券，专项支持当 地农业农村产业融合、生态种植养殖建设，以 ...

12月19日，中国农业银行广东省分行普惠金融创新服务中心在茂名正式揭牌成立。活动现场，农行广东 省分行发布《中国农业银行广东省分行助力茂名普惠金融改革十条措施》，通过创建一体化普惠金融作 业模式、重构全覆盖乡村振兴服务体系，围绕特色农业产业、现代化产业体系建设、城乡区域协调发展 等重点领域加大金融力量支持，并在政策倾斜、产品创新、科技赋能、政策宣导等方面进一步加大保 障，全力支持茂名市深化普惠金融改革。 采写：南都湾财社记者 刘兰兰 茂名市财政局党组书记、局长黎凯晟指出，茂名作为广东省唯一代表，跻身全国新一批五个深化普惠金 融改革试点地市，高质量发展潜能大、金融赋能需求实。希望以农行广东省分行普惠金融创新服务中心 为纽带，让金融活水精准浇灌千企万户、普惠润泽油城沃土，结出高质量发展新的丰硕成果。 农行广东省分行党委副书记、副行长周易表示，茂名产业基础扎实、发展前景广阔，今年9月更是迎来 了入选国家级普惠金融改革试点城市的重大机遇。农行将以服务中心揭牌成立为契机，紧跟茂名发展规 划和政策导向，聚焦茂名深化普惠金融改革九大任务，结合茂名市场主体和客群需求特点，落实落 细"十条措施"，深入服务特色产业、五链共建工程 ...

Core Insights - Shenzhen has become the leading city in China for "specialized, refined, distinctive, and innovative" small giant enterprises, with a total of 1,333 such companies as of December, according to the Ministry of Industry and Information Technology [1] - The "Park Loan" initiative has been introduced to provide financial support to small and micro enterprises, addressing the financing challenges they face [1][7] - Agricultural Bank of China Shenzhen Branch has reported significant achievements in its inclusive finance business, with a total of over 112 billion yuan in inclusive loans by the end of November 2025, serving more than 47,000 small and micro enterprises [1] Group 1: Park Loan Initiative - The "Park Loan" is characterized by high limits, low interest rates, and no collateral, relying on a collaborative mechanism among government, banks, and parks to ensure precise financial resource allocation [2][7] - The initiative has evolved into "Park Loan 2.0," expanding its pilot program to include 27 banks and 60 industrial parks, with total credit exceeding 28.6 billion yuan [3] - The program aims to provide customized, high-quality industrial spaces for specialized small and medium enterprises, with financial support scaling up accordingly [3] Group 2: Financial Support and Innovation - The Agricultural Bank of China Shenzhen Branch has tailored financial products like "Park e-loan" and "Industry Chain Loan" to meet the specific needs of enterprises in various parks [9] - The bank has implemented a proactive service model, conducting regular visits to enterprises to understand their needs and reduce information barriers [10][11] - The "Park Loan 2.0" model emphasizes a shift from standardized products to comprehensive, scenario-based services, enhancing the financial ecosystem for enterprises [9][11] Group 3: Success Stories and Impact - The bank has successfully provided loans to various enterprises, such as a smart kitchen appliance company, which alleviated cash flow issues and accelerated R&D and order fulfillment [8] - Specific case studies highlight the effectiveness of the "Park Loan" model in addressing the financing needs of companies lacking collateral, demonstrating its role in supporting business growth [4][11] - The ongoing efforts to replicate successful service experiences across more parks indicate a commitment to fostering a robust ecosystem for small and micro enterprises in Shenzhen [11]

（原标题：领航金融未来 擘画时代新篇） 中国金融业正站在历史交汇的时间点。 案例征集 树立行业标杆 为系统总结2025年金融业的创新成果与实践经验，发掘在复杂环境下仍能保持战略定力、实现高质量发 展的金融机构典范，本次领航企业案例开启广泛征集，并秉持严谨标准与多元视角，展开全流程、多方 位评估，寄望于在促进行业交流与共同进步的同时，集众家所长，以点滴实践的微光，为"十五五" 金 融强国建设之路增光添彩。 前瞻展望 以金融高质量发展服务中国式现代化 领航金融机构仍然追求卓越。2025年，面对国际贸易竞争加剧、国内息差持续收窄等复杂经营压力，领 航金融机构拓宽服务半径，增强差异化竞争能力，在有限的空间中展现出无限的发展潜力。 在技术创新层面，以人工智能、大数据模型等为典型代表的金融数字化应用不断深化，为金融机构降低 运营成本、提升了服务质效打下了坚固的技术底座。丰富的金融功能无缝嵌入生产和生活场景，金融服 务线上线下全渠道协同更加流畅自如。 在服务国家战略方面，金融机构聚焦乡村振兴、区域协调发展等重大部署，农村数字普惠金融、产业扶 持贷款、基础设施建设融资等创新实践持续落地，因地制宜开发特色产品，一企一策优化服务 ...

中共安徽省委关于制定国民经济和社会发展第十五个五年规划的建议发布，其中提出，健全现代地方财 税金融管理体制。推进财政科学管理试点，加强财政资源和预算统筹，持续深化零基预算改革。完善国 有资本经营预算和绩效评价制度。加强财会监督。健全政府债务管理制度，加强专项债券"借用管还"全 生命周期管理。全面落实税收法定原则，规范税收优惠政策，完善对重点领域和关键环节支持机制。扎 实推进金融体制改革，发挥全国融资信用服务平台作用，积极发展科技金融、绿色金融、普惠金融、养 老金融、数字金融。壮大多层次资本市场安徽板块，推动企业上市"迎客松行动"计划和"科创100"上市 专项行动扩围提质。全面加强金融监管，促进各类金融机构专注主业、完善治理、错位发展，丰富风险 处置资源和手段，构建风险防范化解体系，保障金融稳健运行。 ...