人民财讯12月19日电，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。 ...

运河之畔，高楼林立，绿色建筑与智能设施相映成趣；产业园区，创新涌动，科创企业与金融机构协同共生。当"十四五"规划圆满收官的号角吹响，北 京城市副中心这片承载着国家战略与首都厚望的热土，已然从一幅宏伟蓝图蜕变为高质量发展的生动实景。在这幅波澜壮阔的发展画卷中，中国邮政储 蓄银行北京分行（以下简称"邮储银行北京分行"）深耕"融入区域建设、服务实体发展、构建全新生态"三大主线，用金融活水滋养城市肌理，用创新实 践书写责任担当，从"战略迁徙"到"深度赋能"，在与北京城市副中心同频共振中，绘就了一幅金融赋能高质量发展的壮丽画卷。 以战略之姿扎根 筑牢城市发展"金融底座" "城市发展到哪里，金融服务就跟进到哪里。"这是邮储银行北京分行始终坚守的发展理念。2024年11月1日，北京邮储大厦正式启用，邮储银行北京分 行完成了向北京城市副中心运河商务区的战略迁徙，成为首家落户这片创新热土的国有大行首都分行。这一决策，既是对京津冀协同发展国家战略的主 动响应，更是对首都区域发展的坚定认同。 初入北京城市副中心，邮储银行北京分行便感受到了区域发展的"温度"与"效率"。运河商务区管委会推出的"一站式帮办服务"，从企业注册登记、办公 ...

Group 1 - Huaxia Bank Yiwu Branch supports small and micro enterprises in Yiwu, Zhejiang Province through digital transformation and innovative financial products [1] - The branch has eliminated reliance on traditional collateral by promoting credit loan models, enhancing inclusive finance [1] - A customized financial product called "Market Loan" has been launched, allowing for online application, approval, and disbursement, with over 500 million yuan disbursed to date [1] Group 2 - In the foreign trade financial services sector, Huaxia Bank Yiwu Branch collaborates with local export credit insurance companies to provide tailored services for foreign trade enterprises [2] - The bank has reduced the entry threshold for small and micro foreign trade enterprises and implemented fee reductions, saving related enterprises 1 million yuan since 2025 [2] - The bank aims to continuously innovate inclusive financial services and optimize product systems to support the high-quality development of small and micro enterprises in Yiwu [2]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Liaocheng Branch is actively supporting rural revitalization by collaborating with the Gaotang Supply and Marketing Cooperative to address the financial needs of agricultural entities, resulting in significant economic and social benefits [1]. Group 1: Financial Support and Loan Distribution - As of October 2025, ICBC has issued a total of 20.1 million yuan in agricultural loans through the Gaotang Supply and Marketing Cooperative, benefiting 23 agricultural entities and effectively addressing financing challenges in agriculture [1]. - The bank has established a regular communication mechanism with the cooperative to understand the financing characteristics and needs of agricultural entities, ensuring targeted financial services [1]. Group 2: Demand Assessment and Client Base Strengthening - ICBC and the cooperative have formed a service team to visit agricultural service centers, cooperatives, and key farmers to assess their production conditions and funding needs, creating a "demand list" for agricultural entities [2]. - Specific loans of 1.9 million yuan and 4.5 million yuan were issued to agricultural enterprises under the cooperative, expanding the reach to 21 additional farmers and totaling 13.7 million yuan in loans [2]. Group 3: Product Optimization and Service Efficiency - The bank has integrated various financial products such as "Planting E-Loan" and "Grain Purchase Loan" into agricultural supply and circulation scenarios, allowing agricultural entities to access financial services conveniently [2]. - Loan application processes have been simplified, with a green approval channel established for quick loan disbursement, enabling timely support for agricultural inputs [2]. Group 4: Promoting Inclusive Finance and Industry Development - ICBC is committed to using agricultural loans to enhance service capabilities at agricultural service centers and support cooperatives in developing specialized planting and breeding industries, thereby increasing farmers' income [3]. - The bank plans to deepen its collaboration with the Gaotang Supply and Marketing Cooperative and innovate more financial products and service models to provide better financial support for agricultural entities [3].

Core Insights - The People's Bank of China Jiangxi Branch has implemented the fund flow platform as a key initiative to enhance the credit system for small and micro enterprises and deepen inclusive finance [1][2] - Jiujiang Bank Ganzhou Branch actively promotes the application of the fund flow platform to address financing challenges faced by local small and micro enterprises, leveraging data to reshape inclusive financial service models [1][2] Group 1: Fund Flow Platform Implementation - The fund flow platform is utilized to improve the credit system for small and micro enterprises through policy promotion and specialized training [1] - Jiujiang Bank Ganzhou Branch has integrated the fund flow platform into its inclusive finance priorities, optimizing the credit approval process and forming a specialized service team [2] Group 2: Financial Support for Enterprises - A specific case is highlighted where a manufacturing company received a 3 million yuan unsecured credit loan through the fund flow platform, alleviating its financial pressure for raw material procurement and equipment upgrades [1] - As of November 2025, Jiujiang Bank Ganzhou Branch has provided credit support to 258 small and micro enterprises, issuing 996 loans totaling 2.178 billion yuan, with a remaining balance of 1.785 billion yuan [2] Group 3: Future Plans - The bank plans to continue leveraging its advantages to focus on the needs of technology-driven and innovative small and micro enterprises, optimizing platform application processes for more precise data utilization and efficient financial services [2]

Core Insights - The "Star River" case list, evaluated by the China Academy of Information and Communications Technology and the Big Data Technology Standard Promotion Committee, recognized Ant Group's two risk control innovations as exemplary applications in the industry [4] Group 1: Innovations in Risk Control - Ant Group's "Little Red Flower" real-time interactive intelligent risk control and the "Multi-Agent Collaborative Consumer Finance Risk Control Engine" were selected as typical cases, highlighting their industry benchmark value [4] - The "Little Red Flower" innovation breaks traditional credit models by integrating high-frequency user interaction data, enhancing the ability to process unstructured data, and enabling two-way interaction between users and financial institutions regarding credit limits [4] - Users can submit over 1,000 types of materials to apply for credit limit increases, including various professional qualification certificates and even photos of work badges, allowing for a more diverse demonstration of credit value [4] Group 2: Efficiency and Automation - The "Multi-Agent Collaborative Consumer Finance Risk Control Engine" focuses on improving efficiency and accuracy throughout the risk control process by integrating heterogeneous data and large model technology, achieving full-link automation from customer analysis to decision execution [4][5] - The system identifies over 120 credit feature tags, providing deep insights into user needs and risks, while reducing the model building and strategy development cycle from 30 days to 72 hours, with an automation rate exceeding 90% [5] - The decision-making process is dynamically adjusted based on real-time data, enhancing the approval rate of legitimate requests and improving fraud prevention, saving over 10,000 hours of expert labor annually [5] Group 3: Strategic Importance of Data - The national data strategy is becoming a crucial support for building new competitive advantages, with the "Data Element X" three-year action plan (2024-2026) accelerating the potential release of data as a new production factor [5] - The financial industry, being data-intensive, benefits from the deep integration of AI technology and data elements, improving service efficiency and expanding the coverage of inclusive finance [5] - The inclusion of Ant Group's applications in the "Star River" typical cases reflects the concentrated value of data elements in financial scenarios, indicating a shift from experience-driven to data-driven financial services [5]

如今在湖北潜江，像王师傅这样的受益养殖户越来越多。全市已建成超过100个、总面积5000亩的"四季有虾"稻田模式示范点，通 过"示范先行+技术培训+风险保障"的组合拳，让"四季有虾"的养殖模式稳步推广。 上述案例正是中国太保依托专业优势，护航各地发展特色产业，让更多农民实现可持续增收的缩影。助力三农现代化发展，写好普惠 金融大文章，中国太保将持续践行责任担当，坚持创新引领，护航农业基础更加稳固、农村地区更加繁荣、农民生活更加红火，让中 国农业高质量发展的步伐更加铿锵有力。 财经频道更多独家策划、专家专栏，免费查阅>> "以前冬天就馋这一口小龙虾，没想到现在一年四季都能吃到新鲜的！"湖北潜江市民李女士在菜市场挑选小龙虾时连连点赞。 这份"全年不缺席"的美味背后，离不开养殖户的辛勤付出，更藏着一份为冬虾养殖保驾护航的"保险密码"。作为"中国小龙虾之乡"，潜 江正全力推进"四季有虾"工程，打破小龙虾"夏旺冬缺"的季节限制。农户们可采取升级后的"早春虾—中晚稻—冬虾"稻田模式，即2月 投苗、4月收虾，接着种中晚稻，收完稻后再投冬虾苗，实现稻虾双丰收。但反季节养殖最怕极端天气，"去年冬天一次降温，邻村好 几户的虾苗冻得 ...

转自：新华财经 金融是现代经济的核心，服务实体经济是金融的根本宗旨。农业银行包头分行把学习贯彻党的二十届四 中全会精神融入金融服务各领域各环节，立足包头市稀土新材料基地和稀土应用基地、全国老工业基地 绿色转型创新发展示范地区和黄河"几字弯"都市圈现代化中心城市建设，聚焦先进制造、乡村振兴、绿 色金融、普惠民生等关键领域，以精准金融供给、创新服务举措和高效金融服务，为地方经济高质量发 展注入强劲动能。 锚定实体经济"主战场"，金融助力地方经济高质量发展 截至11月末，该行民营企业贷款余额91亿余元，累计服务1.65万户民营企业客户。 深耕乡村振兴"责任田"，夯实"三农"根基 农业银行包头分行始终将服务"三农"作为主责主业，通过模式创新、科技赋能，积极探索高质量服务乡 村振兴的新路径。 在金融服务供给方面，该行"惠农e贷"产品已覆盖包头市527个行政村，今年以来累计投放农户贷款 28.31亿元；"惠农通"服务点实现包头市县域地区全覆盖，凭借"查、取、转、缴、存"等便民服务，有 效扩大了金融服务半径，尤其在农村特色产业乡镇，"惠农通"服务场景建设持续推进，让农牧民在家门 口就能享受便捷金融服务。 在政策落实与模式创 ...

Core Viewpoint - Shengjing Bank emphasizes the integration of party building and business development, focusing on providing tailored financial solutions to various financing entities, thereby enhancing the quality of inclusive finance services [1] Group 1: Financial Solutions for Small and Micro Enterprises - Shengjing Bank prioritizes enterprise credit and innovation capabilities, offering "light asset, wide credit, and convenient" financing to support small and micro enterprises in upgrading their industries and achieving high-quality development [2] - A technology company in Shenyang received a customized "Shenyandai 2.0" financing solution of 3.4 million yuan with a three-year credit term to support its research and development needs [2] - A manufacturing plant in Dalian was provided with a loan of 3 million yuan within two working days through the "Shengxindai" product to address a liquidity shortage caused by increased orders [2] Group 2: Support for Innovative Enterprises - A cultural and creative media company in Dalian received a specialized credit solution of 1.1 million yuan, which is expected to boost its revenue by 300% within the year [3] - Shengjing Bank's branches are actively customizing financial services for technology enterprises, such as an 8 million yuan loan and a 29 million yuan B-round financing for a national high-tech enterprise [4] Group 3: Tailored Financial Services - Shengjing Bank is committed to developing differentiated and personalized financial products, exemplified by a 3 million yuan loan to a duck egg cooperative to alleviate funding pressure before a peak sales season [5] - A feed company in Anshan received an 8.5 million yuan loan through a customized credit solution, demonstrating the bank's ability to respond quickly to client needs [5] Group 4: Commitment to High-Quality Development - Shengjing Bank aims to leverage its "Shengxianfeng" party building brand to enhance the integration of political and business operations, driving the high-quality development of inclusive finance [6]

Group 1 - The core viewpoint emphasizes that Zhongyuan Bank is committed to supporting the economic development of Henan Province by aligning with the "Two Highs and Four Focuses" strategy, focusing on financial empowerment and industry enhancement [1] - Zhongyuan Bank aims to extend its financial services into high-tech manufacturing, strategic emerging industries, and the "dual carbon" goals, addressing the funding needs of enterprises for capacity upgrades and technological iterations [1] - The bank is enhancing the accessibility and convenience of loans for private enterprises through various standard products, thereby transforming inclusive finance into tangible benefits for the public [1] Group 2 - Zhongyuan Bank is actively involved in ensuring food security and ecological protection by introducing innovative supply chain financial models and specialized credit services for rural revitalization [1] - The bank supports cultural tourism by providing diverse financial products such as long-term project loans and operational property loans to key cultural sites and projects, thereby fostering the development of the cultural tourism industry [2]