北京商报讯（记者 李海媛）12月24日，中国人民银行官网发布消息称，近日，中国人民银行、国家发展改革委、财政部、交通运输部、商务 部、金融监管总局、中国证监会、国家外汇局联合印发《关于金融支持加快西部陆海新通道建设的意见》（以下简称《意见》）。 | 字号 | 文章来源:沟通交流 | 2025-12-24 15:31:55 | | --- | --- | --- | | 打印本页 关闭窗口 | | | | 为深入贯彻落实习近平总书记关于西部陆海新通道建设的重要讲话精神和党中央、国务院关于加快西部陆海新通道建设的重大决策部 | | | | 罢,宗華西部陆海新通消全副服务体系,近日,中国人民锦行、国家发展改革委、财神部、交通运输部、商务部、会副监管总局、中国证 | | | 《意见》指出，加强绿色金融内外合作。支持沿线省（区、市）联合研究绿色金融标准。完善中国—新加坡绿色金融工作组机制，在绿色金融标 准的制定和应用、绿色金融产品、金融科技支持绿色金融等方面加强合作。引进东南亚、港澳地区投资者支持绿色低碳基金、绿色产业、零碳园 区和生态环保项目建设。鼓励东南亚、港澳地区投资者投资沿线省（区、市）金融机构或企业发行的绿色 ...

Core Viewpoint - Consumption is seen as the "ballast" for economic growth, while finance acts as the "lifeblood" that supports aspirations for a better life across various scenarios and urban-rural divides. Consumer finance companies play a crucial role in driving consumption and supporting new urban residents and county-level consumption upgrades [1] Policy Insights - By 2025, multiple policies related to consumption and consumer finance will be implemented, making it essential for consumer finance companies to adapt to regulatory changes and convert policy benefits into consumption potential [2] - Policies such as the "Special Action Plan to Boost Consumption" and "Guidance on Financial Support for Expanding Consumption" have provided a solid foundation and market confidence for the consumer finance industry [2] - Companies like China Post Consumer Finance are actively responding to new lending regulations by implementing a dynamic management whitelist for lending partners to ensure compliance and consumer protection [2] Development Strategies - The implementation of various policies has injected stronger momentum into consumption and provided clear directions for the standardized development of consumer finance companies [4] - Companies are leveraging technology to enhance compliance management and have established systems for fraud detection and risk control [4] - Strict regulatory requirements are viewed as a stabilizing force that can eliminate poor industry participants and create a fair competitive environment for compliant businesses [4] Technological Advancements - Technology remains a core competitive advantage for the consumer finance industry, with companies accelerating their digital transformation to provide more accessible financial services [7] - Ant Consumer Finance has upgraded its risk control system using AI to better match consumer needs and enhance the efficiency of credit decisions [7] - Companies like Xinyu Consumer Finance are focusing on standardizing their technology and processes to support the entire lifecycle of consumer credit services [7] Financial Focus Areas - Consumer finance companies are committed to serving the real economy through five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [9] - Companies are developing tailored products for different consumer segments, such as flexible personal loans for younger consumers and enhancing financial education for the elderly [9] - Haier Consumer Finance has initiated the first ESG-linked syndicated loan in the industry, directing funds to green consumption scenarios [9]

Core Viewpoint - The Xiamen International Bank Quanzhou Branch is actively supporting the high-quality development of the private economy in Quanzhou through targeted financial services and strategic initiatives, aligning with local government policies and focusing on key industries and sectors [1][2]. Group 1: Financial Support for Private Economy - The bank has implemented 15 financial support measures for the private economy in Quanzhou, focusing on industries such as textiles, footwear, and intelligent manufacturing to facilitate technology upgrades and expansion for local enterprises [2]. - A specialized working group has been established to create tailored credit strategies and guidelines for key industries, ensuring precise financial support for leading enterprises and significant projects [2]. - As of November 2025, the bank has provided financial relief of 2.07 million yuan to 86 enterprises, addressing issues of financing difficulties and high costs [2]. Group 2: Diverse Financial Services - The bank has introduced the "Science and Technology Loan" product, offering up to 30 million yuan in unsecured loans to qualified small and micro enterprises, resulting in a year-on-year growth of over 70% in technology finance loans by November 2025 [3]. - Green finance initiatives have been launched, including a carbon footprint loan evaluation system, with green finance loans increasing by over 15% since the beginning of the year [3]. - The bank has developed the "Sea Silk Food Rhythm Loan" to meet the diverse financial needs of small and micro enterprises and individual businesses, enhancing financial accessibility [3]. Group 3: Digital and Elderly Financial Services - The bank is advancing its digital transformation by enhancing financial technology applications, exemplified by the "Cross-border e-Station" platform that supports online cross-border transactions for overseas Chinese businesses [6]. - Financial products tailored for the elderly demographic have been introduced, focusing on stable investment returns and comprehensive protection of their rights [6]. Group 4: Overseas Chinese Financial Services - The bank has established a strong brand in overseas Chinese finance, with a total business volume nearing 4 billion yuan and over 700 overseas Chinese clients as of November 2025 [8]. - Special loan rate discounts and fee waivers for overseas Chinese clients have been implemented, along with a one-stop financial service for overseas Chinese businesses [8]. - The bank collaborates with other financial institutions to create a cross-border financial cooperation platform, supporting overseas Chinese investments in Quanzhou [8]. Group 5: Future Development Goals - The bank aims to continue its commitment to serving the private economy in Quanzhou, focusing on innovation in products and services to support local industries and contribute to the development of Quanzhou as a "21st Century Maritime Silk Road City" [10].

巍巍桐柏山，滔滔淮河源。河南省南阳市桐柏县作为革命老区，80年前，这里是鄂豫边区抗日根据地的 核心区域，也是民生凋敝、满目疮痍的贫困山区。今天，这片曾浸染着先烈热血的赤贫山乡，依托"七 山一水二分田"的地理优势和丰富的生态资源，在金融活水的浇灌下，逐步形成以"茶叶+文旅+新能 源"为支柱的产业体系，并培育出"两金一银一碱"四大重点龙头企业，实现了从革命老区到生态经济强 县的华丽蜕变。截至2025年6月末，桐柏县贷款余额为144.03亿元，同比增长17.59%，增速位居南阳市 各县第一。 金融赋能 助力特色农业产业发展 "多亏了农商行25万元的助农贷款，去年扩建的5座大棚今年就见了效益，预计能多赚15万元。"桐柏县 朱庄镇粉坊村香菇种植户王大姐高兴地说。她口中的助农贷款，正是金融机构深耕特色产业的生动实 践。作为远近闻名的香菇特色产业村，粉坊村的香菇产业金融需求总规模超500万元，传统的信贷模式 难以满足分散化、周期性的融资需求。针对这一问题，中国人民银行南阳市分行精准施策，积极引导金 融机构创新信贷投放模式，针对种植户推出"三步走"金融帮扶策略，联合村两委绘制产业图谱、按经营 规模分档授信、根据香菇生产周期动 ...

出口信用保险以国家财政和国家信用为后盾，是支持我国产品、技术、服务、资本"走出去"的政策 性金融工具，也是我国《对外贸易法》规定的支持对外贸易发展的三大政策措施之一。中国出口信用保 险公司（以下简称"中国信保"）紧密围绕上海加快建设"五个中心"、强化"四大功能"等战略部署，持续 加大对高质量发展的金融服务。"十四五"期间，中国信保上海分公司累计支持上海市外贸出口及投资超 2650亿美元，向企业支付赔款22.19亿元，帮助企业减损近36亿元，出口信用保险在防风险、补损失、 促融资、拓市场，以及稳就业、稳企业、稳市场、稳预期等方面充分发挥作用。 打好稳外贸攻坚战助力国际贸易中心提质升级 业务随之节节攀升。某欧洲买方项下，中国信保5次大幅追加信用限额，每次都为思格新能源带来更高 的成交量，为贸易双方不断深化合作打下坚实基础。在甄选优质买方的同时，中国信保帮助企业及 时"排雷"、精准"拆弹"，准确找出存在潜在风险的买方，帮助企业规避了近1.44亿元的损失。 提升跨境金融服务便利化强化国际金融中心影响力 近年来，出口信用保险因其逆周期的防风险、拓市场、助融资、增效益政策功效越来越受到重视， 已成为上海金融业支持申城外经 ...

2025年12月24日 国泰君安期货商品研究晨报-绿色金融与新能源 观点与策略 | 镍：印尼政策担忧，盘面情绪性补涨 | 2 | | --- | --- | | 不锈钢：基本面供需双弱，印尼镍矿消息扰动 | 2 | | 碳酸锂：下游材料存涨价预期，偏强震荡 | 4 | | 工业硅：逢高做空 | 6 | | 多晶硅：加大开仓限制，关注情绪面波动 | 6 | 国 泰 君 安 期 货 研 究 所 请务必阅读正文之后的免责条款部分 1 期货研究 商 品 研 究 2025 年 12 月 24 日 【宏观及行业新闻】 1）9 月 12 日钢联资讯：因违反林业许可证规定，印尼林业工作组接管 PT Weda Bay Nickel 超过 148 公顷矿区。印尼政府将负责管理该区域，并对该公司处以罚款。该矿区位于北马鲁古省哈马黑拉岛， 今年已通过的 RKAB 镍矿批复量级达 4200 万湿吨，其中包括 1000 万吨湿法矿，总矿区占地 4.7 万公顷， 包含 15 个矿点，印尼林业工作组接管区域占总矿区面积 0.3%，预计影响镍矿产量约 600 金属吨/月。 2）据外媒报道，中国暂停了一项针对从俄罗斯进口的铜和镍的非官方补贴。 ...

民生银行自扎根南粤29年来，始终坚守"服务大众、情系民生"的初心使命，坚持与时代潮流同频共振、 与区域经济共荣共生，用一串串坚实的数据、一项项亮眼的成果、一个个温暖的故事，书写了助力岭南 金融高质量发展的奋进篇章。 深耕细作普惠金融 民生银行广州分行始终将普惠金融作为战略重点，坚持聚焦小微企业、个体工商户等市场主体融资难 题，以创新产品与专业服务打通金融服务"最后一公里"。一家现代化农牧企业集团面临上下游企业融资 渠道匮乏的痛点，对此，分行历时两年打磨线上供应链产品"信融E"，于2024年末实现业务破冰，截至 目前累计放款超11亿元，服务普惠型供应商超100家。为进一步拓展产业链客群，分行量身定制经销商 批量开发方案，2025年"民生快贷"项目成功上线，通过联合营销迅速打开市场，已获批经销商38户，普 惠贷款余额超6000万元，以金融之"链"串联产业生态，让普惠活水精准滋养实体经济末梢。从初创企业 的启动资金到成熟商户的扩大经营需求，广州分行始终以高效、便捷的金融服务，为市场主体注入持续 发展动力。 科技赋能服务升级 数字金融浪潮下，民生银行广州分行坚持以科技创新为引擎，推动金融服务从"线下"到"线上"、从" ...

Core Viewpoint - The concept of "Green Water and Green Mountains are as Valuable as Mountains of Gold and Silver" is being actively implemented in Ji'an, Jiangxi Province, transforming ecological advantages into development strengths and achieving significant economic benefits [1] Group 1: Ecological Product Value Realization - Ji'an's ecological product GEP accounting total value has reached 394 billion yuan, ranking among the top in the province, and it has been designated as a pilot area for the national ecological product value realization mechanism by December 2025 [1] - The city is focusing on a sustainable development path characterized by "beautiful ecology, thriving industries, and prosperous citizens" [1] Group 2: Three-Dimensional Activation of Ecological Value - Ji'an has implemented a refined strategy for different ecological spaces, introducing over 20 specialized financial products such as "Agricultural Facility Mortgage Loans" and "Water Rights Loans" [3] - The city has issued 12 types of ecological vouchers, with a total face value of 397 million yuan, and has secured bank credit exceeding 90 million yuan [3] Group 3: Financial Mechanisms and Support - Ji'an has established a "Inclusive + Green" financial product innovation mechanism, exploring new financing models for forest rights and carbon credits [5] - The city has successfully issued the first green bond worth 1.6 billion yuan and another green bond of 1 billion yuan by Xin Luling Company [5] Group 4: Responsibility and Benefit Sharing - Ji'an has integrated collective forest rights reform into its key initiatives, establishing a four-level responsibility system to ensure accountability in ecological value transformation [4] - The city promotes various joint operation models to create a tight-knit community of interests, ensuring that farmers and village collectives can share the benefits of ecological industry development [6] Group 5: Future Directions and Broader Implications - Ji'an aims to further expand carbon trading and ecological compensation as diversified value realization pathways, pushing for brand and high-end upgrades in ecological industries [6] - The city plans to summarize and promote the "Ji'an Experience" as a replicable solution for similar regions nationwide, contributing to the harmonious development of ecological protection and economic growth [6]

Core Insights - 2025 marks a milestone year for China's public fund industry, entering a new phase focused on high-quality development driven by investor returns [1] - The company emphasizes its commitment to investor interests and aims to implement the "Action Plan for Promoting High-Quality Development of Public Funds" [1] Investment Research and Core Competitiveness - Investment research capability is identified as the core competitiveness of fund companies, essential for wealth preservation and serving the real economy [2] - The action plan requires public institutions to strengthen a "platform-based, integrated, multi-strategy" investment research system, which the company is prioritizing [2] - The company has implemented an integrated investment research reform, fostering collaboration between fund managers and researchers to cover hundreds of sub-industries [2] - The company is focusing on "Technology+" investments, creating a diverse product matrix that includes sectors like technology, medicine, military, energy, manufacturing, and consumption [2] Index Investment and Long-Term Value - The company is actively developing a diverse index product system in line with the trend of indexation and institutionalization in capital markets [3] - It aims to create low-volatility products and asset allocation products to provide a wider range of tools for wealth management [3] - A long-term performance-oriented assessment mechanism is being implemented to ensure the stability and professionalism of the investment research team [3] Enhancing Investor Experience - The action plan emphasizes enhancing investor satisfaction as a core goal, guiding service upgrades in the industry [4] - The company is cultivating a strong industry culture and innovating investor engagement models to build a mature investment ecosystem [4] - Various educational initiatives are being undertaken, including online and offline activities, to improve financial literacy among investors [4] Strategic Alignment with National Goals - The company is aligning its operations with national strategies, focusing on the "Five Major Articles" to drive high-quality development [6] - In the field of technology finance, the company is deepening its investment ecosystem and focusing on hard technology sectors [6] - The company is extending its financial literacy initiatives to rural areas, supporting sustainable rural economic development [6] - In green finance, the company is responding to national "dual carbon" strategies and enhancing research in green industries [6] Digital and Pension Finance Initiatives - The company is focusing on digital transformation to enhance operational efficiency and service precision [7] - It is actively participating in the construction of the national pension system, developing a diverse range of pension products [7]

绿水青山就是金山银山的理念，在革命老区江西省吉安市，正从科学论断转化为火热实践与可观收益。 如今，吉安市着眼把生态优势转化为发展胜势，生态产品GEP核算总值达3940亿元、位居全省前列，并 于2025年12月被确定为第二批国家生态产品价值实现机制试点地区，吉安这条"生态美、产业兴、百姓 富"的可持续发展之路越走越宽。这背后，是吉安立足资源禀赋、深化机制创新的系统性探索。 打造"三色融合、三产联动、三维激活"的特色转化体系 吉安生态资源禀赋优越，全市森林覆盖率67.7%，高于全国42.61个百分点，兼具深厚"红""古"文化底 蕴。吉安市精准把脉，开出了"三色融合""三产联动""三维激活"的组合药方，让不同类型的生态资源都 能找到价值实现的有效路径。 "三色融合"点燃文旅新引擎。红、古、绿三色交织，是吉安特有的底色。吉安市创新推动"红色铸魂、 古韵增涵、绿色筑基"的深度融合模式，让文旅产业从单一观光向深度体验升级。 在青原区陂下古村，通过盘活59栋闲置古宅，将红色旧址、千年古樟与富水河生态景观整体打造，植入 多元业态，使其跃升为"网红村"。在全域层面，吉安精心设计"红色传承+绿色康养"研学线路，建成多 个省级森林 ...