党的二十届四中全会是在以中国式现代化全面推进强国建设关键时期召开的一次具有全局性、历史 性意义的重要会议。如何深入学习贯彻党的二十届四中全会精神，推动金融资产管理公司高质量发展， 更好地发挥防范化解风险和支持实体经济发展的独特功能？对此，《金融时报》记者专访了中信集团党 委委员、副总经理兼中信金融资产党委书记、董事长刘正均。 刘正均：党的二十届四中全会深刻把握党和国家事业发展所处的历史方位，回答了"十五五"时期确 保基本实现社会主义现代化取得决定性进展的一系列方向性、根本性重大问题，对"十五五"时期加快建 设金融强国提出明确要求，为新时代新征程做好金融工作提供了根本遵循。金融资产管理公司作为我国 金融体系内具有逆周期救助、化解金融风险、畅通要素循环特殊功能的重要组成部分，必须深刻把握全 会的重大意义、核心要义和实践要求，为推动金融强国建设取得新的重大进展作出积极贡献。 深刻领会全会的重大政治意义。全会为推进"十五五"发展谋篇布局，为接续推进第二个百年奋斗目 标凝心聚力，必将对党和国家事业发展产生重大而深远的影响。我们要充分认识全会的重大里程碑意 义，坚定拥护"两个确立"，坚决做到"两个维护"，切实把思想和行动 ...

Core Viewpoint - The 20th Central Committee's Fourth Plenary Session emphasizes the importance of accelerating the construction of a financial powerhouse and outlines a strategic blueprint for the 14th Five-Year Plan, highlighting the role of the futures market in price discovery, risk management, and resource allocation [1][3]. Group 1: Strategic Development - The "15th Five-Year Plan" suggests a focus on building a modern industrial system and emphasizes the importance of high-level technological self-reliance and a strong domestic market [3][4]. - The plan identifies the need for steady development of futures, derivatives, and asset securitization, providing a new development space for the futures industry [7]. Group 2: Role of Futures Market - The futures market is positioned as a crucial tool for enterprises to manage price volatility risks and support industrial transformation and upgrading [4][5]. - The market is expected to play an essential role in connecting finance with the real economy, enhancing the resilience of supply chains, and providing risk management services to various sectors, including green finance and inclusive finance [5][6]. Group 3: Company Initiatives - The company aims to integrate deeply into the industrial chain, offering customized risk management services and achieving breakthroughs in various key areas [5]. - The company has provided risk management services to over 1,000 industrial clients, helping them transition from merely avoiding risks to effectively managing operations [5]. Group 4: Compliance and Risk Management - The "15th Five-Year Plan" calls for comprehensive financial regulation and the establishment of a risk prevention and resolution system to ensure financial stability [8]. - The company is committed to enhancing its compliance and risk management frameworks, ensuring that risk management aligns with operational needs and effectively addresses market price fluctuations [8].

Group 1 - The core focus of the China Construction Bank (CCB) Hebei Branch is to enhance financial services for small and micro enterprises, addressing financing difficulties and optimizing the entire financing process, achieving a cumulative loan amount exceeding 250 billion yuan [1] - CCB Hebei Branch has established a team of over 100 financial advisors in each county to engage with local governments and businesses, conducting various activities to promote inclusive financial policies and support local industry clusters, with loan support exceeding 10 billion yuan by the end of November 2025 [2] - The bank has innovated financial products to address the common financing challenges faced by small and micro enterprises, particularly those with light assets, by utilizing government recommendation lists to identify customer needs and providing tailored financial solutions, resulting in over 5 billion yuan in loans since the launch of the initiative in 2024 [3] Group 2 - CCB Hebei Branch has optimized service experiences through technology by simplifying financing processes and establishing a fast-track approval system, significantly reducing processing times and enhancing digital financial services for small and micro enterprises [4] - The bank offers comprehensive financial services for foreign trade enterprises, including financing support, international settlement, exchange rate hedging, and cross-border business matchmaking, helping businesses navigate international markets and mitigate risks associated with currency fluctuations [5] - CCB Hebei Branch aims to continuously improve its inclusive financial service system, providing better products and higher efficiency to support the development of small and micro enterprises in Hebei province, contributing to the high-quality development of the local economy [5]

Core Viewpoint - The article emphasizes the importance of developing various financial sectors, including technology finance, green finance, inclusive finance, pension finance, and digital finance, to support the construction of a strong financial nation and facilitate economic development [2][3]. Financial "Five Articles" - The "Five Articles" focus on enhancing financial support for achieving high-level technological self-reliance, promoting green transformation, improving the inclusive financial system, developing a pension financial system, and advancing high-quality digital finance [3][4]. - The implementation of digital technology in financial services is highlighted, with eight key areas identified for development, including the establishment of big data collections for tech enterprises and optimizing green finance service models [3][4]. Low-altitude Economy - The low-altitude economy is identified as a new industry with high growth potential but also high risks, necessitating a comprehensive financial service system that caters to its unique characteristics [5][6]. - Guangdong Province has seen its low-altitude economy output exceed 100 billion yuan, prompting the introduction of the "Twelve Articles" to support the development of this sector through various financing channels [5][6]. Financial Products and Services - The "Twelve Articles" encourage the development of financial products that cover the entire lifecycle of low-altitude economy enterprises, including differentiated cash flow valuation models and support for venture capital in "hard tech" projects [6][7]. - Financial institutions are urged to create specialized service teams and innovative financial products tailored to the needs of the low-altitude economy [7][8]. Policy Coordination - The article stresses the need for coordinated efforts among various financial policies to create a conducive environment for the "Five Articles," with a focus on optimizing risk-sharing mechanisms and enhancing financial support for key economic strategies [8][9]. - As of September 2025, structural monetary policy tools supporting the "Five Articles" amounted to 3.9 trillion yuan, with significant growth in technology and green loans [9].

Core Insights - The Guangdong banking industry is focusing on serving the real economy and has made significant strides in 2025, marking it as a pivotal year for financial development in the region [1] Group 1: AIC "Twin Stars" in the Greater Bay Area - In November 2025, two financial asset investment companies (AIC) from China CITIC Bank and China Merchants Bank were approved to operate in the Greater Bay Area, with registered capitals of 10 billion yuan and 15 billion yuan respectively [2] - These AICs aim to leverage local market advantages and provide comprehensive financial services to local enterprises, particularly in technology innovation and market-oriented debt-to-equity swaps [2] Group 2: Addressing "Involution" in Competition - The Guangdong banking sector is actively combating "involution" in competition, which has led to unhealthy practices such as price wars and resource misallocation [3][4] - Regulatory bodies have introduced a negative list for involutionary competition and established self-regulatory agreements to promote fair competition within the industry [3] Group 3: Risk Management for Small Financial Institutions - The Guangdong Financial Regulatory Bureau has prioritized the risk management of small financial institutions, focusing on restructuring and governance to mitigate risks [5] - In 2025, 12 village banks were approved for dissolution, and 11 were merged, indicating a significant restructuring effort in the sector [6] Group 4: Loan Subsidy Policies - In August 2025, the Ministry of Finance introduced loan subsidy policies aimed at supporting consumer loans and service industry operators, which have been rapidly adopted by banks in Guangdong [7] - By the end of the first month of implementation, over 5,800 new clients had benefited from the subsidy, with more than 100 million yuan in loans disbursed [7] Group 5: Inclusive Finance Innovations - The "China Inclusive Finance Tour" initiated in July 2025 highlighted innovative practices in inclusive finance across various regions, with Guangdong's efforts receiving significant attention [9][10] - A total of 139 effective cases were collected during the inclusive finance innovation practice conference, showcasing advancements in digital transformation and supply chain finance [10] Group 6: Financial Empowerment of the "Hundred Counties, Thousand Towns, and Ten Thousand Villages" Project - The Guangdong government has implemented a financial support plan for the "Hundred Counties, Thousand Towns, and Ten Thousand Villages" project, aiming to enhance financial services in rural areas [14] - By September 2025, loans in the Guangdong region had increased by 6.5% year-on-year, with agricultural loans growing by 10.6%, demonstrating the effectiveness of financial support in rural development [15] Group 7: Financial Services for the National Games - The 15th National Games held in Guangdong, Hong Kong, and Macau in November 2025 saw banks providing comprehensive financial services throughout the event lifecycle [16][17] - Financial institutions facilitated seamless payment experiences and provided credit support for infrastructure projects related to the Games, amounting to over 70 billion yuan [17] Group 8: Strengthening Regulatory Oversight - The Guangdong Financial Regulatory Bureau emphasized a strong regulatory framework, with 515 penalties issued to banking institutions in 2025, reflecting a commitment to compliance and risk management [18] - The region's regulatory actions are among the highest in the country, indicating a proactive approach to maintaining industry standards [18] Group 9: Consumer Protection Initiatives - The Guangdong Financial Regulatory Bureau has been enhancing consumer protection measures, embedding consumer rights into all business processes of financial institutions [19] - Initiatives include comprehensive evaluations of consumer protection practices and addressing complaints to improve service quality [19][20]

Core Viewpoint - The article emphasizes the role of Zhejiang Commercial Bank in promoting financial services that support both technological innovation and rural development, showcasing its commitment to "finance for the people" and aligning with national strategies [1][2]. Group 1: Technological Finance - Zhejiang Commercial Bank has significantly contributed to the growth of small and micro enterprises, serving over 500,000 clients and increasing loan issuance by 133% during the 14th Five-Year Plan period [2]. - The bank has developed a unique credit evaluation system tailored to the characteristics of technology companies, moving away from traditional collateral-based assessments [3][6]. - The case of Wuhan Heyuan Biotechnology Co., Ltd. illustrates the bank's innovative approach, providing critical funding of 5 million yuan to support its research and development efforts [5][6]. - The bank's "Talent Bank" initiative focuses on evaluating companies based on their human resources and technology rather than physical assets, enabling timely financial support [6][8]. Group 2: Inclusive Finance - Zhejiang Commercial Bank has extended its financial services to rural areas, exemplified by the transformation of Taohou Village from poverty to a model of shared prosperity [9][13]. - The bank implemented the "3386 model" to tailor financial services to local resources and industry characteristics, facilitating access to loans without collateral [11][13]. - The successful case of a couple starting a guesthouse in Taohou Village highlights the bank's role in providing 500,000 yuan in loans, which helped them overcome initial financial challenges [11][13]. - The bank has served 800,000 small micro enterprises and issued over 3 trillion yuan in loans, demonstrating its commitment to inclusive finance and rural revitalization [13][15].

Group 1 - The "Qihang·2025 Financial Summit" was held in Beijing, focusing on the theme of "New Starting Point, New Momentum, New Journey," gathering hundreds of guests from various sectors to discuss development paths for the "14th Five-Year Plan" [1] - The "Golden Wisdom Award" was announced, with China Minsheng Bank receiving the "Outstanding Credit Card Brand Value Award" for its continuous efforts in brand building and value innovation [1][6] Group 2 - The "Golden Wisdom Award" aims to establish benchmarks for high-quality development, guiding enterprises to focus on their core business, promote innovation, and fulfill social responsibilities, covering over 8,000 companies in A-shares, Hong Kong stocks, and Chinese concept stocks [6] - The award for "Outstanding Credit Card Brand Value" emphasizes comprehensive brand strength, including market recognition, product service innovation, industry influence, and social responsibility [6] Group 3 - China Minsheng Bank adheres to its mission of "serving the public and caring for people's livelihoods," integrating national strategies with public service to enhance brand value through five major initiatives [7] - The bank is focusing on technological innovation to upgrade services, incorporating low-carbon concepts into products, offering customized services for public welfare finance, optimizing services for the elderly, and enhancing digital financial services [7] - Through these innovative measures, the bank's credit card services have evolved from a single payment tool to a "finance + service" ecosystem, achieving a systematic leap in brand value [7] - Looking ahead, China Minsheng Bank will continue to implement its five major initiatives, further optimizing its consumer finance service system and enhancing the effectiveness of services for the real economy [7]

该行持续完善制度建设，优化管理服务流程。简化审批环节、压缩办理时限，实现"线上申请+线下调 查"高效联动。聚焦县域特色产业，为种植和养殖大户、农产品加工企业、石材经营商户等开通"绿色审 批通道"，实行优先受理、优先审批、优先放款，确保资金及时精准到位。建立全流程风险防控体系， 依托大数据构建客户画像，强化信用风险、操作风险管控；健全贷款用途跟踪机制，定期开展贷后检 查，确保普惠金融业务稳健运行。 本报讯（通讯员 王云婷）香河农商银行紧密结合县域经济实际，以党建为引领、以制度为保障、以服 务为核心，全方位提升普惠金融服务便利性与覆盖面，切实为乡村振兴与实体经济发展注入金融动能。 该行将党建工作与普惠金融深度融合，积极开展党建联建共建活动，通过开展主题党日、"金融服务进 万家"等活动，实现"以共建促党建、以党建促业务、以业务强党建"的良性循环。领导班子深入田间地 头、产业街区，对接县域发展规划与民生需求，精准锚定普惠金融发力点；党员干部带头担任金融服务 专员，入驻乡镇开展驻村服务，宣传普惠信贷政策、摸排资金需求，成为连接银行与客户的"暖心桥 梁"。 （来源：廊坊日报） 转自：廊坊日报 该行精心绘制城乡服务网格，以 ...

Core Insights - The article highlights the transformation in financial services for migrant workers in rural areas, particularly focusing on the improvements in banking accessibility and efficiency for those working far from home [1][2][3][4][5] Group 1: Financial Service Improvements - The People's Bank of China in Anshun has been actively enhancing financial services for migrant workers, addressing issues such as account unlocking and remittance difficulties, which were previously significant barriers [1][2] - A dedicated financial service team from the local bank has been established to provide on-site assistance in various provinces, significantly reducing the need for workers to travel long distances for banking services [2][3] Group 2: Wage Payment Assurance - The local bank has collaborated with employers to ensure timely wage payments directly to workers' accounts, enhancing financial security for migrant workers [3] - As of now, the bank has provided wage payment services to 69 enterprises, facilitating a total of 16.28 billion yuan in payments for over 48,000 workers, with a service success rate of 99.8% over the past three years [3] Group 3: Digital Financial Solutions - The introduction of the "Qian Nong Yun" app has streamlined financial transactions for migrant workers, allowing them to send money home easily and without fees, thus saving significant costs [4][5] - Over 85% of migrant workers from the region have adopted this app, which has collectively saved them nearly 300,000 yuan in transaction costs annually over the past three years [5]

指数数据直观印证了普惠金融的深化成效。融资效率与服务质量的同步提升，为中小微企业营造了更优 的金融环境。针对长期存在的融资难、融资贵、融资慢等痛点，银企互汇聚焦企业全生命周期融资需 求，打造一站式解决方案。通过创新互联网模式整合线上线下资源，联合数十家金融机构，智能解析企 业经营数据，动态适配多元化融资方案，有效打破信息壁垒，化解了传统融资模式下企业"反复奔波、 流程冗长"的困境。 银企互汇的服务优势，更深植于企小满科技的生态资源协同。依托企小满科技构建的涵盖法务合规、财 税管理、商业咨询等多元模块的一站式服务，银企互汇将单一的融资支持升级为覆盖多要素的全方位赋 能体系。通过大数据分析实现企业需求的精准识别与匹配，进一步提升了融资服务的专业性和效率。 近日，中国经济信息社与中国建设银行联合发布的第30期普惠金融-小微指数显示，2025年三季度小微 企业发展态势企稳向好。融资成本显著下降、资金供给持续扩容，金融服务可得性与质量同步提升，为 实体经济高质量发展注入强劲动力。在此背景下，企小满科技旗下金融服务品牌"银企互汇"积极响应政 策导向，精准对接企业需求，以创新的一站式融资服务破解行业痛点，依托生态协同优势， ...