Core Insights - Hubei province is advancing government investment and financing reforms through a dual approach of "data credit enhancement" and "fiscal credit enhancement," leading to significant improvements in credit loan accessibility for small and medium-sized enterprises (SMEs) [1][2] Group 1: Credit Loan Reform - Over 135,800 SMEs in Hubei applied for credit loan registration within two months, with nearly 3,000 companies receiving credit loans exceeding 6 billion yuan [1] - The reform transforms the credit of Hubei's SMEs from being visible to banks into actual financing capabilities, effectively converting business value into tangible financial resources [1] Group 2: Role of Credit Reporting Company - The Hubei Credit Reporting Company plays a crucial role as the operational platform for SME credit loans, utilizing data aggregation and sharing to create a credit evaluation model [2] - The credit evaluation system categorizes SMEs into four tiers (A, B, C, D) based on credit limits ranging from 1 million to 10 million yuan, facilitating bank recommendations [2] - As of June 10, 22 banks processed 9,884 applications for loans amounting to 39.91 billion yuan, with 18 banks completing credit approvals totaling 8 billion yuan [2]

鉴于这一认识，中国人寿财险山东省泰安市中心支公司认真把握"泰安市民保"的时点、热点、卖点，多措并举，发动全体员工开展进社区、赶大集、进乡村 等宣传推广活动。一是积极与当地政府和医保部门对接，加大典型案例的宣传力度，发挥职能部门的引领和典型引路作用。利用周末、节假日通过设立宣传 咨询台，发放泰安市总工会、医疗保障局参保倡议书、致基本医保参保人的一封信，倡导大家发扬互助共济精神，积极参与投保，为自己和家人添一份保 障，为社会奉献一份爱心。二是充分发挥自身资源优势，多元化渠道宣传推广。利用农业保险联系千家万户的特点和重点客户资源，组织专人前往乡镇、村 委和企事业单位开展点对点、人对人宣传发动，引导单位开展送温暖、送关怀活动，为本单位职工和居民集体投保，为社会弱势群体捐资投保。今年共拓展 集体投保客户11个，其中某村委为4078名居民集体办理了投保手续。三是统筹资源共享优势，深化与银行、新媒体、车行、医院等合作关系，利用其联系服 务群众点多面广的优势，指导帮助群众熟悉政策、组织投保，其中泰安市农行、建行帮助宣传推广1.8万人。 自2021年起，由泰安市医疗保障局指导，国家金融监督管理总局泰安监管分局监督的泰安市专属城 ...

瞄准文旅企业"轻资产、缺抵押"痛点，在人民银行甘孜州分行和国家金融监督管理总局甘孜分局的指导 下，邮储银行甘孜州分行积极创新申报，推出"文旅产业贷"专属产品，面向甘孜州内从事民宿、酒店、 餐饮、文创等文旅配套服务的经营户，以"信用+保证"等灵活担保方式降低融资门槛，单户最高额度可 达200万元。并针对文旅行业"短、频、急"特点，开辟绿色通道实现融资需求优先响应，较常规流程提 速70%。在稻城亚丁、海螺沟、新都桥等景区周边，藏式民宿借资金完成品质升级，传统藏餐馆焕新设 施拓展经营，让游客在自然景观之外深度体验民族文化魅力。 转自：推广 当海螺沟冰川映照着乡村振兴的曙光，丹巴藏寨的炊烟串联起共同富裕的脉络，邮储银行甘孜州分行以 涉藏地区国有大行的使命担当，将"科技金融、绿色金融、普惠金融、养老金融、数字金融"深度融入甘 孜文旅产业升级实践。截至5月末，该行近30%个人经营性贷款投向文旅领域，投放专项贷款近4000万 元覆盖百户市场主体，以"普惠金融"为四川涉藏地区高质量发展注入红色金融动能。 普惠金融"精准滴灌"：雪山下的信用村"贷"动千万民宿梦 针对文旅转型期融资瓶颈，邮储银行甘孜州分行以"文旅兴州"战略为指引 ...

核心业绩数据（基于公开信息与行业分析） 狮桥融资租赁（中国）有限公司（简称"狮桥"）持续深化产业金融服务，近两年关键经营指标凸显强劲发展动能： 创新驱动增长 资本实力：注册资本达 33亿元人民币（国家企业信用信息公示系统），位列行业头部 规模领先：商用车融资租赁累计投放额 突破1700亿元（截至2023年末行业数据），服务超百万小微客户 绿色转型：新能源商用车融资年增速 显著高于行业平均水平（第三方机构测算超50%），主导物流重卡电动化金融支持 普惠实践：中小微企业主及个体经营者占比 长期保持85%以上（企业社会责任报告） 风控能力：资产不良率 持续优于行业均值（评级机构行业对比报告） 科技赋能：构建AI风控系统实现全流程数字化，服务效率提升40% 产品创新：开发"车电分离""运力贷"等场景化方案，适配物流产业需求 生态协同：联合中国重汽、宁德时代等龙头企业，建立车辆全生命周期服务体系 战略发展方向 价值印证 通过 1700亿元实体投放、85%小微覆盖率、新能源金融领跑 三大维度，狮桥印证了产融结合的深度实践。在服务"双碳"战略与普惠金融的进程中，持续以 数据实效彰显企业担当。 深化新能源布局：拓展充换电设施 ...

Core Viewpoint - The establishment of Hainan Free Trade Port has entered a new phase of comprehensive deepening of reform and opening up, with Guangfa Bank playing a significant role in supporting its development [1] Group 1: Financial Services System - Guangfa Bank has accelerated its efforts to introduce financial resources into Hainan, leveraging its comprehensive financial advantages as a member of China Life [2] - The bank issued a comprehensive financial service plan in 2021 to support the construction of Hainan Free Trade Port, focusing on key areas such as digital development, cross-border trade, and optimizing the business environment [2] Group 2: Financial Service Quality - Guangfa Bank has enhanced its financial services to support Hainan's regional development, demonstrating a commitment to the construction of Hainan Free Trade Port [3] Group 3: Technological and Green Finance - The Haikou branch has increased credit support for technology enterprises and strategic emerging industries, issuing loans totaling 1.58 billion yuan to tech companies [4] - The branch has also issued 78.1 million yuan in green bonds and implemented a "priority review" mechanism for green credit, achieving a 13.2% increase in green credit balance by May 2025 [4] Group 4: Social Responsibility - Guangfa Bank has supported over 5,600 households in housing projects with more than 2.2 billion yuan in credit, demonstrating its commitment to social welfare [5] - The bank has also established a special fund for hearing-impaired children and has been recognized as an advanced collective in national disability work [5] Group 5: Future Outlook - As Hainan Free Trade Port approaches a critical phase of operation, Guangfa Bank aims to integrate its "finance for the people" philosophy into its actions, contributing to the development of Hainan [6]

转自：新华财经 日前，中国平安上海地区普惠金融高质量发展主题峰会在上海中国金融信息中心举办。在本次峰会上， 平安银行上海分行发布普惠金融"4+1"产品体系，以"科创贷"、"担保贷"、"信用贷"、"抵押贷"及"场景 贷"全方位精准服务小微企业，切实破解小微企业"融资难、融资贵"痛点。平安银行上海分行将牢牢把 握金融工作的政治性与人民性，持续提升金融服务实体经济、普惠小微的能力，积极践行普惠金融高质 量发展。 打造"4+1"产品体系 精准破解小微企业"融资难、融资贵"痛点 尽管小微企业在支撑宏观经济稳健发展、促进就业与激发市场创新活力等方面发挥着重要的推动作用， 但由于小微企业缺乏足够的资产抵押物、加之经营抗风险能力相对较弱，融资难、融资贵问题持续"制 约"小微企业的业务成长。 作为上海地区重要金融机构，平安银行上海分行始终坚守金融服务实体经济初心，积极借助平安集团各 家子公司专业力量，整合内外部资源，提升普惠金融服务品质，共同构建普惠金融服务生态，推进普惠 金融高质量发展。 此次平安银行上海分行推出的普惠金融"4+1"产品体系，将进一步增加小微普惠金融贷款供给、降低综 合融资成本、提高融资效率、提升小微普惠金融 ...

Core Viewpoint - The financing difficulties faced by small and micro enterprises are primarily due to information asymmetry, insufficient collateral, and high operational risks, which traditional financial institutions are hesitant to address. Tianchuang Credit has developed an innovative intelligent risk control solution to effectively tackle these challenges and promote inclusive finance [1][3]. Group 1: Financing Challenges - Small and micro enterprises struggle with financing due to factors such as information asymmetry, lack of collateral, and high operational risks [3]. - Traditional risk control models fail to accurately assess the credit status of small and micro enterprises, leading to missed growth opportunities for potentially viable businesses [3]. Group 2: Intelligent Risk Control Solution - Tianchuang Credit has created an intelligent risk control system utilizing big data and artificial intelligence to break down information barriers and achieve precise and efficient risk assessment [3]. - The solution integrates multiple data sources, including transaction records, financial status, credit history, and social network behavior, enhancing the accuracy of risk assessments and significantly shortening loan approval cycles while reducing financing costs for small and micro enterprises [3][4]. - The company emphasizes risk warning and dynamic monitoring to ensure fund safety, providing financial institutions with more reliable decision-making support [3]. Group 3: Social Responsibility and Market Impact - Tianchuang Credit demonstrates a strong sense of social responsibility by promoting its intelligent risk control solutions not only to large financial institutions but also to small banks, non-bank financial institutions, and internet finance platforms, thereby broadening their service scope and improving service efficiency [3][4]. - By lowering financing thresholds, Tianchuang Credit effectively stimulates the innovative vitality of small and micro enterprises, contributing to the prosperity of the real economy [3]. Group 4: Future Directions - The company continues to optimize its service model by providing customized and personalized risk control solutions to meet the diverse needs of small and micro enterprises across different industries and development stages [4]. - Tianchuang Credit aims to deepen its engagement in the financial technology sector, continuously innovating risk control technologies and optimizing service processes to offer higher quality and comprehensive services to more small and micro enterprises, thus supporting their growth in a competitive market [4].

在当今经济环境下,小微企业作为实体经济的"毛细血管",其稳定发展对于促进就业、激发市场活力具有 不可替代的作用。然而,融资难、融资贵一直是困扰小微企业发展的老大难问题。面对这一挑战,天创信 用凭借其深厚的科技底蕴和创新能力,正积极助力金融机构破解小微企业融资难题,为实体经济发展注入 新动力。 尤为重要的是,天创信用在助力金融机构服务小微企业的过程中,始终坚持以客户为中心,注重提升服务体 验。通过优化产品设计、简化操作流程,使得小微企业能够更加便捷地获得金融服务。同时,天创信用还 积极与金融机构合作,共同探索适合小微企业的金融服务模式,推动金融资源向小微企业倾斜,促进实体经 济的繁荣发展。 天创信用在普惠金融领域的持续发力,不仅体现在技术创新和服务优化上,更在于其对社会责任的深刻理 解和积极担当。通过科技赋能,天创信用正逐步构建起一个更加包容、高效、可持续的普惠金融生态体 系,让金融活水精准滴灌到每一个需要的小微企业,为实体经济的蓬勃发展贡献力量。 小微企业融资难题,根源在于信息不对称、风控成本高以及传统金融机构服务模式与小微企业需求不匹 配。小微企业往往缺乏足够的抵押物,财务信息不透明,导致金融机构在风险评估 ...

普惠金融—小微发展指数2025年一季度运行至52.11点，环比提升0.73%，高于50荣枯线。其中，活力指 数为55.06点，环比提升2.73%，信心指数为57.13点，环比提升0.24点，展现出小微企业积极的发展信心 与生存活力。 小微企业各行业、地区指数运行结果呈现出整体趋势的协调性与部分行业的分化特征。分行业来看，五 大行业融资需求整体旺盛，一季度融资需求指数涨幅均超过20%。其中，科学研究和技术服务业提升最 为明显，环比上涨30.45%，反映出创新驱动下的强融资需求。融资供给指数整体提升；租赁和商务服 务业涨幅最大，同比上涨1.55%。分区域来看，七大样本地区小微企业融资需求与融资效率均显著提 升，融资风险普遍降低。其中，广东融资需求指数涨幅最大，环比提升25.22%；河北融资效率涨幅最 高，环比提升1.34%。（经济日报记者 彭江） 近日，由新华指数研究院运营发布的"普惠金融—小微指数"第28期成果发布。研究结果显示，2025年第 一季度，小微企业发展预期改善，融资需求显著提升，融资成本及风险有所下降，面向小微企业的普惠 金融服务能力稳步增强。指数调查结果显示，一季度小微融资需求以10万至50万元的 ...

申万宏源动态 2025年5月 精选新闻动态 精选动态栏目按月定期推出，整合申万宏源证券与合作伙伴的热点动态，为您带来最新资讯。 科技金融 TECHNOLOGY FINANCE 5月9日，由申万宏源证券担任主承销商的"中国工商银行股份有限公司2025年科技创新债券（第一 期）（债券通）"成功发行，本期债券发行规模200亿元，期限3年，票面利率1.65%，为市场首批金融类 科技创新债券，创商业银行金融债最低票面利率，同类产品单期规模之最*。 *注：排名统计时间截至5月9日 申万宏源证券成功落地首批上交所科创债债券借贷交易 5月23日，申万宏源证券与兴业银行成功开展首批上交所科技创新债券借贷交易。 申万宏源证券深耕 债券借 贷业务10年，交易规模屡创新高，存续规模位居同业头部。此次开展科创债债券借贷交易，能降 低科创企业的融资成本，助力科创企业获得更多资金支持，促进科技创新成果转化。 普惠金融 INCLUSIVE FINANCE 申万宏源助力天工股份向不特定合格投资者公开发行股票并在北交所上市 申万宏源证券发行首批券商科创债 5月7日，中国人民银行、中国证监会联合发布关于支持发行科技创新债券有关事宜的公告。5月9 ...