为深入落实好金融"五篇大文章"，近日中国人民银行福建省分行、福建省委金融办牵头，联合福建省发 改委、财政厅等部门，制定印发了《福建省金融"五篇大文章"工作方案》，提出福建省进一步深入落实 科技金融、绿色金融、普惠金融、养老金融、数字金融工作的18条具体举措。 方案还提出，切实提升科技金融服务质效，完善拓展投贷联动模式，力争"见投即贷"和"见贷即投"；发 挥区域性股权市场作用，支持科技型企业股权融资交易。 （文章来源：新华社） 方案提出，加强对科技创新与战略性新兴产业金融支持，持续推进"科创兴闽 '银'领开篇"专项行动，深 入实施科技金融增量扩面降本、产品服务创新、专营机构建设三大工程，推动信贷规模稳中有增，力争 2025年到2027年科技相关产业贷款保持年均10%增速，制造业贷款占比较2024年进一步提升。 ...

Core Viewpoint - The People's Bank of China Fujian Branch and the Fujian Provincial Financial Office have jointly developed a comprehensive work plan to implement the "Five Major Financial Articles" focusing on technology finance, green finance, inclusive finance, pension finance, and digital finance in Fujian Province, with specific measures outlined to enhance financial support across various sectors [1][16]. Group 1: Technology and Strategic Emerging Industries - The plan emphasizes the need to continuously promote the "Innovation in Fujian" initiative, aiming to increase credit scale while enhancing the quality of financial services [1][20]. - Specific actions include the establishment of specialized institutions, innovation in financial products, and the promotion of technology-related loans, targeting an annual growth rate of 10% for technology-related industry loans from 2025 to 2027 [5][20]. - The plan also aims to improve the knowledge property assessment and circulation system to activate the value of intellectual property as collateral [5][21]. Group 2: Green Finance - The initiative seeks to increase the supply of green and transition finance, with a focus on enhancing the proportion of green loans [2][22]. - Financial institutions are encouraged to innovate products related to environmental rights and to issue green financial bonds [2][22]. - The plan includes measures for improving environmental information disclosure and risk management, gradually reducing the carbon intensity of asset portfolios [8][23]. Group 3: Inclusive Finance - The work plan aims to enhance the inclusive financial system by utilizing monetary policy tools to support small and micro enterprises, particularly in rural areas [2][24]. - It emphasizes the importance of financial services for key employment groups and encourages banks to expand credit access for private enterprises [9][24]. - The plan also includes initiatives to improve financial services in the agricultural sector and support rural revitalization [10][25]. Group 4: Pension Finance - The plan outlines strategies to increase financial support for the elderly, including promoting the development of personal pension products and commercial insurance annuities [2][27]. - Financial institutions are encouraged to enhance their services in the elderly care sector and to provide tailored financial products for rural elderly populations [12][27]. Group 5: Digital Finance - The initiative calls for accelerating the digital transformation of financial institutions, enhancing digital infrastructure, and applying data-driven technologies to improve service quality [3][29]. - It aims to promote the use of digital currency and expects the transaction volume of digital RMB in Fujian to exceed 1 trillion yuan by the end of 2027 [3][29]. - The plan emphasizes the importance of data sharing and collaboration between government and financial institutions to better match financial supply with demand [3][29]. Group 6: Implementation and Support - The plan highlights the need for a coordinated local financial mechanism to ensure the effective implementation of the "Five Major Financial Articles" [3][30]. - It includes measures for policy support, risk management, and performance evaluation to enhance the effectiveness of financial institutions in executing the outlined strategies [3][30][31].

第一，进一步完善顶层制度设计。科技金融方面，构建同科技创新相适应的科技金融体制，加强对 国家重大科技任务和科技型中小企业的金融支持，完善长期资本投早、投小、投长期、投硬科技的支持 政策。绿色金融方面，发展绿色金融市场和碳市场，强化以信息披露为基础的市场约束机制，统筹对绿 色发展和低碳转型的支持。普惠金融方面，完善融资支持政策，加快建立对民营和中小微企业敢贷愿贷 能贷会贷长效机制，全面加强民营小微、乡村振兴、民生就业等领域金融服务。养老金融方面，加力服 务多层次、多支柱养老保险体系发展，强化银发经济融资支持。数字金融方面，加强金融机构数字化转 型和数字经济金融服务，完善数字金融治理。 第二，强化对金融机构的正向激励。科学设计、精准实施再贷款等结构性货币政策工具，研究建立 金融"五篇大文章"综合考核评价制度，加大专项金融债券发行，引导金融机构加大信贷资源投入和优化 信贷结构。加强金融政策与科技、产业、财政等政策协同，健全标准体系和信息共享、融资对接等支持 配套机制，优化金融"五篇大文章"领域贷款风险分担机制，发挥政府性融资担保体系增信分险作用。 新华社北京12月20日电 《中共中央关于制定国民经济和社会发展第十五 ...

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].

专题：第二十二届中国国际金融论坛 12月19日-20日，"第二十二届中国国际金融论坛"在上海举行，主题为：数字经济时代的智能金融生态 构建。中共上海市委金融委员会办公室副主任曹艳文出席并致辞。 曹艳文谈到，近年来，全球数字经济高速发展，金融与科技加速融合，推动金融业向数字金融、智能金 融转型升级。上海始终将金融科技中心建设放在突出位置，积极拥抱数字经济浪潮，以推进具有全球引 领性的金融科技中心为目标，连续推出并实施两轮系统性建设方案，并在金融科技前沿技术应用、优质 资源集聚、生态环境优化等方面取得了积极成效。 专题：第二十二届中国国际金融论坛 12月19日-20日，"第二十二届中国国际金融论坛"在上海举行，主题为：数字经济时代的智能金融生态 构建。中共上海市委金融委员会办公室副主任曹艳文出席并致辞。 曹艳文谈到，近年来，全球数字经济高速发展，金融与科技加速融合，推动金融业向数字金融、智能金 融转型升级。上海始终将金融科技中心建设放在突出位置，积极拥抱数字经济浪潮，以推进具有全球引 领性的金融科技中心为目标，连续推出并实施两轮系统性建设方案，并在金融科技前沿技术应用、优质 资源集聚、生态环境优化等方面取得了积极 ...

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]

他表示："不论从人工智能技术本身，还是从金融应用的场景以及金融在经济活动中的职能地位来看， 当前我国智能金融的发展基础已经具备。虽然当前人工智能仍然存在可解释性不足等技术缺陷和算法偏 见等问题，但这些都是发展中的问题，相信在'十五五'时期，智能金融必将成为数字金融发展的重要方 向。" 中经记者 郝亚娟 夏欣 上海、北京报道 12月19日—20日，"第二十二届中国国际金融论坛"在上海举行。 中国人民银行原副行长李东荣指出，我国人工智能技术已具备规模应用基础。一是政策支持力度不断加 大，二是人工智能相关投资快速增长，引起社会和各行业的普遍关注，三是人工智能应用产品创新不断 涌现，四是技术和应用的成本和门槛不断降低。同时，金融行业人工智能应用已取得显著进展。 关于智能金融发展，李东荣指出，一是高度重视智能金融应用中的信息安全问题。信息技术的应用总有 两面性，在提高效率的同时也必然带来新的风险。二是加快智能金融的生态构建。在他看来，金融的生 态建设本质就是金融要更好地服务于民，"国之所需、民心所盼，正是金融所往"。金融机构要不断夯实 数字化的基础，打破数据孤岛，不盲目追求"大而全"，而是通过开放、信任、合作，构建生态 ...

Core Insights - The financial technology industry is expected to undergo significant changes in 2026, coinciding with the update of the "Financial Technology Development Plan" [1] - The digital economy has rapidly developed from 2019 to 2025, transitioning financial technology from foundational support to a more substantial role [1] - Financial institutions are shifting their focus from "hard investment" to "soft power" in technology, emphasizing efficiency over scale [3][4] Financial Technology Development - The previous development plan emphasized principles such as digital-driven, intelligent for the public, green and low-carbon, and equitable finance, with eight key tasks outlined [1] - Financial institutions have established top-level designs for digital transformation, with flexible organizational structures and improved cloud infrastructure [1] - The integration of AI, blockchain, and privacy computing technologies is accelerating, enhancing the accessibility of financial services [1] Investment Trends - There is a noticeable slowdown in the growth rate of technology investments by financial institutions, particularly among major banks [2] - From 2020 to 2024, technology investment by 16 state-owned and joint-stock banks increased from 140.4 billion to 187.4 billion yuan, but the growth rate has significantly decreased [2] - Some banks have begun to reduce their technology investment amounts starting in 2023, with only one bank achieving double-digit growth in 2024 [2] Organizational Changes - Financial institutions are adjusting their organizational structures to optimize technology governance and deepen reform [6] - Initiatives include the establishment of digital financial committees and AI action groups to enhance decision-making and risk management [6][7] - The focus is on breaking down departmental barriers and fostering collaboration across different levels of governance [7] Technology Application - Financial institutions are pursuing both "frontier exploration" and "practical efficiency" in technology applications, with a shift towards using technology as a production factor [4] - AI applications are increasingly penetrating core business areas, with banks implementing AI in various operational scenarios [9] - The integration of internal and external data is enhancing customer profiling, risk management, and marketing strategies [8] Future Outlook - The "14th Five-Year Plan" emphasizes the importance of building a strong financial nation, with a focus on AI governance, cross-border data flow mechanisms, and sustainable finance [10][11][14] - The development of digital RMB and the establishment of financial technology centers in key cities like Shanghai and Hong Kong are strategic priorities [12][15] - The financial industry is expected to continue innovating in green finance and integrating environmental and social responsibilities into core business processes [14]

卅年砥砺，风云激荡。从扎根一隅、服务地方的"金融毛细血管"，到与国同梦、与城共进的"经济重要支 柱"，中国城市商业银行用三十载时光，完成了一场波澜壮阔的跨越与重塑。在此背景下，金融界重磅推 出"城商行三十年：跨越与重构"系列策划，系统梳理城商行蜕变为区域金融支柱的历程，剖析行业挑战与 未来航向。本文聚焦——日照银行。这家诞生于2000年的海滨城商行，历经二十余载深耕细作，已实现资 产规模突破3500亿元、跻身全国银行百强的跨越式成长，勾勒出"扎根本土不松懈、战略升级不止步"的发 展蓝图，其以"一基两翼"布局链接区域脉络、以数字金融赋能产业升级的实践，正是新时代城商行稳健致 远的鲜活样本。 前世今生：二十五载深耕，从本土到区域的跨越 官网显示，日照银行成立于2000年12月28日，前身为日照市商业银行，是一家由国有股份、企业法人股份 及自然人股份共同组成的具有独立法人资格的股份制商业银行。2004年实现本外币一体化经营，与50多个 国家和地区的500多家银行建立了代理行关系。 2006年该行引进南京银行为战略投资者，开创了国内城商行之间战略合作的先河。2009年更名为日照银 行，设立首家分行青岛分行。2010年 ...

Core Insights - The "Qianrong e-loan" is an innovative online financing product launched by Jinan Industrial and Commercial Bank, aimed at enhancing the operation and promotion of the "Qianrongtong" platform, marking a significant step in transforming government data into financial production factors [1][3] Group 1: Innovation in Financing - The core highlight of "Qianrong e-loan" lies in its dual breakthroughs in credit and product models, utilizing multi-dimensional government data such as social security, medical insurance, and housing fund as primary credit references, thus broadening the credit assessment dimensions and enhancing precision [2] - The project has effectively addressed the financing difficulties faced by small and micro enterprises by integrating local characteristics with the bank's models, creating a comprehensive and controllable government scenario financing model [2] Group 2: Benefits to Small and Micro Enterprises - "Qianrong e-loan" serves 1.14 million small and micro enterprises in Jinan, allowing them to apply online and receive system approvals autonomously, thus alleviating the information asymmetry between banks and enterprises [3] - Since its launch, "Qianrong e-loan" has granted credit to 6,247 enterprises totaling 3.812 billion yuan, with 2,814 enterprises withdrawing 1.912 billion yuan, effectively channeling financial resources into the real economy [3] Group 3: Data Security and Compliance - Jinan Industrial and Commercial Bank has established a deep collaboration with the "Qianrongtong" platform to ensure data security, including signing agreements to clarify legal responsibilities and building dedicated business transmission lines [4] - Advanced technologies such as blockchain encryption, "trusted space," and "data sandbox" are employed to ensure the secure and compliant use of authorized data, while the product strictly adheres to legal and regulatory requirements [4] - The bank aims to further extend the existing model to agricultural industries and innovative enterprises, contributing to the digital transformation of inclusive finance [4]