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 ...

Core Viewpoint - China Bank is actively enhancing its financial support for small and micro enterprises, recognizing their crucial role in economic development and job creation, through various innovative financing mechanisms and tailored products [1][5][11]. Group 1: Financial Support for Small and Micro Enterprises - China Bank has established a "Support Small and Micro Enterprises Financing Coordination Work Mechanism" to better serve small businesses, organizing activities like "Thousand Enterprises and Ten Thousand Households Visits" to understand their financing needs [1][8]. - As of March 2023, the balance of inclusive loans from China Bank reached 2.53 trillion yuan, with an increase of 248.65 billion yuan in the year, reflecting a strong commitment to supporting small enterprises [1][4]. - The bank has developed customized financing solutions, such as the "Crab Association Loan" in Suzhou and "Huinong Tongbao" in Guangdong, to address specific industry needs and enhance financial accessibility for farmers and small businesses [2][3][5]. Group 2: Rural and Agricultural Financing - China Bank is focusing on rural revitalization by providing tailored financial services to agricultural producers, with a significant increase in agricultural loans, reaching 27.63 trillion yuan by March 2023, a growth of 10.49% [4][6]. - The bank has introduced various agricultural financing products, including "Grain Purchase Loans" and "Agricultural Production Management Loans," to support farmers during critical periods like harvest season [4][6]. - The bank's efforts in rural financing are aligned with national goals for food security and agricultural development, contributing to the overall economic growth [3][4]. Group 3: Innovation in Financial Products - China Bank is leveraging financial innovation to create diverse financing products that cater to the unique needs of different industries, ensuring a comprehensive support system for modern industrial development [6][11]. - The bank has implemented a green approval channel to enhance loan approval efficiency, allowing for quicker access to funds for small enterprises facing immediate financial challenges [6][7]. - Collaborative initiatives, such as partnerships with local tax authorities and industry associations, have been established to facilitate financing for small and micro enterprises, demonstrating a proactive approach to addressing funding gaps [5][11]. Group 4: Support for Foreign Trade Enterprises - China Bank plays a pivotal role in supporting small foreign trade enterprises by optimizing financial services and creating innovative products tailored to their needs [9][11]. - The bank has introduced specific financing solutions like "Yi Pay Credit Loan" to assist cross-border e-commerce businesses in securing necessary funds for operations [10][12]. - Through initiatives like the "Belt and Road" project, China Bank is enhancing its global service capabilities, facilitating connections for small enterprises to expand their markets internationally [12].

聚焦政策引领 打造金融服务新格局 党的二十大报告明确指出，"坚持把发展经济的着力点放在实体经济上"。扬州中行紧跟国家战略导向， 制定专项金融服务方案，重点支持制造业、绿色产业、乡村振兴等关键领域。截至2025年一季度末，该 行制造业贷款余额达177亿元，本年度新增22亿元；绿色信贷规模突破180亿元，惠及环保科技、清洁能 源等众多企业。 在政策落实上，扬州中行成立"实体经济服务专班"，建立"一企一策"对接机制，针对地方主导产业中的 龙头企业、专精特新"小巨人"企业，提供定制化融资方案。例如，为某国家级高新技术企业量身打 造"科技贷+知识产权质押"组合产品，成功解决其研发资金缺口，助力企业实现技术突破，产品远销海 外市场。 近年来，中国银行扬州分行（下称"扬州中行"）作为扎根地方的国有金融机构，始终坚守服务实体经济 的初心使命，积极响应国家稳经济、促发展的政策号召，以金融活水精准浇灌实体经济沃土。通过创新 金融产品、优化服务模式、深化普惠金融，助力地方产业升级、企业成长和民生改善，为区域经济高质 量发展注入强劲动能。 小微企业是实体经济的"毛细血管"，更是稳就业、保民生的主力军。面对经济下行压力，扬州中行主动 ...

支持"玉商回归"企业。该行贯彻落实玉林市委、市政府"玉商回归"工作部署，通过创新金融产品、优化 金融服务、加强政银企合作等多方面举措，为"玉商回归"提供了强有力的资金和服务保障。及时受 理"玉商回归"项目融资需求企业清单，根据清单派出营销团队深入工业园区、厂区、专业市场等场所进 行走访，挖掘各类客户需求潜力，及时将符合条件的企业纳入"推荐清单"，用好线上线下各类产品优 势，大力提供"普惠+"一揽子金融服务。今年以来，为"玉商回归"小微企业发放贷款超5000万元，有效 缓解企业融资难、融资慢、融资贵难题，获得企业的高度认可。 加强"三农"服务保障。该行认真落实国家关于建设农业强国的各项工作部署，加大在"三农"领域的信贷 支持，根据玉林市农产品经济发达特点，积极探索农村金融服务新模式，推出"兴农e贷""种植e贷""养 殖e贷"等小微信贷创新产品，拓展县域特色产业集群、中小微企业、合作社、农户等涉农群体，为符合 条件的涉农经营主体提供线上经营快贷支持，切实助力农业农村经济发展。截至2025年5月末，该行涉 农贷款余额总量近65亿元，比年初增加5.96亿元，有效支持当地农户沙田柚种植、生猪养殖、中药材和 香料销售等特 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) is enhancing its support for small and micro enterprises (SMEs) in Houp County by implementing a three-pronged approach: government-bank collaboration, service upgrades, and risk management [1][2]. Group 1: Government-Bank Collaboration - ICBC Houp County branch has established a "policy linkage + demand direct access" mechanism to address financing bottlenecks for SMEs [1]. - The branch has formed a special service team to participate in government-organized enterprise matching events and industry seminars, allowing for a dynamic understanding of the operational challenges faced by businesses [1]. - Innovative loan products such as "Manufacturing e-loan," "Planting e-loan," "Breeding e-loan," and "Business Quick Loan" have been introduced to cater to the specific needs of technology-driven and agricultural SMEs, simplifying collateral requirements and expanding inclusive coverage [1]. Group 2: Service Upgrades - The bank has optimized its business processes to create a "one-stop" service system, including a green approval channel for SME loans with a "time-limited completion system" to shorten loan disbursement periods [2]. - A professional customer manager team has been established to provide "one-on-one" comprehensive advisory services, ensuring precise alignment with preferential policies [2]. - The ICBC mobile banking platform has been utilized to facilitate online loan applications and progress tracking, reducing the need for businesses to visit multiple locations and enhancing loan efficiency [2]. Group 3: Risk Management - A "pre-loan screening + post-loan tracking" risk control loop has been established to strengthen post-loan management and early warning systems [2]. - The bank employs big data analysis to predict operational risks for enterprises and dynamically adjust credit strategies [2]. - A responsibility system for post-loan management has been implemented, with regular follow-ups to continuously improve the quality of loan assets [2]. Group 4: Future Plans - ICBC Houp County branch plans to further deepen its inclusive financial services, focusing on supporting small and micro enterprises in rural revitalization and green industries to inject stronger financial momentum into the high-quality development of the county's economy [2].

正如Deepseek以其真正互联的开源精神瓦解了地域、文化和技术的壁垒，当"中国年"成为"世界年"，拍 卡能买千年非遗，人人都能像哪吒一样飞跃支付体验里的"结界"，让包括跨境消费在内的支付行为变成 丝滑日常，支付便利化成为提振消费新型编码。 2025年，在消费焕新的超级周期中，当消费者通过云闪付核销完成各类家电"以旧换新"，当政府消费券 通过银联系统秒速触达祖国大江南北的家电卖场，当老年人刷着云闪付关爱版界面领取"以旧换新"补贴 时，中国银联作为国家金融基础设施的重要力量，正以"支付为民"的初心，编织着一张覆盖城乡、跨越 代际、链接全球的普惠之网。这不仅是消费升级的技术叙事，更是中国金融"五篇大文章"落地的鲜活注 脚。 稳字当头 银联架桥畅通"以旧换新"全链路 政策通衢，惠民补贴精准滴灌，让消费者畅享政策红利、放心消费。2025年，"以旧换新"活动的推进， 带动循环经济激励政策动态衔接，有效激活了消费市场内生增长动能，加速了制造业高端化、智能化、 绿色化转型进程，切实增强了民生福祉的获得感与幸福感。"产业焕新+消费升级"协同政策组合拳精准 发力，五一劳动节前夕，商务部召开的消费品"以旧换新"专题新闻发布会上披 ...

Core Viewpoint - Tianjin Bank's promotional activities in Jinan's Huanlian Night Market have successfully stimulated consumer spending, showcasing the bank's commitment to supporting local economic growth and enhancing customer engagement through financial services [1][5]. Group 1: Promotional Activities - Tianjin Bank launched the "'Five' Color Dragon Boat Festival · 'Six' Arts Playful Childhood" event in Jinan's Huanlian Night Market, distributing consumption vouchers worth 15 yuan with a discount of 6.1 yuan, applicable to over 80% of the market's merchants [1]. - The event attracted nearly 1,500 customer inquiries and distributed approximately 1,300 vouchers on its first day, leading to 19,700 transactions through the "Smart Merchant Pass" system [1]. Group 2: Financial Services and Impact - Since the introduction of the "Smart Merchant Pass," Tianjin Bank has gained significant traction in the Jinan market, providing comprehensive financial services to small and micro enterprises, as well as individual businesses [3]. - As of the end of April, over 200,000 merchants in Shandong Province have adopted the "Smart Merchant Pass," with total transaction counts exceeding 847 million and transaction amounts surpassing 733 billion yuan [3]. Group 3: Commitment to Local Economy - In response to the government's call to boost domestic demand and consumption, Tianjin Bank has actively organized events in popular local shopping areas, enhancing foot traffic and sales for merchants [5]. - The bank's 15th anniversary on May 28 highlights its ongoing dedication to serving the real economy and local citizens, emphasizing its role in promoting inclusive finance [5].

在"双碳"目标的深远影响和消费提振政策的强劲驱动下，2025年的湖南省家电与数码产品市场迎来了前 所未有的发展机遇。据统计，湖南省家电、数码产品的存量市场规模已突破1200亿元大关，其中，超过 5年使用年限的家电占比高达47%，而数码产品的换代需求更是以年均23%的速度迅猛增长。在这一背 景下，邮储银行湖南省分行积极响应政府号召，携手省商务厅与银联湖南分公司，共同启动了"绿色焕 新·普惠万家"行动，旨在通过超8000万元的专项补贴资金，为湖南省的消费市场注入一股强劲的绿色动 能。 焕新行动，点燃湖南消费新热潮 此次"绿色焕新·普惠万家"行动，是邮储银行湖南省分行在深入贯彻国家绿色发展理念、积极践行社会 责任方面的又一重要举措。活动覆盖了湖南省全省14个地市及122个县域，预计惠及超过50万个家庭， 直接拉动消费超过30亿元，为湖南打造中部消费升级示范区贡献了重要力量。 "用了十多年的老冰箱不仅耗电大，制冷效果也差，一直想换台新的。没想到这次赶上邮储的活动，旧 冰箱抵扣加上政府补贴，相当于省了3000多块，还能分期免息，真是划算！"家住长沙岳麓区的家庭主 妇刘女士指着家中新换的节能冰箱，满脸喜悦。 刘女士的经历 ...

在深化科创金融改革、强化科技人才金融支撑的政策导向下，2024年末，上海市将科技企业员工持股贷 款试点从临港新片区、张江等区域全面拓展至全市。这一政策调整为金融机构带来了新的业务机遇。厦 门国际银行上海分行精准把握政策机遇，积极筹备并成功落地全行首笔科技企业员工持股贷款，为金融 与科技深度融合提供了新范例，同时也为后续业务拓展积累了宝贵经验。 据介绍，自试点机制推出后，厦门国际银行上海分行迅速行动，在监管部门的指导下，仅用不到三个月 时间便高效完成了制度设计、风险管控体系搭建及系统部署。今年3月28日，该行成为首批获监管备案 的金融机构，为业务顺利开展筑牢根基。 结合产业金融需求，厦门国际银行上海分行随即将目光投向优质科创企业。某绿色燃料技术公司凭借获 国家绿色发展基金与上海国有资本联合投资、拥有12项核心技术专利且契合国家绿色产业发展导向等优 势，成为重点服务对象。厦门国际银行上海分行基于对企业综合评估，为其核心管理层提供员工持股贷 款支持，成功落地厦门国际银行首笔科技企业员工持股贷款。 厦门国际银行相关负责人表示，此业务丰富了银行服务上海科技企业的手段，也充分展现了产品创新成 果。展望未来，厦门国际银行将 ...