多位中资互金从业者告诉「一只互金鹅」，最近一年，越来越多的中资企业涌向孟加拉国。 "与其和很多大机构（比如国内一些余额数百亿的助贷平台）在墨西哥"内卷"，不如找一些小国家试水。"部分专注于海外的小型中资互金企业如今已不愿 投入更多在墨西哥市场，反而转向寻找孟加拉这样的潜力国家。 据了解，另一家在海外多国都处于头部梯队的中资现金贷公司最近也在调研这个南亚国家。 孟加拉国究竟是否适合中资互金前往？「一只互金鹅」也做了一些简单的调研： "在孟加拉放贷半年，已经开始盈利。" "人口过亿，贫富差距大，我认为就有潜力。"另一位在海外贷款行业多年的从业者向「一只互金鹅」发出感慨——孟加拉国确实是一个值得去的方向。 01 欢迎中资投资孟加拉 提起孟加拉国，很多金融从业者难免会想起一位经济学家——穆罕默德·尤努斯。 这位有着"穷人的银行家"之称的孟加拉乡村银行（GrameenBank，也译作格莱珉银行）的创始人，还曾在2006年获得诺贝尔和平奖。 神奇的是—— 有必要再简单提一下尤努斯的格莱珉银行模式： 1974年，尤努斯在孟加拉国吉大港乔布拉村的小额信贷实验。为特殊群体尤其是妇女提供小额信贷服务。 格莱珉银行区别于传统银行， ...

Core Viewpoint - Citigroup plans to allocate several hundred million dollars more than the previous quarter to address potential loan losses, indicating that major U.S. banks may be preparing for worsening economic conditions [1] Group 1: Financial Provisions - The increase in provisions is driven by credit loss costs and macroeconomic factors [1] - The bank's head of banking, Vis Raghavan, stated that the expected increase in provisions will be several hundred million dollars compared to the previous quarter [1] - The amount allocated for credit reserves may fluctuate frequently based on the company's outlook [1]

按地区来看，西部地区发放94份担保，金额34亿图格里克（685.48万元人民 币）；杭盖地区551份，208亿图格里克（4193.55万元人民币）；中部地区95 份，40亿图格里克（806.45万元人民币）；东部地区94份，47亿图格里克 （947.58万元人民币）。在所有担保中，批发零售业占1.9%，加工业占4.8%， 信息通信业占0.7%，新合作社和住房贷款担保占比达92.6%。 从合作银行占比看，可汗银行提供担保贷款占54.8%、国家银行占32.8%、 Capitron银行占7%，其余由贸易发展银行、郭勒穆特银行和ARIG银行提供。 贷款对象中，90.5%为个人、9.5%为企业，其中企业担保主要投向加工业13亿 图格里克（262.09万元人民币）、批发零售业5亿图格里克（100.81万元人民 币）及信息通信业5亿图格里克（100.81万元人民币）。个人担保则集中于新 合作社266亿图格里克（5362.90万元人民币）和住房贷款64亿图格里克 （1290.32万元人民币）。基金资产效率为4.7%，同比提升3个百分点。不良担 保比率降至1.3%，余额为60亿图格里克（1209.68万元人民币）。 蒙古政府官 ...

Group 1 - The core viewpoint of the article emphasizes the importance of loans for enterprises in Changsha, highlighting the city's economic growth and the increasing demand for financing among businesses [1][9] - Changsha has over 100,000 small and medium-sized enterprises (SMEs) that play a crucial role in local economic development and job creation, yet many face financing difficulties due to limited funding channels [2][9] - The local government has implemented various policies to encourage banks and financial institutions to actively meet the financing needs of enterprises, leading to a more vibrant financial market [2][4] Group 2 - The main types of loans available for enterprises in Changsha include bank loans, government-guaranteed loans, supply chain finance, internet finance, and leasing finance, each with its own characteristics and suitability for different business needs [4][5] - Bank loans are the most common, offering lower interest rates and longer terms, but require strong financial health and credit history from the borrowing enterprises [4] - Government-guaranteed loans are designed to reduce financing risks for SMEs, providing larger amounts, lower interest rates, and faster approval processes [4] Group 3 - The general application process for enterprise loans in Changsha involves preparing necessary documents, consulting with banks, submitting applications, undergoing material review, loan approval, signing contracts, and finally disbursement and repayment [5] - Key documents required for loan applications include audit reports, financial statements, business licenses, tax registration certificates, and identification of legal representatives [5] Group 4 - Enterprises should maintain a good credit record, plan loan usage wisely, choose suitable loan products, stay informed about policy changes and market trends, and implement risk control measures to ensure successful loan acquisition [7][8]

Core Insights - Hubei Province has launched a commercial value credit loan policy for small and medium-sized enterprises (SMEs) to address financing difficulties, with significant participation from banks and a total of 105,750 enterprises registered on the platform as of June 4 [1][3] Group 1: Policy Implementation - The commercial value credit loan policy aims to provide pure credit loans to SMEs by evaluating their operational foundation, capabilities, social value, and innovation ability [2] - A unified risk compensation fund has been established to support the implementation of the credit loan policy, with an initial scale of 1 billion yuan, jointly funded by provincial and municipal governments [3] Group 2: Financial Data - As of June 4, 15 banks have completed 1,745 loan disbursements totaling 4.12 billion yuan, with 1,686 enterprises receiving credit approvals amounting to nearly 5 billion yuan [3] - The credit evaluation system categorizes enterprises into four levels (A, B, C, D), with corresponding credit limits ranging from 1 million yuan to 10 million yuan [2] Group 3: Broader Support Measures - Hubei Province has introduced multiple initiatives to support SME development, including plans to establish 30 national-level SME characteristic industrial clusters by 2027 [4] - Additional measures include increasing the issuance of inclusive loans to small and micro enterprises, aiming for a loan balance exceeding 3 trillion yuan by the end of 2027 [4]

阿根廷央行：将与国际银行推出高达20亿美元的回购贷款。 ...

记者9日从北京市发改委了解到，该委印发《关于开展重点领域设备购置与更新改造贷款贴息的实施方 案》(京发改规〔北2025〕2号)，在保持原政策贴息率、贴息期等事项基本稳定基础上，结合设备购置 灵活性高、变化较快等特点，更加注重即申即享、简化办理环节，切实提升企业获得感。 北京市发改委有关负责人表示，设备购置与更新改造能够带动传统产业更新改造升级，引导战略性新兴 产业、未来产业加快发展，设备购置已成为投资增长的重要动力。 此次实施的政策适用范围为符合相关投向领域、已签订贷款合同和设备采购合同、可形成固定资产投资 的设备购置与更新改造项目。项目可为单独设备购置，也可为固定资产投资项目中设备购置的部分，原 则上设备采购金额应达到人民币500万元及以上。为便于广大企业按需申报，不再设集中征集环节，企 业可随时进行申报，同时明确政策有效期至2027年12月31日。 在支持方式上，政策发挥政府投资引导带动作用，积极为社会投资项目降低融资成本，对符合条件的项 目给予最高不超过2.5个百分点的贴息，贷款实际利率低于2.5%的按照贴息率不超过贷款实际利率安 排。贴息期限2年。按商业银行中长期贷款利率(5年期以上LPR)为3.5% ...

6月9日，北京商报记者从北京市发展改革委获悉，近日，市发展改革委印发了《关于开展重点领域设备购置与更新改造贷款贴息的实施方案》 （以下简称《实施方案》），在保持原政策贴息率、贴息期等事项基本稳定基础上，结合设备购置灵活性高、变化较快等特点，更加注重即申即 享、简化办理环节，切实提升企业获得感。 据介绍，对于符合条件的项目，各项目单位向项目所在地区发展改革部门（涉及跨区的原则上向项目单位注册地区发展改革部门）报送申报材 料。项目符合政策要求且资料齐备的，区级发展改革部门报送至市发展改革委。市发展改革委按规定批复项目贷款贴息资金申请报告并下达资 金。 "设备购置与更新改造能够带动传统产业更新改造升级，引导战略性新兴产业、未来产业加快发展，设备购置已成为投资增长的重要动力。"北京 市发展改革委相关负责人说。 北京市统计局发布的数据显示，今年1—4月，全市固定资产投资（不含农户）同比增长21.2%。其中，反映企业扩大生产能力的设备购置投资增 长1.1倍。实际上，近年来，北京市在重点领域设备购置与更新改造贷款贴息上不断投入。北京市社会科学院副研究员王鹏对北京商报记者表示， 这反映出北京市重视产业升级创新，通过政策引导企 ...

Core Insights - Japan's bank loans (excluding trusts) in May increased by 2.6% year-on-year, maintaining the same growth rate as the previous month [1] Group 1 - The year-on-year growth rate of bank loans in Japan for May is 2.6%, consistent with the prior value [1]

Core Insights - Japan's bank loans (including trusts) in May increased by 2.4% year-on-year, maintaining the same growth rate as the previous value of 2.4% [1] Group 1 - The year-on-year growth rate of bank loans in Japan indicates stable lending conditions in the financial sector [1] - The consistent growth rate suggests that banks are maintaining their lending practices despite economic fluctuations [1] - This data may reflect the overall health of the Japanese economy and consumer confidence in borrowing [1]