（来源：工人日报） 本报北京1月15日电 （记者姜雨晴）下调各类结构性货币政策工具利率，下调商业用房购房贷款最低首 付比例，新增万亿民营企业再贷款，强化对科技、绿色、养老等领域的支持……记者从今天国新办举行 的新闻发布会上获悉，为支持实体经济高质量发展，中国人民银行宣布将推出系列政策，提高银行重点 领域信贷投放的积极性，加大结构性货币政策工具支持力度，进一步助力经济结构转型优化。 中国人民银行决定，自2026年1月19日起，下调再贷款、再贴现利率0.25个百分点。下调后，3个月、6 个月和1年期支农支小再贷款利率分别为0.95%、1.15%和1.25%，再贴现利率为1.5%，抵押补充贷款利 率为1.75%，专项结构性货币政策工具利率为1.25%。 为加大对中小微企业的金融支持力度，中国人民银行决定增加支农支小再贷款额度5000亿元，将支农支 小再贷款额度与再贴现额度打通使用。在支农支小再贷款项下设立民营企业再贷款，额度1万亿元。 为优化"两新"政策实施，进一步做好科技金融大文章，中国人民银行决定增加科技创新和技术改造再贷 款额度4000亿元，增加后总额度为1.2万亿元，并适当拓展政策支持领域。 为推动经济社会 ...

Core Viewpoint - The company aims to play a pivotal role in the realization of China's financial power strategy by enhancing its investment banking capabilities and supporting the real economy through innovative financial services and resource allocation. Group 1: Service to the Real Economy - The company is committed to supporting technological innovation by integrating into the national innovation-driven development strategy, enhancing capital flow to tech sectors, and providing tailored services for high-quality development of tech enterprises [1][2]. - In 2025, the company led equity underwriting in the STAR Market, Growth Enterprise Market, and Beijing Stock Exchange with a total of 55.1 billion yuan, maintaining industry leadership [2]. - The company has actively facilitated mergers and acquisitions in the tech sector, exemplified by its support for significant asset restructuring and financing for companies like AVIC Chengfei [3]. Group 2: Green and Low-Carbon Transition - The company has implemented the "dual carbon" strategy, establishing a green service ecosystem and supporting energy structure transformation with a green bond underwriting scale of 77.6 billion yuan in 2025, leading the industry [4]. - It assisted in the issuance of the first offshore green bond by a central enterprise, raising 6 billion yuan for sustainable financing [4]. - The company has supported significant transactions in the renewable energy sector, including the privatization of environmental companies and the IPO of leading photovoltaic manufacturers [4]. Group 3: Inclusive Finance and Pension Finance - The company has innovated inclusive finance services to support rural revitalization and the pension industry, with a total underwriting scale of 19.3 billion yuan for rural revitalization bonds in 2025 [5]. - It facilitated the issuance of the first pension-themed corporate bond in China, raising funds for various elder care projects [5]. Group 4: Direct Financing Services - The company has strengthened its domestic and offshore equity financing services, achieving an A-share underwriting scale of 272.1 billion yuan in 2025, with a market share of 24.5% [6]. - In the Hong Kong market, it sponsored 33 IPOs, accounting for 28.4% of the market, including significant IPOs for major companies [7]. Group 5: Bond Market Leadership - The company achieved a record bond underwriting scale of 2.2 trillion yuan in the domestic market in 2025, with a market share of 6.9% [8]. - It led offshore bond underwriting with a scale of 5.3 billion USD, supporting major companies in their international financing efforts [8]. Group 6: Capital Market Oversight - The company has maintained high standards in risk management and compliance, achieving an A-class rating in all major business evaluations for four consecutive years [9]. Group 7: Innovation in Financial Services - The company has actively participated in capital market reforms and product innovations, supporting the listing of several tech companies under new regulatory frameworks [10]. - It has been a leader in the REITs market, participating in 29 public REITs with a total issuance scale of 68.9 billion yuan [11]. Group 8: Internationalization Efforts - The company has enhanced its international service capabilities, supporting Chinese enterprises in their global expansion and participating in significant IPOs across various countries [14][15]. - It has facilitated the issuance of offshore RMB bonds, contributing to the internationalization of the RMB [18].

转自：证券时报 人民财讯1月15日电，1月15日，中国银行董事长葛海蛟在中国银行总行大厦会见加中贸易理事会董事会 主席奥利维耶·克雷蒂安·德马雷一行，围绕支持两国企业双向投资、深化中加经贸金融交流、推动绿色 金融合作、拓展人民币国际使用等话题深入交流。双方一致认为，中加经济互补性强、合作潜力巨大。 双方将以此次会见为契机，进一步加强多领域务实合作，持续服务两国企业交流，共享市场发展机遇， 为深化中加经贸关系注入新动力。 ...

Core Viewpoint - The meeting between Shanxi provincial leaders and the chairman of Bank of China emphasizes the importance of enhancing financial services to support the province's economic transformation and modernization efforts [1] Group 1: Government and Bank Collaboration - Shanxi provincial leaders expressed the desire to strengthen planning and work coordination with Bank of China, focusing on areas such as transformation finance, green finance, technology finance, industrial funds, and cross-border finance [1] - The collaboration aims to deepen government-bank-enterprise synergy to improve financial services for the real economy, achieving mutual benefits and development [1] Group 2: Bank's Commitment - Bank of China highlighted its solid foundation of cooperation with Shanxi and its intention to leverage comprehensive financial advantages to meet the province's development needs [1] - The bank plans to increase credit investment and innovate financial products and service models to provide stronger financial support for Shanxi's high-quality development and modernization [1]

1月15日，中国人民银行发布多项金融政策，支持实体经济高质量发展。 中国人民银行决定下调再贷款、再贴现利率 为更好发挥结构性货币政策工具的激励作用，引导金融机构加大对重大战略、重点领域和薄弱环节的支持力度，中国人民银行决定：自2026年1月19日 起，下调再贷款、再贴现利率0.25个百分点。下调后，3个月、6个月和1年期支农支小再贷款利率分别为0.95%、1.15%和1.25%，再贴现利率为1.5%，抵 押补充贷款利率为1.75%，专项结构性货币政策工具利率为1.25%。 为推动经济社会发展全面绿色转型，进一步做好绿色金融大文章，中国人民银行决定将节能改造、绿色升级、能源绿色低碳转型等具有直接碳减排效应的 项目纳入碳减排支持工具支持领域。碳减排支持工具按季操作，每次操作提供1年期再贷款资金，全年操作量不超过8000亿元。中国人民银行根据货币政 策调控需要确定季度操作量，依据金融机构向支持领域发放的贷款情况以及再贷款需求，按照政策规定提供再贷款资金支持。 来源： 中国人民银行 关注" 新华网财经 "视频号 中国人民银行增加支农支小再贷款额度、设立民营企业再贷款 加大对中小微企业的金融支持力度 为贯彻落实党中央、 ...

1月15日，中国人民银行发布多项金融政策，支持实体经济高质量发展。 中国人民银行决定下调再贷款、再贴现利率 为更好发挥结构性货币政策工具的激励作用，引导金融机构加大对重大战略、重点领域和薄弱环节的支 持力度，中国人民银行决定：自2026年1月19日起，下调再贷款、再贴现利率0.25个百分点。下调后，3 个月、6个月和1年期支农支小再贷款利率分别为0.95%、1.15%和1.25%，再贴现利率为1.5%，抵押补充 贷款利率为1.75%，专项结构性货币政策工具利率为1.25%。 中国人民银行增加支农支小再贷款额度、设立民营企业再贷款加大对中小微企业的金融支持力度 为贯彻落实党中央、国务院决策部署，加大对中小微企业的金融支持力度，中国人民银行决定增加支农 支小再贷款额度5000亿元，将支农支小再贷款额度与再贴现额度打通使用。在支农支小再贷款项下设立 民营企业再贷款，额度1万亿元，引导地方法人金融机构进一步聚焦重点，加力支持民营中小微企业。 民营企业再贷款的期限、利率、发放方式等与现行支农支小再贷款一致。 中国人民银行增加科技创新和技术改造再贷款额度4000亿元支持"两新"政策优化实施 为贯彻落实党中央、国务院决策部 ...

Core Viewpoint - The 18th Golden Unicorn Forum emphasizes the role of finance in supporting high-quality economic development during the "14th Five-Year Plan" and outlines the strategic focus areas for the "15th Five-Year Plan" [1][10]. Group 1: Company Overview - Bohai Bank, established in December 2005 in Tianjin, is the only national joint-stock commercial bank founded with foreign investment participation since the revision of the Commercial Banking Law in 2003 [3][12]. - As of June 2025, the total assets of Bohai Bank reached 1.82 trillion yuan, with a network covering 25 provinces, municipalities, and special administrative regions in China [3][12]. Group 2: Financial Performance - During the "14th Five-Year Plan" period, Bohai Bank achieved a successful conclusion with both revenue and profit growth [3][12]. - The bank's international ratings have remained stable and positive, reflecting its solid performance amid challenging macroeconomic conditions [3][12]. Group 3: Strategic Focus Areas - The bank's core strategies for the "15th Five-Year Plan" include advancing technology finance, green finance, inclusive finance, pension finance, and digital finance [4][13]. - In technology finance, Bohai Bank aims to support the entire lifecycle of technology enterprises, focusing on key innovation regions such as Beijing-Tianjin-Hebei, the Yangtze River Delta, and the Guangdong-Hong Kong-Macau Greater Bay Area [4][13][14]. Group 4: Green Finance Initiatives - As of December 2025, the balance of green loans reached 59.335 billion yuan, an increase of 15.95 billion yuan, with a growth rate of 36.77% [6][15]. - The bank successfully issued 5 billion yuan in green financial bonds with a low coupon rate of 1.89%, directing all funds to green low-carbon projects [6][15]. Group 5: Inclusive Finance Efforts - Bohai Bank focuses on addressing financing challenges for small and micro enterprises through supply chain finance, achieving significant efficiency in service delivery [7][15][16]. - The bank's efforts have resulted in a high customer acquisition ratio, with a 1:10 ratio of core enterprises to chain enterprises, and over 90% of new inclusive customers being driven by core enterprises [7][16]. Group 6: Pension Finance Development - The bank is actively building a pension finance ecosystem, offering dedicated savings, investment, and insurance products tailored for the elderly [8][16]. - Bohai Bank has issued the first batch of pension-themed bonds in the country, with funds allocated for health and elderly care projects [8][16]. Group 7: Digital Finance Advancements - The bank has made significant strides in digital finance, launching a new comprehensive fund management system and a data lake warehouse system [8][17]. - Bohai Bank's innovative risk control report project has been recognized at the national level, utilizing AI and machine learning for enhanced risk assessment [8][17]. Group 8: Overall Business Growth - The bank has achieved a historic breakthrough in bond underwriting, surpassing 200 billion yuan in bond financing tools for the first time, marking a 32% year-on-year increase [8][17]. - This growth reflects the bank's commitment to accurately allocate financial resources to key sectors such as technology innovation, green low-carbon initiatives, and small and micro enterprises [8][17].

为贯彻落实党中央、国务院决策部署，优化"两新"政策实施，进一步做好科技金融大文章，中国人民银 行决定增加科技创新和技术改造再贷款额度4000亿元。增加后，科技创新和技术改造再贷款总额度为 1.2万亿元。适当拓展政策支持领域，自2026年起，将研发投入水平较高的民营中小企业纳入科技创新 和技术改造再贷款政策支持领域。 1月15日，中国人民银行发布多项金融政策，支持实体经济高质量发展。 中国人民银行决定下调再贷款、再贴现利率 中国人民银行将单设1万亿元民营企业再贷款 为更好发挥结构性货币政策工具的激励作用，引导金融机构加大对重大战略、重点领域和薄弱环节的支 持力度，中国人民银行决定：自2026年1月19日起，下调再贷款、再贴现利率0.25个百分点。下调后，3 个月、6个月和1年期支农支小再贷款利率分别为0.95%、1.15%和1.25%，再贴现利率为1.5%，抵押补充 贷款利率为1.75%，专项结构性货币政策工具利率为1.25%。 为贯彻落实党中央、国务院决策部署，加大对中小微企业的金融支持力度，中国人民银行决定增加支农 支小再贷款额度5000亿元，将支农支小再贷款额度与再贴现额度打通使用。在支农支小再贷款项下设 ...

Core Viewpoint - The Central Financial Work Conference emphasizes the importance of focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, to provide robust financial support for the development of the real economy [1] Technology Finance - Shangrao Bank has established a collaborative system for technology finance, implementing a comprehensive action plan led by the bank president, which includes preferential interest rates and increased tolerance for non-performing loans for small tech enterprises [2] - The bank has injected over 2.5 billion yuan into key industries and digital transformation projects in Jiangxi Province, facilitating efficient financing solutions for innovation [2] Green Finance - Shangrao Bank has created a three-tiered system for green finance, focusing on strategic decision-making and professional execution, and has introduced policies to prioritize green projects [3][4] - The bank has provided over 3 billion yuan in loans for green projects, including support for clean energy and agricultural transformation, contributing to significant carbon reduction [5] Inclusive Finance - The bank has developed various agricultural loan products to address the financing difficulties faced by farmers, with an outstanding agricultural loan balance exceeding 25 billion yuan [6] - Shangrao Bank has implemented a one-stop service system for small and micro enterprises, with an inclusive loan balance surpassing 35 billion yuan, enhancing the financial ecosystem for small businesses [6] Pension Finance - The bank has tailored its services for the elderly, including physical facilities and online adaptations to assist seniors in accessing financial services [7] - Shangrao Bank has collaborated with local authorities to create financial products linked to elder care facilities, ensuring better service for the aging population [7] Digital Finance - The bank has launched a WeChat mini-program to enhance user experience and has successfully issued the first data asset pledge loan in Jiangxi Province, marking a significant step in financializing data [8] - Collaborations with legal and academic institutions aim to establish standards for data asset financing, addressing legal challenges in the digital finance sector [8] Conclusion - Shangrao Bank's initiatives reflect a deep integration of national policies with local characteristics, aiming to enhance financial services and support regional economic development [9]

Group 1 - The People's Bank of China (PBOC) has implemented multiple financial policies to support high-quality development of the real economy [1] - The PBOC has decided to lower the re-lending and re-discount rates by 0.25 percentage points, effective January 19, 2026, with new rates set at 0.95%, 1.15%, and 1.25% for 3-month, 6-month, and 1-year agricultural and small business re-lending respectively [2] - The PBOC has increased the re-lending quota for agricultural and small business support by 500 billion yuan and established a 1 trillion yuan re-lending for private enterprises to enhance financial support for small and micro enterprises [2] - An additional 400 billion yuan has been allocated to the re-lending quota for technological innovation and transformation, bringing the total to 1.2 trillion yuan, with a focus on high R&D investment private small and medium enterprises [2] Group 2 - The PBOC has expanded the carbon reduction support tool to include projects with direct carbon reduction effects, such as energy-saving renovations and green upgrades [3] - The carbon reduction support tool will operate quarterly, providing 1-year re-lending funds with an annual operation limit of 800 billion yuan [3] - The PBOC will determine quarterly operation volumes based on monetary policy needs and the loan issuance situation by financial institutions [3]