PATI - TH TERNIL & 顺德农商银行 浮区危险 基 顺德农商银行东莞常平支行开业典礼 lo 德 尺 图 n B & 顺德农商银行 顺德农商银行番禺支行 币头奥礼 顺德农商银行 器 高 方 / 12月15日，顺德农商银行番禺支行、东莞常平支行、南海高新支行、新会支行四家"村改支"支行同步揭牌开业。据了解，这是广东省首次四 家"村改支"机构同时开业。四地联动、同步启幕的盛况，不仅标志着顺德农商银行战略布局的深化落地，更是其响应国家普惠金融政策、服务 区域协调发展的生动实践。四地政府、各商会、协会、企业家、商界精英代表以及顺德农商银行总行领导及干部出席并见证这一历史时 刻。"村改支"支行的成立，是顺德农商银行响应《国务院关于推进普惠金融高质量发展的实施意见》中"稳步推动村镇银行结构性重组"战略部 署的重要举措，旨在通过吸收合并原有村镇银行并将其改制为功能更全、服务覆盖范围更广的支行，从而实现金融资源的优化整合。 本次"村改支"支行开业典礼，采用四地同时直播的形式。顺德农商银行党委书记、董事长李宜心在致辞中表达了对各地方政府支持"村改支"工 作的感谢，顺德农商银行吸收合并大湾区村镇银行并改建为分支机构， ...

Core Insights - The article highlights the efforts of Cangzhou Botou City in Hebei Province to address financing challenges for enterprises and improve the financial business environment through a concentrated promotion of inclusive financial policies [1] Group 1: Financial Initiatives - Botou City has focused on the development of the real economy by innovating an "online + offline" interaction model to regularly collect financing needs from enterprises [3] - Financial institutions have been guided to conduct "one-on-one" connections with businesses, launching credit loan products such as "Industry Cluster Loan," "Credit Easy Loan," and "Cloud Tax Loan" [3] - A total of 132 various government-bank-enterprise connection activities have been held, engaging over 2,000 enterprises and disbursing loans amounting to 4.65 billion yuan [3] Group 2: Support for Foreign Trade - The city has collaborated with banks to conduct digital consumption marketing activities to stimulate consumer vitality [3] - Financial institutions are encouraged to enhance support for foreign trade enterprises, utilizing online products like Cross-Border Quick Loan and Foreign Trade Cloud Loan, providing nearly 100 million yuan in financing support to over 50 foreign trade enterprises this year [3] Group 3: Future Plans - The city plans to continue deepening the collaboration between government, banks, and enterprises, enriching the inclusive financial product system, and improving financial service mechanisms [3] - There will be an expansion of policy promotion coverage to provide solid financial support for various market entities to alleviate difficulties and foster growth [3]

今年以来，渤海银行紧密围绕金融服务实体经济主线，将债券承销业务作为落实金融"五篇大文章"的重 要阵地和推动区域经济发展的关键引擎。截至2025年12月5日，该行年内累计主承销银行间债务融资工 具首次突破2000亿元大关，创历史新高，同比增长32%，年增幅和规模增量在全国性股份制商业银行中 均位列第一；同时，其市场份额提升至2.14%，规模排名跃居股份制商业银行第7位，实现历史性突 破，展现出强劲的发展态势。 债券承销"三级跳"持续为实体经济注入新动能 债券融资作为应用广泛且高效的直接融资方式，跳过了传统信贷的"存贷"环节，将资金需求方与多层次 资本市场直接连通，显著降低了企业融资成本。渤海银行以此为抓手，持续将金融活水精准注入实体经 济。今年以来，该行已助力约300家企业实现发债融资，覆盖了制造业、科技创新、绿色低碳、民营经 济和小微企业等重点领域，在推动产业升级的同时，也实现了自身业务的高质量发展。 根据Wind数据统计显示，渤海银行债券承销规模三年间持续跃升：2023年同期约为800亿元，2024年突 破1000亿，今年则大踏步跨越2000亿元大关，完成了从"百亿级"到"千亿级"再到"两千亿级"的"三级 ...

Core Insights - The article highlights the innovative financing solutions provided by Zheshang Bank's Jining branch to support the garlic industry in Jinxing County, addressing the financing challenges faced by small and medium-sized garlic merchants [1][4][6]. Industry Overview - Jinxing County, known as the "Garlic Capital," accounts for over 70% of China's garlic trading volume and has an annual industry output value of 68.8 billion yuan, with a public brand value exceeding 21.8 billion yuan [2]. - The garlic industry has developed a complete supply chain from planting to processing, but financing bottlenecks hinder the full release of market potential [2][4]. Financing Challenges - Small and medium garlic merchants face three main issues: insufficient collateral, lack of formal financial management, and low financing efficiency due to cumbersome traditional loan approval processes [2][3]. - Many merchants struggle with capital shortages during peak purchasing seasons, often missing favorable market conditions due to slow loan approvals [3][6]. Innovative Solutions - Zheshang Bank has introduced a "garlic warehouse receipt pledge financing" system, allowing merchants to use stored garlic as collateral for loans, thus transforming static inventory into liquid financial capital [4][5]. - The bank collaborates with local government, leading agricultural enterprises, and third-party storage institutions to create a comprehensive financial service system that includes real-time monitoring and risk management [5][6]. Impact and Results - The garlic warehouse receipt pledge financing has already benefited over 50 core storage and processing enterprises in Jinxing County, with total loans exceeding 360 million yuan, effectively activating hundreds of thousands of tons of garlic inventory [6]. - The bank has also launched a digital financial product, "Shuyidai," to provide flexible financing support to small merchants, further reducing their financing costs and time [6][7]. Future Prospects - Zheshang Bank aims to replicate the successful "garlic model" in other local industries, enhancing financial product innovation and collaboration with government and industry associations to accelerate financial empowerment of local economies [7].

Core Viewpoint - Shengjing Bank emphasizes the integration of party building and business development, focusing on providing tailored financial solutions to various financing entities, thereby enhancing the quality of inclusive finance services [1][5]. Group 1: Financial Solutions for Small and Micro Enterprises - Shengjing Bank prioritizes enterprise credit and innovation capabilities over collateral, offering "light asset, broad credit, and convenient" financing to support small and micro enterprises [1]. - A technology company in Shenyang received a customized "Shenyandai 2.0" financing solution with a credit amount of 3.4 million yuan, addressing urgent funding needs for equipment procurement and intellectual property acquisition [1]. - A manufacturing plant in Dashi Bridge, Yingkou, received a loan of 3 million yuan within two working days through the "Shengxindai" product, addressing a liquidity gap caused by increased orders [2]. Group 2: Tailored Financial Services for Technology Enterprises - Shengjing Bank promotes products like "Shengkedai" for technology enterprises, providing customized service plans to enhance financial innovation [3]. - A national high-tech enterprise in Beijing secured a total of 8 million yuan in inclusive loans and 29 million yuan in B-round financing through a combination of loan and investment services [3]. - A medical technology company in Tianjin received a loan of 5 million yuan through the "Shengkedai" product, demonstrating effective business growth innovation [3]. Group 3: Precision Financial Support - Shengjing Bank actively develops differentiated and personalized products to provide precise financial support, aligning with the central financial work conference's spirit [4]. - A duck egg production cooperative in Liaoyang received a 3 million yuan loan through a customized "Liaonongdai" service plan, alleviating funding pressure before the holiday sales peak [4]. - An advanced technology enterprise in Anshan received an 8.5 million yuan loan through a tailored credit solution, which was highly appreciated by the company [4]. Group 4: Commitment to High-Quality Development - Shengjing Bank aims to continuously enhance the integration of party building and business operations, transforming political and organizational advantages into strong momentum for supporting the real economy and promoting high-quality development of inclusive finance [5].

中小企业联系千家万户，是推动创新、促进就业、改善民生的重要力量。杭州银行（600926）紧扣国家 普惠金融发展战略，严格落实金融监管要求，深化客群经营与数智化转型，确保"政策落地有力度、精 准服务有精度、民生保障有温度"，让金融活水精准滴灌至千门万户。 截至2025年三季度，该行小微金融条线贷款余额为1576.8亿元，普惠型小微企业贷款余额增长显著，达 到1722.7亿元，增幅为10.73%；普惠型小微信用贷款余额达230.64亿元，同比增长17.70%，以实实在在 的举措为实体经济注入金融活水。 精准滴灌优企客群，聚焦专精特新、科技型中小企业等，联合经信、科技部门获取优质客群名单，累计 投放贷款2196笔，授信金额62.62亿元，用信余额24.42亿元，综合用信率达59%。 场景服务园区客群，持续开展"耕园行动"，上半年杭州银行在产业园区组织产品宣讲会、主题交流会等 活动超40场；推出"厂抵贷"，依托云抵贷平台实现"抵押+信用"一键双贷，为园区企业从初创到成长的 全周期发展保驾护航。 政策资源打出"组合拳" 好政策，关键在落实。杭州银行将政策落地作为普惠金融工作的"第一抓手"，通过机制创新与资源倾 斜，确保 ...

Core Viewpoint - The article emphasizes the transformation of Rongtong Fund into a state-owned enterprise-controlled public fund company, focusing on leveraging its central enterprise characteristics to drive innovation and growth in the financial sector, particularly in serving state-owned capital operations and wealth management for residents [1][5]. Group 1: Transformation Achievements - Since merging with China Chengtong in 2022, Rongtong Fund has significantly enhanced its service to state-owned enterprises, achieved product innovation, and improved investment performance, marking a clear path of innovative development [5][6]. - The total asset scale of Rongtong Fund reached 339.8 billion yuan by June 2025, an increase of 107.9 billion yuan, representing a nearly 50% growth since the merger [5][6]. - The investment research system has been upgraded, with a focus on a platform-based, team-oriented, and integrated multi-strategy approach, leading to notable performance in active equity investments and fixed income [6][8]. Group 2: Future Strategic Blueprint - The core goal for the next five years is to achieve significant transformation and elevate the company’s status, focusing on developing benchmark central enterprise-themed index products to enhance investor returns [10][11]. - The company aims to strengthen its foundation through party leadership and governance, ensuring that political and organizational advantages translate into core competitive strengths for high-quality development [10][11]. - The strategic focus will include optimizing resource allocation in key national strategic areas such as technology finance, green finance, inclusive finance, pension finance, and digital finance [10][11]. Group 3: Global Asset Allocation - Rongtong Fund is actively building a dual-wing strategy for domestic and international business, with the establishment of its first Cayman-listed fund and successful issuance of a public fund in Hong Kong [16][17]. - The global investment strategy is centered around supporting state-owned capital "going out" and developing QDII funds that align with national strategies, such as technology self-reliance and green development [16][17]. - The company emphasizes long-term investment and aims to provide diversified asset allocation products to enhance participation and benefits for ordinary residents in financial openness [17][18]. Group 4: Investment Research System Iteration - The investment research capability is viewed as fundamental for the long-term development of the fund, transitioning from individual reliance to a systematic platform approach [19][20]. - Key iterations include breaking down asset silos, embedding investment decision processes into standardized workflows, and developing a multi-strategy collaborative approach to adapt to market cycles [20][21]. - The integration of AI technology into the investment research process has significantly improved efficiency, allowing fund managers to focus on in-depth research and decision-making [21][22]. Group 5: Inclusive Finance Practices - Rongtong Fund has implemented various practices to enhance investor experience, including the issuance of thematic ETFs that allow investors to share in the profits of state-owned enterprises [23][24]. - The company has been a pioneer in promoting systematic investment plans, conducting numerous educational activities to guide investors in long-term investment strategies [24][25]. - Efforts to reduce fees and enhance research capabilities are aimed at aligning with investor interests and improving overall investment returns [25].

Core Insights - The proposal outlines the development strategy for Shenyang during the 15th Five-Year Plan period, emphasizing the enhancement of the real economy and the promotion of intelligent, green, and integrated manufacturing [1][2] Group 1: Economic Development and Industry Upgrades - Shenyang aims to optimize and elevate traditional industries by advancing intelligent, green, and service-oriented manufacturing, and promoting the "smart transformation and digital upgrade" of manufacturing [2] - The city plans to cultivate emerging and future industries, focusing on innovative infrastructure, technology research and development, and large-scale application of new technologies and products [2] - Key industrial chains and advanced manufacturing clusters will be developed, with a focus on the automotive and parts industry, equipment manufacturing, aerospace, information technology, and renewable energy sectors [3] Group 2: Financial and Systemic Reforms - The proposal emphasizes the need for comprehensive economic system reforms, particularly in the financial sector, to enhance financial supply and support the development of various financial services [4] - It includes plans to optimize the financial institution system, expand financing scales in credit, bonds, and capital markets, and establish a multi-level investment fund system [4] - The initiative aims to improve the financial ecosystem by establishing a bad asset trading center and enhancing financial arbitration and mediation mechanisms [4]

Core Viewpoint - The article highlights the transformation of Qingyuan in the Guangdong-Hong Kong-Macao Greater Bay Area into a hub for manufacturing enterprises from the Pearl River Delta, emphasizing the role of Agricultural Bank of China (ABC) in providing tailored financial support for industrial upgrades and growth [1][2]. Group 1: Company Development - Qingyuan Shiyuan Auto Parts Co., Ltd. has successfully transitioned from receiving industrial transfers to achieving high-quality development, aided by ABC's financial services [1]. - The company, established in 2018, has seen a significant increase in downstream orders, leading to a need for rapid expansion to maintain core customer relationships [1]. - With ABC's support, Shiyuan's production capacity has increased by over 30%, and its revenue has grown annually, establishing it as a key player in Qingyuan's auto parts industry [2]. Group 2: Financial Services - ABC Qingyuan Taiping Branch customized a comprehensive financial service plan for Shiyuan, providing a credit limit of 10 million yuan, which was quickly disbursed through a streamlined digital approval process [2]. - The branch has implemented a regular tracking mechanism to monitor the company's operations and financial usage, offering additional services such as account settlement and financial consulting [2]. - ABC Qingyuan Branch has issued over 1.5 billion yuan in loans to industrial parks in Qingyuan, positioning itself as a financial engine for high-quality development in county-level industrial zones [3]. Group 3: Policy and Innovation - The bank has actively sought differentiated credit policies to prioritize financial resources for industrial parks, addressing urgent issues like collateral difficulties and tight financing limits [3]. - ABC Qingyuan Branch has expanded its financial product offerings, including fixed asset loans and supply chain financing, particularly targeting green and technology-driven enterprises [3]. - A new Inclusive Finance Technology Innovation Service Center has been established to enhance financial services for manufacturing and small enterprises, aiming to optimize business processes and provide tailored credit solutions [4].

导语：近年来，银行系险企以科技金融为核心牵引，探索出一条从企业风险保障、人才稳定机制，到 产业投资支持，再到数字化服务体系的完整价值链条。 在行业转型的关键时期，银行系险企以其多维整合能力，为探索高质量发展路径提供了一个具有 现实意义的锚点。 在人身险行业受 " 报行合一 " 政策重塑、预定利率下调倒逼转型、市场竞争从 " 产品定价 " 转 向 " 服务能力 " 的关键阶段时期，传统依赖规模扩张与渠道驱动的发展模式已难以为继。在此 背景下，兼具 " 场景化服务创新 "" 民生需求响应 "" 国家战略落地 " 资源整合能力与创新活力 的市场主体，更易凸显竞争优势。 中央金融工作会议以来，金融行业的功能边界持续拓展，围绕科技金融、绿色金融、普惠金融、 养老金融、数字金融构成的"五篇大文章"，业已成为保险业理解自身定位、重塑经营逻辑的战略 框架。 在新周期中，风险保障、长期资金供给与公共服务三项基本职能被同步强化，而保险机构在经济 结构调整中的前置作用也被进一步凸显。 从资金规模、久期结构到风险承受能力，保险资金的独特属性使其能够深入产业链关键环节，为 科技创新、绿色转型、城乡协调、人口老龄化应对和数字化发展提供全 ...