Group 1 - The company Guangdong RIFENG Cable Co., Ltd. has approved a project loan application backed by its own assets to support the "New Energy and Special Equipment Cable Component Project" [1][2] - The company plans to mortgage state-owned construction land and ongoing projects located in Zhongshan City, Guangdong Province, to the Bank of Communications Zhongshan Branch for a loan amount not exceeding RMB 150 million [1][2] - The company has completed the real estate mortgage procedures and obtained the real estate registration certificate, confirming that the mortgage will not affect its production and operations [2]

6月6日，北京住房公积金管理中心(以下简称公积金中心)发布《关于进一步完善提高住房公积金个人住房贷款服 务质效工作的通知》，明确取消抵押物评估对房屋抵押状态限制的规定，推动贷款购房"一件事"办理，并新增"电 话贷款，服务直达"模式。新京报记者就此采访了北京住房公积金管理中心贷款管理处处长双亮。 截至4月底，已为14534个家庭提供上门签约服务 双亮介绍，2024年10月15日，公积金中心发布了《关于开展提高住房公积金个人住房贷款服务质效试点工作的通 知》。试点通过精简办事材料增效，实现二手房公积金贷款"零材料"申请；通过优化业务流程加速，实现公积金 贷款平均10个工作日放款；通过丰富服务模式提质，实现公积金贷款服务"零跑动"，获得了借款人、房产开发企 业、中介机构等多方认可。 截至2025年4月底，公积金中心已为14534个家庭提供了上门签约服务，面签地点包括小区、单位、中介门店、医 院、机场、火车站等，有效解决了借款人，尤其是需要关爱的特殊借款人的实际困难。 双亮表示，通过试点，缩短公积金贷款放款时间后，对加快房产开发企业资金回笼、促进二手房市场交易换手等 方面效果显著。以昌平区的观锦嘉苑项目为例，该项目在 ...

Group 1 - The Beijing Housing Provident Fund Management Center has issued a notice to improve the quality and efficiency of personal housing loan services [1] - The notice includes the cancellation of restrictions on the evaluation of collateral based on the mortgage status of the property [1] - The aim is to create a more efficient and convenient process for second-hand housing loans, allowing for evaluations to proceed even if the property is mortgaged [1]

金十数据6月6日讯，北京住房公积金管理中心发布《关于进一步完善提高住房公积金个人住房贷款服务 质效工作的通知》，明确取消抵押物评估对房屋抵押状态限制的规定，推动贷款购房"一件事"办理，并 新增"电话贷款，服务直达"模式。《通知》称，取消抵押物评估对房屋抵押状态限制的规定。进一步构 建高效、便捷的二手房贷款购房流程，房屋存在抵押的，可正常开展评估工作并出具《北京住房公积金 管理中心住房公积金个人住房贷款评估核查确认书》。 北京公积金新政：抵押房屋可正常评估 ...

近期社交媒体上出现大量银行员工寻求"贷款互换"的帖子。这些来自不同地区、不同类型银行的贷款经理，通过互相办理消费贷业务来完成各自的业绩任 务。交换内容从基础的测额度任务，到放款、面签等复杂操作。部分银行员工甚至自掏腰包补偿利息差额，以吸引同业人员配合完成任务。这一现象反映出 当前消费贷市场竞争的激烈程度，以及银行员工面临的巨大业绩压力。 同业互助成常态化操作 浦发银行北京地区贷款经理小麦表示，消费贷拓客业绩压力巨大。任务完不成会直接影响绩效奖金。身边亲戚朋友资源已基本开发完毕，只能寻求银行同业 相互办理业务。这样各自都能完成一个任务量，实现双赢局面。 邮储银行北京地区贷款经理小张介绍，每位贷款经理都有专属的测额度二维码。客户扫码申请测额度后，就能完成一个任务量。但消费贷测额度需要满足特 定条件，部分银行要求客户在当地缴纳社保和公积金。因此银行工作人员更倾向于与同城同业交换任务，大家面临相同的市场环境，彼此比较了解。 成都银行贷款经理透露，银行对公积金基数有明确要求，对负债情况也会严格审验。如果客户在多家银行办理过贷款且负债较多，额度申请很难通过审核， 无法进行有效互换。除简单的测额度任务外，部分银行员工还承担 ...

——用量化指标为企"画像" 以创新论英雄、配资源 据科技部副部长邱勇介绍，"创新积分制"是科技部推出的一项创新性科技金融政策工具，通过一套系统 化的指标、数据和算法，对企业的创新能力、创新绩效及未来发展潜力进行科学评价，旨在帮助金融机 构更加精准地识别科技型企业的科技创新属性。 "更通俗来讲，所谓'创新积分制'，就是利用客观、可信的企业创新能力评价指标数据，对企业进行'打 分'，并按照分数量化评价结果，将其作为识别挖掘科技型企业的重要参考。"有受访人士说。 据了解，该工具自2020年起在国家高新区率先以试点形式实施，截至2023年底，实施"创新积分制"的试 点高新区已达133家，覆盖全国25个省份。仅2022—2023年，银行为积分企业对接授信就超过2000亿 元。 新华财经北京6月6日电（记者翟卓）如何让"硬科技"企业脱颖而出？离不开金融活水的悉心浇灌。如何 让金融资源流向更加精准？"创新积分制"提供了破题方案。 科技部等七部门日前发文明确，要在全国范围内推广"创新积分制"；科技部相关负责人还透露，将适时 推出升级版2.0。业内人士表示，随着"创新积分制"在更大范围落地实施、不断优化，科技金融这篇大 文章将 ...

机构：华泰证券 研究员：李健/陈宇轩 6 月4 日奇富科技出席了我们组织的2025 年中期策略会，会上公司回顾了1Q25 的经营情况，并解答了 投资者关注的问题。1Q25 需求具有韧性，同时营销策略持续优化。贷款质量保持健康，C-M2 基本稳 定。另外公司重视股东回报，股份回购持续推进。我们认为公司运营稳健，质量稳定，利润"安全垫"较 为充足，预计25 年盈利有望进一步提升，维持"买入"评级。 结合当前宏观环境，与全球贸易摩擦对行业的潜在影响，我们认为公司25年新增放款量的同比增速约 8%。获客方面，1Q25 的单位获客（获客成本/新授信用户数量）成本升至384 人民币（4Q24：312 人民 币），这一变化可能主要由三方面原因导致：1）API 渠道的获客占比提升，而这一渠道需为老客的借 款支付获客费用，从计算上导致单位获客成本提升，尽管如此API的LTV 仍相对信息流有优势，将在长 期支撑利润增长；2）高成本的信息流渠道投放加大，目的是替换掉效率不高的渠道；3）整体流量成本 或有上涨。 股东回报高 截至2025 年5 月19 日，基于2025 年4.5 亿美元的回购计划，公司已经回购价值1.78 亿美元的股 ...

"网上申请，3天到账，利率只有3.3%，真是解了我们燃眉之急。"6月4日，湖北鼎璞环保科技有限公司 法人万鑫鑫介绍，拿到这笔贷款后，企业立即投入到生产经营中，正全力冲刺二季度目标。 该政策的核心就是打破传统"重抵押、轻信用"的融资逻辑，依靠数据增信和财政增信，建立中小企业商 业价值信用评估模型和风险分担机制，让广大中小企业依靠其自身商业价值就能获得信用贷款。通俗来 讲，就是中小企业不需要提供任何抵押、质押、担保，凭借商业价值信用评级，就能找银行贷款。最高 可授信1000万元，纯线上操作，一次都不用跑。为降低银行风险，湖北还设立省市两级10亿元风险资金 池，让银行敢贷、愿贷。 省经信厅中小企业处相关负责人表示，接下来湖北将在5个地级市、10个县市以及10个特色产业集群进 行改革试点推广，持续对评价模型进行调整优化，力争更客观地评价出企业的商业价值，让更多的企业 和银行坚定进行商业价值信用贷款改革探索的信心和决心。（记者刘宇、王艳华、通讯员刘岑） 鼎璞环保主要销售环保化工产品，因要向上游企业购买化学原材料亟需贷款。今年5月中旬，该公司在 应城市经信局举办的宣讲会上了解到中小企业商业价值信用贷款政策，随即通过"鄂融 ...

Core Viewpoint - 中银消费金融有限公司 is facing significant challenges with deteriorating asset quality and declining performance, as evidenced by its recent bulk transfer of non-performing personal consumption loans totaling 1.302 billion yuan, involving over 9,400 borrowers across multiple provinces [1][4][6]. Group 1: Financial Performance - In 2024, 中银消费金融 reported a net loss of 306 million yuan, marking the first mid-year loss in its history, making it the only loss-making company among its peers [6][10]. - The company's total assets reached 79.67 billion yuan by the end of 2024, with a net asset value of 9.1 billion yuan and a loan balance of 78.41 billion yuan [6][7]. - The net profit has seen a drastic decline from 853 million yuan in 2021 to just 59.5 million yuan in 2024, representing a nearly 90% drop [7][10]. Group 2: Asset Quality - 中银消费金融 has been actively transferring non-performing loans, with over 6 billion yuan in personal non-performing loans transferred in 2024 alone [4][6]. - The non-performing loan (NPL) ratio has increased from 2.80% in 2022 to 3.56% in 2024, indicating a worsening asset quality situation [9][10]. - The company has seen a continuous rise in the scale of non-performing loans, with figures of 1.728 billion yuan in 2022, 2.495 billion yuan in 2023, and 2.792 billion yuan in 2024 [9][10]. Group 3: Market Position and Competition - Despite its strong backing from major shareholders like 中国银行 and 百联集团, 中银消费金融 has lost its competitive edge, with peers like 中邮消金 and 宁银消金 reporting net profits of 804 million yuan and 303 million yuan respectively in 2024, both showing over 50% growth [8][10]. - The company was once a leader in the consumer finance sector but has struggled since 2018, with its growth momentum halted and profits declining [6][10]. Group 4: Regulatory Issues - 中银消费金融 has faced regulatory scrutiny, receiving fines for improper collection practices and management failures, including a fine of 900,000 yuan in December 2024 [13][15]. - The company received 503 complaints in 2024, primarily related to repayment negotiations and post-loan management, indicating customer dissatisfaction [15].

Core Insights - The introduction of new policy financial tools is approaching, with various regions conducting training sessions to prepare for their implementation [1][2][3] Group 1: Policy Financial Tools - New policy financial tools are expected to play a crucial role in stabilizing domestic investment, particularly in technology innovation and consumer infrastructure [3][4] - The National Development and Reform Commission (NDRC) aims to address capital shortages for project construction by establishing new policy financial tools by the end of June 2025 [2][4] - In 2022, policy development financial tools supported over 2,700 major projects across various sectors, with a total investment of 740 billion yuan [2][4] Group 2: Project Selection and Coordination - A coordinated mechanism for selecting and recommending projects for new policy financial tools is essential, focusing on projects that benefit both current and long-term goals [4][6] - The NDRC will lead the organization of project applications, ensuring that selected projects align with policy directions and are ready for implementation [4][6] - Local governments are encouraged to prepare projects that meet the criteria for new policy financial tools, ensuring quick execution once funding is available [6] Group 3: Expected Investment Impact - The new policy financial tools are projected to mobilize approximately 500 billion yuan, potentially leading to an effective investment of 6 trillion to 6.5 trillion yuan [6] - The People's Bank of China is expected to support policy banks through targeted liquidity tools, enhancing funding for key infrastructure projects [5][6]