2025年5月17日-18日，2025清华五道口全球金融论坛在深圳市成功召开，本届论坛以"共享未来：构建开 放包容的经济与金融体系"为主题。18日下午，主题论坛十二"普惠金融促进包容共进"顺利举办。 图为会议现场 主题会议以圆桌讨论形式展开，全国社会保障基金理事会原副理事长、深圳市金融稳定发展研究院理事 长王忠民，老挝人民民主共和国银行副行长苏里斯·萨姆努冯，中国人民银行信贷市场司司长彭立峰， AFI副首席执行官兼首席运营官徐淑贤四位嘉宾围绕论坛主题展开讨论，普惠金融联盟政策管理负责人 阿里·基亚祖丁·穆罕默德主持会议。 王忠民 全国社会保障基金理事会原副理事长 深圳市金融稳定发展研究院理事长 王忠民指出，共同发展强调宏观与微观经济主体（如企业、家庭）在普惠与共融中实现 利益最大化。在人工智能时代，这一逻辑体现在三大场景：一是开源技术降低了社会创 新成本；二是云服务共享使中小企业零成本接入，提升了整体收益；三是数字资产收购 与整合创造了"空能生妙有"的价值跃升。此外，普惠金融与金融稳定的协同需技术创新 支撑：区块链保障数据安全，AI监管沙盒平衡创新与风险，例如数字支付赋能家庭和小 微企业的信贷服务。中国社保基 ...

杨凯表示，中国证监会日前印发了《推动公募基金高质量发展行动方案》，这是深入贯彻落实中央金融 工作会议、中央政治局会议以及新"国九条"的重要决策部署，也是聚焦投资者回报与行业长期发展，回 应市场与社会关切的重大改革举措，标志着公募基金行业进入了以回报为导向、高质量转型发展的新阶 段。 公募基金行业作为资本市场的重要参与者，肩负着服务实体经济、满足人民财富管理需求的责任担当。 要秉承《行动方案》提出的"五个坚持"，根植于金融工作的政治性、人民性，以提升资产管理能力、做 优投资业绩为根本，精准对接实体经济发展需求，深度融入中国式现代化与现代化经济体系建设浪潮， 不断探索创新服务模式，在时代发展进程中注入更多金融智慧，为国家经济高质量发展持续贡献坚实力 量。 下附演讲全文： 尊敬的各位领导、来宾： 上午好！ 非常荣幸，也非常感谢新浪财经的邀请，与大家相聚一堂，共同探讨公募基金行业高质量发展道路。正 好中国证监会日前印发了《推动公募基金高质量发展行动方案》，这是深入贯彻落实中央金融工作会 议、中央政治局会议以及新"国九条"的重要决策部署，也是聚焦投资者回报与行业长期发展，回应市场 与社会关切的重大改革举措，标志着公募基 ...

专题：2025基金高质量发展大会 宝盈基金作为公募基金的一员，我们也将持续围绕高质量发展这一核心任务，在推动"平台化、一体 化、多策略"投研体系升级、提升产品管理能力、助力居民财富管理、保护投资者权益、筑牢安全底线 等方面聚焦发力，通过深化内部沉淀、强化自我革新、拓展外部视野，持续夯实核心竞争力体系。以专 业能力为纽带，精准对接实体经济发展需求，深度融入中国式现代化与现代化经济体系建设浪潮，不断 探索创新服务模式，在时代发展进程中注入更多金融智慧，为国家经济高质量发展持续贡献坚实力量。 MACD金叉信号形成，这些股涨势不错！ 杨凯提出，"以道统术，以术得道，方能乘势而上"。在金融强国建设征程中，公募基金需以专业能力为 基石，在做好科技金融、绿色金融、普惠金融、养老金融、数字金融"五篇大文章"的同时，筑牢风险防 控底线，维护金融安全稳定。既要精进投研体系升级、产品创新之"术"，建立投资者为中心的价值框 架，增强投资者获得感、幸福感；又要精进风险管理之"术"，构建覆盖全业务流程的风险监测与预警机 制，强化合规文化建设，全面提升风险管理能力，从而在服务实体经济和居民资产配置中稳健前行，为 金融强国建设贡献坚实力量。 ...

Core Viewpoint - The 2025 Fund High-Quality Development Conference emphasizes the transition of the public fund industry from "scale expansion" to "quality improvement," focusing on enhancing investor satisfaction as a key driver for future growth [1][3]. Group 1: Industry Transformation - The public fund industry has surpassed a historic scale of 32 trillion yuan, marking the beginning of a new round of capital market reforms [1][3]. - The industry is shifting its competitive focus from "flow competition" to "investor satisfaction competition," indicating a significant transformation towards high-quality development [1][3]. Group 2: Company Initiatives - Sina Finance has launched the "Enhancing Investor Satisfaction Nationwide Tour" to strengthen professional financial information services and bridge the last mile of inclusive finance [2][4]. - The company is committed to upgrading its AI investment research assistant to serve as a digital infrastructure for inclusive finance, while also enhancing the social investment ecosystem on Weibo [2][4]. - A leadership ranking list for the fund industry will be released, along with an award for the fund company with the highest investor satisfaction, aimed at establishing industry benchmarks and improving user experience [2][5]. Group 3: Future Outlook - The conference aims to foster collaboration within the industry to inject transparency, innovation, and sustainable long-term momentum into the capital market, positioning it as a starting point for high-quality development in public funds [5].

Group 1: Issuance Overview - The company plans to issue A-shares to specific investors, with a total fundraising target of up to RMB 120 billion, which will be used to supplement its core Tier 1 capital [2][3] - The issuance has been approved by the company's board and relevant regulatory bodies, including the China Securities Regulatory Commission (CSRC) [2][3] - The issuance price is set at RMB 8.51 per share, adjusted from an initial price of RMB 8.71 due to dividend distributions [4][5] Group 2: Subscription Details - The specific investors include the Ministry of Finance, China Tobacco, and Shuangwei Investment, with subscription amounts of RMB 1,124.20 billion, RMB 45.80 billion, and RMB 30 million respectively [3] - The shares subscribed by these entities will be subject to a five-year lock-up period, with the Ministry of Finance committing not to transfer its shares for 18 months post-issuance [6] Group 3: Shareholder Structure - Post-issuance, the Ministry of Finance will hold over 30% of the shares, making it the controlling shareholder of the company [6] - The company has outlined its profit distribution policy and plans for shareholder returns over the next three years [6] Group 4: Regulatory Compliance - The issuance complies with regulations set forth by the CSRC and other relevant authorities, ensuring that the transaction adheres to legal and procedural requirements [2][3] - The company has established measures to address potential dilution of immediate returns due to the increase in share capital from this issuance [6]

Core Viewpoint - The private economy is a vital source of vitality, innovation, and prosperity for Shanghai's urban development, playing an irreplaceable role in building an international economic, financial, trade, shipping, and technological innovation center. The "Private Economy Promotion Law" officially took effect on May 20, promoting the sustainable, healthy, and high-quality development of the private economy [1]. Group 1: Mechanism Foundation - The Industrial and Commercial Bank of China (ICBC) Shanghai Branch utilizes tools such as re-loans and rediscounting to expand customer service coverage and dynamically adjust financing costs for private small and micro enterprises in response to policy changes [2]. - The bank has improved the "error correction and duty exemption" system to enhance risk management and encourage lending to small and micro enterprises [2]. Group 2: Service Proximity - The ICBC Shanghai Branch has established a comprehensive network for inclusive financial services, having visited 18,500 small micro enterprises and provided credit support exceeding 27.7 billion yuan, with loans disbursed exceeding 24.2 billion yuan [3]. - The bank has launched various online financing products tailored to the common needs of private small and micro enterprises, including customized financing services and an upgraded "no repayment renewal loan" service [3]. Group 3: Product Empowerment - The ICBC Shanghai Branch has developed the "Small Micro Customer Innovation Loan" to meet the financing needs of technology-based small and micro enterprises, providing support exceeding 1.2 billion yuan to over 500 clients [5]. - The bank has innovated financing guarantee business models to offer a variety of financing products, enhancing risk-sharing functions for small and micro enterprises [5]. Group 4: Collaborative Creation - The ICBC Shanghai Branch is advancing a collaborative mechanism involving government, associations, banks, and enterprises to create an inclusive service ecosystem for private enterprises [7]. - The bank aims to continue building and improving long-term mechanisms to support the development of the private economy, providing prioritized and precise financial resource support for high-quality development [7].

Core Insights - Suzhou Shengze Town has over 2,500 textile enterprises, producing more than 13 billion meters of various textiles annually, forming a complete industrial chain from raw materials to finished products [1] - The town has evolved from having no large textile enterprises before the reform and opening up to becoming a significant hub for silk production and export in China [1] - Agricultural Bank of China (ABC) has played a crucial role in supporting local businesses through innovative financial services, helping them navigate challenges and expand [2][3] Group 1: Industry Development - The establishment of the Dongfang Silk Market in the mid-1980s marked a turning point for Shengze, transitioning from order-based trade to spot trading, which increased competition and profit pressure [1] - The number of merchants in the Dongfang Silk Market has grown from 130 to over 7,000, making it one of the top ten specialized markets in the country [2] - Shengze's textile industry is now characterized by a vibrant economy, with numerous textile shops and a strong presence of trade associations [3] Group 2: Financial Support and Innovation - ABC has implemented a "one project, one plan, one authorization" model to better meet the flexible funding needs of small and micro enterprises in the textile sector, with nearly 900 clients and a loan balance of 208 million yuan [2] - The bank has tailored financial services to specific industry clusters, such as textile coating and trade, to enhance market reach [2] - Companies like Jingyi Special Fiber Co., Ltd. are investing in advanced spinning technology to upgrade their production processes, supported by differentiated credit policies from ABC [4] Group 3: Technological Advancement - Shengze has 263 national high-tech enterprises, with ABC providing specialized financial products to support their growth and innovation [5] - The bank uses a quantitative analysis framework based on financial statements to assess the innovation and stability of enterprises, facilitating targeted financial solutions [6] - Local enterprises are focusing on R&D for functional fabrics, with significant investments supported by ABC to maintain technological leadership [4]

（原标题：支持银行对接小微企业融资显成效，企查查6项核心经验首度公开） 5月21日，金融监管总局、中国人民银行等八部门联合发布了《支持小微企业融资的若干措施》（以下 简称《措施》），从增加融资供给、降低综合成本等八个方面提出了23项具体政策，为小微企业带来了 急需的支持。与此同时，各地银行机构在实践中探索出一条"数据+科技+金融"的创新路径，而商业大 数据平台企查查凭借其覆盖国内超过3.65亿家企业数据资源及智能分析能力，成为解决银企信息不对 称、提升融资效率的"数字指南针"。其六大核心经验首次公开，为全国普惠金融实践提供了可复制 的"银企对接方案"。 利好政策持续释放，银行如何快速找到符合条件的潜力小微企业？ 过去，为了找到一家符合条件的潜力企业，银行客户经理可能要翻遍工商系统、知识产权局的网站，再 打电话挨个核实。好不容易整理出名单，目标企业可能已被竞争对手开拓，甚至企业早就换了赛道。最 怕的是花了半个月跟进，临到审批才发现企业核心技术早已被抵押——这种"乌龙"，每年不知让多少客 户经理白忙一场。 但如今，通过企查查筛选，可以直接定向选择企业类型，结合对地区、行业等其他维度的选择，就能快 速筛查出符合条件 ...

Core Insights - The Agricultural Bank of China Tianjin Branch has been enhancing its inclusive financial services for agriculture, aiming to support the financing needs of farmers, with a target loan balance exceeding 4.5 billion yuan by April 2025, reflecting an increase of 1.2 billion yuan since the beginning of the year [1][2] Group 1: Financial Support Initiatives - The bank has established a "green channel" to expedite loan processing, successfully issuing a 3 million yuan production loan to a local butterfly orchid grower, Hu Zhijun, to support his inventory needs during peak sales season [2] - The Tianjin Branch has optimized its network layout in suburban areas, relocating 17 branches from 2021 to 2023, which accounts for 60.7% of the planned relocations, thereby enhancing service capabilities in rural areas [2] Group 2: Customer Experience Enhancements - The bank has focused on improving customer experience by optimizing branch layouts, expanding waiting areas, and adding facilities such as nursing rooms, which has increased customer satisfaction and employee morale [2] - The implementation of a new public account opening process has significantly reduced customer wait times to under 10 minutes, while the adoption of an "Internet+" account opening model has achieved a 72.4% rate for electronic business licenses, facilitating the development of small and micro enterprises [2]

Core Viewpoint - The article discusses the importance of digital solutions in enhancing the efficiency and effectiveness of personal credit reporting within trust companies, particularly in the context of promoting inclusive finance and supporting the real economy. Group 1: Regulatory Context - In early 2025, the State Council's General Office forwarded the National Financial Supervision Administration's opinions on strengthening regulation and preventing risks in the trust industry, emphasizing a return to the core development direction and the need for continuous reform [1] - Trust companies are encouraged to focus on asset service trusts, asset management trusts, and public welfare trusts while integrating technology and finance [1] Group 2: Digital Solutions and Benefits - The second-generation credit reporting system launched by Hengsheng Electronics provides a digital solution for trust companies, already serving over 30 firms, including Shandong Trust and Yuecai Trust [1] - The system enhances risk identification capabilities, reduces personal customer default rates, and allows for better service provision to SMEs and individual consumers [2] - The system automates data collection and processing, improving efficiency by over 80% and significantly reducing human error risks [2] Group 3: Data Integration and Compliance - The credit reporting system addresses high costs of multi-source data integration by providing a unified data interface and standard mapping rules for seamless data management [3] - It includes features for compliance auditing, such as scoring submitted data to avoid penalties and maintaining operational logs for transparency [3] Group 4: Future Outlook - The credit reporting system is seen as a foundational infrastructure for trust companies to enhance risk control, optimize service efficiency, and expand market reach [4] - Hengsheng Electronics aims to continue technological innovation and promote the integration of trust business systems with cutting-edge technologies to support inclusive finance [4]