近日，日照银行进一步丰富供应链金融应用场景，与鲁商集团开展合作，作为首家直连"鲁商信"平台的 金融机构，为鲁商旗下银座电器、银座配送等上游多级供应商，累计提供应收账款融资1.2亿元，赋能 商业产业链高质量发展。 "鲁商信"是鲁商集团基于核心企业应付账款开具的应收账款电子凭证。日照银行深度融入鲁商集团供应 链体系，精准对接商业产业链的支付结算及融资需求，与鲁商产融旗下易通保理协同联动，实现日照银 行"黄海之链"供应链金融服务平台与"鲁商信"平台直连互通，是首家直连的金融机构。鲁商集团成员企 业向供应商付款时签发"鲁商信"，供应商即可线上直接向日照银行申请融资，全流程线上化操作，高效 实现"小时贷"。日照银行济南分行已率先通过该业务模式，为鲁商集团多家上游供应商提供支付结算和 融资支持，资金周转效率显著提升，精准缓解了上下游中小企业的经营资金压力，为商业产业链稳定运 行和持续发展提供了有力支撑。 目前，日照银行正加快推进与鲁商集团商业产业链的全面深入合作，依托鲁商集团供应链生态积累的订 单、物流、仓储等数据，探索开展"脱核链贷"业务模式，构建多维度准入规则和风控模型，打造鲁商集 团上下游链属企业自动授信业务模式； ...

（来源：甘肃金融） 近年来，浦发银行兰州分行始终坚守金融服务实体经济的初心与使命，深入贯彻落实党中央关于做好金 融"五篇大文章"的部署安排，全面推进总行数智化战略实施。该行立足区域特色，重点布局科技金融、 供应链金融、普惠金融、跨境金融和财资金融"五大赛道"，将供应链金融确立为主赛道，创新推出一系 列精准高效的供应链金融解决方案，有效破解产业链发展难题，显著提升区域经济韧性。通过持续强化 超级产品、超级平台、超级系统的"三超"体系建设，着力打造"浦链通"特色产品，精准打通产业链资金 流转堵点，充分激活上下游企业发展动能，实现金融"活水"对实体经济的精准灌溉，切实擦亮"要链通 找浦发"这一金融服务品牌。 党建引领发展 推动供应链金融"全面拓" 浦发银行兰州分行党委深入推进党建与中心工作融合，将"供应链金融"纳入2025年度"党建促发展"重点 项目，组建"浦链铁军"党员突击队。该突击队以"铁人先锋 智绘兰图"党建品牌为引领，开展"浦链铁军· 强链攻坚"专项活动，持续推动经营机构"一行六链"和客户经理"一人一链"工作机制，实现供应链金 融"人人懂、个个会、全员做"，促进供应链金融实现跨越式发展。 打通资源整合"主动 ...

引言:跨境贸易融资困境的行业现状 在全球经济一体化深入发展的背景下,进出口贸易企业面临着日益复杂的融资挑战。据统计,超过60%的 中小型进出口企业在资金周转、信用评估、担保要求等方面存在困难。传统的融资模式往往无法满足跨 境贸易中资金需求时效性强、周转频率高、风险评估复杂的特点,导致企业在全球供应链中的竞争力受 限。 进出口贸易融资的难点分析 资金周转压力 跨境贸易企业在货物运输周期、清关等待时间、库存资金占用等环节面临长期资金锁定问题。特别是在 大宗商品进口、季节性商品出口等场景下,企业需要承担高额的资金成本和流动性风险。 信用评估复杂性 跨境信用体系的不统一使得传统金融机构难以准确评估企业的真实经营状况和偿付能力。国际贸易中的 汇率波动、政策变化、供应链不确定性进一步增加了风险评估的难度。 担保与要求严格 传统融资渠道要求的实物、第三方担保等条件对于轻资产运营的贸易企业构成较高门槛,限制了融资可 获得性。 综合供应链服务商的融资支持解决方案 一站式跨境物流金融服务 专业的供应链服务商通过整合国际货运、报关清关、仓储加工等业务环节,为企业提供全链路的资金流 优化方案。这种模式下,服务商基于对货物流转、通关效 ...

把深山里的土特产擦亮成"金字招牌"，为忙碌的生产线注入"强心剂"……在广袤的农村大地上，我 国银行业的金融服务正渗透进经济生产生活的各个环节。 近日召开的中央经济工作会议提出，统筹推进以县城为重要载体的城镇化建设和乡村全面振兴，推 动县域经济高质量发展。持续巩固拓展脱贫攻坚成果，把常态化帮扶纳入乡村振兴战略统筹实施，守牢 不发生规模性返贫致贫底线。 2025年作为巩固拓展脱贫攻坚成果同乡村振兴有效衔接5年过渡期的最后一年，乡村全面振兴扎实 推进、农业农村现代化迈出坚实步伐。展望2026年，专家认为，银行业支持乡村振兴仍有较大空间。 乡村振兴信贷投放力度持续加大 "中央经济工作会议对乡村全面振兴工作的部署，核心要义在于'系统统筹'与'底线坚守'。"苏商银 行特约研究员高政扬在接受《金融时报》记者采访时表示，从实践层面看，政策要求在推进产业、要 素、生态等一体化进程中，兼顾增长质效与底线守护，走出一条兼具包容性与可持续性的高质量乡村振 兴路径。 与此同时，需要看到的是，在乡村振兴领域，产业链协同融资机制尚不完善。"面对农业产业链上 下游的资金堵点，跨行业、跨区域的协同融资渠道尚未完全打通。此外，中长期资金支持力度 ...

Market Overview - After the Federal Reserve's interest rate cut, market sentiment has turned cautious due to potential rate hikes from the Bank of Japan[1] - Major A-share indices opened high but closed lower: Shanghai Composite Index down 0.70%, Shenzhen Component down 1.27%, and ChiNext down 1.41%[1] - Total trading volume in both markets reached 1.89 trillion yuan, a slight increase from the previous trading day, but over 4,300 stocks declined, indicating weakened buying momentum[1] Sector Performance - Structural opportunities are concentrated in two main lines: - The renewable energy sector, particularly wind and nuclear power, shows sustained investment value due to policy catalysts[1] - Semiconductor equipment-related ETFs have seen net inflows this week, indicating a potential rebound in the oversold tech sector[1] - The real estate, retail, and cultural media sectors led the decline, while hard tech themes like nuclear fusion received increased funding[1] Economic Outlook - The World Bank has raised its 2025 economic growth forecast for China by 0.4 percentage points, citing more proactive fiscal policies and a diversified export market as key factors[7] - The focus on domestic demand is expected to support resilient and sustainable growth in the coming years[7] Fund Dynamics - In the recent Hong Kong stock market adjustment, public funds are accelerating their investments, with several funds announcing early closures for fundraising[13] - A-share assets have seen increased allocations from fund advisors, indicating a strategic positioning for the upcoming year-end market trends[14]

Core Viewpoint - The launch of the "Coking Coal Online" intelligent trading platform marks a significant step in the digital transformation of the national coking coal industry, focusing on self-controllable technology systems and data service capabilities [1][2][3] Group 1: Platform Features - The platform has established a digital service system that integrates trading, logistics, indices, payment settlement, and finance into a "five-dimensional" intelligent service framework [1][2] - The upgrade enhances data service capabilities, achieving comprehensive coverage from enterprise registration to contract fulfillment, effectively breaking down information silos and providing solid data support for upstream and downstream collaboration in the industry [1][2] Group 2: Security Measures - The platform adheres to national cybersecurity level protection requirements, constructing a multi-layered, all-link information security defense system [1][2] - It employs self-controllable encryption algorithms to strengthen the protection of key processes such as data transmission and storage, implementing multiple protections for sensitive information and ensuring comprehensive audit trails for all critical operations [1][2] Group 3: Technical Architecture - The platform utilizes advanced microservices and distributed architecture, offering high performance, easy scalability, and strong stability, allowing flexible integration with various internal and external systems for payment, settlement, and logistics [3] - This self-controllable technical architecture provides a reliable foundation for future development of industry credit evaluation systems and expansion of supply chain financial services [3] Group 4: Operational Efficiency - The new trading system enhances real-time performance, security, and reliability while optimizing processes and innovating trading models, significantly reducing operational costs in the industry [2][3] - This development supports the continuous evolution of the energy industry ecosystem towards a more efficient and intelligent direction [2][3]

Core Viewpoint - The article discusses how Hengfeng Bank is transforming national financial strategies into practical solutions to address financing challenges faced by the real economy, particularly for small and micro enterprises and rural revitalization efforts [1]. Group 1: Data Utilization - Hengfeng Bank leverages regional big data to create precise "enterprise profiles," addressing the information asymmetry that small and micro enterprises face in securing financing [2]. - The bank utilizes local credit platforms to gather multidimensional data, enabling the construction of comprehensive risk control models for clients [2][3]. - The "Xihui Loan" product integrates over 40 core data points, allowing for rapid loan approvals, with some loans disbursed in as little as 72 hours [4]. Group 2: Supply Chain Financial Innovation - Hengfeng Bank has developed a digital supply chain finance brand, "Hengrong E," which facilitates online processes for credit applications and loan disbursements, significantly reducing the time and effort required from businesses [5]. - The bank's innovative approach to "domestic order financing" allows for financing based on the core enterprise's payment capacity and historical cooperation with suppliers, thus providing timely financial support [6]. - The bank has successfully provided substantial loans to key suppliers in various industries, enhancing operational efficiency and financial flow within supply chains [5][6]. Group 3: Focus on Industrial Parks and Innovation - Hengfeng Bank aims to support technology enterprises in industrial parks by providing tailored financial services that align with their growth cycles, addressing the common issue of insufficient collateral [7][8]. - The bank's "factory mortgage loan" product has successfully supported multiple small and micro enterprises in industrial parks, facilitating their first-time financing and overall growth [9]. - The collaboration between banks and industrial parks enhances the identification of quality enterprises, reduces service costs, and improves risk management through continuous interaction and data sharing [9].

根据协议，未来五年内，浙商银行重庆分行将在符合国家金融政策及自身授信准则的前提下，累计向重庆市制造业高质量发展提供不少于200亿元的意向性 融资支持。合作将聚焦重点产业集群、战略性新兴产业、智能制造、绿色制造等关键领域，通过创新金融产品、优化服务模式，全方位满足制造业企业多元 化金融需求。 浙商银行重庆分行党委书记、行长郑矫表示，近年来，浙商银行重庆分行全力服务全市实体经济，充分发挥供应链金融、数智化服务优势，依托在能源、汽 车、钢铁等近30大行业形成的特色化解决方案，为产业链上下游中小微企业破解融资难、融资贵问题。下一步，分行将持续打造供应链金融数智化、体系 化、专业化和差异化服务能力，紧紧围绕全市"33618"现代制造业集群体系和重点产业链，加大先进制造业、绿色低碳产业等关键领域的金融支持，助力产 业链发展。同时，持续发挥科创金融、人才银行等优势，加大金融创新力度，为企业提供高效、优质的金融服务。（来源：浙商银行重庆分行） 12月11日，浙商银行重庆分行与重庆市经济信息委签署了产融合作协议。双方将加强创新链、产业链、资金链、人才链"四链"的深度融合、相互赋能，在金 融创新、产融合作、信用体系建设等领域全面 ...

中新网天津12月11日电 题：建设三大中心，天津"十五五"打出"别样"金融牌 中新网记者 夏宾 杨子炀 在中国的金融版图上，天津从来都不是一个甘于平淡的角色。 随着《中共天津市委关于制定天津市国民经济和社会发展第十五个五年规划的建议》(下称《建议》)公 布，这座北方重镇未来五年的金融发展图景清晰浮现。《建议》将"深化金融体制改革"置于显著位置， 与其他城市定位大而全的金融中心不同，天津的"十五五"金融蓝图力拼特色，打出一张服务实体经济、 深耕细分领域的"别样"金融牌。 金融创新对接产业"深度协同" 金融是实体经济的血脉。"十五五"期间，如何让金融血脉更畅通地滋养制造业骨骼，是天津面临的核心 课题。 三大租赁中心力争"全球影响力" 如果说金融创新是天津的底色，那融资租赁无疑是其最亮眼的一抹金色。在《建议》中，天津为这一优 势产业设定了极具雄心的目标："加快建设具有全球影响力的飞机、船舶和出口离岸租赁中心"。 "具有全球影响力"这七个字，分量极重。这表明，在租赁领域，天津直接对标都柏林等世界级租赁中 心。 天津拥有发展这一产业的天然沃土。作为全国先进制造研发基地，天津在"十五五"期间将重点建设高端 装备产业集群， ...

Core Viewpoint - Xiaohongshu has made a strategic move by acquiring a payment license, but it simultaneously announced the suspension of its local life membership program "Xiaohong Card," indicating a complex strategic landscape with both expansion and contraction elements [1][8]. Group 1: Payment License Acquisition - Xiaohongshu acquired 100% of Dongfang Electronic Payment Co., Ltd., gaining a payment license that allows for core functions such as user recharge, consumption, and transfer, which aligns with its e-commerce and local life payment needs [3][10]. - The acquisition of the payment license is expected to optimize cost structures, improve merchant settlement efficiency, and provide valuable data assets for the platform [3][10][11]. - Previously, Xiaohongshu relied on third-party payment channels, incurring high transaction fees estimated at around 2.4 billion yuan annually based on a projected GMV of over 400 billion yuan for 2024 [2][9]. Group 2: Suspension of Xiaohong Card - The "Xiaohong Card," launched in September 2025 with an annual fee of 168 yuan, aimed to create a premium membership experience in cities like Shanghai, Hangzhou, and Guangzhou, but will be suspended starting January 1, 2026 [5][12]. - The suspension is attributed to high operational costs and a mismatch with Xiaohongshu's core online content-driven model, which contrasts with the "heavy operation" nature of local life services [5][12][13]. - The decision to pause the program allows Xiaohongshu to reallocate resources towards more critical areas, particularly the integration of its e-commerce and payment systems [6][13].