【环球网财经综合报道】5月21日，金融监管总局、中国人民银行、证监会等八部门联合发布《支持小微企业融资的若干措施》 （简称《措施》），从增加融资供给、降低综合融资成本、提高融资效率、提高支持精准性、落实监管政策、强化风险管理、完 善政策保障、做好组织实施等八个方面，提出23项具体举措，是为进一步改善小微企业、个体工商户融资状况，做好普惠金融大 文章。 《措施》鼓励向外贸、民营、科技、消费等重点领域倾斜对接帮扶资源，加大首贷、信用贷、中长期贷、法人类贷款、民营类贷 款投放。支持地方金融管理部门指导辖内区域性股权市场不断提升面向小微企业的规范培育、股权融资等服务能力。支持创投基 金加大对初创期、成长型小微企业的股权投资。探索优化政府投资基金绩效考核机制，拉长考核评价周期，提高风险容忍度，发 挥好投早投小的引导作用。 在完善政策保障方面，《措施》提出了优化风险分担补偿机制、落实相关财税支持政策、深化信用信息共享应用、有序推进小微 企业信用修复工作、强化高质量发展综合绩效评价等5条具体举措。其中，鼓励有条件的地方综合运用风险补偿、担保费补贴、业 务奖补、资本金补充、绩效考核等方式，引导政府性融资担保机构加大对小微企业 ...

消费金融，简单来说，就是金融机构为老百姓日常消费提供的一系列金融服务。在大力提振消费的当 下，各金融机构积极发展消费金融，助力提振消费。 如何更好地展业 2025年3月，国务院办公厅发布《关于做好金融"五篇大文章"的指导意见》，对完善多层次、广覆盖、 可持续的普惠金融体系作出全面部署，并提出了具体要求。 信托公司为何开展消费金融业务？ 业内专家表示，信托公司凭借灵活的制度优势和多元的资金渠道，可以在普惠金融领域发挥独特作用。 将资产管理、资产证券化、原始权益人等不同的角色和工具巧妙融合，创新设计普惠金融产品，能够覆 盖传统银行难以触达的中低收入群体及小微企业，助力消费潜力释放。 信托公司通过何种模式开展消费金融业务？中国信托业协会相关分析认为，消费金融信托业务的主要模 式分为"助贷"模式、"流贷"模式以及资产证券化模式三种。其中，"助贷"模式是指信托公司与消费金融 公司、小贷公司等机构合作，参与消费信贷；"流贷"模式是指信托公司充分挖掘消费金融市场业务机 会，仅作为消费金融服务的资金供给方，通过发放信托贷款的模式，向消费金融服务机构提供融资；此 外，由于消费金融基础资产具有小额、分散等特性，天然适合资产证券化 ...

Core Insights - TRC20-USDT has regained the top position in global USDT issuance with a total of 75.7 billion tokens, reflecting significant ecological evolution and potential impacts on the cryptocurrency market [1][3] Group 1: Technical and Ecological Advantages - The TRC20-USDT benefits from the high throughput of the TRON network, capable of processing 2,000 transactions per second with a block confirmation time of 3 seconds, supporting its circulation [3] - TRC20-USDT is deeply integrated into protocols like JustLend and JustSwap, which have locked assets worth billions, demonstrating its ecological adaptability [3] - The low transaction fees, as low as a few cents, reinforce the infrastructure advantages for stablecoin issuance [3] Group 2: Cost Efficiency and Market Expansion - TRC20-USDT is favored in cost-sensitive areas like cross-border payments and on-chain financing due to its significantly lower fees compared to other public chains, reducing transaction barriers and accelerating capital flow [3][4] - The stablecoin has seen a cumulative issuance of nearly 16 billion tokens since 2025, reflecting growing trust from institutional and retail investors in the TRON ecosystem [4] - The number of TRC20-USDT accounts has surpassed 65.94 million, with a total of 2.5 billion transactions completed, indicating strong liquidity [4] Group 3: Market Dynamics and Regulatory Progress - TRC20-USDT has achieved a market share of 50.2% as of May 2025, closely competing with ERC20-USDT at 50.1%, as user preferences shift towards cost efficiency [6] - Countries like Dominica have integrated TRC20-USDT into their official payment systems, marking a transition of stablecoins from niche financial tools to mainstream financial infrastructure [6] - The high gas fees on the Ethereum network have limited its large-scale application, while TRC20-USDT's low-cost, high-transparency model addresses traditional cross-border payment issues [6] Group 4: Innovation and Strategic Development - The TRON ecosystem, led by Sun Yuchen, emphasizes a demand-driven technological approach, focusing on transaction fluidity and user accessibility rather than extreme decentralization [7] - Tether has expanded its payment network since launching USDT in 2019, enhancing fund transfer efficiency through technological innovations and regulatory collaborations [7] - The combination of technology, application scenarios, and regulatory alignment is driving the transformation of stablecoins into mainstream financial infrastructure [7][9] Group 5: Redefining Financial Services - TRC20-USDT is redefining the service path of stablecoins in the real economy through continuous optimization of its technical architecture and expanding payment scenarios [9] - This strategy of linking technological innovation with real financial needs provides a replicable blockchain solution for global inclusive financial systems [9]

Core Viewpoint - The article discusses the release of measures by eight departments to support financing for small and micro enterprises, focusing on improving their financing conditions through various specific initiatives [1]. Group 1: Increasing Financing Supply - The measures emphasize enhancing the coordination mechanism for financing small and micro enterprises, strengthening loan supervision, and utilizing structural monetary policies [2][3]. - As of February, over 50 million small and micro enterprises and individual businesses have been visited, with credit exceeding 10 trillion yuan, and the balance of non-repayable loans is nearly 7 trillion yuan [2]. Group 2: Policy Support for Equity Financing - The measures encourage small and micro enterprises to engage in equity financing, including listing on the New Third Board and guiding social capital towards innovative small and medium enterprises [3]. - Local financial management departments are supported to enhance their services for small and micro enterprises in equity financing [3]. Group 3: Risk Management and Policy Optimization - The measures propose optimizing risk-sharing compensation mechanisms and implementing tax incentives for small and micro enterprises [4]. - There is a focus on improving the efficiency of bad loan disposal and enhancing risk management for small and micro enterprise loans [6]. Group 4: Financial Service Quality Improvement - The measures include a new goal of improving the quality of financial services for small and micro enterprises, emphasizing risk management and credit quality [6]. - Banks are encouraged to simplify loan risk classification methods and provide more credit resources to small and micro enterprises [6].

Group 1 - Eight departments jointly issued measures to support financing for small and micro enterprises, focusing on increasing financing supply, reducing costs, and improving efficiency among other aspects, with a total of 23 work measures proposed [2][5] - The new season's summer grain purchase volume is expected to reach approximately 200 billion jin, with wheat accounting for 170 billion jin and early indica rice for 25 billion jin, representing about 60% and 50% of their respective production [2][5] - China has maintained its position as Africa's largest trading partner for 16 consecutive years, with trade volume reaching 295.6 billion USD last year, a year-on-year increase of 4.8% [2][5] Group 2 - The first international standard for an aging-inclusive digital economy has been released, led by China, under the title "General Requirements and Guidelines for Aging-Inclusive Digital Economy" [3] - Baidu reported its Q1 2025 earnings, with revenue of 32.452 billion yuan, a year-on-year increase of 3%, and adjusted operating profit of 5.33 billion yuan [12] - The EU announced the lifting of economic sanctions against Syria while maintaining sanctions against the Assad regime and implementing additional targeted measures against human rights violators [12]

在"一村一品千村万户"行动中，该行深入挖掘县域乡村特色产业潜力。通过实地走访、调研分析，因地 制宜制定金融服务方案，推动万石石材市场、巷头建材市场等"一村一品"项目落地见效，累计为35户零 售企业提供3250万元融资支持，切实为县乡经济发展注入源头活水。与此同时，聚焦白塔村南天竹、红 岭茶叶、洋溪萝卜等特色农产品，以种植e贷、兴农致富贷等特色金融产品为依托，将持续深耕乡村市 场，提供全链条、定制化金融服务。未来，工行无锡宜兴支行将以两大专项行动为契机，不断创新服务 模式，提升服务质效，持续深化金融服务实体经济和乡村振兴的力度，为区域经济高质量发展贡献更多 工行力量。（顾佳慧） 加快培育普惠金融高质量发展第二曲线，工行江苏省分行创新推出"百群百链产融赋能"与"一村一品千 村万户"两大专项行动，构建产业升级与乡村振兴的"双轨驱动"金融生态。其中，"百群百链"行动聚焦 产业集群数字化升级，以全链条金融服务激活产业链协同效应；"一村一品"计划深耕县域特色经济，通 过精准滴灌助力乡村振兴。工行无锡宜兴支行迅速响应，通过双轨并进的创新实践，为区域产融结合与 普惠金融发展注入新动能。 在"百群百链产融赋能"行动中，该行聚焦 ...

Core Viewpoint - The People's Bank of China Shaanxi Branch is focusing on five key financial areas: technology finance, green finance, inclusive finance, pension finance, and digital finance to support the high-quality economic development of Shaanxi Province [1][2]. Group 1: Policy Framework and Implementation - A comprehensive policy framework has been established, including the issuance of the "Overall Implementation Plan for Financial 'Five Major Articles'" and specific plans for each financial area [2]. - A regular financing docking mechanism has been set up to enhance financial service levels, requiring local branches and financial institutions to create a collaborative list of policies, products, enterprises, issues, and party-building tasks [2]. - Assessment and evaluation mechanisms have been improved, including the issuance of notifications for green finance evaluations and the promotion of successful practices [2]. Group 2: Progress in Financial Areas - In technology finance, a partnership with Xi'an University of Electronic Science and Technology has been formed, resulting in the release of 1,000 projects for technology transformation and 1,000 innovative enterprises [3]. - As of March 2025, the balance of loans to technology enterprises reached 414.603 billion yuan, with a year-on-year growth of 13.07% [3]. - In green finance, the balance of green loans reached 804.264 billion yuan, with a year-on-year increase of 5.6% [3]. - Inclusive finance initiatives have led to a balance of loans to private enterprises of 1.22 trillion yuan, growing by 11.15%, and loans to small and micro enterprises of 613.553 billion yuan, increasing by 17.19% [3]. - In pension finance, efforts have been made to enhance financing services for the elderly, with a proposed financing amount of 18.1 million yuan identified through visits to 37 elderly care institutions [3]. Group 3: Future Directions - The People's Bank of China Shaanxi Branch plans to focus on key areas and weaknesses, enhancing financial services for the real economy [4]. - Collaboration with industry authorities will be strengthened to ensure policy coherence and effectiveness [4]. - The bank aims to leverage structural monetary policy tools to guide financial institutions in increasing credit resources and optimizing credit structures [4].

Core Viewpoint - The recent notification from the National Financial Supervision Administration aims to enhance the quality and efficiency of financial services for small and micro enterprises, guiding financial institutions to focus on inclusive finance [1][4]. Summary by Relevant Sections Small and Micro Loans Growth - As of the first quarter of 2025, the balance of inclusive small and micro enterprise loans reached 35.3 trillion yuan, marking a year-on-year growth of 12.5% [2]. - By the end of 2024, the balance of inclusive small and micro loans was 32.93 trillion yuan, with a year-on-year increase of 14.6%, outpacing the average growth rate of all loans [2]. Distribution Among Different Types of Banks - By the end of 2024, large commercial banks accounted for 42.77% of the inclusive small and micro enterprise loans, while rural financial institutions held 26.87% [3]. Policy Impact and Implementation - The notification emphasizes a shift from "incremental expansion" to "high-quality development" in inclusive finance, with specific targets for maintaining loan volume and stabilizing prices [4][5]. - Major commercial banks and joint-stock banks are encouraged to achieve a loan growth rate for small and micro enterprises that is not lower than the overall loan growth rate, with differentiated arrangements for regions and institutions facing greater risks [4][5]. Competitive Landscape for Banks - The notification is expected to alleviate competitive pressure on smaller banks, helping them stabilize market share and enhance operational sustainability, while also raising the bar for digital capabilities and differentiated services [6]. - Smaller banks are advised to leverage their local advantages and strengthen digital financial capabilities to reduce operational costs and improve risk management [6]. Future Directions - The notification outlines a future where smaller banks should focus on local service, enhance digital transformation, and explore new market opportunities to achieve sustainable growth in the inclusive small and micro loan sector [6].

为进一步提升辖域村民金融素养，营造安全、稳定、和谐的金融秩序，自今年5月份以来，郓城农商银 行积极行动，精心组织开展反假币、防电信诈骗、反高利贷、反非法集资等一系列普惠金融宣传活动。 这一系列举措进一步净化了农村金融环境，切实维护了金融消费者合法权益，推动普惠金融宣传常态 化，赢得了辖域广大群众的广泛好评。截至目前，该行已散发宣传折页5.61万份，受益群众达11.25万人 次。 强化组织实施，确保宣传全面覆盖 为扩大宣传覆盖面，该行与县公安局经侦支队联手开展"筑牢反洗钱防线，守护金融安全"主题宣传活 动，通过线上线下（300959）多渠道向公众普及反洗钱知识。采用悬挂条幅，摆放展板、发放宣传手 册、小礼品等宣传方式，向过往市民讲解洗钱犯罪的常见手法和危害，现场剖析近期破获的电信诈骗及 虚拟货币洗钱等典型案例，以案说法警示群众。 结合"扫街""零钱包""上门服务""客户经理驻村"等普惠活动，将反假币、防电信诈骗、反高利贷、反非 法集资宣传融入其中。员工们走进沿街商铺，向商户宣传金融知识，提醒他们警惕各类金融诈骗手段， 避免遭受经济损失。在推介"零钱包"服务时，工作人员不仅为客户提供便捷的零钱兑换服务，还向他们 ...

中国发展网讯作为区域经济高质量发展的关键支撑，河南省通许县紧扣营商环境优化主线，以金融生态 重构为抓手，创新打造金融服务新范式，通过深化政银企协同、强化普惠金融供给、精准破解融资堵 点，全县金融资源配置效率显著提升，为民营企业厚植发展沃土、激发创新动能注入强劲金融势能，走 出了一条金融赋能实体经济与营商环境互促共进的特色路径。 建高效服务机制，畅通银企对接渠道 建立"季度银企洽谈+月度政银会商"双轨制沟通平台，创新引入保险机构协同机制，邀请保险公司、有 关乡镇参与，形成"政府搭台、行业联动、全域覆盖"的常态化服务模式。2025年3月专项对接活动中实 现信贷投放18亿元，精准破解企业资金周转难题。 完善普惠金融体系，精准滴灌小微主体 组建县乡两级融资服务专班，建立"网格化走访+智能化建档"工作模式，要求各乡镇、街道及金融机构 通过实地走访、电话访问等方式，在全县范围开展"千企万户大走访"活动，全方位摸排小微企业、个体 工商户等经营主体融资需求。充分发挥小微企业融资协调机制作用，畅通小微企业融资渠道，对筛查出 符合条件的企业向各家金融机构推荐，引导金融机构，对小微企业应贷尽贷，开发专项信贷产品包，同 比提升小微企 ...