此外，为切实降低企业融资负担，该行不仅提供了具有市场竞争力的贷款利率，还主动承担了多项相关 费用，并推广"随借随还"、"无还本续贷"等业务模式，全力帮助企业降低综合融资成本，缓解资金周转 压力。 未来，该行将继续聚焦科技金融、绿色金融、普惠金融、养老金融、数字金融"五篇大文章"，以更开放 的姿态和更高效的金融服务，为区域内小微企业注入源源不断的金融活水，共同助力济宁市实体经济高 质量发展。 近日，兴业银行济南分行成功为某建设工程有限公司发放了一笔700万元的贷款，以高效、便捷的金融 服务，有效解决了该企业在承接新工程项目时面临的原材料采购资金短缺问题，为其发展注入了坚实的 金融动力。 该建设工程有限公司是济宁市一家经营多年、信誉良好的小微建筑企业。随着市场机会的增加，企业计 划扩大业务规模，但周转资金的压力也随之而来。了解到企业的实际困境后，兴业银行济南分行主动对 接，根据企业的经营特点和资金需求，快速定制了融资方案，并及时完成了贷款审批与发放流程。 这笔贷款是兴业银行济南分行深耕普惠金融、服务实体经济的一个缩影。该行始终将服务小微企业作为 全行战略规划的重要部分，通过单列信贷额度确保资源精准投向小微企业。针 ...

金融服务不仅是经济运行的"血脉"，更是连接民生福祉的"纽带"。《中国普惠金融指标分析报告（2024—2025 年）》显示，我国普惠金融高质量发展水平不断提高。截至2024年末，普惠小微贷款余额32.93万亿元，同比增长 14.6%，比各项贷款增速高7个百分点。从破解科技型小微企业融资难的问题，到助力民营小微经营主体纾困，从打 通涉农领域服务堵点，到保障特殊群体金融权益，北京普惠金融发展始终紧扣"金融为民"初心，锚定实体经济与民 生福祉双维度发力，兼具区域特色与普惠属性的金融服务生态，为首都经济社会高质量发展筑牢金融根基。 始终坚持服务实体经济主基调，中国工商银行北京市分行聚焦小微企业融资难融资贵问题，坚持普惠金融线上化、 智能化、集约化、生态化的发展路径。该行深入应用数字技术，以"数据+模型"描绘小微企业画像，推出"伙伴e 贷"线上产品；积极推进普惠金融与科技金融融合发展，以"专精特新信e贷"专项产品精准服务小微科技企业；围绕 稳链固链，打造供应链金融特色平台，以"收付管融"一体化服务，促进链上大中小微企业融通发展。 在扩内需、促消费方面，工行北京分行紧扣《北京市深化改革提振消费专项行动方案》，积极拓展新兴消 ...

中信金租业务发展部负责人邓佳 中经记者 石健 北京报道 在金融服务实体经济的背景之下，近年来，金融租赁公司都在围绕服务实体经济进行转型。对于中信银 行旗下的全资子公司，中信金租如何进行定位和转型，邓佳表示，中信金租是中信集团服务实体经济的 一个重要金融板块的延伸。从做好金融"五篇大文章"的角度说，公司自2015年成立至今，经历了10年的 发展，逐步构建了"政策+机制"导向的产品定位，以及"数字+风控"的结构性支撑体系。 近年来，金融监管机构不断引导金融租赁公司聚焦主责主业，发挥特色金融功能，规范开展融资租赁业 务，提升服务实体经济高质量发展的能力和水平。 2025年12月9日，由《中国经营报》主办的"新跨越 新征程 2025卓越竞争力金融论坛"上，中信金融租赁 有限公司（以下简称"中信金租"）业务发展部负责人邓佳表示，金租公司的定位离不开扎实做好金 融"五篇大文章"，同时要主动服务新质生产力，在做好人员、产品、梯队建设外，还需要加强自身的科 技实力，通过科技赋能的手段，来提升金租的风险识别能力。 "五篇大文章"为转型之基 "从政策和机制方面看，2020年，中信金租开启了结构性转型，经过5年的发展，我们切实做到 ...

Core Insights - The People's Bank of China and Agricultural Bank of China launched a joint initiative to promote the "Small and Micro Enterprises Fund Flow Credit Information Sharing Platform" to local small and micro enterprises, receiving positive feedback from government and business leaders [1][3] Group 1: Platform Overview - The platform aims to address the financing difficulties faced by small and micro enterprises by analyzing account transaction data to facilitate credit approvals without the need for collateral [1][4] - As of the end of November, the Agricultural Bank of China in Luoyang has processed 253 inquiries through the platform and provided credit support to 98 enterprises, with a total loan approval amount exceeding 760 million yuan [4] Group 2: Impact on Local Economy - The promotional activities have increased awareness and willingness to use the platform among small and micro enterprises in the county, helping them to showcase their operational strength and improve access to financing [4] - The bank's representative emphasized the commitment to integrating platform promotion with financing services to enhance the financing capabilities of small and micro enterprises, thereby supporting sustainable economic development [4]

Core Viewpoint - The 20th Central Committee's Fourth Plenary Session outlines a grand blueprint for the "15th Five-Year Plan" period, emphasizing the importance of financial work in supporting China's modernization and national rejuvenation efforts [1] Group 1: High-Level Opening and International Cooperation - The company recognizes the need for a capital bridge to facilitate the new domestic and international economic collaboration, positioning itself as a leader in this dual circulation [2] - The company has completed over 3 trillion yuan in overseas equity financing and over 4.2 trillion yuan in offshore bond financing, serving approximately 5,500 overseas institutional clients [2] - The company has introduced nearly 160 billion yuan in foreign capital this year, enhancing international cooperation and promoting efficient cross-border capital flow [2] Group 2: Capital Market Development - The company has actively promoted high-level capital market openness, assisting in the establishment of international consensus and facilitating cross-listings [3] - It has launched a 1 billion yuan investment fund for economic and trade development between China and Portugal, and participated in high-profile economic and financial forums in Japan and Singapore [3] - The company has supported the issuance of the first RMB bond in Central Asia and has been a leader in issuing RMB government bonds in Macau [3] Group 3: Financial Services for the Real Economy - The company is committed to enhancing financial services for the real economy, focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [4][5][6] - It has supported technology innovation projects exceeding 1 trillion yuan and established multiple thematic funds totaling over 36 billion yuan [4] - The company has managed over 180 billion yuan in pension assets and has been recognized for its leadership in social security services [5] Group 4: Strategic Development and Future Goals - The company aims to align its strategy with the national "15th Five-Year Plan," enhancing its role as a leading international investment bank [7][8] - It will focus on serving the real economy, supporting technological innovation, and promoting green transformation [8] - The company plans to strengthen its global presence and act as a bridge for Chinese enterprises going abroad, enhancing its competitiveness in the international financial landscape [8][9] Group 5: Risk Management and Innovation - The company emphasizes the importance of risk management as a lifeline, developing a comprehensive risk management system to ensure stability in the financial market [9] - It aims to foster innovation and improve corporate governance, enhancing internal vitality through optimized incentives and talent development [9]

"眼看着大订单找上门，我们却因下游货款没及时回来，流动资金根本周转不开，原有贷款额度也不 够，差点就放弃订单了。"湖南怀化市中方县华建工贸有限责任公司负责人回忆说，"没想到邮储银行 （601658）怀化分行这么快就满足了我们的需求。短短三天时间，500万元贷款就到账了，解了燃眉之 急，让我们接下新订单，能有底气安排后续生产、稳定供应。" 日前，该公司在成功对接新订单后，因下游回款延迟而出现短期资金吃紧，原有200万元授信已无法覆 盖生产需要。邮储银行怀化分行在常态化走访中了解到该企业的现实困难，迅速启动专项融资服务流 程，秉持"服务小微、不减速度、不降门槛"的理念，依托大数据风控模型对企业经营状况进行多维度评 估，并结合线下实地核查，全面把握企业真实营收与订单有效性。经综合研判，邮储银行主动协调担保 公司，成功将企业授信提升至500万元，并在3个工作日内实现放款，高效化解了企业生产中的迫切难 题。 "我们这类制造型小微企业很多时候不是没订单，而是被资金卡住了脖子。"该企业负责人感慨地 说，"邮储银行不仅放款快，服务也贴心，真正做到了为我们'撑腰'。" 邮储银行怀化分行持续优化"线上+线下"一体化服务模式，强化 ...

更具创新性的是"业务导师+营销导师"双轨带教模式。在新员工首季度培养中，该行派出双导师指导新 员工完成超450户实地走访，并实现落地6户以上、贷款金额超200万元的实战成果，显著加速了新人的 业务理解和风险识别能力培养过程。这套可复制的培养体系，为该行小微金融业务的快速规模化扩张奠 定了坚实的人才基础。 面对小微企业"缺抵押、缺报表、缺信用"的传统融资困境，如何实现可持续的普惠金融服务？江南农商 银行通过构建"人才培养体系化、业务模式场景化、经营管理数字化"三位一体的发展模式，不仅有效破 解了自身在服务小微过程中"能不能做""有没有市场"和"愿不愿做"的核心命题，更为区域小微企业的成 长精准注入了金融活水。截至今年10月末，该行小微贷款余额已突破27亿元，服务客户超2500户，资产 质量保持优异。 体系化赋能：破解"能不能做" 人才是普惠金融可持续的核心。近年来，江南农商银行打破传统的"师带徒"模式，建立了一套覆盖员工 全职业周期的分层培养体系，旨在系统性解决客户经理"不会贷、不敢贷"的能力瓶颈。 该行针对新员工实施"新羽计划"，通过标准化课程与实战模拟，使其能在30天内学会独立完成基础贷前 调查，上岗效率提 ...

Core Viewpoint - The event "Iron Fans Dream Day" organized by Zhaolian Consumer Finance Co., Ltd. successfully combined emotional connection with innovative consumption scenarios, promoting inclusive finance and enhancing consumer experience [1][5]. Group 1: Event Highlights - The event featured a theme of "Time Travel and Romantic Journey," offering cultural experiences and emotional interactions, allowing participants to wear exquisite Republic of China costumes and engage in dance activities [3]. - Participants enjoyed a special tour at Shanghai Disneyland, creating memorable moments in a fairy-tale setting, reflecting Zhaolian's commitment to user care [3][6]. Group 2: User-Centric Initiatives - Zhaolian emphasizes that inclusive finance is not just about providing quality financial services but also about accompanying users in their growth and safeguarding family happiness [5]. - The company has organized various activities in 2023, such as events for new citizens and trustworthy users, fulfilling the expectations of hundreds of users and making financial services more human-centered [5][10]. Group 3: Collaborative Efforts - Zhaolian collaborated with China Unicom to enhance user experiences, offering unique activities like old photo printing and interactive fitness sessions, showcasing the synergy between the two companies [8]. - The partnership has previously launched a "0% interest installment purchase" program, benefiting over 100,000 consumers and demonstrating the potential for consumer spending [8]. Group 4: Future Plans - Zhaolian plans to continue the "Iron Fans Dream Day" and similar initiatives in cities like Shanghai and Guangzhou, aiming to integrate financial services with emotional needs and diverse consumption scenarios [10]. - The company will leverage its "finance + technology" advantage to innovate inclusive service models in various sectors, including culture, tourism, health, and home improvement [10].

Core Viewpoint - China Orient's Chongqing branch has effectively supported the local economy by providing inclusive financial services, helping stabilize operations for nearly 200 small and micro enterprises and addressing employment for around 2,000 individuals [1][4]. Group 1: Financial Support and Economic Impact - The company has successfully facilitated the transition of two commercial properties, Xingguang Tiandi Mall and Chayuan Aoyuan Plaza, which are strategically located to serve local residents [2][3]. - Through judicial disposal, the company acquired these properties as debt collateral, addressing tenant concerns regarding rental agreements and operational stability [2][3]. - The financial support provided has resulted in a stable operating cash flow for both malls, with occupancy rates exceeding 90% as of June 2025 [4]. Group 2: Strategic Measures and Tenant Engagement - The company implemented a series of measures including rent reductions, promotional activities, and operational guidance to boost tenant confidence and ensure business continuity [3]. - A professional management team was deployed to oversee operations and optimize business formats, alleviating concerns for tenants [3]. - Direct communication with tenants was prioritized, ensuring the continuity of rental agreements and addressing legal concerns related to debt [3]. Group 3: Community and Social Responsibility - The company has contributed to community welfare by establishing a 24-hour free public reading room at Xingguang Tiandi Mall, which has attracted over 100 visitors daily [4]. - The financial support extended to the malls is a demonstration of the company's commitment to social responsibility and the service of the real economy [4]. - Future plans include further integration of financial resources to enhance risk management and support local economic development in alignment with national strategies [4].

Core Viewpoint - The articles emphasize the importance of financial support for individual businesses and small enterprises, highlighting how timely and accessible financial services can empower these entities to thrive in challenging economic conditions [1][2][3] Group 1: Financial Accessibility - Many individual entrepreneurs and small businesses face barriers to accessing financial services due to stringent loan approval requirements, which can exclude them from necessary funding [1] - Small-scale operators often have sudden and urgent financial needs for tools or raw materials, which can hinder their business operations if not addressed promptly [1] Group 2: Impact of Financial Support - Effective financial support is characterized not by the size of the funding but by the precision of timing and the personalized approach to service [2] - Small loans without complex collateral requirements can significantly enhance production capacity for family-run businesses, while timely cash assistance can help vendors manage customer transactions more smoothly [2] Group 3: Broader Economic Implications - The vitality of a marketplace is reflected in small changes, such as longer queues at stalls and increased product variety, which collectively enhance the economic environment and create more job opportunities [3] - Financial services are evolving to become more accessible and reliable for small business owners, thus playing a crucial role in maintaining economic fluidity and societal vitality [3]