面对国家扩大内需、促进消费升级的政策导向以及日益趋严的监管环境，多家消费金融公司纷纷明 确2026年发展路径。以普惠金融深耕民生需求，以科技创新破解发展难题，在平衡规模与质量、效率与 安全中探寻可持续发展之道，成为行业共识。 普惠深耕：锚定民生需求 合规护航消费提振 消费是经济增长的"压舱石"，消费金融则是连接金融与消费的重要纽带，在激发消费潜力、服务实 体经济中扮演着关键角色。 2025年，国家将拉动内需作为经济增长的关键抓手，一系列支持消费升级、扶持小微企业、激活下 沉市场的政策相继出台。近日，商务部等部门联合印发提振消费相关通知；财政部在近日召开的全国财 政工作会议上明确2026年将大力提振消费、实施专项行动；2026年中国人民银行工作会议上提到要"用 好服务消费与养老再贷款，推动加大服务消费领域信贷投放"。 一系列政策及工作部署形成"组合拳"，为扩大内需注入动力，也为消费金融公司的普惠实践提供了 广阔空间。 经历了从粗放增长到精耕细作的转型阵痛，2026年，消费金融行业站在转型深化的关键节点。 业内专家表示，在政策护航下，2026年消费信贷发展将呈现以下趋势：一是金融机构服务下沉，覆 盖三四线城市及县 ...

聚焦新动能：科技创新驱动新质生产力 以科技创新为核心驱动力的新质生产力，是推动高质量发展的内在要求和重要着力点。中央经济工 作会议将"坚持创新驱动，加紧培育壮大新动能"列为2026年经济工作重点任务之一。多地"新年第一 会"不约而同地将科技创新和产业升级放在首位。 浙江省强调要在加快建设创新浙江、因地制宜发展新质生产力、构建浙江特色现代化产业体系上进 一步攻坚突破，并在新年伊始召开了科技系统工作推进会。会议提出要力争实现"一个突破"，即到2030 年，创新浙江建设、现代化产业体系构建实现重大突破，并提出"教育强省、科技强省、人才强省、浙 江特色现代化产业体系基本建成"的主要目标，为科技未来发展锚定方向。 湖北省继2025年后再次将"新年第一会"的主题聚焦在科技创新领域，召开了2026年湖北省科技创新 大会。会议明确提出，要更大力度实施科创引领战略，把湖北打造成为原始创新策源高地、新质生产力 发展高地、"近悦远来"人才高地、创新生态示范高地。 会上，湖北省委书记王忠林向2025年度省科学技术突出贡献奖获得者颁奖，传递出"发展新质生产 力，人才是第一资源"的强烈信号。 "要把发展经济的着力点放在实体经济上，强化科 ...

Core Viewpoint - The third "Spark" Innovation and Creativity Competition in Liaoning Province has commenced, focusing on the theme "Unlimited Spark, Boundless Innovation," with nearly 400 quality projects participating [1] Group 1: Event Overview - The competition is co-hosted by multiple provincial departments, including the Provincial State-owned Assets Supervision and Administration Commission, the Provincial Department of Science and Technology, and others [1] - The event aims to build a collaborative innovation ecosystem that integrates industry, academia, and research, emphasizing technological innovation and deep integration with industry [1] Group 2: Participation and Scope - This year's competition has expanded its participant base to include universities, research institutions, and medical organizations for the first time, enhancing the gathering of innovative resources [1] - A total of nearly 400 projects have been collected over two months, covering ten major fields such as high-end manufacturing, new energy, and new materials [1] Group 3: Key Directions and Evaluation - The competition focuses on four key directions: intelligent transformation, digital transformation, high-end breakthroughs, and green development, showcasing innovation achievements in critical core technologies and industrial upgrades [1] - A diversified evaluation format combining "roadshow presentations and on-site defense" will be used to identify high-quality innovative projects with technological leadership, market competitiveness, and regional influence [1]

Group 1 - The provincial secretary emphasized the need to integrate technological and industrial innovation to enhance enterprise quality and efficiency, aiming to cultivate new advantages and momentum [1] - The focus is on strengthening R&D cooperation in emerging fields and key technologies, particularly in robotics and automotive sectors, to open up market opportunities [1] - The importance of precise service for key enterprise projects and improving resource guarantee levels to support enterprise growth was highlighted [1] Group 2 - The development of high-quality residential projects is being promoted to meet diverse housing needs and establish a new model for real estate development [2] - There is a strong push to stimulate consumption and support major project investments to stabilize investment scales in key areas, thereby invigorating private investment [2] - The implementation of industrial economic initiatives is prioritized to optimize and upgrade industries, while ensuring social stability and safety [2]

1月13日下午，省长刘小涛在省科协第十一次代表大会上作经济形势报告。 刘小涛强调，奋进"十五五"、建功新征程，科技工作使命重大。要心系"国家事"、肩扛"国家责"， 坚决扛起国家科技创新格局中勇担第一方阵使命，坚持"四个面向"、勇攀科技高峰，加强原始创新和关 键技术攻关，深化创新高地和创新平台建设，推动创新企业加速涌现，在人工智能赛道跨越赶超，着力 营造一流创新生态和科研环境，加快打造具有全球影响力的产业科技创新中心。全省各级政府要高度重 视科技工作，支持广大科技工作者大力弘扬科学家精神、企业家精神，支持各级科协组织发挥桥梁纽带 作用，为推进中国式现代化江苏新实践提供坚强有力的科技支撑。 省科协主席陈骏主持报告会。 刘小涛回顾总结了全省"十四五"时期和过去一年的各项工作，向全省各级科协组织和广大科技工作 者致以衷心感谢。他说，"十四五"时期是江苏发展历程中极不平凡的五年，我们牢记习近平总书记谆谆 嘱托，坚决扛好经济大省挑大梁责任，推动高质量发展继续走在前列，"强富美高"新江苏现代化建设取 得重要阶段性成果。成绩的取得，根本在于习近平总书记领航掌舵，在于习近平新时代中国特色社会主 义思想科学指引，是省委带领下全省 ...

1月13日，江苏省科学技术协会第十一次代表大会在南京开幕。省委书记、省人大常委会主任信长星出席并讲话，中国科协副主席尤政宣读中国科协贺 信。省长刘小涛、省政协主席张义珍出席。 信长星代表省委、省人大常委会、省政府、省政协向大会召开表示祝贺，向全省广大科技工作者致以诚挚问候，向长期以来关心支持江苏发展的中国科 协表示衷心感谢。在充分肯定过去五年全省科协工作取得的成绩后，信长星指出，新征程上，要深入学习贯彻习近平总书记关于科技创新的重要论述和对江 苏工作重要讲话精神，勇挑重担、勇攀高峰，加快建设高水平科技强省，为谱写"强富美高"新江苏现代化建设新篇章作出新的更大贡献。希望全省广大科技 工作者坚持"四个面向"，积极投身全省"一中心一基地一枢纽"建设，增加高质量科技供给，促进科技成果高效转化，在推动科技创新和产业创新深度融合、 助力打造发展新质生产力的重要阵地上再立新功；着力推动知识供给与科技发展、社会需求紧密衔接，甘做提携后学的铺路石和领路人，多为完善科技创新 体制机制建言献策，在发挥关键力量作用、推进教育科技人才一体发展上再立新功；自觉以提高全民科学素质为己任，普及科学知识，传播科学思想，倡导 科学方法，在推动科 ...

会议强调，市个私协要坚持政治引领，推进个体私营企业党建全覆盖，加强对网约配送员群体的关心凝聚，实现"党建强、发展强"。要紧扣服务个体私营企 业健康发展核心任务，不断创新服务举措，助力企业增强内生动力与发展信心。要引导企业发扬敢为人先、坚守实业、精益求精的精神，增强发展韧性与竞 争力，输出更多"东莞经验"，为全省高质量发展贡献更多力量。 年会现场举行了东莞市个私协会东莞优品发展联盟启动仪式。协会与民生银行东莞分行达成战略合作，提供100亿元专项授信，为企业发展注入更多"金融活 水"。莞光彩投资公司与清凤食品、香港添添集团、梵尼诗留声机等项目进行投资签约，积极助力本土优质产品品牌做大做强。 会议指出，市个私协要加强党建引领，建强党建阵地，推动党建与企业发展深度融合；构建全方位、多层次、专业化服务体系，畅通诉求反映渠道，协助企 业解决实际问题；引导企业履行社会责任，投身数字经济、人工智能等新兴领域，助力东莞产业结构优化升级。 会议要求，市个私协要进一步发挥桥梁纽带作用，搭建中小微企业共融共生发展平台，深度参与东莞优品宣传推广，做实"莞光彩"服务品牌，让协会真正成 为企业发展的坚强后盾。希望广大个私企业锚定"智创优品 ...

Group 1: Economic Policy Signals - The Chinese government is focusing on four key policy signals for 2026: stabilizing growth, expanding domestic demand, supporting technological innovation, and stabilizing the real estate and stock markets [1][2] - Various ministries are actively promoting early policy implementation to ensure a smooth start to 2026, including the early issuance of project lists and investment plans [1][2] Group 2: Fiscal and Monetary Policy - The 2026 fiscal policy will continue to be proactive, with an expanded fiscal spending plan and optimized government bond tools to enhance effectiveness [2][3] - The People's Bank of China will maintain a moderately loose monetary policy, with expectations of a 25-50 basis point reduction in the reserve requirement ratio and a 10-20 basis point decrease in the 7-day reverse repo rate [3][4] Group 3: Consumption and Investment - Measures to boost consumption include optimizing the trade-in policy for consumer goods and expanding service consumption, while investment will be supported through various government funding initiatives [5][6] - The government plans to implement a consumption upgrade policy, providing subsidies for trade-ins of automobiles, home appliances, and digital products [6] Group 4: Real Estate Market Stability - The 2026 strategy includes stabilizing the real estate market through targeted policies, such as controlling new supply and utilizing existing housing stock for affordable housing [11][12] - Major cities are expected to further relax housing purchase restrictions and lower mortgage costs to stimulate housing demand [12] Group 5: Emerging Industries Development - The government aims to enhance technological innovation capabilities and support the growth of emerging industries such as integrated circuits, new materials, and biomedicine [8][9] - A new venture capital fund has been established to attract investment in high-tech sectors, with an expected total investment scale exceeding one trillion yuan [9] Group 6: Innovation-Driven Growth - The focus for 2026 will be on building an innovation-driven growth model, emphasizing the integration of short-term policies with long-term structural reforms [10]

Core Viewpoint - The Chinese government is focusing on stabilizing economic growth, expanding domestic demand, supporting technological innovation, and stabilizing the real estate and stock markets as it prepares for the economic goals of 2026, the first year of the 14th Five-Year Plan [1][2]. Economic Policy Initiatives - Various ministries are implementing proactive macroeconomic policies, including enhancing economic monitoring, improving policy tools, and ensuring effective fiscal and monetary policy coordination [2]. - The fiscal policy for 2026 will be more active, with an expanded fiscal spending plan and optimized government bond tools to enhance local financial capabilities [2][3]. - The People's Bank of China will maintain a moderately loose monetary policy, focusing on high-quality economic development and reasonable price recovery, with expectations of a 25-50 basis point reduction in the reserve requirement ratio [2][3]. GDP and Fiscal Projections - The GDP growth target for 2026 is expected to remain around 5%, with a fiscal deficit rate holding steady at 4% and an increase in special bonds to 4.8 trillion yuan [3][4]. - The broad deficit scale is projected to rise from 11.86 trillion yuan in 2025 to approximately 12.45 trillion yuan in 2026, corresponding to a broad deficit rate increase from 8.4% to 8.5% [3]. Consumer and Investment Stimulus - The government aims to boost consumption through practical measures, including optimizing the trade-in policy for consumer goods and expanding service consumption [5][6]. - Investment will be supported through various government funding initiatives, including the issuance of special bonds and increased central budget investments [5][6]. Real Estate and Stock Market Stability - Policies will focus on stabilizing the real estate market through targeted measures, including optimizing housing purchase policies and promoting the use of existing housing for social needs [12]. - The central bank will work on mitigating financial risks in key areas and enhancing market confidence through specific monetary policy tools [13]. Emerging Industry Development - There is a strong emphasis on fostering new and emerging industries, including integrated circuits, new materials, and artificial intelligence, with significant investments planned in these sectors [8][9]. - The establishment of the National Venture Capital Guiding Fund aims to attract substantial investment in high-tech fields, with an expected total investment scale exceeding one trillion yuan [9]. Innovation-Driven Growth - The focus for 2026 will be on building an innovation-driven growth model, enhancing the modern industrial system, and promoting technological self-reliance [10].

□本报记者 陈浩 祁道鹏 新年伊始，中原大地重点项目建设热潮涌动，国内最大的体外诊断产业园在郑州经开区加速成型。 1月13日，记者走进安图生物体外诊断产业园三期项目建设现场，热火朝天的施工场景扑面而来：主体 建筑全部竣工，内部装修紧张推进，部分员工已抢先入驻办公。 安图生物专注于体外诊断试剂和仪器的研发、制造、整合及服务，产品覆盖免疫、微生物、生化等全检 测领域，更在测序、质谱等精准诊断赛道抢先布局。截至目前，该公司产品已进驻全国2600多家三级医 院，覆盖率达64.8%；二级及以上医院终端用户超6700家，产品还远销全球100多个国家和地区，稳稳 跻身国内行业第一梯队。 在安图生物仪器生产中心，自动化流水线高速运转，机械臂精准操作，技术工人轻点屏幕，全流程数据 一目了然。"核心技术攥在自己手里，要让中国智造惠及更多患者！"张瑞峰语气坚定。 作为国内第一家在上交所主板上市的体外诊断领域研发制造型企业，安图生物连续多年研发高投入，既 啃下了技术攻关的"硬骨头"，又收获了产业升级的"甜果实"。 "十四五"期间，安图生物研发投入累计超30亿元，研发费用占比连续多年超14%，研发强度稳居行业第 一梯队。目前，公司拥有 ...