据悉，作为本次合作的重要成果，"鹏城助康贷"专项普惠金融产品旨在精准破解残疾人康复服务机构在 运营发展中面临的融资难题，通过提供专属信贷额度、优惠利率政策和绿色审批通道，为助残事业发展 提供坚实动力。 现场还举行了首批合作机构签约活动，交通银行深圳分行与多家助残机构达成合作意向，将为首批受益 机构提供及时、便捷的金融支持。 通银行深圳分行与深圳市残联签约。主办方供图 人民网深圳12月8日电 (王星)近日，交通银行深圳分行与深圳市残疾人联合会进行战略合作签约，发 布"鹏城助康贷"专项普惠金融产品，推动普惠金融与助残事业深度融合，为助残企业及康复机构提供精 准、可持续的金融服务支持。 交通银行深圳分行行长江洲表示，此次合作是分行践行社会责任、推动普惠金融下沉的关键一步。该行 将持续深化与深圳市残联及各类助残机构的协作，不断完善"鹏城助康贷"产品体系、拓宽服务覆盖范 围，探索更多元精准的助残金融解决方案，为全国助残金融合作提供可复制的"深圳经验"。 交 ...

Core Insights - Inclusive finance is transitioning from "incremental expansion" to "quality improvement and efficiency enhancement," becoming a key topic in the financial sector to fulfill social responsibilities and stimulate market vitality [1][3] Group 1: Current Trends in Inclusive Finance - The financial needs of small and micro enterprises, individual businesses, rural areas, and vulnerable groups represent both a "pain point" for the real economy and a "focal point" for inclusive finance [3] - A multi-layered support system for inclusive finance has been established, covering monetary policy tools, fiscal interest subsidies, and differentiated regulatory assessments [3] - Innovations from various financial institutions, including banks and consumer finance companies, are enhancing the service efficiency of consumer finance [3][4] Group 2: Challenges and Market Dynamics - The banking sector is experiencing pressure from market changes, with challenges in identifying new clients and increasing competition leading to a saturated market [4] - Insurance companies face difficulties in accurately pricing inclusive health insurance products due to a lack of data support [4] - The consumer finance sector is caught in a dilemma of "internal competition and risk coexistence," with some institutions lowering loan rates and relaxing risk control standards to capture market share, leading to issues like "multiple borrowing" and "over-lending" [4] Group 3: Future Directions and Events - The 2025 Beijing Financial Forum special report on inclusive finance will be released, addressing the latest policy directions and showcasing breakthroughs in product design and service models across various financial institutions [4] - The forum will also feature discussions on how to navigate the "red sea" of competition and explore new opportunities in consumer finance, leveraging advanced technologies like big data and artificial intelligence [6][9] - The next decade is expected to focus on the reconstruction of inclusive finance, emphasizing "precision," "sustainability," and "ecosystem" development [9]

Core Viewpoint - The financing needs of small and micro enterprises are increasingly characterized by "short, small, frequent, and urgent" demands, necessitating efficient and convenient financial services to support liquidity and competitiveness [1] Group 1: Product Innovation - WeBank launched the first online unsecured working capital loan product "Weiyedai" in 2017 to effectively meet the financial needs of small and micro enterprises [1] - "Weiyedai" features include no collateral required, no paper documentation needed, flexible borrowing options, and 24/7 online approval, quickly becoming a new financing choice for small enterprises [1] Group 2: Risk Control System - WeBank has established a dual-dimensional digital risk control system that integrates personal credit data of business owners with operational data of enterprises [3] - The pre-loan credit assessment system utilizes credible third-party data from tax, business, credit, judicial, and electricity sources to evaluate the creditworthiness of enterprises [3] - The system includes models for behavior scoring and monitoring during and after the loan process to address issues of information asymmetry and credit assessment difficulties [3] Group 3: Impact and Reach - As of June 2025, "Weiyedai" has reached 30 provinces/regions, with over 6 million enterprise customers applying and a cumulative credit amount of 1.7 trillion yuan [5] - More than 70% of customers have annual revenues below 10 million yuan, and about 50% are first-time borrowers with no prior credit history [5] - The data highlights that "Weiyedai" significantly enhances the accessibility of financing for small and micro enterprises, promoting inclusive finance [5]

Core Viewpoint - The Guangdong "14th Five-Year" planning proposal emphasizes the strategic role of finance in supporting technological innovation, industrial upgrading, and high-quality development, integrating finance into the construction of a strong technological province [1][3]. Financial Strategy and Innovation - Finance is positioned not just as a resource allocation tool but as a core engine driving technological self-reliance and new development momentum [3]. - The proposal outlines a comprehensive innovation chain that includes "basic research + technological breakthroughs + results transformation + technology finance + talent support" to enhance regional innovation system efficiency [3]. Investment and Capital Development - The document details the creation of an innovative entrepreneurial investment and financing system, fostering high-quality venture capital institutions, and guiding capital towards early, small, long-term, and hard technology investments [3][4]. - It emphasizes the need for collaboration between finance, fiscal policy, and state-owned assets to strengthen government investment fund systems and enhance the effectiveness of fund utilization [4]. Financial Sector Growth - The proposal envisions the construction of a "financial strong province," promoting the development of technology finance, green finance, inclusive finance, pension finance, and digital finance [4]. - It encourages national financial institutions to increase resource allocation in Guangdong and deepen strategic cooperation with large domestic and foreign financial institutions [4]. Market and Investment Dynamics - The proposal aims to leverage government investment to stimulate private sector participation in major projects, enhance private investment activity, and increase the proportion of private investment [4]. - It calls for reforms in the investment and financing system to broaden diversified investment channels and establish a market-driven investment growth mechanism [4]. Risk Management - The proposal highlights the importance of preventing and mitigating risks associated with real estate and small financial institutions to maintain economic and financial security [4].

普惠金融一头系着社会大众对美好生活的向往，一头连着国民经济发展大局，是金融服务实体经济 的"毛细血管"，更是推动共同富裕的重要纽带。中央金融工作会议明确将普惠金融列为"五篇大文章"之 一，凸显了其赋能实体经济的重要作用。 多年来，宁波银行坚守"金融为民"初心，以"真心对客户好"的服务理念，打破传统信贷边界，构建起了 多层次、立体化的普惠金融综合服务体系。从为小微企业量身定制信贷产品破解融资困局，到以数字化 工具优化企业经营管理，再到用开放化平台链接产业生态资源，宁波银行完成了从"资金输血"到"综合 赋能"的跨越，正书写着普惠金融的新篇章。 以"小微贷"为例，该产品依托大数据，整合企业纳税、水电费缴纳、交易流水等多维信息进行精准画 像，构建科学信用评价体系，替代传统抵押物成为授信核心依据。据了解，"小微贷"最高可提供300万 元信用额度，实现了快速审批、快速放款，极大提高了企业的融资效率。数据显示，仅2025年上半 年，"小微贷"就为超过2万家小微企业提供超380亿元的信贷支持，有效满足了小微企业的流动资金需 求。 浙江余姚某茶厂正是"小微贷"受益者之一，其主营粗制茶加工，年销售额逾500万元。正值春茶收购黄 ...

Core Viewpoint - The Chinese banking industry is experiencing a significant wave of closures and mergers, particularly among small and medium-sized banks, driven by regulatory pressures and deteriorating profitability [3][4][12]. Group 1: Current Trends in Banking - As of November 28, 2025, 368 banks have been deregistered due to regulatory approvals for mergers or dissolutions, surpassing the total for the previous year and indicating a rapid acceleration in closures [2][4][5]. - The trend shows a stark increase in closures: 27 in 2022, 64 in 2023, 192 in 2024, and over 300 in 2025 within less than a year [5]. - Village banks are particularly affected, with several merging into larger banking institutions, marking a shift in the banking landscape [6][8]. Group 2: Reasons for Bank Closures - The primary reason for the closure of small banks is the continuous decline in profitability, exacerbated by macroeconomic factors such as slowing economic growth, real estate market risks, and the impact of the pandemic [12][18]. - Traditional profit models of small banks, heavily reliant on real estate and local infrastructure, are collapsing, while new economic sectors are less accessible to these banks [13][14]. - The net interest margin for small banks has significantly decreased, with rural commercial banks reporting a net interest margin of 1.72% in Q2 2024, while the non-performing loan ratio reached 3.14%, indicating unsustainable operations [15][18]. Group 3: Impact on Inclusive Finance - The closures raise concerns about the future of inclusive finance, particularly for grassroots entrepreneurs in rural areas who rely on local banks for credit [9][26]. - Small banks previously served as a crucial financial resource for individuals without substantial collateral or credit histories, facing challenges in accessing traditional financing [26][31]. - As of the end of 2024, small banks held total assets of 57.91 trillion yuan, with agricultural loans amounting to 13.11 trillion yuan, highlighting their role in supporting rural economies [27]. Group 4: Future of Banking Services - The restructuring of small banks is not merely a reduction but aims for quality improvement, with larger banks stepping in to fill the service gap [31][34]. - Large banks are increasingly focusing on rural financing, with a significant rise in the proportion of inclusive loans from state-owned banks, which increased by 19.3% from 2019 to 2025 [35][38]. - The competitive landscape is shifting, with large banks offering lower interest rates and better services, enhancing the overall quality of financial services available to consumers [38][44]. Group 5: Consumer Implications - Depositors need not worry about the safety of their funds, as larger banks will inherit the assets and liabilities of the dissolved small banks [40][42]. - The entry of larger banks into rural markets is expected to lower loan rates, benefiting borrowers significantly [43][44]. - The digital transformation brought by larger banks will improve service efficiency and accessibility, addressing previous shortcomings of small banks [44][46].

人民财讯12月8日电，中共河南省委关于制定河南省国民经济和社会发展第十五个五年规划的建议发 布，其中提到，积极推动现代金融高质量发展。做优做强金融体系，推进地方法人金融机构立足地方、 专注主业、完善治理、错位发展，支持在豫金融机构提供多元化服务。用好多层次资本市场，稳步扩大 债券发行规模，完善企业上市培育体系，提升中原股权交易中心功能作用，积极推进资金入豫，引育长 期资本、耐心资本。大力发展科技、绿色、普惠、养老、数字金融，健全同科技创新相适应的"政银担 保投"联动机制，发展绿色金融市场和碳市场，健全针对民营、小微和涉农主体的普惠金融服务机制， 加大对健康产业、养老产业等的金融支持，加强金融机构数字化转型和数字经济金融服务。健全地方金 融监管体系。完善并购、破产、置换、资产证券化等政策。 ...

Core Viewpoint - The article highlights the role of financial institutions, particularly Caixin Securities, in supporting innovative small and medium-sized enterprises (SMEs) like Diya Environment and Jiashengde through capital market access, enabling their growth and development in specialized technology sectors [6][10]. Group 1: Company Overview - Diya Environment, established in 2006, has developed a proprietary biotechnological method for treating landfill leachate, holding 33 patents and 8 software copyrights [7]. - Jiashengde is a leading domestic producer of electronic-grade specialty resins, crucial for semiconductor packaging and applications in aerospace and new energy vehicles [8][9]. Group 2: Financing Challenges - Diya Environment faced significant financing difficulties, including short-term loans for long-term projects and limited financing channels due to its asset-light model [7]. - Jiashengde also encountered funding challenges, particularly in proving its technological advantages in a highly specialized market [9]. Group 3: Capital Market Engagement - Diya Environment turned to the New Third Board (NTE) for equity financing, successfully listing in March 2023 and raising over 25 million yuan through targeted stock issuance [8]. - Jiashengde completed its NTE listing in March 2023, aided by a systematic technical validation process that helped it gain market recognition [9]. Group 4: Growth and Development - Diya Environment's growth trajectory includes multiple stages of capital market engagement, from regional equity markets to the NTE, enhancing its production capacity and market reach [10]. - Jiashengde's listing on the NTE has significantly improved its brand image and market credibility, facilitating talent acquisition and industry collaboration [14]. Group 5: Service Model of Financial Institutions - Caixin Securities has developed a comprehensive service model for innovative SMEs, providing not just financing but also governance and operational support throughout the companies' growth cycles [11][12]. - The firm has established a specialized investment fund and expanded its market services to better support the unique needs of technology-driven SMEs [11]. Group 6: Impact of Capital Market - The NTE has become a vital platform for SMEs, with 158 new companies listed in the first half of the year, marking a 50% increase year-on-year [9]. - The article emphasizes the importance of a multi-tiered capital market system in nurturing innovative SMEs, with the NTE serving as a crucial link for companies aiming for higher market levels [12][18].

（文章来源：期货日报网） 中国人民银行党委委员、副行长陆磊在年会上表示，强大的货币以币值稳定为计量标准，以全球金融市 场共识公认为客观标志，以面向智能化数字化为时代要求。人民币已体现上述特征，并具备持续提升优 势地位的潜质。期待各方利用好中国金融学会的平台，在全球金融治理改革、经济发展潜力因素、人工 智能发展影响等领域形成更多有影响力的新成果。（鲍仁） 本报讯据中国人民银行消息，12月6日上午，2025中国金融学会学术年会暨中国金融论坛年会在北京开 幕。本次年会主题为"走中国特色金融发展之路，助力中国式现代化"。 中国金融学会理事会会长易纲作题为《锚定高质量发展构建中国特色现代金融体系》的主旨演讲。他指 出，在党中央的坚强领导下，中国金融业始终坚持以人民为中心，服务经济建设和社会发展大局，实现 了历史性跨越，取得卓越成就。在全面建设社会主义现代化国家新征程中，普惠金融发展要继续体现包 容性，充分做到"以人民为中心"，坚持商业可持续的原则，以金融"活水"惠及普通百姓。绿色金融发展 要逐步减少碳排放的负外部性并不断收窄绿色溢价，以市场化方式动员社会资本积极参与，共同推动全 经济领域绿色低碳转型。 ...

截至目前，邮储银行上饶市分行已为仙山岭超50户茶农累计授信超2000万元，这一笔又一笔的金融活水 让老旧厂房升级为标准化车间，为手工制茶增添了智能化设备，将分散的小茶园整合为规模化基地，曾 经"藏在深闺"的仙山岭红茶，通过电商平台、线下经销商走向更广阔的市场。 据了解，仙山岭的红茶产业发展是铅山县茶文化的一个缩影，也是上饶市茶产业蓬勃发展的鲜活例证。 从仙山岭到整个武夷山镇，从单一的红茶种植到茶旅融合发展，邮储银行上饶市分行的金融服务从未停 歇。 该市分行负责人表示，未来将持续深化普惠金融理念，进一步优化"产业贷""极速贷""农牧贷"等产品体 系，扩大授信覆盖范围，将金融服务延伸至茶叶包装、品牌打造、乡村旅游等上下游全产业链，让更多 茶农、茶企享受到便捷、高效的金融支持，以金融力量助推茶乡振兴，让茶马古道的千年文脉在新时代 绽放更加璀璨的光彩。 （通讯员祝美玲对本文亦有贡献） ■本报记者 郑长灵 驱车前往江西省铅山县武夷山镇仙山岭，海拔千米的山间云雾氤氲，千亩茶园绿意葱茏，镌刻"茶马古 道"的青石碑静静伫立，见证着这座"闽赣茶路第一站"的千年茶韵。如今，在邮储银行上饶市分行的金 融助力下，当地茶农借助"极速贷 ...