转自：新华财经 作为全国闻名的"绿色食品之都"，齐齐哈尔依托优质的畜牧业资源，将烤肉打造成兼具品牌影响力与市 场竞争力的特色产业——众多烧烤经营主体扎根生长，成为拉动消费、带动就业的重要力量。近日，建 设银行齐齐哈尔分行推出首笔"烤肉贷"，精准"接住"了一家老牌烧烤店的旺季需求，让这缕烟火气烧得 更旺。 "多亏了建行的'烤肉贷'，现在进货、发工资都不愁了，咱能安心把烤肉生意做得更红火。"谈及这笔专 项贷款，龙沙区鲍师傅烧烤店负责人鲍志超难掩感激。这家经营多年的烧烤店除了堂食生意，店里的生 肉售卖也做得风生水起，通过线下到店选购与线上订购相结合方式，经营规模稳步扩大。鲍志超计划趁 着旺季优化店内设施、扩充备货量，进一步提升服务品质与接待能力。可扩充经营需要不小的投入，加 上旺季来临前需提前储备大量生肉、酒水等食材，员工工资和房租也集中到期支付，原本充裕的流动资 金瞬间变得紧张起来。 建设银行齐齐哈尔分行的"烤肉贷"专门针对本地烧烤商户，无需抵押，还能随借随还，为鲍志超解决了 经营中面临的问题。为了不耽误商户旺季经营节奏，该分行客户经理提供上门服务，全程"一对一"盯进 度：手把手教鲍志超在手机上填申请、拍经营流水 ...

转自：新华财经 当前，市场上支持中小微企业的融资产品体系多元，但限于自有资金规模及周转效率，一定程度上制约了对中小微企业的支持效能。而ABS凭借标准化运 作、低成本资金对接及产业链赋能优势，恰好为破解这一痛点提供了有效路径。 ABS作为融资工具，通过资产信用增级、风险分散机制，高效对接资本市场低成本资金，为产业链融资提供精准赋能。 值得一提的是，此前在上交所发行的"京东科技-京诚系列15号2期供应链保理合同债权绿色资产支持专项计划"，优先级票面利率低至1.68%，创下全市场同 期同类型产品利率新低，也充分体现了投资者对京东发行此类ABS产品的高度认可。与此同时，依托ABS融资成本优势，京东科技"京保贝"对客融资利率持 续下行，进一步让利产业链主体。 新华财经上海12月23日电（记者 杨溢仁）近日，"京东科技-京诚系列15号7期供应链保理合同债权绿色资产支持专项计划"在上交所成功发行，引发业界关 注。 据悉，该产品的计划管理人为华泰证券资管，优先级票面利率为1.76%，受到市场投资人的踊跃认购，标志着京东科技在普惠金融和绿色金融领域实现新突 破，充分展现了以供应链赋能中小微企业纾困成长、以金融工具赋能绿色发展的 ...

Core Insights - The issuance of "JD Technology - Jingcheng Series 15 No. 7 Supply Chain Factoring Contract Debt Green Asset-Backed Special Plan" on the Shanghai Stock Exchange has been successful, with a priority ticket interest rate of 1.76%, attracting significant investor interest [1] - JD Technology is actively promoting inclusive finance and has developed a diverse product matrix to support the financing needs of small and micro enterprises [2] - The ABS products are based on JD's supply chain financial technology, specifically the "Jingbao Bei" factoring financing product, which has been operational for over ten years and provides rapid financing solutions [2][3] - The ABS financing tool effectively connects low-cost capital to the supply chain, addressing the financing challenges faced by small and micro enterprises [3] - JD Technology plans to continue its efforts in supporting small and micro enterprises and green finance, with upcoming issuances of new ABS products [4] Group 1 - The Shanghai Stock Exchange aims to enhance its bond market services to support national strategies and the real economy, focusing on inclusive finance [1][5] - The ABS products have provided approximately 500 billion yuan in financing annually to over 2 million small and micro enterprises, significantly improving operational efficiency [2][3] - The issuance of JD Technology's ABS has reached approximately 16 billion yuan this year, helping alleviate financing difficulties for small and micro enterprises [3] Group 2 - The Shanghai Stock Exchange has issued over 80 billion yuan in ABS to support small and micro enterprises this year, reflecting significant growth [5] - Future plans include encouraging more market participants to innovate products and improve risk control mechanisms to further support small and micro enterprises [5]

Core Viewpoint - The event "2025 China Inclusive Finance Action" highlighted the recognition of Heng Life for its innovative practices in IoT technology and inclusive services, showcasing its strength in digital transformation and financial inclusion [1][3]. Group 1: Recognition and Awards - Heng Life received multiple prestigious awards, including "2025 New Consumption Model Brand" and "2025 High-Quality Consumption Brand TOP 100," reflecting its strong capabilities and broad recognition in digital transformation and inclusive finance [3]. - The recognition at the 14th Financial Industry Annual Evaluation Ceremony emphasizes the importance of innovation in financial services and the need for exemplary industry benchmarks to guide high-quality development [5]. Group 2: Technological Integration and Economic Impact - The integration of cutting-edge technologies like 5G, IoT, AI, and blockchain is driving a comprehensive transformation in service models and ecosystem construction, enhancing the synergy between inclusive finance and new productive forces [4]. - Digital technology serves as a crucial link between inclusive finance and public needs, facilitating the delivery of financial services to key groups such as small and micro enterprises and rural communities, aligning with national policy directions [5]. Group 3: Business Development and Strategy - Heng Life has developed a three-dimensional business matrix encompassing smart retail, green travel, and fashion entertainment, transitioning from single-point services to an ecological layout [7]. - The company has leveraged AI and IoT technologies to create a seamless shopping experience through smart cabinets, addressing the financial service needs of small business owners and individual entrepreneurs [7]. - In the green travel sector, Heng Life is addressing the "charging difficulties" associated with electric vehicles by enhancing its charging network, particularly in lower-tier cities and rural areas, thus supporting the broader adoption of green travel [8]. Group 4: Future Directions and Commitment - Heng Life aims to continue its commitment to technology innovation and service expansion, focusing on enhancing service precision and coverage, particularly in county-level and underserved markets [6]. - The company plans to deepen the integration of digital life services with inclusive finance, contributing to the development of small and micro enterprises and rural revitalization [6].

Core Insights - The Inclusive Finance Prosperity Index reached 49.36 points in November 2025, a slight decrease of 0.03 points from October, but up 0.51 points year-on-year [1] Financing Dimension - The financing prosperity index rose to 54.83 points in November, an increase of 0.14 points from October [2] - The average interest rate for newly issued loans (in both domestic and foreign currencies) was approximately 3.1%, down about 30 basis points year-on-year [2] - The balance of inclusive micro and small loans and medium to long-term loans in the manufacturing sector grew by 11.4% and 7.7% year-on-year, respectively, both exceeding the growth rate of other loans [2] Operating Dimension - The operating prosperity index slightly decreased to 48.28 points in November, down 0.07 points from October, with the decline rate narrowing compared to the previous month [3] - The performance and investment indices showed slight month-on-month increases, driven by the "Double Eleven" shopping festival, which stimulated consumer demand [3] - The business vitality index decreased by 0.13 points, indicating that market confidence among enterprises still needs to be strengthened [3] Industry Prosperity - Among nine major industries, four showed an increase in operating prosperity while five experienced a decline [6] - The construction and real estate sectors saw slight increases in their operating indices due to accelerated project construction and policy support [6] - The agriculture, industry, transportation, accommodation, and social services sectors experienced declines in their operating indices [6] Regional Prosperity - Among seven regions, four experienced an increase in operating prosperity while three saw a decline [7] - The Northeast, North China, East China, and Northwest regions reported increases in their indices, while South China, Central China, and Southwest regions saw declines [7]

Group 1 - The core viewpoint of the article highlights the increasing importance of ESG (Environmental, Social, and Governance) principles in building long-term competitive advantages for companies, with Lexin's "Believe in Small Dreams" initiative recognized as a model for corporate social responsibility [1][4] - The "Believe in Small Dreams" program, launched by Lexin's Fenqi Le Puhui, aims to support small and micro enterprises in county-level regions by linking over 10 billion yuan in funding to enhance their development [3] - The program has successfully assisted approximately 600,000 small micro users and injected financial resources into nearly 100 characteristic industrial clusters, including those in Hubei, Anhui, Hebei, and Guangdong [3][4] Group 2 - The recognition as a "2025 Public Welfare Model" underscores Fenqi Le Puhui's commitment to serving small micro enterprises and promoting inclusive finance [4] - The company emphasizes a dual capability system of "online precise risk control" and "offline direct service teams" to provide high-quality financial services to small business operators [4] - Future plans include strengthening these dual capabilities to ensure that diligent small business operators can easily access quality financial services, thereby supporting the high-quality development of the real economy [4]

Core Viewpoint - The "China Inclusive Finance Action" conference in Guangdong showcased 30 exemplary cases of innovative practices in inclusive finance, highlighting the achievements and demonstration value of the banking sector in this field [2][9]. Group 1: Digital Transformation in Inclusive Finance - Ten outstanding cases of digital transformation in inclusive finance were recognized, involving major banks such as Agricultural Bank of China and China Construction Bank, showcasing a shift from manual to intelligent review processes for more precise and efficient services [4][5]. - These institutions utilized big data and artificial intelligence to convert enterprise credit data into credit assets, significantly enhancing service efficiency [5]. Group 2: Supply Chain Finance - Five exemplary cases of inclusive supply chain finance were presented, focusing on the integration of financial resources to support small and micro enterprises through core enterprises [5][6]. - Innovations included fixed asset supply chain financing and guarantee financing services tailored to agricultural enterprises, effectively addressing financing challenges within the supply chain [6]. Group 3: Regional Characteristics in Inclusive Finance - Fifteen cases of regional characteristic inclusive finance were highlighted, with institutions developing specialized credit products to support local industries and small businesses [8][9]. - Notable innovations included a loan linked to industrial wastewater treatment metrics, which dynamically adjusted credit limits and interest rates based on environmental performance, exemplifying a model for financial empowerment in environmental management [9]. Group 4: Future Directions - The conference organizers plan to promote these benchmark cases to guide more financial resources into the inclusive finance sector, aiming to enhance the quality of inclusive finance in Guangdong [9].

21世纪经济报道 记者郭聪聪 "以前游客来巫山，多选择连锁酒店或高档酒店，高品质乡村民宿是空白。"特色民宿"云端巫舍"创办人熊长春向21世 纪经济报道记者说道。 作为土生土长的巫山人，熊长春深知家乡风光的独特魅力。早年在外务工的他，2020年怀揣回乡创业的梦想，流转38 亩土地，计划打造特色民宿"云端巫舍"，却在创业初期遭遇资金短缺的困境。 "装修改造、户外设施搭建、家具采购，前前后后投了近200万元，都是自己多年来的积蓄。"熊长春坦言，民宿建设属 于净投入阶段，无任何营业收入支撑，到后期支付土地流转费、人工工资，再加上旅行社开办必需的20万元质保金， 手头资金已捉襟见肘。更让他无奈的是，因缺乏房产等传统抵押物，多家银行均拒绝了他的贷款申请。 巫山兴农担保公司在一次民宿行业交流会上发现了熊长春的困境。 沿着重庆奉节的盘山公路前行，金黄的脐橙挂满枝头，满山香甜；巫山巫峡两岸，500米深谷与山地相映成趣，错落有 致的民宿隐于云雾山间，秀丽风光勾勒出独特的三峡景致。这两幅动人的风景背后，是返乡创业者的汗水与梦想—— 种下果树，建起民宿，为乡土注入活力。 乡村振兴，产业为先；产业兴旺，金融为活水。然而，传统信贷的门槛 ...

Core Insights - Financial technology is becoming a key driver for high-quality development of inclusive finance and rural revitalization in China [1] - Guizhou Rural Credit Cooperative Union (Guizhou Rural Credit) has partnered with Huawei to enhance its technological capabilities and service efficiency [1][2] - The collaboration resulted in a comprehensive upgrade of 64 systems within 22 hours, showcasing a path of independent innovation and efficient technology empowerment [1][2] Group 1: System Upgrade and Technological Innovation - Guizhou Rural Credit faced challenges such as weak technological capabilities and outdated core systems, which limited service efficiency [2] - The partnership with Huawei led to the development of a fully autonomous core system utilizing high-performance Kunpeng servers, cloud platforms, and distributed databases [2][3] - The new core system significantly improved online processing, batch processing, and core business response efficiency, enhancing business continuity [2][3] Group 2: Industry Impact and Replicability - The collaboration marks a milestone in the digital transformation of regional banks, making Guizhou Rural Credit capable of responding to financial needs with agility comparable to large banks [5] - The experience gained from this partnership, including the construction of a full-stack core system and the deployment of IPv6 networks, is being referenced by over 30 banks nationwide, forming a replicable "Guizhou model" [6][8] - The emphasis on independent innovation and collaboration with industry partners is seen as essential for the transformation of regional financial institutions [8]

Core Viewpoint - The speech by the Chairman of the China Securities Regulatory Commission emphasizes that high-quality development in the investment banking sector is not exclusive to top institutions, but also achievable by smaller firms through specialization and resource concentration in niche areas [1] Group 1: Differentiation Strategy - Tianhong Fund exemplifies a differentiated development model by focusing on retail clients and the technology innovation sector, aligning with the future direction outlined in the Chairman's speech [1][2] - The company has built a robust retail client base through its early investment in inclusive finance and internet channels, which it considers a core foundation for its growth [2] Group 2: Channel Development - Tianhong Fund actively collaborates with major internet platforms like Ant Group and JD Finance to reach a broader online user base, enhancing its retail service ecosystem [3] - The launch of investment tools such as the "Institutional Express" has shown significant performance, with a back-tested return of 48.18% over the past year, outperforming the CSI 300 Index by 32 percentage points [3] Group 3: Product Strategy - Index products are central to Tianhong Fund's strategy for serving retail investors, characterized by low thresholds, low costs, and transparency [5] - As of mid-2025, Tianhong Fund leads the market with 12.84 million holders of index funds, holding 14 positions among the top 100 index products in terms of holder numbers [5] - The company has reduced fees for 14 funds in response to calls for cost reduction, with management fees for passive index funds dropping to below 0.5% [5] Group 4: Investor Education - Tianhong Fund enhances user engagement through investor education initiatives, conducting extensive user research to understand their needs and preferences [7] - The company has organized over 20 investor education events since 2024, reaching more than 5,000 participants and focusing on long-term investment strategies [7] Group 5: Support for Innovation - Tianhong Fund is committed to supporting the real economy and national strategies, particularly in the technology innovation sector, by developing a range of index products targeting high-growth industries [8] - The company has launched unique index funds that track specific sectors aligned with national strategic directions, such as electric vehicles and biotechnology [8] Group 6: Fixed Income Innovations - Tianhong Fund is exploring innovations in fixed income by investing in "innovation bonds," which address the financing challenges faced by technology companies [9] - The market for innovation bonds has seen significant growth, with 1,428 bonds issued in the first three quarters of the year, totaling 1.58 trillion yuan, reflecting a 43.95% increase in quantity and a 74.94% increase in total issuance compared to the previous year [9] Group 7: Conclusion - Tianhong Fund's approach illustrates that the key to avoiding homogenization in the investment sector lies in focusing on core client groups and specialized sectors, thereby contributing to a multi-layered and diversified ecosystem in the public fund industry [10]