金融供给侧结构性改革

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第三家股份行AIC获批筹建:为企业提供全方位多层次融资支持
Jin Rong Shi Bao· 2025-08-08 08:00
第三家股份制银行金融资产投资有限公司(以下简称"AIC")获批筹建。 7月3日,招商银行发布公告称,该行已收到国家金融监督管理总局的批复,获准筹建招银金融资产 投资有限公司。该公司注册资本为人民币150亿元,为招商银行全资子公司。 "股份制银行新设AIC的核心落脚点在于加大对科技企业的股权投资支持力度。"中国邮政储蓄银行 研究员娄飞鹏在接受《金融时报》记者采访时表示,这将有助于股份制银行专业化开展市场化债转股及 股权投资试点业务,为企业提供全方位、多层次的融资支持,进一步提升银行综合化经营能力,全面推 动高质量发展。 已有三家股份制银行获批筹建AIC 此前,兴业银行、中信银行、招商银行3家股份制银行发布公告称,分别拟出资100亿元、150亿 元、100亿元设立AIC,提升服务实体经济能力。 随后,上述3家股份制银行相继收到监管部门批复。 5月7日,国家金融监督管理总局批复,同意兴业银行筹建兴银金融资产投资有限公司(名称暂 定)。据兴业银行披露,该公司注册资本为人民币100亿元,为该行全资子公司。 6月3日,中信银行发布公告称,该行收到国家金融监督管理总局批复,同意中信银行筹建信银金融 资产投资有限公司(名称暂 ...
今日视点:降低非利息成本 让民企融资“体感”更好
Zheng Quan Ri Bao· 2025-08-08 07:23
从这个视角来看,银行机构提升对民营企业信用水平评估能力,就能够在一定程度上降低融资成本。目 前,部分互联网银行依托AI建模技术,将企业主信用画像、产业链生态位、税收社保数据等多个维度 纳入风控模型,正在改写"无抵押不贷款"的传统剧本。未来金融机构宜持续加强对科技的应用,打破银 企信息壁垒,降低非利息成本。 ■ 苏向杲 5月20日起正式实施的《中华人民共和国民营经济促进法》提到,金融机构在依法合规前提下,按照市 场化、可持续发展原则开发和提供适合民营经济特点的金融产品和服务,为资信良好的民营经济组织融 资提供便利条件,增强信贷供给、贷款周期与民营经济组织融资需求、资金使用周期的适配性,提升金 融服务可获得性和便利度。 民营企业在推动经济增长、促进技术创新、增加就业、改善民生等方面发挥了不可替代的作用。当前, 进一步加大对民营企业的金融支持力度对促进我国经济高质量发展意义重大。2月17日召开的民营企业 座谈会提出,继续下大气力解决民营企业融资难融资贵问题。 当前,非利息融资成本难以下降,是部分民营企业融资难融资贵的主要原因之一。目前,民营企业主要 通过贷款获取融资,贷款的综合融资成本由利息和非利息成本构成,近年来 ...
畅同金融“血脉”!湖北宣恩积极破解中小企业融资难题
Zhong Guo Jing Ji Wang· 2025-08-06 07:54
Core Insights - The article highlights the proactive measures taken by Xuan'en County to support small and micro enterprises through tailored financial services and credit loans, significantly boosting local economic development [1][2][3][4] Group 1: Financial Support Initiatives - Xuan'en County has implemented a "Small and Micro Enterprise Financing Coordination Mechanism," conducting extensive outreach to understand the financing needs of local businesses, resulting in a "申报清单" and "推荐清单" for targeted support [2] - Financial institutions in the county have issued loans totaling 21.83 billion yuan, with 1.36 billion yuan allocated to 189 small enterprises as first-time loans [2][3] - The average loan processing time for small and micro enterprises has been reduced from 7 working days to 3, enhancing accessibility to credit [3] Group 2: Economic Impact - In the first half of the year, Xuan'en County's financial institutions provided 15.09 billion yuan in new loans, exceeding the annual target by 17% and marking a historical high [1] - The county saw a 47% year-on-year increase in new business entities, with 3,164 new operating units established [1] - The tourism sector has significantly contributed to the local economy, with nearly 10 million visitors and a 45.16% increase in tourism revenue, leading to a doubling of household deposits [4] Group 3: Innovative Financial Products - Banks have developed nearly 20 new financial products aimed at small and micro enterprises, including various credit loans that do not require collateral [3] - The introduction of personal credit value loans and rural asset value loans has successfully disbursed 24.45 million yuan, demonstrating effective financial innovation [3] - The establishment of a "Financial + Industry + Tourism" ecosystem has supported key projects, with 19.08 billion yuan in credit granted for 10 major county projects [3]
强化融资支持 让更多外贸企业“轻装上阵”
Jing Ji Ri Bao· 2025-08-06 02:06
Core Viewpoint - The central government emphasizes the importance of stabilizing foreign trade through enhanced financial support, particularly for export-oriented enterprises facing challenges due to external shocks [1]. Group 1: Financial Support for Foreign Trade - Financial institutions are urged to increase credit support for foreign trade enterprises, especially small and medium-sized enterprises with high foreign trade dependence and competitive products, ensuring their reasonable financing needs are met [1][2]. - The insurance sector is encouraged to provide comprehensive insurance solutions for enterprises venturing abroad, facilitating their operations [1]. Group 2: Policy Implementation and Financial Services - Banks are expected to implement policies to stabilize foreign trade, ensuring that loans are fully utilized and tailored services are provided to enterprises facing difficulties due to tariffs [2]. - There is a focus on optimizing export credit insurance policies to enhance underwriting capacity and provide favorable rates, thereby boosting enterprises' confidence in receiving orders and exporting [2]. Group 3: Currency Risk Management - With the increased volatility of the RMB exchange rate, there is a growing demand for currency risk management services among enterprises engaged in international trade [3]. - Financial institutions are encouraged to enhance their services related to currency risk management and to offer customized hedging products for foreign trade enterprises [3]. Group 4: Integrated Financial Solutions - The demand for integrated financial solutions has surpassed mere financing needs, requiring financial institutions to tailor their services to the specific characteristics of different markets and industries [4]. - The financial system is tasked with ensuring that policies translate into tangible benefits for enterprises, thereby supporting their global development [4].
七部门印发指导意见:为推进新型工业化提供高质量金融服务
Ren Min Ri Bao Hai Wai Ban· 2025-08-06 01:43
近年来,浙江省金华市金义新区探索建立"高校—平台—企业—金融机构"协同创新机制,积极培育 高新技术企业和专精特新企业。截至目前,金华市金义新区已培育国家高新技术企业284家。图为该区 的润马光能科技(金华)有限公司5G车间内,智能机器人在自动运行。新华社记者 徐昱 摄 人民日报海外版记者 徐佩玉 为落实全国新型工业化推进大会部署,加快金融强国和制造强国建设,中国人民银行、工业和信息 化部、国家发展改革委、财政部、金融监管总局、中国证监会、国家外汇局近日联合印发《关于金融支 持新型工业化的指导意见》。 意见坚持把金融服务实体经济作为根本宗旨和防范化解金融风险的根本举措,聚焦新型工业化重大 战略任务,以需求牵引深化金融供给侧结构性改革,强化产业政策和金融政策协同,为推进新型工业 化、加快发展新质生产力提供高质量金融服务,坚持分类施策、有扶有控,推动产业加快迈向中高端, 防止"内卷式"竞争。 根据意见,到2027年,支持制造业高端化智能化绿色化发展的金融体系基本成熟,产品更加丰富, 贷款、债券、股权、保险等各类金融工具在有效防范交叉性金融风险前提下联动衔接更加紧密,服务适 配性有效增强。制造业企业有效信贷需求得到充 ...
七部门联合发布意见:金融活水润泽 加速推进新型工业化
Yang Shi Wang· 2025-08-05 23:41
央视网消息:8月5日,记者从工业和信息化部了解到,中国人民银行、工业和信息化部、国家发展 改革委等七部门联合发布《关于金融支持新型工业化的指导意见》,《意见》聚焦新型工业化重大战略 任务,以需求牵引深化金融供给侧结构性改革,提供高质量金融服务。 ...
金融支持新型工业化!七部门:完善期货产品体系,推动大宗商品保供稳价
Qi Huo Ri Bao· 2025-08-05 22:41
Core Viewpoint - The People's Bank of China and six other departments have jointly issued guidelines to enhance financial support for new-type industrialization, aiming to accelerate the construction of a financial and manufacturing powerhouse by 2027 [1][4]. Group 1: Financial Support for Industrialization - The guidelines emphasize the importance of financial services to the real economy and risk prevention, focusing on major strategic tasks of new-type industrialization [4]. - The financial system is expected to mature by 2027, supporting the high-end, intelligent, and green development of the manufacturing industry [4]. Group 2: Specific Measures - The guidelines propose 18 specific measures across five areas, including enhancing technological innovation capabilities and supply chain resilience, building a modern industrial system, and improving financial support capabilities [4][5]. - Financial policies will be optimized to support key technology products and facilitate the transformation of scientific achievements into capital [5]. Group 3: Financial Services for Key Enterprises - Financial institutions are encouraged to provide comprehensive financial services to key enterprises in the industrial chain, including loans, bonds, and insurance [6]. - Support will be given to private enterprises to participate in the construction of a self-controlled industrial chain [6]. Group 4: Cross-Border Financial Services - The guidelines aim to enhance the convenience of cross-border financial services and expand high-level bilateral open development space [7]. - Measures include optimizing foreign trade financial products and services, promoting the use of RMB in cross-border trade settlements, and expanding pilot programs for cross-border financing [7]. Group 5: Long-term Mechanism and Capacity Building - The guidelines call for strengthening the internal mechanisms of financial institutions to serve the manufacturing sector and developing a talent pool for financial services in technology industries [8]. - A collaborative approach involving multiple departments will be established to enhance the effectiveness of financial support for new-type industrialization [8].
为推进新型工业化提供高质量金融服务
Ren Min Ri Bao· 2025-08-05 22:21
Core Viewpoint - The People's Bank of China and several government departments have jointly issued guidelines to enhance financial support for new industrialization, aiming to deepen financial supply-side structural reforms and promote high-quality financial services for the development of new productive forces by 2027 [1][2][3]. Group 1: Financial Support Measures - The guidelines propose targeted support measures for key technology products and breakthroughs, enhancing financial services for key enterprises in the industrial chain, and improving the resilience of supply chains [2][3]. - Development of technology finance, green finance, and digital finance is emphasized, with a focus on supporting traditional industries' transformation and nurturing emerging industries [2][3]. Group 2: Structural Reforms - The guidelines aim to optimize the funding supply structure, providing loans, bonds, and equity financing to support new industrialization [3]. - A comprehensive, differentiated, and specialized financial service system is to be established, with a focus on supporting core technology breakthroughs and the development of emerging industries [3]. Group 3: Regional and Cross-Border Financial Services - The guidelines include mechanisms for credit management and financial products to support the transfer of industries to central and western regions, promoting the aggregation of financial resources towards industrial clusters [2][3]. - Initiatives to facilitate cross-border financial services, including trade settlement and fund management, are also outlined to support reasonable industrial layout and expansion [2].
让更多外贸企业“轻装上阵”
Jing Ji Ri Bao· 2025-08-05 22:15
Core Viewpoint - The central government emphasizes the need for financial support to stabilize foreign trade, particularly for export-oriented enterprises facing challenges due to external shocks [1] Group 1: Financial Support for Foreign Trade - Financial institutions are urged to enhance credit support for foreign trade enterprises, especially small and medium-sized enterprises with high foreign trade dependence and competitive products [1][2] - The insurance sector is encouraged to provide comprehensive insurance solutions to support enterprises in their international operations [1] Group 2: Policy Implementation and Service Optimization - Banks are expected to implement policies to ensure that all eligible loans are granted and renewed, providing tailored services for enterprises facing difficulties due to tariffs [2] - There is a focus on optimizing export credit insurance policies to stabilize enterprises' export confidence and support new business models in foreign trade [2] Group 3: Currency Risk Management - With increased exchange rate volatility, there is a growing demand for currency risk management services among enterprises engaged in international trade [3] - Financial institutions are encouraged to enhance their offerings of foreign exchange derivatives and provide customized hedging services for foreign trade enterprises [3] Group 4: Integrated Financial Solutions - The financial system is called to provide integrated solutions that cater to the diverse needs of foreign trade enterprises, ensuring that policies translate into tangible benefits for businesses [4]
七部门印发指导意见 为推进新型工业化提供高质量金融服务
Ren Min Ri Bao· 2025-08-05 22:07
对照新型工业化重点领域,《意见》提出针对性支持举措,优化金融政策工具支持关键技术产品和攻 关,多渠道为科技成果转化引入耐心资本,强化产业链重点企业综合金融服务,提升产业科技创新能力 和产业链供应链韧性;发展科技金融、绿色金融、数字金融等五篇大文章,深化基于"数据信用"和"物 的信用"的产业链金融服务模式,支持传统产业转型升级和培育壮大新兴产业;健全中西部承接产业转 移有关授信管理机制和金融产品服务,推动金融资源向产业集群聚集和专业化发展,推进贸易结算、资 金管理、投融资等一系列跨境金融服务便利化举措,支持产业合理布局和拓展发展空间,促进做强国内 大循环。 中国人民银行有关部门负责人介绍,此次发布的《意见》坚持以产业需求牵引深化金融供给侧结构性改 革,构建全覆盖、差异化、专业性金融服务体系,形成金融支持新型工业化的清晰路径。一是在宏观层 面要优化资金供给结构,为新型工业化提供贷款、债券、股权等融资支持。二是完善科技金融服务体 系,支持核心技术攻关、新兴产业培育发展和传统产业改造升级。三是优化供应链金融和区域、外贸金 融服务,支持重点产业链和先进制造业集群发展。四是推进绿色金融和转型金融,支持新能源产业和传 统工 ...