Core Insights - The 20th 21st Century Financial Annual Conference focused on "Reshaping Financial Resilience and Navigating Interest Rate Cycles," highlighting the need for the financial industry to adapt to low interest rates and economic fluctuations [1][2] Group 1: Financial Industry Development - The conference featured discussions on how China's financial system is building resilience against cyclical fluctuations through structural reforms and precise monetary policies [2] - Key areas of focus for financial institutions include technology finance, green finance, inclusive finance, pension finance, and digital finance, which are essential for differentiated development during interest rate cycles [2] - The shift from the old economic cycle of "real estate-finance-local government infrastructure" to a new cycle of "technology-finance-industry" was emphasized as a significant change in China's economic growth logic [2] Group 2: Insurance and Investment Opportunities - The role of green insurance in supporting climate resilience and investment was discussed, highlighting the importance of public-private partnerships in managing project risks [3] - The life insurance sector is encouraged to integrate into a people-oriented pension and health protection ecosystem, with a focus on enhancing long-term asset management capabilities [3] - Recommendations for the health protection ecosystem include reshaping the health insurance system to become a cornerstone of the national multi-level health security framework [3] Group 3: Technological Impact on Finance - A roundtable discussion on "AI and Future Finance" explored the impact of artificial intelligence on the financial industry, with insights from various industry leaders [4] - The "Financial Support for High-Level Technological Self-Reliance" sub-forum featured discussions on financial support paths for key technology breakthroughs and capital market innovations [4] Group 4: Wealth Management Trends - The "Low Interest Rate Question in Wealth Management" sub-forum addressed the transition from real estate dependency to diversified asset allocation in wealth management [5] - The release of the "2025 China Banking Industry Competitiveness Research Report" and the "2025 China Insurance Industry Competitiveness Research Report" provided valuable insights and guidance for the financial sector [5]

21世纪经济报道 记者郭聪聪 2025年正值"十四五"规划收官之年，我国金融行业沿中国特色金融发展之路稳步前行，科技金融、绿色金融、普惠金融等领域 的标准体系与基础制度持续完善，金融服务的可获得性与便利度不断提升。 为梳理行业先进实践、促进经验交流互鉴，21世纪经济报道于2025年9月正式启动 "2025年度21世纪金融竞争力优秀案例"征集活 动，旨在挖掘年度优秀样本，将标杆经验转化为行业发展动能，推动金融行业健康高质量发展。 本次案例征集活动秉持公开、公正、专业的原则，通过专家推荐与机构自主申报相结合的方式广泛收集案例，覆盖金融行业多 业态、多领域。活动启动后，得到行业内众多金融机构积极响应，最终收到超百家机构的申报材料，为后续评选工作奠定了丰 富的案例基础。为确保评选结果的专业性与权威性，组委会特别组建专家团队，围绕客观指标与主观指标开展综合评定。通过 多轮严谨审核，从海量申报案例中筛选出具备示范意义的优秀案例。 11月21日，在由南方财经全媒体集团指导、21世纪经济报道主办的"第二十届21世纪金融年会"上，"2025年度21世纪金融竞争力 优秀案例"最终名单正式揭晓。 本次评选设置综合类、服务类、产品类 ...

Group 1 - The recent meeting in Chongqing focused on the collaboration between Shandong and Chongqing, highlighting the importance of young entrepreneurs in economic development and industrial upgrading [2][3] - The meeting reviewed the achievements of the Shandong-Chongqing collaboration over the past 15 years and encouraged young entrepreneurs to leverage strategic opportunities from major initiatives such as the Western Development and the Chengdu-Chongqing Economic Circle [3] - Hengfeng Bank signed cooperation agreements with several companies, committing to provide comprehensive financial services to support the development of young enterprises in the region [2][3] Group 2 - Hengfeng Bank has actively implemented policies for East-West collaboration, having approved a credit limit of 141.8 billion yuan in Chongqing since signing a strategic cooperation agreement with the Chongqing Municipal Government in May 2023 [3] - The bank's focus on inclusive finance and rural revitalization is evident, with a 31% increase in small micro loans and agricultural loan balances exceeding 120 billion yuan as of the end of October [4] - The growth rate of inclusive agricultural loans reached 16.79%, with both Chongqing's agricultural loans and inclusive agricultural loans growing over 20% [4]

近年来，农行上海市分行始终坚持科技赋能普惠金融，致力于破解小微企业融资中的"流程长、放款 慢"核心痛点。通过整合工商、纳税、征信等多维数据，打造普惠特色数据底座，构建小微企业专属模 型体系，实现对小微企业精准"画像"和风险智能识别。 转自：新华财经 "太不可思议了！刚刚在手机银行上提交申请，就立刻就收到了审批额度，还可根据需要选择不同产 品，资金实时到账。"深意信息科技负责人张鼎国在操作了农业银行小微融资产品后，发出了由衷的赞 叹。 张先生体验的正是农行上海市分行最新升级的"申担e贷"2.0和新推出的"申微e贷"1.0两款小微企业融资 产品。两款产品深度融合了大数据与人工智能技术，通过系统模型的自动化决策，对小微企业的贷款申 请进行智能审批，实现了从申请、审批、签约到提款的全流程线上化快速响应，将小微企业融资效率推 向了全新高度。 据悉，两款产品精准覆盖了不同小微企业客户的融资需求。其中，"申担e贷"由市融资担保中心提供担 保增信，面向融资需求稍高的小微企业，本次产品升级后大幅提升了客户体验。而"申微e贷"则主要服 务于融资需求更为灵活、用款更为频繁的小微企业，为客户提供纯信用的线上融资服务。 "我们园区里大 ...

Core Viewpoint - The development of new productive forces driven by technological innovation is crucial for financial institutions, including Ping An Securities, to support the real economy through targeted financial services and innovative practices [1][2]. Group 1: Financial Services and Innovation - Ping An Securities emphasizes its commitment to serving the real economy by enhancing its professional capabilities and service levels, focusing on the "Five Major Financial Articles" to support technological innovation and industrial upgrades [1][2]. - The company implements a dual strategy of "full-cycle product innovation" and "regional precision service" to create a diversified financing service system that supports the development of new industries, new business formats, and new technologies [2][3]. Group 2: Debt Financing and Green Development - In the debt financing sector, Ping An Securities has launched innovative financial instruments such as Sci-Tech bonds and has underwritten a total of 65 bonds for technology innovation companies, amounting to 16.98 billion yuan, facilitating diverse financing channels for tech enterprises [3]. - The company integrates green finance into its business design, aligning with national "dual carbon" strategies, and focuses on clean energy and environmental protection as key support areas [3][4]. Group 3: Inclusive Finance and Elderly Care - Ping An Securities aims to bridge the gap in inclusive finance by providing tailored services to meet the diverse needs of different groups, thereby enhancing social benefits and market value [6]. - In the elderly finance sector, the company has upgraded its app interface for elderly users and is actively issuing personal pension public fund products, managing a total of 31.473 billion yuan in insurance asset management plans [7]. Group 4: Digital Transformation and Data Utilization - The company is focused on digital transformation by building IT core capabilities and establishing a unified data service center to support refined operations and decision-making [8][9]. - Ping An Securities has collaborated with exchanges to create the first data asset ABS in China, valued at 130 million yuan, facilitating new financing pathways for digital economy enterprises [9].

Core Viewpoint - The development of inclusive finance is a crucial measure to implement the financial "five major articles" and effectively meet the financial needs of the public. In this context, consumer finance institutions should deepen and solidify their work in inclusive finance, with Ping An Consumer Finance recognized for its outstanding contributions in this area [1]. Group 1 - Inclusive finance must balance breadth ("普") and depth ("惠") to effectively serve various groups, with Ping An Consumer Finance adhering to a people-centered development philosophy and actively applying cutting-edge financial technology to provide services to customers in lower-tier cities [3]. - Ping An Consumer Finance has served over 10 million customers, covering nearly 2,500 counties and cities across the country, with nearly 80% of its clients from third-tier cities and below [3]. Group 2 - Consumer finance institutions should build a solid foundation through "guarding the right" while seeking breakthroughs through "innovation," exploring new models and paths for inclusive finance services [4]. - Ping An Consumer Finance has issued over 3 million discount and interest-free coupons, with a total discount amount exceeding 200 million yuan, supporting consumer demand and promoting consumption [4]. - With continuous empowerment from financial technology, consumer finance institutions like Ping An are expected to break through the boundaries of "普" and deepen the precision of "惠" through innovative products and optimized services [4].

在绿色金融方面，北京绿色交易所获批建设全国温室气体自愿减排交易中心和国家绿色技术交易中心， 北京非金融企业累计发行绿色债券近万亿元。 新京报贝壳财经讯（记者黄鑫宇）11月21日，在首都"十四五"规划高质量收官系列主题新闻发布会—— 金融业发展成就专场上，据北京市委金融办分管日常工作的副主任、市委金融工委分管日常工作的副书 记、市地方金融管理局局长曾林峰介绍，"十四五"期间，北京在全国省级层面首个集中发布96项系列政 策。截至三季度末，北京全市落实金融"五篇大文章"合计贷款余额6.8万亿元，同比增长9.7%，高于人 民币各项贷款增速2.1个百分点。 "十四五"期间，在科技金融方面，北京地区银行间市场科创债发行规模位居全国前列，金融资产投资公 司（即AIC）股权投资试点达成初步意向规模超500亿元。 在养老金融方面，北京设立了全国首家第三支柱养老保险公司—国民养老，个人养老金账户数、缴存资 金规模等均居全国前列。 在数字金融方面，北京高水平建设国家级金科新区，全球金融科技中心城市排名连续八年位居首位。 校对 付春愔 在普惠金融方面，截至三季度末，北京普惠小微贷款余额1.1万亿元，贷款户数较2021年初增长近5倍。 ...

Group 1 - The event titled "惠有好生意"商圈金融生态大会 organized by the Bank of Communications is scheduled for November 25, 2025 [2][3] - The conference will take place at the Wyndham Hotel in Shaoxing, Zhejiang [4] - The agenda includes guest speeches, expert presentations, product launches, and a roundtable forum, followed by a visit to the China Light Textile City [5]

北京商报讯（记者 李秀梅）11月21日，首都"十四五"规划高质量收官系列主题新闻发布会——金融业 发展成就专场举行。北京金融监管局党委书记、局长朱衍生介绍，5年来，北京金融监管局聚焦普惠健 康保惠民利民原则，推动北京普惠健康保持续扩面提质。 朱衍生表示，下一步，北京金融监管局将全力支持北京地区普惠金融高质量发展，通过科学监管有效推 动商业健康保险规范发展，积极引导保险公司厚植为民情怀，遵循保险规律，以规范经营和诚信服务促 进行业健康发展，不断提升保险消费者的幸福感、获得感和安全感。 一方面，参保人数逐年增加。由2022年度的307万人上升至2025年度的434万人，目前累计参保超过1700 万人次，续保率由2023年度的65%上升至2025年度的80%。另一方面，理赔服务不断优化。本着"让数 据多跑路、群众少跑腿"的宗旨，在多方的共同努力下，推出了快赔服务。对于符合理赔条件的参保 人，由系统主动发送短信通知，参保人无需另外提交相关材料，只需要到"北京普惠健康保"微信公众号 填写领款人账户等相关信息，赔款最快1个至2个工作日即可到账。 朱衍生介绍，2026年度，北京普惠健康保在保障服务方面进一步升级：一是降低免 ...

Core Viewpoint - The 19th Shenzhen International Financial Expo showcases innovations in financial services, emphasizing the integration of technology, industry, and finance to enhance economic development and consumer welfare [1] Group 1: Event Overview - The expo, held from November 19 to 21, features a theme of "Industrial Finance New Heights, Sci-tech Empowerment Towards the Future" and covers an exhibition area of 15,000 square meters [1] - A total of 288 institutions and enterprises from various countries and regions are participating, with nine themed exhibition areas focusing on industrial finance, financial technology, and cross-border finance [1] Group 2: Citic Bank Credit Card Center - Citic Bank Credit Card Center, established in Shenzhen, has issued over 126 million cards by mid-2025, demonstrating a collaborative growth in efficiency, quality, and scale [3] - The "Citic Bank Happy Years Credit Card" targets elderly consumers, offering services such as medical appointment scheduling and discounts at wellness facilities, with over 800,000 users and a satisfaction rate of 96% [3] Group 3: Inclusive Finance Products - The "Citic Bank Yan GO Card" offers benefits for new citizens and residents of Futian, including cash vouchers and monthly rewards for spending, while the "Citic Bank Credit Card (Greater Bay Area Version)" focuses on cross-border consumption with various incentives [4] Group 4: Technological and Green Finance Innovations - The expo highlights the upgrade of dual-standard magnetic stripe cards to chip cards, enhancing security and reducing fraud risk, while maintaining attractive cashback offers [6] - Citic Bank's "Carbon Account" has over 27 million users and has achieved a carbon reduction of over 200,000 tons, promoting measurable and traceable low-carbon behaviors [6] Group 5: Consumer Engagement Initiatives - The "99365 Monthly Enjoyment Exchange" program allows cardholders to earn rewards based on their monthly spending, redeemable for various consumer benefits, supporting national policies to boost consumption [9] - Citic Bank aims to leverage technology and customer-centric strategies to enhance consumer welfare and promote economic growth through its credit card offerings [9]