为降低成本、实现产能和效能最大化，归一鲜食品于2024年启动"归一领鲜食客综合产业园项目"，从代 加工及直接销售原奶模式转型升级为自身加工生产销售模式。尽管入选省级绿色低碳高质量发展重点项 目，该项目在建设期仍面临融资瓶颈。 资金流信息平台为评估此类企业拓宽了视野。经企业授权，当地金融机构通过资金流信息平台调取分析 了企业资金往来、与上下游客户交易记录等数据，勾勒出一幅比固定资产更生动的"经营画像"，成功 为"归一领鲜食客综合产业园项目"发放信用贷款2000万元，推动建成集"绿色养殖+清洁加工+循环利 用"于一体的农业示范基地，预计年减碳1200吨、年增加销售额1.3亿元。目前，菏泽运用中小微企业资 金流信息成功为企业新增授信64.1亿元，发放贷款42.8亿元。 作为菏泽城建工程发展集团有限公司的上游供应商，菏泽祺宇门窗有限公司（以下简称"祺宇门窗"）主 要承接门窗安装项目，伴随着订单增长，企业流动资金周转压力也随之而来。 13项专利权转化为融资的"金钥匙"，近日，位于山东菏泽市的天宝牡丹生物科技有限公司（以下简 称"天宝牡丹"）融资难题迎刃而解。当地金融机构为该企业定制知识产权质押融资方案，从质押到放 款， ...

近日，微财数科"向光而行"创业者支持计划第六期微纪录片《草木有容，她有光》正式上线。影片聚焦 微财数科用户江苏常州美容从业者宋女士的创业故事，以个体经历为切口，真实展现了小微经济的发展 面貌。 普惠金融：为小微创业注入力量 宋女士早年在上海打拼，因父亲突发车祸需长期照料，她辞去工作返乡。回乡后，她曾尝试开服装店创 业，后因结婚生子暂停。 2018年，经历家庭变故的宋女士，以一间20余平方米的工作室重启创业之路。她始终坚守"项目需亲身 试用"的经营理念，在门店装修与项目筛选上倾注大量心血。然而，外部环境的波动影响，叠加家人患 病产生的数百万医疗费用，让她的事业一度陷入困境。 转机源自微财数科"向光而行"千万免息公益计划的支持。这笔资金帮助她升级仪器设备、拓展服务项 目。如今，凭借扎实的服务质量与积累的良好口碑，她的门店已在周边市场竞争中站稳脚跟。 宋女士的经历并非个例。中国中小企业协会调研报告显示，超60%的中小微企业存在资金链紧张问题， 面临流动资金缺口。但小微企业因资金需求规模小、缺乏抵押物、金融数据不足等特点，往往难以获得 传统金融机构的贷款支持。普惠金融研究院《小微企业金融健康(2024)》指出，在30 ...

Core Insights - Inclusive finance serves as both a stabilizing force for the economy and a catalyst for market vitality, necessitating a collective effort to create a "finance for good" ecosystem [1] - Ping An Consumer Finance has been recognized as the "Annual Outstanding Inclusive Finance Practice Institution" for its significant contributions to the field [1] Group 1: Technology and Accessibility - Inclusive finance must expand its reach while enhancing accessibility, with some consumer finance institutions achieving notable results through technology and inclusivity [3] - Ping An Consumer Finance has leveraged financial technology to automate processes and provide 24/7 online services, reaching over 10 million customers across nearly 2,500 counties, with approximately 80% of clients from lower-tier cities [3] Group 2: Deepening Impact and Support - The development of inclusive finance connects directly to improving the daily lives of citizens and the broader economic landscape, emphasizing the importance of providing timely support to meet consumer needs [4] - Ping An Consumer Finance has issued over 3 million discount and interest-free vouchers targeting new citizens and young consumers, with total discounts exceeding 200 million yuan, demonstrating its commitment to enhancing consumer spending and demand [4] - The company aims to continue innovating financial products and services to broaden and deepen its inclusive finance offerings, emphasizing sustainability and social harmony [4]

"首付少了8万，月供还能跟着货量走"，河北卡车司机老张的经历，正是狮桥融资租赁深耕实体13年的缩影。作为以商用车金融为核心的头部企业，狮桥用 扎实数据勾勒金融赋能实体的路径，更凭实力斩获"普惠租赁领军企业"称号。 新能源车运营，年减碳达53.8万吨。创新"车电分离"方案更将购车成本降低本三成，让通司机也能轻松切换新能源车型。 科技赋能让服务高效可控。8.7分钟极速审批、1.42%的不良率（低于行业均值三成），彰显其智能风控实力。高效服务不仅提升用户体验，更获资本市场认 可，2025年末逆势发行两期低利率产品便是佐证。 如今狮桥已从商用车延伸至绿色能源领域，2025年新能源业务占比突破50%的目标清晰明确。以普惠为基、绿色为向、科技为翼，狮桥正持续为产业升级注 入动能。 普惠是狮桥的核心底色。33亿元注册资本支撑起累计1720亿元实体投放，截至目前已服务36.8万名个体司机，助力购置55.8万台重卡，让85%以上中小微经 营主体摆脱融资困境，间接稳定超百万就业。 ...

齐鲁晚报·齐鲁壹点 张夫稳 通讯员 王磊 在粮食产业领域，该行总结夏粮收购市场开发经验，制定分层级对接配档表，联动农业局、粮食局、产 业化龙头企业及收粮大户，建立完善粮食产业客户数据库，按节点分类施策、快速响应，全力打造夏粮 收购"主办行"。截至10月末，该行累计投放粮食贷款13.98亿元。 在孔孟大地广袤的田野乡间，一股金融活水正悄然流淌，精准滴灌着每一寸渴望发展的土地。邮储银行 （601658）济宁市分行立足地方农业发展实际，以政策为导向、以需求为核心、以创新为动力，持续加 大"三农"领域信贷投放力度，优化普惠金融服务模式，多项业务指标领跑同业，为济宁乡村全面振兴注 入了强劲的金融动能。 筑牢机制，服务畅通"最后一公里" 作为服务"三农"的金融主力军，邮储银行济宁市分行始终将助农支农作为重要责任，建立起"顶层设计 +基层执行"的全链条工作机制，确保"三农"领域金融服务质效。 在顶层设计上，该行强化考核引导，将"三农"贷款投放指标纳入重点考核，优化资源配置，确保金融资 源向"三农"领域倾斜。在基层服务中，秉持"人嫌细微，我宁繁琐"的服务理念，下沉服务重心，延伸服 务触角，全力打通普惠金融服务乡村的"最后一公 ...

Core Viewpoint - The event "Deep i Enterprise Appointment: Park Loan 2.0" aims to enhance the integration of financial support for small and micro enterprises in Shenzhen, focusing on the "Park Loan 2.0" initiative to facilitate financing and promote high-quality development [1][2] Group 1: Event Overview - The event was held on December 5, organized by various local government departments and the Agricultural Bank of China Shenzhen Branch, with over 90 representatives from enterprises and media present [1] - The theme of the event was "Enjoy Policies + Solve Financing, Help Enterprises Reduce Burdens and Speed Up," focusing on the financing needs of small and micro enterprises [2] Group 2: Policy and Financing Support - The local government emphasized the importance of small and micro enterprises as a vital source of economic vitality and committed to optimizing the business environment through tools like "Park Loan 2.0" [2] - The Agricultural Bank of China Shenzhen Branch introduced innovative measures to support small and micro enterprises, highlighting the upgraded features of "Park Loan 2.0," which effectively addresses the issue of insufficient collateral through pure credit methods [2][3] Group 3: Financial Service Ecosystem - The Agricultural Bank of China Shenzhen Branch aims to create a comprehensive financial service ecosystem for small and micro enterprises, with a focus on policy support, funding empowerment, platform backing, and risk sharing [3] - The bank has customized various financial products to meet the diverse financing needs of enterprises, including "Park e Loan," "Industry Chain Loan," and specialized loans for technology-based small enterprises [3] Group 4: Features of Park Loan 2.0 - The "Park Loan 2.0" service offers flexible credit, preferential interest rates, on-demand borrowing and repayment, and the option for non-repayment of principal [4][5] - The loan approval process is designed to be rapid, with online systems enabling quick approvals, and the ability to use funds flexibly [4] Group 5: Commitment to Service - The Agricultural Bank of China Shenzhen Branch is committed to deepening the implementation of "Park Loan 2.0" by actively engaging with enterprises in the park, understanding their financing needs, and providing tailored services [6] - The bank plans to expand its financing coordination mechanism to promote "Park Loan 2.0" across key parks in Shenzhen, contributing to the city's high-quality economic development [6]

Core Viewpoint - The People's Bank of China Yunnan Branch is enhancing payment services in rural areas to support rural revitalization and improve the modernization of agricultural payment services through various initiatives. Group 1: Standardization Construction - The establishment of the first inclusive financial service station in Yunnan, located in the tourism village of Tu Guachong, serves as a model for similar stations in the region [2] - The bank is leading inclusive financial construction with standardized guidelines for rural financial service stations and community service stations [2] - A financial service circle is being created with a 15-kilometer network and a one-hour response time, providing a template for other rural financial service stations [2] Group 2: Optimization of Station Layout - The improvement of rural payment environments is evident, with all 3,637 rural bank branches connected to payment systems, significantly enhancing the speed of agricultural fund transfers [3] - The number of bank cards held per capita in rural areas is projected to reach 3.96 by September 2025, with 281,800 payment terminals deployed [3] - A total of 13,300 inclusive financial service stations have been established, facilitating 2.5852 million transactions worth 2.786 billion yuan from January to September [3] Group 3: Payment Chain Connectivity - The bank is focusing on enhancing payment systems in rural areas, creating a seamless connection between farmers, vendors, and consumers [5] - A one-stop payment service platform is being developed to integrate payment services into the entire agricultural supply chain, with over 600,000 farmers served and transaction amounts exceeding 1.8 billion yuan from January to September [5] - Various payment tools, including bank cards and mobile payments, are being offered to rural residents, with 962,600 bank settlement accounts opened by September 2025 [6] Group 4: Promoting Consumption - The bank is actively promoting local agricultural products to urban markets, leveraging payment systems to support consumption [6] - A total of 2.35 million government consumption vouchers have been issued, with 1.4 million redeemed, resulting in a consumption boost of 410 million yuan [6] - Various promotional activities are being organized to enhance the visibility of Yunnan's agricultural products and stimulate consumption in rural areas [6]

Group 1: Financial Support Initiatives - The People's Bank of China Guangdong Branch increased the "Three 100 Billion" special re-loan and re-discount quota to "Four 200 Billion," adding a 20 billion yuan "Yuehui Loan" quota to support regional characteristic industry development [1] - The first batch of "Yuehui Loan" special re-loan quotas was successfully implemented, amounting to 5.18 million yuan, injecting financial momentum into local characteristic industries for high-quality development [1] Group 2: Agricultural Industry Focus - The Peilin Orange Red Planting Cooperative in Maoming City utilized live streaming to boost sales during the harvest season, receiving a 2 million yuan credit and a 500,000 yuan loan from the local bank, which reduced interest costs by 1% [2] - Since October, the local government has issued 107 million yuan in "Yuehui Loan" funds, benefiting nearly 200 enterprises and farmers in the region [2] Group 3: Seasonal Production and Financing Needs - A ceramic company in Chaozhou received a 5 million yuan loan to address increased working capital needs during the production peak season, ensuring smooth operations without financial concerns [3] Group 4: Technological Upgrades and Policy Benefits - Jinyuan Green Life Co., Ltd. in Heyuan received a 4.8 million yuan credit loan to enhance production capacity and technology for its five-finger peach and traditional Chinese medicine products, solidifying its industry leadership [4]

新华社 ar · 中国银行业总资产近470万亿元,位居世界第一 ● 股票、债券市场规模位居世界第二 · 外汇储备规模连续20年位居世界第一 ● 在绿色金融、普惠金融、数字金融等方面走在 世界前列 A 面积:12 85 加快餐建现代金 金融是国民经济的血脉。"十四五"时期，我国加快构建中国特色现代金融体系，牢牢守住系统性风 险安全底线，为高质量发展注入磅礴动能。银行业总资产近470万亿元，稳居世界第一；股票、债券市 场规模全球第二，彰显市场深度；五年间为实体经济提供新增资金170万亿元，畅通高质量发展血 脉…… 金融活则经济活，金融稳则全局稳。从服务实体的坚定不移，到金融开放的波澜壮阔，中国金融正 以更雄浑的格局、更蓬勃的活力，迈向规模更庞大、结构更优化、运行更稳健的现代化金融强国。 力量力的能 MIT 凯信斯 ● 设立中央金融委员会、中央金融工作委员会 ● 加强党中央对金融工作的集中统一领导 ● 加快构建现代金融体系 ● 金融治理体系和治理能力现代化迈上新台阶 HE READ THE · 银行业保险业为实体经济提供新增资金170万亿元 新华社 95 ●科研技术贷款、制造业中长期贷款年均增长 27.2%、21. ...

Core Viewpoint - The Beijing Listed Companies Association (北上协) is conducting a series of research activities focused on "high-quality financial development and the five major topics," engaging with major banks to explore how financial institutions can empower the real economy through various financial innovations [1][6]. Group 1: Beijing Bank - Beijing Bank prioritizes technology finance as its "first strategy" and emphasizes specialized and innovative enterprises as its "number one project" [2]. - The bank's board secretary highlighted that technological innovation is a core driver for reshaping the global economic landscape and that finance plays a crucial role in supporting technological innovation and industrial upgrades [2]. - The association's secretary-general expressed the importance of high-quality financial development as a support for national economic growth and encouraged listed companies to leverage financial market resources for innovation [2]. Group 2: Agricultural Bank - Agricultural Bank focuses on serving rural revitalization, with 40% of its loans and 44% of its deposits located in county areas [3]. - The bank is committed to urban business development while maintaining a collaborative operational model between urban and rural areas [3]. - The discussions during the research highlighted the bank's practices in technology finance and digital transformation, clarifying the direction for collaboration between enterprises and financial institutions [3]. Group 3: Postal Savings Bank - Postal Savings Bank aims to serve agriculture, rural areas, and small and medium-sized enterprises, enhancing service quality and creating new development momentum [4]. - As of Q3 2025, the bank reported positive growth in revenue and profit, with a net interest margin of 1.68% and a non-performing loan ratio of 0.94%, indicating strong performance in the industry [4]. - The bank's strategy focuses on aligning financial resources with key areas of economic development in the capital [4]. Group 4: Financial Development Strategies - The association emphasizes the need for financial companies to focus on strategic planning, risk prevention, technology empowerment, international cooperation, and talent development to ensure long-term growth [5]. - The "five major topics" are seen as essential for enhancing the quality of service to the real economy and mitigating systemic risks [6]. Group 5: Future Directions - The implementation of the "five major topics" is expected to transform banking service models, shifting from traditional collateral-based assessments to a focus on technology and future potential [6]. - Suggestions from company representatives include optimizing risk assessment models for technology finance and enhancing green finance standards [7]. - The association plans to continue facilitating high-quality exchanges and training sessions to foster collaboration among listed companies [7].