交通银行党委委员、副行长杨涛，交通银行公司与机构业务总监唐朔，省领导张敏、陈星参加会见。 （记者 刘婵 张笑闻） 责任编辑： 郭栩汝 11月25日，省委书记刘宁、省长王凯在郑州会见交通银行党委书记、董事长任德奇一行。 刘宁、王凯代表省委、省政府对任德奇一行表示欢迎，感谢交通银行给予河南发展的帮助支持。刘宁 说，当前，全省上下正在深入学习贯彻党的二十届四中全会精神和习近平总书记在河南考察时重要讲话 精神，聚焦"1+2+4+N"目标任务体系，着力稳就业、稳企业、稳市场、稳预期，全力打好经济发展冬春 季攻保战役。我们坚决贯彻习近平总书记关于金融工作的重要论述，认真落实党中央决策部署，扎实做 好金融"五篇大文章"，统筹做好金融扩规模、调结构、降成本、防风险各项工作，金融服务实体经济质 效持续提升。长期以来，交通银行积极融入河南、服务河南、建设河南，在促进地方经济发展、服务保 障民生等方面作出了贡献。希望交通银行充分发挥国有大行规模庞大、业务全面等优势，在综合交通枢 纽项目建设、现代化产业体系构建、推进乡村全面振兴等方面开展全方位金融合作，完善科技金融服务 体系，提升普惠金融覆盖面和可及性，共同谋划好"十五五"时期河南 ...

Group 1 - The People's Bank of China (PBOC) in Ankang City is focusing on stable growth, improving people's livelihoods, and promoting openness through a moderately loose monetary policy and optimized financial services [1] - The PBOC has established a policy framework around five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, enhancing financial support capabilities in these sectors [1] - A total of 500 million yuan in loans has been issued to support green high-quality development projects, and over 100 million yuan in financing has been facilitated through the "Three Members Entering Enterprises" service activity [1] Group 2 - The PBOC in Ankang City has implemented targeted monetary policy tools to address financing difficulties for small and micro enterprises, resulting in a 130% year-on-year increase in newly issued agricultural and small enterprise re-loans, totaling 7.7 billion yuan [2] - More than 26,000 entities, including private and small enterprises, have benefited from these loans, with an average interest rate of 4.30%, down 41 basis points year-on-year [2] - The PBOC is committed to enhancing the connection between government, banks, and enterprises, encouraging financial institutions to innovate products and services to create a better financial environment for small and micro enterprises [2]

Core Insights - Xinyin Financial Asset Investment Co., Ltd. has been approved to operate and has established its presence in Guangzhou, marking it as the second financial asset investment company (AIC) approved among joint-stock banks [1] - The establishment of Xinyin Jin Investment in Guangzhou reflects the city's efforts to seize opportunities from the AIC pilot program and build a robust AIC ecosystem [1][2] Group 1: AIC Development in Guangzhou - Guangzhou has prioritized attracting AICs as a key financial strategy since the expansion of the AIC pilot program in 2024, with significant efforts to facilitate new AIC establishments [2] - The Guangzhou government signed a strategic cooperation agreement with CITIC Bank in June 2025, confirming Xinyin Jin Investment's establishment in the city, showcasing the city's support for financial innovation [1][2] - Guangzhou has implemented a comprehensive policy framework to support AIC development, including a 1.5 trillion yuan industrial investment mother fund and a 500 billion yuan venture capital mother fund [2] Group 2: Financial Ecosystem and Investment Opportunities - Guangzhou has successfully established 11 AIC funds with a total scale exceeding 16.8 billion yuan, attracting bank capital into key industries such as advanced manufacturing and new energy [2] - The city boasts nearly 400 licensed financial institutions, with total financial assets exceeding 13 trillion yuan, making finance the third-largest pillar industry in the city [2] - The efficient execution of policies in Guangzhou provides a predictable development environment for Xinyin Jin Investment, allowing for significant opportunities in market-oriented debt-to-equity swaps and equity investments in tech enterprises [2][3] Group 3: Role of AIC in Supporting Innovation - AICs are transitioning from debt risk mitigators to supporters of technological innovation, utilizing a model that combines equity investment, debt financing, and value-added services [3] - Xinyin Jin Investment aims to leverage its AIC license and CITIC Group's resources to serve local enterprises through a "debt-equity" model, focusing on the Guangzhou and Guangdong-Hong Kong-Macau Greater Bay Area [3][4] - The company plans to engage in major state-owned enterprise projects, assist in managing asset-liability ratios, and promote mergers and acquisitions within key industrial clusters [4] Group 4: Collaborative Ecosystem Development - Guangzhou is committed to supporting Xinyin Jin Investment's operations by integrating government investment funds and establishing a mechanism for ongoing project matching and funding needs [4] - The collaboration between Xinyin Jin Investment and Guangzhou is characterized by a model of "institutional establishment + policy support + ecological synergy," fostering a mutually beneficial development landscape [4][5] - The entry of AICs is expected to play a crucial role in the financing system for tech enterprises, enhancing the stability of returns while supporting the real economy [5]

Core Viewpoint - The "Third Jinan Science and Technology Finance Forum" aims to explore new paths and measures for empowering new quality productivity through science and technology finance, aligning with the strategic deployment of the 20th National Congress of the Communist Party of China [2][4]. Group 1: Forum Structure and Activities - The forum consists of twelve segments, including a main forum, two parallel sub-forums, a closed-door meeting, and two special activities focused on attracting investment and project inspections [3]. - Key themes of the sub-forums include product innovation and ecological construction of full-cycle science and technology finance, as well as activating multi-level capital markets to drive the technology-capital-industry cycle [3][12]. Group 2: Jinan's Achievements in Science and Technology Finance - Jinan, as the first national pilot zone for science and technology finance reform, has seen significant growth, with loans to science and technology enterprises reaching 302.9 billion yuan, a 175.76% increase since the pilot zone was approved [5][6]. - The average loan interest rate has decreased by 144 basis points to 2.81%, indicating improved financial conditions for enterprises [5]. - The number of science and technology enterprises has surpassed 11,000, with high-tech industries accounting for 68.7% of the total industrial output value, a 14 percentage point increase [6]. Group 3: Financial Sector Growth - Jinan's financial sector has also experienced growth, with a financial industry value added of 103.03 billion yuan, a 5.8% increase, and a social financing scale of 5.34 trillion yuan, growing by 10.3% [7]. - The city has implemented innovative financial products such as "Research Loans" and "Qingrong e-loans," which have contributed to the growth of the science and technology sector [6][7]. Group 4: "Six Special and Four Value" Work System - Jinan has developed a unique "Six Special and Four Value" work system to enhance the professional service capabilities of science and technology finance, focusing on specialized institutions, products, policies, expert teams, dedicated sectors, and professional carriers [9][10]. - The "Four Value" assessment system addresses the challenges of valuing intangible assets, facilitating financing for science and technology enterprises through various innovative financial services [11]. Group 5: Future Directions and Regional Cooperation - The forum aims to gather insights and consensus on the future development of science and technology finance, particularly in enhancing regional cooperation among key cities in the Yellow River Basin [15]. - Jinan is positioned to become a leading hub for science and technology finance in Northern China, providing replicable experiences for national financial support of technological innovation [13][14].

"这些孩子比自己的儿女还有耐心！"李奶奶激动地说，"以后我在家就能查账缴费，不用每次都跑银行 了。你们的服务让我感到特别温暖。" 在成功教会老人使用查询功能后，大堂经理主动留下自己的工位电话："您以后有任何操作问题，随时 打这个电话，我们都会为您解答。"同时还帮助老人将支行的联系电话存入手机通讯录。 更令人感动的是，该行员工自发成立了"老年客户服务小组"，定期通过电话回访使用电子银行的老年客 户，提供远程指导。此外，该行还计划每月举办"银发课堂"，专门帮助老年客户掌握智能金融工具的使 用。 江南时报讯 日前在工行南通海门三星支行发生的一幕温馨场景，生动诠释了"以客户为中心"的服务理 念。该行员工通过长达一小时的耐心指导，成功帮助一位七旬老人掌握手机银行基本操作，让老年客户 享受到科技金融带来的便捷，彰显了我行服务的温度与担当。 近日，一位白发苍苍的老人徘徊在我行智能服务区前，面露难色。大堂经理立即上前询问："阿姨，有 什么可以帮您的吗？"老人有些不好意思地说："闺女，我想查一下养老金到账没有，但这些机器我都不 会用..."经了解，这位62岁的李奶奶独居生活，子女都在外地工作。此前她都是到柜台办理业务，但最 近 ...

（原标题：银行间科创债发行活跃 今年支持276家企业融资超5300亿元） 21世纪经济报道记者 叶麦穗 自5月7日交易商协会正式面向金融市场推出科创债以来，市场活力持续激发。 根据银行间市场交易商协会的统计，截至11月21日，银行间市场今年累计支持276家企业发行科创债超 5300亿元，涵盖230家科技型企业和46家股权投资机构。 在银行间科创债的发行中，民营企业参与度显著提升，融资活力持续释放。市场认为未来科创债的发展 趋势或向三个方向发展，一是民企发行规模有望提升；二是完善风险分散分担机制；三是丰富投资者类 型，产品流动性有望提升，市场活力有望增强。 民营股权投资机构加入 风险分担工具运用增多 科技创新债券风险分担工具运用的广度和深度正稳步拓展。继6月5家民营股权投资机构获风险分担工具 增信成功发行科创债后，近日基石资本、同创伟业、盛景嘉成和道禾长期四家民营股权投资机构拟发行 科创债合计9.3亿元，标志着更多民营股权投资机构在政策支持下通过银行间债券市场融资。 在增信支持方面，杜海均介绍，3家由科创债风险分担工具提供增信，1家由中债信用增进投资股份公司 提供市场化增信；此外，风险分担工具还将积极参与全部4 ...

Core Viewpoint - The event highlighted the role of Agricultural Bank of China in supporting the high-quality development of the Yangtze River Delta through innovative financial services that align with national strategies [2][3]. Group 1: Financial Services and Innovation - Agricultural Bank of China aims to provide high-quality financial services that are precise, efficient, secure, and innovative to support the integration and development of the Yangtze River Delta [3][4]. - The bank has established a comprehensive service network that includes a joint working mechanism between the head office and regional branches, focusing on marketing integration and resource optimization [3][4]. Group 2: Regional Cooperation and Development - The Yangtze River Delta is recognized as a crucial economic engine for the country, with significant breakthroughs in regional cooperation and financial integration [4][6]. - The G60 Science and Technology Innovation Corridor has emerged as a key platform for promoting collaborative innovation and resource sharing among the three provinces and one city [4][5]. Group 3: Financial Support and Growth Metrics - Agricultural Bank of China has provided over 7.4 trillion yuan in loans across its five branches in the Yangtze River Delta, with an expected increase of over 500 billion yuan by 2025 [6]. - The bank's technology loan balance in the region exceeds 1.5 trillion yuan, with a projected increase of over 250 billion yuan by 2025 [6]. Group 4: Strategic Initiatives and Partnerships - The bank launched the "G60 Comprehensive Service Plan" tailored for technology enterprises, aiming to enhance support for world-class innovation clusters in the region [4][5]. - A digital map for technology and finance development was introduced to visualize the bank's efforts and support for technology enterprises in the Yangtze River Delta [5][6].

11月25日，深圳金融监管局召开新闻发布会，通报了2025年1月至10月深圳银行业保险业的运行情况。 数据显示，深圳金融业整体保持平稳发展态势，规模稳步增长，重点领域支持持续强化，社会民生保障 功能显著增强，为实体经济高质量发展提供了有力支撑。 深圳金融监管局统计数据显示，截至2025年10月末，深圳金融监管局监管的银行业资产总额达14.36万 亿元，同比增长4.37%；负债总额13.97万亿元，同比增长4.44%。各项贷款余额9.91万亿元，同比增长 4.92%；各项存款余额10.00万亿元，同比增长4.95%。资产、负债、存贷款规模均稳居全国大中城市第 三位。 在保障社会民生方面，数据显示，今年1-10月，深圳辖内保险业积累的人身险及长期健康险责任准备金 余额达7580.97亿元，累计赔付支出616.64亿元。面对年内多轮台风暴雨灾害，深圳保险业迅速响应，前 10个月累计接到报案超5700件，估损金额超1.1亿元，充分发挥了经济"减震器"和社会"稳定器"的作 用。 保险业同样表现亮眼。前10个月，深圳保险业实现原保险保费收入1910.45亿元，规模位列全国大中城 市第三，同比增长12.20%，增速在一线城 ...

11月25日，深圳金融监管局组织召开2025年第四场新闻发布会，会议介绍了深圳银行业保险业近期运行 情况，通报深圳银行业保险业稳外贸促消费有关工作举措和成效。 据深圳金融监管局统计处副处长王炜介绍，2025年1—10月，深圳银行业保险业整体平稳运行，着力做 好金融"五篇大文章"，更好服务高质量发展。 截至10月末，深圳金融监管局监管的银行业资产总额14.36万亿元，同比增长4.37%；负债总额13.97万 亿元，同比增长4.44%。各项贷款余额9.91万亿元，同比增长4.92%；各项存款余额10.00万亿元，同比 增长4.95%，资产、负债、存贷款规模均稳居全国大中城市第三位。 社会民生保障方面，1—10月，辖内保险业积累人身险及长期健康险责任准备金余额7580.97亿元，累计 赔付支出616.64亿元；截至10月末，深圳个人养老金开户599.3万户，累计缴存资金77.2亿元，位居全国 前列。 据深圳金融监管局副局长潘文波介绍，2025年，面对严峻复杂的外部环境，深圳金融监管局强化监管引 领，引导深圳银行业保险业为外贸企业稳健发展注入强劲金融动能。2025年前10个月，深圳全市中资银 行新发放外贸企业贷款76 ...

Group 1 - The core viewpoint of the articles highlights the successful listing of domestic high-performance GPU chip company Moore Threads and the significant participation of Ningyin Wealth Management in the new stock subscription, leading the banking wealth management sector in both the number of products and allocation amount [1] - Ningyin Wealth Management has actively engaged in new stock subscriptions, achieving a 96% success rate with 24 out of 25 attempts this year, resulting in allocations exceeding 10 million yuan, supported by a robust research and investment system [1] - The recent policy changes have positioned bank wealth management on par with public funds in terms of offline subscription status, enabling Ningyin Wealth Management to leverage this opportunity for strategic investments in equity [1] Group 2 - Ningyin Wealth Management is aligning with the national strategy of "Five Major Articles" in finance, particularly focusing on "Technology Finance" to channel more financial resources into technological innovation [2] - The company has launched various themed investment products targeting smart manufacturing, technological innovation, and manufacturing overseas, ensuring funds are allocated to key areas that support national strategic needs [2] - By adopting a long lock-up period for investments, Ningyin Wealth Management demonstrates its commitment to the "patient capital" philosophy, translating policy guidance into actionable investment practices [2]