2026年1月30日，中国人民银行召开2026年信贷市场工作会议。会议以习近平新时代中国特色社会主义 思想为指导，深入学习贯彻党的二十届四中全会和中央经济工作会议精神，落实中国人民银行工作会议 要求，总结2025年信贷市场工作，分析当前形势，部署2026年工作。中国人民银行党委委员、副行长朱 鹤新出席会议并讲话。 会议认为，2025年中国人民银行扎实推进金融"五篇大文章"、金融支持扩消费、地方政府融资平台债务 风险化解等各项工作，取得积极成效。金融"五篇大文章"各项工作机制更加顺畅，融资平台债务风险大 幅缓释，金融支持实体经济高质量发展质效持续提升。 会议要求，做好2026年信贷市场工作要准确把握"十五五"时期经济金融形势变化，统筹发展和安全，不 断加强对重大战略、重点领域和薄弱环节的优质金融服务。进一步完善金融"五篇大文章"各项机制，落 实好结构性货币政策工具增量政策，加强与财政政策协同，大力发展科技金融、绿色金融、普惠金融、 养老金融、数字金融，强化消费领域金融支持。建设多层次金融服务体系，着力支持扩大内需、科技创 新、中小微企业等重点领域。继续做好金融支持融资平台债务风险化解工作，支持地方政府持续推进融 ...

市场有风险，投资需谨慎。本文不构成个人投资建议，也未考虑到个别用户特殊的投资目标、财务状况或需要。用户应考虑本文中的任何 意见、观点或结论是否符合其特定状况。据此投资，责任自负。 2026年1月30日，中国人民银行召开2026年信贷市场工作会议。会议要求，大力发展科技金融、绿色金 融、普惠金融、养老金融、数字金融，强化消费领域金融支持。建设多层次金融服务体系，着力支持扩 大内需、科技创新、中小微企业等重点领域。继续做好金融支持融资平台债务风险化解工作，支持地方 政府持续推进融资平台市场化转型，引导金融机构按照市场化、法治化原则做好服务。 风险提示及免责条款 ...

真正的养老金融，应系好三条核心"安全带"：一是 "长期约束" ，通过机制设计锁定"未来的钱"，利用复利稳健增值；二是 "风险管控" ，将资产安全置于 收益之上，追求长期确定性；三是 "终身领取" ，核心在于提供将积累转化为稳定现金流的方案，化解长寿带来的财务风险。这要求产品从"重销售"转向 "重服务" ，贯穿工作、退休全周期。 对江苏而言，发展养老金融是丰富"苏适养老"内涵的关键支撑。 本省居民储蓄基础好、金融认知度高，对稳健资产需求明确。金融机构可立足本地，积 极探索：开发条款透明、费用合理的专属产品；深入社区开展务实教育，讲清长期复利与纪律投资的意义；推动金融产品与省内优质养老社区、康养服务 对接，打造"金融规划+服务兑现"的闭环体验。 归根结底，养老金融的成熟，标志着养老责任从政府"单一支柱"转向 "政府、市场、个人协同共担" 的深刻转型。它赋予个人的不仅是一份资产，更是规 划老年生活的底气和从容。江苏有基础、也有责任在此领域先行探路，让"苏适养老"因可靠的金融支撑而更加踏实、丰盈。扬子晚报/紫牛新闻记者 任赛 丰 随着个人养老金制度推开与各类养老金融产品涌现，"养老钱从哪来"有了更多市场答案。然而，一 ...

Core Insights - The financial performance of Haixi State in 2025 shows significant growth, with deposits exceeding 90 billion yuan and loan balances reaching 53.74 billion yuan, marking a year-on-year increase of 16.36% [1] - Haixi State is focusing on integrating financial resources with key strategic areas, particularly in the development of the "Four Land" industries, directing financial support towards sectors like salt lake chemicals, new energy, and new materials [1] - The state has introduced innovative financial products tailored to specific industries, such as "Goji Loan" and "Livestock Loan," which have collectively facilitated 2.2 billion yuan in loans [1][2] Financial Performance - By the end of 2025, loans for the "Four Land" industry construction exceeded 40 billion yuan, with a remarkable 131% year-on-year increase in medium to long-term loans for manufacturing [1] - Green finance is a priority, with green loan balances reaching 26.52 billion yuan, and over 95% of loans directed towards clean energy and ecological agriculture [1] Inclusive Finance - Over 3,000 enterprises have received a total of 14.237 billion yuan in loans and renewals, demonstrating the deepening of inclusive financial services [1] - The balance of loans for small and micro enterprises stands at 23.37 billion yuan, maintaining double-digit growth and expanding financial service coverage [1] Innovation in Financial Services - Haixi State has implemented its first pure patent pledge loan, providing a new pathway for technology-based enterprises to convert intellectual property into assets [2] - The "Qingxinrong" platform has issued loans totaling 3.61 billion yuan, enhancing service efficiency through digital transformation [2] - The state is focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, to channel more financial resources into critical economic sectors [2]

（来源：青岛金融） 青岛金融机构正成为银发经济的深度参与者。 这种深度，来自于养老金融生态圈的持续打造。作为全国首批多项养老金融改革试点城市，青岛通过完 善政策体系、创新金融产品，初步构建起多层次养老金融服务体系，为银发经济发展注入强劲金融动 能。 这种深度，来自于青岛金融机构加力优化服务供给。养老金融的主要功能是为银发经济发展提供融资支 持，加大对养老及健康产业的融资支持。2025年以来，青岛各银行机构不断提升养老服务金融质效，包 括进一步加大对养老服务机构的信贷支持力度，优化贷款审批流程；进一步推进金融服务设施的适老化 改造，加强金融知识普及教育，提高老年人金融素养和风险防范意识利用金融科技手段，开发适合老年 人使用的线上金融服务平台，提升金融服务的便捷性与可得性。 多维发力、深耕养老金融，青岛金融机构正"加速跑"。 落地"养老顾问服务点" 提升金融服务适老化水平是养老金融的重要一极。 近日，青岛市民政局授予交通银行青岛分行4家网点首批"养老顾问服务点"称号，并为4名"养老服务顾 问队"代表授牌；同步为4家社区及机构颁发"养老金融服务示范社区/机构"牌匾，标志着青岛市政银协 同推进养老服务向社区延伸、向基 ...

Core Viewpoint - The "14th Five-Year Plan" period is crucial for China's financial sector, particularly for small and medium-sized banks (SMBs) to transition from "scale expansion" to "quality improvement" amidst various challenges and opportunities [1] Group 1: Strategic Positioning - SMBs must align their new strategies with national directives, focusing on technology finance, green finance, inclusive finance, pension finance, and digital finance to avoid homogenization [2] - Emphasis on local core customer groups and unique industries is essential, moving away from a "big and complete" expansion mindset to a "small, beautiful, specialized, and precise" differentiation strategy [2] - SMBs should balance policy guidance with market demand, prioritizing quality and risk control while defining business boundaries and development priorities [2] Group 2: Supply-Side Reform - Optimizing the shareholder structure is key for SMB governance, focusing on reducing the number of natural person shareholders and introducing strong strategic investors [3] - Rural SMB reforms should follow a "one province, one policy" approach, integrating resources to enhance risk resistance and service levels [3] - Strengthening shareholder management and transparency is vital to improve governance and decision-making efficiency [3] Group 3: Policy Opportunities - SMBs should actively pursue core licenses, particularly for wealth management companies, to enhance non-interest income and competitiveness [4] - Collaboration with licensed wealth management firms can help SMBs maintain market share while developing differentiated financial products [4] - Expanding into fund sales, insurance agency, and consumer finance licenses will diversify business and improve profitability [4] Group 4: Digital Transformation - Digital transformation is essential for SMBs to enhance service efficiency and reduce operational costs, focusing on practical applications rather than just technology [5][6] - Prioritizing the digitalization of high-frequency services like retail loans and payments will improve customer service efficiency [5] - Building a digital risk management system using big data and AI will enhance risk assessment and monitoring capabilities [8] Group 5: Capital Supplementation - Capital adequacy is critical for SMBs, with IPOs being a primary focus for capital supplementation during the "14th Five-Year Plan" [7] - SMBs must improve governance and asset quality to meet IPO requirements while exploring other capital tools like perpetual bonds and preferred shares [7] Group 6: Risk Management - Enhancing risk management capabilities through digital means is crucial for SMBs facing various risks [8] - Establishing a comprehensive digital risk control system will facilitate real-time monitoring and risk assessment [8] - Focusing on key risk areas and developing differentiated risk standards will help manage credit and operational risks effectively [8] Group 7: Scene Finance - Scene finance is vital for SMBs to achieve differentiation and enhance customer loyalty by integrating financial services with everyday scenarios [9] - Targeting high-frequency areas like education and healthcare will improve customer engagement and service accessibility [9] - Collaborating with local governments and enterprises to create a financial ecosystem will expand customer reach and enhance service offerings [9] Group 8: Pension Finance - The aging population presents a significant opportunity for SMBs to develop pension finance products tailored to different customer segments [10][11] - Offering a range of pension products and services will cater to varying customer needs and enhance customer retention [10] - Integrating pension finance with community services will create a comprehensive service model that boosts customer loyalty [11] Group 9: Local Industry Development - SMBs should leverage local government support to align with regional economic development and enhance their service offerings [12] - Focusing on local industries and customizing financial products to meet specific needs will strengthen SMBs' market position [12] - Participating in local financial ecosystems will enhance brand influence and foster a mutually beneficial relationship with the community [12] Group 10: Channel Optimization - Physical branches must evolve from transaction-focused to service-oriented spaces, enhancing customer experience [13] - Implementing smart technologies in branches will streamline operations and improve service quality [13] - Creating specialized branches that cater to local needs will increase customer traffic and engagement [13]

0 18 所示 18 a f 在这方面，上海国投公司做了很多工作，包括联动社会资本，引进耐心资本、长期资本，招投联动，形 成上海独有的特色，助力科创企业来上海落户发展，走出一条健康发展的路子。 二是做好风险防控。建议进一步强化投后/贷后管理，建立完善的"四早"预警机制和风险监测系统；建 立适应科技企业发展特点的评价体系，更注重考量技术、数据资源等核心轻资产价值，并将团队、技 术、成果、模式等作为关键因素。 在绿色金融方面，郑杨建议，推动绿色金融产品创新，完善标准和监管体系：一是做好绿色金融领域整 体规划。布局加大绿色债券的发行规模，把上海建成长三角绿色债券发行中心；先行建立长三角统一的 ESG评价体系，加强对金融机构环境信息披露、碳核算碳审计的引导。二是加快绿色金融创新发展。持 续推动绿色信贷、绿色债券、绿色保险等产品创新；扎实加快转型金融机制的持续落地；将发展绿色金 融和海洋经济结合起来。 在普惠金融方面，郑杨建议，优化普惠金融服务，提升风险管理能力：一是深化普惠金融领域的深层次 改革。完善"政府+银行+保险"合作模式，构建合理的风险共担与利益分配机制；大力推进上海及长三 角地区普惠金融平台建设。二是提升普 ...

Core Viewpoint - The integration of Shanghai's international financial center construction and the science and technology innovation center is focused on technology finance, aiming to create a new model for Shanghai [1][4]. Financial Development Strategy - During the 14th Five-Year Plan, Shanghai's financial initiatives have shown significant progress, ranking among the best in the country. The 15th Five-Year Plan aims to further enhance financial services for the real economy [1][4]. - Key challenges include insufficient patient capital, lack of a sound standard system, information opacity, and risks associated with innovation. A comprehensive approach involving overall planning, collaborative advancement, resource integration, and risk control is recommended [1][4]. Technology Finance Initiatives - Strengthening capital support and innovative financial tools is essential for technology finance. Specific measures include accelerating financial reform and resource integration, establishing a full lifecycle service mechanism for tech enterprises, and enhancing capital market development [5]. - A white list mechanism is proposed to improve fund circulation efficiency, alongside the development of diversified capital products such as index funds [5]. Risk Management - Emphasis on post-investment and post-loan management is crucial, with the establishment of a comprehensive early warning mechanism and risk monitoring system tailored to the characteristics of technology enterprises [5]. Green Finance Recommendations - Promoting innovation in green financial products and improving standards and regulatory systems is vital. This includes increasing the issuance of green bonds and establishing a unified ESG evaluation system in the Yangtze River Delta [6]. - Continuous development of green credit, bonds, and insurance products is encouraged, along with integrating green finance with marine economy [6]. Inclusive Finance Enhancements - Optimizing inclusive finance services and improving risk management capabilities are recommended. This involves deepening reforms in the inclusive finance sector and enhancing the cooperation model among government, banks, and insurance [7]. - Establishing a diversified resolution mechanism for financial disputes and improving credit assessment systems are also suggested [7]. Pension Finance Development - A diversified pension finance system should be constructed, with a focus on planning and reforming the pension finance mechanism to allow for broader investment opportunities [7]. Digital Finance Strategy - Integrating data resources and strengthening digital risk control systems are essential. This includes breaking down data barriers and establishing a comprehensive data service platform [7]. - The development of digital infrastructure and expanding the application scenarios for digital currency are also highlighted [7]. International Financial Center Goals - The 15th Five-Year Plan suggests enhancing the competitiveness and influence of the international financial center and accelerating the establishment of a global RMB asset allocation center [8]. - Recommendations include improving the international asset trading framework based on RMB asset transactions and advancing the construction of both onshore and offshore financial centers [8].

围绕科技金融建设，他建议加强资本支持与创新金融工具。具体举措如下：一是加快金融改革创新和资 源整合。依托银行做好科创企业全生命周期服务，可建立由科创企业主账户银行牵头的全流程服务机 制。建立白名单机制，以投引贷、以贷助投，提升资金循环利用率；发展多层次、市场化的资本市场。 可充分发挥先导产业母基金以投促引、以投促产、以投促创作用。营造良好的投资氛围，吸引并引导长 期、耐心资本在沪加大投资，落沪更多面向全球市场的新技术、新机会、新业态和新模式。丰富退出渠 道，大力布局扩大并购基金、未来基金、S基金规模，支持企业并购发展。大力发展科创指数基金，打 造多元化资本产品。 二是做好风险防控。建议进一步强化投后/贷后管理，建立完善的"四早"预警机制和风险监测系统；建 立适应科技企业发展特点的评价体系，更注重考量技术、数据资源等核心轻资产价值，并将团队、技 术、成果、模式等作为关键因素。 "在这方面，上海国投公司做了好多工作，包括联动社会资本，引进耐心资本、长期资本，招投联动， 形成上海独有的特色，助力科创企业来上海落户发展，能在这里感觉如鱼得水，能获得效益，并走出一 条健康发展的路子。"郑杨说，上海国投公司成立以来，通过 ...

（来源：湖南金融） 1月30日,我市举行金融赋能实体·协同共促发展2026年金融政策专题培训会,全力赋能实体经济。副市长杨桦出席并讲话。 会议听取了全市2025年金融工作情况及2026年金融工作要点汇报。市金融系统相关负责人围绕新结构性货币政策工具、金融"五篇大文章"支持举措、金融 风险防范化解等方面开展专题辅导,重点解读了政策要点、适用场景与实操路径。 近年来,全市金融机构各项存贷款余额分别达到5622.7亿元和4428.5亿元,同比增长10.5%和10%,余额分列全省第4位和第2位,增速居全省第3位和第2位。存贷 比为78.8%,两项收入累计实现113.12亿元,增速排名全省第8位。保费收入115.62亿元,同比增长5.60%,增速位列全省第3位。 会议以视频形式开到各县市区。 会议强调,2026年是"十五五"开局之年,全市金融系统要深入贯彻落实中央及省市决策部署,牢牢把握"防风险、强监管、促高质量发展"主线。要强化政治引 领,确保金融工作服务全市发展大局;聚焦服务实体经济,精准运用各项政策工具;持续擦亮普惠金融、养老金融等特色试点;稳妥化解重点领域风险,筑牢金融 安全底线;健全政金企对接机制,凝聚高质量 ...