齐鲁晚报.齐鲁壹点通讯员吕立文 近日，建行临沂兰陵支行成功为辖区内小微企业发放普惠贷款410万元，以精准高效的金融服务，直击 企业资金周转痛点，为小微企业发展注入"强心剂"，也为县域经济振兴增添了坚实动能。 "齐鲁振兴贷"作为助力地方发展的特色金融产品，是该行深耕县域实体经济、践行普惠金融理念的生动 实践。此笔贷款的快速落地，不仅破解了小微企业"融资难"的燃眉之急，更彰显了我行立足地方、服务 实体的责任担当。 立足新起点，该行将紧跟步伐、主动作为，紧扣地方发展规划，聚焦企业融资堵点难点，持续提升金融 服务精准度与实效性。通过优化信贷流程、创新服务模式，让金融"活水"更顺畅地流向实体经济各领 域，以更有力的金融支持，滋养地方经济高质量发展沃土，为区域振兴贡献更多金融力量。 ...

Core Insights - The article discusses the winter jujube cultivation in Dali County, Shaanxi, highlighting the three types of greenhouses used for different maturation periods, with the earliest harvest starting in May and the latest in October [1][2][12]. Group 1: Industry Overview - Dali County is recognized as "China's Jujube Town," with winter jujube cultivation covering tens of thousands of acres and the entire industry chain's output value exceeding 10 billion yuan [2][12]. - The winter jujube's market not only thrives domestically but also exports to Central Asia, Europe, and the United States, making it a pillar industry for local economic development [2][12]. Group 2: Financial Challenges - Farmers face significant financial pressure due to high costs associated with winter jujube cultivation, including heating equipment, daily maintenance, fertilizers, and labor during the busy season [2][4][12]. - A specific case is highlighted where a farmer, referred to as Old Dong, experienced cash flow issues and faced difficulties obtaining loans from traditional financial institutions due to collateral requirements and bureaucratic hurdles [5][15]. Group 3: Innovative Financial Solutions - The article introduces the role of Fenqi Le Puhui, a financial service provider that offers localized financial solutions without the need for collateral, addressing the challenges faced by small micro-businesses and individual entrepreneurs [7][19]. - Fenqi Le Puhui employs a localized service model, utilizing local staff familiar with regional agricultural practices to provide financial services directly to farmers, thus overcoming traditional financial service limitations [19]. - The service allows for quick loan approvals based on actual business performance rather than standard collateral, enabling farmers to access funds rapidly, often within minutes, to meet their operational needs [19].

Core Viewpoint - The article highlights the successful implementation of the "Merchant Cloud Loan" by the Bank of China, which has significantly aided local businesses in overcoming financial challenges during peak inventory seasons [1] Group 1: Financial Support for Local Businesses - The "Merchant Cloud Loan" product was introduced to assist local merchants like Zhang, who faced cash flow issues during the busy renovation season [1] - The loan process was expedited, with a credit loan of 200,000 yuan being approved and disbursed within just three working days [1] - The bank's customer manager provided comprehensive support, simplifying the approval process for local merchants [1] Group 2: Customized Financial Solutions - The bank is committed to deepening its engagement with the Yishui business community by forming a dedicated "Merchant Service Team" [1] - The team will offer tailored financing solutions to local merchants in key markets such as the Yishui Small Commodity City and agricultural product wholesale markets [1] - The bank aims to provide a one-stop service that includes loans, settlement, and wealth management to enhance financial accessibility for small and micro enterprises in the region [1]

近年来，泗洪农商银行始终坚守本土阵地，以精耕细作的服务姿态、精准滴灌的金融举措，聚焦"三 农"发展、小微企业培育、重点群体帮扶三大核心领域，持续输送金融活水，为地方经济高质量发展注 入强劲动力。 坚持支农惠农，倾力浇灌"三农"沃土。泗洪农商银行始终将"三农"工作置于优先位置，深入实施"阳光E 贷"提质增效工程，创新推广"三提三知"工作模式，即提户知人、提人知事、提事知情，组织客户经理 下沉一线、走村入户，开展地毯式走访调研，全面摸清农户生产经营需求，搭建起精准对接的金融服务 桥梁。2025年，该行累计走访里程达4.19万公里，实现全县303个行政村走访全覆盖，用脚步丈量民 情，用真心倾听诉求。在此基础上，扎实推进农户信用体系建设，累计为14.87万户农户建立信用档案 并授信237.06亿元，推动农户授信覆盖面达79.3%，较年初增加0.52个百分点，让更多农户凭借信用就 能获得金融支持。同时，该行单列涉农信贷计划，精准对接粮食生产、乡村产业发展、新型农业经营主 体培育等重点领域，优先保障信贷资源供给，助力农业强、农村美、农民富。截至2025年末，该行普惠 型涉农贷款较年初增长3.26亿元。 助推小微发展，精准 ...

创新监管机制、打造优质的营商环境。对市场主体推行包容审慎监管，设定观察期，让市场主体有更好的发展 空间。完善以信用为基础的新型监管机制。推广非现场监管，运用互联网、远程监控、大数据预警等智慧化手 段，提升监管的精准性和有效性。 降低融资和运营成本，打造成本最低的运营环境。确保减税降费政策的落实，为中小企业搭建银企对接平台， 推动普惠金融和信用贷款产品创新；设立政府性融资担保基金，为小微企业增信。规范公用事业收费，降低制 度性交易成本。拓宽企业融资渠道，建立政银企常态化对接机制，为企业降低融资成本。 政协委员 韩红春 沈阳市政协委员、辽宁正时律师事务所主任韩红春针对推进营商环境标杆城市建设亟待破解的问题提出建议。 以全力打造办事最快、服务最优、监管最公、法治最好的政务环境为目标，她建议除多措施最大限度压缩审批 环节和时限，推动政务服务全网办理外，可利用大数据分析企业需求，为重点项目和重点企业提供从签约、落 地、建设到运营的全程跟踪、精准帮扶服务。 同时，建议提升法治建设水平，巩固优质营商环境的基石。以法治化、制度化来保护企业的自主经营权，让企 业安心经营、放心投资。提升司法效率，设立商事纠纷"绿色通道"，缩短案 ...

近年来，全球经济格局深度调整，国内经济迈向高质量发展新阶段，金融作为国民经济的血脉，正迎来 战略机遇与转型挑战并存的关键时期。 岁序更替，华章日新。中央金融工作会议明确"加快建设金融强国"的宏伟目标，"金融强国"被首次写入 五年规划建议当中，一系列稳增长、促创新、防风险的政策举措落地见效，货币政策与财政政策的协同 发力，为金融行业改革发展筑牢根基，更为中国金融开辟新赛道、书写新篇章指明了方向。 政策引领方向，实干书写答卷。金融"五篇大文章"的顶层设计已经构起"1+N"政策体系，为行业发展精 准导航。其中，科技金融聚焦高水平科技自立自强，为科创企业注入金融动能；绿色金融锚定"双碳"目 标，助力经济社会全面绿色转型；普惠金融深耕薄弱环节，让金融服务触达千家万户；养老金融呼应人 口老龄化需求，完善民生保障体系；数字金融依托技术革新，重塑金融服务生态。五篇文章相互支撑、 协同发力，成为金融服务实体经济的核心抓手与重要路径。 守正创新，笃行不怠，新征程的画卷正待铺展，让我们满怀热忱与期待，共赴这场盛会，为共同书写中 国金融高质量发展的崭新篇章而凝心聚力、勇毅前行！ 【点击报名参会】 责任编辑：王进和 潮起东方，奋楫争先 ...

面对国家扩大内需、促进消费升级的政策导向以及日益趋严的监管环境，多家消费金融公司纷纷明 确2026年发展路径。以普惠金融深耕民生需求，以科技创新破解发展难题，在平衡规模与质量、效率与 安全中探寻可持续发展之道，成为行业共识。 普惠深耕：锚定民生需求 合规护航消费提振 消费是经济增长的"压舱石"，消费金融则是连接金融与消费的重要纽带，在激发消费潜力、服务实 体经济中扮演着关键角色。 2025年，国家将拉动内需作为经济增长的关键抓手，一系列支持消费升级、扶持小微企业、激活下 沉市场的政策相继出台。近日，商务部等部门联合印发提振消费相关通知；财政部在近日召开的全国财 政工作会议上明确2026年将大力提振消费、实施专项行动；2026年中国人民银行工作会议上提到要"用 好服务消费与养老再贷款，推动加大服务消费领域信贷投放"。 一系列政策及工作部署形成"组合拳"，为扩大内需注入动力，也为消费金融公司的普惠实践提供了 广阔空间。 经历了从粗放增长到精耕细作的转型阵痛，2026年，消费金融行业站在转型深化的关键节点。 业内专家表示，在政策护航下，2026年消费信贷发展将呈现以下趋势：一是金融机构服务下沉，覆 盖三四线城市及县 ...

Core Viewpoint - The article highlights the transformation of payment methods in China over the past 40 years, emphasizing the shift from passive to active service in public welfare, driven by technological advancements and the digitalization of payment services [1]. Group 1: Evolution of Payment Methods - The initial phase of payment methods relied heavily on offline outlets, with cash transactions being the norm, leading to long queues and inconvenience for users [3]. - The rise of the internet post-2002 facilitated the transition to online payment methods, with banks and payment operators expanding their services to digital platforms [4]. - The second decade of the 21st century marked the emergence of open platform payment services, exemplified by the launch of Everbright Bank's cloud payment service in 2014, which integrated various payment channels and projects [5]. Group 2: Digitalization and Intelligence in Payment Services - Recent years have seen a deepening of digitalization and exploration of intelligent payment services, with Everbright Cloud Payment integrating over 19,000 payment services across various sectors [6][8]. - The service ecosystem has evolved, with suppliers building digital platforms to enhance efficiency, and channels expanding to include diverse payment scenarios [7]. - The introduction of generative AI has transformed user interactions, enabling more intelligent and proactive payment solutions [8]. Group 3: Everbright Cloud Payment's Strategic Logic - Technological innovation is central to Everbright Cloud Payment's success, utilizing distributed architecture, cloud computing, and AI to enhance service responsiveness and stability [7]. - The service has developed a multi-tiered support system to cater to diverse user needs, including localized services for minority populations and educational institutions [8][9]. - By 2025, Everbright Cloud Payment aims to expand its service offerings significantly, achieving nationwide coverage for various utility payments [9]. Group 4: Transition to a Comprehensive Service Platform - Everbright Cloud Payment is evolving from a simple payment tool to a comprehensive service platform, enhancing user experience through various features and promotional activities [11]. - The platform plays a crucial role in equalizing public services between urban and rural areas, allowing residents in remote regions to access the same quality of payment services as urban dwellers [12]. - Future developments will focus on integrating advanced technologies like 5G and IoT to further expand service boundaries and enhance user engagement [12][13].

转自：云南日报 在元江哈尼族彝族傣族自治县，中国银行针对茉莉花产业链的融资痛点，创新推出"云花贷"普惠金融服 务方案。截至2025年11月，"云花贷"已累计投放贷款1100万元，精准支持当地加工企业和种植户，让茉 莉花真正成为农户的"致富花"。 在红河、大理、楚雄等地，农业设施所有权抵押贷款试点正在铺开。截至2025年第三季度末，5个试点 地区农业设施抵押贷款余额6.42亿元，同比增长45.6%，有效破解"三农"领域长期存在的抵押物缺乏难 题。 围绕我省打造"绿色食品牌"，金融资源正以前所未有的精度投向茶叶、咖啡、花卉、中药材等14类高原 特色农业产业。金融机构创新推出的"咖啡贷""七彩云菌贷"等特色产品，如同一把把钥匙打开了不同产 业的信贷供需匹配之锁。截至2025年第三季度末，全省"1+10+3"农业重点产业贷款余额3430.89亿元， 同比增长16.58%，咖啡、花卉、甘蔗、橡胶等6类产业贷款余额同比增速高于20%。截至2025年11月 末，全省涉农贷款余额1.39万亿元，有力维持"三农"对全省金融的基础性支撑。 如今，金融"活水"沿着产业脉络，精准滴灌至每一片关乎乡村振兴与民生福祉的田野。 金融创新赋 ...

Core Insights - Tencent's insurance platform, WeChat Insurance, reported a cumulative claim amount of 8.4 billion yuan and over 25.76 million claims processed by the end of 2025 [1] - The report highlights innovations in claims services, emphasizing faster and more user-friendly processes [3][5] Claims Service Innovations - In July 2025, the National Financial Regulatory Administration issued a notice to promote high-quality development of commercial medical insurance, which Tencent's WeChat Insurance responded to by upgrading its claims service model [3] - The "WeChat Direct Payment" service was launched, allowing users to settle medical insurance claims and reimbursements simultaneously at designated hospitals, reducing the claims process from days to seconds [3][5] - The "WeChat Quick Claims" service now covers over 12,000 public hospitals nationwide, with a commitment to process outpatient claims within one day and inpatient claims within three days [5] AI and Technology Integration - Tencent WeChat Insurance has implemented AI capabilities to enhance claims processing, including automatic data entry and 24/7 online assistance for users [6] - The integration of AI and human services aims to improve customer experience and streamline the claims process [6] Risk Insights - The report reveals significant trends in claims across different demographics, with a notable increase in allergy claims among youth and cancer claims among the elderly [7] - Data indicates that car insurance claims peak during rush hours, while late-night accidents have higher average claim amounts [9] Inclusive Financial Practices - Tencent WeChat Insurance has initiated the "Love Insurance" project, providing affordable coverage for low-income individuals, with over 45,000 beneficiaries and claims exceeding 25.49 million yuan by the end of 2025 [11][12] - The company has also launched insurance solutions for flexible employment, covering over 20 million individuals [12] - Tencent WeChat Insurance aims to enhance accessibility to insurance products through technological advancements and partnerships [12]