10月21日，中国人民银行网站发布中国人民银行行长潘功胜在十四届全国人民代表大会常务委员会 第六次会议上作国务院关于金融工作情况的报告。潘功胜表示，金融系统将坚持稳字当头、稳中求进， 针对经济形势的变化，精准有力实施宏观调控，切实加强金融监管，着力扩大内需、提振信心、防范风 险，推动经济运行持续回升向好。 潘功胜还说，对地方融资平台债务风险，坚持分类施策、突出重点，统筹协调做好金融支持融资平 台债务风险化解工作，压实地方政府主体责任，推动建立化债工作机制，落实防范化解融资平台债务风 险的政策措施；按照市场化、法治化原则，引导金融机构依法合规支持化解地方债务风险；建立统计监 测体系，加大政策落实力度。对房地产市场风险，按照因城施策原则，指导各地精准实施差别化住房信 贷政策，加大保交楼金融支持力度，一视同仁支持房地产企业合理融资需求，保持房地产融资平稳。对 非法金融活动，进一步加大打击力度，强化监测预警，加强金融知识普及教育，对洗钱犯罪行为和地下 钱庄保持高压严打态势。 对于首套存量房贷利率下调，据记者了解，目前，已有超过22万亿元存量房贷利率完成下调，惠及 约5000万户、1.5亿人，利率平均降幅0.73个百分 ...

Group 1 - The core idea of the article is that China Life Anping Branch organized a financial literacy event to enhance residents' financial awareness and risk prevention capabilities [1] - The event included setting up consultation booths, distributing promotional materials, and providing on-site explanations about various financial topics such as basic insurance knowledge, personal information protection, and prevention of illegal fundraising and telecom fraud [1] - Residents actively participated in interactive quizzes related to financial knowledge, with correct answers rewarded with small gifts from China Life, indicating a high level of engagement and interest in financial education [1] Group 2 - The event received positive feedback from community residents, with participants expressing that the activity was meaningful and provided practical financial knowledge to help them address financial issues in the future [1] - The responsible person from China Life Anping Branch stated that the company will continue to conduct financial literacy activities to contribute to building a safe and harmonious financial environment [1]

Group 1 - The core viewpoint of the article is the collaboration agreement among Heilongjiang Provincial High People's Court, Heilongjiang Provincial Local Financial Supervision Administration, and the People's Bank of China Heilongjiang Branch to resolve financial disputes effectively and support high-quality financial development [1][2] - The agreement includes 13 measures aimed at coordinating financial innovation and risk prevention, as well as aligning judicial and regulatory policies to enhance financial security [1] - The three parties will strengthen regular information exchange and jointly study the situation of financial disputes and trial trends in the region [1] Group 2 - The agreement emphasizes the importance of preventing financial disputes at the source and encourages financial institutions to prioritize non-litigation methods for dispute resolution [1] - It also outlines procedures for cases that meet the conditions for litigation but have not yet been formally filed, enhancing the connection between mediation and litigation [1] - The courts will issue judicial recommendations to financial institutions when they identify ambiguous legal relationships or potential risks in financial contracts, promoting clearer contract terms [2]

Group 1 - The restoration of VAT on newly issued government bonds, local government bonds, and financial bonds starting from August 8 aims to enhance fiscal sustainability and prevent financial risks while promoting market efficiency and the development of the bond market [1][2]. - This policy adjustment is expected to improve the transparency and compliance of bond issuance and trading, reducing speculative arbitrage and enhancing the risk-return matching in the market [1][2]. - The tax treatment of different bond types will become more consistent, leading to improved pricing efficiency and resource allocation in the bond market, ultimately directing funds towards high-quality development sectors such as technology innovation and green economy [2][3]. Group 2 - The implementation of the VAT policy will adopt a "new and old distinction," allowing existing bonds to continue enjoying the previous tax exemption until maturity, which aims to avoid drastic impacts on the current bond market while gradually moving towards a more transparent and efficient development phase [3]. - The adjustment aligns China's bond market tax arrangements more closely with international practices, enhancing market comparability and institutional transparency, which is crucial for high-level financial opening [2][3]. - Future reforms may include improvements in tax administration details, market expectation guidance, and the development of supporting systems such as credit rating and investor protection, contributing to the sustainable and high-quality development of China's bond market [3].

Core Viewpoint - The People's Bank of China (PBOC) Hubei Branch emphasizes the importance of financial risk prevention and management, aiming to enhance financial stability and service quality in the region [1] Group 1: Financial Risk Management - The meeting highlighted the need for proactive measures to prevent and mitigate financial risks, ensuring the safety and stability of the financial sector in Hubei [1] - Continuous support for local financing platforms to manage debt is a priority [1] - The establishment of a risk monitoring and early warning mechanism for local financial institutions is essential for early identification and handling of risks [1] Group 2: Financial Service Optimization - The focus is on improving the public's access to and satisfaction with financial services [1] - Accelerating on-site law enforcement inspections and strictly enforcing administrative penalties are key actions [1] - The implementation of a comprehensive statistical system for the "Five Major Financial Articles" is being promoted [1] Group 3: Regulatory Measures - There is an ongoing effort to combat fraud and gambling-related financial activities through precise governance of the "funding chain" [1] - Continued efforts to address cash refusal and counterfeit currency issues are being prioritized [1] - Regulatory oversight in areas such as credit reporting and anti-money laundering is being strengthened [1]

据悉，近年来，成都全面加强西部金融中心建设，金融支持实体经济力度进一步加大，全市金融业 呈现良好发展态势，截至2月末，成都本外币贷款余额6.9万亿元，同比增长9.9%，增速在15个副省级城 市中居第2位。截至2月末，成都科创、绿色、普惠小微、制造业中长期贷款分别增长14.6%、19.4%、 12.2%、16.7%，均高于各项贷款增速。2024年，成都金融业增加值2311.3亿元，同比增长4.1%，占GDP 的9.8%，金融业成为全市仅次于制造业的第二大支柱产业。中国人民大学发布的《2024天府金融指数 报告》显示，成都市金融指数居全国第5位，连续8年居全国前列。 责任编辑：杨喜亭 会上，中国人民银行四川省分行与成都市委金融委员会办公室签署了《金融工作合作备忘录》，明 确市级、部门、县域等3个层面的合作机制，重点在支持实体经济发展、金融风险防范处置、区域金融 改革创新、金融服务、外汇管理、信息共享与调查等13个方面开展工作推进，双方将在金融服务与管理 领域开展深度合作，确保机构改革后对成都市及各区（市）县的金融服务不断档、金融支持不减弱，共 同推动成都金融高质量发展。 为进一步推动县域金融服务工作，助力成都经济 ...

Core Viewpoint - The article highlights the successful development of the peach industry in Mengyin, Shandong, through various financial and marketing initiatives that support local farmers and enhance the overall supply chain [1][4][5]. Financial Support and Risk Prevention - Mengyin's financial regulatory bureau has implemented targeted measures to support peach farmers, including organizing financial education programs to prevent illegal fundraising and fraud during the peak sales season [2][3]. - A total of 11 teams were formed to conduct on-site financial literacy campaigns, reaching over 18,000 participants during the promotional month [2]. Market Development and Sales Channels - The establishment of a yellow peach trading market has improved pricing power for farmers, with daily transaction volumes reaching over 20,000 jin and prices approximately 0.3 yuan higher than other markets [3]. - Online sales have become a significant channel, with over 4 billion jin of peaches sold through e-commerce platforms, supported by financial products tailored for the e-commerce sector [4]. Industry Chain Enhancement - The financial bureau has facilitated the development of a comprehensive peach industry chain, including a modern peach planting demonstration base and various value-added products [5][6]. - The total loan balance for the peach industry in Mengyin has reached 1.56 billion yuan, supporting various stages of production and sales [4]. Digital Transformation and Efficiency - A new digital platform has been established to streamline transactions and improve efficiency in the peach trading market, moving away from traditional manual accounting methods [7]. - The initiative aims to replicate this digital transformation across other local industries, enhancing overall operational efficiency and reducing transaction costs for small businesses [7].

Core Viewpoint - The Financial Regulatory Bureau has revised the "Management Measures for Currency Brokerage Companies" to enhance supervision, standardize brokerage behavior, prevent financial risks, and promote high-quality development in the industry [1]. Group 1: Regulatory Changes - The minimum registered capital requirement for currency brokerage companies has been increased from 20 million RMB to 100 million RMB [2]. - The revised measures specify that brokerage companies must comply with regulatory requirements for financial products and obtain necessary licenses or filings from relevant authorities [2]. Group 2: Business Scope and Services - Currency brokerage companies are now allowed to provide matching services for transactions involving currency, bonds, foreign exchange, gold, and derivatives, but are prohibited from engaging in proprietary trading [3]. - They can also offer data services to recognized financial infrastructure operators, valuation institutions, financial information service providers, and domestic and foreign financial institutions, while ensuring data security and compliance with laws [3]. Group 3: Enhanced Supervision and Compliance - The revised measures emphasize the need for brokerage companies to confirm that financial institutions have obtained market access qualifications and that their trading personnel are authorized to conduct transactions [4]. - There is a focus on strengthening full-process management, including due diligence, service agreements, anonymous matching, transaction confirmations, and fee management [4][5]. Group 4: Management of Brokers - A dedicated chapter on "Broker Management" has been added, requiring brokerage companies to implement compliance training, incentive mechanisms, and supervision for brokers [6]. - The measures outline 14 prohibited activities to prevent harm to clients' rights and market order, such as providing services beyond the business scope and transmitting false trading information [6].

Group 1 - The core idea of the article is that China Merchants Bank's Beijing branch has launched various activities aimed at elderly clients, combining financial education with cultural experiences to enhance their financial risk awareness and security [1][2][4][6][7] Group 2 - The "Umbrella Dance Cultural Inheritance + Elderly Financial Education" project was implemented by China Merchants Bank's Beijing Lugu branch, integrating traditional art appreciation with financial fraud prevention courses, engaging 20 retired women in learning classical umbrella dance [2] - The "Flowers Accompany, Wealth Protection" themed event at the East Third Ring branch combined flower arrangement with practical financial fraud knowledge, guiding elderly clients to enhance their risk identification and prevention abilities [4] - A specialized financial knowledge education event was held at a nursing home by the Daxing branch, focusing on prevalent financial fraud traps and providing practical financial safety tips to the elderly [6] - The bank plans to continue its elderly care initiatives, aiming to create a warm and respectful service environment for elderly clients, ensuring they receive secure and enriching financial services [7]

Core Viewpoint - The People's Bank of China (PBOC) is committed to implementing a series of monetary policy measures to support economic growth, manage financial risks, and enhance financial services, while also promoting high-level financial openness and international cooperation [1][2][3][4][5][6][7][8]. Group 1: Monetary Policy and Economic Support - The PBOC has adopted a moderately loose monetary policy, reducing the reserve requirement ratio and various interest rates to ensure ample liquidity and lower financing costs [1][2]. - As of June, loans in technology, green finance, inclusive small and micro enterprises, and the elderly care industry have seen year-on-year growth rates of 12.5%, 25.5%, 12.3%, and 43% respectively [2]. - The PBOC aims to maintain a balance between money supply growth and economic growth expectations, enhancing the effectiveness of monetary policy transmission [6]. Group 2: Financial Risk Management - Significant progress has been made in resolving debt risks associated with financing platforms, with a focus on orderly risk management in key institutions and regions [2][3]. - The establishment of the PBOC's Macro-Prudential and Financial Stability Committee has strengthened the financial stability framework [2]. - The PBOC is committed to supporting the stable operation of capital markets and addressing illegal activities in the bond market [2][3]. Group 3: Financial Openness and International Cooperation - The PBOC is advancing the construction of the Cross-Border Interbank Payment System (CIPS) and enhancing the connectivity of payment systems between mainland China and Hong Kong [3]. - Efforts are being made to promote the international use of the Renminbi, including the development of offshore Renminbi markets and bilateral currency swaps [3][7]. - The PBOC is actively participating in global financial governance and cooperation, including establishing annual meetings with European central bank leaders [3][7]. Group 4: Financial Management and Service Improvement - The PBOC is accelerating important legislative reforms and enhancing the regulatory framework for financial services [4][8]. - The implementation of the "Five Major Articles" in finance has been fully rolled out, providing a comprehensive statistical overview [4]. - The PBOC is focusing on the development and application of digital currency, as well as improving cash management services [4][8]. Group 5: Party Governance and Internal Management - The PBOC is reinforcing its internal governance and compliance with party regulations, ensuring effective oversight and management of its operations [5]. - Continuous education on party discipline and regulations is being emphasized to strengthen internal management and accountability [5].