近日，建设银行对企业手机银行产品功能和用户旅程进行整合升级，焕新推出5.0版。新版本优化功能 布局，丰富场景应用，提升操作体验和安全保障，提供安全智能、助力小微发展、陪伴企业成长的"金 融+非金融"一站式服务矩阵，目前已支持转账代发、账户查询、投资理财、信贷融资等100余项产品与 服务。 小微友好，单人模式更便捷。升级改版后的企业手机银行对小微企业客户更为友好。针对部分企业财会 人员配备不足的情况，建行对单人操作模式进一步优化，小微企业法定代表人单人即可完成转账、代 发、投资理财等高频对公业务，签约成本更低、办理流程更简化、操作旅程更顺畅。目前，已有近200 万企业客户开通单人模式。 多重安全防线护航资金交易。在持续优化功能和体验的同时，建行通过设备绑定、流程设置等机制，结 合网银盾、生物特征认证、短信验证等安全工具，不断提升企业手机银行安全性，构建多层次安全防护 体系，全程保障客户资金交易安全。 一站式服务能力全面升级。本次改版聚焦对公用户高频金融交易及非金融服务需求，优化整合"普惠精 选""外汇专区""理财精选""投行服务""撮合服务"等功能模块，对账户查询变更、电子对账、电子回单、 单人模式、待办事项、 ...

12月23日，中国银行在京发布《中银科创贯通式客户培育计划》(以下简称"贯通式培育计划")，将聚焦 重点领域，完善构建全链条、全生命周期的一体化综合金融服务模式，配置600亿元股、贷专项资金支 持，切实推动实现高水平科技自立自强。 试点先行逐步推广 "贯通式培育计划"首期在北京、上海、江苏(南京、无锡、常州)、深圳、杭州五地试点，配置600亿元 专项资金池，包括100亿元股权投资资金和500亿元信贷资金，以A轮融资为起点，培育不少于100家具 有关键核心技术的优质企业，力争培育出一批独角兽和新上市企业，解决一批"卡脖子"难题。中国银行 将按照"试点先行、逐步推广"的原则，逐步向具备条件的国家科技创新高地推广。 以"股贷结合的资金池"强化全链条支撑。股权端建立覆盖不同阶段的全栈基金体系，包括专注投早投小 的先锋基金、开展成长接力的远航基金、赋能出海发展的基石投资计划。商行端以"本地化服务+国际 化助力"双轮驱动，为企业研发、并购、出海提供坚实支持。 以"统一认知视角"促进全流程协同。着力推动股贷"认知统一、流程贯通、服务一体"。通过专家咨询、 联合评议等机制安排，统一对客户的"价值判断导向"，合理定制股债综合融 ...

加密货币交易所Coinbase(COIN.US)盘前涨2.2%，报249.5美元。消息面上，Coinbase宣布，正推出一系 列重大新产品，旨在将Coinbase打造为"一站式金融 App"。平台的业务将扩展至股票、更高级的交易工 具以及预测市场，同时加倍投入其链上生态系统，并为企业、开发者和自动化金融引导提供新工具。 (格隆汇) ...

Core Viewpoint - The article discusses a joint notification issued by the Ministry of Commerce, the People's Bank of China, and the Financial Regulatory Bureau aimed at enhancing collaboration between commerce and finance to boost consumption through 11 specific policy measures [1][2]. Group 1: Strengthening Collaboration - The notification emphasizes the need for local commerce and financial departments to improve communication and collaboration, establishing mechanisms to address challenges in financial support for consumption [2][3]. - It encourages local authorities to utilize existing funding channels and conduct promotional activities to stimulate consumption, leveraging digital currency and various financial instruments [3][4]. Group 2: Financial Support for Key Consumption Areas - Financial institutions are urged to enhance services for durable goods and digital products, facilitating consumer financing options such as installment payments and credit cards [4][5]. - There is a focus on expanding service consumption by innovating financial products tailored to sectors like hospitality, education, and healthcare, thereby increasing financial accessibility for service providers [5][6]. - The notification promotes the development of new consumption models, including green and digital consumption, and encourages financial institutions to collaborate with e-commerce platforms [6][7]. Group 3: Expanding Government-Finance-Enterprise Cooperation - The notification advocates for joint promotional activities between financial institutions and local commerce departments to reach more consumers and businesses [8][9]. - It highlights the importance of information sharing between local commerce departments and financial institutions to facilitate precise service delivery and enhance credit availability for small and micro enterprises [9][10].

Core Viewpoint - The recent Central Economic Work Conference emphasizes the need for financial institutions to enhance support for expanding domestic demand, leading to the issuance of a notification aimed at boosting consumption through coordinated efforts between commerce and finance [2][3]. Group 1: Strengthening Collaboration Between Commerce and Finance - Local commerce departments and financial management authorities are encouraged to improve communication and establish coordination mechanisms to address challenges in implementing financial support for consumption [3][4]. - Financial institutions are urged to align their resources and develop specific implementation guidelines to support consumption expansion, following existing policy frameworks [4][5]. - Local authorities are encouraged to utilize existing funding channels to promote consumption activities, leveraging digital currency and various financial instruments to enhance policy effectiveness [4][6]. Group 2: Increasing Financial Support for Key Consumption Areas - Financial services for durable goods and digital products are to be enhanced, with a focus on installment payments and credit services to meet consumer upgrade demands [5][6]. - A comprehensive policy support system for service consumption is to be established, promoting innovation in financial products tailored to sectors like hospitality, education, and tourism [6][7]. - New consumption models, including green and digital consumption, are to be explored, with financial institutions encouraged to collaborate with e-commerce platforms to develop suitable business models [7][8]. Group 3: Expanding Government-Financial-Enterprise Cooperation - Financial institutions are encouraged to participate in local consumption promotion activities, offering tailored products and services to reach a broader consumer base [9][10]. - Information sharing mechanisms are to be established to facilitate better alignment between financial institutions and local commerce departments, enhancing the precision of financial services [9][10]. - Promotion of consumer rights and rational borrowing practices is emphasized, alongside the need for regular updates on the progress of financial support for consumption [10][11].

Core Viewpoint - The "Yirongtong" platform has been launched to provide comprehensive financial services for small and micro enterprises and citizens in Junlian County, significantly improving efficiency in accessing financial products [1][2]. Group 1: Platform Features - The platform integrates over 30 financial institutions and more than 150 financial products, covering a full range of services including banking and guarantees [2]. - Users can quickly find suitable credit products through intelligent screening and customization features, which greatly shortens the financing cycle [2]. Group 2: Financial Support Policies - The platform offers fiscal subsidy services such as interest subsidies for entrepreneurial guarantee loans and consumer loans [2]. - The personal application limit for entrepreneurial guarantee loans has increased from 300,000 to 500,000 yuan, while small and micro enterprises can apply for up to 6 million yuan [2]. - Youth aged 18-40 starting a business in Sichuan within three years can apply for interest-free and collateral-free startup loans ranging from 30,000 to 100,000 yuan [2]. - From April 1 to September 30, 2025, loans for specific consumer purchases can enjoy a 1.5% annual interest rate subsidy, with a maximum of 3,000 yuan per loan [2]. Group 3: Application Process - Users can log onto the "Yirongtong" official website to apply for financing by filling in their desired amount, repayment period, and preferred financial institutions [3]. - For consumer loan interest subsidy applications, users can select the relevant theme on the website and submit required information and documents for review [4]. Group 4: Future Developments - Junlian County aims to enhance the business environment by optimizing administrative approval processes and deepening "Internet + Government Services" initiatives [5]. - The county is committed to ensuring that financial services reach small and micro enterprises effectively, positioning the business environment as a core competitive advantage for high-quality development [5].

Economic Overview - As of the end of 2023, Kunshan achieved a GDP of 514.06 billion, marking a 5% year-on-year growth, maintaining its position as the top county in China for 19 consecutive years [1] - The industrial output value of Kunshan reached 1.1433 trillion, with a year-on-year increase of 4.5%, driven primarily by the manufacturing sector, particularly the electronic information industry, which accounts for over 40% of the economic output [1] - In 2023, Kunshan attracted 2 billion in foreign investment and had a total import and export volume of 107.9 billion USD, ranking first among county-level cities in China [1] Industry Cluster Situation - By the end of 2023, Kunshan had one trillion-level industry cluster, the electronic information industry cluster, with an annual output value of 696.9 billion, reflecting a 15.6% year-on-year growth [2] - Kunshan has established a complete industrial chain in the electronic information sector, including integrated circuits, new displays, and smart terminals, showcasing strong development momentum [2] Bank Performance - As of June 2024, Kunshan Rural Commercial Bank reported total assets of 183.5 billion, deposits of 141.4 billion, loans of 111.1 billion, operating income of 2.195 billion, and net profit of 986 million, with a non-performing loan ratio of 0.85% and a provision coverage ratio of 546% [2] - The bank holds a 16.64% market share in RMB deposits, ranking first in the Kunshan area, and has been recognized as a benchmark bank by the China Banking and Insurance Regulatory Commission [2] Project Background and Objectives - The "Win-Win Chain" project was initiated to address the financing needs of the electronic information industry, particularly for upstream suppliers who often lack sufficient collateral to meet traditional lending standards [4] - The project leverages advanced data analysis and intelligent risk control systems to provide credit loans to upstream suppliers based on the authorization data from core enterprises [4] Project Implementation Process - Prior to the project launch, extensive feasibility studies and technical discussions were conducted, leading to the establishment of a professional product team to design the project framework [5] - The project was officially launched on August 2, 2024, with rapid progression through various phases, including development and testing, culminating in successful production on October 24, 2024 [5] Project Structure and Functionality - The "Win-Win Chain" project includes multiple subsystems that work together to create a robust financial service network, with a focus on intelligent risk control and data support [6] - The system architecture is designed to ensure efficient business processing, precise risk control, and comprehensive data support, facilitating seamless interaction between various components [7][8] Project Outcomes and Future Directions - The project has effectively addressed key challenges faced by upstream suppliers in the electronic information industry, providing quick and efficient credit solutions [10] - As of now, 188 core enterprises have authorized the project, with 1,601 upstream suppliers awaiting evaluation, indicating a strong momentum for the project's rollout [12] - The bank aims to continuously enhance the "Win-Win Chain" project, deepening the integration of financial technology with the real economy to support the sustainable development of the electronic information industry [13]