新华财经北京9月30日电（记者吴丛司）从田间地头卫星遥感监测的科技赋能，到光伏企业ESG挂钩贷 款的绿色创新，再到社区养老食堂的温情服务……"十四五"期间，兴业银行以从严治行、专家办行、科 技兴行为基本方略，以金融"五篇大文章"为抓手，在服务国家战略与民生福祉的沃土中扎下坚实根基， 结出累累硕果。 近日，中国上市公司协会联合新华财经等媒体开展"我在'十四五'这五年上市公司在行动"主题宣传活 动，多角度展现千行百业上市公司在"十四五"期间实现的发展成果。记者采访了解到，2020年末至2025 年上半年，兴业银行总资产跨越三个万亿台阶至10.61万亿元，贷款总额增长48.6%至5.9万亿元，不良 贷款率降至1.08%，全球银行业排名跃升至第14位，MSCI ESG评级达AAA级，成为唯一连续六年获境 内银行业最高评级的银行。这份"十四五"答卷，印证了"根深方能叶茂"的发展真谛。 科技金融：从实验室到市场的"兴业加速度" 在福建医科大学的免疫治疗研究院，福州拓新天成生物科技有限公司的科研人员正争分夺秒推进一款抗 癌新药的研发。 2024年底，拓新天成正在进行B轮融资，并已经完成投资协议签署。"但是因投资款未到位，不 ...

做好金融"五篇大文章"关乎国计民生，彰显金融担当，既是推动社会经济高质量发展的内在要求，也是金融业实现可持续发展的必由之路。 作为江苏首家银行系金融租赁公司，苏银金租依托全牌照优势，以债券发行为墨，在金融"五篇大文章"上镌刻下诸多"创新之笔"，囊获了一批行业首 单"标签债"，专项和主题债发行规模超200亿元，居金租行业首位，募集资金通过租赁项目广泛服务于科创、绿色、小微、三农、货运等领域，努力在负 债端不断开辟租赁服务实体的新途径。 润泽科技金融沃土 作为金融"五篇大文章"之首，科技金融能够推动科技创新和产业创新深度融合，是发展新质生产力的核心要素。苏银金租坚持向"新"而动，聚焦服务长三 角G60科创走廊、江苏"1650"产业体系，持续拓宽科技金融服务半径，于2024年接连发行了金租行业首单"科创"主题金融债券和"两新"主题金融债券，累 计规模达50亿元。其中，"两新"主题债券为公司成立以来单期发行规模最大一期，募集资金全部输送至科创和设备更新项目，创新迭代创e租、科技租、 贴息租等一系列产品，有助于畅通金融"活水"，滋养科技创新，推动形成"科技—产业—金融"的良性循环，高效服务传统产业改造升级、新兴产业培育 ...

Core Viewpoint - The article emphasizes the importance of high-quality development in China's financial sector, focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, as part of the broader strategy for modernizing China's economy and financial services [1][2][3][4][5][6]. Group 1: Technology Finance - The company actively engages in the technology finance sector, developing a research and investment system tailored for the technology industry and a "four-part" valuation method, resulting in a product matrix with distinct characteristics in innovation [2]. Group 2: Green Finance - The company responds to the "dual carbon" strategy by establishing a green fund system and a management framework, aligning with national policies and creating green finance-themed funds while implementing an investment negative list [3]. Group 3: Inclusive Finance - The company has built a robust inclusive finance service mechanism, achieving a personal customer base of 74.79 million and managing over 100 billion yuan in assets for individual investors, while also contributing to rural revitalization efforts with significant investments [4]. Group 4: Pension Finance - The company has established a dedicated department for fund of funds (FOF) investments, launched two pension-targeted funds, and is developing personal pension products to address the challenges of an aging population [5]. Group 5: Digital Finance - The company has implemented a dual-pillar IT infrastructure to enhance operational efficiency and security, utilizing advanced technologies such as big data and robotic process automation to improve the effectiveness of its digital transformation efforts [6].

同时，华商基金高度重视养老金融领域的专业能力建设，养老产品管理团队经验丰富，深度融合"量化 分析+定性调研"，重视战略和战术资产配置，以基于基本面逻辑的中期量化资产配置模型为锚，在尽 量兼顾交易损耗与投资期限前提下，尽可能降低客户的时机选择要求。在个基选择上，则倾向于将大部 分的行业选择留给主动基金经理，少部分用来做高赔率行业基金的逆向布局。正是这种专业、稳健的投 资方法，使得华商基金养老产品在复杂的市场环境中始终保持着较强的抗风险能力和持续收益潜力。 展望未来，华商基金将继续坚守养老金融初心，持续深化产品创新与服务升级，通过投资理念宣导、市 场解读等方式，帮助投资者树立长期投资理念；通过推进数字化转型，运用金融科技提升服务效率，创 新服务模式，不断提升投资者体验。华商基金将以专业、审慎、创新的态度，持续为投资者提供高质量 养老解决方案，助力国家多层次养老保障体系建设，为实现"老有所养、老有颐养"的社会愿景贡献力 量。 风险提示：产品为养老目标基金的，名称中含有"养老"不代表收益保障或其他任何形式的收益承诺，产 品不保本，可能发生亏损。以上观点不代表投资建议，市场有风险，基金投资需谨慎。 专题：北京公募基金高 ...

Core Insights - The China Banking Association has officially released the "Top 100 Chinese Banking Institutions" list for 2025, with 18 rural commercial banks making the cut, including Hainan Rural Commercial Bank, which is recognized as a significant new entrant [1][2] - Hainan Rural Commercial Bank's inclusion in the list marks a new phase in the reform of Hainan's rural financial institutions and highlights its strong capabilities in supporting the construction of the free trade port and rural revitalization [1] Company Overview - Hainan Rural Commercial Bank was established through the integration of the provincial rural credit union and 19 city and county banks, resulting in a new entity with a registered capital of 22 billion yuan, 460 branches, and over 7,000 employees [1] - As of August 2025, the bank's total assets exceeded 405.426 billion yuan, with both deposit and loan market shares ranking first among its peers in Hainan, and it contributed the highest tax payments among financial institutions in the province [1] Strategic Focus - Moving forward, Hainan Rural Commercial Bank will adhere to its strategic framework of "one core, three transformations, and six directions," concentrating on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [2] - The bank aims to enhance the convenience of its digital services and improve the precision of its credit support [2]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Dongguan Branch is actively promoting financial services tailored to the local context, focusing on five key initiatives to enhance financial support for the city's technological innovation and advanced manufacturing sectors [2][9]. Group 1: Financial Support for Technology Enterprises - ICBC Dongguan Branch has established a manufacturing center and a specialized technology branch to address financing challenges faced by local tech enterprises, employing professionals with engineering backgrounds to provide comprehensive "financing + intelligence" services [3]. - In the first half of the year, the bank issued over 20 billion yuan in loans to technology enterprises, with a total loan balance exceeding 47 billion yuan, and loans to specialized and innovative enterprises exceeding 5 billion yuan, all showing an increase of over 10% since the beginning of the year [3]. Group 2: Inclusive Finance for Small and Micro Enterprises - The bank has implemented a dual-driven model combining on-site visits by account managers and big data analytics to accurately assess the financing needs of small and micro enterprises [4]. - As of mid-year, the bank's inclusive loan balance exceeded 64 billion yuan, serving 28,000 small and micro clients, and has provided over 2 billion yuan in no-repayment loans to manufacturing clients [5]. Group 3: Green Finance Initiatives - ICBC Dongguan Branch is actively involved in establishing financial standards for the green transformation of the manufacturing sector, contributing to the development of a quantifiable low-carbon transition assessment system [6]. - In the first half of the year, the bank issued over 30 billion yuan in green loans, which accounted for more than half of the total corporate loan issuance, covering key areas such as wastewater treatment and photovoltaic power generation [6]. Group 4: Pension Finance Services - The bank is building a comprehensive pension finance ecosystem to address the challenges of an aging population, offering a wide range of products and services, including dedicated savings accounts and pension funds [7]. - The bank has provided convenient one-stop account opening services and has reached over 30,000 elderly individuals through community financial education activities this year [7]. Group 5: Digital Finance Transformation - Digital transformation is a core driver of high-quality development for ICBC Dongguan Branch, achieving a significant reduction in housing loan approval times from an average of three days to 30 minutes through direct integration with the local housing fund system [8]. - The bank has developed various digital platforms and tools, enhancing operational efficiency and customer service, including a real-time monitoring platform for educational funding and an API service for 318 partner units [8].

Group 1 - Germany proposes a pension crisis solution by providing a monthly payment of 10 euros to children aged 6-18 starting from January 1, 2026, aimed at fostering early savings and investment habits for retirement [6][7][9] - The initiative is expected to cost approximately 15 trillion euros annually for public finances, as it aims to address the increasing social expenditure due to an aging population and economic stagnation [6][7] - Currently, only 17% of German households own stocks, compared to 40% in the UK and over 60% in the US, highlighting a need for increased financial literacy among the younger population [7] Group 2 - In the US, the Pension Risk Transfer (PRT) market has seen a decline, with sales dropping to nearly 11.5 billion dollars in Q2 2025, a 56% year-on-year decrease [2][8] - The PRT market is expected to recover in the latter half of 2025, but the total sales for the year may still fall below the average of 2024 [2][8] - The number of companies involved in PRT transactions has doubled over the past decade, indicating a growing interest in transferring pension liabilities to insurance companies [10] Group 3 - Norway's sovereign wealth fund announced a 1.5 billion dollar investment in Brookfield's Global Transition Fund II, focusing on renewable energy infrastructure and low-carbon technology projects [11] - The investment aligns with Norway's strategy to participate in sustainable energy project development and support the transition to a net-zero economy [11] Group 4 - The Canadian pension funds are actively investing in energy transition, with La Caisse acquiring Edify Energy for approximately 1 billion Canadian dollars to expand its renewable energy portfolio [26] - The Canada Pension Plan Investment Board (CPP) is leading a consortium to acquire a 13% stake in Sempra Infrastructure for about 3 billion dollars, emphasizing the importance of natural gas in the global energy transition [27][28]

Core Viewpoint - The article discusses the financial support for the elderly care industry in China, highlighting the initiatives taken by the People's Bank of China and local banks to enhance financial services for the aging population and promote the development of the silver economy [1][10]. Group 1: Financial Support Initiatives - In May 2023, the People's Bank of China announced a 500 billion yuan re-loan program aimed at boosting financial support for service consumption and the elderly care industry [1]. - Agricultural Bank of China in Linyi has established a tracking mechanism for elderly care projects, resulting in a 67.9% increase in the bank's elderly care loan balance to 329 million yuan by the end of August 2023 [2]. - Local banks, including city commercial banks and rural commercial banks, are actively investing in elderly care services, with strategic partnerships formed to enhance financial support [2]. Group 2: Digitalization and Service Innovation - In Rizhao, the Shanhai Ruiyi Elderly Care Center utilizes digital tools to meet diverse needs, integrating financial technology to improve management and service delivery [4][5]. - The establishment of a "Smart Silver Age" service platform by Rizhao Bank aims to connect various elderly care services, enhancing the quality of life for seniors through a comprehensive service network [5]. Group 3: Industry Growth and Challenges - Rizhao has 66 elderly care institutions with nearly 10,000 beds, and the city is focusing on creating a comprehensive service system that combines health care, tourism, and elderly care [6]. - The financing challenges faced by private elderly care providers, such as Jiahao Yintai, are being addressed through innovative collateral solutions by banks, allowing for loans against social welfare land and facilities [7][8]. - The first loan in the elderly education sector was issued to Rizhao Nursing Vocational College, highlighting the financial support for training professionals in the elderly care industry [9][10]. Group 4: Financial Performance Metrics - As of August 2025, the loan balance for the elderly care industry in Shandong Province reached 16.46 billion yuan, with a year-on-year growth of 44.3%, significantly outpacing the overall loan growth rate [10].

作为北京国资体系金融板块的重要成员，第一创业通过顶层规划与多维支撑体系，将"五篇大文章"深度 融入该公司高质量发展布局。 构建体系 全面落实"五篇大文章" 为系统落实"五篇大文章"，第一创业在组织架构层面构建多维支撑体系。 第一创业证券董事会秘书屈婳在接受证券时报记者采访时强调："公司已将做好金融'五篇大文章'纳入 公司2025—2027年战略发展规划。未来三年，第一创业将深化战略执行，强化金融强国、金融为民功能 性定位，深度服务实体经济，实现公司高质量发展。" 屈婳表示，在科技金融领域，投资银行业务将重点服务以"专精特新"为核心的科技创新型中小企业，提 供全链条综合金融服务。私募股权投资业务则将加强行业及产业链深度研究，把握发展新质生产力方向 并优化项目储备。 普惠金融方面，该公司投资银行业务将加强北交所优质创新型中小企业的项目储备，持续推动中小微企 业支持债券等创新债券品种发行；资产管理业务将提升投研水平，该公司优化多资产、多策略的产品布 局；经纪业务将重点推进以买方投顾为支点的财富管理转型。 绿色金融板块，第一创业投资银行业务将大力发展绿色债券等创新债券品种；资产管理业务将推进ESG 投资理念及投资策略 ...

[ 近期多家险企发布的半年报均提到，广泛参与养老第三支柱建设，加大对商业长期护理保险产品以及 满足备老、养老和失能等人群商业养老保险产品、健康保险产品等创新，与此同时，推动养老金融、养 老服务金融、养老产业金融融合，将"保险+养老服务"作为未来新的增长方向。 ] 尽管我国商业养老保险市场规模还较小，但其价值已渗透在筹资、支付、投资到服务的养老产业全链 条。随着制度性创新不断推进，如何解决商业养老金融产品"叫好不叫座"的问题，关乎"第一支柱占比 过大、第二支柱发展缓慢"背景下，第三支柱能否补位。 在近日举办的2025首届智慧老龄与银发经济会议上，中国太平洋人寿保险公司原董事长、保险服务生态 网络ISE发起人徐敬惠表示，在养老第三支柱中，保险之所以受到各界的重视和认可，很大程度上是因 为它有别于其他养老金融产品，可以构建从筹资、支付、投资到服务"四位一体"的全链条、全功能闭 环，其精算和投资优势还能进一步延伸至第一、二支柱的基金受托管理，与第三支柱形成个人养老金账 户信息、产品和资金的互通，协同构建多层次养老保障体系。 以养老服务为例，他提及了一组数据：据不完全统计，到今年上半年，全国已有13家保险机构投资了60 ...