● 本报记者吴杨 金融监管总局最新发布的数据显示：三季度末银行业金融机构普惠型小微企业贷款余额36.5万亿元，同 比增长12.1%；普惠型涉农贷款余额14.1万亿元，较年初增加1.2万亿元。在普惠金融快速发展的当下， 武汉众邦银行、北京农商行等机构积极发挥银政协同、数字赋能的作用，促使金融资源有效突破传统服 务边界的制约，对接小微企业、涉农主体等重点群体的融资需求，实现了金融服务对薄弱环节的精准覆 盖与有效支持。 于缝隙中挖掘潜在需求 普惠金融的难点在于触达缝隙市场，这些市场的主体分散、信息匮乏，常处于传统金融服务的盲区。北 京农商行以银政协同为核心抓手，成立由行长牵头的小微企业融资协调工作专班，与北京市各区政府建 立"周沟通、月复盘"机制，针对复杂融资需求还会召开专题协调会。"银行客户经理+区专班工作人 员"联合走访的模式，构建起直达企业的服务通道，今年以来已完成超1500家企业走访，落地融资支持 超25亿元。 "接下来，我行将继续深化银政协同，进一步推动数据共享升级，强化资源整合。"北京农商行相关人士 表示。 面对农业等领域的缝隙需求，数字化手段是有效的解决工具。"我们借助金融科技优势，搭建起覆盖全 产业 ...

● 本报记者 吴杨 金融监管总局最新发布的数据显示：三季度末银行业金融机构普惠型小微企业贷款余额36.5万亿元，同 比增长12.1%；普惠型涉农贷款余额14.1万亿元，较年初增加1.2万亿元。在普惠金融快速发展的当下， 武汉众邦银行、北京农商行等机构积极发挥银政协同、数字赋能的作用，促使金融资源有效突破传统服 务边界的制约，对接小微企业、涉农主体等重点群体的融资需求，实现了金融服务对薄弱环节的精准覆 盖与有效支持。 于缝隙中挖掘潜在需求 普惠金融的难点在于触达缝隙市场，这些市场的主体分散、信息匮乏，常处于传统金融服务的盲区。北 京农商行以银政协同为核心抓手，成立由行长牵头的小微企业融资协调工作专班，与北京市各区政府建 立"周沟通、月复盘"机制，针对复杂融资需求还会召开专题协调会。"银行客户经理+区专班工作人 员"联合走访的模式，构建起直达企业的服务通道，今年以来已完成超1500家企业走访，落地融资支持 以数据破解融资瓶颈 金融监管总局局长李云泽在2025金融街论坛年会开幕式上表示，着力提升经济金融适配性，更好促进经 济社会持续健康发展。要拓展小微、民营、"三农"金融覆盖面，让普惠金融活水精准滴灌千企万户。目 ...

北京市委十三届七次全会明确提出，"到二〇三五年实现首都功能服务保障能力、综合经济实力、科技 创新实力、城市治理能力、国际影响力大幅提升，城乡区域发展更加均衡，人民生活更加幸福美好，率 先基本实现社会主义现代化"的奋斗目标。 面向"十五五"，北京这座承载千年文脉的古都，正在新时代浪潮中焕发更加蓬勃的生机。扎根北京30余 载的华夏银行，始终心怀"国之大者"，将服务首都发展与践行金融使命深度融合，为首都高质量发展持 续注入金融力量。 紧跟战略部署，服务首都发展 作为总部位于北京的全国性股份制商业银行，华夏银行始终将服务首都发展作为各项工作的重中之重， 积极融入首都"四个中心"功能建设和"四个服务"水平提升，持续为首都经济社会发展提供坚实金融支 撑。 华夏银行紧密围绕"坚持惠民生和促消费、投资于物和投资于人紧密结合""深入实施提振消费专项行 动"政策导向和北京培育建设国际消费中心城市的目标，制定了《支持北京培育建设国际消费中心城市 工作方案》，提出6大创新举措、18项重点任务，全方位助力民生消费提质扩容。 加强信贷支持，激活消费动能 聚焦北京市"3个100"重点工程、市发展改革委重点项目清单，华夏银行以"精准滴灌"的 ...

中信银行党委委员、副行长谢志斌在致辞中表示："金融的本质在于链接价值。此次携手，我们以场景金融为核心导向，将双方优势深度绑定，把普惠金融 的温度注入每一个消费场景，让'不出国门 海购全球'的美好体验触手可及、落地生根。" "旅游零售行业的未来，在于创新，在于对用户价值的不懈追求。中免集团与中信银行的全面合作，是双方核心资源的深度整合、创新模式的大胆探索，以 联名信用卡为起点，必将开启一段共赢发展的崭新旅程。"中免集团党委委员、副总经理周领军在致辞中表示。 "立足海南自贸港封关运营的战略机遇，中国银联将持续深化三方创新合作，以更优质的支付产品、更完善的服务网络、更丰富的权益生态，共同助力全国 消费升级，赋能海南自贸港高质量发展的崭新篇章。"中国银联党委委员、执行副总裁胡浩中在致辞中表示。 （2025年11月19日，三亚）今日，"信意无界 臻享中免"——中信银行携手中免集团、中国银联启航暨联名信用卡发布仪式在三亚正式举行。该联名卡不仅 实现了金融与旅游零售深度融合的模式创新，为消费者打造品质生活新体验，更是响应国家扩大内需战略、推动免税消费提质扩容的重要实践。 中信银行党委委员、副行长谢志斌，中免集团党委委员、副 ...

《关于加强商业银行互联网助贷业务管理提升金融服务质效的通知》（业界称作"助贷新规"）自10月1 日施行以来，商业银行互联网助贷业务正经历深度调整。 近日，多家银行密集调整互联网助贷业务合作名单，掀起"瘦身"潮。 例如，乌鲁木齐银行11月6日发布公告称，自10月1日起该行已停止开展合作类个人互联网消费贷款业 务，目前存量业务涉及的合作机构包括9家平台运营机构和8家增信服务机构。 无独有偶，龙江银行11月5日公布的最新互联网助贷业务合作机构名单显示，该行此前唯一合作的平台 运营机构是深圳首付宝金融科技有限公司，如今为停止合作状态。 此外，在贵阳银行2025年三季度业绩说明会上，该行副行长李松芸表示，该行基于市场环境和监管要 求，主动对业务策略进行了调整，目前与互联网银行合作已到期，无新增互联网平台业务，仅有存量业 务在正常管理。 中国证券报记者梳理发现，近期，乌鲁木齐银行、龙江银行、贵阳银行等多家区域性银行相继宣布暂停 新增互联网助贷合作业务，吉林亿联银行等机构则大幅缩减合作机构数量，行业呈现从广合作到严筛选 的转变。 业内人士认为，助贷新规之下，名单制管理与合规责任强化倒逼银行重构合作逻辑，推动业务从被动依 赖 ...

Core Insights - The core point of the news is that Zhejiang Vipshop Payment Co., Ltd. has increased its registered capital from 100 million RMB to 200 million RMB, marking a 100% increase, which enhances its capital strength and risk resilience in the payment industry [1][2]. Group 1: Capital Increase and Strategic Importance - The capital increase directly enhances the payment institution's capital strength and aligns with regulatory requirements for stable operations in the payment sector [1][2]. - For Vipshop, this capital increase is not merely a financial supplement but a critical step in upgrading its financial technology infrastructure, providing a solid foundation for its core e-commerce business and related financial services [1][2]. Group 2: Strategic Value of Payment License - Vipshop Payment, established in 2011, holds a payment business license from the People's Bank of China, allowing it to conduct internet payment services [2]. - The payment license is seen as a "digital lifeline" for platforms like Vipshop, enabling control over cash flow and data flow, which is essential for building a competitive edge [2]. Group 3: Integration of Payment and Financial Services - The strategic significance of the capital increase is expected to be reflected in the core product "Vipshop Flower," which has evolved from a consumer installment tool to a key driver of transactions and financial connectivity [3]. - The integration of payment capabilities enhances user payment flexibility and willingness to consume, supported by a stable payment channel [3][4]. Group 4: Scene Finance and Competitive Landscape - The payment industry is experiencing dynamic changes, with Vipshop's capital increase and other platforms' activities indicating a shift towards "scene finance" [5]. - The successful model of integrating e-commerce, payment, and consumer finance has been validated by the growth of products like JD's White Bar and Meituan's Monthly Payment [5][6]. Group 5: Unique Advantages and Future Challenges - Vipshop's clear user profile and stable consumption scenarios provide it with unique advantages in the competitive landscape of scene finance [6]. - The focus on specific consumption scenarios allows for a higher degree of alignment with user needs, which is crucial for future competition [6].

Core Insights - The upcoming "Double 11" shopping festival has prompted multiple banks to launch credit and debit card binding promotions, including interest-free installments and cashback offers [2][3] - Financial institutions are collaborating with e-commerce platforms to enhance customer acquisition and empower the consumer market, laying the groundwork for future service upgrades [2][4] Group 1: Bank Promotions - Major banks such as Bank of China, China Merchants Bank, and Ping An Bank are offering various binding promotions for credit and debit cards, including interest-free installments and cashback [3] - Bank of China has introduced a "惠聚中行日" promotion, providing random discounts for transactions over 1,000 yuan on platforms like Taobao and Tmall, along with up to 24 months of interest-free installments [3] - China Merchants Bank is focusing on cashback offers, allowing users to receive up to 1,111 yuan in cashback for qualifying transactions during the promotional period [3] Group 2: Consumer Loan Products - Consumer loan products are gaining popularity, with some banks offering annual interest rates as low as 3% for new users [5][6] - Jiangsu Bank is promoting a consumer loan with a maximum limit of 1 million yuan and an annual interest rate ranging from 3% to 18% [6] - Consumer finance companies are also targeting the shopping festival, with promotional offers such as interest-free loans for specific purchases [6] Group 3: Market Trends and Future Outlook - Analysts suggest that binding cards allows banks to directly reach consumers in high-frequency spending scenarios, enhancing data accumulation for targeted marketing [4][7] - The competition in retail banking is expected to shift from merely offering lower rates to understanding consumer scenarios and integrating financial services seamlessly into daily life [9] - Future strategies may include deepening scenario integration and creating differentiated financial products tailored to specific consumer groups [9]

Core Insights - The upcoming "Double 11" shopping festival has prompted multiple banks to launch promotional offers for credit and debit card binding, installment payments, and cashback incentives, aiming to enhance consumer engagement and financial service upgrades [1][2][4] Group 1: Bank Promotions - Several commercial banks, including Bank of China, China Merchants Bank, and Ping An Bank, have introduced binding offers for credit and debit cards, featuring interest-free installments, discounts, and cashback [2][3] - Bank of China has launched a "惠聚中行日" campaign, offering random discounts for transactions over 1,000 yuan on platforms like Taobao and Tmall, along with up to 24 months of interest-free installments [2] - China Merchants Bank is focusing on cashback promotions, allowing users to receive up to 1,111 yuan in cashback for qualifying transactions during the event [2] Group 2: Consumer Loan Products - Consumer loan products are gaining traction, with some banks offering annual interest rates as low as 3% for new users, such as Hangzhou Bank's "宝石贷" [5][6] - Jiangsu Bank is promoting a consumer loan with a maximum limit of 1 million yuan and an interest rate range of 3% to 18%, along with incentives like "苏银豆" for new customers [5] - Consumer finance companies are also targeting the shopping festival, with promotional offers like interest-free loans for specific purchases [5] Group 3: Strategic Importance of Card Binding - The trend of card binding allows banks to directly reach consumers in high-frequency spending scenarios, enhancing data accumulation and enabling targeted marketing strategies [4] - Card binding is seen as a method for banks to activate dormant accounts and create a closed loop of "user-data-scenario" [4] Group 4: Future Trends in Retail Banking - Industry experts predict that the competition in retail banking will shift from simple price subsidies to deeper integration of financial services into consumer scenarios [8] - Future strategies may include enhancing scenario-based financial services, creating products that combine policy subsidies with bank benefits, and developing differentiated services for specific demographics like Generation Z [8]

Core Insights - The upcoming "Double 11" shopping festival has prompted banks to launch various promotional offers for credit and debit card binding, installment payments, and cashback incentives to attract consumers [1][2]. Group 1: Bank Promotions - Multiple banks, including Bank of China, China Merchants Bank, and Ping An Bank, have introduced "binding card" promotions for the "Double 11" shopping festival, featuring interest-free installments, discounts, and cashback offers [2]. - Bank of China has launched a "Huiju Zhonghang Day" promotion, offering random discounts for transactions over 1,000 yuan on platforms like Taobao and Tmall, along with up to 24 months of interest-free installments on select products [2]. - China Merchants Bank is focusing on cashback promotions, allowing users to receive up to 1,111 yuan in cashback for qualifying transactions during the promotional period [2]. Group 2: Consumer Loan Trends - Consumer loan products are gaining popularity, with some banks offering annual interest rates as low as 3% for new users, such as Hangzhou Bank's "Gem Loan" [4]. - Jiangsu Bank is promoting a consumer loan with a maximum limit of 1 million yuan and an annual interest rate ranging from 3% to 18%, along with additional incentives like "Suyin Beans" for new customers [4]. - Consumer finance companies are also targeting the shopping festival, with promotional activities such as interest-free loans for specific purchases [4]. Group 3: Strategic Insights - The "binding card" strategy allows banks to directly engage with users in high-frequency consumption scenarios, enhancing their ability to collect transaction data and create consumer profiles for targeted marketing [3]. - Experts suggest that the future of retail banking competition will focus on understanding consumer scenarios and integrating financial services seamlessly into daily life, rather than merely competing on interest rates [7]. - The collaboration between banks and e-commerce platforms during major promotional events is seen as a key strategy to drive consumer engagement and enhance the overall financial service experience [6].

Core Insights - China Merchants Bank (CMB) is addressing the challenges of inclusive finance and technology finance by launching a comprehensive upgrade of its digital financial services for enterprises, focusing on AI integration to enhance service ecosystems and drive high-quality development in the real economy [1][2] Group 1: Inclusive Digitalization - CMB aims to break down barriers in service delivery by leveraging AI and digital technologies to provide inclusive financial solutions, focusing on reducing costs, difficulties, and filling gaps in service [3][4] - The bank offers free basic financial services for SMEs upon account opening, and products like "Science and Technology Loan" and "Enterprise Loan" are fully online without collateral requirements [4] - CMB has introduced tools like "Bill Scanning" to expedite processes, reducing the time for bill verification and loan disbursement to 3 minutes, significantly lowering the digitalization threshold for enterprises [4] Group 2: Intelligent Financial Services - CMB has developed a layered service matrix centered around "AI Assistant," providing tailored digital assistants for different roles within enterprises, enhancing operational efficiency [5] - The bank's online services have enabled enterprises to independently activate 2.5 million product functions, and the AI Assistant has served 70,000 clients since its launch [5] Group 3: Scenario-Based Financial Solutions - CMB is focusing on industry-specific and scenario-based financial services, particularly in the automotive sector, to meet the evolving financial needs of the supply chain [6][7] - The bank has created comprehensive financial solutions for the new energy vehicle industry, addressing the entire supply chain from manufacturers to end consumers [6] Group 4: Treasury Management - CMB has established a multi-tiered treasury management cloud system to support the diverse needs of group and global enterprises, introducing the "Smart Treasury" product to enhance service capabilities [8][9] - The bank's treasury services include global account management, payment factories, and risk management, addressing the challenges faced by enterprises operating internationally [9][10] Group 5: Service Capability Enhancement - CMB is enhancing its service capabilities across four dimensions: scenario-based, global, intelligent, and platform-based, to support enterprises in achieving operational excellence [9][10][11] - The bank is implementing a unified data platform to facilitate intelligent decision-making and risk management, ensuring real-time monitoring and response to anomalies [12] Group 6: Client-Centric Approach - CMB's service upgrade is driven by customer feedback, with over 13,000 effective suggestions from 180,000 clients contributing to continuous improvement [13] - The bank emphasizes the importance of technology and business collaboration, aiming to create exceptional customer experiences and contribute to the digital transformation of enterprises [13]