政策筑基：构建"全链条"协同服务体系 青岛金融监管局围绕国家金融监督管理总局、国家发展改革委关于加大对外贸金融支持力度的部署要 求，跳出"单一政策推送"的传统模式，以"机制创新"打通金融资源流向外贸企业的"最后一公里"，构建 起"需求摸排、资源匹配、成效跟踪"的政银协同服务体系。 转自：新华财经 为破解外贸企业融资难题，青岛金融监管局联合多部门在青岛市小微融资协调机制下设立"外贸工作 组"，一方面联动省、市两级部门获取2.64万户全量外贸企业名单，为"靶向服务企业"提供数据支撑； 另一方面通过青岛市融资信用服务平台"青融通"，将企业名单精准推送至各区（市）及银行机构。 今年以来，青岛金融监管局以小微融资协调机制为抓手，牵头构建"政策引领+机构发力+科技赋能"的 外贸金融服务生态，联动政策性银行、国有大行与地方法人银行协同发力，精准破解外贸企业"融资 难、避险贵、结算繁"痛点。截至今年8月末，青岛市2.64万户外贸企业实现走访全覆盖，贷款发放 917.26亿元，出口信用保险承保121.72亿美元，三项核心指标均位居山东省首位。 在此基础上，青岛金融监管局联合中国人民银行青岛市分行等4部门出台《支持外贸企业高质量 ...

Core Insights - The Shenzhen banking and insurance sectors demonstrated stable performance in the first half of 2025, with significant growth in various financial metrics [1][2] Banking Sector Summary - As of the end of June 2025, the total assets of the banking sector in Shenzhen reached 13.98 trillion yuan, a year-on-year increase of 3.64% - The total liabilities amounted to 13.61 trillion yuan, growing by 3.7% year-on-year - The balance of various loans was 9.83 trillion yuan, up by 3.46% year-on-year, while the balance of deposits reached 10.22 trillion yuan, reflecting a growth of 6.70% year-on-year [1] Insurance Sector Summary - The insurance sector achieved original premium income of 121.31 billion yuan in the first half of 2025, marking a year-on-year growth of 7.96%, the highest among first-tier cities - Claims paid out totaled 38.74 billion yuan, an increase of 8.84% year-on-year [1] Economic Support Initiatives - The Shenzhen Financial Regulatory Bureau has been actively supporting the stable operation of the local economy, with personal consumption loans reaching 817.70 billion yuan, a year-on-year increase of 7.63% [2] - Measures to support foreign trade included the introduction of 20 specific initiatives, with foreign trade enterprise loans totaling 1.12 trillion yuan, and small and micro foreign trade enterprise loans at 124.53 billion yuan, up by 5.43% year-on-year [2] Financial Support for Key Sectors - The manufacturing sector's loan balance reached 1.61 trillion yuan, growing by 6.47% year-on-year, with high-tech manufacturing loans at 1.03 trillion yuan, up by 6.73% [3] - Real estate financing mechanisms have been enhanced, with 403 approved projects totaling 549.30 billion yuan, of which 403.97 billion yuan has been disbursed [3] Support for Small and Micro Enterprises - The total loans issued to small and micro enterprises reached 667.49 billion yuan, leading among major cities, with a balance of inclusive small and micro enterprise loans at 1.96 trillion yuan, growing by 6.59% year-on-year [4] - The "Park Loan" 2.0 implementation plan has been launched to improve financial services for enterprises in industrial parks [4] Enhancements in Public Welfare Services - The "Shenzhen Huijia Bao" insurance product has been introduced to improve disaster resilience, with 34,800 policies issued and premium income of 2.28 million yuan since its launch [5] - The "Shenzhen Huimin Bao" for 2025 has expanded coverage while maintaining premium rates, with 6.15 million participants [5] - As of June 2025, 5.57 million personal pension accounts have been opened, with total contributions of 7.11 billion yuan [5]

Group 1: Trade Performance - In the first five months of this year, China's total goods trade import and export value reached 17.94 trillion yuan, a year-on-year increase of 2.5%, with the growth rate accelerating by 0.1 percentage points compared to the first four months [1] - The resilience of China's goods trade is attributed to the continuous recovery of the economy and the precise financial support provided to enhance high-quality foreign trade development [1] Group 2: Support for Small and Micro Enterprises - The China Export-Import Bank's Zhejiang branch has actively increased support for small and micro foreign trade enterprises, issuing loans totaling 44.5 billion yuan from January to May, benefiting over 1,100 small enterprises with import and export performance [4] - A specific case highlighted is the timely issuance of a 1.5 million yuan loan to Anji Baichen Home Co., which helped alleviate significant funding pressure and stabilize production [3][4] Group 3: Specialized Financial Support - Since April, the Zhejiang branch has initiated a "special assistance" model focusing on specialized small and micro foreign trade enterprises, providing 500 million yuan in transfer loans to 72 qualified enterprises, enhancing their innovation capabilities and market competitiveness [5] - The bank's support has effectively addressed the financing challenges faced by these enterprises, allowing them to accelerate the export of high-value products [5] Group 4: Supply Chain Stability - The Zhejiang branch has provided substantial financial support to local leading enterprises in the bulk commodity supply chain, doubling the funding compared to the same period last year, ensuring the stability of supply chains amid fluctuating global commodity prices [7] - This support has been crucial for enterprises engaged in bulk commodity trade, helping them manage operational funding needs effectively [7] Group 5: Financial Services Enhancement - The Zhejiang branch has optimized its approval processes to provide rapid financial services, exemplified by the swift issuance of a bank guarantee for Changhong International, enabling the company to secure a significant order in the global shipbuilding market [9][12] - The bank's comprehensive financial services extend beyond funding, including policy consultation and legal support, ensuring smooth project implementation for enterprises expanding overseas [14]