转自：新华财经 2024年底以来，浙商银行合肥分行认真贯彻落实人民银行关于加大对全国中小微企业资金流信用信息共 享平台（以下简称"资金流信息平台"）推广应用的要求，积极主动作为，加强部署落实，把资金流信息 平台作为精准服务中小微企业的有力抓手，通过"一把手"亲自部署、强化全员培训宣导、精准服务需求 客户，成为安徽省内第一批实现落地的银行金融机构，有力地支持了中小微企业融资难的问题。截至 2025年8月末，该行通过资金流信用信息共享平台服务中小微企业43户，累计投放金额8650.40万元。 资金流信息平台具有全国联网、主体驱动、实时在线、按需共享、广泛应用等综合优势，可以帮助信用 白户、信用薄户、无抵押无担保等中小微企业提升融资机会，降低企业融资成本；同步应用资金流信用 信息产品和征信系统企业信用报告进行多维度信用信息交叉验证后，可以帮助银行提升放贷效率，优化 资源配置。 合肥市某包装纸板有限公司是一家包装纸品加工及销售企业，具有轻资产运营、建造厂房尚未竣工验收 的特点，缺乏传统抵质押物，较难获得银行融资。浙商银行合肥分行在了解到企业的资金需求和融资困 境后，主动介入并引导客户使用浙商银行"数科贷"产品，用大数 ...

中经记者 秦玉芳 广州报道 这些组织或中介通常通过互联网平台发布"代理维权""减免债务""修复征信"等虚假广告，诱导消费者委 托其处理与银行之间的纠纷，从中收取高额手续费，甚至骗取用户个人信息进行二次诈骗。这些非法组 织或中介通过互联网平台快速传播，逐渐形成一条隐蔽性较强的金融"黑灰产"链条。 行业调研数据显示，近年来针对信用卡业务的恶意投诉中，近70%疑似为"黑灰产"机构策划推动。"黑 灰产"团伙不仅伪造律师函、困难证明、医疗证明等材料，还培训客户"话术"，教唆客户通过信访、投 诉等多种渠道向银行及监管机构施压，试图达到减免利息、删除逾期记录等非法目的。 壹通数字技术公司首席公关官罗富国表示，当前"黑灰产"已呈现组织公司化、作业线上化、手法专业化 的"三化"趋势，使得银行不良"虚胖"，部分机构的催收率被拉低3到5个百分点，核销成本翻倍。 苏商银行特约研究员付一夫进一步指出，对银行业务而言，"黑灰产"导致银行不良贷款增加，贷后管理 难度剧增。例如伪造材料办理协商还款，干扰正常催收流程，使逾期债务难以及时处理。此外，"黑灰 产"还严重损害银行声誉，其恶意投诉、歪曲事实等行为，让公众对银行产生负面认知，长远来看影 ...

Group 1 - The core viewpoint emphasizes the importance of boosting consumption and expanding domestic demand for economic stability, with the government implementing policies to support small and micro enterprises, individual businesses, and affected individuals through loan deferments and increased financial support [1] - Financial institutions are leveraging digital financial technology to provide inclusive financial services, particularly targeting new citizens, small businesses, and individual entrepreneurs, while addressing their unique financial needs [2][4] - The China Banking and Insurance Regulatory Commission has issued several documents to enhance financial services for new citizens and support logistics and transportation, indicating a proactive approach to stimulate consumption and alleviate burdens on market entities [1][5] Group 2 - The financial industry is focusing on non-contact financial services to cater to the needs of new citizens and small businesses, utilizing emerging technologies like artificial intelligence and the Internet of Things to expand customer reach [2] - Financial institutions are encouraged to innovate their risk control systems to better serve new citizens, utilizing big data to enhance service quality and broaden customer bases [3][4] - There is a significant opportunity for consumer finance companies to fill gaps in traditional banking services, offering online financial solutions that cater to the needs of new citizens without requiring physical branches [4]

Group 1 - The core viewpoint of the articles highlights the financial support measures introduced by regulatory bodies to alleviate the difficulties faced by small and micro enterprises and individuals affected by the pandemic [1][2][3] - The China Banking and Insurance Regulatory Commission (CBIRC) has issued a notice to enhance financial services for struggling industries, including increasing credit support and improving the tolerance for non-performing loans [1] - The State Council has also proposed policies to encourage loan deferments for small and micro enterprises, individual businesses, and affected personal housing and consumption loans [1] Group 2 - Consumer finance is focusing on targeted relief measures to address financial service challenges for affected sectors and individuals, such as extending repayment periods and adjusting repayment plans [2][3] - Companies like Industrial Bank Consumer Finance are offering policies like three-month interest-only payments to ease immediate financial burdens for clients [2] - The "Thousand-Mile Horse·Rural Talent Training Program" initiated by Ma Shang Consumer Finance aims to support rural entrepreneurs and young talents through online assistance and training [2] Group 3 - The effectiveness of increasing consumer loan support in stimulating demand is contingent on residents having stable incomes, with suggestions for issuing small, short-term consumption vouchers to boost spending [3] - Consumer finance companies are addressing the unique needs of small and individual businesses, which often face challenges such as unstable income and lack of collateral, by leveraging big data for risk management [3][4] - Companies are implementing advanced risk control systems to enhance service efficiency, with examples including the automated approval process by Industrial Bank Consumer Finance [4] Group 4 - Consumer finance companies are expanding their services to meet the needs of small and individual businesses, utilizing big data to optimize risk management throughout the lending process [4] - The industry is encouraged to innovate flexible financial products tailored to individual businesses and gig workers, simplifying processes and enhancing service accessibility [4]

Core Viewpoint - JD Group has acquired a 66.67% stake in CITIC Qingdao Asset Management Co., Ltd. for 3.014 billion yuan, establishing a complete financial ecosystem that includes payment, consumer credit, supply chain finance, and non-performing asset disposal [1][3]. Group 1: Acquisition Details - JD Group successfully acquired the stake from CITIC Group, marking a significant shift in ownership for Qingdao AMC, which was established in 2015 with an initial registered capital of 1 billion yuan [2]. - The financial performance of Qingdao AMC supports the acquisition, with projected revenues of 166 million yuan and net profits of 101 million yuan for 2024, and a net profit of 91 million yuan in the first five months of 2025 [2]. Group 2: Financial Ecosystem Development - The acquisition aligns with JD's strategy to deepen its financial ecosystem, which includes holding a 15% stake in Beijing Asset Management Company and obtaining a national consumer finance license [3]. - JD's financial ecosystem now covers payment, consumer credit, supply chain finance, and non-performing asset disposal, enhancing the synergy and risk management capabilities of its financial services [3]. Group 3: Market Opportunities - The focus will likely be on the personal loan non-performing asset disposal market, which has seen a significant increase in demand, with the scale of publicly transferred personal loan non-performing assets reaching 225.8 billion yuan in 2024, an 80% year-on-year increase [4]. - The new regulatory framework allows local AMCs to acquire non-performing personal loans across regions, providing JD with the opportunity to expand its business beyond local boundaries [4]. Group 4: Technological Integration - JD's financial ecosystem can leverage big data risk control, precise user profiling, and intelligent collection techniques to enhance Qingdao AMC's capabilities in personal loan non-performing asset disposal [5]. - The integration of technology is expected to improve efficiency and reduce costs in handling small, dispersed personal loan non-performing assets, positioning Qingdao AMC favorably among the 59 licensed local AMCs [5]. Group 5: Broader Impact on Shandong Province - JD's acquisition is anticipated to inject technological momentum into the bulk acquisition of financial non-performing assets in Shandong, potentially allowing Qingdao AMC to expand its operations across the province [6]. - With the new regulatory approval, Qingdao AMC could play a significant role in mitigating regional financial risks and providing effective solutions for non-performing asset disposal in the province [6].

Core Viewpoint - Shandong Lingcheng Rural Commercial Bank is focusing on its core responsibilities and actively responding to provincial strategic deployments by leveraging digital empowerment and enhancing inclusive finance efficiency through its "Huidi e-loan" digital credit platform [1][2] Group 1: Digital Transformation and Product Development - The bank has launched the "Ma Shang Dai" product, achieving significant upgrades in product design, risk control models, customer operations, and process restructuring, transitioning from "online" to "digital + intelligent" [2] - The "Ma Shang Dai" system utilizes a comprehensive online model management system that integrates 19 data dimensions for credit assessment, allowing for loan approvals under 200,000 yuan to be completed in just 3 minutes, improving efficiency by over 80% compared to traditional processes [2][3] - The bank has implemented a paperless process, allowing customers to complete the entire loan application online, saving approximately 15 pages of paper per loan and reducing the average number of visits to bank branches by 2 [3] Group 2: Inclusive Finance and Customer Engagement - The bank has conducted "no-sense credit" assessments for 37,800 customers, with a total credit limit of 396 million yuan, increasing the effective coverage rate of inclusive finance by 0.47 percentage points compared to the previous year [3] - The bank's mobile business model has enabled a "7×24 hours" service network, allowing loan applications even during holidays or at night, with over 43% of loans now coming from mobile platforms, an increase of 14.2 percentage points since the beginning of the year [4] - The digital platform has significantly lowered customer acquisition barriers and service costs, activating a large number of previously inactive customers, with 44.3% of credit customers being under 35 years old [5][6] Group 3: Risk Management and Operational Efficiency - The digital system has enhanced risk identification and post-loan monitoring capabilities, with a non-site post-loan monitoring rate of 76.34%, leading to a reduction in non-performing loans since the beginning of the year [6] - The bank has established a comprehensive system for online business authorization, post-loan responsibility identification, data compliance, and risk control interventions to ensure compliance and stability in rapid loan approvals [7] - The bank is integrating financial services with agricultural supply chains and rural governance, developing targeted credit solutions for key agricultural activities, thereby embedding digital inclusive finance into various production and living scenarios [7]

Core Viewpoint - The rise of fraud targeting the elderly, particularly in the financial sector, poses significant risks to their financial security, necessitating robust preventive measures from financial institutions [1][2]. Group 1: Fraud Prevention Measures - Nanyue Bank successfully intercepted a telecom fraud attempt against an elderly customer, preventing a loss of over 100,000 yuan in pension funds [1][2]. - The bank's rapid response involved a collaborative risk control system that utilized online fraud detection and direct communication with the customer to assess the situation [1][2]. - The effectiveness of Nanyue Bank's fraud prevention system is highlighted by its ability to process over 250,000 settlement transactions and more than 100,000 real-time transactions daily since its launch in 2022, successfully intercepting over 600 high-risk fraud events and preventing losses of approximately 10 million yuan [2]. Group 2: Commitment to Customer Security - Nanyue Bank emphasizes a customer-centric approach in its financial development, focusing on online financial security as a critical aspect of its operations [2][3]. - The bank has implemented various initiatives, including community outreach and multimedia campaigns, to enhance public awareness and create a comprehensive anti-fraud network [2]. - The long-term goal is to empower elderly customers with technology to ensure their financial safety and enhance their sense of security and well-being in a digital society [3].

Core Viewpoint - The collaboration between China Life Property Insurance Shanxi Branch and Taiyuan Natural Gas Co., Ltd. has led to the innovative launch of the "Gas Comprehensive Insurance," which aims to provide a full-chain risk protection system through technology and service, receiving widespread acclaim from the public for its rapid response and warm service [1]. Group 1: Service Efficiency - The "Gas Comprehensive Insurance" project has demonstrated remarkable efficiency, with a case where a resident reported a water damage incident and received a compensation payment of 4,500 yuan within just 93 minutes after the report [3]. - The insurance company has established a 24-hour emergency response platform, ensuring that incidents are reported within 30 minutes, site investigations are conducted within 2 hours, and payments are made within 24 hours after all necessary documents are submitted [8]. Group 2: Special Group Care - The project emphasizes care for vulnerable groups, such as elderly individuals living alone, by providing not only quick claims processing but also assistance with repairs and site cleanup, showcasing a commitment to comprehensive service [7]. - A "Silver Service Green Channel" has been established to address the needs of the elderly, offering home signing and repair assistance to bridge the digital divide [7]. Group 3: Technological Integration - The insurance company utilizes intelligent monitoring systems and big data risk control models to proactively manage risks, allowing for real-time analysis of gas usage data and early warnings for high-risk points [8]. Group 4: Community Engagement - The company plans to deepen its strategic cooperation with Taiyuan Natural Gas Co., Ltd. to expand insurance coverage and optimize service response mechanisms, while also conducting community safety education activities [9]. - This initiative reflects the commitment of both state-owned enterprises to prioritize the well-being of the public and enhance the quality of life for residents in Taiyuan [9].