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金融护航民营经济“枝繁叶茂”
Jin Rong Shi Bao· 2025-11-21 00:15
华为在通信技术领域攻克难关,构筑起全球领先的5G技术生态;比亚迪深耕新能源汽车赛道,用 核心技术重塑全球汽车产业格局;大疆以极致的无人机技术,让"中国智造"翱翔世界……近年来,一批 具有全球竞争力的民营科技企业脱颖而出,成为中国经济高质量发展的亮丽名片。 作为经济肌体的"毛细血管",民营企业是扩大就业、繁荣市场、改善民生的重要支撑。推动民营企 业发展壮大,既需要自身"造血",也离不开金融"输血"。中国人民银行日前发布的《2025年第三季度中 国货币政策执行报告》显示,截至2025年9月末,普惠小微贷款余额36.1万亿元,同比增长12.2%;民营 经济贷款余额71.1万亿元,同比增长5.4%。 "经过多年改革探索,民营经济已经成为实现中国式现代化不可或缺的组成部分。"在国家金融与发 展实验室副主任杨涛看来,银行机构高效服务民营经济,既是践行金融工作政治性、人民性的要求,也 是高质量服务实体经济的重要环节。 从制造到智造,从小微到龙头,近年来,银行业既做民营企业锦上添花的朋友、更做雪中送炭的伙 伴,以高效优质的金融服务助力广大民营企业扬帆前行,为民营经济"森林"枝繁叶茂提供源源不断的金 融活水。 "真金白银"投入 ...
四川出台科技成果转化“容错”新规,破解科研人员“不愿转、不敢转”难题 让“尽职免责”为创新兜底
Si Chuan Ri Bao· 2025-11-19 00:39
为何出台? ●进一步健全全省科技成果转化政策体系,让创新主体"轻装上阵"投身成果转化 ●为破解"不敢转"顾虑提供坚实政策保障,更大力度激发科研人员创新创造活力 有何内容? ●共5章20条,构建总则统领、尽职定标、免责划界、认定保障的完整制度框架 ●在尽职定标上,明确了"怎么干才合规" ●在免责情形上,破解了"干错了怎么办" ●在认定保障上,建立"内部认定+部门认定"双轨程序 "怕犯错、怕担责"的顾虑,仍是制约科技成果转化效能的突出堵点。为打通这一堵点,科技厅等5 部门于近日出台《四川省科技成果转化尽职免责工作指引(试行)》(以下简称《工作指引》),为科 研单位和科研人员的科技成果转化行为划定"安全边界",打消其后顾之忧。 《工作指引》为何出台?有哪些内容?该如何落实?11月18日,省政府新闻办举行新闻发布会,对 《工作指引》进行了解读。 为何出台? 健全政策体系,让创新主体"轻装上阵" 建立健全容错机制,对激发科研人员与创新主体的积极性,加快实现高水平科技自立自强具有重要 意义。今年以来,山东、天津、陕西、江苏等地出台尽职免责相关政策,鼓励创新、支持担当、宽容失 败,为开展科技创新和成果转化活动提供了试错空间 ...
今日视点:支持小微企业融资协调工作机制显效的启示
Zheng Quan Ri Bao· 2025-08-03 23:20
Core Viewpoint - The support mechanism for small and micro enterprises financing has shown positive results since its establishment in October last year, with significant increases in credit and loan issuance [1][2]. Group 1: Mechanism Effectiveness - As of June 2025, over 90 million small and micro enterprises have been visited, resulting in new credit issuance of 23.6 trillion yuan and new loans of 17.8 trillion yuan, with credit loans accounting for 32.8% [1]. - The balance of inclusive loans for small and micro enterprises increased by 12.31% year-on-year, significantly higher than the average growth rate of all loans [1]. Group 2: Collaborative Approach - The mechanism leverages the advantages of the Chinese leadership and system, involving multiple stakeholders including national and local government departments and banks to address the complex challenges of financing [1][2]. - A market-oriented and legal approach is utilized to ensure effective collaboration between government support and banking operations, addressing information asymmetry and facilitating better financing connections [2]. Group 3: Policy Implementation - Attention to detail in policy implementation is crucial to prevent bottlenecks in the financing process, ensuring that credit reaches the intended enterprises effectively [3]. - The introduction of measures to protect diligent credit personnel encourages banks to lend more freely, thereby enhancing the overall financing environment for small and micro enterprises [3].
多地出台政府投资基金新规 存量提质趋势明显
Nan Fang Du Shi Bao· 2025-06-15 23:13
Core Viewpoint - The recent policies from Gansu and Guangdong provinces reflect a trend towards stricter management of government investment funds, emphasizing the need for quality development and control over new fund establishments [1][2][3]. Group 1: Policy Overview - Gansu's implementation opinion emphasizes strict control over the establishment of new funds and promotes the optimization and integration of existing funds [1][3]. - Guangdong's management measures highlight the necessity for government approval for fund establishment and restricts the use of fiscal allocations for new fund creation [2][5]. - Both provinces align with the spirit of the State Council's "Guiding Opinions" issued earlier this year, which aims to enhance the management system of government investment funds [1][4]. Group 2: Management and Performance - The policies from both provinces stress the importance of defining the positioning of government investment funds and enhancing performance evaluation mechanisms [2][5]. - Gansu's policy notably uses the term "strict" nine times, indicating a more rigorous approach compared to Guangdong's single mention of preventing financial fraud [2][10]. - The emphasis on performance evaluation and accountability mechanisms aims to ensure that funds are managed effectively and transparently [5][11]. Group 3: Regional Variations - Black龙江's recent policy introduces a focus on direct investment projects, which is a departure from the traditional fund establishment approach [6]. - The management fee structure in Guangdong may disrupt the conventional practice of fixed management fees, linking them instead to fund performance [7][9]. - Gansu's policy suggests a more flexible approach to management fees, allowing for adjustments based on performance evaluations [8][9].
金融调研②“非硝烟”之争:谁是银行人才储备座上宾?
Nan Fang Du Shi Bao· 2025-05-08 02:36
Core Viewpoint - The Chinese banking industry is increasingly focusing on the recruitment and development of dual-skilled talent in finance and technology to support the growth of technology-driven financial services [1][10]. Talent Development - Banks are actively recruiting technology professionals, with some offering salaries as high as 800,000 yuan for AI talent [2][3]. - The demand for dual-skilled talent is evident, as banks emphasize the need for professionals who understand both finance and technology [2][3]. - Many banks are adjusting their recruitment strategies to prioritize candidates with engineering backgrounds over traditional finance degrees [6][7]. Performance Assessment - The implementation of a "duty exemption" system is being developed to encourage innovation while managing risks associated with technology finance [11][12]. - Banks are establishing internal guidelines for the duty exemption system, which aims to protect employees from penalties if they have acted diligently [11][13]. - The lack of standardized quantitative measures for assessing performance in technology finance remains a challenge, leading to subjective interpretations of responsibility [15][16]. Industry Trends - The number of technology personnel in major banks has generally increased, with notable growth in institutions like the Bank of Communications, which saw a 15.7% increase in technology staff [4][5]. - The proportion of technology personnel within banks is higher in joint-stock banks compared to state-owned banks, indicating a trend towards greater emphasis on technology expertise [4][5]. - Regulatory bodies are also setting standards for the number of technology specialists in banks, reflecting the importance of technology in financial services [9][10].