丨2025年5月9日星期五丨 NO.1 金融监管总局：政府性融资担保机构为小微企业提供融资担保费率不超过1% 金融监督管理总局副局长丛林5月8日表示，金融监管总局会同财政部门，推动建立了覆盖全国的政府性 融资担保体系，将服务小微企业作为主要的政策效益指标，这一类业务的担保费率不超过1%，远低于 商业担保水平。 点评：金融监督管理总局推动建立覆盖全国的政府性融资担保体系，聚焦服务小微企业且担保费率低。 从市场角度看，有助于提升市场对小微企业相关产业链的信心。同时，为金融机构拓展业务提供新空 间，银行等金融机构在小微企业信贷投放上顾虑减少，有望提升业绩预期。 NO.2 美联储维持联邦基金利率目标区间不变 点评：专家指出，对于拿到牌照的机构而言，实际上就在原来商业银行基因的基础上，培育了投行的基 因，这是对业务边界的极大拓展，同时也有了科创金融升级的关键抓手。此外，也对我国推动股权投资 比例的提升有重要的意义。 NO.4 85家财险公司一季度"成绩单"揭晓合计实现净利超256亿元 随着险企一季度偿付能力报告陆续披露，财险公司的经营情况也随之揭晓。中国保险行业协会数据显 示，已公布今年一季度经营情况的85家财险公司， ...

Group 1 - The "Private Economy Promotion Law" will officially implement on May 20, marking China's first foundational law regarding the development of the private economy, which clarifies the legal status of the private economy [1] - The Financial Regulatory Administration has developed specialized insurance products to address the needs of private enterprises in disaster recovery, employment, and technology research and development [1][3] - In the high-tech sector, pilot programs for major technological breakthroughs, cybersecurity insurance, and drone insurance are being launched to support private enterprises [3] Group 2 - A coordination mechanism for supporting small and micro enterprises' financing has been established, resulting in the issuance of new loans amounting to 12.6 trillion yuan with an average interest rate of 3.66% [5] - By the end of the first quarter, the balance of credit loans for private enterprises reached 18.1 trillion yuan, reflecting a year-on-year growth of 15.4% [7] - A nationwide government financing guarantee system has been established, with a guarantee fee rate not exceeding 1%, significantly lower than commercial guarantee levels, providing a financing direct guarantee balance of 1.88 trillion yuan for small and micro enterprises, up 11.5% year-on-year [10]