邮储银行基于无形资产的"科创贷"，解锁科技型企业的核心价值，贷款决策改由企业的未来成长潜力决 定，而非固定资产积累，这可激励持续创新，形成正向循环。并且，打破对土地、房产等传统硬抵押物 的路径依赖，为多数科技型企业提供更宽的债权融资渠道，从而可优化融资结构，并降低融资门槛。 近年来，为深度服务国家创新驱动发展战略，中国邮政储蓄银行在广东江门地区积极创新金融服务模 式，通过创新产品、快速放款、陪伴式服务，精准支持当地"专精特新"及高新技术企业发展。9月17 日，记者前往恩平市宏兴铝业有限公司、广东万佳泓不锈钢制品有限公司，江门市力丰电机有限公司进 行实地调研。 创新贷款，打破传统抵押物限制 科技型制造企业常常面临研发投入大、回款周期长，原材料采购和设备升级需要大量流动资金等共性挑 战。 恩平市宏兴铝业有限公司是江门地区铝型材制造的领军企业，正处于智能化、绿色化转型的关键期，资 金需求迫切。对此，邮储银行恩平市支行2025年为其发放3394万元"科创贷"，基于无形资产（专利、软 件著作权）进行授信，打破了传统抵押物限制。 如今的台山，不锈钢产业园内生机盎然，万佳泓的生产车间里机器轰鸣，工人们正全力赶制一批发往中 ...

9月23日，邮储银行（601658）发布公告称，该行将吸收合并下属全资子公司中邮邮惠万家银行有限责 任公司(以下简称邮惠万家银行)。 根据公告，本次吸收合并完成后，邮惠万家银行的独立法人资格依法注销，邮惠万家银行的全部业务、 财产、债权债务以及其他各项权利义务由邮储银行承继，邮惠万家银行客户的相关权利和义务均不受影 响，已合法签署的合同、协议继续有效。 业内人士指出，随着多家银行陆续整合旗下直销银行或数字金融子公司，行业正从初期的"多点试验"转 向当前的"全面融合"。 成立还不满4年时间 邮惠万家银行成立于2022年1月，注册资本50亿元，是邮储银行全资子公司。邮惠万家银行定位于"服务 三农、助力小微、普惠大众"，依托"数据+场景"，构建开放共享的数字普惠金融服务模式，不仅丰富了 邮储银行服务场景，也为该行数字化转型积累了宝贵经验。 公告显示，邮惠万家银行为邮储银行全资子公司，其财务报表已按100%比例纳入邮储银行的合并报表 范围，本次吸收合并不会对邮储银行的财务状况和经营成果产生实质性影响，也不会损害该行及全体股 东的利益。 长远来看，业内人士分析，邮储银行所承接的邮惠万家银行的存量贷款、存款和资金，业务规 ...

本次吸收合并完成后，邮惠万家银行的独立法人资格依法注销，邮惠万家银行的全部业务、财产、债权 债务以及其他各项权利义务由邮储银行承继，邮惠万家银行客户的相关权利和义务均不受影响，已合法 签署的合同、协议继续有效。 被合并方邮惠万家银行为邮储银行全资子公司，其财务报表已按100%比例纳入本行的合并报表范围， 本次吸收合并不会对邮储银行的财务状况和经营成果产生实质性影响。 对于此次合并的背景及目的，邮储银行表示：近年来，本行不断加大金融科技投入，数字化和集约化能 力快速提升，以手机银行为主要服务渠道的格局已经形成，线上综合服务能力大幅增强。吸收合并后， 邮惠万家银行线上运营经验整合到本行，是对本行线上业务强有力的补充。此外，还能优化资源配置和 降低管理成本。 值得一提的是，邮惠万家银行的成立可以追溯到2021年，其成立之初便立足普惠金融与数字金融。2021 年12月16日，邮储银行收到原中国银保监会《关于中邮邮惠万家银行有限责任公司开业的批复》。于 2022年1月7日，邮惠万家银行正式注册成立，注册资本50亿元。 9月23日，邮储银行发布公告，为进一步优化管理及业务架构，邮储银行将吸收合并下属全资子公司中 邮邮惠万 ...

除了帮助大众投资者解答理财困惑，蚂小财也逐渐成为金融机构、财经院校等专业人士的AI助手。据 了解，"蚂小财PRO版"已向基金公司等机构投资者开放，目前有上百家蚂蚁财富平台的合作机构在使 用，辅助投研等日常工作。"蚂小财PRO版"可辅助专业人士快速汇集市场数据和观点，洞察市场机会和 风险。 "蚂小财"能脱颖而出，得益于底层模型在金融领域的专业表现领先行业。上海财经大学发布的金融领域 大模型评估基准—FinEval 6.0评测报告显示，在国内外主流大模型中，"蚂小财"的模型底座Finix在金融 严谨性等维度表现突出、排名第一，跑赢了众多通用大模型。 浙大金融研究院副院长章华认为，金融是我国人工智能技术应用的重要场景，普惠金融、数字金融也是 我国金融五篇大文章的重要内容，AI+金融场景的创新探索，将推动我国普惠金融和数字金融从产品层 向服务层纵深发展，让专业、可靠、安全的数字普惠服务人人时时地地可得，持续推动经济和社会高质 量发展。 8月以来，沪指站上3800点但行情震荡，投资者的理财询问量暴增。蚂蚁财富数据显示，8月AI理财助 理"蚂小财"的询问量增长42%，市场波动下，蚂小财累计向用户发出832万次理性投资提醒 ...

Core Viewpoint - The article highlights the emergence of various green brands in Maoming, Guangdong, which are significantly contributing to the local economy and employment through a robust agricultural industry supported by financial reforms aimed at enhancing inclusive finance [2][9]. Group 1: Agricultural Industry Development - Maoming has established a strong agricultural foundation, with a total agricultural output value projected to reach 120.89 billion yuan in 2024, making it the only city in Guangdong to exceed 100 billion yuan in agricultural output for five consecutive years [2][3]. - The city has developed a full industrial chain around its key products, including lychee and Huaju Hong, with the total output value of the specialty agricultural industry exceeding 53 billion yuan, creating job opportunities for over 600,000 people [3][6]. Group 2: Financial Support and Innovation - The introduction of various financial products such as "Lychee Loan," "Huaju Hong Loan," and "Tilapia Loan" has addressed the urgent financing needs of farmers and small businesses, enabling them to expand operations and improve productivity [3][5]. - The recent guidance from seven ministries emphasizes the need for financial institutions to enhance their services in rural areas, focusing on supporting Maoming's advantageous agricultural industries and new agricultural business models [6][9]. Group 3: Policy Framework and Implementation - The "Guiding Opinions" issued by the People's Bank of China and other ministries outline nine key tasks for deepening inclusive finance reforms in Maoming, providing a roadmap for enhancing financial services in agriculture and rural areas [6][7]. - The policy encourages the development of a comprehensive insurance product system and the inclusion of various agricultural assets as collateral to facilitate financing for farmers and agricultural enterprises [7][8]. Group 4: Future Prospects - Maoming's selection as one of the new pilot cities for inclusive finance reform signifies both an honor and a responsibility, aiming to enhance financial services and support the goal of common prosperity for all [9][10]. - The ongoing reforms are expected to provide new momentum for high-quality development in Guangdong's rural areas, positioning Maoming as a model for agricultural revitalization across the country [10].

9月11日，北京首钢园。在2025年中国国际服务贸易交易会金融服务专题展上，华夏银行隆重召开数字普惠"灵龙惠"系列产品发布会，正式推出数字普惠金 融产品体系。该系列产品通过数字化手段全面提升普惠金融服务能力，为小微企业提供全生命周期金融服务解决方案。 发布盛况： 嘉宾云集共话普惠金融新模式 上午10时30分，华夏银行新品发布会嘉宾云集。北京市委金融办、中国企业改革与发展研究会、国网英大、部分合作国企、中小微企业的领导和嘉宾齐聚一 堂，共同见证"灵龙惠"系列产品的重磅发布。 北京市委金融办副主任、市委金融工委委员、市金融管理局副局长王颖在致辞中表示，小微企业对国民经济高质量发展具有重要意义，但小微企业融资难、 融资慢是世界性难题，北京市委市政府通过搭建平台、完善创业担保贷款机制、增加财政补贴、拓展资本市场渠道等机制，取得了良好成效。华夏银行以科 技赋能、数据赋能，以市场化手段突破传统服务模式，实现产品迭代升级的有益探索，对提升金融服务能力、实现自身高质量发展有非常重要的意义。 华夏银行党委常委、副行长高波致辞表示，2025年，华夏银行在新一届党委领导下，深刻把握金融工作的政治性、人民性，推动金融"五篇大文章"篇 ...

Group 1: Digital Transformation in Consumer Finance - The consumer finance industry is advancing digital transformation to enhance service methods and product innovation, aiming to extend inclusive financial services [1] - Zhaolian Consumer Finance has launched a self-service system powered by AI technology to provide comprehensive financial services for long-tail customer groups such as individual strivers and new citizens [1] - Other financial institutions like Zhongyou Consumer Finance and Bank of China Consumer Finance are also increasing their technological investments, significantly improving their digital service capabilities [1] Group 2: Balancing Inclusiveness and Profitability - According to Shao Hang, Deputy General Manager of Zhongyuan Consumer Finance, achieving a balance between "universal" and "beneficial" financial services is a complex challenge that involves risk pricing and cost control [2] - The target customers of consumer finance institutions often include new citizens and blue-collar workers, whose incomplete credit information and income volatility increase risk costs [2] - Institutions should leverage digital channels to provide differentiated financial services based on a deeper understanding of customer attributes [2] Group 3: Risk Management and Technology Integration - The consumer finance industry is utilizing digitalization to enhance customer risk identification and broaden service coverage [3] - Haier Consumer Finance has innovatively applied multi-modal industry models in its risk control system, integrating technologies like image recognition and natural language processing for comprehensive user analysis [3] - These digital technologies have enabled Haier Consumer Finance to implement key anti-fraud features, significantly improving the accuracy and efficiency of digital inclusive finance risk control [3] Group 4: Online Service Migration and Market Opportunities - Consumer finance institutions are migrating loan applications and approvals online, allowing users to complete all processes via mobile devices, enhancing customer experience and reaching underserved areas [4] - Ouyang Rihui from Central University of Finance and Economics emphasizes the need for the industry to leverage digital technology to improve customer acquisition and retention capabilities [4] - The county-level consumer finance market is identified as a blue ocean market, with potential to enhance financial services for urban residents and expand coverage to remote rural areas [4]

Core Insights - The article discusses the challenges faced by farmers in obtaining loans due to a lack of effective collateral and highlights various innovative solutions being implemented across different regions in China to address these financing difficulties [1][10][23]. Group 1: Innovations in Rural Financing - In Zhejiang, the application of big data technology has enabled the establishment of financial profiles for farmers, creating a loan whitelist that alleviates the financing difficulties caused by insufficient collateral [1][5][9]. - By the end of July, Zhejiang Rural Commercial Bank had achieved full coverage of eligible farmers for credit, benefiting 9.568 million households with a total credit amount of 1.44 trillion yuan, with credit loans accounting for 68% of the total [9][30]. - In Hunan, financial institutions have adopted a "whole village credit" model, which has supported 377 villages and 6,317 farmers with a total credit amount of 1.61 billion yuan [16][18]. Group 2: Credit Assessment and Loan Products - In Hubei, a pilot program has been initiated to evaluate the credit value of farmers and rural assets, allowing individual farmers to receive credit limits of up to 1 million yuan based on their credit ratings [18][20]. - The introduction of specialized credit loan products such as "pig loans," "aquaculture loans," and "pepper loans" has been developed to meet the needs of agricultural producers [14][20]. - The national agricultural credit guarantee alliance has been established to help farmers and agricultural cooperatives overcome financing challenges, with over 4.8 million farmers receiving guarantees and financing exceeding 1.76 trillion yuan [29][30]. Group 3: Shift Towards Credit-Based Financing - The Financial Regulatory Administration reported that as of July, credit loans accounted for over 50% of the total balance of operating loans for farmers, indicating a significant shift from reliance on collateral to credit value [30][34]. - The number of new agricultural entities receiving loans has increased by 10.18% since the beginning of the year, with regions like Fujian and Shanxi showing loan approval rates exceeding 70% [32][34]. - The recent implementation of the "Implementation Plan for High-Quality Development of Inclusive Finance in the Banking and Insurance Industries" emphasizes increasing credit loan issuance to farmers and new agricultural entities [36].

Core Insights - Ant Group has established a new strategy to accelerate its transformation towards the AI era, focusing on the next decade with initiatives like Alipay's dual flywheel, AI-first approach, and global expansion [1] Group 1: C-end User Services - Ant Group has successfully implemented AI transformation results, with its AI health manager AQ serving over 100 million users [1] - The "Tap to Pay" feature on Alipay has expanded to over 300 sub-scenarios, covering more than 400 cities, and has been integrated by over 5,000 brands and millions of merchants, reaching over 100 million users [1] - To stimulate consumer spending, Alipay launched a summer consumption festival in May 2023, distributing over 100 million in subsidies, resulting in a more than 20% increase in payment transactions through the "Tap to Pay" feature [1] Group 2: B-end and Globalization - Ant Group has introduced innovative solutions to address financial service pain points, launching the first AI-as-a-Service platform in the fintech industry, the "Financial AI Cockpit" [1] - Ant International's business encompasses four major sectors, with a projected fund processing volume exceeding 1 trillion USD in 2024, serving multiple markets [1] - The company has developed two core solutions for cross-border fund management: the Whale blockchain platform, expected to handle over one-third of fund processing volume in 2024, and the Eagle Sequence foreign exchange forecasting model, which boasts over 90% accuracy and has been applied in various scenarios to reduce corporate costs [1]

"中标贷"优势是什么？"中标贷"不依赖传统抵押物，而是基于企业在阳光慧采平台的中标行为、历史履 约信用、港口回款现金流等真实数据，进行综合授信评估。从申请、授信、签约到放款，全流程线上化 操作，极大提升了融资效率。真正做到了凭中标通知，快速启动融资；签合同即可激活更高额度；港口 回款闭环，还款有保障。 2025年9月7日，对山东港口的钢材供应商居总来说，是一个格外惊喜的日子。当天申请、当天到账—— 日照银行青岛分行通过"中标贷"产品，为他批复了百余万元贷款，及时缓解了企业在中标后的资金周转 压力。"没想到这么快，简直像'及时雨'！"居总感慨地说。 这背后，是日照银行青岛分行与山东港口阳光慧采服务有限公司联手打造的"数据+场景"融资新模式 ——"中标贷"的正式落地。 "中标贷"是什么？据介绍，"中标贷"是日照银行专为山东港口供应商定制的数字金融产品，依托山东省 港口集团唯一指定的电子招投标平台——"阳光慧采e平台"，结合真实招投标及履约场景，运用大数据 风控和金融科技手段，为中标企业提供全线上、高效率的融资服务。该产品分为两类额度模式，精准匹 配企业不同阶段的用款需求。线上小额快贷：凭中标通知书即可申请，大数据 ...