11月22日，诚邀各方嘉宾相聚北京，在交流中凝聚共识，在探索中破解难题，共绘高质量发展新篇章！ 金融是国民经济的血脉，关乎强国建设、民族复兴。值此"十五五"规划擘画蓝图的关键节点，为凝聚行 业智慧、探寻发展新路径，由南方财经全媒体集团指导、21世纪经济报道主办的"第二十届21世纪金融 年会"，定于2025年11月22日在北京盛大召开。 （原标题：议程公布！第二十届21世纪金融年会即将启幕） ...

Group 1 - The core theme of the 2025 Bay Area Financial Annual Conference is "AI New Wave, Financial New Ecology," focusing on the integration of AI and finance to explore high-quality financial development solutions [2] - Experts at the conference emphasized the importance of AI as a driving force for economic transformation, highlighting its role in the Guangdong-Hong Kong-Macao Greater Bay Area as a leader in this change [2] - The conference featured notable speakers, including Wu Xiaoqiu, who discussed the historical transformation of China's economy and finance, emphasizing the shift from a "shortage economy" to an "overabundance economy" [4][5] Group 2 - Wu Xiaoqiu proposed that the focus of policies should shift from expanding supply to effectively managing excess and expanding domestic demand, with an emphasis on structural adjustment and industrial upgrading [4] - He highlighted the necessity of a modern financial system based on capital markets to support high-tech enterprises and meet the diverse financial needs of residents [5][6] - The importance of financial innovation alongside effective regulation was stressed to retain high-net-worth clients and prevent capital outflow [5] Group 3 - AI is seen as a core force in reshaping financial operations and service models, driving a dual enhancement of efficiency and intelligence in the financial sector [8][9] - Financial institutions are encouraged to leverage AI for competitive advantage by enriching data, expanding application scenarios, and addressing AI safety risks [9][10] - The "Ping An Brain" intelligent engine exemplifies the application of AI across various sectors, significantly reducing labor costs and enhancing operational efficiency [9][10] Group 4 - The concept of "public welfare finance" was introduced as a new financial paradigm emphasizing social responsibility and value creation, with the Greater Bay Area identified as a natural testing ground for such initiatives [12][13] - The potential for public welfare finance to enhance the effectiveness of charitable donations and create sustainable financial products was discussed, with a focus on addressing social issues [13][14] - Future trends in public welfare finance include the need for diverse financial institutions to collaborate and innovate in service of social value [13][14] Group 5 - A report on "Technology Finance Empowerment" was released, highlighting the Bay Area's role in forming a multi-layered financial support system for technology enterprises [15][16] - The report identified structural challenges such as insufficient early-stage capital supply and the need for improved cross-border financial collaboration [15][16] - Recommendations for future development include enhancing top-level design, optimizing capital supply systems, and fostering collaboration among financial institutions [16] Group 6 - The roundtable forum discussed the deep integration of AI and finance, with experts agreeing that AI is a key driver of high-quality development in the financial sector [17][18] - Challenges such as data governance, risk management, and organizational adaptation were identified as critical areas for improvement [17][18] - The discussion underscored the need for compliance in data usage and the importance of human oversight in AI-driven financial decision-making [18][19]

记者张如意 实习生李名洋济南报道 11月13日上午,省政府新闻办举行新闻发布会,邀请省委金融办主要负责同志等介绍"十四五"时期推进山 东金融高质量发展情况。 近五年来,我省金融总量实现跨越式增长,社会融资规模增速连续25个季度高于全国,今年5月迈上25万亿 元台阶；本外币贷款余额增速连续20个季度高于全国,去年11月突破15万亿元,"十四五"规划的主要任务 目标均已提前完成。全省新发放企业贷款加权平均利率下降1.06个百分点,普惠小微企业下降1.82个百分 点,实实在在让利实体经济。 实施上市培育"十百千"计划,全省上市后备资源库企业达3556家。全省上市公司总数达430家,质量持续向 好,境内上市公司总市值达4.8万亿元,8家市值超千亿元。区域性股权市场交易更活跃,累计为8662家挂牌 企业融资2464.19亿元。债券市场规模稳步扩大,交易所债券余额突破万亿元。"险资入鲁"成效明显,吸引 超5800亿元长期资金,投向重大战略、重点领域、薄弱环节。 聚焦供需对接,央地协同、同向发力,部门联动、相向而行,以实体经济新需求,引领金融创新新供给,以金 融服务新供给,创造现代产业新需求。 强化向上沟通对接,与中央金融 ...

Core Viewpoint - The "15th Five-Year Plan" period is crucial for achieving socialist modernization and promoting high-quality financial development, necessitating a transformation in financial services to meet new demands from emerging factors, industries, and business models [2][3]. Group 1: Financial Service Effectiveness - The financial system must deepen reforms to enhance its effectiveness in serving the real economy, addressing structural contradictions such as excess funds but difficulty in investment and financing [3][4]. - Five breakthroughs are essential for improving financial service effectiveness: building a national credit market, enhancing service capabilities for new factors, adapting to new industry types and business models, improving overall service integration, and forming a correct understanding of financial services for the real economy [3][11]. Group 2: Achievements During the 14th Five-Year Plan - Significant progress was made in the financial system during the 14th Five-Year Plan, with improvements in the financial institutional framework, market scale, and competitiveness of financial institutions [6][7]. - By September 2025, China became the world's largest credit market with a credit balance exceeding 270 trillion yuan, and the bond market's scale surpassed 190 trillion yuan [7]. Group 3: Enhancing Financial Services for New Factors - The rise of movable assets, represented by data and technology, necessitates a shift in financial services from immovable assets to movable assets, with a focus on enhancing service capabilities for these new factors [14][15]. - By the end of 2024, the contribution of the digital economy to economic growth exceeded 40%, indicating a significant shift in asset structures within enterprises [14]. Group 4: Adapting to New Industry Types and Business Models - New consumption patterns and technological advancements are reshaping the industry landscape, with service consumption and experience-driven consumption becoming mainstream [17][18]. - Financial institutions need to innovate their service models to better support new consumption scenarios and the unique characteristics of new technology enterprises [19][20]. Group 5: Overall Service Integration and Adaptability - Despite a rich array of financial products, the overall integration and adaptability of financial services remain insufficient, with challenges in responding to the comprehensive needs of enterprises [21][22]. - Financial institutions should enhance collaboration and develop innovative products that cater to the diverse needs of different industries, particularly in technology, digital, and green sectors [22]. Group 6: Correct Understanding of Financial Services - There are discrepancies in the understanding and practice of financial services among financial institutions, local governments, and enterprises, which can hinder the precise allocation of financial resources [23]. - It is crucial to establish a correct understanding of the relationship between finance and the real economy, ensuring that financial services prioritize supporting value creation in enterprises [23].

优化服务实体机制，金融资源直达快享。山东与中央金融机构开展全方位合作，聚焦科技创新、乡 村振兴等重点领域和项目，对接争取资金8644.45亿元。助力扩内需、促消费，精准对接文旅项目343 个、融资378亿元。开展个体工商户"育苗"行动，累计为1.51万户个体工商户发放贷款58.7亿元。 山东社会融资规模增速连续25个季度高于全国 金融总量实现跨越式增长，提前完成"十四五"规划主要任务目标 11月13日，省政府新闻办举行新闻发布会，介绍"十四五"时期山东推进金融高质量发展情况。记者 从发布会上获悉，近五年来，我省金融总量实现跨越式增长，社会融资规模增速连续25个季度高于全 国，今年5月迈上25万亿元台阶；本外币贷款余额增速连续20个季度高于全国，去年11月突破15万亿 元，"十四五"规划的主要任务目标均已提前完成。 "'十四五'时期是山东金融高质量发展的关键五年。"省委金融办分管日常工作的副主任、省委金融 工委分管日常工作的副书记、省地方金融局局长陈颖表示，全省金融系统认真落实省委、省政府部署要 求，锚定"走在前、挑大梁"，稳扎稳打、踏踏实实，在金融业实现高质量发展的同时，为新时代社会主 义现代化强省建设提供有 ...

11月13日，省政府新闻办举行新闻发布会，邀请省委金融办分管日常工作的副主任、省委金融工委分管 日常工作的副书记、省地方金融局局长陈颖，介绍"十四五"时期山东省推进金融高质量发展的有关情 况。 发布会上，陈颖系统回顾了近五年来山东金融业的发展历程与显著成就。 金融供给充裕，支撑山东高质量发展 过去五年，山东金融总量实现跨越式增长。社会融资规模增速连续25个季度高于全国水平，今年5月突 破25万亿元；本外币贷款余额增速连续20个季度高于全国，去年11月已达15万亿元，提前完成"十四 五"主要目标。 融资成本显著下降，新发放企业贷款加权平均利率下降1.06个百分点，普惠小微企业贷款利率下降1.82 个百分点，切实减轻了实体经济负担。 企业上市工作成果丰硕，上市后备资源库企业达3556家。全省上市公司430家，质量持续提升，境内上 市公司总市值4.8万亿元，其中8家超千亿。 区域性股权市场累计为8662家挂牌企业融资2464.19亿元。债券市场规模持续扩大，交易所债券余额突 破万亿元。"险资入鲁"引入超5800亿元长期资金，有力支持了重点领域建设。 服务机制优化，资源配置效率提升 山东注重金融供需对接，强化央地协同 ...

山东"十四五"金融答卷亮点纷呈 为强省建设注入金融活水 中新网济南11月13日电(王采怡)"十四五"时期是山东金融高质量发展的关键五年。五年来，山东融资总 量实现跨越式增长，金融供给充裕，有力支撑该省高质量发展。山东优化服务实体机制，实现金融资源 直达快享，建好"金融试验田"，不断创新产品和服务，让山东"好品金融"影响力持续提升。 13日，山东省人民政府新闻办公室举行新闻发布会，介绍"十四五"时期山东推动金融高质量发展情况。 山东省委金融办分管日常工作的副主任陈颖介绍说，近五年来，山东金融总量实现跨越式增长，社会融 资规模增速连续25个季度高于全国，今年5月迈上25万亿元(人民币，下同)台阶；本外币贷款余额增速 连续20个季度高于全国，去年11月突破15万亿元，"十四五"规划的主要任务目标均已提前完成。 山东新发放企业贷款加权平均利率下降1.06个百分点，普惠小微企业下降1.82个百分点，实实在在让利 实体经济。 中国人民银行山东省分行副行长李云山说，"十四五"期间，人民银行政策利率累计下调了0.8个百分 点，山东省分行积极引导金融机构将政策利率调降的成效传导至贷款端。 此外，山东作为全国试点，率先开展明示企 ...

Industry News - The National Energy Administration has issued guidelines to promote the integrated development of renewable energy, aiming for significant improvements in reliability and market competitiveness by 2030 [2] - The Ministry of Industry and Information Technology reported that over 600,000 technology and innovation-oriented SMEs have been cultivated in China, with more than 140,000 specialized and innovative SMEs [5] - The Ministry of Industry and Information Technology is seeking public opinions on the management measures for the printed circuit board industry, emphasizing the need for technological advancement and quality improvement [10] - The Ministry of Education has outlined plans to establish a comprehensive technology education system in primary and secondary schools by 2030, enhancing practical skills and interdisciplinary teaching methods [11] - The State Post Bureau reported that from October 21 to November 11, the national express delivery companies collected 13.938 billion packages, with a daily average of 634 million, indicating a significant expansion in the express delivery market [12] Company News - Haibo Sichuang has signed a strategic cooperation agreement with CATL to procure a total of no less than 200 GWh of electricity from 2026 to 2028 [16] - Century Huatong plans to repurchase between 500 million to 1 billion yuan of its shares for cancellation [16] - Changrong Co. intends to establish a controlling subsidiary to cooperate in the construction of a 100 MW photovoltaic power station [16] - CATL has begun mass production of its fifth-generation lithium iron phosphate battery products [16] - Shengton Mining is advancing its internationalization process with a planned investment of 1.423 billion yuan in its subsidiary [16] - Jingyuan Environmental Protection has won a water treatment project in the power industry worth approximately 143 million yuan [16] - Sturdy Medical's wholly-owned subsidiary plans to invest 2 billion yuan to build a production base for all-cotton spunlace non-woven fabric [16] - Giant Star Legend is deepening its cooperation with Yushu Technology to accelerate the commercialization of the robotics industry [16]

Core Viewpoint - The "15th Five-Year Plan" period is crucial for achieving socialist modernization and promoting high-quality financial development in China, necessitating a transformation in financial services to meet new demands from emerging factors, industries, and business models [1][2][3] Financial System Reform - The financial system must deepen reforms to enhance its effectiveness in serving the real economy, addressing structural contradictions such as excess funds but difficulty in investment and financing [2][5] - Five breakthroughs are needed to improve financial service efficiency: building a national credit market, enhancing service capabilities for new factors, adapting to new industry types, improving overall service integration, and forming a correct financial service concept [2][3][4] Achievements During the "14th Five-Year Plan" - Significant progress was made in financial service to the real economy, with improvements in the financial institutional framework and market scale [5][6] - By September 2025, China became the world's largest credit market with a credit balance exceeding 270 trillion yuan, and the bond market's scale surpassed 190 trillion yuan [6][7] Financial Institutions Development - Major state-owned financial institutions have strengthened, with the asset scale of the banking sector nearing 470 trillion yuan, and the securities industry rapidly developing [7][8] - Public funds have become the largest public investment product, with assets under management exceeding 36 trillion yuan, generating significant returns for investors [7][8] Financial Services for Innovation and Green Transition - Financial institutions are increasingly supporting technological innovation, with venture capital funds reaching 14.4 trillion yuan and supporting over 36,000 tech startups [8][9] - China has become the largest green credit market globally, with a significant increase in ESG investment practices among listed companies [8][9] Financial Market Opening - The financial system is expanding its openness, with over 160 licensed foreign financial institutions and significant foreign investment in domestic bonds and stocks [9][10] - Financial institutions are enhancing services for Chinese companies going abroad, facilitating cross-border transactions and listings [9][10] Enhancing Financial Service Capabilities - Financial institutions need to adapt to new economic dynamics by improving their service capabilities for new factors like data and technology, transitioning from real estate-focused services to those that support intangible assets [12][13] - There is a need for better valuation and pricing mechanisms for new asset types, with a focus on technology and data-driven investments [12][13] Addressing New Industry Types and Business Models - The shift towards new consumption and technology-driven industries requires financial institutions to innovate their service offerings, focusing on consumer experience and emotional value [15][16] - Financial services must evolve to support the unique characteristics of new technology firms, including high R&D costs and long development cycles [15][16] Improving Overall Financial Service Integration - Financial products need to be more integrated and adaptable to meet the diverse needs of enterprises, particularly in terms of flexible financing options [17][18] - There is a challenge in aligning financial services with the operational realities of businesses, especially for SMEs facing high entry barriers [17][18] Forming a Correct Financial Service Concept - A clear understanding of the relationship between finance and the real economy is essential, emphasizing that finance should serve as a tool for value creation [20][21] - The financial sector must balance profitability with its role in supporting national strategic goals and local economic needs [20][21]

深化党建与业务融合共促 海南金融系统将科学谋划"十五五"期间重点工作 会议指出，要锚定政治建设这个根本，把学习宣传贯彻党的二十届四中全会精神作为当前和今后一 个时期的重大政治任务，通过"金融先锋"培训计划推动全会精神在全省金融系统党员干部中入脑入心。 要聚焦金融防风险、强监管、促高质量发展工作主线，科学谋划和部署全省金融系统"十五五"期间重点 工作。要理顺金融系统党建领导管理体制，从严教育管理党员干部，厚植中国特色金融文化，深化党建 与业务融合共促，为海南自贸港封关运作提供坚实的金融支撑和政治保障。 会议还对海南金融行业开展新兴领域"两个覆盖"集中攻坚和"自贸港先锋行动"进行了部署，并强调 既要紧盯风险、守牢底线，做好"十四五"金融工作收官;更要谋定长远、科学布局，为"十五五"时期金 融高质量发展筑牢根基。 副省长赵峰出席会议并讲话。 海南日报海口10月31日讯(海南日报全媒体记者 王培琳)10月31日，海南省金融系统学习贯彻党的 二十届四中全会精神暨全面加强党的建设工作会议在海口召开。 会议指出，随着全岛封关运作即将正式启动和各项政策落地实施，海南金融领域开放创新步伐加 快，金融业态不断创新，对金融监管和金 ...