培训会上，法院干警先后从立案、调解、审判、执行等环节金融纠纷案件总体情况、存在问题及建议等 方面进行详细讲解，并结合典型案例，剖析银行在信贷审批、合同签订、证据留存等环节存在的共性问 题，针对性提出规范合同条款、有效催收、精准固定债权凭证、规范起诉材料等实操建议。随后，在互 动环节，多名银行工作人员踊跃提问，干警们逐一解答，现场交流热烈。 座谈会上，梁山法院相关负责同志介绍了2025年法院金融案件整体情况，重点就推进"立调审执"一体化 提出具体思路和建议。梁山金融监管支局主要负责同志就银行加强催收能力建设、规范催收行为、积极 参与多元化解金融纠纷等工作提出建议。梁山农商行主要负责同志通报了涉农商行金融纠纷案件总体情 况，表示今年将高度重视并积极落实相关工作建议。 齐鲁晚报·齐鲁壹点 褚思雨 通讯员 刘培鹤 为进一步加强法院和金融机构的双向联动，有效防范化解金融风险，近日，梁山县人民法院与梁山农商 银行开展专题培训和交流座谈会，双方围绕深化合作、共促区域金融稳定和营商环境优化主题进行深入 交流。 下一步，梁山法院将以此次会议为契机，持续深化"法院+金融"联动机制，进一步建立健全常态化沟通 协调机制，推动形成"调 ...

在山东滨州市区黄河五路、渤海十八路，两条城市中轴线交会处的核心区域，4幢现代化商务写字楼矗 立于此。这片曾被称为"滨州101"的大楼，经历了股东纠纷、资金链断裂、债务重组后，项目长期处于 搁置、停工状态，其间虽历经多次引入投资，但均因各类问题最终停滞。如今，这座大楼已甩掉历史包 袱，变身为高端商务综合体和产业聚合平台，实现由城市"伤疤"向城市地标的焕新。 《金融时报》记者踏入其中一幢大楼时看到，各楼层已装修完毕，已现商务办公雏形，透明玻璃在夜色 中折射出城市的霓虹光影。首批入驻的金融、化工、电商、物流、新能源等企业员工，在灯火通明的办 公区交流工作。 重焕新生的背后，是当地政府部门与房地产开发企业、金融机构的共同努力。 理清项目推进所需的政策支持、资金缺口和潜在风险，协同项目各方、确定项目方案、推动楼盘复工、 完成交付运营，盘活这样长时间搁置且问题复杂的烂尾楼并非易事。据《金融时报》记者了解，在这一 过程中发挥关键推动作用的是当地一家资产管理公司——山东省金融资产管理股份有限公司（以下简 称"山东金融资产"）。 "我们重点关注滨州地区烂尾楼等事关民生福祉的重点项目，并与当地政府保持密切沟通，解决当地'保 交楼 ...

12月30日下午，省委书记林武，省委副书记、省长周乃翔在山东大厦会见了中国农业发展银行党委 书记、董事长湛东升一行。林武、湛东升分别介绍了山东省、中国农业发展银行发展情况，围绕金融服 务乡村振兴、建设更高水平的"齐鲁粮仓"、发展特色产业、推动项目建设、防范化解金融风险等交换了 意见，表示将在良好合作基础上，进一步加强政策对接和产业金融合作，创新金融产品和服务供给，共 同推进乡村振兴片区建设，推动城乡融合发展，促进农民稳定增收。省委常委、常务副省长张海波参 加。（记者 于新悦 李子路） ...

来源：燕梳师院 公开信息显示，"15天安人寿"发行总额为20亿元人民币，为十年期固定利率债券，附第五年末有条件的 发行人赎回权。该债券于2015年12月25日发行，票面利率采用分段计息方式，前5年票面利率为 6.25%，后5年跳升至7.25%。值得注意的是，自2020年7月天安人寿被监管部门接管后，公司便决定不 行使该债券的赎回选择权，并以开展资产清核工作为由暂缓支付利息，此次到期无法兑付也成为该债券 风险的最终显性化。截至最新，"15天安人寿"是天安人寿仅存的一只债券，违约金额即为其发行总额20 亿元。 此次债券违约并非突发，而是天安人寿长期风险累积及监管处置的必然结果。作为"明天系"旗下核心保 险机构之一，天安人寿因存在多项严重违法违规行为，已于2025年6月13日被国家金融监督管理总局吊 销业务许可证。具体违规事项包括公司治理报告不真实、董事尽职报告存在不实声明、薪酬管理报告不 真实、高管在未取得任职资格的情况下履行职责、违规将投资资产用于担保或提供贷款、违规通过关联 交易向实际控制人输送利益等。 伴随业务许可证的吊销，监管部门对相关责任人也作出了严厉处罚：对刘征、周猎人等多名责任人警告 并罚款共计99 ...

12月26日，中国人民银行发布《中国金融稳定报告（ 2025）》 （下称《报告》）， 对中 国金融体系的稳健性状况进行全面评估。 《 报告 》指出，当前，我国金融业运行总体稳健，金融风险整体收敛、总体可控，金融机构 经营指标和监管指标处于合理区间。 2025年上半年，央行对3529家银行机构开展央行金融机构评级，结果显示，我国银行机构整 体经营稳健，金融风险整体收敛、总体可控。 《报告》还在多篇专栏中回顾金融系统推动上市公司投资价值持续提升，推动中长期资金入 市有关情况。在推动中长期资金入市专栏中，《报告》指出，下一步，中国证监会等相关部 门将着力健全有利于"长钱长投"的制度政策环境。 展望未来，《报告》提出，金融系统将防范化解重点领域金融风险，坚定推进金融支持融资 平台债务风险化解工作，积极稳妥处置中小金融机构风险，做好房地产金融宏观审慎管理， 牢牢守住不发生系统性金融风险的底线。 我国银行机构金融风险整体收敛、总体可控 2025年上半年，央行对3529家银行机构开展央行金融机构评级（下称"央行评级"）。3529 家参评银行包含21家全国性银行及3508家地方法人银行。从评级结果来看，我国银行机构整 体经营 ...

《金融时报》记者：《建议》就加快建设金融强国等作出重要部署，提出"丰富风险处置资源和手段， 构建风险防范化解体系，保障金融稳健运行"，请您谈一谈学习体会。 张国建：防范和化解金融风险特别是防止发生系统性金融风险，是金融工作的根本性任务，也是金融工 作的永恒主题。《建议》就加快建设金融强国作出重要部署，提出"丰富风险处置资源和手段，构建风 险防范化解体系"，为新时代新征程进一步做好金融工作、防范化解金融风险、推动金融高质量发展指 明了方向，提供了根本遵循。 在具体工作中，我们深深体会到加强党中央对金融工作的集中统一领导，是做好金融风险防范和化解工 作的根本保证。贯彻落实"丰富风险处置资源和手段，构建风险防范化解体系"决策部署，一是要把握好 权和责的关系，健全权责一致、激励约束相容的风险处置责任体系。二是要把握好快和稳的关系，在稳 定大局的前提下把握时度效，扎实稳妥化解风险。三是要把握好防和灭的关系，全面加强监管，加强风 险源头管控，健全具有硬约束的金融风险早期纠正机制，抓前端、治未病，对风险早识别、早预警、早 发现、早处置。四是要坚决惩治违法犯罪和腐败行为，强力追赃挽损，依法追责问责，严防道德风险。 防范化解金 ...

12月12日，中国人民银行召开党委会议，传达学习中央经济工作会议精神，落实全国金融系统工作会议 要求，研究部署贯彻落实举措。 在当日召开的全国金融系统工作会议上，中共中央政治局委员、中央金融委员会办公室主任何立峰表 示，要继续实施好适度宽松的货币政策，加强对扩大内需、科技创新、中小微企业等重点领域的金融支 持，稳步有序推进金融改革开放，做好预期管理。 具体在明年工作方面，央行会议提出了五大方向，涉及完善中央银行制度、继续实施适度宽松的货币政 策、防范化解重点领域金融风险、稳步推进金融高水平开放等。 构建科学稳健货币政策体系 完善中央银行制度，建设强大的中央银行被列为央行的首要工作。 央行表示，构建科学稳健的货币政策体系，动态评估完善货币政策框架，丰富货币政策工具箱，加强货 币政策执行和传导。 二十届四中全会提出"构建科学稳健的货币政策体系"。业内专家表示，构建科学稳健的货币政策体系， 关键要把握好货币政策的力度、时机和节奏，更加注重做好跨周期和逆周期调节，提升金融支持结构调 整和高质量发展的适配性和精准性，重点是要处理好短期与长期、稳增长与防风险、内部与外部的关 系。 构建科学稳健的货币政策体系要从多个维度着 ...

Core Viewpoint - The 20th Central Committee's Fourth Plenary Session approved the "Suggestions on Formulating the 15th Five-Year Plan for National Economic and Social Development," which sets the direction for high-quality financial development in Shenzhen [1][20]. Group 1: Political Leadership and Learning - The company prioritizes political construction, utilizing various learning methods to study Xi Jinping's latest important speeches and fostering a strong learning atmosphere through dedicated columns on their public platform [2][21]. - A structured learning matrix is established, integrating theoretical learning into daily practices, ensuring continuous engagement among party members [2][21]. Group 2: Leadership Role in Key Projects - The company plays a crucial leadership role in major project reviews and investments, ensuring alignment with national strategies and regional economic stability [5][23]. - Party members take on exemplary roles in project advancement, particularly in areas like non-performing asset management and real estate project support, contributing to high-quality economic development [5][23]. Group 3: Risk Management and Real Estate Solutions - The company actively responds to calls for real estate risk mitigation, focusing on urban renewal and policy housing, and collaborates with local governments and various departments to address challenges faced by stakeholders [9][27]. - Innovative financial solutions are implemented to restructure historical debts and attract new funding, achieving both economic and social benefits, recognized with the "2024 Best Case Award" in the national AMC industry [9][27]. Group 4: Project Revitalization and Community Support - The company engages in project revitalization efforts, employing innovative models to resolve risk conflicts, particularly in the real estate sector, and successfully isolates debt risks while achieving multi-party benefits [12][30]. - Initiatives are taken to support local governments and financial institutions, ensuring that community needs are met while promoting economic stability [12][30]. Group 5: Strategic Investment in Emerging Industries - The company embraces its political and social responsibilities by investing in emerging industries such as robotics and artificial intelligence, aligning with national strategic goals [16][34]. - Collaborative investment strategies are employed to address liquidity challenges faced by companies, enhancing the overall production capacity in Shenzhen [16][34]. Group 6: Future Directions - The company plans to continue its involvement in local financial risk management, focusing on Shenzhen's strategic emerging industries and contributing to the development of the Guangdong-Hong Kong-Macao Greater Bay Area [18][35].

Core Viewpoint - Chengdu Bank and its 15 branches were fined a total of 7.25 million yuan due to multiple core business management violations, highlighting vulnerabilities in its management system [2][3] Summary by Sections Regulatory Actions - Chengdu Bank's main issues were identified as imprudent management in loan, deposit, discount, and bill businesses, with the total fine amounting to 7.25 million yuan, including 900,000 yuan for the head office and 6.35 million yuan for 15 branches [3] - The penalties also included warnings and fines for 13 responsible individuals, totaling 730,000 yuan, indicating a shift towards personal accountability in regulatory enforcement [3][4] Financial Performance - Chengdu Bank, established in 1996, is the largest legal bank in Sichuan Province, achieving record performance in 2024 with total assets of 1.25 trillion yuan, deposits of 880 billion yuan, and loans of 740 billion yuan, marking four consecutive years of over 100 billion yuan growth [5] - However, the bank faces challenges such as slowing growth and imbalanced business structure, with revenue growth rates declining from 22.54% in 2021 to 5.9% in 2024 [5][6] Risk Management and Compliance - The bank's high customer concentration is concerning, with the top ten loan clients accounting for 38.31% of net capital, significantly higher than peers like Jiangsu Bank and Nanjing Bank [6] - The regulatory environment is tightening, with nearly 1,000 fines issued to banks in 2025 alone, emphasizing the need for improved internal controls and compliance mechanisms [7][8]

Core Viewpoint - The rapid restructuring of rural banks under Shanghai Pudong Development Bank (SPDB) is a response to regulatory demands for financial risk mitigation, with several rural banks being dissolved and their assets transferred to SPDB branches [1][2]. Group 1: Recent Developments - As of November 2023, multiple rural banks under SPDB have been approved for dissolution, with their assets and liabilities being taken over by SPDB [1]. - A total of six rural banks have been dissolved this year, transitioning to branches of SPDB [1]. - The restructuring includes the acquisition of banks in various regions, such as Dalian, Yunnan, and Xinjiang, with new branches being established in their place [1]. Group 2: Financial Performance - By the end of 2024, the 28 rural banks established by SPDB will have total assets of 40.221 billion yuan, with deposits of 33.186 billion yuan and loans of 22.439 billion yuan [2]. - The number of clients served includes 1.4332 million settlement customers and 54,900 loan customers, with an average loan amount of 408,800 yuan [2]. - In 2024, these banks are projected to generate operating income of 693 million yuan, but will incur a net loss of 69 million yuan [2]. Group 3: Industry Outlook - Experts predict an acceleration in the structural reorganization of rural banks, leading to a gradual decrease in their numbers [3]. - There is a call for guiding policies to help rural banks refocus on their core missions and effectively manage risks while supporting rural revitalization and small enterprises [3]. - The importance of small and medium-sized banks is emphasized, with recommendations for differentiated regulatory support and incentives for banks that effectively manage rural bank investments [3].