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普惠涉农贷款火热 多元金融主体瞄准乡村市场
Zhong Guo Jing Ying Bao· 2025-10-12 12:17
中经记者 郑瑜 北京报道 重庆小雨点小额贷款有限公司相关负责人透露,公司从2018年开始布局小微企业与农业贷款项目,主要 业务模式为依托农业的核心环节,农业物质生产资料(化肥、饲料)核心企业切入到种植业和养殖业 中,解决两条产业链条中的"吃饭问题"。 国家金融监督管理总局数据显示,2025年二季度末,普惠型涉农贷款余额13.9万亿元,较年初增加1.1万 亿元。 根据中国银行业协会发布的《中国消费金融公司发展报告(2025)》,2024年,消费金融公司累计为 8543万人次的县域客户提供了产品丰富、可得性更高的普惠金融服务。 《中国经营报》记者发现,在提供农村金融服务的主体方面,除了农信联社、农商银行、大型商业银行 这些传统主体,近年来,财务公司、持牌消费金融公司、小额贷款公司也在悄然布局这一市场。 (编辑:李晖 审核:何莎莎 校对:颜京宁) 9月初,国机财务有限责任公司在启动金秋购机专项金融服务,针对全国200余家合作农机经销商, 以"线上+线下"方式提供业务指导,助力经销商对接农户购机信贷需求。截至目前,已累计投放信贷资 金数亿元,为全国23个省区近5000户农户办理了农机购置贷款。 正值秋收秋种时节,多元 ...
中国电力财务有限公司原党委委员、副总经理薛嘉璋接受纪律审查和监察调查
Zhong Yang Ji Wei Guo Jia Jian Wei Wang Zhan· 2025-10-11 11:39
(中央纪委国家监委驻国家电网有限公司纪检监察组、甘肃省纪委监委) 中央纪委国家监委网站讯 据中央纪委国家监委驻国家电网有限公司纪检监察组、甘肃省纪委监委消 息:中国电力财务有限公司原党委委员、副总经理薛嘉璋涉嫌严重违纪违法,目前正接受中央纪委国家 监委驻国家电网有限公司纪检监察组纪律审查和甘肃省定西市监察委员会监察调查。 ...
浙江镇洋发展股份有限公司第二届监事会第十七次会议决议公告
Shang Hai Zheng Quan Bao· 2025-10-09 18:31
登录新浪财经APP 搜索【信披】查看更多考评等级 证券代码:603213 证券简称:镇洋发展 公告编号:2025-053 转债代码:113681 转债简称:镇洋转债 浙江镇洋发展股份有限公司 本公司监事会及全体监事保证本公告内容不存在任何虚假记载、误导性陈述或者重大遗漏,并对其内容 的真实性、准确性和完整性承担法律责任。 一、监事会会议召开情况 浙江镇洋发展股份有限公司(以下简称"公司")第二届监事会第十七次会议于2025年9月30日在浙江省 宁波市镇海区宁波石化经济技术开发区海天中路655号712会议室以现场方式召开。会议通知已于2025年 9月24日以书面形式送达。本次会议应出席监事3名,实际出席监事3名。会议由监事会主席周强先生主 持,本次会议的召集、召开和表决程序均符合《公司法》《公司章程》及相关法律法规的规定。 二、监事会会议审议情况 本次会议对以下议案进行逐项审议并表决,形成如下决议: 第二届监事会第十七次会议决议公告 1、审议通过《关于与浙江省交通投资集团财务有限责任公司签订<金融服务协议>暨关联交易的议 案》。 经审核,监事会认为:公司结合市场情况与浙江省交通投资集团财务有限责任公司(以下简称 ...
通润装备:关于与正泰集团财务有限公司签署《金融服务协议》暨关联交易的公告
Zheng Quan Ri Bao Zhi Sheng· 2025-09-25 11:40
Core Points - The company announced a board meeting on September 25, 2025, to approve a proposal for signing a financial service agreement with Zhengtai Group Financial Co., Ltd [1] - The agreement aims to enhance the company's and its subsidiaries' fund management, improve risk control, reduce operational costs, and increase fund utilization efficiency [1] - The agreement will be effective from 2026 to 2028, with a total credit limit of up to RMB 500 million and a maximum daily deposit balance of RMB 500 million at Zhengtai Financial [1] - Both the company and Zhengtai Financial are under the control of Mr. Nan Cunhui, establishing a related party relationship, and the transaction is classified as a related party transaction [1] - The proposal will require approval from the company's shareholders [1]
中油资本(000617) - 000617中油资本投资者关系管理信息20250922
2025-09-22 01:29
Group 1: Strategic Framework - The company has established a "11445" strategic framework aimed at becoming an internationally recognized, domestically leading financial service provider, focusing on "innovation, market, service, and green" strategies [1] - The framework includes four major platforms: financial asset supervision, financial business integration, financial equity investment, and financial risk management, targeting high-quality development across five key businesses: banking, finance companies, trusts, financial leasing, and insurance [1] Group 2: Business Focus Areas - Kunlun Bank is advancing its industrial-financial strategy, expanding its customer base, and developing a unique product system that integrates online and offline services [2] - Zhongyou Finance serves as the internal bank and treasury platform for China National Petroleum Corporation, recognized for its efficient and professional services in treasury, industrial finance, and international business [2] - Kunlun Financial Leasing is implementing a differentiated and internationalized development strategy, maintaining stable asset growth and good asset quality [2] - Kunlun Trust is focusing on the energy and chemical industry chain, aiming to become a leading energy trust company while adhering to its core mission of serving the real economy [2] - The insurance segment is enhancing its support for core business capabilities, providing robust insurance coverage for assets, liabilities, and employee health [2] Group 3: Market Value Management - The company has developed a market value management approach that incorporates performance indicators into the annual contracts of management [3] - A "Quality Return Dual Improvement" action plan has been established, focusing on seven areas: party building, industrial-financial integration, business development, risk control, market value management, information disclosure, and shareholder returns [3] - Future efforts will include the implementation of regulatory requirements and the introduction of long-term patient capital to enhance investment value [3]
五矿集团财务有限责任公司因违反外汇账户管理规定被罚4万元
Qi Lu Wan Bao· 2025-09-10 06:36
五矿集团财务有限责任公司成立于1993年5月26日,法定代表人董甦,为中国五矿集团有限公司所属控股子企业。 近日,齐鲁晚报·齐鲁壹点记者从国家外汇管理局官网获悉,五矿集团财务有限责任公司因违反外汇账户管理规定,被国家外 汇管理局北京市分局罚款4万元。 | | | 政府信息公开 | | --- | --- | --- | | | 请给入关键字 | | | E 政 策 + | | 京汇罚 (2025) 35号 | | | 【返回】 行政处罚决定书文号 | 京汇团 (2025) 35号 | | 政府信息 公开指南 | 速规主体名称 | EAL#图的经典酒店出品 | | 政府信号 公开制度 | 法定代表人或负责人 姓名 | 道" | | | 注册地址 | 北京市制定区三里河路5号A247-A267 (单) A226-A236 (双) C106 | | + | 统一社会信用代码 | 91110000101710917K | | 政府信息 | 作出处罚决定的行政 机关名称 | 国家外汇管理局北京市分局 | | | 達法行为英型 | 《跨国公司本外币的规资金集中运营管理规定 (试点)》 (京汇 (2023) 25号 200 ...
华银电力: 关于中国大唐集团财务有限公司2025年上半年风险评估报告
Zheng Quan Zhi Xing· 2025-08-29 18:21
Company Overview - China Datang Group Financial Company was established on May 10, 2005, and officially commenced operations in August 2005, with a registered capital of 6.5 billion RMB [1] - The company is the first non-bank financial institution controlled by China Datang Group, with a focus on providing financial services to its member enterprises [1] Internal Control and Risk Management - The company has established a robust internal control environment, with a clear organizational structure comprising 11 departments, including 4 business departments and 7 functional departments [1] - A comprehensive internal control system has been developed, covering key areas such as settlement, credit, fund management, risk management, legal compliance, human resources, and information systems [2][3] - The company has implemented a three-line defense model for internal control, with business departments as the first line, legal and risk management as the second line, and the audit department as the third line [3] Financial Performance - As of June 30, 2025, the company reported total assets of 46.254 billion RMB, equity of 8.756 billion RMB, and deposits of 37.065 billion RMB [6] - The company achieved total operating revenue of 498 million RMB in the first half of 2025 [6] Regulatory Compliance - The company adheres to the regulations set forth by the China Banking and Insurance Regulatory Commission and has not encountered any significant economic accidents or compliance issues [6][7] - All monitoring and regulatory indicators are in compliance with the requirements of regulatory authorities, ensuring a stable operational environment [6][7] Risk Assessment - The company has established a sound internal control system that effectively manages risks, with no significant deficiencies identified in risk management or financial reporting [7][8] - The financial services provided to the company by the financial institution are deemed secure and beneficial, with no instances of payment delays due to cash or credit shortages [7]
华能水电: 关于对中国华能财务有限责任公司的风险持续评估报告
Zheng Quan Zhi Xing· 2025-08-29 17:11
Core Viewpoint - Huaneng Lancangjiang Hydropower Co., Ltd. has conducted an evaluation of Huaneng Finance's operational qualifications, internal controls, business, and risk status based on its financial statements and relevant documentation [1][2]. Group 1: Basic Information of Huaneng Finance - Huaneng Finance was established on October 27, 1987, and has a registered capital structure with Huaneng Group holding 52% of the shares [1]. - The company operates in various financial services, including insurance agency, financial consulting, and internal fund transfers among member units [1]. Group 2: Internal Control Overview - Huaneng Finance has established a governance structure with a clear division of responsibilities among the shareholders' meeting, board of directors, and supervisory board [2]. - The company prioritizes strengthening internal control mechanisms and risk prevention through employee training and internal audits [2][3]. Group 3: Risk Management and Control Activities - Huaneng Finance has implemented a comprehensive risk management system, including internal audits and a risk management department responsible for monitoring compliance and risk assessment [3][7]. - The company categorizes risk assets quarterly to reflect the true status of risk assets and to provide a basis for asset loss provisions [3][7]. Group 4: Financial Performance - As of June 30, 2025, Huaneng Finance reported total assets of 616.70 billion, total liabilities of 515.30 billion, and net assets of 101.40 billion [7]. - The company achieved a net interest income of 3.27 billion and a net profit of 2.22 billion for the period [7]. Group 5: Deposit and Loan Situation - As of June 30, 2025, the company had a deposit balance of 20.24 billion in Huaneng Finance, representing 86.42% of total deposits [8]. - The loan balance from Huaneng Finance was 5.98 billion, accounting for 0.52% of total loans [8][9]. Group 6: Risk Assessment Opinion - The company believes that Huaneng Finance possesses a valid business license and operates within legal frameworks [9].
中国建筑: 中国建筑股份有限公司关于对中建财务有限公司2025年上半年风险持续评估报告
Zheng Quan Zhi Xing· 2025-08-29 17:02
Core Viewpoint - China Construction Co., Ltd. has conducted a risk assessment of its subsidiary, China Construction Finance Co., Ltd., as required by regulatory guidelines, and the assessment indicates that the financial company is operating within regulatory requirements and has effective risk management practices in place [1][10]. Group 1: Basic Information and Operations - China Construction Finance Co., Ltd. was established with a registered capital of 15 billion yuan, with China Construction Group holding 20% and China Construction Co. holding 80% [1]. - The company’s business scope includes accepting deposits, providing loans, bill discounting, and financial consulting services among others [1]. - The organizational structure includes a board of directors, supervisory board, and management team, with 15 functional departments [1]. Group 2: Financial and Regulatory Indicators - As of June 30, 2025, the total assets of China Construction Finance Co. amounted to 93.704 billion yuan, with total liabilities of 74.119 billion yuan and total equity of 19.585 billion yuan, resulting in a net profit of 414 million yuan [1]. - Key regulatory indicators as of June 30, 2025, include a capital adequacy ratio of 20.29%, liquidity ratio of 47.27%, and non-performing asset and loan ratios of 0% [2][3]. Group 3: Risk Management Framework - The risk management framework is established in accordance with relevant laws and regulations, ensuring a robust governance structure [4]. - The company has a comprehensive risk management system that includes a risk management committee and various specialized committees to oversee risk-related activities [4][5]. - Risk management policies and procedures are in place to address various types of risks, including credit, operational, and compliance risks [6][10]. Group 4: Risk Assessment and Control - The company has implemented measures to manage liquidity risk, ensuring that liquidity indicators remain stable and compliant with regulatory requirements [8]. - Credit risk management is prioritized, with a focus on monitoring the financial health of clients, resulting in zero non-performing assets as of June 30, 2025 [8]. - Compliance risk management includes a well-defined governance structure and regular training to enhance compliance awareness among employees [8][10]. Group 5: Related Party Transactions - As of June 30, 2025, the maximum daily deposit balance from China Construction Group and its subsidiaries in China Construction Finance Co. was 2.8 billion yuan, while the maximum daily loan balance was 2 billion yuan, all in compliance with the financial service framework agreement [10]. Group 6: Conclusion - Overall, the assessment concludes that China Construction Finance Co. operates legally and compliantly, with all regulatory indicators meeting requirements and no significant deficiencies in risk management [10].
江西铜业: 江西铜业股份有限公司关于控股子公司江西铜业集团财务有限公司的风险持续评估报告
Zheng Quan Zhi Xing· 2025-08-29 16:52
Core Viewpoint - Jiangxi Copper Company has conducted a risk assessment report on its subsidiary, Jiangxi Copper Group Finance Company, indicating that the finance company operates in compliance with regulations and maintains a robust risk management system [1][9]. Group 1: Basic Information of the Finance Company - The finance company is named Jiangxi Copper Group Finance Company, with a registered capital of 2.6 billion yuan [1]. - The ownership structure shows Jiangxi Copper Company holds 98.33% of the shares, while Jiangxi Copper Material Company holds 1.67% [1]. Group 2: Compliance Management and Risk Control - The finance company has established a governance structure that includes a board of directors and various committees to ensure clear responsibilities and effective risk management [1][2]. - A comprehensive risk management system has been implemented, including the identification and assessment of various risk categories [2][3]. Group 3: Operational and Financial Management - As of June 30, 2025, the finance company reported total assets of 31.539 billion yuan, with total liabilities of 26.953 billion yuan and total equity of 4.586 billion yuan [8]. - The finance company achieved an operating income of 234 million yuan and a net profit of 144 million yuan in the first half of 2025 [8]. Group 4: Regulatory Compliance - The finance company meets all regulatory requirements, including a capital adequacy ratio of 23.08%, liquidity ratio of 58.39%, and loan ratio of 54.13% [8]. - The company has no external liabilities, indicating a strong financial position [8]. Group 5: Risk Assessment and Future Monitoring - The finance company has a well-established risk management framework that effectively prevents and mitigates financial risks [9]. - The company will continue to monitor the finance company's operations and risk status to ensure ongoing compliance and risk control [9].