聚焦创新形式，构建多元化普法载体。该行以央行法律服务站为抓手，法律事务部门联合3名外聘律 师，解答干部职工法律问题150余次。依托乡村振兴服务点等阵地普及与中国人民银行履职等20余项相 关法律法规。通过新媒体、报刊媒介、业务大厅电子显示屏等进行金融普法宣传。落实"谁执法谁普 法"责任制，创建金融普法宣教作品24个，将法治央行相关内容融入祁阳渔鼓、零陵花鼓戏中进行宣 传，将存款保险与地方特色相结合，增强普法宣传的趣味性，线上互动覆盖人次突破3万人，线下活动 吸引5000余名群众参与。 聚焦法治实践，构建浸润式普法场景。该行将金融普法与履职重点工作深度结合，在开展金融纠纷调 解、征信争议源头治理、行政执法等过程中，借助不同场景进行浸润式普法。坚持和发展新时代"枫桥 经验"，推进金融消费纠纷多元化解机制建设，积极开展诉调对接，线上视频调解，签署调解协议、司 法确认全流程在线办理，完成全国首例"总对总"平台线上调解成功的金融纠纷案件。对开展执法检查的 金融机构开展"回头看"，宣讲金融政策和中国人民银行履职相关法律法规，进一步巩固提升行政执法质 效。在辖内开展征信争议源头治理专项行动，构建"行动+监管+服务"三位一体源 ...

Market Performance - The Shanghai Composite Index reached a new high for the year, with a gain of 0.73%[2] - The ChiNext Index surged over 2.5%, outperforming the Shanghai 50 Index which rose by 0.96%[1] - The market showed a broad upward trend, with significant gains in sectors like lithium batteries, chemicals, energy, and metals[1] Capital Flow - On November 13, net inflows into the Shanghai Stock Exchange were 38.528 billion yuan, while the Shenzhen Stock Exchange saw net inflows of 38.647 billion yuan[3] - The top three sectors for capital inflow were batteries, semiconductors, and energy metals, while the largest outflows were from electricity, state-owned banks, and joint-stock banks[3] Industry Trends - The lithium battery industry is benefiting from rapid growth in the energy storage market and rising raw material prices, attracting significant capital attention[1] - The demand for electricity is expected to rise due to increasing computational power needs driven by artificial intelligence, indicating potential growth in the power industry, including lithium batteries and green energy[1] Investment Strategy - Short-term investors are advised to focus on sector rotation and increase trading frequency while avoiding stocks with rapid price increases[1] - For medium to long-term investors, the emphasis should remain on industry trends, particularly in the domestic technology sector, which still holds substantial growth potential[1] Economic Developments - The Western Land-Sea New Corridor's foreign trade grew by 17.9% year-on-year, with imports and exports reaching 1.35 trillion yuan from January to October[5] - The Ministry of Industry and Information Technology is working on policies to support the development of specialized and innovative small and medium-sized enterprises[4]

Group 1: Offshore Wind Power Industry - Fujian Haidian Operation Technology Co., Ltd. has become a significant player in the offshore wind power operation and maintenance sector, covering over 20 provinces and cities in China, with a cumulative operation of over 7,000 wind turbines and a total capacity exceeding 25 million kilowatts [2][4] - The company faced financial difficulties in its early years, struggling to establish a systematic operation capability due to a lack of funds, which led to consecutive years of operating losses from 2017 to 2018 [2][3] - In 2019, the Bank of China Fujian Branch provided a customized credit loan of 260 million yuan, enabling the company to quickly expand its equipment and achieve profitability in the first half of 2020 [3][4] Group 2: Tea Industry - Tianfu Tea, founded by Li Ruihe, has a rich history and is known for its diplomatic tea, "Tianfu 813 Ginseng Oolong Tea," which gained international recognition during the APEC meetings [5][6] - The company received crucial support from the Bank of China during its early stages, including a million-dollar foreign exchange loan that helped alleviate financial pressures and solidified Li Ruihe's commitment to developing the tea industry in mainland China [6][7] - Over the past thirty years, the Bank of China has continuously supported Tianfu Tea's growth, with credit support increasing from the initial million dollars to 500 million yuan, facilitating the company's expansion into various sectors and establishing over 1,300 stores nationwide [7]

此次首度曝光的会谈，是对美国总统特朗普任内政策的直接回应。这些政策不仅颠覆了长期盟友关系，令美联储独立性备受质疑，更凸显美国在全球金 融体系中的主导地位。美联储通过货币互换机制向其他央行提供美元，在市场动荡期发挥着维系全球金融稳定的生命线作用。 SHMET 网讯：据路透社独家报道，五位知情官员透露，欧洲金融稳定官员正在讨论是否通过汇集非美国央行持有的美元，创建美联储资金支持的替代 方案，旨在减少特朗普政府时期暴露出的对美依赖。 某资深央行官员警告，即便仅是美联储暗示终止互换协议，本身就可能引发全球金融系统广泛压力。该官员坦言，届时任何央行都难有底气将自身美元 储备转借他国。 欧洲官员同时考虑通过加强银行监管等举措提升抗风险能力。两位欧元区银行高管透露，监管方已要求银行制定从亚洲、中东等市场获取美元的替代方 案，并对银行进行压力测试。 参与讨论的官员表示，"如何构建不依赖美国的韧性体系"已成为央行间会议的固定议题。因讨论内容敏感，所有受访官员均要求匿名。 对十余位欧洲央行及监管官员的访谈显示，他们担忧这套机制可能被特朗普政府武器化。其中两人指出，今年4月担忧情绪达到顶峰——当时特朗普宣 布的"解放日"进口关税震 ...

责任编辑：杨赐 11月14日消息，在今天举行的第十六届财新峰会上，中国⼈民银行副行长陶玲表示，金融市场是引导预 期的窗口，也是提振信心的窗口，市场的稳健也关系到资源配置和价值发现。 她谈到，对股票市场来说，创新的货币政策工具实际上是给股票市场带来新的增量支持，对非银行金融 机构，也会有流动性支持。 ...

Monetary Policy and Financial Data - As of the end of October 2025, M2 balance reached 335.13 trillion yuan, with a year-on-year growth of 8.2% [1] - M1 balance stood at 112 trillion yuan, reflecting a year-on-year increase of 6.2% [1] - The total social financing stock was 437.72 trillion yuan, growing by 8.5% year-on-year [1] - The balance of loans to the real economy in RMB was 267.01 trillion yuan, up 6.3% year-on-year [1] Regulatory Developments - The Financial Regulatory Bureau is set to release a revised "Commercial Bank Mergers and Acquisitions Loan Management Measures" to support mergers and transformations, including for tech enterprises [4] Corporate News - Moore Threads plans to issue 70 million shares, accounting for 14.89% of total post-issue shares, with initial pricing on November 19 and subscription on November 24 [5] - SMIC reported Q3 net profit of 1.517 billion yuan, a 43.1% increase year-on-year, with revenue of 17.162 billion yuan, up 9.9% [6] - Dahua City intends to acquire a 19.43% stake in Baicai Bang for 694 million yuan, focusing on 6G and satellite internet [8] - Lide Man plans to purchase 70% of Xiansheng Xiangrui for 1.733 billion yuan, entering the bioproducts sector [10] - Higer Communication's subsidiary aims to raise up to 800 million yuan to enhance investment in unmanned and low-altitude economy [14]

针对香梨产业"种植周期长、收购资金大、仓储周转快"的特点，邮储银行新疆分行创新推出"种植 贷""收购贷""仓储贷"等系列产品，建立"合作社+农户+银行"服务模式。"我们组建专项团队深入梨园， 根据客户在产业链中的定位制定专属融资方案，种植户可享最长3年授信，收购企业可申请循环额度， 最快实现当日放款。"邮储银行新疆分行三农金融事业部负责人介绍说，目前系列产品已覆盖种植户、 收购商、仓储企业等主体500余户。 据悉，从2018年开始，库尔勒香梨品牌价值连续6年稳居中国梨类第一。目前，库尔勒市香梨种植面积 达41.2万亩，结果面积超35万亩，今年预计产量超30万吨。通过金融支持与产业升级双轮驱动，当地加 强高标准示范园建设，建立绿色认证基地20万亩，香梨商品果率提升至80%以上，带动农户增收致富。 天山的雪水滋养果实，沙漠的温差凝聚糖分，金融的活水则让产业循环更顺畅。近年来，库尔勒市通 过"政府搭台+金融支撑+企业带动"模式，推动香梨产业向"标准化种植、品牌化销售、深加工延伸"转 型。邮储银行新疆分行的介入不仅解决了融资难、融资慢、融资贵问题，还通过"信贷+知识"服务，为 农户提供种植技术培训、市场行情分析，助力 ...

Group 1 - The U.S. government has ended its longest shutdown, but warnings remain high as only 3 out of 12 annual appropriations bills were passed, indicating a potential future shutdown in over two months [1] - The Congressional Budget Office predicts that the six-week shutdown will reduce the actual GDP growth rate by 1.5 percentage points, resulting in a permanent loss of approximately $11 billion [1] - During the shutdown, around 750,000 federal employees were furloughed daily, leading to potential permanent impacts on inflation and unemployment reports [1] Group 2 - The Labor Statistics Bureau had to recall some furloughed employees to produce the September employment data, raising concerns about data quality and economic authenticity [4] - The probability of a 25 basis point rate cut by the Federal Reserve in December has decreased to 51.6%, down from 59.4% the previous day [4] - There is a division within the Federal Reserve regarding monetary policy, with some members advocating for no changes to bring inflation back to the 2% target, while others support a rate cut due to better-than-expected inflation data [4]

Group 1: Financial Data Overview - As of the end of October, the total social financing scale reached 437.72 trillion yuan, with a year-on-year growth of 8.5%, which is 0.7 percentage points higher than the same period last year [3] - The cumulative increase in social financing for the first ten months was 30.9 trillion yuan, exceeding the same period last year by 3.83 trillion yuan [3] - The broad money supply (M2) stood at 335.13 trillion yuan, growing by 8.2% year-on-year, while the narrow money supply (M1) was 112 trillion yuan, with a year-on-year increase of 6.2% [3] Group 2: Loan and Interest Rate Trends - The balance of RMB loans reached 270.61 trillion yuan, with a year-on-year growth of 6.5%, and an increase of 14.97 trillion yuan in loans during the first ten months [3] - The average interest rate for newly issued corporate loans in October was 3.1%, approximately 40 basis points lower than the same period last year, while the average interest rate for new personal housing loans was also 3.1%, about 8 basis points lower year-on-year [3] Group 3: Trade and Economic Development - In the first ten months of the year, Shanghai's import and export volume reached 3.7 trillion yuan, an increase of 5.2%, with exports amounting to 1.6 trillion yuan, up by 10.5% [7] - The Shanghai Free Trade Zone has implemented 80 reform measures for institutional openness, with 77 measures being replicated nationwide or in other free trade zones [9] - ASEAN has maintained its position as China's largest trading partner for agricultural and food products for eight consecutive years, with bilateral trade reaching 513 billion USD, a year-on-year increase of 8.9% [9] Group 4: Infrastructure and Technological Advancements - China completed water conservancy construction investments of 1,009.47 billion yuan in the first ten months, implementing 46,000 various water conservancy projects [10] - The first phase of 6G technology testing has been completed, with over 300 key technology reserves formed, and 57 tests conducted in five major technical directions [10]

国际货币基金组织（IMF）发言人13日表示，受到政府"停摆"的部分影响，预计美国第四季度GDP增速 将低于此前IMF预测的1.9%。但由于"停摆"导致数据匮乏，IMF评估美国经济表现的能力受到影响。 美国白宫经济顾问哈塞特预计，美国第四季度国内生产总值（GDP）增速将因政府"停摆"而下降1.5个 百分点。 新华财经北京11月14日电美国总统特朗普于当地时间11月12日晚签署联邦政府临时拨款法案，本轮创纪 录的美国联邦政府"停摆"暂时宣告落幕。由于担忧政府"停摆"造成的数据缺失将令美联储决策面临困 局，投资者减少了对12月降息的押注，美国国债收益率于11月13日普遍上涨2-4个基点。 截至13日尾盘，10年期美债收益率上涨4个基点，报4.12%；2年期美债收益率涨2个基点，报3.59%。 美国国会预算办公室估计，为期六周的"停摆"将给美国造成约110亿美元的经济损失。堪萨斯州共和党 参议员杰里·莫兰表示，政府"停摆"不仅对美国选民和经济造成损害，还向全世界发出了一个危险信号 ——"我们是不可靠的伙伴，无法齐心协力履行国会最基本职责"。 明尼阿波利斯联邦储备银行行长尼尔·卡什卡利也对12月货币政策会议的行动方向持 ...