主旨演讲中，经济领域专家分享了当前宏观经济形势的最新分析研判，来自全国多家融资担保机构负责人介绍了做好金融"五篇大文章"的经验做法，并聚焦 融资担保行业融入"十五五"规划，从改革创新、数字赋能、开放合作、产融结合等方面提出了思考和实践路径，展现了融资担保行业在服务国家战略、赋能 地方发展征程中的新担当和新作为。 10月30日，2025年度融资担保行业高质量发展论坛在重庆举办。论坛以"渝时俱进融惠四海'十五五'领航新未来"为主题，汇聚金融监管部门、行业协会和全 国融资担保机构负责人，以及专家学者共300余人，共商行业发展大计，共同见证西南融资担保服务联盟成立。 本次论坛由中国融资担保业协会主办，重庆市融资担保业协会、重庆三峡融资担保集团股份有限公司承办。 中国融资担保业协会党委书记、专职副会长郭洪川在致辞中表示，国家"十五五"规划已全面铺开，此次论坛既是对国家战略导向的积极响应，更是融资担保 行业锚定未来五年发展坐标的关键契机。 重庆市委金融工委专职副书记金勇杰在致辞中表示，重庆融资担保行业积极融入地方经济社会发展大局，有效纾解小微企业融资"急难愁盼"问题，凸显金融 领域的生力军作用，站在"十五五"时期新起点， ...

Core Viewpoint - The launch of a digital reinsurance platform by the Three Gorges Guarantee Group in Chongqing marks a significant advancement in the financing guarantee industry, facilitating efficient cross-regional resource allocation and collaboration among guarantee institutions [3][6][9]. Industry Developments - The digital reinsurance platform is the first of its kind in the national guarantee industry, representing a shift from traditional case-by-case cooperation to a standardized, productized, and digitized approach [6][9]. - The platform utilizes advanced technologies such as digital encryption and biometric recognition to aggregate high-quality guarantee information, enabling online product release, application, electronic signing, and comprehensive management [9]. Company Initiatives - The Three Gorges Guarantee Group has undergone a strategic restructuring, merging with other guarantee entities to enhance competitiveness and service capabilities, transitioning from "dispersed competition" to "centralized development" [5][9]. - The platform has already launched 164 reinsurance projects with a total amount of 229 billion yuan, covering 14 districts in Chongqing and extending to 11 provinces nationwide [9]. Regional Economic Impact - The establishment of the digital reinsurance platform coincides with the critical phase of building Chongqing as a western financial center, aiming to improve financial accessibility for local market entities [9][10]. - The platform is expected to optimize business structures and regional layouts, effectively dispersing risks while enhancing the efficiency of capital utilization and support for local economic development [9].

中经记者 郑瑜 北京报道 随着监管进一步规范，互联网信贷业务的公开化、透明化不断提高。 自10月1日《关于加强商业银行互联网助贷业务管理提升金融服务质效的通知》（以下简称"助贷新 规"）施行以来，商业银行、消费金融公司等主体相继完成合作提供增信服务的融资担保公司名单披露 工作。 《中国经营报》记者注意到，近期有融资担保公司因违反信用信息采集、提供、查询及相关管理规定， 受到"双罚"（即机构及相关责任人均被处罚），为行业征信管理敲响警钟。 "此次处罚源于前端引流渠道的系统缺陷造成客户对授权签署行为感知低。"有知情人士向《中国经营 报》记者透露。 合规意识与技术能力不足 记者注意到，今年年中至今，多家担保公司"因违反信用信息采集、提供、查询及相关管理"等规定被处 罚。 一位行业头部融资担保公司从业者向记者透露，公司正在通过升级技术措施，引入先进的信息传输与控 制技术，加强个人信息授权核验。 在王蓬博看来，当前融资担保行业在用户信息保护方面最突出的共性问题是合规意识与技术能力都不 足。一方面，部分融资担保公司为追求风控效率，默许合作方过度索权；另一方面，数据分类分级、权 限管理、日志审计等基础能力建设滞后，导致内控 ...

Core Insights - The establishment of the Qingdao Technology Finance Alliance aims to enhance the quality and efficiency of technology finance services, supporting the development of the technology innovation industry in Qingdao [1][2] Group 1: Alliance Structure and Objectives - The alliance consists of 78 institutions, including banks, insurance companies, guarantee firms, and investment institutions, focusing on providing comprehensive financial services for technology enterprises [1][2] - The alliance seeks to integrate various resources from government, banks, investments, insurance, and guarantees to support technology enterprises in enhancing their R&D and innovation capabilities [2][3] Group 2: Collaboration and Information Sharing - Information sharing is crucial for achieving collaboration, innovation, and win-win outcomes among alliance members [3] - The alliance plans to strengthen connections with industry departments and enhance the existing financial service platforms in Qingdao to provide diverse and comprehensive information [3] Group 3: Financial Support Mechanisms - The Qingdao Financing Guarantee Group aims to act as a "credit enhancer" for technology enterprises, ensuring they understand and access policy benefits [4] - The alliance promotes a risk-sharing mechanism among financial institutions to alleviate financing difficulties faced by technology enterprises [4] Group 4: Investment Strategies - Guolian Securities focuses on binding equity investments with the growth resources of technology enterprises, supporting early-stage and growth-stage companies through tailored investment strategies [6][7] - The firm also emphasizes the importance of IPOs in unlocking the capital value of technology enterprises by clarifying asset ownership and enhancing financial reporting [7] Group 5: Insurance Products for Technology Enterprises - Customized insurance products are developed to provide risk protection for technology enterprises at various stages, including R&D, trial production, and market promotion [9][10] - The insurance offerings include trial insurance and major technology breakthrough insurance, which have successfully supported enterprises in securing financing [9][10] Group 6: Support for Key Technologies - The alliance prioritizes support for critical technology projects within key industries such as integrated circuits and artificial intelligence, providing tailored resources and guarantees [10] - In 2023, the insurance sector has provided risk protection amounting to 3.478 trillion yuan for 1,810 technology enterprises in Qingdao, particularly in the marine technology sector [10]

Core Points - The article discusses tax incentives aimed at supporting the development of small and micro enterprises and individual businesses, particularly through financing and credit guarantee institutions [2][3]. Group 1: Tax Deduction Policies - From January 1, 2016, qualified small and micro enterprise financing (credit) guarantee institutions can deduct certain reserves from their corporate income tax. This includes: 1. A guarantee compensation reserve not exceeding 1% of the year-end guarantee liability balance [2]. 2. An unexpired liability reserve not exceeding 50% of the guarantee fee income for the year [2]. 3. Actual compensation losses incurred by the guarantee institutions can be deducted according to tax laws [2]. Group 2: Eligibility Criteria - To qualify for these tax benefits, small and micro enterprise financing (credit) guarantee institutions must meet several conditions: 1. Compliance with the "Interim Measures for the Administration of Financing Guarantee Companies" and possess a valid operating license [3]. 2. At least 70% of their credit guarantee business must be focused on small and micro enterprises [4]. 3. The average annual guarantee fee rate for small enterprise financing must not exceed 50% of the bank's benchmark loan interest rate [4]. 4. Other conditions as specified by financial and tax authorities [4]. Group 3: Enjoyment of Benefits - The aforementioned tax policies can be enjoyed without the need for a formal application process [5]. Group 4: Policy References - The article references specific policy documents that outline the tax deduction policies for small and micro enterprise financing (credit) guarantee institutions [10].

Core Viewpoint - The company has entered into a shareholder change agreement, transferring all shares held by Guangdong Yuecai to Guangdong Re Guarantee, resulting in an increase in Guangdong Re Guarantee's stake in Guangdong Zhongying Shengda Financing Guarantee from 2.5% to 10% [1][2] Group 1: Shareholder Change Agreement - The agreement involves the transfer of shares from Guangdong Yuecai to Guangdong Re Guarantee, which will increase Guangdong Re Guarantee's ownership in the company [1] - Following the share transfer, Guangdong Yuecai will no longer be a shareholder of Guangdong Zhongying Shengda Financing Guarantee [1] Group 2: Rights and Obligations - The agreement includes granting Guangdong Re Guarantee a put option, allowing them to sell their shares back to the company if performance metrics are not met over five consecutive fiscal years [1] - If the annual profit allocated to Guangdong Re Guarantee falls below RMB 81.12 million, the company is obligated to provide guaranteed returns, subject to certain terms and conditions [1] Group 3: Business Outlook - The company anticipates that the performance of Guangdong Zhongying Shengda Financing Guarantee will meet the "excellent" level as defined by the Guangdong Provincial Department of Finance within one or more fiscal years [2] - The company expects to receive the guaranteed returns and profit distributions, which will maximize investment returns and align with the overall interests of the company and its shareholders [2]

Core Viewpoint - The company, Zhongying Shengda Financing Guarantee, has entered into a shareholder change agreement, resulting in Guangdong Yuetai transferring its entire stake in Guangdong Zhongying Shengda Financing Guarantee to Guangdong Re Guarantee, increasing the latter's shareholding from 2.5% to 10% [1] Group 1 - The shareholder change agreement includes granting Guangdong Re Guarantee a put option, allowing it to sell its entire stake if the performance of Guangdong Zhongying Shengda Financing Guarantee does not meet the "excellent" level as per the evaluation criteria set by the Guangdong Provincial Finance Department for five consecutive fiscal years [1] - If the annual profit allocated to Guangdong Re Guarantee falls below RMB 81.12 million, the company will provide a guaranteed return, subject to certain terms and conditions [1] - The company anticipates that the performance of Guangdong Zhongying Shengda Financing Guarantee will reach the "excellent" level within one or more fiscal years due to the strong encouragement from government authorities for financing guarantee businesses [2] Group 2 - The profit exceeding RMB 81.12 million will be distributed only between the company and Foshan High-tech, aligning with the company's and its shareholders' overall interests [2] - The arrangements for guaranteed returns and profit distribution are designed to maximize the investment returns for the company [2]

作为小微创业生态中不可或缺的力量，女性创业者一直是平安融易重点关注与服务的对象。自2017年 起，平安融易持续支持中国妇女发展基金会"@她创业计划——母亲创业循环金项目"开展，携手赋能女 性创业的探索之路。多年来，双方累计在黑龙江、甘肃等6个省区市发放循环金达4310万元，惠及众多 女性创业者。在黑龙江齐齐哈尔，平安融易联合中国妇女发展基金会扶持的赤松茸产业不仅为当地创造 了可观的经济效益，更激活了农村创业就业的新动能；在甘肃临洮，平安融易助力当地百合产业突破地 域限制，让这一特色农产品从黄土地走向全国市场，成为当地群众增收致富的重要支柱。 以本次创业赋能培训为起点，平安融易"小微背后的力量"系列公益行动正式启航，未来将通过金融支 持、产业赋能、渠道拓展等多元化方式，为各领域小微提供全方位支持，助力产业发展和乡村振兴。展 望未来，平安融易表示，公司将持续深化公益实践，在产业帮扶的道路上持续深耕，让金融的温度覆盖 产业发展全链条，切实推动地方经济高质量发展，既做小微创业者的同行者，也做乡村振兴战略落地的 践行者，让产业发展的成果真正惠及每个小微，为实现共同富裕的时代目标贡献平安融易的坚实力量。 同时，本次培训与 ...

Core Viewpoint - The financial system in the province is focused on implementing national financial policies to support the high-quality development of private enterprises, emphasizing service quality and efficiency Group 1: Credit Resource Investment - Continuous increase in credit resources to support the growth of the private economy, with 59 financial institutions and over 2,200 financial partner teams serving 80,000 private enterprises, providing financing exceeding 400 billion yuan for 18,000 private enterprises [2] - Support for weak links by extending financial services to individual businesses, resulting in 276,000 private enterprises having loans by the end of November, an increase of 19,000 since the beginning of the year [3] - Implementation of "Financial Direct to Grassroots Acceleration" action to address issues like slow approvals and difficult renewals, facilitating 1,303 projects with financing of 307.687 billion yuan [4] Group 2: Capital Market Utilization - Utilizing domestic and foreign capital markets to promote the development of listed companies, with 5 new listed companies this year, bringing the total to 309, of which 62% are private enterprises [5] - Expanding direct financing channels through financial increment policies, with 16 private enterprises entering the investment project library of a newly established private equity fund of 50 billion yuan [6] - Strengthening the role of regional equity markets, with 160 new private enterprises listed this year, raising a total of 690.86 million yuan [7] Group 3: Addressing Financing Challenges - Improving mechanisms for risk prevention and resolution, ensuring early identification and management of risks for private enterprises [8] - Providing inclusive guarantees to solve collateral issues, benefiting 234,900 small and micro private enterprises and farmers [9] - Implementing no-repayment renewal policies for all small and medium enterprises, with new no-repayment loans amounting to 280.103 billion yuan, a year-on-year increase of 13.49% [10] - Utilizing digital finance to enhance credit information, providing data support to over 3.3 million private economic entities [11]

Core Viewpoint - The collaboration between Industrial and Commercial Bank of China (ICBC) Anqing Susong Branch and Susong County SME Financing Guarantee Co., Ltd. has successfully introduced an innovative financing service combining "green loans + talent guarantee loans," providing 5 million yuan in credit support to a technology company facing financing challenges, effectively addressing urgent development needs and exemplifying precise financial services for the real economy [1][2]. Group 1 - The technology company specializes in electronic component manufacturing and possesses core technology and good market prospects but faced financing difficulties due to light asset operations and lack of traditional collateral [1]. - The joint service team was formed quickly to conduct due diligence by proactively visiting the company across provinces, demonstrating a commitment to understanding the enterprise's needs [1][2]. - The "green loan" component aligns with national green development policies, offering preferential interest rates to reduce financing costs and direct financial resources towards green industries [1][2]. Group 2 - The "talent guarantee loan" effectively addresses the challenge of quantifying the value of core talent in technology companies, with the guarantee company providing strong credit support based on professional assessments of the company's core team's technical strength and development potential [1][2]. - The dual-mode application of financing precisely matches the company's core funding needs for technology research and green project investments, ensuring timely and accurate disbursement of the 5 million yuan loan [2]. - The funding will primarily be used for purchasing key research and development equipment and increasing investment in core technology breakthroughs, highlighting the effectiveness of the innovative financing model in supporting technological innovation and talent value [2].