Core Insights - The collaboration between the Development Research Center of the State Council and Siemens focuses on the digital transformation of small and medium-sized manufacturing enterprises in China, emphasizing the importance of this transition for the manufacturing sector's high-quality development [1][2]. Group 1: Government Perspective - The 20th Central Committee's Fourth Plenary Session has highlighted the need to promote the digital transformation of the manufacturing industry, particularly for small and medium-sized enterprises, to support the construction of a strong manufacturing nation [1]. - The government aims to leverage China's vast market, robust manufacturing base, and complete industrial chain to accelerate the digital transformation of small and medium-sized manufacturing enterprises [1]. Group 2: Industry Perspective - Siemens emphasizes that the current era marks a historical turning point for digital transformation, with artificial intelligence influencing various industries and creating new opportunities for innovation and efficiency [2]. - The report indicates that small and medium-sized manufacturing enterprises are crucial to China's manufacturing landscape, acting as vital components of the supply chain, and their digital transformation is essential for building a modern industrial system [2]. - Successful models of digital transformation have emerged from small and medium-sized enterprises, showcasing the integration of technological and business model innovations to meet new demands and create new supply [2]. Group 3: Research Collaboration - The report was co-authored by the Innovation Development Research Department of the Development Research Center and Siemens (China) Co., Ltd., highlighting a collaborative effort to address the challenges and opportunities in the digital transformation of manufacturing [2][3]. - The release event featured discussions among various experts, including representatives from the China Macro Economy Research Institute and Tsinghua University, indicating a broad interest in the findings of the research [3].

8月13日，第一财经记者从央行获悉，我国市场利率持续保持低位运行，企业与居民融资成本进一步下 行。7月新发放企业贷款利率约3.2%，新发放个人住房贷款利率约3.1%，分别较去年同期下降约45个和 30个基点。 这一态势既反映出信贷供给的充裕性，也为实体经济恢复注入低成本动力。 "利率是资金供求关系的价格信号，利率低位下行恰恰反映信贷供给相对充裕，资金需求方获得银行信 贷支持更加容易、成本更加优惠。"一位市场权威专家对记者说。 利率低位运行 经过2018年以来的多轮降息，我国贷款利率已进入历史低位区间，今年以来下行趋势进一步延续。 近期，多家中小制造业企业向记者反映，过去贷款利率最高达6.5%左右，现在只有过去的一半，这对 企业经营的影响是很大的。同时，融资成本下降对提振预期、扩大需求有积极作用。 利率优惠还成为撬动企业投资的"支点"。一家东部省份科技企业表示，这些年一直想更新设备提升产 能，但因资金成本压力未有行动，银行对其给予20BP的利率优惠之后，企业立即申请贷款用于启动新 生产线、开拓市场。 为保障利率机制顺畅运行，一系列政策举措持续发力：禁止违规手工补息、建立存款招投标利率报备机 制、优化非银同业存款 ...