普惠金融

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个体户无抵押也能贷款,县域小微融资难有了新解法
Hua Xia Shi Bao· 2025-10-13 11:20
近百亩的葡萄种植园,小小的玉石店……无数小微、小小微、个体工商户,组成了产值几十亿、数百亿 元的地方支柱产业。 "我们光工资支出一天就好几千元,再加上土地流转费、肥料农药等,东挪西凑后,资金还是差一大 截。"安徽省灵璧县葡萄种植户汪郁对《华夏时报》记者表示,从申请到放款,短短十来分钟,20万元 贷款就到账了。 传统风控依赖硬指标,以分期乐普惠为代表的行业机构,正以"科技+场景"破局,通过整合多方数据、 开展融合建模与线下核验,精准识别需求与定价,扩大普惠金融服务范围,为县域小微企业打通融资通 路。 秋凉漫进皖北的时候,雨总来得绵密。 清晨7点,记者一行人来到安徽省灵璧县下楼镇。这里的田野被雨丝织成半透明的网,一片片葡萄架在 雨里静立着,空气中混着葡萄的香气,这是皖北秋天最实在的滋味。 汪郁每走几步就停下来,伸手拨开挂在藤蔓上的蓝膜袋,袋子里裹着的"阳光玫瑰"已染上浅琥珀色。这 些葡萄陆陆续续走进盒马鲜生、百果园等全国各地商超的货架,汪郁也随之迎来今年的大丰收。 "刚开始家里的葡萄园只有十来亩,全靠父母两人打理。老父亲走后,我从外地打工回来,接过了这片 园子,把原来的地扩了10倍。"汪郁说道。 从古到今,中国农 ...
礼赞祖国76周年|平安融易持续扎根小微,助力实体经济发展
Sou Hu Cai Jing· 2025-10-11 08:52
七十六载砥砺奋进,中国经济巨轮破浪前行。其中千万小微企业的蓬勃活力,成为托举就业民生、畅通 产业循环的关键力量。时值新中国成立76周年,站在"十四五"规划收官与"十五五"规划启航的历史新起 点,如何精准"滴灌"实体经济,成为一道重要考题。 作为服务实体经济的重要践行者,平安融易以其独有的"AI+O2O"模式作出回应:将服务队伍从"坐 商"变为"行商",并以科技金融,高效灵活赋能小微经济体,用扎实行动书写与国同庆、与民共进的答 卷。 躬身田野:主动走到小微身边,让金融"活水"流向"毛细血管" 服务的广度与深度,是衡量普惠金融成色的关键标尺。平安融易结合自身O2O特点,打破传统被动等候 的"坐商"模式,推动一支专业队伍主动走到田间地头,成为穿梭于城乡之间的金融"活水"。 这一转变核心,在于构建一张线上线下融合的O2O服务网络:在现有传统直销体系基础上,重点孵 化"高产能、高质量、高年资"的"三高"高级客户经理团队。他们的身影不再局限于办公室,而是深入重 点区域和行业以及田间地头,基于对当地产业生态的深刻理解,为小微客户提供面对面、全生命周期的 融资顾问服务。 在山东滨州,肉牛养殖户张先生的故事正是这一模式的生动写 ...
游客涌入古村,村民家门口上班,乡村文旅热解锁就业新地图
Di Yi Cai Jing· 2025-10-08 08:27
乡村振兴如何让"空心村"变为"网红村"? 在这个国庆中秋假期,乡村旅游成为假日消费的新亮点。乡村文旅的爆火开辟了农村就业的新地图,也吸引着越来越多外出打工村民返乡就业创业。 第一财经记者在广东省惠州市罗浮山实地采访时发现,随着广东省环南昆山—罗浮山县镇村高质量发展引领区建设的不断推进,当地通过政企合作、村企 合作、企农合作等方式,探索出助力乡村振兴的新模式和新路径。 罗浮山下"空心村"变成了社交媒体上受游客追捧的"网红村"后,不仅带动了当地村民的就业,更是吸引了一批"洄游青年"和城归族,这些曾在城市学习、 工作,如今选择回归乡村创业就业的群体成为乡村振兴中宝贵的人才"活水"。 在日前国新办举行的高质量完成"十四五"规划系列主题新闻发布会上,农业农村部部长韩俊表示,"十四五"期间,我国建设宜居宜业和美乡村取得新成 效。各地学习运用"千万工程"经验,因地制宜推进乡村产业发展、乡村建设和乡村治理,打造各具特色的宜居宜业和美乡村。 惠州市博罗县徐田村这两年多以来实现了从"空心村"到"网红村"的转变,不仅村民有了实实在在的收益,徐田村还入选了广东省"百千万工程"首批典型 村,成为广东省乡村振兴示范村。 徐田村党总支书记 ...
平安融易 持续扎根小微 多措并举助实体经济发展
Nan Fang Du Shi Bao· 2025-09-29 23:15
作为服务实体经济的重要践行者,平安融易以其特有的"AI+O2O"模式作出回应:将服务队伍从"坐 商"变为"行商",并以科技金融,高效灵活赋能小微经济体,用扎实行动书写与国同庆、与民共进的答 卷。 躬身田野 主动走到小微身边 让金融活水流向毛细血管 平安融易咨询顾问主动走访发现养殖户的需求。 服务的广度与深度,是衡量普惠金融成色的关键标尺。平安融易结合自身O2O特点,打破传统被动等候 的"坐商"模式,推动一支专业队伍主动走到田间地头,成为穿梭于城乡之间的金融"活水"。 这一转变核心,在于构建一张线上线下融合的O2O服务网络:在现有传统直销体系基础上,重点孵 化"高产能、高质量、高年资"的"三高"高级客户经理团队。他们的身影不再局限于办公室,而是深入重 点区域和行业以及田间地头,基于对当地产业生态的深刻理解,为小微客户提供面对面、全生命周期的 融资顾问服务。 在山东滨州,肉牛养殖户张先生的故事正是这一模式的生动写照。面对升级智能化养殖设备却缺乏抵押 物的困境,平安融易的咨询顾问吴艳芬在主动走访中发现了他的需求。通过实地调研,精准采集经营数 据,最终创新性地以应收账款为还款保障,为他提供了50万元的融资支持。资金注 ...
专访贝多广:普惠金融要帮中低收入人群敢消费
Bei Jing Shang Bao· 2025-09-25 05:30
Core Viewpoint - The development of inclusive finance in China has transitioned from basic service provision to a key stage of high-quality development, with a focus on expanding the scope and depth of services beyond just credit to include insurance and wealth management [1][3]. Group 1: Inclusive Finance Ecosystem - The current inclusive finance loan scale has reached 36 trillion yuan, effectively alleviating financing difficulties for certain groups [3]. - There is a growing recognition that the financial needs of vulnerable populations extend beyond credit to include insurance and wealth management services [3]. - The demand for inclusive insurance and wealth management is urgent, with a call for rural residents to have easier access to investment accounts similar to urban counterparts [3]. Group 2: Product Design and Service Provision - A shift from a "product-oriented" approach to a "customer-oriented" approach is necessary to meet the needs of small and micro enterprises and vulnerable groups [4]. - Innovative insurance products, such as a one-yuan-per-day policy that covers multiple risks, have gained popularity among farmers, highlighting the importance of tailored product design [4]. - The development of customer-centric products requires enhanced service capabilities from financial institutions, which is crucial for improving the inclusive finance ecosystem [4]. Group 3: Regulatory and Policy Support - The balance between the expansion of inclusive finance and risk management is critical, with a focus on the quality of services rather than just the quantity of transactions [5]. - Financial health indicators should be used to assess whether services genuinely benefit users, considering factors like debt levels and income [5]. - Regulatory frameworks need to be dynamically adjusted to support product innovation aimed at vulnerable populations, allowing the industry to improve gradually [6]. Group 4: Promoting Consumption - Middle and low-income groups represent significant consumption potential in China, but their effective demand has not been fully realized [7]. - Consumption credit can play a role in stimulating reasonable consumption demand among these groups, especially in the context of economic downturns [7]. - Policies should address both the promotion of consumption finance and the resolution of issues related to debt defaults, creating a positive cycle of consumption, economic growth, and inclusive finance development [7].
CAFI报告建言:构建“共赢”新生态 推动平台经济可持续
Zheng Quan Shi Bao Wang· 2025-09-24 14:29
Core Viewpoint - The report emphasizes the role of platform economy in enhancing inclusive finance, highlighting the need for a stakeholder perspective to ensure sustainable growth in the future [1][3]. Group 1: Digital Payment and Credit Accessibility - The platform economy has significantly advanced digital payment in China, with the usage rate among adults rising from 49% to 89% over the past decade [1]. - The proportion of adults obtaining credit from formal financial institutions increased from 20% to 41% in the same period, driven by technological innovations in digital risk control and alternative data applications [1]. Group 2: Employment and Economic Impact - Platforms have reshaped resource allocation efficiency by reducing transaction costs and enhancing matching efficiency, leading to the online transformation of various economic activities [2]. - The development of platforms has created new job opportunities, improved employment matching efficiency, and integrated employment resources, contributing to rural development and entrepreneurship [2]. Group 3: Financial Well-being and Consumer Focus - The report suggests that the focus should shift from mere accessibility to enhancing consumer financial well-being, particularly in the insurance and wealth management sectors [3]. - It highlights the importance of addressing issues such as data privacy and price discrimination, advocating for a shift towards "suitability" in services provided to consumers [3].
广东省唯一!茂名市跻身全国新一批五个深化普惠金融改革地市
Nan Fang Du Shi Bao· 2025-09-16 14:32
Core Viewpoint - The article highlights the emergence of various green brands in Maoming, Guangdong, which are significantly contributing to the local economy and employment through a robust agricultural industry supported by financial reforms aimed at enhancing inclusive finance [2][9]. Group 1: Agricultural Industry Development - Maoming has established a strong agricultural foundation, with a total agricultural output value projected to reach 120.89 billion yuan in 2024, making it the only city in Guangdong to exceed 100 billion yuan in agricultural output for five consecutive years [2][3]. - The city has developed a full industrial chain around its key products, including lychee and Huaju Hong, with the total output value of the specialty agricultural industry exceeding 53 billion yuan, creating job opportunities for over 600,000 people [3][6]. Group 2: Financial Support and Innovation - The introduction of various financial products such as "Lychee Loan," "Huaju Hong Loan," and "Tilapia Loan" has addressed the urgent financing needs of farmers and small businesses, enabling them to expand operations and improve productivity [3][5]. - The recent guidance from seven ministries emphasizes the need for financial institutions to enhance their services in rural areas, focusing on supporting Maoming's advantageous agricultural industries and new agricultural business models [6][9]. Group 3: Policy Framework and Implementation - The "Guiding Opinions" issued by the People's Bank of China and other ministries outline nine key tasks for deepening inclusive finance reforms in Maoming, providing a roadmap for enhancing financial services in agriculture and rural areas [6][7]. - The policy encourages the development of a comprehensive insurance product system and the inclusion of various agricultural assets as collateral to facilitate financing for farmers and agricultural enterprises [7][8]. Group 4: Future Prospects - Maoming's selection as one of the new pilot cities for inclusive finance reform signifies both an honor and a responsibility, aiming to enhance financial services and support the goal of common prosperity for all [9][10]. - The ongoing reforms are expected to provide new momentum for high-quality development in Guangdong's rural areas, positioning Maoming as a model for agricultural revitalization across the country [10].
7月份普惠金融-景气指数上升
Zhong Guo Jing Ji Wang· 2025-08-20 08:20
Core Insights - The Inclusive Finance Prosperity Index for July reached 49.28 points, indicating a positive trend in enterprise operations and improved market supply-demand dynamics [1] - Financing conditions continue to improve, with the financing prosperity index at 54.88 points, reflecting a rise in financial institutions' support for the real economy [1] Financing Conditions - The balance of inclusive microloans reached 35.05 trillion yuan, showing a year-on-year growth of 11.8% [1] - The new corporate loan interest rate was approximately 3.2%, down about 45 basis points year-on-year, indicating a decrease in overall financing costs [1] Business Operations - The business prosperity index for July was 48.18 points, showing a slight increase, driven by improved consumer sentiment during the summer consumption peak [1] - The vitality index for small and micro enterprises rose by 0.40 points, suggesting enhanced development confidence among these businesses [1] Industry Performance - Among nine major industries, six saw an increase in their business prosperity index, while three experienced a decline [2] - The industrial sector showed growth, particularly in manufacturing, while the accommodation and catering sectors benefited from summer tourism [2] - The construction industry also saw an uptick due to policies stimulating the real estate market [2] Regional Performance - Out of seven major regions, four reported an increase in their business prosperity index, with notable improvements in North China, East China, Central China, and Northwest China [2] - Conversely, Northeast, South China, and Southwest regions experienced declines in their indices [2]
穿越波动 寻找驱动消费行业增长的长期力量
Shang Hai Zheng Quan Bao· 2025-07-13 14:22
Core Viewpoint - The A-share market is experiencing structural differentiation amid a steady domestic economic recovery and external uncertainties, with a shift from trend speculation to valuation and return matching [2] Group 1: Market Environment - The A-share market is navigating through fluctuations with ongoing internal and external disturbances, including geopolitical tensions and global capital reallocation [2] - The consumer sector is in a complex recovery phase, with some categories showing signs of marginal recovery while others face performance and valuation rebalancing due to reduced policy support [2] Group 2: Investment Strategies - The focus is on "profit-driven, value investment" principles, emphasizing the balance between growth and valuation, as well as risk and drawdown management [2] - Investment strategies will prioritize consumer companies with robust fundamentals, strong cash flow, and sustainable business models, while maintaining flexibility to adapt to potential policy impacts and macroeconomic fluctuations [2] Group 3: Long-term Investment Themes - Emerging consumer categories are expanding, driven by brand power and changes in consumer demographics and channels, with opportunities in beauty, small appliances, personal care, and functional foods [3] - The globalization of domestic brands continues, with Chinese brands leveraging local supply chains and cost advantages to penetrate global markets, particularly in IP, tea, food, and 3C electronics [3] - The revaluation of dividend assets is becoming significant, with high ROE, stable dividends, and strong free cash flow consumer companies attracting more capital, indicating a shift towards return-focused investment [4] Group 4: Future Outlook - Despite cyclical disturbances in the consumer industry in the second half of 2025, structural, differentiated, and long-term opportunities are emerging [4] - The approach will remain research-driven, focusing on industry trends and company fundamentals to select high-quality companies capable of navigating cycles and delivering sustainable long-term returns [4]
聚焦金融“五篇大文章” 上海金融法院发布重磅文件和典型案例
Zheng Quan Shi Bao Wang· 2025-06-30 13:40
Core Viewpoint - The Shanghai Financial Court introduced the "Several Opinions on Serving and Guaranteeing the Development of Financial 'Five Major Articles'" to enhance judicial support for financial development, focusing on specific measures for various financial sectors [1][4]. Group 1: Overall Requirements - The "Several Opinions" consist of three main parts: overall requirements, specific measures, and supporting guarantees, totaling 18 articles [1]. - The document emphasizes the need to elevate judicial support capabilities, particularly in the technology finance sector, by improving the special trial mechanism for the Sci-Tech Innovation Board [1][6]. Group 2: Specific Measures - The "Several Opinions" outline specific measures for five financial sectors: technology finance, green finance, inclusive finance, pension finance, and digital finance, detailing 35 types of new financial dispute adjudication concepts and 21 actionable judicial support mechanisms [4][6]. - In technology finance, the focus is on enhancing the special trial mechanism for the Sci-Tech Innovation Board and streamlining loss assessment procedures for third-party institutions [1][6]. - In green finance, collaboration with the Shanghai Environment Energy Exchange is planned to explore new carbon trading models, ensuring maximum value realization of carbon trading products [7]. - For inclusive finance, mechanisms to incentivize trust and credit repair will be established to support small and micro enterprises in obtaining loans [7]. Group 3: Supporting Guarantees - The "Several Opinions" stress the need to improve financial trial execution mechanisms, support temporary arbitration, and enhance execution collaboration to create an optimal international financial dispute resolution environment [8]. - The document aims to balance financial innovation with risk prevention through regular publication of typical financial cases and legal risk prevention reports [8]. - It also emphasizes the importance of cultivating financial trial talent to build a highland of composite financial trial professionals [8]. Group 4: Typical Cases - Ten typical cases were released, reflecting potential risk issues in the development of the financial "Five Major Articles," particularly in technology finance where financing difficulties exist due to stringent buyback obligations [9][10]. - The cases illustrate the integration of political, legal, and social effects, showcasing innovative dispute resolution models in green finance [10].