另悉，2025年，全国法院受理保险纠纷39.2万件，同比增长21.3%。各地法院通过多元化解纷、发布示 范判决等方式，依法维护保险消费者合法权益。如北京朝阳法院发布保险纠纷审判白皮书，为保险行业 健康规范发展提供司法指引。 （文章来源：中国经营报） 在助力绿色金融方面，上海金融法院、南京中院、杭州中院、合肥中院、苏州中院依托长三角金融司法 合作机制，共同发布《以高水平金融司法厚植高质量发展绿色底色的倡议》，引导金融"活水"流向绿色 领域。 在助力普惠金融方面，全国法院持续抓好最高法院2号、4号司法建议的落实，坚持金融服务实体经济理 念，强化金融消费者权利保障，普惠金融纠纷源头治理、多元化解成效明显。2025年，司法建议对应的 信用卡纠纷、保证保险纠纷增幅分别低于民商事案件增幅10%、13%。广西高院针对脱贫人口小额信贷 涉诉情况开展专门调研，分析引发纠纷的因素、涉诉风险情况等，向金融机构提出工作建议及对策。 在助力养老金融方面，着力提升适老化司法服务保障水平，重点审查金融机构金融产品销售的"适当性 义务"，以温情司法守护"银发人生"。上海金融法院审理的一起涉八旬老人理财案件，明确银行对违法 销售人员的管理责任 ...

春节将至，年味渐浓。河北邯郸广平县十里铺镇明显热闹了起来，外地牌照的车辆渐渐多了，在外务工 了一年的游子们陆续回到家乡。集镇上每天七八点便开始聚人，置办年货的人络绎不绝，烟酒、糖果、 干货各类商品销售火爆．．．．．． 人气回来了，小镇老板们迎来了一年中最重要的销售窗口。要抓住过年前后一个多月的销售黄金期，他 们必须提前投入大量资金备足年货、补充库存，不少人也会因此面临短期周转压力。如何在旺季来临前 备足货，成为小镇老板们绕不开的问题。深耕县域小微的分期乐普惠聚焦小老板们的核心痛点，通过贴 近经营实际的普惠金融支持，帮助小镇老板们缓解旺季备货用钱压力，稳住了年关生意节奏。 过年旺季生意火爆，小镇老板面临周转考验 93年出生的许强（化名），是邯郸市广平县十里铺镇本地人。早几年前，从父母手中接下了自家烟酒门 市的生意。经过七八年的打拼，如今许强手上的生意变成了两家烟酒店和一家早餐店，分布在镇上不同 位置，除了夫妻二人常年在店里忙碌之外，还请了十多个人在店里帮忙。 本地人服务本地用户，秒批28万元额度解难题 转机很快到来。分期乐普惠当地的服务经理小闫的姐姐在十里铺镇上做生意，跟许强是邻居。小闫与许 强两人互有微信，平 ...

积极探索可用于担保的抵（质）押品范围，进一步提升贷款可得性，实际上对金融机构提出了两方面要 求和考验，一是风险识别，二是完善抵押物处置机制。 以往，"小农经济"生产方式下的农业生产周期较短，但在农业产业化发展的趋势下，农业生产投入周期 和见效周期拉长，需要银行机构改变短期化、固定化的产品设计，匹配农业产业化规模大、周期长的资 金需求，提供定制化金融服务。 因此，仅靠传统抵押方式将不再有效满足需求，而供应链金融将有更大的发展空间，农业设施和畜禽活 体抵押则为适应这一趋势提供了路径，有望破解制约农业产业规模扩大的资金瓶颈。 数字技术的运用，则为普惠金融创新提供了适时而必要的技术支持。物联网、电子围栏、生物识别、区 块链等智能化技术，成为银行机构抵押资产管理的重要手段。更为重要的是，数字技术驱动使得农业设 施和畜禽活体抵押大规模推广有了可行性，能够真正实现在押资产作价评估、风险评估模型创新和押品 实时监测。 2月3日，《中共中央 国务院关于锚定农业农村现代化 扎实推进乡村全面振兴的意见》（以下简称《意 见》）提出，努力把农业建成现代化大产业，推动金融机构加大对农业农村领域资金投放。 随着乡村全面振兴战略的推进，我国 ...

（来源：沂蒙金融） 2026年2月5日，临沂市人大常委会召开新闻发布会，介绍《临沂市普惠金融服务乡村振兴促进条例》，并回答记者提问。 发布人 韩纪伦市人大常委会委员、市人大法制委员会主任委员，常委会法工委主任 刘文秀市委金融办副主任、市地方金融管理局副局长 邵泽玉市司法局四级调研员 王 玮人民银行临沂市分行党委委员、副行长 《临沂市普惠金融服务乡村振兴促进条例》的立法背景。 邵泽玉（市司法局四级调研员）： 下面，我就《临沂市普惠金融服务乡村振兴促进条例》立法的必要性和审查过程，向大家作简要介绍。 一、制定条例的必要性 2020年9月，经国务院同意，临沂市成为全国首个服务乡村振兴战略的国家级普惠金融改革试验区。2023年12月，中国人民银行将临沂市普惠金融服务乡 村振兴改革试验区试点期限延长至5年。为深化临沂金改试验区试点期限延期期间试验区建设，有必要将试验区前期形成的系列改革创新成果固化为国内 首部普惠金融服务乡村振兴地方性法规，进一步支持临沂普惠金融高质量发展，推进乡村振兴，助力共同富裕。 二、审查过程 根据立法工作计划，市地方金融管理局起草了《临沂市普惠金融服务乡村振兴促进条例（草案送审稿）》。市司法局严 ...

齐鲁晚报.齐鲁壹点李其峰 同时，条例强调数字化赋能与风险防控，推动金融数据与公共数据互联共享，健全政府性融资担保体系和金融风险监测化解机制，营造健康可持续的乡村 金融生态。 该条例的实施，标志着临沂在构建"资源聚集、服务精准、风险可控、持续发展"的乡村振兴金融服务体系方面迈出关键一步，为打造普惠金融助力乡村振 兴的"临沂模式"提供坚实法治保障。 据了解，条例共二十六条，第1-6条，规定了条例的立法目的、依据、适用范围、立法原则、政府及部门职责和宣传等内容。第7-10条，规定了扩大金融 服务覆盖面、创新普惠金融产品、优化信贷结构、加大涉农企业金融支持等内容。第11-21条，规定了金融支持村庄规划、美德信用贷款、农村人才贷 款、生态价值转化、科技金融、养老金融、供应链金融、涉农资产抵押贷款、涉农企业直接融资、政府性融资担保、农业保险等内容。第22-25条，规定 了普惠金融数字化应用、统计指标体系、激励措施、金融风险防范化解机制等内容。第26条，规定了条例的施行时间。 条例立足临沂市实际，围绕普惠金融服务乡村振兴工作中的热点、难点问题进行制度设计，注重将临沂国家级普惠金融服务乡村振兴改革试验区的成熟经 验固化为制度 ...

随着社会信用体系建设工作的纵深推进，"信用+融资"场景的核心逻辑逐渐演变为以多维信用数据为核心依据，重构融资准入、授信、风控的全流程，形 成"信用数据归集-信用评价- 信用赋能融资-动态信用风控-信用奖惩闭环"的一体化体系，全链条流程围绕事前准入建信、事中授信用信、事后风控管信三 大阶段展开，每个阶段均明确融资对象适配性、授信方式选择、风控核心动作，各环节环环相扣、信用数据全程穿透。 "信用+融资"的服务对象中小微企业、科创企业、农户/新型农业经营主体、个体工商户等不同类型经营主体为主，存在缺抵质押、缺财务报表、融资需求 小额高频等问题，在信用数据维度、授信优先级别、风控重点等方面也有显著差异。 因此各地根据实际禀赋探索推进，涌现出一批体现当地形势的落地场景及创新案例，有望成为普惠金融落地的范本。 "信用+融资"地方案例 借款人基于自身信用状况（如还款能力、历史记录）向金融机构或交易对手获取资金，承诺未来还本付息的行为，其本质是以信用替代抵押，解决信息不 对称问题，适用于个人和企业，这是信用融资基础概念。 浙江省杭州市作为国家级科创金融改革试验区，集聚了大量轻资产、重知识产权的科创企业，普遍面临"信用评估难、 ...

Core Insights - The "Bi Hui Loan" initiative has successfully provided financial support to small businesses in Bijie City, with a total of 3,417 financing requests fulfilled and a total financing amount of 4.354 billion yuan by the end of 2025 [1] - The rapid establishment of the quartz product processing project by Guizhou Wusu Technology Co., Ltd. demonstrates the effectiveness of the "green channel" for project implementation in Qiandongnan, allowing for quick decision-making and execution [2] - The growth of Guizhou Bawei Feng Agricultural Development Co., Ltd. is supported by the timely guidance from the Huaxi District Market Supervision Bureau, which helped the company quickly obtain a food production license [3] - Guizhou Lishizhen Herbal Medicine Co., Ltd. has established two production bases in less than two years, benefiting from strong government support and a favorable business environment in the Wudang District [4] - The total number of business entities in Guizhou Province has increased from 3.8871 million at the end of 2021 to 4.841 million by the end of 2025, indicating both quantitative and qualitative growth in the business environment [5] Group 1 - The "Bi Hui Loan" initiative has provided significant financial support to small businesses, fulfilling 3,417 financing requests and totaling 4.354 billion yuan by the end of 2025 [1] - The quartz product processing project by Guizhou Wusu Technology Co., Ltd. was established rapidly due to effective project implementation processes [2] - Guizhou Bawei Feng Agricultural Development Co., Ltd. benefited from the guidance of the Huaxi District Market Supervision Bureau, enabling quick acquisition of necessary licenses [3] Group 2 - Guizhou Lishizhen Herbal Medicine Co., Ltd. has established two production bases in a short time, supported by government initiatives and a conducive business environment [4] - The number of business entities in Guizhou has significantly increased, reflecting improvements in the business ecosystem and support for enterprise growth [5]

Core Insights - Ant Group's CEO, Han Xinyi, emphasized that inclusivity has always been a core value for the company, evolving from mobile payments to inclusive finance and now extending into the healthcare sector [1][2] User Engagement - Ant Group's health service platform, Ant Fu, experiences over 10 million health consultations daily and has more than 30 million monthly users [3][5] - Among Ant Fu's users, 55% are from lower-tier cities (third to fifth tier), and one-third of the users are elderly [3][5] Future Business Strategy - The company prioritizes user feedback and industry response over mere numerical growth and scale [3][5] - Ant Group has committed to providing its basic health Q&A service for free since its inception, with future business designs focusing on affordability to ensure accessibility for all [3][5]

Core Insights - The Inclusive Finance Prosperity Index for December 2025 reached 49.48 points, an increase of 0.12 points from November, and 0.61 points higher than the same period last year, indicating effective financial support for small and micro enterprises [1] Financing Conditions - The financing prosperity index in December was 54.82 points, a slight decrease of 0.01 points from November, with sustained growth in credit scale and historically low financing costs [2] - In 2025, new loans totaled 16.27 trillion yuan, reflecting the effectiveness of moderately loose monetary policy, with significant growth in loans to key sectors such as technology, green finance, inclusive finance, elderly care, and digital economy [2] Business Conditions - The business prosperity index rose to 48.44 points in December, up 0.16 points from November, with manufacturing and non-manufacturing PMIs indicating expansion, enhancing operational vitality for small and micro enterprises [3] - The consumer price index increased by 0.8% year-on-year in December, improving corporate profit expectations and boosting market confidence [3] Industry Performance - Among nine major industries, six showed an increase in business prosperity while three declined in December, with strong demand in agriculture and transportation sectors, and seasonal growth in community services and maintenance [4] - The real estate sector also saw some improvement, while industrial, construction, and wholesale retail sectors experienced declines [4] Regional Performance - The regional business prosperity index showed three regions with increases and four with declines, with Northeast, South China, and Southwest regions improving, while North China, East China, Central China, and Northwest regions saw decreases [5]

Core Viewpoint - The Shanghai Municipal Committee emphasizes enhancing financial services for the real economy, focusing on the development of technology finance and green finance, as well as improving financial inclusivity and innovation in financial products [1] Group 1: Financial Services for Real Economy - The proposal highlights the need to improve financial services for the real economy, particularly through the development of technology finance [1] - It supports early, small, long-term, and hard technology investments by equity investment institutions [1] - The initiative aims to promote the development of the Sci-Tech Innovation Board and "technology board" in the bond market, as well as innovations in technology credit and insurance [1] Group 2: Support for Investment Funds - The plan encourages the development of market-oriented merger and acquisition funds, corporate venture capital funds, and foreign venture capital funds [1] - It aims to enhance the pricing mechanism and exit channels for equity investment transactions [1] - A comprehensive, diversified, and relay-style technology financial service system is to be constructed [1] Group 3: Green Finance Development - The proposal calls for accelerating the development of green finance and enriching carbon trading products [1] - It emphasizes the optimization of the green finance standard system [1] Group 4: Financial Inclusivity - The initiative focuses on actively developing inclusive finance to address the financing difficulties and high costs faced by small and medium-sized enterprises [1] - It aims to improve support policies such as financing guarantees, loan interest subsidies, and risk compensation [1] - Increased support for first-time and renewed loans is also a priority [1] Group 5: Pension and Digital Finance - The plan emphasizes the development of diversified pension financial products and enhancing financial services for the elderly [1] - It promotes innovation in digital finance, including the deepening of digital RMB applications and advancements in digital credit, asset management technology, and intelligent investment advisory [1] - The goal is to create a new type of intelligent asset management service platform and accelerate the development of financial technology [1]