江苏银行坚持金融为民初心，线上为淘宝、京东等平台的"苏品苏货"专区加大资源投入，全面升级促消费活动；线下江苏银行持续打造"苏品苏货"专属活 动，双十二期间加大支持，以精准导流、金融资源投入等方式，精准助力"苏品苏货"优质商品走进千家万户。 政银企携手，助力大宗消费升级。 江苏银行积极参与省商务厅开展的"汽车焕新"五走进活动，创新"金融+消费"服务模式，提供一站式购车方案、专属金融产品及千元购车礼包。双十二期 间，将围绕"汽车焕新"开展专场促消费活动，助力政银企协同推动消费升级。 加大投入，全场景抢抓双十二消费热潮 江苏银行聚焦餐饮、3C数码、家电等重点消费领域，以消费补贴、支付优惠等多种形式，助力提振消费，迎接即将到来的双十二等消费节，实实在在地让 利于民，促消费惠民生。 流量借势，为"苏品苏货"销售添增量 活动加码，发挥促消费杠杆效应 "加油江苏"有奖发票活动上线以来，江苏银行联合头部成品油公司推出站点开票激励政策，发布消费券使用攻略，带动活动参与度与数据规模双提升。"促 消费"是今年的关键词，江苏银行再次以实际行动、实在投入、实用活动，以"金融+非金融"的组合拳，为拉动内需、提振消费赋能，服务社会民生。 ...

"围绕专精特新企业和高成长性、初创型企业，我们持续加大普惠金融支持力度，既拓面也聚焦，左手 是'金融工具包'、右手是'企业诉求单'，两者精准匹配才能'1+1大于2'。"龙华区金融协会相关负责人介 绍道，在累计为3.1万余家企业主体提供1600亿元授信支持基础上，本次大会由"金融银团"发布"千亿元 授信+专属金融产品+优惠贷款利率"矩阵服务，面向瞪羚企业、独角兽企业、专精特新、小巨人企业、 制造业单项冠军、隐形冠军等不同发展阶段、不同行业特征各类市场主体，量身定制个性化金融服务。 本次大会深担农银龙华AIC基金完成了首批意向投资项目签约，实现了"官宣即运作"。据了解，首批签 约项目包括昂湃技术、圭华智能、精泰达等聚焦液冷散热、精密激光装备、自动化测试设备赛道的辖区 优质拟上市企业。 【深圳商报讯】(首席记者谢惠茜)12月9日，龙华区在国际合作中心召开产融结合高质量发展大会，集 中发布一批标志性产融结合成果。 尤为引人瞩目的是，龙华区官宣落地百亿级战新产业（300832）基金集群，里面规模最大的两支基金总 规模均为20亿元，分别为深资本建信龙华AIC基金和深担农银龙华AIC基金。记者在现场了解到，该基 金集群将重 ...

Core Viewpoint - Tianjin has launched a comprehensive financial innovation plan aimed at supporting technological and industrial innovation, with specific targets set for 2027 [1][2] Group 1: Financial Goals and Targets - The plan aims to exceed a scale of 200 billion yuan for the science and technology innovation fund and achieve a balance of 1.1 trillion yuan in technology loans by 2027 [1] - The initiative also seeks to establish over 100 specialized financial service institutions focused on technology finance [1] - It is projected that the scale of strategic emerging industries will surpass 1 trillion yuan [1] Group 2: Key Focus Areas - The plan emphasizes three main areas: demonstration leadership, ecological co-construction, and combination and layering of financial services [1] - It aims to create an open policy matrix supported by venture capital, capital markets, and mergers and acquisitions [1] - The initiative will leverage key innovation parks like Tianjin Kaiyuan Park to foster deep integration of technology and finance [2] Group 3: Specific Measures and Implementation - The plan outlines five main tasks with 15 major items and 45 sub-items, focusing on the entire lifecycle needs of technology enterprises [2] - For early-stage companies, a comprehensive equity investment system will be established to address early financing challenges [2] - For mature companies, the focus will be on building a listing cultivation team and providing integrated financial services such as listing financing and merger financing [2] Group 4: Pilot Programs and Ecosystem Optimization - Tianjin will use key innovation parks as pilot areas to implement policies and create a demonstration zone for technology finance [2] - The initiative includes establishing a unified financial service platform and improving supply-demand matching mechanisms [2] - The goal is to provide a full lifecycle, multi-faceted financial service to promote deep collaboration between finance and the entire industrial chain [2]

Core Insights - The eighth China International Import Expo (CIIE) highlighted the growing importance of the silver economy, health and wellness industry, and elder financial services, with KPMG China launching its inaugural "Health and Wellness 50" project evaluation [1] Group 1: Industry Trends - The domestic health and wellness industry is characterized by strong policy support, diverse and personalized demand, significant technological empowerment, competitive participation from multiple entities, and localization of international experiences [1] - The health and wellness sector is expected to transition from "elderly services" to "lifecycle health management," evolving from "single services" to an "ecosystem" approach [1] - The industry will increasingly break the narrow perception of being "elderly-exclusive," expanding to encompass health status, sub-health, and end-of-life care across the entire lifecycle [1] Group 2: Economic Challenges - The aging population presents both challenges and opportunities for the health and wellness and elder financial services sectors, with significant barriers to silver consumption, such as preventive savings, supply-demand mismatches, and consumption environment obstacles [2] - Elderly individuals exhibit a high preventive savings tendency, with a savings rate of 61%, nearly double that of the general population, indicating a strong inclination towards precautionary savings [2] Group 3: Solutions and Innovations - To address the high preventive savings and reluctance to consume, it is essential to establish a "safety support system" for the elderly, enhancing social security and expanding long-term care insurance trials [2] - Financial innovation is needed to reduce reliance on savings, introducing specialized financial products that combine "pension security and moderate consumption," and exploring diverse funding channels for elder care, such as "reverse mortgages" and "pension wealth management" [2] - The supply side must shift from "mass production" to "precise customization," with companies needing to conduct in-depth research on the real needs of the elderly [3] - There is a need to break the misconception that "silver consumption is low-end consumption," providing tiered offerings for different income levels among the elderly, including affordable products and high-end services like customized wellness tourism and professional chronic disease management plans [3]

Core Insights - China Bank is building a new ecosystem for high-quality economic development in Central China through comprehensive financial services that facilitate mutual engagement between banks and enterprises [1] Group 1: Financing Solutions for Small and Micro Enterprises - Small and micro enterprises are crucial for employment stability and livelihood protection, yet they face challenges such as high costs and slow financing [1] - China Bank has introduced a series of specialized financial products tailored to the unique needs of small and micro enterprises, addressing their asset-light and collateral-deficient characteristics [1] - A high-tech enterprise in Zhengzhou received expedited loan approval within a week due to China Bank's green approval channel, significantly reducing the typical financing time from about one month [1] Group 2: Reshaping Credit Logic - Traditional credit assessment methods are inadequate for technology companies, which often have light assets and long R&D cycles [2] - China Bank has shifted its credit evaluation focus from historical financial metrics to assessing industry potential, technology, and team capabilities, effectively turning "soft assets" like intellectual property into "hard currency" for financing [2] - A 3D technology company leveraged patent pledge loans from China Bank to alleviate cash flow pressures, enabling successful product entry into high-end manufacturing and increasing its patent portfolio [2] Group 3: Empowering Specialty Industries - Local resources are being harnessed to transform small specialty products into significant industries, aligning industrial upgrades with rural revitalization [3] - In Nanzhao County, Henan, the carbon calcium industry is thriving, supported by China Bank's innovative "Silver Tax Loan" product, which offers unsecured credit based on tax payments [3] - The development of the calcium powder industry cluster has become a major economic driver for Nanzhao County, showcasing the transformation of small specialties into large-scale industries [3]

Core Viewpoint - The People's Bank of China and the Ministry of Agriculture and Rural Affairs have jointly issued opinions to enhance financial services for rural reform and promote comprehensive rural revitalization, focusing on increasing financial resource input in key areas of rural revitalization [1][2]. Group 1: Financial Support for Agriculture - The opinions emphasize enhancing financial security for food safety by increasing credit resources for major grain-producing areas and counties [1]. - There is a focus on deepening financial services for high-standard farmland and agricultural water conservancy construction, as well as supporting the development of new agricultural productivity [1]. - The initiative aims to broaden mortgage and guarantee methods, innovate financing models for local specialties, and promote tailored financial products [1]. Group 2: Rural Infrastructure and Public Services - The plan includes improving financial service levels for rural construction through diversified financing solutions such as project bundling and syndicate loans [1]. - It supports the extension of infrastructure and public services to rural areas, providing comprehensive financing services like bond financing, equity investment, and leasing [1]. Group 3: Mechanisms for Rural Financial Reform - The opinions call for establishing management systems for the certification and mortgage registration of agricultural facilities and livestock to expand mortgage financing coverage [2]. - It highlights the use of risk compensation, loan interest subsidies, and incentive rewards to enhance financing for various agricultural operators [2]. - The People's Bank of China plans to strengthen collaboration with relevant departments to innovate investment and financing mechanisms for rural revitalization [2].

一方面，建立完善的风险评估体系，综合运用大数据、人工智能等技术，多维度分析企业发展中的风险 隐患；另一方面，与保险、担保等机构合作，构建风险分担机制，共同抵御风险。此外，银行还应关注 企业经营动态，及时为企业提供风险预警和应对建议，帮助企业稳健发展。 未来，随着人工智能等技术与金融加速融合，银行需持续深化创新，不断提升服务水平，为科技型企业 发展提供更全面、优质、高效的金融支持，从而实现自身业务升级与服务国家战略的双赢，为我国在全 球科技竞争中突围贡献金融力量。 （文章来源：证券日报） 在产品创新方面，银行应针对科技型企业轻资产、重研发、高风险、高回报特点，开发专属金融产品。 通过综合评估企业研发能力、知识产权、市场前景等非财务因素，为缺乏抵押物的科技型企业提供资金 支持；将企业专利、商标等知识产权转化为融资资本，有效盘活企业无形资产；以人才价值为信用依据 发放贷款，助企吸引和留住高端人才。这些创新产品可拓宽科技型企业融资渠道，满足其不同发展阶段 资金需求。 在融资成本优化与服务效率提升方面，银行应积极响应国家政策，合理定价贷款产品，推动贷款利率下 行。同时，通过优化业务流程，减少不必要的中间环节和收费项目， ...