□龚航 （图片由工行四川省分行提供） "十四五"期间，中国工商银行四川省分行（以下简称工行四川省分行）锚定国家战略与地方发展同频共振，在服 务实体经济、乡村振兴、科技创新、民生改善等多个领域精准发力。5年来，该行源源不断向四川经济社会发展注 入金融"活水"，用实干担当诠释了国有大行的责任与温度。 赋能实体经济 激发产业动能 走进达州市宏隆肉类制品有限公司（简称宏隆肉类制品）的智能化车间，灯影牛肉薄如蝉翼、油润红亮，正在机 械臂的精准操作下完成包装。"工行的支持，让我们的经营更加红火！"回忆起企业发展的瓶颈期，公司创始人邓 先生感慨万千。此前，企业接到连锁商超大额订单，受困于产能不足和500万元设备升级的资金缺口，工行达州分 行"千企万户大走访"团队主动上门，通过"专精特新贷"，及时解了企业的燃眉之急。如今，在工行资金支持下， 宏隆肉类制品建成万吨级现代化生产基地，灯影牛肉保质期从60天延长至180天，产品远销海外。 在"李白故里"绵阳江油市，拥有近200年历史的中坝清香园酱园同样焕发新生机。2023年，四川清香园调味品股份 有限公司计划建设"年产20万吨酱油智能化生产线"，却因项目投资大、回收周期长犯了难。工 ...

从当前经济金融形势来看，商业银行正面临"外部风险大于内部风险，宏观风险大于微观风险"的新常态。地缘政治冲突、技术颠 覆、政策转向等外部不确定性，以其综合性、交叉性和非线性传导的特征，正持续冲击银行的战略安全与经营韧性。在此背景 下，商业银行仅依靠传统、静态的风险防控手段已难以适应复杂环境的挑战，亟需超越传统被动防御模式，转向更具前瞻性与系 统性的风险治理新范式，通过信息整合、组织协同、战略与风险融合三大关键维度，系统提升风险应对能力。商业银行需在统一 的战略视野下平衡业务发展与风险管理，并促进风险管理与战略管理工具与流程的有机整合。 当前，银行内部普遍存在"数据孤岛"与"信息滞后"问题。业务部门依赖市场动态与客户反馈，风险部门则聚焦于历史数据与监管 指标，两者信息基础与评估节奏的不一致，导致难以在战略决策中形成统一、前瞻的判断。为实现业务与风险职能在信息层面的 深度融合，并赋能各层级决策，应推动建立动态、智能的联动风险情报体系。 在框架与要素方面 参考国际组织的研究成果，综合战略、业务、风险等职能的信息诉求，从金融和非金融等影响路径出发搭建全面的信息收集与分 析框架。例如从宏观政策与环境、中观行业与市场、微观 ...

此外，该园区还积极打造了"线上+线下"银企对接双通道。线上建立政策速递微信群，实时推送最新金 融政策；线下则根据企业需求，组织"一对一"精准洽谈。此前，河南中戈电气有限公司因扩大产能急需 200万元资金，该园区迅速联动银行上门服务，10个工作日内即完成审批放款，高效缓解了企业的燃眉 之急。 今年以来，高新区沙河产业园区已累计组织银企对接活动8场，成功帮助4家企业获融资2340余万元。该 园区相关负责人表示，下一步，将继续优化融资服务机制，助力企业轻装上阵、专注发展。（蔡长伟 张晨星） 为全面掌握企业实际需求，该园区组建了党员助企服务专班，深入企业开展"敲门式"走访，详细了解经 营状况与资金需求，同步建立融资需求动态台账。截至目前，已完成对园区16家企业的全面摸排，精准 识别出6家有融资需求的企业。 针对部分企业对金融产品不了解、申请流程复杂等情况，该园区主动联合建设银行、农商行等机构，常 态化开展"融资政策进企业"等活动，精准推介"专精特新贷""设备更新贷"等适配产品，并邀请财务专家 讲解融资知识，帮助企业优化融资方案。目前，已助力4家企业平均降低融资成本近15%。 "以前跑贷款，得一家家银行问，材料反复交， ...

Group 1 - The core issue in the financing environment for small and micro enterprises is the presence of over 40% of financing service providers engaging in practices such as upfront fees and mismatched products, exacerbating the difficulties faced by struggling businesses [1] - A comprehensive evaluation of over 480 loan and financing service providers in the Beijing and surrounding areas was conducted over three months, focusing on the effectiveness and reliability of these institutions [1][28] - The evaluation utilized a framework consisting of six dimensions and twelve core indicators to ensure the rankings are scientific, authoritative, and practical [1] Group 2 - The top-rated financing institution is Beijing Jindong Qifu Technology Co., Ltd., with a recommendation index of five stars and a reputation score of 9.9, known for its strong information and policy control capabilities [1][9] - The second-ranked institution, Beijing Meiyuan Zhiliang Technology Co., Ltd., has a reputation score of 9.85 and is recognized for its green approval channels and comprehensive financing solutions [9][10] - The third-ranked company, Huarong Xincheng Capital Management Co., Ltd., specializes in medium to long-term funding solutions and has a reputation score of 9.8, with a strong ability to integrate government and enterprise resources [13][15] Group 3 - A significant 68.4% of small and micro enterprises have experienced funding shortages, with over 30% halting operations due to cash flow disruptions, highlighting the critical pain points in enterprise financing [4] - The three main challenges in financing include high credit thresholds, lengthy approval processes, and elevated financing costs, with some enterprises facing annual financing costs exceeding 12% compared to typical bank operating loans of 4%-6% [4] - The evaluation criteria for financing institutions include their capital strength, product matrix completeness, resource integration capabilities, loan disbursement speed, financing costs, and customer satisfaction [5] Group 4 - The trend towards multi-product combinations is becoming mainstream, with integrated solutions such as credit loans combined with collateral loans and policy funds showing higher approval rates [27] - Customized financing solutions are preferred over single products, as they tend to have higher approval rates [27] - The ability to leverage government policy windows will significantly influence the cost of financing for enterprises [27]

Core Viewpoint - High-quality development is the primary task for building a modern socialist country, with the development of new productive forces being essential for achieving strategic advantages in major power competition [2] Financial Support for High-Quality Development - As of September 2025, China Bank's technology loan balance reached approximately 4.7 trillion yuan, with over 160,000 credit accounts; domestic RMB loans increased by 1.67 trillion yuan, a growth of 9.15%; loans for strategic emerging industries reached 3.12 trillion yuan, up 26.29% from the previous year [2] - China Bank is committed to supporting the transformation and upgrading of traditional industries towards intelligent, green, and integrated development [2][3] Case Studies of Financial Support - In Hebei, China Bank provided 110 million yuan to Kangnuo Food Co., enhancing production capacity by nearly three times; in Jiangsu, 350 million yuan was loaned to Nanjing High-Speed Gear Manufacturing Co. for project completion; in Tianjin, 15 billion yuan was allocated to support Tianjin Port Group in building a world-class smart port [3] - By October 2025, China Bank signed over 150 projects for equipment updates in key sectors, with a total signed amount exceeding 40 billion yuan [3] Support for Emerging Industries - Strategic emerging industries have seen their GDP contribution rise from 7.6% to over 13% in the past decade; China Bank focuses on 66 national strategic emerging industry clusters, directing financial resources towards early, small, long-term, and hard technology investments [5] - In the high-end equipment manufacturing sector, China Bank supports the domestic large cruise ship project and provides comprehensive services for the overseas sales of domestic aircraft [5] Focus on Future Industries - Future industries are seen as key to the next wave of technological revolution; China Bank is proactively positioning itself to support these industries through tailored financial services for technology entrepreneurs and researchers [7] - The bank has initiated equity investment projects in critical future industry areas, injecting venture capital into technology firms [7] Financial Ecosystem Development - China Bank is enhancing its financial supply-side structural reforms to better align with technological innovation needs, creating a specialized service network across the country [8] - The bank has introduced various innovative financial products, including intellectual property pledge loans and specialized loans for small and medium enterprises [8][9] Collaborative Efforts - China Bank has launched the "Zhongyin Sci-Tech Innovation Ecosystem Partner Program" to build innovation ecosystems in major cities and has established partnerships with over 400 investment institutions to meet diverse financing needs of technology companies [9] - As of September 2025, the cumulative supply of comprehensive technology finance services exceeded 830 billion yuan, with green loan balances surpassing 4.66 trillion yuan, reflecting a growth of 20.11% from the previous year [9] Future Outlook - As the "14th Five-Year Plan" concludes, China Bank aims to deepen financial supply-side structural reforms and continue to inject financial resources into the real economy, contributing to the construction of a modern socialist strong country [10]

Core Viewpoint - High-quality development is the primary task for building a modern socialist country, with the development of new quality productivity being essential for achieving strategic advantages in major power competition [2] Group 1: Financial Support for New Quality Productivity - As of September 2025, the balance of technology loans from the Bank of China reached approximately 4.7 trillion yuan, with over 160,000 credit accounts [2] - The domestic RMB loans increased by 1.67 trillion yuan, a growth of 9.15% compared to the beginning of the year [2] - Loans for strategic emerging industries reached 3.12 trillion yuan, growing by 26.29% from the end of the previous year [2] Group 2: Transformation of Traditional Industries - The Bank of China is focusing on financial services to support the modernization of traditional industries, facilitating their transformation towards intelligence, greenness, and integration [3] - In Hebei, the Bank provided 110 million yuan in credit to a food company, increasing its production capacity by nearly three times [3] - In Jiangsu, a loan of 350 million yuan was issued to a gear manufacturing company to support its production project [3] - In Tianjin, the Bank supported the Tianjin Port Group with 15 billion yuan in traditional bank credit and financial leasing [3] Group 3: Green and Digital Transformation - As of October 2025, the balance of clean energy loans reached 1.353 trillion yuan, an increase of 38.97% from the end of the previous year [4] - The balance of loans in the industrial internet sector grew by 46.49% since the beginning of the year [4] - The balance of domestic manufacturing loans reached 3.34 trillion yuan, growing by 12.10% from the end of the previous year [4] Group 4: Support for Emerging Industries - The strategic emerging industries' value added has increased from 7.6% to over 13% of GDP over the past decade [5] - The Bank of China is focusing on 66 national strategic emerging industry clusters, directing financial resources towards early, small, long-term, and hard technology investments [5] - The Bank has provided comprehensive services for the domestic large cruise ship project and supported the overseas sales of domestic aircraft [5][6] Group 5: Future Industry Development - The Bank of China is proactively laying out services for future industries, focusing on key areas such as quantum computing, humanoid robots, and hydrogen energy [7] - The Bank has established a financial support plan for the artificial intelligence industry chain, with over 2,300 partner firms and a credit balance exceeding 400 billion yuan [6] Group 6: Financial Ecosystem and Structural Reform - The Bank is implementing a financial supply-side structural reform to enhance the adaptability of traditional banking products to new innovation demands [8] - As of September 2025, the cumulative supply of comprehensive financial services for technology reached over 830 billion yuan [9] - The balance of green loans exceeded 4.66 trillion yuan, growing by 20.11% year-on-year [9] Group 7: Commitment to Future Development - The Bank of China aims to continue deepening financial supply-side structural reforms to inject more financial resources into the real economy [10]

Core Viewpoint - Jiangsu province is focusing on integrating technological innovation with industrial innovation as part of its new mission in the "14th Five-Year Plan" period, with financial support being crucial for developing new productive forces [1] Group 1: Strategic Framework - Zijin Rural Commercial Bank is enhancing its organizational structure to support technological enterprises and promote innovation in the science and technology sector [2] - The bank has established a three-year strategic plan for innovation finance, prioritizing support for technology enterprises and implementing specialized credit plans [2] - A "1+13+N" linkage mechanism has been created to facilitate a comprehensive service network for technology finance [2] Group 2: Service System Development - The bank is innovating its product offerings to meet the specific needs of technology enterprises at different life cycle stages, including startup loans and supply chain financial products [3] - As of September 2025, the bank has served over 1,800 technology enterprises and issued loans exceeding 9.6 billion [3] Group 3: Collaborative Efforts - The bank has established strategic partnerships with various technology parks and implemented a digital platform to enhance the efficiency of client visits [4] - Over 31,000 technology enterprises have been visited or followed up by the bank as of September [4] Group 4: Information and Resource Integration - The bank is focusing on high-quality development through information sharing and resource integration, collaborating with local government and technology agencies [5] - More than 100 technology-related organizations have engaged in strategic cooperation with the bank [5] Group 5: Community Engagement - The bank has partnered with six local technology financial service stations to provide on-site services and has organized over 70 enterprise matching events [6] - The bank aims to strengthen its role in supporting the real economy by developing tailored financial products and providing ample capital support for new productive forces [6]

Group 1 - The core viewpoint of the articles emphasizes the importance of domestic demand and consumption as key drivers for economic growth during the "15th Five-Year Plan" period, with financial support playing a crucial role in stimulating consumption and unleashing potential [1][4] - The central government is increasing fiscal subsidies and coordinating with financial interest subsidies to promote major consumer goods such as automobiles and home appliances, thereby driving rapid recovery in the consumption market [1][2] - Consumption credit has seen significant growth, with a focus on expanding credit services beyond traditional sectors to include education, healthcare, and green consumption, reflecting a shift towards more personalized and service-oriented consumption [2][3] Group 2 - The digital transformation of consumer finance is accelerating, with mobile payments and digital currency infrastructure enhancing the consumer service landscape, projected to reach a transaction scale of 563.7 trillion yuan in 2024 [2][3] - Addressing the imbalance in financial services between urban and rural areas is a priority, with initiatives to develop a rural credit system and promote collaboration between major banks and rural credit cooperatives [3][4] - Strengthening the collaboration between financial and industrial policies is essential for activating new consumption growth points, with a focus on integrating financial services into various industry chains [4][5]

Core Insights - The article emphasizes the importance of domestic demand as a key driver for economic growth during the "15th Five-Year Plan" period, highlighting the role of financial support in stimulating consumption and unleashing potential in domestic demand [1][2]. Group 1: Financial Support for Consumption - Financial tools are being utilized to rapidly revive the consumption market, with increased fiscal subsidies and financial interest discounts aimed at promoting major consumer goods such as automobiles and home appliances [1][2]. - The introduction of personal consumption loan interest subsidies covers high-frequency scenarios like shopping, tourism, and home decoration, injecting strong momentum into service sector consumption [1][2]. Group 2: Growth of Consumer Credit - Consumer credit has seen both quantity and quality growth, with a significant increase in household consumption loans excluding personal housing loans compared to the beginning of the "14th Five-Year Plan" [2]. - Financial institutions are innovating to support new consumption patterns, launching targeted products like "Specialized and Innovative Loans" to provide precise funding for emerging business models [2]. Group 3: Digital Transformation in Consumer Finance - The digital transformation of consumer finance is accelerating, with improvements in mobile payment and digital currency infrastructure, leading to a comprehensive financial service ecosystem [2]. - By 2024, mobile payment transaction volume is expected to reach 563.7 trillion yuan, with user numbers surpassing 1 billion, indicating a robust digital finance landscape [2]. Group 4: Addressing Financial Service Imbalances - The article identifies the need to improve inclusive finance mechanisms to address imbalances in financial services between urban and rural areas, advocating for collaboration between major banks and rural credit cooperatives [3]. - Establishing a rural credit scoring system based on integrated data from social security and consumption will provide better loan terms for creditworthy rural consumers [3]. Group 5: Enhancing Financial and Industrial Policy Coordination - Strengthening the collaboration between financial and industrial policies is essential to activate new consumption growth points, with a focus on integrating financial services into key industries like green appliances and renewable energy vehicles [4]. - The establishment of special consumption finance guiding funds is encouraged to support innovative projects in essential service sectors, creating a virtuous cycle of policy guidance, financial support, and industrial implementation [4]. Group 6: Risk Management and Regulatory Framework - The article stresses the importance of a new governance system that combines technology and regulation to prevent systemic risks, including clear capital requirements for internet lending platforms [4]. - Continuous monitoring of credit fund flows and strict measures against fraudulent practices are necessary to protect consumer rights and support sustainable economic growth [4].

Core Viewpoint - Jiangyin Rural Commercial Bank is focusing on building a comprehensive technology finance service system, promoting innovation and collaboration among government, business associations, and enterprises to create a supportive ecosystem for technological innovation [1] Group 1: Technology Finance Development - The bank has organized 14 events this year, including "Government-Bank-Enterprise Connection Meetings" and "Technology Innovation Roadshow Seasons," to support over 40 recognized high-tech enterprises [1] - Jiangyin's high-tech industry output value is projected to reach 291.92 billion yuan in 2024, accounting for 38.8% of the total industrial output, with a year-on-year growth of 9% [1] Group 2: Collaborative Innovation - The bank has established strategic cooperation with the Federation of Industry and Commerce and Jiangyin Campus of Nanjing University of Technology to align financial services with industry needs [2] - A comprehensive strategic partnership with Jiangyin High-tech Zone has been formed to enhance financing for private enterprises and support major projects [2] Group 3: Service Network Innovation - Jiangyin Rural Commercial Bank has set up a "High-tech Innovation Service Center" and a technology branch in Jiangyin High-tech Zone, creating a dual-track model for technology finance services [3] - The bank has implemented a new party-building model to cultivate a talent pool that understands technology, industry, and finance [3] Group 4: Comprehensive Service Innovation - The bank has introduced various loan products tailored for different stages of enterprise development, including "Technology Enterprise Loans" and "Talent Loans," focusing on technology potential and team strength rather than traditional financial metrics [4] - As of September, the bank has completed two "loan + equity" agreements to alleviate financial pressure on enterprises while maintaining control for core teams [4] Group 5: Process and Brand Innovation - The bank has streamlined processes to create a green channel for technology finance, reducing approval times by 60% compared to traditional methods [5] - The bank has launched a content matrix to promote technology enterprises' development stories, enhancing communication with capital and markets [5] Group 6: Overall Impact - By the end of September, the bank had provided financing services to 1,503 technology enterprises, with a total credit balance of 15.5 billion yuan [5] - The bank aims to continue refining its comprehensive service model to effectively support the transformation of technological achievements into productive forces [5]