在完善金融组织协作体系方面，《意见》提出，鼓励金融机构总行(总部)围绕西部陆海新通道跨区域综 合运营模式，探索沿线省(区、市)分支机构授信一体化机制，推动金融资源跨省流动。优化海外机构布 局，建立境内外分支机构"一点接入"式联合服务网络，在客户尽调、结算便利、联合授信方面加强联 动。支持东盟、港澳地区符合条件的银行通过新设法人机构、分支机构、专营机构等方式在沿线省 (区、市)开展金融服务。 在充分发挥金融服务大通道的优势和作用同时，相关金融风险防控体系也将进一步构建。根据《意 见》，沿线省(区、市)将构建适应通道建设的金融监管联动机制，推动数据流通共享，强化穿透式监 管。加强跨境金融风险监测防控，防范扩大通道开放环境下的跨境资金流动风险。 《意见》从完善金融组织协作体系，构建高质量资金融通体系，推进制度性改革创新，建设数字金融服 务平台，完善金融开放合作体系，深化跨省跨境金融监管协作等方面提出21条重点举措，推动发挥 好"融资"和"结算"两项金融核心功能，支持西部陆海新通道高质量发展。 在完善金融开放合作体系方面，《意见》提出，支持符合条件的银行在遵守监管规定和宏观审慎框架下 向东盟国家企业或项目发放跨境贷款 ...

着眼于提升通道商贸领域金融服务普惠性，《意见》还要求开发适合中小微商贸流通企业的专项信贷产品，丰富 贸易融资种类，简化业务流程和手续，降低商贸企业融资成本。 为优化资金结算便利体系,《意见》提出将便利跨境贸易结算，促进跨境投融资便利，扩大人民币跨境使用。未来 将加强与东南亚、中亚地区国家的双边货币合作，为人民币跨境使用创造支持条件。支持东盟国家投资者以人民 币投资、境内再投资。支持符合条件的沿线省（区、市）法人银行加入人民币跨境支付系统。研究扩大数字人民 币跨境应用地区范围，利用双边和多边跨境业务模式为通道跨境支付降本增效。 为支持通道金融数智化转型，《意见》明确将建设"央行西部陆海智融通"综合金融服务平台，打造集金融政策宣 传与产品发布、银企精准对接、金融数据统计、金融服务成效评价等功能于一体的一站式综合金融服务平台。 证券时报记者 贺觉渊 为完善西部陆海新通道金融服务体系，中国人民银行等八部门12月24日联合发布《关于金融支持加快西部陆海新 通道建设的意见》（以下简称《意见》），提出21条重点举措，包括加大金融资源统筹支持，优化资金结算便利 体系，扩大人民币跨境使用等。《意见》要求，充分发挥好"融资"和" ...

湖北金融监管局日前披露的数据显示，截至2025年11月末，全省累计走访小微企业超过521万户，累计 发放贷款超过1万亿元，平均利率降至3.52%。融资可得性、便利度显著提升，金融"活水"更精准、更高 效、更有温度地滋养着荆楚大地的经济毛细血管。 小微企业是地方经济的"毛细血管"，支持小微企业发展，就是守护地方经济的活力源泉。 据了解，自2024年11月湖北建立支持小微企业融资协调工作机制以来，由湖北金融监管局与省发展改革 委"双牵头"，打通"信息共享—名单推送—精准对接—帮扶纾困"全流程，推动金融服务从"银行端供 给"向"企业端需求"深度转变。 眼下，一个覆盖广泛、响应迅速、运行顺畅的融资服务基础设施已在全省形成，标志着湖北小微企业融 资服务步入系统性、精准化、便利化新阶段。 协同发力精准服务小微企业 长期以来，小微企业融资处于"点对点"对接状态，需求分散、匹配低效，大量真实融资需求湮没于信息 断层之中。协调机制的建立，如同铺设了一张智能的"金融通讯网"。 如今，银行不再满足于单笔贷款的投放，更关注企业全生命周期的需求波动，提供覆盖续贷、扩产、避 险、结算等环节的综合解决方案。这意味着金融服务更紧密地嵌入企业 ...

Core Insights - The 19th Golden Fair's "Park Tour" event in Minhang Zizhu High-tech Park successfully concluded, focusing on the financial needs of the park and enhancing the connection between financial resources and the real economy, particularly technology innovation enterprises [1][3] Group 1: Event Overview - The event aimed to build an efficient communication bridge to promote deep integration between financial resources and the real economy [1] - The Zizhu High-tech Park, located in the southeast of Shanghai Minhang, is a hub for information software and intelligent manufacturing enterprises, playing a key role in Shanghai's innovation center construction [3] Group 2: Park Characteristics - The park covers a planned area of 13 square kilometers and follows a unique development model that integrates campuses, parks, and communities, fostering a collaborative innovation ecosystem [3] - The core philosophy of the park emphasizes "ecology, culture, and technology" [3] Group 3: Company Participation - Representative companies from the park, such as Yifang (Shanghai) Technology Service Co., Ltd. and Shanghai Vanadium and Titanium Technology Co., Ltd., showcased their technological advantages and development plans during the event [3] - These companies raised questions regarding financial support policies for startups and the use of insurance tools for risk protection in business collaborations [3] Group 4: Financial Advisory - Financial advisors from China Bank, Taikang Insurance, and Shenwan Hongyuan Securities provided tailored responses to the companies' financial challenges [3] - They suggested that startup technology companies could leverage personal guarantees for credit loans and apply for "technology innovation enterprise" labels to access specialized credit products [3] Group 5: Future Activities - The Golden Fair commenced on September 29 and will host over ten "Park Tour" events by the end of the year, with an online exhibition running until September 2026 [4] - The fair aims to enhance the quality of service by facilitating connections between financial institutions and real enterprises, reinforcing the commitment of Shanghai's financial sector to support the real economy [4]

Core Viewpoint - Zhongyuan Securities (601375) is committed to implementing the spirit of the Central Financial Work Conference, focusing on technology finance and inclusive finance, and integrating the cultivation of new productive forces with the financial needs of the public [1] Group 1: Support for Technology Enterprises - Zhongyuan Securities has successfully assisted Jianlong Micro-Nano in becoming the first company from Henan Province to list on the Sci-Tech Innovation Board, showcasing its role in supporting technology enterprises [2] - The company has developed a "three-in-one" financial service model that integrates investment banking, investment, and lending to enhance the quality and efficiency of services for technological innovation [2][3] Group 2: Financial Services for Small and Medium Enterprises - Zhongyuan Securities has established a wealth management service ecosystem to enhance the accessibility of inclusive financial services, launching over 400 public fund products this year and facilitating financing of over 28 billion yuan for nearly 4,000 small and medium enterprises [4] - The company has focused on incubating small and medium enterprises, helping them transition to the New Third Board and providing various specialized credit products [4] Group 3: Regional Economic Development - Zhongyuan Securities emphasizes differentiated and specialized development, integrating research, investment banking, and investment resources to provide tailored capital market services across 18 prefecture-level cities in Henan Province [5] - The company has organized over 60 events, including government-finance-enterprise matchmaking meetings and capital market training, to enhance regional economic development [6] Group 4: Future Outlook - Zhongyuan Securities aims to continuously improve its professional capabilities in investment banking, investment, and research, while enhancing the quality of financial services to contribute to the modernization of the Central Plains region [6]

Core Viewpoint - The Shandong Provincial Department of Commerce has launched the "Shandong Province Specialized, Refined, Characteristic, and Innovative Foreign Trade Quality Products Going Global Action," aiming to enhance the international market expansion mechanism for Shandong's export products across ten key industries [1][4]. Group 1: Action Overview - The action is based on over 5,600 specialized and innovative export enterprises in Shandong, focusing on ten key industry clusters: automotive manufacturing, chemical products, general equipment, textiles and clothing, electronics and electrical appliances, building materials and decoration, light industrial crafts, food and agricultural products, pharmaceuticals and healthcare, and specialized equipment [4]. - The goal is to establish one export cluster worth 100 billion yuan, two clusters worth 50 billion yuan each, and seven clusters worth 10 billion yuan each by 2026, while nurturing over 1,000 new specialized and innovative export enterprises [4]. Group 2: Implementation Strategy - The action will implement a dual-track approach of "one country, one policy" and "one industry, one policy," targeting emerging markets in Africa, the Middle East, Central Asia, South America, Eastern Europe, and ASEAN [4]. - An international marketing network will be built around the "Five Ones" concept, which includes overseas marketing stations, international exhibitions, product display centers, and cooperative parks, enhancing the integrated service capabilities of "information + brand + marketing" [4]. Group 3: Support Measures - Shandong has integrated 15 departments to launch 59 service measures, forming a comprehensive support system that includes financial credit, logistics channels, and legal consulting [4]. - Seven financial institutions have introduced 27 specialized credit products to assist enterprises in expanding their overseas markets [4]. Group 4: Trade Performance - In the first eight months of this year, Shandong's foreign trade maintained a steady growth trend, achieving an import and export volume of 2.32 trillion yuan, ranking fifth nationally, with a year-on-year growth of 5.8%, the highest among major foreign trade provinces [5]. - The promotion of this outbound action is expected to further enhance Shandong's foreign trade competitiveness and support the high-quality development of the province's export-oriented economy [5].

Group 1 - The importance of banks as a key financial support in the construction of modern agricultural industrial parks is emphasized, highlighting their role in driving rural revitalization through precise positioning and multi-dimensional efforts in mechanisms, models, products, and technology [1][3] - Banks should establish a dedicated service system that aligns with the development of modern agricultural industrial parks, including forming special working groups and appointing service specialists to provide comprehensive professional services [1][2] - Innovative financing models are crucial to solving the financing difficulties faced by modern agricultural industrial parks, with a focus on promoting supply chain finance models that extend the credit of core enterprises to upstream and downstream participants [1][2] Group 2 - Customization and development of credit products should closely align with the diverse needs of modern agricultural industrial parks, moving away from a one-size-fits-all approach to create specialized credit product systems [2] - The application of financial technology is essential for enhancing service efficiency, enabling online platforms for loan applications, and utilizing big data and IoT to build more accurate agricultural credit risk control models [2] - Continuous and stable financial support is necessary for the construction of modern agricultural industrial parks, with banks needing to optimize services, innovate products, and improve efficiency to allocate financial resources effectively [3]