《意见》要求，要强化金融多业态协同，发挥债券市场融资功能，鼓励金融机构尤其是欠发达地区地方 法人金融机构发行小微、"三农"等专项金融债券。构建资本市场综合支持体系，继续实施企业上市"绿 色通道"政策。创新发展保险产品和服务。强化政策保障和组织实施，充分发挥货币、信贷政策的激励 作用，引导金融机构持续加大对乡村振兴领域尤其是防止返贫致贫对象和欠发达地区的信贷资源投入。 建立健全常态化的金融帮扶政策效果统计与动态监测机制，定期跟踪分析政策落实成效。 下一步，中国人民银行将加强与金融监管总局、中国证监会、农业农村部等部门的协同配合，及时总结 常态化帮扶和乡村振兴金融服务工作特色经验做法，加强统计监测与考核评估，创新乡村振兴投融资机 制，助力守住不发生规模性返贫致贫底线，推进乡村全面振兴。（经济日报记者 勾明扬） 《意见》提出，要健全重点人群开发式金融帮扶长效机制,调整优化脱贫人口小额信贷,完善农户小额信 用贷款政策，常态化支持防止返贫致贫对象发展。发挥金融助力产业帮扶带动作用，鼓励金融机构开发 特色优势产业贷款，有条件的地区可提高创业担保贷款额度上限。建立分层分类的欠发达地区金融支持 机制，坚持新增金融资金优先满足 ...

【重点关注】 •四部门：建立常态化金融支持机制助力防止返贫致贫和乡村全面振兴 •市场监管总局约谈7家平台企业：杜绝各种形式的"内卷式"竞争 •群核科技拟港股IPO 获中国证监会备案 转自：新华财经 【国内要闻】 •近日中国人民银行、金融监管总局、中国证监会、农业农村部联合发布的《关于统筹建立常态化金融支持机制 助力防止返贫致贫和乡村全面振兴的意见》 提出多项金融举措，旨在加快构建过渡期后常态化金融帮扶机制，扎实推进乡村全面振兴，推动城乡融合发展。意见要求，鼓励金融机构尤其是欠发达地区 地方法人金融机构发行小微、"三农"等专项金融债券；构建资本市场综合支持体系，继续实施企业上市"绿色通道"政策；创新发展保险产品和服务。 •据市场监管总局14日消息，2月13日，市场监管总局约谈阿里巴巴、抖音、百度、腾讯、京东、美团、淘宝闪购等平台企业，要求有关平台企业严格遵守 《中华人民共和国反不正当竞争法》《中华人民共和国价格法》《中华人民共和国消费者权益保护法》《中华人民共和国电子商务法》等法律法规规定，主 动落实主体责任，进一步规范平台促销推广行为。提醒相关平台企业要杜绝各种形式的"内卷式"竞争，共同维护公平竞争市场环境， ...

Core Viewpoint - The People's Bank of China, along with other regulatory bodies, has issued guidelines to establish a normalized financial support mechanism aimed at preventing poverty and promoting rural revitalization, in line with the directives from the 20th National Congress of the Communist Party of China [1][2]. Group 1: Financial Support Mechanism - The guidelines emphasize the need to develop a long-term financial support mechanism for key populations, optimize microcredit for impoverished individuals, and provide ongoing support to prevent poverty [1][2]. - Financial institutions are encouraged to create loans for specialized industries and increase the upper limit for entrepreneurial guarantee loans in eligible regions [2]. Group 2: Investment in Key Areas - There is a strong focus on enhancing financial resource allocation in critical sectors, particularly in grain and oil production, to improve agricultural productivity and quality [2]. - The guidelines call for increased long-term funding for rural infrastructure and support for the integration of agriculture, culture, and tourism [2]. Group 3: Financial Services and Innovation - The guidelines advocate for the development of supply chain financial services, such as accounts receivable financing, to meet the financial needs of the entire agricultural industry chain [2]. - Financial technology initiatives will be implemented to empower rural revitalization, including the promotion of mobile payment systems and the establishment of credit rating systems for rural entities [2]. Group 4: Collaborative Financial Strategies - The guidelines stress the importance of multi-faceted financial collaboration, encouraging local financial institutions in underdeveloped areas to issue special bonds for small and micro enterprises and agriculture [2]. - A comprehensive capital market support system will be constructed, continuing the "green channel" policy for company listings [2]. Group 5: Monitoring and Evaluation - The People's Bank of China will enhance collaboration with regulatory bodies to summarize effective practices in financial support and monitor the implementation of policies aimed at rural revitalization [3].

意见全文： 中国人民银行 金融监管总局 中国证监会 农业农村部 为深入贯彻落实党的二十大和二十届历次全会精神，落实《中共中央 国务院关于统筹建立常态化防止 返贫致贫机制促进乡村全面振兴的意见》和《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》部署要求，深入学习运用"千万工程"经验，加快构建过渡期后常态化金融帮扶机制， 持续提升金融支持的力度、精度和实效，扎实推进乡村全面振兴，推动城乡融合发展。近日，中国人民 银行、金融监管总局、中国证监会、农业农村部联合发布《关于统筹建立常态化金融支持机制 助力防 止返贫致贫和乡村全面振兴的意见》（以下简称《意见》）。 《意见》提出，要健全重点人群开发式金融帮扶长效机制，调整优化脱贫人口小额信贷,完善农户小额 信用贷款政策，常态化支持防止返贫致贫对象发展。发挥金融助力产业帮扶带动作用，鼓励金融机构开 发特色优势产业贷款，有条件的地区可提高创业担保贷款额度上限。建立分层分类的欠发达地区金融支 持机制，坚持新增金融资金优先满足、新增金融服务优先布设乡村振兴重点帮扶县。加大对民族地区、 革命老区、边疆地区等区域的金融资源倾斜力度。 《意见》强调，要强化重点领域 ...

Core Viewpoint - The People's Bank of China, along with other regulatory bodies, has issued guidelines to establish a normalized financial support mechanism aimed at preventing poverty and promoting rural revitalization, in line with the directives from the 20th National Congress of the Communist Party of China [1][17]. Group 1: Financial Support Mechanism - The guidelines emphasize the need to develop a long-term financial assistance mechanism targeting key populations, optimizing microcredit for impoverished individuals, and ensuring continuous support for those at risk of falling back into poverty [2][18]. - Financial institutions are encouraged to create loans for specialized industries and increase the upper limit for entrepreneurial guarantee loans in eligible regions [2][18]. - A tiered financial support mechanism for underdeveloped areas will be established, prioritizing new financial resources for key rural revitalization counties [2][18]. Group 2: Investment in Key Areas - The guidelines stress the importance of enhancing financial resources in critical sectors, particularly in grain and oil production, to improve agricultural productivity and quality [3][19]. - Development of supply chain financial services, such as accounts receivable financing, will be promoted to meet the financial needs of the entire agricultural industry chain [3][19]. - Increased long-term funding for rural infrastructure projects is highlighted, supporting the integration of agriculture, culture, and tourism [3][19]. Group 3: Financial Service Capacity Building - The guidelines call for strengthening the financial organizational system, with state-owned banks and rural financial institutions playing a crucial role in supporting rural revitalization [11][28]. - Financial institutions are urged to diversify their product offerings and develop tailored financial services to meet the needs of various agricultural stakeholders [11][29]. - The promotion of digital transformation in financial services is emphasized, leveraging technologies like big data and artificial intelligence to enhance efficiency [12][30]. Group 4: Multi-Industry Financial Collaboration - The guidelines encourage the issuance of special financial bonds by local financial institutions to raise stable, low-cost funds for rural revitalization [14][32]. - A comprehensive support system for capital markets will be constructed, facilitating the listing of enterprises in rural areas and providing risk management tools for agricultural products [14][32]. - The development of innovative insurance products to safeguard agricultural projects and enhance service quality is also a focus [15][32]. Group 5: Policy Coordination and Implementation - The guidelines advocate for coordinated policy efforts to ensure sustained financial support for poverty prevention and rural revitalization, with a focus on maintaining low non-performing loan rates in targeted areas [20][33]. - Establishing a dynamic monitoring mechanism to assess the effectiveness of financial assistance policies is crucial for ongoing evaluation and improvement [20][33]. - The promotion of successful case studies and experiences in financial support for rural revitalization is encouraged to foster a positive social environment [20][33].

Core Insights - The People's Bank of China Guangdong Branch reported a 4.8% year-on-year increase in the balance of domestic and foreign currency loans, reaching 29.6 trillion yuan by the end of June 2025, with growth accelerating for three consecutive months [2][5][6] - The average interest rate for newly issued general loans in Guangdong was 3.04% in June 2025, marking a historical low and a decrease of 38 basis points year-on-year [2][6] Financial Performance - As of June 2025, the social financing scale in Guangdong increased by 1.33 trillion yuan from January to May, with a total loan balance of 29.6 trillion yuan, which is 1.2 trillion yuan more than at the beginning of the year [5][6] - Manufacturing loans increased by 278.7 billion yuan, accounting for 22.6% of the total loan increment, with a year-on-year growth of 7.8% in medium and long-term loans [5][7] Sectoral Support - The Guangdong financial sector has strengthened support for key industries, with loans in technology, inclusive finance, and green finance growing faster than the overall loan growth [5][7] - The balance of technology loans reached 5.6 trillion yuan by the end of May 2025, with a year-on-year increase of 7.3% [7][8] Inclusive Finance - By the end of June 2025, the balance of inclusive small and micro loans in Guangdong was 4.8 trillion yuan, up 9.8% year-on-year, while agricultural loans reached 2.6 trillion yuan, growing by 11.0% [8][9] - The balance of loans for the elderly care industry surged by 89.3% year-on-year, reaching 10.3 billion yuan [8] Digital Finance - The Guangdong branch has facilitated the opening of 44.9 million personal wallets, with 3.82 billion transactions totaling 157.6 billion yuan, ranking first in the country for transaction volume [9][10] - The "Cross-border Wealth Management Connect" program saw over 160,000 investors involved, with cross-border fund transfers amounting to 118 billion yuan [10] Future Outlook - The People's Bank of China Guangdong Branch plans to continue implementing a moderately loose monetary policy, focusing on technology innovation, consumption stimulation, and support for small and micro enterprises [10][11] - The branch aims to enhance the market interest rate pricing self-discipline mechanism and improve the efficiency of financial services for the real economy [10][11]