洞察客户需求，挖掘普惠深度 锚定"金融为民"初心，兴业消金始终践行普惠金融，成为滴灌普惠的"及时雨"与助力居民美好生活 的"助推器"。 根植于福建省这一中小企业较为活跃、民营经济较为发达的省份，兴业消金成立十一年来，深度洞察个 体工商户、自雇群体的消费需求，针对其差异化消费诉求设计相应的贷款产品，形成了一套覆盖消费信 贷全生命周期的产品体系。 为解决家庭生活消费方方面面的资金需求，兴业消金推出主营产品"兴家贷""优客通"等系列，包括"兴 家贷""优才贷""活力贷"等多个产品及专案，既可用于日常消费开支，也可满足年轻客群在新兴场景下 的消费需求。 值得注意的是，兴业消金对普惠金融的深度挖掘不仅仅在产品供给层面，而是从消费需求出发，基于长 期以来沉淀的科技与风险管理能力，对客户进行风险分层精准定价，为客户提供个性化、差异化的授信 政策，真正做到"千人千面"的消费金融服务。 作为国内扩大消费金融公司试点首家开业的消费金融机构，成立于2014年的兴业消费金融股份公司（下 称"兴业消金"）始终坚守"金融为民"初心，通过创新产品与服务，将金融活水精准滴灌至社会经济毛细 血管。 从服务个体工商户到支持新市民，从助力毕业生扎 ...

Core Insights - The article highlights the success story of Li Jiarui, a young entrepreneur in Changsha, who received a 1 million yuan loan from Changsha Bank's "You Talent Loan" program, showcasing the bank's support for talent development and innovation [1][3]. Group 1: Financial Support for Talent Development - Changsha Bank has launched the "You Talent Loan" product specifically for high-level talents, which has disbursed a total of 3 billion yuan over nearly six years, supporting numerous outstanding talents and technology innovation enterprises [3]. - The loan application process is described as convenient and quick, providing essential financial support that allows entrepreneurs to focus on technological advancements [3]. Group 2: Company Profile and Financial Projections - Li Jiarui's company, Hunan Ningying New Material Technology Co., focuses on low-carbon chemical solutions, with its core product, a concrete carbon-reducing agent, significantly reducing cement usage and carbon emissions [3]. - The company has successfully applied its products in key projects and is projected to achieve a revenue of 30 million yuan by 2025, with a valuation of 200 million yuan after completing its angel round of financing [3]. Group 3: Changsha Bank's Commitment to Innovation - Changsha Bank's Sci-Tech branch has been dedicated to technology finance for 14 years, with 90% of its credit funds directed towards this sector, and 70% of its business consisting of credit guarantee loans [4]. - The bank has introduced a new product, "Little Lotus You Talent Loan," which offers 1 million yuan without collateral, aimed at better supporting young entrepreneurs [4]. - The bank has implemented various measures to ensure 100% reach, response, and satisfaction for talents, having served over a thousand enterprises in innovation and entrepreneurship competitions in the past three years, with loan disbursements exceeding 10 billion yuan [4].

Core Viewpoint - Changsha Bank has launched a comprehensive initiative to support young talent in innovation and entrepreneurship, aiming to enhance the city's development as a global research and development center and promote the "Artificial Intelligence +" initiative [1][3]. Financial Support for Talent Development - The initiative includes the "Five Ones Project + Financial Talent Plan," which provides extensive financial and non-financial services to young talents moving to Changsha [3][4]. - Changsha Bank has introduced the "Youth Dual Card" and a dedicated youth financial product, "Golden Furu," to enhance the quality of life for young people [3]. Entrepreneurial Support - The bank has pioneered a "Talent Loan" product supermarket in the province, offering various financing solutions, including the "优才贷" with a maximum limit of 20 million and "小荷优才贷" for young entrepreneurs with a limit of 1 million [4]. - The bank has issued 6 billion yuan in innovative entrepreneurial bonds and technology innovation bonds to support local brands and has provided nearly 68.6 billion yuan in loans this year [4]. Platform Development - Changsha Bank has sponsored the Hunan Innovation and Entrepreneurship Competition for ten consecutive years, serving 1,375 participating companies and providing 10.9 billion yuan in loans over the past three years [4]. - The bank has also established the "Talent Exchange" youth salon to connect experts in finance and law, offering a comprehensive ecosystem of services [5]. Talent Attraction and Retention - The bank has created the "青芙蓉" employer brand, attracting nearly 10,000 university students annually and engaging in talent recruitment initiatives across six provinces [5]. - Changsha Bank is committed to providing professional products, intelligent solutions, and attentive services to support young talents in their growth [5].

转自：新华财经 2025年12月17日，"背起双肩包出发 创业就业到长沙"长沙市金融支持人才发展活动暨《我的梦想我的 城（第五季）》开播仪式在湖南长沙举行。这场集金融政策产品推介、青年人才代表分享、人才生态纪 录片开播于一体的盛会，是长沙深耕人才生态、实现 "城市与人才双向奔赴" 的生动实践。长沙银行作 为本地法人金融机构，在活动中发布多项支持举措，为青年人才逐梦添力。 推动金才融通，激活创业源头活水 作为不沿边、不沿海的内陆城市，长沙高筑人才政策"黄金台"，以真金白银和满满诚意引来"金种子"。 会上，湖南星辰通用机器人有限公司CEO张成文表示，得益于长沙良好的营商环境和人才生态，公司已 从深圳整体搬至长沙，即将发布一系列具身机器人产品，后续计划共建湖南省具身智能创新中心，带动 上下游产业集聚，助力湖南打造中南区域具身智能产业高地。长沙理工大学学生，湖南睿翼智控科技有 限责任公司创始人吴睿恩表示，长沙推出的一系列鼓励大学生创业的政策，为无数像他这样的创业者提 供了坚实的保障，提振了信心…… 据悉，同日正式开播的《我的梦想我的城（第五季）》将镜头对准更多扎根长沙的青年创业者，通过真 实记录他们的奋斗历程，向外界 ...

Core Viewpoint - The emphasis on boosting consumption and enhancing investment efficiency is crucial for stabilizing the economy and fostering internal growth dynamics, as highlighted in the government's work report [1] Group 1: Consumption Finance Trends - Consumption finance is a vital financial tool for stimulating domestic demand and enhancing consumer flexibility through small credit activation [1] - The service models, product forms, customer acquisition channels, and risk control systems in consumption finance are continuously innovating, showing trends of online, intelligent, scenario-based, inclusive, and refined services [1] - Financial institutions are encouraged to develop financial products and services that align with new consumption characteristics, actively participating in promotional activities to benefit consumers [2] Group 2: Product and Service Innovation - Consumption finance companies are focusing on product innovation to meet segmented market demands, enhancing existing product systems to better match consumer needs [2] - Recent upgrades in product offerings include the rebranding of "家庭消费贷" to "兴家贷" and the introduction of targeted products like "兴创贷" and "优才贷" to cater to specific consumer groups [2] - New retail financial products such as "消费升级贷" and "绿色消费贷" have been launched to support the trend of consumption upgrades [2] Group 3: Technological Innovation - Technological innovation is key for consumption finance companies to enhance market competitiveness and service efficiency [4] - The number of technology patents held by consumption finance companies reached 1,242 by the end of 2024, supporting their digital transformation [4] - Companies are embedding technology throughout their business processes, utilizing AI and big data for precise risk control and intelligent decision-making [5] Group 4: Customer Experience Enhancement - The introduction of interactive features like "小红花" by Ant Group has led to a significant increase in credit limits for young consumers, with 68% of participants receiving real-time credit increases [5] - Companies are focusing on optimizing customer experience through app upgrades and improving service processes to enhance usability for all customer segments [5][6] - The digital transformation driven by technology not only aligns financial services with consumer needs but also reshapes industry operational logic for mutual benefits [6]

Core Viewpoint - The event "Thousand Enterprises and Ten Thousand Households Visit" focuses on empowering specialized and innovative enterprises in Hunan through financial support, aiming to contribute to high-quality regional development [1][3]. Group 1: Specialized and Innovative Enterprises - Specialized and innovative enterprises are defined as small and medium-sized enterprises characterized by specialization, refinement, uniqueness, and novelty, serving as a backbone for developing new productive forces [3]. - Hunan Province has integrated various resources to support the growth of specialized and innovative enterprises, with over 540 national "little giant" enterprises and more than 6,300 provincial specialized and innovative SMEs [3]. Group 2: Financial Support Initiatives - Changsha Bank has served over 3,500 technology-based enterprises, with 53.46% being specialized and innovative enterprises, and plans to focus on strategic alignment, innovation empowerment, and local ecosystem development [3][4]. - The bank introduced various financial products to address the financing challenges faced by specialized and innovative enterprises, including "Talent Loan," "Intellectual Property Pledge Loan," and "Knowledge Value Credit Loan," with the latter offering up to 30 million yuan without requiring third-party collateral [6]. Group 3: Collaborative Efforts - The event featured presentations from Changsha Bank, the Hunan Provincial Technology Achievement and Technology Market Association, and Hunan Xiangcheng Financing Guarantee Co., Ltd., providing a comprehensive package of support for enterprise innovation and development [6]. - A signing ceremony took place to deepen collaboration among financial institutions and support the development of specialized and innovative enterprises, with follow-up visits planned to understand their needs better [6].

Core Viewpoint - Hunan Province is evolving as a significant transportation hub and an innovative ground for the transformation of traditional industries and the integration of emerging industries, with Changsha Bank playing a crucial role in this development [1] Group 1: Financial Performance - Changsha Bank reported total assets of 1.15 trillion yuan, an increase of over 120 billion yuan year-on-year, marking three consecutive years of asset growth exceeding 100 billion yuan [1] - For the year 2024, the bank achieved an operating income of 25.94 billion yuan, a year-on-year increase of 4.57%, and a net profit attributable to shareholders of 7.83 billion yuan, up 4.87% [2] - The bank's net interest margin stood at 2.11%, with net interest income growing by 2.68% due to optimized deposit structure and effective cost control [2] - As of the end of 2024, the bank's total assets reached 1.1467 trillion yuan, a year-on-year increase of 126.72 billion yuan, representing a growth rate of 12.42% [2] Group 2: Loan and Deposit Growth - County loans accounted for nearly 60% of the bank's new loans, with a county loan balance of 201.37 billion yuan, reflecting a year-on-year increase of 316.72 billion yuan [4] - The bank's county deposit balance reached 234.17 billion yuan, an increase of 29.6 billion yuan, with a growth rate of 14.47% [4] - The bank's "One County, One Specialty" loan program saw a balance of 6.582 billion yuan, a significant increase of 68.1% year-on-year [3] Group 3: Strategic Initiatives - In 2024, Changsha Bank launched its new ten-year strategy, focusing on the "Five Major Articles" of finance, with over 150 billion yuan allocated to these areas [6] - The bank has developed a robust digital finance platform, connecting over 2,300 government services and achieving over 11.6 million users in online channels [7] - The bank aims to become a leading "green ecological bank" by promoting green finance, with a green loan balance of 52.829 billion yuan, up 23.14% year-on-year [6] Group 4: Community Engagement - Changsha Bank is committed to enhancing financial services in rural areas through a three-tiered service network and initiatives like "Thousand Enterprises, Ten Thousand Households" outreach [6][7] - The bank's inclusive finance efforts resulted in a balance of 68.283 billion yuan in loans to small and micro enterprises, an increase of 15.91% [6]