企业动态 ●德益世国际保理受邀参展服贸会，出口保理服务助力企业扬帆出海 9月10-14日，中国国际服务贸易交易会（服贸会）在北京盛大举行。本届服贸会金融服务专题以 "数智 驱动，开放共赢" 为主题，德益世国际保理受邀参与此次盛会，参展内容包括出口保理和供应链金融两 大国际贸易融资服务，与现场观众分享我们在国际贸易融资与风险管理领域的实战经验。（德益世国际 保理） 微信公众号【商业保理资讯】 归类整理 财经资讯 ●2025年1—8月份全国规模以上工业企业利润增长0.9% 1—8月份，全国规模以上工业企业实现利润总额46929.7亿元，同比增长0.9%。8月末，规模以上工业企 业应收账款27.24万亿元，同比增长6.6%；产成品存货6.73万亿元，增长2.3%。规模以上工业企业每百 元资产实现的营业收入为74.0元，同比减少2.0元；应收账款平均回收期为70.1天，同比增加3.7天。（统 计微讯） ●中国人民银行 中国证监会 国家外汇管理局联合发布关于进一步支持境外机构投资者在中国债券市场 开展债券回购业务的公告 9月26日，中国人民银行、中国证监会、国家外汇局联合发布公告，支持可在中国债券市场开展债券现 券交易 ...

9月29日，据大华银行消息，大华银行中国与深圳市星源材质科技股份有限公司（星源材质）签订合作 备忘录。双方将在绿色贸易融资、跨境资金管理、供应链金融等方面深化合作，共同推动中国新材料新 能源产业拓展东盟市场。未来，大华银行拟为星源马来西亚生产基地提供绿色贸易融资、外汇交易额 度、货币互换等风险对冲工具。 ...

9月23日，由上海市人工智能行业协会指导、平安银行（000001）上海分行等机构协办的"AI赋能低空经 济 共探智能融合新未来"主题论坛在浦东张江模力社区成功举办。本次活动汇聚了低空经济与人工智能 领域的70余家代表性企业、行业专家及金融机构代表，围绕AI与低空经济的融合路径、基础设施构建 与金融支持机制展开深入探讨。 作为本次论坛唯一的协办金融机构，平安银行上海分行在推动产业与金融融合方面展现出积极姿态。平 安银行上海分行公司业务管理部负责人王春旭受邀出席，并在主题发言中系统阐述了平安银行在服务科 创企业、赋能新兴产业发展方面的战略布局与实践成果。 聚焦科创企业全生命周期，平安银行推出多元化金融支持体系 王春旭表示，面对低空经济、人工智能等新兴技术驱动型产业，平安银行已构建覆盖企业全生命周期的 金融服务方案，包括初创期信用贷款、成长期供应链金融、成熟期跨境并购支持等综合化产品体系。他 指出，低空经济作为国家战略性新兴产业，具有技术密集、资本密集、周期较长的特点，银行机构需 以"三大心态"深度融入产业发展： 一是以"细致务实"的心态夯实产业基础服务，聚焦企业从研发到商业化各阶段的融资需求，积极参与低 空基础设 ...

Group 1 - The core idea of the article is that the Shandong Branch of Bank of China is actively promoting financial education and consumer rights protection through a series of innovative activities during the "Financial Education Promotion Week" [1][3][5] - The bank has organized 480 "Financial Education Pioneer Teams" to deliver financial knowledge to various communities, including fishing villages, urban business districts, and schools, emphasizing the theme of "protecting financial rights and supporting a better life" [1][3][5] - Specific activities include financial education initiatives in port cities like Rizhao, Yantai, and Weihai, focusing on core industries such as port logistics and marine equipment manufacturing, providing credit support and supply chain financial policy interpretations [3][5] Group 2 - The "Financial Education Promotion Week" also targets fishing villages, with initiatives like the "Fishing Village Promotion Team" that addresses the specific financial needs of fishermen, teaching them about savings and investment strategies [5][6] - In addition to fishing villages, the bank has engaged in various community outreach efforts, including performances and interactive financial education events in commercial areas, enhancing public awareness of financial knowledge [7][9] - The bank has collaborated with local regulatory bodies to conduct anti-fraud campaigns, using relatable language and local dialects to effectively communicate with diverse audiences, particularly in rural areas [9][11] Group 3 - The bank has integrated financial education with the back-to-school season, launching initiatives like the "First Lesson of the School Year" to educate students on financial safety and fraud prevention [12][13] - Collaborative efforts with local media have been established to enhance financial literacy through real case analyses, increasing public vigilance and confidence in financial institutions [15] - The ongoing commitment of the bank to financial education aims to continuously enrich the methods of outreach and expand communication channels, ensuring that financial education is accessible and impactful [15]

Core Viewpoint - The article emphasizes the importance of small and micro enterprises (SMEs) in the economy and highlights the efforts of CITIC Bank's Guangzhou branch to alleviate their financing difficulties through innovative financial products and supportive policies [2][5]. Group 1: Financing Support Mechanisms - CITIC Bank Guangzhou branch has established a financing coordination mechanism to support SMEs, resulting in a balance of over 600 billion yuan in inclusive loans by June 2025, serving nearly 30,000 SMEs [2][5]. - The bank has formed a dedicated task force to facilitate the implementation of policies aimed at supporting SMEs, ensuring that inclusive loan indicators are included in branch performance assessments [3][4]. Group 2: Innovative Financial Products - The bank has introduced innovative products such as "Science and Technology e-loan," "Supply Chain Finance," and "Government-Bank-Guarantee Cooperation" to address the unique financing needs of SMEs, characterized by short, small, frequent, and urgent requirements [4]. - Specific case studies illustrate the bank's tailored financial solutions, such as a 10 million yuan credit loan for a technology company and a flexible repayment plan for a steel trading company, leading to significant revenue growth for these businesses [4][5]. Group 3: Economic Impact and Future Outlook - The support provided by CITIC Bank has resulted in a win-win situation, enhancing the development of SMEs and contributing to regional economic growth, with the bank's SME loan balance exceeding 150 billion yuan by mid-2025, an increase of over 10 billion yuan since the beginning of the year [5]. - Looking ahead, CITIC Bank plans to deepen its financing coordination mechanisms to further enhance its support for SMEs and contribute to the high-quality development of the Guangdong-Hong Kong-Macao Greater Bay Area [5].

规模效益稳健增长，业务结构持续优化 2025年上半年，徽商银行交出了一份亮眼的成绩单。该行近日发布的2025年中期业绩报告显示，截至6 月末，徽商银行资产总额突破2.25万亿元，较上年末增长11.82%；存款总额12520.04亿元，较上年末增 长9.92%；贷款总额11005.33亿元，较上年末增长9.82%，主要核心指标均稳步提升，实现营业收入 211.57亿元，较上年同期增长2.25%；净利润93.28亿元，较上年同期增长3.81%，盈利能力保持稳健。 从报告可以看出，徽商银行在保持规模效益稳健增长的同时，积极推进业务结构优化，创新转型动能强 劲，投行与交易银行业务表现出色，市场竞争力显著提升。上半年，该行完成债务融资工具发行98单， 合计金额793.42亿元，其中承销规模294.20亿元，市场影响力持续扩大。交易银行业务中，供应链金融 投放较上年同期增长64.53%，资产托管规模突破1.2万亿元，较上年末增长7.4%，特色业务打响品牌， 走出趋势。 得益于转型发展成效，徽商银行在国际国内排名中持续跃升。2025年，徽商银行在英国《银行家》杂志 全球银行1000强中排名第101位，较上年上升11位。该行 ...

Group 1 - The core viewpoint emphasizes that China's economic stability relies on the transition from old to new driving forces, particularly through technological innovation and emerging social demands [2] - The financial industry is crucial in supporting new industries driven by technologies like AI, which require significant capital investment and innovative financing solutions [2][3] - The financial sector can leverage new technologies to enhance its own operations while providing necessary support for the rapid implementation of these technologies [2][3] Group 2 - The resilience of foreign trade is highlighted as a key factor in China's economic response to downward pressures, with new outbound trade models requiring robust financial support [3] - The financial industry has accumulated substantial experience in cross-border and supply chain finance, which can be utilized to support the evolving foreign trade landscape [3][4] - The development of technologies such as AI and blockchain is expected to enhance the financial sector's ability to provide tailored services for new outbound trade models [4] Group 3 - New social trends, such as an aging population, present both challenges and opportunities for the financial industry, particularly in the area of pension finance [4] - The pension finance sector is still in its early stages in China, indicating significant growth potential that can contribute to the economy by addressing various financial needs related to aging [4][5] - The transition of old and new driving forces, along with market consolidation through mergers and acquisitions, will create new demand for financial services [5] Group 4 - The financial industry is expected to play a vital role in facilitating the high-quality development of China's economy by empowering new driving forces and demands [5]

Core Viewpoint - The article discusses the unprecedented challenges faced by Chinese financial enterprises due to macroeconomic adjustments, financial market volatility, and policy misalignment, emphasizing the need for a strategic transformation through the "Four Integration Strategies" to achieve sustainable growth [1][3][24]. Group 1: Challenges and Opportunities - Chinese financial enterprises are encountering significant external pressures, including divergent monetary policies globally and tightening domestic regulations, leading to a shrinking net interest margin and increased risk exposure [1][3]. - The rapid development of financial technologies such as AI, big data, and blockchain presents both challenges and opportunities for financial enterprises to innovate their business models and risk management [1][3]. Group 2: Four Integration Strategies - The "Four Integration Strategies" proposed for financial enterprises include ecological integration, deep industry engagement, batch expansion, and model innovation, which are essential for navigating through economic cycles and building strategic resilience [3][24]. Ecological Integration - Financial institutions should break the limitations of single product offerings by integrating resources and services to create differentiated value propositions, thus enhancing customer loyalty and reducing price sensitivity [5][6]. - A comprehensive resource integration mechanism should be established, linking internal financial services with external industry and technology platforms to form a robust resource network [6][7]. Deep Industry Engagement - Financial enterprises must adopt a deep understanding of industry dynamics to create competitive advantages, transitioning from being mere financial intermediaries to becoming value partners within industries [9][11]. - A thorough industry research approach is necessary to identify genuine opportunities and avoid following trends blindly, ensuring that financial services align with actual market needs [11][13]. Batch Expansion - The strategy of batch expansion focuses on collective customer development and standardized product offerings to meet the dual demands for scale and efficiency in the financial sector [15][16]. - Financial enterprises should leverage industry chain leaders to reach small and medium-sized enterprises effectively, enhancing operational efficiency and reducing costs [17][19]. Model Innovation - Model innovation is crucial for financial enterprises to adapt to market changes, involving innovations in product design, marketing services, and operational management to create a sustainable competitive edge [20][21]. - Emphasizing the integration of environmental, social, and governance (ESG) factors into business decisions aligns with the growing trend of sustainable development, enhancing both commercial and social value [21]. Conclusion - The "Four Integration Strategies" are not merely additive but interlinked, creating a comprehensive growth loop that emphasizes ecological foundations, industry core capabilities, batch expansion, and continuous innovation, essential for achieving sustainable growth in the financial sector [24].

Core Viewpoint - Ant Group and Zhejiang Zheshang Bank have signed a strategic cooperation agreement to deepen collaboration in various financial sectors, leveraging AI to explore new growth opportunities in the financial industry [1] Group 1: Areas of Cooperation - The partnership will focus on financial technology, basic technology, corporate finance, retail finance, financial markets, and inclusive finance [1] - Both companies aim to enhance cooperation in AI agent construction and application, large model defense, distributed microservice systems, and databases [1] Group 2: Business Collaboration - The collaboration will also extend to wealth management, small and micro loans, and supply chain finance [1] - The goal is to jointly build a digital financial ecosystem that creates more value for society [1]

Group 1 - The core viewpoint of the article highlights that Xi'an Economic and Technological Development Zone Financial Holding Co., Ltd. (referred to as "Jingkai Financial Holdings") has maintained an "AA+" credit rating with a stable outlook for 2025, reflecting strong recognition of its past performance and future potential [1][2] - Jingkai Financial Holdings has successfully established a diversified financial service system, including equity investment, industrial funds, supply chain finance, financing guarantees, leasing, commercial factoring, and asset management, providing comprehensive financial support to local enterprises [1] - The company emphasizes risk prevention and internal management, continuously enhancing its internal management system and risk control mechanisms, which has led to steady asset growth and improved profitability [1] Group 2 - In the future, Jingkai Financial Holdings aims to serve the regional real economy, mitigate financial risks, and drive financial reform through innovation, aligning with the high-quality development goals of the Economic Development Zone [2] - The company plans to deepen financial supply-side reforms, enrich its financial product offerings, enhance professional service quality, and strengthen talent development and technological empowerment to support regional economic transformation and industrial upgrading [2]