转自：新华财经 未来，邮储银行青岛分行将继续打磨服务细节，让金融不仅是资金支持，更成为个体工商户敢闯敢干 的"底气"，为青岛经济的"烟火气"注入更持久的生命力。（蒋芳） 编辑：赵鼎 以"靶向劲"破解发展痛点，让资源对准商户真需求。个体工商户需求多元，"一刀切"的服务模式难以适 配。邮储银行青岛分行将"政银联动"作为破局关键，各支行行长每月带队走访市场监管局、工商联、行 业协会，既精准把握最新产业政策，又收集优质商户名录，告别"大海捞针"式盲目营销。在此基础上， 该行以二级支行为单位深耕重点市场及网格特色行业，实施差异化服务策略。针对餐饮服务类商户现金 流高频、季节性波动大、缺乏抵押、用款急的特点，匹配纯信用"产业贷"，单户最高授信可达100万 元，且支持随借随还；面对零售批发类商户存货周转快、账期不稳、融资成本敏感的问题，提供供应链 金融支持，搭配零手续费聚合支付服务。 以"渗透劲"打通宣传链路，让政策走进商户视野。邮储银行青岛分行将线下场景作为宣传主阵地，善于 借"外力"搭平台：一方面依托政府资源，在市场监管部门、工商联举办的商户培训会上，把专业金融政 策转化为"商户听得懂的干货"；另一方面借助商户力量，通 ...

Group 1 - The core point of the article highlights that Bohai Bank's Fuzhou branch successfully facilitated financing for 21 upstream suppliers of a well-known sports brand through a supply chain finance model, with a total investment exceeding 68 million yuan in just one day [1] - The service not only alleviates financial pressure for small and medium-sized enterprises but also enhances the stability and competitiveness of the entire supply chain by leveraging the credit of core enterprises [1] - Bohai Bank has focused on addressing the financing challenges faced by small and micro enterprises in the supply chain, positioning supply chain finance as a key driver for inclusive financial development [1] Group 2 - The bank's online business process allows upstream suppliers to complete financing applications and related operations without offline efforts, achieving the fastest "same-day completion" from application to fund disbursement [2] - Utilizing big data risk control models and cross-verification of transaction data, the bank enhances the efficiency of the approval process [2] - Currently, Bohai Bank's customer acquisition ratio through core enterprises is as high as 1:10, with over 90% of new inclusive customers being driven by this model [2]

随着南沙未来发展提升到国家战略层面，《南沙方案》《金融30条》等政策相继推出，给南沙营商环境 和实体经济的发展注入了一阵阵强心剂。在金融服务实体经济的浪潮中，招商银行南沙分行积极响应政 策号召，深度融入区域发展脉络，以政银协同为引擎，围绕专精特新企业培育、小微企业扶持、产业创 新发展等维度，为企业搭建资源对接与服务平台，精准对接企业金融需求，助力区域企业发展和产业升 级，在南沙产业与企业服务版图上持续深耕，勾勒金融赋能实体经济的生动图景，以金融之力赋能实体 经济高质量发展。 政策宣讲搭台 激活"小升规"新动能 一场聚焦"小升规"的政策宣讲会，成为南沙分行深耕产业的生动注脚，该行联合南沙工信局、人社局举 办2025年度"小升规"南沙区政策宣讲会，26家潜力企业代表齐聚。南沙工信局化身"政策解读者"，拆解 升规后资金奖励、税收优惠细则，演示"易企行"平台，让企业一键触达政务资源；人社局聚焦用工保 障，从社保补贴到技能培训，破解人力难题；招行普惠金融部更带来"金融工具箱"——信用贷、抵押融 资、供应链金融等产品矩阵，精准匹配企业资金周转与扩张需求。这场政企银"三方对话"，通过政策宣 讲与案例剖析，让企业对"小升规" ...

时政要闻 工信部：统筹推进中试平台做优做强，补齐人工智能、人形机器人等关键行业领域中试供给 近日，工业和信息化部办公厅印发《关于进一步加快制造业中试平台体系化布局和高水平建设的通知》（以下简称《通知》），统筹推进中试平 台做优做强。 《通知》提出，到2027年底，高水平中试平台力量进一步壮大，现代化中试平台体系基本建立，多主体参与、多领域布局、多层次服务的全国制 造业中试服务网络初步形成。 《通知》明确，按照"做强一批、激活一批、补齐一批"的推进思路，引导中试平台按照"储备中试平台—工业和信息化部重点培育中试平台—国家 级制造业中试平台"的路径向更高水平迈进。 （原标题：推进中试平台做优做强，严控新车以二手车名义出口｜营商环境周报） 《通知》提出，对于发展低效的中试平台，引导开辟发展新领域、新赛道，进一步增强检验检测、试验验证核心功能，盘活资源、释放潜力，围 绕优势业务方向转型发展。 《通知》要求，聚焦人工智能、人形机器人、量子科技、清洁低碳氢、生物医药、工业母机、仪器仪表以及重大技术装备、新材料、信息技术等 关系未来发展、关乎产业安全、中试供给紧缺的关键行业领域，各地工业和信息化主管部门结合特色优势选择补齐 ...

0:00 21世纪经济报道 雷若馨 深圳报道 中国金融业的高质量发展正呼唤一场深刻的"专业化"转型。 北大汇丰金融研究院副院长李荻认为，"十五五"规划所强调的"专注主业、完善治理、错位发展"，正是 这场转型的关键方向。 "十五五"规划建议敏锐地捕捉到这一转变并指出了应对的方向，即每一家金融机构都应该充分认识自身 的资源禀赋、能力边界和比较优势，做好规划，把资源配置到重点发展的优势领域和业务（即"主 业"），实现扬长避短和"错位发展"，而不是重复照搬。 怎么才能做到这一点呢？"十五五"规划建议中指出这要依靠"完善的治理"，金融机构深化公司治理结构 方面的改革。我觉得至少包括以下的几个方面。 一是强化董事会的专业化和功能性。董事会负责公司的战略规划，决定公司的发展方向。因此高效专业 的董事会是完善公司治理、推动公司"专注主业"、"错位发展"的基础。 二是要有专业的管理团队和高效的业务团队来执行和落实董事会确定的战略规划。这需要发挥董事会专 业的提名选拔的功能。 三是有清晰和一致的考核目标，并匹配相应的薪酬激励、升迁、调整等机制来有效地实现考核目标，增 强奖惩机制对考核目标的敏感度，鼓励专业主义和长期主义，抑制短期 ...

Core Viewpoint - The article emphasizes the importance of selecting appropriate financing products for businesses to adapt to market changes and achieve growth, highlighting various types of financing options and the services provided by Jiangsu Jinfu Digital Group Co., Ltd [1][11]. Financing Product Types - Credit loans are based on the company's credit history, requiring no collateral, making them suitable for short-term needs [2]. - Mortgage loans require assets as collateral, typically offering lower interest rates, ideal for companies with fixed assets needing larger amounts [3]. - Supply chain finance is designed around the relationships between businesses and their partners, utilizing accounts receivable and inventory financing to improve cash flow [4]. - Trade finance is tailored for international trade, including import/export financing options to address cross-border transaction challenges [5]. Key Considerations for Choosing Financing Products - Companies should accurately assess their funding needs to avoid underfunding or excessive costs [6]. - Different financing products have varying terms; short-term financing is suitable for temporary needs, while long-term financing is for significant investments [7]. - Total financing costs, including interest rates and fees, should be carefully calculated to ensure affordability [8]. - The repayment method impacts cash flow; companies should choose a repayment plan that aligns with their operational situation [9]. Innovative Financing Service Platform - Jiangsu Jinfu Digital Group has developed a trade finance service platform focused on providing comprehensive financial services for small and medium-sized cross-border trade enterprises [11]. - The platform offers a full lifecycle service for businesses, from exhibition services to cross-border settlement, ensuring a one-stop solution [12]. - Digital technology is leveraged for automated processing in various stages, enhancing transparency, efficiency, and security in fund usage [13]. - A specialized evaluation model for foreign trade enterprises helps reduce financing barriers and increase funding amounts [14]. - The platform introduces innovative settlement methods using digital RMB, allowing for same-day fund transfers without fees [15]. - It integrates various cross-border services, creating a comprehensive ecosystem to support businesses in international trade [16]. Recommendations for Using Financing Products - Companies should develop detailed funding plans aligned with their strategic goals, including usage, expected returns, and repayment sources [17]. - Establishing a robust risk management mechanism is crucial to ensure timely repayments and maintain a good credit record [19]. - Consulting professionals when selecting complex financing products is advisable to avoid misunderstandings [20]. - Regular evaluations of funding effectiveness should be conducted to adjust arrangements as necessary [21]. Conclusion - Financing products are essential tools for business development; understanding their characteristics and aligning them with actual needs can help seize growth opportunities [22]. - The innovative service platforms offered by institutions like Jiangsu Jinfu Digital Group provide diversified financing options, enabling businesses to adapt to changing market conditions [22].

Core Insights - The global economic and trade landscape is undergoing rapid restructuring, with finance playing an increasingly vital role in modern economies [1] - The 8th China International Import Expo and the "Financial Empowering Global Economic Development" forum highlighted China's commitment to high-level financial openness and global resource connectivity [1] Group 1: Shanghai's Financial Center Development - Shanghai is accelerating its development as an international financial center, supported by various government initiatives and documents aimed at enhancing financial openness [3] - The total trading volume in Shanghai's financial market reached 29.6783 trillion yuan from January to September this year, marking a 12.7% year-on-year increase [5] - Shanghai aims to build a cross-border investment and financing bridge, leveraging its free trade zone and new areas to facilitate cross-border financial services [5][6] Group 2: Global Trade and Financial Cooperation - The global trade and investment landscape is experiencing profound adjustments, yet cross-border trade remains a key driver of economic growth [7] - China is expanding its high-level openness and quality development, with retail sales expected to exceed 50 trillion yuan this year, maintaining its position as the world's second-largest consumer and import market [7] - Financial institutions are encouraged to provide diverse financial services to support foreign trade enterprises and enhance bilateral investment cooperation [7][8] Group 3: RMB Internationalization - The restructuring of global trade relations is timely for advancing the international use of the RMB, with banks encouraged to enhance offshore RMB product offerings [9] - The People's Bank of China has implemented measures to facilitate cross-border RMB transactions, reducing approval processes and enhancing efficiency [9][10] - Innovations in cross-border financial services are being developed to address the needs of enterprises engaged in international trade, improving their efficiency and risk management capabilities [10]

Group 1 - The eighth China International Import Expo opened on November 5, featuring the Hongqiao International Economic Forum, which focused on how finance can link global economic and trade opportunities [1] - Shanghai's financial market transaction volume reached 2967.83 trillion yuan from January to September, marking a 12.7% year-on-year increase [1] - Shanghai aims to deepen financial market reforms and promote high-level financial openness, leveraging its free trade zone and new areas for more flexible cross-border financial services [1] Group 2 - The restructuring of global supply chains has created new demands for cross-border financial services, prompting commercial banks to innovate and integrate logistics, information, and capital flows [2] - The internationalization of the renminbi is timely as China's trade relations deepen with more countries, with banks encouraged to enhance offshore renminbi financial products [2] - A strategic cooperation memorandum was signed between the Bank of China and the Hong Kong Trade Development Council, highlighting the commitment to financial innovation and global economic development [2]

Core Insights - Supply chain finance is becoming a crucial support for enterprises to stabilize, supplement, and strengthen their supply chains, driven by policy guidance and technological empowerment [1][2][3] Group 1: Policy and Market Trends - The People's Bank of China and other regulatory bodies issued a notification in April 2025 to support the optimization and upgrading of supply chains, focusing on key industries like manufacturing [1] - Financial companies are innovating in supply chain finance, exploring the integration of financial technology with supply chain scenarios to optimize processes and reduce costs [1][2] Group 2: Innovations and Practices - Huabei Mining's financial company has successfully implemented a dual-driven model of "electronic debt certificates + supply chain bills," showcasing effective one-stop financial services [1] - Southern Airlines' financial company completed a 215 million yuan airport fee bill settlement, establishing a new collaborative model involving multiple parties [2] Group 3: Talent and Skills Development - Financial companies are increasingly seeking composite professionals with expertise in international finance, treasury management, and financial technology to meet the evolving demands of supply chain finance [2][3] Group 4: Digitalization and Efficiency - The application of blockchain technology in supply chain finance has addressed financing challenges for long-tail suppliers, enhancing overall efficiency [3] - Financial companies are focusing on optimizing fund management across the entire supply chain to maximize resource allocation and improve financial control [3][5] Group 5: Industry Data and Growth Projections - In 2024, the financial company sector is expected to process 396 million settlement transactions, with a total settlement scale of 74.594 trillion yuan, reflecting significant growth in operational efficiency [6] - The supply chain finance industry in China is projected to exceed 60 trillion yuan by 2027, with a compound annual growth rate of 10.3% [7]

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]