中国人民银行货币政策委员会日前召开的2025年第二季度（总第109次）例会指出，当前，我国经济呈 现向好态势，社会信心持续提振，高质量发展扎实推进，但仍面临国内需求不足、物价持续低位运行、 风险隐患较多等困难和挑战。下阶段，要引导金融机构加大货币信贷投放力度，使社会融资规模、货币 供应量增长同经济增长、价格总水平预期目标相匹配。 "以旧换新政策的持续推进，为金融机构发展相关消费金融业务提供了广阔空间和机遇。"中国银行研究 院研究员范若滢认为。 支持民营和小微企业健康发展 今年上半年，面对复杂局面，银行业金融机构积极布局科技创新等经济增长新动能领域，扎实推动经济 高质量发展。下半年，结合本次例会部署，扩大内需、稳定预期、激发活力，推动经济持续回升向好， 仍是银行业金融机构的重要工作。 近期，中国人民银行等六部门联合印发《关于金融支持提振和扩大消费的指导意见》（以下简称《指导 意见》），旨在完善扩大消费长效机制，更好满足消费领域金融服务需求。 "总体上看，既是应对当前消费复苏压力的政策'工具箱'，也是推动消费金融生态长期优化的'路线 图'。"上海金融与发展实验室首席专家、主任曾刚在接受《金融时报》记者采访时表示， ...

Core Viewpoint - Construction Bank is actively enhancing its financing services for small and micro enterprises, transitioning from a passive response to proactive empowerment, with a focus on accessibility and suitable interest rates [1]. Group 1: Financing Initiatives - As of April 2023, Construction Bank has provided funding to over 1.4 million enterprises, with a total credit issuance of 1.8 trillion yuan [1]. - The bank has established a "236" work mechanism to improve customer service capabilities and address the actual difficulties faced by enterprises [1]. Group 2: Tailored Financial Solutions - Construction Bank customizes financial solutions for small and micro enterprises, such as the "Shanxin Loan" for a smart technology company, which successfully secured a loan of 670,000 yuan after resolving legal issues [2]. - The bank offers comprehensive financial services tailored to the specific needs of enterprises in key sectors like foreign trade, technology, and agriculture [2]. Group 3: Addressing Sector-Specific Challenges - A biological pharmaceutical company faced challenges due to rising international logistics costs and exchange rate fluctuations; Construction Bank provided a comprehensive service plan, including a loan of 2 million yuan and risk management solutions [3]. - A high-tech pig farming enterprise utilized the "Jianhang Huizhongni" app to apply for a technology enterprise credit loan, benefiting from rapid approval and disbursement [3]. Group 4: Agricultural Financing - The bank has developed a financing risk control model for the Lingbao apple industry, offering a pure credit, no-collateral, fully online loan product called "Yunong Zhenxing Loan (Apple Industry)" to meet the growing financial service demands of farmers [4]. - Construction Bank is committed to implementing national policies to enhance financial service precision and accessibility for small and micro enterprises, contributing to high-quality development of the real economy [4].

转自：新华财经 近年来，建行山东省分行以全链条金融解决方案，积极为出海企业提供结算服务的"及时雨"、商务撮合 的"连心桥"、普惠信贷的"加速器"、生态赋能的"朋友圈"，持续助力山东打造对外开放新高地。 结算赋能：让跨境资金"轻装上阵" 在企业出海征程中，资金结算曾是横亘在前的"礁石"——境外回款周期长、手续费高、流程繁琐，让不 少企业望而却步。 建行山东省分行敏锐洞察上述痛点，聚焦外贸外资企业需求，量身定制融资服务方案，与31家海外分行 和上千家境外代理行合作，打通国内国际资金市场，搭建跨境资金供给平台，有效降低企业融资成本。 该行还推出"跨境易支付、跨境E汇、购付汇一体化、收结汇一体化"等多个特色金融产品。其中，"跨境 易支付"被企业称作"金融快船"，以数字钱包为载体，B2B点对点支付，实时清算，可实现收款全线上 化、零手续费、无限额到账，让每一笔海外营收都能"轻装上阵"。一位企业负责人坦言："过去回款 像'翻山越岭'，现在建行让资金'秒达全球'，企业的现金流周转效率大大提升。" 撮合搭桥：让全球商机"近在咫尺" 企业出海，不仅需要"走出去"的勇气，更需要"联得上"的机遇。近年来，建行山东省分行在山东省商务 ...

Core Viewpoint - Small and micro enterprises are crucial for stabilizing the economy and ensuring employment, as well as being important sources of innovation. The China Construction Bank is actively supporting these enterprises by providing financing and services tailored to their needs [1]. Group 1: Financing Initiatives - China Construction Bank has injected funds into over 1.25 million enterprises, with a total credit exceeding 1.5 trillion yuan [1]. - The bank has established a "236" work mechanism to enhance customer service and address the actual difficulties faced by enterprises [2]. - The bank's approach includes a six-step method for client visits, focusing on identifying and solving problems [2]. Group 2: Problem-Solving and Support - During visits, the bank collects detailed information on the challenges faced by enterprises and develops tailored solutions [3]. - A specific case involved a small technology company that received a customized financing solution after resolving a legal issue, resulting in a loan of 670,000 yuan [3]. Group 3: Sector-Specific Services - The bank provides differentiated services for key sectors such as foreign trade, technology, consumption, and agriculture, implementing "one enterprise, one policy" strategies [4]. - A foreign trade company received a 2 million yuan loan and additional support for managing exchange rate risks and logistics costs [4]. - A technology company focused on the pig farming industry was able to secure a specialized credit loan quickly, enhancing its financing efficiency [5]. Group 4: Consumer and Agricultural Support - A consumer goods company successfully obtained a 300,000 yuan loan to alleviate financial pressure from rising raw material costs [6]. - An agricultural financing model was developed for apple growers, allowing for quick, unsecured loans to support the expansion of the apple industry [7]. Group 5: Sustainable Financial Mechanisms - The bank is addressing issues like "difficulties in renewing loans" and "reluctance to lend" by implementing sustainable financial service mechanisms [8]. - A medical technology company benefited from a quick loan renewal process, demonstrating the bank's responsiveness to client needs [8]. Group 6: Risk Management and Support - The bank has established a "duty exemption" policy for credit staff, encouraging them to support enterprises without fear of penalties for unforeseen loan defaults [9]. - The bank aims to enhance the precision and accessibility of financial services for small and micro enterprises, contributing to high-quality economic development [9].

Core Insights - The performance of A-share listed rural commercial banks in 2024 shows significant growth, with notable leaders being Chongqing Rural Commercial Bank and Shanghai Rural Commercial Bank, whose revenue and net profit gaps are narrowing [1][2] - Changshu Bank stands out with the highest net interest margin among all rural commercial banks and A-share listed banks, achieving a net interest margin of 2.71% [3][5] - Many rural commercial banks have seen substantial increases in investment income due to favorable market conditions, with some banks reporting over 100% growth in this area [9][12] Group 1: Performance Comparison - Chongqing Rural Commercial Bank achieved approximately 28.3 billion in revenue, while Shanghai Rural Commercial Bank reached about 26.6 billion, with both banks significantly outperforming others [2] - The net profit for Shanghai Rural Commercial Bank and Chongqing Rural Commercial Bank was 12.6 billion and 11.8 billion respectively, indicating a close competition [2] - The revenue gap between the two banks is around 1.5 billion, and the net profit gap is less than 1 billion [2] Group 2: Changshu Bank's Leadership - Changshu Bank's net interest margin of 2.71% is significantly higher than the average of other rural commercial banks, which are generally below 2.0% [3][5] - The bank's loan structure, with 56% of total loans being personal loans, contributes to its leading position in net interest margin [5] - The average interest rate on personal loans for Changshu Bank reached 6.8%, the highest among A-share listed rural commercial banks [6] Group 3: Investment Income Growth - Several rural commercial banks, including Zhangjiagang Bank, Zijin Bank, and Ruifeng Bank, reported investment income growth rates exceeding 100% [9] - Zhangjiagang Bank attributed its investment income increase to a significant expansion in its bond trading account [12] - Chongqing Rural Commercial Bank's investment income growth was driven by improved market analysis and diversified investment strategies [13]