责任编辑：栎树 关键词阅读：广东 科技保险 金融服务 2月2日，据广东省发改委网站，广东省发展改革委印发《广东省2026年优化市场化一流营商环境工作方案》。其中提到加大融资力度。加 强政银企对接，将每月10日设置为全省"金融服务日"，组织金融机构开展惠企政策宣介和融资对接。推广"信易贷""园区贷""科创贷"等模 式，丰富信用保证保险、数据资产质押、知识产权质押等多元化增信措施，推动小微企业融资可得性提升、融资成本降低。健全上市培育 孵化体系，支持突破关键核心技术的科技型企业上市。健全发债风险分担和奖补机制，推动更多科技企业亮相债券市场"科技板"。围绕科 技研发、科技成果转化、创业等场景，创新保险产品和服务。整合银行、保险、担保、融资租赁、股权投资机构等金融资源，为企业提 供"股贷担保租"联动服务。引导金融机构为企业提供贷款综合融资成本清单，争取2026年底明示企业综合融资成本贷款规模达到3000亿 元。 ...

Core Insights - The development of inclusive finance in China is showing a positive trend characterized by increased volume, expanded coverage, reduced costs, and improved quality [1] - By the end of Q3 2025, the balance of inclusive loans for small and micro enterprises reached 36.5 trillion yuan, a year-on-year increase of 12.1% [1] - The balance of inclusive agricultural loans reached 14.1 trillion yuan, with an increase of 1.2 trillion yuan since the beginning of the year [1] Group 1: Policy and Regulatory Framework - The National Financial Supervision Administration issued a notice in May 2025 emphasizing reasonable loan pricing and the need for a differentiated supply structure [2] - In June 2025, a joint implementation plan was released, outlining 16 specific measures for the development of inclusive finance over the next five years [2] Group 2: Service System Optimization - The plan includes optimizing the inclusive financial service system by establishing a multi-tiered, widely covered, and differentiated institutional framework [3] - It aims to enhance financial services in rural areas and improve monitoring and guidance for county-level financial services [3] Group 3: Credit System Enhancement - The plan focuses on improving the inclusive credit management system and enhancing the quality of credit services for small and micro enterprises [4] - It emphasizes the need for increased credit support for agriculture and rural areas, as well as for poverty alleviation efforts [4] Group 4: Insurance System Development - The plan calls for the establishment of a specialized management system for inclusive insurance and the development of diverse insurance products tailored to small and micro enterprises [5] - It aims to improve the quality of inclusive insurance services and streamline underwriting processes [5] Group 5: Competitive Landscape and Innovation - The regulatory focus is shifting from mere expansion to a more nuanced and sustainable approach, requiring financial institutions to clarify their roles and paths [6] - Large commercial banks are expected to lead innovation, while local banks should focus on serving small and micro enterprises [6] Group 6: Differentiated Regulation - There is a call for differentiated regulation based on the systemic importance and resource endowments of financial institutions, encouraging small banks to focus on local markets [7] - The emphasis is on supporting innovation in specific areas like technology finance and inclusive finance [7] Group 7: Product and Service Innovation - Financial institutions are encouraged to innovate in products and services to meet diverse financial needs, including promoting investment-loan linkage models [8] - The development of government-backed financing guarantee systems is also highlighted to enhance the capacity of these institutions [8] Group 8: Strategic Focus for Small Banks - Small banks are advised to concentrate on their core responsibilities and avoid a "one-size-fits-all" approach, focusing on quality in credit delivery [9] - They should leverage their local advantages to build unique customer bases and enhance their competitive edge [9]

12月29日下午，枣庄市政府新闻办走进生产第一线，于滕州清峦福兴机床生产车间举行"枣庄市优化营 商环境 助力民营经济高质量发展"新闻发布会。枣庄市发展改革委党组成员、副主任，枣庄市粮食和物 资储备局局长，新闻发言人张健作新闻发布。 印发民营企业金融服务专项通知，建立分类分层服务机制，聚焦制造业、科技型、外贸类及产业链上下 游民营企业精准施策。健全民营企业贷款尽职免责和容错纠错机制，合理提高民营企业不良贷款容忍 度，打消金融机构"惜贷""惧贷"顾虑。截至11月末，全市民营企业贷款余额810.84亿元，较年初增加 98.34亿元，同比增速15.39%；民营企业有贷款余额户数93540户，较年初增加4600户。 引导金融机构突破传统抵押依赖，积极推广"信易贷""银税互动"等纯信用产品，支持供应链上下游企业 开展订单贷款、应收账款融资等业务，大力推广"无还本续贷"模式，将续贷对象扩至全部小微企业，并 阶段性扩至中型企业，严禁盲目停贷、压贷、抽贷、断贷。截至11月末，民营企业信用贷款余额274.73 亿元，同比增长35.12%，中小微企业无还本续贷余额53.83亿元，同比增长144.57%。 用好小微企业融资协调工作机 ...

Core Insights - Siyang Rural Commercial Bank has enhanced its development strength through various measures such as deepening inclusive finance, strengthening digital empowerment, and optimizing institutional processes, achieving significant results in supporting the real economy and improving service quality [1] Financial Performance - As of the end of October, the balance of loans for agriculture and small micro enterprises reached 24.449 billion yuan, with a net increase of 1.988 billion yuan since the beginning of the year, representing an increase of 8.85% [1] - The balance of loans for the manufacturing sector reached 6.026 billion yuan, with a net increase of 1.08 billion yuan since the beginning of the year, reflecting a growth of 21.85% [1] Product Innovation - The bank has actively innovated financial products, launching specialized offerings such as "Industrial Factory Loan," "Private Credit Loan," and "Credit Easy Loan" to effectively meet the funding needs of new and quality enterprises [1] Marketing Strategy - The bank has implemented refined marketing strategies targeting different customer segments, successfully organizing activities to enhance critical customers, recover existing customers, and increase credit limits, thereby effectively revitalizing existing customer resources [1] Future Outlook - The bank aims to continue focusing on customer-centric approaches and technology-driven solutions, optimizing products and services to support high-quality local economic development while achieving stable and sustainable growth [1]

Core Viewpoint - The "Integrity and Business Promotion Month" in Guangdong aims to promote integrity culture, optimize the business environment, and enhance consumer confidence, thereby laying a solid credit foundation for high-quality economic development in the province [1][3]. Group 1: Event Overview - The event was launched on December 19 and is organized by multiple provincial departments, including the Guangdong Provincial Department of Commerce and the Provincial Court [1]. - The initiative has been ongoing for 21 years, indicating a long-term commitment to fostering integrity in business practices across Guangdong [3]. Group 2: Key Objectives - The event focuses on three main objectives: 1. Using credit as a "strong engine" to invigorate trade and commerce [3]. 2. Enhancing consumer confidence through credit initiatives [3]. 3. Promoting a new ethos of integrity in business practices [3]. Group 3: Credit System Development - Guangdong has made significant progress in building a credit system, recognized as a national leader, having received the provincial "demonstration unit" award six times [3]. - The province has authorized 3.68 million enterprises to access financing through various credit service platforms, facilitating over 1.9 trillion yuan in loans [3]. Group 4: Sector-Specific Initiatives - The tourism sector has seen the establishment of a credit rating system, with 300 A-level travel agencies and 356 quality rural hotels recognized, enhancing consumer safety and trust [4]. - A modern governance model has been implemented in customs management, improving efficiency and reducing compliance costs for 1,950 AEO enterprises [4]. Group 5: Collaborative Efforts - The event included a joint initiative where 13 provincial associations and over 80 enterprises committed to upholding integrity in business practices [4]. - Local governments are encouraged to tailor integrity promotion activities to deepen the integration of integrity concepts into business management and public awareness [5].

Core Viewpoint - The China Urban Credit Construction Summit held from December 12 to 14 in Taizhou, Zhejiang Province, introduced a governance framework of "institutionalization, capitalization, and modernization of people" for urban credit system development in the context of Chinese-style modernization [1][3]. Group 1: Credit System Development - China's social credit system has evolved over 26 years, starting from information construction to forming a national credit information sharing platform, recognized as a foundational market economy system in the 20th National Congress report [3]. - The 14th Five-Year Plan emphasizes the equal importance of integrity construction and legal system building, focusing on developing new productive forces and establishing a unified national market [3]. Group 2: Governance Innovation - The proposed governance path addresses new challenges in the digital era, such as "credit white households," "sleeping credit assets," and "credit gaps," facilitating the modernization of cities with Chinese characteristics [3][4]. - Institutionalization focuses on legal frameworks to promote integrity values, enhance mechanisms for joint punishment, credit restoration, and supervision, preventing credit misuse [4]. Group 3: Capitalization and Economic Applications - The capitalization aspect aims to define and strengthen the value of credit as "trust capital, social capital, reputation capital, and future capital," expanding credit economic applications like "credit loans," "credit healthcare," and "pay after use" [4]. - The concept of "credit as wealth" is promoted to benefit enterprises and the public, positioning credit as a "hard currency" in the market economy [4]. Group 4: Modernization of People - The modernization of people focuses on groups such as 300 million new citizens, farmers, and small and medium enterprises, promoting digital, ecological, and inclusive credit systems to address the "credit white household" issue [4]. - It aims to fill gaps in credit services across various sectors, including agriculture, employment, marriage, food safety, elderly care, and e-commerce [4]. Group 5: Innovative Practices and Outcomes - Several innovative practices have been implemented, such as Zhejiang's "Qinghe Station" providing job-seeking accommodation for students, Shenzhen's establishment of the first "credit economy experimental zone," and Wuhan's carbon points exchange for mortgage policies [5]. - These initiatives leverage "credit + livelihood," "credit + digital," and "credit + ecology" models to enhance public services and grassroots governance modernization [5]. Group 6: Summit Objectives - The China Urban Credit Construction Summit serves as a high-level exchange platform for social credit system development, aiming to foster dialogue, build consensus, and promote practical applications in credit construction [5].

Core Insights - The article highlights the efforts of Cangzhou Botou City in Hebei Province to address financing challenges for enterprises and improve the financial business environment through a concentrated promotion of inclusive financial policies [1] Group 1: Financial Initiatives - Botou City has focused on the development of the real economy by innovating an "online + offline" interaction model to regularly collect financing needs from enterprises [3] - Financial institutions have been guided to conduct "one-on-one" connections with businesses, launching credit loan products such as "Industry Cluster Loan," "Credit Easy Loan," and "Cloud Tax Loan" [3] - A total of 132 various government-bank-enterprise connection activities have been held, engaging over 2,000 enterprises and disbursing loans amounting to 4.65 billion yuan [3] Group 2: Support for Foreign Trade - The city has collaborated with banks to conduct digital consumption marketing activities to stimulate consumer vitality [3] - Financial institutions are encouraged to enhance support for foreign trade enterprises, utilizing online products like Cross-Border Quick Loan and Foreign Trade Cloud Loan, providing nearly 100 million yuan in financing support to over 50 foreign trade enterprises this year [3] Group 3: Future Plans - The city plans to continue deepening the collaboration between government, banks, and enterprises, enriching the inclusive financial product system, and improving financial service mechanisms [3] - There will be an expansion of policy promotion coverage to provide solid financial support for various market entities to alleviate difficulties and foster growth [3]

Core Insights - The Hong Kong and Shenzhen governments have jointly released an action plan to develop a global fintech center from 2025 to 2027, aiming to enhance collaboration in the fintech sector and strengthen their respective financial positions [1] Group 1: Strategic Objectives - The action plan focuses on six key dimensions to foster collaboration in fintech, aiming to create a globally competitive fintech ecosystem [1] - The plan emphasizes the establishment of various research and evaluation centers by national financial regulatory bodies in both regions [1] Group 2: Technological Innovation - There will be increased support for the research and development of foundational fintech technologies, encouraging collaboration between universities and enterprises [2] - The plan includes subsidies for computing power to reduce costs for enterprises and explores cross-border data flow mechanisms [2] Group 3: Financial Integration - The action plan promotes the integration of fintech with various sectors, including technology finance, green finance, and digital inclusive finance [2] - It encourages the development of specialized financial products for elderly care and the expansion of digital RMB applications in retail and trade [2] Group 4: Regulatory Environment - The plan aims to enhance regulatory cooperation and improve financial risk monitoring systems, utilizing AI for dynamic regulation [3] - It includes measures to attract specialized talent and promote the development of a fintech brand unique to the Hong Kong-Shenzhen region [3]

Core Insights - The Hong Kong SAR government and Shenzhen's local financial management bureau jointly released an action plan to develop a global fintech center from 2025 to 2027, aiming to enhance collaboration in the fintech sector and strengthen the financial positions of both cities [1] Group 1: Strategic Objectives - The plan focuses on six dimensions to deepen fintech collaboration, aiming to create a globally competitive fintech ecosystem that supports Hong Kong's status as an international financial center and Shenzhen's development as a significant industrial financial hub [1] - Key initiatives include attracting fintech entities, establishing research and evaluation centers, and encouraging Hong Kong payment institutions to set up cross-border payment services in Shenzhen [1] Group 2: Technological Innovation - There will be increased support for the research and development of foundational fintech technologies, with encouragement for universities and enterprises to co-establish laboratories and cross-border research institutions [2] - The plan includes subsidies for computing power to reduce costs for enterprises and aims to explore cross-border financial data flow mechanisms [2] Group 3: Sectoral Integration - The action plan emphasizes the integration of fintech with various sectors, including technology finance, green finance, and digital inclusive finance, promoting innovative financing solutions and products [2] - Specific initiatives include supporting Shenzhen tech firms in utilizing Hong Kong's listing channels and promoting sustainable development offshore RMB bonds [2] Group 4: Regulatory Environment - The plan aims to enhance the regulatory framework by deepening innovative regulatory pilot cooperation and improving financial risk monitoring systems [3] - It includes the application of artificial intelligence in dynamic regulation and the incorporation of ethical reviews into the development processes of fintech companies [3] Group 5: Talent and Ecosystem Development - To foster a conducive development environment, the plan proposes talent policies to attract specialized professionals and enhance collaboration with global financial centers [3] - Various activities, such as digital finance forums and result showcases, will be organized to promote the fintech brand unique to the Hong Kong-Shenzhen region [3]

Core Viewpoint - The Hong Kong SAR government and Shenzhen's local financial management bureau have jointly released an action plan to establish a global fintech center between the two regions from 2025 to 2027, aiming to enhance collaboration in the fintech sector and drive high-quality financial development in the Guangdong-Hong Kong-Macao Greater Bay Area [1]. Group 1: Focus on Industry Aggregation and Technological Innovation - The action plan emphasizes the cultivation and aggregation of fintech entities, aiming to establish various research and evaluation centers in both regions, and encourages Hong Kong payment institutions to set up cross-border payment technology services in Shenzhen [3]. - It supports the establishment of global fintech headquarters in Hong Kong for qualified financial institutions and aims to expand international markets through a fintech alliance, addressing the digital transformation needs of countries along the Belt and Road Initiative [3]. - There will be increased support for the research and development of foundational and key technologies in fintech, encouraging collaboration between universities and enterprises to explore applications of technologies like artificial intelligence in finance [3]. Group 2: Expanding Application Scenarios - The action plan aligns with the construction requirements of the "Five Major Articles," promoting deep integration of fintech with various fields, including supporting Shenzhen tech firms in utilizing Hong Kong's unique listing channels for financing [5]. - In the green finance sector, it aims to deepen the application of corporate carbon accounts and promote sustainable offshore RMB bond issuance in Hong Kong [5]. - The plan also focuses on digital inclusive finance, enhancing financing services for small and micro enterprises, and expanding the coverage of products like "Credit Ease" and "Micro Enterprise Pass" [5]. Group 3: Optimizing Regulatory Ecosystem - To create a favorable development environment, both regions will deepen innovative regulatory pilot cooperation and utilize cross-border fintech innovation regulatory tools [7]. - There will be enhancements in regulatory technology and financial risk monitoring systems, exploring the application of artificial intelligence in dynamic regulation to achieve early identification and warning of risks [7]. - The plan includes talent recruitment policies and the establishment of a "Shenzhen-Hong Kong-Macao Fintech Specialist" program, along with various activities to deepen cooperation with global financial centers [7].