证券日报网讯 10月13日晚间，人福医药发布公告称，公司于2025年9月12日召开2025年第四次临时股东 会，审议通过了《关于与招商局集团财务有限公司签订暨关联交易的议案》，同意公司与招商局集团财 务有限公司（简称"招商局财务公司"）签订《金融服务协议》。近日，公司与招商局财务公司正式签订 了《金融服务协议》，协议内容与股东会审议通过的内容一致，协议约定招商局财务公司为公司提供存 款、结算、信贷、外汇及其他金融服务，并约定本公司在招商局财务公司日终存款余额不超过人民币2 亿元，招商局财务公司向本公司授予的每日最高未偿还贷款结余不得超过人民币5亿元；协议期限三 年。 （文章来源：证券日报） ...

转自：新华财经 新华财经上海10月13日电（记者 王淑娟）作为连接金融与实体经济的重要纽带，银行对公业务的谋篇布局与经济发展同频共振。中国是星展银行的重点市 场之一。在当前中国经济向高质量发展切换、企业国际化步伐加速的背景下，星展中国如何把握机遇？近日，新华财经专访了星展中国董事总经理、企业及 机构银行部主管洪诚明，解析星展中国对公业务的转型路径、差异化策略。 "经济调整周期也是银行对公业务寻找新增长极的关键窗口期。"谈及近两年星展中国对公业务的核心变化，洪诚明指出两大核心方向：一是紧扣国家高质量 发展导向，深耕新兴行业与转型行业机遇；二是顺应企业国际化的出海趋势，为企业全球化布局提供适配金融服务。 聚焦新经济赛道企业需求 支持新质生产力发展是星展中国企业与机构业务的核心战略重点之一。今年4月洪诚明履新星展中国企业及机构银行部主管，他进一步规划整合了星展中国 的"新经济"团队，深化对新经济产业集群的洞察和支持。 洪诚明表示，在新经济赛道上，星展银行一直致力于为这些创新型企业提供从初创孵化到全球化扩张的全链条、全周期的金融支持。"我们构建了一个非常 独特的'技术基建+资本赋能+生态链接'的三维模式，形成一个立体 ...

吉通讯部长巴赫敦表示，吉布提邮政银行将提供"简单易用、人人适用"的储蓄、信贷、转账和支付 服务，特别是面对年轻人、退休人员和农村居民。此外，吉邮政还将设立呼叫中心为吉年轻人创造就业 机会、设立一站式公共服务中心让用户在首都的邮政机构办理多项行政手续、与亚马逊法国和Cart'in合 作开发电子商务等。 吉布提民族报10月9日报道，本周三，法国开发署和法国邮政对建立吉布提邮政银行的技术援助项 目正式完成。吉布提邮政银行项目是吉国家战略"吉布提2035愿景"的一部分，是吉政府、法国开发署和 法国邮政共同合作成果。 （原标题：吉布提成立邮政银行） ...

Core Viewpoint - The report emphasizes the role of platform economy in enhancing inclusive finance, highlighting the need for a stakeholder perspective to ensure sustainable growth in the future [1][3]. Group 1: Digital Payment and Credit Accessibility - The platform economy has significantly advanced digital payment in China, with the usage rate among adults rising from 49% to 89% over the past decade [1]. - The proportion of adults obtaining credit from formal financial institutions increased from 20% to 41% in the same period, driven by technological innovations in digital risk control and alternative data applications [1]. Group 2: Employment and Economic Impact - Platforms have reshaped resource allocation efficiency by reducing transaction costs and enhancing matching efficiency, leading to the online transformation of various economic activities [2]. - The development of platforms has created new job opportunities, improved employment matching efficiency, and integrated employment resources, contributing to rural development and entrepreneurship [2]. Group 3: Financial Well-being and Consumer Focus - The report suggests that the focus should shift from mere accessibility to enhancing consumer financial well-being, particularly in the insurance and wealth management sectors [3]. - It highlights the importance of addressing issues such as data privacy and price discrimination, advocating for a shift towards "suitability" in services provided to consumers [3].

Core Insights - The platform economy in China has evolved from an "emerging phenomenon" to a "core driving force" over the past two decades, significantly impacting various industries and connecting millions of merchants, flexible workers, and a large consumer base [1] - The "China Inclusive Finance Development Report (2025)" highlights that the core value of the platform economy lies in its ability to reshape resource allocation efficiency through digital technology, reducing transaction costs and enhancing matching efficiency [1][2] - The report emphasizes the importance of transitioning from a "zero-sum game" mindset to building a "win-win ecosystem" to address the challenges posed by the platform economy [3] Summary by Sections Platform Economy Impact - The platform economy has become a fundamental operational mode in the national economy, enabling significant online economic activities such as shopping, transportation, and dining, while also fostering new business models like digital marketing and smart logistics [1] - It has played a crucial role in empowering small and micro businesses, promoting rural development, and facilitating entrepreneurship and employment [1] Financial Sector Exploration - Platforms have emerged as valuable complements to traditional financial institutions, leveraging their traffic, technology, and data advantages [2] - In the payment sector, the digital payment usage rate among adults in China has surged from 49% to 89% over the past decade, marking a significant upgrade from cash to mobile payments [2] - In the credit sector, the proportion of adults obtaining credit from formal financial institutions has increased from 20% to 41% due to innovations in digital risk control and alternative data applications [2] - Platforms have also enhanced consumer access to insurance and wealth management products through innovative channel strategies and embedded services [2] Challenges and Solutions - The report identifies new challenges arising from the platform economy's growth, advocating for a shift towards a collaborative ecosystem rather than a confrontational approach [3] - It highlights the need for addressing consumer concerns regarding data privacy and price discrimination, shifting the focus from mere availability to appropriateness of services [3] - The recognition of flexible workers as "ecosystem partners" is essential, along with efforts to improve social security coverage for this group [3]

Core Viewpoint - The company intends to sign a Financial Service Agreement with Lu'an Group Finance Co., Ltd. to optimize financial management, improve fund utilization efficiency, and reduce financing costs [2][5]. Summary by Sections 1. Overview of Related Transactions - The proposed Financial Service Agreement will allow Lu'an Finance Co. to provide deposit, credit, settlement, and other financial services to the company and its subsidiaries [5]. - The agreement will be effective for 12 months upon approval by the shareholders' meeting [5]. - The controlling shareholder of the company and Lu'an Finance Co. are both controlled by Shanxi Lu'an Mining (Group) Co., Ltd., making this a related transaction [3][5]. 2. Financial Services Details - The financial services include: 1. Settlement services with no handling fees for internal transfers [9]. 2. Deposit services with a maximum balance of RMB 3 billion, with interest rates not lower than those of major domestic banks [9]. 3. Credit services with a daily average credit limit of RMB 2 billion, with loan rates not exceeding those of major domestic banks [9]. 4. Bill services including acceptance, discounting, and pledge financing, with fees and rates not exceeding those of major domestic banks [10]. 5. Entrusted loan services with a maximum fee rate of 1.5% [10]. 6. Other financial advisory and consulting services with fees not exceeding those of third-party services [10]. 3. Transaction Limits - The company has set limits for financial services transactions with Lu'an Finance Co. to ensure financial control and transaction rationality, including a maximum deposit balance of RMB 3 billion and a daily average loan limit of RMB 2 billion [11]. 4. Purpose and Impact of the Related Transaction - The transaction aims to enhance the company's financial management, improve fund utilization efficiency, and lower financing costs without harming the interests of the company or its shareholders, particularly minority shareholders [18]. - The company’s main revenue and profit sources are not dependent on this related transaction, ensuring its independence [18]. 5. Approval Process for the Related Transaction - The transaction was approved by the company's board of directors with unanimous consent, and the related shareholders will abstain from voting at the shareholders' meeting [19][20].

Core Viewpoint - The article emphasizes the importance of protecting financial consumer rights and enhancing public awareness of financial rights through targeted promotional activities at the bank's branch [1][6]. Group 1: Financial Rights Protection Initiatives - The bank has implemented a "financial rights protection scenario transformation" in its branch, focusing on creating an environment that promotes awareness of financial rights [3]. - Promotional materials, including banners and posters, are strategically placed to convey the message that "protecting rights is closely related to a better life" [3]. - On-site presentations are designed around real-life financial rights cases and practical protection guidelines, addressing issues like illegal collection of personal financial information and misleading financial services [3][5]. Group 2: Targeted Training for Staff and Customers - Specialized training sessions for branch staff, including tellers and lobby managers, focus on three key areas of rights protection: personal financial information protection, access to legitimate financial services, and customer autonomy in financial transactions [5]. - For in-store customers, personalized sessions cover high-frequency rights areas such as savings and payment rights, investment and wealth management rights, and credit and insurance rights [5]. - The training emphasizes the importance of safeguarding personal information, understanding financial product details, and knowing how to file complaints or seek arbitration in case of disputes [5][6]. Group 3: Future Commitment to Rights Protection - The bank plans to continue enhancing its rights protection initiatives, integrating them into the entire service process to better safeguard public interests and contribute to a better life [6].

Group 1 - As of the end of July this year, Bosnia and Herzegovina's central bank foreign exchange reserves reached 17.67 billion marks, an increase of 1.23 billion marks compared to the same period last year, representing a growth rate of 7.5% [1] - The total domestic sector credit amounted to 27.47 billion marks by the end of July, showing a month-on-month increase of 128.8 million marks (+0.5%) and a year-on-year increase of 2.45 billion marks (+9.8%) [1] - Personal credit increased by 171.6 million marks (+1.3%) month-on-month, while private enterprises saw a decrease of 113.6 million marks (-1.0%) [1] Group 2 - The total domestic sector deposits reached 35.64 billion marks by the end of July, with a month-on-month increase of 1.12 billion marks (+3.2%) and a year-on-year increase of 3.13 billion marks (+9.6%) [1] - Government institutions experienced a significant month-on-month deposit growth of 729.9 million marks (+17.0%) [1] - Non-financial public enterprises saw a month-on-month increase in deposits of 80.4 million marks (+4.4%) [1]

Summary of Key Points Core Viewpoint - The company Shanghai Baosteel Packaging Co., Ltd. is renewing its financial service agreement with Baowu Group Finance Co., Ltd. to optimize financial management, expand financing channels, and reduce financing costs and risks [1][5]. Group 1: Overview of Related Transactions - The renewal of the financial service agreement constitutes a related transaction as both companies are controlled by China Baowu Steel Group Co., Ltd. [1][2]. - The financial service agreement aims to provide various financial services, including settlement and deposit services, to the company [3][4]. Group 2: Financial Status of Baowu Group Finance Co., Ltd. - As of December 31, 2024, Baowu Group Finance Co., Ltd. had total assets of 839.66 billion CNY, total liabilities of 739.48 billion CNY, and total equity of 100.19 billion CNY, with an operating income of 18.52 billion CNY and a profit of 2.03 billion CNY [2]. - By June 2025, the financial company reported total assets of 688.13 billion CNY, total liabilities of 585.04 billion CNY, and total equity of 103.09 billion CNY, achieving an operating income of 7.71 billion CNY and a profit of 4.00 billion CNY [2]. Group 3: Main Content of the Financial Service Agreement - The agreement includes services such as opening settlement accounts, providing payment and collection services, and offering deposit services with interest rates not lower than the average rates of major domestic banks [3][4]. - The maximum daily deposit balance for the company at the financial institution is set at 600 million CNY [4]. - The financial company will provide comprehensive credit services, including loans and bill acceptance, at preferential rates based on market conditions [4][5]. Group 4: Pricing Policy and Impact - The pricing for deposits and credit services will be based on the benchmark rates set by the People's Bank of China and negotiated between the parties, ensuring fairness and reasonableness [5]. - The financial services provided are expected to enhance the company's financial management and will not adversely affect its financial status or independence [5][6]. Group 5: Approval Process - The renewal of the financial service agreement has been approved by the company's board of directors, with related directors abstaining from voting, and will be submitted for shareholder approval [6][7].

Core Viewpoint - The central government emphasizes the importance of developing characteristic agricultural industry clusters to enhance agricultural industrialization, which requires effective financial support to address existing challenges in rural finance [1][2]. Financial Services and Challenges - Financial institutions have developed products for characteristic agriculture but lack deep integration into the entire agricultural industry chain, leading to insufficient overall support [1]. - Issues such as difficulties in connecting production and finance, challenges in financing credibility, and an underdeveloped rural credit system hinder financial services for characteristic agricultural industry clusters [2]. Recommendations for Improvement - A new model of "industry cluster + chain bank + financial solutions" is proposed, where a designated bank acts as a chain bank for specific agricultural industry clusters, enhancing research and tailoring financial products to diverse needs [3]. - Risk mitigation measures should be improved by integrating agricultural subsidy funds and utilizing financing guarantees, agricultural insurance, and risk compensation funds to attract more financial resources into rural characteristic industries [3][4]. Innovative Financial Products - Financial institutions are encouraged to develop financing products based on core transaction data such as accounts receivable and orders, providing more flexible and efficient credit support for agricultural operators [3]. - Innovative insurance products, including income insurance, yield insurance, index insurance, and geographical indication insurance, should be developed to extend agricultural insurance services along the characteristic agricultural industry chain [4].