文 | 胡军太 中央金融工作会议擘画蓝图，要求"做好科技金融、绿色金融、普惠金融、养老金融、数字金融五篇大 文章"。把更多金融资源分配到经济社会发展的重点领域和薄弱环节，为实体经济发展提供有力有效的 金融支持，这是时代对金融行业的要求。 做好金融"五篇大文章"，为上饶银行这样的地方性城商行指出了扎根区域、服务实体、迈向高质量发展 的路径。上饶银行扎根于江西，以服务为魂、地缘为基、创新为刃，将"五篇大文章"的政策蓝图转化为 生动实践：科技赛道点燃创新引擎、绿色征途守护生态底色、普惠田间传递民生温度、养老场景筑牢幸 福防线、数字浪潮中重构服务新生态，用实干与匠心，在赣鄱大地上交出高质量发展答卷。 科技金融 创新种子生根发芽 让科技金融的活水精准滴灌创新土壤，上饶银行搭建起一套"顶层统筹、中层联动、基层落地"的协作体 系。印发《上饶银行扎实做好科技金融大文章行动方案》，由行长挂帅，组建科技金融工作领导小组， 将资源配置、计划制定、考核推进一把抓；把科技金融纳入分支机构核心考核指标，引导金融资源向创 新领域汇聚。"真金白银"提供政策支持，实施差异化内部资金转移定价，给科技型企业贷款送上20BP 的利率优惠；将小微型科 ...

登录新浪财经APP 搜索【信披】查看更多考评等级 本报讯 12月23日，海南农商银行围绕践行ESG理念，高质量服务海南自贸港建设，在海口举办"建功自 贸港，赋能可持续"ESG战略启动会暨战略合作签约仪式。 会上，国际可持续准则理事会（ISSB）理事冷冰围绕"商业银行可持续信息披露"作主题演讲，深入分析 了全球可持续发展信息披露的最新趋势与准则要求，为金融机构对接国际标准、提升信息披露质量提供 了前沿指引。 海南农商银行党委书记、董事长李晓刚发布海南农商银行ESG战略框架及《海南农商银行ESG白皮 书》。他指出，ESG战略是海南农商银行服务国家战略、构筑未来核心竞争力的必然选择，"深耕海 南"是行动宣言，意味着金融服务将更加精准地滴灌至海南经济的毛细血管。海南农商银行ESG白皮书 系统构建了银行ESG实践的"全景图"，通过光伏贷、GEP贷、星星点灯计划、乡村振兴专项引才计划等 扎根海南的鲜活案例，生动诠释了"深耕海南"的实践。 在战略合作签约环节，海南农商银行与华为技术有限公司、腾讯云计算（北京）有限责任公司、上海商 汤智能科技有限公司、正信光电科技股份有限公司分别签署战略合作协议。各方将围绕数字化转型、人 工 ...

Core Insights - The financial system plays a crucial role in stabilizing expectations, growth, and structure amid economic transformation and cyclical fluctuations. The focus is on how to navigate complex environments effectively [1][22]. Group 1: Development of Inclusive Finance - Inclusive finance has made significant progress in recent years, characterized by a multi-layered and widely covered supply system involving national and regional banks, non-bank institutions, and technology companies [3][25]. - The balance of loans for inclusive small and micro enterprises has increased from approximately 10 trillion yuan in 2016 to 36.5 trillion yuan by the third quarter of 2025, reflecting a tripling in ten years with an average annual growth rate of around 25% [4][26]. - Digital inclusive finance has achieved breakthroughs, with digital technologies reshaping service models and improving credit evaluation through digital footprints, enhancing service efficiency [5][27]. Group 2: Policy and Regulatory Framework - The policy framework for inclusive finance is becoming increasingly refined, with strategic guidance from various government initiatives and local innovations in practice [7][28]. - The shift from a quantity-oriented regulatory approach to a quality-oriented one is necessary to optimize the regulatory system and incentive mechanisms [1][38]. Group 3: Market Dynamics and Competition - Large commercial banks are gaining market share in the inclusive finance sector, leading to a decline in the market share of small and local banks, resulting in a reshaping of the traditional supply structure [8][29]. - The competitive pressure from large banks is prompting local financial institutions to innovate and deepen their inclusive finance services [30]. Group 4: Challenges and Opportunities - Despite the achievements, credit suppression remains a common issue, with many enterprises relying on informal lending to meet unmet credit needs [1][38]. - The need for a clear legal framework to regulate informal finance is emphasized, recognizing its role in the financial ecosystem while ensuring compliance and sustainability [40][41].

Core Insights - Addressing climate change and promoting green and sustainable development are key societal concerns, with a focus on ecological civilization and green low-carbon development emphasized in national meetings [1] - Jiangsu Bank positions green finance as a core strategy for transformation and development, aiming to build an influential green finance brand [1] - The bank's Beijing branch actively engages in green finance, focusing on energy low-carbon transition, environmental protection, and urban-rural green development through product innovation and service upgrades [1] Group 1: Green Financial Products - The "Green Factory Loan" product allows companies to convert their green performance into lower financing costs, linking loan rates to ESG evaluations [3][4] - Jiangsu Bank's Beijing branch has provided over 1.3 billion yuan in credit support to more than 100 suppliers through its "Green + Supply Chain" financing model, which integrates ESG performance into financing costs [5][6] - The bank has developed customized financial solutions for various industries, including "Photovoltaic Loans" and "Soil Restoration Loans," to support specific green development needs [8] Group 2: Financial Impact and Achievements - As of September 2025, the green credit balance of Jiangsu Bank's Beijing branch reached 16.172 billion yuan, a 40.92% increase from the beginning of the year, serving over 300 green industry clients [9] - The bank has been recognized as a partner in green finance services in Chaoyang District and is the only financial institution to host the district's Energy Conservation Week [9] - Jiangsu Bank aims to guide more resources into the green low-carbon sector, contributing to high-quality development and the achievement of carbon neutrality goals [9]

Core Viewpoint - The article highlights the significant role of financial support in fostering technological innovation and industrial development in Henan, emphasizing a tailored approach to financing that aligns with the specific needs of different stages of technology enterprises [1][4][10]. Financial Support for Technology Enterprises - Henan's banking sector has shifted from traditional collateral-based lending to a model that evaluates technology, industry, and future potential, providing comprehensive financial support throughout the lifecycle of technology companies [4][6]. - The Export-Import Bank has provided over 1 billion yuan in credit to companies like Hengxing Technology, supporting their transformation and expansion efforts since 2012 [5]. Innovative Financial Products - The banking industry in Henan has developed specialized financial products such as photovoltaic loans, clean energy project loans, and cold chain logistics loans to cater to the unique characteristics of technology enterprises [7]. - Zhongyuan Bank has tailored financing solutions for companies like Wanjing New Energy, providing 88 million yuan in credit, including a 15-year clean energy project loan at a 3.6% interest rate [8]. Technological Advancements in Agriculture - The article discusses the integration of technology in agriculture, particularly in smart pig farming, where data analytics and AI are used to optimize growth conditions and improve efficiency [10]. - Financial institutions like Everbright Bank have significantly increased their credit support for companies like Muyuan, reflecting the growing demand for working capital in the expanding pig farming sector [10][11]. Policy and Regulatory Support - The financial ecosystem in Henan is being enhanced through coordinated efforts between fiscal and financial policies, including the establishment of risk compensation funds and green industry investment guidance funds [11]. - The regulatory body has implemented mechanisms to ensure that financial policies are effectively executed, focusing on supporting small and micro enterprises, technological innovation, and green development [11].

Core Viewpoint - Addressing climate change and promoting green and sustainable development are key societal concerns, with Jiangsu Bank positioning green finance as a core strategy for transformation and development [1][9]. Group 1: Green Finance Initiatives - Jiangsu Bank has integrated green finance into its strategic framework, focusing on energy low-carbon transition, environmental protection, and urban-rural green development [1][3]. - The "Green Factory Loan" product allows companies to convert their green performance into tangible financial benefits, with a quick loan approval process taking only three days [2][3]. - The bank's innovative approach links loan interest rates to the green factory certification and ESG evaluations, incentivizing companies to enhance their energy-saving and carbon-reduction efforts [3][4]. Group 2: Supply Chain Financing - Jiangsu Bank has introduced a "Green + Supply Chain" financing model to support the sustainable development of entire supply chains, ensuring that both core enterprises and their suppliers engage in green practices [4][5]. - The bank utilizes an API to connect with core enterprises' supply chain management systems, assessing suppliers based on various ESG performance metrics [5][6]. - By September 2025, Jiangsu Bank had provided over 1.3 billion yuan in credit support to more than 100 suppliers through this model, promoting a comprehensive green upgrade across the supply chain [5][6]. Group 3: Green Bonds - Jiangsu Bank has facilitated the issuance of green bonds, such as a 300 million yuan green medium-term note for renewable energy projects, contributing to significant reductions in carbon emissions and other pollutants [7][8]. - The bank's expertise in the green bond market has enabled it to support major clean energy projects, reinforcing the concept that ecological preservation can align with financial growth [7][8]. Group 4: Customized Financial Solutions - The bank has developed a range of tailored financial products to meet the diverse needs of different industries, including loans for solar energy projects and ecological restoration initiatives [8][9]. - Jiangsu Bank actively collaborates with government agencies to enhance its green finance offerings and participates in various green finance events to increase its brand influence [8][9]. Group 5: Performance Metrics - As of September 2025, Jiangsu Bank's green credit balance reached 16.172 billion yuan, a 40.92% increase from the beginning of the year, serving over 300 green industry clients [9]. - The bank has established itself as a key player in the green finance sector, recognized as a partner in green financial services and actively involved in local sustainability initiatives [9].

Core Insights - The article emphasizes the importance of financial support in fostering technological and industrial innovation in Henan, highlighting a tailored approach to financing that aligns with the specific needs of different stages of technology enterprises [1][2][5]. Financial Support for Technology Enterprises - Henan's banking sector has shifted from traditional collateral-based lending to a model that evaluates technology, industry, and future potential, providing comprehensive financial support throughout the lifecycle of technology companies [2][4]. - The case of Hengxing Technology illustrates how financial institutions have supported its transformation and growth through various credit products, with over 1 billion yuan in loans provided by the Export-Import Bank [3][4]. Innovative Financial Products - The banking industry in Henan has developed specialized financial products such as photovoltaic loans, clean energy project loans, and cold chain logistics loans to cater to the unique characteristics of technology enterprises [5][6]. - The introduction of these products aims to facilitate the growth of the technology and innovation sectors by ensuring that financial resources are effectively allocated [5]. Case Studies of Successful Financing - The establishment of Zhongke Qingneng, which focuses on liquid hydrogen technology, demonstrates the banks' willingness to support innovative startups despite their initial lack of profitability, with a loan of 10 million yuan provided by China Bank [3][4]. - The development of geothermal energy by Wanjing New Energy showcases the potential for innovative financing solutions in emerging sectors, with a loan of 88 million yuan structured to support their projects [6]. Strengthening the Financial Ecosystem - The article highlights the collaboration between financial institutions and technology enterprises, emphasizing the role of banks in enhancing the financing environment through policy alignment and innovative financial tools [8][9]. - The integration of digital technologies in banking services has improved the efficiency and accessibility of financing for enterprises, breaking down traditional barriers [7][9]. Comprehensive Support for the Agricultural Sector - The case of Muyuan Foods illustrates how banks have provided increasing credit support as the company expanded its operations, with loans growing from 300 million yuan in 2016 to 3 billion yuan in 2020 [8][9]. - The establishment of information-sharing mechanisms among stakeholders in the agricultural supply chain has enabled banks to better assess risks and tailor financing solutions [9].

Core Viewpoint - The article highlights the significant role of financial support in fostering technological innovation and industrial development in Henan, emphasizing a tailored approach to financing that aligns with the specific needs of different stages of technology enterprises [1][5]. Group 1: Financial Support for Technology Enterprises - Henan's banking sector has shifted from traditional collateral-based lending to a model that evaluates technology, industry, and future potential, providing comprehensive financial support throughout the lifecycle of technology enterprises [1][3]. - The financial institutions in Henan have developed customized credit products and services for various industries and stages of enterprise growth, ensuring precise and timely financial assistance [1][4]. Group 2: Case Studies of Successful Enterprises - Hengstar Technology, established in 1995, has become a representative of high-quality manufacturing in Henan, benefiting from over 1 billion yuan in credit support from the Export-Import Bank, which has facilitated its transformation and expansion [2][3]. - Zhongke Qingneng, founded in 2022, focuses on liquid hydrogen technology, receiving 10 million yuan in credit support from China Bank, showcasing the bank's willingness to finance innovative but unproven business models [3][4]. Group 3: Innovative Financial Products - The banking sector in Henan has introduced specialized financial products such as photovoltaic loans, clean energy project loans, and cold chain logistics loans to address the unique challenges faced by technology enterprises [4][5]. - Central Bank of China has tailored financing solutions for emerging sectors like geothermal energy, providing 88 million yuan in credit to support innovative projects in this field [4][5]. Group 4: Integration of Technology and Finance - The article discusses the integration of digital technology in financial services, which enhances the ability of banks to provide timely and effective support to enterprises, breaking down traditional barriers [5][6]. - The financial ecosystem in Henan is being optimized through collaboration between financial institutions and government platforms, improving access to financing for technology-driven enterprises [5][7].

Core Insights - The "Five Major Articles" strategic deployment from the Central Financial Work Conference provides a clear direction for financial services to support the real economy in the new era [2] - Shenzhen is leveraging technological innovation and green transformation to achieve high-quality development, creating a broad platform for financial institutions to empower urban development [2] Group 1: Financial Services for SMEs - Zheshang Bank's Shenzhen branch integrates the concept of "finance for good, finance for real" into urban development, focusing on serving the real economy [2] - The introduction of "Shu Ke Loan" has addressed the financing difficulties faced by small and micro enterprises, allowing them to secure loans quickly, as demonstrated by a technology company's experience of receiving 1 million yuan on the same day [3] - The bank has established a long-term mechanism that encourages lending to small and micro enterprises, with a higher tolerance for loan defaults compared to the average level [3] Group 2: Green Financing Initiatives - The bank is actively promoting green finance, exemplified by the "Photovoltaic Loan" which supports energy technology companies in financing their solar power projects, reducing their electricity costs by 30% [5] - The "Photovoltaic Loan" offers customized repayment plans and lowers overall financing costs, enhancing accessibility for companies expanding their renewable energy projects [5] - Zheshang Bank is committed to building a comprehensive green financial service system, aligning with the dual carbon goals and supporting more photovoltaic enterprises [5] Group 3: Future Directions - The bank aims to deepen its "finance for good, finance for real" philosophy, focusing on more scenario-based and digital products to enhance financial service accessibility [6] - The commitment to supporting Shenzhen's technological innovation, green low-carbon development, and the growth of small and micro enterprises will contribute to building a sustainable inclusive financial ecosystem [6] - The bank's efforts are positioned to inject continuous financial momentum into Shenzhen's high-quality development and serve as a model for modern urbanization in China [6]

Core Viewpoint - Jiujiang Bank has transformed its advantages in party building into development advantages, maintaining steady growth over 25 years while focusing on serving the real economy and creating diverse value for customers, employees, and society [1] Group 1: Service to the Real Economy - Jiujiang Bank aims to optimize financial service supply, focusing on the needs of Jiangxi and providing financial support to the real economy, thereby contributing to the construction of a modern industrial system [1] - The bank has innovated a "inventory pledge + supply chain finance" model to address the financing challenges faced by light-asset copper processing enterprises, successfully issuing a loan of 130 million yuan [2] - As of the end of October, the platform for industrial finance has achieved a cumulative transaction amount of 252.6 billion yuan, effectively addressing financing difficulties for small and medium-sized enterprises [2] Group 2: Technological and Green Finance - Jiujiang Bank has introduced a "technical flow" evaluation system and various financial products to support technology enterprises, with a technology loan balance of 44.706 billion yuan, an increase of 11.75% from the beginning of the year [3] - The bank established the first green finance department in the province, creating multiple green financial products to support energy-saving and carbon-reduction initiatives, with a green loan balance of 44.697 billion yuan, up 16.13% year-to-date [4] - The bank has successfully issued 4 billion yuan in green financial bonds and has been recognized for its contributions to green finance [4] Group 3: Commitment to Social Responsibility - Jiujiang Bank has launched "New Employment Group Service Stations" to provide essential services and financial education to new employment groups, reflecting its commitment to "finance for the people" [5][6] - The bank has developed an elderly-friendly banking service and launched a comprehensive financial service brand for elderly care, demonstrating its focus on meeting diverse customer needs [6] - The bank actively engages in charitable activities, having established a charity foundation and received recognition for its social contributions [6] Group 4: Future Development Strategy - Jiujiang Bank aims to continue its strategic positioning of "party leadership, distinctive operations, quality enhancement, technology-driven, talent empowerment, and strict governance" to achieve high-quality development in the future [7]