来源：中国出口信用保险公司 时光如织，岁月成章。当今年的365个日夜即将汇入历史的长河，我们又一次站在了辞旧迎新的渡口。 从旧岁到新年，万事万物都在诉说着告别与迎接。 回望来时路，几多风雨，几多辉煌。2025年，是"十四五"规划的收官之年，也是"十五五"规划的谋篇之 年。这一年，中国信保与广大外经贸企业共同执笔，在中国式现代化的壮美新篇上留下了浓墨重彩的时 代丹青。我们在变局中勇开新局，在挑战中笃行不怠，以实干诠释担当，这一年—— 我们将服务国家战略作为根本点，书写政策性金融的赤子之心。以党的二十大和二十届历次全会、中央 经济工作会议、中央金融工作会议精神为指引，始终牢记"国之大者"，服务国家战略和大事要事成效显 著。出口信用保险名列国家政策措施，成为关键时刻国家信得过、用得上的政策工具。创新产业链承保 整体布局，推动产业集群高效发展，支持海外仓、境外经贸合作区建设，成立海南营业部，全面开启信 保服务新篇章……我们以"信保方案"诠释"信保担当"，全年承保规模再超万亿美元，为我国外经贸事业 高质量发展筑牢风险屏障。 我们将全面深化改革作为突破点，激活高质量发展的一池春水。从组建深改专班到出台进一步全面深化 改革 ...

Core Insights - The China Export & Credit Insurance Corporation's Shanxi branch has provided risk protection for Shanxi's $28.9 billion foreign economic and trade activities, with support for foreign trade amounting to $24.62 billion in 2023 [1] - The company is focusing on supporting the new energy sector, particularly in solar and wind power, while also aiding the transformation of traditional energy and chemical industries [1][2] - In 2024, under the support of export credit insurance, Shanxi's exports of "new three products" (solar cells, lithium batteries, and electric vehicles) are expected to achieve a remarkable growth of 199% year-on-year [1] Industry Support and Initiatives - The company actively supports the national green low-carbon development strategy by assisting key local enterprises in participating in global supply chain restructuring [2] - Projects include investments in wind power in Bangladesh and low-carbon steel production in Malaysia, showcasing the company's commitment to sustainable development [2] - The company has been insuring multiple overseas solar and wind projects, demonstrating significant results and leading roles in Southeast Asia, Northeast Asia, the Middle East, and Africa [2] Notable Projects - The 119 MW solar power project in Singapore, constructed by China Energy Engineering Group Shanxi Institute, marks a significant achievement for Chinese enterprises in the region [3] - The Oman Manah No. 2 solar power project is notable for achieving a 90% commercial risk compensation ratio, becoming a model case for policy insurance supporting green energy initiatives [3]

人民网北京12月26日电 （记者罗知之）据中国人民银行网站消息，中国人民银行12月25日举行新闻发 布会，介绍解读金融支持加快西部陆海新通道建设有关情况。 一是产品体系趋于完善。大型银行、股份制银行、地方法人银行均已落地铁路运输单证金融服务，覆盖 了国际结算、信用证开立、应收/应付账款融资、运费贷等主要贸易金融产品类别。政策性、商业性保 险机构通过出口信用保险、货物运输保险等为企业接单、在途货物提供风险保障。授信管理中，银行保 险机构充分发挥铁路运输单证具备的贸易背景真实性审核、货物控制、风险缓释等功能，综合评估企业 资质，在授信额度、产品服务、贷款期限、利率费率等方面为企业提供更多支持和优惠，积极满足企业 有效金融需求。 二是业务探索稳步推进。金融机构把握试点机遇，释放政策红利，主动优化和完善产品服务，不断提升 贸易金融服务质效。比如，部分银行依托区块链技术，搭建信息平台，在有效核验贸易信息真实性前提 下，为企业提供线上结算、融资等服务。部分银行加强同国铁集团合作，在铁路货运95306平台上线"物 流金融"板块，为企业提供运费贷、信用证开立、融资等服务。部分银行还引入第三方仓储监管机构， 实现全程控货，夯实 ...

出口信用保险以国家财政和国家信用为后盾，是支持我国产品、技术、服务、资本"走出去"的政策 性金融工具，也是我国《对外贸易法》规定的支持对外贸易发展的三大政策措施之一。中国出口信用保 险公司（以下简称"中国信保"）紧密围绕上海加快建设"五个中心"、强化"四大功能"等战略部署，持续 加大对高质量发展的金融服务。"十四五"期间，中国信保上海分公司累计支持上海市外贸出口及投资超 2650亿美元，向企业支付赔款22.19亿元，帮助企业减损近36亿元，出口信用保险在防风险、补损失、 促融资、拓市场，以及稳就业、稳企业、稳市场、稳预期等方面充分发挥作用。 打好稳外贸攻坚战助力国际贸易中心提质升级 业务随之节节攀升。某欧洲买方项下，中国信保5次大幅追加信用限额，每次都为思格新能源带来更高 的成交量，为贸易双方不断深化合作打下坚实基础。在甄选优质买方的同时，中国信保帮助企业及 时"排雷"、精准"拆弹"，准确找出存在潜在风险的买方，帮助企业规避了近1.44亿元的损失。 提升跨境金融服务便利化强化国际金融中心影响力 近年来，出口信用保险因其逆周期的防风险、拓市场、助融资、增效益政策功效越来越受到重视， 已成为上海金融业支持申城外经 ...

湖北金融监管局日前披露的数据显示，截至2025年11月末，全省累计走访小微企业超过521万户，累计 发放贷款超过1万亿元，平均利率降至3.52%。融资可得性、便利度显著提升，金融"活水"更精准、更高 效、更有温度地滋养着荆楚大地的经济毛细血管。 小微企业是地方经济的"毛细血管"，支持小微企业发展，就是守护地方经济的活力源泉。 据了解，自2024年11月湖北建立支持小微企业融资协调工作机制以来，由湖北金融监管局与省发展改革 委"双牵头"，打通"信息共享—名单推送—精准对接—帮扶纾困"全流程，推动金融服务从"银行端供 给"向"企业端需求"深度转变。 眼下，一个覆盖广泛、响应迅速、运行顺畅的融资服务基础设施已在全省形成，标志着湖北小微企业融 资服务步入系统性、精准化、便利化新阶段。 协同发力精准服务小微企业 长期以来，小微企业融资处于"点对点"对接状态，需求分散、匹配低效，大量真实融资需求湮没于信息 断层之中。协调机制的建立，如同铺设了一张智能的"金融通讯网"。 如今，银行不再满足于单笔贷款的投放，更关注企业全生命周期的需求波动，提供覆盖续贷、扩产、避 险、结算等环节的综合解决方案。这意味着金融服务更紧密地嵌入企业 ...

Core Insights - The implementation of the "Single Window" cross-border financial services significantly enhances the efficiency of foreign trade enterprises, reducing financing costs and processing times [1][2][3] Group 1: Financial Services and Innovations - The "Single Window" platform utilizes big data to offer various financial services, including international settlement, cross-border loans, export loans, and export credit insurance, which have shown notable effectiveness [2][4] - The average processing time for international settlement has been reduced from 5 hours to 2 minutes, showcasing a breakthrough in operational efficiency [2] - The financing assessment service allows foreign trade enterprises to know their financing limits in advance, leading to a further reduction in processing times by 30%-50% for subsequent financing applications [2][4] Group 2: Impact on Export Credit Insurance - The introduction of the "Single Window" has transformed the process of obtaining export credit insurance, with 98% of such insurance now processed through this platform, significantly increasing efficiency and coverage [3][4] - The use of big data models has simplified the insurance application process and shortened the claims cycle, enhancing the overall service experience for enterprises [3] Group 3: Data Utilization and Security - The initiative emphasizes the importance of public data utilization, integrating over 20 types of data, including customs and tax documents, to support accurate decision-making by financial institutions [4] - The service model ensures data security by adhering to principles of data minimization and encryption, allowing data to be used without being visible to unauthorized parties [4] Group 4: Overall Achievements - As of now, the "Single Window" financial services have facilitated international settlements totaling $127.2 billion, provided financing credits of 148.8 billion RMB, and issued 780,000 export credit insurance policies, benefiting 450,000 foreign trade enterprises [4]

（原标题：沙井金蚝节启幕 "千年蚝乡"焕发新机） "文化搭台，经济唱戏"也是本届金蚝节的一大特色。活动邀请沙井各行业企业代表、商会代表、蚝产业 协会成员及侨商，举办两场惠企政策宣讲活动。其中，中信保聚焦2025年出口信用保险中小微外贸企业 统保政策，从承保范围、理赔流程、补贴标准等方面进行详细解读，助力中小微外贸企业降低出海风 险、拓展国际市场；宝安区企业服务中心围绕技改补贴、金融扶持等核心内容，系统宣讲惠企政策体 系，为企业转型升级注入强劲动力。 现场企业负责人表示，政策宣讲精准对接企业发展痛点，既解答了实际经营中的困惑，也为后续发展明 晰了方向，让大家对沙井产业发展更有信心。 沙井古墟义德堂分会场同样"吸睛"。蚝民开蚝大赛及蚝菜烹饪比赛同步开启，开蚝选手手法娴熟，一敲 一撬间尽显非遗技艺；烹饪选手匠心巧思，将鲜蚝化作一道道美味佳肴，进一步擦亮沙井美食文化名 片。 如今的沙井金蚝节，早已突破单纯民俗活动的边界，成为沙井链接内外、展示形象的重要纽带，更是深 化文化、商业、旅游、产业深度融合，推动区域发展的有力抓手。尤其依托前海合作区建设、环珠江口 100公里"黄金内湾"发展等重大战略机遇，叠加前海冰雪世界等标 ...

Core Viewpoint - The National Financial Supervision Administration has issued a notice to adjust risk factors related to insurance companies' business, aiming to cultivate patient capital and support technological innovation while enhancing the support for foreign trade enterprises [1][3]. Group 1: Adjustments to Risk Factors - The risk factor for stocks in the CSI 300 index and the CSI Low Volatility 100 index held for over 3 years has been reduced from 0.3 to 0.27 [1]. - The risk factor for ordinary shares listed on the Sci-Tech Innovation Board held for over 2 years has been decreased from 0.4 to 0.36 [1]. - The premium risk factor for export credit insurance and overseas investment insurance has been lowered from 0.467 to 0.42, while the reserve risk factor has been adjusted from 0.605 to 0.545 [1]. Group 2: Impact on Insurance Companies - Higher risk factors are closely related to capital occupation in insurance companies, with higher risk factors leading to increased capital consumption and potentially lowering solvency adequacy ratios [2]. - In 2023, the Financial Supervision Administration previously adjusted risk factors for investments in the CSI 300 index from 0.35 to 0.3 and for Sci-Tech Innovation Board stocks from 0.45 to 0.4 [2]. - Insurance companies have been actively increasing their equity asset holdings, with nearly 40 instances of shareholding in listed companies this year, marking a 10-year high [2]. Group 3: Long-term Investment Management - The notice aims to effectively prevent risks, guide insurance companies to enhance long-term investment management capabilities, and better match assets and liabilities [3]. - The adjustments are intended to leverage insurance funds as patient capital to effectively serve the real economy and promote the sustainable and stable operation of insurance companies [3].

【编者按】外贸，是观察区域经济活力的重要窗口，更是河南构建新发展格局的关键支撑。在全球贸易环境复杂多变、不确定性因素增多的当下，"稳外 贸"不仅是稳增长、稳就业的重要抓手，更是河南企业融入双循环、拓展国际市场的必由之路。如何帮助河南外贸企业在风浪中稳健前行，破解"有单不敢 接、有单无力接"的出海难题？出口信用保险无疑是关键的"护航者"与"助推器"。它既为企业防范海外买家信用风险、应对贸易壁垒筑起"安全网"，也通过 风险保障等支持，为企业大胆开拓新市场、抢抓新订单注入"强心剂"。 正是基于助力河南外贸高质量发展和河南高水平开放的共同目标，中国出口信用保 险公司河南分公司与河南日报社财经全媒体中心、大河财立方携手推出《稳外贸 信保助力豫企出海》策划。通过走进一家家深耕国际市场的河南企业，记 录他们与信用保险"双向奔赴"的合作故事，挖掘信保工具如何为企业出海"遮风挡雨"，如何赋能企业从"稳订单"到"拓市场"的进阶之路，为更多河南企业扬 帆出海提供借鉴与启发。 【大河财立方 记者 徐兵 文 洪昊旸 摄影】广交会玻璃制品展馆内，占比超六成的前沿设计新品惊艳亮相：造型先锋的艺术酒杯、木玻拼接的创意花瓶、升 级款耐高温厨具 ...

Core Viewpoint - The recent adjustment of risk factors for insurance companies aims to enhance their solvency regulation standards, promote long-term investments, and support the real economy amidst a challenging domestic and international environment [1][2]. Group 1: Policy Background and Objectives - The policy is part of the "second generation solvency regulation" reform in the insurance industry, reflecting the need for supply-side reforms in response to current market pressures [2]. - The adjustment of risk factors is intended to encourage insurance companies to invest in A-shares and support foreign trade and investment, addressing the development challenges in these areas [2]. Group 2: Capital Market Implications - The A-share market is showing signs of recovery, with the Shanghai Composite Index fluctuating around the 4000-point mark, indicating increased market resilience [3]. - Regulatory measures are being implemented to enhance the inclusivity of the capital market, particularly to support technology innovation and new productive forces [3]. - The core task for the A-share market is to stabilize and improve the quality of listed companies, which requires sustained policy patience and long-term capital support [3]. Group 3: Foreign Trade and Investment Context - China's foreign trade is characterized by steady growth and structural upgrades, despite facing complex external challenges [4]. - The need for policy incentives to enhance insurance support for foreign trade and investment is emphasized, particularly in light of rising risks and challenges in the global environment [4]. Group 4: Impact of Risk Factor Adjustments - The adjustment of risk factors is expected to inject approximately 32.6 billion yuan of capital into the market, potentially providing around 108.6 billion yuan in incremental funds if fully allocated to the CSI 300 stocks [11]. - The policy aims to stabilize the market by encouraging long-term value investments, thereby reducing short-term volatility [11]. - The adjustments will also enhance support for the real economy by directing insurance funds towards strategic sectors such as technology innovation and high-end manufacturing [11]. Group 5: Microeconomic Effects on Insurance Companies - The reduction in risk factors will improve the solvency ratios of insurance companies by lowering the minimum capital requirements [12]. - It will also create new opportunities for business expansion and risk asset allocation for insurance companies [12]. - The changes are expected to drive a transformation in investment philosophies and assessment mechanisms within insurance companies, promoting a shift from transactional to long-term value investment [12]. Group 6: Market Signals and Future Outlook - The adjustment sends a clear signal to the market that long-term investment strategies will be favored, potentially leading to a more stable A-share market [13][14]. - The insurance sector may experience improved fundamentals and valuation opportunities as a result of increased long-term equity investments [14]. - The regulatory framework is designed to guide financial resources towards supporting the real economy and national strategies, indicating a long-term commitment rather than short-term stimulus [15].