作为扎根凉山的地方性金融机构，凉山农商银行始终坚持以党建为红色引擎，将党的政治优势、组织优 势转化为产业赋能的金融动能，构建起"党建引领、金融赋能、产业增效"的生态闭环，为民族地区特色 农业产业高质量发展探索出一条凉山路径。 实践背景：在时代命题中锚定金融坐标 近年来，四川省以"四化同步、城乡融合、五区共兴"统揽四川现代化建设全局的战略部署，加快推动四 川从农业大省向农业强省跨越。凉山作为农业大州，这片孕育了会理石榴、盐源苹果、金阳青花椒等地 理标志产品的沃土，也曾面临产业拓展资金不足的发展瓶颈。 凉山农商银行作为一家带有天然"三农"属性的金融机构，始终将金融助力农业产业发展作为践行政治担 当的主阵地，将党的领导嵌入治理体系，通过组织共建拓展服务半径、机制创新破解融资堵点、资源整 合优化服务供给，让金融活水沿着党建脉络精准滴灌特色农业产业链，持续助力推动农业资源优势向产 业优势的价值跃迁。 创新实践：党建引领下的金融赋能路径 筑牢战斗堡垒，让党的基层组织扎根服务一线。一是思想领航强根基。凉山农商银行党委严格执行"第 一议题"学习机制，构建了"党委班子领学+支部研讨深学+实践检验促学"的三位一体学习体系，通过专 ...

Core Viewpoint - The article emphasizes the importance of financial support for the innovation and development of traditional Chinese brands, known as "laozihao," highlighting their cultural significance and market potential in the context of consumer upgrades [1][2]. Group 1: Financial Support and Policies - The Chinese government has implemented various policies to support the innovation and development of laozihao enterprises, including opinions from multiple departments and local action plans [2]. - Financial institutions are encouraged to provide tailored financial support to meet the diverse needs of laozihao enterprises, focusing on both well-performing companies and those facing temporary difficulties [2][3]. - As of November 2024, there are 274 laozihao enterprises in Beijing, with small and micro enterprises making up about two-thirds of this number, indicating a significant need for innovative financial products to address their financing challenges [2]. Group 2: Innovative Financial Products and Services - Financial institutions are developing specialized products for laozihao enterprises, such as credit loans based on daily operating cash flow and loans secured by intellectual property rights [6][7]. - Beijing Rural Commercial Bank has established partnerships with 134 laozihao enterprises, providing credit support totaling 6.04 billion yuan, with a credit balance of 2.84 billion yuan [5]. - Customized services, such as fee reductions and early predictions of funding needs during holidays, are being offered to lower financing costs and repayment pressures for laozihao enterprises [7]. Group 3: Enhancing Consumer Engagement and Market Presence - Financial institutions are leveraging online platforms to increase the visibility of laozihao brands, facilitating marketing collaborations and enhancing consumer experiences [5][6]. - The article highlights the need for laozihao enterprises to innovate their business models and connect with new consumer groups, emphasizing the importance of cultural experience and community engagement in modern consumption [4][5]. - Financial support for laozihao is seen as a means to stimulate consumption, expand domestic demand, and create new economic growth points [5][8]. Group 4: Future Directions and Recommendations - Experts suggest that technology should play a crucial role in enhancing financial products and services for laozihao, advocating for the use of big data and AI to create credit profiles for these enterprises [8]. - There is a call for government and relevant departments to strengthen policy guidance and risk compensation to encourage financial institutions to increase their support for laozihao [8].

随着订单量增加，王先生计划引进新设备、扩大生产规模，但资金成了难题。成武农商银行在开展"走 千家访万户共成长"活动时了解到这一情况，立即派客户经理上门调研。在考察工坊经营状况和带动就 业成效后，很快为其审批发放了20万元贷款。 王先生称这笔资金十分及时，工坊购置了新设备，扩大了生产规模，能吸纳更多居民就业。工坊的发展 也让更多宝妈实现了自我价值。 近年来，成武县深入推进"党建引领万民共富"活动，招引发展前景好、产业链条实、带动就业多的小微 企业入驻社区乡村，推动共同富裕。成武农商银行将支持"共富一条街""共富工坊"建设作为践行社会责 任、服务乡村振兴的重要举措，推出"创业担保贷""巾帼创业贷"等特色产品，实行优惠利率，简化审批 流程，全力支持创业带动就业。 下一步，成武农商银行将继续深化金融服务，创新信贷产品，助力更多"归雁"人才返乡创业，为乡村振 兴注入新动能。 齐鲁晚报.齐鲁壹点王会广通讯员朱国朝 近日，在成武县文亭街道的"共富工坊"内，几十台缝纫机有序运转，工人们熟练操作设备。工坊负责人 王先生正在检查产品质量，神情专注。这家由王先生创办的服装加工厂，不仅圆了他的创业梦，还为周 边十多位"宝妈"提供了家 ...

Core Viewpoint - The article highlights the integration of green finance and agricultural innovation by Chengwu Rural Commercial Bank, showcasing its efforts to support sustainable development and rural revitalization through various financial products and services [1][2][3] Group 1: Green Finance Initiatives - Chengwu Rural Commercial Bank has injected 1 million yuan into a fish-vegetable symbiosis system, demonstrating the bank's commitment to green finance and county economic transformation [1] - The bank has developed a financial service plan to support green low-carbon development, focusing on energy conservation, circular agriculture, and clean energy [1][2] - The bank has incorporated green loan growth indicators into its business department assessment system, creating an incentive mechanism to promote green credit business [2] Group 2: Collaborative Efforts - Chengwu Rural Commercial Bank has established a communication mechanism with local government agencies to jointly identify and support green enterprises [2] - The bank has created a "green approval channel" to prioritize financing for eligible green projects, enhancing market participation in green development [2] - The bank has partnered with a biotechnology company to provide 5 million yuan in loans for resource recycling initiatives, exemplifying its support for the circular economy [2] Group 3: Support for Ecological Agriculture - The bank has launched the "Bole Fumin Loan" to provide flexible financing for innovative agricultural models like fish-vegetable symbiosis and forest economy [3] - A young farmer received a 200,000 yuan "entrepreneurial guarantee loan" to establish a 20-acre ecological vineyard, showcasing successful youth entrepreneurship [3] - The bank has issued over 10 million yuan in loans to support the transformation of rural areas, promoting diverse economic activities such as agritourism [3] Group 4: Future Directions - Chengwu Rural Commercial Bank aims to continue its commitment to green finance, innovating products and service models to support rural areas in achieving both ecological and economic prosperity [3]

Core Insights - The event "Focusing on Financial Empowerment to Promote the Development of Private Enterprises" was held by the Industrial and Commercial Bank of China (ICBC) Shanghai Branch, aiming to inject new momentum into the high-quality development of Shanghai's private economy through targeted financial services [1] - Individual businesses are recognized as the "capillaries" of the private economy, playing a crucial role in enhancing regional economic vitality [1] Customized Financial Products - ICBC Shanghai Branch launched the "2025 Exclusive Financial Service Plan for Individual Businesses," focusing on the entire lifecycle of individual business operations [3] - The service framework includes three main areas: "financing, wealth management, and value-added services," with specific initiatives in "product innovation, preferential interest rates, dedicated service guarantees, and embedded unique scenarios" [3] - The plan aims to create an integrated service loop for individual businesses encompassing "account opening, financing, settlement, and wealth management," achieving both operational security and wealth enhancement [3] Collaborative Mechanisms - A collaborative mechanism was established, including an "information sharing platform, policy implementation channels, and financial service teams" to provide efficient and convenient financial services [4] - The information sharing platform aims to create accurate credit profiles for individual businesses, addressing financing barriers caused by information asymmetry [4] - ICBC has formed 28 "Inclusive Youth Pioneer Teams" to provide dedicated customer managers directly in business areas, enhancing service efficiency and convenience for individual businesses [4] Integrity-Based Ecosystem - The "integrity-based ecosystem" initiative links the creditworthiness of individual businesses with financial services, encouraging merchants to prioritize credit building [5] - The "Financial Support to Stimulate Consumption Vitality Initiative" was launched, focusing on four directions: practicing integrity in business, enhancing credit data utilization, innovating credit consumption ecosystems, and optimizing convenient service scenarios [5] - This initiative aims to create a virtuous cycle where "integrity in business leads to financial support, financial support drives customer growth, and customer growth strengthens business confidence," thereby fostering a supportive environment for individual businesses and stimulating consumption in Shanghai [5] Future Directions - ICBC Shanghai Branch plans to continue integrating financial products with the operational scenarios of individual businesses, enhancing service capabilities, product innovation, and service efficiency [5] - The bank aims to contribute to the high-quality development of Shanghai's private economy and the creation of a world-class business environment [5]

Group 1 - The opening of the Guangzhou Metro Line 13 Phase II is a significant step in reshaping the eastern development pattern of Guangzhou, connecting key areas such as Tianhe, Huangpu, and Zengcheng [1][2] - The new line spans approximately 33.8 kilometers with 23 underground stations, enhancing the operational service level of the city's rail transit network and alleviating passenger pressure on Line 5 [2] - There is a strategic alignment between the metro line and the geographical distribution of Guangzhou Rural Commercial Bank's branches, with 14 out of 15 stations located within 1 kilometer of a bank branch, facilitating convenient financial services for citizens [2][3] Group 2 - Guangzhou Rural Commercial Bank's brand train serves as a mobile financial service station, offering various innovative loan products and services tailored to the diverse financial needs of residents in Zengcheng and Huangpu [3][4] - The bank has a total asset amount of 1,406.706 billion yuan and a deposit balance of 1,014.758 billion yuan as of June 30, 2025, with a revenue of 8.037 billion yuan, reflecting a year-on-year growth of 9.41% [3] - The bank actively supports local economic development, having signed long-term strategic cooperation agreements with 332 enterprises, with a total credit amount of 10.65 billion yuan [3][4] Group 3 - The integration of financial services into the daily lives of citizens is enhanced by the metro line's expansion, improving accessibility and convenience for users [5] - The bank's commitment to follow the city's development pace and enhance financial service levels is evident, contributing to the economic and social development of Guangzhou [5] - The mission of "Creating a Better Life Together" is embedded in the urban development pulse as the bank leverages the metro network to bring financial services closer to the community [5]

编者按： 齐鲁晚报·齐鲁壹点记者 黄寿赓 作为金融"五篇大文章"之一，养老金融在应对老龄化过程中，联结着资金端、服务端、产业端，发挥着重要"枢纽"作用。近年来，人民银行山东省分行从细 化完善政策体系、深化部门协作、促进银企对接等方面发力，推动全省养老金融服务质效不断提升。截至2025年7月末，山东省养老产业贷款余额150亿元， 贷款余额同比增长32.3％，高于全部贷款增速23.3个百分点，贷款平均利率3.85％，同比下降63个BP。 数据增长背后，山东多地围绕"养老金融"亮点频出。人民银行滨州市分行制定养老金融"五年行动方案"，开展金融支持养老服务发展"五个一"提升行动，配 套设置5亿元央行资金专项额度，支持金融机构加大对养老产业主体的金融支持。终端、产业、人才……滨州市养老产业全链条"含金量"不断提升。 银行+担保解决"融资难" 9月8日下午，邹平市山东中博养老服务有限公司（简称"中博养老"）内，十几名老人在工作人员统一照护下室外凉憩。步入室内，书画室中，几名老人正在 挥毫，楷书、隶书、行草……一笔一画书写幸福晚年；手工室中，扇子、鞋子、荷包……一针一线织就美好生活。 为这些老人建起温馨港湾的中博养老是一所 ...

Core Viewpoint - The Hubei Provincial Financial Office and eight other departments have jointly issued a work plan to advance the construction of the Wuhan Science and Technology Financial Center, focusing on enhancing its functional positioning and establishing a comprehensive science and technology financial service system [1][3]. Group 1: Key Initiatives - The plan outlines five key areas and 25 specific measures to gather science and technology financial resources, optimize policies, and build high-standard financial clusters in Wuhan [3]. - Wuhan aims to promote science and technology financial reform experiments, including the establishment of a national science and technology financial reform pilot zone and a high-level technology insurance innovation demonstration zone [3]. - The city will optimize the science and technology financial ecosystem by restructuring financial institutions and improving management services, as well as enhancing various financial products tailored for innovation and entrepreneurship [3][4]. Group 2: Financing and Support Mechanisms - Wuhan plans to improve the technology guarantee system, providing "light asset, wide credit, and convenient" financing services for technology-based enterprises through data and fiscal credit enhancement [4]. - The city will reconstruct the guidance service system for companies going public, leveraging various capital markets to facilitate bond issuance and listing for technology enterprises [4].

Group 1 - The core viewpoint of the news is the launch of a comprehensive plan to establish Wuhan as a high-level technology and finance center by 2027, with a focus on significant growth in key technology finance indicators [1] - The plan includes 25 specific measures across five key tasks, emphasizing the positioning of Wuhan to leverage resources and support technological innovation [1][2] - The initiative is part of a broader national strategy to support various regional technology innovation centers, with Wuhan being the only selected city in Central China [1] Group 2 - In terms of resource aggregation, the plan aims to create offline and online comprehensive service platforms for technology finance, and establish a talent hub in Wuhan [2] - The plan supports the establishment of a national technology finance reform pilot zone in Wuhan and aims to build a high-level technology insurance innovation demonstration area [2] - The initiative includes optimizing the financial ecosystem by restructuring financial institutions and enhancing various financial products tailored for technology enterprises [2][3] Group 3 - The plan seeks to reconstruct the government guidance fund system to create a nationally influential venture capital center, facilitating large-scale investment funds [3] - It aims to enhance credit systems for technology enterprises, providing more accessible financing options through a combination of data and fiscal credit enhancements [3] - The initiative also focuses on improving the listing guidance service system for enterprises, utilizing various capital markets to support technology companies in raising funds [3]

Core Viewpoint - The article highlights the collaboration between government, banks, and enterprises in the Inner Mongolia Rare Earth High-tech Zone to enhance financial support for local businesses, particularly focusing on the rare earth industry and innovative financing solutions [4][5]. Group 1: Company Developments - Baotou Yingsite Rare Magnetic New Materials Co., Ltd. is a leading private enterprise in the rare earth sector, focusing on magnetic components for consumer electronics, and has become a key supplier for major brands like Huawei, Xiaomi, and Microsoft [2]. - The company aims to enhance its production lines, expand product offerings, and increase production scale, necessitating ongoing financial support [2]. - The company has already engaged with three banks that tailored financing products to meet its specific needs [2]. Group 2: Financial Initiatives - The Rare Earth High-tech Zone organized a "Government-Bank-Enterprise Connection Conference" to facilitate better communication and match financial services with the needs of over 150 enterprises and 19 financial institutions [4]. - The conference introduced over 20 innovative, unsecured credit products, including patent quick loans and order loans, aimed at transforming technology and patents into capital [4]. - A new action plan was established to create a comprehensive financial service system that includes online and offline interactions, ensuring continuous support for enterprises throughout their lifecycle [5]. Group 3: Financing Achievements - The Rare Earth High-tech Zone has successfully implemented a dual pledge model of "fixed assets + intellectual property," providing financing to 45 innovative entities, resulting in over 40 billion yuan in loans [8]. - In the first half of the year, 1.57 billion yuan was directed to enterprises, along with guidance to secure additional municipal funding [8]. - The zone aims to establish a regular "Government-Bank-Enterprise" connection mechanism, targeting 5 billion yuan in credit for enterprises and a 100% response rate to financing needs [8].