齐鲁晚报·齐鲁壹点 王小涵 一是政策体系迭代升级，支撑更加有力。在全国率先出台《关于促进高质量充分就业的实施意见》，围 绕高校毕业生、农民工、就业困难人员等重点群体，不断完善就业补贴、稳岗返还、技能提升、创业扶 持、扩岗补助等惠民惠企举措，打出一系列政策"组合拳"，构建起具有山东特色的就业政策框架，为各 类劳动者高质量充分就业提供清晰的路径指引和坚实的制度保障。 二是就业总量不断增长，结构持续优化。全省城镇新增就业608.93万人，提前超额完成"十四五"规划目 标。特别关注高校毕业生、农民工等重点群体就业，创新建设大学生就业创业赋能中心，培育建设300 多个劳务品牌，全省农民工规模稳定在2300万人左右。开发城乡公益性岗位，安置就业159.49万人，规 模全国第一。 三是技能培训精准赋能，照亮就业之路。围绕提升劳动者的自我发展能力、破解就业结构性矛盾，深入 实施"技能照亮前程""技兴齐鲁 乐业山东"等专项培训行动，"技能山东"建设取得重要进展。紧跟产业变 革，组织新职业新业态和急需紧缺职业培训18.6万人次,打造35个省级齐鲁绿色低碳精品培训项目。面向 高校毕业生、农民工等重点群体，累计开展补贴性职业技能培训 ...

2025年北京市未来产业公开路演量子专场昨日在中关村创业大厦举行。华翊量子、未磁科技等8家量子领域创新企业依次登台展示， 与中科创星、同方科创、高精尖基金、策源资本、惠丰达资本、啟赋资本等投资机构代表深度交流技术突破、场景落地经验，共探产 业发展新趋势。此次公开路演致力于打造涵盖资金、基金、信贷产品、孵化培育于一体的投融资服务平台，不仅为创新企业提供了展 示实力的舞台，更搭建了政企对接、资企合作、产学研融合的长效沟通机制。北京市经济和信息化局也计划通过公开路演遴选出潜力 企业，给予不超过100万元的奖励，推动企业快速发展，为未来产业发展注入新动力。 破解创新企业融资瓶颈 落实未来产业投入增长机制 据了解，本次路演活动属于"创赢未来"项目路演活动系列活动，是北京市经济和信息化局落实未来产业投入增长机制的重要举措，旨 在形成以市场化方式挖掘优质企业、以接力支持方式做强未来产业的产业培育新机制。 王晶介绍，未来产业代表着新一轮科技革命和产业变革方向，是经济增长的最活跃力量。北京市率先开展未来产业前瞻布局，在谋划 《"十四五"高精尖产业发展规划》时，将未来产业作为关键一环，提出瞄准国际前沿抢占产业发展制高点，超前部署 ...

"我们迅速启动绿色通道，结合企业用工稳定、信用良好、经营稳健等优势，高效完成尽调与审批。"重庆农商行铜梁蒲吕支行相关负责人表示。从提交申请 到资金入账，全流程仅用4个工作日，较以往大幅缩短。 "若按传统抵押贷款模式，我公司最多获批200万元，且利率更高。"王杰表示，"创业担保贷款不仅额度大、放款快，政府贴息更直接减轻了融资负担。" "从申请到500万元贷款到账，仅用不到一周时间，这笔钱真是'及时雨'。"11月24日，重庆铜梁区某建筑企业财务负责人王杰欣高兴地说道。由重庆农商行 发放的创业担保贷款已迅速到位，有效缓解了企业的资金压力，为稳岗扩产注入了强劲动力。 这是自重庆市优化创业担保贷款政策以来，铜梁区落地的首笔企业创业担保贷款，标志着区域金融服务实体经济的效能进一步提升。 据了解，今年6月起，重庆市通过"提额度、给补贴、降成本"组合拳，大幅降低创业融资门槛。具体包括个人创业担保贷款额度由30万元提高至50万元；小 微企业贷款额度由400万元提升至600万元；合伙创业的个人贷款额度提升至每人55万元，贷款总额上限达600万元。此外，符合条件的企业还可享受每年最 高0.5%的担保费补贴。在财政贴息和担保费补贴双 ...

Core Insights - The article highlights the proactive measures taken by Tongchuan City to enhance employment and income generation, focusing on various strategies to stabilize and expand job opportunities for residents [1][2][3][4][5] Employment Initiatives - Tongchuan City has set a core goal of "greater efforts to stabilize and expand employment," leading to the creation of 5,851 new urban jobs and a workforce of 26,000 from poverty alleviation efforts this year [1][2] - The city has organized 153 recruitment events, connecting over 51,600 job postings with job seekers, and has utilized innovative methods such as 81 live-streamed job fairs on Douyin, resulting in 23,000 job postings for 1,427 companies [2] Entrepreneurship Support - The city has optimized the entrepreneurial environment by reducing administrative hurdles and providing financial support, issuing 196 million yuan in entrepreneurial guarantee loans to alleviate funding pressures for startups [3] - A cloud sharing event attracted over 3.5 million views, promoting a culture of innovation and entrepreneurship within the community [3] Training and Skill Development - Tongchuan City has implemented a comprehensive training program, offering targeted training for 158 newly hired university graduates in electrical and mechanical skills, and has certified 1,288 workers for advanced skill levels [2][4] - The city has established 116 community factories that have collectively employed 1,892 individuals, demonstrating the effectiveness of skill training in matching job seekers with market demands [4] Digital Transformation in Employment Services - The city has integrated its public employment service system with a digital platform, resolving over 130 online service issues and facilitating the online processing of social security subsidies for companies hiring graduates [5] - Five employment service stations and 18 gig worker stations have been established to provide one-stop services, enhancing convenience for residents seeking employment [5] Future Outlook - The government plans to continue expanding employment and entrepreneurship efforts, focusing on optimizing the employment environment, deepening skill training, and providing targeted assistance to key demographics [5]

Core Viewpoint - The "Yirongtong" platform has been launched to provide comprehensive financial services for small and micro enterprises and citizens in Junlian County, significantly improving efficiency in accessing financial products [1][2]. Group 1: Platform Features - The platform integrates over 30 financial institutions and more than 150 financial products, covering a full range of services including banking and guarantees [2]. - Users can quickly find suitable credit products through intelligent screening and customization features, which greatly shortens the financing cycle [2]. Group 2: Financial Support Policies - The platform offers fiscal subsidy services such as interest subsidies for entrepreneurial guarantee loans and consumer loans [2]. - The personal application limit for entrepreneurial guarantee loans has increased from 300,000 to 500,000 yuan, while small and micro enterprises can apply for up to 6 million yuan [2]. - Youth aged 18-40 starting a business in Sichuan within three years can apply for interest-free and collateral-free startup loans ranging from 30,000 to 100,000 yuan [2]. - From April 1 to September 30, 2025, loans for specific consumer purchases can enjoy a 1.5% annual interest rate subsidy, with a maximum of 3,000 yuan per loan [2]. Group 3: Application Process - Users can log onto the "Yirongtong" official website to apply for financing by filling in their desired amount, repayment period, and preferred financial institutions [3]. - For consumer loan interest subsidy applications, users can select the relevant theme on the website and submit required information and documents for review [4]. Group 4: Future Developments - Junlian County aims to enhance the business environment by optimizing administrative approval processes and deepening "Internet + Government Services" initiatives [5]. - The county is committed to ensuring that financial services reach small and micro enterprises effectively, positioning the business environment as a core competitive advantage for high-quality development [5].

Core Viewpoint - The People's Bank of Beijing and various municipal departments have jointly issued an implementation plan aimed at boosting and expanding consumption in Beijing by 2030, outlining 18 specific measures across six key areas [1][2]. Group 1: Financial Support for Consumption - The implementation plan emphasizes increasing financial support for key areas such as commodity consumption, cultural tourism, sports consumption, and resident service consumption, including accommodation and dining [2]. - It aims to innovate financing models and increase credit investment to support consumption infrastructure and the commercial circulation system [2]. Group 2: Support for Specific Groups - The plan includes policies to support small and micro enterprises, individual businesses, and other entities with strong employment capabilities through measures like interest subsidies for first-time loans and entrepreneurial guarantee loans [2]. - It also focuses on optimizing financial services for the elderly population, providing comprehensive financial services tailored to different stages and characteristics of aging groups [2]. Group 3: Payment Services and Consumer Environment - The plan aims to enhance payment services in key consumption scenarios and commercial districts, improving the consumption experience for foreign visitors in Beijing [2]. - It emphasizes the need for policy coordination to cultivate a favorable environment for consumption [1].

在服务实体经济的同时，金融机构必须守住风险底线。全丽萍介绍，建行通过"风险先行"理念与智能风 控系统，实现风险的早识别、早预警、早处置。镡方东强调，城商行应"敬畏风险但不畏惧发展"，通过 科技赋能与合规文化建设，实现风险与收益的平衡。 汤志江从期货行业角度指出，风险是累积过程，应通过"一体化风险预警机制"与金融工具协同，提前化 解系统性风险。郝晓姝则认为，券商应从"信仰定价"转向"市场化定价"，通过证券化与凭证类产品分散 风险，推动风险显性化与市场化处置。 新华财经北京11月17日电在"十四五"收官、"十五五"开局的关键节点，实体经济的高质量发展对金融机 构提出了更高要求。近日，在第九届雄安新区投融资发展论坛上，来自银行、证券、期货等领域的金融 专家围绕"金融机构如何精准赋能实体经济"展开深度对话，从战略布局、服务创新、风险平衡等多维度 建言献策，共同勾勒出"十五五"期间金融赋能实体经济的路线图。 聚焦"十五五"：实体经济新目标呼唤金融服务升级 中国建设银行河北省分行副行长全丽萍指出，金融机构应提升服务的"精准性、适配性与可得性"。她强 调，国有大行应聚焦实体经济的关键领域与薄弱环节，打造"全周期陪伴、全链条 ...

Core Viewpoint - The People's Bank of China (PBOC) has implemented a moderately accommodative monetary policy in 2023, aiming to create a favorable monetary environment for economic recovery and financial market stability [1][2]. Monetary Policy Implementation - The PBOC has maintained reasonable growth in money and credit by utilizing various monetary policy tools such as open market operations and medium-term lending facilities to ensure ample liquidity [1][2]. - The central bank aims to reduce the overall financing costs in society by enhancing the market-oriented interest rate adjustment framework, leading to a decline in both deposit and loan rates [1][2]. - The PBOC is focusing on optimizing the credit structure by utilizing 500 billion yuan for consumption and pension-related loans, as well as increasing support for technology innovation and transformation [1][3]. Exchange Rate Stability - The PBOC emphasizes maintaining basic stability in the exchange rate, allowing the market to play a decisive role in its formation while ensuring it serves as a stabilizer for the macro economy and international balance of payments [1][4]. Financial Risk Management - The central bank is committed to systematically addressing financial risks by enhancing monitoring, assessment, and early warning systems for key financial sectors [2][6]. - The PBOC plans to maintain reasonable growth in financial aggregates and ensure that social financing conditions remain relatively loose, adapting to changes in the economic and financial landscape [2][6]. Financial Market Development - The PBOC is focused on accelerating the development of the bond market, particularly for technology enterprises, and enhancing the legal framework for corporate bonds [5]. - The central bank aims to promote the internationalization of the renminbi and expand its use in cross-border trade and investment [5].

Core Viewpoint - The People's Bank of China emphasizes the implementation of a stable yet progressive monetary policy, aiming to balance economic growth with risk prevention while enhancing the financial system's robustness and openness [1] Group 1: Monetary Policy Strategy - The central bank will maintain a reasonable growth of financial aggregates and implement a moderately loose monetary policy to ensure social financing conditions remain relatively relaxed [2] - The focus will be on using various monetary policy tools to maintain ample liquidity and align the growth of social financing and money supply with economic growth and price level expectations [2] Group 2: Financial Support and Development - The central bank aims to enhance the guiding role of monetary and credit policies by promoting technology finance, green finance, inclusive finance, and digital finance, supporting key national strategies and sectors [3] - There will be a focus on improving financial support mechanisms for small and micro enterprises, enhancing credit systems, and promoting consumption through financial measures [3] Group 3: Interest and Exchange Rate Management - The central bank will deepen interest rate marketization reforms and improve the transmission channels of monetary policy, ensuring that market-driven interest rates reflect true lending costs [4] - A managed floating exchange rate system will be maintained, with measures to stabilize the RMB exchange rate and enhance the resilience of the foreign exchange market [4] Group 4: Financial Market Development and Openness - The development of a multi-tiered bond market will be accelerated, with a focus on supporting private technology enterprises and enhancing the legal framework for bond issuance [5] - The central bank will promote the internationalization of the RMB and expand its use in cross-border trade and investment [5] Group 5: Risk Prevention and Management - A comprehensive macro-prudential management system will be established to monitor and mitigate systemic financial risks, with an emphasis on enhancing the oversight of systemically important financial institutions [6] - The central bank will explore innovative financial tools and strengthen cross-border regulatory cooperation to maintain market stability [6]

Core Insights - In 2024, inclusive finance in China continues to show strong development momentum while presenting new characteristics [1] Group 1: Financial Support for Rural Revitalization - Financial resources are increasingly directed towards rural revitalization, with growth in agricultural operating loans and consumer loans, and a steady expansion in loan coverage for impoverished populations [1] Group 2: Support for Private and Small Enterprises - Continuous increase in credit support for private and small enterprises, with a growing scale of loans to the private economy and a favorable trend in inclusive small and micro loans, characterized by volume growth, price reduction, and quality improvement [1] - Rapid growth in loans to technology-based small and medium-sized enterprises, with an increasing loan approval rate [1] Group 3: Optimized Loan Policies for Key Groups - Further optimization of entrepreneurship guarantee loans and student loan policies for key groups, with improved accessibility of banking services for the elderly and disabled [1] - A richer product system to meet the financial service needs in the livelihood sector [1] Group 4: Increase in Bank Account Services - Continuous increase in the number of bank settlement accounts and improved service efficiency [1] - Expansion of digital RMB application trials to 26 regions across 17 provinces (municipalities), with a steady increase in digital payment scale [1] Group 5: Enhanced Financing Mechanisms - Continuous improvement of financing support mechanisms, including the launch of a national credit information sharing platform for small and micro enterprises [1] - Increasing coverage of financial credit information databases for enterprises and organizations, with rapid growth in local credit platform services [1] - Expansion of government financing guarantee business scale [1] Group 6: Inclusive Capital Markets - Enhanced inclusiveness and accessibility of multi-level capital markets, with in-depth promotion of inclusive finance pilots on the Beijing Stock Exchange and New Third Board [1] - Increasing variety of agricultural product futures and options, with a sustained increase in "insurance + futures" projects to manage agricultural risks [1] - Stable issuance and existence scale of rural revitalization bonds and asset-backed securities [1] Group 7: Improvement in Inclusive Insurance Products - Further improvement in the supply system of inclusive insurance products, with ongoing optimization of key grain crop insurance policies [1] - Increase in both insurance density and depth, along with growth in the scale of agricultural insurance risk coverage and claims payments [1]