Group 1 - The core viewpoint of the articles highlights the increasing support for college graduates in entrepreneurship through enhanced government-backed loan programs, aimed at reducing financial barriers and boosting confidence in starting new businesses [1][2][3][4][5] - Various regions are implementing policies to optimize the entrepreneurial guarantee loan mechanism, with specific measures to lower application thresholds and expand the scope of eligible borrowers [3][4][6] - The entrepreneurial guarantee loan program is characterized by government backing, which significantly reduces the financial burden on entrepreneurs, with interest rates often capped below market levels due to fiscal subsidies [9][10] Group 2 - In Anhui Province, the loan amount for returning graduates has increased from 100,000 yuan to 500,000 yuan, demonstrating a significant enhancement in financial support for this demographic [2] - As of June 29, Hunan Province has issued a total of 3.177 billion yuan in entrepreneurial guarantee loans, benefiting 7,301 entrepreneurs and creating approximately 56,000 jobs [3] - The implementation of the entrepreneurial guarantee loan program is being actively promoted by banks, with institutions like Shanghai's banks collaborating with local employment centers to facilitate access to these loans [8][10] Group 3 - The entrepreneurial guarantee loan program is seen as a vital tool for stabilizing employment and promoting economic development, with banks increasingly engaging in partnerships with government entities to support this initiative [6][7] - The program's structure allows for flexible loan terms and conditions, including higher loan limits for partnerships and exemptions from collateral requirements for certain projects [3][4] - The financial support provided through these loans is crucial for addressing the funding challenges faced by small and micro enterprises, particularly in the context of the current economic environment [2][9]

葡萄牙千兴创投创始人、香港青年甄展逸的业务覆盖香港、澳门和其他地区。长期在海外发展的他 说，粤港澳大湾区内"硬联通"愈发完善，为青年创业带来更多便利，期待更多港澳及海外青年积极投身 大湾区发展。 参加活动的广州睿资股权基金合伙人、香港青年林诺谦说，广东省积极优化创业条件，在衣食住 行、人才补贴等多方面为港澳青年提供支持，定会为港澳青年投身大湾区建设、在大湾区内地城市打拼 创造更多想象空间，将他们的创业潜力带到内地。 "到广东让我们有回家的感觉。"在广州深耕服装产业十余年的华斯度国际运营集团董事长、香港青 年张嘉晓说，《粤港澳大湾区发展规划纲要》印发实施以来，大湾区内地城市在生活、创业就业、金融 支持等多方面给予港澳青年很大支持，希望港澳青年多来走走，寻找新的发展机会。 新华社广州7月9日电（记者洪泽华、杨深深）广东省人民政府港澳事务办公室联合粤港澳有关部门 推动实施的港澳青年"粤创未来"行动9日在广州正式启动。 据悉，"粤创未来"行动将制定系列创业专项政策，帮助港澳青年破解创业初期的难题。港澳将建设 港澳青年广东创业驿站，广东省内将推动打造直达县（区）的青创驿站，为港澳青年提供政策咨询、资 源对接、创业指导、 ...

Core Viewpoint - The Shanghai Municipal Economic and Information Commission has issued a three-year action plan (2025-2027) to promote the rapid development of high-growth enterprises, focusing on increasing financial support and optimizing funding mechanisms for potential gazelle companies [1]. Group 1: Financial Support Initiatives - The plan emphasizes increasing entrepreneurial funding support, including direct financing through angel funds, venture funds, and corporate venture capital investments for early-stage gazelle projects [1]. - It encourages banks to establish specialized loan products such as "entrepreneur loans," "sci-tech loans," and "credit loans," facilitating a green approval channel for potential gazelle enterprises [1]. - The plan aims to enhance equity financing support by optimizing the assessment mechanism for state-owned funds, increasing tolerance for errors, and promoting various funds to support gazelle enterprises [1]. Group 2: Mergers and Acquisitions Support - The initiative supports unicorn companies in optimizing the industrial ecosystem through mergers and acquisitions, promoting technological advancement and independent innovation [1]. - It encourages participation from securities companies, asset management firms, private equity funds, and industrial investment funds in corporate mergers and acquisitions, including the establishment of acquisition funds [1]. - The plan promotes banks to expand the scale of merger loans, reasonably determine loan terms, and implement comprehensive credit for companies post-merger [1].

为深入践行服务"三农"宗旨，江苏句容农商银行不断创新工作方法、优化服务模式，持续提升金融服务 可得性与覆盖面，同时坚持深入基层，通过常态化走访精准对接需求，以金融活水滋养乡村产业发展。 推行"三访三问"机制 创新金融服务模式 破解涉农融资难题 面对涉农主体普遍存在的"缺抵押、融资慢"等传统难题，句容农商银行积极创新信贷产品与服务模式， 着力提升金融支持的精准性和有效性。 返乡创业的"新农人"张大姐，在为家庭农场引进智能灌溉系统时面临资金短缺的困境，而传统的贷款模 式难以有效评估其"智慧农业"的价值。句容农商银行得知相关情况后，迅速行动，通过展业系统智能提 额，综合评估其土地流转数据、物联网设备投入、线上销售流水等多维度经营信息，并结合地方政府风 险补偿基金政策，一周内为其成功发放20万元信用类创业贷款。 智能系统投入使用后，张大姐的家庭农场实现节水30%、用工减少40%，农产品品质与售价显著提升。 精准对接基层需求 句容农商银行大力推行"三访三问"工作方法，以扎实的脚步丈量民情、用务实的行动解决难题。 一是访村委，问发展之困。该行主动与行政村"两委"紧密对接，深入了解村级经济发展规划与产业布 局，精准捕捉资金 ...

编辑：张岩 产品创新，打造金融支持"百宝箱"。该行创新推出"组团贷""商易贷""续贷通"等特色信贷产品，开展专 项对接、"靶向式"营销，对符合条件的企业及时给予信贷支持，从授信额度到还款期限，从担保方式到 利率优惠，全方位、多层次满足企业主的多样化需求。同时该行充分利用普惠小微贷款支持工具、支农 支小再贷款等货币信贷政策及"惠农贷""创业贷"等政策性产品，针对存在经营困难的中小企业，通过无 还本续贷、展期、降低利率、延期付息等方式精准施策，降低中小微企业转贷成本，助力企业纾困解 难。 暖心服务，搭建银企合作"连心桥"。该行推出"政策引导+服务升级"的综合服务方案，金融服务小分队 以"电子营销地图"为载体，深入产业园区、市场商圈进行"地毯式"对接走访，积极搭建政银企沟通桥 梁，通过举办企业座谈会、宣讲会，上门为企业做好金融知识普及、惠企政策解读、金融产品推介，提 供开户开卡、资金结算、代发代扣等"一站式"综合金融服务，确保将政策、产品和服务送到企业，提升 服务质效，拓展业务发展范围。（郝晓波） 黄河新闻网长治讯：今年以来，屯留农商银行坚守支农支小的市场定位，持续加大对民营企业的金融支 持力度，通过强化走访对接、 ...

转自：新华财经 金融活，经济活；金融稳，经济稳。创新驱动发展，有赖于更加完善的科技金融体系；绿色发展和"双 碳"目标的实现，离不开绿色金融作为坚实后盾；推进共同富裕，需要进一步增强金融服务的普惠性； 实现老有所养、老有所依，发展养老金融势在必行；数字经济蓬勃发展，数字金融发展也要不断深化。 五篇大文章，进一步明确了未来金融业在助力经济结构优化过程中的发力点，是提高金融服务实体经济 质效的针对性部署，对于切实加强重大战略、重点领域和薄弱环节的优质金融服务，着力为经济社会发 展提供高质量金融服务具有重要意义。 立足自治区，兴业银行呼和浩特分行始终坚持金融工作的政治性、人民性，以写好写实"五篇大文章"为 己任，结合总行"区域+行业"战略部署，草原兴业主动化"国之大者"为"行之要务"，为自治区经济社会 高质量发展、人民奔向美好生活奋力驰骋。 三是融智支持区域绿色转型发展。与包头市林草局联名发布"兴业低碳鹿城借记卡"，为个人客户提供共 享单车月卡、新能源车充电、个人碳账户等三大低碳权益。与鄂尔多斯市政府成功签署碳达峰试点城市 战略合作框架协议，成为鄂尔多斯市碳达峰试点工作推进的主要合作银行。 做好普惠金融文章 践行金融 ...

Core Viewpoint - Dongping Rural Commercial Bank is actively promoting high-quality development of inclusive finance in county areas through a series of practical and effective measures [1][2] Group 1: Financial Product Innovation - The bank has launched a variety of tailored loan products to meet the diverse financial needs of small and micro enterprises and "three rural" clients, including "Fumin Greenhouse Loan" and "Fumin Fishery Loan" [1] - "Fumin Greenhouse Loan" provides specialized loan support for vegetable greenhouse growers, helping them expand production and improve yield and quality [1] - "Fumin Fishery Loan" assists fishery farmers in updating equipment and expanding farming areas, promoting the growth of the fishery industry [1] Group 2: Support for Individual Entrepreneurs - The bank has developed products like "Tongxin Leshang Loan" and "Huiqing Business Loan" for individual business owners, featuring flexible borrowing and low-interest rates suitable for frequent cash flow needs [1] - An individual entrepreneur operating a small supermarket successfully obtained a loan of 200,000 yuan through "Tongxin Leshang Loan" to stock up for the Spring Festival, resulting in good sales during the peak season [1] Group 3: Promotion of Policy-Driven Products - The bank promotes policy-based products such as "Ludanhui Agricultural Loan" and "Veteran Entrepreneurship Loan," providing low-interest loans to agricultural operators and preferential rates for veterans starting businesses [2] - A veteran entrepreneur received a loan of 500,000 yuan through the "Veteran Entrepreneurship Loan" to establish an e-commerce platform, purchase equipment, and train employees, facilitating a successful startup [2] Group 4: Future Outlook - Dongping Rural Commercial Bank aims to continue its commitment to serving the real economy, deepen reforms in inclusive finance, and enhance financial service levels to support the economic and social development of Dongping County [2]

动态化利率定价机制，赋能企业融资成本结构优化。一是对符合国家产业政策、发展前景良好的小微企 业，实行利率优惠政策，通过适当下调利率，降低小微企业的利息支出，切实减轻企业的融资负担。今 年以来，累计为376户小微企业实行利率优惠，平均让利0.4个百分点。二是深化银企合作，加大政策性 贷款投放。积极与农担公司、县退役军人事务局、县公共就业和人才服务中心等部门对接，共同推 动"鲁担惠农贷""退役军人创业贷""创业担保贷"等业务，切实将政策性贷款产品的优势发挥出来，更好 发挥金融对小微企业的支持作用。截至5月末，政策性贷款产品余额已达6.32亿元。三是全面实行"阳光 信贷"，将申贷资料名录、各环节办贷时限、监督电话等内容在营业网点、驻点办公场所等显著位置张 贴上墙，主动接受外界监督，牢固树立以客户为中心的服务理念，打造"金融为企"金字招牌。 多维拓宽准入通道，深化普惠服务体系。一是创新担保方式。针对小微企业普遍缺乏抵押物的问题，在 传统的房产、土地抵押外，积极推广知识产权质押、应收账款质押等担保方式，拓宽小微企业的担保渠 道。截至5月末，办理知识产权质押贷款5户、0.44亿元。二是加大信用贷款供给。建立科学的小微企业 ...

连家船，是闽江流域特有的水上人家居所。 这种以船为家的木质棚屋，面积不足10平方米，无电缺水，夏如蒸笼、冬似冰窖。船民家浮水上、命系 风浪。1991年3月7日，时任福州市委书记习近平同志登上郑和金家的连家船；1998年，连家船民的上岸 定居问题被列为福建省"造福工程"的重中之重，金融系统创新推出安居贷款、渔民创业贷等产品，帮助 船民告别漂泊。 如今，在宁德市蕉城区三都镇寒垅村的"海上社区"里，渔民公寓鳞次栉比，信用渔区评级体系让昔日船 民可获得高达150万元授信额度，实现了从谋生到兴业的跨越。 从水上谋生到岸上立命，连家船民的命运曲线，勾勒出中国特色金融发展之路最温暖的坐标。 1985年，习近平同志来到厦门，作为厦门经济特区初创时期的领导者、拓荒者、建设者，开启了金融改 革开放的一系列生动实践。 加强党中央对金融工作的集中统一领导，是做好金融工作的根本保证。 在福建工作期间，习近平同志提出"经济大合唱得有总指挥，地方的总指挥就是这个地方的党委、政 府"；强调"党是领导我们事业的核心力量"。 1985年6月至2002年10月，习近平同志先后在厦门市、宁德地区、福州市和福建省委、省政府任重要领 导职务。 彼时的厦 ...

这是该行积极响应党中央、国务院关于"租购并举"的住房制度改革精神的生动实践,满足了人民群众多 样化的住房消费需求。来榕务工的黄先生就是"租金贷"的首批受益者,他感慨道:"福州就业机会多,但需 一次性支付'押二付一'和租房中介费用,带来了不少压力。现在用'租金贷'租到了公司附近的公寓,不用一 次性付款,每月还款压力小,一下子轻松多了。" 除此之外,该行还在今年完成了全省首例"以新换旧"个人住房按揭贷款业务、系统内首笔退役军人创业 贷款、全国系统内首笔新增"双优"房抵组合贷融资业务、助商组合贷款等,在护航安居、支持民生方面 迈出了坚实步伐。 ▲工行福州分行员工在福州市住房展销会介绍产品 消费是经济增长的重要引擎,也关系着人民群众对美好生活的向往。工行福州分行深入贯彻党中央、国 务院关于提振消费专项行动的工作要求,以产品创新为驱动、以场景构建为路径、以科技赋能为保障,聚 焦民生关切的住房、教育、养老等领域,破除消费堵点,以金融画笔绘就消费提振新图景。 从"忧居"到"优居"释放住房需求新动能 住房问题既是民生问题也是发展问题,关系千家万户切身利益。2025年5月15日,工行福州分行成功落地全 国首笔系统内新政后个人住 ...