个体工商户是城市经济的毛细血管，也是民生消费最直接的服务者。为让金融活水惠泽街巷的千店万铺，江西中行创新金融产品，优化服务链条，保障"双 节"供给需求，点燃经济"烟火气"。 新年新气象，消费市场涌现满满活力。作为金融服务实体经济发展的重要力量，中国银行江西省分行（以下简称"江西中行"）积极响应国家关于提振消费的 政策号召，立足区域消费市场，通过打造服务场景、强化产品创新、优化活动形式、加大授信供给等"组合拳"，全力促进元旦至春节"两节"期间生产消费火 热升温。 深耕金融场景 提升消费体验 丰富消费场景、优化消费环境，是激发消费活力的重要引擎。在新年伊始，江西中行依托节日氛围，围绕"金融惠民促消费"主题，推出系列手机银行优惠活 动。通过"商贸活动""消费有礼""信用卡还款优惠""淘宝京东购物满减"等让利措施，叠加投放多轮立减金等形式消费券，提升客户支付体验，助力释放消费 活力。 同时，江西中行将信用卡服务嵌入高频消费场景，以个性化权益设计满足差异化需求。一方面，聚焦大众出行、加油、日常购物等需求，推出"一分钱乘地 铁""中石化加油满减"及"重点商圈消费满减"等优惠活动；另一方面，针对客群特征和用卡习惯，增设专属 ...

Core Viewpoint - The Zhejiang Province has introduced the "Ten Measures for Financial Support of Individual Industrial and Commercial Households" to address the challenges faced by individual businesses, which constitute a significant portion of the local economy and employment [1][2]. Group 1: Policy Overview - The policy includes ten areas of focus: foreign trade support, stable financing expectations, digital empowerment, credit enhancement measures, insurance protection, categorized assistance, cost optimization, service accessibility, one-stop services, and policy promotion [1]. - The measures aim to resolve urgent issues faced by individual industrial and commercial households [1]. Group 2: Foreign Trade and Financing Support - To enhance foreign trade support, the policy proposes simplifying foreign exchange payment procedures and improving cross-border fund settlement efficiency [1]. - The financing expectations for individual businesses will be stabilized by extending loan renewal policies from small and micro enterprises to individual industrial and commercial households, along with promoting "continuous loans + flexible loans" to meet temporary and seasonal funding needs [1][2]. Group 3: Credit and Insurance Innovations - The policy aims to address the long-standing issue of unsecured loans for individual businesses by utilizing a provincial financial service platform to create precise credit profiles, enabling financial institutions to issue credit loans based on these evaluations [2]. - It also encourages converting intangible asset values, such as trademarks and patents, into loan qualifications, providing intellectual property pledge financing for businesses with such assets [2]. Group 4: Targeted Assistance - The policy emphasizes categorized and precise assistance based on the development stages of individual businesses, offering tailored financial products such as "entrepreneur loans" for startups and guaranteed loans for survival-type businesses [2]. - For growth-type businesses, credit loans and expedited loan approvals will be provided, while development-type businesses will have access to specialized credit products like "Famous and Special Loans" [2]. Group 5: Service Enhancement - The policy focuses on increasing credit issuance and consumer finance resources, enhancing service reach through online and offline strategies, and establishing comprehensive service centers for one-stop services [3]. - It also aims to strengthen multi-department collaboration for effective policy promotion and implementation [3].

Core Viewpoint - Zhejiang Province has introduced the "Ten Financial Measures to Support Individual Businesses" aimed at addressing the urgent needs of individual businesses, focusing on aspects such as foreign trade support, financing stability, digital empowerment, and one-stop services to promote high-quality development [1][3]. Group 1: Financial Support Measures - The "Ten Financial Measures" include simplifying foreign exchange payment procedures, enhancing cross-border fund settlement efficiency, and promoting currency risk hedging for individual businesses [3][4]. - The measures expand the renewal loan policy from small and micro enterprises to individual businesses, introducing a "continuous loan + flexible loan" mechanism to meet temporary and seasonal funding needs [4][5]. - The initiative aims to convert intangible asset values, such as trademarks and patents, into loan qualifications, providing intellectual property pledge financing for individual businesses [4][5]. Group 2: Classification and Targeted Assistance - The policy encourages low-threshold "entrepreneurial loans" for "startup" individual businesses, guarantees loans for "survival-type" businesses, and offers credit loans and expedited approvals for "growth-type" businesses [5][6]. - A focus on providing tailored support based on the different development stages of individual businesses is a significant highlight of the measures [5][6]. - The initiative also emphasizes increasing credit allocation and consumer finance resources, enhancing service reach through online and offline methods, and establishing comprehensive service centers for one-stop services [5][6]. Group 3: Digital Empowerment and Credit Evaluation - Zhejiang Province has developed a new financing model centered on credit, creating a closed-loop system of "digital empowerment + credit evaluation + credit-based lending" to convert credit evaluation results into usable loan qualifications [6][7]. - The "Zhejiang Individual Business Service Online" platform connects 7.49 million individual businesses with 219 banks, addressing the information asymmetry in loan applications [6][7]. - The credit evaluation model, built from public data, allows for precise profiling and rating of individual businesses, facilitating easier access to credit loans and better interest rates for those with high credit ratings [7].

Core Viewpoint - The Zhejiang Provincial Government has announced ten measures to support the high-quality development of individual businesses, aiming to enhance financial services and improve operational efficiency for this sector [1][15]. Group 1: Financial Support Measures - Simplification of foreign exchange payment procedures and enhancement of cross-border fund settlement efficiency for individual businesses [3][15]. - Extension of loan renewal policies from small and micro enterprises to individual businesses, allowing for early renewal assessments by financial institutions [4][18]. - Implementation of a digital platform to create precise credit profiles for individual businesses, facilitating access to credit loans based on credit evaluations [5][20]. Group 2: Risk Management and Insurance - Promotion of various insurance products tailored for individual businesses, including "restaurant and accommodation insurance" and "small business insurance," to mitigate operational risks [6][22]. - Introduction of knowledge property pledge financing services for individual businesses with intangible assets like trademarks and patents [5][20]. Group 3: Tailored Financial Services - Development of differentiated financial services based on the growth stage of individual businesses, including low-threshold "startup loans" for new businesses and credit loans for established ones [7][24]. - Encouragement of financial institutions to utilize tax exemptions on loan interest income to reduce financing costs for individual businesses [9][26]. Group 4: Accessibility and Policy Promotion - Increased outreach efforts to individual businesses through online platforms and face-to-face meetings to improve access to financial services [10][27]. - Establishment of comprehensive service centers to provide a one-stop solution for credit, insurance, and administrative services [11][30]. - Collaborative efforts among regulatory bodies and financial institutions to enhance policy awareness and accessibility for individual businesses [12][31].

Core Viewpoint - The Bank of China Beijing Branch has effectively aligned its operations with the national strategy and the capital's development needs during the "14th Five-Year Plan" period, focusing on technology finance, green finance, cross-border finance, and addressing key social demands, thereby delivering high-quality results in supporting the capital's development [1][2][6]. Group 1: Technology Finance - The Bank of China Beijing Branch has established a three-tier service system for technology finance, including 17 specialized outlets, to comprehensively cover the service needs of innovation enterprises in the capital [2][4]. - Innovative financial products such as "Innovation Star Loan," "Specialized and New Loan," and "Entrepreneur Loan" have been launched to address the unique challenges faced by technology enterprises, particularly those with asset-light characteristics [4][5]. - The branch has actively participated in major innovation forums and customized financial products to support high-quality entrepreneurial projects in Beijing [2][4]. Group 2: Green Finance - The Bank of China Beijing Branch has developed a comprehensive green finance service system, establishing a green financial working group to provide specialized services across various sectors [6][8]. - The branch has implemented targeted credit policies for industries such as hydrogen energy and new energy vehicles, ensuring that financial support reaches green industries effectively [6][8]. - By the end of Q3 2025, the balance of green upgrade projects in infrastructure exceeded 200 billion yuan, demonstrating the branch's commitment to supporting sustainable development [8]. Group 3: Cross-Border Finance - The Bank of China Beijing Branch has enhanced cross-border financial services by launching various convenient settlement products, facilitating trade and investment for enterprises [11][12]. - The branch has pioneered several industry-first initiatives, including the establishment of a cross-border dual-currency cash pool and the first full RMB capital injection for foreign financial institutions in the region [12]. - A new innovative service product, the "Mifang Card," has been developed to enhance payment convenience for foreign visitors, integrating payment, communication, and travel needs [13]. Group 4: Social Responsibility and Inclusive Finance - The Bank of China Beijing Branch has introduced diverse financial products and services to meet the needs of the public, particularly in areas like rural revitalization and individual entrepreneurship [16][17]. - The branch has successfully supported small and micro enterprises with loans exceeding 80 billion yuan by the end of September 2025, addressing their financing challenges [17]. - Initiatives in the elderly care sector have been implemented, including the launch of various age-friendly products and the organization of financial literacy events to enhance the quality of life for senior citizens [18]. Group 5: Cultural and Community Support - The Bank of China Beijing Branch has actively engaged in cultural projects, providing financial support for the renovation of cultural sites and promoting cultural enterprises through optimized processes and reduced fees [19]. - The branch has established a one-stop service system to assist cultural enterprises in securing financing and connecting with resources, thereby enhancing the cultural industry's development [19]. - The bank's efforts in supporting cultural heritage and tourism projects have contributed to enriching the spiritual and cultural needs of the capital's residents [19].

Core Viewpoint - The fourth "Individual Business Service Month" in Fujian aims to empower individual businesses and support the high-quality development of the private economy through various initiatives involving government, financial institutions, and platform enterprises [1][3]. Group 1: Government Initiatives - The Fujian Provincial Market Supervision Administration has implemented a series of policies to support individual businesses, establishing a precise assistance mechanism that has recognized 892 "specialized and innovative" individual businesses and supported 3,730 individual businesses in transitioning to enterprises, a year-on-year increase of 338% [3]. - As of August 2025, the total number of individual businesses in Fujian is expected to reach 5.5466 million, accounting for 72% of the province's total operating entities, directly creating 13 million jobs [3]. Group 2: Financial Support - China Bank's Fujian branch has launched exclusive services for individual businesses, including specialized loan products like "Specialized and Innovative Loan" and "Transition Loan," aimed at injecting sustainable development momentum into these businesses [4]. - Major banks, including China Bank, Industrial and Commercial Bank of China, and others, have signed credit agreements with individual business representatives to provide financial support [4]. Group 3: E-commerce Participation - JD.com has introduced a low-commission policy for "specialized and innovative" individual businesses, offering commission waivers for food delivery merchants who join before May 2025, and ensuring that subsequent entrants will not pay more than 5% in commissions [4]. Group 4: Activities and Training - During the "Service Month," various activities will be conducted, including policy interpretation, financing support, employment guidance, and rights protection, aimed at enhancing skills and facilitating connections between banks and businesses [6]. - The Fujian Provincial Market Supervision Administration plans to continue supporting individual businesses through precise policy supply, brand service development, and exemplary demonstrations [6].

Core Viewpoint - The Shandong Branch of Bank of China has achieved a significant milestone by surpassing a loan balance of 100 billion yuan in inclusive finance, demonstrating its commitment to supporting small and micro enterprises and contributing to the local economy [1][8]. Group 1: Organizational Support - The achievement of 100 billion yuan in loans is backed by a "collaborative linkage" organizational structure that enhances service delivery [2]. - A comprehensive service system has been established to better serve small and micro enterprises, including a three-tiered collaborative mechanism involving the provincial branch, city branches, and sub-branches [3]. Group 2: Service Innovation - The bank focuses on addressing the pain points of the real economy by innovating products and service models to tackle issues such as "difficult, slow, and expensive" financing for small and micro enterprises [5]. - Specific financial products tailored for individual businesses, such as "Growth Loan," "Development Loan," and "Specialty Loan," were launched to meet diverse financing needs [3][5]. Group 3: Technology Empowerment - The bank is leveraging digital transformation to enhance efficiency in inclusive finance, utilizing big data and artificial intelligence to improve customer outreach and risk management [7]. - A dual-channel service system has been established, integrating online and offline services to streamline the loan application process and improve service efficiency for small and micro enterprises [7]. Group 4: Future Commitment - Surpassing the 100 billion yuan mark in inclusive finance loans is seen as a significant achievement and a starting point for further efforts to support small and micro enterprises and contribute to high-quality economic development in Shandong [8].