2025年12月29日，兴业银行（601166）发布公告称，为配合兴业银行2025年年终决算工作，2025年12月 30日20:00起至2025年12月31日9:00、2025年12月31日15:00起至2026年1月1日15:00，兴业银行兴闪贷、 商户贷、大地合作贷款暂停申请、发放、偿还、查询等各项服务。2025年12月31日需要还款的客户，请 于当日15:00前将足额贷款本息存入您的还款账户内。 2025年12月30日下午18:00起至2025年12月31日凌晨6:00、2025年12月31日下午15:00起至2026年1月1日 下午16:00，兴业银行将暂停自助渠道（包括网上银行、电话银行、手机银行）的个人自助贷款发放、 偿还及其他贷款查询、利率调整等，暂停个人一手住房贷款、个人二手住房贷款、个人汽车消费贷、个 人综合经营贷款、线上连连贷、易鑫和极氪车贷等业务申请，暂停柜面修改零贷手机号业务。还款扣款 日期为2025年12月31日的客户，请于当日中午12:00前将足额贷款本息存入您的还款账户。 由此给您带来的不便，谨致歉意，敬请谅解！ ...

当国内互联网流量红利见顶，信贷监管趋严，互联网大厂开始将目光转向海外信贷市场。 这些年，中资互金玩家不断将国内成熟的数字金融模式，复制到东南亚、拉美，甚至非洲等新兴市场。 而互联网大厂，整体来看，脚步似乎稍慢一些，又或许是，大厂追求的是一种更加稳健的方式，比如通过持牌，或者和持牌机构合作的模式，来打开海外 信贷市场，寻求新的增长曲线。 今年4月，「一只互金融」文章提及过蚂蚁国际招聘大量信贷相关人才，加速海外信贷业务布局。 《「蚂蚁国际」招聘大量海外信贷人才》 有趣的是，其实这大半年时间，字节跳动的海外信贷业务也在快速扩充军团。 最近，该公司招聘的海外信贷相关岗位越来越多，且更加具体。 01 正在招聘拉美信贷产品经理 据字节跳动招聘网站显示，正在招聘多个国际信贷业务相关岗位。 「信贷产品经理-国际支付」，岗位要求： 主导BNPL、个人信贷、商户金融等信贷产品规划设计，覆盖C端（BNPL、信用贷、循环贷）与B端（商户贷、提前收款）场景，制定产品路线图；针对 海外市场设计符合本地化信贷产品，适配当地支付习惯与用户偏好； 设计注册-授信-用信-还款核心流程及与合作方交互逻辑，确保符合用户体验与业务目标；结合当地牌照规 ...

Core Insights - The article highlights the proactive measures taken by the Longhua County Rural Credit Cooperative to boost local economic development through targeted financial services and innovative products [1][6]. Financial Empowerment in Cultural Tourism - Longhua County has developed five natural hot springs with a daily water output exceeding 7,000 tons and a maximum temperature of 98°C, rich in beneficial elements [2]. - The cooperative has launched a "Finance + Hot Spring Tourism" service model, creating a credit product matrix tailored to the needs of various stakeholders in the hot spring tourism industry [2]. - As of October, the cooperative has expanded its "Hot Spring Loan" to 98 hospitality businesses, with a total credit amount of 124 million yuan and actual usage of 99 million yuan [2]. Precision Support for Modern Agriculture - The cooperative has introduced the "Cattle Loan Treasure" product to address funding challenges for cattle farmers, serving 809 households with a loan balance of 349 million yuan [3]. - The cooperative provided 16 million yuan in non-repayable renewal loans to a major cattle farming company to support its new construction project [3]. - A total of 45 small and micro enterprises have benefited from non-repayable renewal loans amounting to 986 million yuan [3]. Agricultural Financing Innovations - The cooperative has developed a multi-tiered financial product system, including "Quick Agricultural Loans" and "Merchant Loans," to overcome financing barriers in rural areas [4]. - A total of 35 million yuan in loans for autumn grain purchases has been issued this year [4]. Support for New Citizens - The cooperative has introduced the "New Citizen Loan" to meet the diverse financial needs of new urban residents, providing 51 million yuan in loans to 240 new citizens as of October [5]. - Focused on supporting individual businesses and small enterprises in sectors like construction and catering, the cooperative has increased credit support for these key employment areas [5]. Future Outlook - The cooperative plans to continue innovating financial products and services, focusing on enhancing cultural tourism, upgrading agricultural industries, strengthening social welfare, and promoting regional collaboration for high-quality economic development in Longhua County [6].

Core Viewpoint - The event aims to support the development of individual industrial and commercial households by providing integrated services, including policy promotion and financial product offerings [1][3][5] Group 1: Event Overview - On December 4, the Guiping Market Supervision Administration collaborated with Guiping Guiyin Village Bank to launch the "Individual Industrial and Commercial Household Service Month" event [1] - The event included the awarding of "Famous, Special, Excellent, and New" honors to individual industrial and commercial households for the 2023-2024 period [1][3] Group 2: Policy and Financial Support - The market supervision department provided detailed explanations of the latest policies aimed at promoting the high-quality development of individual industrial and commercial households [3] - Guiping Guiyin Village Bank highlighted its exclusive financial products, such as "Merchant Loans," and offered on-site consultation services [3] Group 3: Recognition and Encouragement - Representatives from outstanding individual industrial and commercial households in sectors like catering and retail received honorary plaques during the award ceremony [3] - The event employed a multi-faceted approach of "awarding honors, delivering policies, and attracting finance" to bolster the confidence and development of individual industrial and commercial households [5]

Core Insights - The Industrial and Commercial Bank of China (ICBC) Qingdao Branch focuses on supporting individual businesses as a vital part of the market economy, emphasizing "stabilizing employment, ensuring livelihoods, and promoting consumption" [1][2] - The bank has implemented various financial products like "Small E-Loan" and "Merchant Loan" to address the urgent funding needs of small businesses, particularly in retail and wholesale sectors [1][2] Group 1: Financial Products and Services - ICBC Qingdao Branch has provided over 11.1 billion yuan in credit support to more than 16,700 individual businesses and small enterprises through its inclusive financial products by the end of September 2025 [2] - The "Merchant Loan" product allows businesses to secure loans based on their transaction flow without the need for collateral, significantly easing the financing process for small merchants [4][6] - The "Small E-Loan" has been effectively utilized by numerous merchants, with one clothing store owner receiving a 150,000 yuan loan within hours of application, showcasing the product's efficiency [6][8] Group 2: Community Engagement and Outreach - The bank has organized initiatives like "Thousand Enterprises, Ten Thousand Households" outreach and "Individual Business Service Month" to directly engage with local merchants and understand their financial needs [2][8] - A dedicated team of young customer managers has been deployed to various markets and communities to provide hands-on guidance for online financing operations [2][8] - The bank's efforts have led to successful case studies that serve as models for promoting inclusive financial services across the organization [2]

Core Insights - The Industrial and Commercial Bank of China (ICBC) Yulin Branch is actively responding to the call for financial services transformation, integrating digitalization to enhance the coverage, accessibility, and satisfaction of inclusive financial services [1][2] - By September 2025, the bank's network financing business loan balance is expected to exceed 2.7 billion yuan, significantly contributing to the high-quality development of the local economy [1] Group 1: Digital Transformation and Financial Products - The bank is innovating digital inclusive financial products to address financing challenges, promoting online products such as "New Generation Business Quick Loan," "Chain Group Transaction e-Loan," and "Cluster Merchant e-Loan" [1] - A case study illustrates the efficiency of these services, where a local spice business received a loan approval of 300,000 yuan on the same day of application, showcasing the effectiveness and convenience of digital inclusive financial services [1] Group 2: Targeted Marketing and Rural Development - The bank employs a three-dimensional driving model of "digital technology + scenario ecology + multi-party cooperation" to enhance inclusive finance by expanding its reach and improving service quality [2] - It has developed rural digital inclusive finance as a key path for supporting rural revitalization, launching online agricultural credit products like "Agricultural e-Loan," "Breeding e-Loan," and "Planting e-Loan" to support local agricultural industries [2] - The establishment of 12 "Xingnong Tong" rural inclusive financial service points aims to deliver financial and non-financial services efficiently to rural areas, addressing the last mile of financial service delivery [2]

Core Viewpoint - The article highlights the effective implementation of consumption-boosting policies in China, particularly through the initiatives of China Construction Bank's Suqian branch, which aims to enhance consumer spending and stimulate economic growth by leveraging digital platforms and government subsidies [1][2]. Group 1: Policy Implementation and Financial Services - China Construction Bank's Suqian branch actively supports national policies to boost consumption by creating a four-party ecosystem involving government, banks, merchants, and consumers [1][2]. - The bank has established a "green channel" for new business processing to streamline services for merchants, reducing inefficiencies in communication and organization [2][4]. - The bank's initiatives include providing payment settlement and credit loan services to support local merchants and consumers, ensuring that financial benefits reach the end-users effectively [2][3]. Group 2: Consumer Engagement and Market Impact - The bank's participation in the "Su New Consumption" campaign has led to significant consumer engagement, with over 150,000 customers participating and subsidies amounting to 1.079 billion yuan, directly driving consumption by 3.345 billion yuan [5]. - The focus on upgrading consumer products through initiatives like "old-for-new" exchanges in appliances and home decor is aimed at enhancing product quality and promoting sustainable consumption [3][4]. - The bank emphasizes the importance of integrating financial products into consumer scenarios to better meet the financial needs of the market [4][5]. Group 3: Digital Financial Services - The bank leverages its "CCB Life" platform to facilitate the distribution and usage of government consumption vouchers, enhancing the overall consumer experience [4][5]. - A one-on-one service model is implemented during promotional activities, ensuring that merchants receive direct support and guidance on policy implementation [5]. - The bank aims to continuously adapt its services to align with local economic development, focusing on consumer satisfaction and quality of life improvements [5].

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].

Core Viewpoint - The article highlights the significant role of Agricultural Bank of China Jiangxi Branch in empowering rural revitalization through innovative financial services and products, particularly in agriculture and rural development [1][2][3]. Group 1: Financial Support and Innovations - As of August 2025, the Agricultural Bank of China Jiangxi Branch has provided over 327.83 billion yuan in county loans, with agricultural loans reaching 179.83 billion yuan, and loans to impoverished counties increasing to 109.72 billion yuan, reflecting a substantial increase in financial support [1]. - The bank introduced the "Plant Variety Rights Pledge Loan," transforming intangible intellectual property into tangible financial support, exemplified by Tianya Seed Industry receiving a 30 million yuan credit [2]. - The bank's targeted financial services have led to nearly 3 billion yuan in loans for agricultural households, demonstrating a commitment to addressing the financing challenges faced by rural enterprises [2]. Group 2: Focus on Food Security and Agricultural Development - The Jiangxi Branch prioritizes food security, with a loan balance of 10.97 billion yuan in key agricultural sectors, marking a 10.87% increase since the beginning of the year [3]. - The bank supports the development of agricultural specialty industries, providing 2.2 billion yuan in credit for 18 large-scale planting and processing projects, enhancing the "Gan" brand agricultural products [3]. - In the tea industry, the bank allocated 300 million yuan in project loans, facilitating the modernization of traditional tea production in a region with a 1,700-year history of tea cultivation [3]. Group 3: Rural Revitalization and Community Development - The bank has issued 473.64 billion yuan in rural construction loans and 702.03 billion yuan in green credit, contributing to the overall rural revitalization efforts [5]. - Through the "Huinong e-loan" program, the bank has provided online credit loans to cooperatives and family farms, alleviating financial pressures during critical harvest periods [4]. - The bank's initiatives have led to the creation of over 200 jobs and the return of more than 40 young people to their hometowns, fostering local economic development [6]. Group 4: Digital Transformation and Financial Education - The bank has implemented the "Digital Rural Project," connecting various stakeholders in rural finance through the "Agricultural Bank Huinong Cloud" platform, with 8,819 customers registered as of August [10]. - The establishment of 4,191 credit villages has facilitated the flow of 173.24 billion yuan in credit, enhancing trust and financial accessibility in rural areas [10]. - The bank's outreach efforts include 2,423 financial education sessions, ensuring that financial knowledge reaches rural communities effectively [11].

Core Viewpoint - Agricultural Bank of China Beijing Branch is actively supporting rural revitalization through innovative financial products and services tailored to the specific needs of rural industries, thereby enhancing agricultural productivity and improving the livelihoods of local farmers [1][2][8]. Group 1: Financial Support for Rural Industries - The bank has developed specialized financial products to address the unique needs of rural industries, ensuring that farmers can access loans that are easy to obtain, beneficial to use, and manageable to repay [2][3]. - A notable example includes the "Rural Revitalization e-loan," which provided funding between 500,000 to 1 million yuan to a cooperative in Dawo Village, enabling them to expand their mushroom production and processing capabilities [3]. - The cooperative's annual output value has reached 3 million yuan, significantly increasing the average income of villagers from 16,000 yuan in 2016 to 28,000 yuan by 2025 [3]. Group 2: Diverse Financial Products - Agricultural Bank of China Beijing Branch has introduced various financial products such as merchant loans, rural tourism loans, order loans, facility loans, and agricultural insurance loans to strengthen rural industries [5]. - The bank has also supported the Beijing Jingchun Beekeeping Cooperative with loans ranging from 1 million to 2 million yuan to help expand their operations, demonstrating a commitment to addressing the specific challenges faced by different agricultural sectors [4]. Group 3: Infrastructure and Community Development - The bank has invested nearly 2 million yuan in "rural tourism loans" to enhance local tourism infrastructure in Huangshandian Village, contributing to the overall economic development of the area [6]. - Additionally, over 2.4 million yuan has been allocated for public welfare projects in various villages, focusing on road construction, waste management, and cultural facilities [6][7]. Group 4: Talent and Knowledge Support - The bank has initiated programs to pair rural revitalization demonstration villages with better-developed administrative villages, fostering knowledge transfer and resource sharing [7]. - A team of five skilled personnel has been deployed to provide on-the-ground financial services and guidance, ensuring that local communities receive comprehensive support [7]. Group 5: Future Commitment - The bank plans to continue enhancing its financial support for key agricultural sectors, with a focus on food security, rural industries, and agricultural technology, having already issued nearly 9 billion yuan in loans to agricultural enterprises [8]. - The ongoing efforts aim to create a sustainable model for rural revitalization, ensuring that financial services are closely aligned with the needs of the agricultural sector and rural communities [8].