中经记者 郝亚娟 夏欣 上海、北京报道 当前，我国普惠金融发展呈现出"量增、面扩、价降、质提"的良好态势。截至2025年三季度末，银行业 金融机构普惠型小微企业贷款余额36.5万亿元，同比增长12.1%。普惠型涉农贷款余额14.1万亿元，较 年初增加1.2万亿元。 中国人民大学中国普惠金融研究院（CAFI）院长贝多广指出，整个金融系统全部参与普惠金融业务， 形成了多元化、多层次、适度竞争的金融供给格局，提供了包括信贷、保险、理财、资本市场等在内的 多样化金融服务。从行业趋势来看，数字普惠金融成为重要推动力，从最初的"鲇鱼效应"逐步变为撬动 行业的"杠杆作用"，对消费者保护、金融健康等方面的认识亦在逐步加深。 第二，巩固提升普惠信贷体系和能力。一是完善普惠信贷管理体系。科学设定监管目标，加强监测督 导。完善监管评价评估机制、信贷政策导向效果评估机制。及时修订普惠信贷监管制度，优化发展环 境、促进可持续发展。二是提升小微企业信贷服务质效。引导银行保持对小微企业有效的增量信贷供 给。提高小微企业融资服务定价管理能力。聚焦重点领域健全专业化服务机制。三是加强"三农"领域信 贷供给。强化农业重点领域金融服务。积极助力构 ...

2021年到2024年，全国累计资助学生6.3亿人次 守护每一个求学梦想 在工作人员的协助下，几名学生顺利办理了贷款手续。 制图：张丹峰 数据来源：教育部 学生资助事关教育公平和民生福祉。"十四五"时期，"全学段覆盖、全流程保障、全方位育人"的资 助体系持续完善，托举起亿万学子的求学梦想。目前，学生资助政策制度日益健全，构建起"奖、助、 贷、免、勤、补、减"多元政策体系。 据统计，2021年到2024年，全国累计资助学生6.3亿人次，学生资助金额累计超1.2万亿元，其中各 级财政累计投入8482亿元，占资助总金额的70%，是学生资助资金的主要来源，年均投入金额较"十三 五"时期增长了32%。 资助范围进一步扩大，资助标准进一步提升 贵州省盘州市教育局助学贷款办理柜台前，时常有家长和学生前来咨询或办理业务。 "最高可以申请多少钱？"面对提问，资助中心助学贷款负责人陈怀一边讲解政策，一边指导办理流 程。 "标准提高了，现在本专科生每年最高可以申请贷款2万元，贷款年限为'15年+剩余学制'。"陈怀解 释，"今年新入学的专科生可以贷18年，本科生可以贷19年，最长不超过22年。" "那利息怎么算呢？"有家长问。 "在 ...

"宣讲讲得很明白，这个贷款不仅可以交学费和住宿费，超出的部分还可以弥补日常生活费。" 近期，辽宁省生源地国家助学贷款政策宣讲活动持续在全省各市开展。宣讲覆盖普通高中、中职学 校及高校，宣讲对象包括高中毕业班班主任、高校辅导员、市县区资助工作者及高校在校生。宣讲通过 翔实数据和生动案例将政策讲解得清晰易懂，推动国家助学贷款政策精准落地。预计寒假前，全省开展 宣讲700余场。 "宣讲对我们来说也是一次集中培训，高三班主任以此为契机，把最新的政策吃透，在期末家长会 上向家长进行普及和宣讲。"抚顺市雷锋高级中学德育主任徐兴涛说。 本次宣讲不仅解读政策，还针对学生和家长"谈贷色变""怕被骗""怕申请麻烦、信息泄露"等顾虑逐 一解释说明，并重点介绍申请流程，让各校相关工作者和高校大学生对国家助学贷款纯信用、财政贴 息、额度灵活、利率低、期限长等显著特征有更全面的了解。 让政策宣讲从"大水漫灌"转向"精准滴灌"，各校接下来将面向学生进行更有针对性的宣讲。"我们 要求班主任主动了解每一名学生及家长的实际需求，为有助学贷款需求的学生提供咨询。"沈阳市第三 十五中学副校长白兰介绍，学校将设立专门的政策咨询站，把政策要点张贴在校园 ...

Core Points - The National Development Bank has completed the issuance of national student loans for the year 2025, providing loans to 7.02 million economically disadvantaged students totaling 103.6 billion yuan [1][4] - The bank has implemented measures to accelerate loan disbursement, shifting from a concentrated issuance in November to a staggered release after the start of the school year, with nearly 90% of loans disbursed by the end of October [4] - Since 2004, the National Development Bank has cumulatively issued national student loans amounting to 560.5 billion yuan, supporting 63.72 million economically disadvantaged students [4]

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 Viewpoint - The China Development Bank (CDB) is committed to serving the real economy by enhancing its financial services across five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, thereby contributing to the construction of a strong financial nation [1] Group 1: Technology Finance - CDB actively promotes financial services for technological innovation, providing comprehensive financial support for major national technology tasks and tech enterprises, facilitating the development of new productive forces [2][3] - CDB has issued its first batch of three "Technology Innovation Bonds" totaling 20 billion yuan, aimed at supporting technology innovation demonstration enterprises and high-tech manufacturing industries [3] Group 2: Green Finance - CDB focuses on financing for green upgrades in infrastructure, low-carbon technology innovation, and energy transitions, supporting major ecological projects and initiatives [4][5] - Since the 14th Five-Year Plan, CDB has issued 157 billion yuan in green financial bonds to support national strategies related to ecological protection and high-quality development [6] Group 3: Inclusive Finance - CDB has played a significant role in providing student loans, disbursing 246 billion yuan to support over 23 million students, accounting for over 80% of the national total [6] - The bank has supported over 1.5 million small and micro enterprises, enhancing financial services in key sectors such as technology innovation and green development [6] Group 4: Pension Finance - CDB has supported the construction of over 190,000 inclusive pension beds during the 14th Five-Year Plan, addressing the needs of the aging population [8][9] - The bank has developed personalized financing solutions to revitalize and integrate idle elderly care resources, enhancing the availability of diverse elderly care services [9] Group 5: Digital Finance - CDB is advancing digital transformation by supporting the construction of foundational networks and AI infrastructure, aiming to enhance the efficiency of financial services [10][11] - The bank is implementing innovative loan models using AI and mobile applications to improve the student loan process and overall service experience [11]

Core Viewpoint - The China Development Bank (CDB) emphasizes its commitment to serving the real economy by focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, aiming to enhance high-quality financial development and support the construction of a strong financial nation [1][17]. Group 1: Technology Finance - CDB actively promotes financial services for technological innovation, providing comprehensive financial support throughout the lifecycle of technology projects and enterprises, thereby fostering new productive forces [2][3]. - The bank has issued its first batch of three "Technology Innovation Bonds" totaling 20 billion yuan, aimed at supporting technology innovation demonstration enterprises and high-tech manufacturing sectors [4]. Group 2: Green Finance - CDB is committed to supporting green transformation in the economy and society, focusing on financing for infrastructure upgrades, low-carbon technology innovation, and major ecological projects [5][9]. - The bank has issued 157 billion yuan in green financial bonds since the beginning of the 14th Five-Year Plan, supporting national strategies for ecological protection and high-quality development [9]. Group 3: Inclusive Finance - CDB plays a significant role in providing student loans, having issued 246 billion yuan in loans supporting over 23 million students, covering 80% of the national total [11]. - The bank has supported over 1.5 million small and micro enterprises, enhancing financial services to meet diverse needs in key sectors [10][12]. Group 4: Pension Finance - CDB has supported the construction of over 190,000 inclusive pension beds during the 14th Five-Year Plan, addressing the needs of the aging population [13][14]. Group 5: Digital Finance - CDB is advancing its digital transformation by supporting the construction of foundational networks and artificial intelligence infrastructure, enhancing financial service efficiency [15][16]. - The bank has implemented a mobile app for student loan services, streamlining the application process and improving user experience [16].

Core Points - The article emphasizes the importance of financial education and awareness in enhancing the financial literacy of various community groups, particularly students and the elderly [1][2] - The activities organized by the bank aim to protect financial rights and contribute to a better quality of life through targeted financial knowledge dissemination [1] Group 1: Activities and Initiatives - The bank collaborated with local universities to conduct themed presentations focusing on common scams faced by students, such as "campus loans" and "customer service impersonation" [1] - Interactive methods like scenario simulations and Q&A sessions were employed to educate students on personal information protection, rational consumption, and legal rights [1] - Outreach efforts were also made in local markets to educate elderly clients and new residents about the dangers of illegal fundraising and pension fraud [1] Group 2: Impact and Future Plans - The activities effectively enhanced the understanding of financial knowledge among different groups, especially students with relatively low financial literacy [2] - The bank plans to continue exploring new methods and avenues for financial knowledge dissemination to contribute to a safe and stable financial environment in the community [2]

Core Points - The National Development Bank will implement interest-free and principal repayment deferral for national student loans starting January 1, 2025, for students graduating in 2025 and earlier [1][4]. Group 1: Interest-Free Policy - From January 1, 2025, interest on national student loans due in 2025 will be waived for borrowers who graduated in 2025 or earlier [1]. - The interest waiver will be applied automatically without the need for borrowers to submit an application [2]. Group 2: Principal Repayment Deferral - Borrowers can apply for a one-year deferral on the principal repayment due in 2025 through the National Development Bank's online system or the "National Student Loan" app [3]. - The application for principal deferral must be submitted before the repayment date specified in the loan contract [3]. - If the deferral application is successful, the new repayment date will be the same day in 2026 as the original repayment date in 2025 [3]. - Interest on the deferred principal will be calculated according to national regulations and the loan contract, with no penalties or compound interest applied during the deferral period [3]. Group 3: Additional Information - The National Development Bank will adjust credit reporting based on the new loan arrangements and will not impose unreasonable conditions or request personal information related to the interest waiver and deferral [4][5]. - For inquiries, borrowers can contact the National Development Bank's customer service during business hours [6].