12月26日，以"新开局、新动能、新征程"为主题的"启航·2025金融峰会"在北京圆满举办，大会由金融 界主办，汇聚监管部门、行业协会、金融机构、上市公司、媒体等领域数百位相关领导和重磅嘉宾。会 上，第十四届金融界"金智奖"年度评选结果重磅揭晓，张家口银行荣获"杰出高质量发展典范奖"。 在助力实体经济发展方面，该行主动作为，通过金融创新、普惠服务与减费让利多措并举，为区域经济 注入金融活水。针对制造业升级需求，定制精准服务方案，开辟授信审批快速通道，并创新应收账款质 押贷款等产品，有效支持产业链协同发展，以务实举措助推实体经济高质量发展。 展望未来，张家口银行将持续以专业能力、创新服务与稳健经营赋能区域发展，为书写高质量发展新篇 章贡献金融力量。 财经频道更多独家策划、专家专栏，免费查阅>> 责任编辑：十八 "金智奖"旨在树立高质量发展标杆，引导企业聚焦主业、持续创新、践行社会责任，推动资本向优质企 业集聚。杰出高质量发展典范奖旨在表彰坚守高质量发展理念，在服务国家战略与经济社会发展中表现 卓越的银行机构。核心评价维度涵盖精准对接实体经济信贷需求、深度落实 "五篇大文章" 战略部署、 重点领域金融服务增速领跑 ...

12月26日金融一线消息，近日，中国人民银行办公厅、农业农村部办公厅、金融监管总局办公厅联合印 发《关于推广农业设施和畜禽活体抵押融资的通知》。《通知》提出，鼓励金融机构因地制宜创设农业 设施和畜禽活体抵押融资信贷产品。探索供应链金融模式，围绕设施农业龙头企业，为上下游中小农 户、合作社提供应收账款质押贷款、订单融资等服务。发挥农业保险产品服务纽带作用，鼓励金融机构 在信贷评价和风险管理模型中有效运用农业保险综合情况，探索"农业保险+融资"模式。鼓励金融机构 发放基于农业设施和畜禽活体抵押的中长期贷款，金融机构可根据实际需要，提前介入设施农业项目前 期工作，设计完善投融资方案和担保结构，优化还本付息方式，保障整个贷款周期内抵押物剩余价值与 贷款余额相匹配。用好信贷市场服务平台、农业经营主体信贷直通车、农业农村基础设施融资项目库等 平台，加强信息共享与融资对接服务。鼓励符合条件的金融机构发行"三农"专项金融债券。支持金融租 赁公司将符合要求的现代农业设施和畜禽活体等生产性生物资产作为适格租赁物，积极探索银租联动等 创新模式。 责任编辑：秦艺 12月26日金融一线消息，近日，中国人民银行办公厅、农业农村部办公厅、 ...

Core Viewpoint - The collaboration between rural commercial banks and supply cooperatives is essential for addressing rural financial service challenges and enhancing the agricultural supply chain [1][2][3] Group 1: Collaboration and Service Enhancement - Rural commercial banks should actively explore cooperation with supply cooperatives across multiple dimensions, including products, channels, and data, to effectively support rural economic development [1] - Establishing "Rural Revitalization Financial Service Stations" at supply cooperative outlets can enhance financial service accessibility for farmers, providing essential banking services and integrating financial and supply services [2] Group 2: Product and Service Innovation - Financial products should be tailored to the entire business chain of supply cooperatives, offering targeted credit support for agricultural inputs and facilitating financing for agricultural product sales [1][2] - Issuing exclusive financial service cards for cooperative members can lower financing barriers and make financial services more accessible to farmers [1] Group 3: Data Sharing and Technological Empowerment - Establishing a data-sharing mechanism between rural commercial banks and supply cooperatives is crucial for improving service efficiency and understanding the financial needs of farmers and agricultural enterprises [3] - Utilizing big data technology can help banks predict farmers' production cycles and funding needs, allowing for better credit planning and support for agricultural processing enterprises [3] Group 4: Commitment to Agricultural Development - Rural commercial banks must maintain a farmer-centric approach, breaking down cooperation barriers and innovating service models to enhance the effectiveness of financial services in supporting rural revitalization [3]

Group 1 - The "carbon account" system in Qinghai Province is designed to help enterprises manage their carbon emissions and green electricity usage, providing a clear overview of their carbon footprint [1] - As of the end of July this year, 921 key enterprises in Qinghai have established "carbon accounts," leading to a total of 32.169 billion yuan in loans linked to these accounts, saving enterprises 243 million yuan in interest expenses [1] - The People's Bank of China in Qinghai has implemented a green financial service system to support enterprises in their transition to low-carbon operations, enhancing their access to financial services [2] Group 2 - The National Development Bank's Qinghai branch has provided comprehensive financial support for the construction of the Yangqu Hydropower Station, utilizing various loan products throughout the project's lifecycle [2] - By the end of the second quarter, the credit balance in the clean energy sector, including equipment manufacturing and construction, has seen significant year-on-year growth of 40.5%, 22.1%, and 34.7% respectively [2] - The People's Bank of China in Qinghai is focusing on building a financial service system for ecological products, including innovative financing models for tourism projects [3] Group 3 - As of the end of the second quarter, the green loan balance in Qinghai reached 213.105 billion yuan, accounting for 26.82% of total loans, with an increase of 9.936 billion yuan since the beginning of the year [3] - The bank is enhancing its green financial policy framework and incentive mechanisms to support the transformation of traditional industries and the development of clean energy and ecological products [3]

Core Insights - The establishment of "carbon accounts" in enterprises within the Nanchuan Industrial Park in Xining, Qinghai Province, is a significant step towards carbon emission management and reduction, allowing for precise tracking of carbon emissions and green electricity usage [1][2] - The People's Bank of China Qinghai Branch has tailored financial services to support enterprises with carbon accounts, providing preferential loan terms for those demonstrating significant carbon reduction efforts [1][3] - The Qinghai Province has seen substantial growth in green loans, with a total balance of 213.1 billion yuan, accounting for 26.82% of all loans, reflecting a strong commitment to green finance and sustainable development [3] Financial Support Initiatives - The Qinghai Branch of the National Development Bank has provided comprehensive financial support for the construction of the Yangqu Hydropower Station, utilizing various loan products throughout the project's lifecycle [2] - Financial institutions have organized multiple matchmaking events to connect banks with clean energy and green computing enterprises, promoting the use of diverse financial products to support these sectors [2] - The Qinghai Province has experienced significant year-on-year growth in credit balances across clean energy sectors, with increases of 40.5% in equipment manufacturing, 22.1% in facility construction, and 34.7% in pumped storage power station construction [2] Green Financial Products - The People's Bank of China Qinghai Branch has introduced an ecological product financial service system, facilitating green project loans and innovative financial products, such as using future receivables from tourism as collateral [3] - A total of 20 loans amounting to 1.177 billion yuan have been provided to enterprises like the Qinghai Lake Tourism Group, showcasing the effectiveness of the new financial models [3] - The bank is actively enhancing the green financial policy framework and incentive mechanisms to support the transformation of traditional industries and the development of clean energy and ecological products [3]

Group 1: Policy Support for Advanced Manufacturing - The government is increasing support for advanced manufacturing through credit enhancement and guidance, providing low-interest loans to SMEs in this sector to mitigate financing risks [1] - Policy banks are encouraged to increase investments in advanced manufacturing, broadening financing channels for enterprises [1] - Capital markets are being utilized to provide guidance for equity restructuring, aiding companies in achieving direct financing [1] Group 2: Current Financing Status and Challenges - Advanced manufacturing shows high growth potential but faces challenges, particularly for small and micro enterprises that struggle with financing and long recovery periods [2] - Investment risks are high due to potential technology failures and market demand fluctuations, leading to cautious behavior from financial institutions [2] - Different fields within advanced manufacturing receive varying levels of investment, with high-end materials and smart manufacturing attracting more attention compared to niche sectors with high technical barriers [2] Group 3: Key Development Areas and Opportunities - Smart manufacturing is a focal point, leveraging data and IoT technologies to enhance production efficiency and product quality, particularly in high-end markets [3] - Green manufacturing is gaining traction, with rapid developments in solar energy and new energy equipment, aligning with environmental policies and market demand [3] - The rail transit sector is innovating financing models, such as bond issuance, to support its development, showcasing stable market demand and high investment value [4] Group 4: Strategies and Recommendations to Address Challenges - The government should enhance policy support systems, ensuring precise policies that promote risk-sharing and benefit-sharing mechanisms for sustainable development in advanced manufacturing [5] - Financial institutions are encouraged to innovate financing models tailored to the characteristics of advanced manufacturing, such as industry chain finance and intellectual property pledge financing [6] - Companies need to increase investment in technology R&D to overcome core technical challenges and enhance overall competitiveness through industry collaboration [6] - Advanced manufacturing firms should optimize management and capital operations, improving equity structures and utilizing capital markets to enhance funding efficiency and resilience [7]