图①：在合源生物科技（天津）有限公司实验室，技术人员（左一）向北京银行天津分行工作人员详细 讲解细胞检验技术的流程工艺。 井永馨摄 图②：福建蓝海黑石新材料科技有限公司科研人员正在做锂离子电池正负极专用水性黏合剂实验。 王雅鹏摄 图③：工商银行洛阳涧西支行工作人员到洛轴集团智能化生产基地了解企业资金需求。 孟庆斌摄 图④：在微众银行企业总控中心，工作人员在监控系统运行情况。 章 微摄 中央经济工作会议提出，引导金融机构加力支持扩大内需、科技创新、中小微企业等重点领域。 金融是国民经济的血脉。近年来，我国持续发力做好金融"五篇大文章"，把更多金融资源配置到经济社 会发展的重点领域和薄弱环节，为实体经济发展提供了有力有效的金融支持。近日，记者走访多家金融 机构和企业，围绕各方关心的话题，探讨如何推动金融业更好服务实体经济发展壮大。 ——编 者 话题一：重点发力 在支持重大领域和薄弱环节上，不搞"大水漫灌"，而是精准滴灌 【镜头】 寒冬时节，洛轴集团的智能工厂里一派火热景象：高精度机械臂精准"起舞"，智能运输车穿梭搬运，一 条条智能生产线开足马力全力生产。 "近年来企业加快智能化、绿色化发展步伐，打算近期采购一批绿 ...

本报记者 吴秋余 葛孟超 中央经济工作会议提出，引导金融机构加力支持扩大内需、科技创新、中小微企业等重点领域。 金融是国民经济的血脉。近年来，我国持续发力做好金融"五篇大文章"，把更多金融资源配置到经济社 会发展的重点领域和薄弱环节，为实体经济发展提供了有力有效的金融支持。近日，记者走访多家金融 机构和企业，围绕各方关心的话题，探讨如何推动金融业更好服务实体经济发展壮大。 ——编 者 话题一：重点发力 在支持重大领域和薄弱环节上，不搞"大水漫灌"，而是精准滴灌 图①：在合源生物科技(天津)有限公司实验室，技术人员(左一)向北京银行天津分行工作人员详细讲解 细胞检验技术的流程工艺。 井永馨摄 图②：福建蓝海黑石新材料科技有限公司科研人员正在做锂离子 电池正负极专用水性黏合剂实验。 王雅鹏摄 图③：工商银行洛阳涧西支行工作人员到洛轴集团智能化 生产基地了解企业资金需求。 孟庆斌摄 图④：在微众银行企业总控中心，工作人员在监控系统运行情 况。 章 微摄 【镜头】 寒冬时节，洛轴集团的智能工厂里一派火热景象：高精度机械臂精准"起舞"，智能运输车穿梭搬运，一 条条智能生产线开足马力全力生产。 "近年来企业加快智能化、绿 ...

中央经济工作会议提出，引导金融机构加力支持扩大内需、科技创新、中小微企业等重点领域。 金融是国民经济的血脉。近年来，我国持续发力做好金融"五篇大文章"，把更多金融资源配置到经济社 会发展的重点领域和薄弱环节，为实体经济发展提供了有力有效的金融支持。近日，记者走访多家金融 机构和企业，围绕各方关心的话题，探讨如何推动金融业更好服务实体经济发展壮大。 ——编者 话题一：重点发力 在支持重大领域和薄弱环节上，不搞"大水漫灌"，而是精准滴灌 【镜头】 寒冬时节，洛轴集团的智能工厂里一派火热景象：高精度机械臂精准"起舞"，智能运输车穿梭搬运，一 条条智能生产线开足马力全力生产。 "近年来企业加快智能化、绿色化发展步伐，打算近期采购一批绿色制造装备，还想对旧厂房进行升级 改造。采购改造完成后，我们将加快建设重点项目。"洛轴集团财务部部长陈元说，设备采购清单和厂 房改造图纸都准备好了，但资金还有缺口。 针对企业的设备更新与绿色转型需求，工商银行洛阳涧西支行为其量身定制了绿色工厂设备更新专项融 资方案，快速匹配企业资金需求，降低其财务成本。 "我们建立了绿色金融支持绿色工厂建设工作机制，从企业提出申请到银行放款，只用了10个 ...

有效避免金融资源错配。传统金融模式服务小微企业风险高、成本高，支持小微企业意愿不足，导 致信贷资源过度向大企业集中，形成规模错配问题。数字金融的灵活性和创新模式，能够有效提升产品 和服务的精准性，优化中小企业融资环境。例如，微众银行推出线上无抵押企业流动资金贷款产品"微 业贷"，授信企业中，年营业收入1000万以下的小微企业占比超70%。同时，传统金融模式依赖历史财 务数据和抵押物，难以评估初创期、成长期科技型企业的创新价值，更倾向于服务成熟期传统企业，导 致资金无法有效流入战略性新兴产业，形成领域错配问题。数字金融可以有效评估企业风险、信用与发 展潜力，能够提供更加高效、便捷、低成本的金融服务，有助于满足初创期、成长期科技型企业的金融 服务需求。 推动金融服务降本增效。数字金融以数字货币、移动支付等应用为支撑，推动金融机构缩短业务流 程，减少人工干预，提高支付、结算的效率和便捷性，持续提升服务实体经济效能。通过人工智能、区 块链、云计算、大数据等技术的深度应用，金融机构建立实时、精准的风险监控预警系统，不断加强对 潜在风险的预判，降低经营成本。新兴金融机构的技术创新和传统金融机构的数字化转型，能够有效突 破 ...

数字金融是优化金融服务的有力抓手，也是推进科技金融、绿色金融、普惠金融、养老金融等领域 发展的重要支撑。习近平总书记指出，"金融是实体经济的血脉，为实体经济服务是金融的天职，是金 融的宗旨""金融机构要加快数字化转型，提高金融服务便利性和竞争力"。做好数字金融这篇大文章， 需推动金融与数字技术深度融合，延伸金融服务的广度和深度，提升服务实体经济质效，不断满足经济 社会发展和人民群众需求。 数字金融将大数据、云计算、区块链、人工智能等数字技术应用于金融行业，创造出新的产品、服 务和商业模式，有助于打破传统金融信息壁垒、拓展服务边界，让资金更精准、高效地流向实体经济， 为实体经济高质量发展提供有力支撑。 缓解金融服务信息不对称。传统金融服务存在信息不对称问题，金融机构无法准确评估企业和个人 信用风险，对抵押物有一定的依赖性，融资门槛较高。数字金融可以通过深度挖掘数据构建多维度信用 评估体系，为金融机构提供全面准确的客户信息，助力其精准把握企业有效需求和潜在风险，引导信贷 资金精准投向实体经济重点领域和薄弱环节，实现融资结构的优化。数字金融服务平台可以快速精准匹 配实体项目与金融资源，提升服务普惠性与渗透率，降低资 ...

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Core Insights - WeBank has rapidly grown over the past 11 years, focusing on digital inclusive finance to fill service gaps in traditional banking [2][22] - The bank recognizes the need to build a collaborative, risk-sharing, data-driven ecosystem to transition inclusive finance from an optional to a necessary service [23] Strategic Evolution - In its tenth anniversary, WeBank initiated a "New Decade" strategy, prioritizing risk management over profit and scale [3][23] - The organizational structure was reformed into four major business groups, including corporate finance, personal finance, technology, and resource management [3] - The bank's corporate loan volume has surpassed consumer loans for the first time, indicating a significant shift in its business structure [3][23] Product Development - WeBank's "WeLoan" product has provided credit to over 1.7 million enterprises, totaling 1.7 trillion yuan by June 2025 [3][25] - The average credit amount for "WeLoan" is approximately 1 million yuan, with loans primarily directed towards wholesale, retail, manufacturing, and construction sectors [5][25] - The introduction of "WeTrade Loan," a product aimed at small foreign trade enterprises, has already granted credit of 1.82 billion yuan to 1,700 companies within six months [7][27] Technological Advancements - WeBank has deployed over 100 AI application scenarios and 700 AI agents, significantly enhancing operational efficiency [8][28] - The bank's IT personnel account for over 50% of its workforce, with IT investment consistently exceeding 10% of operating income [10][30] - WeBank's distributed core banking system has reduced IT operational costs to an average of 2 yuan per account annually, supporting high transaction volumes [11][31] International Expansion - WeBank has established a technology subsidiary in Hong Kong and is expanding its digital banking solutions into markets like Indonesia, Malaysia, and Thailand [13][33] - The focus on regions with high internet penetration but low traditional banking coverage presents significant growth opportunities for WeBank [13][34] AI-Driven Banking - WeBank is transitioning to an AI-native banking model, where AI systems handle more processes, improving efficiency and accuracy [15][35] - The bank has developed a flexible AI infrastructure and user-friendly application development tools to enhance its service offerings [17][39] - WeBank aims to integrate AI deeply into business scenarios, optimizing marketing and customer engagement through advanced data analytics [19][37] Future Outlook - By mid-2025, WeBank's total assets reached 714.72 billion yuan, maintaining its position as a leading internet bank [20][40] - The bank's strategy emphasizes technological investment and inclusive finance, creating a robust foundation for sustainable growth [20][40]

在当前市场环境中，中小微企业融资需求日益呈现"短、小、频、急"的典型特征：借款周期短、金额有 限、用款频次高、需求时效强，亟须高效便捷的金融服务以支持临时周转与日常运营，从而提升资金流 动性与企业竞争力。 此外，据官方数据显示，截至2025年6月末，微业贷已辐射30个省/自治区/直辖市，累计超600万企业客 户申请，累计授信客户超170万家，累计授信金额1.7万亿元。同时这些获得微业贷授信的中小微企业 中，年营业收入在1000万以下占客户总数超70%，约50%的客户系企业征信白户，累计有38万企业在微 众银行获得第一笔企业贷款。以上数据凸显出微业贷真正助力中小微企业融资"面扩"，不仅让普惠金融 惠及更广泛的中小微企业，还显著增强了中小微信贷可得性。 为有效满足中小微企业金融需求，微众银行于2017年创新推出国内首个线上无抵押企业流动资金贷款产 品"微业贷"。凭借无需抵质押、无须提供纸质资料、支持灵活借款、全天候、全线上审批等特色，微业 贷迅速成为小微企业的融资新选择，而"微业贷正规吗"也成为众多企业法定代表人关注的话题。 总体而言，从风控能力到实践成果，微众银行以科技驱动金融普惠，不仅破解了小微企业融资门槛高 ...

Group 1: Haier's Innovation and Market Strategy - Haier launched a washing machine with three tubs, achieving over 100,000 sales in just 48 minutes, and has since delivered over 200,000 units, emphasizing user co-creation in product development [1] - The company introduced a four-tub washing machine based on user feedback, showcasing its commitment to diverse laundry scenarios [1] - Haier's CEO opened a personal social media account to enhance communication with users, aiming to integrate user needs into the company's management and innovation processes [1][2] Group 2: Vivo's Technological Advancements - Vivo has invested heavily in R&D, focusing on chip technology, imaging, and battery performance, collaborating with partners like Zeiss to enhance user experience in photography [3] - The company has developed its own 6nm imaging chips, significantly improving image quality and processing speed [3] - Vivo's technology has led to a surge in mobile phone rentals for events, demonstrating its impact on the market [3][4] Group 3: China Export Credit Insurance Corporation's Green Initiatives - The corporation is implementing a Green Finance Development Strategy for 2024, with six action plans to support green trade and the Belt and Road Initiative [5] - It has provided risk guarantees for over 30 export enterprises in the agricultural sector, aiding their transition to greener practices [5][6] - The corporation has issued credit insurance for renewable energy projects, including a 63 MW wind power project in Argentina, expected to generate approximately 200 million kWh of clean electricity annually [5][6] Group 4: Micro Bank's Digital Financial Services - Micro Bank has served over 430 million individual customers and more than 600,000 small and micro enterprises, addressing their financing challenges with innovative products [7][8] - The bank's "Micro Business Loan" product integrates digital and intelligent services throughout the loan process, with over 70% of its small business clients having annual revenues below 10 million [7] - Micro Bank is transitioning to an "AI-native bank," leveraging AI technology to enhance its digital financial services [7][8] Group 5: Hisense's Product Development and Market Position - Hisense has launched RGB three-dimensional control color LCD technology, enhancing its position in the display industry [9] - The company has maintained the highest global market share for 100-inch televisions for three consecutive years, indicating strong demand for its high-end products [9][10] - Hisense is adapting to consumer trends by developing products like foldable laser TVs and various home appliances tailored to younger consumers' needs [9][10] Group 6: Three Trees' Integrated Service Model - Three Trees is shifting from single product sales to an integrated model of "product + service + construction," enhancing its competitive edge in the paint market [12] - The company has upgraded its "Immediate Living" model, focusing on product quality and digital tools for better service management [12] - Three Trees aims to open 50,000 to 100,000 community stores nationwide, promoting a "light, short, and fast" approach to home decoration [12] Group 7: Sais Group's Commitment to Innovation - Sais Group emphasizes technological self-reliance and innovation in the electric vehicle sector, collaborating with Huawei to launch multiple new energy models [13] - The company has achieved significant sales milestones, with over 800,000 units of its AITO series delivered, challenging foreign brands in the luxury car market [13] - Sais Group plans to continue its innovation strategy to strengthen its market position and contribute to China's automotive industry transformation [13] Group 8: Master Kong's Sustainable Development Practices - Master Kong has evolved from a noodle manufacturer to a diversified brand, reaching over 800 million consumers annually [14] - The company integrates innovation in product development and supply chain management, promoting sustainable agricultural practices [14][15] - Master Kong is committed to ESG principles, utilizing recycled materials in its products and participating in initiatives to promote resource recycling [15] Group 9: Citic Baixin Bank's Digital Transformation - Citic Baixin Bank focuses on digital transformation to enhance financial services for small and micro enterprises, achieving a 39.58% increase in its micro-loan balance [16][17] - The bank employs a cloud-native architecture to streamline loan processes, enabling instant approvals and customized solutions [16] - Citic Baixin Bank aims to deepen its integration of technology and finance, supporting national strategies for high-quality development [17]

2015年1月，深圳。 时任总理李克强来到前海，在一台电脑前敲下回车键，一名卡车司机就拿到了3.5万元贷款。 这是微众银行的第一笔贷款业务。作为中国第一家互联网民营银行，诞生于互联网豪门，"掏空了平安甚至半个深圳金融界"的微众银行，被视为普惠金融创 新的最前沿。 这位从微众银行筹备时干起的"老将"，在苦等11年后，也终于坐上了行长之位。 只是这个位子并不好坐。微众银行平静的表面下，是十年狂奔里产生的各种风险，随时都会爆发。 虽是元老，黄黎明的行长之路，颇有些坎坷。 2014年7月，微众银行获批筹建之际，黄黎明是筹备组组长。 十年之后，微众银行不负众望，资产规模突破7000亿元，稳坐中国民营银行一哥的宝座。 但光芒之下，是浓重的阴影。 营收和净利润自2014年成立以来，首度出现"双降"； 继2024年被罚1387万元，成为民营银行罚单之最后，微众银行的合规问题仍未改善； 净息差显著走低，下沉市场风险日渐暴露，流量红利消退后，微众银行急需下一个增长点。 11月14日，黄黎明任职资格获批，这意味着微众银行正式迎来了第三任行长。 按照惯例，筹备组组长通常会在银行成立后担任一把手。但5个月后，微众银行开业时，行长却是" ...