（原标题：前海15载，现代服务业助力"中国智造"） 从世界工厂到全球创新中心，科技创新催生"中国智造"，生产性服务业在范式重构中正在发挥更大作用。 前海深港现代服务业合作区于2010年成立，这一年也正值中国重夺世界第一制造业大国地位，并保持至今。 锚定"现代服务业"的前海，新模式、新业态不断涌现，既是全球投资兴业热土，也是前沿科技的"赛博试验场"。这里的天际线既填满了汇丰、东 亚、微众等金融机构Logo，法律、财税、咨询等专业服务机构，AI、机器人、低空经济等新兴领域研发中心亦向前海汇聚，"香港味、未来感、 滨海风、现代化、未来感"在这里显现。 由此，前海不断以高附加值的知识技术密集型服务业，重塑"智造"的价值链与未来图景。 2024年，前海实际使用外资266.5亿元、固定资产投资1691亿元、税收收入892亿元，分别是成立之初的117倍、93倍、171倍。 南方财经记者 陈思琦 深圳报道 现代服务业是前海的绝对支柱，今年上半年实现增加值952.6亿元、同比增长8.6%，占服务业84%、占GDP的65.5%。截至目前，前海拥有现代服 务业企业12.48万家，水平基本比肩全球服务业先进地区。 "含科量"：让"智 ...

今年是深圳经济特区建立45周年，45年来，深圳特区以"闯"的精神、"创"的劲头、"干"的作风，在中国改革开放史上镌刻下波澜壮阔的篇章。这座因改革而 生、因创新而兴的城市，始终以敢为人先的锐气打破桎梏，以开放包容的胸襟拥抱世界。 在这片创新创业的热土上，孕育了一批又一批极具代表性的企业，微众银行就是其中之一，作为中国首家民营银行、首家数字银行，微众银行与特区同频共 振，以科技为楫、以普惠为帆，书写了金融改革与创新的"深圳样本"。 特区精神孕育的深圳样本 南海之滨，东风徐来。1980年8月，深圳经济特区正式成立，其以"试办出口特区"的方式，率先试点探索以市场经济为导向的改革开放。45年来，深圳一直 承担着为改革开放先行探索的使命，血脉中流淌着"敢闯敢试"的基因。 从经济特区的"试验田"到全球瞩目的创新之都，深圳在几代人的共同努力下，实现了自身的历史性跨越，深圳金融业与特区共成长，从无到有、从小到大、 从弱到强，如今已成功跻身国内金融"第一方阵"，深圳作为中国重要金融中心的地位亦获得国际广泛认可。 作为金融改革创新的产物，微众银行的诞生也氤氲着鲜明的深圳"色彩"。 时间回溯到2013年，当时的金融业对小微企业和普通 ...

民营经济的活力，是深圳城市竞争力的核心密码。 金融是实体经济的血脉，对中小企业而言更是如此。作为深圳本土民营银行的代表，微众银行抓住小微 企业"融资难、融资慢、融资贵"的痛点，为其量身打造线上信贷产品"微业贷"，提供全天候、全线上、 全自动审批的贷款服务。近日，微众银行还联合银联商务深圳分公司，创新推出"微业贷国补商户专享 贷款"，精准服务银联商务深圳地区家电、3C、装修材料等领域的商户。 服务平台则是生态协同的重要纽带，可为中小企业提供专业化技术支持。 深圳"土生土长"的SaaS服务平台——小鹅通聚焦企业数字化转型需求，提供全场景、一站式解决方案。 以电商领域为例，小鹅通轻量化的工具矩阵可帮助企业搭建自主线上平台，涵盖多终端店铺搭建、商品 上架管理、订单跟踪等全链路运营功能，为中小电商打通线上经营的核心环节。 针对中小企业普遍面临的创新门槛高、资源获取难等问题，深圳出台小微企业技术创新专项支持政策， 降低项目申报门槛、简化审批流程，并着手建立完善企业梯度培育体系，鼓励中小微企业自由探索、自 主申报，承担研发攻关项目。 在产业集群培育方面，深圳紧扣"20+8"产业发展战略，通过规划建设专业化产业园区、搭建产学 ...

Core Viewpoint - The article highlights the challenges faced by small and micro foreign trade enterprises in China, particularly in the context of price pressures and a complex global economic environment, while also showcasing the innovative financing solution "Micro Trade Loan" launched by WeBank to support these businesses [1][2]. Group 1: Industry Challenges - Small and micro foreign trade enterprises are experiencing significant pressure due to price reductions and shrinking profits, leading to a reluctance to accept orders [1]. - The global economic environment remains complex and volatile, causing many small enterprises to face a dual dilemma of "having orders but not daring to accept" and "having orders but lacking the capacity to fulfill" [1]. Group 2: Financing Solutions - WeBank, in collaboration with various financial institutions, launched the "Micro Trade Loan" in May 2025, which offers favorable financing conditions, including a minimum annual interest rate of 2.88% [2]. - The "Micro Trade Loan" allows for a maximum loan amount of 10 million yuan and is designed to meet the short-term, frequent, and urgent funding needs of foreign trade enterprises [2]. Group 3: Product Impact and Adoption - The "Micro Trade Loan" has received positive feedback from small and micro foreign trade enterprises, with users appreciating the convenience of mobile operations and the elimination of cumbersome paperwork [2][4]. - WeBank's existing product "Micro Business Loan" has attracted over 5.8 million applications, with 100% of the credit-granted enterprises being private and over 70% having annual revenues below 10 million yuan, indicating a strong focus on small enterprises [3]. Group 4: Ecosystem Development - The success of the "Micro Trade Loan" reflects WeBank's robust digital capabilities and its ability to adapt its services to the foreign trade sector, enhancing the competitiveness of small enterprises [4]. - WeBank is actively collaborating with local governments to ensure that financial support reaches foreign trade small and micro enterprises effectively [4][5].

Core Viewpoint - WeBank, as a pioneering private bank backed by Tencent, has achieved significant growth and established itself as a leader among private banks in China, leveraging its unique business model and stable management team [1][8][25]. Group 1: Growth and Scale - By the end of 2024, WeBank's total assets reached 651.776 billion yuan, which is 67.75 times the amount at the end of 2015 [2]. - In 2024, WeBank achieved an operating income of 38.128 billion yuan, which is 169 times that of 2015, and a net profit of 10.903 billion yuan, 27 times that of 2016 [5]. - WeBank's net profit of 10.903 billion yuan in 2024 surpassed that of its closest competitor, Ant Bank, which reported 3.366 billion yuan, and was greater than the combined profits of the other 18 private banks [8]. Group 2: Comparison with Traditional Banks - WeBank's total assets have surpassed those of several traditional commercial banks, ranking approximately 32nd among 42 listed banks in China [9]. - Its operating income of 38.128 billion yuan places it around 22nd among the listed banks, while its net profit ranks about 25th [9][10]. Group 3: Management Stability and Tencent's Support - WeBank has maintained a stable management team since its inception, with the same chairman and a consistent leadership approach, which aids in strategic continuity [10][11]. - Tencent, holding just over 30% of WeBank, plays a crucial role in its growth by providing access to a vast user base and technological support, despite not consolidating WeBank's financials [11][12]. Group 4: Unique Business Model - WeBank has rapidly acquired personal customers through Tencent's platforms, reaching over 420 million effective personal customers by the end of 2024 [13]. - The bank's total liabilities reached 595.476 billion yuan by the end of 2024, with deposits making up 85% of this amount, primarily consisting of low-cost demand deposits [15]. - WeBank's net interest margin stood at 5.29% in 2024, significantly higher than the average of 1.52% for traditional banks [18]. Group 5: Transition to Comprehensive Banking - WeBank is expanding its services to corporate clients, having served over 1.6 million small and micro enterprises by the end of 2024 [22]. - The proportion of corporate loans increased from 37.19% in 2021 to 49.44% in 2024, indicating a balanced approach between personal and corporate lending [23]. Group 6: Challenges Ahead - Despite its success, WeBank faced its first decline in operating income in 2024, with net profit growth slowing to 0.81%, highlighting the need for effective risk management as it expands [25]. - The saturation of its customer base and the sustainability of its "small, scattered" strategy in a slowing growth environment pose significant challenges [25][26].

Core Insights - WeBank, as a technology-driven private bank, aims to make finance accessible to the public, focusing on providing differentiated and high-quality financial services to small and micro enterprises since its establishment in 2014 [1] Group 1: Product Offering - WeBank launched the first online unsecured working capital loan product "Weiyedai" in 2017 to address the financing difficulties faced by small and micro enterprises, effectively lowering the barriers to access financing services [1] - "Weiyedai" features three main advantages: minimal documentation, fast disbursement, and high credit limits, with a maximum limit of 10 million yuan and no interest charged [1] - The online application process allows businesses with over two years of operation to apply quickly, with funds disbursed in as little as one minute [1] Group 2: Market Impact - As of December 2024, "Weiyedai" has reached 30 provinces/regions, with over 5.8 million applications and a total credit amount of 1.7 trillion yuan [3] - More than 70% of the clients have annual revenues below 10 million yuan, and over 50% of the credit clients are first-time borrowers, enhancing the coverage and accessibility of inclusive finance for small and micro enterprises [3] Group 3: Comprehensive Services - WeBank has developed a digital financial app that offers a range of services including bills, accounts, insurance, wealth management, and talent recruitment, providing a one-stop digital solution for small business owners [3] - These initiatives support the growth of small and micro enterprises by offering robust digital backing for their operations [3]

Core Viewpoint - The article highlights the evolution and impact of private banks in China over the past decade, emphasizing their role in providing financial services to the private economy and small enterprises through innovative and technology-driven approaches [1][5][9]. Group 1: Development of Private Banks - Since the establishment of the first private banks in 2015, the number has grown to 19, with total assets exceeding 2 trillion yuan, reflecting a year-on-year growth rate of over 9%, significantly outpacing the average growth of the banking sector [5][9]. - Private banks have successfully filled the financing gap for small and micro enterprises, which traditional banks often overlook due to a lack of collateral and credit history [3][7]. Group 2: Innovative Financial Services - Private banks utilize technology to offer differentiated financial services, such as warehouse receipt pledge loans, which allow businesses to leverage their inventory as collateral for loans [2][7]. - The balance of inclusive small and micro loans from 11 private banks reached 520.57 billion yuan by the end of 2024, with a significant portion of these loans directed towards private enterprises [3][5]. Group 3: Challenges and Future Directions - Despite their growth, private banks face challenges such as weak capital strength, reliance on interbank funding, and low brand recognition [9][10]. - Experts suggest that policy support is crucial for private banks to enhance their service capabilities and expand their operational reach, including lifting restrictions on single shareholder ownership and allowing more branch establishments [9][10].

Core Viewpoint - The launch of the "Micro Trade Loan" product by WeBank, in collaboration with various financial institutions, aims to provide efficient, convenient, and low-cost financing solutions for small and micro foreign trade enterprises, thereby supporting the stability of the foreign trade sector [1][2][3]. Group 1: Product Launch and Features - The "Micro Trade Loan" is a fully online, unsecured credit product specifically designed for small and micro foreign trade enterprises, leveraging WeBank's digital financial advantages and the policy support from the Export-Import Bank [1][2]. - The product integrates data from the China (Shenzhen) International Trade Single Window, enhancing the efficiency and accessibility of financing services for foreign trade enterprises [1][2][7]. Group 2: Challenges and Solutions - The financial institutions identified three main challenges in serving small and micro foreign trade enterprises: reaching enterprises quickly with policy bank funds, precise risk identification, and better integration of export credit insurance with financing services [2]. - The "Micro Trade Loan" product addresses these challenges by creating a digital solution that enhances financial service efficiency and risk pricing through data collaboration [2][4]. Group 3: Collaborative Efforts - WeBank, the Export-Import Bank, China Export Credit Insurance Corporation, and Southern Electronic Port have collaborated to create a comprehensive financial ecosystem that supports small and micro foreign trade enterprises [3][4]. - This collaboration aims to establish a virtuous cycle of "policy guidance - financial support - real economy development," providing a replicable model for supporting the real economy [3][4]. Group 4: Risk Management and Insurance - The Shenzhen Municipal Bureau of Commerce has developed a unified insurance policy for small and micro foreign trade enterprises, allowing those with export volumes below $8 million to apply for export credit insurance directly [6]. - The integration of the "Micro Trade Loan" with export credit insurance offers a customized financial solution that helps enterprises mitigate trade risks while ensuring access to financing [6][7].

Group 1 - The core idea of the news is the collaboration between WeBank and UnionPay Business Shenzhen to launch a specialized loan product aimed at merchants on the national subsidy list, addressing their cash flow needs and promoting consumption [1][2][3] - The "Weiyedai National Subsidy Merchant Exclusive Loan" is designed to help merchants with significant inventory funding needs and short-term cash flow issues, creating a favorable consumption environment through government subsidies, corporate discounts, and financial support [1][2] - WeBank's "Weiyedai" is the first online unsecured working capital loan product in China, with over 1.6 million enterprises already credited, of which more than 38% are in wholesale and retail, including many small and micro enterprises related to national subsidies [2] Group 2 - The loan product offers customized credit limits and financing plans for new users benefiting from national subsidies, while existing customers can apply for credit increases and receive exclusive interest rate coupons [2] - The repayment options include a maximum of 24 equal installments and a 3-6 month interest-first repayment plan, aimed at reducing the financial pressure on merchants [2] - Future plans include expanding the successful experience of serving Shenzhen's national subsidy merchants to a national level, providing comprehensive digital financial product solutions to stimulate consumer spending and support the development of the real economy [3]

Group 1: China People's Insurance Group - In 2024, China People's Insurance Group provided risk coverage of 31.75 trillion yuan, paid out 448.5 billion yuan in claims, and handled over 180 million claims, leading the industry in all three metrics [1] - The company launched the first comprehensive insurance for pilot projects nationwide and issued the first batch of major technology innovation insurance products, with an investment scale of 32.7 billion yuan [1] - China People's Insurance Group signed the United Nations Principles for Sustainable Insurance and insured 11.59 million new energy vehicles, with green risk coverage of 184 trillion yuan and an investment scale of 100.4 billion yuan for green development [1] Group 2: Digital Financial Innovation - In 2024, China People's Insurance Group's insurance solutions for the computing power industry were included in the Ministry of Industry and Information Technology's pilot program for cybersecurity insurance services [2] - The company has developed over 150 general AI capabilities, with daily usage exceeding 1 million times, and its proprietary AI model products have been applied in over 10 scenarios [2] Group 3: Overseas Payment Services - In Q1 2025, UnionPay's mobile payment transactions in Australia and New Zealand increased by over four times year-on-year, with Auckland's public transport transactions growing tenfold since the launch of UnionPay's contactless payment service [5] - UnionPay has established a comprehensive payment service network in Australia and New Zealand, with nearly all POS merchants and ATMs accepting UnionPay payments [6] Group 4: JD Group's Supply Chain Advantage - JD Group launched a 200 billion yuan export-to-domestic sales support plan to help foreign trade enterprises expand into the domestic market, with thousands of companies already in substantive procurement discussions [7] - The company has implemented a trade-in program since 2015, covering over 200 categories and reaching over 90% of rural areas in China [7][8] Group 5: Yangtze River Pharmaceutical Group - Yangtze River Pharmaceutical Group is focused on building a world-class pharmaceutical brand and has been recognized for its intelligent manufacturing capabilities [9] - The company has established 80 traditional Chinese medicine planting bases and is committed to enhancing its health management services [10] Group 6: Luzhou Laojiao Group - Luzhou Laojiao Group integrates traditional culture with modern technology to enhance its competitive edge and promote high-quality development in the liquor industry [11] - The company has established a national-level solid-state brewing technology innovation center and is developing a digital platform for the entire industry chain [11] Group 7: China Feihe Limited - China Feihe emphasizes independent innovation to enhance its core competitiveness and has established a full industry chain in the dairy sector [13] - The company has developed domestic production lines for key dairy ingredients and launched a leading infant formula based on extensive breast milk research [14] Group 8: WeBank - WeBank has served over 420 million individual customers and more than 580,000 small and micro enterprises through its digital financial products [16] - The bank maintains a high level of technology investment, with over 50% of its staff being technology personnel, and has developed over 220 AI applications [16]