近年来，山西屯留农商银行积极践行"乡村振兴主办行"社会责任，聚焦主责主业，坚持从服务"三农"工 作大局出发，结合区域农业产业发展状况，以"三个结合"为具体路径，为乡村振兴发展注入农信力量， 为金融服务乡村全面振兴探索新路径。截至2025年10月中旬，该行涉农贷款余额54.43亿元，较年初净 增2.69亿元。 "造血"特色产业 "双基"联动助农增收 近年来，屯留农商银行探索与基层组织深度合作，发展普惠金融，为村民提供源源不断的金融支持。 屯留农商银行建立村级党组织和基层党支部"双基"联动机制，利用"整村授信"开展"上门式"服务，最大 化满足农户金融需求，纵深推进金融助力乡村振兴工作，实现资源共享、优势互补。 北浒庄村党支部成立了"彩色辣椒种植专业合作社"，计划对彩色辣椒进行规模化种植并建设深加工车 间。在项目因设备采购和技术升级面临资金缺口时，屯留农商银行主动对接需求，累计为86位大棚种植 户投放"富农贷""惠农贷"等大棚种植类资金2850万元，助力北浒庄村形成彩色辣椒种植基地，带动村集 体年增收40余万元。 屯留农商银行以金融村干部为依托，对辖区农户进行了广泛而深入的信息采集，截至目前已走访行政村 175个， ...

12月11日至13日，2025第十四届上市公司发展年会暨海南自贸港开放机遇交流大会系列活动在海口举 行。成都银行（601838）（601838. SH）凭借在社会责任领域的卓越实践与突出贡献，从众多参评企业 中脱颖而出，荣膺"最具社会责任上市公司"。 据悉，本届评选恪守客观、公正原则，历经公众提名、舆情筛查、大数据模型初选、公众投票及专家评 审等多重环节，并依托权威金融数据平台与AI技术，构建了"权威数据+透明算法"的双轨评价体系。此 次获评，不仅是对成都银行积极履行社会责任、真诚回馈社会的充分肯定，更是对其将责任基因深度融 入发展战略、转化为持续发展动力的高度认可。 作为四川省首家上市银行，成都银行始终秉承"与客户共发展、与员工共成长、与城市共繁荣"的使命， 自2018年登陆A股市场以来，更是将社会责任内化于稳健经营、外化于服务实践。通过扎实的业绩增 长、优质的资产质量与持续的金融供给，不断夯实服务实体经济、增进民生福祉的根基，生动诠释了一 家公众上市银行的时代担当与价值追求。 责任厚度 卓越经营铸就坚实根基 以发展为尺，成都银行不仅追求规模的跨越，更致力于长期价值的塑造。 近年来，该行持续探索差异化、特色 ...

■郝飞 乡村全面振兴离不开金融活水的持续浇灌，银行需将金融资源与乡村发展需求深度耦合，以实打实的金 融担当赋能乡村振兴全链条发展。 为精准对接乡村振兴数字化、标准化发展需求，切实提升金融支农的效率与质量，银行可以积极推 广"金融科技+乡村振兴"模式，运用卫星遥感、物联网、区块链等先进技术，实现农作物长势监测、养 殖活体质押监管、农产品溯源等场景化应用，持续提升风险管控能力；建立统一的农村金融服务标准体 系，规范服务流程、产品定价、信息披露等关键环节，确保农民明明白白贷款、安安心心用款；依托手 机银行、惠农服务点等多元渠道，打造"线上+线下"融合服务网络，让数据多跑路、农民少跑腿，以标 准化服务筑牢金融支农的质量根基。 （文章来源：证券日报） 产业兴旺是乡村振兴的"牛鼻子"。银行需坚持"一县一业、一村一品"的差异化支持策略，精准滴灌乡村 特色产业。比如，围绕生猪产业"产能综合调控"目标，创新"生猪活体抵押+保险+期货"模式，既支持大 型猪企提质增效，也助力中小养殖户发展适度规模养殖；在特色农产品优势产区，重点扶持果蔬、茶叶 等特色产业集群，推广"产业链金融"服务，为核心企业及上下游农户提供全链条融资支持；在生态 ...

吉林松原，位于松嫩平原的南部，地处北纬45度的世界黄金玉米带、黄金水稻带，是国家大型商品粮基 地和油料基地，粮食年产量达到156亿斤，所辖四个县（市）均为全国粮食生产先进县。其中，杂粮杂 豆年产量近2亿斤，是全国最大的杂粮杂豆集散中心；"善德良米"有机大米成为G20杭州峰会和厦门金 砖国家峰会指定用米。得天独厚的资源禀赋给予松原"粮仓"的美誉，而守护这一美誉的既有千万个种 粮、收粮、加工粮主体的不懈努力，也有持续支持"产好粮、粮满仓"的金融力量。 《金融时报》记者近日在松原采访时了解到，当地粮食生产经营主体适应市场变化，主动提升自身生产 经营能力，打造松原优质粮食品牌；政府主管部门积极推动提升粮食生产加工质效，对粮食加工企业技 术改造给予有力的财政支持；长期服务粮食产业的金融机构在中国人民银行松原市分行的推动下，创新 金融产品与服务，加大在粮食保供领域的信贷投放力度；中国人民银行松原市分行坚守主责主业，在促 进涉农贷款增量扩面的基础上，积极创设"惠农贷"支农支小再贷款专项额度，为辖内地方法人银行机构 注入低成本政策资金，引导其精准支持涉农企业及广大农户。自政策落地以来，累计发放"惠农贷"支农 支小再贷款8.6 ...

优化服务提质效，施以精准"金融底肥"。在实践中，光大银行不断提升普惠金融服务的便利性、可得性 和精准性，通过优化审批流程、创新信贷产品、运用金融科技手段，努力实现线上申请、快速审批、灵 活放款，极大提升了农户的融资体验。无论是支持春耕备耕，还是保障秋收冬藏；无论是服务粮食生 产，还是助力特色种养业，光大银行的信贷支持都力求与农时、农事、农需紧密结合，确保"好钢用在 刀刃上"，让每一分金融资源都能切实转化为促进农业增产、农民增收的实效。 未来，光大银行将继续秉持金融工作的政治性、人民性，深度融入国家乡村振兴战略布局，不断丰富普 惠金融服务内涵，拓展服务边界，以更加优质、便捷、高效的金融服务，陪伴广大农业经营主体共同成 长，在希望的田野上谱写乡村全面振兴的新篇章。 创新"惠农贷"产品，精准滴灌涉农客户。为更好地服务涉农客户，光大银行创设"惠农贷"产品，通过深 入分析种植户、养殖户、涉农经销商等客群特点及客户需求，形成阳光助业贷、阳光种植贷、阳光养殖 贷、阳光农链贷等系列产品，以点带面不断扩展业务范围。目前"惠农贷"产品已在11个省份全面落地， 贷款规模已达25亿元。 融入产业链场景，构建普惠金融新生态。面对乡村金 ...

Core Viewpoint - The event "2025 China Bank 'Hui You Hao Sheng Yi' Business Circle Financial Ecosystem Conference" was held to establish a more efficient and precise inclusive financial community across regions, with the launch of the "Business Circle Hui Loan" product being a key highlight [1][3] Group 1: Product Launch and Features - The "Business Circle Hui Loan" product was officially launched by China Bank, aimed at small and micro enterprises and individual business owners, featuring a fully online application process [4] - The product utilizes digital capabilities to create a unique "credit profile" for each customer, allowing for precise assessment of their business situation and repayment ability, with a maximum loan amount of 5 million yuan [4][5] - The loan offers flexible repayment options, including "borrow as needed" and "interest first, principal later," with the potential for same-day approval and disbursement [4][5] Group 2: Strategic Collaborations and Ecosystem Development - China Bank signed a cooperation memorandum with seven key business circle management units from Zhejiang, Jiangsu, Guangdong, and Hunan provinces, laying a solid foundation for activating the economic potential of major business circles [1][5] - The bank's financial services have transitioned from single-point empowerment to a multi-dimensional ecosystem, marking a significant step towards collaborative financial service integration [5][6] - The service model has expanded to cover over 270 market circles nationwide, serving various industries including clothing, agricultural trade, cold chain, and food [5][6]

Core Insights - The article highlights the launch of the "Business Circle Huidai" product by Bank of Communications, aimed at enhancing financial services for small and micro enterprises and individual business owners across various regions in China [1][5][6] - The initiative is part of a broader strategy to create a more efficient and precise financial ecosystem through collaboration among government, enterprises, and banks [1][7] Product Overview - "Business Circle Huidai" is a personal credit loan product tailored for quality business circles and professional markets, allowing online applications and leveraging digital capabilities to assess creditworthiness [5][6] - The product features a maximum credit limit of 5 million yuan, with flexible repayment options and a fully online process, enabling rapid approval and disbursement [5][6] Strategic Partnerships - The Bank of Communications signed a cooperation memorandum with seven key business circle management units from Zhejiang, Jiangsu, Guangdong, and Hunan provinces, laying a solid foundation for activating the economic potential of major business circles [1][7] - This collaboration signifies a shift from single-point empowerment to a multi-dimensional ecosystem, enhancing the bank's financial services [7] Digital Transformation - The product system includes a "3+2N" structure, focusing on three core products: online mortgage loans, Huishang loans, and Huinong loans, with additional customized products for specific market scenarios [3][4] - The digital risk control mechanism transforms transaction records into "credit assets," addressing information asymmetry between banks and small micro clients [6] Market Coverage - The financial service system has reached over 270 market circles nationwide, covering various industries such as clothing, agricultural trade, cold chain, and food [7] - The bank aims to foster a symbiotic ecosystem among finance, market operators, and merchants, contributing to the high-quality development of the real economy [7]

加强货币政策传导，保持信贷总量合理增长。"十四五"期间，人民银行威海市分行通过下调法定存款准 备金率、加强货币政策工具使用等措施，推动金融机构加大信贷投放力度，带动金融总量实现合理增 长。突出"平稳增长、均衡投放"主线，用好用活MPA评估指标体系，引导金融机构强化贷款均衡投放理 念，充分挖掘有效信贷需求，为威海经济大盘稳固提供强有力的金融支撑。截至2025年三季度，全市本 外币贷款余额6157.04亿元，较2020年末增长81.3%。 强化利率自律管理，推动融资成本明显下降。"十四五"期间，人民银行威海市分行充分发挥市场利率定 价自律机制作用，加强治理高息揽储、手工补息等情况，规范金融机构存贷款利率定价行为，保持存贷 款利率在合理水平。深入推进下调政策利率、批量下调房贷利率、明示企业贷款综合融资成本等工作， 通过现场核查、业务培训等方式加强政策指导，畅通利率政策传导渠道，减轻各类市场主体的利息负 担。 三季度末，全市新发放企业贷款利率3.74%，比2020年末下降1.14个百分点，实实在在为实体经济 让利。 齐鲁晚报·齐鲁壹点 连宁燕 "十四五"期间，人民银行威海市分行认真贯彻总分行各项决策部署，紧扣市委市政 ...

Core Insights - The autumn grain procurement work has commenced successfully, with over 100 million tons of autumn grain purchased nationwide, indicating an active market and smooth progress in procurement [1] - Financial institutions are actively supporting the procurement process to ensure timely and sufficient funding for autumn grain purchases, which is crucial for national food security [2][4] Group 1: Financial Support for Grain Procurement - The People's Bank of China in Heilongjiang has organized local banks to ensure credit supply aligns with the procurement schedule, enhancing financial services for autumn grain purchases [2] - A total of 6200 rural financial service stations have been established to provide credit consultation and facilitate connections between grain producers and buyers [2] - The Agricultural Development Bank of Heilongjiang has mobilized 90 billion yuan to support autumn grain procurement, with a focus on timely fund disbursement and electronic payment services [4] Group 2: Innovative Financial Products - Financial institutions are developing innovative products to meet the diverse financing needs of grain procurement, such as "Agricultural Machinery Guarantee Quick Loan" and tailored loans for small and medium-sized grain enterprises [3] - The Agricultural Development Bank has issued 569.2 billion yuan in various agricultural support loans in the first three quarters, with a loan balance of 518.63 billion yuan [4] Group 3: Local Bank Initiatives - Local banks like Zhaozhou Rural Commercial Bank are actively engaging with grain cooperatives to provide flexible financing solutions, including grain purchase loans [6] - Jiangsu's Suining Rural Commercial Bank has increased agricultural loan disbursement, with 76.07% of its total loans directed towards agricultural support [7]

Core Viewpoint - The article emphasizes the importance of consumer spending as a key driver of economic growth, highlighting the proactive measures taken by the government and financial institutions like Bank of Communications to stimulate consumption through retail credit initiatives [4][5][6]. Group 1: Government Policies and Economic Context - The Chinese government has been actively promoting consumption and expanding domestic demand through various policies, including subsidies, tax incentives, and the issuance of consumption vouchers [5]. - Since 2014, consumption has consistently been one of the three main drivers of economic growth, with a projected retail sales total of 48.8 trillion yuan in 2024, reflecting a 3.5% increase from the previous year [4][5]. - The contribution rate of consumption to economic growth is expected to be 44.5%, underscoring its critical role in the national strategy for expanding domestic demand [4]. Group 2: Bank of Communications' Strategy - Bank of Communications is aligning its retail credit business with national strategies to enhance consumer spending and improve living standards, focusing on integrating supply and demand through institutional frameworks [6][11]. - The bank has launched the "Jiao Yin Hui Dai" personal loan brand, which combines consumer and business loans to meet diverse financial needs, emphasizing a one-stop service model [8][9]. - The bank's retail loan growth has outpaced the market, driven by a commitment to high-quality development and effective risk management [11][12]. Group 3: Digital Transformation and Innovation - The bank is leveraging digital technology to enhance its retail loan services, implementing an integrated credit approval process that simplifies customer interactions [13][14]. - Advanced technologies, including artificial intelligence, are being utilized to improve operational efficiency and risk management across the loan lifecycle [13][14]. - The bank aims to create a digital operating model that enhances customer experience and expands service coverage, particularly for new consumer segments [16][19]. Group 4: Risk Management and Talent Development - Bank of Communications is focusing on intelligent risk management, enhancing its fraud prevention systems and developing a dynamic monitoring and early warning system [20]. - The bank is committed to cultivating a workforce skilled in digital and data analysis to support its evolving business needs and improve frontline operational capabilities [19][20]. - The bank's risk management strategy includes a comprehensive collection and recovery system to maintain asset quality while expanding its loan portfolio [20].