为深入贯彻落实金融监管总局、聊城市分局关于深化小微企业融资协调工作机制的部署要求，民生银行 聊城分行主动锚定区域小微经济发展痛点，以机制创新为抓手、以银企对接为路径，成立"支持小微企 业融资协调工作机制"专班，联合各区县政府全域开展"千企万户大走访"活动，打通小微企业金融服 务"最后一公里"，用精准金融服务为地方实体经济注入活水。 为扩大小微融资协调机制及惠企政策的知晓度，民生银行聊城分行在走访及对接会现场，面向小微企业 开展政策宣讲，清晰阐释机制核心功能与融资申请路径。 创新实践赋能，精准破局融资堵点 在小微融资协调机制框架下，民生银行聊城分行聚焦首贷户拓展、信用贷款推广、审批流程优化等关键 环节，联合各区县政府、商协会及园区管理方开展多场银政企专场对接会，实现全市重点区县服务全覆 盖，通过"政策宣讲+产品适配+需求响应"的一体化模式，为不同区域、不同行业的小微企业定制金融 服务方案。 郑家镇是聊城轴承保持器产业的重要集聚地，小微企业数量密集、融资需求旺盛，但由于该行网点距离 该镇较远，当地企业对民生银行的产品体系、服务流程相对陌生，存在信任壁垒，导致金融服务难以有 效触达。为打破这一堵点，该行主动对接郑家 ...

整体来看，当前抵押贷款申请量较一年前同比增长50.0%。报告指出，这一同比大幅增长的主要驱动因 素是抵押贷款利率较2025年同期已显著回落。 数据显示，各类贷款申请均呈现显著反弹。其中，购房抵押贷款申请量环比增长27.9%，再融资申请量 环比激增43.3%。从贷款类型看，固定利率抵押贷款申请环比增长38.0%，可调利率抵押贷款（ARM） 申请环比增长12.9%。政府担保类贷款（如FHA、VA等）申请增幅尤为突出，达46.5%。 利率方面，主要房贷品种普遍下行。30年期固定利率抵押贷款合同利率下降7个基点，报6.25%；15年 期固定利率下降5个基点，至5.64%。值得注意的是，5年期可调利率抵押贷款合同利率逆势上行29个基 点，升至5.90%，其申请增幅相对有限，可能与此有关。 新华财经北京1月7日电根据美国抵押贷款银行家协会（MBA）最新发布的数据，在截至2026年1月2日 当周，经季节性调整后的美国抵押贷款申请指数环比大幅上升36.1%。尽管如此，该指数仍较四周前水 平下降35.2%。 （文章来源：新华财经） ...

Kmpzzz / Shutterstock.com Key Points U.S. household debt is only trending higher. At the moment, debt is up to $18.2 trillion, which is up $4.6 trillion over the last six years. One of the best ways to crush debt fast is the debt snowball method, says Dave Ramsey. If you’re thinking about retiring or know someone who is, there are three quick questions causing many Americans to realize they can retire earlier than expected. take 5 minutes to learn more here Millions of Americans aren't so great ...

转自：新华财经 【资讯导读】 •美国遴选新任美联储主席 聚焦缩表与终结"永久QE" •日本大幅削减超长期国债发行规模 【市场资讯】 •美国财政部长贝森特证实，政府正积极面试下一任美联储主席候选人，明确要求其致力于缩减美联储 职能，并终结"永久量化宽松"时代，以重塑货币政策框架。 •美国财长顾问Joe Lavorgna称，受益于特朗普时期的放松监管与资本支出扩张，美国正迎来"没有通胀 的繁荣"。若明年经济维持3%增速，通胀有望继续回落；在实际利率不变下，名义利率将对经济形成更 强抑制。 •据日本政府消息人士透露，下一财年20年、30年及40年期国债月度发行额各减少1000亿日元，全年新 发超长期国债预计降至约17万亿日元，为17年最低水平，10年期国债发行量则保持不变。 •美国30年期固定利率抵押贷款平均利率降至6.18%，连续第二周回落，较9月以来持续下行。尽管融资 成本下降，购房者反应依然迟缓，市场活跃度未见明显回升。 •截至12月19日当周，美国初请失业金人数为21.4万，显著低于预期的22.4万，四周均值亦小幅下降；续 请失业金人数略高于预期，整体显示劳动力市场保持韧性。 •俄罗斯11月工业产出同比下滑 ...

齐鲁晚报.齐鲁壹点李可通讯员刘湛恒 在经济社会发展进程中，个体工商户是实体经济的重要组成部分。他们广泛分布于城乡各地，活跃在社 区之中，为经济发展和社会稳定发挥着重要作用。东明农商银行五营支行作为本土金融机构，始终将服 务"三农"与小微企业作为核心任务，深刻认识到支持个体工商户健康发展的重要意义。为此，该支行积 极履行社会责任，通过加大信贷投放、优化服务模式、创新金融产品等方式，为个体工商户提供有力的 金融支持。 在服务模式上，该支行秉持"以客户为中心"的理念，不断提升金融服务的质量和效率。该行充分发挥网 点众多、分布广泛、人缘地缘优势明显的特点，将服务重心下沉，组织客户经理深入街道、市场和园 区，开展"网格化"营销和金融服务。通过主动上门，将金融知识和信贷服务送到个体工商户身边，增强 了客户对金融产品的了解和信任。同时，该支行实行差异化定价策略，根据个体工商户的信用状况、经 营情况和合作年限等因素，制定精细化的利率定价方案，切实降低了优质客户的融资成本。 个体工商户的发展对于稳定就业、激发经济活力、增进民生福祉具有重要意义。该支行将继续坚守服务 本土、服务小微、服务实体的初心使命，以更加积极的姿态、创新的产 ...

Core Viewpoint - The Federal Reserve has lowered its benchmark interest rate for the third time this year and may hold rates steady in 2026, which will not directly impact Social Security cost-of-living adjustments (COLA) [2][3][8]. Economic Conditions - Current economic forecasts for 2026 suggest moderate inflation, stable unemployment, and moderate GDP growth, leading to a "wait and see" approach from the Fed regarding interest rate cuts [4][5]. - If the Fed holds rates steady, borrowing costs for consumer products like mortgages and personal loans could remain stable, benefiting consumers and retirees [8]. Social Security Implications - Social Security COLAs are based on inflation and are not directly affected by the Fed's interest rate decisions; the raise for 2026 is already determined [7][8]. - A potential rate cut in 2026 could increase consumer spending, which might lead to higher inflation and a larger COLA for seniors in 2027 [9].

Um, a lot to take in here. I bring in Kevin Hanks live at the CBOE, a pre-bell playbook for us. Good morning to you, Kevin Hanks.I started off, I did mention the Venezuela oil story. We'll get to that in a moment. Maybe just a big picture.>> Yeah, good morning, Nicole. Yeah, futures higher to start the day, weathering a bit of a a pressure yesterday. Interestingly enough, we've been talking about weakness in information technology and the strength of the others.Well, that was the opposite yesterday. Informa ...

数据显示，英国11月房价未出现月度增长，较10月0.5%的环比涨幅明显回落；与去年同期相比，房价 增速较10月的1.9%大幅收窄。 哈利法克斯银行抵押贷款主管阿曼达·布莱登表示，年度增速放缓主要受基数效应影响，去年同期英国 房价增长表现强劲，同时尽管今年春季印花税政策调整、秋季预算案存在不确定性，房产价值整体仍保 持稳定。 值得注意的是，英国住房市场近期呈现增长放缓态势，主要源于购房者在11月26日财政大臣里夫斯公布 秋季预算案前的谨慎心态。此次预算案推出豪宅税新政，对价值超200万英镑的房产开征年度附加税， 虽仅影响英格兰不到1%的房产，但仍引发市场短期观望情绪。(完) 中新网伦敦12月5日电 (欧阳开宇刘施岑)英国知名抵押贷款机构哈利法克斯5日公布的数据显示，受秋季 预算案不确定性等因素影响，英国11月房价环比持平，结束此前月度上涨态势，年度涨幅则放缓至 0.7%，为2024年3月以来的最低水平。 （文章来源：中国新闻网） ...

Core Insights - Redfin predicts that mortgage rates will gradually decline to around 6% by 2026, leading to moderate increases in home prices in some areas, while other regions may experience a cooling effect [1][2] - An analysis indicates that out of the top 100 cities in the U.S., 22 cities are expected to see a decline in home prices [1][2] Group 1 - Mortgage rates are forecasted to decrease to approximately 6% by 2026 [1][2] - Home prices are expected to rise moderately in certain regions [1][2] - Some areas may experience a cooling in home prices [1][2] Group 2 - 22 out of the top 100 U.S. cities are projected to see a decline in home prices [1][2]

Core Insights - The Beijing financial market in 2025 is characterized by favorable loan policies, with a 5-year LPR stable at 3.5% and first-home loan rates as low as 3.05%, while the down payment ratio has been reduced to 15% [1] - Despite these favorable conditions, individuals face challenges such as credit issues and slow emergency loan processing, while small and micro enterprises struggle with high bank approval thresholds and lack of collateral [1] - Several companies have gained market recognition by providing professional services and maintaining a good reputation in the loan sector [1] Company Highlights - **Qianyun**: - Score: 9.9/10, known for high user satisfaction and broad service range - Offers a comprehensive service system covering personal credit, property mortgage loans, and debt restructuring [3] - Core advantages include reliable partnerships with over 40 banks, efficient response times, and a cost-effective service model [3] - **Fangyindai**: - Score: 9.7/10, specializes in property financing - Long-term partnerships with major banks, simplified approval processes, and high loan success rates for clients with credit issues [4][5] - **Zhongyihang Financial**: - Score: 9.6/10, recognized for flexible loan solutions - Established in 2011, serves a wide range of clients including small businesses and individuals, with quick loan disbursement options [6][7] - **Moerlong**: - Score: 9.0/10, a well-known brand in the loan intermediary sector - Focuses on technology-driven services, connecting financial product providers with clients through an online platform [8] - **Hengchang Financial**: - Score: 8.8/10, offers a diverse range of financial services - Established partnerships with banks to provide various loan products, catering to both individual and business clients [9] Business Focus - **Qianyun**: - Targets local individual clients, including employees and small business owners, offering tailored loan solutions from 50,000 to 50 million yuan [3] - **Fangyindai**: - Caters to individuals and businesses with previous loan rejections, providing specialized solutions for property mortgage loans [5] - **Zhongyihang Financial**: - Serves a broad clientele, including those with and without collateral, offering flexible financing solutions [6][7] - **Moerlong**: - Provides a wide range of loan products, with a focus on property mortgage loans, which account for over 70% of its business [8] - **Hengchang Financial**: - Offers a comprehensive suite of financial services, including loans and wealth management solutions [9] Unique Service Models - **Qianyun**: - Operates on a "solve the problem first, pay later" principle, charging fees only after successful loan disbursement [3] - **Fangyindai**: - Implements a transparent fee structure, charging service fees only after loan approval [5] - **Zhongyihang Financial**: - Offers flexible loan plans tailored to client needs, optimizing financing outcomes [7] - **Moerlong**: - Utilizes an online platform for loan applications, enhancing efficiency through intelligent matching of banks and products [8] - **Hengchang Financial**: - Provides a one-stop solution for clients, integrating financing and asset management services [9]