Core Viewpoint - The article highlights the 15-year journey of Zhejiang Merchants Bank Jinan Branch, emphasizing its commitment to serving the local economy and community through innovative financial services and a focus on social responsibility [1][17]. Group 1: Development and Growth - Since its establishment in August 2010, Zhejiang Merchants Bank Jinan Branch has expanded its network across key economic areas in Shandong Province, establishing multiple branches and service points [3]. - The branch has served nearly 15,000 clients, providing over 1.28 trillion yuan in loans, with more than 80% directed towards real enterprises and over 50% to private enterprises [2]. Group 2: Financial Services and Innovations - The branch has transitioned from traditional banking to a model that integrates supply chain finance, cross-border finance, and inclusive finance, addressing liquidity challenges for over 9,000 enterprises [2][4]. - It has implemented a "six transformations" strategy, evolving from a commercial bank to a model that combines commercial and investment banking services [4]. Group 3: Regional Focus and Support - The bank has tailored its services to local economic conditions, such as establishing a specialized investment banking team in Dezhou and providing targeted financial support in industries like high-end manufacturing and logistics [4][5]. - In Yantai, the branch has supported over 1,000 foreign trade enterprises with comprehensive cross-border financial services [5]. Group 4: Social Responsibility and Community Engagement - The establishment of the Financial Advisor Workstation marks a significant step in promoting the "Good Financial" concept, integrating local resources to better serve community needs [7][8]. - The bank has engaged in various community support initiatives, including educational programs and infrastructure improvements in local schools, demonstrating its commitment to social responsibility [15][16]. Group 5: Strategic Financial Initiatives - The bank is actively involved in five key financial areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, aligning with national financial strategies [10][11][12][13]. - It has launched numerous financial products aimed at supporting small and micro enterprises, enhancing their access to financing and reducing costs [11]. Group 6: Future Outlook - Looking ahead, the bank aims to deepen its financial ecosystem in Shandong, focusing on innovative solutions that meet the needs of local governments and enterprises [9][14].

近日，建行上海市分行与上海数据交易所（以下简称"上海数交所"）合作，依托上海数交所"数易 贷"开展数据资产金融创新，为维智科技提供3000万元授信。这是目前授信金额最高的"数易贷"，帮助 数据要素型企业拓宽融资渠道、提高资产使用率，为更多"轻资产、重数据"的企业利用数据资产进行融 资提供了可借鉴的经验。 对于金融机构和企业而言，数据资产融资既是机遇，也是挑战。王建平表示，数据资产融资面临确 权难、估值难、托管难、处置难等难题。在确权方面，数据资产融资需要明确资产权属，但数据的易复 制性和多主体参与性使确权困难，当前政策和法律仍需进一步明确数据资产的持有权、使用权和经营 权。估值方面，数据资产的价值因应用场景而异，现有的估值方法不够成熟，难以全面反映数据资产的 市场价值。托管方面，数据资产托管需要安全的基础设施和完善的制度保障，以确保资产的安全与合 规，防止重复融资和数据滥用。处置方面，数据资产价值波动大，变现难度高，受市场、法律和数据特 性限制，确权难、估值难和处置机制不健全都加大了处置难度。 维智科技是国内领先的时空人工智能产业赋能平台。据维智科技市场总监韩萍萍介绍，今年上半 年，该企业的多个行业产品完成数 ...

经湖北省人大常委会会议两次审议，7月31日，湖北省十四届人大常委会第十九次会议表决通过了《湖 北省数据条例》，自2025年10月1日起施行。条例全面贯彻党中央、国务院关于数据工作的决策部署和 省委工作要求，为湖北数据工作、数据领域建设和发展提供法治保障。 8月6日，湖北省政府新闻办召开新闻发布会，解读条例制定的背景、过程和主要内容。 湖北省人大法工委相关负责人表示，湖北省人大常委会将会同省直相关单位持续推进条例贯彻实施，推 动条例落实落地，为湖北加强数字湖北建设、加快建成支点提供有力法治支撑。 六大方面构筑数据制度框架 在完善数据工作体系方面，条例明确了各级政府的领导责任，以及数据、公安、网信、经信、知识产权 等相关部门在数据安全监管、数据产业促进、数据基础设施建设、数据权益保护等方面的职责，并最大 限度调动各方面参与数据工作的积极性。 为加强数据权益保护，条例贯彻相关上位法的规定，对各方面关注的数据权益问题作出回应。在落实数 据"三权"规定方面，明确自然人、法人和非法人组织享有的数据持有、使用、经营等数据权益依法受保 护；在数据采集、个人信息保护方面，明确数据采集规则和相关要求，对公共场所安装图像采集、个人 ...

为了引导数据产业集聚发展，上述负责人表示，将支持武汉、宜昌等地打造数据标注产业高地，服务人 工智能创新发展。联合金融机构创新数易贷等金融产品，为数据链企业提供金融服务。 在数据市场建设上，发挥数据交易所数据产业生态引育集聚功能，汇聚优质数据商和专业服务机构，提 升本土数商竞争力，推动从"交易场"到"产业圈"的跃升。 在制度建设上，上述负责人透露，将深入推进国家数据要素综合试验区建设，探索数据产权登记等制度 落地。在产权保护上，鼓励对数据权益进行登记，推动登记凭证作为数据资产会计处理、流通交易、融 资担保等活动合法证明的广泛应用，激发市场主体数据资源建设投入与开发动力，打造更多数据资产。 湖北省数据领域首部基础性法规《湖北省数据条例》将自2025年10月1日起施行。8月6日，证券时报记 者从湖北省政府新闻办举行的发布会上获悉，湖北将支持武汉、宜昌等地打造数据标注产业高地，服务 人工智能创新发展。 "启动专项攻坚，打通数据'聚通用管'梗阻。"湖北省数据局相关负责人介绍，将全面盘点各地各部门信 息系统及数据资源，编制统一数据目录，2025年底数据汇聚总量力争突破1000亿条。 在"通"上，推动数据跨层级、跨系统、跨 ...

"鸡毛很轻，但只要有点儿风，它就能飞上天。"当年一部热播剧《鸡毛飞上天》，不仅让"善学习、勇 创新、守诚信、重担当"的浙商精神传遍大江南北，更以商战叙事为壳，装下了中国改革开放四十年的 商业密码，成为一部唤醒无数创业者的"时代教科书"，助推着"大众创业、万众创新"的浪潮奔涌向前。 浙江，这片浸润着敢想敢闯、敢拼敢干的热土，始终是中国商业活力的前沿阵地，350万家民营企业在 此扎根生长、蓬勃发展。而"鸡毛"能乘风翱翔，离不开"金融"这股劲风的托举。 日前，南方都市报社、湾财社携手中国人民大学中国普惠金融研究院，共同启动"中国普惠金融行"专题 系列报道，呈现鲜活生动的普惠金融服务案例、模式，探索数字时代普惠金融创新路径，栏目本期采访 浙商银行。 作为浙江省内规模最大的银行，面对曾长期困扰小微企业的"融资难、融资慢、融资贵"痛点，浙商银行 怀揣"娘家人"般的热忱，为百万个体工商户筑牢"金融靠山"，走出了一条"规模与质量并重、创新与风 控同行"的特色发展之路。 小微企业融资路上的"拦路虎" 浙江是民营经济大省，也是中小微企业大省。浙江省民营企业发展联合会日前发布的《2024年浙江省民 营企业发展简报》显示，截至202 ...

Core Viewpoint - Zhejiang Zheshang Bank's wealth management subsidiary, Zhejiang Yin Wealth Management, has launched its first "Common Prosperity" themed wealth management product, "Congjian Baoshi No. 7," as part of its initiative to support the construction of common prosperity demonstration zones [1][3]. Group 1: Product Launch and Strategy - The launch of three "Common Prosperity" themed wealth management products is a significant step for Zhejiang Yin Wealth Management in promoting common prosperity [3]. - The products are designed to integrate the concept of "deepening Zhejiang" into their management system, utilizing management fees for charitable causes and increasing financial support in specific areas [3][4]. - The "Congjian Baoshi No. 7" product links management fees to the net asset value of the product, incentivizing the management team to enhance investment performance [3][4]. Group 2: Charitable and Financial Support - The "Tongshan Gongfu" product allocates part of its management fees to charity, focusing on rural education, poverty alleviation, and investor rights protection [4]. - The "Tongxin Gongfu" product emphasizes support for specialized, innovative sectors, ESG initiatives, and pension security, guiding residents' wealth towards new productive investments [4]. Group 3: Broader Financial Initiatives - Zhejiang Zheshang Bank aims to provide low-threshold, low-risk, and low-fee products to accelerate financial inclusivity and help residents preserve and increase their wealth [5]. - The bank has been actively involved in enhancing financial services in mountainous and island counties, demonstrating a commitment to high-quality development [6]. - The establishment of financial advisory studios and the deployment of over 5,000 financial advisors across Zhejiang province aim to support local enterprises and farmers [6]. Group 4: Industry Impact - Analysts believe these initiatives translate the grand goal of common prosperity into executable financial solutions, positioning Zhejiang Zheshang Bank as a model for comprehensive financial services in county areas [7].

Core Viewpoint - The article emphasizes the importance of developing new productive forces and modern industrial systems in Guangdong, with a focus on integrating financial services into the manufacturing industry to support small and medium-sized enterprises [2][5]. Group 1: Financial Services Innovation - Zhejiang Commercial Bank's Guangzhou branch is innovating financial services by creating scenario-based financial models that integrate deeply into the core of the industrial chain, specifically targeting small and medium-sized enterprises [2][5]. - The bank has developed differentiated financing solutions for key industries in Guangdong, including energy, construction, automotive, telecommunications, and home appliances, to enhance the industrial ecosystem [5][6]. Group 2: Support for Technological Innovation - The bank offers specialized financial products such as "Specialized and Innovative Loans" and "Co-Investment Loans" to support technology enterprises at various stages of development, ensuring comprehensive financial services throughout their lifecycle [6][7]. - By May 2025, the bank had served over 1,800 technology finance enterprises and more than 700 specialized and innovative enterprises, providing substantial financial support for technological innovation in Guangdong [6]. Group 3: Financing for Industrial Parks - The bank has implemented a comprehensive financial service model for industrial parks, addressing the financial needs of enterprises within these parks, with over 257 small and micro parks served and a total loan amount exceeding 29.5 billion [7]. - The introduction of a digital service system has improved access to financing for small and micro enterprises, with nearly 190 million in digital loans disbursed in 2024 [7]. Group 4: Globalization Support - The bank is addressing challenges faced by Guangdong enterprises in their global expansion, such as difficulties in overseas account opening and payment efficiency, by providing innovative cross-border services [8]. - By the end of 2024, the bank's international settlement and foreign exchange transaction volumes exceeded 35.3 billion and 23.3 billion, respectively, supporting the international development of Guangdong enterprises [8].

Core Viewpoint - Zhejiang Merchants Bank Shanghai Branch is committed to supporting the private economy by implementing various financial support policies and enhancing financial services for private enterprises [1][7] Group 1: Support for Private Enterprises - The bank actively reduces financing costs for private enterprise clients by implementing differentiated pricing strategies, offering loan interest rate discounts, and expanding the coverage of fee reductions [1] - The bank promotes seamless loan renewals and expansions, adhering to the requirements of the national financial supervision authority to enhance the coverage of seamless loan renewals for small and micro enterprises [1] - The bank is focused on reducing the financial burden on private enterprises by waiving various fees and costs associated with banking services [1] Group 2: Integrated Financial Services - The bank accelerates the reform of integrated financial services centered on customer needs, utilizing a comprehensive service model that combines commercial banking, transaction banking, investment banking, and private banking [2] - The bank enhances collaboration between small and large enterprises by leveraging cross-departmental coordination and providing comprehensive financial services through joint marketing and project collaboration [2] - The bank supports private enterprise bond issuance, particularly through risk mitigation instruments, to improve market acceptance and reduce financing costs [2] Group 3: Financing Service Mechanisms - The bank aims to establish effective financing service mechanisms by enhancing cooperation with government-backed financing guarantee companies to provide better financial services for small and micro enterprises [3] - The bank conducts extensive outreach and research activities to address the urgent needs of private clients, ensuring a responsive organizational structure to meet market demands [3] Group 4: Digital Financial Ecosystem - The bank is developing a comprehensive digital financial service model that integrates digital reform with practical applications to create a collaborative digital ecosystem for supply chain financing [4] - The bank is focused on leveraging data value by utilizing digital financial platforms to provide services to underserved groups and enhance credit data applications [5] Group 5: Service System and Risk Control - The bank is simplifying approval processes to improve service efficiency, aiming to reduce unnecessary steps and shorten loan approval times for private enterprises [6] - The bank is enhancing resource allocation and incentive mechanisms to direct more credit resources towards private enterprises, particularly in manufacturing and green finance [6] - The bank is optimizing risk control strategies by focusing on the primary repayment sources and reducing reliance on collateral, while enhancing credit information sharing with government and industry associations [6]