在高质量发展的赛道上，小微企业是经济肌体的"毛细血管"，却往往被融资难问题"卡住了脖子"。如何 破解这一长期性难题？上海金融监管局深刻把握金融工作的政治性、人民性，和地方相关部门积极推进 支持小微企业融资协调工作机制（以下简称"小微融资协调机制"）落地实施。从监管干部下沉一线 的"调研跑"，到金融机构挂图作战的"攻坚跑"，再到多方合力优化金融服务的"接力跑"，在一次次脚踏 实地的"奔跑"中，奋力破解小微融资难题，找寻普惠金融高质量发展的上海经验。 专班领跑，协同构建融资服务"高速跑道" 对标对表，精准打通供需中梗阻。上海金融监管局持续加强与市发展改革委、市商务委、上海海关等有 关部门的协作，梳理更新创新型中小企业、中小微外贸企业、优质民营企业、专利工作试点示范企业、 农业科技企业等十类清单，覆盖近百万企业，并部署分配到相应银行，广泛开展银企对接。指导各银行 实施"挂图作战"工作机制，通过"网格化"+"清单式"的"千企万户大走访"，打通供需中梗阻，实现银行 信贷资金直达基层，各项政策措施落地见效。 广辟渠道，营造人人知晓的浓厚氛围。向社会公众发布上海银行业《普惠金融产品宣传手册》《中型企 业无还本续贷产品服务名 ...

党的二十大擘画了以中国式现代化全面推进中华民族伟大复兴的宏伟蓝图；2023年的中央金融工作会议 明确金融强国的建设目标，强调"深刻把握金融工作的政治性、人民性"；党的二十届四中全会对"加快 高水平科技自立自强，引领发展新质生产力"提出战略部署。2025年5月，《推动公募基金高质量发展行 动方案》的落地实施，为行业转型指明了方向。 立足行业发展大势，兴业基金确立清晰战略定位：传承银行系公募的优良传统，遵循市场化运作规律， 深度发挥集团化联动优势，践行内涵式高质量发展理念，以客户为中心构建多元化产品货架，打造银行 系特色公募品牌，致力成为资本市场的稳定器与社会财富的管理者。 作为国有金融体系的重要组成部分、普惠金融的关键载体，公募基金行业既是服务国家战略的金融力 量，也是守护亿万居民财富的民生纽带。立足新发展阶段，兴业基金以高质量党建为引领，锚定新质生 产力培育要求，厚植银行系公募的独特禀赋，在探索差异化突围路径中主动融入国家发展大局，在服务 实体经济、增进人民福祉、防范金融风险中践行国有金融企业的责任担当。 坚守金融初心 锚定政治性人民性根本方向 金融是国家重要的核心竞争力，更是党执政兴国的重要工具。金融工作的 ...

Core Viewpoint - China is accelerating its transformation and upgrading process, focusing on high-quality development and implementing a strategy to expand domestic demand, as emphasized in the 20th Central Committee's Fourth Plenary Session and the government's work report [1][2]. Group 1: Investment in People - The concept of "investment in people" differs fundamentally from Western human capital theories, emphasizing a people-centered development approach that aims for comprehensive human development and social equity [2]. - The shift towards "investment in people" is essential for stimulating economic circulation, addressing the underlying issues of insufficient effective demand due to concerns over employment, housing, education, healthcare, and social security [2][3]. Group 2: Consumption and Public Services - China's consumption structure is transitioning from goods-focused to a balance of goods and services, indicating significant potential for domestic demand growth [3]. - Key areas for investment include childcare support and elderly care services, which can alleviate family financial burdens and stimulate related consumption, thus linking social welfare with consumption promotion [3][4]. - Enhancing public services and equalizing access can unlock consumption potential in urban and rural areas, particularly through increased investment in housing, education, and healthcare for migrant populations [3]. Group 3: Policy Coordination - A systematic approach is required to promote consumption and expand domestic demand, necessitating coordinated policies that prioritize public welfare and optimize fiscal spending [4]. - Financial support should be directed towards consumption infrastructure and services that directly benefit residents, ensuring a positive interaction between "investment in people" and "investment in things" [4]. - A sustainable and systematic view is essential to ensure that investments yield tangible benefits for people's livelihoods and stimulate consumption, creating a virtuous cycle of economic growth and improved public welfare [4].

Core Insights - The People's Bank of China reported significant growth in various loan categories, including technology loans (11.8%), green loans (22.9%), inclusive loans (11.2%), elderly care industry loans (58.2%), and digital economy loans (12.9%), all surpassing the overall loan growth rate [1] - The report highlights the acceleration of inclusive finance in supporting the transformation and upgrading of the real economy, particularly in rural revitalization [1] Group 1: Inclusive Finance and Small Micro Enterprises - Small micro enterprises are crucial to China's economy but face persistent challenges such as "difficult and expensive financing." Financial authorities have optimized structural monetary policies to enhance credit support for these enterprises [2] - As of September 2025, the balance of inclusive small micro loans reached 36.1 trillion yuan, growing by 12.2%, while private economy loans totaled 71.1 trillion yuan, with a growth of 5.4% [2] - The establishment of a financing coordination mechanism has improved the efficiency of small micro enterprise financing, addressing the mismatch between supply and demand [4] Group 2: Policy Guidance and Financial Services - The growth of inclusive small micro loans is driven by policy guidance, with the People's Bank of China promoting financial services for small micro and private enterprises [3] - Financial institutions are encouraged to deepen cooperation with local governments and businesses to streamline loan approval processes and enhance service quality [3][4] - The implementation of a credit information sharing platform is crucial for improving the financing environment for small micro enterprises [5][7] Group 3: Digital Finance and Credit Information - Digital finance is identified as a new pathway for developing inclusive finance, optimizing fund allocation, and enhancing service efficiency [5] - The proportion of credit loans within inclusive small micro loans and agricultural loans is on the rise, indicating a shift towards more data-driven risk assessment methods [5] - The construction of a robust credit information system is essential for sustainable development in inclusive finance, with regulatory bodies promoting data sharing among financial institutions [6][7] Group 4: Future Outlook and Recommendations - The financial sector is advised to continue enhancing the inclusive finance system, focusing on multi-layered, broad coverage, and sustainable development models [10] - Financial institutions should adapt to changing customer needs and extend services to rural areas, improving accessibility and equity in financial services [10] - The ongoing development of inclusive finance is expected to support diverse financial needs in underdeveloped regions and among specific groups such as the elderly and disabled [9]

Core Insights - The Agricultural Bank of China Nanan Branch hosted a government-bank-insurance-enterprise matchmaking event focused on the integration of key industrial chains in Nanan City, emphasizing financial support and consumer rights protection [1][2] Group 1: Event Overview - The event was themed "Gathering Financial Resources to Strengthen Industrial Chains" and aimed to build a precise matchmaking platform while enhancing financial service supply [1] - The event was supported by multiple local government entities, including the Nanan Financial Regulatory Bureau and the Nanan Public Security Bureau, and attended by representatives from various financial institutions and over 60 machinery equipment companies [1] Group 2: Financial Services and Consumer Protection - The Agricultural Bank of China Nanan Branch focused on the financing, settlement, and development needs of machinery equipment enterprises, promoting tailored financial service solutions such as supply chain loans and inclusive financial products [2] - To enhance consumer rights protection, the bank set up a promotional area at the event to educate participants on consumer rights and illegal financial practices, thereby improving risk awareness and protection capabilities [2] Group 3: Future Actions - Following the event, leaders visited local enterprises to understand their operational conditions and financial needs, indicating a commitment to ongoing engagement with businesses [2] - The Agricultural Bank of China Nanan Branch plans to continue following up on enterprise needs and optimize financial services, while regularly conducting consumer rights protection campaigns to support the high-quality development of the machinery equipment industry in Nanan City [2]

Core Insights - The event "Financial Assistance for Precision Empowerment" was held to facilitate communication between government, banks, and enterprises, aiming to address the development challenges faced by businesses [1][3] - The government is focused on supporting the high-quality development of the real economy, establishing a platform for precise matching of financial resources with enterprise needs [3][6] Group 1: Event Overview - The event was organized by the Furong District Financial Affairs Center and the China Bank Furong Branch, with support from Changsha Evening News Media Group [8] - A total of over 30 outstanding entrepreneurs from Changsha Longping Industrial Development Zone and various streets in Furong District participated in one-on-one discussions with bank managers [5] Group 2: Financial Services - The China Bank Furong Branch introduced customized financial products tailored to the financing needs of small and medium-sized enterprises, providing clear guidance on application conditions, advantages, and processes [3][5] - The bank aims to transition from "inclusive" to "drip irrigation" financial support, ensuring that resources reach critical areas of the real economy [3][6] Group 3: Future Collaboration - The event established a solid communication bridge among the government, banks, and enterprises, with plans for ongoing collaboration to inject strong momentum into the high-quality economic development of Furong District [6]

Core Insights - WeBank, China's first digital bank, and its subsidiary WeBank Technology made their debut at the Hong Kong FinTech Week x StartmeupHK Festival 2025, marking a new phase in their international development [1][3] - The event attracted over 37,000 participants from more than 100 economies, showcasing the significance of the fintech sector [3] Group 1: WeBank's Innovations and Achievements - WeBank highlighted its leading achievements in technological innovation and inclusive finance practices, showcasing its distributed core system and AI-native applications [3][4] - The bank has served over 430 million individual customers and has facilitated loans for more than 6 million small and micro enterprises [3][4] Group 2: AI Integration and Future Plans - WeBank is transitioning towards becoming an AI-native bank, with over 100 AI application scenarios and more than 700 agents deployed, enhancing organizational efficiency [4] - The bank's vice president emphasized the importance of AI in transforming financial services, aiming for smarter and more inclusive solutions [4] Group 3: International Expansion and Strategic Goals - WeBank Technology aims to establish its Hong Kong headquarters as a global sales and innovation center, leveraging the vibrant business environment to enhance local financial digitalization [4][6] - The company has expanded into markets such as Indonesia, Malaysia, and Thailand, negotiating with over 20 partner institutions and achieving cooperation intentions exceeding hundreds of millions of dollars [4][6]

Core Insights - The central financial work conference held at the end of October 2023 emphasized the importance of "five major areas" in finance: technology finance, green finance, inclusive finance, pension finance, and digital finance [1] Group 1: Non-Bank Financial Institutions' Role - Non-bank financial institutions have focused on serving the real economy by leveraging their unique advantages in technology empowerment, green transformation, and inclusive financial services [1] - These institutions have actively participated in the entire lifecycle of technology innovation and high-end manufacturing, particularly in new energy, new materials, and information technology sectors [1] Group 2: Inclusive Finance Initiatives - Non-bank institutions have developed innovative inclusive financial products targeting small and micro enterprises, with a total of 1.6 trillion yuan directed towards inclusive finance [2] - Consumer finance companies have served over 85.43 million clients in rural areas, enhancing the accessibility of financial services [2] Group 3: Pension Finance Development - Non-bank institutions have integrated resources to enhance the pension service chain, establishing 1,148 pension-related projects with an investment of 14.493 billion yuan [2] Group 4: Digital Transformation - Non-bank institutions have made significant strides in digital transformation, with a focus on data value extraction and operational efficiency [3] - As of the end of 2024, consumer finance companies have secured 1,242 technology patents, supporting their digital transition [3] Group 5: Regulatory Framework - The regulatory environment for non-bank institutions has been strengthened with new policies aimed at ensuring compliance while allowing for innovation [4] - Future developments in policy will further enhance the professional capabilities of non-bank institutions, enabling them to contribute to high-quality economic growth [4]

Core Insights - The Shanghai financial "Five Major Articles" initiative aims to achieve a loan balance of 4.8 trillion yuan by the end of August 2025, representing a year-on-year growth of 13.7%, which is 6.6 percentage points higher than the overall loan growth rate [1] - A structured work model has been established, involving 16 departments and the central bank, with 92 tasks and 275 specific projects outlined to ensure effective implementation [1] Group 1 - The initiative aligns with the strategic needs of Shanghai's high-quality economic and social development, emphasizing financial supply-side structural reforms [2] - It aims to enhance the dual development of Shanghai's international science and technology innovation center and international financial center [2] - The focus includes promoting green and digital development, leveraging Shanghai's role as an international green finance hub [2] Group 2 - The initiative emphasizes financial inclusivity, aiming to innovate in financial products and services for the public [2] - There is a commitment to improving the pension finance system to better support the construction of a people-oriented city in Shanghai [2] - The meeting was attended by key officials, including the Executive Vice Mayor of Shanghai, Wu Wei, who highlighted the importance of the initiative [3]

Core Viewpoint - Xiamen International Bank's Beijing branch actively promotes financial standards to benefit the public and small enterprises, aligning with the People's Bank of China's initiative for 2025 [1][8] Group 1: Financial Standard Promotion - The Beijing branch organizes a series of educational activities themed "Financial Standards for the People and Enterprises" focusing on areas such as RMB anti-counterfeiting, personal financial information protection, and inclusive financial product standards [1][3] - Various channels, both online and offline, are utilized for systematic and multi-layered promotion of financial standards, aiming to integrate these standards into everyday life [1][7] Group 2: Community Engagement - The branch engages in community activities, such as participating in the 2025 Beijing Community Cultural Festival, where over 20,000 people participated offline and approximately 13,000 watched online [3] - Collaborations with local organizations, such as legal offices and community centers, are established to enhance public awareness of financial standards, particularly focusing on anti-counterfeiting and personal information protection [3][5] Group 3: Targeted Outreach - Special attention is given to the elderly and youth through financial education initiatives in universities, schools, and senior service institutions, enhancing their understanding of financial standards and self-protection [5][7] - The bank actively visits small and micro enterprises to discuss inclusive finance and service standards, addressing their financing challenges and suggestions [5][8] Group 4: Accessibility and Online Expansion - The branch adheres to accessibility standards, providing services tailored for the elderly and disabled, including dedicated assistance and priority processing [7] - Online platforms are leveraged to expand the reach of financial knowledge, with continuous updates on RMB anti-counterfeiting and standards for non-circulating currency [7][8] Group 5: Future Plans - The Beijing branch plans to continue enhancing financial standard education and implementation, aiming to improve service quality and increase public trust in standardized financial services [8]