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“十四五”银行业发展:服务实体能力跃升,改革化险成效突出
21世纪经济报道记者 杨希 "十四五"时期,国际形势复杂严峻,我国持续推进高质量发展,经济增长表现出较强的韧性。回顾来看,银行业面对内外部环境变化,积极谋 划转型,推进高质量发展。 数据显示,我国银行业金融机构总资产从2020年底的312.67万亿元增长至2025年7月的459.04万亿元,稳居全球第一位。更为重要的是,银行业 及时告别单纯追求资产和负债规模高速增长的做法,转向更加注重资本回报、资产质量和经营效率,轻资本、弱周期的中间业务成为新的增长 点。 "'十四五'以来,行业高质量发展实现新跨越,金融服务再上新台阶,金融监管开创新局面。"9月22日,金融监管总局局长李云泽在国新办举 行的"高质量完成'十四五'规划"系列主题新闻发布会上表示。 值得关注的是,"十四五"规划期间,中国金融业改革发展取得显著成就,其中,中小金融机构改革化险工作成效尤为突出。 上海金融与发展实验室首席专家、主任曾刚指出,作为金融体系的"毛细血管",中小金融机构直接关系实体经济资金流通是否顺畅。长期以 来,这些机构面临历史包袱重、公司治理不完善、风险抵御能力弱等问题。五年来,在党中央领导下,金融监管部门采取坚决措施、精准施 策,交出 ...
菏泽农商银行:搭建政银企村合作平台,金融活水精准滴灌地方经济
Qi Lu Wan Bao Wang· 2025-07-21 04:48
Core Viewpoint - The recent strategic cooperation meeting between Heze Rural Commercial Bank and Nancheng Office aims to create an efficient communication platform to address enterprise financing challenges and support high-quality local economic development [1][3]. Group 1: Meeting Overview - The meeting was hosted by Yan Ruifeng, the director of the People's Congress Working Committee, and attended by key officials from the Nancheng Street Office and Heze Rural Commercial Bank, along with representatives from nearly 70 local enterprises [3]. - The purpose of the meeting was to enhance communication between government, banks, and enterprises, allowing better understanding of financial products and services, and facilitating precise matching of needs to improve financing efficiency [3]. Group 2: Financial Services and Support - Heze Rural Commercial Bank emphasized its commitment to integrating its development with local economic growth, continuously increasing credit support for various market entities [4]. - The bank plans to optimize financial services by offering preferential interest rates, improving approval efficiency, and enhancing service models to better meet the needs of enterprises and communities [4]. - The meeting introduced various financial products tailored for businesses, individual entrepreneurs, and agricultural groups, along with unique service models such as cross-industry alliances and on-site offices [5]. Group 3: Future Initiatives - The successful hosting of the meeting established a positive interaction framework among government guidance, bank empowerment, and enterprise benefits [5]. - Moving forward, all parties will work towards establishing a regular communication mechanism to ensure continuous and precise financial support for local economic development [5].