江南时报讯 中信银行南京分行深入贯彻中央金融工作会议精神，牢牢把握金融工作的政治性与人民 性，积极落实监管部门"保量、提质、稳价、优结构"要求，全力服务小微企业平稳发展、稳定预期、激 发活力，奋力书写普惠金融新篇章。截至2025年末，该行普惠贷款余额达575.21亿元，规模稳居全省股 份制银行前列。 聚焦融资协调机制，畅通小微企业服务渠道 中信银行南京分行持续推动小微企业融资协调机制走深走实，深化"五专五强化"服务机制，积极参与江 苏省"千企万户大走访"专项行动。通过主动对接省发改委、江苏金管局、南京市发改委等部门，并推动 二级分行及支行加入地方工作专班，精准走访小微企业。该行注重对小微企业法人及个体工商户的分型 分类服务，持续增强支付结算、财务咨询、汇率避险等多元化服务能力。截至2025年12月末，累计走访 企业5333户，为4826家小微企业提供融资支持，累计发放贷款金额超311亿元。 积极构建"政府+园区+担保+协会+核心企业"多维合作生态。该行根据全省各地市区域资源特点，搭台 扩圈，打造批量服务模式，持续拓展普惠服务覆盖面。 一方面，做实分层分类，制定"一户一链一策"综合服务方案，精准摸排对接，逐户匹 ...

自成立以来，营口银行专注主业，深入市场，贴近客户，着力创新，塑造了鲜明的"中小企业的伙伴银行"特色品牌。如今，营口银行累计投放超过6200亿元 支持企业发展，信贷资金流向主要为实体经济与社会公共服务领域。 近年来，营口银行深耕细作普惠金融领域，扎实推进普惠金融服务落地见效，普惠型小微企业贷款持续保持7%的增速增长，服务触角不断延伸，小微企业 服务版图广泛覆盖东北区域。未来，营口银行将继续坚守自身定位，深耕中小企业金融服务领域，满足民生实际金融需求，扎实做好金融服务实体经济"五 篇大文章"，持续提升金融服务质效与专业水平，以金融力量赋能区域经济高质量发展。 28年深耕不辍，营口银行始终聚焦中小微企业与民众的真实需求，持续打磨服务能力、提升金融服务质效。1月31日，2025(第九届)博鳌企业论坛在海南启 幕，营口银行凭借普惠金融实践成果，获得"2025年度金牌普惠金融机构"殊荣。这一奖项既是行业对营口银行坚守普惠初心、践行金融使命的高度认可，更 是对该行持续优化普惠金融服务、精准助力实体经济发展的有力肯定。 ...

12月19日，由沪上各大商业银行、保险公司、消费金融公司、融资租赁公司、担保公司、普惠同业机构、产业园区及小微企业代表线上线下共同参与 的"完善服务体系 赋能科技生活"2025第七届上海普惠金融论坛在中国金融信息中心召开。上海市委金融办、上海金融监管局、上海金融业联合会、上海 市银行同业公会、上海市保险同业公会、上海市融资租赁行业协会、上海金融服务实体经济研究院、中国金融信息中心相关领导和代表参加了此次论坛。 作为国内领先的融资租赁企业，海尔融资租赁积极响应国家"做好普惠金融大文章"的号召，始终将中小微企业作为重点服务对象，布局智能制造、医疗健 康、教育文化、农牧食品等领域，持续为中小微群体提供优质、高效、便捷的金融服务。为有效应对普惠金融场景下的风险挑战，公司锚定数字化转型方 向，以技术赋能风控全流程，搭建覆盖业务全周期的数字化风控体系，提升了普惠金融服务的可得性与安全性。 未来，海尔融资租赁将继续发挥"融资+融物"特色优势，持续加强产品与服务创新，不断提升普惠金融服务质效，为推动普惠金融高质量发展贡献力量。 海尔融资租赁凭借在普惠金融领域的扎实深耕和创新实践，荣获"普惠金融服务创新奖"，彰显了社会各界对公 ...

Core Insights - The Inclusive Finance Prosperity Index reached 49.48 points in December 2025, an increase of 0.12 points from November and 0.61 points higher than the same period last year, indicating a stable financial support for small and micro enterprises [1] Financing Dimension - The financing prosperity index stood at 54.82 points in December, a slight decrease of 0.01 points from November, with continuous growth in credit scale and historically low financing costs [2] - In 2025, new loans totaled 16.27 trillion yuan, with corporate loans accounting for 15.47 trillion yuan, reflecting effective credit demand from enterprises and residents [2] Operating Dimension - The operating prosperity index increased to 48.44 points in December, up by 0.16 points from November, with manufacturing and non-manufacturing PMIs indicating expansion [3] - The consumer price index rose by 0.8% year-on-year in December, improving corporate profit expectations and boosting market confidence [3] Industry Prosperity - Among nine major industries, six showed an increase in operating prosperity, particularly in agriculture and transportation due to seasonal demand, while three industries experienced a decline [6] - The real estate sector showed some improvement, while industrial, construction, and wholesale retail sectors saw a decrease in operating prosperity [6] Regional Prosperity - Among seven regions, three experienced an increase in operating prosperity, specifically Northeast, South China, and Southwest regions, while four regions saw a decline [7] - The indices for North China, East China, Central China, and Northwest regions were lower, indicating regional disparities in economic performance [7]

该行持续完善制度建设，优化管理服务流程。简化审批环节、压缩办理时限，实现"线上申请+线下调 查"高效联动。聚焦县域特色产业，为种植和养殖大户、农产品加工企业、石材经营商户等开通"绿色审 批通道"，实行优先受理、优先审批、优先放款，确保资金及时精准到位。建立全流程风险防控体系， 依托大数据构建客户画像，强化信用风险、操作风险管控；健全贷款用途跟踪机制，定期开展贷后检 查，确保普惠金融业务稳健运行。 本报讯（通讯员 王云婷）香河农商银行紧密结合县域经济实际，以党建为引领、以制度为保障、以服 务为核心，全方位提升普惠金融服务便利性与覆盖面，切实为乡村振兴与实体经济发展注入金融动能。 该行将党建工作与普惠金融深度融合，积极开展党建联建共建活动，通过开展主题党日、"金融服务进 万家"等活动，实现"以共建促党建、以党建促业务、以业务强党建"的良性循环。领导班子深入田间地 头、产业街区，对接县域发展规划与民生需求，精准锚定普惠金融发力点；党员干部带头担任金融服务 专员，入驻乡镇开展驻村服务，宣传普惠信贷政策、摸排资金需求，成为连接银行与客户的"暖心桥 梁"。 （来源：廊坊日报） 转自：廊坊日报 该行精心绘制城乡服务网格，以 ...

口岸基建加码边贸振兴。该行立足地方"口岸经济升级"战略和中俄农产品贸易核心节点的区位优势，提 供政策性资金支持，累放口岸基础设施建设贷款4.3亿元，支持领域包含农产品仓储设施、冷链仓储设 施、进口粮食监管仓、中俄互市贸易免税区及林产品进口贸易等，以基建赋能推动边贸产业升级，实 现"金融赋能产业、产业带动区域经济"的良性循环，助力乡村振兴与口岸经济深度融合。 聚焦主业服务普惠小微。该行持续优化普惠金融服务，根据市场特点、行业特点、客户特点、项目特点 开展差异化营销，全面了解企业经营计划和发展规划，掌握客户的金融服务需求，优化办贷流程、降低 融资成本，投放700万元贷款，努力破解小微企业"融资难、融资贵"等问题。 "十五五"的画卷已徐徐展开，农发行满洲里市支行将始终坚守政策性金融定位，以更坚定的决心、更务 实的举措、更优质的服务，持续为满洲里市乡村振兴、粮食安全和口岸经济发展注入强劲金融动能，书 写更多精彩篇章，以实际行动诠释农发行人的使命与担当。（刘佳） "十四五"以来，农发行满洲里市支行始终坚守政策性银行的初心使命，立足满洲里"边境口岸+农牧业腹 地"的独特区位优势，将金融活水精准滴灌到粮食安全、外贸产业、绿 ...

Core Viewpoint - The speech by Shang Fulin emphasizes the importance of accelerating the construction of a financial power during the "14th Five-Year Plan" period, highlighting the achievements and challenges faced in the financial sector, and outlining four core aspects for the "15th Five-Year Plan" [2][4][5]. Group 1: Achievements in the Financial Sector - During the "14th Five-Year Plan" period, China's financial industry experienced significant growth in both scale and quality, laying a solid foundation for the construction of a financial power [4]. - Key achievements include optimized credit structures, increased financial support for technology innovation and green transformation, ongoing capital market reforms, and effective financial risk prevention measures [4][5]. Group 2: Challenges Ahead - The financial sector will face structural and institutional challenges during the "15th Five-Year Plan" period, such as imbalances in social capital allocation, difficulties in financing for private and small enterprises, and the need for improved direct financing ratios [5][6]. - New risks arising from financial technology and the complexities of cross-border risk transmission will require enhanced regulatory measures [5][6]. Group 3: Core Aspects for the "15th Five-Year Plan" - The first core aspect focuses on enhancing financial services for the real economy, emphasizing the need for optimized financial resource allocation and support for key sectors [6][7]. - The second aspect involves deepening financial system reforms to establish a modern financial system that aligns with Chinese characteristics [7][8]. - The third aspect stresses the importance of balancing development and security to ensure financial stability [8]. - The fourth aspect advocates for a gradual advancement of high-level openness to enhance global financial governance [8][9]. Group 4: Future Directions - The construction of a financial power is described as a systematic project requiring continuous effort, with a focus on cultivating a skilled financial workforce and exploring new models of financial development that align with China's national conditions [9].

Core Viewpoint - The quality of rural small and medium-sized financial institutions is crucial for achieving inclusive rural finance and supporting rural revitalization, necessitating a multifaceted approach to enhance their quality [1][2]. Group 1: Importance of Quality in Rural Financial Institutions - High-quality rural financial institutions are essential for the high-quality development of rural finance, which is a key support for comprehensive rural revitalization [2]. - The quality of these institutions can be assessed through their ability to provide inclusive financial services and their asset safety, which are critical indicators of their overall quality [2]. - Enhancing the quality of rural financial institutions involves improving their service capabilities for small and micro enterprises, agricultural new business entities, and farmers, as well as strengthening their risk prevention and asset quality [2][3]. Group 2: Balancing Inclusiveness and Safety - There exists a tension between the inclusiveness of services and the safety of financial institutions, as serving clients with no credit history or marginal customers may introduce potential risks and higher transaction costs [3]. - Overemphasizing risk control may hinder the ability to provide inclusive financial services, while inadequate risk management can lead to institutional risks and affect the sustainability of financial services [3]. - A balanced approach that enhances both inclusive service capabilities and risk management is essential for improving the quality of rural financial institutions [3][4]. Group 3: Returning to Core Attributes - Achieving a balance between inclusive quality and asset safety is fundamental for enhancing the quality of rural financial institutions, necessitating a return to their core attributes [4]. - The development path should consider the impacts on both inclusiveness and safety, with a focus on reform measures that promote this balance [4][5]. - The return to core attributes can leverage community ties and local advantages to enhance service quality and risk management [5][6]. Group 4: Strategies for Improvement - Encouraging rural financial institutions to return to their core attributes involves addressing risk issues from the source and enhancing community engagement [7]. - Policies should support the retention and expansion of branch networks, particularly in underdeveloped areas, to strengthen community connections and inclusive service delivery [7]. - Rural financial institutions should also innovate by providing non-financial services and participating in community development to enhance their embeddedness in local communities [7].

近期，在中国人民银行广东省分行指导下，南方都市报社、湾财社开启"中国普惠金融行"广东银行业普 惠金融创新实践案例征集和推广活动。活动获得百余家广东银行业金融机构积极响应和参与，共收到百 余家机构提交的139个创新案例，涵盖"普惠金融数智转型""普惠型供应链金融"和"区域特色普惠金 融"三大方向。 2025年7月，南方都市报普惠金融深调研小组启动"中国普惠金融行"系列深调研，足迹遍及长三角地 区、中部地区和西南地区等全国多个核心区域，实地走访了包括商业银行、消费金融公司在内的十余家 代表性金融机构，系统梳理了当前我国普惠金融在服务模式、产品创新等方面的前沿实践与显著成效。 作为本次大会的重要一环，凝结实地调研精髓的《中国普惠金融行创新深调研报告(2025)》也将正式发 布。 来自广东省内外的高校专家、专业机构代表和媒体代表组成评审团，按照7大维度对申报案例进行了逐 项打分。依据专家评审的量化得分，综合考量参评机构的规模等情况，并结合相关建议与共识，主办方 最终评选出30个优秀案例，其中，普惠金融数智转型优秀案例10个，普惠型供应链金融优秀案例5个， 区域特色普惠金融优秀案例15个。 这30个获奖案例来源广泛，涵 ...

Group 1 - The core concept of inclusive finance is linked to the public's aspiration for a better life and the overall economic development, serving as a vital connection for promoting common prosperity [1] - The 2023 Central Financial Work Conference has established "inclusive finance" as one of the five major themes in finance, with the State Council's implementation opinions outlining the goal of building a high-level inclusive financial system [1] - Jiangsu has made significant strides in high-quality development of inclusive finance, focusing on "maintaining volume, improving quality, stabilizing prices, and optimizing structure" [1] Group 2 - Jiangsu has established a team of over 10,000 "financial advisors" to deliver financial knowledge directly to rural areas, helping farmers identify financial fraud and choose suitable loan products [1] - The province has implemented a "whole village credit" model, creating credit files for approximately 9.5 million rural households, achieving full coverage of credit rating for rural operating entities [1] - The loan approval process has been streamlined from a lengthy procedure to a quick "instant arrival" experience, with major agricultural financial institutions visiting 58,000 clients and providing loans totaling 14.7 billion yuan [1] Group 3 - In serving small and micro enterprises, Jiangsu has innovated a combination model of "bank + government" and "service specialists + financial advisors" [2] - The "thousand enterprises and ten thousand households" outreach initiative has engaged with 4.52 million business entities, resulting in a cumulative new credit of 3.5 trillion yuan and loan disbursements of 2.3 trillion yuan [2] - As of the end of Q3 this year, the balance of inclusive loans for small and micro enterprises in Jiangsu reached 4.11 trillion yuan, a year-on-year increase of 13.41%, while the balance for private enterprises exceeded 8 trillion yuan, growing by 8.5% [2]