易纲强调，"普惠金融具有较强的社会效益，政府部门往往会提供一定的政策和财务支持，这是普惠金 融发展的重要助力，要把支持性的资金配置向最需要支持的普惠方向。例如，财政政策通过财政贴息、 贷款损失分摊机制、政策性融资担保公司等，激励金融机构扩大弱势群体金融服务。结构性货币政策是 中央银行通过建立激励相容机制，运用优惠利率再贷款或激励资金，激励和引导金融机构将金融资源配 置到特定领域。在政策支持方面，最核心的问题是如何把握好政策支持的力度，有效防范道德风险，确 保市场仍然发挥资源配置的基础性作用。" 经济观察网9月25日，中国金融学会理事会会长、中国人民银行原行长易纲在"2025中国普惠金融国际论 坛"上表示，普惠金融在中国有着悠久的历史与实践，从20世纪30年代的信贷合作社到现代的金融体系 改革，普惠金融一直是国家战略的重要组成部分，旨在为各社会阶层提供可负担的金融服务，特别是对 普通老百姓日常生活的(如存、贷、汇、移动支付等)金融服务，以及支持"三农"、小微企业和个体工商 户。商业可持续性是动员金融机构和社会资本服务普惠金融的关键，也是金融机构创新的前提。 ...

Core Viewpoint - Nine Chinese companies, including Aibo Green, Qingmin Digital Technology, and others, have collectively updated their prospectuses to advance their listing processes on NASDAQ or NYSE, indicating a renewed trend of Chinese enterprises seeking to go public in the U.S. market, particularly in sectors like technology services, consumer supply chains, and fintech [1][2][3] Group 1: Company Composition - The nine companies represent diverse sectors, showcasing the multi-faceted vitality of the Chinese economy during its industrial upgrade, categorized into three main groups: - Technology and Digital Services: Companies like Qingmin Digital Technology and Wodetong focus on digital transformation needs, enhancing efficiency in sectors like automotive aftermarkets and cross-border logistics [1] - Consumer and Supply Chain: Firms such as JM Group and Kangbeit are involved in critical aspects of the consumer supply chain, including high-end packaging and cross-border supply chain integration [2] - Services and Finance: Companies like Beta Financial and Monkey Tree are oriented towards service sectors, including fintech and vocational training, addressing market skill gaps and promoting green development [3] Group 2: Motivations for U.S. Listing - The collective move towards the U.S. market is driven by three main considerations: - Financing and Valuation: The U.S. market offers a more accommodating environment for innovative companies, particularly those with high growth potential, allowing for attractive valuation opportunities [4] - Internationalization: Listing in the U.S. enhances brand influence and facilitates global resource access, crucial for companies aiming to expand overseas [4] - Asset Allocation: U.S. listings enable shareholders to diversify their assets globally, mitigating risks associated with market volatility [4] Group 3: Trends and Challenges - The push by these nine companies reflects a new trend of Chinese enterprises "going global," while also highlighting several challenges: - Core Trends: The emphasis on high growth potential is evident in both technology service firms and consumer supply chain companies, aligning with U.S. investors' focus on long-term growth logic [5] - Challenges: Companies face stringent disclosure requirements, potential delays due to market conditions, and the need to effectively communicate their business models and competitive advantages to attract institutional investors [6]

9月15日，中国银行淄博分行与人保财险淄博市分公司、人保寿险淄博中心支公司签署全面战略合作协 议，标志着银保合作迈入深度融合、协同发展的新阶段。 "人保集团与中国银行有着广泛的合作基础和良好的合作条件，今天三方签订全面战略合作协议，拉开 合作序幕，既是关系的进一步深化，更是推动工作融合发展的生动实践。"中国银行淄博分行主要负责 人表示，中国银行拥有百年历史积淀，是国内持续经营时间最长、全球化和综合化程度最高的大型国有 商业银行。中国银行淄博分行作为中国银行驻淄金融机构，坚持以服务地方经济社会发展为己任，引灌 金融"活水"，增进民生福祉，提升服务质效，连续两年本外币贷款新增超50亿元，市场份额每年提升超 1%。此次，三方将充分发挥各自优势，在公司金融、普惠金融、个人金融等各领域开展深入合作，构 建客户共享、优势互补、共赢发展的合作模式，为淄博市高质量发展贡献力量。 "这不仅是强化联动、深化交流，开展更深层次合作的重要起点，也是双方全力服务全市经济社会发展 的具体实践。"人保财险淄博市分公司主要负责人表示，下一步将重点锚定构建全周期、本地化金融服 务生态，紧密围绕乡村振兴战略，深度融入地方政府"粮食安全、产业升级 ...

金融集市启幕 多维宣传发力 传递金融服务理念 趣味互动引市民参与 2025年9月15日，"金融教育宣传周"启动仪式在北京举行，邮储银行北京分行积极参与其中的金融集市 环节。活动连续三日在西城区金融街购物中心广场门口开展，与二十余家金融机构一同面向路过市民普 及金融知识、介绍普惠金融服务。 家住附近的付阿姨体验了邮储银行北京分行推出的"宝葫芦智斗金融陷阱"互动游戏后连连称赞，该游戏 需参与者垫脚伸手摘取高处葫芦，通过抽取葫芦内的问答题学习金融常识，让她直呼"新奇又好玩"。现 场，市民还能体验"火眼金睛识骗局""狐仙的'风险'投壶"等另外五个定时轮换的"童年回忆"沉浸式互动 游戏：或化身"葫芦小英雄"抽取问题卡识破金融陷阱，或挥动"金箍棒"戳破"骗局迷雾"题板判断诈骗情 景，在趣味体验中感受"学金融、懂金融、用金融"的良好氛围。 金融教育需贴近市民 筑牢安全防线 "随着金融产品日益丰富，提升公众金融素养、防范金融风险已成为守护民生福祉的重要举措。"业内专 家表示，金融机构开展宣传活动时，可以多用市民喜闻乐见的形式传递知识。邮储银行北京分行将金融 常识融入"童年回忆"互动游戏，把普惠服务理念植入线下展台，既拉近了金 ...

Core Viewpoint - Bank of Communications reported a high-quality performance in the first half of 2025, achieving growth in both revenue and profit despite industry-wide pressure from narrowing interest margins, making it the only state-owned bank to do so [2][9]. Group 1: Financial Performance - In the first half of 2025, the bank achieved a net interest income of 85.247 billion yuan, a year-on-year increase of 1.2% [2][9]. - The bank's total operating income reached 133.368 billion yuan, up 0.77% year-on-year, while net profit attributable to shareholders was 46.016 billion yuan, reflecting a 1.61% increase [9]. - The bank's interest income was 213.961 billion yuan, a decrease of 6.17% year-on-year, indicating challenges in the interest income segment [11]. Group 2: Asset Quality and Risk Management - As of June 2025, the bank's non-performing loan (NPL) ratio was 1.28%, down 3 basis points from the end of the previous year, with corporate loans showing a significant decline in NPL ratio [14]. - The bank disposed of 37.8 billion yuan in non-performing loans in the first half of 2025, a 27.9% increase year-on-year, indicating proactive risk management [14]. - The bank's provision coverage ratio improved by 7.62 percentage points to 209.56%, enhancing its risk-bearing capacity [16]. Group 3: Strategic Focus Areas - The bank emphasized its commitment to serving the real economy, with total customer loans reaching 9 trillion yuan, a growth of 5.18% from the beginning of the year [3]. - In the technology finance sector, the bank established 23 technology-focused branches in Shanghai and provided over 27 billion yuan in equity investments for tech enterprises [5]. - The bank's green loan balance exceeded 870 billion yuan, reflecting its commitment to supporting sustainable development [6]. Group 4: Digital Transformation - The bank revised its digital finance action plan until 2027, aiming to enhance the adaptability and inclusiveness of its digital financial products [7]. - As of June 2025, the bank's loans to the core digital economy sectors exceeded 286 billion yuan, with internet loans growing by 8.52% year-on-year [7]. Group 5: Market Engagement and Infrastructure - The bank established partnerships with 60 major municipal projects and 118 district-level projects, enhancing its integration into the Shanghai financial market [8]. - The bank achieved over 488 billion yuan in "Bond Connect" transactions and over 491 billion yuan in "Swap Connect" transactions, indicating strong market engagement [8].

中国经济网北京9月12日讯(记者田云绯)2025年中国国际服务贸易交易会于9月10日至14日在北京举行，北京银行（601169）通过创新展览展示、深化合作交 流、丰富观众体验等举措，全方位参与并支持服贸会。 在展厅外，北京银行连续第三年在数字人民币大道布展，以"数币生态.悦享京彩"为主题，围绕"数字人民币+消费场景"，打造"数币万花筒"沉浸式市集空 间，设置数字人民币消费、业务宣传推广等"数币生态触点"，为观众们打造了体验数字人民币支付便利的开放空间，助力数字人民币应用推广。 自2021年起，北京银行已连续五年参与服贸会。从提供专属金融服务通道到定制化融资方案，从精心搭建专题展位到举办特色主题论坛，北京银行不断提升 服务水平和品牌影响力。北京银行表示，将继续依托服贸会这一重要平台，以金融创新为驱动，以服务实体经济为宗旨，为首都高质量发展与全球服务贸易 繁荣贡献更多"京行力量"。 为增强观众的参与感和体验感，北京银行在展区融入大量硬科技元素，打造沉浸式科技创新体验空间。观众可以通过多种数智交互形式，体验科技金融、绿 色金融、普惠金融以及聚焦民生领域的医疗、养老、社保、人才等金融服务，亲身感受数字技术如何让金融服 ...

Core Viewpoint - Weihai Bank focuses on enhancing financial service quality and efficiency while promoting social value creation alongside economic growth [1] Group 1: Green Finance - The bank established a dedicated Green Finance Department to conduct in-depth industry research and promote distinctive green finance development [1] Group 2: Inclusive Finance - Weihai Bank is exploring a "batch, scenario, and grid" service model to improve the coverage and precision of financial services, benchmarking against industry leaders [1] Group 3: Technology Finance - A Technology Finance Department was set up at the head office to innovate "investment-loan linkage" business scenarios and accelerate the exploration of new technology finance development models [1] Group 4: Digital Finance - The bank initiated the second phase of its digital transformation project to enhance digital marketing capabilities and intelligent risk control levels [1] Group 5: Pension Finance - Weihai Bank is enhancing its service capabilities for the elderly demographic to meet the growing financial service needs of this group [1] Group 6: Strategic Deployment - The bank is committed to deepening its strategic deployment of the "Five Major Articles" while ensuring steady performance growth, aligning its growth with social value creation [1]

Core Viewpoint - Shanghai Bank is positioned at the "starting point of a positive cycle" with improvements in asset quality, capital levels, and management practices, indicating a transition into a new management cycle and potential for valuation alignment with leading city commercial banks [1]. Financial Performance - As of June 30, 2025, Shanghai Bank's total assets reached CNY 32,937.14 billion, a 2.08% increase from the previous year [2]. - The bank's customer loans and advances totaled CNY 14,369.84 billion, up 2.22% year-on-year [2]. - Total deposits increased by 4.17% to CNY 17,813.66 billion [2]. - For the first half of 2025, operating income was CNY 273.44 billion, a 4.18% increase, while total profit reached CNY 159.65 billion, up 4.20% [2]. - Net profit attributable to shareholders was CNY 132.31 billion, reflecting a 2.02% growth [2]. Asset Quality and Capital Levels - The non-performing loan (NPL) ratio remained stable at 1.18%, unchanged from the previous year [3]. - Core Tier 1 capital adequacy ratio improved by 0.43 percentage points to 10.78%, while the total capital adequacy ratio reached 14.62%, also up by 0.41 percentage points [3]. Investor Returns - The mid-term dividend payout ratio for 2025 was increased to 32.22%, marking a 1.00 percentage point rise [5][26]. - The bank has consistently raised its cash dividend ratios over the past three years, indicating a commitment to returning value to shareholders [5][27]. Business Development - Shanghai Bank is focusing on technology finance, with a 13.67% year-on-year increase in technology loan disbursements, totaling CNY 927.81 billion [30]. - Inclusive finance initiatives saw a 7.59% increase in loan disbursements, amounting to CNY 909.77 billion [32]. - Green finance loans increased by 3.88% year-on-year, reaching CNY 440.77 billion [35]. Strategic Initiatives - The bank is actively supporting the "Five Major Articles" of finance, enhancing its service capabilities in technology finance, inclusive finance, green finance, and elderly finance [23][44]. - Shanghai Bank is also involved in the integration of the Yangtze River Delta region, with a focus on major projects and infrastructure investments [17]. Market Position - Shanghai Bank ranked 66th in the "2025 Global Bank 1000" list by The Banker magazine, reflecting its growing stature in the banking sector [4]. - The bank's asset management for pension clients reached CNY 5,128.16 billion, with a market share leading in the Shanghai region [39].

乘着全国工商联和中国银行出台服务民营企业"走出去"工作方案的"东风"，中国银行广东省分行（下称"广东中行"）携手广东省工商业联合会（下称"省工 商联"）举办本场交流活动，通过"融资+融智"为民营企业"走出去"提供更有力度、更具温度的普惠金融支持和配套服务。 活动上，广东中行资深风险经理庞辉致辞表示，广东中行已为全省超19万家民营企业提供贷款支持，贷款余额近6000亿元。下阶段，将进一步加强与省工商 联的全方位合作，共同打造信贷融资支持、供需对接撮合、小微培育成长等合作机制，助力民营企业跑出发展"加速度"。 中国银行广东省分行与广东省1 广东省进出口商会签署 8月20日下午，汇聚工商联、商会、协会、银行等多方合力的"护企扬帆 商拓四海|中银综合化-融资融智南粤行"交流活动在广州南沙顺利举行，超百家民营 企业及商协会代表参加。 活动现场，广东中行与广东省民营经济国际合作商会、广东省进出口商会签署了友好合作备忘录；中国银行广东自贸试验区南沙分行与广州市南沙区工商联 签订了战略合作协议，多方携手为小微民营企业搭建集各方资源的供需对接服务平台。 据介绍，广东中行与省工商联自2016年建立战略伙伴关系以来，开展了广泛、深 ...

8月7日，潍坊银行第五届惠农节在昌邑市石埠经济发展区、青州市黄楼街道花都社区同步启动，公益志愿服务、银村党建共同体签约、整村授信签约等特色 活动，让金融服务的温度直达乡村；在潍坊城区，潍坊银行的"悦动邻里节"通过文艺演出、惠民摊位等市民喜闻乐见的形式，将专业金融服务融入市井生 活。这一城一乡的热闹场景，正是潍坊银行践行"金融为民"初心，以"城市+乡村"双轮驱动，打造金融服务新生态的生动写照。 夜幕初垂，潍坊银行第五届惠农节文艺汇演在村民们的热切期盼中正式拉开帷幕。文化搭台，金融唱戏，防诈小品让村民会心一笑，理财知识随着歌舞悄然 入心。除了文艺演出，看望敬老院老人、与困难学生结对子等志愿服务活动也早已经成为惠农节的固定节目。整个惠农节将持续4个月，走进1000余个村 庄，以寓教于乐的方式，把普惠金融服务送到田间地头，让金融"活水"真正浸润乡村沃土。 其间，潍坊银行持续推动金融服务下沉，惠农金融服务队深入农村农户，进行防范非法集资、电信诈骗等金融知识普及，提高农民群众的安全意识和金融素 养，提供现金取款、代理缴费、信贷融资等一揽子金融服务，真正做到金融下乡"零距离"，惠民服务暖人心。潍坊银行还构建了"惠农消费商圈 ...