呼ねれ1 夕阳刀午又1丁 民营企业和中小微企业高质量发展 邮储银行普惠型小微企业贷款余额 1.75元7 8012.47亿元 2020年 (截至9月 " 规划建议提出, 开开 加快农业农村现代化,扎实推进乡村全面振 十四五"期间, 我国农业农村现代化稳步向前 / 172 2025年 2020年 as 全国农作物耕种收综合机械化率 邮储银行深耕"三农"沃土, 助力农业农村现代化发展 1.41万亿元 2020年 邮储银行涉农贷款余额 本:1112 JU 十五五" 规划建以负 "加大保障和改善民生力度,扎实推进全体人民共同富 "十四五"期间, 我国民生福祉达到新水平 4134 47 全国居民人均可支配收) 20243 20210 邮储银行不断延伸服务触角, 以高质量金融服务助力人民美好生活 6.74亿产 6.22亿产 2020年 (截至6月末) 邮储银行服务个人客户数 FFD HD 27 The 五年,能抵达怎样的高度? 2025年,"十四五"规划即将圆满收官 "十五五"新征程蓄势待发 站在承前启后的关键节点 让我们一同回望"十四五"实干硕果 展望"十五五"发展新图景 下一 规划建议提出, "没现代化产业体系,| 巩 ...

邮储银行科技贷款余额 == 中国邮政储蓄银行 | © © C = 南方财经全媒体集团 21世纪经济报道 | 20 21财经 - 1955 FED + :55 | 11 27 1 规划建议提出 "十五五 "建设强大国内市场,加快构 ple 四五"期间, 我国消费市场量质齐升 我国社会消费品零售总额 邮储银行持续优化金融供给, 4:15,9 促进消费提质升级 4419 4576 2020年 邮储银行个人其他消费贷款 = 中国邮政储蓄银行 | C 南方财经全媒体集团 21世纪经济报道 21 21财经 高增 经济油花 "十五五" 规划建议提出, "加快构建高水平社会主义市场经济体制, 增强高质量发展动力" -四五"期间, 我国经营主体活力不断释放 我国登记在册经营主体数 2024 邮储银行多措并举支持 民营企业和中小微企业高质量发展 邮储银行普惠型小微企业贷款余额 1.7 8012.47亿元 2020年 号 中国邮政储蓄银行 | 《 © © C 南方财经全媒体集团 21世纪经济报道 | 20 21财经 官 Postal Savines BANK of CHINA | �ll � Southern Finance Me ...

2025年12月28日，徽商银行迎来成立二十周年的重要日子。二十年风雨兼程，二十年春华秋实。自成立以来，徽商银行始终坚守"金融为民"初心，深入践 行金融工作的政治性与人民性，坚持党建引领，突出主责主业，充分发挥自身禀赋优势，以改革为笔、以创新为墨，用真情和汗水谱写了一部与地方经济 共生共荣、与社会民生温暖同行的奋斗华章。 一、应改革而生：以担当服务发展 彰显绿色金融"品牌力"，建立多层次、广覆盖的绿色金融产品谱系，成为国内首批签署《银行业金融机构支持生物多样性保护共同宣示》的商业银行，绿 色信贷余额近1600亿元，以金融力量守护绿水青山成为江淮大地最美的底色。 深耕普惠金融"责任田"，用心呵护每一个创业梦想，民营企业贷款余额达2550亿元；授信1000万元以下普惠小微贷款余额超1700亿元，小微金融服务监管 评价为安徽省法人银行最高等次，小微企业信贷政策导向效果评估为安徽省银行业金融机构最高等次；为近10万个体工商户提供超650亿元资金支持，助 力个人经营主体纾困解难、蓄力发展。 打好乡村振兴"组合拳"，涉农贷款余额超2000亿，县域贷款规模近3000亿元，服务县乡居民约650万户，连续多年获评省直单位定点帮 ...

Core Viewpoint - The recent Central Economic Work Conference emphasizes the need to deepen the reduction and quality improvement of small and medium-sized financial institutions in China, addressing weaknesses in credit asset quality and risk prevention while enhancing their service to the real economy's high-quality development [1][2]. Group 1: Reform and Integration of Small and Medium-sized Banks - The integration reform of small and medium-sized banks has accelerated this year, with various regions adopting measures such as mergers and introducing strategic investors to optimize local financial institutions [2][3]. - Experts believe these reforms effectively address issues like excessive numbers of institutions, small scales, and severe homogenized competition, thereby improving credit asset quality and the ability to serve the real economy [2][3]. - The regulatory framework supports these reforms, with the National Financial Supervision Administration emphasizing tailored reform plans for different regions, utilizing various methods such as mergers and market exits [2][3]. Group 2: Challenges in Reform Implementation - Despite the progress, challenges remain due to varying economic development levels across regions, including high historical burdens, weak corporate governance, excessive local government intervention, and a shortage of skilled personnel [3][4]. - The need for a differentiated reform path is highlighted, with recommendations for local governments to establish supportive policies and funding mechanisms while avoiding excessive interference [4]. Group 3: Focus on Agricultural Financing - Small and medium-sized financial institutions have increased their agricultural loan supply, with rural financial institutions holding approximately 7.2 trillion yuan in inclusive agricultural loans as of Q3 this year [5][6]. - These institutions play a crucial role in serving local farmers and small enterprises, leveraging their understanding of local industries and credit conditions [5][6]. - Regulatory policies emphasize the importance of maintaining a focus on agricultural financing to support rural revitalization strategies, with various regions enhancing their credit supply to meet local agricultural needs [6][7]. Group 4: Risk Management and Governance - The core of the reduction and quality improvement strategy is not merely to reduce the number of financial institutions but to enhance internal governance and risk control through mergers and restructuring [8][9]. - The financial system has seen a significant reduction in high-risk institutions and assets, with many provinces achieving a "dynamic clearing" of high-risk small institutions [8][9]. - Continuous monitoring and support mechanisms are necessary to manage potential risks during the reform process, with a focus on improving corporate governance and establishing effective risk monitoring systems [9][10].

转自：推广 "出淤泥而不染，濯清涟而不妖"，周敦颐《爱莲说》中，荷花的寓意：清廉正直、坚韧不拔、无私奉 献、和谐共生。在四川省盆地东北部，大巴山南麓，中国邮政储蓄银行达州市开江县支行以"荷花"文化 为引领，积极培育和弘扬坚韧、奉献的品格，书写着中国特色金融文化。 荷您邮约 情暖户外劳动者 走进邮储银行开江县支行营业部大厅，"邮爱驿站"标识格外醒目，这是该行联合开江县总工会创建的首 个"邮爱驿站"，曾获得过市总工会高度评价。 在开江团县委的召联下，该行与开江县回龙镇高板桥村"童伴之家"爱心项目结对共建，每到"春 节"、"六一"，都会共同与留守儿童共度节日，并举办跳绳、手工等活动，给予他们关心和支持。支行 工作人员还给留守儿童的爷爷奶奶带去反诈骗知识宣讲，提高反诈意识。通过结队共建工作，让关爱能 传递到留守儿童身上，让正能量陪伴留守儿童健康茁壮成长，并将爱心行为传递下去，让留守儿童及其 家人感受到金融企业、社会的关爱。据统计，结对共建以来，该行为童伴之爱捐赠文体用品、新年礼物 等物质累计10万余元。 2025年7月17日，受开江团县委邀请，该行相关负责人带领职工走进开江县爱心托管营，将专业金融知 识转化为青少年易 ...

中国银行业协会日前发布的报告显示，截至2024年末，全国农村中小银行总资产和总负债分别达 57.91万亿元、53.69万亿元，同比增速6.06%、6.02%，规模扩张更趋稳健。 《全国农村中小银行机构行业发展报告2025》显示，截至2024年末，全国农村中小银行机构各类贷 款余额占总资产比例超55%，信贷主业持续向实体领域聚焦倾斜。 报告认为，作为深耕县域经济、支农支小的农村金融主力军，农村中小银行发展深度绑定区域经济 走势，直接承接外部环境传导影响，在规模增长、需求提振、盈利空间拓展与风险防控等方面均面临显 著压力。国家大力推进乡村全面振兴和城乡融合发展，推出系列定向扶持政策为农村中小银行明晰了发 展方向。农村中小银行通过优化资源配置、创新金融产品与服务模式等，持续推动金融资源向"三农"汇 聚。 数据显示，截至2024年末，农村合作金融机构（资产规模占农村中小银行总量的96%）涉农贷款余 额达13.11万亿元，服务农户近4494万户。同时，围绕金融"五篇大文章"，各机构因地制宜、精准发 力。 深化机构改革方面，截至2025年8月末，已有11家省级联社完成省级法人机构组建。村镇银行方 面，通过吸收合并、股权收 ...

■本报记者 郑长灵 在江西省上饶市广丰区的马家柚种植基地里，漫山遍野的柚树郁郁葱葱，金黄饱满的果实压弯了枝头， 呈现出一派喜人的丰收景象。这一成绩的取得离不开邮储银行上饶市分行的金融支持。 走进广丰区鸡公山种养专业合作社，负责人夏列丰正忙碌地组织农户们采摘、分拣、包装马家柚，他对 《农村金融时报》记者感慨道："今年是马家柚的丰收年，这样的繁忙景象在合作社刚成立时简直不敢 想象。" "多亏了邮储银行及时发放的贷款支持，帮我们解了燃眉之急，助我们走上快速发展之路。"夏列丰感激 地说道。前些年，为积极响应上饶市广丰区大力发展马家柚特色产业的号召，夏列丰联合60多户农户， 承包荒山开始规模化种植马家柚，并成立了合作社。然而，创业之路并非一帆风顺。该合作社成立不 久，便遇到了资金周转的难题。由于农业生产前期投资大、周期长，资金出现缺口，限制了该合作社的 马家柚种植规模和产量提升。 截至目前，该分行涉农贷款余额超162亿元，源源不断的金融活水，正有力助推上饶"三农"事业蓬勃发 展，绘就产业兴、乡村美、农民富的崭新画卷。 在了解到该合作社的情况后，邮储银行上饶市分行迅速启动"绿色通道"，第一时间安排客户经理上门实 地调查， ...

在日常走访中，天津农商银行了解到企业这一紧急需求，迅速组织专人对接，高效完成授信审批流程， 及时提供1500万元的信贷资金，有效保障了企业生产原料的顺利采购，为其产能提升和市场扩张注入了 关键的金融动力。 天津农商银行日前发布信息称，截至2025年三季度末，该行本年累计投放涉农贷款161.92亿元；涉农贷 款余额达344.62亿元，较年初增长43.22亿元，增速14.34%。天津农商银行正以其独特的"金融匠心"，与 万千农户、企业一起，为绘就乡村振兴的壮美画卷贡献强劲金融力量。 在天津市宁河区岳龙镇，一瓶"岳川辣椒酱"承载着百年匠心，也串联起一段金融与产业共荣的佳话。从 1919年成立的岳川酱坊到如今集研产销于一体的天津市岳川食品有限公司（以下简称"岳川食品"），这 家"津门老字号"的传承与壮大，离不开天津农商银行的金融活水。自2014年建立信贷合作关系以来，天 津农商银行不仅与岳川食品先后跻身"津门老字号"阵营，更以金融活水滋养产业根系。 "推开岳川食品车间大门，传承百年的酱香扑面而来，那一刻我就知道，我们支持的不仅是一家企业， 更是一份匠心。"天津农商银行岳龙支行客户经理杨保凯说，"在与企业深入接触中，我 ...

Core Insights - The People's Bank of China reported a rapid growth in inclusive micro loans in 2023, with a balance of 36.09 trillion yuan by the end of Q3, representing a year-on-year increase of 12.2%, which is 5.6 percentage points higher than the growth rate of all loans [1] - The balance of operating loans for individual farmers, with a single credit limit of less than 5 million yuan, reached 9.92 trillion yuan, with an increase of 346.5 billion yuan in the first three quarters [1] - The balance of student loans reached 294.4 billion yuan, showing a significant year-on-year growth of 41.1% [1] Agricultural Loans - The balance of agricultural loans, including both domestic and foreign currency, stood at 53.4 trillion yuan by the end of Q3, reflecting a year-on-year growth of 6.8%, which is 0.3 percentage points higher than the overall loan growth rate [1] - In the first three quarters, agricultural loans increased by 3.28 trillion yuan [1]

Group 1 - The core viewpoint of the article highlights the rapid growth of inclusive microloans in China, with a total balance of 36.09 trillion yuan as of the end of Q3, representing a year-on-year increase of 12.2%, which is 5.6 percentage points higher than the growth rate of all loans [1] - The balance of operating loans for farmers with a single credit limit of less than 5 million yuan reached 9.92 trillion yuan, with an increase of 346.5 billion yuan in the first three quarters [1] - The balance of student loans reached 294.4 billion yuan, showing a significant year-on-year growth of 41.1% [1] Group 2 - Agricultural loans continue to grow, with a total balance of 53.4 trillion yuan in both domestic and foreign currencies as of the end of Q3, reflecting a year-on-year increase of 6.8%, which is 0.3 percentage points higher than the growth rate of all loans [1] - In the first three quarters, agricultural loans increased by 328 billion yuan [1]