中原沃土，文脉绵长；金融聚力，破茧启航。十一年前，河南金融豫军以破茧之势完成国内规模最大的城 商行重组，中原银行应势启航，并以"中原"之名承载区域金融崛起的期许。 从2014年创立到2025年奋进，一组组跃升的数据，勾勒出跨越的足迹：总资产从初建时的2000亿元，到如今已 突破1.4万亿元大关；营业网点从最初400余家逐步铺展，构建起覆盖河南全省域的服务网络…… 当时间指针指向2025年岁尾——"十四五"规划收官与"十五五"新程启幕的关键节点，中原银行也迎来了开启第 二个十年的重要时刻。站在新的历史方位，该行锚定河南"六个强省"目标、践行"两高四着力"要求，以"四个 银行"战略为抓手，与区域实体经济同频共振，用金融担当作答 "何以中原"的时代命题。 与经济同向发力，重塑华夏强省 岁月为韵，大地为台。 河南既是地理上的九州腹地，更是文化上的华夏根脉：盘古开天、女娲造人、仓颉造字等古老传说在这里代代 相传，甲骨文镌刻了文明密码，千年文脉滋养这片中原厚土。 来时路，承载了太多辉煌；未来路，正续写新的篇章。 2025年11月，河南省委十一届十次全会明确指出，"十五五"时期将是河南扬长补短、全面崛起的关键阶段，并 提出 ...

Core Insights - Guangdong Province is a leading region in China for consumer activity, with a retail sales total of approximately 3.43 trillion yuan in the first three quarters of 2025, reflecting a year-on-year growth of 2.8% [1] - The financial sector plays a crucial role in supporting consumption, as outlined in the "Guangdong Financial Support for Consumption Expansion Action Plan" [1] - The People's Bank of China Guangdong Branch has implemented a "Four Ones" mechanism to enhance financial services in the consumption sector [1][2] Financial Support Mechanisms - A comprehensive work plan has been established to strengthen policy guidance, targeting four consumer groups and launching six special actions to improve financial services [2] - The introduction of structural monetary policy tools has increased credit supply, with nearly 30 billion yuan in loans allocated to various consumer sectors since the establishment of specific loan programs [2][4] - A project subject database has been created to facilitate precise matching between financial institutions and market entities, enhancing the efficiency of financing [2][3] Innovative Financial Products - A credit product library has been compiled to promote financial products related to service consumption and the elderly care industry, with extensive outreach efforts to break down information barriers [3] - Financial institutions are encouraged to innovate products tailored to local industry characteristics, such as "潮玩版权贷" and "民宿贷," addressing financing challenges for creative and tourism sectors [3][6] Cost Reduction and Accessibility - Structural monetary policy tools have been effectively utilized to increase loan volumes while reducing financing costs, benefiting various consumer sectors [4][5] - Financial services have been extended to small and micro enterprises, with innovative products like "市民贷" designed to meet the needs of new citizens and rural residents [5] Support for Emerging Consumption Trends - Financial institutions are guided to develop flexible credit products and payment solutions that align with the rapid growth of service-oriented consumption, such as cultural tourism and health care [6][7] - The integration of financial services with smart home and green consumption initiatives has led to the introduction of products like "绿能家装贷" and "新能源汽车消费贷," stimulating demand in these sectors [7] Future Directions - The focus will be on nurturing new consumption growth points, optimizing the use of structural monetary policy tools, and enhancing cross-departmental collaboration to amplify policy effects [8][9] - Financial institutions will be encouraged to extend services to frontline consumption areas, creating engaging financial promotional activities to stimulate offline consumption [9]

专项行动开展仅一个月，银行机构已经完成名录库内企业和商户的走访工作，共向库内企业和商户投放 贷款3.46亿元，其中，23家以旧换新活动商户获贷款4637万元，58家消费品生产和服务提供企业获贷款 3亿元。 "焕新补贴+优惠贷款"双支持，助力市民"轻装换新"。来自鹤山某企业的梁先生打算对自住的房屋重新 装修，购置新的家具家电，正好碰上银行业务人员上门宣传金融链式支持以旧换新专项行动。梁先生对 该行"理想之家·焕新家"信贷产品十分感兴趣，工作人员现场为梁先生制定金额50万元、优惠利率3%的 消费贷款方案。他通过手机银行成功提款30万元，并根据近期采购和工程进度自主支付给家装公 司。"家装家电不仅可以享受国家补贴，还可以使用优惠贷款，我的整体换新成本大大下降了。"梁先生 对于"政策+金融"支持以旧换新消费方式特别满意。 今年4月，在中国人民银行广东省分行的指导下，中国人民银行江门市分行在广东省率先出台金融链式 支持以旧换新专项行动方案，依托以旧换新消费品生产和服务提供企业名录库和以旧换新活动商户名录 库，组织银行机构开展银企对接，取得了积极成效。 江门市某家装公司计划推出"超级厂购节——国补+厂补家具升级活动"，因 ...

下一步，中国人民银行广东省分行将根据市场需求情况，不断优化政策资金投放模式，为广东经济高质 量发展注入更多政策动能。 今年以来，中国人民银行广东省分行通过设立100亿"焕新贷"支农支小再贷款专项额度，引导广东金融 资源聚集优化消费供给，激发消费活力。截至6月末，已累计发放"焕新贷"支农支小再贷款100亿元，带 动金融机构向消费品制造和服务消费领域投放信贷资金465亿元。 （文章来源：广州日报） 7月16日，广州日报全媒体记者从中国人民银行广东省分行获悉，今年以来，中国人民银行广东省分行 全力贯彻适度宽松的货币政策，创设"三个100亿""粤科融""焕新贷""粤贸贷"支农支小再贷款、再贴现 专项额度，加大对科创、消费、外贸等重点领域的信贷支持，持续赋能广东新质生产力动力升级。2025 年至今，中国人民银行广东省分行设立的"三个100亿"支农支小再贷款、再贴现专项额度带动金融机构 向科技、消费、外贸三大重点领域发放贷款929亿元，在助力广东新质生产力加速发展方面发挥了积极 作用。 今年以来，中国人民银行广东省分行累计发放"粤贸贷"支农支小再贷款50亿元，带动金融机构向外贸领 域投放信贷资金100亿元。金融机构表示， ...

Core Viewpoint - Guangdong is positioned as a leading region for technological innovation in China, with a focus on establishing an international technology innovation center in the Guangdong-Hong Kong-Macao Greater Bay Area, emphasizing the importance of a high-quality financial system to support technological innovation [1][2]. Policy Initiatives - The People's Bank of China Guangdong Branch has collaborated with the Guangdong Provincial Science and Technology Department to issue implementation opinions aimed at deepening the integration of technology and finance, focusing on venture capital and various financial support measures [2]. - Specific policies include the "15 Measures for Technology Finance" and the "31 Specific Measures for High-Quality Development of Technology Finance," which aim to enhance financial resource allocation to key areas of technological innovation [2]. Financial Support and Innovation - Guangdong has introduced the first limited recourse supply chain bill discounting business in the country, increasing support for first-time loans to technology SMEs, and establishing three special loan quotas of 100 billion yuan each for various sectors [3]. - By April 2025, 1,585 projects were included in the technology transformation and equipment update list, with signed loan contracts amounting to 177.2 billion yuan and 42.5 billion yuan disbursed [3]. Financing Channels - The Guangdong branch has facilitated the issuance of technology innovation bonds, with a total issuance scale of 4.8 billion yuan from technology enterprises and investment institutions [4]. - Efforts to broaden cross-border financing channels include pilot programs for Qualified Foreign Limited Partners (QFLP) and cross-border capital pools, with 12 fund management companies in Nansha Free Trade Zone obtaining QFLP pilot qualifications, amounting to approximately 28.4 billion yuan in investment [4]. Service Models and Product Innovation - The Guangdong branch has introduced innovative service models such as the "Win-Win Plan for Enterprises" and "Equity Loan Guarantee Lease" to address the financing needs of technology enterprises throughout their lifecycle [5][6]. - New financing products have been developed for different stages of technology enterprises, including "Technology Talent Loans" and "Technology R&D Loans," which consider talent and R&D investment as key credit factors [6]. Future Directions - The Guangdong branch plans to enhance financial support for major national technology tasks and SMEs, focusing on policy tool reinforcement, product and service innovation, and multi-party collaboration to deepen the integration of technology and finance [7][8].

作 者丨唐婧 编 辑丨包芳鸣 图 源丨图虫 随着美国宣布对所有贸易伙伴征收"对等关税"，市场正密切关注中国货币政策的应对之策。两 大焦点问题尤为引人关注： 一是央行此前多次提及的"择机降准降息"何时落地实施；二是新 的结构性货币政策工具何时推出 。 近日，《人民日报》发布评论员文章《集中精力办好自己的事 增强有效应对美关税冲击的信 心》。文章指出，未来根据形势需要，降准、降息等货币政策工具已留有充分调整余地，随时 可以出台；财政政策已明确要加大支出强度、加快支出进度；将以超常规力度提振国内消费， 加快落实既定政策，并适时出台一批储备政策；以实实在在的政策措施坚决稳住资本市场，稳 定市场信心，相关预案政策将陆续出台。 4 月 8 日 早 间 ， 中 国 人 民 银 行 新 闻 发 言 人 就 支 持 中 央 汇 金 公 司 稳 定 资 本 市 场 答 记 者 问 ， 其 表 示，中国人民银行坚定支持中央汇金公司加大力度增持股票市场指数基金，并在必要时向中央 汇金公司提供充足的再贷款支持，坚决维护资本市场平稳运行。 多名受访人士告诉记者，目前来看，降准降息的落地时点仍需平衡汇率、长债利率、 银行息差等多重因素，而 ...