新华财经上海2月11日电（记者王淑娟）记者从华瑞银行获悉，截至2025年末，华瑞银行普惠金融贷款 余额较上一年增长22%，全年累计放款近百亿元，服务超过三万户市场主体。 成立于2011年的捞福来合作社，如今已发展成为上海市重要的绿叶菜生产基地。400亩设施菜田、数百 亩果园、1.2万平方米的加工车间——规模扩张的背后，是农业企业典型的资金周转难题。"土地租金、 种子化肥、设备维护都要集中投入，但蔬菜销售回款有周期。"该合作社负责人表示，特别是2025年启 动休闲农业项目后，资金需求更加迫切。 农业企业的资产多在田间地头，传统信贷模式往往难以匹配。华瑞银行基于该合作社的订单情况和经营 数据进行评估，为其提供了信用贷款，用于支付土地租金，采购种子化肥，维护冷链设备等。 华瑞银行相关负责人表示，普惠金融服务的基础已悄然从评估静态的抵押物，转向了洞察企业持续运转 的经营能力——一种基于真实业务脉络的数字化风控与深度陪伴。 声明：新华财经（中国金融信息网）为新华社承建的国家金融信息平台。任何情况下，本平台所发布的 信息均不构成投资建议。 （文章来源：新华财经） 日前发布的2026年中央一号文件将"强化乡村振兴的金融支持 ...

Group 1 - The core point of the article is the leadership change at Shanghai Huari Bank, with Wu Kezhao officially appointed as the chairman after a year-long vacancy, following the resignation of former chairman Cao Tong and several supervisors [1] - Wu Kezhao has a background in finance and management, having previously held various positions in China Unicom and Wenzhou Bank before being appointed as the acting chairman of Huari Bank in April 2025 [1] - Huari Bank, established in May 2015, is the first private bank in Shanghai, focusing on products like supply chain finance and small micro-financing [2] Group 2 - In 2023, Huari Bank reported a 50.76% increase in revenue to 1.463 billion yuan, achieving a net profit of 53 million yuan, a 115.65% year-on-year growth [2] - By the end of 2024, the bank's total assets reached 57.23 billion yuan, an increase of 7.959 billion yuan, marking a 16.15% growth [2] - The bank's personal loans accounted for 84.68% of its total loans by the end of 2024, with a personal loan balance of 30.829 billion yuan [2] Group 3 - Huari Bank has expanded its personal loan business partnerships, increasing the number of collaborating institutions from 85 to 88, including platforms like iQIYI and Kuaishou [3] - The bank has faced compliance issues, receiving multiple fines totaling 7.7976 million yuan in 2025 for various regulatory violations [9][10] - The bank's deposit scale grew from 25.496 billion yuan at the end of 2022 to 40.676 billion yuan by the end of 2024, while total loans and advances increased from 25.11 billion yuan to 36.408 billion yuan [13]

近日，上海华瑞银行披露2024年年报。数据显示，至2024年末，总资产规模为572.30亿元，较年初上升 16%；全年实现营业收入20.67亿元，较上年增加6.04亿元；净利润2.21亿元，同比增加1.68亿元。不良 贷款率1.65%，比年初下降0.01个百分点。流动性风险、信用风险等各大主要风险指标均符合监管要 求。 年报指出，在复杂多变的金融市场环境下，上海华瑞银行紧密围绕国家金融政策导向，坚守"服务实体 经济、服务小微大众"的初心，聚焦普惠金融战略方向，大力推进数字化转型，取得了一系列可圈可点 的成绩，为地区经济发展提供了坚实的金融支撑。 普惠金融创新突破 赋能实体经济发展 上海华瑞银行始终以服务民营和小微企业发展为己任，持续以数字化驱动金融创新，围绕丰富的普惠金 融产品体系，不断提升小微金融服务的可获得性与便利性。2024年，该行高质量完成普惠金融"两增"任 务，普惠信贷计划完成率达到149%。 在普惠创新方面，上海华瑞银行积极探索银政合作新模式，成功落地上海市首例持证抵押登记"全程网 办"业务，实现"不动产抵押登记"与数字金融服务的深度融合，为优化营商环境树立了金融创新样本。 该项目荣获上海市同业公 ...