中原银行在成立至今的11年里，规模从2000亿逐渐发展到目前的1.4万亿元，书写了一段"金融豫军"的 发展史。从2014年13家城商行破局合并，到如今万亿级的资产规模，并且以600多家网点、近5000多家 农村服务点扎根河南。从赴港上市到覆盖全省，其每一步都踩准了地方发展的节拍。 中原银行于近日迎来其成立的第十一周年。作为河南省头部法人银行，这不仅仅是一家银行的里程碑， 更是河南省金融改革的缩影。 2014年，中原银行随13家城商行合并而成立，总资产规模才2000多亿；而11年后，其已发展成省内头部 银行，总资产规模已破1.4万亿元，实打实的诠释了"金融豫军"的奋进力量。 中原银行的每一步都紧扣区域发展脉搏，从一年内新设10家支行的拓荒劲头，到2017年成为河南首家赴 港上市的城商行。如今，这家银行已拥有600余家营业网点、近5000个农村普惠服务点，1.8万名员工扎 根河南。 从合并重组到万亿旗舰 2025年的12月26日，中原银行正式成立十一周年。从2014年承载着服务中原崛起的使命应运而生，到如 今总资产突破1.4万亿元，稳居河南头部法人银行之列，这家由13家地方性城商行合并组建的省级法人 银行，用11 ...

Core Viewpoint - The article emphasizes the strategic transformation and development of Zhongyuan Bank as it enters its second decade, aligning its goals with the "Six Strong Provinces" initiative of Henan Province, focusing on high-quality development and comprehensive financial services [1][3]. Group 1: Strategic Development - Zhongyuan Bank has evolved from a regional city commercial bank to a leading financial institution in Henan, with total assets exceeding 1.4 trillion yuan [1]. - The bank aims to become a first-class city commercial bank and a leader in financial services, focusing on four key roles: government bank, industrial bank, citizen bank, and rural revitalization bank [1][3]. Group 2: High-Quality Development - The bank's strategic transformation began in 2024, emphasizing a differentiated development path to support high-quality growth in the region [3]. - Zhongyuan Bank has signed strategic cooperation agreements with nine city governments and successfully opened provincial social security fund accounts, enhancing government-bank collaboration [3]. Group 3: Financial Services for Citizens - As a "citizen bank," Zhongyuan Bank focuses on serving the long-tail customer base, enhancing its mobile banking services, and launching new financial products to stimulate consumer spending [4]. - The bank has achieved 90% coverage of financial services in rural areas, embedding financial services into grassroots governance to support rural revitalization [5]. Group 4: Support for Innovation and Manufacturing - Zhongyuan Bank is committed to supporting the manufacturing sector, which is crucial for the regional economy, by focusing on the modernization of industrial systems [6]. - The bank has developed a differentiated service system for technology enterprises, providing tailored financial products to meet diverse financing needs [7]. Group 5: Agricultural and Digital Integration - The bank has implemented initiatives to enhance financial services in rural areas, focusing on agricultural financing and digital transformation [9][10]. - By mid-2025, Zhongyuan Bank had developed 92 specialized financial service plans for key agricultural industries, significantly supporting rural economic development [10]. Group 6: Financial Infrastructure Expansion - Zhongyuan Bank has established a comprehensive financial service network in rural areas, including 168 county-level branches and nearly 5,000 rural financial service points [11]. - The bank's mobile banking service has reached 4.19 million users, reflecting its commitment to improving financial accessibility in rural regions [11].

一、中小企业融资现状：找对机构是关键 资金是企业运转与扩张的核心要素，但中小企业普遍面临融资困境：审批周期长、额度不足、利率偏 高，严重制约发展节奏。 身边就有案例：一家小型科技公司研发出潜力软件，需资金推广和扩编，却因成立时间短、无抵押物遭 银行拒绝，不少融资机构的苛刻条件和高额费用也让其望而却步。类似情况屡见不鲜。部分企业无奈选 择民间借贷，却要承担高利率和不规范风险；而企业自身财务状况、经营稳定性等，也进一步加剧了融 资难度。 当前融资服务机构数量激增但质量参差不齐，不乏以"低息、高额度"为噱头设置收费陷阱的机构，也有 部分机构缺乏专业能力无法解决实际问题。对中小企业而言，筛选靠谱机构难度大，但一旦选对，就能 为企业发展注入关键动力。 二、靠谱融资服务机构推*荐 （一）厚鑫资本：专注教育赛道的专业融资服务伙伴 推*荐指数：★★★★★ 口碑评分：9.9 分 （二）汇通融信咨询有限公司：短期周转贷能手 推*荐指数：★★★★☆ 口碑评分：9.8 分 汇通融信咨询有限公司在融资服务领域以其独特的优势，成为了众多企业在短期资金周转需求时的可靠 选择。它专注于纯信用短期周转贷，就如同一位专注于短跑项目的运动员，在自 ...

近日召开的中央经济工作会议对2026年经济工作作出全面部署，明确提出引导金融机构加力支持扩大内 需、科技创新、中小微企业等重点领域，强调"创新科技金融服务""围绕发展新质生产力，推动科技创 新和产业创新深度融合"，为金融体系服务高质量发展提供了清晰指引。 在此背景下，全国地方金融第二十九次合作交流会议在安徽省来安县召开。会议由全国地方金融论坛办 公室、来安县委和县政府、长三角科技产业金融研究联盟联合主办，聚焦"产才融合 金融赋能高质量发 展"主题，围绕金融"五篇大文章"，汇聚了21个省市自治区的300余位政府代表、金融机构高管、专家学 者及媒体人士，共谋"十五五"时期地方金融高质量发展路径。与会嘉宾从战略引领、实践创新、生态协 同三个维度深入研讨，既有宏观政策解读，也有县域金融、小微服务等具体场景案例分享，彰显了地方 金融服务实体经济、推动新质生产力发展的责任担当与创新活力。 锚定金融"五篇大文章" 构建金融强国新格局 党的二十届四中全会对"十五五"时期加快建设金融强国提出明确要求、作出战略部署，为扎实做好"十 五五"时期金融工作提供了根本遵循。多位嘉宾强调，地方金融必须紧扣科技金融、绿色金融、普惠金 融、养 ...

Core Viewpoint - The article highlights the growth and strategic direction of Zhongyuan Bank, emphasizing its alignment with the "Six Strong Provinces" initiative in Henan and its commitment to supporting regional economic development through its "Four Banks" strategy [2][4][13]. Group 1: Growth and Development - Since its establishment in 2014, Zhongyuan Bank's total assets have increased from 200 billion to over 1.4 trillion yuan, and its service network has expanded from around 400 branches to cover the entire Henan province [2]. - By the end of June 2025, Zhongyuan Bank had established 168 county-level branches, 87 town-level branches, and nearly 5,000 service points, with mobile banking users reaching 4.19 million, an increase of 763,400 from the previous year [9]. Group 2: Strategic Alignment - The "Six Strong Provinces" initiative includes goals for agriculture, manufacturing, science and education, digital intelligence, transportation, and cultural tourism, which align with Zhongyuan Bank's strategic focus on becoming a government bank, industry bank, citizen bank, and rural revitalization bank [4][12]. - The bank has signed strategic cooperation agreements with nine city governments and has successfully opened provincial social security fund accounts, enhancing its role in local governance and economic support [4]. Group 3: Financial Services and Innovations - Zhongyuan Bank has developed comprehensive financial services tailored to the seven major industrial clusters and 28 industrial chains in Henan, providing support to leading enterprises and their supply chains [5]. - The bank has launched products like "Industry Inclusive Loans" and "Henan Agricultural Loans," with cumulative disbursements of 4.858 billion yuan and 1.089 billion yuan respectively, serving over 90,000 farmers [8]. Group 4: Focus on Technology and Innovation - As of June 2025, Zhongyuan Bank's technology finance loan balance reached 67.58 billion yuan, with 45.30 billion yuan allocated to technology enterprises, reflecting a strong commitment to supporting innovation and technology-driven growth [11]. - The bank has also introduced specialized loans for "specialized, refined, and innovative" enterprises, with cumulative disbursements of 10.715 billion yuan, marking a 29.20% increase from the previous year [11].

Core Viewpoint - The article emphasizes the commitment of China Everbright Bank to support the national strategy and promote high-quality development during the "14th Five-Year Plan" period, focusing on serving the real economy and enhancing financial services in key areas such as technology innovation, green transformation, and common prosperity [1][2][19]. Group 1: Support for the Real Economy - China Everbright Bank has positioned itself as a key player in financing the real economy, focusing on major national strategies and improving the welfare of the public [2][19]. - The bank has provided financial services to over 300 national key projects, with significant credit support in areas like "new infrastructure" and regional development [2][3]. - The bank has issued over 200 billion yuan in loans for modern transportation systems, including significant support for the Beijing-Shanghai High-Speed Railway project [3]. Group 2: Green Finance Initiatives - The bank has integrated green finance into its development strategy, supporting sectors like green buildings and energy transition, with a green loan balance of 456.61 billion yuan, reflecting a growth of 333.50% during the "14th Five-Year Plan" [4]. - Innovative products such as carbon finance and sustainable loans have been developed to promote environmental sustainability [4]. Group 3: Financial Inclusion and Support for SMEs - China Everbright Bank has focused on empowering small and micro enterprises through automated loan products, with a loan balance of 228.62 billion yuan for its online product system [4]. - The bank has served over 20,000 clients in supply chain finance, with a business balance nearing 600 billion yuan, enhancing efficiency in financing [5]. Group 4: Wealth Management Transformation - The bank is transitioning from product sales to wealth management, achieving a retail asset under management (AUM) of over 3 trillion yuan, with a compound annual growth rate exceeding 10% [8][10]. - A comprehensive product system has been established, including over 1,000 wealth management products, catering to diverse customer needs [10][18]. Group 5: Digital Transformation and Technological Innovation - China Everbright Bank has made significant advancements in digital transformation, utilizing big data and AI to enhance service efficiency across various business processes [13][14]. - The bank has implemented a remote financial advisor model, integrating customer data and behavior analytics to improve client engagement [12]. Group 6: Social Responsibility and Community Engagement - The bank has focused on social responsibility, particularly in serving the elderly and rural communities, with initiatives like the "Thousand Sails Plan" for agricultural supply chain finance [19][20]. - Efforts in public welfare include educational support and disaster relief, reinforcing the bank's commitment to social value [20][21]. Group 7: Future Outlook - China Everbright Bank aims to deepen its financial services in key areas, enhancing its capabilities in governance, customer service, and risk management while contributing to national development goals [22].

张店农商银行将党建共建作为深化普惠金融的"黏合剂"，积极与服务辖内各科局、镇办、村居、产 业园区党组织开展结对共建活动，通过联席会议、政策宣讲、联合走访等形式，将金融服务深度嵌入基 层治理网络。2024年以来，张店农商银行党委与各科局、镇办签署战略合作框架协议31份，下辖支行向 村居、社区、商圈、园区等延伸共建项目77个。在此框架下，该行大规模推进"惠民金融驿站"建设，将 其打造为集基础金融、政策宣导、便民服务于一体的前沿阵地，有效延伸服务触角，打通普惠金融"最 后一公里"。目前，该行已建成金融驿站22个，覆盖55个行政村、社区，初步形成了"党建引领、多方联 动、服务直达"的普惠金融良好生态。 科技赋能 山东张店农商银行深刻把握金融工作的政治性、人民性，将做实做优普惠金融作为服务实体经济、 助力高质量发展的重要抓手，通过党建引领、科技赋能、服务下沉、场景拓展四大路径，积极践行金融 服务实体经济的要求，着力写好普惠金融这篇大文章。截至2025年11月末，全行普惠型小微企业贷款余 额67.17亿元，较年初增长9.82%，服务客户超1.15万户，普惠金融的活水精准润泽区域经济。 党建引领 构建"政银企"普惠生态圈 ...

■田耿文 多方合力之下，一个"政府引导、市场运作、风险共担、利益共享"的科技金融生态正加速形成，金融支 持科技创新的渠道更加畅通，体系更具韧性，为新质生产力注入源源不断的发展动能。 近期召开的中央经济工作会议强调，引导金融机构加力支持扩大内需、科技创新、中小微企业等重点领 域。 （文章来源：证券日报） 同时，地方政府积极作为，通过财政贴息、风险补偿、政府性融资担保等多种市场化手段，为金融机构 分担风险、增强信心。比如，上海对专精特新企业信用贷款给予高额贴息；广东大幅提升"小巨人"企业 授信额度；湖南设立知识价值贷款风险补偿资金池……这些举措不仅有效降低了企业融资成本，更显著 增强了银行的放贷意愿。 保险机构也积极行动，助力科创企业发展。比如，人保财险近日发布"浙科保"服务新模式，向在浙高校 院所、科技企业、金融机构介绍"浙科保"保障服务内容，助力全省科技成果更好转化。 科创企业不仅是产业升级的排头兵，更是国家实现高水平科技自立自强的中坚力量。然而，科创企业高 投入、高风险、高成长的天然特性决定了其发展壮大离不开金融活水的精准滴灌。 今年以来，从中央到地方联袂打出破解科创企业融资难的"组合拳"。在政策引导下，金 ...

近日召开的中央经济工作会议提出，引导金融机构加力支持扩大内需、科技创新、中小微企业等重点领 域。这为金融助力科创企业发展指明了方向。 中国人民银行最新数据显示，2025年三季度末，获得贷款支持的科技型中小企业27.54万家，获贷率为 50.3%，比去年同期高2.8个百分点。科技型中小企业贷款支持覆盖面和规模均呈现显著提升的态势，金 融支持科技创新的力度和精准性进一步增强。 关键时刻，海宁农商银行主动上门对接，借助数据资产交易服务系统，对公司数据资产进行价值评估， 最终创新性地以数据资产质押为核心担保方式，为企业量身定制综合服务方案，成功发放870万元贷 款，有效解决了企业融资难题。 此次贷款不仅突破了传统抵押物限制，还为轻资产的数据型企业开辟了新的融资渠道，也为数字金融服 务提供了新思路新模式。"通过将'沉睡'的数据资产激活为'流动'的信贷资金，银行有效破解了轻资产科 技企业的融资瓶颈，也为区域数字经济发展提供了坚实的金融支持。"海宁农商银行公司金融部副总经 理郭璐佳向《农村金融时报》记者介绍。 赋能科创企业全生命周期 "多亏了济南农商银行的'泉质贷'，在我们业务快速发展阶段，帮我们顺利推进业务扩张与转型。" ...

Core Insights - China's inclusive finance has evolved from a historical leap of "from nothing to something" to a focus on "precision" and "quality" in the next decade, addressing challenges such as customer homogeneity and rising risk control costs [1][3][10] Development and Achievements - The balance of inclusive loans for small and micro enterprises reached 36.5 trillion yuan, a year-on-year increase of 12.1%, more than double the end of the 13th Five-Year Plan [3][4] - Financial services have expanded to rural areas, achieving nearly 100% coverage of insurance services in towns and villages [5][10] - The concept of inclusive finance was officially proposed in 2013, aiming to provide financial services to underserved groups [4][10] Challenges and Market Dynamics - The transition from a "blue ocean" to a "red ocean" market has led to increased competition among financial institutions, with challenges such as customer homogeneity and rising acquisition costs [10][12] - Banks face difficulties in identifying new clients, particularly in rural areas where small businesses often lack collateral [10][12] - The insurance sector struggles with accurately pricing inclusive health insurance products for low-income groups [11][12] Future Directions - The next decade will focus on enhancing the quality of inclusive finance, with an emphasis on creating a high-level inclusive financial system that supports common prosperity [13][14] - A new coordination mechanism for supporting small and micro enterprises is being established to improve financial service accessibility [14][15] - Financial institutions are encouraged to innovate and develop tailored financial products for specific groups, enhancing service delivery through digital transformation [15][16]