证券时报记者 孙璐璐 近年来，作为金融"五篇大文章"之首，科技金融在政策支持下快速发展，仅相关贷款余额就连续多年保持双位数 增长；截至2025年11月末，我国科技贷款余额高达44.8万亿元，同比增长11.5%。证券、担保、创投、保险等其他 金融领域也在加码赋能科技创新，科技金融不再是单一金融领域的"单打独斗"，各类政策"攥指成拳"，服务科技创 新的金融生态圈不断壮大。 金融支持性政策推出的背后，既有来自对金融、科技行业痛点的回应，也离不开两会代表委员躬身调研一线，推 动完善政策组合拳。2024年，全国人大常委会将"大力发展科技金融，推动高水平科技自立自强"列为重点督办建 议，由人民银行承办。人民银行协助全国人大财经委相关负责人赴广东调研，共同研究优化金融服务赋能科技创 新、培育科创金融生态体系的举措。 在充分调研并采纳代表政策建议的基础上，央行会同科技部等部门在当年先后出台《关于扎实做好科技金融大文 章的工作方案》《关于做好重点地区科技金融服务的通知》（下称《通知》）。其中，《通知》聚焦加快推进重 点地区率先构建适应科技创新的科技金融体制，探索投贷联动、并购贷款、科技保险等科技金融新业务模式，建 立科技金融数 ...

当前，我国经济已转向高质量发展阶段，面临科技创新突破、绿色低碳转型、民生保障提质、数字经济 深化等多重任务，单一领域的金融支持已难以适配复杂的发展需求，也无法充分发挥金融在资源配置中 的核心作用。立足"十五五"新发展阶段，做好金融"五篇大文章"，必须跳出"单兵突进"的思维定式，着 力实现政策协同、资源协同、服务协同，才能形成"1+1>2"的集成效应。 "十五五"时期是推进中国式现代化、加快建设金融强国的关键阶段，更是金融服务实体经济高质量发展 的攻坚时期。日前，中国人民银行召开2026年信贷市场工作会议，明确提出进一步完善金融"五篇大文 章"各项机制，落实好结构性货币政策工具增量政策，加强与财政政策协同，为开局之年信贷投放划定 清晰路径，也为进一步做好金融"五篇大文章"提供了重要政策指引。 做好科技金融、绿色金融、普惠金融、养老金融、数字金融"五篇大文章"，既是深入落实党的二十届四 中全会部署的必然要求，也是深化金融供给侧结构性改革、防范化解金融风险、加快建设金融强国的重 要举措。 从实践意义来看，金融"五篇大文章"精准对接了我国经济高质量发展的重点领域和薄弱环节，是"十五 五"时期将金融优势转化为发展胜势的 ...

Core Viewpoint - Xiamen Bank's 2025 performance report indicates a return to positive growth in profitability and a steady development trend under the guidance of the new management's "2+3" five-year strategic plan [1] Group 1: Financial Performance - In 2025, Xiamen Bank achieved total operating revenue of 5.856 billion yuan, a year-on-year increase of 1.69% [2] - The total profit reached 2.768 billion yuan, up 1.18% year-on-year, while net profit was 2.750 billion yuan, reflecting a 1.64% increase [2] - The bank's total assets reached 453.099 billion yuan by the end of 2025, growing by 11.11% compared to the previous year [2] - The total amount of loans and advances increased significantly by 18.39% to 243.247 billion yuan, enhancing its core position in credit assets [2] Group 2: Asset and Liability Management - Xiamen Bank's total liabilities reached 418.814 billion yuan, an increase of 11.56% year-on-year, with total deposits growing by 13.75% to 243.613 billion yuan [2] - The bank's non-performing loan ratio remained stable at 0.77%, maintaining a strong risk buffer with a provision coverage ratio of 312.63% [3] Group 3: Strategic Focus and Growth Areas - The bank is enhancing its competitive edge by focusing on its unique strengths, particularly in serving Taiwanese clients, with a 23% increase in Taiwanese customer numbers and a 19% increase in Taiwanese enterprise clients [4] - Xiamen Bank is actively aligning with national strategies, particularly in green development and technological innovation, with green loans and technology loans growing by 68.55% and 44.55% respectively [4] Group 4: Shareholder Returns - The basic earnings per share reached 0.90 yuan, a year-on-year increase of 1.12%, while the weighted average return on equity was 9.05% [5] - The net asset value per share for common shareholders increased by 3.50% to 10.06 yuan, indicating a solid capital foundation for future growth [5] Group 5: Overall Outlook - Xiamen Bank's 2025 performance reflects a robust recovery in operational performance through expansion, structural optimization, and deepening of unique strengths, positioning the bank for continued profitability and enhanced core competitiveness [5]

厦门银行日前发布2025年度业绩快报。截至2025年末，该行总资产4530.99亿元，较上年末增长 11.11%。其中，贷款及垫款总额2432.47亿元，较上年末上升18.39%，占总资产比例较上年末提升3.31 个百分点。绿色、科技贷款余额较上年末分别增长68.55%与44.55%。 厦门银行日前发布2025年度业绩快报。截至2025年末，该行总资产4530.99亿元，较上年末增长 11.11%。其中，贷款及垫款总额2432.47亿元，较上年末上升18.39%，占总资产比例较上年末提升3.31 个百分点。绿色、科技贷款余额较上年末分别增长68.55%与44.55%。 盈利方面，2025年，该行实现营业收入58.56亿元，同比增长1.69%；实现归母净利润26.34亿元，同比 增长 1.52%；基本每股收益0.90元，同比增长1.12%。该行加权平均净资产收益率连续四年下降，2022 年至2025年，分别为11.38%、11.20%、9.36%、9.05%。 资产质量方面，截至2025年末，该行不良贷款率0.77%；拨备覆盖率312.63%。据金融监管总局数据， 2025年三季度，商业银行这两项指标分别为1. ...

Core Viewpoint - The meeting held by Guangfa Bank emphasizes the implementation of the "333 strategy" and the importance of high-quality development, while also focusing on strengthening party leadership and risk management [2][3][4]. Group 1: Meeting Overview - The meeting took place on January 30-31, 2026, in Beijing, focusing on the work summary of 2025 and the deployment of key tasks for 2026 [1]. - Key figures present included Cai Xiliang, Chairman of China Life Group, and Lin Chaohui, Vice President of China Life Group and Secretary of Guangfa Bank [1]. Group 2: Achievements in 2025 - Guangfa Bank made significant progress in high-quality development, with personal comprehensive AUM exceeding 1 trillion yuan and a good growth trend in corporate loans [2]. - The bank's asset quality improved, with both the non-performing loan balance and rate continuing to decline [2]. Group 3: Strategic Focus for 2026 - The bank aims to enhance political leadership, value creation, and risk prevention while pushing for high-quality development [2][3]. - 2026 is identified as a critical year for the bank's transformation and development, with a focus on implementing the "333 strategy" and achieving a strong start to the "15th Five-Year Plan" [3]. Group 4: Party Leadership and Compliance - The meeting highlighted the importance of strengthening party leadership and implementing strict governance measures to support high-quality development [4]. - Continuous efforts will be made to combat corruption and enhance the supervisory and disciplinary framework within the bank [4].

存款方面，存款规模持续扩大。12月末，辽宁省金融机构人民币存款余额8.72万亿元，比年初增加3170亿元。分部门看，住户存款和非金融企业存款余额 分别是6.62万亿元和1万亿元。 记者提问 科技贷款作为金融"五篇大文章"之一备受关注，请介绍下科技贷款增长情况。 人民银行辽宁省分行 调查统计处副处长 洪银玉 1月30日，人民银行辽宁省分行召开2026年一季度新闻发布会，介绍2025年度辽宁省金融运行主要情况。 2025年,人民银行辽宁省分行坚持执行适度宽松的货币政策，灵活高效运用多种货币政策工具，金融支持实体经济工作迈出更加坚实的步伐，全省金融运 行向好发展。 一是金融总量较快增长。2025年，全省社会融资规模增量3482亿元，为近七年同期最高。新增企业债券融资373亿元，为近九年同期最高。人民币各项贷 款余额5.32万亿元，比年初增加1219亿元，为近三年同期最高，有效满足了实体经济融资需求。 二是新增企（事）业单位贷款创近五年同期最高。2025年末，企（事）业单位贷款余额3.87万亿元，全年新增贷款1538亿元，是2021年以来的最高点，为 企业生产经营提供强有力的资金保障。 三是住户经营性贷款实现两位数增 ...

Group 1: Popular Industry Research - The most researched industries from January 26 to January 30, 2026, are electronics, machinery, basic chemicals, and pharmaceutical biology, with electronics and machinery receiving the highest attention in the past five days [10][12] - Over the past 30 days (December 31, 2025, to January 30, 2026), the most researched industries are machinery, electronics, pharmaceutical biology, and basic chemicals, with machinery and computers having the most research institutions [13][14] Group 2: Popular Company Research - In the past five days, the companies with the most research occurrences and more than 10 institutional ratings are Jiemai Technology, Ice Wheel Environment, and Zhou Dazheng [17][19] - Over the past 30 days, the companies with the most research occurrences and more than 10 institutional ratings include Daikin Heavy Industry, Jiangsu Bank, and Naipu Mining Machinery [22][23] Group 3: Key Company Research Summary 1. **Shanghai Bank** - The focus of the research is on strategic planning and shareholder returns, with a new five-year development plan approved, emphasizing technology finance with a loan balance exceeding 187.05 billion [26] - The asset quality remains stable, with credit focus on key regions and retail ecosystems, and a commitment to maintain cash dividends of no less than 30% annually from 2025 to 2027 [26][27] 2. **Liugong** - The research highlights significant growth in core business, with domestic demand for earth-moving machinery rebounding and overseas sales of electric loaders doubling [29] - The company expects a profit increase of 15% to 25% for the year, despite short-term impairment impacts, and is advancing its overseas manufacturing layout [29][30] 3. **Jiemai Technology** - The focus is on the domestic substitution of electronic film materials and capacity expansion, with high-end release films achieving stable supply and certification from major domestic and international clients [31] - The Tianjin base is expected to start trial production in the first quarter of 2026, enhancing supply chain resilience [31][32]

Core Viewpoint - Xiamen Bank reported preliminary financial data for the year 2025, indicating stable growth in assets and profits, alongside a strong focus on risk management and customer service [1][7][8]. Financial Data and Indicators - Total assets reached CNY 453.10 billion, an increase of 11.11% from the previous year [7] - Total loans and advances amounted to CNY 243.25 billion, up 18.39%, representing a 3.31 percentage point increase in the proportion of total assets [7] - Total liabilities were CNY 418.81 billion, growing by 11.56%, with total deposits at CNY 243.61 billion, a rise of 13.75% [7] - Earnings per share attributable to ordinary shareholders increased to CNY 10.06, reflecting a growth of 3.50% [7] Operating Performance - Operating income for 2025 was CNY 5.86 billion, a year-on-year increase of 1.69% [8] - Net interest income reached CNY 4.19 billion, up 4.66% [8] - Total profit amounted to CNY 2.77 billion, with a net profit of CNY 2.75 billion, reflecting increases of 1.18% and 1.64% respectively [8] Asset Quality - The non-performing loan ratio stood at 0.77%, maintaining a good level of asset quality [9] - The provision coverage ratio was 312.63%, indicating strong risk mitigation capabilities [9]

（厦门银行） 资产质量方面，截至2025年末，厦门银行不良贷款率0.77%，维持良好水平；拨备覆盖率312.63%，风 险抵补能力保持充足。 1月28日，厦门银行发布的2025年度业绩快报显示，2025年度，该行实现营业收入58.56亿元，同比增长 1.69%，其中，实现利息净收入41.91亿元，同比增长4.66%；实现利润总额27.68亿元，同比增长 1.18%；实现净利润27.50亿元，同比增长1.64%；实现归属于上市公司股东的净利润26.34亿元，同比增 长1.52%。 截至2025年末，厦门银行总资产4530.99亿元，较上年末增长11.11%，其中，贷款及垫款总额2432.47亿 元，较上年末上升18.39%，占总资产比例较上年末提升3.31个百分点。服务实体经济质效双升，绿色、 科技贷款余额较上年末分别增长68.55%与44.55%；台商金融特色优势进一步扩大，台胞客户数、台企 客户数较上年末分别增长23%与19%。总负债4188.14亿元，较上年末增长11.56%，其中，存款总额 2436.13亿元，较上年末增长13.75%，占总负债比例较上年末提升1.13个百分点；归属于上市公司普通 股股东 ...

Core Viewpoint - The financial operation in Sichuan province for 2025 is stable, providing a suitable monetary environment for high-quality economic development [1] Financial Overview - As of December 2025, the total balance of deposits in Sichuan reached 146,344 billion yuan, a year-on-year increase of 9.1%, surpassing the national growth rate by 0.1 percentage points; deposits increased by 12,202 billion yuan throughout the year, with an additional 1,040 billion yuan compared to the previous year [2] - The total balance of loans in Sichuan reached 129,983 billion yuan by December 2025, with a year-on-year growth of 10.5%, exceeding the national growth rate by 4.3 percentage points; loans increased by 12,398 billion yuan over the year, with an additional 603 billion yuan compared to the previous year [2] Targeted Financial Support - By November 2025, loans in key areas identified by the financial "five major articles" reached 44,455 billion yuan, growing by 15.0% year-on-year; this accounted for 47.0% of the total loan increase during the same period [3] - Infrastructure sector loans increased by 9.2% year-on-year, with an annual increase of 2,350 billion yuan, representing 23.8% of the total increase in medium and long-term loans [3] - Loans to small and micro enterprises in the inclusive finance sector grew by 11.8%, with loans under 10 million yuan increasing by 20.5% [3] Loan Interest Rates - In December 2025, the weighted average interest rate for newly issued corporate loans and inclusive small micro loans was 3.96% and 3.92%, respectively, down by 22 and 28 basis points year-on-year, remaining at historically low levels [4] - The overall financing cost index for enterprises and the bank loan interest rate index were 44.2% and 43.2%, respectively, both lower than the average for the past five years [4] Loan Structure Characteristics - The current credit allocation in Sichuan shows distinct structural and directional characteristics, summarized as "new, precise, and green" [5] - "New" indicates a focus on credit directed towards technology innovation and advanced manufacturing, with technology loans growing by 13.5% year-on-year [5] - "Precise" refers to targeted financial support for small micro enterprises and agriculture, with inclusive small micro loans growing by 11.8% [5] - "Green" signifies a sustained focus on credit for clean energy and environmental protection, with green loan balances increasing by 22.1% year-on-year [6] Future Financial Strategies - The People's Bank of China Sichuan Branch plans to enhance efforts to utilize the latest optimized policies to support more technology-oriented small and medium enterprises and equipment renewal projects [7] - The recent fiscal policy for equipment renewal loan interest subsidies will be actively coordinated with relevant departments to ensure timely benefits for market participants [7]