商报讯（记者 苗露）2025年，是"十四五"规划收官之年，也是浙江高质量发展建设共同富裕示范区的 关键之年。记者从中国人民银行浙江省分行、国家外汇管理局浙江省分局联合召开的新闻发布会上获 悉，去年，全省金融系统坚决贯彻党中央、国务院决策部署，落实总行总局、省委省政府工作要求，认 真执行适度宽松的货币政策，统筹推进金融"五篇大文章"，不断深化区域金融改革，积极助力高水平对 外开放，有力支持了浙江经济稳中有进、向新向好。浙江金融多项核心指标位居全国前列，金融服务实 体经济质效显著提升。 2025年，全省金融机构本外币贷款余额25.69万亿元，同比增长8%，增速高于全国1.8个百分点，比年初 新增1.91万亿元，增量居全国第二位；全省社会融资规模新增2.90万亿元，同比多增2552亿元，增量居 全国前列。同时，推动政策利率下调向市场利率传导，发挥利率自律机制作用。2025年12月份，新发放 企业贷款利率为3.17%，处于历史低位。 做好金融"五篇大文章"，是金融服务实体经济高质量发展的重要抓手。截至2025年11月末，浙江全省金 融"五篇大文章"贷款余额12.8万亿元，同比增长10.9%，占全国比重为11.9%。 ...

Core Viewpoint - The People's Bank of China (PBOC) will implement a moderately accommodative monetary policy in 2026, focusing on promoting high-quality economic development and reasonable price recovery, while maintaining ample liquidity and relatively loose financing conditions [1][2]. Monetary Policy Predictions - The PBOC is expected to lower the reserve requirement ratio (RRR) 1-2 times in 2026, releasing long-term liquidity of 1-2 trillion yuan, and reduce interest rates by 10-25 basis points, with a higher probability of lowering the 5-year Loan Prime Rate (LPR) [2]. - The target for social financing costs is to maintain them at historically low levels, with the average interest rate for new corporate loans around 3% [2]. - Social financing and M2 growth rates are expected to align with economic growth (around 5%) and price level targets (around 2%), with an average asset growth rate of about 8% across industries [2]. Impacts on Different Types of Banks Large State-owned Commercial Banks - Expected to increase new loans by approximately 15 trillion yuan, with a focus on key sectors [3]. - Net interest margin is projected to be around 1.4%, as the decline in funding costs is expected to exceed the decline in asset yields [3]. - Anticipated growth in bond underwriting income and wealth management scale by over 10% due to strong comprehensive financial service capabilities [3]. - Non-performing loan (NPL) ratio is expected to drop below 1.2% [3]. Joint-stock Banks - Anticipated growth in technology and green finance loans by around 20% due to high marketization and product innovation capabilities [4]. - Net interest margin is expected to decline to below 1.5% [4]. - Digital transformation is expected to accelerate, with online credit approval rates reaching 80% [4]. - New customer acquisition is expected to increase significantly, with innovative products like "computing power loans" being introduced [4]. Urban Commercial Banks - Expected loan growth in local key industries and small businesses by around 20% [5]. - Net interest margin is projected to be between 1.4% and 1.5% [5]. - Anticipated growth in inclusive finance loans by around 15% [6]. - Digital service capabilities are expected to improve, with online channel coverage reaching 90% [6]. Rural Small Banks - Expected growth in agricultural and small business loans by around 15% [7]. - Anticipated reduction in funding costs, with the reserve requirement ratio dropping to around 4.5% [7]. - Policy support for inclusive finance is expected to increase by 30% [7]. - NPL ratio is projected to decrease to around 2.5% [7]. Challenges Faced by Different Types of Banks Large State-owned Banks - Facing pressure from narrowing net interest margins due to competitive pricing from large clients [8]. - Digital transformation efforts may be hindered by organizational complexity [8]. - High risk concentration in real estate and local government debts [8]. Joint-stock Banks - Expected further narrowing of net interest margins due to high funding costs [9]. - Capital replenishment pressure is significant, with an estimated need for 800 billion yuan [9]. - Risk control capabilities will be tested due to the high-risk nature of technology finance [9]. Urban Commercial Banks - Anticipated decline in net interest margins, with some nearing 1% [10]. - Increased liquidity risk due to high reliance on central bank funding [10]. - Digital transformation may lag behind due to insufficient investment [10]. Rural Small Banks - Weak risk control capabilities may lead to higher NPL ratios [11]. - Expected decline in net interest margins, with some nearing 1% [11]. - Digital transformation challenges due to small scale and lack of professional talent [11]. Differentiated Response Strategies - Large state-owned banks should focus on comprehensive financial services and enhance their role as policy transmission hubs [13]. - Joint-stock banks should strengthen their competitive advantages in technology and green finance [14]. - Urban commercial banks should deepen their local market presence and enhance digital services [15]. - Rural banks should focus on serving rural revitalization and enhance their financial service capabilities [16]. Summary and Outlook - The PBOC's accommodative monetary policy presents opportunities for total expansion, structural optimization, and profit enhancement for the banking sector, while also posing challenges such as narrowing net interest margins and risk management [17]. - Different types of banks should adopt differentiated strategies based on their strengths and characteristics to navigate the evolving landscape [18].

齐鲁晚报·齐鲁壹点记者 尚青龙 通讯员 韩通川 光刻设备的细微光束雕琢芯片肌理，智能机械臂的精准运转串联制造脉络，生物实验室的精密仪器孕育 农业新篇，新能源厂房的流水线涌动绿色动能……"10+1"现代产业体系各赛道生机盎然，勾勒出产业能 级跃升、经济质效双优的鲜活发展图景。中国银行青岛市分行（以下简称"青岛中行"）紧扣城市产业脉 搏，立足集团综合化、全球化优势，将金融活水精准滴灌产业根系，在先导产业突破、新兴产业崛起的 浪潮中，成为青岛产业高质量发展的坚定护航者，助力青岛描绘出"10+1"现代产业体系"点"上突 破、"廊"上聚集、"面"上协同的高质量发展画卷。 深耕产业"脉"：厚植创新发展金融沃土 "10+1"产业体系是构筑现代产业优势的核心支撑，是激活经济活力、提升城市能级的关键引擎。产业 兴，则城市兴。青岛中行紧扣"10+1"产业40个细分赛道布局，坚持"一链一策、一企一方案"，将金融资 源精准投向智能装备、绿色能源等重点领域，全力构建全方位产业金融服务体系。 制度筑基，精准护航成长路。锚定"10+1"现代产业体系企业发展痛点，依托总行专项管理办法，理顺权 责链条、优化审批效能，创新推出科技金融专属授信模 ...

Core Viewpoint - The Agricultural Bank of China Guangxi Branch has launched an "AI + Finance" initiative aimed at establishing itself as a leading brand in AI-driven financial services by 2030, with a financial support target exceeding 80 billion yuan for the AI industry in Guangxi, focusing on ASEAN markets [1][2]. Group 1: Initiative Overview - The initiative will focus on integrating AI with financial services through a structured approach involving a main line, dual empowerment, three application scenarios, four major projects, five systems, and six actions [1][2]. - The bank aims to leverage Guangxi's geographical advantages to create a distinctive "AI + Finance" brand, promoting a replicable financial service model for ASEAN [1]. Group 2: Financial Services and Products - The initiative will provide differentiated financial services across the entire AI industry chain, introducing innovative products like "Guangxi AI Loan" and "Computing Power Loan" [2]. - The focus will also include smart cross-border settlement and investment services targeting ASEAN markets, alongside applications in smart agriculture and rural digital finance [2]. Group 3: Development Strategies - The bank plans to implement four major projects, including building a financial data sharing platform, advancing smart risk control technologies, and participating in cross-border AI financial development [2]. - Five systems will be established to drive financial service transformation, including smart credit, smart risk control, smart channels, smart operations, and smart services [2]. Group 4: Recent Achievements - As of the end of October, the Agricultural Bank of China Guangxi Branch led its peers in both deposit and loan growth, becoming the first bank in the region to exceed 100 billion yuan in technology loans [3].

Core Insights - The event highlighted Jiangsu Bank's commitment to serving the local economy and its role as a leading city commercial bank in supporting regional development [1][2]. Group 1: Local Engagement - Jiangsu Bank's Shanghai branch emphasized its deep-rooted connection to Jinshan District, with Vice President Zhu Hailin sharing personal experiences that reflect the bank's understanding of local economic changes [2]. - The bank aims to align its financial resources with the development strategies of Shanghai and Jinshan, focusing on injecting financial momentum into the region's transformation [2]. Group 2: Tailored Financial Solutions - Jiangsu Bank has developed a diversified credit system that moves away from traditional collateral reliance, with real estate-backed loans now accounting for less than 10% of its portfolio [3]. - The bank offers specific solutions for challenges faced by technology-driven enterprises, such as "Talent Sci-Tech Loans" and knowledge property pledges, which help reduce financing costs through alignment with local policies [3]. - Online supply chain financial products like "e-Rongdan" are designed to convert accounts receivable into efficient financing tools without affecting the credit of core enterprises [3]. Group 3: Industry Cluster Support - Jiangsu Bank is focusing on providing financial services at the industry cluster level, conducting in-depth research to understand the unique financial needs of various sectors [4]. - The bank has launched specialized financial products tailored to specific industry clusters, such as "G60 Sci-Tech Loan" and "Computing Power Loan," to support innovation in key sectors like drones and health technology [4]. - The bank's service framework is designed to match the financial support with the development cycles and asset characteristics of the industries in Jinshan [4]. Group 4: Performance Metrics - Since its establishment, Jiangsu Bank's Jinshan branch has served over 300 enterprises, with a credit scale exceeding 1.5 billion yuan, demonstrating significant success in supporting specialized and innovative technology companies [5]. - The bank's approach illustrates how a financial institution can achieve high-quality development while fulfilling its mission to serve the real economy through deep regional engagement [5].

Core Viewpoint - Hubei Province is actively developing its artificial intelligence (AI) industry, aiming to create a comprehensive development system driven by technological innovation and supported by a robust industrial base and digital infrastructure [1][2] Group 1: Industry Development - Hubei's AI industry scale is projected to reach 110.7 billion yuan in 2024, with a compound annual growth rate of nearly 40% over the past five years [2] - As of January to September this year, the industry scale has already exceeded 110 billion yuan, marking a year-on-year growth of nearly 30% [2] - The province is home to 1,215 AI companies, a 49% increase from the previous year, including 40 listed companies and 120 national-level "little giant" enterprises [2] Group 2: Infrastructure and Talent - Hubei has established 12 provincial-level manufacturing innovation centers and 87 major innovation platforms in the AI field [1] - The "Ten-Hundred-Thousand" talent initiative has attracted 21 academicians in AI-related fields and trains over 5,000 professionals annually [1] - The province is implementing a "61020" initiative to tackle six major foundational research projects, ten key core technologies, and develop 20 flagship products each year [1] Group 3: Future Plans and Financial Support - Hubei plans to optimize its policy environment, break through core technologies, and deepen integrated applications to build a nationally influential AI innovation hub [2] - Financial institutions have introduced innovative financial products like "data loans" and "computing power loans," providing support to 126 companies [2] - The province aims to enhance its role as a strategic support point for the rise of the central region of China [2]

Core Insights - The company, Wuhan Digital Communication Engineering Co., Ltd. (referred to as "Digital Transmission Group"), successfully obtained a loan of 400,000 yuan through a 500,000 yuan computing power leasing contract, becoming the first beneficiary of the "Computing Power Loan" in Hubei [1][2] - The "Computing Power Loan" is an innovative financial product launched by Bank of China to support technology-driven enterprises, particularly those benefiting from artificial intelligence subsidies and requiring high-performance computing services [2] Company Overview - Digital Transmission Group specializes in providing digital technology services for the publishing industry and has a growing demand for computing power, with a monthly increase of 10% in computing power purchases [1][2] - The company's computing power costs account for approximately one-third of its research and development expenses, highlighting the importance of computing resources in its operations [2] Industry Context - The artificial intelligence industry in Wuhan is experiencing an annual growth rate of 30%, with over 1,000 related enterprises [2] - As of the end of September, Bank of China Hubei Branch has supported various entities in the artificial intelligence industry with a credit balance exceeding 10 billion yuan, assisting 253 enterprises [2]

Core Viewpoint - The internationalization of enterprises is a crucial engine for the high-quality development of China's economy, with financial support being key for companies to "go global" [1] Group 1: Financial Support for Internationalization - Beijing Bank emphasizes high-level openness as a strong driving force for high-quality development and efficient financial services [1] - The bank focuses on a collaborative model of "big ship guiding, small ship following, and financial escort" to support enterprise internationalization [1] - New financial products and services, including "AI+" service plans and strategic cooperation agreements with various companies, have been launched to enhance financial service efficiency for global expansion [1] Group 2: Emphasis on Technological Innovation - Beijing Bank has identified serving new quality productivity as a key development direction, enhancing AI applications in the fintech sector [2] - The bank has launched the "Science and Technology Radar" evaluation system to quantify the innovation capabilities of enterprises [2] - A comprehensive approach integrating commercial banking, investment banking, and private banking resources is being adopted to support convenient financing for enterprises [2] Group 3: Strategic Initiatives for New Quality Productivity - The bank proposes three major initiatives: prioritizing technology finance, focusing on industry-specific strategies, and fostering an ecosystem for resource and service integration [3] - It aims to enhance collaboration across various sectors, including government and investment institutions, to strengthen the ecosystem supporting new quality productivity [3] - The bank is committed to creating a unified service model that integrates technology finance with other financial services [3]

Group 1 - The 2025 China International Service Trade Fair (CIFTIS) is being held in Beijing with the theme "Digital Intelligence Leading, Service Trade Renewed," highlighting financial services as a key focus [2][4] - The "Jingfan Navigation, Financial Support for Collaborative Innovation Development" conference showcased experiences from specialized enterprises in the Beijing-Tianjin-Hebei region regarding technology and product internationalization [2][3] - Financial services are positioned as a crucial support for enterprises' internationalization, with Beijing Bank launching several financial service plans to assist companies in going global [4][6] Group 2 - The financial industry is a core pillar of Beijing's economy, playing an essential role in stimulating innovation and nurturing new productive forces [4][6] - Beijing Bank introduced the "Artificial Intelligence+" service plan and other specialized financial services aimed at supporting high-quality enterprise development [4][6] - Financial institutions are developing a comprehensive service system to support enterprises in expanding into international markets, including tailored financing solutions and professional services [7][8] Group 3 - The conference featured presentations from specialized enterprises, such as Beijing Titanium Technology, which introduced an "automotive smart skin" solution based on elastic wave technology [3][5] - The event emphasized Beijing's role as a hub for international cooperation and its established relationships with over 30 capitals and key cities along the Belt and Road [3][4] - The financial sector in Beijing is characterized by a high concentration of financial elements, with the city serving as a central financial management hub [4][6]

Core Insights - The conference "Jing Fan Yin Hang, Rong Tong Chu Hai" focused on financial support for enterprise collaborative innovation and development, emphasizing the importance of multi-business synergy and industry-finance collaboration [1][2] Group 1: Financial Services and Innovation - Beijing Bank aims to enhance its international financial services, focusing on a collaborative model that includes "large ships leading, small ships following, and financial protection" to support enterprises going global [1][2] - The bank introduced the "Artificial Intelligence+" service plan, which includes specialized financial products such as "Computing Power Loan" and "Jing Zhi Risk Avoidance" to support innovation in technology enterprises [3] Group 2: Collaborative Efforts and Industry Development - The partnership between Beijing Bank and Beijing Broadcasting Television aims to foster new productive forces and contribute to the construction of an international science and technology innovation center, with a focus on deepening cross-industry cooperation [1][2] - The conference highlighted the significance of promoting cross-sector collaboration among government, banks, and enterprises to explore new financial empowerment models for the real economy [2]