宁波中行设立"金融服务驿站"。服务人员全程驻点参与，针对广大农户、农业合作社及涉农企业的需 求，详细介绍惠农普惠金融产品，从线上便捷的"中银速贷"到支持产业发展的经营贷，用通俗语言分析 产品要点、申请流程，协助客户体验线上申请的便捷流程，为农业生产经营注入金融活水。 转自：新华财经 2025年12月26日至29日，2025宁波农业博览会在宁波国际会展中心圆满举办。作为服务普惠金融的主力 军，中国银行宁波市分行（以下简称"宁波中行"）以展会为纽带，将金融服务送到农博会现场，通过驻 点服务、知识普及、惠民活动三大举措，为展会注入金融暖流，让广大市民切实感受到金融服务的温 暖。 为提升市民参展获得感，宁波中行在现场开展优惠活动，点燃消费热情，让市民享受到金融惠民的红 利，更助力参展商户，用金融践行提升消费。 本次农博会，宁波中行以精准服务对接农业发展需求，以专业知识普及筑牢金融安全防线，以惠民活动 传递金融温度。未来，宁波中行将持续加强与市农业农村局合作联动，持续深耕普惠金融与乡村振兴领 域，让金融活水持续润泽田间地头、惠及千家万户，为地方农业高质量发展贡献金融力量。（邓倩雯） 编辑：赵鼎 该行同时设立"消保宣传专 ...

新华财经北京12月30日电（高二山）2025年，银行业整体呈现"破局立新，价值回归"的局面，以 "稳资 本、化风险、促转型、强治理" 为主线，在政策托底、改革深化与创新驱动下实现韧性增长。不仅为实 体经济转型升级提供了坚实的金融支撑，银行业自身也实现了高质量可持续发展。为了更好地呈现2025 年银行业的全貌，新华财经梳理了系列关键词，回顾全年银行业发生的系列大事，盘点全年银行业的发 展路径。 特别国债注资 3月，《政府工作报告》提出，拟发行特别国债5000亿元，支持国有大型商业银行补充资本。3月30日， 中国银行、建设银行、交通银行、邮储银行集体公告定向增发预案，合计募资5200亿元；财政部出资 5000亿元，包揽中国银行、建设银行全部新增股份，认购交通银行、邮储银行逾九成股份，强化国有资 本控股与资本补充效率。 消费贷财政贴息 净息差收窄与"反内卷" 年初，消费贷利率一路下探，个别银行低至2.6%左右。直至4月，银行信用消费贷利率才普遍回升至3% 以上。但7月初，多家银行进一步推出2.5%左右的经营贷"以价换量"，甚至"赔本赚吆喝"。净息差收窄 至1.43%的历史低位，债券承销出现700元"白菜价"中标…… ...

在服务优化方面，该支行对业务流程进行了优化，精简了贷款审批手续，并开辟了绿色通道，为客户提供便捷高效的金融服务。同时，该支行工作人员深 入社区、乡村和企业，开展金融知识普及活动，提高了居民的金融素养、风险防范意识和财务管理能力。这些活动让更多人能够享受到安全便捷的金融服 务，对改善农户生活质量、促进当地经济社会稳定发展起到了积极作用。 齐鲁晚报.齐鲁壹点李可通讯员郭新如 菏泽农商银行何楼支行积极践行普惠金融理念，紧密围绕当地群众和小微企业的金融需求，推出了一系列服务举措和特色金融产品。 在产品创新方面，针对个体工商户和小微企业，该支行推出了"鲁担惠农贷""税易贷""经营贷"等信贷产品，满足了企业和农户在生产经营中的资金需求。 这些产品缓解了小微企业和个体工商户的融资难题，推动了当地民营经济发展，创造了更多就业机会。对于农户，支行提供小额信用贷款，支持农业生产 和农村发展，帮助农户发展特色农业、扩大生产规模，增加了家庭收入，助力乡村振兴。 未来，该支行将继续秉持普惠金融理念，提升服务质量。该支行将探索普惠金融新模式、新路径，让更多人共享金融发展成果，推动当地经济高质量发 展。 ...

Core Insights - The article highlights the challenges faced by individuals and small enterprises in obtaining loans, including insufficient collateral and lengthy application processes [1] - Recent policy optimizations aim to reduce financing difficulties and costs, with specific measures introduced to support small and micro enterprises [2] Industry Overview - The financing landscape is evolving with new regulations and support mechanisms, including a transition period for small loan companies until December 31, 2026 [2] - The average interest rate for small micro-enterprise loans has decreased by nearly 1 percentage point, with over 460 billion yuan in credit facilitated by new coordination mechanisms [2] Company Summaries - **Qianyun (Comprehensive Loan Platform)**: Rated 9.9/10, specializes in customized financing solutions with a high success rate in loan approvals, particularly for those previously rejected [4] - **Fangyindai (Real Estate Mortgage Focus)**: Rated 9.8/10, offers efficient mortgage services with a focus on property valuation and quick loan processing times [5][6] - **Zhongyihang Financial (Enterprise Financing Expert)**: Rated 9.6/10, adept at various loan products for small enterprises, providing flexible solutions tailored to their needs [7] - **Moerlong (National Chain)**: Rated 9.0/10, utilizes digital platforms for streamlined loan matching, catering to tech-savvy startups and individuals [8] - **Hengchang Financial (Personalized Services)**: Rated 8.8/10, leverages technology for quick credit assessments, serving businesses with stable cash flows [9][10] Loan Application Process - Step 1: Clarify loan needs, including amount, duration, and acceptable interest rates [12] - Step 2: Match qualifications to appropriate loan types based on available collateral and financial records [12] - Step 3: Select reputable institutions with high ratings, focusing on interest rates and service fees [12] - Step 4: Prepare necessary documentation to avoid delays in the approval process [12]

| 投资者关系活动 ☑ | 特定对象调研 分析师会议 □ | | --- | --- | | 类别 □ | 媒体采访 □业绩说明会 | | □ | 新闻发布会 □ 路演活动 | | □ | 现场参观 | | □ | 其他 （请文字说明其他活动内容） | | 参与单位名称及 | 国信证券 王剑 富国基金 徐健荣 | | 人员姓名 | | | 时间 | 年 月 日 上午 2025 12 24 (周三) 10:00-11:00 | | 地点 | 江阴市澄江中路 1 号银信大厦 11 楼会议室 | | 上市公司接待人 | 董事会秘书周晓堂 | | 员姓名 | | | | 主要就江阴银行相关经营情况进行了交流，以下为本次调研问询 | | | 及简要回复情况记录： | | 1. | 在当前宏观经济环境下，银行业传统的存贷利差业务面临一 | | | 定压力。请问贵行在明年及未来几年的整体战略布局上，将如何 | | | 寻求新的增长引擎和盈利突破点？ | | | 答：尊敬的投资者，感谢您的关注。面对当前宏观环境，我 | | 投资者关系活动 主要内容介绍 | 行明年战略布局将以中间业务收入为核心增长引擎，同时优化资 | | | ...

近期深圳地区多家银行经营贷产品年利率最低至2.35%，且一般附有类似新用户的条件要求，此前年利 率2.20%的经营贷产品已彻底下架。 另一位深圳地区股份制银行人士告诉记者，目前该地区房抵经营贷利率新客户最低达到2.35%，存量客 户一般要高于2.35%。近年来经营贷利率持续下降，此前曾达到2.60%、3.00%的阶段。市面上曾有过年 利率2.20%的经营贷产品，但目前已经下架。 深圳市南山区某股份制银行人士告诉记者，该行房抵经营贷一般是2.40%左右，具体要看贷款人的房 产、公司等情况。 北京财富管理行业协会特约研究员杨海平告诉记者，经营贷利率处于低位及调整的核心原因，是实体经 济需求疲弱背景下的市场竞争驱动。当前实体经济呈现疲弱态势，有效信贷需求不足，商业银行面临较 大的业务拓展压力。为抢抓优质客户与优质资产，银行在资产端主动下调利率，经营贷作为重要的信贷 产品，其利率水平随之走低，这是市场竞争机制作用下的必然结果。 "同时，普惠型小微企业贷款考核的政策导向影响。"杨海平表示，经营贷中，持有个体工商户营业执照 的主体所申请的贷款，可纳入普惠型小微企业贷款统计范围。而监管部门对商业银行普惠型小微企业贷 款设有 ...

Core Insights - The current competition in business loan interest rates has intensified, with banks offering rates as low as 2.35% for secured loans and around 3% for unsecured loans, creating a favorable environment for small and micro enterprises [1][2][3] - The demand for housing loans is weak, leading banks to target small business owners with property and business licenses as a new market opportunity [1][4] - Financial institutions are also focusing on consumer loans, with various promotional activities and competitive interest rates to stimulate consumption during the upcoming holiday season [4][5] Business Loan Market - Major state-owned banks are offering business loan rates around 3%, with competitive rates for qualified clients, particularly for secured loans which can be as low as 2.5% [2][3] - Different banks are emphasizing various aspects of their business loan products, but the common theme is "low rates and high limits," with some banks offering loans up to 20 million yuan [1][2] - The competitive landscape is driven by policy guidance, market competition, and the need for banks to find new lending channels as traditional mortgage loans decline [3][7] Consumer Loan Market - Consumer loans are becoming a competitive arena for financial institutions, with government initiatives encouraging banks to boost consumer lending through fiscal subsidies and promotional campaigns [4][7] - Interest rates for consumer loans from major banks generally range from 3.3% to 4.5%, with some banks offering lower rates for high-quality clients [5][6] - Financial institutions are implementing various promotional activities to attract consumers, including rewards for referrals and special offers for new customers [6][7] Future Outlook - Experts suggest that while interest rates may not drop significantly in the short term, they are likely to remain stable at low levels due to ongoing policy support for financial institutions to benefit the real economy [3][7] - The competitive nature of the market may lead to further innovations in loan products and marketing strategies, but banks must adhere to regulatory guidelines to avoid risks associated with low-interest rates [7]

记者丨 叶麦穗 编辑丨包芳鸣 对于目前经营贷"量足价优"情况，多位金融专家表示，这是政策引导、市场竞争与行业转型多重因素叠加的结果。 上海金融与发展实 验室首席专家、主任曾刚指出，随着房地产市场调整，按揭贷款这一传统优质资产规模萎缩，银行急需寻找新的信贷投放渠道，经营贷 自然成为重要方向。同时，宏观政策持续引导金融机构加大对小微企业的支持力度，普惠金融指标的监管要求下，银行不得不通过降低 利率吸引客户、完成考核任务。更关键的是，银行间竞争激烈，国有大行凭借低成本资金优势率先降价，中小银行为抢夺优质客户也需 要跟进，形成利率"竞降"格局。 房抵经营贷利率年末出现"大比拼"，据记者了解， 目前银行的底价基本在2.35%。一家国有大行三农信贷部的负责人表示，该行的经营 贷"量足价优"，基本上有抵押品的经营贷利率能做到2.5%； 纯信用类产品利率一般在3%左右，要是客户信用好、流水稳定，利率还有 进一步协商的空间。 当前，房贷需求疲软，手握房产与营业执照的小微企业主，已然成为银行信贷业务的"新蓝海"。与此同时，临近年底消费旺季，消费贷 也成为金融机构的"必争之地"。 经营贷整体"价优量足" 此前有消息称，市场上的经营 ...

央行一次性个人信用修复政策落地后，社交平台迅速掀起讨论热潮。近两日，在小红书、微博上，大量 网友晒出自己的征信报告，希望通过在线求助的方式，求广大网友帮忙鉴定自己的逾期记录是否能享受 到这波政策利好。 诸多讨论中，几个核心问题被反复提及，即自己到底符不符合政策的修复条件？"单笔逾期1万元以 下"的界定标准是什么？分期贷款的逾期又该怎么认定？怎么才算足额偿还逾期债务？ 社交平台晒征信求鉴定 梳理来看，网友们的核心关切主要集中在政策适用细节与实操问题两大方面。 从政策规定的逾期条件看，逾期信息需同时满足三项核心要求：一是时间范围，逾期信息产生于2020年 1月1日至2025年12月31日期间；二是金额限制，单笔逾期金额不超过1万元人民币；三是还款时限，个 人需于2026年3月31日（含）前足额偿还逾期债务。满足上述条件的，央行征信系统将对相关逾期信息 作不予展示处理。 "单笔逾期1万元以下"的界定标准是网络上讨论的热点之一。第一财经记者采访多方人士了解到，政策 中提到的单笔逾期，一般是指一笔贷款单月的逾期金额，这里的逾期金额是指截至该月该笔贷款下的欠 款合计。 例如，消费贷分期后每月应还1000元，借款人持续未还 ...

Group 1 - The People's Bank of China has announced a one-time credit repair policy that allows borrowers to clear overdue personal credit records by repaying debts of up to 10,000 RMB by March 31, 2026, which is expected to stimulate consumption and financing demand [1] - The policy applies to overdue amounts not exceeding 10,000 RMB per instance, covering a wide range of loans including credit cards, consumer loans, and even larger long-term loans like mortgages, potentially benefiting most mortgage borrowers in China [1] - The credit repair policy is distinct from debt forgiveness, as it requires full repayment of overdue loans to restore credit ratings, thus maintaining credit constraints on borrowers who have not repaid their debts [2] Group 2 - The credit repair initiative is anticipated to stimulate demand for personal loans, including consumer loans, mortgages, and business loans, as it encourages overdue borrowers to repay their debts, improving asset quality for financial institutions [2] - The policy is designed as a one-time measure without a long-term extension mechanism, which helps mitigate moral hazard risks associated with debt repayment [2] - Overall, the credit repair policy is seen as beneficial for domestic banks, particularly state-owned banks and leading financial institutions, as it encourages overdue debt repayment and enhances asset quality [3]