2025年以来,中国人民银行山东省分行深入贯彻落实党中央、国务院关于金融支持实体经济发展的决策 部署,坚持金融工作的政治性、人民性,聚焦提升民营小微企业金融服务质效,创新机制、搭建平台、优化 模式、打造品牌,推动金融服务从"广覆盖"向"精准滴灌"升级。截至2025年9月末,全省普惠小微贷款余额 同比增长14.39%,高于全部贷款5.91个百分点,民营小微企业、涉农主体等重点群体金融服务可得性、获 得感显著增强,为全省经济高质量发展提供了有力金融支撑。 打造"金融+商会+企业"政会金企合作品牌 畅通金融服务精准直达民营企业的常态化路径 聚焦发挥各级工商联"联"的作用和商会的组织、资源、信息等优势,探索建立并不断完善"金融+商会+企 业"工作机制,通过"银行行长进商会访企业"等具体活动形式,广泛开展以"送知识、送政策、送产品、送 服务"为核心的"四送"服务,加大面向民营企业政策解读、产品推广、融资对接、发债辅导等工作力度。 结合金融"五篇大文章"重点领域,开展精细化走访对接,推动提升民营企业金融服务的覆盖面、便利性和 满意度。2025年以来,累计走访企业17307家,提供授信1077.47亿元,发放贷款637.5 ...

Economic Performance - In 2024, Shandong Province achieved a GDP of 9.9 trillion yuan, with a year-on-year growth of 5.7%, surpassing the national growth rate by 0.7 percentage points[2] - Fixed asset investment (excluding farmers) grew by 3.3%, with manufacturing investment increasing by 15.1% and high-tech industry investment rising by 15.9%[3] - The total retail sales of consumer goods reached 3.8 trillion yuan, growing by 5.0% year-on-year, with online retail sales at 754.3 billion yuan, up 7.8%[3] Financial Sector Performance - The total social financing scale in Shandong reached 23.8 trillion yuan, with a year-on-year growth of 10.2%[62] - New loans amounted to 1.2 trillion yuan, with a year-on-year growth of 9.0%, exceeding the national average by 1.8 percentage points[44] - The balance of debt financing tools issued by enterprises was 622.8 billion yuan, reflecting a 9.6% increase year-on-year[66] Employment and Income - Urban employment increased by 1.245 million, achieving 113.2% of the annual target, while per capita disposable income rose by 5.5%[34] - The rural per capita disposable income growth rate outpaced that of urban residents, indicating a positive trend in rural economic conditions[34] Price Stability - The consumer price index (CPI) rose by 0.2%, with food prices declining by 0.5% and non-food prices increasing by 0.4%[35] - The industrial producer price index (PPI) decreased by 2.1%, with the decline narrowing by 1.4 percentage points compared to the previous year[35] Financial Risk Management - The non-performing loan ratio in the banking sector was 1.15%, a decrease of 0.01 percentage points, marking six consecutive years of decline[59] - The provision coverage ratio reached 276.6%, indicating enhanced risk resistance capabilities within the banking institutions[59]

2018年7月，习近平总书记对实施乡村振兴战略作出重要指示，强调要坚持以实干促振兴，遵循乡 村发展规律，规划先行，分类推进，加大投入，扎实苦干，推动乡村振兴不断取得新成效。在临沂市普 惠金融服务乡村振兴改革试验中，"探索试点金融参与村庄规划"成为首项改革重点任务。中国人民银行 临沂市分行党委书记、行长王剑介绍，2021年起，临沂市启动了精品村庄规划实施工程，创新"金融 +规划+土地"融合发展模式，中国人民银行临沂市分行、市自然资源和规划局等有关部门建立金融参与 村庄规划专项协调机制，探索成立了熟悉信贷政策、产业政策、项目投融资规划、村庄规划等专业知识 的金融规划服务团队。充分发挥金融在参与村庄现状调研、规划编制、建设实施的全周期支持作用，聚 焦村庄规划项目建设中的融资缺口问题，由金融机构提供融资规划辅导、信贷支持和金融服务，探索出 美丽宜居、产业园区、红色文化、生态旅游"四个模式"。东高庄红色片区正是红色文化模式中的精品村 庄。截至目前，该项目已通过沂南农商银行融资1000万元，另外，东高庄村获得乡村振兴贷款1502万 元。 临沂市自然资源和规划局详细规划科科长张海东表示，东高庄红色百千工程示范片区辖12个村 ...