养老金融与特色场景建设同步发力。鼓励金融机构开发养老专属信贷产品和个性化养老金融服务，推进 数字金融适老化改造；深化数字人民币应用推广，扩大其在两地零售、交通、贸易等领域的试点范围， 探索智能合约应用和全域示范场景建设。同时推动政务数据与金融数据共享共用，依托深圳数据交易所 探索数据资产信托、知识产权质押融资等创新服务。 为营造良好发展环境，深港两地将深化创新监管试点合作，用好跨境金融科技创新监管工具联网对接机 制，扩大试点应用范围。提升监管科技水平，优化金融风险监测预警系统，探索人工智能在全链条动态 监管中的应用，实现风险"早识别、早预警、早处置"。同时完善金融科技治理体系，将伦理审查纳入企 业全流程发展，规范行业有序发展。 在生态营造方面，《方案》将通过人才专项政策引进紧缺专业人才，完善"深港澳金融科技师"专才计 划，举办数字金融论坛、成果展示交易等各类活动，深化与全球金融中心城市的交流合作。三大保障措 施同步护航，通过加强组织领导、强化政策协同、做好宣传推广，确保各项任务落地见效，打造具有深 港特色的金融科技品牌。 11月19日，香港特别行政区政府财经事务及库务局与深圳市地方金融管理局联合发布《携手打造 ...

11月19日，香港特别行政区政府财经事务及库务局与深圳市地方金融管理局联合发布《携手打造港深全 球金融科技中心的行动方案（2025—2027年）》（以下简称《方案》）。《方案》明确，未来三年两地 将从六大维度发力，深化金融科技领域协同合作，共同构建具有全球竞争力的金融科技产业生态，助力 香港巩固提升国际金融中心地位、深圳建设具有全球重要影响力的产业金融中心，为粤港澳大湾区金融 高质量发展注入强劲动力。 《方案》提出，将重点引育集聚金融科技主体，争取国家金融监管部门直属机构在两地设立科研、测评 等各类中心，鼓励香港支付机构在深圳布局跨境支付技术服务主体，培育一批数字化业务成熟的"专精 特新"金融科技企业。同时支持符合条件的金融机构在香港设立全球金融科技总部，依托金融科技出海 联盟拓展国际市场，服务"一带一路"共建国家金融数字化转型需求。 在技术创新方面，两地将加大金融科技基础技术和底层关键技术研发支持，鼓励高校、企业共建实验室 和跨境研究机构，开展人工智能等技术在金融领域的应用探索。通过算力券补贴降低企业智能算力使用 成本，同时以前海、河套等战略平台为依托，探索金融数据跨境流动机制，深化跨境征信互通试点和数 据 ...

剑指全球金融科技中心。 11月19日，香港特别行政区政府财经事务及库务局与深圳市地方金融管理局联合发布《携手打造港深全 球金融科技中心的行动方案（2025—2027年）》（简称"行动方案"），明确未来3年，两地将从六大维 度发力，深化金融科技领域协同合作，共同构建具有全球竞争力的金融科技产业生态，为粤港澳大湾区 金融高质量发展注入强劲动力。 聚焦主体集聚与技术创新筑牢产业根基 养老金融与特色场景建设同步发力。鼓励金融机构开发养老专属信贷产品和个性化养老金融服务，推进 数字金融适老化改造；深化数字人民币应用推广，扩大其在两地零售、交通、贸易等领域的试点范围， 探索智能合约应用和全域示范场景建设。同时推动政务数据与金融数据共享共用，依托深圳数据交易所 探索数据资产信托、知识产权质押融资等创新服务。 行动方案提出，将重点引育集聚金融科技主体，争取国家金融监管部门直属机构在两地设立科研、测评 等各类中心，鼓励香港支付机构在深圳布局跨境支付技术服务主体，培育一批数字化业务成熟的"专精 特新"金融科技企业。同时支持符合条件的金融机构在香港设立全球金融科技总部，依托金融科技出海 联盟拓展国际市场，服务"一带一路"沿线国家金 ...

Core Viewpoint - The Hong Kong and Shenzhen governments have jointly released an action plan to establish a global fintech center, aiming to enhance collaboration in the fintech sector over the next three years, thereby driving high-quality financial development in the Guangdong-Hong Kong-Macao Greater Bay Area [1]. Group 1: Industry Foundation and Technological Innovation - The action plan focuses on nurturing fintech entities and establishing various research and evaluation centers in both regions, encouraging Hong Kong payment institutions to set up cross-border payment services in Shenzhen, and fostering specialized fintech companies [3]. - There will be increased support for foundational and key technology research in fintech, promoting collaboration between universities and enterprises to explore applications of technologies like artificial intelligence in finance [3]. Group 2: Expanding Application Scenarios - The action plan aligns with the construction requirements of the "Five Major Articles," promoting deep integration of fintech with various fields, including supporting Shenzhen tech firms in utilizing Hong Kong's unique listing channels for financing [5]. - In green finance, the plan aims to deepen the application of corporate carbon accounts and promote sustainable offshore RMB bond issuance [5]. - The initiative also focuses on enhancing digital inclusive finance, optimizing financing services for small and micro enterprises, and expanding the coverage of products like "Credit Ease" and "Micro Loan" [5]. Group 3: Regulatory Ecosystem Optimization - To create a conducive development environment, both regions will deepen innovative regulatory pilot cooperation and enhance the financial risk monitoring and early warning systems [7]. - The plan includes the introduction of specialized talent policies to attract professionals and the establishment of a "Shenzhen-Hong Kong-Macao Fintech Specialist" program [7]. - The release of this action plan signifies a new phase of systematic and normalized fintech cooperation between Hong Kong and Shenzhen, leveraging their respective advantages to enhance global resource allocation capabilities [7].

金融是经济的血脉，更是百姓生活的依托。在中国经济迈向高质量发展的今天，中国建设银行青岛市分 行以国有大行的责任与担当，紧紧围绕国家战略与区域发展需求，通过强化队伍建设、优化服务体验、 刺激消费活力、做实金融为民、精准助力企业，持续为青岛经济社会发展注入强劲的金融动能。从个人 梦想安家到企业创新腾飞，从线下暖心服务到线上智慧金融，建行青岛市分行正以实实在在的行动，书 写着一座城市与一家银行共同成长、彼此成就的崭新篇章。 让客户不为资金发愁 消费是经济增长的主引擎。建行青岛市分行积极响应国家促消费政策，自2025年个人消费贷款贴息政策 推出以来，第一时间部署落地，以"免申即享"实现贴息自动抵扣，显著降低居民融资成本。 "叮！"一声短信提示，30万元信贷资金迅速到账。市民张先生因房屋装修有资金需求，想起之前偶然接 触到的建行个人消费贷款，便到网点咨询。工作人员了解到张先生的情况符合建行"建易贷"产品的办理 条件后，当即协助他申请了30万元的额度，并于当日完成了贷款发放。"速度太快了，像做梦一样！"张 先生的感慨，是建行服务效率最真实的注脚。 专业筑基，人才为先 打造有温度的金融服务团队 近年来，建行青岛市分行始终坚 ...

Core Viewpoint - The China Construction Bank (CCB) is committed to supporting the high-quality development of private enterprises through various financial services and innovative solutions, aiming to enhance their competitiveness and operational efficiency [1][2][3]. Group 1: Financial Support for Private Enterprises - CCB has provided nearly 6.6 trillion yuan in loans to private enterprises, with an average annual growth rate exceeding 16% over the past five years, serving nearly 10 million private businesses [1]. - The bank has launched a 2025 action plan to further support the high-quality development of private enterprises, focusing on key sectors such as technology and manufacturing [1][2]. Group 2: Innovative Financing Solutions - CCB has developed a "comprehensive service + specialized financing" support system, exemplified by its collaboration with Huasheng Group, providing over 2.4 billion yuan in syndicated loans to facilitate project construction [2]. - The bank's "脱核链贷" (Decoupled Chain Loan) innovation allows upstream suppliers to obtain financing online based on orders, with nearly 60 million yuan disbursed to alleviate suppliers' financial pressures [4]. Group 3: Comprehensive Service Models - CCB has implemented a "圈链群" (Circle-Chain-Group) service model, integrating various financial services to support the operational needs of technology-driven enterprises and their ecosystems [3]. - The bank collaborates with multiple stakeholders, including government and industry associations, to enhance service delivery and outreach to private enterprises [3]. Group 4: Support for Innovation and Technology - CCB aims to create a "five-dimensional integrated" service system to accelerate innovation in private enterprises, focusing on the entire lifecycle of technology and businesses [5][6]. - The bank has provided 2 billion yuan in loans to Jiangsu Zhengli New Energy Battery Technology Co., supporting its new manufacturing project and facilitating its successful IPO [6]. Group 5: Inclusive Financial Services - CCB is enhancing its inclusive finance model to better serve small and micro enterprises, with a focus on reducing financing costs and improving service efficiency [7]. - The bank has implemented a "no principal renewal loan" service to assist small businesses facing cash flow challenges, ensuring they can continue operations without financial strain [7]. Group 6: Global Financial Services - CCB is facilitating the international expansion of private enterprises by offering integrated cross-border financial services and innovative products like "跨境快贷" (Cross-Border Quick Loan) [8][9]. - The bank has organized events to connect private enterprises with global market opportunities, aiming to support their growth in international trade [8]. Group 7: Future Directions - CCB plans to continue enhancing its resource allocation to support the high-quality development of private enterprises, focusing on innovation, green transformation, and digital upgrades [9].

Group 1 - The core idea of the news is the focus on innovative financial services tailored to meet the specific needs of technology enterprises, particularly in addressing their financing challenges [1][3][4]. - Jinan's government is actively promoting the establishment of technology branches to better connect with the financing needs of innovative enterprises, showcasing successful experiences from key technology branches [3][6]. - The China Construction Bank's Jinan Quancheng Branch has seen a 240% year-on-year increase in technology enterprise clients and a technology loan balance exceeding 3 billion RMB since its establishment as a technology financial demonstration branch [3][6]. Group 2 - The Industrial and Commercial Bank of China's Jinan High-tech Branch has served nearly 500 technology enterprises, with a loan balance of 5.21 billion RMB, reflecting an increase of 871 million RMB since the beginning of the year [4]. - The China Bank's Jinan Free Trade Zone Branch has a significant focus on specialized and innovative enterprises, with 56% of its credit accounts belonging to such firms, and over 40% of its total loans directed towards technology enterprises [5][6]. - Jinan's technology branches have cumulatively served nearly 4,000 technology enterprises, with a total technology loan balance of 39.431 billion RMB, indicating a strong commitment to enhancing the professional level of technology financial services [6][7].