关键词：深耕实体 金融活则经济活，金融稳则经济稳。"十五五"规划明确提出"加快建设金融强国"的战略目标，将服务实 体经济作为金融工作的出发点和落脚点，重点部署科技金融、绿色金融、普惠金融、养老金融、数字金 融"五篇大文章"。中国邮政储蓄银行深圳分行(以下简称"深圳分行")作为扎根深圳特区、兼具普惠基因 与国有大行分支行担当的金融机构，立足"服务'三农'、城乡居民和中小企业"的战略定位，紧扣深圳建 设中国特色社会主义先行示范区的发展主线，将自身发展融入国家战略与地方发展大局，以一系列精准 务实的举措，为深圳实体经济高质量发展注入强劲金融动能。 精准对接战略部署 在普惠金融方面，充分发挥69个营业网点遍布全市各区的渠道优势，让金融服务直达"最后一公里"。针 对深圳都市农业、乡村振兴帮扶领域，围绕粮食稳产保供、对口帮扶地区富民产业发展等重点，持续升 级金融产品与服务流程，自主创新推出"U粮易贷"产品，携手优合集团等核心企业打造"冷链+"金融服 务，实现对粮食产业客群的精准滴灌。在小微企业服务方面，深耕主办行制度，聚焦深圳先进制造业、 科创小微企业等群体，将服务嵌入企业全生命周期，通过产业链、产业集群批量服务模式，广 ...

Core Insights - As of September 2025, the total balance of deposits in Shenzhen reached 14.36 trillion yuan, marking a year-on-year growth of 5.6% and an increase of 787.15 billion yuan since the beginning of the year, with a year-on-year increase exceeding 500 billion yuan [1] - The total balance of loans in Shenzhen stood at 9.94 trillion yuan, reflecting a year-on-year growth of 5.0% and an increase of 457.41 billion yuan since the start of the year, with a year-on-year increase exceeding 200 billion yuan [1] - Various sectors, including household deposits, non-financial enterprise deposits, household loans, and loans to non-financial enterprises and institutions, all experienced year-on-year increases [1] Financial Support for Innovation - By the end of September 2025, 2,552 technology enterprises and 111 projects received low-cost financing support totaling 49.86 billion yuan under the policy support list [1] - The "Tengfei Loan" program has provided 6.6 billion yuan in medium to long-term funding support to 121 enterprises, while the "Technology Startup Access" initiative has helped 4,522 small technology enterprises without loans secure credit loans amounting to 6.8 billion yuan [1] - Financial institutions have been encouraged to implement "Seed Loans" and "20+8 Industry Loans," which, in conjunction with the technology guarantee special plan, have assisted over 2,000 enterprises in obtaining financing of 4.8 billion yuan [1] Bond Market Activity - The Shenzhen branch of the People's Bank of China reported that 12 non-financial enterprises issued 19 technology innovation bonds in the interbank market, totaling 33.45 billion yuan by the end of September [2]

Group 1 - As of September 2025, the total balance of deposits in Shenzhen reached 14.36 trillion yuan, a year-on-year increase of 5.6%, with an increase of 787.15 billion yuan since the beginning of the year, exceeding the previous year's increase by over 500 billion yuan [2] - The total balance of loans in Shenzhen was 9.94 trillion yuan, with a year-on-year growth of 5.0%, and an increase of 457.41 billion yuan since the beginning of the year, also exceeding the previous year's increase by over 200 billion yuan [2] - The weighted average interest rate for newly issued corporate loans in Shenzhen was 2.75% as of September 2025, a decrease of 0.53 percentage points year-on-year [2] Group 2 - The balance of loans to the manufacturing sector grew by 13.2% year-on-year, while loans to the scientific research and technical services sector increased by 15.9% [2] - The balance of technology loans reached 2.18 trillion yuan, with a year-on-year growth of 8.2%, and the balance of inclusive small and micro loans was 1.97 trillion yuan, growing by 7.1% year-on-year [2] - Personal non-housing consumption loans in Shenzhen increased by 6.0% year-on-year as of September 2025 [2] Group 3 - The People's Bank of China in Shenzhen has been promoting financial services for the real economy, focusing on key areas such as technology innovation, consumption stimulation, and support for small and micro enterprises [3] - As of September 2025, 2,552 technology enterprises and 111 projects received low-cost financing support totaling 49.86 billion yuan [3] - The "Tengfei Loan" model has provided 6.6 billion yuan in medium to long-term funding support to 121 enterprises, while the "Technology Startup Pass" has helped 4,522 small technology enterprises obtain credit loans totaling 6.8 billion yuan [3] Group 4 - Since the implementation of high-level pilot policies in February 2024, the level of cross-border trade and investment facilitation in Shenzhen has continuously improved, benefiting over 1,800 enterprises with a business scale exceeding 210 billion USD as of September 2025 [4] Group 5 - By September 2025, cross-border e-commerce services supported 246,000 enterprises with a business scale of 62.44 billion USD, and banks processed cross-border e-commerce foreign exchange transactions for 14,000 merchants, totaling 1.44 billion USD [5] - The "Cross-Border Wealth Management Connect" 2.0 measures have attracted approximately 31,000 new individual investors, with a total cross-border payment amount of 50.74 billion yuan, accounting for nearly half of the Greater Bay Area's total [5]

Core Viewpoint - The People's Bank of China Shenzhen Branch and the State Administration of Foreign Exchange Shenzhen Branch held a press conference, highlighting the implementation of supportive monetary policies to enhance financial support for key sectors and promote high-quality economic development in Shenzhen [1]. Group 1: Loan Growth and Financial Support - As of September 2025, the total loan balance in Shenzhen reached 9.94 trillion yuan, a year-on-year increase of 5.0%, with an increase of 457.41 billion yuan since the beginning of the year, exceeding last year's growth by over 200 billion yuan [1]. - The loan structure has been optimized, with manufacturing loans growing by 13.2% and loans for scientific research and technical services increasing by 15.9% year-on-year [2]. - The balance of technology loans reached 2.18 trillion yuan, up 8.2% year-on-year, while inclusive small and micro loans totaled 1.97 trillion yuan, growing by 7.1% [2]. Group 2: Support for SMEs and Consumption - Shenzhen is enhancing the financing environment for private small and medium-sized enterprises (SMEs) through innovative models like "credit + credit reporting" and "credit + guarantee" [3]. - The average interest rate for newly issued corporate loans in Shenzhen was 2.75% in September 2025, a decrease of 0.53 percentage points year-on-year, indicating a decline in overall financing costs [4]. - Financial support for consumption and foreign trade has been prioritized, with 476.1 billion yuan in loans issued to service sectors, and new products like "micro trade loans" and "cross-border e-commerce loans" introduced to meet financing needs [5][6]. Group 3: Cross-Border Financial Services - Since the implementation of high-level pilot policies in February 2024, the level of cross-border trade and investment facilitation in Shenzhen has improved, benefiting over 1,800 enterprises with a business scale exceeding 210 billion USD [7]. - The cross-border RMB business in Shenzhen has seen increased volume and expanded coverage, with banks customizing financial services to meet enterprise needs [7]. - The "Cross-Border Wealth Management Connect" 2.0 measures have attracted approximately 31,000 new individual investors, with cross-border payment amounts totaling 50.74 billion yuan, representing nearly 50% of the Greater Bay Area's total [8].

Core Insights - The financial performance in Shenzhen shows stable growth with an increase in credit volume and a decline in financing costs [2][3] Credit Overview - As of September 2025, the total balance of deposits in Shenzhen reached 14.36 trillion yuan, a year-on-year increase of 5.6%, with an increase of 787.15 billion yuan since the beginning of the year [2] - The total balance of loans was 9.94 trillion yuan, growing by 5.0% year-on-year, with an increase of 457.41 billion yuan since the start of the year [2] - Key sectors such as household deposits, non-financial enterprise deposits, household loans, and loans to non-financial enterprises and government agencies all experienced significant year-on-year growth [2] Financing Costs - The weighted average interest rate for newly issued corporate loans in Shenzhen was 2.75% in September 2025, a decrease of 0.53 percentage points year-on-year [2] Loan Distribution - The credit structure in Shenzhen includes two categories with balances of 2 trillion yuan each for technology and inclusive finance, and two categories with balances of 1 trillion yuan each for green and digital economy loans [3] - Technology loans reached 2.18 trillion yuan, growing by 8.2% year-on-year, while inclusive small and micro loans reached 1.97 trillion yuan, increasing by 7.1% [3] - Manufacturing loans grew by 13.2% year-on-year, and loans for scientific research and technical services increased by 15.9% [3] Financial Innovation - Shenzhen is advancing financial integration for the technology industry, with 2,552 technology enterprises and 111 projects receiving low-cost financing support totaling 49.86 billion yuan as of September 2025 [3][4] - The "Tengfei Loan" program has provided 6.6 billion yuan in medium to long-term funding support to 121 enterprises [4] Cross-Border Financial Services - Since the implementation of high-level pilot policies in February 2024, over 1,800 enterprises have been covered, with a business scale exceeding 210 billion USD [5] - The FT account transaction amount in Shenzhen reached 361 billion yuan from January to September 2025, marking a 70.7% year-on-year increase [6] - The "Cross-Border Wealth Management Connect" 2.0 measures have attracted approximately 31,000 new individual investors, with total cross-border payment amounts reaching 50.74 billion yuan [6]

Core Viewpoint - The financial system in Shenzhen is operating steadily, with a stable growth in credit volume and a decline in comprehensive financing costs, providing strong support for high-quality development of the real economy [1][3]. Financial Performance - As of September 2025, the total balance of various loans in Shenzhen reached 9.94 trillion yuan, with a year-on-year growth of 5.0% [3]. - The weighted average interest rate for newly issued corporate loans in Shenzhen was 2.75% in September 2025, a decrease of 0.53 percentage points year-on-year [3]. Key Areas of Financial Support - The financial support for key areas such as technology innovation, inclusive small and micro enterprises, green and low-carbon initiatives, digital economy, and elderly services has been continuously strengthened [1][4]. - By the end of September 2025, loans to the manufacturing sector grew by 13.2%, while loans to scientific research and technical services increased by 15.9% [4]. Technology and Innovation Financing - Shenzhen has integrated financial services with technology industries, with 2,552 technology enterprises and 111 projects receiving low-cost financing support totaling 498.6 million yuan [5]. - The "Tengfei Loan" program has provided 66 million yuan in medium to long-term funding support to 121 enterprises [5]. Consumer and Foreign Trade Support - From January to August 2025, loans in the consumer sector amounted to 476.1 million yuan, leading to a 6.0% year-on-year increase in personal non-housing consumption loans [6]. - The foreign exchange hedging rate in Shenzhen reached 32.7% from January to August 2025, an increase of 3.7 percentage points year-on-year [6]. Cross-Border Financial Activities - In the cross-border financial sector, Shenzhen's cross-border RMB receipts and payments totaled 859.2 billion yuan from January to September 2025, a year-on-year increase of 121.1 billion yuan [7]. - The "Cross-Border Wealth Management Connect" 2.0 version has attracted 30,000 new individual investors, with cross-border payment amounts reaching 50.7 billion yuan, accounting for nearly 50% of the Greater Bay Area [7]. Digital Currency Developments - By the end of September 2025, nearly 30 million digital RMB wallets had been opened in Shenzhen, with a total transaction amount of nearly 180 billion yuan [8]. - Shenzhen has pioneered a prepayment management service model combining commercial insurance and digital RMB, managing nearly 4.7 billion yuan in funds [8].

Core Insights - Shenzhen's total deposits in both domestic and foreign currencies reached 14.36 trillion yuan by September 2025, marking a year-on-year growth of 5.6% and an increase of 787.15 billion yuan since the beginning of the year, exceeding the previous year's growth by over 500 billion yuan [1] - The total loans in both domestic and foreign currencies amounted to 9.94 trillion yuan, with a year-on-year increase of 5.0% and a rise of 457.41 billion yuan since the start of the year, also exceeding the previous year's growth by over 200 billion yuan [1] - The weighted average interest rate for newly issued corporate loans in Shenzhen was 2.75% as of September 2025, a decrease of 0.53 percentage points year-on-year [1] Financial Support for Key Sectors - The financial support for technology innovation and consumption has been enhanced, with a focus on sectors like digital economy and small and micro enterprises, maintaining a credit structure of 2 trillion yuan for technology and inclusive loans, and 1 trillion yuan for green and digital economy loans [2] - By September 2025, 2,552 technology enterprises and 111 projects received low-cost financing support totaling 49.86 billion yuan [2] - The "Tengfei Loan" and "Technology Startup Pass" initiatives have expanded, with 121 enterprises receiving 6.6 billion yuan in medium to long-term funding through the "Tengfei Loan" [2] Consumer Financing and Trade Support - Consumer loans for non-housing purposes grew by 6.0% year-on-year by September 2025, with banks encouraged to optimize products and services to meet diverse consumer needs [3] - The financial sector has supported 24.6 million enterprises in cross-border e-commerce, with a business scale of 62.44 billion USD by September 2025 [6] - The "Micro Trade Loan" and "Cross-Border E-Commerce Loan" products have been introduced to support small and micro foreign trade enterprises [3] Digital Financial Innovations - The digital RMB pilot program has seen nearly 30 million digital wallets opened in Shenzhen, with approximately 5,000 merchants signed up in the prepaid consumption sector, managing around 4.7 billion yuan in prepaid funds [4] - The FT account trial has expanded from 2 to 5 banks, with transaction amounts reaching 361 billion yuan from January to September 2025, a year-on-year increase of 70.7% [7] - The "Cross-Border Wealth Management Connect" 2.0 measures have attracted around 31,000 new individual investors, with cross-border payment amounts totaling 50.74 billion yuan, accounting for nearly half of the Greater Bay Area's total [7]

Core Insights - Shenzhen Xinguang Precision Technology Co., Ltd. has transformed from "manufacturing" to "creation" with the support of Postal Savings Bank's "Tengfei Loan" for medium to long-term funding [1] - The bank's focus on technology finance is highlighted by its goal to serve over 100,000 technology enterprises and achieve a technology loan balance exceeding 930 billion yuan by June 2025 [1] - Postal Savings Bank has developed a new evaluation model called "Look to the Future," which assesses technology companies based on their R&D investment, patents, growth potential, and policy support [2] Group 1 - The transformation of Xinguang Precision is a representation of Postal Savings Bank's commitment to technology finance [1] - The bank has shifted its credit evaluation from traditional collateral-based methods to a future-oriented approach, focusing on orders, turnover, and partnerships [1][2] - The bank's innovative evaluation model allows for precise profiling of technology companies, enhancing their access to funding [2] Group 2 - The establishment of a small and micro enterprise financing coordination mechanism by national authorities aims to alleviate financing difficulties for small businesses [3] - Postal Savings Bank has adopted a "full lifecycle support" approach to provide continuous financial assistance to technology-driven small and micro enterprises [3] - A case study illustrates how the bank's support enabled a small eco-friendly building materials company to transition from R&D to becoming a national high-tech enterprise [4] Group 3 - Postal Savings Bank has created a comprehensive service system centered around products like "Science and Technology Loan" and "Science and Technology e-Loan" to facilitate technology innovation [5] - The bank utilizes big data to construct precise profiles of enterprises and evaluate their innovation capabilities, ensuring financial resources are directed towards promising technology innovators [5] - The bank's efforts in breaking traditional credit logic and building a full-cycle service ecosystem aim to stimulate innovation and support industrial upgrades [5]

Core Insights - Shenzhen is a significant player in the national technology landscape, with 7% of national specialized and innovative "little giant" enterprises and 5% of national high-tech enterprises [1] - The city has established a financial support system through "equity, loans, bonds, guarantees, and foreign exchange" to assist technology companies at various life stages [1] Financial Support Mechanisms - Shenzhen's technology loan balance reached 2.17 trillion yuan, ranking among the top in the country, with venture capital fund size exceeding 1.4 trillion yuan, accounting for about 10% of the national total [1] - The city has created a comprehensive investment system for early-stage technology companies, addressing issues of high costs and slow financing [2] Government Initiatives - The Shenzhen government has invested over 150 billion yuan to establish guiding funds, attracting nearly 500 billion yuan in capital through various sub-funds [2] - A credit assessment model has been developed to evaluate potential technology companies based on 12 dimensions, resulting in 20.3 billion yuan in loans for 2,215 companies [2] Cross-Border Financing - Shenzhen has initiated the "Kehui Tong" pilot program to facilitate cross-border funding for research institutions, allowing for optimized management of research funds [3] - The city has introduced the Qualified Foreign Limited Partner (QFLP) pilot, attracting over 7.7 billion USD in foreign investment in cutting-edge sectors [3] Innovative Financing Solutions - New financing support mechanisms like "Tengfei Loan" have been introduced, linking loan rates to business performance, with 110 companies signing loans totaling 4.6 billion yuan [4] - The "Kechuang Loan" program provides guarantees for technology SMEs, resulting in 102.9 billion yuan in loans for over 10,000 companies [4] Capital Market Integration - Shenzhen has established a technology achievement and intellectual property trading center, facilitating transactions worth 3.32 billion yuan [4] - The city has launched a one-stop platform for company listings, with 22 new companies listed in 2024, raising approximately 20 billion yuan [6] Mergers and Acquisitions - Shenzhen has developed a plan to support mergers and acquisitions, particularly for companies aligned with national strategic goals, resulting in 34 projects with a total transaction value of 10.25 billion yuan in 2024 [6] Financial Ecosystem Enhancements - The city has implemented the "Shenzhen Economic Special Zone Technology Innovation Regulations" to strengthen technology financial services [7] - Various platforms have been created to connect technology companies with financial institutions, attracting over 5,500 investment institutions to participate in events [7] Research and Development Incentives - Shenzhen allocates 13.4 billion yuan annually to support technology innovation, with a maximum deduction of 50% for technology service vouchers [8]

Core Insights - The article highlights the role of Hengfeng Bank's Shenzhen branch in supporting the economic development of the Guangdong-Hong Kong-Macao Greater Bay Area through innovative financial services and targeted support for technology-driven enterprises [1][12]. Group 1: Financial Support for Innovation - Hengfeng Bank's Shenzhen branch has established a specialized financial service team focused on high-tech sectors such as humanoid robots and advanced chips, facilitating a rapid approval of 200 million yuan for a leading IoT company's urgent R&D needs [4][5]. - The bank has expanded its financial toolkit for technology enterprises, offering diverse support including intellectual property pledge financing and specialized loans, effectively promoting a virtuous cycle of technology, industry, and finance [5]. Group 2: Cross-Border Financial Services - The Shenzhen branch has developed an integrated cross-border financial service system, significantly improving the efficiency of capital account management for foreign-invested enterprises, with cross-border settlement volumes exceeding 1.5 billion yuan since its establishment [6][7]. - The bank successfully implemented a pilot project to simplify the cross-border fund settlement process for foreign direct investment, significantly enhancing the operational efficiency for foreign enterprises [7]. Group 3: Inclusive Financial Services - Hengfeng Bank is committed to enhancing financial services for small and micro enterprises, having established a two-tier working group to implement a national financing coordination mechanism, and actively engaging in outreach to support local businesses [11]. - The bank has introduced a "零钱包" service to address the cash exchange needs of Hong Kong residents, improving service efficiency and enhancing the overall customer experience [8][10]. Group 4: Strategic Vision and Future Plans - The Shenzhen branch aims to continue its alignment with the city's development strategies, focusing on the "20+8" emerging industry cluster plan, and enhancing its comprehensive financial service capabilities to support the Greater Bay Area's global innovation landscape [12].