新华社北京12月26日电 题：促进就业创业 政府性融资担保再发力 新华社记者申铖 记者12月26日从财政部了解到，财政部会同人力资源社会保障部、中国人民银行、金融监管总局当 日对外发布《关于进一步发挥政府性融资担保体系作用 加力支持就业创业的指导意见》，引导更多金 融资源精准支持就业创业。 政府性融资担保可为小微企业增进信用，为金融机构分担风险，是财政金融政策协调配合支持小微 企业融资发展、促进就业、扩大内需的重要政策工具。 国家融资担保基金累计服务小微企业等经营主体超过570万户次，稳定就业约5900万人次；湖北在 个人和小微企业中全面推广创业担保贷款，逐步实现"申办、审核、贷款、贴息"全部线上办理；浙江宁 波迭代推出"薪资保""薪资贷"等产品，通过"财政全额贴息+政府性融资担保增信+人民银行再贷款支 持"叠加发力……近年来，从中央到地方，政府性融资担保体系已围绕支持就业创业开展多项工作。 同时，指导意见明确实施就业贡献度与授信额度挂钩、就业贡献度与再担保费优惠挂钩的"两项挂 钩机制"，并建立门槛降低、质效提升与产品创新的"三重政策保障"。 在支持重点群体创业方面，指导意见聚焦创业担保贷款奖补政策"扩围、降 ...

Core Viewpoint - The conference emphasizes the importance of financial services in supporting high-level technological self-reliance and innovation in China, with a focus on creating a financial ecosystem that resonates with technological advancements [1] Group 1: Financial Strategy and Services - The bank views technology finance as a crucial part of its strategy to support national technological self-reliance, aiming to create a positive cycle among technology, industry, and finance [1] - A new technology finance work plan was established, introducing the "Sunshine Innovation" brand and a "Five Strengths" support system to meet the needs of technology enterprises [2] Group 2: Organizational Structure - The bank has developed a "1+16+100" integrated organizational structure for technology finance, with a central technology finance center and 16 regional centers, planning to establish around 100 specialized branches [2] - As of now, over 60 specialized technology finance institutions have been set up across the bank [2] Group 3: Product Offerings - The bank has created a product matrix consisting of three series: "Mingxing," "Xinxing," and "Juxing," covering a comprehensive range of financial products tailored to different stages of technology enterprises [2] - Innovative products such as "R&D Loans," "Salary Loans," "Data Asset Loans," and "Investment-Linked Loans" have been developed to provide full lifecycle financial services [2] Group 4: Ecosystem Development - The bank leverages its comprehensive financial capabilities and industry integration to build a robust ecosystem, focusing on collaboration across various sectors including government, industry, academia, and investment [2] - The bank aims to create a "Investment + Custody + Loan Linkage" model to provide long-term funding support for "hard technology" enterprises [2] Group 5: Research and Digital Capabilities - The establishment of a financial research institute enhances the precision of technology finance services, focusing on emerging industries and traditional industry upgrades [3] - The bank has developed a customer profiling system and is utilizing data integration to facilitate the conversion from "technology flow" to "capital flow" [3] Group 6: Future Outlook - The bank plans to deepen its integration into national strategic layouts, focusing on key areas such as artificial intelligence, integrated circuits, and aerospace for financial support [3] - The bank aims to strengthen its collaborative advantages within the group, enhancing its technology finance service ecosystem and providing comprehensive financial solutions for technology enterprises [3] - A robust risk management system and talent development are prioritized to ensure the sustainable growth of technology finance services [4]

Core Insights - Small and micro enterprises are crucial for economic development and innovation, serving as the "capillaries" of the economy and the "source of vitality" for innovation [1] - Ningbo Bank Nanjing Branch focuses on serving small and micro enterprises as part of its mission for inclusive finance, creating a comprehensive financial service system that supports the entire lifecycle of these businesses [1] - By understanding the unique challenges faced by different industries and stages of small enterprises, Ningbo Bank designs financial products that directly address their specific needs [1] Summary by Sections Salary Loan - The "Salary Loan" product addresses the critical need for timely salary payments, which is essential for maintaining team stability in small enterprises [2] - This loan uses the company's salary payment data from the past six months as the basis for credit assessment, offering up to six months' total salary without collateral, with a maximum term of 12 months [2] - A case study of a specialized small enterprise illustrates the effectiveness of the Salary Loan, where an 800 million RMB loan was approved quickly to cover a salary shortfall, thereby stabilizing the workforce [2][3] Trade Financing - The "Trade Financing" product is designed to support import and export enterprises by alleviating cash flow pressures during long inventory and payment cycles [5] - This financing solution offers credit based on the company's export volume over the past year, with a maximum limit of 200,000 USD and a term of up to one year [5] - A case example shows how a chemical trading company successfully secured 10 million RMB in trade financing, enabling it to manage increased order volumes and enhance business growth [5] Technology Empowerment - Ningbo Bank leverages digital finance to address the challenges faced by small enterprises, offering streamlined online products that enhance service efficiency [6] - Products like "Easy Loan" and "Tax Loan" provide quick access to funds, with approval times as short as one minute and ten minutes, respectively [6] - The bank aims to continue developing its "technology + finance + ecosystem" service model to support the growth of small enterprises and contribute to high-quality economic development in Nanjing [6]

Group 1 - Ningbo's economy has a foreign trade dependency exceeding 80%, with private enterprises playing a crucial role [1] - The People's Bank of Ningbo has enhanced policy guidance and financing channels to support foreign-related enterprises, allocating a special quota of 10 billion yuan for agricultural and small loans [1] - Ningbo Boling Electric Co., Ltd. has benefited from low-cost credit financing and cross-border financial services provided by local banks, significantly reducing costs [1] Group 2 - Ningbo Bank has introduced the "Foreign Exchange Gold Manager" system, offering 24/7 online services for import and export enterprises, facilitating over 200 business operations [2] - The "Foreign Exchange Gold Manager" system has successfully assisted numerous foreign trade enterprises in managing exchange rate fluctuations and cash flow issues, serving over 3,700 freight forwarding companies [2] - The People's Bank of Ningbo has launched the "Yonghui Tong" rediscount tool to meet the discount needs of 2,578 enterprises, combining monetary policy tools with fiscal subsidies to support small foreign trade enterprises [2]

Core Viewpoint - Morgan Stanley has included Nu Holdings Ltd. in its list of "12 Best Stocks for Long-Term Holding," reaffirming a "Buy" rating with a target price of $18, based on significant opportunities in the South American payroll loan market [1] Company Overview - Nu Holdings Ltd. is a financial holding company based in Brazil, primarily offering Nubank digital banking services, which include personalized credit limits, mobile payment systems, interest-bearing savings accounts, and a global portfolio of investment-grade financial products [1][2] Digital Banking Services - Nubank, the core subsidiary of Nu Holdings, is a leading digital banking platform in Latin America, providing customized credit card products, savings accounts, payroll loans, insurance, investments, and cross-border remittances, with over 118 million customers across Brazil, Mexico, and Colombia [2] Market Potential - In Q1 FY2025, Nu Holdings reported a 50% quarter-over-quarter increase in public payroll loans and introduced a new private payroll loan product, indicating significant growth opportunities [3] - Morgan Stanley's analysts project that by 2026, Nubank could capture up to 10% of the payroll loan market in South America, leveraging its large customer base and low customer acquisition costs [3] Competitive Advantages - Nubank's digital banking ecosystem, characterized by a fully online app and cloud-native systems, allows for low customer acquisition costs and efficient risk pricing, enabling it to offer lower interest rates compared to traditional banks [4] - The company's ability to avoid the costs associated with physical branches and intermediaries enhances its competitive pricing strategy, making it difficult for existing competitors to match its offerings [4]

Core Viewpoint - The article highlights the robust development of the private economy in Ningbo, supported by various financial institutions and policies aimed at enhancing financial services for private enterprises [1][11]. Financial Support Policy System - The People's Bank of China Ningbo Branch is actively constructing a financial support policy system, collaborating with local government departments to optimize financial services for private enterprises [2]. - Over the past three years, Ningbo has injected 240 billion yuan in various central bank re-loans and rediscount funds, with over 2.5 billion yuan in loans issued to more than 9,000 technology-based enterprises [2]. - As of April 2025, the loan balance for private enterprises in Ningbo reached 1.64 trillion yuan, accounting for 54.7% of total enterprise loans [3]. Mechanism Innovation to Enhance Service Efficiency - Ningbo Tongshang Bank has established a unique innovation ecosystem for technology enterprises, providing comprehensive financial services and support [4]. - The bank's incubation base has served over 30 enterprises, addressing various needs and conducting 165 training activities, resulting in nearly 10 million yuan in cost savings for these enterprises [4]. Digital Empowerment Leading Service Innovation - Ningbo Bank has developed a comprehensive service platform called "Bobo Zhila," offering 22 professional services and two specialized platforms to assist enterprises in various operational challenges [7]. - The bank has provided a 100 million yuan group credit line and utilized supply chain financial tools to offer 50 million yuan in specialized financing to a foreign trade enterprise, reducing financing costs to 2.3% [7][8]. Precision Support Accompanying Enterprise Growth - Agricultural Bank of China has supported Ningbo Longyuan Co., Ltd. throughout its growth stages, providing tailored financial products and services, including a project loan of 320 million yuan for capacity expansion [9][10]. - The bank has established a specialized branch for technology enterprises, focusing on different development stages and using a differentiated evaluation system to assess enterprises based on their core technologies and market potential [10].

Group 1 - China Export-Import Bank successfully issued financial bonds worth 5 billion yuan to support the foreign trade development of private enterprises, with a maturity of 1 year [1] - The funds raised from this bond issuance will be specifically used for credit loans in the foreign trade sector for private enterprises, indicating strong market participation and positive subscription from investors [1] - This issuance is part of the bank's efforts to enhance its policy-oriented financial functions and support the international economic cooperation and competitive advantages of private enterprises [1] Group 2 - In 2023, China Export-Import Bank has cumulatively issued 32 billion yuan in themed financial bonds for the foreign trade sector, including 27 billion yuan for enhancing foreign trade quality and 5 billion yuan for supporting foreign trade infrastructure [1] - Private enterprises are recognized as the main force in stabilizing foreign trade growth, with customs in regions like Shanghai and Guangdong implementing measures to reduce burdens and enhance efficiency for these enterprises [1][2] - Shanghai Customs introduced 33 measures to promote cross-border trade facilitation, focusing on accelerating customs clearance for key products and implementing pilot programs for smart inspections [2] Group 3 - Financial institutions are increasing support for foreign trade enterprises, with the Ningbo branch of the People's Bank of China allocating 10 billion yuan for targeted financing to support 13,000 export enterprises [3] - Ningbo Bank has launched various measures to assist foreign trade enterprises in financing, including a 24/7 online service platform for foreign exchange settlement and risk management [3]

Core Viewpoint - The digital wave and technological innovation are driving banks to break traditional service boundaries and promote inclusive financial services, with Ningbo Bank actively responding to national strategies through digitalization and technology empowerment [1][2]. Digital Transformation and Financial Services - Ningbo Bank has established specialized institutions such as technology branches and innovation departments to support technology-driven enterprises, providing full lifecycle support for sectors like semiconductors and intelligent manufacturing [2]. - The bank's "Financial Manager" system has been updated to enhance efficiency and reduce costs for enterprises, demonstrating the effectiveness of digital financial solutions [3][4]. Inclusive Finance Initiatives - Ningbo Bank focuses on providing convenient, efficient, and low-cost financing services for small and micro enterprises, addressing their financing challenges and promoting sustainable development [5][6]. - The bank's inclusive finance loan balance reached 219.94 billion yuan by the end of 2024, serving over 277,800 clients, with a decrease in interest rates by 0.6 percentage points compared to the beginning of the year [7]. Elderly Finance Development - The bank is actively developing its elderly finance business, offering a comprehensive system that includes pension finance, elderly service finance, and elderly industry finance, with over 163 products launched to support retirement planning [8]. - Ningbo Bank has provided over 1 billion yuan in credit to support smart elderly care equipment procurement and community elderly care center construction [8]. Conclusion - Ningbo Bank is committed to transforming policy guidance into tangible benefits for the public, focusing on digital empowerment to support national strategies and contribute to common prosperity [8].