分层"专属顾问" 为企业问题"答疑解惑" 让金融服务便利可得 "专属顾问"负责访客情，找需求，"融资评估"负责定方案、解难题，两者协同让金融服务更高效。"以前对贷款产品了解得不多，多亏'专属顾问'上门讲 解，还帮我们做了'融资评估'，解了原材料采购的燃眉之急。"兴安盟一位小微企业负责人的反馈，正是该模式切实助力企业发展的生动注脚。截至9月 末，兴安盟中心支行普惠小微企业贷款户数13291户，较年初增加1600余户，贷款余额42.13亿元。"顾问+评估"模式落地后，辖内各支行走访民营、小微 企业8900余户，有效提升了金融服务的覆盖面和可得性。 创新"融资评估" 为企业需求"精准画像" 企业遇到金融问题不知该问谁？内蒙古农商银行"专属顾问"来兜底。为及时解答企业融资问题，兴安盟中心支行主动对接盟工商联，全面掌握当地商会协 会、民营企业总体情况，搭建起分层顾问体系：为19个直属商会匹配"定点服务站"，让企业在家门口就能找到网点负责人当自己的"首席顾问"；为34个会 员小组配备"一对一专属顾问"，通过微信服务群实现"有问必答、有需必应"；为辖区商户组建旗县支行"专项咨询小组"，对应商户特点提供差异化咨询服 务，真正 ...

Group 1: Inclusive Finance - The core challenge of inclusive finance is the "impossible triangle" of improving accessibility, controlling risks, and lowering interest rates [3] - China's inclusive finance has made significant progress, leading the world in service scale and coverage [3] - The focus is shifting from merely expanding scale to enhancing service quality and precision, ensuring suitable product matching for different customer groups [3][4] Group 2: Digital Technology Impact - China has a notable advantage in the application of digital technology in inclusive finance, improving service efficiency and customer experience [4] - However, there is a need to be cautious about over-reliance on technology, as it does not eliminate financial risks [5] - Key points for future technology application include maintaining human involvement, adhering to risk management principles, and ensuring technology aligns with business needs [5] Group 3: New Regulations on Assistive Lending - The upcoming assistive lending regulations are seen as a corrective measure for the previously unregulated development of the industry, not a shock to the sector [6][8] - It is crucial to accurately define the boundaries of inclusive finance and assistive lending, avoiding the broadening of concepts [6][7] - The core of inclusive finance is to provide suitable financial products to vulnerable groups while ensuring that costs are manageable for both clients and financial institutions [7] Group 4: Consumer Promotion and Credit Dependency - Promoting consumption is closely linked to inclusive finance, with policies aimed at boosting consumer spending [9] - The key to stimulating consumption lies in increasing stable income for households, rather than solely relying on subsidies [9][10] - Financial support for consumption should avoid excessive dependence on credit, as it can lead to debt crises for low-income groups [10][11] Group 5: Low-Interest Rate Environment - The low-interest rate environment poses significant challenges for small and medium-sized banks, which face pressure from both depositors and loan demand [12] - Small banks should focus on identifying their core customer base and not blindly pursue scale [12][13] - Adjusting asset structures in line with new regulations can help small banks establish a competitive advantage [13]

"截至今年二季度末，仅清洁能源产业中的装备制造、设施建设和运营、抽水蓄能电站建设3个板块，信 贷余额同比分别增长40.5%、22.1%和34.7%，'滴灌效应'进一步放大。"人民银行青海省分行行长翟向祎 介绍。 作为"中华水塔"，青海省生态旅游资源丰富。但由于地处偏远，很多资源"养在深闺人未识"。"青海是 国家的生态战略要地，在荒漠治理、水土保持、林草固碳等领域投入较多但回报慢。"山成英说。 "园区里的企业基本都有自己的'碳账户'。"在青海省西宁市南川工业园区，丽豪半导体碳排放管理师李 晓静已从业超过3年，她每天的主要工作是分析企业各生产流程碳排放及企业落实碳减排情况。"此前只 能根据用电量粗略估计，现在有了绿电溯源系统，用了多少火电、多少清洁能源一清二楚，没有'糊涂 账'。" "碳账户"是人民银行青海省分行为企业量身定做的绿色账户。"'碳账户'包含碳排放和绿电使用两个维度 共计6项核心指标，我们对应建立了实施方案、业务指引、碳效评价等工作机制，引导金融机构将'碳账 户'数据纳入授信决策，为碳减排成效明显的企业在贷款利率、期限、额度方面提供优惠。"人民银行青 海省分行工作人员山成英说。 "传统企业在技术改造过 ...

Core Insights - The toy industry in Chenghai District, Shantou City, Guangdong Province, is a significant player in the global market, accounting for 33% of global toy production and housing over 60,000 enterprises and 300,000 workers [1] Group 1: Financial Support and Infrastructure Development - Agricultural Bank of China Shantou Branch is providing financial support to address challenges in equipment upgrades, site expansion, and IP development for toy companies [1] - The bank has facilitated the establishment of the Zhongke Zhigu Toy Industrial Park, which spans approximately 680 acres and has attracted 3,000 potential enterprises, offering low-interest mortgage options for industrial buildings [1] - The bank has issued 32 mortgage loans totaling over 110 million yuan for the industrial park, demonstrating its commitment to supporting local businesses [1] Group 2: Innovation and Digital Transformation - Digitalization is identified as a key factor for industry upgrade, with the Xiaoniao Cloud Platform serving 5.3 million factories and 4.2 million traders across 166 countries [1] - Agricultural Bank has provided a 10 million yuan loan within one week to support the platform's system update, showcasing its proactive approach to financing technology-driven enterprises [1] Group 3: Collaborative Efforts for High-Quality Development - The Agricultural Bank participated in a high-quality development conference for the toy industry, offering one-on-one financial consultations and promoting loan products [2] - The bank has developed service plans for 127 toy companies in Chenghai, with total loans exceeding 2.1 billion yuan, contributing to the industry's ambitious "trillion yuan blueprint" [2]

Core Viewpoint - The article discusses the emergence of new regulations in the lending industry, particularly focusing on the "assisted lending" sector, which has been criticized for hidden fees and high-interest rates that often exceed legal limits [9][10][12]. Group 1: Industry Signals - The push for new regulations in assisted lending is driven by increasing consumer complaints, with significant numbers reported regarding "usury" and "violent collection" practices [13][14]. - The original intent of consumer finance was to stimulate consumption and reduce reliance on exports and fixed asset investments, but many institutions have deviated from this goal [16][17]. - Regulatory measures have been implemented to address industry chaos, with over 300 small loan companies reportedly exiting the market due to various issues [20]. Group 2: Regulatory Changes - The new assisted lending regulations will take effect on October 1, 2025, requiring all fees to be included in the comprehensive annualized interest rate, which cannot exceed 24% [10][11]. - The regulations aim to eliminate high-interest loans in the 24%-36% range, which have been associated with high default rates [21][22]. - The market is expected to undergo significant consolidation, with a shift in market share towards compliant and well-operated platforms [22]. Group 3: Industry Response - In anticipation of the new regulations, many lending institutions are exploring new product models to circumvent the rules and maintain profitability [26][27]. - Current strategies include bundling loans with membership benefits or insurance, although these may not fully cover the costs associated with higher interest rates [28][30]. - Some companies are also offering credit risk assessment services, which may not provide substantial value to borrowers [33]. Group 4: Funding Challenges - The supply of funds for loans in the 24%-36% range is tightening, with significant shortages reported across the industry [39]. - Traditional funding sources, such as city commercial banks and small loan companies, are becoming increasingly difficult to access [38]. - There are indications that some companies may attempt to bypass regulations by using trust companies, although these are also subject to oversight under the new rules [42][43].

Core Viewpoint - The article highlights the deceptive practices of certain skill training institutions that lure consumers with promises of high-paying jobs and flexible payment options, ultimately leading to financial disputes and complaints related to "training loans" [1][5][12]. Group 1: Consumer Complaints and Trends - In the first half of 2025, consumer complaints received by national consumer associations totaled 995,971, marking a year-on-year increase of 27.23% [2]. - The financial services category saw a significant rise in complaints, with 7,564 cases reported, up from 1,882 in the same period of 2024, indicating a shift in consumer concerns [4][5]. - The education and training services category accounted for 44,126 complaints, representing 4.43% of total complaints, an increase from 3.92% in the previous year [3][4]. Group 2: "Training Loan" Scheme - The "pay after learning" scheme is identified as a method to induce loans, where institutions promote the idea of "part-time jobs to repay loans," misleading consumers into signing loan agreements without full awareness [1][5][12]. - Many consumers, particularly students, are misled by false promises of guaranteed income and are often unaware of the loan applications they are signing [5][12]. - Complaints reveal that institutions often provide vague contract terms, making it difficult for consumers to understand refund conditions, leading to high penalties for contract termination [5][12]. Group 3: Regulatory Insights - Regulatory bodies have previously warned consumers about the "training loan" traps, emphasizing the need for awareness regarding high-interest loans tied to training programs [12][14]. - The National Financial Supervision Administration has mandated that financial institutions improve consumer rights protection and transparency in loan agreements [14][16]. - The warning signs of "training loan" traps include false promises of job placement, bundled loans without clear disclosure, and hidden fees that exceed initial expectations [13][14].

Core Viewpoint - The People's Bank of China, along with several government departments, has issued guidelines to enhance financial support for new industrialization, focusing on specialized financial services for key industries and clusters [1] Financial Support for Industrialization - The guidelines emphasize improving the professionalism of financial services for characteristic industries and supporting the development of industrial clusters [1] - National banks are encouraged to establish specialized branches to provide targeted financial services to advanced manufacturing clusters, small and medium-sized enterprises, and innovative industry clusters [1] Local Banking Initiatives - Local small and medium-sized banks are urged to develop loan products that align with regional industrial characteristics, enhancing service specialization for various industry sectors [1] - Large banks are encouraged to collaborate with national-level industrial funds in the manufacturing sector to offer comprehensive financial services to advanced manufacturing clusters and small and medium-sized enterprises [1]

"以前融资需多次对接银行，提交各类资料，资金获取难，影响业务开展。现在，庐阳区金色驿站服务 又快又好，解了燃眉之急。"王艳涛说。 对于一时无法解决的企业诉求，该区统筹谋划全区优化营商环境改革方向、措施路径，出台包含31项任 务的《庐阳区优化营商环境工作三年行动方案（2025-2027年）》，并持续调度，推动营商环境各项工 作全面提升。 截至目前，该区在改进作风、访企入村专题行动中，累计走访企业632家，收集诉求280余件，现场解决 110余件，其余录入省为企服务平台闭环办理，其中98%的问题现已办理完成，并有2件问题办理情况入 选全省改进作风、访企入村专题行动正面典型案例。 一流的营商环境，正成为集聚项目、资金、人才、技术的"强磁场"。数据显示，今年1至6月，该区新签 约项目108个，协议投资额达178.78亿元。 据介绍，庐阳区坚持开门教育，聚焦企业所需，深入开展改进作风、访企入村专题行动，不少企业反 映：对政府部门的职能不够了解，有时办事不知道该找谁咨询、到哪办理、如何办理；一些新企业落 地，人生地不熟，需要与多个部门打交道，不知如何沟通等问题。 为此，庐阳区加强共性问题分析，针对能立即解决的问题，集中梳 ...

Core Insights - The establishment of the first "Technology Financial Service Station" in Shenyang, Liaoning Province aims to provide comprehensive financial services for technology-based enterprises, addressing the challenges of financing difficulties and high costs [1][2] - The service station integrates various financial resources, creating a "resource pool" and a closed-loop service chain that includes venture capital, technology loans, guarantees, and services [1] - The initiative has already facilitated 22 loans totaling 82.61 million yuan, demonstrating its effectiveness in supporting technological innovation [2] Group 1 - The "Technology Financial Service Station" is a significant measure by the Liaoning Provincial Financial Supervision Administration to innovate financial service models [1] - The station has achieved three breakthroughs: integration of financial resources, establishment of a comprehensive service chain, and a regular communication mechanism between government, financial institutions, and enterprises [1] - Shengjing Bank plays a crucial role by providing tailored financial solutions for technology enterprises at different development stages [1] Group 2 - An example of success is a certain environmental technology company that received 5 million yuan in credit within five working days, alleviating its cash flow issues and allowing for business expansion [2] - The provincial financial authority plans to promote this model across other cities in Liaoning, aiming to strengthen the financial ecosystem for technology enterprises [2] - The initiative is expected to inject strong financial momentum into the development of new productive forces and promote comprehensive revitalization in Liaoning [2]

Core Viewpoint - The company is actively responding to the policies aimed at supporting micro and small enterprises (MSEs) financing, aligning with national guidelines to enhance financial services for MSEs by 2025 [1][2]. Group 1: Financing Initiatives - The company has increased its credit investment in MSEs, conducting extensive outreach to understand their funding needs, resulting in a growing number of loans and amounts disbursed [2]. - As of now, the company has visited numerous enterprise clients, ensuring sufficient credit supply to meet MSEs' financial demands [2]. - The company is enhancing risk management and improving the quality of MSE loans while implementing supportive measures in loan pricing and performance assessments [2]. Group 2: Collaboration and Support - The company has collaborated with local authorities to create a comprehensive service list for individual businesses, addressing key pain points in financing and operational costs [3]. - A joint meeting was held to discuss the development of MSEs in the intangible cultural heritage sector, focusing on financial challenges and promotional strategies [3]. - Plans are in place to conduct promotional activities that leverage financial support to enhance the sales channels for heritage products [3]. Group 3: Financial Performance - Since the beginning of 2025, the company's retail loan balance has increased by 606 million, accounting for 55.19% of total entity loans, with an additional 1,571 retail loan accounts opened [4]. - The company aims to continue implementing the financing coordination mechanism to inject financial vitality into local MSEs, contributing to high-quality economic development [4].