11月25日，深圳金融监管局组织召开2025年第四场新闻发布会，会议介绍了深圳银行业保险业近期运行 情况，通报深圳银行业保险业稳外贸促消费有关工作举措和成效。 会上披露，前10月，深圳全市中资银行新发放外贸企业贷款7635.66亿元，同比增长9.83%；10月末，深 圳全市个人消费贷款余额8352.88亿元，同比增长4.95%。住宿餐饮、养老、托育、家政、文化娱乐、体 育等消费领域服务业经营主体贷款余额2079.96亿元，同比增长2.04%。 中小微企业是深圳经济发展的主力军。 最新数据显示，深圳全市共有超过260万家中小企业，占全市企业总数比重超99%，产值约占全市GDP 的50%。 前10月，深圳市跨境电商融资余额同比增长39.92%；小微外贸企业贷款余额同比增长20.58%。辖内保 险机构为3.1万家外贸企业提供出口信用保险保障936.90亿美元，同比增长13.80%，其中,服务中小微企 业超2.4万家。 为服务外贸领域的中小微企业，深圳市金融监管局等相关机构今年搭建了不同的服务体系。 今年4月，深圳金融监管局会同市商务局印发《深圳市深化支持小微企业融资协调工作机制加大金融支 持外贸力度工作方案》，在小 ...

11月25日，深圳金融监管局召开新闻发布会，系统介绍深圳辖内银行业保险业在稳外贸、促消费方面的 政策落地情况与阶段性成果。 数据显示，今年前10个月，深圳市中资银行新发放外贸企业贷款7635.66亿元，同比增长9.83%；跨境电 商融资余额同比增长39.92%；小微外贸企业贷款余额同比增长20.58%。深圳辖内保险机构为3.1万家外 贸企业提供出口信用保险保障936.90亿美元，同比增长13.80%，其中，服务中小微企业超2.4万家。 金融机构创新举措落地见效。微众银行、进出口银行深圳分行、出口信保深圳分公司联合推出"微贸 贷"专属产品，截至目前已为1700家小微外贸企业授信18.20亿元，直接帮助企业融资成本降低15%以 上；全国首单"跨境电商保"落地深圳后，深圳还同步推出保费补贴政策，对跨境电商阳光化企业给予 50%的保费补贴，进一步减轻企业风险保障负担。 此外，深圳还在国际贸易"单一窗口"搭建"外贸金融超市"，推动63家银行保险机构完成系统对接，上线 229个金融产品，为外贸企业提供交易结算、贸易融资等"一站式"跨境服务。截至10月末，深圳银行机 构累计走访外贸企业4.74万户，新增授信3125.95亿 ...

Core Viewpoint - The insurance industry is transitioning from a focus on post-disaster compensation to proactive risk prevention, particularly in high-density urban areas like Shenzhen, where natural disasters are frequent and diverse needs are emerging [1][3]. Industry Transformation - The insurance sector is evolving to meet the complex and diverse demands of society, moving towards high-quality development rather than internal competition [1][7]. - The implementation of the "reporting and operation in one" policy aims to address high commission fees and unhealthy competition, creating a fairer environment for the industry [7][9]. Risk Prevention Initiatives - The company has developed a "disaster prevention" model utilizing IoT technology to enhance risk reduction, such as installing IoT devices in 3,300 small and medium-sized restaurants and school canteens in Shenzhen to detect gas leaks [3][4]. - A comprehensive risk management mechanism has been established, focusing on disaster prevention, response, and post-event review, exemplified by the proactive measures taken during Typhoon "Hagupit" [4][5]. Technological Empowerment - The company has developed the "Eagle Eye System" (DRS), integrating over 420 million geospatial data units to create a comprehensive risk management system that covers disaster warning and claims processing, achieving a 70% average accuracy rate in disaster warnings [6][12]. Product and Service Innovation - The company is actively innovating insurance products to support emerging industries, such as technology insurance for AI and low-altitude economy sectors, and has launched the first comprehensive insurance for technology trials in Shenzhen [11][12]. - A pilot program for "cross-border e-commerce insurance" was initiated, offering various insurance products tailored to the needs of cross-border e-commerce businesses [12][13]. Cross-Border Insurance Development - The company has introduced specialized services for cross-border vehicle insurance, including a dedicated Cantonese service channel and expedited claims processes, significantly reducing the claims cycle [13]. - In the shipping insurance sector, the company has achieved over 50% annual premium growth by developing insurance products tailored to the cross-border logistics needs of e-commerce and supply chain companies [13].

Core Insights - The overall performance of Shenzhen's banking and insurance sectors in the first half of 2025 is stable, with significant growth in various financial metrics [3][4][5] Banking Sector Summary - As of June 30, 2025, the total assets of the banking sector in Shenzhen reached 13.98 trillion yuan, a year-on-year increase of 3.64% - The total liabilities amounted to 13.61 trillion yuan, growing by 3.7% year-on-year - The balance of various loans was 9.83 trillion yuan, up by 3.46% year-on-year, while the balance of deposits was 10.22 trillion yuan, reflecting a growth of 6.70% year-on-year [3] Insurance Sector Summary - The insurance sector achieved original insurance premium income of 121.31 billion yuan in the first half of 2025, marking a year-on-year increase of 7.96%, the highest growth rate among first-tier cities - Claims paid out reached 38.74 billion yuan, with an increase of 8.84% year-on-year [3] Economic Support Initiatives - The Shenzhen Financial Regulatory Bureau has implemented measures to support the stable operation of the local economy, including enhancing consumer finance services, with personal consumption loans reaching 817.70 billion yuan, a year-on-year growth of 7.63% [4] - A total of 1.12 trillion yuan in loans was provided to foreign trade enterprises, with small and micro foreign trade enterprises receiving 124.53 billion yuan, up by 5.43% year-on-year [3] Focus on Key Sectors - Financial support for the manufacturing sector has been emphasized, with manufacturing loans totaling 1.61 trillion yuan, a year-on-year increase of 6.47% - High-tech manufacturing loans reached 1.03 trillion yuan, growing by 6.73% year-on-year [4] Support for Small and Micro Enterprises - The financial support for small and micro enterprises has been enhanced, with a total of 667.49 billion yuan in loans issued, leading the growth among major cities - The balance of inclusive small and micro enterprise loans was 1.96 trillion yuan, reflecting a year-on-year increase of 6.59% [5] Enhancements in Public Welfare Insurance - The launch of the "Shenzhen Huijia Bao" insurance product aims to improve disaster resilience for citizens, with 34,800 policies issued and premium income of 2.28 million yuan since its launch [6] - The "Shenzhen Huimin Bao" insurance product has been upgraded to expand coverage while maintaining premium rates, with 6.15 million participants [6]

Group 1 - The overall performance of the banking and insurance sectors in Shenzhen is stable, with notable highlights such as a more than 5% year-on-year increase in loans to small and micro foreign trade enterprises and high-tech manufacturing loans exceeding 1 trillion yuan [1][2] - As of June 30, the total assets of the banking sector under the Shenzhen Financial Regulatory Bureau reached 13.98 trillion yuan, a year-on-year increase of 3.64%, while total liabilities were 13.61 trillion yuan, up 3.70% [1] - The insurance sector achieved original premium income of 121.31 billion yuan in the first half of the year, representing a year-on-year growth of 7.96%, the highest growth rate among first-tier cities [1] Group 2 - Shenzhen is recognized as a "cross-border e-commerce capital," with financial support playing a crucial role in achieving high-quality growth. The Shenzhen Financial Regulatory Bureau has introduced measures to promote foreign trade development, including innovative financial products for cross-border e-commerce [2] - As of June 30, loans to foreign trade enterprises in Shenzhen amounted to 1.12 trillion yuan, with loans to small and micro foreign trade enterprises reaching 124.53 billion yuan, a year-on-year increase of 5.43% [2] - The manufacturing sector in Shenzhen saw a loan balance of 1.61 trillion yuan, with high-tech manufacturing loans at 1.03 trillion yuan, reflecting a year-on-year growth of 6.73% [3] Group 3 - Shenzhen is enhancing financial support for key areas, including real estate financing, with 403 projects approved under a "white list" mechanism, amounting to 549.30 billion yuan [3] - The city is also advancing pension finance innovation, with 5.57 million personal pension accounts opened and total contributions of 7.11 billion yuan as of June 30 [3] - Four pilot pension companies in Shenzhen have opened 116,200 commercial pension accounts, with sales amounting to 18.34 billion yuan [3]

Core Insights - The Shenzhen banking and insurance sectors demonstrated stable performance in the first half of 2025, with significant growth in various financial metrics [1][2] Banking Sector Summary - As of the end of June 2025, the total assets of the banking sector in Shenzhen reached 13.98 trillion yuan, a year-on-year increase of 3.64% - The total liabilities amounted to 13.61 trillion yuan, growing by 3.7% year-on-year - The balance of various loans was 9.83 trillion yuan, up by 3.46% year-on-year, while the balance of deposits reached 10.22 trillion yuan, reflecting a growth of 6.70% year-on-year [1] Insurance Sector Summary - The insurance sector achieved original premium income of 121.31 billion yuan in the first half of 2025, marking a year-on-year growth of 7.96%, the highest among first-tier cities - Claims paid out totaled 38.74 billion yuan, an increase of 8.84% year-on-year [1] Economic Support Initiatives - The Shenzhen Financial Regulatory Bureau has been actively supporting the stable operation of the local economy, with personal consumption loans reaching 817.70 billion yuan, a year-on-year increase of 7.63% [2] - Measures to support foreign trade included the introduction of 20 specific initiatives, with foreign trade enterprise loans totaling 1.12 trillion yuan, and small and micro foreign trade enterprise loans at 124.53 billion yuan, up by 5.43% year-on-year [2] Financial Support for Key Sectors - The manufacturing sector's loan balance reached 1.61 trillion yuan, growing by 6.47% year-on-year, with high-tech manufacturing loans at 1.03 trillion yuan, up by 6.73% [3] - Real estate financing mechanisms have been enhanced, with 403 approved projects totaling 549.30 billion yuan, of which 403.97 billion yuan has been disbursed [3] Support for Small and Micro Enterprises - The total loans issued to small and micro enterprises reached 667.49 billion yuan, leading among major cities, with a balance of inclusive small and micro enterprise loans at 1.96 trillion yuan, growing by 6.59% year-on-year [4] - The "Park Loan" 2.0 implementation plan has been launched to improve financial services for enterprises in industrial parks [4] Enhancements in Public Welfare Services - The "Shenzhen Huijia Bao" insurance product has been introduced to improve disaster resilience, with 34,800 policies issued and premium income of 2.28 million yuan since its launch [5] - The "Shenzhen Huimin Bao" for 2025 has expanded coverage while maintaining premium rates, with 6.15 million participants [5] - As of June 2025, 5.57 million personal pension accounts have been opened, with total contributions of 7.11 billion yuan [5]

Core Viewpoint - The article discusses the operational performance of Shenzhen's banking and insurance sectors in the first half of 2025, highlighting the achievements in industry reform and future work plans [2]. Banking Sector Summary - As of the end of June 2025, the total assets of the banking sector in Shenzhen reached 13.98 trillion yuan, a year-on-year increase of 3.64% [4] - The total liabilities amounted to 13.61 trillion yuan, growing by 3.7% year-on-year [4] - The balance of various loans was 9.83 trillion yuan, reflecting a year-on-year growth of 3.46% [4] - The balance of various deposits reached 10.22 trillion yuan, with a year-on-year increase of 6.70% [4] Insurance Sector Summary - The insurance sector achieved original insurance premium income of 121.31 billion yuan in the first half of 2025, marking a year-on-year growth of 7.96%, the highest among first-tier cities [4] - Claims paid out amounted to 38.74 billion yuan, which is an increase of 8.84% year-on-year [4] Key Initiatives and Support Measures - The Shenzhen Financial Regulatory Bureau has focused on supporting the stable operation of the local economy, enhancing consumer finance services, and promoting foreign trade development [5] - As of June 2025, the balance of personal consumer loans was 817.70 billion yuan, up by 7.63% year-on-year [5] - The balance of loans for foreign trade enterprises reached 1.12 trillion yuan, with small and micro foreign trade enterprises holding 124.53 billion yuan, a year-on-year increase of 5.43% [5] Financial Support for Key Sectors - The banking and insurance institutions are encouraged to enhance financial services for the manufacturing sector, with the balance of manufacturing loans at 1.61 trillion yuan, a year-on-year increase of 6.47% [6] - High-tech manufacturing loans reached 1.03 trillion yuan, growing by 6.73% year-on-year [6] Support for Small and Micro Enterprises - The financial support for small and micro enterprises has been emphasized, with a total of 667.49 billion yuan in loans issued, the highest among major cities [7] - The balance of inclusive small and micro enterprise loans was 1.96 trillion yuan, reflecting a year-on-year growth of 6.59% [7] Enhancements in Public Welfare and Insurance Services - The introduction of the "Shenzhen Huijia Bao" insurance product aims to improve disaster resilience for citizens, with 34,800 policies issued and premium income of 2.28 million yuan since its launch [8] - The "Shenzhen Huimin Bao" insurance product has expanded its coverage, now including more demographics and increasing the number of insured individuals to 6.15 million [8] - As of June 2025, 22 banks in Shenzhen opened 5.57 million personal pension accounts, with total contributions of 7.11 billion yuan [8]

Group 1 - The overall performance of Shenzhen's financial industry is stable, with several highlights emerging, including a year-on-year increase of over 5% in loans to small and micro foreign trade enterprises and a high-tech manufacturing loan balance exceeding 1 trillion yuan [1][2] - As of June 30, the total assets of the banking sector regulated by Shenzhen Financial Regulatory Bureau reached 13.98 trillion yuan, a year-on-year growth of 3.64%, while total liabilities were 13.61 trillion yuan, up 3.70% [1] - The insurance sector reported a premium income of 121.31 billion yuan in the first half of the year, marking a year-on-year increase of 7.96%, the highest growth rate among first-tier cities [1] Group 2 - Shenzhen is recognized as a "cross-border e-commerce capital," with financial support playing a crucial role in achieving high-quality growth, including the introduction of 20 specific measures to support foreign trade development [2] - The loan balance for foreign trade enterprises in Shenzhen reached 1.12 trillion yuan, with small and micro foreign trade enterprises seeing a loan balance of 124.53 billion yuan, a year-on-year increase of 5.43% [2] - The manufacturing loan balance in Shenzhen reached 1.61 trillion yuan, with high-tech manufacturing loans at 1.03 trillion yuan, reflecting a year-on-year growth of 6.73% [3] Group 3 - Shenzhen is enhancing financial support for key sectors, including real estate, with a coordinated financing mechanism that has approved 403 projects with a total amount of 549.30 billion yuan [3] - The city is advancing pension finance innovation, with 5.71 million personal pension accounts opened and total contributions of 7.11 billion yuan as of June 30 [3] - Four pilot pension companies in Shenzhen have opened 116,200 commercial pension accounts, with sales amounting to 18.34 billion yuan [3]

Core Insights - The Shenzhen banking and insurance sectors have made significant achievements in supporting the real economy, promoting technological innovation, and deepening reform and opening up during the first half of 2025 [11][12] Banking Sector Performance - As of the end of June, the total loan balance in Shenzhen's banking sector reached 9.83 trillion yuan, a year-on-year increase of 3.46% [2] - The total assets of the banking sector amounted to 13.98 trillion yuan, growing by 3.64% year-on-year, while total liabilities reached 13.61 trillion yuan, up 3.70% [2] - The balance of various deposits was 10.22 trillion yuan, reflecting a year-on-year growth of 6.70% [2] Insurance Sector Performance - Shenzhen's insurance sector achieved original premium income of 121.31 billion yuan in the first half of the year, marking a year-on-year increase of 7.96%, the highest growth rate among first-tier cities [2] - Claims paid out amounted to 38.74 billion yuan, which is an increase of 8.84% year-on-year [2] Consumer Loans - The balance of personal consumption loans in Shenzhen reached 817.70 billion yuan, with a year-on-year growth of 7.63% [3] - The financial regulatory authority has implemented measures to enhance consumer finance services and support foreign trade development [3] Manufacturing Sector Support - The balance of loans to the manufacturing sector was 1.61 trillion yuan, reflecting a year-on-year increase of 6.47% [4] - High-tech manufacturing loans reached 1.03 trillion yuan, growing by 6.73% year-on-year [4] Support for Small and Micro Enterprises - The balance of inclusive loans for small and micro enterprises was 1.96 trillion yuan, with a year-on-year increase of 6.59%, significantly higher than the average growth rate of all loans [5] - The financial authority has launched initiatives to improve financing conditions for small and micro enterprises [5] Technological Innovation Financing - The total amount of technology loans from banking institutions exceeded 2 trillion yuan [6][7] - Technology insurance generated premium income of 1.88 billion yuan, providing risk coverage of nearly 3.12 trillion yuan [7] Cross-Border Financial Cooperation - Loans to enterprises in Qianhai increased by 12.16% compared to the beginning of the year, reaching 503.84 billion yuan [8] - The financial authority has introduced a development action plan to enhance financial cooperation and support for Qianhai [8] Pension and Social Insurance Initiatives - A total of 5.57 million personal pension accounts have been opened, with cumulative deposits of 7.11 billion yuan [10] - The "Shenzhen Huijia Bao" insurance product has been launched to improve disaster resistance for citizens [10]

Banking Industry Overview - As of June 2025, Shenzhen's banking sector assets totaled 13.98 trillion yuan, a year-on-year increase of 3.64% [1] - Total liabilities reached 13.61 trillion yuan, growing by 3.70% year-on-year [1] - The balance of various loans was 9.83 trillion yuan, up 3.46% year-on-year, while deposits amounted to 10.22 trillion yuan, reflecting a 6.70% increase [1] Insurance Sector Performance - The insurance industry in Shenzhen reported original premium income of 121.31 billion yuan in the first half of 2025, marking a 7.96% year-on-year growth, the highest among first-tier cities [1] - Claims paid out reached 38.74 billion yuan, an increase of 8.84% year-on-year [1] Financial Support for Key Sectors - Manufacturing loans in Shenzhen amounted to 1.61 trillion yuan, with a year-on-year growth of 6.47% as of June 2025 [2] - High-tech manufacturing loans reached 1.03 trillion yuan, growing by 6.73% [2] - Real estate financing has been enhanced, with 403 approved projects totaling 549.30 billion yuan, of which 403.97 billion yuan has been disbursed [2] Consumer Finance and Small Business Support - Personal consumer loans in Shenzhen totaled 817.70 billion yuan, reflecting a year-on-year increase of 7.63% [2] - The balance of inclusive small and micro enterprise loans was 1.96 trillion yuan, growing by 6.59%, significantly higher than the average loan growth rate [3] Support for Foreign Trade - Loans to foreign trade enterprises reached 1.12 trillion yuan, with small and micro foreign trade enterprise loans at 124.53 billion yuan, a 5.43% increase [3] - Export credit insurance coverage amounted to 53.10 billion USD, up 7.97%, serving 24,000 enterprises [3] Social Welfare and Insurance Innovations - The "Shenzhen Huijia Bao" insurance product has been launched, covering 34,800 policies with a premium income of 2.28 million yuan since its launch [4] - The "Shenzhen Huimin Bao" has expanded its coverage to include more demographics, with 6.15 million participants [4] - As of June 2025, 5.57 million personal pension accounts have been opened, with total contributions of 7.11 billion yuan [4]