Core Insights - The financial situation in Shenzhen has shown stable growth in the first half of 2025, with significant support for the real economy [1] - The credit structure continues to optimize, with a focus on technology innovation, inclusive small and micro enterprises, and green development [3][4] Financial Overview - As of June 2025, the total deposits in Shenzhen reached 14.16 trillion yuan, an increase of nearly 600 billion yuan since the beginning of the year [1] - The total loans amounted to 9.85 trillion yuan, growing by over 350 billion yuan compared to the start of the year [1] Credit Structure Optimization - The balance of technology loans reached 2.1 trillion yuan, inclusive small and micro loans nearly 2 trillion yuan, green loans 1.3 trillion yuan, and digital economy loans also 1.3 trillion yuan, all growing faster than the overall loan growth rate [3] - The average interest rate for newly issued corporate loans dropped to 2.85% in June 2025, a year-on-year decrease of 0.52 percentage points [3] Policy Implementation - The People's Bank of China (PBOC) implemented a series of monetary policy measures that quickly took effect in Shenzhen, releasing 61.4 billion yuan through reserve requirement ratio cuts [3] - The PBOC has also utilized various tools to support technology innovation and consumption, with over 410 billion yuan in technology re-loans benefiting more than 1850 technology enterprises [3] Green Finance Initiatives - The PBOC in Shenzhen has collaborated with the local ecological environment bureau to support green infrastructure and energy projects, with green loans growing by 25.4% since the beginning of the year [5] Inclusive Finance Development - Shenzhen has established mechanisms to enhance credit access for small and medium-sized enterprises, with over 33 billion yuan in loans issued to more than 110,000 small businesses [6] - The balance of loans to the private economy reached 4.26 trillion yuan, with an increase of 849.75 billion yuan since the start of the year [6] Digital Finance Progress - The digital yuan pilot has seen nearly 30 million wallets opened, with 3,800 prepaid business institutions managing nearly 3.1 billion yuan [7] - The cross-border financial services have expanded significantly, with Shenzhen banks handling cross-border payments amounting to 472 billion yuan, accounting for nearly 50% of the Greater Bay Area [8][9]

Core Insights - The People's Bank of China (Shenzhen Branch) reported a significant increase in both deposits and loans in Shenzhen, with total deposits reaching 14.16 trillion yuan and loans at 9.85 trillion yuan by the end of June 2025, marking increases of nearly 600 billion yuan and over 350 billion yuan respectively [1][2] - Shenzhen has established a credit structure with significant balances in technology and inclusive loans, each reaching 2 trillion yuan, and green and digital economy loans at 1 trillion yuan each, positioning it among the top cities in China [1][3] - The issuance of technology innovation bonds has been notable, with 14 bonds issued totaling over 200 billion yuan, supporting various technology enterprises [2][3] Financial Performance - As of June 2025, the average interest rate for new corporate loans in Shenzhen was 2.85%, a decrease of 0.52 percentage points year-on-year, indicating a low financing cost environment [1][2] - The implementation of a series of monetary policy measures, including a reserve requirement ratio cut that released 61.4 billion yuan into the economy, has bolstered support for the real economy [2][3] Sectoral Focus - The credit allocation in Shenzhen is heavily directed towards key sectors such as technology innovation, inclusive small and micro enterprises, and green development, with technology loans at 2.1 trillion yuan and inclusive loans nearing 2 trillion yuan [3][4] - Green finance initiatives have led to a 25.4% increase in loans for green ports, waterways, and shipbuilding, reflecting a strong commitment to sustainable development [3][4] Cross-Border Finance - Shenzhen has seen a significant increase in cross-border RMB transactions, with a total of 27.63 trillion yuan in cross-border payments in the first half of 2025, a year-on-year growth of 24.3% [4][5] - The "Cross-Border Wealth Management Connect" initiative has attracted approximately 30,000 new individual investors, with total cross-border payment amounts reaching 47.2 billion yuan [5][6] Consumer Trends - Foreign consumer spending in Shenzhen has increased significantly, with non-cash payment transactions reaching 85.88 million and 11.81 billion yuan in the first half of 2025, representing year-on-year growth of 29% and 35% respectively [6][7] - The top three source countries for inbound consumption in Shenzhen are South Korea, the United States, and Singapore, contributing nearly 30% of total consumption [6][7]

深圳金融管理部门联合市场监管部门推出首款质量融资增信产品"深质贷"，依托企业质量能力、资质等 要素，帮助企业质量品牌的"无形资产"转化为融资增信的"有形资产"。辖内银行已运用"深质贷"为112 家企业授信超4.5亿元。2025年以来，人民银行深圳市分行联合深圳市财政局、深圳市国资委等部门推 出"跨越贷"，推动地方征信平台、政府性融资担保机构、银行三方合作，发挥"征信画像+融资增信"作 用，帮助更多"无贷户"跨越信贷可得边界，推出两个月就帮助17家"无贷户"企业获得贷款金额4880万 元。 深圳市工商联与工、农、中、建、交行在内的23家银行签订了战略协议，为深圳民营企业提供4200亿授 信额度。特别是今年以来，市工商联积极协调各大银行，推动银行机构坚定贯彻不抽贷、不断贷的政策 原则，为受关税影响的企业提供稳定的信贷支持。组织多场银企对接会，搭建沟通桥梁，深入了解企业 资金需求和经营困境，鼓励银行根据企业实际情况，灵活调整信贷策略，如延长贷款期限、调整还款方 式、增加授信额度等，帮助企业缓解资金周转压力。 中新网深圳7月21日电 (索有为 王晨)民营企业数量与市值均位列全国城市第一的深圳，着力促进民营经 济健康发 ...

《金融时报》记者注意到，为推动科技创新，助力科技服务业高质量发展，各方积极配合、协同发展， 科技金融正成为科技发展的"硬支撑"。作为金融与实体企业之间的桥梁，融资担保的风险分担功能正发 挥着积极作用。 何为科技服务业？科技服务业是指运用现代科学知识和技术手段，围绕科技创新全链条发展、科技成果 高效率转化，向社会提供智力服务的新兴产业，具有人才智力密集、科技含量高、产业附加值大、辐射 带动作用强等特点。 近年来，我国将科技服务业作为重要新兴产业，加快全面发展和转型升级，科技服务业规模持续保持较 快增长。2019年至2023年，规上科技服务业企业营收年均增长12.3%。2024年，全国技术合同成交额达 6.8万亿元，同比增长11.2%，连续8年保持两位数增长，提前完成《"十四五"技术要素市场专项规划》 确定的5万亿元目标。 然而，科技型企业在发展中仍面临一些困难。例如，相较于传统企业，科技型企业往往呈现高风险、高 成长特性，且普遍具有轻资产属性。其资产构成以知识产权、专利技术等无形资产为主，这类资产价值 评估难度较大，缺少厂房、土地等传统抵质押物，因此在融资过程中更易面临融资渠道受限、融资成本 较高等困境。 近日 ...

Core Viewpoint - The People's Bank of China Shenzhen Branch, along with nine other departments, has issued the "Implementation Opinions" to accelerate the digital transformation of financial institutions and support the development of a "Digital Shenzhen" model through 18 specific measures aimed at enhancing digital finance innovation and governance [1] Group 1: Digital Transformation and Innovation - The "Implementation Opinions" require financial institutions to establish a coordinated mechanism led by top management to enhance cross-departmental resource allocation and task supervision, promoting the application of artificial intelligence and domestic reasoning models [2] - Financial institutions are encouraged to leverage major national strategic platforms to expand cross-border cooperation with Hong Kong and innovate in supply chain finance [2] Group 2: Product Development and Services - Financial institutions are urged to utilize digital technologies such as AI and big data to create innovative products like "Tengfei Loan," "Carbon Reduction Loan," and "Cross-border Loan," while exploring data asset credit enhancement and green financial products [3] - The "Implementation Opinions" promote the development of standardized, traceable green bonds and insurance products, as well as the innovation of cross-border financial services using blockchain technology [3] Group 3: Payment and Credit Systems - The document emphasizes the promotion of digital RMB applications in public services and supply chain finance, and the establishment of a comprehensive payment demonstration area in Shenzhen [4] - It highlights the integration of credit information across various sectors to enhance the effectiveness of financial services and support the "Five Major Articles" of finance [4] Group 4: Regulatory Framework and Risk Management - Shenzhen is focusing on financial regulatory innovation and risk prevention, having initiated testing for 15 financial technology innovation projects [5] - The "Implementation Opinions" advocate for the enhancement of digital regulatory capabilities and the establishment of a comprehensive data governance system to mitigate risks related to data privacy and security [5]

Core Viewpoint - The People's Bank of China Shenzhen Branch, along with nine other departments, has issued the "Implementation Opinions" to accelerate the digital transformation of financial institutions and support the creation of a "Digital Shenzhen" model through 18 specific measures aimed at enhancing digital finance innovation and governance [2][5]. Group 1: Digital Transformation of Financial Institutions - The "Implementation Opinions" require financial institutions to establish a coordinated mechanism led by top management to enhance digital technology application and innovation capabilities [2]. - It emphasizes the application of artificial intelligence and domestic reasoning models, as well as the research and deployment of key software and hardware technologies in finance [2]. - Financial institutions are encouraged to leverage national strategic platforms to expand cross-border cooperation and supply chain finance [2]. Group 2: Enhancing Financial Services with Digital Technology - Financial institutions are urged to utilize AI, big data, and cloud computing to create innovative financial products such as "Tengfei Loan," "Carbon Reduction Loan," and "Small Business Loan" [3]. - The "Implementation Opinions" promote the exploration of data asset credit enhancement and data security insurance services [3]. - There is a focus on developing standardized green bonds and insurance products, as well as enhancing cross-border financial services through blockchain applications [3]. Group 3: Development of Digital Financial Application Scenarios - Shenzhen has established various digital financial application scenarios, including digital RMB trials and cross-border payment platforms [4]. - The "Implementation Opinions" aim to enhance the integration of financial services and digital technologies, particularly in public services and supply chain finance [4]. - Efforts will be made to improve credit information sharing in sectors like intellectual property and green finance, utilizing a "credit + loan" mechanism [4]. Group 4: Strengthening Digital Financial Governance - The Shenzhen financial authorities are focusing on enhancing digital regulatory capabilities and risk prevention measures [5]. - The "Implementation Opinions" encourage the use of financial technology innovation regulatory tools and cooperation mechanisms within the Guangdong-Hong Kong-Macao Greater Bay Area [5]. - Financial institutions are advised to improve their data governance systems to safeguard against data breaches and privacy violations [5].

Core Viewpoint - The People's Bank of China Shenzhen Branch and other nine departments have issued the "Implementation Opinions" to support the digital financial transformation in Shenzhen, aiming to create a model for "Digital China" through 18 specific measures [1][2]. Group 1: Digital Financial Transformation - The "Implementation Opinions" emphasize the systematic promotion of digital transformation in financial institutions, enhancing the innovation capability of digital technology applications [1]. - Shenzhen aims to build a digital transformation ecosystem based on "institutional guidance + scenario innovation + technology output" [1]. - Financial institutions are required to establish a coordinated mechanism led by top management to enhance resource allocation and task supervision [1]. Group 2: Innovative Financial Products - Financial institutions are encouraged to utilize AI, big data, and cloud computing to create innovative products such as "Tengfei Loan," "Carbon Reduction Loan," and "Technology Startup Pass" [2]. - The exploration of data asset credit enhancement, data intellectual property pledge financing, and data security insurance is promoted [2]. - Development of standardized and traceable green bonds and green insurance products is encouraged, along with innovative business models like "decentralized chain loans" [2]. Group 3: Digital Currency and Cross-Border Payment - The "Implementation Opinions" outline the promotion of digital RMB applications in public services, prepaid consumption, and supply chain finance [2]. - Participation in multilateral central bank digital currency bridge projects and the development of smart contracts and digital RMB hardware wallets are highlighted [2]. - The initiative aims to establish a full-domain payment demonstration area by facilitating the interconnection of Hong Kong's rapid payment system with online payment clearing systems in Shenzhen [2].

Core Viewpoint - Shenzhen aims to establish a model for "Digital China" by leveraging its advantages in fintech and technology innovation, as outlined in the recent implementation opinions issued by multiple regulatory bodies [1][2]. Group 1: Digital Financial Transformation - The implementation opinions emphasize accelerating the digital transformation of financial institutions to enhance their innovative capabilities in digital technology [2]. - Shenzhen has developed an ecosystem for digital transformation characterized by "institutional leadership + scenario innovation + technology output" [2]. - Financial institutions are encouraged to establish a coordinated mechanism led by top management to enhance resource allocation and task supervision [2]. Group 2: Financial Innovation and Services - The opinions highlight the need to utilize digital technologies such as AI, big data, and cloud computing to improve the quality and efficiency of financial services [2]. - Specific financial products like "Tengfei Loan," "Carbon Reduction Loan," and "Cross-Border Loan" have been introduced to support various sectors, with significant loan amounts already disbursed [3]. - Financial institutions are encouraged to explore innovative services based on data assets and develop standardized green bonds and insurance products [3]. Group 3: Digital Financial Application Scenarios - The implementation opinions stress the importance of creating distinctive digital financial application scenarios in Shenzhen, particularly in areas like digital currency and cross-border payments [4][5]. - Initiatives include promoting the use of digital RMB in public services and supply chain finance, as well as enhancing cross-border payment systems [4][5]. - The integration of credit information across various sectors is also prioritized to improve the efficiency of financial services [5]. Group 4: Regulatory Framework and Governance - The opinions call for enhancing the digital governance framework for financial services, focusing on the implementation of innovative regulatory tools [5]. - Collaboration within the Guangdong-Hong Kong-Macao Greater Bay Area is emphasized to improve regulatory digitalization and risk prevention [5]. - Financial institutions are urged to establish comprehensive data governance systems to safeguard data privacy and security [5].

2025年4月23日，人民银行深圳市分行、国家外汇管理局深圳市分局联合举行2025年第一季度新闻发布 会，详细介绍了深圳金融运行情况及在金融"五篇大文章"——科技金融、绿色金融、普惠金融、数字金 融以及跨境金融方面的最新进展与成效。 据悉，为深入贯彻《国务院办公厅关于做好金融"五篇大文章"的指导意见》，在中国人民银行和国家外 汇管理局的指导下，在深圳市委、市政府的支持下，人民银行深圳市分行牵头出台了深圳金融"五篇大 文章"各领域实施方案，强化金融政策与产业政策的协同配合，构建了"1+5"精细化政策框架。 数据显示，截至一季度末，全市科技型企业贷款余额达到1.23万亿元，绿色贷款余额为1.27万亿元，普 惠小微贷款余额为1.90万亿元，均居全国各城市前列，彰显了深圳在金融"五篇大文章"方面的显著成 效。 在绿色金融领域，深圳同样走在全国前列。人民银行深圳市分行通过完善激励约束机制、开展金融机构 绿色金融评估等措施，有效推动了绿色金融的发展。同时，联合市生态环境局、发改委等部门做好气候 投融资等项目融资对接，持续推动碳减排支持工具落地。截至一季度末，商业银行发放碳减排贷款金额 达到180亿元。联合市生态环境局、地 ...

北京商报讯（记者 刘四红）4月23日，人民银行深圳市分行、国家外汇管理局深圳市分局举行2025年一 季度新闻发布会，介绍深圳金融运行有关情况。 会上介绍，截至2025年一季度末，全市科技型企业贷款余额1.23万亿元，绿色贷款余额1.27万亿元，普 惠小微贷款余额1.90万亿元，居全国各城市前列。 其中，运用科技创新和技术改造贷款支持"两重两新"，已落地贷款金额超过300亿元。推动"腾飞贷""科 技初创通"特色品牌增量扩面，24家银行为82家企业通过"腾飞贷"模式发放贷款24.5亿元；"科技初创 通"助力2516家企业获得贷款27.5亿元。持续推动金融支持新能源汽车"12条"落实落细，综合运用多种 结构性货币政策工具为产业链企业提供低成本融资超过160亿元。 普惠金融利民惠企。牵头出台20条金融支持举措力挺深圳民营经济创新发展。"个体通""小微通""深质 贷"累计服务小微企业及个体工商户超11万户，提供授信近20亿元。联合市财政、国资等部门印发《"跨 越贷"试点方案》，为"无贷户"提供"企业有画像、贷前有担保"的服务体系，17家企业获批贷款4880万 元。 数字金融提质增效。持续实施金融科技创新监管工具，开展" ...