作为深圳践行普惠金融的一股重要力量，平安融易深圳分公司以数字化为利刃，提升普惠金融服务质 效，坚守服务小微初心，持续践行普惠金融的时代使命，也与深圳这座普惠之城同频共振。日前，在南 方都市报2025(第十一届)湾区金融年会上，平安融易深圳分公司获年度普惠金融服务大奖。 在市政工程领域深耕多年的陈先生近日凭借一项亿元级市政项目崭露头角，却因1000万元流动资金缺口 陷入交付保证金的困境。平安融易深圳分公司龙华咨询中心咨询顾问以"闪电式"服务速度，通过宅E贷 产品3天内完成全流程放款，不仅助其成功中标，更以专业服务赢得客户赞誉。这一案例成为平安融 易"顾问式服务"助力小微经济发展的生动注脚，也是深圳这座"普惠金融之城"的一抹亮色。 今年以来，深圳金融业服务实体经济的能力持续增强。按照监管部门公布的上半年金融成绩单，深圳形 成"科技、普惠"比翼双飞局面， 其中普惠型小微企业贷款余额1.90万亿元，连续五年稳居全国大中城市 首位。 一对一"身边服务" 让金融活水精准滴灌小微企业 "3天内交付1000万保证金"，这看似不可能完成的任务，却被平安融易深圳分公司的咨询顾问戴春飞轻 松化解。面对陈先生的紧急需求，戴春飞通过深 ...

平安银行近期则聚焦贷款额度与利率灵活性，推出年末购车"最低0息起"活动，1万元起贷，最高额度可 达100万元，适配从经济型轿车到豪华车型的不同购车需求。贴息后新车贷款年化利率区间为0%—10% （单利）。 此外，中原银行近期上线的"购车宝典"介绍了该行的车e贷产品。该产品向自然人借款人发放，用于满 足其日常使用、不以营利为目的的自用车贷款。线上签约审批，额度最高可达300万元，年利率4.37% 起（单利）。 上海金融与法律研究院研究员杨海平对《证券日报》记者表示，银行在年末密集加大汽车消费金融优惠 力度，背后有两大核心考量：一是年底是购车消费的旺季，商业银行加大汽车消费金融优惠旨在抢抓市 场机遇。二是国家和地方政府密集出台提振消费的措施，鼓励汽车消费是其中的重点之一，商业银行此 举也是响应政策的具体体现。 记者了解到，当前银行汽车消费金融业务正加速告别粗放式扩张，逐步迈入以场景化、数字化、个性化 服务为核心的精细化运营新阶段。 本报记者 彭妍 上海冠苕信息咨询中心创始人周毅钦表示，汽车消费金融作为商业银行零售业务重要增长点，年末加码 优惠不仅能帮助银行提升信贷规模、优化业务结构，还能通过零利率、线上秒批等特色 ...

Core Viewpoint - The automotive consumer finance business of banks is entering a "sprint period" as the year-end car purchasing season approaches, with various banks launching attractive loan schemes to stimulate demand and enhance customer experience [1][2]. Group 1: Marketing Strategies - Multiple banks, including Postal Savings Bank and Ping An Bank, are intensifying marketing efforts for auto loans, offering incentives such as 0% interest rates and financial subsidies [2][3]. - Postal Savings Bank has introduced a special offer for the newly launched BJ40 model, providing up to 4,500 yuan in financial subsidies, with annual interest rates ranging from 0% to 6% [2]. - Ping An Bank's auto loan program features a minimum interest rate of 0% and allows loans from 10,000 yuan up to 1 million yuan, with personalized service for loan approval [2]. Group 2: Market Trends - The automotive consumer finance sector is becoming a focal point for banks amid slowing retail credit growth and increasing scarcity of quality assets [3]. - As of September, Ping An Bank's auto consumer finance loan balance reached 300.3 billion yuan, a 2.2% increase from the previous year, with new energy vehicle loans growing by 23.1% [3]. - Shanghai Bank reported an auto consumer loan balance of 50.33 billion yuan, up 16.95% year-on-year, with new energy vehicle loans increasing by 63.08% [3]. Group 3: Policy Adjustments - Some banks, like Guangfa Bank, are relaxing early repayment rules for auto loans to enhance customer experience and service levels [4][5]. - Guangfa Bank has removed the previous restriction that prevented borrowers from applying for early repayment before the sixth payment, allowing applications from the first payment onward [5]. - The adjustment aims to balance risk and customer satisfaction, with expectations for further relaxation of early repayment rules in the future [5]. Group 4: Regulatory Environment - The automotive finance sector is transitioning from a "high interest, high return" model to a focus on service excellence due to regulatory pressures [6][7]. - Regulatory bodies have mandated the cessation of high-interest, high-return practices, promoting a healthier automotive finance market [6]. - Banks are encouraged to innovate and provide personalized services while ensuring consumer rights are protected [7][8].

Core Viewpoint - The automotive consumer finance business of banks is entering a "sprint period" as the year-end car purchasing season approaches, with various banks launching attractive loan schemes to stimulate demand and enhance customer experience [1][3]. Group 1: Marketing Strategies - Multiple banks, including Postal Savings Bank and Ping An Bank, are intensifying marketing efforts for auto loans, offering incentives such as 0% interest rates and financial subsidies [3][4]. - Postal Savings Bank is providing up to 4,500 yuan in financial subsidies for specific new models, with annual interest rates ranging from 0% to 6% [3]. - Ping An Bank has introduced a year-end promotion with a minimum interest rate of 0%, allowing loans from 10,000 yuan to 1 million yuan, with specific terms based on loan approval [3][4]. Group 2: Market Trends - The automotive consumer finance sector is becoming a focal point for banks amid slowing retail credit growth and increasing scarcity of quality assets [4][5]. - As of September, Ping An Bank's automotive consumer finance loan balance reached 300.3 billion yuan, a 2.2% increase from the previous year, while personal loans for new energy vehicles saw a 23.1% year-on-year growth [4]. - Shanghai Bank reported an automotive consumer loan balance of 50.33 billion yuan, up 16.95% year-on-year, with new energy vehicle loans growing by 63.08% [5]. Group 3: Regulatory Changes - Some banks are relaxing early repayment restrictions to improve customer experience and adapt to competitive market conditions [6][7]. - For instance, Guangfa Bank has adjusted its early repayment penalty structure, allowing borrowers to apply for early repayment from the first repayment date, maintaining an 8% penalty on the remaining principal for the first 12 months [6][7]. - Analysts suggest that further relaxation of early repayment rules may occur to enhance market competitiveness and customer retention [7]. Group 4: Industry Transformation - The automotive finance sector is shifting from high-interest, high-reward models to a focus on service and customer experience due to regulatory pressures [8][9]. - Banks are encouraged to innovate and provide personalized financial products that align with consumer needs, integrating financial services into the entire car purchasing process [9][10]. - The emphasis is on creating a comprehensive ecosystem that covers the entire lifecycle of vehicle ownership, leveraging technology for improved efficiency and risk management [9][10].

作为扎根重庆的非公金融企业，平安融易（江苏）融资担保有限公司重庆分公司（以下简称：平安融易重庆分公司）始终以党建为引领，深度融入国家"十 五五"规划发展大局，将党的政治优势、组织优势转化为服务实体经济的发展优势。截至今年三季度末，公司在保余额达24.08亿元，其中中小微企业在保规 模超16.30亿元，以实际行动践行"专业创造价值"的企业文化，与国家战略同频共振，为重庆经济高质量发展注入强劲动能。 根据"十五五"规划中"推进旅游强国建设"的部署，重庆作为国内外旅游热门城市，平安融易重庆分公司精准锚定旅游服务、酒店经营等细分领域，将党建引 领转化为服务小微企业的具体行动。 据国庆中秋旅游相关数据显示，重庆近年来旅行定制出行产品显著提升，重庆团队游及定制出行产品接待人次同比提升195.40%，出团销售额增长75.31%。 旅游业的小微企业融资需求日益迫切，公司的主动服务模式正精准匹配这一市场趋势。 从事旅游商贸的小微企业主李女士对此深有感触。随着重庆旅游业持续升温，外地游客包车私家团需求激增，她计划采购GL8、考斯特等商务用车扩大经 营，但大额现金流缺口让她犯了难。平安融易咨询顾问主动上门了解情况后，向其推荐了"微 ...

Core Viewpoint - The company emphasizes the integration of party leadership with financial services to drive high-quality development in the micro and small enterprise sector in Zhejiang, showcasing a model of "Party Building + Public Welfare" and "Party Building + Support for Micro Enterprises" [1][4]. Group 1: Party Leadership and Financial Services - The company constructs a dual-driven strategy of "Party Building + Support for Micro Enterprises" and "Party Building + Public Welfare Insurance" to transform party ideology into practical service for the real economy [1]. - A team led by party members conducts in-depth visits to micro enterprises, tailoring financing solutions based on detailed understanding of their operational status and financing needs [2][3]. - The company has developed a professional offline team that combines service awareness with expertise, enhancing service quality through continuous training and education [2]. Group 2: Case Studies of Financial Support - A case is highlighted where a technology entrepreneur faced financing barriers due to insufficient collateral; the company facilitated a financing solution that provided 100,000 yuan on the same day, enabling innovation to flourish [2]. - Another instance involved a seasonal sales crisis for a sports goods company, where a customized financing plan of 100,000 yuan was provided to stabilize operations [3]. Group 3: Public Welfare Initiatives - The company integrates party leadership into public welfare activities, creating a three-tiered system that combines party committee oversight with grassroots engagement to enhance financial literacy and risk prevention [4]. - Over 40 public welfare activities have been organized, reaching more than 150,000 people, focusing on community education about financial risks and promoting responsible investment [5]. Group 4: Future Outlook - The company plans to continue leveraging party leadership to drive service innovation and enhance financial support for micro enterprises, aiming to contribute to a better society [6].

Core Insights - Small and micro enterprises are becoming the backbone of economic development, with over 60 million registered nationwide by Q3 2025, and private enterprises accounting for 57% of China's total foreign trade [1] - Chongqing, as a central economic hub, relies on small and micro enterprises for regional economic vitality, yet they face challenges in financing [1] Financing Challenges - The financing difficulties for small and micro enterprises primarily stem from two issues: the urgent need for large short-term funds to support business expansion and the increasing difficulty in maintaining cash flow due to rising labor and material costs alongside shrinking fixed assets [2] - Chongqing aims for a GDP growth of around 6% in 2025, with small and micro enterprises playing a crucial role in this growth, leading to an expanding demand for financing [2] Innovative Financing Solutions - Ping An Rongyi has developed AI risk control models and big data analysis to reduce financing approval times to within 24 hours, with a maximum loan limit of 5 million yuan [2] - Core products such as "Zhai e Loan," "Micro Business Loan Preferred Invoice Scheme," and "Car e Loan" are designed to address the two main pain points of small and micro enterprises [2] Case Studies - A construction company in Chongqing faced a funding gap for a new project due to long payment cycles and lack of sufficient collateral. With the "Micro Business Loan Preferred Invoice Scheme," they secured 2 million yuan without collateral, enabling them to successfully undertake the project and stimulate surrounding industries [3] - In the Chongqing Free Trade Zone, a trading company needed 1 million yuan within a week to secure a supply chain opportunity. Utilizing the "Car e Loan" product, they received the funds on the same day, allowing them to capitalize on the opportunity [5] Service Philosophy - The service approach of Ping An Rongyi emphasizes deep engagement with clients, with a focus on building trust through frequent interactions and professional expertise [6] - The company’s diverse financing products, including "Micro Business Loan Preferred Invoice Scheme" and "Car e Loan," provide robust support for small and micro enterprises [6]

Core Insights - Shenzhen, known as a "miracle city," has evolved its financial sector significantly over 45 years, providing numerous "Shenzhen models" for national financial reform [1] - Ping An Rongyi, a financing service brand under Ping An Group, has played a crucial role in supporting small and micro enterprises through innovative financial solutions [1][3] Group 1: Financial Support and Innovation - An innovative AI robotics company in Shenzhen faced funding bottlenecks during a critical production phase, but received 10 million yuan in financing from Ping An Rongyi, enabling it to successfully deliver its first order worth millions [2] - Ping An Rongyi's "宅e贷" (Home Loan) financing solution was tailored to meet the specific needs of the AI robotics company, demonstrating the company's ability to understand and address the growth challenges of hard-tech enterprises [2] - Since its inception in 2005, Ping An Rongyi has served approximately 709,000 small and micro enterprises nationwide, focusing on manufacturing and livelihood sectors [3] Group 2: Commitment to Inclusive Finance - Ping An Rongyi has embedded the "inclusive finance" ethos into its operations, having served 600,000 small micro enterprise clients in Shenzhen alone by July 2025 [3] - The company has developed a full-process protection system for consumer rights, utilizing AI technology to enhance information disclosure and client data security, achieving a resolution rate of over 86% for customer issues [5] - In 2024, Ping An Rongyi conducted over 20 financial consumer protection education activities, reaching more than 150,000 individuals, particularly focusing on vulnerable groups [5]

Core Viewpoint - The company, Lufax Holding (陆金所控股), has been recognized for its dual commitment to financial services and social responsibility, receiving accolades at the "2025 Asset Management Annual Conference" and achieving significant improvements in its ESG ratings [1][2][8]. Group 1: Financial Services and Innovation - Lufax is actively implementing the "Five Major Articles" of financial services, focusing on technology finance, green finance, inclusive finance, pension finance, and digital finance to support high-quality economic development [4][7]. - The company has developed a comprehensive financial innovation and service upgrade strategy, which has injected robust financial momentum into China's modernization efforts [2][8]. - Through its platform, Lufax has provided loans exceeding 300 billion yuan to nearly 7 million small and micro enterprises, with a focus on underserved markets [6]. Group 2: ESG Commitment and Ratings - Lufax has achieved a significant upgrade in its MSCI ESG rating from B to AA, reflecting its commitment to environmental, social, and governance principles [2][8][11]. - The company has integrated ESG principles into its governance structure and risk management, enhancing its operational standards and consumer protection measures [9][10]. - The rising ESG rating is expected to attract substantial investment from global institutions, highlighting the long-term investment value of companies with strong governance and compliance capabilities [11]. Group 3: Consumer Protection and Social Responsibility - Lufax has established a comprehensive consumer protection system through its platform, ensuring the safeguarding of consumer rights and promoting financial inclusion [10]. - The company has embedded social responsibility into its business model, contributing to rural revitalization and ensuring that financial resources benefit the community [10]. - The focus on consumer rights and social responsibility aligns with the company's foundational principle of "finance for the people," enhancing its reputation and operational resilience [10].

Core Insights - The company has initiated a "Summer Microfinance Support" campaign in Chongqing to provide financing services directly to small and micro enterprises, achieving a total of 3.3 billion yuan in financing support by visiting over 2,129 businesses [1][2]. Group 1: Campaign Overview - The "Summer Microfinance Support" campaign is a response to a joint initiative by multiple government departments in Chongqing aimed at supporting small and medium enterprises [2]. - The company has deployed over 500 financing consultants to deliver customized financing solutions, focusing on manufacturing, rural revitalization, and consumer sectors [2][4]. Group 2: Financing Solutions - The "车e贷" product has been highlighted as an effective financing tool, allowing for quick approvals and tailored solutions for small businesses facing challenges such as lack of collateral [3][6]. - Specific case studies illustrate the effectiveness of the financing solutions, such as a hotel owner receiving 680,000 yuan and a food wholesaler obtaining 800,000 yuan in financing support [3][4]. Group 3: Performance Metrics - As of the second quarter of 2025, the company has provided financing support exceeding 16 billion yuan to over 10,116 small and micro enterprises, reflecting a year-on-year growth of 21.2% [6]. - The company emphasizes its commitment to supporting the local economy and small businesses, regardless of external challenges such as high temperatures [6].