受教育权即求知权，也就是说金融消费者享有获取和理解金融知识的权利。金融消费者选择购买金融产 品和接受金融服务是基于其对产品和服务的充分了解，金融机构有义务承担对金融消费者的教育责任， 可以通过举办各类金融知识普及活动，开展广泛、持续的日常性消费者教育，提升金融消费者金融素养 和诚实守信意识。 全景网浙江投资者教育基地秉承"沟通创造价值"宗旨，以投资者关系互动为核心，聚焦金融信息资讯服 务，通过融媒体的方式，积极探索"互联网+投教"模式，以"线上+线下"相结合的方式，让投资者教育服 务触手可及。 投教小课堂 ...

8月18日，A股市场交投活跃，三大指数集体上扬。A股市值总和突破100万亿元，创历史新高。这不仅 反映市场规模的扩张，更展现出资本市场高质量发展的成色。在宏观经济回升向好、资本市场改革纵深 推进、一揽子稳市政策落地见效的多重驱动下，我国资本市场呈现出结构优化、企业价值提升、投融资 功能协调发展的积极变化。 股市是经济运行的"晴雨表"，稳住股市对于稳定市场预期、增强各方信心、优化资本市场资源配置功能 具有重要意义。在此基础上，资本市场将更好服务居民财富管理，促进科技、金融、产业的良性循环， 持续推动经济回升向好。资本市场能够通过引导资金流向最具潜力和效率的企业与产业，推动经济的创 新与升级，从而增强经济韧性，应对外部冲击，为经济增长提供持续动力。同时，强大的资本市场能够 提供丰富多样的金融产品和服务，满足投资者的多样化需求，使其能够通过参与资本市场分享经济增长 的成果，实现财富保值增值，从而提升财富效应，增强消费信心。 本报特约评论员 股市是经济运行的"晴雨表"，稳住股市对于稳定市场预期、增强各方信心、优化资本市场资源配置功能 具有重要意义。资本市场能够通过引导资金流向最具潜力和效率的企业与产业，推动经济的创新 ...

Core Viewpoint - The People's Bank of China and the Ministry of Agriculture and Rural Affairs issued an opinion to enhance financial services for rural reform and promote comprehensive rural revitalization, emphasizing the need for a more effective allocation of financial resources tailored to the diverse needs of county-level regions [1] Group 1: Financial Resource Allocation - The opinion outlines five dimensions for targeted financial resource allocation: enhancing food security financial support, consolidating financial assistance achievements, deepening financial services for rural industries, improving financial services for rural construction, and strengthening financial empowerment for rural governance [1] - County regions are crucial for national stability and new urbanization, accounting for over half of the permanent population and nearly 60% of high school education tasks, while contributing about 90% of grain output [2] Group 2: Differentiated Financial Services - Financial institutions are encouraged to innovate and adjust financial products and services based on different industry characteristics and operational methods, including differentiated credit supply for various agricultural sectors [3] - The need for financial institutions to enhance credit management and determine credit limits based on borrowers' financial conditions and genuine financing needs is emphasized to avoid excessive lending [4] Group 3: Collaboration and Resource Utilization - The effective activation of financial resources in rural reform also depends on the utilization of non-financial resources, with local governments encouraged to combine fiscal, financial, and industrial resources [5] - Recent changes in the county financial ecosystem, including institutional reforms and the elevation of rural credit cooperatives, necessitate a restructured approach to financial service management and communication with local governments and industry representatives [6]

Core Viewpoint - The People's Bank of China and five other departments have jointly issued guidelines to enhance financial support for consumption, aiming to stimulate and expand consumer demand in the economy [1][2][3] Group 1: Key Measures - The guidelines propose 19 key measures across six areas: enhancing consumer capacity, expanding financial supply for consumption, unlocking consumer potential, improving consumption supply efficiency, optimizing the consumption environment, and ensuring policy support [1][2] - Emphasis is placed on strengthening structural monetary policy tools and increasing credit support for key service consumption sectors such as retail, hospitality, and education [2][3] Group 2: Financial Innovation and New Consumption - The guidelines encourage financial institutions to explore effective channels for supporting new types of consumption, including digital, green, and health-related consumption [3] - Financial institutions are urged to collaborate with merchants to develop financial products tailored to new consumption characteristics and to participate in promotional activities to benefit consumers [3] Group 3: Implementation and Monitoring - The People's Bank of China will work with relevant departments to accelerate the implementation of the guidelines and enhance monitoring to ensure financial support for consumption is effectively increased [3]

Group 1 - The core focus of the article is on the importance of boosting consumption as a key point for expanding domestic demand and stabilizing economic growth, with the central economic work conference prioritizing this task for the year [1] - The People's Bank of China and five other departments have jointly issued guidelines to support and expand consumption, outlining 19 measures across six key areas [1][2] - The guidelines emphasize the need for a multi-layered financial service system to support consumption growth, coordinating various financial resources to meet diverse financing needs [1][3] Group 2 - Experts believe that service consumption has significant growth potential, with current goods consumption reaching high levels, while service consumption remains relatively underdeveloped compared to developed countries [2] - The guidelines specifically support the development of service consumption by increasing financing for sectors such as wholesale and retail, catering, and elder care services [2][3] - The introduction of new financial tools aimed at enhancing supply-side support for service consumption is highlighted as a key direction for macroeconomic policy [3] Group 3 - The article discusses the establishment of a multi-tiered consumer finance service system in China, which has been well-developed over the years, with credit support playing a major role [4] - The guidelines stress the need to diversify consumer financing channels, enhancing credit products and supporting qualified enterprises in issuing bonds [4][5] - The focus is also on improving the efficiency of consumption supply, particularly in infrastructure projects related to aging, sports facilities, and logistics [6] Group 4 - The guidelines aim to enhance residents' income levels as a crucial support for stimulating consumption potential [5][6] - Protecting consumer rights is also emphasized, with measures to optimize payment services and strengthen credit system construction in the consumption sector [6]

Core Viewpoint - The article discusses the joint issuance of guidelines by six Chinese government departments aimed at enhancing financial support for consumption, thereby stimulating economic growth and improving consumer confidence [1][2]. Group 1: Overall Requirements - The guidelines emphasize the importance of financial services in supporting the real economy and enhancing consumer demand, aligning with the principles of Xi Jinping's thought [6]. - The approach combines supply-side structural reforms with the expansion of domestic demand, aiming to create a virtuous cycle of production, distribution, circulation, and consumption [6]. Group 2: Enhancing Consumer Capacity and Demand - The guidelines propose measures to stabilize consumer expectations by strengthening financial support for the real economy and coordinating monetary and fiscal policies [7]. - Support for employment and income growth is highlighted, particularly for small and micro enterprises, to boost consumer confidence [7]. - Financial products tailored to individual pension needs and commercial health insurance are encouraged to enhance consumer willingness to spend [8]. Group 3: Expanding Financial Supply in Consumption - Financial institutions are urged to improve their service capabilities in the consumption sector, focusing on innovative credit products and efficient loan processes [9]. - Structural monetary policy tools will be utilized to incentivize lending in key service sectors such as retail, hospitality, and education [10]. - The guidelines advocate for the development of bond markets to support financing in cultural, tourism, and educational sectors [10][11]. Group 4: Supporting Key Consumption Areas - Financial institutions are encouraged to provide diverse financing options for consumer goods, including trade-in services for old products [13]. - There is a focus on enhancing financial support for service consumption, particularly in areas like hospitality, retail, and elder care [14]. - New consumption models such as digital, green, and health consumption are to be explored and supported through financial innovation [14]. Group 5: Strengthening Financial Infrastructure - The guidelines call for financial support for the construction of consumer infrastructure, including cultural and sports facilities, to enhance overall consumption capacity [16]. - Support for logistics and supply chain projects is emphasized to reduce costs and improve efficiency in the commercial circulation system [17]. Group 6: Optimizing the Consumption Environment - Financial institutions are encouraged to enhance payment services across various consumer scenarios, improving the overall payment experience [18]. - The establishment of a robust credit system in the consumption sector is prioritized to facilitate better access to credit for consumers and businesses [19]. Group 7: Organizational Support - Coordination among local financial management departments and relevant industry authorities is essential for effective implementation of the guidelines [21]. - Monitoring and evaluation mechanisms will be established to assess the impact of financial support on consumption [21].

中国工商银行股份有限公司成立于1984年1月1日。2005年10月28日,本行整体改制为股份有限公司。 2006年10月27日,本行成功在上交所和香港联交所同日挂牌上市。本行致力于建设中国特色世界一流现 代金融机构,拥有优质的客户基础、多元的业务结构、强劲的创新能力和市场竞争力。本行将服务作为 立行之本,坚持以服务创造价值,向全球超1,300万对公客户和7.66亿个人客户提供丰富的金融产品和优质 的金融服务,以自身高质量发展服务经济社会高质量发展。本行自觉将社会责任融入发展战略和经营管 理活动,在服务制造业、发展普惠金融、支持乡村振兴、发展绿色金融、支持公益事业等方面受到广泛 赞誉。本行始终聚焦主业,坚持服务实体经济的本源,与实体经济共荣共存、共担风雨、共同成长;始终坚 持风险为本,牢牢守住底线,不断提高控制和化解风险的能力;始终坚持对商业银行经营规律的把握与遵 循,致力于成为基业长青的银行;始终坚持稳中求进、创新求进,持续深化重点发展战略,积极发展金融科 技,加快数字化转型;始终坚持专业专注,开拓专业化经营模式,锻造"大行工匠"。本行连续十二年位列英国 《银行家》全球银行1000强榜单榜首,连续九年位列英国 ...

也要看到，由于规模小、生命周期长、信用评价体系不健全、抵押限制等原因，部分小微企业仍面临资 金短缺的难题。《若干措施》以及《中华人民共和国民营经济促进法》的出台，为探索小微企业融资难 题破解之道提供了保障。不过，未来仍需政府、企业、金融机构协同发力，确保政策落地见效。 提升金融组织服务能力，优化金融产品供给。金融机构在依法合规前提下，应按照市场化、可持续发展 原则，开发和提供适合民营经济特点的金融产品和服务。加强对金融机构相关人员培训，提高金融从业 人员对小微企业发展现状和融资需求知悉程度，强化产品研发和运营风险识别，实现融资精准、风险可 控。建设完善的小微企业统计体系，为融资支持提供可靠的数据基础。在增加融资供给方面，《若干措 施》提出，做深做实支持小微企业融资协调工作机制，向外贸、民营、科技、消费等重点领域倾斜对接 帮扶资源；加大首贷、信用贷、中长期贷、法人类贷款、民营类贷款投放等。还可以借鉴传统工业的融 资模式，积极探索适应科技创新需求和文化创新需求的小微企业信贷模式、上市融资模式、大众筹资模 式。优化金融支持小微企业的组织体系，鼓励银行机构在总行层面设立专门金融事业部，在小微企业聚 集地设立金融专营机 ...

Group 1 - The 2025 Tsinghua Wudaokou Global Financial Forum was held on May 17-18 in Shenzhen, where the "China Financial Policy Report 2025" was released, emphasizing the need for China's financial system to accelerate reforms and enhance resilience amid internal and external pressures [1] - The report highlights that China's financial reform is at a critical juncture, facing severe external challenges such as global economic fluctuations, restructuring of international trade order, and rising geopolitical risks [1] - The report also points out challenges in financial security and regulation, as well as the impact of technological revolutions, particularly the widespread application of AI in finance, which is reshaping the global financial landscape [1] Group 2 - In 2024, the central government proposed to establish a scientific and robust financial regulation system, indicating a maturation of the financial market structure with coordinated development of indirect and direct financing [3] - The report outlines five key focuses for financial system reform: optimizing financial resource allocation, enhancing the central bank system, strengthening regulation, adhering to the essence of finance, and promoting high-level financial openness [3]

"三适当原则"是活动当日的宣传重点，该原则是指消费者应在正规的金融机构，通过合适的渠道，购买风险等级与其自身风险承受能力相匹配的金融产品和 服务。对此，银行工作者的解释是"开什么样的车、有什么样的驾驶技术、面临什么样的路况，决定了我们选择什么样的车速"。 5月15日，广发银行北京分行消保工作人员来到北安河地区的中联旧机动车经营市场开展了一次金融教育活动。 针对二手车经销商的日常工作特点，银行工作者采取了特殊的宣传手法，在他们的宣讲中，存款保险被解释成为"安全气囊"，因为它"每辆车上面都要有， 平时不显眼，关键时刻却能救人一命"；在提到"金融消费者八大权益"时，银行工作者提出"买车时客户有权得知车辆的真实性能和特点，这辆车得上保险， 出了问题得保修保退，而作为金融消费者，咱们也有相应的权益"；致于各种电诈陷阱，广发银行则告诫大家"我们只有一个选择——猛踩刹车"。 本次活动是广发银行落实监管机关和公安机关落实"5.15全国投资者保护宣传日""5.15打击和防范经济犯罪宣传日"系列宣传活动的组成部分。 为了让大家清晰识别最新的电信诈骗形式，广发银行专门整理了近期发现的最新电诈案例，并将银行大厅内堵截电信诈骗的视频截 ...