外汇局莱芜分局始终坚持"金融为民"理念，深入贯彻中央金融工作会议关于做好金融"五篇大文章"的决策部署。2025年以来，依托"鲁贸汇企服务队莱芜分 队"，多措并举，持续加强对重大战略、重点领域和薄弱环节的优质外汇金融服务，绘就利企惠民新图景。 莱芜泰禾生化有限公司是莱芜分局辖区一家绿色制造企业、专精特新中小企业，年涉外收支总额超1亿美元。了解到企业的结算需求之后，外汇局联合银行 积极与企业对接，工商银行莱芜分行、建设银行莱芜分行先后将企业确立为优质企业。企业无需往返银行即可办理贸易外汇业务，5分钟内实现收汇入账。 更简化的流程和更便利的线上服务，提高了企业的资金结算效率、降低了企业脚底成本。 协同联动"聚合力"，共建惠民"生态圈" 2024年以来，外汇局莱芜分局始终将提升外币兑换服务水平作为全局重点工作扎实推动。莱芜分局横向与文旅部门统筹合作，梳理辖区星级酒店、旅游度假 区等适合部署外币兑换服务设施的文旅场所名单，实地调研了解外币兑换服务需求。纵向组织银行开展调研，通过银行窗口开展个人外汇业务满意度调查， 了解服务体验情况。充分发挥银行网点多、营业覆盖面广、与涉外主体接触多的优势，组织辖区银行网点通过LED电子 ...

经了解，吉林省物流集团为省属国有中欧班列运营平台，主要从事中欧班列运营、经营物流信息平台建 设与运营、物流园区管理与运营，开辟了长春—同江口岸—莫斯科的中欧班列吉林省新通道。前期，进 出口银行吉林省分行多次走访调研，实地考察企业情况，在充分了解企业实际需求后，为其设计融资方 案。该项目在国家外汇管理局吉林省分局的指导下，首次采用外管局的跨境金融服务平台进行辅助融资 对接，并于近期审批通过了0.4亿元人民币重点外贸企业生产经营保障贷款，用于支付该企业班列相关 费用。该笔贷款的发放助力物流集团全力打造中欧班列"一带一路"旗舰项目，为吉林省外贸产业发展贡 献了力量。 未来，进出口银行吉林省分行将继续坚守主责主业，发挥政策性银行职能作用，充分利用外贸产业贷款 品种优势，深度对接进出口骨干企业、外贸产业链、供应链核心企业和龙头企业，继续加大对吉林省外 贸企业、外贸新业态新模式企业、国际物流运输企业营销支持力度，致力于提高吉林省对外开放水平， 助力吉林省外贸企业做大做强。（进出口银行吉林省分行） 进出口银行吉林省分行始终聚焦政策性金融职能定位，全面落实党中央国务院、总行党委及吉林省委省 政府的决策部署，因地制宜服务吉林发 ...

Core Insights - The Zhejiang Maritime Financial Service Platform, the first of its kind in the country, was launched on June 17 in Hangzhou, facilitating maritime financing and enhancing credit assessment for shipping companies [1][3] - As of now, 13 vessels and 11 shipping companies have utilized the platform, resulting in a total credit amount exceeding 500 million yuan and a guarantee debt amount of 335 million yuan, showing significant growth compared to the same period last year [1] Group 1 - The platform was developed by the Zhejiang Maritime Bureau and aims to integrate safety inspection data, accident information, and technical status of vessels to create a maritime credit data system for shipping companies [1][3] - Financial institutions can access comprehensive maritime information, including mortgage status and historical violations, once authorized by the shipping companies, making vessels more visible and manageable as assets [1] Group 2 - The platform has enabled banks to provide better financing terms, as demonstrated by a loan of 7.99 million yuan offered to Zhejiang Jiade Ship Management Co., which included a 50 basis points reduction in interest rates due to the platform's data support [2] - The platform has significantly reduced the approval time for loans from weeks to days by eliminating complex manual assessments, thus improving efficiency in the registration of mortgage rights for vessels [3] Group 3 - Future plans for the platform include optimizing its functionalities and gradually expanding its services to more financial institutions and shipping companies, contributing to the high-quality development of maritime finance in Zhejiang [3]

Core Viewpoint - The Zhejiang Maritime Financial Service Platform has significantly improved the efficiency of ship mortgage registration in Zhoushan, completing 10 registrations with a total guarantee amount of 233 million yuan since its launch on June 17, 2023, ranking first in the province [1][18]. Group 1: Service Efficiency Improvements - The platform has implemented three innovative measures to enhance service efficiency, including "Express Mode," which reduces average processing time to within one working day through mechanisms like acceptance with deficiencies and green channels [4]. - Since June 20, the platform has completed mortgage registration for 10 ships, involving a total financing amount exceeding 200 million yuan and a financial credit limit exceeding 400 million yuan [5]. - The "One Ship, Multiple Certificates at Once" initiative allows for simultaneous processing of multiple procedures, increasing operational efficiency by 90% for enterprises [6]. Group 2: Financial Support for Transformation - The mortgage business for the "Minsheng ***" ship provided 7.99 million yuan in general mortgage loan support, specifically aimed at upgrading the company from traditional tugboats to research vessels [9]. - The Zhoushan Rural Commercial Bank's Water Product City branch utilized maritime information data from the platform to implement tailored financial solutions, offering a combination of "ship modification project loans + working capital loans" and a 50 basis points interest rate reduction [9][11]. Group 3: Data Sharing and Collaboration - The platform resolves the issue of obtaining authoritative data required for bank risk control and significantly enhances the quality and efficiency of services for small and micro enterprises through online collaboration [11]. - The Zhoushan Maritime Bureau has coordinated with the Zhoushan Rural Commercial Bank to develop the platform, focusing on maritime financial model construction and data interface development [16]. Group 4: Performance Metrics - In 2023, Zhoushan has completed 210 ship mortgage registrations with a total debt amount of 6.536 billion yuan, leading the Zhejiang Maritime Bureau in both registration numbers and financial credit limits [18]. - The Zhoushan Rural Commercial Bank has served 202 financial credit clients, accounting for 88.6% of the province, with a total credit amount of 6.502 billion yuan, representing 89.18% of the province's total [18].

You won't find many large-cap stocks that have been as hot in 2025 as Palantir Technologies (PLTR 1.88%), Robinhood Markets (HOOD -2.59%), and Spotify Technology (SPOT 3.54%). But which of these high-flying growth stocks is Wall Street most bullish about? The answer appears to be Spotify. While Palantir is unquestionably an AI powerhouse, Wall Street isn't overly optimistic about the stock over the near term. The average 12-month price target for Palantir is nearly 28% below the current share price. Of the ...

在金融产品与服务模式方面，银行需突破传统信贷思维，不断创新。针对个体工商户资金需求"短、 频、急"特点，银行可推出纯信用、无抵押的小额信贷产品，简化贷款审批流程，加快放款速度；同 时，借助大数据、人工智能等金融科技手段，整合个体工商户多维度数据，构建精准信用评估模型，助 力更多个体工商户获得金融支持。 个体工商户规模虽小，但分布广泛，是市场经济的"毛细血管"，在稳就业、保民生方面发挥着至关重要 的作用，支撑着无数家庭的生计。 长期以来，融资难、融资贵一直困扰个体工商户发展。笔者认为，银行作为金融服务的主力军，应以多 元化金融举措激发个体工商户活力。 （文章来源：证券日报） 在降低个体工商户经营成本方面，银行可在支付结算上减免手续费，为线上经营者定制支付解决方案， 提高资金结算效率，并提供财务管理、税务筹划等增值服务。在数字化转型趋势下，银行可发挥金融科 技优势，为个体工商户搭建线上金融服务平台，提供一站式服务；与科技企业合作，为个体工商户提供 数字化工具，拓宽其线上业务渠道，增强市场竞争力。 此外，银行可通过加强与政府部门、行业协会合作，形成支持个体工商户发展的合力。例如，参与政府 扶持计划，提供贴息贷款、创 ...

"5"即供应链金融服务能力强、市场接受程度高的5家供应链金融服务平台，在坚守合规基础上，借助三 方平台在客户群体、细分行业、科技运营等方面差异化优势，协同提供高质量产业链金融服务。 "X"即省内优质核心企业自建平台，把握大型企业司库建设机遇和产业链生态建设需求，按"应收、应 付一起管"提供综合化产业金融解决方案，以标准化接口积极融入优质核心企业产业链生态圈。 近年来，山东工行先后与山东高速（600350）、万华化学（600309）、魏桥集团等多个龙头企业自建产 业链平台进行了合作对接，以个性化、差异化的产业链服务输出，满足不同龙头企业发展需要。 中国发展网讯 近日，中国人民银行山东省分行、山东省财政厅、山东省工业和信息化厅、山东省交通 运输厅、山东省商务厅5部门联合下发了《关于公布2024年度山东省推动供应链金融发展优秀金融机构 情况的通报》，山东工行获评"山东省推动供应链金融发展优秀金融机构"，这是该行连续四年收获此荣 誉。数据显示，截至2025年5月末，山东工行累计为省内320余户产业链龙头企业提供供应链金融服务， 融资余额超120亿元，其中普惠口径融资余额超80亿元。 精准施策 服务产业发展大局 大力发 ...

记者 杜晨薇 新型离岸国际贸易是货物运输在海外、资金结算在国内的特殊贸易模式。由此产生的订单流、货物 流、资金流"三流"分离，一直是银行在新型离岸国际贸易真实性审核中遇到的难题。为解决这一难 题，"跨境金融服务平台新型离岸国际贸易业务背景核验应用场景"近日在浦东试点上线，21家中外资银 行参与此次试点工作。 "离岸通"通过整合境外海关报关数据、船公司提单数据、国际码头装卸数据、空运货运数据及海运 航线等数据，形成全面且规范的订单流、货物流、资金流信息，为试点场景应用提供有效的核验支持， 也为银行新型离岸国际贸易真实性审核提供安全、便捷、高效的数据技术支撑。 本次推出的试点场景，在此基础上实现了多项创新突破。其中，在智能核验方面，银行可在跨境平 台对物流单证进行多数据源综合比对，从船只轨迹、集装箱和货物三个维度拓宽贸易背景信息来源，自 动生成真实性核验报告。在风险预警方面，银行通过签注功能实现对单证使用状态的存证，有效防止物 流单证重复转让及质押。 试点场景上线后，银行业务办理可全程依托"跨境金融服务平台新型离岸国际贸易业务背景核验应 用场景"实现线上操作。根据银行反馈，通过试点应用场景，可实时核验关键业务信息 ...

据了解，上海地区有21家中外资银行参与此次试点工作。其中，中国银行上海市分行为辖内多家企业完 成业务背景核验，全程依托跨境金融服务平台实现线上化操作。通过跨境金融服务平台实时核验关键业 务信息，该行将原本需要1至2个工作日的审核流程，缩短至30分钟以内，帮助企业快速完成跨境结算。 该行相关负责人表示，跨境金融服务有效解决离岸贸易"单证追溯难、银行核验慢"的行业痛点，以科技 与数据双轮驱动，将全面提升外汇合规管理水平，支持各类主体更加安全、便捷、高效地参与国际离岸 贸易。 近年来，国家外汇管理局支持鼓励具有真实、合法的交易基础且具有交易合理性、逻辑性的离岸贸易业 务。2020年，国家外汇管理局即规定银行可自主决定离岸转手买卖审核交易单证种类。2021年，国家外 汇管理局将优化离岸转手买卖单证审核纳入贸易外汇收支便利化试点，并明确鼓励银行为真实合规新型 离岸国际贸易提供跨境资金结算便利。2022年、2024年，先后在临港、上海全辖实施跨境贸易高水平开 放试点，进一步支持银行优化新型国际贸易结算。在各项外汇政策的加持下，新型离岸国际贸易真实性 审核原则"重实质、更自主"，审核方式"多渠道、更多元"，审核内容"精准化 ...

Core Viewpoint - The articles highlight various activities and initiatives across China to promote ocean conservation and awareness, coinciding with World Oceans Day and National Ocean Awareness Day, emphasizing the importance of healthy oceans for sustainable development [1][2][3]. Group 1: Ocean Conservation Initiatives - A series of programs titled "Towards the Sea" was launched on June 8, showcasing China's innovations in marine energy development, deep-sea technology, modern marine ranching, ecological protection, and international cooperation [2]. - The third New Era Marine Literature Academic Conference was held, releasing the annual list of marine literature, featuring 43 works [2]. - A marine-themed photo exhibition opened in Hainan, displaying various marine-related creative works and achievements [2]. Group 2: Public Engagement and Education - A special topic on "World Oceans Day" was launched on the "Learning Power" platform, achieving a total readership of 45.5 million by June 9 [3]. - Various educational activities were organized, including public open days on marine monitoring vessels and marine science lectures in universities, aimed at raising awareness among students and the public [9][10]. Group 3: Economic Development and Innovation - Jiangsu Province launched a "Blue Finance Service Platform" to provide comprehensive financial services for marine enterprises, promoting high-quality development of the marine economy [5]. - The first Guangzhou Marine Technology Innovation Industry Development Conference introduced a platform integrating resources for marine economic innovation [5]. - In Fujian, strategic cooperation agreements were signed to promote high-end transformation of the marine industry, showcasing over 100 recent research achievements [6]. Group 4: Community and Volunteer Activities - A nationwide beach cleanup event collected approximately 1,260 kilograms of waste, emphasizing community involvement in ocean protection [10]. - Various local governments organized activities to educate the public about marine ecosystems and the importance of protecting marine resources [12].