关键词：深耕实体 金融活则经济活，金融稳则经济稳。"十五五"规划明确提出"加快建设金融强国"的战略目标，将服务实 体经济作为金融工作的出发点和落脚点，重点部署科技金融、绿色金融、普惠金融、养老金融、数字金 融"五篇大文章"。中国邮政储蓄银行深圳分行(以下简称"深圳分行")作为扎根深圳特区、兼具普惠基因 与国有大行分支行担当的金融机构，立足"服务'三农'、城乡居民和中小企业"的战略定位，紧扣深圳建 设中国特色社会主义先行示范区的发展主线，将自身发展融入国家战略与地方发展大局，以一系列精准 务实的举措，为深圳实体经济高质量发展注入强劲金融动能。 精准对接战略部署 在普惠金融方面，充分发挥69个营业网点遍布全市各区的渠道优势，让金融服务直达"最后一公里"。针 对深圳都市农业、乡村振兴帮扶领域，围绕粮食稳产保供、对口帮扶地区富民产业发展等重点，持续升 级金融产品与服务流程，自主创新推出"U粮易贷"产品，携手优合集团等核心企业打造"冷链+"金融服 务，实现对粮食产业客群的精准滴灌。在小微企业服务方面，深耕主办行制度，聚焦深圳先进制造业、 科创小微企业等群体，将服务嵌入企业全生命周期，通过产业链、产业集群批量服务模式，广 ...

当一家国有大行成为北京城市副中心建设的"合伙人"，将擦出怎样的火花？ 面对北京城市副中心"科技创新高地""国家绿色发展示范区""国际消费枢纽"的体系建设，邮储银行北京 分行以"五篇大文章"为纲，精准匹配区域发展需求，打造差异化金融服务体系。 科技创新是副中心高质量发展的核心引擎，也是邮储银行北京分行的重点发力方向。该行构建起"一体 多翼"创新模式，其视频移动营业厅车贷面签业务已服务超6万名客户，提供资金支持逾125.67亿元。针 对科创企业融资难题，2025年4月举办的"邮企通行，创引未来"新质创富大赛（通州赛区），让9家生物 医药、智能驾驶领域的优秀企业脱颖而出，该行联动提供超数十亿元贷款，形成"金融+产业"的赋能闭 环，为新城注入新质生产力。 作为国家绿色发展示范区，城市副中心的生态建设离不开金融的硬核支撑。邮储银行北京分行成立碳达 峰碳中和领导小组，创新"碳账户+信贷审批"模式，引导金融资源向绿色产业倾斜。多家绿色特色专营 机构相继落地，"降碳贷"等产品精准对接企业减排需求，为零碳算力园区等项目提供有力支持。目前， 该行绿色贷款余额已达952亿元，获评"气候友好型金融机构"，用金融杠杆推动城市副中心天更 ...

Core Viewpoint - The 19th Shenzhen International Financial Expo will be held from November 19 to 21, 2025, focusing on "New Heights of Industrial Finance, Empowering Future Innovation," with nearly 300 global financial institutions participating to outline new financial services for the real economy [1] Group 1: Technology Finance - As of the end of October, the technology loan balance of the Shenzhen branch of China Construction Bank exceeded 244 billion yuan, with an increase of over 48 billion yuan since the beginning of the year, leading the industry [2] - The bank has developed a "heat map" for 34,000 technology enterprises in Shenzhen, providing differentiated services based on the characteristics of enterprises at different stages [2] - The bank has served over 11,000 technology enterprises, with nearly 6,000 credit approvals and total loans exceeding 12 billion yuan [2][3] Group 2: Green Finance - The Shenzhen branch of China Construction Bank has integrated green finance into its strategic priorities, establishing a diversified green finance service system to support the green transformation of the economy [4] - The bank has issued green loans to nearly 900 enterprises, focusing on key industries such as new energy vehicles and energy-efficient equipment manufacturing [4] - The bank has launched the first batch of "water-saving loans" in collaboration with the Shenzhen Water Conservation Technology Association, with an initial financing of 30 million yuan [5] Group 3: Inclusive Finance - As of the end of October 2025, the bank's inclusive loan balance reached 364 billion yuan, serving 106,000 clients, making it the largest financial institution serving small and micro enterprises in Shenzhen [7] - The bank has successfully provided a 3.88 million yuan working capital loan to a small jewelry company based on its good tax records and operational data [6] - The bank has developed a multi-layered, widely covered, and sustainable inclusive finance service system, leveraging digital transformation and product innovation [7] Group 4: Pension Finance - The Shenzhen branch has established the "Healthy Aging" brand, responding to the national strategy for an aging population, and has created a "1314" pension service system [8] - The bank has selected 60 "Healthy Aging" financial service outlets across 37 first-level branches, focusing on providing tailored services for elderly clients [8] - The bank aims to integrate resources to offer comprehensive services in pension planning, wealth management, and consumption for different stages of aging [8] Group 5: Digital Finance - The bank is accelerating its digital transformation to build a secure, efficient, and convenient digital financial ecosystem, supporting the "Five Major Articles" [10] - The bank has launched a "Digital Currency Prepayment Supervision Platform" to address regulatory challenges in the prepayment industry, covering 1,569 merchants and providing services for 960,000 consumers [10] - Future plans include expanding the digital currency regulatory model to 16 prepayment scenarios, enhancing consumer trust in Shenzhen [10] Group 6: Overall Impact - The achievements of the Shenzhen branch in the "Five Major Articles" reflect the bank's commitment to serving the real economy and fulfilling its social responsibilities [11] - The bank's financial services are closely aligned with the needs of various sectors, from technology enterprises to elderly care, demonstrating its responsiveness to societal changes [11]

2025年11月19—21日，第十九届深圳国际金融博览会在深圳会展中心（福田）9号馆举办，中国建设银 行深圳市分行（以下简称"深圳建行"）以"培育新质生产力 做好'五篇大文章'"为主题亮相本届深圳金融 博览会。 面向"十五五"新征程，深圳建行将积极践行金融新使命，深度融入国家发展战略，聚焦"五篇大文章"， 以金融科技赋能创新驱动，以普惠服务精准滴灌小微实体，以绿色行动助力"双碳"目标，以适老关怀托 举银龄幸福，全面彰显在金融强国建设中的大行担当。 科技引擎：构建全周期服务生态 作为"五篇大文章"之首，科技金融大文章赋予了金融服务科技全新的历史使命。深圳作为科技创新之 城，有着深厚的创新土壤，是科技金融发展的重要前沿和创新高地。深圳建行通过地理位置、产业数 据、合作及授信状态等为全市科技型企业"画像"，打造科技企业"热力图"，助力科技企业精准营销，并 根据不同阶段企业特点提供差异化服务，截至10月末，深圳建行科技贷款余额超2440亿元，较年初新增 超480亿元，同业领先。 低碳先锋：绘就可持续发展蓝图 为实现"双碳"目标，深圳建行加快绿色金融产品和服务创新，加大绿色信贷投放力度，增加信贷结构的 含"绿"量。20 ...

Core Viewpoint - Shenzhen Construction Bank (Shenzhen Bank) actively integrates into national development strategies, focusing on five major areas to enhance financial services and support the real economy, including technology finance, green finance, inclusive finance, elderly care finance, and digital finance [2][16]. Group 1: Technology Finance - Shenzhen Bank emphasizes the importance of technology finance, leveraging its geographical advantages and industry data to create a "heat map" for technology enterprises, facilitating precise marketing and differentiated services [4]. - As of the end of October, the bank's technology loan balance exceeded 2.44 trillion yuan, with an increase of over 48 billion yuan since the beginning of the year, leading the industry [4]. - The bank has launched a digital financing platform for small and micro technology enterprises, providing various online loan products and serving over 11,000 technology companies with total loans exceeding 12 billion yuan [4][5]. Group 2: Green Finance - To achieve the "dual carbon" goals, Shenzhen Bank accelerates the innovation of green financial products and services, with green loan growth exceeding 25% this year, significantly outpacing overall loan growth [7]. - The bank has issued green loans to nearly 1,000 enterprises, actively supporting key industries such as new energy vehicles and energy-efficient equipment manufacturing [7]. - Shenzhen Bank has also introduced a "water-saving loan" initiative, signing a cooperation agreement to provide 30 million yuan in financing for water-saving projects [7]. Group 3: Inclusive Finance - Shenzhen Bank focuses on inclusive finance, with a total inclusive loan balance of 364 billion yuan and serving 106,000 clients as of October 2025 [9]. - The bank employs a "digital, platform-based" approach to enhance financial services for small and micro enterprises, ensuring effective risk management while providing timely financial support [9][10]. - Over the past five years, the bank has issued more than 950 billion yuan in inclusive loans, benefiting over 150,000 small and micro enterprises across various sectors [10]. Group 4: Elderly Care Finance - In response to the aging population, Shenzhen Bank is developing a comprehensive elderly care financial service system, focusing on diverse and scenario-based services [12]. - The bank has established specialized elderly care financial outlets, offering tailored investment products and services to meet the needs of elderly clients [13]. - A multi-faceted elderly care financial supply system has been created, including corporate pension products and services for individual clients [13]. Group 5: Digital Finance - Shenzhen Bank is a pioneer in the application of digital currency, addressing consumer pain points in the prepaid sector through the "Digital RMB Smart Payment Platform" [15]. - The platform has covered 1,569 merchants in various industries, providing regulatory services for 960,000 consumers [15]. - The bank plans to expand the application of digital currency in 16 prepaid scenarios, contributing to a trustworthy consumption environment in Shenzhen [15].

Core Insights - The Hong Kong and Shenzhen governments have jointly released an action plan to develop a global fintech center from 2025 to 2027, aiming to enhance collaboration in the fintech sector and strengthen their respective financial positions [1] Group 1: Strategic Objectives - The action plan focuses on six key dimensions to foster collaboration in fintech, aiming to create a globally competitive fintech ecosystem [1] - The plan emphasizes the establishment of various research and evaluation centers by national financial regulatory bodies in both regions [1] Group 2: Technological Innovation - There will be increased support for the research and development of foundational fintech technologies, encouraging collaboration between universities and enterprises [2] - The plan includes subsidies for computing power to reduce costs for enterprises and explores cross-border data flow mechanisms [2] Group 3: Financial Integration - The action plan promotes the integration of fintech with various sectors, including technology finance, green finance, and digital inclusive finance [2] - It encourages the development of specialized financial products for elderly care and the expansion of digital RMB applications in retail and trade [2] Group 4: Regulatory Environment - The plan aims to enhance regulatory cooperation and improve financial risk monitoring systems, utilizing AI for dynamic regulation [3] - It includes measures to attract specialized talent and promote the development of a fintech brand unique to the Hong Kong-Shenzhen region [3]

Core Insights - The Hong Kong SAR government and Shenzhen's local financial management bureau jointly released an action plan to develop a global fintech center from 2025 to 2027, aiming to enhance collaboration in the fintech sector and strengthen the financial positions of both cities [1] Group 1: Strategic Objectives - The plan focuses on six dimensions to deepen fintech collaboration, aiming to create a globally competitive fintech ecosystem that supports Hong Kong's status as an international financial center and Shenzhen's development as a significant industrial financial hub [1] - Key initiatives include attracting fintech entities, establishing research and evaluation centers, and encouraging Hong Kong payment institutions to set up cross-border payment services in Shenzhen [1] Group 2: Technological Innovation - There will be increased support for the research and development of foundational fintech technologies, with encouragement for universities and enterprises to co-establish laboratories and cross-border research institutions [2] - The plan includes subsidies for computing power to reduce costs for enterprises and aims to explore cross-border financial data flow mechanisms [2] Group 3: Sectoral Integration - The action plan emphasizes the integration of fintech with various sectors, including technology finance, green finance, and digital inclusive finance, promoting innovative financing solutions and products [2] - Specific initiatives include supporting Shenzhen tech firms in utilizing Hong Kong's listing channels and promoting sustainable development offshore RMB bonds [2] Group 4: Regulatory Environment - The plan aims to enhance the regulatory framework by deepening innovative regulatory pilot cooperation and improving financial risk monitoring systems [3] - It includes the application of artificial intelligence in dynamic regulation and the incorporation of ethical reviews into the development processes of fintech companies [3] Group 5: Talent and Ecosystem Development - To foster a conducive development environment, the plan proposes talent policies to attract specialized professionals and enhance collaboration with global financial centers [3] - Various activities, such as digital finance forums and result showcases, will be organized to promote the fintech brand unique to the Hong Kong-Shenzhen region [3]

Core Viewpoint - The Hong Kong SAR government and Shenzhen's local financial management bureau have jointly released an action plan to establish a global fintech center between the two regions from 2025 to 2027, aiming to enhance collaboration in the fintech sector and drive high-quality financial development in the Guangdong-Hong Kong-Macao Greater Bay Area [1]. Group 1: Focus on Industry Aggregation and Technological Innovation - The action plan emphasizes the cultivation and aggregation of fintech entities, aiming to establish various research and evaluation centers in both regions, and encourages Hong Kong payment institutions to set up cross-border payment technology services in Shenzhen [3]. - It supports the establishment of global fintech headquarters in Hong Kong for qualified financial institutions and aims to expand international markets through a fintech alliance, addressing the digital transformation needs of countries along the Belt and Road Initiative [3]. - There will be increased support for the research and development of foundational and key technologies in fintech, encouraging collaboration between universities and enterprises to explore applications of technologies like artificial intelligence in finance [3]. Group 2: Expanding Application Scenarios - The action plan aligns with the construction requirements of the "Five Major Articles," promoting deep integration of fintech with various fields, including supporting Shenzhen tech firms in utilizing Hong Kong's unique listing channels for financing [5]. - In the green finance sector, it aims to deepen the application of corporate carbon accounts and promote sustainable offshore RMB bond issuance in Hong Kong [5]. - The plan also focuses on digital inclusive finance, enhancing financing services for small and micro enterprises, and expanding the coverage of products like "Credit Ease" and "Micro Enterprise Pass" [5]. Group 3: Optimizing Regulatory Ecosystem - To create a favorable development environment, both regions will deepen innovative regulatory pilot cooperation and utilize cross-border fintech innovation regulatory tools [7]. - There will be enhancements in regulatory technology and financial risk monitoring systems, exploring the application of artificial intelligence in dynamic regulation to achieve early identification and warning of risks [7]. - The plan includes talent recruitment policies and the establishment of a "Shenzhen-Hong Kong-Macao Fintech Specialist" program, along with various activities to deepen cooperation with global financial centers [7].

Core Viewpoint - The Hong Kong and Shenzhen governments have jointly released an action plan to establish a global fintech center, aiming to enhance collaboration in the fintech sector over the next three years, thereby driving high-quality financial development in the Guangdong-Hong Kong-Macao Greater Bay Area [1]. Group 1: Industry Foundation and Technological Innovation - The action plan focuses on nurturing fintech entities and establishing various research and evaluation centers in both regions, encouraging Hong Kong payment institutions to set up cross-border payment services in Shenzhen, and fostering specialized fintech companies [3]. - There will be increased support for foundational and key technology research in fintech, promoting collaboration between universities and enterprises to explore applications of technologies like artificial intelligence in finance [3]. Group 2: Expanding Application Scenarios - The action plan aligns with the construction requirements of the "Five Major Articles," promoting deep integration of fintech with various fields, including supporting Shenzhen tech firms in utilizing Hong Kong's unique listing channels for financing [5]. - In green finance, the plan aims to deepen the application of corporate carbon accounts and promote sustainable offshore RMB bond issuance [5]. - The initiative also focuses on enhancing digital inclusive finance, optimizing financing services for small and micro enterprises, and expanding the coverage of products like "Credit Ease" and "Micro Loan" [5]. Group 3: Regulatory Ecosystem Optimization - To create a conducive development environment, both regions will deepen innovative regulatory pilot cooperation and enhance the financial risk monitoring and early warning systems [7]. - The plan includes the introduction of specialized talent policies to attract professionals and the establishment of a "Shenzhen-Hong Kong-Macao Fintech Specialist" program [7]. - The release of this action plan signifies a new phase of systematic and normalized fintech cooperation between Hong Kong and Shenzhen, leveraging their respective advantages to enhance global resource allocation capabilities [7].

智通财经APP获悉，11月19日，香港财经事务及库务局(香港财库局)与深圳市地方金融管理局联合发布 《关于携手打造港深全球金融科技中心的行动方案(2025-2027年)》，充分发挥深港两地在金融科技的优 势，携手打造全球金融科技中心。行动方案的重点措施包括：推动深圳金融机构在港成立金融科技子公 司；支持两地共建金融科技联合孵化器；鼓励深圳科技企业利用香港"生物科技公司上市通道"、"特专 科技公司上市通道"及"科企专线"等便利政策来港融资；鼓励深圳企业在港发行可持续发展离岸人民币 债券；推动数字人民币应用场景持续创新；以及支持两地共同参与"多种央行数码货币跨境网 络"(mBridge)项目的研究与应用。 此外，行动方案也会推动两地共同培育金融科技人才，并加强与业界的连系及合作，包括推进"深港澳 金融科技师"专才计划、鼓励两地行业协会及金融机构合办金融科技活动；以及加强两地大型金融科技 活动联动合作等。 香港财库局局长许正宇表示："香港特区政府十分重视金融科技发展，金融科技水平更获最近一期《全 球金融中心指数》报告评为全球第一。这次行动方案正是结合香港在金融科技领域的领先优势与深圳的 产业金融强项，提出多项涵盖数 ...