【读财报】国有六大行“五篇大文章”透视：工行领跑农行深耕“三农”普惠

新华财经04-09

新华财经北京4月9日电 2025 年国有六大银行年报全面出炉，作为服务实体经济的主力军，六大行紧扣科技金融、绿色金融、普惠金融、养老金融、数字金融“五篇大文章” 战略部署，持续将金融资源精准投向实体经济关键领域与薄弱环节。　　从年报数据来看，六大行立足自身资源禀赋精准发力，形成特色鲜明、优势互补、协同并进的“五篇大文章”发展格局。其中，工商银行、农业银行表现尤为突出。工商银行全领域规模领跑，...

网页链接

免责声明：本文观点仅代表作者个人观点，不构成本平台的投资建议，本平台不对文章信息准确性、完整性和及时性做出任何保证，亦不对因使用或信赖文章信息引发的任何损失承担责任。

精彩评论

我们需要你的真知灼见来填补这片空白

发表看法

{"i18n":{"language":"zh_CN"},"isChannel":false,"data":{"share":"https://www.laohu8.com/m/news/2626973274?lang=zh_CN&edition=full","thumbnail":"","is_english":false,"pubTime":"2026-04-09 07:30","share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","id":"2626973274","market":"hk","top_or_hot":-1,"title":"【读财报】国有六大行“五篇大文章”透视：工行领跑 农行深耕“三农”普惠","media":"新华财经","content":"<div>\n<p>新华财经北京4月9日电 2025 年国有六大银行年报全面出炉，作为服务实体经济的主力军，六大行紧扣科技金融、绿色金融、普惠金融、养老金融、数字金融“五篇大文章” 战略部署，持续将金融资源精准投向实体经济关键领域与薄弱环节。　　从年报数据来看，六大行立足自身资源禀赋精准发力，形成特色鲜明、优势互补、协同并进的“五篇大文章”发展格局。其中，工商银行、农业银行表现尤为突出。工商银行全领域规模领跑，...</p>\n\n<a href=\"http://finance.eastmoney.com/a/202604093698646176.html\">网页链接</a>\n\n</div>\n","source":"stock_eastmoney","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>【读财报】国有六大行“五篇大文章”透视：工行领跑 农行深耕“三农”普惠</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n【读财报】国有六大行“五篇大文章”透视：工行领跑 农行深耕“三农”普惠\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-04-09 07:30 北京时间&nbsp;&nbsp;&nbsp;<a href=http://finance.eastmoney.com/a/202604093698646176.html><strong>新华财经</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>新华财经北京4月9日电 2025 年国有六大银行年报全面出炉，作为服务实体经济的主力军，六大行紧扣科技金融、绿色金融、普惠金融、养老金融、数字金融“五篇大文章” 战略部署，持续将金融资源精准投向实体经济关键领域与薄弱环节。　　从年报数据来看，六大行立足自身资源禀赋精准发力，形成特色鲜明、优势互补、协同并进的“五篇大文章”发展格局。其中，工商银行、农业银行表现尤为突出。工商银行全领域规模领跑，...</p>\n\n<a href=\"http://finance.eastmoney.com/a/202604093698646176.html\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU0359201612.USD","symbol_name":"贝莱德中国基金A2","start_time":0,"source_url":"http://finance.eastmoney.com/a/202604093698646176.html","article_id":"2626973274","we_media_id":null,"thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=2626973274","pubTimestamp":1775691047,"columns":[],"sourceInfo":{"source_id":"stock_eastmoney","name":"东方财富"},"weMediaInfo":null,"summary":"新华财经北京4月9日电2025年国有六大银行年报全面出炉，作为服务实体经济的主力军，六大行紧扣科技金融、绿色金融、普惠金融、养老金融、数字金融“五篇大文章”战略部署，持续将金融资源精准投向实体经济关键领域与薄弱环节。从年报数据来看，六大行立足自身资源禀赋精准发力，形成特色鲜明、优势互补、协同并进的“五篇大文章”发展格局。其中，工商银行、农业银行表现尤为突出。","collect":0,"end_time":0,"defaultTopTitle":"eastmoney.com","property":[],"viewcount":null,"language":"zh","relate_stocks":{"LU0359201612.USD":"贝莱德中国基金A2","LU1224709979.USD":"FIDELITY CHINA FOCUS \"A\" (USD) ACC","IE00BYV24P56.USD":"GUINNESS EMERGING MARKETS EQUITY INCOME \"C\" (USD) ACC","LU0359202008.SGD":"Blackrock China Fund A2 SGD-H","LU1880383440.USD":"AMUNDI FUNDS CHINA EQUITY \"A2\" (USD) INC","LU1282651048.USD":"ALLIANZ GEM EQUITY HIGH DIVIDEND \"AMG\" (USD) INC","LU1497734951.SGD":"Eastspring Investments - Asian Low Volatility Equity Fund ASDM SGD-H","IE00BMCWC346.EUR":"GUINNESS EMERGING MARKETS EQUITY INCOME \"C\" (EUR) ACC","LU1023057109.AUD":"BGF CHINA \"A2\" (AUDHDG) ACC","LU1720050803.USD":"安联全方位中国股票基金","LU0572944931.SGD":"Janus Henderson Horizon China Opportunities A2 SGD","LU1481107354.HKD":"HSBC GIF HONG KONG EQUITY \"AD\" (HKD) INC","BK1521":"挪威政府全球养老基金持仓","LU1831875114.USD":"SCHRODER ISF ALL CHINA EQUITY \"A\" (USD) ACC","SG9999001051.SGD":"United Asia Fund SGD","LU1961090484.USD":"ALLIANZ ALL CHINA EQUITY \"A\" (USD) INC","SG9999001069.SGD":"UOB UNITED ASIA PACIFIC GROWTH (SGD) ACC","LU0052750758.USD":"富兰克林中国基金A Acc","LU0531971595.HKD":"HSBC GIF CHINESE EQUITY \"AD\" (HKD) INC","SG9999001093.SGD":"United Greater China Fund A Acc SGD","LU0871576103.HKD":"HSBC GIF CHINESE EQUITY \"AC\" (HKD) ACC","HK0001040168.HKD":"CLSA GREATER CHINA HIGH DIVIDEND EQUITY \"A\" (HKD) INC","LU0164865239.USD":"HSBC GIF CHINESE EQUITY \"AC\" (USD) ACC","01398":"工商银行","IE00BVYPNQ40.USD":"GUINNESS ASIAN EQUITY INCOME \"C\" (USD) ACC","SGXZ90724238.SGD":"UNITED ASIA \"A\" (SGD) INC","LU0561508036.HKD":"ALLIANZ CHINA EQUITY \"A\" (HKD) INC","LU0708995583.HKD":"TEMPLETON CHINA \"A\" (HKD) ACC","LU0287142896.SGD":"Fidelity China Focus A-SGD","LU1497733631.SGD":"Eastspring Investments - Asian Low Volatility Equity Fund ASDM SGD","LU0327786744.USD":"Janus Henderson Horizon China Opportunities A2 USD","LU0359201885.HKD":"BGF CHINA \"A2\" (HKD) ACC","LU0320764599.SGD":"FTIF - Templeton China A Acc SGD","LU1224444064.USD":"ALLIANZ GEM EQUITY HIGH DIVIDEND \"AM\" (USDHDG) INC","SG9999007991.SGD":"Schroder Asian Income A Dis SGD","03143":"华夏香港银行股","LU0307460666.USD":"EASTSPRING INVESTMENTS CHINA EQUITY \"A\" ACC","LU0048580855.USD":"富达大中华区A","LU1522347837.USD":"EASTSPRING INV ASIAN LOW VOLATILITY EQUITY FUND \"A\" (USD) ACC A","IE00BGHQDM52.EUR":"GUINNESS ASIAN EQUITY INCOME \"C\" (EUR) ACC","LU2449936058.SGD":"SUSTAINABLE ASIA EQUITY \"AA\" (SGD) ACC","LU0588546209.SGD":"Eastspring Investments - China Equity Fund AS SGD","LU0164880469.USD":"HSBC GIF HONG KONG EQUITY \"AC\" ACC","HK0001040143.USD":"中信里昂大中华高息股票基金 美元","LU0823426308.USD":"法巴中国股票基金","LU0348827113.USD":"ALLIANZ RCM CHINA \"AT\" ACC","SG9999002463.SGD":"LionGlobal China Growth SGD","LU0293314216.USD":"ALLIANZ GEM EQUITY HIGH DIVIDEND \"A\" (USD) ACC","IE0032431581.USD":"PINEBRIDGE GREATER CHINA EQUITY \"A\" (USD) ACC","LU1880383366.USD":"东方汇理中国股票基金 A2 (C)"},"translate_title":"[Reading Financial Report] Perspective of \"Five Big Articles\" of Six State-owned Banks: ICBC leads the Agricultural Bank of China to deeply cultivate \"rural areas and farmers\" inclusive","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"01398":0.65,"03143":0.6},"content_text":"新华财经北京4月9日电 2025 年国有六大银行年报全面出炉，作为服务实体经济的主力军，六大行紧扣科技金融、绿色金融、普惠金融、养老金融、数字金融“五篇大文章” 战略部署，持续将金融资源精准投向实体经济关键领域与薄弱环节。　　从年报数据来看，六大行立足自身资源禀赋精准发力，形成特色鲜明、优势互补、协同并进的“五篇大文章”发展格局。其中，工商银行、农业银行表现尤为突出。工商银行全领域规模领跑，农业银行深耕 “三农” 与普惠金融，交出亮眼答卷。　　工商银行：“五篇大文章”各领域保持领先　　2025 年，工商银行将做好“五篇大文章”作为金融服务高质量发展的重要抓手，在“五篇大文章”各领域均保持规模领先地位。　　科技金融方面，工商银行完善“五专”服务机制，推出“研发贷”“创新积分贷”“颠覆性技术创新专项贷”等特色融资场景，2025 年末科技贷款余额 6 万亿元，较年初增长近 1 万亿元，增速19.9%；绿色金融方面，2025 年末绿色贷款余额超 6.7 万亿元，总量稳居同业第一；普惠金融方面， 2025 年末普惠型小微企业贷款余额 3.6 万亿元，涉农贷款余额突破 5 万亿元；养老金融方面，2025 年末管理各类养老金规模超 5.9 万亿元，个人养老金累计开户数和缴存额居同业第一；数字金融方面，建成千亿参数金融大模型“工银智涌”，2025 年末数字经济核心产业贷款余额超 1 万亿元，个人手机银行月活客户数保持市场领先。 图1：2025年工商银行“五篇大文章”推进情况　　农业银行：深耕“三农”普惠　　农业银行金融服务乡村全面振兴的质效稳步提升，在普惠金融和县域金融领域表现尤为突出。公司连续5年在服务乡村振兴监管考核评估中获评最高等级“优秀”，为20家全国性金融机构中唯一一家。　　截至 2025 年末，农业银行普惠贷款余额 4.35 万亿元，较上年末增长 20.9%；普惠型小微企业贷款余额 3.93 万亿元，较上年末增长 21.7%；普惠型小微企业有贷客户数 523.94 万户，较上年末增加 65.75 万户。 图2：农业银行历年普惠型小微企业贷款余额　　2025年，农业银行县域贷款增速持续高于全行。全力支持乡村全面振兴和城乡融合发展，县域贷款余额10.9万亿元，增速11.0%，余额占境内贷款比重41.0%。　　建行重点领域贷款两位数增长中行绿色贷款增速较快　　建设银行2025年金融“五篇大文章”等重点领域贷款实现两位数增长。　　科技金融方面，建设银行2025年末科技贷款余额5.25万亿元，增速18.91%；绿色金融方面，绿色贷款余额6万亿元，增速20.54%；普惠金融方面，普惠型小微企业贷款余额3.83万亿元，增速12.37%。 图3：2025年建设银行金融“五篇大文章”推进情况　　中国银行2025年年报披露，公司科技金融优势巩固，截至年末共为 17.18 万家企业提供 4.82 万亿元科技贷款支持，首批发行 200 亿元科创债。绿色金融领跑同业，绿色贷款较年初同口径增长 27.83%，保持市场领先，绿色债券投资和承销量位居行业前列。普惠金融增量扩面，截至年末共为 180 多万户小微企业提供普惠贷款约 2.77 万亿元。养老金融多维发力，个人养老金新增缴费客户超 300 万户，养老金托管资金规模 1.32 万亿元，养老金受托资金规模 3180 亿元。数字金融加速赋能，个人手机银行月活客户达 1.05 亿户，同比增长 7.11%，数字人民币消费额保持市场领先。　　交通银行方面，截至 2025 年末，交通银行科技贷款余额 1.58 万亿元，较上年末增长 10.73%。境内行绿色贷款余额 9508.25 亿元，较上年末增长 14.16%。普惠小微贷款余额 9100.50 亿元，较上年末增长 20.76%。养老产业贷款余额 67.62 亿元，较上年末增长 49.12%。数字经济核心产业贷款余额 3193.20 亿元，较上年末增长 14.46%。　　2025年末，邮储银行科技贷款余额突破9500亿元。绿色贷款余额突破1万亿元。普惠型小微企业贷款余额1.8万亿元。2025年，公司金融社保卡结存卡量超1.32亿张，手机银行月活客户规模突破9000万户。（文章来源：新华财经）","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":1,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"tenantId":"TBCN","deviceId":"web-server-community-laohu8-v3","version":"4.42.0","shortVersion":"4.42.0","platform":"web","vendor":"web","appName":"laohu8","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2626973274","isCrawlerRequest":true}

【读财报】国有六大行“五篇大文章”透视：工行领跑 农行深耕“三农”普惠

精彩评论

【读财报】国有六大行“五篇大文章”透视：工行领跑农行深耕“三农”普惠