作者：帝乙 来源：原创 发布日期：08-24
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深圳前海微众银行股份有限公司(简称：微众银行)于2014年12月正式成立，是国内首家数字银行，由腾讯等知名企业联合发起设立，受国家金融监管部门监管。微众银行不设线下实体网点，所有业务均依托线上渠道数字化开展，聚焦普惠金融，服务大众与中小微企业。 COLUMBUS, Ohio -- With Election Day closing in, anti-abortion groups seeking to build opposition to a reproductive rights measure in Ohio are messaging heavily around a term for an abortion procedure that was once used later in pregnancy — but hasn't been legal in the U.S. for over 15 years.In ads, debates and public statements, the opposition campaign and top Republicans have increasingly been referencing “partial-birth abortions” as an imminent threat if voters approve the constitutional amendment on Nov. 7. “Partial-birth abortion” is a non-medical term for a procedure known as dilation and extraction, or D&X, which is already federally prohibited.“It would allow a partial-birth abortion,” Ohio Gov. Mike DeWine told reporters recently as he explained his opposition to the constitutional amendment, known as Issue 1. “For many years, in Ohio and in this country, we’ve had a law that said a partial-birth abortion — where the child is partially delivered and then killed and then finally delivered — was illegal in Ohio,” the governor continued. “This constitutional amendment would override that.” Constitutional scholars say that is not true and that the amendment would not override the existing federal ban if Ohio voters approve it.“So changing our constitution will not affect in the slightest way the applicability of the federal partial-birth abortion ban,” said Dan Kobil, a law professor at Capital University in Columbus, who supports abortion rights. “It would be a federal crime for a doctor to violate that ban."That's because the supremacy clause of the U.S. Constitution calls for federal laws to trump state laws, said Jonathan Entin, professor emeritus of law at Case Western State University.“If the federal law prohibits a particular technique, then that’s going to prevail over a state law that might be inconsistent,” he said.Ohio is the only state this November where voters will decide whether abortion should be legal. But the debate isn’t happening in isolation. The state has been used as a campaign testing ground by anti-abortion groups after a string of defeats since the U.S. Supreme Court overturned a constitutional right to the procedure. And next year, abortion rights supporters are planning to put the question before voters in several more states, ensuring the issue will be central to races up and down the ballot.A D&X procedure involved dilating the woman’s cervix, then pulling the fetus through the cervix, feet-first to the neck. The head was then punctured and the skull emptied and compressed to allow the fetus to fit through the dilated cervix. Before the federal ban, it was used for both abortions and miscarriages in the second and third trimesters of pregnancy.DeWine was serving in the U.S. Senate when the Partial-Birth Abortion Ban Act was passed in 2003. He voted for the prohibition, which declared a “moral, medical, and ethical consensus” that the procedure was “gruesome and inhumane.” President George W. Bush signed the measure into law with DeWine at his side.The ban was largely on hold while a constitutional challenge played out. The U.S. Supreme Court in 2007 rejected arguments against the law, upholding its application across all 50 states.Asked why the governor suggested a federal law he supported would not apply if Ohio changes its constitution, spokesman Dan Tierney said DeWine bases his position on provisions of the U.S. Constitution that prevent the federal government from regulating conduct that has no effect on interstate commerce. Kobil acknowledged that argument, but said it’s “almost certain to fail” if tested, given that the Supreme Court already declared the ban constitutional.DeWine isn't the only top elected Republican in the state to warn that the procedure would be revived if the amendment passes on Nov. 7.In a memo earlier this month, Republican Attorney General Dave Yost said the state’s laws outlawing abortions through D&X and another procedure, non-intact dilation and evacuation, or D&E, the most common second trimester method, “would both be invalidated and these abortions would be permitted” if the amendment passes. The Ohio Senate’s Republican supermajority passed a resolution saying something similar.Entin, of Case Western, said “to the extent that the Ohio laws he’s discussed are also covered by the federal law, it doesn’t matter,” because federally banned procedures would remain illegal.Kelsey Pritchard, director of state public affairs for Susan B. Anthony Pro-Life America, whose political arm is a major funder of the campaign opposing the amendment, said the federal ban “lacks enforcement” under a Biden Administration she described as “extreme pro-abortion.”“If it's not being enforced, if there's no teeth to it, then the protections need to happen at the state level,” argued spokesperson Amy Natoce of Protect Women Ohio, the Issue 1 opposition campaign. “Of course, if Issue 1 passed, we won't have those protections.”Mae Winchester, a Cleveland-based maternal fetal medicine specialist, said use of the term in the campaign messaging over the amendment is misleading.“‘Partial-birth abortion’ is a made-up term that only serves to create confusion and stigmatize abortion later in pregnancy,” she said. “It’s not a procedure that’s described anywhere in medical literature, and so it’s not considered a medical term or even an actual medical procedure.”Ohio passed the nation's first ban on what its lawmakers then dubbed “partial birth feticide” in 1995, just three years after Ohio physician Martin Haskell debuted the D&X procedure during an abortion practitioners conference. He touted it as a way to avoid an overnight hospital stay and as safer and less painful for women than other methods. Protect Women Ohio has invoked Haskell’s legacy in one of its ads. It shows an image of Haskell and describes the procedure he pioneered as “painful for the mother and the baby.” The voiceover then calls for a no vote on the amendment “so people like Dr. Haskell can't perform painful ‘late-term’ abortions.”The spot doesn’t note the distinction between “partial-birth” and “late-term” abortions — both non-medical terms coined by anti-abortion advocates — nor reference the federal ban.Mike Gonidakis, president of Ohio Right to Life, said because of protections provided to individuals and abortion providers in the amendment, “The ad withstands any scrutiny.”Haskell retired from active practice two years ago. He declined comment. But he has donated to the main group supporting the constitutional amendment, Ohioans United for Reproductive Rights.Pro-Choice Ohio Executive Director Kellie Copeland called talk of “late-term” and “partial-birth” abortions a scare tactic.“Issue 1 allows for clear restrictions on abortion after viability that protect patients’ health and safety,” she said. “These situations, when a woman needs an abortion later in pregnancy, are incredibly rare and heartbreaking for families.” Ohio hasn’t had an abortion of any type performed after 25 weeks’ gestation since 2018 and only four have been recorded since 2013, according to statistics compiled by the state Health Department. Abortions between 21 and 24 weeks’ gestation, a span that encompasses the outside limit of Ohio’s current law, totaled 576, or 0.6% of the total, over that time.Pritchard, of Susan B. Anthony Pro-Life America, attributed the low numbers to the state's existing abortion restrictions.___Associated Press reporter Christine Fernando in Chicago contributed to this report.。
打磨多元产品服务，拓展普惠金融服务边界
微众银行自成立之日起，便以科技为核心发展引擎，以“让金融普惠大众”为使命，为普罗大众和中小微企业提供平等、安全、高效、普惠的优质金融服务。
二 | 微众银行的金融服务包括个人金融和企业金融。个人金融产品有微粒贷、微账户、微众银行财富+、微车贷等，企业金融产品有微业贷，还推出了企业金融服务品牌微众企业+，打造全链路数字化企业服务生态。 微粒贷是微众银行于2015年推出的首款线上小额信贷产品，内嵌于手机QQ和微信平台。
三 | 微粒贷授信额度范围为500元-20万元，年利率(单利)3.06%-23.76%，按日计息，支持提前还款且不收取违约金。截至2025年末，微粒贷累计服务超8000万借款客户，切实满足普罗大众的小额消费信贷需求。 微业贷是微众银行于2017年推出的国内首个线上无抵押企业流动资金贷款产品，无需纸质材料，线上申请，最高可贷1000万，审核通过后最快1分钟到账，有效降低了中小微企业获得融资服务的门槛，让分散在全国各地的中小微企业都能随时随地获得高质效的线上金融服务。
构建高效组织体系，打造可持续人才发展生态
依托丰富多元的产品矩阵，微众银行持续扩大普惠金融服务覆盖面，而业务的稳健发展，离不开科学完善的组织治理体系与高素质人才队伍作为坚实后盾。自成立以来，微众银行便构建了敏捷组织、创新文化与优秀人才的“黄金三角”，秉持“以人为本”理念，不断完善员工福利保障体系，邀请家属走进微众、开设WeBaby幼托中心等方式，平衡员工的工作与家庭生活。 人才培养方面，微众银行持续吸纳AI、大数据、云计算等领域专业人才。
四 | 依托“We 学堂”培训平台，分层开展干部与全员培养，全年线上线下课程资源完备，多方面培养人才;同时搭建全员AI能力图谱，开设系列专项课程并落地能力认证，培育数字化复合型人才。长期稳定高比例科技投入，搭配干部梯队建设、产学研协同机制，持续夯实金融科技人才储备，为AI原生数字银行建设筑牢人力根基。 坚守社会责任底色，落实无障碍金融服务 微众银行秉持普惠金融初心，积极推进无障碍服务建设，保障特殊群体平等、便捷地享受数字金融服务。针对听障群体，微粒贷搭建专属手语服务团队，开通远程视频核验通道，简化业务办理流程;针对视障用户，微众银行对微粒贷、微众银行财富+两大核心产品完成语音读屏适配改造，优化界面展示、产品信息读取功能，依托技术适配让视障客户可独立办理借贷、理财查询等业务，切实消除数字服务壁垒。 总结 2026年是微众银行成立发展的第十二年，自成立以来，微众银行坚定践行“让金融普惠大众”的使命，切实提升金融服务的覆盖率、可得性和满意度。2026最新数据显示，微众银行累计服务个人有效客户超4.5亿、累计申贷的中小微企业超840万，累计授信金额1.9万亿元，借助数字化金融活水，精准滴灌大众消费与实体经济。
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