在银发经济日益蓬勃发展的今天，如何为老年人提供丰富多样的教育资源已成为社会关注的焦点。量子 之歌旗下银发兴趣学习平台"千尺学堂"凭借其创新的"线上+线下"一体化服务模式，在这一领域取得了 显著成果。 千尺学堂自成立以来，便致力于为中老年人提供丰富多样的在线学习资源。其线上课程涵盖了书法、钢 琴、八段锦、站桩等多个领域，课程设计充分考虑了中老年学员的学习特点和需求。通过引入先进的 CTA课程模型，千尺学堂将课程内容、适配工具与人工智能相结合，为学员提供了个性化、智能化的学 习体验。例如，在书法课程中，学员可以通过视觉识别与AI评分系统精准分析自己的作品，并获得专 业的修改建议；在站桩课程中，智能手环则能够实时监测学员的心率、呼吸频率等数据，为学员提供个 性化的运动报告。 除了线上课程外，千尺学堂还积极打造线下游学项目，为中老年人提供了更多元化的学习选择。围绕不 同的主题，千尺学堂推出了景德镇陶艺、武当山太极等游学线路，让学员在游学中领略中华文化的博大 精深。同时，千尺学堂还配备了专业的队医、助教、摄影师等团队，确保学员在游学过程中的安全和舒 适。 在社区服务方面，千尺学堂也取得了显著成效。通过与街道养老服务中心 ...

爱博绿是全国领先的循环产业科技企业，专注于再生资源的全产业链运营，业务涵盖全品类回收、集中 分拣、环保拆解、材料再生及数字化循环解决方案。公司于2016年在深圳成立，其"点-站-中心"三级回 收网络延伸覆盖全国681个城市，拥有4200个回收网点，340余个中转站，12个分拣中心，3.6万名收收 哥。 在国家"双碳"目标和广东省"两新"政策驱动下，双方聚焦循环经济发展新路径，以"数字化赋能、全链 条协同、市场化运营"为抓手，重点推进三大任务： 1.全品类回收 5月22日，第二十一届中国(深圳)国际文化产业博览交易会在深圳国际会展中心召开，会上深圳悦焕新 科技有限公司(以下简称"粤焕新")与深圳市爱博绿环保科技有限公司(以下简称"爱博绿")举行了战略合 作签约仪式，双方将充分发挥各自在政府公信力支持、数字化资源整合的专业优势，重点围绕市场战略 协同、专业技术融合、解决方案创新等多个维度，携手打造"以旧换新+绿色回收"全链路服务体系。粤 焕新项目负责人郑錞与爱博绿政企事业部负责人钟海生进行了现场签约。 粤焕新由广东省政府"大规模设备更新和消费品以旧换新"工作专班及省发改委联合指导设立，是服务于 广东"两新"工作的 ...

传播知识，点亮万家灯火 在传播存款保险知识的道路上，该行始终秉持一种信念：让政策说百姓听得懂的话，让知识走完"最后 一公里"。面对不同群体的认知差异，南通农商银行建立起精准化宣传网络。面对老年客户群体，启动 银发守护计划，重阳节走进敬老院演示防诈骗技巧，手把手教老人识别存款保险标识。针对新市民群 体，开展新市民赋能行动，用"歇脚十分钟"微课堂为菜场摊主、外卖骑手们讲解理财知识。启动企业护 航工程，深入重点企业支起"存保知识充电站"，将存款保险与工资代发、理财规划相结合。开展"小小 银行家"活动，引导孩子们画出心中的"存款保护伞"，通过教育一个孩子，带动整个家庭，实现知识传 递。 存款保险制度的生命力不在高悬庙堂，而在于扎根市井巷陌，要让百姓真正感知这份安心，需要将政策 语言转化为生活叙事。远近闻名的"谨慎人"李大爷，现在逢人就夸存款保险好。"以前总觉得钱放床底 下安心，现在终于明白，有这个保护伞罩着，存银行比藏家里踏实！"这份转变背后，是南通农商银行 十年如一日的暖心宣传。从台风天营业厅里的动画短剧，到社区活动室的方言情景剧，该行把复杂的政 策条文转化为"李大爷退休规划""王阿姨买菜账本"这样的生活场景，用街 ...

Core Viewpoint - Jiangyin Rural Commercial Bank is focusing on providing precise services, innovative products, and digital momentum to support the development of the county economy, aligning with the financial service strategy of "Five Major Articles" [1] Group 1: Optimizing Credit Structure - The bank prioritizes adjusting its credit layout to support the transformation of county industries, increasing support for manufacturing and technology enterprises [3] - The bank has engaged with 5,109 key enterprises and emerging industry entities, including 81 specialized and innovative enterprises, to create targeted financing plans, resulting in a total credit issuance of 400 million yuan [3] Group 2: Innovative Financial Products - To address the financing bottlenecks faced by small and micro enterprises lacking collateral, the bank has launched the "Yunqi Yidai" online product, which provides credit or flexible guarantee financing options based on integrated business data and tax records [5] - The bank is exploring diverse business models such as syndicate loans and direct bill discounting to create a comprehensive product system that meets the funding needs of enterprises at different development stages [5] Group 3: Enhancing Service Collaboration - The bank promotes a "Party Building + Finance" model, encouraging executives and middle management to participate deeply in local economic development, establishing a special service mechanism for major projects [7] - An internal referral collaboration mechanism has been improved to enhance the bank's service efficiency, creating a service pattern of "top-down linkage and departmental collaboration" [7] Group 4: Strengthening Risk Control - The bank integrates risk control throughout the entire business process, establishing a risk control system that includes strict pre-loan reviews, detailed mid-loan management, and close post-loan tracking [9] - The bank dynamically monitors the operational status of enterprises and optimizes risk warning mechanisms to ensure the safety of credit funds while balancing support for enterprise development and financial security [9] Group 5: Promoting Technology Empowerment - Leveraging financial technology, the bank accelerates the promotion of online products like "Yunqi Yidai," achieving full digitalization of the loan application, approval, and disbursement process, significantly reducing service time and financing costs for enterprises [11] - The bank is actively exploring services in capital markets, such as bond underwriting, to upgrade financial services towards diversification and intelligence, helping enterprises expand financing channels and embrace new opportunities in the digital economy [11]

Core Viewpoint - Yizheng Rural Commercial Bank has implemented a provincial compliance management system under the guidance of Jiangsu Rural Commercial Bank, enhancing compliance risk identification, timely response, and effective prevention, thereby strengthening the risk management framework for high-quality business development [1] Group 1: Compliance Management System Implementation - The bank has fully launched the provincial compliance management system, leveraging intelligent warning and dynamic monitoring functions to improve compliance risk management [1] - A four-level verification responsibility system has been established, ensuring that responsibilities are clearly defined and executed at all levels [3] - The bank has integrated various departments to form a cross-departmental warning verification team, enhancing collaboration and efficiency in risk management [6] Group 2: Resource Allocation and Team Building - The compliance management department has been equipped with comprehensive system access, utilizing big data analysis for intelligent risk identification [5] - A specialized compliance management team has been formed, consisting of experienced professionals from various fields, providing strong analytical support for warning data verification [5] - The bank has established a collaborative mechanism involving multiple departments to address complex risk issues effectively [6] Group 3: Risk Classification and Control - A risk grading system has been developed, categorizing warning indicators into important, general, and attention levels to focus on high-risk areas [8] - Precise prevention strategies have been implemented, prioritizing resources for high-risk warnings and ensuring comprehensive checks on loan-related activities [8] - The bank is managing employees throughout their entire cycle, establishing special management files for those with abnormal behaviors to ensure effective risk control [9] Future Outlook - Yizheng Rural Commercial Bank plans to further optimize its warning data verification mechanism, exploring new methods through digital transformation and AI to enhance efficiency and improve risk management [9]

二是强化专业能力建设，构建全员服务新格局。该行通过常态化业务培训强化员工对信用卡产品特性、 消费政策及场景营销的精准把握，组建专业服务团队开展驻点辅导，通过情景模拟、话术优化等实战演 练，全面提升一线人员消费场景营销能力，并创新实施"消费增长贡献度"绩效考核模型，将商圈覆盖 率、客户活跃度等12项指标纳入考核体系，有效激发了全员营销动能。 三是深化客户精细运营，培育优质客群生态。该行重点围绕代发工资、收单商户、高净值客户三大核心 客群，制定差异化服务策略，推出"消费积分倍增计划""优质客户尊享权益"等长效激励机制，将信用卡 绑卡消费与财富管理、信贷服务深度融合，实现客户价值贡献度提升40%。目前，该行优质消费客户规 模较年初增长25%，消费活跃度持续领跑区域同业。 下阶段，工行宿迁分行将持续深化消费场景生态建设，加快数字化转型步伐，优化资源配置效率，为区 域消费市场高质量发展注入更强金融动能。 江南 江南时报讯 今年以来，工行宿迁分行深入贯彻落实国家扩内需、促消费战略部署，以提升信用卡 纯消费额为突破口，通过产品创新、场景深耕、服务升级等多举措，全面激发消费市场活力。截至4月 末，该行今年信用卡纯消费额已达1 ...

Group 1 - The core viewpoint emphasizes the significant role of small and micro enterprises in local economic development, highlighting their contribution to employment and innovation [1] - The company, Guanyun Rural Commercial Bank, recognizes the importance of small and micro enterprises and actively provides financial support to them, positioning itself as a reliable partner in their growth [1] - The bank has implemented comprehensive training programs for its customer managers to enhance their capabilities in serving small and micro enterprises, covering various aspects such as credit policy interpretation and risk assessment [1] Group 2 - The bank has increased incentives for corporate loan business, doubling the valuation of daily net increases in corporate loans and establishing special reward funds to motivate customer managers [2] - The bank is exploring comprehensive development paths by collaborating with other banks for syndicate loans and offering diverse financial service options to small and micro enterprises [2] - Guanyun Rural Commercial Bank aims to continue optimizing services and innovating products to inject financial vitality into small and micro enterprises, contributing to economic development [2]

坚持稳健审慎，坚决守牢风控底线。该行把稳健审慎经营作为"铁律"，以"时时放心不下"的责任感，坚 决守牢风控底线。加强对各类风险的识别、计量、评估、监测、报告、控制或缓释等全过程管理，依托 科技手段固化风控长效措施，实现对风险的闭环管理。提升创新业务风险评估的全面性、前瞻性和专业 性，实现对创新业务的"全生命周期"管理。加强全面风险管理体制机制建设，强化一二三道防线的协同 联动，由管理风控指标向管理问题主体穿透。合理设置风险限额管理指标，制定以防控风险为主题的指 标优化提升方案，确保关键核心指标稳定。 坚持守正创新，坚定支农支小定力。该行深耕普惠金融，坚守市场定位，坚定做小做散。画好农村服务 地图，获取当地"人、地、产"一手数据，划分村网格、社区网格，客户经理结合数据信息上门开展深度 走访，做好批量授信和用信转化。优化城区网格服务，划分社区网格、小区网格、商业街网格，挖掘金 融服务的切入点，实现有效获客。强化园区网格服务，划分园区网格，建立营销团队，走访园区企业， 实现以拳头产品获客、以优质服务留客。完善数字化营销平台，对网格客户建立标准档案，实现户户有 人管、人人有户管。 坚持依法合规，夯实经营发展根基。该行 ...

银龄守护，共建最美夕阳红。该行"小圆服务队"秉承"尊老、爱老、敬老、助老"的优良传统，积极对接 南通老年大学，将"反诈宣传小课堂"送到老年人身边，以创新宣传形式为老年学员们送上一份实用的金 融安全指南。服务队队员现场为老年人提供"一对一"咨询服务，结合近期频发的诈骗案例，讲解老年群 体中常见的诈骗类型及新型诈骗手段，如假冒公检法诈骗、虚假保健品推销、虚假养老保险代办服务 等，并与老年人互动答疑，共建微信群，构筑反诈长期防线。 公益惠民，文艺赋能更走心。该行积极响应国家"乡村振兴"号召，主动延伸金融服务半径，联合艺术团 体打造"反诈同心·你我同行"主题晚会，将反诈科普融入文艺展演，深入行政村上演别开生面的"金融 +文艺"宣传盛宴。非遗展演、戏曲联唱、金融主题情景剧、反诈快板书等多元形式，赢得村民们阵阵 喝彩。工作人员现场演示"防诈四步法"，用"天上不会掉馅饼"等通俗警语，强化老百姓风险意识，打造 更接地气、更有温度的普惠金融服务。 作为金融安全守护者，南通农商银行将始终践行"金融为民"初心，坚持"用心服务"理念，不断探索反诈 工作新思路，构建常态化宣传机制，守护好群众的"钱袋子"，为维护和谐稳定的金融环境贡献力 ...

聚焦机制创新，激发组织活力。"书记镇长进支行 乡村振兴携手行"共建活动历时两年半，实现全市14 个建制镇全覆盖；"党建金融干部挂职""金融助理驻村"挂职交流历时6年，完成镇长助理向党委委员、 主任助理向第一书记的提档升级；按照"一支部一特色"的要求，因地制宜打造"红石榴""果蔬椒乡""红 色五次方"等10个"懂你党建"子品牌。 聚焦民生福祉，彰显金融担当。聚焦银发客群，联合打造社区（居家）养老服务系统，为辖内7.1万名 高龄老人提供居家上门智能化服务；聚焦医疗领域，创新建立"智慧医疗"场景，投放"银医通"自助终端 80余台，年均提供自助服务突破30万余次；聚焦民生保障，开发"家门口"政务服务平台，年均办理换 卡、补卡、激活业务超万次，提供居保参保、补缴申请、领取申报和缴费查询等一站式服务突破3000 次。 江南时报讯 近年来，东台农商银行始终坚持党建引领，将红色基因融入发展血脉，将"党管金融"的政 治优势转化为发展优势，通过"三个聚焦"实现党建工作与业务发展的同频共振。 聚焦理论武装，筑牢思想根基。以习近平新时代中国特色社会主义思想凝心铸魂，深学细悟习近平总书 记关于金融工作的重要论述，以实际行动坚定拥护"两 ...