Core Insights - The Industrial and Commercial Bank of China (ICBC) Nantong Rugao Branch has achieved a significant increase in wealth clients, with a net addition of 300 clients by the end of November 2025, representing a year-on-year growth of 36% [1] Group 1: Strategy and Implementation - The branch has focused on the "Key Client Group Offensive Competition" as a core assessment indicator, enhancing the valuation of wealth client increments and motivating staff through performance assessments [1] - A competitive atmosphere has been fostered by requiring all staff, including tellers and lobby managers, to recommend potential clients to wealth managers daily, creating a culture of collective responsibility for client growth [1] Group 2: Client Engagement and Retention - The branch has implemented targeted strategies for upgrading wealth clients, including personalized outreach and promotional activities such as "升金有礼" and "工银i豆" to enhance client asset levels [2] - A dedicated service team has been established for single product clients, conducting in-depth KYC (Know Your Customer) processes and offering tailored financial products to promote comprehensive asset allocation [2] - The branch has successfully recalled some lost clients by analyzing reasons for attrition and offering attractive financial products like five-year large-denomination certificates of deposit and foreign currency investments [2] Group 3: Team Development and Training - Regular training sessions are conducted for branch managers and wealth managers to enhance their knowledge of financial products and marketing skills, including simulated marketing exercises [2] - The branch organizes reviews for underperforming wealth client segments and shares successful case studies from top-performing wealth managers to identify areas for improvement [2]

Core Viewpoint - The construction of a beautiful Jiangsu is essential for safeguarding public welfare and promoting sustainable economic and social development, with public satisfaction regarding the ecological environment consistently exceeding 90% [1][2]. Group 1: Pollution Prevention Achievements - During the "14th Five-Year Plan" period, Jiangsu has achieved significant milestones in ecological civilization and environmental protection, with PM2.5 concentration and heavy pollution days reaching the best levels on record [2]. - The proportion of national monitoring sections with water quality rated above Grade III reached 94.8%, an increase of 11.5 percentage points compared to the end of the "13th Five-Year Plan" [3]. - Jiangsu has completed the comprehensive transformation of over 10 million tons of steel production capacity to ultra-low emissions and has eliminated diesel trucks that do not meet the National III emission standards ahead of schedule [2]. Group 2: Green Transformation and Resource Utilization - Jiangsu has improved resource utilization efficiency and steadily advanced green transformation, creating 15 national demonstration counties for resource conservation [4]. - The province has reduced the construction land occupied per unit of GDP by 22.2% during the "14th Five-Year Plan" [4]. - The agricultural sector has focused on efficient input utilization and green low-carbon development, implementing standardized pond renovations covering 1.8 million acres [5]. Group 3: Water Resource Management - Jiangsu has controlled total water consumption within 62 billion cubic meters, achieving a reduction of approximately 22% in water usage per unit of GDP compared to 2020 [8]. - The province has built 4,762 happy rivers and lakes, exceeding the targets set in the "14th Five-Year Plan" [8]. - Jiangsu has been recognized for its strict water resource management, achieving "eleven consecutive excellent" ratings in national assessments [8].

Core Viewpoint - A bank manager at Nantong Haimen Samsung Branch successfully intercepted a telecom fraud case, demonstrating the bank's commitment to protecting customers' financial safety and enhancing fraud awareness [1][2]. Group 1: Incident Overview - The incident began with a customer attempting to sell used clothing on an online platform, where a buyer claimed that the customer's account was frozen due to incomplete certification and requested a transfer of 10,000 yuan to "unfreeze" the account [1]. - The customer, eager to complete the transaction, transferred 5,000 yuan and sought additional funds through a loan platform, triggering a bank risk control alert that temporarily froze her account [1]. Group 2: Bank's Response - Upon the customer's arrival at the bank, the manager, using his fraud prevention experience, identified the situation as a typical telecom scam and advised the customer against proceeding with the transaction [2]. - The manager explained the common tactics used in such scams and recommended that the customer report the incident to the police to protect her legal rights [2]. Group 3: Bank's Commitment to Fraud Prevention - The successful interception of the fraud case highlights the bank's strong business acumen and sense of responsibility, as well as its effective consumer rights protection efforts [2]. - The bank has prioritized fraud prevention through various initiatives, including in-branch presentations and case sharing, to enhance customers' awareness of fraud risks [2]. - The bank plans to continue strengthening its financial security measures to safeguard customers' assets in the future [2].

Core Insights - The article highlights a case of a customer experiencing unauthorized deductions from her bank account, leading to a significant emotional response and a series of interactions with bank staff to resolve the issue [1][2] - It emphasizes the importance of customer service in the banking industry, showcasing how proactive and empathetic responses can restore customer trust and satisfaction [2] Group 1: Customer Experience - A customer reported a sudden loss of funds from her account, initially believing it to be a bank error, which led to a heated confrontation at the bank [1] - The bank manager assisted the customer in identifying unauthorized insurance deductions from her account, demonstrating the need for clear communication and support in financial services [1][2] - After resolving the initial issue, the customer returned with another complaint about further deductions, indicating a pattern of hidden insurance policies that target vulnerable customers [1] Group 2: Service Response - The bank manager took initiative to investigate and resolve the customer's issues, ultimately securing refunds for both unauthorized transactions [2] - The successful resolution of the customer's complaints resulted in her transferring a significant amount of savings to the bank, reflecting the impact of effective customer service on client loyalty [2] - The bank's commitment to customer-centric service is reinforced, aiming to build trust and provide a sense of security for clients in their financial dealings [2]

Core Insights - The incident highlights the importance of effective customer service and communication in the banking industry, particularly during stressful situations for clients [4] Group 1: Customer Experience - A customer expressed frustration over the inability to cancel a newly opened pension account due to procedural rules, indicating a gap in communication regarding these rules [2][3] - The bank staff, including the lobby manager and branch manager, demonstrated effective conflict resolution skills by offering alternative solutions and maintaining a calm demeanor [3] Group 2: Service Resilience - The situation served as a pressure test for the bank's service resilience, revealing that customer anger often stems from feelings of helplessness and information asymmetry rather than the rules themselves [4] - The bank's ability to transform a rigid "cannot process" situation into a proactive "here's how we can help" approach showcased the value of empathy and responsibility in customer service [4]

Core Viewpoint - The article highlights a case where a bank branch efficiently assisted a distressed customer in accessing funds for urgent medical expenses, demonstrating the importance of compassionate service within financial regulations [1][2]. Group 1: Incident Description - An elderly woman urgently sought help at a bank branch after her daughter suffered a severe medical emergency and needed funds for treatment, but was unable to access her bank account due to a forgotten password [1]. - The bank staff initiated a "special case handling" process to address the urgent situation, ensuring compliance while expediting the necessary verifications [1]. Group 2: Resolution and Impact - Through meticulous and efficient operations, the bank successfully transferred the required funds to the hospital, providing critical financial support for the patient's treatment [2]. - The successful transaction not only alleviated the immediate financial burden but also exemplified the bank's commitment to the principle of "financial benevolence," showcasing a balance between regulatory adherence and empathetic service [2].

冬日清晨，凛冽的寒风裹着凉意掠过街头，而工行南通如东双甸支行的营业厅内，早已是一派忙碌的工 作景象。我正在大堂为客户提供业务指导，忽然听到柜台方向传来一阵急促又焦灼的声音："密码不对 可怎么办啊，卡是我儿子的，他中风住院了，这钱取不出来，后续治疗可怎么弄！" 闻声后，我快步走到这位客户身旁，只见阿姨的手紧紧攥着银行卡，眼眶泛红，语气里满是无助。我轻 声安抚道："阿姨，您先别着急，坐下来慢慢说。儿子突然住院，您心里肯定又急又慌，我们特别理 解。不过您放心，我们针对这类特殊情况有专门的服务方案，可以安排工作人员跟着您去医院核实情 况，让他现场按指纹，您再带上两人的身份证，就能办理密码修改，不会耽误后续用钱。" 得知阿姨是乘出租车赶到网点后，我们当即决定由我和另一位同事陪同阿姨先回家取身份证，再一同前 往医院完成信息核实。车辆在马路上平稳行驶，阿姨坐在一旁反复说着感谢："我活了大半辈子，从没 见过银行还能这么贴心，大冷天的，还让你们跟着我跑东跑西。"我们只是笑着告诉她，这是我们该做 的，能帮上忙就好。 寒风依旧吹着，但网点里的暖意却久久不散。或许对我们而言，这只是一次平常的特殊服务，可对那位 阿姨来说，却是寒冬里最 ...

Core Insights - TIL (Tumor-Infiltrating Lymphocytes) therapy is recognized as a promising treatment for late-stage solid tumors, leveraging the patient's own tumor tissue for extraction and expansion [1][2] - The conventional TIL therapy faces challenges such as high costs, long preparation times, significant toxicity, and high clinical management thresholds [1] - Junshi Biosciences has made significant technological advancements with platforms like DeepTIL, NovaGMP, and RiverTIL, aimed at improving the efficiency and accessibility of TIL therapies [1][2][3] Group 1: Technological Innovations - The DeepTIL platform utilizes a non-nutritive cell culture process, significantly reducing production costs and eliminating reliance on high doses of IL-2, enhancing product safety and lowering implementation barriers [1] - The NovaGMP platform employs non-viral vector technology for gene-modified TIL products, improving efficacy while avoiding the high costs and complexities associated with viral vectors [1][2] - The RiverTIL platform aims for in vivo direct expansion of TILs, representing a shift from highly personalized to more standardized therapies, potentially lowering production costs and wait times for patients [2] Group 2: Product Development Strategy - The core product GC101 is the first natural TIL therapy that does not require intensive lymphodepleting chemotherapy or IL-2 administration, focusing on establishing new standards for safety and accessibility [2] - The product development strategy includes a tiered approach, with foundational products enhancing accessibility and advanced products like GC203 targeting efficacy improvements for challenging cancers such as pancreatic and ovarian cancer [2][3] - This strategy diversifies research risks and creates a clear pathway for market penetration and value capture, catering to various clinical scenarios and patient payment capabilities [2][3] Group 3: Operational and Commercial Considerations - Junshi Biosciences emphasizes a systematic approach to the entire industry chain, focusing on efficient technological breakthroughs and clinical advancements while maintaining the therapeutic potential of TIL therapy [3] - The innovative "time-segmented production process" allows for the pre-manufacturing and cryopreservation of TIL seed cells from surgically removed tumor tissues, enhancing flexibility and success rates in production [3] - The design of products considers hospital implementation convenience and health economic value, actively reducing reliance on scarce medical resources and shortening hospital stays, facilitating market access and negotiations with insurers [3]

Core Insights - The case highlights the challenges faced by elderly individuals in the digital age, particularly the conflict between rigid institutional processes and the practical difficulties encountered by this demographic [1] - The bank demonstrated a customer-centric approach by implementing an emergency response plan that included home service and prioritizing customer needs [1] Group 1: Case Analysis - The bank's response involved two key actions: dispatching staff to the customer's home for identity verification and facilitating a quick transaction at the branch [1] - The service process was humanized by allowing flexibility within the risk management framework, transforming the customer experience from requiring travel to receiving proactive service [1] - Effective emotional communication was established through the customer service manager's detailed explanation and reassurance, which helped alleviate the customer's anxiety [1] Group 2: Lessons Learned - Establish a "special case handling" emergency service mechanism, ensuring that branches have clear and standardized emergency service processes for frequently encountered issues by elderly customers [2] - Create an "elderly-friendly" service environment by equipping branches with necessary tools and enhancing staff training to foster patience and empathy towards elderly clients [2] - Promote convenient technological tools that cater to elderly customers, such as large print versions of mobile banking and voice assistants, to reduce their need to visit branches [2]

"刘经理，今天的面筋道不？"老板老马总会隔着柜台大声问道。 "马老板的手艺，没得挑！"小刘擦擦额角的汗，憨厚地笑着。 这样的对话重复了上百次，直到有一天，小刘注意到老马还在用那张泛黄的打印二维码，边缘已经磨 损。"马老板，现在用我们银行的收款码，手续费更低，第二天自动到账，还有语音提醒呢。" 老马搓着沾满面粉的手，有些犹豫："我们这些小本生意......" "我帮您申请，不要任何费用。"小刘掏出手机，"您看，这是操作流程，很简单。" 信任，就在这一碗碗热气腾腾的牛肉面中慢慢熬煮、发酵。第二天，老马真的来了银行。小刘手把手教 他使用收款码，耐心解答每个问题。临走时，老马看着大厅的存款利率表驻足："这个定期，比我现在 存的那家高啊？" "这是我们新推出的特色存款，靠档计息，灵活收益。"小刘递上宣传折页，"您要是感兴趣，我可以详 细介绍一下。" 每天中午，当银行大厅的人潮渐散，小刘总会快步走向街角那家兰州拉面馆。玻璃窗内，面团在老板手 中飞舞，如同小刘在柜台点钞般娴熟——两个看似毫无交集的世界，就这样因一碗面产生了奇妙的联 结。 作为北方人，小刘对面食有着与生俱来的眷恋。初来南方工作的那些日子，是这家拉面馆熨帖了他 ...