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 ...

Core Insights - The collaboration between China Everbright Bank and automotive dealers has significantly improved financing availability, allowing for timely vehicle orders and enhancing sales growth [1][2] - China Everbright Bank has established a comprehensive financial service system covering the entire automotive supply chain, recognized as a leading brand in automotive supply chain finance [1] - The bank has provided over 2 trillion yuan in financing, supporting over 100 automotive enterprises and more than 20,000 dealers, thereby enhancing the resilience and efficiency of the automotive industry [1] Financial Services - The "All-in-One" platform offers a range of financial services, including dealer inventory financing and working capital loans, with a total credit limit exceeding 14 billion yuan for a domestic brand's transition to new energy [2] - The introduction of credit card installment payment products has helped automotive companies expand their market channels and improve sales conversion rates [2] Technological Integration - China Everbright Bank is accelerating the application of advanced technologies such as artificial intelligence, big data, and cloud computing in automotive finance, enhancing the digital integration and risk management capabilities of the "All-in-One" platform [2] - The bank aims to continue optimizing financial resource allocation and strengthen the foundation of automotive supply chain financial services to support the quality and efficiency of Chinese automotive manufacturing [2]

Core Viewpoint - The event organized by China Everbright Bank in collaboration with various financial institutions aims to enhance the integration of technology and finance, supporting the development of innovative enterprises in the Greater Bay Area [1][2] Group 1: Event Overview - The event titled "Walking into the Shenzhen Stock Exchange: Everbright Accompanies You" gathered representatives from the Shenzhen Stock Exchange, Everbright Group, Everbright Bank, securities firms, private equity funds, and several high-quality technology enterprises from the Greater Bay Area [1] - The focus was on exploring innovative paths in technology finance to assist technology enterprises in connecting with capital markets and promoting new productive forces [1] Group 2: Strategic Initiatives - Everbright Bank's Secretary of the Board, Zhang Xuyang, emphasized that technology finance is a crucial engine for promoting high-level technological self-reliance and strength [1] - The bank introduced a comprehensive financial service model combining commercial banking, investment banking, and private banking to provide full lifecycle financial support for technology enterprises [1] Group 3: Interactive Sessions - The event featured dedicated sessions for enterprise roadshows, where representatives from Greater Bay Area technology enterprises showcased their technological advantages, innovative achievements, and growth potential [2] - Financial institutions expressed strong interest in the technical details and business models of the enterprises, offering professional advice from perspectives of capital operation and market prospects [2] Group 4: Future Outlook - The successful hosting of the event marks a significant step in Everbright Bank's strategic layout in the technology finance sector [2] - The bank plans to continue leveraging its advantages in financial ecological collaboration, expanding its network, and promoting the deep integration of technological and financial innovation to contribute more significantly to the development of new productive forces in the Greater Bay Area [2]

"去年捕了12万斤带鱼，希望今年再创奇迹！"如今，杨健的渔船整装待发。夕阳下，协兴港波光潋滟， 寅阳支行的服务灯光与渔船导航灯交相辉映，映照出金融与渔业深度融合的生动画面。 清晨的协兴港，开捕笛声响起。渔民杨健站在新置办的渔船上，满怀期待："多亏寅阳支行的'船易 贷'，从申请到放款只用了一周，180万元贷款及时到位，出海前的资金缺口顺利补上了！" 杨健融资难题的快速解决，得益于启东农商银行最新修订的"船易贷"管理办法。该产品精准对接渔民在 船舶购置、渔网添置、燃油采购等方面的资金需求。寅阳支行客户经理在走访中了解到杨健购船后的支 出压力，迅速上门对接，以渔船抵押为核心定制方案，高效完成审批放款，真正实现"服务送到码头、 资金赶在开捕"。 作为扎根协兴港的金融机构，寅阳支行充分发挥地理优势，成为渔民"家门口的金融管家"。支行员工熟 悉港区作业规律与渔民需求，在提供信贷支持的同时，常态化开展反假币、防诈骗等金融知识宣讲，指 导渔民使用手机银行，并为老年渔民开设"农保缴纳绿色通道"，让金融服务更"接地气、惠民生"。 这光影里的故事，是启东农商银行坚守"渔民渔网撒向哪里，金融服务就跟到哪里"承诺的见证。未来， 该行将 ...

Core Insights - The article highlights the successful implementation of a payment clearing system by Hengchao Energy Technology Co., Ltd. in collaboration with Industrial Bank's Changzhou branch, which allows for efficient processing of accounts payable through the "Changlian Platform" [1] Group 1: Financial Innovations - The clearing system optimized by Industrial Bank utilizes a SaaS direct connection model, enhancing the efficiency of fund settlement services while minimizing manual operation risks [1] - On December 31, 2025, the bank completed 10 clearing transactions totaling 14.253 million yuan, showcasing the effectiveness of the new system [1] Group 2: Strategic Partnerships - This initiative marks the first collaboration between Industrial Bank and a third-party supply chain digital platform, specifically the Changzhou Supply Chain Public Service Platform [1] - Since August 2024, Industrial Bank has been actively supporting the development of the local economy by becoming the first bank to integrate with the Changzhou Supply Chain Public Service Platform, facilitating financing for local enterprises [1] Group 3: Performance Metrics - The Changlian Platform has established connections with 15 banks, issuing a total of 1.3 billion yuan in "Changlian One Party Digital Debt Certificates" and providing financing of 1 billion yuan [1] - Industrial Bank's Changzhou branch has issued 663 million yuan in financing and recommended 27 core enterprises to join the platform, leading the industry in performance metrics [1]

国家发改委等部门发布2026年"两新"政策，支持个人消费者的汽车报废更新和汽车置换更新提供补贴，购买新能源乘用车补贴车价的12%，高于燃油车的补 贴。 近期，金固股份关注度暴涨，主要是金固股份的投资逻辑在逐渐得到市场的认可，金固股份从传统的汽车零部件公司向新材料平台型公司转型，从企业利润 增长来看，公司转型初见成效。金固股份2025年前三季度的营业收入30.86亿元，同比增长6.9%，归母净利润0.42亿元，同比增长29.77%，而且毛利率稳中 有升，说明公司的产品结构有更优的升级。 金固股份的新产品阿凡达铌微合金低碳车轮，相比传统的车轮，具有高强度、轻量化、低成本、降碳等优点，阿凡达车轮已经得到了国内外的新能源汽车龙 头企业的认可，2026年有望加速放量，增厚企业利润。 阿凡达铌微合金的材料性能已经延伸到其他应用场景，能够替换铝合金、钛合金、钢材等材料，阿凡达铌微合金的成本远低于铝合金，铝价目前2.2万元/ 吨，阿凡达材料基材是钢加入铌等合金，价格参考最近钢价3300元/吨左右，在美联储降息周期内，有色金属价格持续涨价，铝价上涨会使阿凡达铌微合金 的性价比更有吸引力。 该政策刺激新车消费，利好汽车行业的发展 ...