一直以来，紫金农商银行在ESG体系框架下，以公司治理为核心，加强顶层设计，不断建立和完善内部 ESG组织架构和相关制度体系，更精准地回应利益相关方在环境、社会和公司治理方面的各种关切。同 时，秉持"同分享·共成长"的发展理念，坚持"服务三农、服务中小、服务城乡"的市场定位，依托自身 的区位、网点、客户等资源优势，服务实体经济，助力普惠金融，夯实风险防控，落实人本要求，推行 绿色运营管理，全面推进经济、社会和环境的协调发展。 近日，在南京新华报业传媒集团主办的第五届江苏资本市场峰会上，紫金农商银行凭借在环境、社会和 治理（ESG）方面的卓越表现荣获"ESG金茉莉奖"，这也是该行连续四年获此殊荣。 "ESG金茉莉奖"旨在表彰上市公司在ESG治理理念、发展战略、基本架构、核心指标、运作框架、风险 框架、实质性分析框架、沟通机制等方面的突出表现，根据大数据监测分析，经江苏资本市场峰会组委 会遴选并认定。 此次获奖，是对紫金农商银行ESG工作的充分肯定。今后，该行将继续秉承可持续发展战略，积极履行 社会责任，不断增强ESG治理成效，为经济社会高质量发展贡献紫金力量。吴亭 ...

近期，南通农商银行通过伴访督导、业务攻坚、渠道搭建与科技金融创新等多维度举措，将金融服务延 伸至小微企业、农村客户和科技型企业。11月单月，该行贷款单户授信1000万元及以下贷款展业新进件 1065户，金额达5.91亿元，展现了其深耕本土、服务实体的成效。 精准督导，夯实业务发展根基。该行着力做实做细伴访督导，返检前期整村授信、重点客群营销等工作 推进情况，对落后支行开展重点督进，覆盖晨会列席、走访陪同、业绩盘点等多个维度，有力提升营销 转化质效。聚焦重点业务攻坚，召开省农担业务专项督进会，明确必保任务与奖惩政策。同时发布整村 授信旺季营销活动方案，围绕"一十百千"目标，把握年底外地经商客户集中返乡契机，拓展优质资源， 提升业务覆盖面。此外，深入开展川姜区域信贷营销专项行动，探索建立负面清单与小额贷款快速授信 机制，形成部门协同合力。截至11月，累计走访2428户，成功挖掘意向客户170户，新增贷款96户共计 1.39亿元。 多维联动，构建开放合作生态。一方面，该行在与通州区农业农村局成功签订战略合作协议的基础上， 进一步围绕金融顾问服务农民专业合作社的具体方案进行宣导，深化与通州区政府及各乡镇的合作层 次。 ...

Core Insights - The integration of digital technology has transformed traditional festivals like the Winter Solstice into engaging and creative experiences for the younger generation, moving beyond mere culinary traditions to interactive cultural celebrations [1][2] - Young people are utilizing technology to reinterpret and express traditional customs, leading to innovative practices that resonate with contemporary lifestyles [1][2] Group 1: Digital Transformation of Festivals - Digital technologies such as VR and AI are enhancing the immersive experience of traditional festivals, allowing participants to engage with cultural practices in novel ways [1][2] - The use of social media platforms for sharing creative content related to festivals has increased participation and interest among younger audiences [1] Group 2: Cultural Transmission and Innovation - New technologies provide broader channels for cultural dissemination, enabling young people to learn and practice traditional skills like making dumplings and rice balls through short videos [2] - The emergence of themed products and creative topics initiated by businesses and platforms has expanded the cultural celebration from private family settings to public spaces, fostering a collective cultural enthusiasm [2] Group 3: Balancing Tradition and Modernity - While embracing innovation, it is crucial to maintain the core essence of traditional festivals to avoid superficial celebrations that lack cultural depth [2] - The future of cultural transmission relies on the continuous integration of tradition and innovation, ensuring that traditional festivals remain vibrant and relevant across generations [2]

Core Viewpoint - The launch of the "China Lang Partner Plan" marks a strategic initiative by Langjiu to strengthen its brand and channel network in Jiangsu, aiming for a long-term partnership with distributors and channel partners [1][2][4] Group 1: Strategic Initiatives - The "China Lang Partner Plan" is a nationwide brand strategy, with Jiangsu as the first implementation site [1] - Langjiu aims to solidify its market presence in Jiangsu through a "three-year saturation attack" strategy [2][6] - The company emphasizes a shift from a transactional relationship to a value partnership with distributors, fostering a shared destiny [4][9] Group 2: Commitments and Support - Langjiu has made four key commitments to its partners, including enhanced service support, resource allocation, profit assurance, and a focus on long-term relationships [3][4] - The company plans to implement a 1-5 star grading system for channel partners, providing lifecycle services [3] - Langjiu will concentrate resources on high-star partners, ensuring they receive adequate support and profitability [3][4] Group 3: Market Dynamics - Jiangsu is identified as a strategic development market due to its historical significance and high consumption potential in the liquor industry [7][8] - Langjiu has over 60,000 existing channel networks in Jiangsu, which will be enhanced through the new plan [5][7] - The company has previously achieved significant sales in Jiangsu, indicating a strong foundation for its renewed efforts [7] Group 4: Brand Engagement - Langjiu is leveraging high-profile brand events, such as the "Chinese New Year Gala," to reconnect with consumers and enhance brand visibility [6][8] - The "China Lang Night" events are set to take place in Jiangsu, further promoting brand engagement and consumer connection [6][8] - The focus on quality, brand, and taste is integral to Langjiu's strategy, ensuring a cohesive approach from production to market [8] Group 5: Future Outlook - The success of the Jiangsu strategy will serve as a model for Langjiu's expansion into other key markets across the country [9] - The current industry adjustment period presents an opportunity for Langjiu to reshape its market position and drive growth [9]

Core Viewpoint - Ningxia Xiajin Dairy launched two new products aimed at the East China market, marking a significant step in its cross-regional development strategy [1][16]. Group 1: Product Launch and Market Strategy - The launch event introduced two family-sized products: organic pure milk and A2β-casein pure milk, targeting quality-conscious families aged 28-45 [5][10]. - The company emphasizes the nutritional value and safety of its products, with organic milk featuring traceability and high protein content, while A2β-casein milk is designed for better digestion [8][10]. - Both products are priced at 9.9 yuan for 1kg, positioned as high-value options within the family consumption segment [10]. Group 2: Cultural Integration and Brand Experience - The event showcased a blend of Ningxia culture and East China heritage, featuring performances that highlighted the brand's journey from Ningxia to Jiangnan [13][14]. - Interactive experiences were designed to engage consumers, allowing them to understand the brand and product values through hands-on activities [14]. Group 3: Future Outlook - The launch signifies Xiajin Dairy's commitment to expanding its presence in East China, aiming to become a staple in more households as a trusted source of nutrition [16]. - The company plans to leverage its high-quality milk sources and the support of New Hope Dairy to enhance its market position and brand recognition [16].

这一现象背后,是储蓄类产品市场的显著调整。据融360大数据研究院监测数据,2025年Q4以来,六大行及 12家股份制银行中80%已停售5年期大额存单。剩余在售的中小银行5年期大额存单,不仅将起存门槛提 升至50万元,利率较去年还下降了0.3—0.5个百分点。不仅是大额存单遇冷,普通储蓄类产品也同样面临利 益下行的压力。"产品难寻、利益缩水"的困境正让越来越多稳健型投资者萌生转换赛道的想法。 伴随产品端的变化,稳健型投资者的理财偏好也呈现三大显著转变,一是在利率下行周期下,从盲目追逐高 利益转向优先考量利益确定性,"合同锁定利益"成为规避利率波动风险的核心决策依据;二是需求从单一 的资金增值向"理财+保障+灵活性"多维升级,投资者既希望实现财富稳健增长,也重视风险保障的附加价 值,同时要求资金在紧急情况下具备可调配性;三是渠道选择从依赖单一渠道,逐渐转向接受银行、保险等 多元化稳健理财工具,在市场长期高息产品收缩的背景下,优质保险理财成为资金溢出后的重要承接选 项。这一系列变化,本质上是市场供需双向适配的结果,也推动稳健理财市场向更成熟、更多元的方向发 展。 专家分析指出,利率下行期,"确定性+灵活性+低门槛" ...

Core Insights - The ninth HVAC, heat pump, cold chain, and home appliance industry channel merchant ecological conference will be held in Shaoxing, Zhejiang from December 10 to 12, 2025, themed "Transition. Growth 2025" [1] - The conference serves as an authoritative window for industry insights, gathering elite forces from the entire industry chain to discuss transformation and high-quality development paths [3] Company Achievements - Tianjing Water received the "2025 Annual Home Appliance Industry Excellent Contribution Award" for its outstanding contributions in technological innovation and industrial collaboration [5] - The upcoming TZ-RO-1000 smart water purifier won the "2025 Annual Home Appliance Industry Technology Residential Good House Technology Product Demonstration Award," marking authoritative recognition of its technological strength [10] Market Positioning - In a market environment characterized by consumption upgrades and rational returns, Tianjing Water innovatively proposed the core concept of "quality-price ratio," breaking the price barriers of high-end water purification products [13] - The company combines internationally renowned brands and original imported core components with the advantages of large-scale manufacturing from its four production bases, achieving a dual breakthrough of "high-end configuration and affordable prices" [13] Competitive Advantage - As a "high-end whole-house water purification customization expert," Tianjing Water has established a comprehensive quality control system from research and development to production and testing, ensuring that every product meets international quality standards [16] - The company has built a national service network with over 500 dealerships, serving more than 1 million households, and has accumulated a good reputation through stable product quality and attentive service [19] Future Outlook - Tianjing Water aims to continue deepening its development strategy focused on technological innovation, addressing industry pain points through innovative technologies, and promoting high-quality development in the water purification industry [21] - The company is committed to leading high-quality industry development, continuously writing a new chapter in China's water purification industry while ensuring healthy water for millions of families [23]

Core Viewpoint - Postal Savings Bank of China Suqian Branch is actively enhancing public awareness of anti-fraud and anti-money laundering measures through a comprehensive promotional campaign aimed at maintaining financial order stability [1][2] Group 1: Promotional Activities - The bank has organized a special campaign focusing on anti-telecom network fraud and anti-money laundering, utilizing various promotional measures to strengthen financial security [1] - In-branch promotional efforts include the use of televisions, posters, and banners to disseminate information about common fraud types, money laundering methods, and payment security knowledge [1] - A consultation desk has been established where professional staff provide answers to customer inquiries and explain the core content of the new Anti-Money Laundering Law [1] Group 2: Media Outreach - The bank is expanding its outreach through WeChat, official websites, and SMS platforms to regularly share policy interpretations, case analyses, and fraud prevention tips [1] - Employees are encouraged to share this information in social media groups to raise public awareness and ensure comprehensive coverage of anti-fraud and anti-money laundering knowledge [1] Group 3: Employee Training and Community Engagement - The bank is conducting multi-level training for employees to enhance their skills in identifying fraud and money laundering behaviors, thereby improving their professional service capabilities [2] - Employees are also actively promoting anti-fraud and anti-money laundering knowledge during customer interactions, emphasizing the societal dangers of participating in money laundering activities [2] - The promotional team is engaging with various community groups, including schools and businesses, through the distribution of informational materials and on-site explanations to ensure widespread financial safety knowledge [2] Group 4: Future Plans - The bank plans to continue reinforcing the effectiveness of its promotional efforts by innovating and diversifying its outreach methods, aiming for regular financial safety campaigns [2] - The ultimate goal is to protect public assets and contribute to maintaining financial order and a secure financial environment [2]

Core Viewpoint - The strategic cooperation agreement between the Shuyang County Transportation Bureau and Postal Savings Bank aims to enhance practical collaboration and support the high-quality economic and social development of Shuyang [1] Group 1: Strategic Cooperation - The signing of the agreement marks an important step in deepening cooperation between the two parties, focusing on serving the local economy [1] - The Postal Savings Bank emphasizes the role of transportation as a vital artery for economic development and a bridge for improving people's livelihoods [1] Group 2: Financial Services and Infrastructure - The cooperation will leverage significant infrastructure projects, rural road upgrades, and smart transportation construction to provide a broad market for financial services [1] - The Postal Savings Bank plans to actively engage and provide financial support to every aspect of the transportation sector in Shuyang [1] Group 3: Implementation and Future Plans - The Shuyang County Transportation Bureau will establish a regular working mechanism to facilitate ongoing collaboration [1] - The focus will be on integrating port, shipping, and transportation industries, recommending quality projects, and developing financing service plans aligned with the "14th Five-Year Plan" [1]

Core Viewpoint - The Postal Savings Bank of China is actively responding to the national call to combat telecom network fraud by enhancing public financial security awareness and risk identification capabilities through a comprehensive anti-fraud publicity campaign [1][2] Group 1: Campaign Objectives - The campaign aims to shift the focus from "post-event interception" to "pre-event prevention" by building a financial safety "firewall" in collaboration with customers and the public [1] - The initiative includes a multi-channel and multi-form approach to education, ensuring full coverage of the community [1] Group 2: Targeted Outreach - The campaign specifically targets high-risk groups, implementing tiered and precise publicity strategies [2] - For elderly clients, the focus is on principles of "do not trust, do not disclose, do not transfer," along with safe mobile banking practices [2] - For corporate finance personnel, specialized training is provided to prevent scams involving impersonation and forged payment instructions [2] - For students, the campaign promotes rational consumption and warns against the legal risks of lending personal banking information [2] Group 3: Future Commitment - The bank plans to continue fulfilling its social responsibility by promoting regular anti-fraud education and expanding the "Five In" outreach activities [2] - There is a commitment to innovate educational models to institutionalize anti-fraud publicity, thereby contributing to the stability of the financial order and protecting public property [2]