Core Viewpoint - Taizhou Rural Commercial Bank has achieved steady growth in key indicators and significant breakthroughs in key tasks this year through a focus on "scale expansion, structural optimization, and quality improvement" across three dimensions: business scale expansion, risk control enhancement, and service innovation upgrade [1] Business Scale Expansion - The bank has achieved coordinated expansion across three fronts, with a focus on small and micro enterprises and the real economy, resulting in increased loan balances and growth rates in key areas, exceeding regulatory targets for inclusive loans [1] - For large enterprises, the bank offers flexible credit limits, preferential interest rates, and supply chain financial services, while simplifying credit loan approval processes for small and medium enterprises, enhancing customer loyalty significantly [1] - The bank has seen growth in low-cost funding retention on the liability side, with increases in corporate settlement account openings, effective payroll enterprises, and payroll amounts, alongside a steady rise in monthly active users for personal and corporate wallets [1] Risk Control - The bank has established a "three-line defense" for risk control, with a decrease in non-performing loan rates since the beginning of the year and significant achievements in the recovery and disposal of non-performing loans [2] - An innovative online mediation model, "Rongyi Jie," has significantly improved the resolution rate of small non-performing disputes, while a revised responsibility recognition method for non-performing loans has been introduced to stimulate lending enthusiasm among account managers [2] - The efficiency of the full-process risk control has improved, with a nearly 50% reduction in credit approval time under the "three platforms and six posts" model, maintaining a high renewal approval rate for personal clients [2] Service Innovation - The bank has initiated a grid-based service model, leveraging "grid + big data + footwork," resulting in significant increases in the number of new face-to-face clients, archived clients, credit clients, and loan clients in the third quarter [3] - The establishment of specialty branches, such as the government and early tea branches, has progressed smoothly, with the early tea branch collaborating with merchants for promotional activities, creating a "finance + livelihood" service loop [3] - The bank has expanded its convenient service coverage, establishing multiple inclusive financial service demonstration points, achieving good results in agricultural withdrawal and agency payment business volumes and amounts [3]

Core Insights - The 2025 World Internet Conference in Wuzhen, Zhejiang, focused on building an open, cooperative, and secure digital future, emphasizing the concept of a community with a shared future in cyberspace [1][2] - The "Eternal Heritage" project initiated by the Nanjing Da Bao En Temple Ruins Museum was selected as one of the 12 exemplary cases from 315 global submissions, marking Jiangsu's first inclusion in this annual recognition [1][2] Group 1 - The World Internet Conference is recognized as a significant platform for global digital civilization collaboration, having received 315 project submissions from 78 countries and regions this year [2] - The selection criteria for the exemplary cases included the breadth and depth of international cooperation, alignment with the community concept in cyberspace, and global inclusivity [2] - Other awarded projects included Siemens' cybersecurity framework for the global automotive industry and China Mobile's 5G messaging services, showcasing a diverse range of industry representatives [2] Group 2 - The "Eternal Heritage" project has gained support from UNESCO and involved collaboration with 17 global universities and institutions, attracting thousands of young creators from 19 countries [3] - The project utilizes advanced technologies such as VR, AR, AI, and digital twins to revive the "disappeared glazed tower," demonstrating a commitment to the community concept in cyberspace [3] - The Nanjing Da Bao En Temple Ruins Museum has partnered with prestigious institutions to achieve high-precision digital restoration of cultural heritage, enhancing the global visibility of traditional Chinese culture [3]

Core Insights - Blockchain technology is revolutionizing various sectors of the global economy, particularly in finance, due to its characteristics such as decentralization, immutability, anonymity, transparency, support for smart contracts, and efficiency [1] Group 1: Payment and Settlement - In the payment and settlement sector, blockchain enables instant cross-border payments, reduces intermediaries, enhances transaction efficiency, and lowers costs [1] - All transaction records are publicly transparent and immutable, which increases transaction transparency and security [1] - Blockchain lowers financial service barriers, allowing remote or credit-challenged populations to access convenient financial services, thus promoting inclusive finance [1] Group 2: Credit Financing - In credit financing, blockchain can store and share historical transaction records of enterprises or individuals, providing credit institutions with comprehensive and accurate credit assessment data [1] - Smart contracts can automate the execution of financing terms, reducing manual reviews and paper document circulation, thereby simplifying the financing process [1] - The removal of certain intermediary roles leads to lower financing costs [1] Group 3: Asset Management - Blockchain facilitates the digitization and fragmentation of assets, allowing for rapid trading and transfer of assets, which enhances liquidity [1] - Through encryption and distributed storage, blockchain ensures that asset data is not tampered with or lost, thereby increasing asset security [1] - Smart contracts can automatically execute the issuance, trading, and clearing of securities, reducing operational risks and costs, and promoting asset securitization [1] Group 4: Challenges and Development - Blockchain faces significant challenges in the financial sector, including performance bottlenecks, scalability issues, and a lack of unified technical standards and interoperability among different blockchain platforms [2] - Regulatory challenges exist due to insufficient legal frameworks, unclear legal status of digital assets, and inadequate regulatory responsibilities [2] - There is a need to enhance market awareness and acceptance of blockchain technology [2] Group 5: Future Directions - To promote healthy development, blockchain should integrate deeply with existing information technologies to create a more efficient and intelligent technical system for financial services [2] - Increasing the adoption and acceptance of central bank digital currencies (CBDCs) is essential, as several countries are already exploring their issuance and application [2] - Continuous improvement of regulatory policies and implementation standards is necessary, with financial institutions needing to keep pace with policy changes to adapt to the evolving financial landscape [2]

Group 1 - The global economic slowdown and increased market volatility are driving investors to seek professional asset management solutions, leading to a significant rise in the demand for FOF (Fund of Funds) products in the public fund sector [1] - As of the end of Q3 this year, the number of public FOF products in China reached 518, with a total scale exceeding 193.49 billion, marking a 16.8% increase from the end of Q2 [1] - Nearly 99% of FOF products achieved positive returns in the past three quarters, demonstrating strong risk resistance and stable return characteristics in a volatile market [1] Group 2 - The successful operation of FOF products relies on a specialized and multidisciplinary research team that collaborates effectively across various fields such as macro analysis, quantitative analysis, risk identification, and comprehensive process control [2] - Minsheng Jianyin Fund has established a diverse and experienced FOF research team, supported by a scientific risk management system and a global asset allocation framework [2] - The upcoming Minsheng Jianyin Multi-Asset Stable Allocation 3-Month Holding Period Mixed FOF is set to be managed by Liu Xin and fund manager Kong Siwei, implementing a "localized all-weather" strategy to dynamically optimize asset allocation [2]

Core Insights - The opening of the Suqian Agricultural Wholesale Market in China signifies a robust foundation for the region's food supply and price stability [1] - Zhangjiagang Rural Commercial Bank's Suyu Branch celebrates its 16th anniversary by integrating business marketing with customer engagement, focusing on tailored financial solutions for merchants [1] Group 1: Market Development - The Suqian Agricultural Wholesale Market features numerous stalls and heavy traffic, indicating a thriving environment for agricultural trade [1] - The market aims to support the region's "vegetable basket" and "rice bag" initiatives, ensuring stable supply and pricing for essential goods [1] Group 2: Financial Services Initiative - The Suyu Branch has deployed over 30 customer managers in five service teams to engage directly with merchants and buyers at the market [1] - The bank is providing promotional materials that explain agricultural credit policies and settlement discounts, enhancing financial literacy among market participants [1] - The initiative includes distributing essential goods like rice and flour to merchants, fostering closer relationships through a combination of financial services and thoughtful gifts [1] Group 3: Future Plans - The bank plans to continue optimizing financial services for agricultural wholesale market merchants and will conduct regular financial education and policy briefing sessions [1] - The goal is to create a win-win ecosystem between banks and enterprises, contributing to the high-quality development of the regional agricultural product circulation industry [1]

江南时报讯 11月，南通濠东路支行迎来了一位心事重重的客户——她手持公证书，前来办理一笔遗产 继承。这本应是按部就班的业务，却很快显露出棘手的端倪。 尘埃落定，业务顺畅办理。而在整个服务过程中，网点负责人始终保持着敏锐的观察力。他留意到其中 一位继承人对资金有短期闲置的打算。抓住这个时机，他自然地介绍了工行大额定期存款的优势——安 全、稳定、收益可观。精准的推荐，切中了客户的需求。最终，这位客户欣然将继承所得中的35万元， 成功转存为一张大额定期存单。 一场看似难以调和的遗产风波，在南通濠东路支行专业、主动、温暖的介入下，不仅圆满解决，更意外 促成了一笔35万元的大额定期业务，实现了客户满意与银行效益的双赢。 客服经理仔细审核了公证书，依照规定告知客户："女士，遗产继承需要所有继承人共同到场确认。"然 而，客户面露难色道出了实情：另一位关键继承人不仅拒接她的电话，甚至已悄然离开了常住地，彻底 杳无音信。一场看似寻常的继承，瞬间蒙上了失联与拒绝的阴影。 面对这复杂的僵局，客服经理没有丝毫犹豫，第一时间将情况汇报给了网点负责人。负责人敏锐意识到 问题的特殊性——僵持下去不仅客户权益受损，更可能激化家庭矛盾。网点迅 ...

Core Points - The article highlights a situation where a customer at a bank urgently needed to access funds for a family member's surgery, showcasing the bank's responsive customer service and problem-solving approach [1][2][3] Group 1: Customer Service - The bank staff quickly recognized the customer's distress and provided immediate assistance, demonstrating a high level of empathy and professionalism [1] - The customer service representative suggested a partial withdrawal strategy to minimize interest loss while addressing the customer's urgent financial need [2] - The interaction emphasized the importance of combining efficiency with a caring approach in customer service, which not only resolved the immediate issue but also reassured the customer [3] Group 2: Financial Products - The customer held a three-year fixed-term deposit, which would incur a loss if withdrawn early, highlighting the need for customers to understand the implications of their financial products [2] - The bank's ability to facilitate a partial withdrawal while maintaining the remaining funds at the original interest rate reflects a flexible approach to financial services [2][3]

Core Insights - The initiative by the bank's service team aims to provide convenient financial services directly at the workplace, addressing the needs of employees and management in a busy enterprise [1][2] - The bank emphasizes its commitment to customer-centric service by extending its service window to the enterprise, thereby reducing the burden on clients [2] Group 1: Service Implementation - The service team successfully facilitated on-site bank card applications for employees and efficiently installed the "Salary Manager" system for the target enterprise [2] - Employees expressed satisfaction with the convenience of having banking services brought directly to their workplace, highlighting the positive impact on their work-life balance [1] Group 2: Customer-Centric Approach - The bank's actions reflect its core service philosophy of being customer-focused, aiming to provide timely and effective financial support to enterprises [2] - The initiative is seen as a practical application of the "service for the people" concept, demonstrating the importance of proactive engagement with clients [2]

Core Insights - The article highlights a successful intervention by a bank branch in preventing a potential fraud case, showcasing the importance of proactive risk management in banking [1][2][3] Group 1: Incident Overview - A customer attempted to withdraw a 100,000 yuan time deposit prematurely, raising suspicions among bank staff due to the unusual request [1] - The customer was being pressured by fraudsters who claimed to be from a financial institution, promoting a high-return, low-risk investment product [1][2] Group 2: Response Actions - Bank staff quickly activated an emergency response plan, involving the branch manager and lobby manager to collaboratively address the situation [2] - Staff reviewed the customer's communication with the fraudsters, confirming the risk and educating the customer about the nature of the scam [2] Group 3: Outcome and Future Actions - The customer recognized the scam after thorough guidance from bank staff and decided against transferring her funds [2] - The bank plans to enhance anti-fraud education and integrate fraud prevention knowledge into daily customer service practices to protect client assets [3]

江南时报讯 作为每天直面企业客户的对公柜员，过去我们常被对公开户、变更、销户等复杂业务"缠 住"，60%的时间在核对纸质材料、手工录入信息，遇到材料不全的客户，还要反复解释补正要求，既 让客户跑多趟，自己也陷入"高强度、低效率"的循环，"多次跑、耗时长、材料繁"是企业客户与柜面人 员共同面临的"堵点"。自我行推行对公业务远程柜台模式后，我们从"业务办理者"转型为"远程引导 者"，用具体行动推动远程业务办理率，不仅为自己减负，更让客户体验大幅提升。 先破"顾虑关"，用专业打消客户对远程办理的担忧。起初，很多企业客户对远程办理存疑，常说"我都 到柜面上了，就不能直接帮我办理吗？还要预约远程，搞得麻烦了。"这时候，我们不能只简单推荐， 而是要站在客户角度解疑答惑。告诉客户远程办理业务业务是未来银行业的大趋势，企业网上银行提 供"预约取号办理"服务，企业线上预约后，远程团队及时响应，办理进度实时推送至客户手机，解 决"等待无预期"问题。一来节省了客户到店等候的时间，二来也为柜面上办理人员减轻了负担，一举多 得。 如今，我们对公柜员逐渐不用再被大量重复性录入工作占据时间。有更多精力和客户聊"企业最近资金 周转情况""有 ...