Core Viewpoint - The Central Financial Work Conference emphasizes the need for finance to provide high-quality services for economic and social development, particularly by allocating more financial resources to support the growth of small and micro enterprises, thereby enhancing inclusive finance [1] Group 1: Development of Inclusive Finance - Since the establishment of the Inclusive Finance Department in 2018, the balance of inclusive finance loans at CITIC Bank has increased from 130 billion to 530 billion, with the number of borrowers rising from 80,000 to 270,000, while maintaining stable asset quality [1] - CITIC Bank has implemented a management innovation strategy to enhance the political and people-oriented nature of financial work, contributing to alleviating the financing difficulties faced by small and micro enterprises [1] Group 2: Management and Service Enhancement - CITIC Bank has formed a leadership group for inclusive finance, led by the Chairman, to innovate a unique management model that enhances the efficiency and professionalism of inclusive finance services [2] - The bank has established a centralized operational management platform for inclusive finance, focusing on risk management and professional teams to improve service capabilities [2] Group 3: Product Innovation and Development - CITIC Bank has introduced a "duty exemption" approach to encourage product development, establishing a product innovation factory that includes over 20 standardized products [3] - The bank has developed various loan products targeting supply chain finance and key industries, such as "Order e-loan" and "Innovation e-loan," which provide quick online credit loans to small and micro enterprises [3] Group 4: Intelligent Management and Risk Control - CITIC Bank is leveraging digital technologies to create a comprehensive risk control platform that enhances the precision of inclusive finance services [4] - The bank's intelligent risk warning system has achieved over 80% accuracy in risk prediction and over 90% automation in inspections, marking a shift from manual to intelligent risk management [4] - Future plans include further enhancing inclusive finance service capabilities in alignment with national policies and regulatory guidance [4]

当前，银行业数字化转型已进入"深水区"，如何强化"数字经济"发展新理念，摆脱原有"路径依 赖"，加速从"电子化""信息化"跨入"智能化"时代，已成为商业银行乃至金融业的主旋律。近年来，中 信集团将科技创新列入"头号任务"，提出了"打造一流科技驱动银行"的明确要求和期许。响应集团号 召，中信银行北京分行近年来不断加强数据赋能、加深业务科技融合，持续探索推动分行数字化转型工 作。2023年以来，北京分行出政策、搭平台、谋发展，跳出既有模式，打出突破创新组合拳，赋能业务 高质量发展，在数字化转型赛道上跑出科技引领"加速度"。 立目标 定指标 建机制 推动数字化转型 根据中信银行"以客户体验为中心、以客户旅程重塑为手段、打造智慧、生态、有温度的数字中 信"的数字化转型战略目标，北京分行做好数字化转型的"顶层设计"，在分行党委的领导及统一部署 下，成立了一把手挂帅的"数字化转型委员会及办公室"（以下简称"数转委"），提出了"以提升产能为 目标，以业务为主体、组织全面参与，数据和技术双轮驱动"的数字化转型工作思路,从目标管理、能力 评估、创新激励三方面落实完善分行数字化转型工作推进机制。 立目标，重点任务落地见成效。北京 ...

Core Viewpoint - The event organized by CITIC Bank's Beijing branch aims to strengthen cooperation with private enterprises and support their development through tailored financial services [1][3]. Group 1: Event Overview - The ninth "Hand in Hand New Journey, Create a New Future" forum was held, attended by representatives from the Beijing Municipal United Front Work Department and various innovative private enterprises [1]. - The event included a signing ceremony for strategic cooperation agreements between CITIC Bank and the participating enterprises [4]. Group 2: Statements from CITIC Bank - CITIC Bank's management emphasized their commitment to serving the real economy and supporting private enterprises, highlighting their innovative capabilities and resource integration [3]. - The bank aims to provide comprehensive services beyond traditional banking, leveraging group resources to assist private enterprises in their growth [3][5]. Group 3: Collaboration with Private Enterprises - The event featured presentations from seven invited private enterprises discussing their operational needs and expressing interest in collaboration with CITIC Bank [4]. - CITIC Bank's Beijing branch plans to continue hosting specialized events for private enterprises, focusing on tailored solutions for their development needs [3][5].

Core Viewpoint - The Central Financial Work Conference emphasizes the importance of finance as the lifeblood of the national economy and a key component of national competitiveness, advocating for the acceleration of building a strong financial nation and enhancing inclusive finance as a national strategy [1][2]. Group 1: Inclusive Finance Development - Over the past decade, inclusive finance has made significant progress, with the balance of loans to small and micro enterprises reaching 69.2 trillion yuan by the end of Q3 2023, more than quadrupling in ten years [2]. - The balance of inclusive loans for small and micro enterprises stands at 28.74 trillion yuan, with an average annual growth rate of approximately 25% over the past five years [2]. - As of the end of 2022, small and micro enterprises and individual businesses accounted for over 90% of the 1.69 billion market entities in the country, highlighting the need for further development in inclusive finance [2]. Group 2: Digital Transformation in Wealth Management - CITIC Bank is leveraging digital transformation to enhance its inclusive wealth management services, focusing on deepening service quality and broadening service reach [1][3]. - The launch of the CITIC Bank App 10.0 in December 2023 aims to provide a more personalized wealth management experience, adhering to the brand philosophy of "making wealth warm" [1][3]. - The app introduces a "warm asset-liability statement" and a "three-part four-step" method for financial planning, catering to different life stages from 18 to over 60 years old [3]. Group 3: AI and Technology Integration - CITIC Bank is adopting an "AI + Finance" approach to broaden the scope of inclusive financial services, with the introduction of a digital wealth advisor powered by AI technology [4]. - The digital advisor utilizes a research-driven approach to provide intelligent advisory services, enhancing customer engagement through personalized interactions [4]. - The app also features a new borrowing channel, integrating various consumer credit products to offer differentiated personal credit services [5]. Group 4: Offline and Online Integration - CITIC Bank is actively engaging in offline initiatives to complement its online services, focusing on areas such as pension finance and inclusive finance [6]. - The "CITIC Wealth Festival" launched in November 2023 aims to connect experts and customers, providing insights into wealth management and financial planning through various reports and interactive sessions [6]. - Since the launch of its first app version in 2009, CITIC Bank has continuously upgraded its services, achieving over 15.89 million monthly active users by mid-2023, reflecting a 22% year-on-year growth [6].

Core Viewpoint - The company is enhancing payment services for foreign personnel in China and the elderly population by implementing a comprehensive strategy that includes optimizing payment systems and providing personalized financial services [1][5]. Group 1: Payment Services for Foreign Personnel - The company has established a special task force to improve payment services, focusing on eight key areas and implementing 24 specific measures [1]. - To address the challenges faced by foreign personnel, such as cash payment difficulties and limited merchant support for card payments, the company is expanding its payment product offerings and improving cash and foreign currency exchange services [2][4]. - The company has nearly 1,200 branches qualified for foreign exchange services, facilitating currency exchange for foreign personnel and enhancing visibility of exchange services [4]. Group 2: Services for the Elderly - The company aims to bridge the digital divide for the elderly by providing diverse "age-friendly" services, having served over 20 million elderly clients with assets under management of approximately 2 trillion yuan [5]. - The company has initiated the renovation of branches to be more accessible for elderly customers, implementing standards for facilities such as ramps and cash counters [5]. - The company has launched an elderly-friendly version of its mobile banking app and a dedicated customer service line, enhancing the digital experience for older clients [7]. Group 3: Financial Education and Risk Prevention - The company is actively conducting financial education campaigns to improve digital risk awareness among elderly clients, utilizing its proprietary risk control system to prevent fraud [8]. - The company has organized various financial education activities under the "One Hundred Thousand Project," targeting schools, rural areas, and communities to raise awareness about financial safety [8].

Group 1 - The meeting between Daxing District and CITIC Bank Beijing Branch focused on deepening multi-field cooperation to showcase China's modernization [1][2] - Daxing District is implementing the spirit of the 20th National Congress and aims to accelerate the construction of "Six Daxing" [2] - CITIC Bank Beijing Branch has been a key player in providing comprehensive financial services and has maintained a leading position among regional joint-stock banks since its establishment in 1994 [1][3] Group 2 - Daxing District expressed gratitude for CITIC Bank's support in its development and highlighted its geographical advantages and industrial characteristics [2] - CITIC Bank aims to enhance financial innovation and provide a comprehensive suite of services, including international finance, to support Daxing's high-quality development [3] - The collaboration will leverage CITIC Group's resources to attract quality enterprises to invest in Daxing District [2][3]

11月5日，由中信银行主办、视觉中国500px摄影社区协办的2024首届"中信银行杯"摄影大赛正式启 动，诚挚邀请摄影爱好者及大众参加，鼓励大家以光影为媒，在描绘京城绝美天际线的同时，挖掘摄影 所蕴含的城市、自然、人文之美。 【纠错】 【责任编辑:杨萌】 三大主题赛道灵感图 此次摄影大赛以北京第一高楼——中信银行总部大楼为摄影基本元素，共设置了"取景古今·秀出天 际""风云之间·温而有度"和"'我'与你超合拍"三大主题赛道。中信银行总部大楼是北京地标性超高建 筑，其设计理念参考了古代礼器"樽"的外形，并融合了古典美学与现代艺术，被誉为"中国当代十大建 筑"之一，为摄影爱好者们提供了更多的灵感来源和创作空间。为鼓励更多摄影爱好者积极参与，本次 大赛共设一等奖1名、二等奖3名、三等奖10名及人气奖20名，获奖者将被主办方签约为"中信银行特约 摄影师"，并有机会受邀参加"走进中信"活动。 本次摄影大赛征稿期将持续至2024年12月5日。快拿出手中的摄像器材，与中信银行一同捕捉古今 交融的壮丽景象，展现自然与建筑的和谐之美，点燃心中创作的热情，成为这场视觉盛宴的掌镜人，点 燃无尽的灵感火花，勾勒出生活的无限可能。 ...

"科技成果转化"是科技创新与产业结合的源头起点和内生动力，是科技创新的"最后一公里"。近年 来，国家高度重视科技成果转化工作，出台各项政策加速解决科技成果转化和技术转移工作中的难点、 痛点和堵点。 党的二十届三中全会进一步对深化科技体制改革、强化企业科技创新主体地位等进行了全方位的系 统阐述。《中共中央关于进一步全面深化改革 推进中国式现代化的决定》中要求"深化科技成果转化机 制改革，加强国家技术转移体系建设"，提出了"构建同科技创新相适应的科技金融体制，加强对国家重 大科技任务和科技型中小企业的金融支持"的工作要求。 以技术驱动的科技企业具有典型的"J曲线效应"，从概念验证到中试阶段，再到产业化、规模化是 企业发展上升通道的关键转折，也是当前资金支持最为薄弱的环节。中信银行坚定落实党中央决策部 署，将服务链条向"更早、更小、更硬"企业延伸，形成了特色打法。 紧扣国家政策导向 促动科技成果向新质生产力转化 "差异化"：该产品与该行现有的投贷联动、科创e贷形成产品差异化布局，为该行覆盖全生命周期 的科创金融产品服务体系再添一款"大单品"。由于目前同业机构均未在科技成果转化领域出台相应的贷 款产品，因此该产品在调 ...

2024年，在内地银行设立金融科技子公司"减速"之后，境外银行设立金融科技子公司、内地银行在 境外设立金融科技子公司又有兴起之势。 近日，中信银行（国际）有限公司、华侨银行集团均已在深圳设立金融科技子公司，分别为信银数智 （深圳）信息技术有限公司（以下简称"信银数智"）、华侨金信商业服务（深圳）有限公司（以下简 称"华侨金信"）。据记者统计，自2015年兴业银行控股子公司兴业数字金融服务（上海）股份有限公司 开设以来，已有27家境内外银行设立金融科技子公司，包括五大行、多家股份制银行、城商行、农商 行、农信社。 纷纷布局 田利辉分析称，银行设立金融科技子公司是时代发展的必然选择。首先，数字化转型的浪潮下，银行需 要加大对金融科技从技术、人才到研发的全面投入。其次，在传统银行现有的内部格局下，实现科技引 领业务发展较为困难，而成立金融科技子公司可以按照科技公司来管理，减少银行原有管理体系和监管 约束的影响，促进金融科技的发展。此外，通过金融科技子公司，银行能够更加灵活地探索金融科技的 应用，推进自身的数字化转型，并且可以通过这种方式对外进行技术输出，提升数字信息技术的应用水 平。 仍面临挑战 银行金融科技子公司 ...

● 本报记者 连润 今年5月，中国人民银行、中国证监会联合发布关于支持发行科技创新债券有关事宜的公告。公告发布 后，科技创新债市场快速扩容，发行只数、发行规模较去年同期激增，政策落地效果显著。 民企发债规模有所增加 在推进债券市场"科技板"建设过程中，科技创新债从发行主体结构、发行期限、发行利率等方面，呈现 出新的特点。 从发行主体结构看，科技创新债的发行主体虽仍以国有企业为主，但民营企业发行科技创新债的数量与 规模正在逐渐增多。数据显示，在684只科技创新债中，中央企业发行197只、地方国企发行360只、民 营企业发行94只、外资企业发行1只，其他的科技创新债均为公众企业、集体企业等发行。其中，民营 企业科技创新债发行规模为842.40亿元；（下转A02版） （上接A01版）在去年同期，民营企业发行41只科创债（包含科创票据），规模为306.88亿元。 公告发布以来，科技创新债发行量同比激增，政策效应在数据上得以体现。Wind数据显示，截至8月11 日，全市场自5月7日公告发布以来已累计成功发行科技创新债684只，发行规模高达8806亿元。去年同 期，新发科创债（包含科创票据）数量为326只、发行规模为32 ...