Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) is adjusting its management of personal precious metal trading business to enhance investor protection and adapt to market changes, particularly focusing on cleaning up inactive accounts with idle funds [1][4]. Group 1: Account Management Adjustments - ICBC will transfer the balances of margin accounts with no positions, inventory, or debts to the linked settlement accounts starting from December 19, 2025, and will terminate the related business functions [4]. - Customers with existing positions are not affected by this adjustment and are advised to monitor related announcements to manage their positions and mitigate market risks [4][5]. Group 2: Rationale Behind Adjustments - The adjustment aims to clean up long-term inactive accounts that retain idle funds, thereby improving account management efficiency and reducing the risk of funds being forgotten [5]. - The focus is not on penalizing non-compliant customers but rather on standardizing the management of "silent accounts" that have no trading activity but still hold funds [6]. Group 3: Strategic Developments in Precious Metals - ICBC is accelerating its layout in the gold industry infrastructure, having established designated gold warehouses in Sanya and Hezhou, which are expected to enhance operational efficiency for local gold enterprises [6]. - The bank's expansion into the Hong Kong market includes plans to open a gold warehouse at Hong Kong International Airport, aligning with the Hong Kong government's goal to establish an international gold trading market [7].

Core Insights - The article highlights the recognition of Nantong Rudong Branch as a "Sustained Outstanding Contribution Golden Bull Enterprise," reflecting its significant tax contributions and role in local economic development [1][4] - The branch has been actively supporting small and medium-sized enterprises (SMEs) through innovative financial products and optimized credit approval processes, addressing the challenges of financing [2][3] Group 1: Awards and Recognition - The 17th Rudong Coastal Economic Development Zone Cooperation Negotiation Conference awarded the "Golden Bull Award" to 40 outstanding enterprises, with Nantong Rudong Branch being a repeat winner for its contributions exceeding 50 million yuan in annual taxes [1] - The award aims to encourage entrepreneurs to strive for excellence in the innovation and development of the real economy [4] Group 2: Financial Services and Support - Nantong Rudong Branch focuses on serving the real economy by offering tailored financial products like "Inclusive Specialized and New Loans" and "Easy Loans," effectively addressing the financing difficulties faced by enterprises [2] - The branch has successfully disbursed 170 million yuan in microloans and 104.5 million yuan in "Ruyi Insurance," utilizing diverse financial tools to support stable growth for businesses [2] Group 3: Organizational Development and Governance - The branch emphasizes political construction and has conducted numerous theoretical learning sessions to align with the spirit of the 20th National Congress of the Communist Party of China [2] - It has established a comprehensive grassroots structure with 13 branches covering all service points, enhancing its operational effectiveness and governance [2] Group 4: Risk Management and Future Strategy - The branch employs a proactive risk management approach, including the establishment of mechanisms to prevent illegal fundraising and monitor abnormal activities [3] - It aims to contribute to local economic stability and industrial upgrades by continuously engaging in community financial education and providing flexible financial solutions [3][4]

Core Insights - The article highlights the successful implementation of the "工赢智造 百日攻坚" marketing initiative by the International Business Department of ICBC Nantong Branch, which significantly enhanced the market share and foreign exchange competitiveness of the Rugao Branch through targeted marketing strategies and innovative financial solutions [1][2][3] Group 1: Professional Assessment and Demand Identification - The International Business Department guided the Rugao Branch to adopt a tiered marketing strategy, focusing on the specific needs of leading enterprises in the region, particularly addressing the core demands of a key cross-border payment client [1] Group 2: Solution Leadership and Product Innovation - A specialized marketing team was formed to engage directly with the financial executives of enterprises, leading to the development of a comprehensive service solution that integrated various financial products to address the full spectrum of client needs [2] Group 3: Collaborative Execution and Market Efficiency - The International Business Department coordinated resources effectively, utilizing competitive advantages to facilitate large-scale transactions and innovative financing solutions, which significantly reduced financial costs for clients and improved service efficiency [2] Group 4: Comprehensive Benefits and Deepened Cooperation - The marketing initiative resulted in substantial cross-border payments and trade financing, enhancing customer satisfaction and trust, while validating the effectiveness of the collaborative model between specialized departments and branch execution [3] - Future strategies will focus on deepening engagement with leading clients and replicating successful marketing models to support high-quality development in foreign exchange business [3]

开展业务大练兵，提升业务技能。为帮助新员工在适岗阶段快速成长，该行通过师徒签约方式为每一名 新员工配备业务骨干作为导师，实行"一对一"带教方式，指导业务知识与基础技能学习，发挥"传帮 带"作用。为确保培养效果，支行要求导师每周上报所带员工技能练习的时间与进步情况。同时，支行 在9月末组织近两年进行的30余名大学生举办了基础技能大赛，内容包括点钞、汉字录入与翻打传票 等，评选技能优胜选手并进行颁奖，由此进一步激发员工的工作热情与荣誉感，为今后更快地适岗工作 打下坚实基础。 搭建思想沟通的桥梁，增强归属感与使命感。该行第一时间举办新员工座谈会，新员工们介绍个人成长 经历与兴趣特长，畅谈职业理想与未来规划，为支行发展建言献策，支行党总支书记、纪检委员分别介 绍工行的发展历程、企业文化、市场地位、经营战略、合规制度等概况，并对新员工提出殷切期望：做 好职业规划、持续加强学习、提升业务技能、注重团队精神、坚守廉洁合规底线、树立正确的人生观价 值观。良好的交流增强了新员工的信心与归属感，为迅速融入工行大家庭创造了良好的思想氛围。 开展廉洁合规制度培训，筑牢思想根基。9月初，为帮助新员工牢固树立廉洁合规意识与正确的人生观 ...

下一步，工行南通海安支行将聚焦普法宣传的精准性与实效性，着力提升全民金融素养与风险防范能 力，为构建和谐金融生态贡献力量。 拓展周边，延伸普法宣传触角。在持续巩固网点宣传主阵地的基础上，该行积极组织业务骨干，主动走 出去，深入周边商圈、社区与主要街道，开展"面对面、零距离"的普法宣讲。通过设置临时咨询点、发 放宣传折页、现场答疑解惑等多种形式，将反诈骗、防非法集资、消费者权益保护等实用金融法律知 识，精准送达商户经营者与普通市民身边，有效拓宽了宣传覆盖面，增强了普法工作的针对性与实效 性。 以案为鉴，筑牢风险防范意识。活动期间，一位老年客户到网点咨询大额转账业务，工作人员询问汇款 用途时，客户称是用于购买一款"神药"，并介绍这款药疗效惊人，号称能让中风瘫痪的患者"药到病 除"，大堂经理结合近期普法内容，敏锐察觉其可能正遭遇集资诈骗，随即耐心向其讲解相关法律知识 与类似案例，成功劝阻了客户转账，避免了其财产损失。该案例生动体现了该行普法宣传在保护金融消 费者权益、维护社会稳定方面发挥的切实作用。 江南时报讯 为积极践行金融机构的社会责任，营造良好的法治金融环境，工行南通海安支行于近日组 织开展了"法暖万家"普法 ...

Core Insights - The article discusses the establishment of a business operations expert database by the Nantong branch to address operational challenges, enhance customer experience, and improve efficiency [1] Group 1: Expert Database Construction - The Nantong branch identified operational pain points such as insufficient professional support and business bottlenecks, leading to the creation of an expert database as a key initiative for empowering frontline staff and improving quality and efficiency [1] - A diverse expert team was formed by selecting outstanding employees with strong business capabilities and communication skills, ensuring coverage of core business areas such as cash operations and account management [1] - A dynamic management mechanism was established to evaluate experts quarterly, using a points system to reward high performers and adjust underperformers, ensuring the expert database's professionalism and effectiveness [1] Group 2: Multi-Dimensional Support System - An "instant Q&A" mechanism was implemented to allow branches to directly connect with experts via dedicated WeChat groups, significantly reducing response times for inquiries [2] - A knowledge case database was created to compile over 150 records of daily Q&A, categorized by business areas, facilitating easier reference for branch staff [2] - Quarterly offline case review meetings are held to analyze typical cases and extract replicable operational processes, enhancing training and knowledge sharing [2] Group 3: Significant Outcomes - The expert database has successfully resolved 158 complex issues for branches, reducing the average problem resolution time from 1-2 working days to 0.5 working days, and decreasing communication costs by 52% [3] - Complaints due to employee unfamiliarity with business processes have decreased by 65%, while customer satisfaction has improved from 96.54% in Q2 to 99.55%, indicating a positive trend in customer experience [3]

Core Insights - The Industrial and Commercial Bank of China (ICBC) Nantong Branch has significantly improved customer satisfaction, achieving a satisfaction rate of 99.55% as of the end of September, with the number of dissatisfied customers decreasing from 24 to 3, successfully converting 21 customers [1][2] Group 1: Customer Experience Improvement Strategies - The bank has focused on identifying the root causes of customer dissatisfaction and implementing targeted care measures based on specific feedback from dissatisfied customers [1] - Daily monitoring of customer satisfaction progress is conducted through the "Double Voice" system, allowing for real-time tracking and support for converting dissatisfied customers [1] - The number of participants in the customer satisfaction survey increased from 173 to 651, nearly a 500-person rise, which effectively improved overall customer satisfaction by expanding the base [2] Group 2: Mechanism and Assessment - The bank has standardized its assessment mechanism to address discrepancies between the account-holding branch and the actual service branch, ensuring that customer dissatisfaction is evaluated consistently [2] - In cases where complaints involve multiple branches, a collaborative approach is required for service resolution, with penalties for branches that fail to cooperate leading to unsuccessful customer conversions [2]

Core Viewpoint - The article discusses the approval of a project loan of 130 million yuan for a foreign manufacturing enterprise specializing in automotive intelligent axles, highlighting the challenges and strategies in financing such projects while ensuring risk management [1][2][3] Group 1: Company Overview - The enterprise is a Taiwanese-funded company with over 50 years of history, primarily engaged in the production and sales of high-end components, particularly axles for various industries [1] - The company is relocating its factory from Taicang to a new site in the Haimen Development Zone due to the demolition of its previous facility [1] Group 2: Financing Challenges - The bank faced challenges in designing a financing solution that meets the client's needs while adhering to its risk preferences, as the client had existing loans from other banks and required additional funds for operational turnover [1][2] - The project has a significant investment requirement, which presents a "small horse pulling a big cart" scenario, indicating a mismatch between the company's scale and the project's financial demands [1] Group 3: Project Viability and Support - The project aligns with national industrial policies, particularly the Ministry of Industry and Information Technology's goal of establishing 10,000 5G factories, with the company investing over 150 million yuan in automated production lines and high-precision testing equipment [2] - The enterprise has stable customer resources and market channels, primarily collaborating with internationally renowned automotive parts companies, indicating potential for market expansion [2] Group 4: Loan Approval and Impact - The project loan of 130 million yuan was approved in less than a month, reflecting strong support for enterprises that align with national industrial policy, and the efficient service provided by the bank was well-received by the company [3] - The financing solution was designed to replace existing project financing and cover remaining construction costs, thereby extending the overall financing term and alleviating repayment pressure on the client [2][3]

江南时报讯 工行南通分行坚决贯彻省分行党委决策部署，以提升南通分行市场竞争力为目标，全力推 进"工赢智造，百日攻坚"专项营销竞赛活动，加快锻造分行业务发展"第二曲线"，实现了制造业金融的 跨越式发展。截至2025年9月末，该行行业口径制造业贷款较年初净增58.41亿元，增幅达32.13%，较去 年同期同比增幅62.29%，增量四行第一，省行排名第三，贷款总量与增速均创历史新高。 辖内某上市企业是南通地区老牌民营制造业，专注于集成电路封装业务。与某国际头部芯片制造商有着 长期且稳定的业务往来，今年以来，基于高端处理器和AI芯片封测需求的不断增长，该企业高性能封 装业务保持稳步增长。同时，随着AI+行业创新机会增多，人工智能产业化进入新阶段，其配合头部客 户人工智能发展的机遇期要求，使得其在增产扩能，技术提升，设备升级方面需求旺盛，南通分行敏锐 捕捉到这一情况，同业首家为其制定了授信提升方案，并最终于9月底前实现了4亿元新增流动资金贷款 的投放，得到了客户的高度认可。 今年以来，该行统一思想认识，辖内各级分支机构快速行动，聚焦南通地方六大先进产业集群，集中优 势资源推进制造业贷款增长。一是多次利用行办会、行务（扩 ...

Group 1 - The core viewpoint of the articles emphasizes the importance of integrating constitutional education into daily life and financial services through various outreach activities [1][2]. Group 2 - The bank has established a strong legal awareness atmosphere by utilizing its service points to display constitutional-themed promotional materials and provide on-site consultations [1]. - A "Constitutional Promotion + Financial Service" team was formed to extend outreach to local manufacturing enterprises, effectively engaging employees with practical legal education [2]. - The bank is committed to enhancing its employees' legal literacy by incorporating constitutional principles into daily operations and encouraging compliance awareness [2].