涉外服务质效高，畅通办理暖外宾 为使金融发展成果更广泛惠及人民群众，中国邮政储蓄银行四川省分行直属支行营业部（以下简称"直 属支行营业部"）始终恪守"以客户为中心"的服务理念，持续创新服务模式，优化服务流程。针对老年 客户、商户、户外工作者及外籍人士等特殊群体，直属支行营业部推出一系列高效、贴心的服务举措， 赢得社会各界广泛赞誉，有力彰显了邮储银行的大行担当。 零钱兑换暖人心，便捷服务解难题 "以往兑换零钞多有不便，有时候还得跑好几家银行，现在邮储银行提供了零钱包服务，真是方便多 了！"经营便利店的张女士对直属支行营业部推出的"零钱包"便捷兑换服务给予高度评价。为满足商户 及老年客户在日常经营与生活中对小面额现金的需求，该网点推出此项服务——客户无需排队即可兑 换，也可预约享受上门兑换。自推出以来，该服务迅速成为周边商户及老年群体的"福音"，有效纾解其 找零与支付难题。截至目前，直属支行营业部已累计为商户及老年客户兑换零钱包130余个，其中提供 上门兑换服务40余次。 转自：推广 适老服务细入微，网点设施传温情 步入直属支行营业部，环境温馨舒适。网点专设爱心窗口，配备老花镜、放大镜、大字版指南、助盲板 等适老 ...

8月7日以来，甘肃兰州市榆中县等地遭遇连续强降雨引发山洪灾害。面对灾情，邮储银行全力以赴做好 抗洪救灾和灾区金融服务保障工作。 榆中县支行客户经理及时梳理马坡乡、小康营乡、夏官营镇、城关镇4个重灾区的贷款客户，主动致电 了解客户在汛情中的实际困难，为客户提供金融帮助。对于受汛情影响还款困难的客户，榆中县支行开 通绿色服务通道，协同相关业务部门积极落实信贷纾困政策，根据客户实际情况提供延期还款、调整还 款计划等支持，与客户一道共渡难关。此外，邮储银行榆中县支行为榆中县高崖灾民安置点等地送去早 餐、方便面、矿泉水、面包等急需物资，并组建了党员应急服务队，为应急保障和服务群众等工作提供 实际帮助，以暖心服务积极践行社会责任。 下一步，邮储银行将密切关注灾区救灾及重建情况，持续以扎实的行动和优质的服务，全力保障客户资 金安全和金融服务稳定，为甘肃榆中县防汛救灾工作贡献力量。 （文章来源：新华网） 灾情就是命令，时间就是生命。邮储银行榆中县支行第一时间启动应急响应机制，召开紧急防汛工作会 议，传达防汛工作要求，分析辖区内汛情潜在风险点，重点对营业网点、自助设备服务区、机房等关键 区域进行隐患排查，确保ATM机等自助设备 ...

Core Insights - The personal loan business is a crucial profit source for banks, with increasing competition leading to aggressive retail strategies among major banks [1][2] - The shift from investment-driven to consumption-driven economic growth in China has prompted banks to enhance their consumer loan offerings as part of broader macroeconomic policies [2][4] - The six major state-owned banks have significantly increased their personal consumption loan portfolios, with total growth exceeding 1.8 trillion yuan, driven by policy support and strategic adjustments [3][4] Group 1: Market Dynamics - The consumer loan market is experiencing intense competition, with state-owned banks, joint-stock banks, and city commercial banks all vying for market share [1][6] - In 2024, the six major banks' personal consumption loans (including credit card overdrafts) surpassed 1 trillion yuan in incremental growth, reflecting a robust demand for consumer credit [4] - Agricultural Bank of China reported a personal consumption loan issuance of 561.6 billion yuan in 2024, marking a year-on-year increase of 876 billion yuan [4] Group 2: Performance Metrics - As of 2024, the personal consumption loan balances for major banks are as follows: Industrial and Commercial Bank of China (421.2 billion yuan), Agricultural Bank of China (476.4 billion yuan), and Construction Bank (527.9 billion yuan), all showing significant year-on-year growth [3][4] - Credit card overdraft balances also saw growth, with Agricultural Bank of China increasing by 22.68% year-on-year, while other banks like Postal Savings Bank experienced a decline in growth rates [4][5] - The non-performing loan (NPL) ratios for personal consumption loans in 2024 were reported as follows: Industrial and Commercial Bank (2.39%), Agricultural Bank (1.55%), and Postal Savings Bank (1.34%) [5] Group 3: Strategic Initiatives - Major banks are leveraging their financial strength and customer bases to capture market share in consumer loans, with a focus on scenario-based services through partnerships with retailers and e-commerce platforms [6][14] - City commercial banks are also adapting their strategies, with Jiangsu Bank leading in personal loan balances at 674.8 billion yuan, while others like Ningbo Bank and Nanjing Bank are refining their customer targeting and service models [7][9] - Some banks are introducing large consumer loan products backed by real estate, indicating a trend towards higher loan amounts and longer terms to attract borrowers [11][12] Group 4: Future Outlook - The consumer loan market is expected to continue its rapid growth, driven by government policies aimed at boosting consumption and the banks' strategic focus on expanding their loan portfolios [4][19] - The balance between loan growth and risk management will be critical for banks, as rising non-performing loan rates could lead to more cautious lending practices [16][19] - Innovative products, such as personal loans for electric vehicles, are emerging as banks seek to capture niche markets within the broader consumer loan landscape [18]

据悉，该笔贷款资金专项用于采购燃油效率更高的新机型、开展运行环节优化降低飞行能耗及应用 可持续航空燃料。为确保转型有效进行，邮储银行上海分行聘请第三方专业机构在贷款存续期间为企 业"体检"，如未达标则上调贷款利率。据测算，若目标顺利达成，吉祥航空2025年将减少二氧化碳排放 近2.86万吨。通过持续减排，为飞行添"绿意"。 为焦炉注入"绿色动力" 焦化行业的"高碳枷锁"正被金融力量悄然打开。近期，邮储银行山西省分行为金鼎钢铁集团煤焦化 有限公司顺利发放1亿元转型金融贷款，这是邮储银行焦化行业转型金融的"破冰之举"，也是银行业首 笔焦化行业主体转型流贷业务。 在经济社会绿色转型进程中，转型金融作为连接传统产业与绿色发展的重要纽带，正发挥着关键作 用。当前，钢铁、水泥、化工等高碳行业既是推动经济发展的基础性行业，又面临碳减排压力，处于绿 色转型的关键期。转型金融通过创新金融工具和服务模式，破解了"转不起"的资金困境，攻克了"转不 动"的技术瓶颈，为传统产业绿色升级提供坚实保障。 邮储银行积极落实国家"双碳"目标，深入践行绿色发展理念，以金融为笔，在航空、焦化、水泥等 高碳行业的转型画卷上，勾勒出一幅幅生动的绿色图 ...

Core Viewpoint - The Chinese government is implementing a series of structural monetary policies to support technological innovation, boost consumption, assist small and micro enterprises, and stabilize foreign trade, with a particular focus on addressing the financing difficulties faced by small and micro enterprises [1][2]. Group 1: Financing Support Mechanisms - A coordination mechanism has been established to facilitate quick connections between small enterprises and financial institutions, exemplified by the case of Zhejiang Mailong Electric Co., which received a loan of 9.9 million yuan within three days through a dedicated service team [2][3]. - By the end of June, 960,000 small enterprises in Zhejiang had received credit support through this mechanism, demonstrating its effectiveness in addressing financing needs [3][4]. Group 2: Policy Measures to Reduce Financing Costs - The introduction of an optimized non-repayment loan policy has expanded eligibility to all small enterprises, significantly alleviating their financial burdens and reducing the need for high-cost bridge financing [5][6]. - As of June, the balance of renewed loans for small enterprises reached 820 billion yuan, reflecting a year-on-year increase of 43.8% [6][7]. Group 3: Credit Platforms and Efficiency Improvements - The establishment of credit platforms, such as the "Tianfu Credit Pass," has improved financing efficiency by providing data-driven credit assessments for enterprises lacking collateral, as seen in the case of Tianyun Biotechnology [8][9]. - Various regions are enhancing credit information sharing and improving risk management models to better support small enterprises, thereby addressing the common challenges of financing difficulties and high costs [9][10].

Core Viewpoint - The Chinese government is implementing a series of structural monetary policies to support small and micro enterprises, enhance technological innovation, boost consumption, and stabilize foreign trade, with a focus on resolving financing difficulties for small businesses [3][5]. Group 1: Financing Support Mechanisms - A coordination mechanism has been established to facilitate quick connections between small enterprises and financial institutions, exemplified by the case of Zhejiang Mailong Electric Co., which received a loan of 9.9 million yuan within three days through a dedicated service team [4][5]. - As of June 30, 2023, 960,000 small enterprises in Zhejiang have received credit support through this mechanism, with over 90 million enterprises and individual businesses visited to assess financing needs [5][6]. Group 2: Policy Enhancements - The "no repayment" loan renewal policy has been optimized to include all small enterprises, allowing those with genuine financing needs to apply for renewal support, significantly reducing their financial burden [6][7]. - The average interest rate for newly issued inclusive small enterprise loans was 3.89% in the first half of the year, a decrease of 1.98 percentage points compared to 2020, indicating a favorable trend in financing costs [8][9]. Group 3: Credit Platforms and Efficiency - A credit platform has been developed to improve financing efficiency, allowing enterprises without collateral to secure loans based on their operational data and tax records, as demonstrated by Tianyun Biotechnology Co., which received a 2 million yuan loan [9][10]. - Various regions are enhancing data resource integration and credit information sharing to address the financing challenges faced by small enterprises, aiming to streamline the approval process and improve risk management [10].

Core Viewpoint - Postal Savings Bank of China (PSBC) is actively supporting rural revitalization through innovative financial products, focusing on agricultural financing to enhance the vitality of rural industries [1][2][3][4][5] Group 1: Financial Products and Services - PSBC has introduced various financial products such as "Credit Loan," "Industry Loan," and "Express Loan" to address the financing challenges faced by farmers and agricultural operators [1] - As of June 30, PSBC's Yongfeng County branch has disbursed over 300 million yuan in personal loans, benefiting more than 800 households with over 700 million yuan in loans for new agricultural entities [1][2] Group 2: Impact on Agricultural Development - The introduction of the "Industry Loan" has enabled farmers like Li Xiaoqiang to expand their peach orchards from 5 acres to 75 acres, leading to the establishment of a 3,500-acre peach industry in the region [2] - The total peach production in the area is expected to exceed 1.5 million pounds this year, generating over 12 million yuan in revenue, with an average annual income increase of over 30,000 yuan per household [2] Group 3: Success Stories of Farmers - Farmers like Chen Xue have benefited from PSBC's "Online Credit User" loans, allowing them to manage their operations effectively without collateral, leading to significant income increases [3] - The lotus farming area has expanded to over 2,000 acres, with more than 500 households experiencing an average income increase of over 20,000 yuan annually, transforming the region into a prosperous agricultural hub [3] Group 4: Community and Cooperative Development - The "Express Loan" has facilitated the expansion of family farms, enabling farmers to increase their planting areas and introduce high-end crops, significantly boosting their income [4][5] - PSBC's targeted credit strategies for six major income-generating industries have led to the creation of over 3,000 jobs in the county, with family farm owners becoming key players in rural revitalization [5]

Core Viewpoint - The integration of financial support and cultural heritage preservation is revitalizing the bamboo weaving industry in Quxian, Sichuan, transforming it from a struggling craft to a thriving business model through innovative financing solutions [1][2]. Group 1: Industry Challenges - The Liu bamboo weaving technique faced significant challenges due to industrialization and changing market aesthetics, leading to a decline in skilled artisans and low annual production value of less than 10 million yuan before 2010 [1]. - At that time, there were fewer than 100 professional bamboo weavers in the county, and both raw material cultivation and craft innovation were stagnating due to a lack of funding [1]. Group 2: Financial Solutions - Postal Savings Bank of Dazhou City established a financial support network for the bamboo weaving industry, offering specialized credit support and financial services tailored to the unique needs of the industry [1][2]. - The bank's flagship credit product, "Micro Easy Loan," provides credit loans up to 5 million yuan per individual, focusing on credit loans with auxiliary guarantees, and has a dedicated service team for the bamboo weaving sector [1]. Group 3: Development Initiatives - To promote the bamboo weaving industry from scattered workshops to clustered development, the bank has created a financial service team that has established financing profiles for over 500 merchants in key areas such as bamboo weaving parks and trading markets [2]. - The bank has also introduced differentiated support plans, including "Fast Loan" for individual artisans and loans up to 10 million yuan for leading enterprises, along with innovative financing solutions for bamboo seedling growers [2]. Group 4: Cultural and Economic Impact - Recently, the bank approved an 80 million yuan special credit for bamboo seedling projects, marking the first "Forest Four Libraries" industry loan in Sichuan, aimed at supporting the cultivation of high-quality bamboo seedlings over 20,000 acres along the river [2]. - The financial empowerment has led to the establishment of the Eastern Sichuan Bamboo Weaving Art Academy, training over 200 professional artisans annually, and the introduction of modern design concepts, with high-end bamboo products selling for over 500,000 yuan each [2].

Core Viewpoint - The development of the Qinghai dairy industry, particularly yogurt, has been significantly supported by Postal Savings Bank of China through innovative financial products and optimized credit structures, enabling the industry to adapt to market changes and enhance product quality [1][2]. Group 1: Financial Support for Dairy Industry - Postal Savings Bank of Qinghai Province has actively engaged in credit village construction to address funding issues for local dairy farmers, resulting in over 70 households in Binggou Village raising yaks and dairy cows [2]. - The bank has increased support for key segments of the dairy supply chain, including processing, ranch construction, and cold chain logistics, by providing loans for production scale expansion and technological upgrades [2]. Group 2: Integration of Traditional Craft and Modern Technology - The Qinghai dairy industry has achieved scale expansion and the integration of traditional methods with modern technology, enhancing production efficiency and product stability [3]. - A specific dairy company in Qinghai has adopted modern fermentation technology and developed techniques such as probiotic addition and low-temperature freeze-drying, extending product shelf life while maintaining traditional flavors [3]. Group 3: Comprehensive Financial Services - Postal Savings Bank of Qinghai Province has established a comprehensive financial support system that covers financing, settlement, and management, facilitating the expansion of Qinghai yogurt into broader markets [4]. - The bank has developed a product system that includes first loans, renewal loans, and credit loans, along with an online platform providing integrated services for financing, payment settlement, and wealth management, promoting digital transformation in traditional industries [4].

Core Viewpoint - The growth of Jiangxi Zhongyan Food Company is significantly attributed to the support from Postal Savings Bank, which provided timely financial assistance and tailored repayment plans to meet the company's operational needs [1][2][3]. Group 1: Company Growth and Financial Support - Jiangxi Zhongyan Food Company experienced a 40% year-on-year increase in order volume two years ago, leading to a pressing need for bulk spice procurement to expand production [1]. - The company faced a critical situation with only three days' worth of spices in stock, and the timely approval of a 4.5 million yuan "quick loan" from Postal Savings Bank was described as "lifesaving" [2]. - After receiving the funds, the company's order delivery rate improved from 60% to 100% within the same month [2]. Group 2: Strategic Expansion and Cost Reduction - With the expansion of its market, the company aimed to source directly from producers in Inner Mongolia and Xinjiang, but faced challenges related to capital occupation and rising transportation costs [2]. - In May, the bank increased the company's credit limit to 9 million yuan, enabling direct contracts with local farmers, which reduced the procurement cost of raw sunflower seeds by 15% [2][3]. - Establishing a direct procurement base in Inner Mongolia allowed the company to save nearly 300,000 yuan in annual funding costs due to the elimination of middlemen and interest rate benefits [3]. Group 3: Bank's Role in Supporting SMEs - The growth of Zhongyan Food Company reflects the efforts of Postal Savings Bank's Yugan County branch in addressing the financing challenges faced by small and micro enterprises [3]. - The bank has formed a dedicated team to provide tailored financial solutions for local industries, including food processing and aquaculture, and has issued over 2.3 billion yuan in loans to 120 small and micro enterprises [3].