从企业到银发族！宁波银行数字赋能“五篇大文章”破题高质量发展

Core Viewpoint - The digital wave and technological innovation are driving banks to break traditional service boundaries and promote inclusive financial services, with Ningbo Bank actively responding to national strategies through digitalization and technology empowerment [1][2]. Digital Transformation and Financial Services - Ningbo Bank has established specialized institutions such as technology branches and innovation departments to support technology-driven enterprises, providing full lifecycle support for sectors like semiconductors and intelligent manufacturing [2]. - The bank's "Financial Manager" system has been updated to enhance efficiency and reduce costs for enterprises, demonstrating the effectiveness of digital financial solutions [3][4]. Inclusive Finance Initiatives - Ningbo Bank focuses on providing convenient, efficient, and low-cost financing services for small and micro enterprises, addressing their financing challenges and promoting sustainable development [5][6]. - The bank's inclusive finance loan balance reached 219.94 billion yuan by the end of 2024, serving over 277,800 clients, with a decrease in interest rates by 0.6 percentage points compared to the beginning of the year [7]. Elderly Finance Development - The bank is actively developing its elderly finance business, offering a comprehensive system that includes pension finance, elderly service finance, and elderly industry finance, with over 163 products launched to support retirement planning [8]. - Ningbo Bank has provided over 1 billion yuan in credit to support smart elderly care equipment procurement and community elderly care center construction [8]. Conclusion - Ningbo Bank is committed to transforming policy guidance into tangible benefits for the public, focusing on digital empowerment to support national strategies and contribute to common prosperity [8].