借ESG东风，陆金所控股推动普惠金融新发展

Core Viewpoint - Lufax Holdings has been recognized as an "Annual ESG Model Enterprise" for its outstanding performance in environmental, social, and governance (ESG) aspects, showcasing its commitment to sustainable development and social responsibility [1][2][3] Environmental Initiatives - Lufax Holdings has implemented practical measures for low-carbon and paperless operations, achieving a 35% reduction in electricity consumption, 17% in water usage, 28% in paper usage, and a 31% decrease in greenhouse gas emissions [1] - The company has established a "carbon neutrality" charitable trust and initiated projects to protect wildlife and restore panda habitats, contributing positively to global ecological efforts [1] - Lufax actively guides suppliers to build responsible management systems, aiming for sustainable operations and creating a green business ecosystem [1] Social Contributions - The company has made significant strides in inclusive finance by reforming its guarantee model and increasing risk-bearing ratios, facilitating financing for small and micro enterprises [2] - Lufax employs an O2O service model combining online processes with offline consulting to address financing challenges faced by small businesses, providing over hundreds of billions in loans to various small and rural enterprises [2] - Innovative "Finance+" public welfare models, such as "Finance + Women" and "Finance + Industry," have been developed to enhance employment opportunities and improve farmers' skills, promoting social equity and progress [2] Corporate Governance - Lufax has established a clear and effective corporate governance structure, integrating ESG principles into its comprehensive risk management system, significantly enhancing its risk resilience [3] - The board comprises industry elites who emphasize diversity and independence, ensuring scientific and fair decision-making [3] - The company prioritizes consumer rights and privacy in its governance strategy, implementing AI-driven loan solutions that enhance financing efficiency while safeguarding customer information through advanced security measures [3] - Due to its exemplary ESG performance, Lufax has received an upgraded rating to A from MSCI, attracting global investment interest [3]