SPD BANK(SH:600000) Nan Fang Du Shi Bao·2025-06-26 23:12Group 1 - The core viewpoint emphasizes the transformation of consumption patterns in Shenzhen, driven by policies aimed at expanding domestic demand and promoting consumption [1] - The city, with a population of 18 million, is fostering new consumption experiences and fields, supported by financial services that integrate technology into everyday transactions [1] - The "Tengfei Loan" 3.0 model provides significant credit support to technology-driven enterprises, addressing funding challenges in research and development [2][3] Group 2 - The "Tengfei Loan" 3.0 model differs from traditional lending by offering larger initial credit support to help companies increase their equity value before sharing in the excess equity gains [3] - The "Puzhanggui" intelligent settlement platform is introduced to enhance the payment experience for businesses, addressing issues like high labor costs and inefficiencies in payment management [4] - The platform has received positive feedback from businesses, including a new restaurant chain in Shenzhen, for optimizing payment processes and ensuring fund security [4] Group 3 - To improve the consumption experience for foreign visitors, the bank has established a comprehensive service system at key locations, including language support and streamlined processes for currency exchange [5][6] - The bank's proactive approach in assisting foreign clients, such as facilitating currency exchange for an Indian visitor, highlights its commitment to enhancing cross-border payment experiences [6] - The bank aims to deepen its three-dimensional service system of "payment + credit + scenarios" to stimulate the consumption market and contribute to Shenzhen's goal of becoming a globally influential consumption hub [6]