【高端访谈】上海农商银行董事长徐力：廿载筑基向百年，以价值创造书写金融为民答卷

Core Viewpoint - Shanghai Rural Commercial Bank has evolved over 20 years from rural credit cooperatives to a modern commercial bank, focusing on value creation and serving the public as its core mission [1][2][4]. Group 1: Historical Development - Established in 2005, Shanghai Rural Commercial Bank marked the transformation of rural credit cooperatives into a modern commercial bank, maintaining a commitment to value creation and serving the public [2]. - The bank has expanded its services from rural areas to urban centers, with significant milestones including the opening of its first urban branch in 2006 and its listing on the Shanghai Stock Exchange in 2021, achieving a market capitalization exceeding 85 billion yuan [2][3]. Group 2: Core Mission and Values - The bank's mission, "Inclusive finance to support a better life for the public," and its vision of being a service-oriented bank focused on value creation have remained consistent despite changing times [3][4]. - The bank emphasizes a culture of "integrity and kindness," aiming to create a comprehensive financial service system that includes retail, inclusive, and technology-driven finance [3]. Group 3: Strategic Shift - In response to the new normal of low interest rates and economic uncertainty, the bank is shifting its focus from scale expansion to value creation, emphasizing the importance of serving customers and addressing social needs [4][5]. - The bank aims to create three types of value for customers: functional, exclusive, and emotional, adapting to changing customer demands and moving beyond traditional banking services [5][6]. Group 4: Social Responsibility and Community Engagement - The bank's "Heart Home" public service project exemplifies its commitment to providing emotional value by extending services beyond financial offerings to community support, including health care and educational services [7][8]. - The bank aims to enhance the quality of life for the elderly and address their needs, positioning itself as a socially responsible institution that integrates financial services with community welfare [8][9].