Xin Lang Cai Jing·2025-11-14 07:49Core Viewpoint - The financial industry is tasked with a new historical mission to support high-quality development, focusing on enhancing financing accessibility and improving financial product services by 2027 [1] Group 1: Financial Industry Development - The State Council has issued guidelines to achieve significant results in the "Five Major Articles" of finance by 2027, emphasizing the need for improved financing accessibility and a more comprehensive inclusive financial system [1] - Financial institutions are increasingly adopting a "value creation" approach to serve high-quality development, integrating their growth with national strategic goals [2] Group 2: Inclusive Finance Initiatives - The Qingdao branch of the Construction Bank is committed to supporting small and micro enterprises as a core aspect of inclusive finance, utilizing digital technology to enhance credit services [3] - The "Jianhang Huidongni" platform has been developed to provide a comprehensive digital inclusive finance model, streamlining the loan process and addressing the "first loan difficulty" for small businesses [3][4] - As of August this year, the inclusive finance loan balance at the Qingdao branch reached 35 billion yuan, with an increase of 3.05 billion yuan since the beginning of the year [4] Group 3: Elderly Financial Services - The Qingdao branch is actively implementing the national pension finance strategy, focusing on creating a comprehensive pension service system to support the aging population [5] - The bank has introduced the "Anxiang" series of financial products designed for the elderly, emphasizing stability and low volatility to alleviate economic burdens [5] - Adaptations for elderly clients include a dual-service mechanism and enhancements to mobile banking, ensuring accessibility and ease of use for older customers [6] Group 4: Consumer Finance Expansion - The bank is responding to the trend of consumption upgrades by offering diverse and personalized consumer credit products to stimulate market potential [7] - The introduction of the fiscal subsidy policy for personal consumer loans aims to reduce financing costs for residents, with the bank implementing this policy effectively [8] - The bank has launched various consumer loan products, enhancing service efficiency and accessibility for residents [8] Group 5: Future Outlook - The Qingdao branch plans to continue its focus on inclusive finance, pension finance, and consumer finance, aiming to enhance service quality and contribute to the development of a modern socialist metropolis [9]