Xin Lang Cai Jing·2025-11-19 02:35Core Viewpoint - The establishment of a strong financial culture rooted in Chinese characteristics is essential for the development of a financial powerhouse, emphasizing the importance of integrating traditional culture into modern financial practices [1][2]. Financial Culture Development - The Qingdao Branch of Bank of Communications emphasizes the cultivation and promotion of Chinese financial culture as a key task, integrating it into all aspects of its operations [2][3]. - The bank's leadership prioritizes the establishment of a unified leadership structure to enhance compliance and governance, ensuring adherence to laws and regulations [2][3]. Compliance and Risk Management - The bank has made compliance culture a top priority, conducting extensive education and training on internal controls and compliance, fostering a culture of compliance among all employees [3][4]. - Regular analysis of typical cases and the creation of warning materials are employed to educate employees on correct operational and risk perspectives [4]. Innovation and Service Quality - The bank focuses on "guarding integrity while innovating," ensuring that financial services remain grounded in real economic needs while continuously innovating products and services [5][6]. - As of August, the bank's loans to technology enterprises reached 24.987 billion, with a year-to-date increase of 4.418 billion, reflecting a growth rate of 21.48% [6]. Green and Inclusive Finance - The bank actively supports green finance initiatives, with green loan balances exceeding 32 billion as of August, and is involved in projects that integrate clean energy with modern agriculture [7]. - The bank's inclusive finance strategy has resulted in a 27% increase in inclusive loans, demonstrating its commitment to supporting small and micro enterprises [8]. Rural and Elderly Financial Services - The bank has tailored its services to support rural revitalization, with agricultural loans increasing by over 10% year-to-date, significantly outpacing other loan categories [8]. - The bank has developed a comprehensive pension financial service system, opening 344,600 personal pension accounts and increasing loans to the elderly care industry by over 83% [12]. Digital Financial Services - The bank enhances customer experience through digital financial services, including the establishment of a comprehensive online platform for public services, facilitating over 80 self-service transactions [9]. - The bank has implemented a leading digital RMB payment system, expanding its application scenarios in the local economy [9]. Commitment to Social Responsibility - The bank adheres to the principle of "finance for the people," serving nearly 4.95 million citizens, which is about 50% of the local population, and has been recognized for its consumer rights protection efforts [11][13]. - The bank has introduced innovative services for flexible employment and retirement, receiving national recognition for its contributions to social security [12].