CCB(SH:601939) Zhong Guo Ji Jin Bao·2025-11-20 07:01Core Viewpoint - Shenzhen Construction Bank (Shenzhen Bank) is actively engaging in the 19th Shenzhen International Financial Expo, focusing on the theme of "Cultivating New Quality Productivity and Doing Five Major Articles" to align with national development strategies and enhance its role in building a financial powerhouse [1] Group 1: Technology-Driven Financial Services - Shenzhen Bank is leveraging its geographical advantages and industry data to create a "heat map" for technology enterprises, facilitating precise marketing and differentiated services [2] - The bank has a technology loan balance exceeding 2.44 trillion yuan, with an increase of over 48 billion yuan since the beginning of the year, leading the industry [2] - It has launched a digital financing platform for small and micro technology enterprises, serving over 11,000 companies and providing loans exceeding 12 billion yuan [2][3] Group 2: Green Finance Initiatives - Shenzhen Bank is accelerating the innovation of green financial products to support the "dual carbon" goals, achieving a green loan growth rate exceeding 25% this year [4] - The bank has issued green loans to nearly 1,000 enterprises and has signed a cooperation agreement for the first batch of "water-saving loans" amounting to 30 million yuan [4] - It has been recognized as "excellent" in the People's Bank of China's green finance evaluation [4] Group 3: Inclusive Finance - The bank emphasizes inclusive finance, with a total inclusive loan balance of 364 billion yuan and serving over 106,000 clients as of October 2025 [5] - Over the past five years, it has provided more than 950 billion yuan in inclusive loans, covering over 900 sub-industries [6] Group 4: Elderly Care Financial Services - Shenzhen Bank is developing a comprehensive elderly care financial service system, focusing on various dimensions such as organization, scenarios, models, and products [7] - The "Healthy, Nurturing, and Safe" platform integrates products, services, and educational resources to meet the diverse needs of elderly clients [7] Group 5: Digital Currency Applications - As a pilot institution for digital renminbi, Shenzhen Bank is addressing consumer pain points in the prepaid sector through the "Digital Renminbi Smart Payment Worry-Free Platform" [8] - The platform has covered 1,569 merchants and provided fund supervision services for 960,000 consumers [8] Group 6: Overall Financial Innovation - At the financial expo, Shenzhen Bank showcased its innovations in technology finance, green finance, inclusive finance, elderly care finance, and digital finance, emphasizing its commitment to supporting the real economy and addressing public concerns [9] - The bank aims to continue upgrading service models and product innovations to contribute to the high-quality development of the Guangdong-Hong Kong-Macao Greater Bay Area [9]