扎根中原沃土 书写金融为民新篇章——中国银联河南分公司扎实推进“五篇大文章”实践纪实

Core Viewpoint - The Central Financial Work Conference has outlined a strategic deployment focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, guiding the financial industry towards high-quality development [1]. Technology Finance - Henan UnionPay leverages technology to enhance financial services and risk management, collaborating with local banks to implement solutions like "Fire Eye" and "Sky Shield," which have identified risks for over 315 million personal loans and 55 million small business loans [2]. - The introduction of a service for querying deceased individuals' bank accounts has improved efficiency, covering 33 banks and significantly reducing the need for public visits [2]. - A comprehensive anti-fraud campaign has been launched, achieving 15,000 downloads of promotional materials, reinforcing public financial security [2]. Green Finance - Henan UnionPay promotes green finance through initiatives like the "1 penny bus ride" program, investing over 400,000 yuan to encourage eco-friendly transportation [3]. - A partnership with the Bank of Communications has created a comprehensive green benefits system, investing 700,000 yuan to reduce consumer costs across various transportation modes [3]. - The organization is expanding green consumption initiatives, integrating eco-friendly practices into consumer behavior [3]. Inclusive Finance - Henan UnionPay focuses on rural and small business support, facilitating sales of local agricultural products that generated over 16 million yuan through targeted marketing efforts [4]. - A merchant platform has been established to connect small businesses directly with UnionPay, with 11 payment institutions participating, and a subsidy policy has been introduced to lower operational costs for small merchants [4]. - The "One Minute Life Circle" project has issued small consumption vouchers, resulting in over 2.81 million transactions and boosting consumption by over 105 million yuan [4]. Pension Finance - Henan UnionPay has developed a senior-friendly financial service ecosystem, launching a comprehensive subsidy program for elderly consumers, distributing nearly 20 million yuan in benefits [5]. - The organization has partnered with over 800 senior meal service providers to facilitate various payment methods, addressing payment challenges for the elderly [5]. - The "Caring Version" of the UnionPay app has been optimized for seniors, simplifying the user interface and enhancing accessibility to digital payment services [6]. Digital Finance - Henan UnionPay is building a digital financial ecosystem tailored to the needs of small banks and rural revitalization, enhancing merchant capabilities and promoting integrated payment solutions [7]. - The "Jinxiu Action 2025" initiative aims to improve the acceptance environment for merchants, with 59,400 merchants currently enabled for card and code payments [7]. - The organization is fostering collaboration between government and industry resources to support the digital transformation of small banks and contribute to rural financial development [7]. Conclusion - Henan UnionPay is committed to integrating financial services with community needs, focusing on technology, green initiatives, inclusivity, elder care, and digital transformation to enhance the quality of life and economic development in the region [8].