华鑫证券总经理陈海东：文化铸魂科技擎旗 打造华鑫特色核心竞争力

Core Viewpoint - The development of a strong financial nation in China is deeply rooted in a distinctive financial culture that serves as both the spiritual core of the industry and the value foundation for financial services in the context of Chinese modernization [1] Group 1: Financial Culture and Development Strategy - The company emphasizes the integration of "义利相生" (mutual benefit) into its business strategy, aligning its operations with national strategic goals through targeted investments in technology, green finance, and digital finance [2] - The company has successfully launched the first national technology property ABS project, raising 266 million yuan for 32 high-tech enterprises, supporting 88 technology property transactions [2] - In green finance, the company issued an 800 million yuan green ABS, which is expected to reduce carbon emissions by 501.95 tons annually [2] Group 2: Compliance and Trust - The company prioritizes integrity as a foundational principle, embedding "守信如金" (trustworthiness) into governance, customer service, and operations, thereby establishing a trust-centered financial service system [4] - A customer suitability management system has been implemented to ensure objective investment advice and rigorous risk assessment for products, leading to a decrease in customer complaints and an increase in satisfaction [4][5] - The company has developed an intelligent management system that automates permissions and integrates risk monitoring, enhancing operational compliance and risk management [5] Group 3: Inclusive Finance and Smart Services - The company is committed to "金融为民" (finance for the people), enhancing financial accessibility through intelligent services and investor education [6] - The launch of the "智选ETF" service has increased ETF trading penetration from 3.5% to 4.2%, significantly lowering investment barriers for residents [6][7] - The company has also issued a 300 million yuan bond linked to low-carbon transition goals, supporting small and micro enterprises while achieving a record low interest rate for similar issuances in the region [7] Group 4: Risk Management - The company adopts a comprehensive risk management approach, emphasizing respect for market rules and legal compliance, with a focus on building a "全面、全程、全员" (comprehensive, full-process, and all-staff) risk management system [8] - The proprietary "星河" big data risk control platform enables real-time monitoring and management across all business lines, enhancing early identification and intervention in risk events [8] - The integration of risk control mechanisms into business processes through digital tools has improved risk response speed and efficiency [8] Group 5: Cultural Integration and Political Direction - The company integrates party leadership into its cultural and operational framework, ensuring alignment with political direction and public interests [9] - The company promotes a "党建+业务" (party building + business) model, leveraging the role of party members in key projects such as AI applications and digital transformation [9] - The commitment to a distinctive financial culture is seen as essential for high-quality development, with ongoing efforts to support technological independence, green transformation, and inclusive finance [9]