交通银行王冠：新时代的商业银行应该肩负三个使命

Core Viewpoint - The core viewpoint of the article emphasizes that commercial banks in the new era should undertake three key missions: to be co-builders of an innovation ecosystem, practitioners of inclusive finance, and leaders in green transformation [3][12]. Group 1: Innovation Ecosystem - Commercial banks should act as co-builders of an innovation ecosystem by providing adaptive financial services to cultivate new productive forces [3][12]. - Traffic Bank has signed a strategic cooperation agreement with the Ministry of Industry and Information Technology's Torch Center to create an innovation laboratory, launching a "Five Ones" initiative in 2025 to enhance collaboration [5][6]. - The bank has introduced the "Jiaoyin Torch Loan," specifically designed for long-term technology-oriented small and micro enterprises, and has developed an active credit granting service model to improve financing convenience [6][15]. Group 2: Inclusive Finance - Commercial banks must be practitioners of inclusive finance, focusing on enhancing the well-being of the people through people-centered financial services [7][16]. - The bank is actively participating in the construction of the third pillar of pension finance, providing comprehensive retirement planning and health management services to address the aging population [8][17]. - Traffic Bank is integrating financial services into the entire lifecycle of the people, offering rental deposit loans to new citizens and enhancing financial accessibility [8][17]. Group 3: Green Transformation - Commercial banks should lead in green transformation by supporting sustainable development through systematic financial practices [9][18]. - Traffic Bank has established a diverse product service system that includes green credit, green supply chains, and carbon finance, positioning green as a core aspect of its business operations [9][18]. - The bank has participated in the development of financial standards for green low-carbon upgrades in infrastructure and is working on a financial directory for low-carbon transition activities [9][18].