经济观察报·2025-09-16 12:11Core Viewpoint - The article emphasizes the transformative role of Postal Savings Bank in supporting rural revitalization and enhancing financial services, showcasing its unique competitive advantages in the banking industry through targeted agricultural financing and digital transformation initiatives [2][3][5]. Financial Performance - As of June 2025, Postal Savings Bank's total assets reached 18.19 trillion yuan, a 6.47% increase from the previous year, with customer loans totaling 9.54 trillion yuan, up 6.99% [3][4]. - The bank's net profit for the first half of 2025 was 494.15 billion yuan, reflecting a 1.08% year-on-year growth, while operating income increased by 1.50% to 1,794.46 billion yuan [3][4]. Agricultural Financing - The bank's agricultural loan balance stood at 2.44 trillion yuan, accounting for over 25% of total customer loans, with a 21.28% increase in loans for key grain sectors compared to the previous year [4][13]. - Postal Savings Bank has established a comprehensive service network covering approximately 99% of counties in China, focusing on "three rural" services and enhancing its competitive edge through deep market penetration [7][8]. Digital Transformation - The bank is leveraging digital technology to improve service efficiency and reduce costs, integrating various flows (commercial, logistics, financial, and information) to address challenges in rural financing [8][14]. - Initiatives like the "Industry Smart Payment" solution have been developed to provide tailored financial services to specific agricultural sectors, enhancing the bank's ability to meet diverse customer needs [10][11]. Rural Revitalization Strategy - Postal Savings Bank is committed to supporting rural revitalization through targeted financial products and services, focusing on key areas such as food security, infrastructure development, and enhancing the livelihoods of rural residents [12][13]. - The bank's approach includes innovative financing models and collaboration with local industries to promote sustainable agricultural practices and economic growth in rural areas [9][12]. Future Outlook - The bank aims to continue its digital transformation and enhance its service offerings, ensuring that it remains a key player in the financial sector while contributing to the broader goals of rural revitalization and economic development [16].