这场山区烟草外拓活动，既解决了商户实际难题，更让建行服务扎根山区。这是该行员工践行金融服务 "五篇大文章" 的生动实践，也是服务实体经济、服务民生的具体体现。 南部山区村落相隔遥远，周边金融网点分布零散，烟草商户办理存取款、转账等业务需长途奔波。为破 解这一困境，该行员工主动扛起责任：他们背起沉甸甸的移动设备，踏上崎岖山间小道，在村落间穿梭 往返。山路颠簸难行，汗水浸湿衣衫，大家却有说有笑，用脚步丈量服务距离，只为让山区商户享受到 与城市同等便捷的金融服务。 此次服务不仅带来传统金融便利，更融入科技元素，提供一站式解决方案。通过移动终端与智能设备， 员工为商户办理线上支付开通、电子转账、个人养老金账户开户等业务；引入大数据信用评估系统，为 商户精准匹配信贷支持，缓解经营资金压力；借助智慧金融平台，帮助商户实时查询资金流向、管理经 营账目，大幅提升财务效率。商户李大哥操作着手机里的智慧金融功能，笑着说："以前查账要跑老 远，现在手机上点一点就行，建行这服务太贴心了！" 在济南南部山区，连绵青山与错落村庄构成绝美画卷，却也因村落分散、网点稀疏，让当地烟草商户面 临金融服务不便的难题。近日，建行济南经十东路支行积极 ...

21世纪经济报道记者 孙永乐 近期，"湘财+大智慧"事宜推进迅速，核心交易细节于近日正式落地。 继审计、尽职调查等工作完成后，湘财股份（600095.SH）换股吸收合并大智慧并募集配套资金暨关联交易报告书（草案）出炉。据双方披露的70余份公 告，本次换股吸收合并的核心方案已明确，标志着此次交易进入股东会审批与监管审核的关键阶段。 具体而言，湘财股份拟换股吸收合并大智慧，湘财股份的A股换股价格为7.51元/股，大智慧的A股换股价格为9.53元/股，换股实施后，湘财股份总股本拟增 至51.41亿股，大智慧将终止上市；同步推出不超80亿元配套融资方案，拟向不超过35名特定投资者定增，资金投向金融大模型、大数据工程、财富管理一 体化、国际化金融科技、补充流动资金及偿还债务等用途。 针对吸收合并落地时间，湘财股份相关人士向21世纪经济报道记者回应称，目前暂时无法确定，公司需先召开股东大会审议相关议案，之后再推进后续流 程。公告显示，本次交易尚需湘财股份和大智慧股东会审议通过，并获得上交所审核通过及中国证监会注册。 相关消息点燃二级市场资金热情，9月24日，湘财股份以涨停价报收，大智慧当日涨幅超5%；9月26日，湘财股份 ...

通过查询老人银行卡交易流水，工作人员发现这笔资金并非被盗，而是通过某支付平台被扣划至一家保 险公司，用于购买了一款保险产品。经进一步询问，老人回忆起前几日在手机上点击过 "领红包" 弹 窗，推测是在不知情的情况下误点投保协议，开启了自动扣款功能。 当天，一位神色慌张的老人匆匆走进该行网点大厅，焦急地向工作人员求助，称自己银行卡里刚到账的 2000 多元退休金突然 "不见了"。考虑到老人情绪激动，工作人员第一时间上前安抚，耐心引导老人回 忆近期银行卡的操作过程，试图寻找资金去向的线索。 随着数字化金融的快速发展，老年群体在使用智能服务时难免面临 "数字鸿沟"，金融权益保护也成为 社会关注的重点。建行菏泽八一路支行此次的暖心服务，不仅为老人解决了实际难题，更树立了金融机 构守护老年客户权益的典范。未来，该行将持续践行以客户为中心的服务理念，用更细致、更温暖的服 务，为不同群体客户筑起金融安全屏障，让每一份信任都能得到用心守护。 深知退休金是老人生活的重要保障，工作人员没有将责任归咎于 "个人误操作"，而是迅速行动，协助 老人联系支付平台和保险公司官方客服，明确表明 "非本人自愿购买" 的立场，正式提出终止协议和退 ...

Core Viewpoint - The article highlights the proactive measures taken by Minsheng Bank's Jinan Zhangqiao branch to enhance financial consumer rights and awareness through a dedicated campaign aimed at educating the public about financial safety and knowledge [1][3]. Group 1: Campaign Initiatives - The campaign titled "Protecting Financial Rights, Supporting a Better Life" was launched on September 15, focusing on educating consumers about financial risks and rights [1]. - The branch organized targeted financial knowledge presentations in communities and enterprises, specifically addressing the needs of elderly individuals and new residents [1][2]. - Interactive elements such as a "Q&A" section were included in the promotional area to engage the public and enhance learning interest [2]. Group 2: Specialized Services - The branch established a "Financial Consumer Rights Protection Promotion Zone" with easy-to-understand materials and video content to facilitate learning [2]. - Staff members received specialized training to provide one-on-one consultations, explaining complex financial concepts like deposit insurance and investment risks [2]. - The branch implemented senior-friendly services, including a care station with magnifying glasses and wheelchairs, and prioritized service for elderly and disabled customers [2]. Group 3: Future Plans - Minsheng Bank's Jinan Zhangqiao branch plans to establish a regular outreach mechanism, conducting monthly financial education sessions in communities and businesses [3]. - A customer feedback mechanism will be introduced to continuously improve service processes based on client needs [3]. - The branch aims to cultivate a team of "Financial Knowledge Ambassadors" to enhance the effectiveness of financial education efforts [3].

日前，在第二届中国司库年会暨中国司库建设标杆企业大奖"司南奖"颁奖典礼上，渤海银行股份有限公 司(以下简称"渤海银行")推出的"渤银司库"服务体系，凭借在产品设计理念、技术应用创新及服务实践 效果方面的突出表现，斩获具有行业风向标意义的"中国司库建设优秀银行"奖项。 司库服务作为商业银行服务实体经济的关键载体，在金融科技的赋能下迎来转型。 今年2月，渤海银行紧跟市场趋势，依托金融科技优势与多年企业客户服务经验的积累，在天津首创推 出"渤银司库"服务体系。其以天津市国资委提出的"11+4"功能为蓝本，匠心构筑七大智脑中枢新平台， 搭载智能化流程服务、决策分析、辅助管理与金融服务，全方位满足企业全功能司库管理的需求——通 过智能化可视化系统，让企业资产精准洞悉"看得见"；通过跨账户跨项目的自由调配，实现财资管理运 筹帷幄"调得动"；依托健全的风控体系与合规管理体系，助力企业经营全局掌控"管得住"；融合渤海特 色金融服务方案，推动金融资产稳操胜券"用得好"。 同时，"渤银司库"还通过与企业内部系统的互联互通，以"智享版""尊享版"与"金融直通车"为主线，对 不同行业、不同规模企业提供差异化、定制化一揽子金融服务方案 ...

这一战略聚焦也让江苏银行在2025年上半年实现了与区域经济的协同增长和同频共振。财报显示，江苏 银行上半年实现营业收入448.64亿元，同比增长7.78%；归属于母公司股东的净利润202.38亿元，同比 增长8.05%；资产总额达4.79万亿元，较上年末增长21.16%。 稳健的财务表现，是江苏银行持续赋能实体经济的生动印证。 江苏银行的高质量增长逻辑 银行作为经济运行的重要枢纽，其财报往往是观察实体经济运行状况的一面窗口。而江苏银行作为城商 行"排头兵"，业务深度扎根长三角经济腹地，其经营表现和资产质量尤其值得我们深研。 截至2025年6月末，江苏银行资产总额达4.79万亿元，较上年末增长21.16%；贷款余额2.43万亿元，较 上年末增长15.98%。其中对公贷款余额1.63万亿元，较上年末增长23.30%，这一增速表现领先同业。 深入探究发现，江苏银行能够实现优于同业的资产扩张，主要得益于内外部双重因素的共同推动。 首先，从外部环境来看，江苏银行受益于其所在地域突出的经济优势。江苏经济发达、金融资源集聚， 为该行发展提供了坚实基础。此外，江苏银行还借助区位优势，进一步积极辐射长三角、珠三角、环渤 海三大 ...

Core Viewpoint - The company reported steady growth in its financial performance for the first half of 2025, with a focus on maintaining asset quality and expanding its retail and corporate banking services [9][10][14]. Financial Performance - Total assets reached RMB 1,247.385 billion, an increase of 8.78% compared to the end of the previous year [9]. - The total loan and advance principal amounted to RMB 602.692 billion, growing by 10.56% year-on-year [9]. - Customer deposits totaled RMB 759.184 billion, reflecting a growth of 5.01% [9]. - Operating income for the period was RMB 13.249 billion, a year-on-year increase of 1.59% [9]. - Net profit attributable to shareholders was RMB 4.329 billion, up 5.05% from the previous year [9]. Asset Quality - The total loan principal was RMB 602.692 billion, with a non-performing loan (NPL) balance of RMB 7.046 billion, resulting in an NPL ratio of 1.17%, unchanged from the previous year [5]. - The provision coverage ratio stood at 309.71%, a decrease of 3.09 percentage points from the end of the previous year [5]. Shareholder Returns - The company proposed a mid-year cash dividend of RMB 2.00 per 10 shares, totaling RMB 804.311 million, which represents 18.58% of the net profit attributable to shareholders [3][51]. Business Development Strategies - The company emphasized its strategy in rural finance, achieving a county deposit balance of RMB 248.468 billion, an increase of 6.10%, and a county loan balance of RMB 229.169 billion, up 13.80% [10]. - Retail banking saw personal deposits rise to RMB 417.724 billion, an increase of 8.08%, while personal loans reached RMB 192.036 billion, growing by 1.33% [12]. - Corporate loans increased to RMB 404.924 billion, a growth of 16.87%, with corporate deposits at RMB 310.703 billion, up 4.00% [14]. Risk Management - The company has implemented enhanced risk management policies, focusing on credit risk and product-level risk monitoring [22][23]. - A comprehensive risk culture initiative is underway to improve compliance and risk awareness among staff [23].

Core Viewpoint - The current strength in the Hong Kong and A-share markets, particularly in technology stocks, is mirrored in the financial technology sector, which is benefiting from both market liquidity and the long-term trend of digital finance transformation [1] Group 1: Company Performance - In the first half of the year, the company achieved a revenue of 2.5 billion RMB, representing a year-on-year growth of 43.8%, and a net profit of 216 million RMB, up 79.5% [2] - The adjusted net profit reached 218 million RMB, with a growth rate exceeding 80% [2] - As of August 25, the company's stock price has increased by over 90% year-to-date [2] Group 2: Market Valuation and Expectations - The company's value potential remains underappreciated, with the market overlooking the "threefold expectation gap" that could catalyze valuation recovery and growth [3] - The first expectation gap relates to the underestimated business resilience and asset quality, with a loan realization volume of approximately 38 billion RMB, a 40% increase year-on-year [4] - The company has a solid user base, with cumulative registered users in mainland China reaching 167 million, an 11.7% increase [4] Group 3: Asset Quality and Risk Management - The company has maintained stable asset quality, with the overdue rate for loans over three months decreasing to 2.43% by the end of Q2 2025 [8] - Strategic initiatives have been implemented to enhance business resilience, including upgrades to the risk control system and a focus on high-quality customer segments [8] Group 4: Technological Advancements - The company has made significant progress in smart upgrades, enhancing operational efficiency and creating a secure digital ecosystem [9] - The upgraded "Hummingbird" 2.0 platform has improved risk identification accuracy and response efficiency [9] - AI-generated code now accounts for 25% of the company's programming efforts, boosting productivity and code quality [9] Group 5: Strategic Investments and Future Growth - The company has strategically invested in EXIO Group, a licensed virtual asset trading platform, which will help integrate traditional finance with Web 3.0 [10] - The current valuation is at a historical low, with a dynamic P/E ratio around 3, and a dividend yield of 5.8%, indicating significant growth potential [11][12] - The company is expanding into new markets, including potential acquisitions in Portugal and Southeast Asia, which could enhance its growth trajectory [15] Group 6: Conclusion - The combination of the FinTech sector's beta effect and the company's alpha momentum positions it as a valuable investment opportunity, with the recent interim financial report likely to trigger the convergence of the three expectation gaps [17]

Core Viewpoint - Rural commercial banks are focusing on supporting agriculture and small enterprises as a core strategy to enhance their main business and promote regional economic development [1][2]. Group 1: Industry Overview - Rural commercial banks are the main force in rural financial services, leveraging their geographical advantages to support agriculture and small enterprises [2]. - The competition in the rural financial market is intensifying, with large banks using their funding and low-interest rates to attract quality clients, posing challenges for rural commercial banks [2]. - Internal challenges such as risk control, corporate governance, and digitalization create significant hurdles for rural commercial banks compared to larger state-owned and joint-stock banks [2]. Group 2: Strategic Focus - Rural commercial banks must adhere to their commitment to support agriculture and small enterprises, returning to the essence of serving the real economy [2][4]. - There is an urgent need for rural commercial banks to address their weaknesses and seize opportunities arising from industry changes [2]. Group 3: Digitalization and Innovation - Digitalization presents an opportunity for rural commercial banks to enhance their services, particularly in mobile payments and scenario-based finance [3]. - By leveraging digital finance, rural commercial banks can address issues such as information asymmetry and collateral evaluation challenges, improving their lending capabilities [3]. - Rural commercial banks should focus on internal improvements while also innovating their organizational structures to adapt quickly to market changes [3]. Group 4: Long-term Commitment - Supporting agriculture and small enterprises is a long-term commitment that requires consistent effort and resilience from rural commercial banks [4]. - To achieve sustainable growth, rural commercial banks should consolidate their advantages, refine their services, and drive operational transformation [4].

Group 1 - Shanghai Chengxiang Metal Products Co., Ltd. received a 2 million yuan entrepreneurial guarantee loan from Agricultural Bank of China, alleviating its financial pressure during business expansion [2] - The entrepreneurial guarantee loan is supported by the Shanghai Financing Guarantee Center, which provides policy guarantees and waives guarantee fees, allowing companies to enjoy fiscal interest subsidies after normal repayment [2] - A small enterprise focused on rare disease drug research benefited from the entrepreneurial guarantee loan since 2020, evolving into a high-tech enterprise in Shanghai [2] Group 2 - Shanghai certain laser technology company faced exchange rate risks due to importing precision components from Germany and received a tailored foreign exchange risk hedging solution from Industrial and Commercial Bank of China [3] - The solution allowed the company to lock in a six-month forward exchange rate without any guarantee deposit, saving nearly 300,000 yuan in costs [3] - Bank of China Shanghai Branch launched a "trade finance special batch loan" to meet the seasonal liquidity needs of an import-export company, providing a comprehensive financial service solution [3] Group 3 - A clothing manufacturing small enterprise utilized the "Smart Loan e-loan" product, which allows for a fully digital application process, significantly reducing financing anxiety [4] - The product employs a collaborative model of "digital + finance + guarantee," enabling intelligent credit assessment and self-service withdrawals [4] - The maximum online revolving guarantee limit can reach 5 million yuan, ensuring efficient use of the guarantee fund pool and establishing a comprehensive risk monitoring system [4] Group 4 - Shanghai Pudong Development Bank launched the "Science Guarantee Loan" online batch guarantee service for technology small enterprises, providing a fully online process for credit guarantee loans [5] - The service enabled a technology service company to secure a 2 million yuan loan on the same day through online application and signing, addressing financing challenges and reducing costs [5]