本报（chinatimes.net.cn）记者陶炜 南京报道 9月11日，人民银行江苏省分行召开新闻发布会，人民银行江苏省分行会同江苏省委金融办、江苏金融 监管局、江苏证监局等部门联合出台《扎实做好金融"五篇大文章"助力江苏经济高质量发展行动方案》 （下称"行动方案"），围绕五大专项行动，提出20条具体措施，因地制宜做好江苏金融"五篇大文章"， 助力江苏经济高质量发展。 《华夏时报》记者从采访中了解到，行动方案中多项措施为全国率先提出。例如，行动方案提出要加大 对全国高校区域技术转移转化中心（江苏）建设和发展的金融支持，构建完善"概念验证+拨投结合+基 金支持+信贷服务"的科技创新全链条支持机制。而与这条措施对应的，则是江苏省在教育部支持下建 设的全国首个高校区域技术转移转化中心，"江苏在很多措施上都是有自己特色的。"人民银行江苏省分 行信贷政策管理处处长李军对《华夏时报》记者说。 "五篇大文章"，五个专项行动 实际上，这些专项行动已经是进行时。例如，江苏省委金融办会同省有关部门在江苏省综合金融服务平 台中先后开发建设人才金融、绿色金融、蓝色金融、乡村振兴金融等多个子板块和省普惠金融发展风险 补偿基金专板，归 ...

此次展台以"数智金融"为脉络，深度融合数字科技与现代金融元素，展示了建行积极拥抱数字变革，将 人工智能、大数据等前沿科技深度融入业务全链条，以科技之力提升金融服务的广度、精度，为高质量 发展注入澎湃动能。 9月10日至14日， 2025年中国国际服务贸易交易会（以下简称"服贸会"）在北京首钢园区开幕。中国建 设银行以"数智建行，共筑服务新生态"为主题，将展区打造成了可触、可感、可玩的数字金融体验空 间，科技感十足的互动体验背后，是建行服务实体经济的生动印证，展示了在建设金融强国、坚守"金 融为民"初心、服务实体经济等方面的新成果。 数智融合赋能新范式 科技金融展区展示了建行以"五维一体"科技金融体系，引导金融资源向科技创新领域集聚，切实提升科 技金融服务质效，推动实现高水平科技自立自强。绿色金融展区展现了建行在绿色信贷、ESG风险管理 等领域的创新实践。建行积极助力"绿色北京"战略，结合首都产业发展特点，着力支持重点行业和领域 节能、减污、降碳、增绿、防灾，为金融强国建设贡献绿色发展动能。 "您看，只需几分钟，企业主就能通过'惠懂你'APP获得初步授信额度。"在建行普惠金融展区，工作人 员正向参观者演示着4. ...

Core Viewpoint - The China Construction Bank (CCB) showcased its commitment to digital finance and service innovation at the 2025 China International Fair for Trade in Services, emphasizing its role in supporting the real economy and contributing to the construction of a financial powerhouse [1][11]. Digital Finance Integration - CCB's exhibition highlighted the integration of digital technology and modern finance, showcasing the use of artificial intelligence and big data to enhance financial services and drive high-quality development [2][11]. - The "Smart Finance" theme was central to the exhibition, demonstrating CCB's efforts to embrace digital transformation and improve service efficiency [2]. Technological and Green Finance Initiatives - CCB presented its "Five-Dimensional Integrated" technology finance system, aimed at directing financial resources towards technological innovation and enhancing service quality [3]. - The green finance section illustrated CCB's initiatives in green credit and ESG risk management, supporting the "Green Beijing" strategy and contributing to sustainable development [3][8]. Inclusive Financial Services - The "Hui Dong Ni" APP allows small business owners to obtain preliminary credit limits quickly, addressing the financing challenges faced by small enterprises [3]. - CCB's pension finance service system, branded as "Jian Yang An," offers comprehensive services including account management and investment, supporting the aging economy [3][4]. Urban Renewal and Financial Support - CCB has actively participated in urban renewal projects in Beijing, providing over 800 billion yuan in loans to support more than 200 projects, achieving a market share exceeding 40% in this sector [9][10]. - The bank has established a green branch in accordance with carbon reduction standards, furthering its commitment to sustainable finance [8]. Financial Education and Digital Currency - CCB introduced a digital education platform utilizing 3D, VR, and AI technologies to enhance public financial literacy and risk awareness [11]. - The bank also facilitated the opening of digital RMB wallets at the fair, promoting the use of digital currency through various consumer incentives [11].

Group 1 - The core viewpoint emphasizes the importance of public funds adhering to political and people-oriented financial work while enhancing investment and risk management capabilities to create substantial long-term returns for investors [1] - The company is committed to serving the real economy, improving the quality and efficiency of financial services, and focusing on major national strategic needs [1][2] - The company aims to strengthen investment research and management capabilities while ensuring investor long-term returns through a core philosophy of fiduciary responsibility [1] Group 2 - In the field of technology finance, the company has developed a big data-based intelligent investment research and risk control platform to enhance decision-making and risk management efficiency [2] - The company has established an ESG investment research system to incorporate environmental risks and corporate governance into investment decision-making [2] - The company has launched smart beta index strategy products to identify high-quality investment opportunities aligned with the green transition [2] Group 3 - In the area of pension finance, the company has developed pension fund of funds (FOF) products and organized educational initiatives to enhance pension investment awareness [3] - The company is focusing on the silver economy by investing in the domestic innovative pharmaceutical industry and has two products included in the personal pension product catalog [3] - The company emphasizes investor protection and long-term asset allocation to enhance the experience of pension investors [3] Group 4 - In the realm of inclusive finance, the company has created a diverse fixed-income product line to connect government bonds with residents, promoting inclusive financial services [3] - The company actively conducts online and offline educational activities to improve investor knowledge and satisfaction [3] - The company supports rural revitalization strategies through initiatives like educational donations in revolutionary areas [3] Group 5 - In digital finance, the company leads investment opportunities through technological innovation and has launched the first domestic digital economy-themed ETF product [3] - The company is promoting digital transformation across its governance and operations to enhance service quality [3] - The company plans to focus on long-term strategic perspectives and comprehensive planning for high-quality development [4]

Core Viewpoint - The People's Bank of China Jiangsu Branch has released an action plan aimed at enhancing financial support for high-quality economic development in Jiangsu by 2027, focusing on five key areas of financial innovation and support [1] Group 1: Action Plan Overview - The action plan outlines five major initiatives: technology financial innovation, green finance enhancement, inclusive finance expansion, pension finance support, and digital finance empowerment, with 21 specific measures to improve financial support's effectiveness and sustainability [1][2] - The plan emphasizes the need for collaboration between financial policies and industrial policies, advocating for a systematic approach to implementation [1] Group 2: Technology Financial Innovation - Technology finance is prioritized in the action plan, with a focus on supporting major national technology tasks and technology-based enterprises through enhanced financial services [2] - Specific measures include the implementation of a "special guarantee plan for supporting technological innovation," and the promotion of a comprehensive support mechanism combining equity, loans, and funds [2] - The plan aims to improve the adaptability of financial products and services for technology enterprises, addressing their unique risk profiles and funding needs [2] Group 3: Pilot Programs and Reforms - Jiangsu has initiated several pilot programs in technology finance, achieving notable results, such as increasing the loan-to-acquisition price ratio for technology enterprise mergers from 60% to 80% and extending loan terms from 7 to 10 years [3] - These reforms are designed to facilitate industry consolidation, particularly for leading enterprises in the technology sector [3]

Core Viewpoint - Shanghai Rural Commercial Bank demonstrates resilience in its operations by focusing on "stabilizing scale, improving efficiency, and controlling risks" in its 2025 semi-annual report, showcasing its commitment to high-quality development while serving the real economy [2][4]. Group 1: Financial Performance - As of June 30, 2025, the bank's total assets reached 15,494.19 billion, a 4.14% increase from the end of the previous year, with loans and advances totaling 7,741.64 billion, up 2.51% [4]. - The bank's net profit attributable to shareholders was 70.13 billion, reflecting a 6.69% year-on-year growth, while non-interest income reached 38.19 billion, a 2.19% increase, accounting for 28.41% of total revenue [4][5]. - The average deposit interest rate decreased to 1.57%, down 26 basis points year-on-year, exceeding the previous year's reduction [5]. Group 2: Asset Quality - The non-performing loan ratio stood at 0.97%, consistently maintained below 1% since its listing, with a provision coverage ratio of 336.55%, significantly above the regulatory benchmark of 250% [5][6]. Group 3: Strategic Focus - The bank aims to create value through a three-dimensional service system, focusing on functional, exclusive, and emotional values to enhance customer service and expand its service boundaries [7][8]. - In the area of inclusive finance, the bank reported a balance of 91.347 billion in small and micro loans, a 5.47% increase, and 65.068 billion in agricultural loans, maintaining industry leadership [8]. Group 4: Shareholder Returns - The bank announced a mid-year cash dividend of 2.41 yuan per 10 shares, totaling 23.24 billion, with a dividend payout ratio of 33.14%, reflecting a 7 basis point increase from the previous year [11]. - Since its listing in 2021, the bank has consistently maintained a cash dividend ratio above 30% of its net profit, indicating strong profitability and commitment to shareholder returns [11]. Group 5: Future Outlook - The bank plans to continue its strategy of being a service-oriented bank that creates value for customers, aiming to enhance its contributions to the real economy and deepen its specialized operations [12].

作为本届服贸会全球合作伙伴和指定保险服务商，中国太保（601601）迎来第六年护航之旅。 本届服贸会以"数智领航，服贸焕新"为主题，作为综合性保险集团，中国太保正通过科技硬核能力提升 与场景价值转化"双轮驱动"，实现从"风险承担者"向"风险管理者"乃至"社会美好生活守护者"的战略升 级。 数字化转型绝非技术的简单堆砌，其核心在于对数据这一新型生产要素的掌控与运用能力。中国太保深 耕数智化转型，发挥大数据治理体系优势，通过金融与数字技术的有机融合，拓展并加快推进数字化劳 动力等场景化应用。例如，中国太保旗下中国太保寿险基于对客户经营的深刻理解，构建多智能体协同 支撑体系，并在此基础上推出智能客服经理助理，提供全链路客户经营智能辅助，使触达转化率提升 1.9倍。 走进本届服贸会金融服务专题展区，数字技术与保险服务的融合场景随处可见。参会者围着"太保碳普 惠"屏扫码赢碳中和证书，在中国人寿（601628）投屏前感叹"手机保险服务真快"，驻足中国人保 （601319）的科技保险展板前了解现代保险的"硬核实力"……参会者直观感受到保险业数字化转型的鲜 活成果。 中国人寿展台的"智护无界"投屏体验区吸引了众多目光，观众模 ...

Core Viewpoint - The China International Fair for Trade in Services (CIFTIS) serves as a significant platform for international service trade, showcasing the role of the Postal Savings Bank of China (PSBC) Beijing Branch in supporting the capital's economic development and promoting financial services innovation [1][2]. Group 1: Financial Services and Strategic Development - The PSBC Beijing Branch has established a comprehensive financial service network with 573 outlets, focusing on serving agriculture, rural residents, and small and medium enterprises [2]. - The bank has actively participated in the construction of the Beijing Urban Sub-center, providing tailored financial services to support local enterprises and projects, with a loan balance of 57.811 billion yuan and new loans of 9.535 billion yuan in 2025 [2]. Group 2: Recognition and Social Responsibility - In 2025, the PSBC Beijing Branch was awarded the title of "National Civilized Unit," recognizing its contributions to social responsibility and service quality [3]. - The bank has engaged in legislative processes for local regulations, demonstrating its commitment to supporting national strategies and local development [3]. Group 3: Technological Innovation in Financial Services - The PSBC Beijing Branch has embraced digital transformation, implementing innovative technologies such as video mobile banking and AI-driven platforms to enhance service efficiency [4][5]. - The bank has created interactive technology zones at CIFTIS, allowing visitors to experience various financial technologies, including 3D modeling and voice recognition [5]. Group 4: Green Finance Initiatives - The PSBC Beijing Branch has integrated green development principles into its financial services, establishing a green finance service system and launching products that offer credit incentives based on companies' emission reduction performance [7]. - The bank actively promotes green finance through collaborations and community engagement, including hosting events to raise awareness about biodiversity and sustainable practices [7]. Group 5: Inclusive Finance and Community Support - The PSBC Beijing Branch focuses on inclusive finance, providing tailored financial products for small businesses and rural areas, including specialized loans for agricultural products [8][9]. - During natural disasters, the bank has demonstrated its commitment to social responsibility by providing rapid loan approvals and support for affected communities [9]. Group 6: Elderly Financial Services - The PSBC Beijing Branch has developed a range of services for the elderly, including community engagement activities and personalized financial support, serving over 1.27 million pension clients [10][11]. - The bank promotes the use of social security cards and personal pension accounts to enhance the financial security of elderly clients [11]. Group 7: Digital Financial Services - The PSBC Beijing Branch has launched a Harmony ecosystem bank, enabling seamless service across devices and enhancing customer convenience [12]. - The bank's cloud service model allows for efficient transaction processing, with an average of 1,500 daily transactions, significantly improving operational efficiency [12]. Group 8: CIFTIS Participation and Future Outlook - The PSBC Beijing Branch's participation in CIFTIS highlights its innovative capabilities across various financial sectors, contributing to the high-quality development of the capital's economy [13]. - The bank aims to continue its commitment to innovation and customer service excellence in the evolving financial landscape [13].

Core Viewpoint - The article emphasizes the role of the securities industry in supporting national strategies and high-quality development through innovation and reform, particularly in the context of the "Five Major Financial Articles" initiative [2][3]. Group 1: Company Strategy and Development - Dongxing Securities is committed to integrating the "Five Major Financial Articles" into its long-term strategic development, focusing on enhancing organizational management and internal reforms to boost core competitiveness [2]. - The company aims to innovate financial service models while adhering to regulatory standards, thereby solidifying its foundation for stable growth and actively participating in capital market reforms [2][3]. Group 2: Focus on Technology Finance - The implementation of policies related to the "Five Major Financial Articles" has provided a framework for securities firms to deepen their main business transformation and improve service efficiency [3]. - Dongxing Securities has actively participated in the issuance of technology innovation bonds, successfully issuing a 1.80% coupon rate bond worth 1 billion yuan, which was oversubscribed by 3.94 times [3][4]. - The company has focused its investment banking efforts on high-tech enterprises in strategic emerging industries, supporting sectors such as intelligent manufacturing, new energy, and biomedicine through IPOs and equity financing [3][4]. Group 3: Long-term Support for Technology Enterprises - Over the past five years, Dongxing Securities has assisted 35 enterprises in achieving IPOs, raising a total of 29 billion yuan, ranking 17th in the industry for fundraising scale [4]. - The company has provided comprehensive financial services throughout the lifecycle of technology enterprises, exemplified by its support for Xianhui Technology in various capital operations [5][6]. Group 4: Commitment to Green and Inclusive Finance - Dongxing Securities has successfully issued green bonds and asset-backed securities to support environmental and clean energy projects, including a 400 million yuan green ABS aimed at directing funds towards green industries [7]. - The company has also engaged in inclusive finance initiatives, issuing 1.344 billion yuan in bonds to support rural revitalization in underdeveloped regions [7][8]. Group 5: Innovation in Pension and Digital Finance - Dongxing Securities has developed innovative financial products tailored to different age groups and financial situations to meet the diverse needs of pension planning [8]. - The company is advancing its digital finance strategy by integrating AI and data-driven applications to enhance its service offerings [8].

Group 1 - The core viewpoint emphasizes the need for financial and real economy symbiosis, with the "Five Major Articles" being essential for addressing economic transformation challenges and promoting new productive forces in Jiangsu [1] - The People's Bank of China Jiangsu Branch introduced the "Action Plan for Solidly Promoting the Five Major Articles of Finance to Support High-Quality Economic Development in Jiangsu," outlining implementation paths and expected significant achievements by 2027 [1][2] - The plan aims to enhance financing accessibility and the adaptability of financial products to meet supply and demand in key areas and weak links [1][2] Group 2 - The plan includes 21 specific measures to strengthen financial support, focusing on technology finance innovation, green finance enhancement, inclusive finance expansion, pension finance support, and digital finance empowerment [2] - Specific initiatives include a special guarantee plan for supporting technological innovation, exploring commercial medical insurance forms, and applying quantum-resistant technology for secure data sharing [2][3] Group 3 - Technology finance is prioritized, with a focus on supporting major national technology tasks and technology-based enterprises through a comprehensive support mechanism [3] - The plan emphasizes enhancing the adaptability of financial products and services for technology enterprises, promoting loan linkage, and establishing a technology finance alliance [3] Group 4 - The plan encourages financial institutions to innovate transformation financial products with incentive mechanisms linked to enterprise transformation outcomes, exemplified by a loan to Jiangsu Xingyang Shipbuilding Equipment Manufacturing Co., Ltd. [4] - Jiangsu has established a "Transformation Financing Subject Library" to promote eligible enterprises and projects, with over 2 billion yuan in transformation financial loans already disbursed [4][5] Group 5 - The plan also focuses on improving financial services for people's livelihoods, including establishing financial service centers for private enterprises and enhancing credit support for agriculture and rural infrastructure [5] - By the end of August, the comprehensive financial service platform in Jiangsu had over 201,000 registered users and facilitated credit access for 485,300 small and micro enterprises, amounting to 6.49 trillion yuan [5]