赵女士 15129261397 李女士 18801022580 本次活动共征集四个方向的案例，包括综合类、服务类、产品类、品牌类。案例申报通道于9月1日正式 开放（详见申报链接），每家单位最多可申报2个案例，在申报时需按要求填写相关介绍及申报理由。 申报时间为2025年9月1日至10月17日。 申报咨询： （原标题：21世纪金融竞争力优秀案例（2025年）启动申报） 2025年是"十四五"规划收官之年。近年来，我国坚定不移走中国特色金融发展之路，不断推动金融高质 量发展。随着科技金融、绿色金融、普惠金融、养老金融、数字金融标准体系和基础制度的不断完善， 金融行业积极探索、谋篇布局，以实际行动不断提升金融服务的可获得性和便利度。 为了促进行业经验交流与学习，21世纪经济报道启动2025年度21世纪金融竞争力优秀案例征集活动。本 次案例征集活动将对金融机构的先进做法和优秀案例进行梳理总结，挖掘出年度优秀样本案例，将先进 实践经验转化为业务动能，推动行业健康发展。 本次案例征集将通过专家推荐、机构申报等形式公开进行，经由客观指标和主观指标共同研究确定。相 关结果将在2025年11月举办的"第二十届21世纪金融年会" ...

Core Viewpoint - The six major state-owned banks in China reported stable operating performance and improved asset quality in their 2025 mid-year reports, with a significant focus on supporting technology and other key sectors through credit allocation [1]. Group 1: Credit Allocation and Focus Areas - The six major banks' credit resources are primarily directed towards supporting the "five major financial articles," with a notable emphasis on technology-related sectors [2]. - China Construction Bank (CCB) reported a loan growth of 1.6 trillion yuan in the first half of the year, with technology loans reaching a balance of 5.15 trillion yuan, marking a 16.81% increase from the previous year [2]. - China Bank (BOC) highlighted technology finance as a strategic priority, with technology loans exceeding 30% of corporate loan balances, leading the industry in supporting small and specialized enterprises [2]. Group 2: Performance in Technology Finance - Agricultural Bank of China (ABC) reported a technology loan balance of 4.7 trillion yuan, with over 800 billion yuan added in the first half of the year, achieving a growth rate exceeding 20% [3]. - BOC's green loans, private enterprise loans, and manufacturing loans showed significant growth, with increases of 17.21%, 12.93%, and 12.99% respectively [3]. - CCB's green loan balance reached 5.72 trillion yuan, with a growth of 14.88%, while inclusive small and micro enterprise loans grew by 9.8% to 3.74 trillion yuan [3]. Group 3: Specific Initiatives and Results - Industrial and Commercial Bank of China (ICBC) focused on advanced manufacturing and equipment upgrades, with manufacturing loans exceeding 5.2 trillion yuan, including over 1 trillion yuan for equipment updates [3]. - Postal Savings Bank of China emphasized inclusive finance, with agricultural loans at 2.44 trillion yuan and inclusive small and micro enterprise loans at 1.72 trillion yuan, leading among state-owned banks [4]. - The bank's green loan balance reached 958.639 billion yuan, growing by 11.59%, outpacing the overall loan growth rate [4].

Core Insights - The six major state-owned banks in China reported stable operational performance and improved asset quality in their 2025 semi-annual reports [1] Group 1: Credit Allocation - The six major banks focused their credit resources on key areas aligned with the financial "five major articles," with significant support directed towards the technology sector [2] - China Construction Bank (CCB) reported a loan growth of 1.6 trillion yuan in the first half of the year, with a technology loan balance reaching 5.15 trillion yuan, a year-on-year increase of 16.81% [3] - China Bank's total loans and advances reached 23.05 trillion yuan, with a 6.74% increase year-on-year, emphasizing technology finance as a strategic priority [3] - Agricultural Bank of China (ABC) reported a technology loan balance of 4.7 trillion yuan, with over 800 billion yuan added in the first half, marking a growth rate exceeding 20% [4] Group 2: Credit Structure Optimization - The credit structure of the six major banks continued to optimize, with significant support for green loans, private enterprise loans, and manufacturing loans, which grew by 17.21%, 12.93%, and 12.99% respectively [5] - CCB's green loan balance reached 5.72 trillion yuan, with a growth of 14.88%, while inclusive small and micro enterprise loans increased by 9.8% [5] - Postal Savings Bank focused on inclusive finance, reporting an agricultural loan balance of 2.44 trillion yuan and inclusive small and micro enterprise loans of 1.72 trillion yuan, both leading among state-owned banks [6] Group 3: Net Interest Margin Management - Despite substantial profit scales, the overall net profit growth rate has slowed, posing a common challenge for the industry [7] - The net interest margin (NIM) has generally narrowed due to factors such as the continuous decline in LPR rates and adjustments in existing mortgage rates [8] - Banks are implementing various measures to stabilize NIM, including enhancing deposit and loan pricing management and expanding non-interest income [8] - CCB's NIM was reported at 1.70%, maintaining a strong level, with expectations for stabilization in the second half of the year [8]

除了大力布局和发展科技金融，半年报显示，六大行信贷结构持续优化，其他重点领域和薄弱环节 也受到资金重点支持。 例如，上半年，中行绿色贷款、民营企业贷款和制造业贷款表现突出，较上年末分别增长 17.21%、12.93%和12.99%。 国有六大行2025年半年报披露完毕。梳理半年报数据可以看出，上半年，工行、农行、中行、建 行、交行和邮储银行经营效益总体稳健，资产质量持续改善。 市场普遍关注，上半年六大行信贷主要投向哪些领域？ 数据显示，六大行信贷资源紧紧围绕做好金融"五篇大文章"配置，与新质生产力相关的科技领域成 为重点支持方向，投放力度显著提升。 "今年上半年，建设银行积极支持经济转型升级，实现了贷款平稳增长、均衡投放。"建行行长张毅 在2025年中期业绩发布会上介绍，上半年建行贷款增长1.6万亿元，有效保持了对实体经济的支持力 度。其中，科技金融方面表现突出。截至6月末，建行科技贷款余额达5.15万亿元，较上年末增长 16.81%。上半年，建行新增科技贷款7417亿元，科技贷款余额占全部贷款的18%以上，服务科技型企业 超30万家。 科技金融同样是中行上半年信贷布局的战略重点。业绩发布会上，中国银行行长张 ...

Core Viewpoint - Weihai Bank focuses on enhancing financial service quality and efficiency while promoting social value creation alongside economic growth [1] Group 1: Green Finance - The bank established a dedicated Green Finance Department to conduct in-depth industry research and promote distinctive green finance development [1] Group 2: Inclusive Finance - Weihai Bank is exploring a "batch, scenario, and grid" service model to improve the coverage and precision of financial services, benchmarking against industry leaders [1] Group 3: Technology Finance - A Technology Finance Department was set up at the head office to innovate "investment-loan linkage" business scenarios and accelerate the exploration of new technology finance development models [1] Group 4: Digital Finance - The bank initiated the second phase of its digital transformation project to enhance digital marketing capabilities and intelligent risk control levels [1] Group 5: Pension Finance - Weihai Bank is enhancing its service capabilities for the elderly demographic to meet the growing financial service needs of this group [1] Group 6: Strategic Deployment - The bank is committed to deepening its strategic deployment of the "Five Major Articles" while ensuring steady performance growth, aligning its growth with social value creation [1]

Group 1: Financial Support for Innovation - Shanghai Rural Commercial Bank has played a crucial role in supporting technology innovation, particularly in the fields of integrated circuits, biomedicine, and artificial intelligence, by developing a financial system that meets the diverse needs of different industries and stages of development [1][2] - The bank has introduced a loan scheme based on "technology milestones" to address the high costs and risks associated with biopharmaceutical innovation, allowing for funding that aligns with the progress of core projects and financing needs [2][3] - The bank's innovative financial solutions have enabled related pharmaceutical companies to secure funding and achieve significant milestones, such as being recognized among the "2024 Shanghai Most Investable Startups" [3] Group 2: Green Finance Initiatives - The bank is actively promoting green finance as a means to achieve the "dual carbon" goals, with initiatives that include the first market-based knowledge property securitization and customized financial products for various industries [4][7] - The bank has launched a green finance brand "Green Xin Tong Zhou" and aims to exceed 100 billion yuan in green financial assets by mid-2025, positioning itself as a leader in green finance within the Yangtze River Delta [7] Group 3: Elderly Care Financial Solutions - With a significant portion of Shanghai's population being elderly, the bank has developed financial products and services tailored to the needs of the aging population, including a regulatory model for prepayment in elderly care institutions [8][9] - The bank has established a comprehensive service brand for elderly finance, focusing on pension finance, elderly service finance, and elderly industry finance, with plans to expand its pension service network significantly by 2025 [9][10] - The "Heart Home" public service project integrates various resources to meet the social and emotional needs of the elderly, enhancing their quality of life [8][10]

Core Insights - Shanghai Rural Commercial Bank has been committed to serving national strategies and urban development for 20 years, integrating value creation into its banking development DNA [1] - The bank plays a crucial role in accelerating the transformation of scientific and technological achievements into marketable products, particularly in key industries like integrated circuits, biomedicine, and artificial intelligence [2][3] - The bank has innovated a loan scheme based on "technology milestones" to support biomedicine companies, aligning loan amounts with the progress of their core projects [3][4] - The bank is actively promoting green finance to achieve "dual carbon" goals, facilitating the realization of ecological value through various financial products [5][8] - The bank is addressing the challenges of an aging population in Shanghai by providing tailored financial services for the elderly and supporting the development of private nursing homes [9][12] Group 1: Financial Innovation and Support - Shanghai Rural Commercial Bank has designed a loan scheme that matches loan usage with the progress of core projects, helping biomedicine companies secure funding [3] - The bank has established a technology finance research institute to evaluate companies based on future growth potential rather than past financial reports [4] - The bank has launched customized financial products for different industries, such as "computing loans" for AI and "clinical loans" for innovative drug companies [4] Group 2: Green Finance Initiatives - The bank has implemented the first market-based water rights pledge loan in Shanghai, encouraging companies to conserve water [8] - It has issued the first sustainable development-linked loan to an airline, incentivizing carbon emission reductions [8] - The bank's green finance asset scale is expected to exceed 100 billion yuan by June 2025, with a comprehensive green finance service platform established [8] Group 3: Aging Population and Social Responsibility - The bank is involved in the regulatory oversight of pre-paid fees for nursing homes, ensuring the financial security of elderly residents [9] - It has launched a pension financial service brand to provide comprehensive services to the elderly population, aiming to reach over 70% of the elderly in Shanghai by 2025 [12] - The "Heart Home" public service project integrates various resources to meet the social and emotional needs of the elderly, enhancing their quality of life [10][11]

Core Performance Highlights - Chengdu Bank reported a revenue of 12.27 billion yuan, a year-on-year increase of 5.91%, and a net profit attributable to shareholders of 6.62 billion yuan, up 7.29%, outperforming many regional banks [2] - Total assets increased by 122.11 billion yuan, a growth of 9.77%, while total deposits reached 983.48 billion yuan, up 11.02%, with personal deposits hitting a historical high [2] - Loan issuance totaled 834.63 billion yuan, marking a 12.40% increase, with credit resources directed towards key sectors of the real economy [2] Profit Structure Optimization - Net interest income reached 9.77 billion yuan, a 7.59% increase, driven by loan growth and asset yield optimization [3] - Non-interest income showed strong performance with investment income of 2.27 billion yuan, while core businesses like investment banking and custody services continued to grow [3] - The cost-to-income ratio improved to 23.18%, down 0.61 percentage points from the previous year, significantly lower than the industry average of 31.56% [3] Strategic Financial Initiatives - Chengdu Bank focuses on "technology finance, green finance, inclusive finance, pension finance, and digital finance" to support regional development [4] - In technology finance, the bank has developed tailored products for key manufacturing sectors, achieving over 80% coverage for specialized enterprises [4] - The green finance initiative supports projects aligned with carbon neutrality goals, enhancing the green credit system and providing low-cost funding for green projects [4] Inclusive Financial Services - The bank's "Ruyuan Huizhi" initiative actively engages with over 3,000 enterprises in industrial parks, enhancing financial service accessibility [5] - The "Huinong Loan" product promotes agricultural financing, with a loan balance growth of 23% year-on-year [6] - Chengdu Bank is enhancing services for the elderly and leveraging technology to improve financial service efficiency [6] Risk Management and Growth - Chengdu Bank maintains a low non-performing loan ratio of 0.66%, well below the national average for regional banks, with a provision coverage ratio of 452.65% [7] - The bank supports major regional projects, providing over 45 billion yuan in special credit for key infrastructure [7] - The bank's personal deposit growth reached a historical high, reflecting its strong brand influence and effective regional strategy [8]

（编辑 张昕） 在揭牌仪式上，兴业银行北京分行党委委员张楠表示："兴业银行高度重视科技金融发展，不仅在资源 配置和考核机制上给予差异化倾斜，而且大力践行总行'商行+投行'战略部署，为科技企业提供从股权 到债权、传统贷款到资本市场融资的全生命周期金融支持。未来，分行将通过'融资+融智'，联动产业 资本与财务投资人，打造科技支行特色服务生态，赋能科创企业成长壮大，推动区域产业升级。" 此次第二批科技支行的揭牌，标志着兴业银行北京分行在加速落实总行科技金融领域战略部署上迈出坚 实步伐。未来，兴业银行北京分行将以科技支行为抓手，构建覆盖企业全生命周期的金融服务体系，不 断为首都科技企业的自主创新和区域产业的转型升级注入强劲动力。 本报讯 （记者吕东）为持续助力首都高质量发展、推动科技金融高标准建设，2025年8月28日至29日， 兴业银行北京分行第二批3家科技支行在京揭牌。 此次揭牌的三家科技支行分别为西城支行营业部、月坛支行、大兴支行。至此，兴业银行北京分行科技 支行总数已达7家，覆盖核心城区及重点产业聚集区，为科技企业提供更具针对性和专业化的全方位金 融服务。 ...

Core Viewpoint - The company shows signs of recovery with positive growth in revenue and net profit in Q2 2025, driven by stable scale growth and an increase in non-interest income [1][3] Group 1: Financial Performance - In H1 2025, the company's revenue decreased by 3.4% year-on-year, but the non-recurring revenue increased by 0.38% [1] - The net profit attributable to shareholders increased by 0.6% year-on-year, showing improvement from Q1 [1] - The annualized weighted average ROE was 11.11%, down by 0.78 percentage points year-on-year [1] - In Q2, revenue and net profit grew by 0.76% and 0.86% year-on-year, respectively, indicating a gradual improvement in performance [1] Group 2: Interest Income and Loan Growth - The company's net interest income decreased by 5.45% year-on-year, but the decline has narrowed [2] - The net interest margin (NIM) was 1.39%, down by 11 basis points from the beginning of the year [2] - Total loans increased by 2.51% year-to-date, with corporate loans being the main growth driver, up by 5.12% [2] - Retail loans decreased by 1.69% year-to-date, with mortgage loans showing a positive growth of 1.89% [2] Group 3: Non-Interest Income and Asset Quality - Non-interest income increased by 2.19% year-on-year, with a positive growth trend in Q1 [3] - Investment income surged by 44.63%, contributing significantly to the non-interest income growth [3] - The non-performing loan (NPL) ratio was stable at 0.97% as of June, with a decrease in corporate NPLs [3] - The company maintained a strong provision coverage ratio of 336.55%, indicating sufficient risk mitigation capacity [3] Group 4: Strategic Positioning and Shareholder Returns - The company has a strong presence in Shanghai, leveraging its regional advantages [4] - The company is focusing on enhancing shareholder returns, with a mid-year dividend payout ratio of 33.14%, an increase from the previous year [4] - The company is expected to maintain a solid asset quality and risk mitigation capability while transitioning towards retail finance and light capital models [4]