北航MBA校友会副会长王明帮致辞 2025年7月19日下午，以"科创强国 金融向善"为主题的"2025年GPLP犀牛财经"年会在北京市海淀区首享科技大厦举行。此次会议由国内领先财经媒体GPLP 犀牛财经和林澤资本主办，多位知名投资人、创业者、企业高管受邀参与了本届峰会。 这次活动以"科创强国 金融向善"为主题，旨在和众多与会人士一道，共同探讨在当前投资锚定科技创新核心赛道的大背景下，企业如何通过投资探索出兼 具社会价值与商业可持续性的路径。 在峰会上，北航MBA校友会副会长王明帮为与会嘉宾致辞。 "中国老龄化发展现状及投资机会"对话 峰会期间，全国老龄委专家委员、中国老龄产业协会专职驻会副秘书长、科技委主任王永春和中国生产力促进中心协会特色产业专委会副主任刘福林之间， 展开了一场围绕"中国老龄化发展现状及投资机会"的对话。 王永春提到了中国老龄化产业的发展现状，并结合刘福林提及的在生命科学、康复机器人、脑科学等方面的项目经验，进行了观点交流，并在不少方面获得 了宝贵共识。 北京专精特新企业商会副会长郭海涛进行演讲 之后，北京专精特新企业商会副会长郭海涛进行了"专精特新的力量"的主题演讲。郭海涛在演讲中通过自身 ...

Core Viewpoint - The resignation of Lu Jianqiang as Chairman of Zhejiang Commercial Bank marks a significant leadership change for the bank, which has been exploring its "finance for good" strategy for three years, indicating a potential turning point for the institution [2][4]. Group 1: Leadership Change - Lu Jianqiang resigned due to reaching retirement age, having served as Chairman for approximately three and a half years [2]. - Chen Haiqiang, the current Executive Director and President, will temporarily assume the role of Chairman until a new appointment is made [4][6]. - Lu's tenure saw the bank's total assets reach 3.33 trillion yuan by the end of 2024, with revenue and net profit showing steady growth [2]. Group 2: Financial Performance - From 2022 to 2024, Zhejiang Commercial Bank's revenue increased from approximately 61 billion yuan to 67.6 billion yuan, while net profit rose from about 13.6 billion yuan to 15.1 billion yuan [2]. - However, in Q1 2025, the bank experienced a 7.07% year-on-year decline in revenue, with net profit only slightly increasing by 0.61% [3]. Group 3: Strategic Focus - Lu Jianqiang introduced the "finance for good" concept, emphasizing a socially responsible approach to banking, which includes creating a community of shared interests and responsibilities [4]. - The "finance for good" strategy is supported by six pillars, including a financial advisory system and comprehensive financial ecosystem development in rural areas, which has already served over 100,000 enterprises [4]. Group 4: Regulatory Challenges - In 2025, the bank faced approximately 19 million yuan in fines from regulatory bodies, highlighting compliance issues [3]. - The bank's recent performance and regulatory challenges suggest a need for improved governance and operational compliance [3][7]. Group 5: Future Outlook - The future leadership of Zhejiang Commercial Bank remains uncertain, with speculation about whether the next leader will be an internal promotion or an external appointment [6]. - The continuation and practical implementation of Lu's "finance for good" strategy will be a critical challenge for the incoming leadership, especially in balancing social value with shareholder returns [7].

Core Viewpoint - Zhejiang Merchants Bank Hefei Branch focuses on a people-centered development approach, implementing a "finance for good" service philosophy to address the urgent needs of the public through innovative financial services and community engagement [1] Group 1: Financial Services Optimization - The branch has launched multiple "age-friendly financial services," including dedicated service windows for the elderly, one-on-one service specialists, and home services for those with mobility issues, significantly improving service for elderly clients [2] - Service processes have been optimized with simplified account opening procedures, multilingual service personnel, and a paperless account opening initiative, enhancing the experience for foreign clients [2] - The introduction of standardized and customized "small change bag" products facilitates cash exchange for the public and merchants, reducing wait times and improving cash payment environments [2] Group 2: Community Engagement and Welfare Activities - The branch enriches financial literacy initiatives targeting key demographics such as the elderly, youth, and new citizens through community activities like dance classes and financial education [3] - Annual targeted poverty alleviation efforts are conducted in rural areas, supporting local economic development and educational initiatives through partnerships with schools [3] Group 3: Innovative Financial Products - The branch is developing a brand for science and technology financial services, offering 16 types of financial products tailored to the needs of tech enterprises, including "Talent Support Loan" and "Innovation Incentive Loan" [4] - A successful credit issuance of 3 million yuan was made to Anhui Jiansheng Biotechnology Co., Ltd. through the "Innovation Bank Loan" model, addressing the funding challenges faced by knowledge-intensive enterprises [4] - The bank aims to continue innovating service models and enhancing public welfare to improve the overall sense of gain, happiness, and security for the community [4]

Group 1 - The report provides a comprehensive review and summary of Xi Jinping's exploration of the path of financial development with Chinese characteristics, highlighting its practical experiences and global significance [1][2] - It is divided into three parts: the theoretical origins and distinct characteristics of the path of financial development with Chinese characteristics, the source of vitality, and the enlightening experiences for the world [1] - The report emphasizes that Xi Jinping's financial discourse and practices during his tenure in Fujian are systematic, profound, and rich in results, providing a theoretical and practical foundation for the development of this financial path [1] Group 2 - The report analyzes the unique paths of the financial development with Chinese characteristics, including its service to national strategies, prevention of systemic risks, promotion of common prosperity, and empowerment of global financial governance [2] - It highlights a "financial for good" institutionalized path that integrates the advantages of party leadership with market mechanism innovations, achieving a threefold paradigm breakthrough [2] - The report suggests that when finance is effectively embedded within the national governance framework, its potential to serve common human values can be greatly unleashed [2]

Core Viewpoint - The article highlights the philanthropic efforts of Hongde Foundation in supporting education and improving living conditions for children in Tibet, particularly through donations and community engagement [1][3][4]. Group 1: Philanthropic Activities - On June 1, 2025, Hongde Foundation delivered sports outfits, backpacks, stationery, and bedding to 306 students at the Second Primary School in Angren County, Tibet [1]. - In August 2024, the foundation had previously provided winter clothing and sports equipment to students in the region, demonstrating a consistent commitment to improving educational conditions [3]. - The foundation emphasizes the importance of precise assistance by conducting thorough research on the needs of the beneficiaries, ensuring that donations are relevant and impactful [3]. Group 2: Educational Support - Hongde Foundation has been actively involved in educational support initiatives in Tibet, including the establishment of the "Dream Scholarship" to assist impoverished students in pursuing higher education [3]. - The foundation has also provided new sports equipment to schools and has made donations to welfare institutions for orphaned and disabled children, showcasing a broad commitment to educational welfare [3]. - The foundation's efforts aim to cultivate a knowledgeable and culturally aware new generation, highlighting the collective responsibility of society in fostering education and social progress [4]. Group 3: Community Impact - The joy and smiles of the children receiving the donations reflect the positive impact of the foundation's work, illustrating the power of philanthropy in transforming lives [4]. - The foundation's initiatives not only provide material support but also inspire a sense of social responsibility and awareness among the community [4].

Core Viewpoint - The article emphasizes the need for financial institutions to rethink their operational models in light of three major changes: functional positioning, digital intelligence, and the era of existing stock. It advocates for a customer-centric "Good Standard System" to reshape credit risk control logic and promote high-quality development in the financial sector, providing a practical model for China's financial system [1]. Group 1: Challenges of Traditional Credit Risk Control Models - Traditional credit risk control models rely heavily on financial indicators and collateral guarantees, which limits their effectiveness in risk assessment. This approach often leads to a preference for clients with sufficient collateral, resulting in various limitations such as the lagging nature of financial data and the inability to adapt to market fluctuations [3]. - The reliance on static financial metrics can lead to "adverse selection" and "moral hazard," where financial institutions may lend to clients with poor credit conditions, increasing the risk of non-performing loans [3]. Group 2: Imbalance in Financial Resource Allocation - Financial institutions tend to favor clients with strong financial standings, leading to a "Pareto principle" resource allocation where a majority of financial resources are concentrated in a few sectors, neglecting the needs of small and medium-sized enterprises (SMEs) and private enterprises [5]. - This imbalance results in significant challenges for the real economy, as many SMEs face difficulties in obtaining financing, which hampers their growth and the overall transformation of the economy [5]. Group 3: Lack of a Social Value Evaluation System - The absence of a comprehensive social value evaluation system hinders financial institutions from effectively assessing clients' social contributions, which could guide resource allocation towards more socially responsible areas [6]. - Overemphasis on short-term profits can lead to financial risks and social issues, as institutions may invest in high-risk areas without considering their social responsibilities [6]. Group 4: Constructing the "Good Standard System" - To address these challenges, there is a need to reconstruct the positioning and value of finance, prioritizing functionality over profitability. This involves moving away from traditional financial metrics and developing a more holistic financial evaluation system that incorporates social value [8]. - The new system should assess clients based on their social responsibility, environmental contributions, and governance, rather than solely on financial status [10]. Group 5: Quantifying Customer Goodness Levels - The "Good Standard System" can be developed by creating a negative list for undesirable behaviors and a scoring system for positive contributions. This dual scoring approach will help categorize clients into different "goodness" levels, influencing their credit ratings and access to financial resources [11]. - Higher-rated clients may receive benefits such as relaxed credit conditions and preferential treatment, while lower-rated clients will face stricter controls and potential denial of new credit [11].

你未必光芒万丈,但始终温暖有光，近年来，上海信托在浦发银行的大力支持下，积极响应中央关于精 准扶贫、乡村振兴的决策部署，立足自身优势、发挥差异性功能特征，聚焦教育助学、医疗救助、文化 环保和乡村振兴等领域，深入开展公益慈善信托业务，打造"人民金融""惠民信托"的体系性运作、品牌 化发展新平台。 一、从"人找教育"到"教育找人"——打造"跨越千山万水"的全天候学校 教育扶贫是阻断贫困代际传递、实现可持续脱贫的根本途径，是从"输血"到"造血"的治本之策。从开展 公益慈善信托的第一天起，上海信托就将资源聚焦在最能改变困难群体命运、最能体现慈善长期主义的 教育领域。上海信托从2014年起，在上海对口援助的云南长期深耕教育扶智，累计举办16期来沪培训 班，参训校长及教师达810人次，覆盖云南16个市、州，对所辖二级区/县的覆盖率接近70%，并成功辐 射带动了公司客户海亮教育集团的爱心资金共同设立慈善信托。 三、从"产业兴旺"到"治理有效"——打造"乡村治理领头雁" 乡村干部是乡村振兴的一线指挥官和政策落地执行者，其能力素质直接关系乡村发展的质量与可持续 性。乡村产业资源的导入，需要有良好的干事创业生态和过硬的干部人才队 ...

Group 1 - The core initiative of the company is to support the health and safety education of children in rural areas through collaboration with the Beijing Zhongyi Public Welfare Foundation, providing courses on "Girl Protection" and "Embracing Adolescence" [1][5] - On April 10, the company and the foundation delivered health education courses at Anyue Nuli Nine-Year System School in Chengdu, donating 255 health protection packages to students from grades 1 to 8 [1][3] - The company has been actively involved in the "Girl Protection" project since 2019, conducting 732 classes across over 20 provinces, reaching 35,135 students and over 10,000 parents [5] Group 2 - The volunteer team from the company participated in the "Caring for Our Bodies" course, emphasizing the importance of body awareness and safety among children [3] - The company’s social responsibility practice is encapsulated in the "Financial for Good" philosophy, aiming to explore sustainable development paths and enhance social welfare [5] - Since the establishment of the "Heart to Heart" public welfare program in 2017, the company has focused on contributing positively to economic, social, educational, and environmental aspects as part of its corporate citizenship responsibility [5]

Core Viewpoint - The company emphasizes its commitment to sustainable development and social responsibility, aligning with national strategies and policies to enhance its role in the financial sector [1][3]. Group 1: Corporate Governance and Compliance - The company prioritizes compliance as a vital aspect of its operations, adhering strictly to national laws and regulations while enhancing its governance structure [4]. - In 2024, the company implemented a comprehensive approach to risk management, focusing on compliance and operational integrity to ensure stable growth [4]. Group 2: Sustainable Development Initiatives - The company actively supports national strategies, particularly in the "dual carbon" initiative, by launching various green financial products to facilitate economic and social transformation [3]. - The company has signed partnership agreements with six former national-level poverty-stricken counties to aid rural revitalization through a multifaceted support model [3]. Group 3: Technological Advancement - The company is committed to digital transformation, integrating technology into its financial services to enhance efficiency and reduce operational costs [5]. - In 2024, the company launched a new generation trading system, significantly improving transaction performance and customer experience [5]. Group 4: Talent Development - The company views talent as its most valuable asset, focusing on attracting and nurturing skilled professionals to drive its growth [6]. - In 2024, the company enhanced its talent acquisition and internal training programs, providing employees with ample opportunities for career development [6]. Group 5: Social Responsibility and Community Engagement - Since the launch of the "Lianchuang Heart-to-Heart" public welfare program in 2017, the company has been dedicated to improving education and welfare for children in impoverished areas [7]. - In 2024, the company conducted 893 investor education activities, reaching a total of 334,962 participants, promoting a healthy and fair investment environment [7].