Core Viewpoint - The article emphasizes that mobile banking has evolved from a mere online channel for financial services to a benchmark for assessing a bank's technological strength, user-centric thinking, and strategic foresight. Postal Savings Bank of China (PSBC) is redefining digital finance through continuous improvement in user experience and the introduction of AI-driven services [1]. Group 1: Evolution and Transformation - PSBC's mobile banking faced challenges in system architecture and innovation mechanisms three years ago, prompting a comprehensive core system reconstruction starting in 2022. This transformation aims to create a secure, agile, and self-controlled digital foundation [2]. - The bank's digital strategy, termed "Digital PSBC," is being advanced through the "AI 2 ALL" initiative, which focuses on four value dimensions: broad customer base, deep customer experience, multi-model scenarios, and detailed innovations, planning nearly 260 AI application scenarios [2][3]. Group 2: Growth Drivers - PSBC's mobile banking has achieved a customer base of 386 million and nearly 86 million monthly active users as of June 2025, reflecting a commitment to user experience and service [5]. - The growth is driven by a systematic approach to intelligent operations, ecological scene integration, and integrated service assurance, forming a "growth flywheel" that addresses value creation in a saturated market [5]. Group 3: Service Transformation - The launch of the 11.0 version of PSBC's mobile banking marks a significant shift towards "companion-style innovation," integrating AI deeply into customer journeys and redefining service boundaries [11]. - The new version features a conversational service model, allowing users to perform transactions through simple voice commands, enhancing user interaction and making financial operations more intuitive [11][12]. - The 11.0 version also introduces a more personalized user experience by predicting user needs and displaying relevant functions based on browsing habits, thus evolving from a "function finds user" to a "function understands user" approach [12]. Group 4: Security Enhancements - The 11.0 version incorporates a multi-layered security system, including a "social trust" dimension that allows for collaborative protection during high-risk transactions by contacting pre-set guardians [13]. - New features such as voice verification for identity confirmation and integration with national identity authentication systems enhance account security [14]. Conclusion - PSBC's evolution from a follower to a leader in mobile banking illustrates that success in the digital finance competition hinges on continuous self-reflection and transformation centered around customer needs, rather than merely accumulating functions or competing on technology [15].

Core Viewpoint - Consumption is seen as the "ballast" for economic growth, while finance acts as the "lifeblood" that supports aspirations for a better life across various scenarios and urban-rural divides. Consumer finance companies play a crucial role in driving consumption and supporting new urban residents and county-level consumption upgrades [1] Policy Insights - By 2025, multiple policies related to consumption and consumer finance will be implemented, making it essential for consumer finance companies to adapt to regulatory changes and convert policy benefits into consumption potential [2] - Policies such as the "Special Action Plan to Boost Consumption" and "Guidance on Financial Support for Expanding Consumption" have provided a solid foundation and market confidence for the consumer finance industry [2] - Companies like China Post Consumer Finance are actively responding to new lending regulations by implementing a dynamic management whitelist for lending partners to ensure compliance and consumer protection [2] Development Strategies - The implementation of various policies has injected stronger momentum into consumption and provided clear directions for the standardized development of consumer finance companies [4] - Companies are leveraging technology to enhance compliance management and have established systems for fraud detection and risk control [4] - Strict regulatory requirements are viewed as a stabilizing force that can eliminate poor industry participants and create a fair competitive environment for compliant businesses [4] Technological Advancements - Technology remains a core competitive advantage for the consumer finance industry, with companies accelerating their digital transformation to provide more accessible financial services [7] - Ant Consumer Finance has upgraded its risk control system using AI to better match consumer needs and enhance the efficiency of credit decisions [7] - Companies like Xinyu Consumer Finance are focusing on standardizing their technology and processes to support the entire lifecycle of consumer credit services [7] Financial Focus Areas - Consumer finance companies are committed to serving the real economy through five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [9] - Companies are developing tailored products for different consumer segments, such as flexible personal loans for younger consumers and enhancing financial education for the elderly [9] - Haier Consumer Finance has initiated the first ESG-linked syndicated loan in the industry, directing funds to green consumption scenarios [9]

【大河财立方消息】12月24日，中国人民银行、国家发展改革委、财政部、交通运输部、商务部、金融 监管总局、中国证监会、国家外汇局联合发布《关于金融支持加快西部陆海新通道建设的意见》。 其中提出，深化通道物流领域专属金融产品创新。加大对沿线省（区、市）金融支持，鼓励银行向符合 条件的中小微物流企业提供合理融资和票据贴现支持。加大物流企业发展的信贷支持。鼓励银行紧跟物 流融资需求创新信贷产品，推广综合授信、随借随还贷款模式。 支持云南、广西、内蒙古、西藏、新疆边境口岸开展边民互市贸易代理人付汇业务，加强部门间协作， 推动实现互市贸易交易、结算、报关全链条信息共享。 在重庆设立西部陆海新通道基金，支持沿线基础设施和产业园区建设。探索按照市场化、法治化原则， 对存量通道基建项目债务给予转股等政策支持。 争取亚洲开发银行、亚洲基础设施投资银行、丝路基金等战略资源支持，鼓励发展混合融资。 探索境内外金融市场互联互通。支持符合条件的银行在遵守监管规定和宏观审慎框架下向东盟国家企业 或项目发放跨境贷款。加强沿线省（区、市）与粤港澳大湾区发展衔接，支持企业依法合规赴新加坡、 香港融资。深化合格境外有限合伙人（QFLP）试点。 ...

Group 1: Core Insights - The article highlights the integration of innovative data applications by China Construction Bank's Weifang branch to meet customer needs effectively, resulting in significant improvements in operational efficiency and customer satisfaction [1][4] - The Weifang branch reported a daily average balance of general deposits of 169.9 billion yuan and a loan balance of 111.8 billion yuan, ranking second among comparable peers and first among local state-owned banks [1] - The bank's efforts in supporting local economic development have been recognized by the Weifang municipal government, earning accolades such as "Advanced Unit Supporting Weifang Development" [1] Group 2: Smart Canteen Implementation - The implementation of the smart canteen system at the Qingzhou Municipal Service Center has drastically reduced meal queuing time from 30 minutes to 5-6 minutes, enhancing dining efficiency for over 600 employees [2][3] - The new system allows employees to use facial recognition or mobile QR codes for quick access, while also streamlining the process of meal subsidies, thus reducing operational costs for the canteen [2][3] Group 3: Financing Solutions - The "Cloud Tax Loan" product, linked directly to tax information, enables precise matching of financing needs for small and micro enterprises, addressing their urgent funding gaps [4][5] - As of November 2025, the Weifang branch's loan balance for tax interaction reached 2.377 billion yuan, with a year-to-date loan issuance of 2.944 billion yuan, indicating a strong demand for this financing solution [5] Group 4: Integrity and Compliance Culture - The Weifang branch has established a "Clean Financial Culture Education Base" to promote compliance and integrity among employees, reinforcing the importance of ethical practices in financial operations [6][7] - The education base features various sections dedicated to clean culture, party history, and legal education, serving as a platform for over 400 employees to engage in integrity training and awareness [6][7]

泉州民营经济活力奔涌、侨资底蕴深厚，正以"强产业、兴城市"双轮驱动战略阔步迈向新征程。厦门国 际银行泉州分行精准锚定政策导向，紧跟泉州市委、市政府部署，深度对接《2025年金融支持泉州民营 经济高质量发展工作意见》等政策，将金融服务深度融入民营经济产业升级、侨胞服务等关键领域，以 扎实举措践行金融担当，成为泉州经济发展的"金融合伙人"。 加大信贷投放 赋能产业转型升级 针对泉州市推出的金融支持民营经济15条措施，厦门国际银行泉州分行主动作为，秉持"华侨"基因 与"晋江经验"，以金融活水浇灌民营经济之花。聚焦纺织鞋服、智能制造等本地千亿产业集群，精准助 力民企技术升级与规模扩张。 针对泉州十大千亿产业，该行成立产业专业化工作小组，制定重点产业授信策略分类标准、授信准入指 引和尽职调查手册等，采用"名单制"精准对接产业链头部腰部企业、重点技改项目企业、工业园区企业 等主体，量身定制融资方案，为产业转型提供稳定的资金保障。 为缓解企业"融资难、融资贵"的问题，该行推出了利率优惠、手续费减免等政策，推行无还本续贷、随 借随还等灵活还款方式。截至2025年11月，已累计为86家企业减费让利207万元，切实为市场主体减负 ...

民生银行自扎根南粤29年来，始终坚守"服务大众、情系民生"的初心使命，坚持与时代潮流同频共振、 与区域经济共荣共生，用一串串坚实的数据、一项项亮眼的成果、一个个温暖的故事，书写了助力岭南 金融高质量发展的奋进篇章。 深耕细作普惠金融 民生银行广州分行始终将普惠金融作为战略重点，坚持聚焦小微企业、个体工商户等市场主体融资难 题，以创新产品与专业服务打通金融服务"最后一公里"。一家现代化农牧企业集团面临上下游企业融资 渠道匮乏的痛点，对此，分行历时两年打磨线上供应链产品"信融E"，于2024年末实现业务破冰，截至 目前累计放款超11亿元，服务普惠型供应商超100家。为进一步拓展产业链客群，分行量身定制经销商 批量开发方案，2025年"民生快贷"项目成功上线，通过联合营销迅速打开市场，已获批经销商38户，普 惠贷款余额超6000万元，以金融之"链"串联产业生态，让普惠活水精准滋养实体经济末梢。从初创企业 的启动资金到成熟商户的扩大经营需求，广州分行始终以高效、便捷的金融服务，为市场主体注入持续 发展动力。 科技赋能服务升级 数字金融浪潮下，民生银行广州分行坚持以科技创新为引擎，推动金融服务从"线下"到"线上"、从" ...

岁末回首，2025年无疑是中国公募基金行业发展史上具有里程碑意义的一年。随着《推动公募基金高质 量发展行动方案》正式落地，行业步入以投资者回报为导向的高质量发展新征程。 恰逢行业变革之时，长城基金始终坚持以投资者为本，恪守持有人利益至上原则，既全力推动行动方案 在业务实践中落地生根，更紧扣"五篇大文章"战略指引，在服务国家发展大局中勇担使命，以专业深度 与服务温度谱写高质量发展的崭新篇章。 随着"合规、诚信、专业、稳健"行业文化的深入践行，以投资者教育筑牢发展根基，已成为基金行业高 质量发展的共识。行动方案将"提升投资者获得感"列为核心目标，为行业服务升级指明了方向。长城基 金通过厚植行业文化根基、创新投资者陪伴模式，多维度助力构建成熟健康的投资生态。 夯实行业文化根基是提升投资者服务水平的前提。长城基金积极践行中国特色金融文化，通过组织反洗 钱全员培训、投资合规及廉洁从业专项培训，切实增强员工的风险防范意识与职业操守，以合规廉洁的 底色守护投资者信任。 在投资者服务实践中，长城基金持续深化金融为民理念，构建起多元化、立体化的投教矩阵：线上打 造"投资小宏书""老鹰捉小基""长城行业调研团""城大事小课堂"" ...

自2025年上线以来，"空中柜面"在显著降低运营成本的同时，真正实现了服务优化与风险控制的统一。 该服务通过流程线上化与服务集约化，持续节约可观成本，并将这些资源被重新投入至服务优化与技术 升级中，进一步反哺客户体验，形成"客户满意–公司提质"的良性循环，推动消费者权益保护落到实 处、见到长效。 新华保险积极响应国家发展数字金融、普惠金融的号召，依托"空中柜面"项目，将消费者权益保护与服 务便捷性深度融合，通过数字化转型为客户带来高效、安全、有温度的保单服务新体验。这一创新举措 赢得了市场认可，成功获评"2025金柿奖·中国保险消费者权益保护样本"。 数字技术打破时空限制，保险服务实现普惠通达 新华保险推出的"空中柜面"，顾名思义借助视频交互、人脸识别、电子签名等数字技术，打破传统服务 对物理网点的依赖，让客户不论身在何处、使用何种设备，都能平等享受专业保单服务。尤其对于老年 人、行动不便人群等特殊群体，系统操作简便、服务接入"零门槛"，真正推动保险服务走向普惠通达， 助力实现"普惠金融最后一公里"，切实保障每一位消费者的公平交易权与受尊重权。 在服务过程中，"空中柜面"运用了"远程交互+智能防控"数字新技术 ...

Core Viewpoint - The article emphasizes the importance of consumer finance in stimulating China's economy, highlighting the role of companies like Ma Shang Consumer Finance in providing tailored financial services to underserved populations, particularly new citizens and rural residents [1][19]. Group 1: Economic Context - The Central Economic Work Conference has set the tone for China's economic strategy, focusing on "stability while seeking progress" and prioritizing domestic demand as a cornerstone for economic growth [1][16]. - The Ministry of Commerce, the People's Bank of China, and the financial regulatory authority have jointly called for enhanced collaboration between commerce and finance to significantly boost consumption [1][16]. Group 2: Company Performance - Ma Shang Consumer Finance has reported over 120 billion yuan in cumulative taxes and has served more than 220 million users, facilitating 958 million transactions with sales exceeding 1 trillion yuan [1][19]. - The company has successfully reached nearly 100 million new citizens, helping approximately 12 million individuals establish their credit records for the first time [19]. Group 3: Financial Services and Innovations - Ma Shang Consumer Finance focuses on providing customized credit services that are short-term, small-scale, frequent, and urgent, targeting populations that traditional finance often overlooks [19]. - The company has deepened partnerships with over 200 mainstream internet consumption platforms and more than 200,000 merchants, launching over 200 promotional events to stimulate consumption in key areas like green consumption and appliance upgrades [19][4]. Group 4: Technological Advancements - The company has invested over 6 billion yuan in research and development, applying for more than 2,900 patents and establishing over 1,000 core technology systems [21]. - Ma Shang has developed an AI-driven retail finance model, "Tianjing," which has improved operational efficiency, achieving a 93% accuracy rate in intent understanding and over 90% in automated approvals and self-service completion rates [22]. Group 5: Social Impact Initiatives - The company has launched a job-matching platform that has successfully connected 910,000 new citizens with employment opportunities, thereby supporting stable employment and boosting consumer confidence [25]. - The "Fuhuiyang" smart farming project has been implemented in 23 districts in Chongqing, creating over 6,000 jobs and increasing farmers' income by nearly 70 million yuan [26][11]. Group 6: Security Measures - In response to rising risks in digital finance, Ma Shang has developed the "Yulei" system to combat fraud, successfully aiding law enforcement in apprehending 65 suspects involved in a cross-border scam [28][29]. - The company has established a financial safety alliance with over 172 members to enhance collaborative efforts in combating illegal financial activities, successfully preventing potential losses exceeding 2.4 billion yuan [29].

Core Insights - The forum "2026 Digital Finance Outlook and the 10th Anniversary of Star Map Financial Research Institute" highlighted the integration of technology and finance as a systemic transformation in digital finance [1] - Jiangsu Province is leveraging its strong industrial foundation, open advantages, and rich educational resources to innovate in the digital finance sector, launching over 200 specialized digital financial products [1][2] Group 1 - The People's Bank of China Jiangsu Branch emphasized the importance of top-level design and systematic work plans to enhance digital finance [1] - The province is focusing on industry collaboration to empower core sectors of the digital economy [1] - Financial institutions are being encouraged to undergo digital transformation [1] Group 2 - Jiangsu has established the first national Financial Technology and Digital Finance Research Institute, positioning itself as a leader in the field [1] - Notable initiatives include the creation of the first "Financial Trusted Data Space" aimed at ensuring data security and traceability [1] - Research in quantum security has reached a global leading level, focusing on building defenses against future quantum computing threats [1] Group 3 - The integration of digital currency and smart contracts is showing disruptive potential in various applications, such as real-time certification and payment for green electricity and smart ticketing for large events [1] - Looking ahead to the 14th Five-Year Plan, there is a call to strengthen innovation-driven development, deepen the integration of digital and real economies, and activate the data factor market [2] - Jiangsu aims to explore new paths for high-quality national development in digital finance by leveraging its advantages [2]