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 Insights - Digital finance is continuously evolving, becoming a powerful tool for enhancing efficiency and innovation in financial institutions [1] - Listed banks are steadily increasing their support for the real economy while achieving stable development, driven by robust digital finance [1] Group 1: Investment in Digital Finance - In 2024, six major state-owned commercial banks reported a total investment of 125.459 billion yuan in financial technology, a 2.15% increase from 2023 [2] - The total number of technology personnel in these banks has surpassed 100,000 for the first time [2] - Continuous investment has led to improved operational performance, with China Construction Bank achieving precise customer identification and marketing through technology and data [2] Group 2: Digital Transformation Achievements - Beijing Bank reported a revenue of 36.218 billion yuan and a net profit of 15.053 billion yuan in the first half of the year, reflecting a year-on-year growth of 1.02% and 1.12% respectively [3] - The bank has accelerated its transformation into an AI-driven commercial bank, establishing an integrated AI system with over 300 application scenarios [2][3] Group 3: Technological Support and Infrastructure - Major banks are enhancing their digital technology capabilities to lay a solid foundation for future strategic layouts [4] - China Bank has accelerated its digital transformation, with a total of 40,000 cloud platform servers and 352 applications connected to its distributed technology platform by mid-2025 [4] - Shanghai Pudong Development Bank has built a comprehensive digital infrastructure, achieving a full-stack domestic computing platform and a collaborative model service matrix [4] Group 4: Risk Management and Compliance - Digital finance is increasingly playing a crucial role in risk management and compliance [6] - Ping An Bank has deepened the application of intelligent algorithms to enhance its risk control system, improving efficiency across various processes [6] Group 5: Integration of Digital and Intelligent Finance - Listed banks view digital finance, particularly AI technology, as essential for improving operational efficiency and customer experience [7] - Everbright Bank has developed an intelligent policy assistant that enhances compliance execution efficiency by linking policy documents with business scenarios [7] - The bank has also launched an intelligent analysis tool that integrates AI and business intelligence, covering over 2,000 data indicators [7][8]

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]

Core Insights - Digital finance is continuously evolving, becoming a powerful tool for enhancing efficiency and innovation in financial institutions [1] - Listed banks are steadily increasing their support for the real economy, backed by strong digital finance capabilities [1] Investment in Digital Finance - In 2024, six major state-owned commercial banks reported a total financial technology investment of 125.459 billion yuan, a 2.15% increase from 2023 [2] - The total number of technology personnel in these banks has surpassed 100,000 for the first time [2] - China Construction Bank has utilized technology and data, particularly AI, to achieve precise customer identification and marketing, resulting in over 100 billion yuan growth in corporate deposits [2] Digital Transformation Achievements - Beijing Bank reported a revenue of 36.218 billion yuan and a net profit of 15.053 billion yuan for the first half of the year, reflecting a year-on-year growth of 1.02% and 1.12% respectively [3] - The bank has accelerated its transformation into an AI-driven commercial bank, establishing an integrated AI system with over 300 application scenarios [2][3] Technological Support and Infrastructure - Major banks are enhancing their digital technology capabilities to lay a solid foundation for future strategies [4] - China Bank has accelerated its digital transformation, with a total of 40,000 cloud platform servers and 352 applications connected to its distributed technology platform by mid-2025 [4] - Shanghai Pudong Development Bank has built a comprehensive digital infrastructure, achieving a full-stack domestic computing platform and a service matrix for financial applications [4] Risk Management and Compliance - Digital finance is increasingly important in risk management and compliance, with Ping An Bank enhancing its intelligent risk prevention system through AI applications [6] - The bank has developed a risk expert knowledge base and improved risk management capabilities in both corporate and retail sectors [6] From Digital to Intelligent Finance - Listed banks view digital finance, especially AI technology, as crucial for improving operational efficiency and customer experience [7] - Everbright Bank has launched an intelligent policy assistant and a credit investigation report generator, significantly enhancing its credit business efficiency [7][8] Future Directions - The transition to intelligent finance requires substantial foundational work and optimization of business processes [8] - As digitalization deepens, banks face higher demands for security operations and risk prevention, necessitating continuous process optimization [8]

Core Viewpoint - Dongxing Securities is actively integrating national strategies and promoting high-quality development into its operational practices through deepening reforms, focusing on its main business, and collaborative development [1][2]. Group 1: Financial "Five Articles" - The implementation of the financial "Five Articles" series of policies provides fundamental guidance for securities companies to deepen their main business transformation and enhance service efficiency [2]. - Dongxing Securities plans to incorporate the financial "Five Articles" into its long-term strategic development, strengthening organizational management and internal reforms to enhance core competitiveness [1][2]. Group 2: Technology Finance and Competitive Advantage - Dongxing Securities is focusing on technology finance to create a distinctive competitive advantage, actively participating in the issuance of technology innovation bonds [2]. - In July, Dongxing Securities successfully issued "2025 Technology Innovation Company Bonds (First Phase)" with a scale of 1 billion yuan and a coupon rate of 1.80%, receiving a subscription multiple of 3.94 times [2][3]. Group 3: Support for High-tech Enterprises - Over the past five years, Dongxing Securities has served 35 real economy enterprises, helping them raise a total of 29 billion yuan through IPOs, ranking 17th in the industry [3]. - In the first half of 2025, Dongxing Securities ranked among the top three in the industry as a sponsor for four high-tech enterprises completing IPOs [3]. Group 4: Comprehensive Lifecycle Services - Dongxing Securities is enhancing its financial services for technology enterprises throughout their entire lifecycle, exemplified by its support for Xianhui Technology in various capital operations [4]. - The company assisted Xianhui Technology in its IPO in 2020 and subsequent financing efforts, helping it transition into a dual-driven product layout in smart manufacturing and new energy [4]. Group 5: Green and Inclusive Finance - Dongxing Securities has successfully issued green bonds and asset-backed securities, supporting enterprises in environmental protection and clean energy sectors [7]. - The company has issued a total of 1.344 billion yuan in rural revitalization bonds and corporate bonds to promote inclusive finance in underdeveloped regions [7]. Group 6: Digital Finance Strategy - Dongxing Securities has developed a digital finance strategy focusing on "strategic leadership, digital drive, platform empowerment, collaborative innovation, and building a smart Dongxing" [8].

Core Viewpoint - The People's Bank of China Jiangsu Branch, along with various financial regulatory bodies, has drafted an action plan to enhance financial support for high-quality economic development in Jiangsu Province by focusing on five key financial areas [1][3]. Group 1: Action Plan Overview - The action plan consists of seven sections and 25 items, outlining development paths for technology finance, green finance, inclusive finance, pension finance, and digital finance [3]. - The core objective is to significantly improve financing accessibility in key strategic areas by 2027, optimizing the supply-demand match of financial products and services [3][4]. Group 2: Key Financial Areas - **Technology Finance**: The plan emphasizes increasing credit support for technology enterprises through a "stock-loan-bond guarantee" model, promoting investment-loan linkage, and establishing a technology finance alliance [3][6]. - **Green Finance**: It aims to enhance financing for green and low-carbon projects, expand the green financing subject library, and promote environmental information disclosure and ESG evaluation [3][4]. - **Inclusive Finance**: Focuses on expanding services for private enterprises, reducing costs for small and micro businesses, and supporting rural revitalization and poverty alleviation [4][5]. - **Pension Finance**: Plans to develop a collaborative system for pension financial products and services, establish a list of key enterprises in the silver economy, and promote financial education for the elderly [4][5]. - **Digital Finance**: Aims to advance the digital transformation of financial institutions, support the construction of digital economy pilot zones, and enhance data sharing and infrastructure [4][5]. Group 3: Implementation and Achievements - The Jiangsu Province has seen significant achievements in inclusive finance, with over 201 million registered users on its financial service platform, facilitating 6.49 trillion yuan in credit for small and micro enterprises [5]. - The regulatory body is implementing various policies to enhance technology finance, including pilot projects for equity investment and knowledge property finance [6][7]. - The transformation finance framework has been established, with over 2 billion yuan in loans allocated to incentivize enterprise transformation [7].

9月11日，人民银行江苏省分行召开《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》 （以下简称《行动方案》）专题新闻发布会。记者从会上获悉，《行动方案》提出了五大专项行动、20 条具体举措。具体举措提到，支持保险机构以适当方式参与养老服务体系建设促进养老财富储备和保值 增值，支持法人金融机构申报企业年金、职业年金管理资格。 实施普惠金融增量扩面行动。建设民营企业金融服务中心，建立县域重点支持企业库。开展"万家民营 企业评银行"活动及企业汇率风险管理服务专项行动。用好小微企业融资协调工作机制，灵活采用展 期、无还本续贷、调整还款方式、延长还款期限等形式，切实降低贷款周转成本。开展明示企业贷款综 合融资成本试点。提高对农户、新型农业经营主体金融服务水平。 实施养老金融护航发展行动。加强银发经济重点领域金融支持，用好服务消费与养老再贷款，建立"银 发经济重点企业清单"，引导融资精准对接。支持保险机构以适当方式参与养老服务体系建设促进养老 财富储备和保值增值，支持法人金融机构申报企业年金、职业年金管理资格。鼓励金融机构开发理财产 品、商业养老保险、公募基金等产品。鼓励金融机构对网点开展适老化、无障碍改造，完 ...

正松老师 在数字经济浪潮席卷全球的背景下，金融行业的数字化转型已从 "战略选项" 升级为 "生存刚需"。中央金融工作会议将数字金融列为 "五篇大文章" 之一，凸 显其作为资源配置枢纽、推动新质生产力发展的核心地位。正松老师在近期的多场商业演讲中犀利指出："这场变革的本质是重构效率、成本与价值的三角 关系。金融机构若无法通过数字化实现业务韧性、场景创新与数据资产化，将被时代加速淘汰。" 一、转型深水区：安全与创新的双重命题 金融业的数字化转型面临独特挑战： 1. 风险零容忍与敏捷创新的矛盾 ◦ 高频交易需毫秒级响应，风控系统需实时拦截欺诈，同时业务又需快速迭代以应对市场变化。华为数字金融军团 CEO 曹冲提出的 "4 个 Zero" 目标（零宕 机、零等待、零接触、零信任）直指痛点：既要 100% 业务连续性，又需支持秒级产品上线。 ◦ 某头部银行采用华为 "4 阶 22 步工程化方法" 改造核心系统后，业务上线周期从天级压缩至小时级，印证系统性工程思维的必要性。 • 实时风控：华为分布式核心系统 2.0 嵌入蜂窝状 PBC 架构，风控规则与业务原子能力解耦重组，欺诈识别响应速度达毫秒级。 2.中小机构的 "三 ...

Core Viewpoint - The article emphasizes the rapid transformation of the financial ecosystem through technology, highlighting the efforts of China Construction Bank's Shenzhen branch in enhancing banking services via digital channels and self-service innovations [1]. Group 1: Self-Service Channel Transformation - The bank is focusing on digital transformation of self-service channels to improve service efficiency and customer experience [1]. - The introduction of "Smart Teller Machines" (STM) allows customers to perform self-service transactions easily, receiving positive feedback for their simplicity and speed [2]. - The bank has implemented a one-stop service model, enabling customers to complete multiple transactions with a single confirmation, enhancing convenience [2]. Group 2: Comprehensive Services - The bank is expanding its "Smart Government" services, allowing customers to handle over a hundred government-related transactions through self-service machines, addressing common pain points in public service [3]. - The bank's outreach includes on-site services using intelligent devices to assist customers in various locations, ensuring financial services are accessible [3]. Group 3: Personalized Care - The bank has introduced a "Senior Care Version" of the smart teller machine, addressing the specific needs of elderly customers to improve their self-service experience [4]. - Services for cross-border customers have been expanded, allowing for various high-frequency transactions at key locations [4]. Group 4: Omnichannel Coordination - The bank promotes seamless integration between online and offline services, allowing customers to make appointments and manage transactions through multiple digital platforms [4]. - This omnichannel approach has led to over 500,000 customer interactions annually, indicating strong customer acceptance [4]. Group 5: Online Migration - The bank is prioritizing mobile services, enabling customers to perform high-frequency transactions through mobile banking applications, enhancing convenience [5]. Group 6: Smart Card Vault Innovation - The bank has introduced a "Smart Card Vault" to streamline the card issuance process, reducing the need for manual operations and improving customer service efficiency [6][7]. - The smart card system has processed over 400,000 transactions since its launch, significantly enhancing customer satisfaction and operational efficiency [8]. Group 7: Future Directions - The bank plans to continue leveraging advanced technologies such as big data, 5G, and artificial intelligence to further enhance its self-service channels and create a more inclusive and environmentally friendly banking experience [9].