Core Viewpoint - Incorporating investor education into the national education system is crucial for promoting high-quality development of the capital market [1] Group 1: National Education System Integration - The company actively responds to the joint initiative by the CSRC and the Ministry of Education to integrate investor education into the national education system, aiming to enhance financial literacy and strengthen the financial security framework [1] - The company has established a comprehensive national education system that covers multiple age groups and integrates various educational scenarios [3] Group 2: Curriculum Development - The company has developed financial literacy courses for different educational stages, focusing on elementary and middle school students through engaging content like storybooks and animations [3] - The company collaborates with professional institutions to create high-quality financial literacy courses, such as "If Wealth is a Mountain" and "Secrets of the Money Kingdom" [3] Group 3: Practical Implementation - The company has partnered with Shanghai Ocean University to offer elective courses on financial markets, with over 2,100 students participating in joint practical courses over four years [4] - The company has reached over 224 universities, conducting more than 500 joint activities in the past three years, benefiting over 40,000 university students [6] Group 4: Community Engagement - The company promotes financial literacy courses in over 100 primary and secondary schools across the country, engaging students and families through initiatives like the "Seed Lecturer" program [5] - The company has conducted over 150 activities in three years, reaching more than 10,000 youths and families [5] Group 5: Commitment to Inclusive Finance - The company aligns its national education efforts with rural revitalization strategies, focusing on economically disadvantaged areas and collaborating with leading exchanges to provide quality educational resources [8] - The company's national education brand has received significant recognition, including awards from the Shenzhen Stock Exchange and the Shanghai Stock Exchange for its contributions to investor education [8]

编者按： 自2023年中央金融工作会议谋划科技、绿色、普惠、养老、数字金融发展蓝图，到今年3月国务院 出台专项指导意见，做好金融"五篇大文章"引发金融业广泛共鸣。本报推出"做好'五篇大文章' 金 融业作答进行时"专栏，记录行业的行动和思考，淬炼可复制的创新样本，求解亟待突破的实践难 题。敬请垂注。 6月14日，台风"蝴蝶"二次登陆广东雷州沿海，仅几分钟后，吴川水产养殖户梁先生就收到了中国太保理赔款 到账短信。"围网刚被冲垮，赔款就到账了！这笔钱能马上抢修塘基、补投鱼苗，鱼塘总算有救了！" "蝴蝶"掠过，灾痕犹在，中国太保已将一笔笔"希望赔款"精准送达田间地头。这正是中国太保发挥专业优势, 多元化推进产品创新和服务赋能，不断提升保险服务的覆盖面、便利性、可得性，着力写好普惠金融大文章的 缩影。 在金融为民的时代考卷上，中国太保正以"普"与"惠"的笔触，让金融"活水"精准"滴灌"民生需求，将保险保障 的触角延伸至社会发展的神经末梢，直达实体经济的关键环节，用心用情用智书写普惠金融的太保样本。 提升民生保障，做好普惠保险"领跑员" "从来没想到过死亡离我这么近，住院治疗8个月，'沪惠保'为我赔付了近8万元，切实减轻 ...

金融，现代经济的核心，国民经济的血脉。 从2019年2月中央政治局集体学习时首次提出"走出中国特色金融发展之路"，到2023年10月中央金融工 作会议上首次明确金融强国的建设目标，习近平经济思想的金融篇日益丰富完善。 参天之木有其根，怀山之水有其源。 1985年6月至2002年10月，习近平同志在福建工作17年半，对金融工作做出了一系列极具前瞻性、开创 性、战略性的理念创新和实践探索，为开拓中国特色金融发展之路提供了源头活水和重要指导。 国之大者—— "金融工作搞得好不好，金融能否稳定，关系着国民经济的全局，关系着国家的安定团结" 引擎轰鸣，厦门高崎国际机场，身披"白鹭"的厦门航空飞机直冲云天。 40年前，勉强达到"经停过站机场"最低标准的高崎机场，难以满足厦门经济特区发展需要。而初创的厦 门航空资金短缺，根本无力承担购买飞机的巨额费用。 为解决厦门机场建设资金缺口问题，时任厦门市委常委、常务副市长的习近平同志在全省首创"借外债 搞基建"模式，成功争取到了科威特政府1800万美元贷款；为解决厦门航空飞机短缺问题，习近平同志 协调金融机构担保，向美国波音公司租借了2架飞机用于厦门航空运营。 "运用现代金融手段筹 ...

Core Insights - The performance assessment period for bank employees is intensifying, with a focus on meeting various financial targets amid declining deposit rates and increasing competition in loan services [1][2] - Banks are adopting more refined performance evaluation metrics, emphasizing daily deposit increments, support for small and micro enterprises, and the collection of non-performing loans [2][3] - The focus on non-performing asset disposal is critical for banks, as recovered assets can positively impact profits [3] Performance Assessment - Bank employees are under pressure to meet performance targets, with many working overtime and making numerous calls to clients to secure deposits and loans [2] - The assessment criteria have shifted to prioritize inclusive finance, linking performance and bonuses directly to the support of small and micro enterprises [2] - There is an increased emphasis on payroll services, which can enhance liquidity and support other banking products [3] Credit Growth and Stability - As of the end of May, the total RMB loan balance was 266.32 trillion yuan, reflecting a year-on-year growth of 7.1%, with a stable increase in credit supporting the real economy [4] - Over 90% of new loans this year have been directed towards enterprises, with significant growth in medium and long-term loans [4][5] - Banks are focusing on balanced and stable credit growth, adapting to project-based lending to meet the specific needs of enterprises [5] Regulatory Compliance - There are concerns about the resurgence of unethical practices in deposit acquisition, such as offering higher interest rates through unofficial means [6] - Regulatory bodies are monitoring and addressing these practices to maintain a stable banking environment, emphasizing compliance in marketing behaviors [6]

Core Viewpoint - China Pacific Insurance (CPIC) is actively enhancing its insurance services and product innovation to promote inclusive finance, ensuring that financial support reaches the grassroots level and meets the needs of the real economy [1][4]. Group 1: Enhancing Public Welfare Insurance - The "Shanghai Health Insurance" (沪惠保) program has seen significant uptake, with over 4 million policies sold on its first day of the 2025 version, achieving a participation rate exceeding 20% [2][4]. - Since its launch in 2021, "沪惠保" has accumulated over 26 million participants and paid out more than 2.2 billion yuan in claims, benefiting numerous families [4]. Group 2: Agricultural Insurance and Support - CPIC has implemented innovative agricultural insurance solutions, providing timely compensation to farmers affected by natural disasters, as demonstrated by a farmer receiving compensation immediately after a typhoon [3][5]. - The company has established a "Three Summer" service team to support wheat farmers with technology and monitoring, enhancing disaster prevention awareness and improving yield [5][6]. Group 3: Community and Health Initiatives - CPIC is addressing the challenges of aging populations by exploring "insurance + public welfare" models, including a comprehensive program for Alzheimer's disease management [7][8]. - The "Blue Smart Home" initiative provides community-based brain health services, including early screening and support for families [7]. Group 4: Commitment to Social Responsibility - Since its establishment in 1991, CPIC has integrated social responsibility into its core mission, focusing on inclusive financial services and contributing to rural revitalization and poverty alleviation [8].

五家商户推出的"惠民购物节"同步开展，居民开通手机银行或银行卡绑定微信消费可享专属折扣，银行 同步推出消费立减活动。新市民服务中心现场给予新市民积分、新市民入学等咨询。 在手机银行体验区，"银发专场教学"吸引众多中老年居民驻足。通过网格员提前在群里通知，居民统一 带好身份证和银行卡办理社保卡激活。工作人员手把手指导手机银行登录、查询养老金等功能操作。 支行工作人员提醒居民朋友切勿轻易向陌生人转账，切勿轻信不明电话和短信，如果遇到此类情况应及 时向公安机关或者银行进行询问核实。派出所民警通过"以案说法"的形式解析最新诈骗套路，移动公司 讲解伪基站识别技巧。60余份《反诈手册》半小时内发放完毕。"这个冒充客服退款的话术和我上周接 到的电话一模一样！"居民李先生在看了情景模拟后恍然大悟，当即下载了国家反诈中心APP。 江南时报讯 近日，为切实提升金融服务温度，践行普惠金融责任，创新服务形式，张家港农商银 行港口支行联合5家优质商户、新市民事务中心、辖区派出所及移动公司，第一次走进标杆小区程墩花 苑开展"大家集市"惠民活动。通过"金融服务+便民生活+反诈宣传"三位一体模式，为居民打造"家门口 的一站式服务圈"。 活动 ...

【大河财立方 记者 陈薇】6月23日，蚂蚁集团旗下的理财AI"蚂小财"在蚂蚁自研大模型的基础上，新增接入通义大模型。 有分析认为，理财AI"蚂小财"可以理解为AI版的理财"客户经理"。在全球范围内，专业理财经理的服务都是高净值人群的专属，一般需要资产达到百万以 上。"蚂小财"的出现，意味着普通老百姓也能人手配备一个免费的、专属的 "客户经理"，把过去普通人无法获得的专业理财服务，送入寻常百姓家。 这个普惠的思路，非常符合蚂蚁一直以来的业务路线。那么，新版的"蚂小财"表现如何？能在"普惠金融"领域掀起一轮AI化浪潮吗？ 提前布局， 马云押宝AI非一日之功 公开资料显示，早在2008年，中国电商时代刚刚拉开大幕，马云就已经开始押宝云计算赛道，也为大模型技术的发展打好了基础。 时值2008年全球金融危机，当时的阿里总盈利还只有12亿，但马云力排众议，掏出10亿押宝云计算成立了阿里云。如今，阿里云已经成为国内市场份额第一 的云计算厂商。更重要的是，2023年，阿里云推出了大模型"通义"，率先拿到了AI时代的船票。 时间来到2018年，蚂蚁内部提前7年，启动代号为"安娜"的智能客服项目。同年ChatGPT最早的版本GP ...

Core Viewpoint - The meeting between Zheshang Bank and Qinghai Bank highlights a focus on business innovation, technology support, and strategic investment to address challenges and seek growth opportunities in the banking sector [1][11]. Group 1: Company Overview - Qinghai Bank, established in December 1997 and renamed in November 2008, is the only city commercial bank in Qinghai Province and the first local corporate shareholding commercial bank [4]. - As of the end of 2024, Qinghai Bank reported total assets of 117.89 billion, a year-on-year increase of 1.78%, with operating income of 1.33 billion, reflecting a growth rate of 19.40%, and a net profit attributable to shareholders of 224 million, up by 6.57% [4]. Group 2: Financial Performance - The bank's operating income has seen significant fluctuations, dropping from 2.695 billion in 2021 to 1.331 billion in 2024, while net profit fell from 535 million to 224 million in the same period [7]. - Investment income, which once exceeded half of operating income, has declined sharply, with total investment income of 438 million and 415 million in 2023 and 2024, respectively, down from 1.591 billion in 2021 [8]. Group 3: Challenges and Strategic Focus - Qinghai Bank faces challenges such as a low net interest margin of 1.09%, a high non-performing loan ratio of 2.65%, and a cost-to-income ratio that remains elevated [9][12]. - The bank aims to enhance its operational efficiency by focusing on differentiated and specialized services, including inclusive finance, green finance, and technology finance, as part of its strategic transformation [9][11].

Core Viewpoint - Taiping Life Insurance has been recognized for two of its products in the 2024-2025 "Golden Reputation" annual insurance product list, highlighting its commitment to elderly care and pension security [1][3]. Product Focus - The "Taiping Warm Health Cancer Insurance" targets the elderly demographic, providing a robust health risk defense against malignant tumors [3]. - The "Taiping Huishou Bao Whole Life Insurance (Dividend Type)" is designed as a personal pension product, featuring a dual mechanism of "guaranteed benefits + dividend distribution" to help clients plan for retirement [3]. Tax Benefits - Policyholders of the "Taiping Warm Health Cancer Insurance" may benefit from tax deductions under the national commercial health insurance tax policy, subject to specific regulations [3]. - Contributions to the "Taiping Huishou Bao Whole Life Insurance" can be deducted from taxable income, with an annual limit of 12,000 yuan, and future withdrawals will be taxed at a rate of 3% [3]. Market Recognition - The inclusion of these products in the "Golden Reputation" list reflects consumer recognition and positive feedback towards Taiping Life Insurance's offerings [4]. - The company aims to enhance its insurance product supply and build a unique "insurance + " ecosystem, demonstrating its commitment to public welfare and financial service [4].

Group 1 - The core viewpoint highlights the rapid growth of Shenzhen's semiconductor industry, which is expected to exceed 256.4 billion yuan in revenue by the end of 2024, achieving its target a year ahead of schedule [1] - Shenzhen's semiconductor industry has developed a complete industrial chain covering design, manufacturing, packaging, testing, equipment, and materials under the "20+8" industrial cluster strategy [1] - Huaxia Bank's Shenzhen branch is committed to serving the real economy by integrating inclusive finance with industrial policies, providing strong financial support for the high-quality development of the semiconductor industry [1][2] Group 2 - Huaxia Bank Shenzhen branch is focusing on directing financial resources towards the semiconductor industry, particularly high-tech enterprises within the "20+8" industrial cluster [2] - A notable semiconductor project involving wafer-level packaging and testing is under construction, with an investment expected to reach several billion yuan, and Huaxia Bank is providing comprehensive financial services to support this project [2][3] - The bank has established partnerships with various stakeholders, including government bodies and research institutions, to enhance financial support for semiconductor enterprises through initiatives like "Financial Lectures" and "Industry-Academia-Research Matching Conferences" [2] Group 3 - Huaxia Bank Shenzhen branch has tailored financing solutions to meet the diverse needs of semiconductor companies, introducing products like "Yuan Mortgage Loan," "Innovation Loan," and "Talent Loan" [3] - A unicorn company in the storage sector has rapidly grown, holding over 600 core invention patents and establishing multiple R&D centers, benefiting from customized financing solutions that address the challenges of asset-light operations [5] - The bank is also working to create a broader financial ecosystem, including a strategic partnership with the Beijing Stock Exchange to provide full-process guidance for Shenzhen semiconductor companies planning to go public [5][6] Group 4 - The bank aims to continue enhancing its financial services in alignment with the development direction of Shenzhen's "20+8" industrial cluster, particularly focusing on the semiconductor sector [6]