Core Viewpoint - The 27th China Beijing International Science and Technology Industry Expo will be held from May 8 to 11, 2025, showcasing Postal Savings Bank of China's Beijing branch's innovations in financial technology, including HarmonyOS ecosystem experiences, MR metaverse, digital human interaction, and smart cloud printing [1] Group 1: Digital Financial Infrastructure - The Postal Savings Bank of China's Beijing branch will focus on "Technology Finance" at the expo, highlighting green finance, inclusive finance, pension finance, and digital finance, while integrating HarmonyOS elements [2] - Visitors will experience various interactive projects, including personalized laser engraving services, MR metaverse explorations of financial products, and digital human interaction machines for financial consulting [2][3] Group 2: Innovation and Service Efficiency - The bank's innovations leverage HarmonyOS for seamless interconnectivity across devices, enhancing customer service experiences and operational efficiency [3] - In January 2025, the bank launched the HarmonyOS ecological bank, enabling a closed-loop service scenario with multiple devices for various banking functions [3] Group 3: Comprehensive Service System - The bank is focusing on the financial needs of technology enterprises, developing an evaluation system for innovation capabilities and enhancing its analysis methods to support high-growth tech companies [4] - The "Easy Enterprise" product offers a one-stop solution for small and medium-sized enterprises, integrating financial functions into various management applications [4] Group 4: Diverse Financial Products - The Uyi Chuang and Sci-Tech Loan product systems cater to different financing needs, with Uyi Chuang offering a range of services for capital operation and wealth management [5] - The Sci-Tech Loan addresses financing challenges for tech startups, while the Small Micro Easy Loan provides flexible online and offline financing options without requiring financial statements [5] Group 5: Commitment to Innovation - The bank's leadership emphasizes a commitment to innovation and optimizing service models, aiming to integrate technology and finance to support high-quality economic development [5]

Group 1: Financial Performance - In Q1 2025, six major state-owned banks achieved a total net profit attributable to shareholders of 344.42 billion yuan, averaging approximately 3.83 billion yuan per day [1] - Agricultural Bank and Bank of Communications reported year-on-year growth in net profit, with increases of 2.20% and 1.54% respectively [1] - The revenue figures for the six banks were as follows: Industrial Bank (212.77 billion yuan), Agricultural Bank (186.67 billion yuan), China Construction Bank (190.07 billion yuan), Bank of China (164.93 billion yuan), Postal Savings Bank (89.36 billion yuan), and Bank of Communications (66.37 billion yuan) [1] Group 2: Asset Scale and Quality - By the end of Q1, the total asset scale of the six banks showed steady growth, with Industrial Bank leading at 51.55 trillion yuan, a 5.58% increase from the previous year [2] - Agricultural Bank followed with assets of 44.82 trillion yuan, up 3.66%, while China Construction Bank reached 42.79 trillion yuan, growing by 5.48% [2] - The non-performing loan ratios for the banks remained stable, with Industrial Bank and Agricultural Bank both at 1.33%, and Postal Savings Bank at 0.91% [2] Group 3: Support for the Real Economy - The six banks continued to support the real economy, with Industrial Bank's loans to strategic emerging industries reaching 3.5 trillion yuan, and manufacturing loans at 4.8 trillion yuan [3] - Agricultural Bank's loans to strategic emerging industries totaled 3.2 trillion yuan, with a growth rate of 24.1% [3] - Postal Savings Bank served nearly 100,000 technology-based enterprises, with financing exceeding 600 billion yuan [3] Group 4: Green and Inclusive Finance - Agricultural Bank's green loan balance reached 5.59 trillion yuan, with a growth rate of 12.06% [3] - Postal Savings Bank's green loan balance was 910.71 billion yuan, growing by 6.01% [3] - Agricultural Bank's loans to private enterprises amounted to 7.22 trillion yuan, with a growth rate of 10.51% [3] Group 5: Digital Finance - By the end of Q1, Industrial Bank's loans to the core digital economy industries exceeded 960 billion yuan, reflecting a growth of 10.9% [4] - Bank of Communications reported loans to the digital economy core industries at 307.68 billion yuan [4]

Core Viewpoint - The People's Bank of China Shenzhen Branch and other nine departments have issued the "Implementation Opinions" to support the digital financial transformation in Shenzhen, aiming to create a model for "Digital China" through 18 specific measures [1][2]. Group 1: Digital Financial Transformation - The "Implementation Opinions" emphasize the systematic promotion of digital transformation in financial institutions, enhancing the innovation capability of digital technology applications [1]. - Shenzhen aims to build a digital transformation ecosystem based on "institutional guidance + scenario innovation + technology output" [1]. - Financial institutions are required to establish a coordinated mechanism led by top management to enhance resource allocation and task supervision [1]. Group 2: Innovative Financial Products - Financial institutions are encouraged to utilize AI, big data, and cloud computing to create innovative products such as "Tengfei Loan," "Carbon Reduction Loan," and "Technology Startup Pass" [2]. - The exploration of data asset credit enhancement, data intellectual property pledge financing, and data security insurance is promoted [2]. - Development of standardized and traceable green bonds and green insurance products is encouraged, along with innovative business models like "decentralized chain loans" [2]. Group 3: Digital Currency and Cross-Border Payment - The "Implementation Opinions" outline the promotion of digital RMB applications in public services, prepaid consumption, and supply chain finance [2]. - Participation in multilateral central bank digital currency bridge projects and the development of smart contracts and digital RMB hardware wallets are highlighted [2]. - The initiative aims to establish a full-domain payment demonstration area by facilitating the interconnection of Hong Kong's rapid payment system with online payment clearing systems in Shenzhen [2].

4月29日，在第八届数字中国建设峰会数字金融分论坛上，北京大学光华管理学院院长、金融学教授刘 俏表示，数智赋能重塑金融生态，推动金融行业向更高效、普惠、智能的方向发展，是一场深刻变革。 数字金融是金融与数字技术深度融合的产物，其发展路径为"技术驱动+场景落地+制度适配"，可聚焦 于服务科技创新、绿色金融等关键领域。 建设数字中国是数字时代推进中国式现代化的重要引擎，是构筑国家竞争新优势的有力支撑。而数字金 融作为数字经济的关键组成部分，对推动经济高质量发展、服务实体经济具有重要意义。 刘俏表示，我国金融正处在由"大"到"强"的关键时期，机遇与挑战并存。作为金融五篇大文章之一的数 字金融，其发展被提高到国家发展战略的新高度，在数字经济蓬勃发展的当下，数字金融发展空间广 阔、大有可为。 他指出，数智赋能，正在重塑金融生态，大数据、人工智能、区块链、云计算等技术的广泛应用，不仅 提升了金融服务的效率，也催生了全新的金融业态和商业模式，推动金融行业向更高效、更普惠、更智 能的方向发展。数智化与金融创新的融合，不仅是技术演进，更是一场关乎发展方式、治理模式的深刻 变革。 刘俏表示，数字金融是金融与数字技术深度融合的产物 ...

资本充足方面，广发银行资本充足率创历史新高。其中，核心一级资本充足率同比提升0.56个百分点至 9.67%，资本充足率同比提升1.81个百分点至14.86%。 需要指出的是，2024年是银行业做好"五篇大文章"的首个完整年度，各大银行金融机构，包括广发银 行，在五大金融领域均有明显发力。 数据显示，截至2024年末，广发银行贷款余额为2.13万亿元，较年初增长2.8%。过去一年累计投放对公 一般贷款7895亿元，创"十四五"以来新高。其中，科技企业贷款余额2355亿元，较年初增长24.96%；绿 色信贷余额突破2000亿元，同比增长42.30%；普惠型小微企业贷款余额1961亿元，新发放贷款利率 3.29%、较上年下降111BP；服务社保客户超620万户，个人养老金累计开户约320万户，居股份行前 列。 此外，作为唯一一家总部在广州的全国性股份制银行，大湾区是广发银行重点深耕区域，在支持湾区建 设方面有较强的金融资源倾斜。数据显示，截至2024年末，该行大湾区制造业、科技企业和绿色金融贷 款余额分别为690亿元、694亿元、626亿元，较年初分别增长24.5%、25.9%和42.2%。 在数字金融方面，广发银 ...

4 月 29 日，人民银行江苏省分行召开2025年二季度新闻发布会。记者从会上获悉，一季度，江苏金融总量保持全国领先，新增贷款、社会融资规模增量 均居全国第一。3 月，江苏全省新发放企业贷款、普惠小微贷款的平均利率水平处于历史低位。 图为新闻发布会现场 一季度政府债券融资增加2707亿元 人民银行江苏省分行调查统计处处长朱庆介绍，一季度，江苏省金融运行保持"总量有力、结构优化、利率下降"的良好态势，充分发挥金融对经济高质量 发展的支持作用。 信贷投放结构方面，金融支持重点领域力度加大。制造业中长期贷款快速增长，3月末，制造业中长期贷款余额同比增长12.8%，比各项贷款增速高2.7个 百分点。 3月末，江苏全省金融机构本外币贷款余额27.59万亿元，同比增长10.1%，高出同期全国增速3.2个百分点；比年初新增1.58万亿元，同比多增1642亿元。 同时，其他渠道融资也呈现较好增势，其中一季度政府债券融资增加2707亿元，同比多增1983亿元。全省社会融资规模增量为2.06万亿元，同比多增2528 亿元。 企业贷款利率稳中有降3月当月江苏全省小微贷款新发放企业贷款、普惠加权平均利率分别为3.26%、3.43%， ...

证券代码：300541 证券简称：先进数通 北京先进数通信息技术股份公司 2024 年度业绩说明会 投资者活动记录表 编号：20250429 投资者关系 活动类别 □特定对象调研 □分析师会议 □媒体采访 √业绩说明会 □新闻发布会 □路演活动 □现场参观 □电话会议 □其他： （请文字说明其他活动内容） 参与单位名 称及人员姓 名 先进数通2024年度业绩说明会采用网络远程方式进行，面向全体 投资者 时间 2025 年 4 月 29 日 15:00-17:00 地点 深圳证券交易所"互动易平台"http://irm.cninfo.com.cn"云 访谈"栏目 公司接待人 员姓名 主持人：先进数通 董事长：李铠 财务总监：张淑君 董事会秘书：刘志刚 独立董事：石宇良 投资者关系 活动主要内 容介绍 业绩说明会互动交流主要问答如下： 1.高管您好，请问您如何看待行业未来的发展前景？谢谢。 答：感谢投资者对公司的关注与支持！2024 年 11 月，中国人民 银行等七部门联合印发《推动数字金融高质量发展行动方案》， 明确了工作目标：到 2027 年底，基本建成与数字经济发展高度 适应的金融体系。金融机构数字化转型取 ...

南方财经全媒体记者 曹媛 深圳报道 《实施意见》还提出要强化数字技术赋能，提升金融"五篇大文章"服务质效。结合深圳金融"五篇大文 章"发展实际，《实施意见》鼓励金融机构充分运用人工智能、大数据、云计算等数字技术，深挖企业 社保、税务、知识产权、创新积分等"技术流"信息，为企业精准画像，推动"腾飞贷""降碳贷""跨越 贷""科技初创通""小微通""个体通"等特色创新产品增量扩面。 记者此前从人民银行深圳市分行获悉，科技金融方面，深圳已有24家银行为82家企业通过"腾飞贷"模式 发放贷款24.5亿元，"科技初创通"助力2516家企业获得贷款27.5亿元；绿色金融方面，深圳人行联合深 圳市生态环境局、地方金融局印发《推广"降碳贷"业务模式的工作方案》，累计授信3.8亿元；普惠金 融方面，"个体通""小微通""深质贷"累计服务小微企业及个体工商户超11万户，提供授信近20亿元。联 合市财政、国资等部门印发《"跨越贷"试点方案》，为"无贷户"提供"企业有画像、贷前有担保"的服务 体系，17家企业获批贷款4880万元。 《实施意见》还引导金融机构探索基于"数据+金融"的数据资产增信、数据知识产权质押融资、数据安 全保险等 ...

本报讯 （记者苏向杲 见习记者杨笑寒）近期，中银三星人寿保险有限公司（以下简称为"中银三星人寿"）披露了2024年 度业绩情况及社会责任报告。2024年，中银三星人寿总资产突破千亿元，净利润4.83亿元，突破历史新高，实现连续八年盈 利。 2024年中银三星人寿资产总额达1277亿元，原保费收入298.62亿元，同比增长20.08%，净利润4.83亿元，同比增长536%。 从细分业务看，中银三星人寿实现新单规模保费136亿元，续期规模保费收入178亿元，同比增长62.76%，业务质量持续向 好；资产配置不断优化，实现投资收益48.56亿元；综合偿付能力充足率245.86%，公司业务稳健增长，盈利能力大幅提升。 普惠金融方面，中银三星人寿进一步发挥普惠型人身保险保障民生作用，2024年成立普惠保险部，深化落实"普惠金融推 进月"活动，开展多形式专项宣传活动361次，覆盖广大人民群众2.4万人次，团体意外险受益群众达3263人次，累计保额12.8亿 元。 养老金融方面，中银三星人寿聚焦养老保险产品及服务研发，积极发挥保险公司补充养老保障作用。2024年末为60岁以上 老人提供的人身险保险产品数量达44款，同比增长 ...

Core Insights - Postal Savings Bank of China (PSBC) reported a significant increase in green loans, reaching 910.71 billion yuan, a growth of 6.01% compared to the end of the previous year, indicating a sustained focus on green finance [1] - The bank is committed to enhancing its role in the economy by focusing on five key areas, which include rural finance, inclusive finance, and personal finance, showcasing its traditional strengths [2][3] Group 1: Green Finance and Economic Integration - PSBC's green loan balance has increased to 910.71 billion yuan, with a growth rate that consistently exceeds the average growth of all loans [1] - The bank's strategy involves integrating into the broader economic development landscape, emphasizing the importance of green finance as part of its operational focus [1] Group 2: Inclusive Finance and Support for Small Enterprises - The balance of agricultural loans stands at 2.4 trillion yuan, while inclusive small and micro enterprise loans amount to 1.67 trillion yuan, positioning PSBC among the leaders in state-owned banks [2] - The bank has supported nearly 100,000 technology enterprises, with financing exceeding 600 billion yuan, reflecting its commitment to technology-driven financial services [2] Group 3: Personal Finance and Customer Growth - PSBC has seen a significant increase in retail assets under management (AUM), reaching 17.47 trillion yuan, with an increase of 77.86 billion yuan since the end of the previous year [3] - The number of VIP customers has grown to 57.95 million, marking a 3.85% increase, while high-net-worth clients have increased by 7.33% to 6.27 million [3]