◎记者 温婷 2024年是金融业做好"五篇大文章"的首个完整年度，金融机构深挖"数字金融"护城河，由"数字 化"向"数智化"转型。 数字金融建设，呈现出技术赋能由表及里、投资布局软硬结合、大模型应用全面开花的新局面。记者梳 理金融机构财报发现，2024年，各大金融机构继续加大科技投入和人才储备，数字金融建设转向更重视 投入产出比的"深水区"。在自上而下的统筹规划下，更多大型机构逐渐打破机制制约，搭建起了更符合 数字金融建设需求的组织架构。 更为可喜的是，数字金融建设的土壤正在持续激发机构的创新活力，使得不同机构得以选择更适合自身 发展的差异化、特色化的数字金融之路，推动金融高质量发展。 科技投入更趋务实 各大银行都在2024年年报中"数说"了数字金融建设的最新进展。 年报显示，2024年国有六大行的金融科技投入共计1254.59亿元，较2023年增长2.15%。但从收入占比来 看，除交通银行外，其他五家均低于4%。且交通银行和建设银行科技投入双双出现同比微降的局面。 科技投入增幅最大的为邮储银行，2024年信息科技投入达到122.96亿元，同比增长9.03%，占营业收入 的3.53%。 将统计范围扩大至目前披 ...

Core Viewpoint - Beijing Rural Commercial Bank has achieved significant growth and development in 2024, focusing on high-quality development and supporting rural revitalization while enhancing its financial services and product offerings [1][2][8]. Group 1: Financial Performance - As of the end of 2024, the bank's total assets reached 1.27 trillion yuan, a 2.11% increase from the beginning of the year [1]. - The bank reported an operating income of 18.063 billion yuan and a net profit of 7.973 billion yuan, representing year-on-year growth of 18.09% and 0.71%, respectively [1]. - The non-performing loan ratio was 0.96%, a decrease of 0.13 percentage points from the start of the year, while the provision coverage ratio improved by 40.61 percentage points to 322.71% [1]. Group 2: Support for Rural Revitalization - The bank has significantly increased its agricultural loans, with a balance growth of 19.96% year-on-year, achieving historical highs in both scale and increment [2]. - Inclusive agricultural loans grew by 26.29%, and the bank disbursed 57 billion yuan in loans for rural revitalization projects throughout the year [2]. - The bank has developed a comprehensive financing product system with 29 specialized products to support new rural construction projects, providing over 220 billion yuan in credit support [2]. Group 3: Financial Innovation and Digital Transformation - The bank has established a comprehensive financial service system for elderly care, launching innovative products to meet the needs of the aging population [4]. - The bank's digital financial strategy includes the development of online loan products and a focus on data asset pledge financing [4][9]. - The bank aims to enhance its digital transformation by integrating online and offline channels and developing intelligent financial products [9]. Group 4: Support for Capital Development - The bank has provided over 300 billion yuan in loans to support the capital's social and economic development, including major projects like the Daxing International Airport Economic Zone [6]. - It has also supported 40 key projects in the city, with a total credit of 41.445 billion yuan [6]. - The bank has actively participated in the Beijing "Old Brand" initiative, providing 5.455 billion yuan in credit support to 31 "Old Brand" enterprises [6]. Group 5: Collaboration and Regional Development - The bank has supported the coordinated development of the Beijing-Tianjin-Hebei region with a credit balance of 63.5 billion yuan across 95 projects [7]. - It has collaborated with agricultural financial institutions in the region to enhance cross-regional financial services [7]. - The bank has issued over 10 million "Jing-Jin-Ji Agricultural Bank" cards to facilitate convenient fund circulation among customers in the three regions [7].

Core Insights - Ping An Health Insurance Co., Ltd. released its 2024 Sustainable Development Report, showcasing its practices and achievements in sustainable insurance, responsible investment, social welfare, and corporate governance [1] Group 1: Financial Performance - In 2024, Ping An Health Insurance reported a sustainable insurance premium income of 13.039 billion yuan and a responsible investment scale exceeding 4.449 billion yuan [1][2] - The company made public welfare donations exceeding 2.636 million yuan [1] Group 2: Strategic Initiatives - The company is focusing on five major areas, including technology finance, green finance, inclusive finance, pension finance, and digital finance, to enhance its service offerings and support high-quality development in strategic emerging industries [2] - In technology finance, Ping An Health Insurance is developing group medical, disease, and accident insurance products aimed at R&D personnel in high-tech industries [2] - The green finance initiative includes a responsible investment scale of 4.449 billion yuan, with approximately 781 million yuan allocated to green investments [2] Group 3: Health Management and Social Responsibility - The company is transitioning from traditional insurance to a model that integrates proactive health management services with insurance coverage, promoting a "health insurance + health service" strategy [3] - Ping An Health Insurance is actively fulfilling its corporate social responsibility by engaging in medical health assistance, rural revitalization, and social volunteer services [3]

Core Viewpoint - Guiyang Bank's 2024 annual report highlights its commitment to high-quality development, risk management, and maintaining its position as the leading financial institution in Guizhou province, achieving balanced growth in scale, quality, and efficiency [1] Financial Performance - In 2024, Guiyang Bank reported operating income of 14.931 billion yuan and net profit attributable to shareholders of 5.164 billion yuan, with total assets reaching 705.669 billion yuan, an increase of 17.601 billion yuan from the beginning of the year [1] - The total loan amount was 339.142 billion yuan, and total deposits were 419.208 billion yuan, with year-on-year growth of 4.66% and 4.74% respectively [1] - The bank ranked 205th in the "2024 Global Bank 1000" by The Banker magazine and 37th in the China Banking Association's top 100 banks [1] Loan and Credit Strategy - Guiyang Bank's loan balance in the "Strong Provincial Capital" sector exceeded 164.021 billion yuan, an increase of 15.405 billion yuan from the beginning of the year, with resource endowment industry loans growing over 8% [2] - The bank focused on key industrial projects and supported the development of characteristic agriculture and tourism infrastructure, with loans in the "Four Transformations" sector reaching 160.848 billion yuan, an increase of 4.709 billion yuan [2] Asset Quality and Risk Management - The bank improved asset quality indicators, with a non-performing loan ratio of 1.58%, a decrease of 0.01 percentage points year-on-year, and a provision coverage ratio of 257.07%, an increase of 12.57 percentage points [3] - The bank's capital levels remained sufficient, with a loan-to-deposit ratio of 4.05%, up 0.15 percentage points year-on-year [3] Retail Banking Development - Guiyang Bank established a comprehensive product system covering savings, loans, credit cards, and wealth management, enhancing its retail banking position [4] - By the end of 2024, savings deposits reached 214.542 billion yuan, a year-on-year increase of 13.14%, with savings deposits accounting for 51.18% of total deposits, up 3.80 percentage points [4] Digital Transformation and Innovation - The bank invested in digital platforms and launched a new mobile banking app, enhancing its retail banking capabilities [5] - Total assets under management (AUM) for retail customers reached 271.961 billion yuan, a year-on-year increase of 10.28% [5] Support for Small and Micro Enterprises - Guiyang Bank increased support for small and micro enterprises, with small business loans (including personal operating loans) reaching 208.228 billion yuan, a year-on-year growth of 5.34% [7] - The bank launched various loan products to facilitate financing for small and micro enterprises, with the average interest rate for newly issued loans decreasing by 45 basis points compared to the previous year [7] Focus on Green and Technological Finance - The bank issued 8.451 billion yuan in green loans and successfully issued 3-year green financial bonds worth 3 billion yuan, with green loan balance reaching 33.095 billion yuan, an increase of 5.60% [6] - Guiyang Bank is committed to supporting technological innovation and has established a specialized team for technology finance [6]

Core Insights - The article emphasizes the importance of digital transformation in the financial sector, particularly for Cangzhou Bank, which is actively exploring innovative paths to adapt to the changing market environment [1][2] Group 1: Digital Transformation Strategy - Cangzhou Bank initiated a digital transformation strategy in 2022, aligning with national policies to enhance financial technology and accelerate the digitalization of financial institutions [2] - The bank's "1234" digital strategy aims to build a first-class information system and digital capabilities, focusing on customer service, intelligent marketing, operational management, and risk control [3] - The implementation of a new distributed core system has significantly improved transaction efficiency, achieving over one million transactions per day and reducing end-of-day processing time from one hour to 20 minutes [3] Group 2: Collaborative Innovation - Cangzhou Bank is pursuing a "joint innovation" approach by collaborating with technology giants like Alibaba Cloud to build a private cloud platform, drastically reducing deployment times for development environments [4] - The bank has successfully completed the privatization of the DeepSeek model base while ensuring data security, laying the groundwork for expanding artificial intelligence applications [4] Group 3: Enhanced Financial Services - The bank's digital transformation has led to improved service quality and precision, integrating financial services into various sectors such as community healthcare and small business financing [5] - Cangzhou Bank has launched several digital inclusive financial products, including "Qiye Yi Dai," an online loan product utilizing big data and cloud computing, with a maximum credit limit of 3 million yuan [5] - The cumulative loan amount for new inclusive online products has exceeded 4 billion yuan, benefiting over 5,000 small and micro enterprises [5] Group 4: Ecosystem Development - Cangzhou Bank is focused on building a digital financial ecosystem that enhances financial services for the public, integrating local advantages with digital technology [6][8] - The bank's dual strategy emphasizes maintaining traditional business foundations while driving technological innovation, ensuring a balance between offline and online service enhancements [8] - By fostering collaboration and data integration, Cangzhou Bank aims to optimize service processes and expand service boundaries, achieving a complementary relationship between traditional banking and financial technology [8] Group 5: Future Outlook - The theme of the seminar, "Yun Qi Cang Hai, Shu Zhi Nong Chao," reflects Cangzhou Bank's commitment to embracing digital trends and responding to government and public needs [9] - The bank plans to leverage its technological advantages to enhance scene penetration and ecosystem building, ensuring that financial services reach every corner in need [9]

Core Insights - The article highlights the successful implementation of a financial model that supports the sugarcane industry in Yunnan Province, China, through innovative credit products and supply chain financing [1][2]. Group 1: Financial Support and Innovations - The Construction Bank's Wenshan branch provided a loan of 200,000 yuan for sugarcane farmers, enabling them to upgrade to new varieties and drip irrigation systems, resulting in a 30% improvement in crop conditions compared to the previous year [1]. - The Wenshan branch also allocated 40 million yuan in supply chain loans to the Yunnan Funing Xianggui Sugar Industry Co., which led to equipment upgrades, increasing sugar extraction rates by 1.2 percentage points and allowing for an additional 30 tons of sugar production daily [1]. Group 2: Economic Impact and Growth - The comprehensive output value of the sugarcane industry in Funing County has increased by 40% over the past three years, benefiting nearly 50,000 farmers with an average income increase of over 8,500 yuan [2]. - The total output value of the sugarcane industry in the county has surpassed 440 million yuan, with additional processing projects for by-products contributing an extra 300 yuan per acre [2].

Core Viewpoint - Digital finance is becoming a significant force in promoting high-quality economic development through its convenience, efficiency, and inclusiveness, with Lufax Holdings committed to empowering small and micro enterprises by innovating and applying technology [1] Group 1: Digital Financing Solutions - Lufax Holdings has launched the "Xingyun 2.0" AI smart loan solution to address the financing challenges faced by small and micro enterprises, utilizing 12 core technologies including AI, video communication platforms, and credit scoring models [1][2] - The "Xingyun 2.0" solution significantly reduces user waiting times, with 95% of users able to obtain loans within 1.3 hours, and the application time for medium to large micro loans decreasing by 20 minutes [2] Group 2: Empowering Small and Micro Enterprises - Lufax Holdings has developed a digital operating platform called "Luhui Rong Business Pass" to enhance the operational capabilities of small and micro enterprises, addressing their limitations in resources and marketing [3] - The company has assisted over 300 rural cooperative leaders and agricultural innovators in securing more than 133 million yuan in funding, impacting over 10,000 people across various agricultural sectors [3] Group 3: Recognition and Impact - Lufax Holdings was awarded the "Best Digital Financial Institution" at the "Influence · Times Summit" and the 9th "Times Financial Golden Orange Award" for its outstanding performance in digital finance and service optimization for small and micro enterprises [3] - The company's innovations in digital finance not only provide efficient financing solutions but also contribute significantly to the sustainable development of small and micro enterprises, setting a benchmark in the industry [4]

北京在做好科技金融、绿色金融、普惠金融、养老金融、数字金融"五篇大文章"方面开展了积极探索与 实践，会上披露了北京地区做好金融"五篇大文章"方面的一系列成果。 科技金融是金融"五篇大文章"之首。2024年以来，人民银行北京市分行开展科技金融领军机构培育工 作，首批确定14家机构为科技金融领军机构。 近几年，资本市场对医药行业的投资趋于谨慎，融资难度增大，不过赛赋医药公司获得了民生银行北京 中关村分行千万元级别的授信支持，年化利率在2.6%以内。该银行正是北京市首批科技金融领军机构 之一，覆盖科创类客群900余户。在北京，更多金融机构完成从"看财报"到"懂技术"转变，不仅关注科 创企业财务报表，而且看重企业技术的"护城河"，带动科技型企业贷款较快增长。截至3月末，全市科 技型企业贷款余额1.27万亿元，较年初增长14.1%。 绿色金融方面，截至一季度末，全市绿色贷款余额2.3万亿元，比年初增加1400.3亿元；普惠金融方面， 截至3月末，全市普惠小微贷款余额1.05万亿元，同比增长12.4%。 此外，养老金融方面，北京地区银行网点适老化改造完成率近99%；数字金融方面，人民银行北京市分 行推动北京中关村银行、北 ...

值得一提的是，在信贷投向结构方面，除了体现金融"五篇大文章"和对重点领域、薄弱环节支持外，对 住户和企（事）业单位的信贷支持力度均增大。数据显示，3月末，住户贷款余额同比增长5%，增速比 去年末高1.3个百分点，一季度增加438.6亿元，同比多增341.2亿元；企（事）业单位贷款余额同比增长 6.9%，增速比去年末高1.5个百分点，一季度增加4078.4亿元，同比多增1394.6亿元。 此外，分期限看，3月末企（事）业单位中长期贷款同比增长7%，一季度增加1975.4亿元；制造业中长 期贷款保持较高增速，3月末，制造业中长期贷款余额同比增长15.8%，比全部产业中长期贷款增速高 8.6个百分点；房地产业中长期贷款增长加快，3月末，房地产业中长期贷款余额同比增长13.2%，增速 比去年同期高3.8个百分点，一季度增加497.7亿元，同比多增193.2亿元。 "今年以来，贷款市场报价利率改革成效显著，存款利率市场化调整机制作用有效发挥，货币政策传导 效率增强，社会融资成本处于历史较低水平。"刘前进提到。3月，北京地区金融机构一般贷款加权平均 利率3.49%，同比下降21个基点；企业贷款加权平均利率2.63%，同比 ...

河钢股份、河钢资源、财达证券三家上市公司负责人还就公司经营情况、融资需求、舆情应对等话题与 联合调研组进行了交流沟通。 农行河北省分行党委书记、行长相阳介绍，农行河北省分行和河钢集团是战略合作伙伴，在现有合作基 础上双方在科技金融、绿色金融、数字金融等方面还有很大合作空间。同时在河钢集团资产证券化、并 购重组等方面也可以发挥农业银行的优势，为集团转型发展提供支撑。 （文章来源：新华财经） 新华财经石家庄4月27日电（记者刘桃熊）近日，在证监会上市司指导下，河北证监局联合河北省委金 融办、河北省国资委、新华社河北分社、农业银行河北省分行等单位，对河钢集团旗下河钢股份、河钢 资源、财达证券等上市公司开展联合走访调研。 河钢集团党委书记、董事长刘键表示，当前河钢集团"四大基地"优势已经逐渐显现，在加快高端化、智 能化、绿色化发展方面也取得新的成效。除了聚焦主责主业外，集团将在资本运作方面进一步发力，支 持上市公司更好发展。 河北证监局党委书记、局长童卫华表示，按照证监会部署，要凝聚各方力量支持上市公司做大做强。河 钢集团作为河北最大省属国企，为河北省经济社会发展作出重要贡献。在资本市场上，希望河钢集团进 一步支持上 ...