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 ...

Group 1 - The article emphasizes the importance of finance as the core of modern economy and its role in national stability and development [2][4][16] - It highlights Xi Jinping's innovative financial strategies during his tenure in Fujian, which laid the groundwork for China's unique financial development path [1][6][7] - The establishment of financial institutions and reforms in Fujian, such as the creation of the Xiamen International Bank, played a crucial role in supporting local economic growth [27][28][30] Group 2 - The article discusses the relationship between finance and the real economy, asserting that financial stability is essential for economic prosperity [16][22] - It outlines the significance of rural financial services in poverty alleviation and economic development, showcasing successful case studies in Fujian [23][24][26] - The focus on technological innovation and its integration with financial services is highlighted as a key area for future growth [19][21] Group 3 - The article mentions the need for continuous financial reform and innovation to address deep-seated issues within the financial system [29][34] - It stresses the importance of maintaining financial security and risk management as fundamental themes in financial work [35][36] - The development of a credit culture and the promotion of a financial system that serves the people are emphasized as essential for achieving a financial strong nation [36][37]

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 ...

云终端，是真的火了。 2025年最火的云计算概念，当属"云终端"。 根据中研普华数据，截至2024年底，全球云终端市场规模已突破280亿美元，年复合增长率高达18.5%，中国市场份额占35%，全球领先。 ——18.5%的增长率意味着，只需要3年零11个月，市场规模就已翻了一倍。 具体到 中国，根据IDC数据，2024年，中国云终端市场总出货量达421.7万台，同比增长40.0%，创下历史新高。预计到2029年，市场规模将突破962万 台，五年复合增长率高达16.6%。 此等惊人的增速，在云计 算市场，已经很久都没见过了。 入局的玩家也不少，华为、戴尔、惠普、中兴、升腾、深信服、移动、电信、联通、百度、阿里、腾讯……从云大厂到运营商，从终端硬件到平台服务， 百花齐放。 就在刚刚结束的华为年度开发者大会HDC 2025上，华为云还在"云启万物，智联未来"高峰论坛上正式发布了CloudDevice全系列产品，包括云手机、云 PC、云Pad、云空间、云机顶盒、云游戏、云车机等七大云终端产品，并联合中国科学院科技战略咨询研究院智库建设研究部及中国信息通信研究院发布 了《云终端产业发展报告》与《基于云网端边芯协同的云终端 ...

Core Viewpoint - Ant Group's AI financial advisor "Ma Xiaocai" has integrated the Tongyi large model, enabling it to provide professional financial services to the general public, akin to having a personal financial manager for free [1][2]. Group 1: Product Development and Features - "Ma Xiaocai" is positioned as an AI assistant for ordinary people, offering financial advice and services that were previously exclusive to high-net-worth individuals [1][2]. - The AI can answer various financial queries and monitor market conditions, providing users with real-time insights and personalized recommendations [5][9]. - After integrating the Tongyi model, "Ma Xiaocai" has enhanced its capabilities in financial analysis, allowing it to compare funds and provide tailored investment strategies [9][12]. Group 2: User Engagement and Impact - By August 2024, "Ma Xiaocai" had reached 70 million monthly active users, with 45% of them coming from third-tier cities and below, indicating its broad appeal [5]. - Users who have interacted with "Ma Xiaocai" show healthier investment behaviors, with a 5% increase in asset allocation rationality and a 60% decrease in frequent trading [7]. Group 3: Competitive Landscape and Future Outlook - Ant Group has a strong foundation in financial technology, having invested in AI and cloud computing since 2008, which positions it well in the competitive landscape of AI financial services [2][8]. - The integration of "Ma Xiaocai" with over 200 financial institutions enhances its reliability and user experience, setting it apart from global competitors [12]. - The company aims to lead in the global AI financial services market, leveraging its advancements to compete effectively in digital and inclusive finance [12].

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 Insights - The rise of e-commerce platforms has created a unique "inclusive" employment ecosystem, generating numerous job opportunities for traditional labor and vulnerable groups [1][4] - Platforms like Pinduoduo are enhancing resource allocation and industrial collaboration, significantly boosting overall productivity and optimizing industrial structure, thus contributing to high-quality economic development [1] Group 1: Employment Opportunities - E-commerce platforms have opened new market channels for agricultural products, as demonstrated by the case of Liu Zhijun, whose sales of Yulu fragrant pears exceeded 200,000 pounds in 2024, with significant growth from e-commerce channels [2] - The development of rural e-commerce has revitalized local industries, creating hundreds of jobs annually in areas like Xih County, where young people are returning to work in agriculture [2] - Pinduoduo's logistics initiatives, such as the establishment of delivery stations, have improved access to online shopping for rural residents, facilitating the distribution of over 2,000 packages daily [2][3] Group 2: Support for Vulnerable Groups - The platform economy allows individuals, especially women and the elderly, to choose flexible work types and hours, creating more job opportunities for traditionally marginalized groups [4] - Zhang Xue, a mother of two, found a suitable job through community group buying, allowing her to manage her time effectively while providing employment for other mothers [4] Group 3: Economic Impact - Pinduoduo's initiatives have led to a significant increase in employment, with over 55.3 million jobs created across various sectors, including direct employment, logistics, and indirect jobs [7] - The platform has also facilitated the return of over 300,000 new farmers to entrepreneurship and engaged over 20 million agricultural producers in the digital economy [7] Group 4: Training and Support - Pinduoduo offers comprehensive support for entrepreneurs, including a three-phase training system for delivery station operators, enhancing their skills in warehouse management and community operations [6] - The company has launched a "100 billion support" plan to invest in merchant transformation and upgrade, aiming to create a win-win business ecosystem [6]

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].