Core Viewpoint - The article emphasizes the role of China Postal Savings Bank's Shenzhen branch in supporting the real economy through targeted financial services aligned with national strategies, particularly focusing on the "14th Five-Year Plan" and its five key areas of financial development [2][6]. Group 1: Financial Support for Real Economy - The Shenzhen branch integrates its services with the "14th Five-Year Plan" by focusing on the development of a modern industrial system and strengthening the real economy [2]. - The branch has developed a comprehensive service system that aligns with the "20+8" industrial cluster strategy, ensuring a precise match between financial resources and the needs of Shenzhen's real economy [2][3]. Group 2: Inclusive Finance Initiatives - The branch utilizes its 69 outlets across the city to enhance financial accessibility, particularly in urban agriculture and rural revitalization, launching products like "U Grain Easy Loan" to support the grain industry [3]. - It has served over 3,000 small and micro enterprises, issuing loans exceeding 15 billion yuan, focusing on advanced manufacturing and technology-driven businesses [3]. Group 3: Technological and Green Finance - The branch has established a dedicated technology finance division, offering specialized products like "Tech Innovation Loans" and "Intellectual Property Pledge Loans" to support key sectors such as integrated circuits and artificial intelligence [4]. - It is actively involved in green finance, supporting Shenzhen's dual carbon goals through various financial instruments, including green loans and bonds, particularly in sectors like new energy vehicles and green buildings [4]. Group 4: Regional Development and Strategic Partnerships - The branch has signed strategic cooperation agreements with local governments and organizations, channeling over 1 trillion yuan into major projects within the Guangdong-Hong Kong-Macao Greater Bay Area [5]. - It is committed to enhancing service capabilities through digital transformation and risk management improvements, ensuring robust support for the local economy [6]. Group 5: Focus on Livelihood and Consumer Finance - The branch has launched initiatives to boost local consumption, including personal loan subsidies and partnerships with merchants to enhance consumer experiences [7][8]. - It has developed a comprehensive pension finance system, supporting various aspects of elderly care and financial literacy, with significant growth in personal pension accounts [8]. Group 6: Commitment to Continuous Improvement - The Shenzhen branch aims to deepen its financial services' precision and effectiveness, contributing to the high-quality development of the real economy and supporting Shenzhen's role as a model for socialism with Chinese characteristics [8].

该项目深度融合"绿色金融"与"数字金融"理念，体现了数字人民币应用对低碳出行的有力支撑。乘客只 需轻点手机屏幕或挥动数字人民币硬钱包，即可在覆盖全市数百条线路、数千辆公交车的庞大网络内， 无缝完成扫码、贴一贴等多种形态的便捷支付。目前，交通银行青岛分行正联合青岛城运控股集团开展 数字人民币专项优惠活动，具体细则敬请关注青岛城运微信公众号，欢迎广大市民积极参与体验。 下一步，交通银行青岛分行将紧抓数字经济发展机遇，深度聚焦数字人民币的创新应用与推广普及，积 极拓展其在智慧交通、便捷零售、公共服务等多元化场景的落地生根。通过打造更安全、高效、普惠的 数字化支付新生态，促进数字金融、科技金融与绿色金融三大领域的深度融合与相互赋能，构建起协同 共进的高质量发展新格局，为青岛区域经济转型升级贡献坚实的金融力量。 为贯彻落实青岛市数字人民币建设工作部署，在人民银行青岛市分行、青岛市交通运输局的指导下，交 通银行青岛分行联合青岛城运控股集团，共同推进青岛市区公交车数字人民币支付项目。目前，城运控 股集团旗下（主城区）4400余辆市内公交车、314条无人售票公交线路已全面支持数字人民币支付，涵 盖数字人民币APP展码支付、城 ...

做好数字金融大文章，加快金融业数字化转型，高质量服务数字经济和促进数实融合，对于建设金融强 国、巩固和拓展我国数字经济优势具有重要意义。党的二十届四中全会审议通过的"十五五"规划建议明 确提出，加快建设金融强国的战略目标与大力发展数字金融的部署要求，为银行业数字化转型注入强劲 动能。 近年来，中国农业银行重庆市分行（以下简称"农行重庆市分行"）始终坚守金融工作的政治性、人民 性，立足区域优势，持续深入推进数字化转型，打造智慧金融生态，以数字金融支持实体经济、助力乡 村全面振兴、赋能民生改善与美好生活。 重塑经营模式 赋能实体经济高质量发展 企业经营资金有缺口怎么办？近日，重庆市某汽车零部件生产加工小微企业在农业银行重庆市分行的支 持下，仅用2天就通过经营数据在农行系统上快速获得了一笔161万元的"渝惠e贷"。 线下开展实地贷款调查，现场通过移动营销PAD为企业发起线上办贷流程，调取企业的内外部数据信 息，由系统自动计算企业授信额度，线上完成审批和发放全部流程。这笔贷款的办理过程，是农行重庆 市分行深入推进数字经营战略，以线上线下协同服务实体经济高质量发展的生动体现。 近年来，农行重庆市分行紧扣高质量发展主题， ...

近年来，场外衍生品交易商在服务国家战略、服务实体经济等方面积极作为，结合自身优势精准定位衍 生品业务的发力点，凝心聚力做好金融"五篇大文章"。11月24日，《证券日报》记者从券商处获悉，中 国证券业协会近日向券商下发了由中证机构间报价系统股份有限公司（以下简称"中证报价"）开展的券 商2024年度场外业务功能发挥情况的调研报告，系统梳理了交易商在做好金融"五篇大文章"方面的案例 和成效，并对交易商对场外业务功能定位的认识进行了总结。 衍生品精准赋能 为切实落实相关工作要求，中证报价开展了专项调研。此次调研覆盖44家交易商，其中42家交易商反馈 了有效数据与典型案例，全方位展现了行业在金融"五篇大文章"方面的实践硕果。 功能定位有共识 从调研情况看，交易商对场外业务在证券行业高质量发展中的功能定位形成了三方面认识。 其一，场外衍生品业务能有效连接场外市场与场内市场，交易商可在其中行使风险中介职能，通过多种 措施发挥市场"稳定器"作用，提升资本市场的完整性与韧性。其二，场外衍生品凭借其定制化、高灵活 性和精细化管理优势，为专业投资者提供了高效的资产配置工具，满足了多元化投资需求。其三，场外 衍生品业务深度驱动交易 ...

"十五五"时期是我国基本实现社会主义现代化的关键时期，也将是推动金融高质量发展、加快建设金融 强国的关键时期。 原标题：金融强国首次写入五年规划建议 《中共中央关于制定国民经济和社会发展第十五个五年规划的建议》提出，加快建设金融强国，并 作出一系列重要部署。这是"金融强国"首次写入五年规划建议。 "十五五"时期是我国基本实现社会主义现代化的关键时期，也将是推动金融高质量发展、加快建设 金融强国的关键时期。 "顺利实现'十五五'各项重点战略任务，金融要为经济社会发展提供更高质量的服务，金融业的全球 竞争力和话语权要进一步提升，必须锚定金融强国建设目标，扎实做好各项工作，推动金融由大到 强的跃升。"田轩说。 完善中央银行制度；大力发展科技金融、绿色金融、普惠金融、养老金融、数字金融；提高资本市 场制度包容性、适应性；积极发展股权、债券等直接融资；优化金融机构体系；全面加强金融监 管……规划建议明确了未来五年金融强国建设的重点任务和方向。 "一系列安排部署紧扣金融强国建设的关键核心要素，涉及中央银行制度、资金供给、融资结构、金 融基础设施、金融监管等主要方面，充分体现了当前和今后一段时期我国内外部形势变化的新要 求 ...

乐山市商业银行(以下简称"乐山商行")作为服务区域经济发展的地方法人银行，深刻把握中央金融工作 会议精神，将"加快建设金融强国"目标与自身高质量发展紧密结合，坚守金融服务实体经济根本宗旨。 面对新形势新挑战，该行积极响应国家战略号召，深度融入成渝地区双城经济圈建设，并以此为契机， 全面贯彻落实金融系统做好科技金融、绿色金融、普惠金融、养老金融、数字金融"五篇大文章"的战略 部署。通过系统规划、精准发力、深化改革，致力于将国家战略与经济转型机遇转化为服务实体经济、 助推区域发展的具体实践，探索出一条以金融"五篇大文章"为核心抓手，服务国家战略与实现自身转型 发展互促共进的有效路径，为金融高质量发展服务中国式现代化贡献"乐商"力量。 战略引领，深度融入区域发展 积极对接成渝地区双城经济圈建设，制定专项发展规划，加强政策支持和资源倾斜，推动一批重大项目 加快落地。畅通政银企对接，主动走访市县政府、重点企业，对接重大工程项目，建立深层次战略合作 与"合作共赢"机制，共促区域经济高质量发展。聚焦"双链"驱动，深耕成都、乐山、宜宾、泸州、绵阳 等重点区域，实施"政信链+产业链"双轮驱动策略，夯实政信业务基础，带动优质产业 ...

Core Insights - Digital finance is identified as a core engine driving high-quality economic development, supported by national strategies and policies [1] - The 2023 Central Financial Work Conference has included "technology finance, green finance, inclusive finance, pension finance, and digital finance" in its strategic deployment [1] - The third Digital Finance Case Collection activity was launched in October 2023 to identify benchmark cases and extract replicable transformation experiences [1] Digital Finance Case Highlights - Four cases from four financial institutions were selected for recognition [3] - Tencent Cloud's financial version of Tencent Meeting features cloud-local integrated deployment, ensuring compliance and security for financial institutions [4] - Industrial Bank's online inclusive financing project utilizes big data technology to create an intelligent approval model, enhancing service efficiency while maintaining asset quality [4] -浦银理财 has focused on digital transformation to become a leading asset management institution, achieving comprehensive system coverage across eight key areas [5] - 兴银理财 is developing its digital capabilities through a three-pronged approach of research, data, and operations, achieving significant advancements in its system construction [5]

转自：新华财经 在数字经济浪潮奔涌的新时代，中国工商银行武汉分行坚持以数字之笔重绘服务疆界，用智慧生态润泽 千行百业。近年来，该行聚焦"多领域智慧生态""多元化数字引擎""多维度支撑体系"三大核心，以数字 金融创新服务超两千家政企，惠及千万江城百姓，为经济社会高质量发展注入了强劲的智慧动能。 多领域智慧生态润泽社会民生 多元化数字引擎赋能产业升级 中国工商银行武汉分行着力打造集人工智能、大数据与开放API于一体的"多元化"数字引擎，为乡村振 兴、科技制造、跨境贸易等重点领域持续注入金融活水。 "智链平台"破题乡村振兴。创新推出"智链猪e贷"，并于4月落地首笔300万元贷款，有效带动黄陂区生 猪合作社及12户农户增收。项目依托省级畜牧平台，整合养殖、防疫、保险等23项数据构建信用模型， 精准评估风险，打造了产融结合新范式，显著提升普惠金融覆盖面与乡村振兴服务质效。 "智慧共建"赋能智造升级。今年4月，精准对接"智能科学产业园""车规智芯产业园"建设需求，开辟绿 色通道，一周内完成74亿元融资投放，成功吸引42家智能制造企业集聚。该项目有力支持了人工智能、 智能网联、芯片等产业集群发展，是金融赋能"新制造"的扎实 ...

◇ 作者：中国农业银行资金运营中心课题组1 ◇ 本文原载《债券》2025年10月刊 摘 要 近年来，人工智能等重点领域技术持续突破，为全球金融领域数字化发展指明了方向。在这一背景下， 数字金融与商业银行债券投研和交易业务的深度融合，既是落实国家宏观政策的关键举措，也是商业银 行实现高质量发展的重要抓手。当前，先进同业机构纷纷加大相关领域投入，推动债券投研和交易业务 数字化转型，在探索种类更丰富、工具更全面的固定收益策略体系，以及自动化、智能化的系统建设方 向上取得了积极进展。商业银行需要积极把握科技浪潮下的数字金融发展契机，借鉴先进同业机构的发 展经验，推动债券投研和交易业务数字化转型，挖掘业务潜能，拓展收入来源。 关键词 数字金融 债券投研 报价策略 量化交易 数字金融与商业银行债券投研和交易业务融合是新形势下的必然要求 近年来，人工智能（AI）等领域的科学技术持续突破，迅速打开了生产力提升的想象空间，叠加金 融"五篇大文章"的政策顶层设计引导，商业银行面临的数字化转型需求愈加迫切。与此同时，传统的存 贷业务息差收窄压力倒逼商业银行积极拓展非息收入渠道。在此背景下，数字金融与债券投研的有效融 合，是商业银行 ...

Core Insights - Qianxiaole has been recognized as one of the "Outstanding Digital Financial Institutions of 2025" due to its comprehensive performance in digital financial technology application and inclusive services [1][3] Group 1: Industry Trends - The digital finance sector is evolving from basic capability building to a new stage emphasizing deep integration and systematic advancement, driven by technology to enhance efficiency and data to optimize decision-making [3][4] - The industry is forming a development pattern that ensures stable operations through safety and compliance [3] Group 2: Company Capabilities - Qianxiaole is driven by technological innovation, continuously investing in foundational technology, model training, and scenario connection to enhance its core capabilities in digital financial services [4] - The company has established a robust risk management framework covering user identification, behavior analysis, anti-fraud monitoring, and transaction risk identification, improving the speed and accuracy of risk recognition [4][5] Group 3: Service Expansion - Qianxiaole is optimizing service processes by embedding advanced technologies like artificial intelligence throughout the credit process, enhancing the convenience and accessibility of financial services [5][6] - The company has formed stable partnerships with licensed institutions, creating a scenario-based financial ecosystem that allows financial services to reach users naturally across various contexts [5][6] - The "technology + scenario" model is becoming a significant direction in inclusive finance, allowing for a multi-dimensional service system that extends beyond single touchpoints [6]