坚定不移走中国特色金融发展之路、推动金融高质量发展，必须坚持正确的理念。新发展理念深刻回答 了关于发展的目的、动力、方式、路径等一系列理论和实践问题，是习近平经济思想最重要、最主要的 内容。习近平总书记在《服务实体经济，防范金融风险》中指出："要结合金融业发展规律和特点，把 新发展理念贯彻好。"新发展理念是推动高质量发展的思想指引，也是推动金融高质量发展的思想指 引。过去一段时间出现的金融乱象，在很大程度上是因为我们在思想认识上和实际工作中偏离了新发展 理念的正确指引，最终偏离了金融高质量发展的正确方向。 推动金融高质量发展必须完整、准确、全面贯彻新发展理念，着力从以下三个方面牢牢把握。 坚持以人民为中心的发展思想。习近平总书记在《走好中国特色金融发展之路》中指出："我们党领导 的金融事业，归根到底要造福人民"。我国金融坚持以人民为中心的发展思想，与一些国家金融为资本 服务、为少数有钱人服务的立场截然不同。以新发展理念引领金融高质量发展，必须站稳人民立场，深 刻把握金融工作的人民性，增强金融服务的多样性、普惠性、可及性。坚持金融惠民导向，强化服务意 识，加大对乡村振兴的金融投入，支持牢牢端稳粮食饭碗、服务乡村 ...

Group 1: Core Principles of Financial Work - The principle of "seeking progress while maintaining stability" is essential for addressing complex situations and achieving strategic goals in financial work [2][3] - Financial work must balance stability and progress, focusing on maintaining stability in key areas while promoting necessary reforms to drive high-quality financial development [2][3] Group 2: Regulatory and Market Dynamics - Effective regulation and market vitality must be balanced to promote high-quality financial development, requiring precise strategies that ensure financial safety while maintaining market dynamism [4][5] - Current discrepancies between regulatory requirements and market demands can lead to financial instability and hinder innovation, necessitating a coordinated approach to achieve effective regulation and a thriving market [5] Group 3: Financial Services to the Real Economy - Strengthening financial services to the real economy is crucial, as finance is the lifeblood of the economy, and enhancing service efficiency is a priority [7][8] - Financial resources should be directed towards emerging industries, infrastructure, and major technological innovations to support sustainable economic growth [8][9] Group 4: Financial Openness and Security - Financial openness must be pursued alongside security, ensuring that risks associated with external shocks and cross-border capital flows are effectively managed [10][11] - Enhancing financial management capabilities and risk prevention measures is vital for achieving a balance between high-level financial openness and security [11][12] Group 5: Educational and Research Initiatives - Educational institutions like Tsinghua University's Wudaokou School of Finance play a significant role in aligning financial education with national strategic needs, fostering high-quality financial talent to support financial reform and development [13]

Group 1: Strategic Direction and Financial Performance - The bank's strategic direction for 2025 focuses on deepening party leadership, enhancing financial services for the real economy, and strengthening financial risk prevention [1] - The core Tier 1 capital adequacy ratio, Tier 1 capital adequacy ratio, and total capital adequacy ratio for the end of 2024 are 9.12%, 10.69%, and 13.11% respectively, meeting regulatory requirements [2] Group 2: Revenue and Income Analysis - The net income from fees and commissions for 2024 is 24.1 billion yuan, a decrease of 18.1% year-on-year [3] - The breakdown of fee income includes: - Settlement fees: 3 billion yuan, down 8.3% - Agency and entrusted fees: 5.4 billion yuan, down 29.4% - Credit card fees: 13.2 billion yuan, down 18.3% - Other fees: 4.8 billion yuan, down 23% [3] Group 3: Retail Deposit Performance - The personal deposit balance at the end of 2024 is 1,287.2 billion yuan, an increase of 6.6% year-on-year [4] - The average daily balance of personal deposits for the year is 1,263.2 billion yuan, up 10.1% compared to the previous year [4] Group 4: Real Estate Loan Quality - The non-performing loan ratio for corporate real estate loans at the end of 2024 is 1.79%, an increase of 0.93 percentage points year-on-year, but still at a low level overall [5] Group 5: Corporate Business Development - The corporate loan balance at the end of 2024 is 1,606.9 billion yuan, an increase of 12.4% year-on-year [6] - The corporate deposit balance is 2,246.5 billion yuan, up 2.1% from the previous year [7]