此次获奖，是对威海银行以数据驱动金融创新的高度认可。近年来，威海银行深耕数据要素应用，着力 破解传统金融服务中客户画像模糊、信用评估维度单一、动态风险难以捕捉等痛点，积极推动内外部数 据整合与标准化治理，构建了企业级数据中台，形成了全行统一的数据标准管理体系。在绿色金融领 域，威海银行依托智能数据分析模型，对绿色项目环境效益、碳排放等关键指标进行自动核算，逐步形 成覆盖绿色项目识别、风险评估与效益测算的全流程解决方案。该方案高效支撑"1+3+5+N"绿色金融产 品体系落地，有力助推实体经济绿色低碳转型。 银行频道更多独家策划、专家专栏，免费查阅>> 12月4日，在海南博鳌举办的2025品牌信用建设论坛上，威海银行《数据要素助力绿色金融业务高质量 发展》案例荣获"2025金融新质生产力优秀实践"奖。该论坛由新华社中国经济信息社主办，系2025企业 家博鳌论坛重要组成部分，旨在汇聚政企学研各方智慧，探索以品牌信用建设赋能企业高质量发展的新 路径。 责任编辑：钟离 面向未来，威海银行将持续深化数据治理与技术创新，加强数据协同与应用，推动数据要素全面融入金 融"五篇大文章"，以数据动能助推金融服务提质增效，为区域经济 ...

Group 1: Company Culture and Values - Company emphasizes the importance of corporate culture as the soul of the enterprise, promoting values such as integrity, innovation, and collaboration [1] - The core value of the company is summarized as "profit through righteousness, cooperation and inclusiveness, and pursuit of excellence" [1] Group 2: Strategic Development - The company has identified "serving the real economy" and "differentiated development" as its two main strategic lines since the beginning of the 13th Five-Year Plan [2] - A dedicated working group was established in 2016 to enhance services for the real economy, covering a comprehensive service system for various financial needs [2] - The company has achieved significant market presence, serving over 90% of large state-owned enterprises in Shanxi and completing numerous benchmark projects [2] Group 3: Financial Services and Innovations - The company is committed to high-quality development, focusing on enhancing the professionalism and sustainability of financial services [3] - A three-year action plan (2025-2027) has been established to implement the "Five Major Financial Articles" strategy, aligning with Shanxi's energy transition and industrial upgrading [3] - The company has developed a green finance service system, including innovative products like low-carbon transition bonds and green ABS [4][5] Group 4: Support for Technological and Traditional Industries - The company has issued 12 technology innovation bonds totaling 11.8 billion yuan to support local enterprises in their technological advancements [7] - It actively promotes the integration of technology finance and inclusive finance to support small and medium-sized enterprises [8] - The company has established a fund management role for the provincial angel fund, focusing on strategic emerging industries such as new energy and biomedicine [8] Group 5: Commitment to National Strategy - The company aligns its operations with the national strategy outlined in the 14th Five-Year Plan, emphasizing the construction of a modern industrial system and the strengthening of the real economy [6][9] - It aims to enhance its role in capital market reforms and high-quality development, contributing to the construction of a financial power [9][10]

摘要： 弘康人寿聚焦于保障的"充分性"和"有效性"，致力于通过商业保险的创新实践，破解"保障不足"这一普惠金融深水区的难题，将"提升保险保障的获得感""让 每个人更容易获得足额保障"确立为自身发展的核心驱动力和使命担当，扎实推进普惠保险高质量发展，书写了一篇有温度、有深度、有广度的普惠金融大 文章。 创新产品供给，打破 " 足额保障 " 的价格与责任壁垒 要实现"足额保障"的普惠目标，关键在于通过精算创新和产品设计，让消费者能够以可负担的成本，获得真正足额的风险保障。弘康人寿在此方面进行了卓 有成效的探索。 弘康人寿成立十三年来，聚焦于保障的"充分性"和"有效性"，致力于通过商业保险的创新实践，破解"保障不足"这一普惠金融深水区的难题，将"提升保险 保障的获得感""让每个人更容易获得足额保障"确立为自身发展的核心驱动力和使命担当，扎实推进普惠保险高质量发展。 关键词： 普惠金融、产品创新、金融活水、高质量发展、足额保障 案例正文： 在新时代金融改革发展的浪潮中，普惠金融不仅是国家战略的重要组成，更是金融机构践行"金融为民"初心的具体体现。2025年3月，国务院办公厅印发 《关于做好金融"五篇大文章"的指导意见 ...

Group 1 - The core idea is that the People's Bank of China, Banan Branch, is actively exploring financial support for the realization of ecological product value, guiding financial institutions to innovate service models and increase resource investment to transform "high aesthetics" of green mountains and clear waters into "high value" of gold and silver mountains [1] Group 2 - The Chongqing Panlong Pumped Storage Power Station, with a capacity of 2.4 million kilowatts, plays a significant role in energy structure adjustment and achieving carbon neutrality goals. It has received 1.932 billion yuan in long-term low-cost funding from the carbon reduction support tool [2] - The project is expected to reduce standard coal consumption by 152,300 tons and cut carbon dioxide emissions by 398,700 tons annually after it goes into operation [2] Group 3 - The Banan Branch has established a carbon reduction project library to dynamically identify and support clean energy projects, providing 2.393 billion yuan in low-cost funding to hydropower and wind power projects [3] Group 4 - The transaction of the 20-year development rights for the Sanxi Sanmei small watershed reached 138 million yuan, marking the largest single transaction for ecological product transformation in Central and Western China. The Agricultural Development Bank provided a loan of 105 million yuan for this project [4] - The Banan Branch has expanded the range of acceptable collateral to include ecological product value rights, facilitating diverse financing needs and supporting various environmental rights [4] Group 5 - The Chongqing Jielong edible mushroom green circular industry chain project utilizes waste agricultural materials, transforming them into biomass charcoal, thus preventing air pollution from straw burning. The Banan Branch provided a loan of 42.25 million yuan linked to the project's transformation effectiveness [5][6] - A dynamic "Agricultural Transformation Project Library" has been established to assess funding needs for agricultural enterprises, with 20 initial projects included [6]

Core Viewpoint - Huaxia Bank emphasizes its commitment to supporting the capital's development through various strategic actions, particularly the "Jinghua Action," which aims to leverage resources for the benefit of Beijing's growth and high-quality development [1] Group 1: Financial Support and Initiatives - Huaxia Bank has launched ten key actions this year, focusing on business development, cost reduction, risk control, internal management, and style construction, with the "Jinghua Action" being the most significant [1] - As of the end of October, Huaxia Bank has provided a total of 400 billion yuan in various financing services to the Beijing area, representing a 13% year-on-year increase [1] - The bank's technology finance initiatives are positioned as a core engine for supporting new productive forces in the capital, with a strategic focus on enhancing technology finance across the organization [2] Group 2: Technology Finance Development - Huaxia Bank has established a comprehensive product matrix to address the financing needs of technology enterprises throughout their lifecycle, including various loan products tailored to different growth stages [3] - The bank's technology enterprise loan balance reached nearly 240 billion yuan, with a growth rate of nearly 50%, serving over 8,400 clients [3] - In 2025, Huaxia Bank has issued nearly 4 billion yuan in credit loans to support the technology development of specific companies, such as Moer Technology [3] Group 3: Green Finance Initiatives - Huaxia Bank has positioned green finance alongside technology finance as a key feature, with a green finance balance exceeding 490 billion yuan and green loan balance surpassing 350 billion yuan, accounting for nearly 16% of total loans [4] - The bank has collaborated with the World Bank on significant projects aimed at air pollution prevention, with annual CO2 emissions reductions of 2.88 million tons [5] - Huaxia Bank has also supported major green infrastructure projects and led the underwriting of green asset-backed securities, demonstrating its commitment to sustainable development [5] Group 4: Consumer Finance Efforts - To support the construction of Beijing as an international consumption center, Huaxia Bank has launched 18 key tasks aimed at promoting consumer spending and enhancing financial services for major projects [6] - The bank has engaged in various promotional activities, including collaborations with supermarkets and cultural events, to stimulate consumer engagement and spending [6][7] Group 5: Regional Development and Collaboration - Huaxia Bank has provided nearly 90 billion yuan in financing services for key projects in the Beijing-Tianjin-Hebei region, marking a 31% year-on-year increase [8] - The bank has initiated the "Jinghua Action" to ensure comprehensive service coverage for state-owned enterprises in the capital and has supported various relocation projects to enhance regional integration [8] - Future plans include further advancing the "Jinghua Action" with more precise strategic layouts and innovative financial products to support the capital's development goals [8]

Group 1 - The central economic work conference emphasizes the importance of "dual carbon" goals, guiding the financial industry towards a comprehensive green transformation [1] - Trust companies and leasing companies are identified as key players in supporting green transformation, leveraging their unique advantages [1][2] - In 2024, trust companies will focus on green low-carbon industries, with significant investments in infrastructure green upgrades (59.39 billion) and energy green low-carbon transition (52.00 billion), accounting for 32.60% and 28.55% of their total investments respectively [2] Group 2 - Leasing companies are actively developing green finance strategies, focusing on clean energy sectors such as wind, solar, and hydropower, with companies like Hebei Jinzheng holding nearly 800 distributed solar power stations [3] - Trust and leasing companies are also involved in biodiversity protection and pollution control, with a total of 19 green charitable trusts registered, amounting to 19.46 million, targeting environmental protection and green rural construction [3][4] - Companies like Northern Trust and Xingye Jinzheng are establishing green charitable trusts and financing solutions to support biodiversity and pollution reduction efforts [4] Group 3 - Differentiated development is crucial for non-bank financial institutions like trust and leasing companies to promote high-quality green finance [5] - Companies are encouraged to leverage regional characteristics and focus on their core strengths to implement targeted green finance strategies [5][6] - For instance, Hebei Jinzheng plans to develop distributed solar business and independent energy storage equipment leasing in the Beijing-Tianjin-Hebei region [6] Group 4 - Trust companies with energy-related backgrounds are utilizing their resources to support green asset securitization and green industry funds, enhancing their market capabilities [7] - National Grid Leasing aims to optimize cooperation models for pumped storage projects, focusing on energy-saving upgrades and smart grid construction [7]

Core Viewpoint - Ningbo Bank, as a nationally significant bank and a top global bank, focuses on creating value through professionalism and aims to support the real economy with its strategic orientation towards technology finance, green finance, inclusive finance, pension finance, and digital finance during the "14th Five-Year Plan" period [2][3]. Group 1: Financial Performance - As of September 2025, Ningbo Bank's total assets exceeded 3.5 trillion yuan, reaching 35,783.96 billion yuan, a growth of 14.50% from the beginning of the year, demonstrating strong asset expansion capabilities [2]. - The net profit attributable to shareholders for the first three quarters was 22.445 billion yuan, an increase of 8.39% year-on-year, indicating stable profit growth despite challenging external conditions [2][3]. - The non-performing loan ratio remained stable at 0.76%, with a provision coverage ratio of 375.92%, showcasing the bank's strong risk management capabilities [3]. Group 2: Technology Finance - Ningbo Bank has established a dedicated Technology Finance Department to provide comprehensive financial services for technology enterprises, focusing on their core needs across funding, technology, industry, and supply chains [4]. - The bank has successfully set up a 500 million yuan industrial fund in Jiaxing, enhancing project success rates to over 50% through a closed-loop system of fund investment and project implementation [5]. Group 3: Green Finance - By mid-2025, Ningbo Bank's green loan balance reached 68.814 billion yuan, an increase of 18.270 billion yuan from the beginning of the year, supporting the transition to a low-carbon economy [6]. - The bank issued five green bonds with a total amount of 7 billion yuan, and invested in 57 green bonds, holding a balance of 2.626 billion yuan [7]. Group 4: Inclusive Finance - In the first half of 2025, Ningbo Bank provided over 38 billion yuan in credit support to more than 20,000 small and micro enterprises, demonstrating its commitment to inclusive finance [8]. - The bank's "Bobo Zhila" platform offers comprehensive services, including carbon calculation and declaration, supporting enterprises in navigating development challenges [9]. Group 5: Pension Finance - Ningbo Bank's pension loan balance reached 790 million yuan by mid-2025, a significant increase of 273% from the beginning of the year, reflecting its focus on the aging population's financial needs [10]. - The bank has launched 170 personal pension products, catering to various age groups and risk preferences, enhancing wealth accumulation for residents [10]. Group 6: Digital Finance - Ningbo Bank has upgraded its digital product offerings, including the "Kunpeng Treasury" and "Financial Manager," to enhance service efficiency for enterprises [12]. - The bank has successfully facilitated equipment mortgage financing for manufacturing enterprises, alleviating financial pressures on small and medium-sized businesses [12][13].

Core Viewpoint - During the "14th Five-Year Plan" period, China Merchants Bank Chengdu Branch has focused on providing financial services to the real economy, achieving significant results through continuous deepening of financial supply-side structural reforms [1] Group 1: Financial Services to Enterprises - The Chengdu Branch has established a partnership with a local biopharmaceutical company, providing comprehensive financial services including account opening and settlement, especially during the company's critical IPO preparation phase [2] - The bank leverages its group advantages to offer asset management support during the IPO process and continues to provide overseas fund management services post-listing, enhancing the company's capital returns [2] - As the company expands, the Chengdu Branch promptly offers project loans to support its research and expansion efforts, demonstrating a full-cycle, one-stop financial service model [2] Group 2: Focus on Key Industrial Chains - The Chengdu Branch plans to continue its focus on 16 key industrial chains in Chengdu, refining services for park enterprises and creating a detailed industrial map to assist more small and micro enterprises in integrating into the industrial chain [2] - The bank aims to build a new financial service ecosystem that integrates "circle-chain fusion" to support local economic development [2] Group 3: Green Finance Initiatives - The Chengdu Branch integrates green and low-carbon concepts into its development strategy, providing targeted financial support to the green industry in Sichuan to accelerate local "dual carbon" goals [3] - The bank has established a special support plan for carbon reduction bill rediscounting, aiding enterprises in clean energy and environmental protection sectors [3] - As an underwriter, the bank has participated in the issuance of green bonds for various enterprises, successfully lowering financing costs while supporting the development of the green economy [3] Group 4: Inclusive Finance and Support for SMEs - The Chengdu Branch focuses on the six advantageous industries in Sichuan and the "8+28" key industrial chains in Chengdu, innovating supply chain finance to alleviate financing difficulties for small and micro enterprises [4] - The bank enhances support for specialized, innovative, and strategic emerging industry SMEs, providing various financial products to improve the success rate of financing [4] Group 5: Pension and Elderly Financial Services - The Chengdu Branch is developing a comprehensive pension service system, focusing on the needs of elderly clients through various initiatives, including facility upgrades and tailored product offerings [4] - The bank aims to create a one-stop personal pension service experience that is simple, easy to use, and highly efficient [4] Group 6: Digital Financial Solutions - The Chengdu Branch actively supports local enterprises in digital transformation by launching various digital solutions, including payment services and real-time bill payments through its app [5] - The bank focuses on providing tailored financial solutions for upstream and downstream SMEs, promoting digital products to enhance their operational efficiency [5] Group 7: Future Outlook - As the "14th Five-Year Plan" concludes and the "15th Five-Year Plan" begins, the Chengdu Branch will continue to strengthen its efforts in serving the real economy, promoting industrial upgrades, ensuring policy implementation, and improving people's livelihoods [7]

Core Viewpoint - The central financial work conference during the "14th Five-Year Plan" period emphasizes the goal of accelerating the construction of a financial power, aiming to create a capital market that is "safe, standardized, transparent, open, vibrant, and resilient" to promote high-quality financial development in the new era [1] Group 1: Company Development and Strategy - The company is committed to implementing the spirit of the 20th National Congress of the Communist Party and the series of important instructions from General Secretary Xi Jinping regarding financial work, focusing on a path of financial development with Chinese characteristics [1][2] - The number of party branches within the company increased from 4 to 21 during the "14th Five-Year Plan," with the proportion of party members rising from 12% to 20%, enhancing the grassroots party organization's role [2] - The company has been recognized for its strong leadership and core competitiveness, with continuous improvement in various operational indicators [2] Group 2: Focus on Core Business - The company focuses on its main responsibilities, utilizing the futures market for price discovery, risk management, and resource allocation to support the stable development of real enterprises [3] - In serving technology finance, the company has expanded its services to national-level specialized and innovative enterprises, providing comprehensive solutions such as hedging and consulting [3] - The company has established a significant advantage in green finance, contributing to the industrial chains of industrial silicon, lithium carbonate, and polysilicon, while also participating in the preparation for the listing of electricity and carbon emission rights [3] Group 3: Social Responsibility and Financial Inclusion - The company has successfully conducted 445 "insurance + futures" projects, benefiting nearly 250,000 farmers with compensation exceeding 200 million yuan [4] - It has established a public welfare futures trader education base in Chongqing, producing over 4,000 original educational materials and reaching more than 750,000 people since its operation began in October 2021 [4] - The company is enhancing its professional service capabilities in pension finance and has introduced age-friendly services to protect investor rights [4] Group 4: Regional Development - The company has been deeply involved in the "智融惠畅" project in Chongqing, assisting in the establishment of the first log futures delivery warehouse and enhancing regional resource allocation capabilities [5][6] - It provides risk management services to traditional and emerging industries in Chongqing, contributing to the growth of the "33618" modern manufacturing cluster [6] Group 5: Collaborative Development - The company is strengthening internal and external collaboration to enhance customer service quality, building a comprehensive business advantage through a nationwide collaborative network [7] - It integrates services with various stakeholders, including government, exchanges, and educational institutions, to expand its service ecosystem and enhance brand image [7] Group 6: Risk Management - The implementation of the futures and derivatives law during the "14th Five-Year Plan" is crucial for the industry to serve the real economy and mitigate financial risks [8] - The company is enhancing its risk prevention and compliance management systems, focusing on early detection and resolution of risks [8] Group 7: Future Outlook - As the "15th Five-Year Plan" begins, the company aims to continue its commitment to serving the real economy, focusing on financial innovation and risk management to support national strategic goals [9]

12 月 17 日，由申万宏源 作为联席销售机构的 国泰海通 - 世博发展第 1 期绿 色资产支持专项计划 成功发行 。 发行 总 规模 16.51 亿元， 其中，优先级发行规 模 16.50 亿元， 评级 A AA ， 由上海世博发展（集团）有限公司提供差额支付、流 动性支持承诺， 票面利率 2. 1 % ， 次级发行规模 0.01 亿元，原始权益人上海世博 会运营有限公司自持 。 项目 发行期限 为 18 年（ 3 年 *6 ），每 3 年设置开放期 。 项目 入池 资产为 上海世博城市最佳实践区物业项目，位于上海黄浦区，区位优 异，依托上海世博会存量建筑和设施进行转型开发，运营情况良好。 原始权益人上海世博会运营有限公司是国内一流的园区运营管理综合集成服务 商。由原上海世博会事务协调局为投资、建设和运营中国馆而于 2008 年 9 月专门设 立，注册资金 28.6 亿元，是上海世博发展（集团） 有限公司的全资子公司。主营业 务包括物业管理服务、区域运营管理、信息服务、租赁服务、商业服务、广告经营、 会展活动、停车场管理等。 申万宏源助力上海经济发展 本资产证券化项目成功发行，不仅是践行绿色金融发展的重要 ...