Core Viewpoint - Hengfeng Bank has been awarded the "Annual Pension Financial Social Responsibility Award" for its systematic innovation and social responsibility practices in the field of pension financial services [1][2]. Group 1: Award and Recognition - The "Jiefu Award" was established by the financial media "Caishi China" in 2014, recognized as a significant honor in the financial industry [2]. - The award aims to review and showcase various business explorations and innovations by banks over the past year, highlighting institutions, products, and individuals with outstanding achievements [2]. Group 2: Pension Financial Services - Hengfeng Bank focuses on the silver economy, covering three main areas: pension finance, pension service finance, and pension industry finance [4]. - The bank has launched a dedicated service brand "Yueheng·Sui Xiang" for elderly clients, creating a comprehensive service system that includes products, rights, activities, tools, teams, partner enterprises, and platforms [4]. - The bank has increased credit supply in the silver economy sector to support the development of pension services and ensure the security of pension funds [4]. Group 3: Product and Service Innovation - Hengfeng Bank has developed exclusive deposit and wealth management products tailored to the risk preferences of the elderly, addressing their multi-level pension planning needs [4]. - The bank has designed the "Hengxiangfu Card" with aesthetic considerations for the elderly and offers benefits such as fee waivers for lost card reporting and transaction notifications [4]. Group 4: Community Engagement and Education - The bank has established "Bank Branch Elderly Universities" in collaboration with local educational institutions, offering over 650 courses on topics like fraud prevention and health [5]. - Hengfeng Bank organizes weekly "Sui Xiang Activity Days" with various activities to enrich the lives of the elderly [5]. - A user-friendly WeChat mini-program "Hengfeng Sui Xiang Zone" has been launched to enhance online engagement for elderly clients [5]. Group 5: Support for the Elderly Industry - Hengfeng Bank has included the elderly industry in its credit business focus, supporting sectors such as elderly product manufacturing and facility construction [5]. - The bank has introduced innovative financial products like "Grassroots Medical Loans" to enhance the service capabilities of local healthcare institutions [5]. - The bank aims to continue its commitment to serving the public through product innovation, service optimization, and community engagement [5].

Group 1: Financial Performance - In the first half of 2025, Qingdao Bank achieved operating income of 7.662 billion yuan, an increase of 534 million yuan, representing a growth of 7.50% [2] - The net profit attributable to shareholders of the parent company reached 3.065 billion yuan, an increase of 424 million yuan, reflecting a growth of 16.05% [3] Group 2: Loan and Credit Strategy - As of June 30, 2025, the total customer loans amounted to 368.406 billion yuan, an increase of 27.716 billion yuan, which is a growth of 8.14% compared to the end of the previous year [3] - The bank plans to continue increasing credit investment to support the development of the real economy, with a focus on eight key sectors including technology finance, inclusive finance, and green finance [3] Group 3: Operational Efficiency - The bank has implemented cost reduction and efficiency enhancement measures, resulting in a decrease in overall expenses while maintaining business growth [2] - Interest income has steadily increased due to the expansion of interest-earning asset scale and a significant reduction in interest expenses [2]

Core Viewpoint - CITIC Bank Hefei Branch has evolved over 29 years to become a key player in supporting the local economy, aligning its development with national strategies and regional financial needs [1][4]. Group 1: Development and Growth - Established in August 1996, CITIC Bank Hefei Branch was the first joint-stock commercial bank in Anhui, growing from a few branches to 39 branches and 3 community banks, employing over a thousand staff [1]. - The branch has achieved a comprehensive financing scale of 264.6 billion yuan, with a year-on-year growth of over 10% as of mid-2023, providing strong financial support for regional economic development [4]. Group 2: Party Leadership and Governance - The branch emphasizes the importance of party leadership in financial stability, integrating political education and strict governance into its operations [2]. - It has implemented a comprehensive approach to party discipline, including regular educational activities and strict enforcement of regulations to maintain a clean and efficient working environment [2][3]. Group 3: Financial Services and Innovations - CITIC Bank Hefei Branch focuses on comprehensive financial services, including government financing, technology innovation, and equity financing, to meet local development needs [5][6]. - The branch has introduced innovative financial products and services, such as the first technology innovation bonds in the province, and has become a leader in various financial sectors [5][8]. Group 4: Commitment to Social Responsibility - The branch actively engages in green finance, with a green credit balance exceeding 20 billion yuan, supporting projects in energy conservation and environmental protection [8]. - It has also prioritized inclusive finance, with a focus on small and micro enterprises, achieving a balance of over 18 billion yuan in inclusive loans, benefiting nearly 9,800 clients [8]. Group 5: Future Outlook - Looking ahead, CITIC Bank Hefei Branch aims to continue its high-quality development by enhancing its service capabilities and aligning with national strategies, particularly in technology, green finance, and digital transformation [9][10].

2025年是"十四五"规划收官之年。近年来，我国坚定不移走中国特色金融发展之路，不断推动 金融高质量发展。随着科技金融、绿色金融、普惠金融、养老金融、数字金融标准体系和基础 制度的不断完善，金融行业积极探索、谋篇布局，以实际行动不断提升金融服务的可获得性和 便利度。 为了促进行业经验交流与学习，21世纪经济报道启动2025年度21世纪金融竞争力优秀案例征 集活动。本次案例征集活动将对金融机构的先进做法和优秀案例进行梳理总结，挖掘出年度优 秀样本案例，将先进实践经验转化为业务动能，推动行业健康发展。 本次案例征集将通过专家推荐、机构申报等形式公开进行，经由客观指标和主观指标共同研究 确定。相关结果将在2025年11月举办的"第二十届21世纪金融年会"上发布。 本次活动共征集四个方向的案例，包括综合类、服务类、产品类、品牌类。案例申报通道于9 月1日正式开放（ 详见申报链接 ），每家单位最多可申报2个案例，在申报时需按要求填写相 关介绍及申报理由。申报时间为2025年9月1日至10月17日。 申报咨询： 李女士 18801022580 SFC 出品丨21财经客户端 21世纪经济报道 编辑丨刘雪莹 赵女士 1512 ...

Core Viewpoint - The People's Bank of China (PBOC) has initiated a pilot program in Jining to clarify the comprehensive financing costs of corporate loans, enhancing transparency and reducing financing costs for enterprises [1][4]. Group 1: Pilot Program Implementation - The pilot program involves banks working with enterprises to fill out a "Loan Clarity Sheet," which itemizes various financing costs, ensuring financial consumers' right to know and promoting a decrease in corporate financing costs [1][4]. - Since the launch of the pilot program, Jining banks have cumulatively clarified 25,000 loan transactions amounting to nearly 250 billion yuan, leading to a year-on-year decrease of 0.31 percentage points in the average interest rate of newly issued corporate loans in the first seven months of 2025 [5]. Group 2: Impact on Enterprises - The initiative has helped businesses like a local power equipment company save significant costs by clearly outlining fees and offering products like "no principal repayment renewal loans," which reduced their financing costs from 4.0% to 3.8% [3]. - The program has fostered trust between banks and clients by eliminating information asymmetry, resulting in a more transparent and open financing process [3][4]. Group 3: Broader Implications - The pilot program is part of a broader effort by the PBOC to enhance the quality of financial services and establish a good reputation for banks, aligning with the goal of reducing financing costs for the real economy [4][5].

Core Viewpoint - The Bank of Communications reported a stable and positive performance in the first half of 2025, focusing on implementing national financial policies and enhancing service quality in various sectors [1][3]. Financial Performance - Total assets reached 15.44 trillion yuan, a year-on-year increase of 3.59% [3]. - Operating income was 133.368 billion yuan, and net profit attributable to shareholders was 46.016 billion yuan, reflecting year-on-year growth of 0.77% and 1.61% respectively [3]. Service to the Real Economy - The bank emphasized its role in supporting the real economy, with a customer loan balance of 9 trillion yuan, up 5.18% from the previous year [4]. - Technology loans exceeded 1.5 trillion yuan, with a notable increase in loans to small and medium-sized technology enterprises by 22.93% [4]. Green Finance Initiatives - The bank integrated green development into its business model, with a focus on sectors like steel, agriculture, and low-carbon industries [5]. - The balance of energy-saving and carbon-reduction loans grew by 6.58%, and the bank issued 145 billion yuan in green financial bonds [5]. Inclusive Finance Expansion - The bank enhanced support for small and micro enterprises, with inclusive loan balances reaching 852.401 billion yuan, a 12.96% increase [5]. Pension Finance Development - The bank aims to create a senior-friendly banking environment, with pension-related loans increasing by 21.39% [6]. Digital Finance Empowerment - A new digital operation center was established, with loans in the digital economy sector exceeding 286 billion yuan, reflecting an 8.52% increase [6]. Strategic Focus in Shanghai - The bank leveraged its Shanghai presence to support local financial market innovations, achieving significant transaction volumes in bond and swap markets [7][8]. Capital Strengthening - The bank raised 120 billion yuan through the issuance of 14.1 billion A-shares, enhancing its core capital and risk resilience [9]. Risk Management - The non-performing loan ratio was 1.28%, a decrease of 0.03 percentage points, while the provision coverage ratio increased to 209.56% [10].

赵女士 15129261397 李女士 18801022580 本次活动共征集四个方向的案例，包括综合类、服务类、产品类、品牌类。案例申报通道于9月1日正式 开放（详见申报链接），每家单位最多可申报2个案例，在申报时需按要求填写相关介绍及申报理由。 申报时间为2025年9月1日至10月17日。 申报咨询： （原标题：21世纪金融竞争力优秀案例（2025年）启动申报） 2025年是"十四五"规划收官之年。近年来，我国坚定不移走中国特色金融发展之路，不断推动金融高质 量发展。随着科技金融、绿色金融、普惠金融、养老金融、数字金融标准体系和基础制度的不断完善， 金融行业积极探索、谋篇布局，以实际行动不断提升金融服务的可获得性和便利度。 为了促进行业经验交流与学习，21世纪经济报道启动2025年度21世纪金融竞争力优秀案例征集活动。本 次案例征集活动将对金融机构的先进做法和优秀案例进行梳理总结，挖掘出年度优秀样本案例，将先进 实践经验转化为业务动能，推动行业健康发展。 本次案例征集将通过专家推荐、机构申报等形式公开进行，经由客观指标和主观指标共同研究确定。相 关结果将在2025年11月举办的"第二十届21世纪金融年会" ...

Core Viewpoint - The Bank of Communications reported a stable and positive performance in the first half of 2025, with total assets reaching 15.44 trillion yuan, a 3.59% increase from the previous year, and net profit attributable to shareholders growing by 1.61% year-on-year [1] Group 1: Financial Performance - Total operating income for the first half of 2025 was 133.368 billion yuan, with a year-on-year growth of 0.77% [1] - The bank's total assets reached 15.44 trillion yuan, reflecting a growth of 3.59% compared to the end of the previous year [1] Group 2: Support for the Real Economy - The bank has focused on supporting major national strategies and key sectors, with customer loan balances reaching 9 trillion yuan, a 5.18% increase from the previous year [2] - Technology loans exceeded 1.5 trillion yuan, with the number of supported enterprises growing by 11.12% year-on-year [2] Group 3: Green Finance Initiatives - The bank has integrated green development into its business model, with energy-saving and carbon-reduction industry loans increasing by 6.58% [3] - A total of 145 billion yuan in green financial bonds has been issued within China [3] Group 4: Inclusive Finance Expansion - Inclusive loan balances reached 852.401 billion yuan, marking a 12.96% increase from the previous year [3] Group 5: Pension Finance Development - Loans in the pension industry grew by 21.39%, with significant increases in social security card and personal pension business scales [4] Group 6: Digital Finance Empowerment - The bank established a digital operation center, with loans in the digital economy core industries exceeding 286 billion yuan, and internet loans growing by 8.52% [4] Group 7: Capital Strengthening - The bank raised 120 billion yuan through the issuance of approximately 14.1 billion shares, enhancing its core tier one capital [7] - The number of corporate customers increased by 3.75%, reaching 2.95 million [7] Group 8: Risk Management - The non-performing loan ratio was 1.28%, a decrease of 0.03 percentage points from the previous year, while the provision coverage ratio increased by 7.62% to 209.56% [8] - The bank disposed of 37.83 billion yuan in non-performing loans, a year-on-year increase of 27.9% [8]

Core Viewpoint - Weihai Bank focuses on enhancing financial service quality and efficiency while promoting social value creation alongside economic growth [1] Group 1: Green Finance - The bank established a dedicated Green Finance Department to conduct in-depth industry research and promote distinctive green finance development [1] Group 2: Inclusive Finance - Weihai Bank is exploring a "batch, scenario, and grid" service model to improve the coverage and precision of financial services, benchmarking against industry leaders [1] Group 3: Technology Finance - A Technology Finance Department was set up at the head office to innovate "investment-loan linkage" business scenarios and accelerate the exploration of new technology finance development models [1] Group 4: Digital Finance - The bank initiated the second phase of its digital transformation project to enhance digital marketing capabilities and intelligent risk control levels [1] Group 5: Pension Finance - Weihai Bank is enhancing its service capabilities for the elderly demographic to meet the growing financial service needs of this group [1] Group 6: Strategic Deployment - The bank is committed to deepening its strategic deployment of the "Five Major Articles" while ensuring steady performance growth, aligning its growth with social value creation [1]

Group 1: Financial Support for Innovation - Shanghai Rural Commercial Bank has played a crucial role in supporting technology innovation, particularly in the fields of integrated circuits, biomedicine, and artificial intelligence, by developing a financial system that meets the diverse needs of different industries and stages of development [1][2] - The bank has introduced a loan scheme based on "technology milestones" to address the high costs and risks associated with biopharmaceutical innovation, allowing for funding that aligns with the progress of core projects and financing needs [2][3] - The bank's innovative financial solutions have enabled related pharmaceutical companies to secure funding and achieve significant milestones, such as being recognized among the "2024 Shanghai Most Investable Startups" [3] Group 2: Green Finance Initiatives - The bank is actively promoting green finance as a means to achieve the "dual carbon" goals, with initiatives that include the first market-based knowledge property securitization and customized financial products for various industries [4][7] - The bank has launched a green finance brand "Green Xin Tong Zhou" and aims to exceed 100 billion yuan in green financial assets by mid-2025, positioning itself as a leader in green finance within the Yangtze River Delta [7] Group 3: Elderly Care Financial Solutions - With a significant portion of Shanghai's population being elderly, the bank has developed financial products and services tailored to the needs of the aging population, including a regulatory model for prepayment in elderly care institutions [8][9] - The bank has established a comprehensive service brand for elderly finance, focusing on pension finance, elderly service finance, and elderly industry finance, with plans to expand its pension service network significantly by 2025 [9][10] - The "Heart Home" public service project integrates various resources to meet the social and emotional needs of the elderly, enhancing their quality of life [8][10]