登录新浪财经APP 搜索【信披】查看更多考评等级 转自：新华财经 近年来，建设银行深入贯彻"以人民为中心"的价值取向，秉承"以客户为中心"理念，围绕便民惠民、养 老保障、住房安居、普惠金融、扶贫扶弱、支农支小、助企纾困、金融教育、信息保护、反诈防非等内 容，体系化构建"为民办实事"工作机制，组织开展九大专项行动，面向对公客户发布一系列惠民利民举 措，面向零售客户开展一系列便民服务，办理群众身边可知可感的"关键小事"，解决好人民群众普遍关 心的突出问题，持续提升金融服务的可得性和满意度。 统筹谋划，四个工作原则，保障机制扎实落地 坚持"总分协同，矩阵输出"原则。构建集团消保一体化服务模式，形成"横向到部门、纵向至分行及子 公司"的总分协同推进格局，从集团消费者权益保护视角出发，纵向打造"总、分（省／市）、支行、网 点"四级工作传导机制，充分调动总行部门积极性，形成合力，确保政策精准传导、精准施策。横向构 建覆盖"部门、子公司"的矩阵输出模式，梳理并推出切实解决百姓急难愁盼问题的举措，在为基层减负 的同时，高效推动办实事工作落地。 坚持"服务优先，突出实效"原则。面向大众客户，包括"一老一少一新"、少数民族、残障 ...

Core Insights - Shandong's financial system has effectively utilized financial tools to drive growth in key sectors, achieving a loan balance of 6.7 trillion yuan in technology, green, and inclusive finance, with a year-on-year growth of 16.3%, surpassing the average loan growth rate by 7.8 percentage points [1][3] Financial Policy and Tools - The People's Bank of China has implemented structural monetary policy tools, including nine reductions in the statutory reserve requirement ratio, releasing approximately 460 billion yuan in long-term funds, enhancing credit capacity for financial institutions [3] - The "central bank funds + financial institution matching" leverage model has led to an increase of 12.11 trillion yuan in agricultural loans and 23.165 trillion yuan in small micro-loans since the start of the 14th Five-Year Plan [3] Sector-Specific Financial Support - In the technology innovation sector, the Jinan Innovation Financial Reform Pilot Zone has seen a loan balance of 303.978 billion yuan, a 176.7% increase since its approval, with high-tech industries accounting for 68.68% of industrial output [4] - The green finance system has supported 170.167 billion yuan in financing through green bonds and other innovative products during the 14th Five-Year Plan [4] Rural and Inclusive Finance - Inclusive agricultural loans reached 962.093 billion yuan, doubling since the end of 2020, with a 7.96% increase in loans to major grain-producing counties [5] - The financial sector has introduced products like "Virtue Points Loan" to support specific agricultural products, and small loans have benefited 59,600 impoverished households, amounting to 2.625 billion yuan [5] Overall Financial Growth - As of September 2025, Shandong's total social financing reached 25.6 trillion yuan, and the balance of domestic and foreign currency loans was 16.2 trillion yuan, marking growth of 67.8% and 65.4% respectively since the end of 2020 [5] - The average interest rate for newly issued corporate loans was 3.61%, down 1.06 percentage points from the end of 2020, benefiting small and micro enterprises significantly [5]

Group 1: Financial Performance in Jiangsu - As of June, the total balance of loans in Jiangsu reached 28.09 trillion yuan, with a year-on-year growth of 9.8% [1] - New loans added amounted to 2.09 trillion yuan, an increase of 152.9 billion yuan compared to the previous year [1] - The total social financing scale increased by 2.63 trillion yuan, which is 434.4 billion yuan more than the previous year [1] Group 2: Support for Manufacturing Sector - The Jiangsu Supe Group's integrated project for vinyl acetate and EVA is supported by a 2.2 billion yuan syndicated loan from major banks [2] - The balance of medium to long-term loans for the manufacturing sector grew by 15.1%, outpacing the overall loan growth by 5.3 percentage points [2] Group 3: Financial Products for Innovation - Diverse financial products like "Talent Loans," "Achievement Transformation Loans," and "Specialized and Innovative Loans" are being developed to meet the financing needs of technology enterprises [3] - The "Su Chuang Loan" initiative enhances financial support for key areas such as technology transformation and equipment upgrades [3] - By July 25, 240.4 billion yuan in technology innovation bonds were issued, covering various stakeholders in the financial ecosystem [3] Group 4: Agricultural Financing Initiatives - The "Su Nong Grain Trade Loan" provided credit support to grain purchasing enterprises facing funding shortages during harvest seasons [4] - Over 6,600 agricultural operators benefited from a streamlined loan approval process in the first half of the year [4] - The balance of loans in key agricultural sectors reached 1.01 trillion yuan, reflecting a year-on-year growth of 19% [4] Group 5: Targeted Financial Support - The People's Bank of China is utilizing structural monetary policy tools to direct financial resources towards agriculture, green development, and the elderly care industry [5] - Notable loans include a 34 million yuan loan for a "near-zero carbon factory" and 58 million yuan for crab industry projects [5] - By June, the balance of green credit increased by 871.2 billion yuan since the beginning of the year [5] Group 6: Consumer Market Activation - The "Su Chao" initiative has significantly boosted local agricultural products, with daily sales of peaches reaching 300-500 boxes [6] - Agricultural Bank of China has provided over 1.2 billion yuan in loans for various peach-related projects, supporting local agricultural development [6] Group 7: Policy Support for Consumption - The People's Bank of China and other departments have introduced 19 key measures to enhance financial support for service consumption and the elderly care sector [7] - Banks are expanding their consumer loan offerings into new consumption areas, enhancing digital capabilities to meet evolving market demands [7] - Future efforts will focus on optimizing policy implementation to stimulate domestic demand and support high-quality economic development [7]

Group 1: Core Business and Technological Advancements - Sichuan Bank has enhanced its core system's concurrent processing capability by 28 times, resulting in faster customer response times and improved service experience [1][3] - The bank's digital transformation, initiated in 2022, has led to the establishment of a comprehensive architecture covering business, application, technology, data, and security [2][3] - The new disaster recovery system allows for a recovery time objective (RTO) of less than 15 minutes and a recovery point objective (RPO) approaching zero, setting a benchmark for small and medium-sized banks [3] Group 2: Green Finance Initiatives - Sichuan Bank's green loan balance reached 16.5 billion yuan, a nearly 60-fold increase since its inception, with an annual compound growth rate exceeding 230% [5] - The bank has developed a "green finance" service system that integrates financing and intelligence, supporting low-carbon development initiatives [4][5] - The first sustainable development-linked loan for a high-carbon industry in Sichuan was issued by the bank, expected to save 13,000 tons of standard coal and reduce carbon dioxide emissions by 22,800 tons annually [5] Group 3: Inclusive Financial Services - The "Shu Nong One Card" has been issued to over 400,000 users, facilitating access to various financial services for rural residents [6] - Sichuan Bank has implemented a rural revitalization financial model that integrates credit services and support networks, establishing 66 "Shu Nong Benefit Stations" across 14 cities [6] - The "Anyi Panda Cultural Tourism One Card" has been launched, integrating over 38,000 merchants and driving consumption of 4.5 billion yuan [7] Group 4: Support for Strategic Industries - Sichuan Bank provided 1.13 billion yuan in credit to the Sichuan Yongying new materials project, demonstrating its commitment to supporting strategic emerging industries [8] - The bank has created over 200 financial products, including "Chuan Yin Sci-Tech Loan" and "Chuan Yin Intelligent Manufacturing Loan," to better serve various sectors [9][10] - The bank's loan balance exceeded 240.7 billion yuan, with an investment business balance of over 190 billion yuan, achieving an annual growth rate of over 35% [8][10]