市场对于证券公司的核心定位，一度存在两种看似对立的观点：一种观点认为，证券公司应坚持其作为 商业机构的盈利属性，主张股东利益至上；另一种观点则强调，证券公司应坚持金融机构功能属性，社 会责任优先。在章宏韬看来，这两种观点本质上讨论的是证券公司如何平衡功能性与盈利性的关系。 "'以义取利'的理念超越了非此即彼的对立关系，为行业发展指明了方向。"章宏韬表示，"以义取利"根 植于中华优秀传统文化，融合了现代金融可持续发展的要求，让市场认识到证券公司的经济功能、政治 功能与社会功能并非相互割裂，而是深度嵌套、内在统一的有机整体。 在践行经济功能方面，章宏韬表示，证券公司是连接储蓄端与投资端的核心桥梁，通过发挥融资中介、 资源配置、风险管理和财富管理的核心作用，打通"资金—资产—实体"的经济循环，服务实体经济高质 量发展。这一过程本身，就是为国家战略落地提供有力支撑，是"大义"所在。而证券公司自身的高质量 发展、可持续的盈利，是国家税收、股东回报、员工发展的保障，也是更好履行政治与社会功能的物质 基础，这也是金融为民的体现。 编者按 日前，党的二十届四中全会审议通过"十五五"规划建议，明确提出"优化金融机构体系，推动各 ...

市场对于证券公司的核心定位，一度存在两种看似对立的观点：一种观点认为，证券公司应坚持其作为商业机构 的盈利属性，主张股东利益至上；另一种观点则强调，证券公司应坚持金融机构功能属性，社会责任优先。在章 宏韬看来，这两种观点本质上讨论的是证券公司如何平衡功能性与盈利性的关系。 金融是国之重器，以义取利是中国特色金融文化的重要内容。华安证券党委书记、董事长章宏韬日前在接受中国 证券报记者专访时表示，在当前加快建设金融强国的时代背景下，金融工作的政治性、人民性被置于前所未有的 高度。面对功能性与盈利性关系的行业之问，"以义取利"作为中国特色金融文化的重要组成部分，不仅是对传统 义利观的现代诠释，更为行业提供了一把破题的关键钥匙，指引证券机构在更高维度上实现商业价值与社会价值 的统一，为证券机构在复杂环境中实现高质量发展提供了指引。 公司供图 坚守功能性定位 充分践行"以义取利"理念 ■ "夯实文化软实力 积极履责显担当"系列专题报道 经过三十多年的发展，华安证券深刻认识到，合规是最大的"义"，风控是长远的"利"。章宏韬表示，华安证券坚 持义利平衡的经营观、治理观、风险观，强化防范应对风险的底线思维，使依法合规成为全员 ...

Core Viewpoint - The concept of "Yili Qili" (义取利) is emphasized as a crucial part of China's financial culture, guiding securities firms to balance commercial value and social value in the context of building a strong financial nation [1][2]. Group 1: Functionality and Profitability - There are two opposing views regarding the core positioning of securities companies: one prioritizes profit for shareholders, while the other emphasizes social responsibility [2]. - The "Yili Qili" concept transcends this dichotomy, suggesting that the economic, political, and social functions of securities firms are interconnected and should be viewed as an organic whole [2][3]. - Securities companies serve as a vital bridge between savings and investments, facilitating economic cycles and supporting the high-quality development of the real economy [2]. Group 2: Political and Social Functions - Securities firms utilize capital market tools to support national strategies, focusing on key areas such as technological independence and green development [3]. - The social function of securities firms includes promoting inclusive finance and investor education, ensuring that financial services benefit a broader population [3][6]. - The essence of "Yili Qili" is achieving a dynamic balance among the three major functions of securities firms, aligning political, social, and economic goals [3]. Group 3: High-Quality Development - The "Yili Qili" culture is embedded in the path toward high-quality development for securities firms, requiring a balance between various important relationships [4]. - The company integrates the "Yili Qili" philosophy into its governance and operational practices, emphasizing long-term thinking and sustainable growth [5]. - Compliance and risk management are viewed as essential components of the "Yili" and "Li" balance, with a focus on establishing a comprehensive risk management system [5]. Group 4: Contribution to National Strategy - The effectiveness of "Yili Qili" is reflected in the company's contributions to the political and social dimensions of financial work [6]. - The company enhances its service capabilities through a systematic approach, focusing on innovation and supporting emerging industries [6][7]. - The company actively engages in national strategies, such as the integration of the Yangtze River Delta, and promotes investor education to foster a rational investment mindset among small investors [7]. Group 5: Future Outlook - The company aims to align with national strategic deployments and deepen its understanding of the "Yili Qili" concept, exploring optimal paths for high-quality development [7].

"在践行政治功能方面，证券公司通过资本市场工具服务国家战略落地，将资源导向科技自立自强、绿 色低碳、区域协调发展的关键领域。"章宏韬表示，这固然伴随不确定性，但这更多是响应并融入国家 战略、产业政策、金融政策，把握政策红利、布局未来产业、构筑长期核心竞争力的必然选择，这要求 证券机构具备超越短期财务回报的战略眼光，正是"以义取利"的实践。 ● 本报记者 徐昭 林倩 坚守功能性定位 充分践行"以义取利"理念 市场对于证券公司的核心定位，一度存在两种看似对立的观点：一种观点认为，证券公司应坚持其作为 商业机构的盈利属性，主张股东利益至上；另一种观点则强调，证券公司应坚持金融机构功能属性，社 会责任优先。在章宏韬看来，这两种观点本质上讨论的是证券公司如何平衡功能性与盈利性的关系。 "'以义取利'的理念超越了非此即彼的对立关系，为行业发展指明了方向。"章宏韬表示，"以义取利"根 植于中华优秀传统文化，融合了现代金融可持续发展的要求，让市场认识到证券公司的经济功能、政治 功能与社会功能并非相互割裂，而是深度嵌套、内在统一的有机整体。 在践行经济功能方面，章宏韬表示，证券公司是连接储蓄端与投资端的核心桥梁，通过发挥融资中 ...

Core Viewpoint - The establishment of a strong financial culture rooted in Chinese characteristics is essential for the development of a financial powerhouse, emphasizing the importance of integrating traditional culture into modern financial practices [1][2]. Financial Culture Development - The Qingdao Branch of Bank of Communications emphasizes the cultivation and promotion of Chinese financial culture as a key task, integrating it into all aspects of its operations [2][3]. - The bank's leadership prioritizes the establishment of a unified leadership structure to enhance compliance and governance, ensuring adherence to laws and regulations [2][3]. Compliance and Risk Management - The bank has made compliance culture a top priority, conducting extensive education and training on internal controls and compliance, fostering a culture of compliance among all employees [3][4]. - Regular analysis of typical cases and the creation of warning materials are employed to educate employees on correct operational and risk perspectives [4]. Innovation and Service Quality - The bank focuses on "guarding integrity while innovating," ensuring that financial services remain grounded in real economic needs while continuously innovating products and services [5][6]. - As of August, the bank's loans to technology enterprises reached 24.987 billion, with a year-to-date increase of 4.418 billion, reflecting a growth rate of 21.48% [6]. Green and Inclusive Finance - The bank actively supports green finance initiatives, with green loan balances exceeding 32 billion as of August, and is involved in projects that integrate clean energy with modern agriculture [7]. - The bank's inclusive finance strategy has resulted in a 27% increase in inclusive loans, demonstrating its commitment to supporting small and micro enterprises [8]. Rural and Elderly Financial Services - The bank has tailored its services to support rural revitalization, with agricultural loans increasing by over 10% year-to-date, significantly outpacing other loan categories [8]. - The bank has developed a comprehensive pension financial service system, opening 344,600 personal pension accounts and increasing loans to the elderly care industry by over 83% [12]. Digital Financial Services - The bank enhances customer experience through digital financial services, including the establishment of a comprehensive online platform for public services, facilitating over 80 self-service transactions [9]. - The bank has implemented a leading digital RMB payment system, expanding its application scenarios in the local economy [9]. Commitment to Social Responsibility - The bank adheres to the principle of "finance for the people," serving nearly 4.95 million citizens, which is about 50% of the local population, and has been recognized for its consumer rights protection efforts [11][13]. - The bank has introduced innovative services for flexible employment and retirement, receiving national recognition for its contributions to social security [12].