Core Viewpoint - Postal Savings Bank of China (PSBC) has shown significant growth in corporate loans, indicating a strategic shift towards corporate finance that aligns with industry trends [1][2]. Group 1: Corporate Loan Growth - As of June 2025, PSBC's corporate loans increased by 541.098 billion yuan, a growth of 14.83%, with a year-on-year increase of 222.924 billion yuan [1]. - The proportion of corporate loans in the total credit volume rose from 62% at the end of 2021 to 67% in the first half of this year, with corporate credit accounting for 75% of new credit in June [1]. Group 2: Strategic Initiatives - PSBC has implemented a "1+N" operational and service system focused on customer-centricity, aiming to cultivate loyal and high-return corporate clients [2]. - The bank has seen a 62% increase in its main bank clients in the first half of the year, with these clients contributing 1.93 times the revenue and 1.33 times the risk-adjusted return on capital compared to general corporate clients [2]. Group 3: Operational Efficiency and Performance - PSBC has established an integrated service system that enhances operational efficiency by breaking down barriers between departments and optimizing traditional workflows [2]. - The total assets of corporate loans exceeded 4 trillion yuan, and the financing volume for corporate clients surpassed 6.4 trillion yuan, maintaining double-digit growth for three consecutive years [3]. - The new loan yield for PSBC's corporate loans is consistently about 30 basis points higher than the industry average, while the interest rate on liabilities is 20 basis points lower than peers, with a non-performing loan ratio of 0.49%, down 5 basis points from the end of last year [3].

Core Viewpoint - The article emphasizes the importance of understanding finance through a humanistic lens, advocating for a return to the core values of finance as a tool for value creation rather than value extraction [24][25]. Group 1: Financial Industry Challenges - In the first half of 2025, 43 payment institutions were fined nearly 160 million yuan due to anti-money laundering issues, and Haier Consumer Finance was fined 2.3 million yuan for collection violations, highlighting risk management vulnerabilities [9]. - The non-performing loan ratio of commercial banks rose to 2.8%, and valuations of Hong Kong-listed banks hit a ten-year low, indicating a trend of international capital withdrawal [9]. - The cryptocurrency market faced turmoil, with Layer 2 projects collapsing and exchanges imposing bans, revealing governance issues within the industry [9][10]. Group 2: Humanistic Approach to Finance - The article discusses the need for financial professionals to better explain their work to regain public trust, emphasizing that finance should create value rather than extract it [10][11]. - Michal DeSai, a Harvard professor, suggests that integrating financial principles with literature, history, and philosophy can enhance practitioners' understanding and resistance to corruption [11][12]. - The narrative includes a parable illustrating the dual nature of finance, portraying it as both noble and deceitful, which reflects the complexities of human nature [12][13]. Group 3: Understanding Risk and Probability - The article highlights that finance provides tools to navigate a world filled with risks and uncertainties, emphasizing the importance of understanding probability [16][20]. - Historical perspectives on risk reveal that the understanding of probability evolved over time, transitioning from divine intervention to rational analysis [15][16]. - The concept of insurance is presented as a practical application of risk management, emphasizing the collective sharing of risk among individuals [19][20]. Group 4: Conclusion on Financial Wisdom - The essence of financial wisdom is rooted in human nature, navigating the tension between nobility and deceit, and is fundamentally about managing risk and creating value [24]. - The article concludes that the ultimate mission of finance is not merely numerical manipulation but empowering individuals to navigate their lives with dignity amidst uncertainty [24].