当一家国有大行成为北京城市副中心建设的"合伙人"，将擦出怎样的火花？ 面对北京城市副中心"科技创新高地""国家绿色发展示范区""国际消费枢纽"的体系建设，邮储银行北京 分行以"五篇大文章"为纲，精准匹配区域发展需求，打造差异化金融服务体系。 科技创新是副中心高质量发展的核心引擎，也是邮储银行北京分行的重点发力方向。该行构建起"一体 多翼"创新模式，其视频移动营业厅车贷面签业务已服务超6万名客户，提供资金支持逾125.67亿元。针 对科创企业融资难题，2025年4月举办的"邮企通行，创引未来"新质创富大赛（通州赛区），让9家生物 医药、智能驾驶领域的优秀企业脱颖而出，该行联动提供超数十亿元贷款，形成"金融+产业"的赋能闭 环，为新城注入新质生产力。 作为国家绿色发展示范区，城市副中心的生态建设离不开金融的硬核支撑。邮储银行北京分行成立碳达 峰碳中和领导小组，创新"碳账户+信贷审批"模式，引导金融资源向绿色产业倾斜。多家绿色特色专营 机构相继落地，"降碳贷"等产品精准对接企业减排需求，为零碳算力园区等项目提供有力支持。目前， 该行绿色贷款余额已达952亿元，获评"气候友好型金融机构"，用金融杠杆推动城市副中心天更 ...

"技术创新的价值在于服务场景、创造价值。"华为相关负责人表示，此次合作是鸿蒙"万物互联，场景 为王"理念的成功实践。科蓝软件负责人也强调，"小蓝"是金融场景与智能技术的深度融合，将推动行 业智能化转型。 目前，"小蓝"已依托中国22万网点扎根本土市场，同时借助全球超百万网点布局辐射国际，其在降本增 效、优化服务体验上的显著优势，已获得金融机构广泛关注。随着解决方案的落地推广，智慧金融的市 场潜力将持续释放，万亿蓝海正加速启航。(燕云) 近日，华为与科蓝软件（300663）联合举办"领航智慧金融-鸿蒙联合创新解决方案"启动仪式，正式推 出鸿蒙智能机器人"小蓝"及鸿蒙智能网点整体解决方案。双方以场景创新破解金融服务痛点，依托中国 22万网点核心布局与全球超百万网点联动优势，助力智慧金融迈入万亿蓝海新阶段。 传统金融服务中，网点排队拥堵、业务衔接断层、远程交互欠缺等问题突出，难以满足用户智能化、便 捷化需求。此次推出的"小蓝"机器人，精准定位高柜人工替代、智能厅堂构建等核心场景，通过华为鸿 蒙系统、AI及计算机视觉技术，结合科蓝软件深耕金融领域的业务经验，实现高精度语音交互、人脸 识别、全流程业务协同办理等功能，让 ...

Core Viewpoint - The company emphasizes the authenticity and completeness of its quarterly report, ensuring no false records or significant omissions exist, and holds legal responsibility for the report's content [2][3]. Financial Data - The financial statements for the third quarter are not audited, indicating preliminary figures [3][8]. - The company reported significant growth in revenue from clients other than its major client, Agricultural Bank of China, with nearly 90% of revenue coming from other sources, reflecting a year-on-year increase of 135.52% [5]. Shareholder Information - The report includes details on the total number of ordinary shareholders and the status of major shareholders, although specific figures are not provided [4]. Other Important Information - The company is focusing on market expansion and diversification, particularly in smart finance and urban management sectors, while also exploring opportunities in government services and smart education [5]. - The framework contract with Agricultural Bank of China is set to expire in September 2025, prompting the company to actively pursue project opportunities with the bank [5].

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) plays a significant role in facilitating global trade and investment opportunities through its participation in the China International Import Expo (CIIE), enhancing its financial services and support for international businesses [1][3][5]. Group 1: Participation in CIIE - ICBC has been a comprehensive partner of the CIIE for eight years, enhancing its involvement through various activities such as hosting the China-Europe Entrepreneurs Conference and organizing forums [1][3]. - The bank has successfully transitioned from a traditional "merchant" model to a "sitting merchant" model, allowing foreign enterprises to efficiently connect with Chinese businesses at the expo [3][5]. - In the seventh CIIE, ICBC's exhibition area expanded to 1,000 square meters, featuring 131 exhibitors and 717 products from 45 countries and regions, marking a record high in participation [3][5]. Group 2: Support for International Businesses - ICBC has identified challenges faced by foreign SMEs in accessing the Chinese market and has created a platform to help them showcase their products and connect with potential buyers [5][6]. - The bank's comprehensive support includes facilitating cross-border transactions, financing, and providing a full-cycle service model that assists companies from exhibition to market entry [5][6]. - Successful case studies, such as the experience of the Riki Olan Group, highlight how ICBC's financial services and global network have enabled foreign brands to penetrate the Chinese market effectively [5][6]. Group 3: Financial Services and Infrastructure - ICBC has established a systematic service framework for the CIIE, ensuring year-round support for participating enterprises in areas like cross-border settlement and financing [6][7]. - The bank aims to enhance its cross-border matching services and upgrade its product offerings to meet the diverse needs of exhibitors and buyers in international trade [6][7]. - ICBC's volunteer program has engaged over 2,600 volunteers, providing services to more than 20,000 guests and entrepreneurs from around the world, showcasing its commitment to supporting the CIIE [7].

Group 1 - The company showcased its development dynamics and potential in financial technology and smart transportation during recent investor research activities [1][2] - The GEC 2025 Summit, themed "AI Empowerment, Digital Innovation, Smart Finance," attracted nearly 400 professionals from over 70 countries, highlighting the company's innovative achievements [3] - The company has established a strong presence in the international market, with eight branches covering 120+ countries, leveraging its domestic digital transformation experience [3] Group 2 - The smart transportation business has made significant progress, with successful bids for multiple overseas projects in regions like India and Thailand [3] - The company has a solid technological foundation in vertical scene robotics, collaborating with major banks to enhance operational efficiency [3] - The Guangdian Wuzhou's revenue and profit have both increased, capitalizing on domestic opportunities and deepening partnerships with major tech firms [3] Group 3 - The North Bay Digital RMB platform has launched two nationwide first scenarios, promoting the application of digital RMB in cross-border trade [3] - The "Digital RMB + Smart Contracts + Border Trade" model is central to the platform's strategy, attracting over 2000 merchants to accelerate regional adoption [3]

Group 1 - The company, Chanzhan Optoelectronics, produces interactive display screens that can be utilized in various fields, including robotics control and display applications [2] - The company's products include human-machine interaction all-in-one machines, touch screens, and touch modules, which are widely used in smart retail, intelligent cockpits, smart industrial control, and smart finance [2] - The company indicates that its products can also be applied in emerging industries related to display technology, such as robotics [2]

Core Viewpoint - The "Smart+" transformation led by Agricultural Bank of China in Xilin Gol is reshaping the traditional beef trading ecosystem, enhancing efficiency and transparency in transactions [1][2]. Group 1: Traditional Trading Challenges - Traditional beef trading relied heavily on cash transactions, which posed risks of counterfeit money and difficulties in record-keeping, leading to disputes and inefficiencies [1]. - The role of cattle brokers is crucial as they connect herders with end markets, but the old cash-based system limited their operational efficiency and profitability [1]. Group 2: Implementation of "Smart+" Platform - The "Smart+" platform digitizes the entire trading process, allowing for online order placement, on-site verification, electronic contracts, and quick payments, significantly improving transaction efficiency [2]. - As of August, the platform has facilitated 27,000 transactions worth 770 million yuan, showcasing its rapid adoption and impact on the market [2]. Group 3: Transformation of Brokers - Brokers are increasingly residing at the trading market, benefiting from the platform's transparency and quick settlement, which allows them to capitalize on market opportunities more effectively [3]. - The average beef price has increased by approximately 30% compared to the previous year, motivating farmers to engage more actively in the market [3]. Group 4: Credit and Financial Services - The platform has established a credit system by recording transaction data, enabling the Agricultural Bank to offer credit products to brokers based on their transaction history [4]. - By August 31, the bank had issued over 68 million yuan in loans to more than 380 brokers, demonstrating the financial support available through the platform [4]. Group 5: Industry-Wide Upgrades - The "Smart+" platform not only connects herders, brokers, and buyers but also provides value-added services such as real-time market data and traceability for livestock [5]. - The bank is extending the "Smart+" model to surrounding regions, enhancing the overall livestock trading ecosystem and creating a ripple effect across the industry [6].

Core Insights - The article discusses the launch of a new inclusive financial product "Smart Loan e-Loan" by Bank of Communications Shanghai Branch in collaboration with the Shanghai Policy Financing Guarantee Fund Management Center, aimed at supporting the development of small and micro enterprises in Shanghai [1][2]. Group 1: Product Features - "Smart Loan e-Loan" focuses on the four stability tasks: stabilizing employment, enterprises, markets, and expectations, through a collaborative innovation of "digital + finance + guarantee" [1]. - The product innovatively constructs a multi-dimensional data evaluation system to address financing bottlenecks, allowing for a more accurate assessment of small and micro enterprises' financial health [1]. - The product utilizes real-time data interaction and intelligent dynamic management mechanisms to enhance risk monitoring and ensure effective use of guarantee funds [2]. Group 2: Service Efficiency - The product features a simplified process with "intelligent credit assessment and self-service withdrawal," significantly improving the efficiency of inclusive financial services [2]. - Since its launch on July 11, the product has provided financing support to 77 small and micro enterprises, with a total credit amount of 368 million yuan [2]. - The collaboration with China Export & Credit Insurance Corporation aims to enhance support for foreign trade enterprises by addressing financing difficulties through a combination of special financing quotas and interest rate subsidies [2]. Group 3: Future Plans - The Bank of Communications Shanghai Branch plans to deepen its strategic cooperation with the financing guarantee center, focusing on key areas such as foreign trade, green finance, and livelihood, to enhance the precision and effectiveness of financial resource allocation [2].

Core Insights - The forum focused on the theme of "Digital Finance in the Age of Artificial Intelligence," discussing the current state of digital finance, technology applications, and regulatory governance [1][4] Group 1: Digital Economy Growth - In Q1 2025, China's digital economy continued to show strong growth, with core industry value-added growth reaching double digits, significantly outpacing GDP growth [1] - The value-added of digital manufacturing increased by 11.5% year-on-year, while the value-added of digital services grew faster than the overall service sector by 5 percentage points [1] - Investment in emerging fields such as artificial intelligence and humanoid robots is surging, with electronic information manufacturing and information services seeing investment growth of 10.1% and 10.5%, respectively [1] Group 2: AI and Financial Institutions - Large model applications, represented by DeepSeek, are seen as key breakthroughs in digital finance, enabling small and medium financial institutions to achieve "AI equity" [2] - Financial institutions are focusing on efficiency in technology investments, with the securities industry leading in investment intensity among sub-industries [2] - The construction of a financial data market is accelerating, with institutions exploring innovative models such as data asset securitization [2] Group 3: Regulatory Governance - A governance loop involving six stakeholders, including financial institutions, regulatory bodies, and technology companies, is recommended to address development bottlenecks [2] - Financial institutions are advised to carefully assess technology adaptability, while regulatory bodies should implement tiered management and enhance regulatory technology [2] Group 4: Future Outlook - Experts predict that digital finance will become a foundational infrastructure, enhancing service accessibility through technology, data, and regulation [3] - AI large models are expected to help Chinese financial institutions gain international competitiveness, necessitating the simultaneous improvement of regulatory frameworks [3] - The transition from "digital finance" to "smart finance" is anticipated, with an explosive growth in industry intelligence [3][4]

Group 1 - The core viewpoint of the article highlights the collaboration between Industrial Bank Jinan Branch and Shandong Qipin Catering Management Co., Ltd. to address the financial management challenges faced by small and medium-sized enterprises in the catering industry through the "Financial Cloud Management System" [1] - The catering industry representative, Qipin Catering, previously struggled with financial management bottlenecks due to a single-function financial service system and cumbersome service processes, which hindered fund circulation efficiency and operational flexibility [1] - The "Financial Cloud Management System" features account management, fund collection, and intelligent settlement, enabling real-time monitoring of funds across multiple stores and facilitating cross-regional settlements, resulting in a 40% increase in monthly settlement efficiency [1] Group 2 - Future collaboration will focus on deepening partnerships in supply chain finance and digital operations, with the Jinan Branch leveraging the "Financial Cloud" platform to provide comprehensive solutions for more SMEs, aiding their transition to intelligent and refined management [2]