11月19日至21日，由深圳市人民政府主办的第十九届深圳国际金融博览会（以下简称"金博会"）在深圳会展中心（福田）9号馆启幕。本届展会以"产业金融 新高地，科创赋能向未来"为主题，围绕金融"五篇大文章"核心主线聚焦"科技—产业—金融"高水平循环，展览面积达1.5万平方米，吸引全球多个国家和地 区288家机构及企业参展，设置产业金融、金融科技、跨境金融等九大特色主题展区，成为展现深圳金融改革创新成果、链接全球金融资源的重要窗口。 作为中信银行信用卡业务全国总部，中信银行信用卡中心自2002年在深筹建、2008年正式注册以来，始终扎根深圳金融创新沃土，构建起覆盖全国的信用卡 业务运营体系。截至2025年上半年，累计发卡量突破1.26亿张，实现效益、质量、规模协同发展，此次亮相持牌金融展区，携科技金融、绿色金融、普惠金 融、养老金融、数字金融五大领域实践成果，以"让财富有温度"为品牌内核，通过场景化展示、互动体验、专人讲解等形式，全景呈现服务实体经济、惠及 民生消费的创新实践。 科技与数字金融成果以安全为核心，进一步夯实服务根基，现场重点呈现"银联 - Visa 双标磁条卡芯片化升级"成果，升级后的芯片卡兼容境内外 ...

Core Insights - CITIC Bank has been recognized as the only bank to receive the ecological brand certification for four consecutive years, showcasing its transformation from providing financial functions to co-creating user value [1][6] - The ecological brand certification is initiated by authoritative institutions, covering nearly a thousand brands across over 30 industries globally, with CITIC Bank leading in dimensions such as user experience, open collaboration, and social value contribution [3] Group 1: Brand Recognition and Strategy - CITIC Bank has established itself as a benchmark for sustainable and ecological brand building in the banking industry, with three major cases included in the "Ecological Brand Development Report (2025)" [3] - The bank emphasizes its core value of "trust" since its establishment in 1987, leveraging the comprehensive advantages of CITIC Group to deepen industry-finance collaboration and create a differentiated financial service system [3][6] Group 2: Rural Revitalization and Cross-Border Services - CITIC Bank has launched a "1+5+5" comprehensive service system for rural revitalization, focusing on a dual-driven model of "digital inclusion + industry collaboration" to inject financial vitality into rural industries [4] - The bank's "Global Financial" services encompass a full lifecycle support network, including visa services and education planning, serving 27 million individuals and covering over 40 countries [4] Group 3: Green Finance Initiatives - CITIC Bank has developed the "CITIC Carbon Account," the first personal carbon account led by a bank in China, transitioning from carbon measurement to carbon assets [5] - As of August 2025, the bank has achieved over 20 million tons of cumulative carbon reduction through its platform, establishing a benchmark for green transformation in the banking sector [5][6] Group 4: Future Directions - The bank aims to continue enhancing its open collaboration, technological empowerment, and international expansion, contributing to the construction of a more inclusive, efficient, and sustainable financial ecosystem [6]

Core Viewpoint - CITIC Bank is committed to promoting green finance and sustainable development, aligning with the philosophy that "lucid waters and lush mountains are invaluable assets" [4][10]. Group 1: Green Finance Initiatives - CITIC Bank has established a comprehensive governance structure for sustainable development, including a green finance development plan for 2024-2026 [4]. - The bank's green credit balance has exceeded 600 billion yuan, actively supporting industries and projects that align with green development trends [5]. - Innovations in green financial products include the issuance of the first overseas green bond and the launch of the first domestic biodiversity-themed bond index [5][6]. Group 2: Regional Contributions - Various branches of CITIC Bank are implementing green finance initiatives, such as: - Beijing branch supporting carbon reduction projects [6]. - Tianjin branch providing 110 million yuan in loans for a major seawater desalination project [6]. - Shanghai branch introducing CCER pledge loans for green low-carbon transitions [6][7]. Group 3: Climate Risk Management - CITIC Bank has developed a robust climate risk management system and is a supporter of TCFD and a member of the "Climate Investment and Financing Alliance" [10]. - The bank has established a management mechanism for climate risk identification, assessment, and response, integrating climate risk into its overall risk management framework [12][13]. Group 4: Low-Carbon Operations - The bank has incorporated low-carbon principles into its operational management, implementing guidelines to manage environmental footprints across various dimensions [14]. - Initiatives include promoting paperless operations and energy-saving renovations, with the Huzhou Deqing branch achieving LEED Gold certification for green building [15].

Core Viewpoint - Under the guidance of carbon peak and carbon neutrality policy goals, ESG (Environmental, Social, and Governance) has become a "must-answer question" for financial institutions, with banks increasingly focusing on green finance to promote the real economy [1] ESG Disclosure - State-owned large banks have released more comprehensive and standardized ESG reports this year, with six major state-owned banks publishing their 2021 annual and ESG reports during the reporting season [1] - Bank of China has published its ESG report for the 15th consecutive year, including 146 ESG evaluation indicators, an increase of 54 from the previous year [2] - China Construction Bank has also been active in social responsibility reporting, achieving positive results in poverty alleviation and supporting small and micro enterprises [2] - Agricultural Bank of China has established a strategic planning and sustainable development committee to enhance its green finance business [3] - Industrial and Commercial Bank of China has focused on supporting green low-carbon industries and has implemented an environmental risk management system [3] - Many city commercial banks and rural commercial banks have also begun to release their first ESG reports, indicating a growing emphasis on ESG practices across the banking sector [4] Green Product Innovation - State-owned banks have made significant progress in diversifying green financial products and services, with Bank of China launching over 40 green financial products across 15 areas [5] - Innovative credit products like renewable energy subsidy loans have been introduced, with China Construction Bank successfully providing a low-cost green loan to a renewable energy company [6] - Agricultural Bank of China has launched a carbon service system, becoming the first major commercial bank to connect with the national carbon trading system [6] - The issuance of green financial bonds has also seen significant growth, with Industrial and Commercial Bank of China issuing the first carbon-neutral green financial bond in the domestic market [7] Transition Finance - Despite the growth of green financial products, there remains a gap between supply and investor demand, particularly for renewable energy and low-carbon transportation investments [9] - Transition finance is emerging as a key area of focus, with banks encouraged to support high-carbon industries in their transition to greener practices [9][10] - The establishment of a unified regulatory framework for green finance is deemed essential for attracting mature investors and products to the market [11]