北京初冬的一个上午，暖阳透过玻璃门，洒落在邮储银行北京通州区运河商务区支行的大堂前，多语种AI透明屏、"邮你相伴"智慧屏、鸿蒙生态银行体验 区……科技元素交织，一幅数字银行的生动画面，就在眼前。 其实，多语种AI透明屏翻译设备只是"入门"序曲。 当您刚刚用身份证在鸿蒙智能叫号机上取到号，就会有邮储银行北京通州区运河商务区支行工作人员迎上前来，引导您来到鸿蒙ITM（即智能柜员机）设备 前办理业务、推荐相关金融产品。据邮储银行北京分行运河商务区支行客户经理尤肖璇介绍，在客户取号时，到店信息即同步传输到她所佩戴的手环上。 更轻的重量，是为了承载更"重"的场景。在这里，鸿蒙生态实现了叫号机、手环、平板等多设备互联，形成一套流畅的智能服务动线。客户最终通过ITM进 入邮储银行操作系统，完成查询、转账等操作。尤肖璇指出，鸿蒙ITM设计更简洁，无需插卡，贴近感应区即可读取信息，屏幕还设有遮挡区，有效保护隐 私。 对于偏好电子交互的客户，"邮你相伴"智慧屏则根据客户所处人生阶段，嵌入教育、创业、养老等场景，提供个性化理财建议；AI数字人一体机"小邮同 学"不仅能查询天气、股市，还可为客户推荐最为匹配的金融产品，实现自然语音互 ...

Group 1: Banking Sector Performance - A-share listed banks reported stable performance in the first three quarters of the year, showcasing a steady operational trend with notable highlights [1] Group 2: Urban-Rural Integration and Regional Development - The banking sector is actively supporting urban-rural integration and regional coordinated development as part of a significant national strategy [2] - Industrial and Commercial Bank of China (ICBC) has allocated nearly 3.5 trillion yuan in loans for new urbanization projects and over 5 trillion yuan for agricultural loans, with significant investments in poverty alleviation counties [2] - Agricultural Bank of China has increased its loan balance in key rural revitalization counties to 481.2 billion yuan, marking a growth of 10.21%, and in poverty-stricken counties to 2.52 trillion yuan, with a growth of 10.66% [3] Group 3: High-Level Opening Up - The banking sector is contributing to high-level opening up, which is a strategic choice to enhance national security and respond to external uncertainties [4] - Bank of China has been actively involved in the Belt and Road Initiative, maintaining a leading position in the issuance of panda bonds and offshore RMB bonds, with a global custody scale of 4.8 trillion yuan [5] - Construction Bank has enhanced its international competitiveness and supported cross-border e-commerce, with settlement volumes exceeding 400 billion yuan [5] Group 4: Digital Transformation - Digital transformation is a critical focus for banking institutions, with ongoing efforts to enhance digital infrastructure and service efficiency [6] - Bank of Communications has improved its digital service capabilities, achieving significant user engagement with its mobile banking applications and open banking interfaces [7] - Postal Savings Bank is leveraging digital technology to enhance operational efficiency and customer experience through initiatives like remote services and digital personnel [8]

Financial Performance - In the first half of 2025, the company's revenue was 6,366,241,242.46 yuan, a year-on-year decrease of 4.78% [2][3] - The net profit attributable to shareholders was 138,251,254.08 yuan, a significant recovery from a loss of 421,517,389.43 yuan in the same period last year [2][3] - The net loss after deducting non-recurring gains and losses was 427,115,654.46 yuan, slightly worse than the loss of 423,675,729.05 yuan in the previous year [2][3] - The net cash flow from operating activities was -845,463,140.38 yuan, an improvement from -1,374,324,766.64 yuan year-on-year [3] - Basic and diluted earnings per share were both 0.043 yuan, recovering from -0.131 yuan in the previous year [3] - The weighted average return on equity was 1.24%, an increase of 4.05% compared to -2.81% last year [3] Asset and Equity Position - As of the end of the first half, total assets amounted to 32,320,259,243.57 yuan, a decrease of 0.92% year-on-year [2][3] - The net assets attributable to shareholders were 11,216,475,039.90 yuan, down 0.17% from the end of the previous year [2][3] Industry Position and Product Development - The company is a key player in the computing industry under China Electronics, recognized as a national technology innovation demonstration enterprise and a high-tech enterprise [2] - It has developed a comprehensive product line from chips to servers, contributing to the digital transformation of key sectors such as finance, energy, and telecommunications [2] - In the server segment, the company has established a robust product line with 150 product series and 160 self-developed motherboards, enhancing AI model training capabilities [4] - In personal terminal products, the company launched a new notebook featuring the latest Feiteng D3000M processor, improving performance, security, and battery life [5] - The company has developed a range of financial terminal products aimed at various business scenarios, enhancing its digital channel offerings [5] - The company has invested in high-end technology talent and established multiple innovation platforms, holding over 1,700 patents and employing numerous experts [6]

Group 1: Government Initiatives and Financial Sector Trends - The government work report emphasizes the development of technology finance, green finance, inclusive finance, pension finance, and digital finance, marking the first inclusion of these topics in the report following the central financial work conference [1] - By 2025, financial institutions are expected to further embrace artificial intelligence (AI) to enhance branch operations and accelerate digital transformation [1] Group 2: Branch Network and Financial Equipment Growth - As of the end of 2024, the number of offline bank branches in China is stable, with approximately 35,000 branches exiting and over 20,000 new branches added, maintaining a total of 220,000 branches [2] - Major banks like Agricultural Bank, CITIC Bank, and China Merchants Bank have achieved net growth in branch numbers, while city commercial banks have seen continuous growth in recent years [2] Group 3: Smart Financial Equipment Market Dynamics - The smart financial equipment market is experiencing stable growth in procurement due to supportive policies, with banks optimizing operations to reduce costs and enhance competitiveness [3] - The market is increasingly dominated by leading manufacturers such as Guangdian Yuntong, Great Wall Information, and Yihua, with Guangdian Yuntong holding the largest market share for 17 consecutive years [4] Group 4: AI Integration and Innovation in Financial Services - AI technology is driving the transformation of traditional smart financial devices, leading to new forms and applications that enhance operational efficiency [5] - Innovations such as modular smart counters and AI-driven cash handling solutions are being implemented to improve service capabilities and reduce operational costs [6][9] Group 5: Rural Financial Services and AI Applications - The number of rural financial service points reached 660,700 by the end of 2023, with banks upgrading terminals to meet diverse needs and integrating government services [8] - AI technologies are being utilized to enhance the functionality of rural financial terminals, promoting the integration of financial and governmental services [8] Group 6: Future Outlook and Market Evolution - The integration of AI and robotics is reshaping the operational landscape of bank branches, with a focus on enhancing customer experience and service efficiency [9][10] - Leading companies are expanding their services into areas like smart finance, digital payments, and enterprise credit, establishing a composite service capability [11]

Core Insights - The recent 2025 Lujiazui Forum has announced new high-level policies for opening up, further strengthening Shanghai's role as an international financial center, providing new opportunities for financial innovation and corporate financing [1] - A seminar on "Innovative Models and Frontier Exploration of Supply Chain Finance for China's Private SMEs Based on Banking 'Resource Endowment'" was held at Fudan University, highlighting the unique contributions of China's private SMEs to global finance [1] Group 1: Supply Chain Finance Evolution - Professor Chen Xiangfeng noted that since the 1960s, the development of Chinese enterprises has gone through three stages: "Manufacturing Dominance," "Channel Dominance," and "Cash Dominance," and has now entered the "Data Dominance" era since 2020 [3] - The focus of competition has evolved from material flow to information flow, and now to cash flow, marking the beginning of supply chain finance [3] - The current "Data Dominance" era emphasizes stability, security, high value, and sustainability in supply chain management, aligning with high-quality development concepts [3] Group 2: Digital Transformation and Policy Support - The digital transformation of supply chain finance is not just a technological upgrade but also a mission to return finance to its essence of serving the real economy [4] - The central government has emphasized addressing the financing difficulties faced by private SMEs, promoting high-quality development of inclusive finance [4] - A multinational research team led by Professor Peter Shi has developed an innovative supply chain finance model tailored for China's private SMEs, addressing structural issues in financing [4] Group 3: Technological Innovations and Research Achievements - The research team from Zandong Technology presented groundbreaking findings at the 51st International Conference on Computer and Industrial Engineering, winning the Best Paper Award [5] - This research has established a comprehensive academic framework for a supply chain finance model based on banking resource endowment, specifically designed for China's private SMEs [5] - Professor Chen praised the research and provided optimization suggestions while discussing potential future developments in the field [5] Group 4: Integration of Finance and Supply Chain Management - Supply chain finance encompasses both financial and supply chain management aspects, facilitating value creation and promoting the development of the real economy [7] - The need for deep integration between the real economy and digital economy is emphasized, along with the importance of combining production and finance [7] - The concept of "Air Bank" proposed by Zandong Technology has sparked discussions on the future of supply chain finance [7] Group 5: Future Trends and Strategic Implications - The financial service system is undergoing structural changes, with future supply chain finance services expected to converge on a "super interface" that links supply and demand [8] - Zandong Technology's dual-driven innovation platform aims to achieve breakthroughs in both technological innovation and business models, promoting a new path for "industry × finance" [9] - The systemic reshaping of supply chain finance will enhance regional economic integration and establish China's competitive advantage in digital supply chain finance [12]