本报讯（记者 吕新涛）消费是经济稳定运行的"压舱石"。今年以来，长安银行兴平市支行以其战略性 普惠金融产品"优享贷"为抓手，大力支持兴平市地方消费复苏与内需扩容，取得了显著成效。截至目 前，该产品已累计向兴平市区域授信突破2.6亿元人民币，实现贷款提款1.08亿元，为超千户家庭及个人 提供了便捷的信贷支持，有效激发了兴平消费市场活力。 当金融的普惠阳光照进寻常百姓家，当便捷的信贷款项点燃大众的消费热情，一座城市的经济脉搏便愈 发强劲有力。长安银行兴平市支行的"优享贷"，正是这样一股关键的力量。它以其精准、温暖、高效的 特性，成功撬动了兴平消费市场的"一池春水"，在服务实体经济、践行普惠金融的道路上，书写了浓墨 重彩的一笔。 未来，随着兴平市经济社会持续发展，消费升级的浪潮将更加澎湃。相信长安银行兴平市支行将继续以 金融为笔，以服务为墨，携手广大市民与企业，共同绘就一幅更加富裕、繁荣、充满活力的兴平经济新 画卷。 责任编辑：安心 审核：杨勇 长安银行兴平市支行行长赵锋介绍："今年总行推出'优享贷'消费贷产品的设计初衷，就是旨在破除居 民消费的短期资金约束，将潜在的消费需求转化为有效的购买力，从年初开始我们主动走 ...

Core Viewpoint - Guangfa Bank Jinan Branch is actively promoting consumer rights protection through various initiatives, emphasizing financial safety education and a comprehensive consumer protection management system [2][3][4]. Group 1: Consumer Protection Initiatives - The bank has integrated the "Big Consumer Protection" concept into all business processes, focusing on consumer rights protection and financial services for the public [2][4]. - A multi-level consumer protection management system has been established, following the guidelines from national financial regulatory authorities [3][4]. - The bank has implemented a "three arrows" work system to clarify responsibilities at all levels, ensuring that consumer protection is a priority for all employees [4]. Group 2: Customer Satisfaction and Complaint Management - Guangfa Bank Jinan Branch has seen an 18.8% decrease in complaints in the first half of 2025, indicating improved service levels and customer satisfaction [6]. - The bank has set up multiple channels for consumer feedback and complaint resolution, including a dedicated complaint reception day for branch leaders [5][6]. - A mechanism for tracing and addressing consumer complaints has been established, ensuring a long-term solution to issues raised by customers [5]. Group 3: Financial Education and Awareness - The bank has conducted various financial education activities, reaching over 71.68 million people through both online and offline channels [9][10]. - Innovative financial education initiatives, such as interactive events and scenario-based learning, have been implemented to enhance consumer financial literacy [7][8]. - The bank has organized numerous educational sessions in rural areas, schools, and communities to spread financial knowledge and prevent fraud [9][10]. Group 4: Comprehensive Financial Services - As a member of the China Life Group, Guangfa Bank Jinan Branch has served over 300,000 individual customers, providing a wide range of financial products and services [10][11]. - The bank has launched various credit card products tailored to consumer needs, with over 130,000 cards issued through the China Life channel [11]. - Loan products have been developed to meet diverse customer financing needs, with a total of 529 million yuan in loans disbursed through the China Life channel [11]. Group 5: Future Outlook - The bank aims to continue enhancing its consumer protection mechanisms and innovative services, ensuring that consumer rights are safeguarded while connecting finance with public welfare [12].

Core Viewpoint - The news highlights the efforts of Guangfa Bank's Jinan Branch in enhancing consumer rights protection and financial education, emphasizing a commitment to "financial for the people" and the implementation of a comprehensive consumer protection framework [2][4][10]. Group 1: Consumer Rights Protection Initiatives - Guangfa Bank's Jinan Branch has integrated consumer protection into all levels of its operations, from management to frontline staff, ensuring a comprehensive approach to safeguarding consumer rights [3][4]. - The bank has established a "three arrows" work system for consumer protection, detailing responsibilities across nine levels, from branch leadership to grassroots employees [4]. - In the first half of 2025, the number of complaints received by the bank decreased by 18.8%, indicating improved service levels and customer satisfaction [6]. Group 2: Financial Education and Awareness - The bank has reached over 71.68 million people through various financial education initiatives, including interactive events and community outreach [7][9]. - Innovative financial education formats, such as scenario-based performances and multimedia campaigns, have been employed to enhance consumer understanding of financial risks [8][9]. - The bank has organized 291 financial education activities in the first half of 2025, focusing on risk prevention and consumer rights awareness [9]. Group 3: Comprehensive Financial Services - Guangfa Bank's Jinan Branch has developed a diverse range of financial products to meet the needs of over 300,000 individual customers, enhancing their financial well-being [10][11]. - The bank has issued over 130,000 credit cards and provided 529 million yuan in personal loans, addressing various consumer financing needs [11]. - The bank's approach combines customer-centric product development with a commitment to community engagement and financial literacy [10][12].

Core Insights - The article highlights the launch of a new credit model for marine ranching in Zhanjiang, Guangdong, initiated by the People's Bank of China, aimed at enhancing financial services for the fishing industry during the South China Sea fishing season [1][2][8] Group 1: Financial Initiatives - The People's Bank of China in Zhanjiang has started the "integrated credit" initiative for marine ranching, which aligns financial services with the needs of fishing entities, improving accessibility and satisfaction [2][8] - Over 30 promotional activities for the "integrated credit" initiative have been conducted since August 16, including financing matchmaking events and marine economy research meetings [1][3] Group 2: Community Engagement - The local government has organized the fishing season festival to enhance marine culture and attract broader participation, integrating financial services into the festivities [3][4] - Financial institutions set up service stations and conducted on-site marketing at fishing ports, significantly increasing awareness and interest in tailored loan products for fishermen [3][4] Group 3: Loan Products and Impact - The Guangdong Suixi Rural Commercial Bank reported that its marine ranching credit initiative has benefited 1,643 aquaculture households, with a total loan balance of 640 million yuan [4] - Major banks like China Bank and Construction Bank have hosted themed matchmaking events to facilitate financing for marine ranching, with significant interest from local aquaculture businesses [5][6] Group 4: Follow-up Actions - Banks are actively following up with businesses to address financing needs, with China Bank successfully facilitating a 3.5 million yuan loan for a local aquaculture enterprise [7] - The People's Bank of China plans to expand the integrated credit initiative further, enhancing credit evaluation metrics and supporting innovation in marine ranching financial products [8]

Core Insights - The core focus of the report is on the development of retail banking at Guangfa Bank, emphasizing a balanced approach to quality, efficiency, scale, and structure in business operations [1][2]. Group 1: Business Performance - Guangfa Bank has achieved significant progress in operational efficiency, with steady growth in retail business revenue and an optimized asset-liability structure [1]. - The bank's personal deposit business has seen both quantity and quality improvements, while personal loans have enhanced self-operating capabilities [1]. - The private banking client base has grown rapidly, and the quality of credit card customers has steadily improved [1]. Group 2: Strategic Initiatives - Guangfa Bank is actively involved in the development of pension finance, focusing on customer needs and expanding its pension product offerings, having opened 1.3 million personal pension accounts [1]. - The bank has launched new credit financing services for new citizens to support entrepreneurship and has introduced various consumer loan products [1]. - The bank has implemented policies to adjust interest rates on existing first-home loans to support a stable real estate market and has contributed to consumption recovery with credit card spending reaching 2.22 trillion yuan [1]. Group 3: Digital Transformation - Guangfa Bank is enhancing its retail business through systematic, comprehensive, and digital capabilities, accelerating its digital transformation [2]. - The bank has built a "scene + finance" digital customer service ecosystem, resulting in over one million new customers [2]. - The introduction of various digital tools, including the successful launch of a step-by-step core system for credit cards, has provided strong momentum for digital transformation and high-quality development of credit card services [2]. Group 4: Comprehensive Operations - The bank has strengthened resource integration and deepened collaborative efforts, improving the efficiency of retail customer conversion [2]. - It has enhanced its professional service capabilities in wealth management, focusing on customer-centered product matrices and upgrading its financial products [2]. - The bank is developing a comprehensive lifecycle management system for customers, enriching its membership growth system and offering diverse and differentiated services [2].

Core Viewpoint - The company, as a key component of the local financial system, is committed to serving the county economy and has developed a unique path of high-quality development through financial innovation and support for rural revitalization [1][2] Group 1: Financial Innovation and Services - The company has introduced specialized credit products such as "Youth Entrepreneurship Loan" and "Preferred Loan" to meet diverse financing needs of different customer groups [1] - The "Whole Village Credit" initiative is a key strategy, creating a service system that combines "Financial Village Officials + Mobile Banking" to enhance financial services in rural areas [1] - The company has launched a digital platform, including a mobile banking app and the "Credit e-loan" system, allowing for efficient loan applications and disbursements [2] Group 2: Risk Management and Social Responsibility - The company maintains a non-performing loan rate below 1% through a big data risk control system that creates precise customer profiles [2] - The company actively engages in social responsibility initiatives, such as the "Financial Knowledge into Thousands of Homes" campaign, to educate the community and protect residents' finances [2] Group 3: Future Outlook - The company aims to continue playing a leading role in local finance by providing high-quality financial services that align with economic development needs and innovative product systems to address financing challenges [2]