Core Insights - The article highlights the evolution and significance of urban commercial banks in China over the past 30 years, emphasizing their role in serving the real economy and their unique development paths [1] - Xinwang Bank is positioned as a digital financial pioneer, focusing on five key areas: technology finance, green finance, inclusive finance, elderly finance, and digital finance, thereby injecting new momentum into the real economy in the digital age [1] Group 1: Technology Finance - Xinwang Bank has submitted over 540 patent applications, ranking among the top globally for new applications, and has been consistently listed among China's top 50 fintech companies [3] - The bank offers fully online, unsecured, and zero-contact digital financial products tailored to the financing needs of technology startups, addressing their lack of collateral and standardized data [3] Group 2: Green Finance - Xinwang Bank aims to be a "carbon-neutral bank," integrating "dual carbon" goals into its development strategy, focusing on both low-carbon operations and facilitating clients' transitions to low-carbon lifestyles [5] - The bank has launched innovative digital financial products like "Low-Carbon Circular Loans" and "Green Easy Financing" to meet the financing needs of small and micro enterprises in the recycling sector [5] Group 3: Inclusive Finance - In response to national policies aimed at alleviating financing difficulties for small and micro enterprises, Xinwang Bank employs a differentiated strategy, focusing on underserved customer segments and risk-controlled businesses [6] - The bank has introduced a decentralized supply chain financial solution that is fully online, real-time, and purely credit-based, covering the entire lifecycle of enterprises [6] Group 4: Elderly Finance - Xinwang Bank is actively developing financial services and products tailored for the elderly, enhancing its offerings to meet the needs of an aging population [7] - The bank has upgraded its technology and product experience, including a "Caring Mode" in its official app to better serve elderly customers [7] Group 5: Digital Finance - As a next-generation digital-native bank, Xinwang Bank is advancing its digital financial ecosystem, focusing on risk management, customer service, and operational efficiency [8] - The bank has initiated the "Smart Engine AI+" strategic upgrade, aiming for widespread AI tool adoption across all business areas by 2025, marking a significant shift towards deeper digital finance [8]

新网银行作为数字金融先锋，深耕科技金融、绿色金融、普惠金融、养老金融、数字金融五大领域，以 线上服务触达小微、AI风控筑牢屏障、绿色金融助力"双碳"、适老化服务传递温度，为实体经济注入数 字时代的澎湃动能。这不仅是一家民营银行的探索之路，更是三十年精神血脉在数字时代的延续与升华 ——根植人民、因需而变、与时偕行。 科技金融：专利转化引擎，科创造血新动能 自1995年中国第一家城市商业银行落子深圳，如今城商行已走过三十年历程。这三十年，是城商行服务 实体经济的三十年，是精细化、差异化发展的三十年。在监管指引下，城商行始终坚守"服务城乡居 民、服务中小企业、服务地方经济"的基本定位，走出了一条特色化的发展道路，成为我国多层次金融 体系中举足轻重的组成部分。 在国家政策持续引导金融机构破解小微企业融资难题的背景下，新网银行坚持"两个只做"——只做主流 银行不能充分服务的客群，只做依靠技术能够管控风险的业务，以差异化战略破局，通过全线上化数字 信贷产品的精准触达，新网银行以科技力量延伸了金融服务实体经济的毛细血管。 针对供应链场景中的小微企业，新网银行创新推出"全线上、全实时、纯信用、随借随还"的去中心化供 应链金融 ...

Core Insights - The article highlights the evolution and current strategies of Xinwang Bank, emphasizing its role as a digital financial pioneer in China, focusing on technology, green finance, inclusive finance, elderly finance, and digital finance to support the real economy in the digital age [1] Group 1: Technology Finance - Xinwang Bank has submitted over 540 patent applications, ranking among the top globally for new applications, and has been recognized in China's top 50 fintech companies for several years [2] - The bank offers fully online, unsecured, and contactless digital financial products tailored to the financing needs of tech startups, addressing their lack of collateral and standardized data [2] Group 2: Green Finance - Xinwang Bank positions itself as a "carbon-neutral bank," integrating "dual carbon" goals into its development strategy, focusing on both low-carbon operations and assisting clients in their low-carbon transitions [3] - The bank has launched digital financial products like "Low Carbon Circular Loan" and "Green Easy Financing" to meet the financing needs of small enterprises in the recycling sector [3] Group 3: Inclusive Finance - To address the financing challenges faced by small and micro enterprises, Xinwang Bank adopts a differentiated strategy, focusing on underserved customer segments and utilizing technology to manage risks [4] - The bank has introduced a decentralized supply chain finance solution that is fully online, real-time, and credit-based, covering the entire lifecycle of enterprises [4] Group 4: Elderly Finance - In response to an aging society, Xinwang Bank has enhanced its services for elderly clients, reflecting social responsibility while tapping into new market growth opportunities [5] - The bank's official app has introduced a "Caring Mode" to improve accessibility for elderly customers, enhancing their experience with customer service [5] Group 5: Digital Finance - As a next-generation digital-native bank, Xinwang Bank is at the forefront of digital finance, creating a comprehensive digital ecosystem that encompasses scenario finance, products, operations, and risk control [6] - The bank has developed a risk evaluation system centered on operational data and an intelligent customer service solution to improve service efficiency and customer experience [7] - Xinwang Bank has initiated the "Smart AI+" strategy, aiming for widespread AI tool adoption across the organization by 2025, promoting a deeper transition in digital finance [7]

科技驱动全域升级，AI中台筑牢风控壁垒 近日，红旗连锁2024年报告披露新网银行部分业绩数据。数据显示，截至2024 年末，新网银行2024年资产规模1036.29亿元，营业收入63.70亿元，净利润8.11 亿元，资产规模和营业收入均实现增长。普惠金融覆盖户数、绿色碳减排量等 指标均实现突破，彰显出数字技术驱动下的高质量发展韧性。 经营业绩稳健增长，数字基因激活普惠生命力 当前银行业整体利率下行、息差收紧，宏观经济环境总体保持回升向好态势，但复苏之路充满曲折，有效需求不足等问题依然存在，这为银行业的经营增 添了复杂性。 日前《提振消费专项行动方案》的出台无疑为市场注入了一剂强心针。这一方案旨在通过多种措施提振消费者信心，促进消费需求的增长，从而有助于释 放国内市场潜力，有望进一步助力实体经济高质量发展。 2024年，面对行业整体经营承压、市场挑战增多的外部环境，新网银行落实国家政策导向，积极完善业务布局，动态调整业务结构，切实将资源向服务实 体经济、促进消费升级、支持中小微企业发展等领域倾斜，进一步做实各项为民、让利工作措施。 新网银行维持适当发展节奏和合理经营规模，营业收入实现稳步增长，业务发展整体良好， ...