俗话说:开门七件事,柴米油盐酱酷茶 而如今的生活,离不开水电气暖网的守护 生活缴费,成了另一件绕不开的日常 正是这些小事 见证了几十年来的 1955年我国发行第一套粮票 拉开了"震证时代"的帷幕 粮票、肉票、布票、煤票等 成了一代人的记忆 1950s 煤炭供应 计划经济时代, 我国实行票证配给制， 吃穿用等日常用品都需凭票购置。 (0s II C E世纪60年代初 缴费主要靠人工 当时电费实行"包灯制" 按电灯个数和瓦数大小算 工作人员定期上门数灯计费 个25瓦灯泡， -块七毛五分 FUTUAL 20世纪60年代 某市电费收据 单价 1.65元 单 价 1.75元 1980s 20世纪80年代,改革开放的春风吹进千家万户 彩申、冰箱、浩衣机讲入寻常百姓家 电费水费等逐渐成了日常开销 《 霍元甲 》 开播了 ! 部分地区开始试点银行代扣水电费 彼时跑去供电局、邮局等线下网点缴费 是许多人的固定节目 听说现在右此物古 自杀啊 上世纪90年代我国城市化进程加快, 居民水电煤气等需求增大,促使相关 部门完善缴费渠道和服务体系,如供 电局和邮政局联合推出"电费储蓄" 1989年城镇居民平均每百户 拥有冰箱36.5台 洗 ...

Core Insights - China Everbright Bank's Hohhot branch signed a comprehensive strategic cooperation agreement with Inner Mongolia Cultural Tourism Investment Group to enhance collaboration in the silver economy and cultural tourism sectors [1][3][4] Group 1: Strategic Cooperation - The partnership aims to implement national policies on developing the silver economy and promoting cultural tourism consumption, focusing on three main areas: cultural tourism industry upgrade, quality improvement in elderly care services, and ensuring consumer welfare [1][3] - Inner Mongolia Cultural Tourism Group is a leading enterprise in the region's cultural tourism industry, and the bank will provide credit support in areas such as scenic area construction, hotel operations, and elderly care projects [3] Group 2: Financial Support and Innovation - The bank plans to leverage its full range of financial products to support major project collaborations, enhancing the transformation and upgrading of the cultural tourism industry in Northern Xinjiang [3] - The cooperation will integrate financial services with the cultural tourism sector, including collaboration with other group companies like Everbright Elderly Care and China Youth Travel Service to build a suitable elderly care system for Inner Mongolia [3] Group 3: Digital Transformation and Consumer Promotion - The partnership will focus on promoting consumption and digital transformation through customer service, product innovation, and brand co-creation, enriching experiences in "tourism + elderly care" and "tourism + cultural creativity" [3] - Everbright Bank will utilize digital tools like "Everbright Cloud Payment" to enhance operational efficiency and service quality for the tourism group, aiming to create a smart cultural tourism ecosystem and stimulate new consumer vitality [3][4]

陕西省延安市安塞区的鲁寒（化名），在当地税务局办税大厅工作人员的指导下，掏出手机打开"社保 云缴费"小程序，指尖轻轻一点，便轻松完成了2026年社保缴纳。 "目前，陕西省的社保缴费服务向缴费人发送缴费提醒、并精准展示各类提示内容，协助缴费过程中遇 到问题的群众能够快速精准地了解问题并自行处理，积极助力基层税务、医保及社区工作人员的工作开 展。"中国光大银行西安分行相关工作人员介绍。 据了解，光大银行现已为陕西省全省灵活用工及城乡居民提供社保缴费服务，群众可通过微信、支付宝 平台进行缴费。通过下沉金融服务"最后一公里"，2025年该行社保代收服务已覆盖全国28个省（自治 区、直辖市），累计服务用户超2.7亿人。 数字经济时代，数字技术已成为银行机构数字金融服务的关键驱动力，目前，"光大云缴费"建立了以缴 费开放平台、收费托管平台、云缴费客户端为核心的三个系统服务平台，高效支持"支付+订单管理+交 易"全流程服务，平台可实现7×24小时应用服务，交易处理时间小于100毫秒，业务运营始终保持处理 时间短、效率高、差错率十万分之一以下的优异水平。 该行相关负责人表示，光大银行将深入贯彻党的二十届四中全会精神，加强普惠 ...

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Core Viewpoint - The article outlines the strategic framework for China's economic and social development over the next five years, emphasizing the importance of high-quality development and efficient allocation of resources through financial services [1][4]. Group 1: Efficient Resource Allocation - Efficient allocation of resources relies on optimizing the combination of new and traditional factors, enhancing overall productivity, and requires both policy guidance and market participation [2]. - Financial systems play a crucial role in directing capital to specific sectors, alleviating resource misallocation, and supporting the integration of technology and industry [2][3]. Group 2: Financial Empowerment of Industry - The "Five Key Financial Articles" initiative aims to support industrial transformation and the development of new productive forces, with a strong focus on technology finance [4]. - Financial institutions are encouraged to provide targeted support to key sectors, such as integrated circuits and artificial intelligence, through differentiated credit policies and innovative financial products [4][5]. Group 3: Green Finance and Inclusive Finance - The banking sector is innovating green finance products to support low-carbon transitions and the development of green industries, with a focus on creating a multi-level green finance service system [6]. - Inclusive finance initiatives are being developed to meet the diverse financial needs of small technology enterprises and support elderly care services [6]. Group 4: Integration of Finance and Real Economy - Deep integration of finance with various economic scenarios is essential for building a unified national market, enhancing resource allocation efficiency, and promoting consumption [7][8]. - The establishment of a convenient payment system and customized financial solutions for industries is being prioritized to facilitate the flow of information, logistics, and capital [8]. Group 5: Commitment to High-Quality Development - The company is committed to implementing the directives from the 20th Central Committee, focusing on high-quality development, efficient resource allocation, and supporting the construction of a unified national market [9].

Group 1 - The core viewpoint of the articles highlights the convenience and extensive reach of China Everbright Bank's "Everbright Cloud Payment" platform, which facilitates medical insurance payments for residents across various provinces [1] - The platform supports medical and pension insurance collection services for urban and rural residents, as well as flexible employment individuals in 28 provinces, enhancing public satisfaction and security [1] - "Everbright Cloud Payment" has served over 3 billion users in 2025, offering more than 19,000 online payment services, and has integrated with over 900 partner institutions, showcasing its significant impact on society [1] Group 2 - The bank's leadership emphasizes the importance of aligning with the "14th Five-Year Plan" to achieve key financial goals and tasks, focusing on improving people's livelihoods and contributing to the construction of a modern financial system in China [2]

Core Viewpoint - China Everbright Bank is enhancing its "Everbright Cloud Payment" digital platform to facilitate convenient, efficient, and secure online heating fee collection for residents in northern regions as the heating season begins in September [1] Group 1: Service Overview - The heating fee is a crucial winter payment service in northern China, characterized by its wide coverage and concentrated payment period [1] - The "Everbright Cloud Payment" service has achieved full coverage in northern heating areas and is integrated with major platforms like WeChat and Alipay for user convenience [1] Group 2: Promotional Activities - In anticipation of the heating season, "Everbright Cloud Payment" launched the "Warm Heart Early Payment, Enjoy Winter" promotional campaign, offering benefits to customers [1] - The campaign includes "early bird discounts" and a "tiered reduction" mechanism, where customers can receive random discounts ranging from 18.8 to 888 yuan based on their payment amounts of 1000, 2000, or 3000 yuan [1] Group 3: User Experience Enhancements - The cloud payment app and official WeChat mini-program have introduced electronic invoice functionality for heating fees in Beijing, enhancing user experience [1] - Users can apply for electronic invoices online after completing their payments by providing necessary information such as invoice title, tax number, and email [1]

Core Viewpoint - China Everbright Bank has been focusing on customer-centric digital financial services since 2025, integrating digital technology into business innovation and operations, particularly through platforms like "Everbright Cloud Payment," mobile banking, and "Xinyue Tong" [1] Group 1: Digital Financial Services - "Everbright Cloud Payment" has served over 2.3 billion users by the end of August 2025, with more than 19,000 payment collection projects integrated and over 500 new rural payment service projects launched [2] - The bank has expanded its non-tax collection services to cover 30 provinces and personal social security collection services to 28 provinces, enhancing the payment experience for elderly customers through a dedicated social security payment mini-program [2] - The platform offers a one-stop service combining payment convenience with wealth management products, including investment, insurance, and loans [2] Group 2: Mobile Banking Enhancements - Everbright Mobile Banking has over 68 million registered users and has strengthened its wealth management features in 2025, introducing various investment options and improving the user experience for fund purchases and loan selections [3][4] - The mobile banking platform has launched cross-border financial services, including personal asset certification and international remittance services in multiple currencies, catering to diverse customer needs [4] Group 3: Support for Corporate Digital Transformation - "Xinyue Tong" platform aids corporate digital transformation by providing comprehensive payroll services, significantly improving efficiency for large enterprises [5] - The bank has collaborated with major platforms like Meituan to offer enhanced employee benefits and digital management services, supporting businesses in their digitalization efforts [5] - In the real estate sector, the bank has established partnerships with local housing authorities to ensure secure transactions and smooth processes for home buyers and sellers [5] - The bank aims to continue advancing its digital transformation and expanding its digital financial product offerings to better serve social welfare and the real economy [5]

Core Viewpoint - China Everbright Bank emphasizes its commitment to serving the real economy and achieving high-quality development, guided by Xi Jinping's thoughts and the central government's policies [1] Group 1: Financial Services to the Real Economy - The bank focuses on five key areas of financial services, including technology finance, green finance, inclusive finance, pension finance, and digital finance, with significant growth in loans and services across these sectors [2] - Technology finance initiatives include the establishment of 16 innovation centers and a loan balance of 417 billion yuan, up 9.9% year-on-year [2] - Green finance efforts have led to a loan balance of 464.1 billion yuan, reflecting a 12.4% increase from the previous year [2] - Inclusive finance has seen a loan balance of 452.7 billion yuan, growing by 4.0% year-on-year, while pension finance has expanded with a 30% increase in loans [2] Group 2: Implementation of Financial Policies - The bank actively implements a comprehensive financial policy to support economic development, including issuing innovative bonds and enhancing support for small and micro enterprises [3] - Loans to the manufacturing sector and strategic emerging industries have increased by 7.6% and 19.1%, respectively [3] - The bank has approved 343 real estate projects, providing 113.4 billion yuan in financing to stabilize the real estate market [3] - Consumer finance initiatives aim to boost consumption, with new personal loan products and a focus on enhancing consumer financial supply [3] Group 3: Business Performance and Financial Metrics - As of June 30, the bank's total assets reached 7.2386 trillion yuan, a 4.0% increase from the previous year, with total loans of 4.0841 trillion yuan, up 3.8% [4] - The bank reported a net profit of 24.74 billion yuan, a 0.5% year-on-year growth, despite challenges such as declining asset yields and rising market interest rates [4] - The bank's deposit balance increased by 5.4% to 4.2532 trillion yuan, with an improved cost of deposits [4] Group 4: Development of Specialized Businesses - The bank is developing specialized financial services, including technology finance products and wealth management services, with a total asset management scale of 1.8 trillion yuan [6] - The bank has maintained a leading position in digital payment services, with significant project engagement and platform collaborations [6] - The bank's comprehensive financing scale reached 5.41 trillion yuan, with retail asset management at 3.1 trillion yuan [6] Group 5: Asset Quality and Capital Adequacy - The bank's non-performing loan ratio remains stable at 1.25%, with a provision coverage ratio of 172.47% [7] - Capital adequacy ratios are compliant with regulatory requirements, with a total capital adequacy ratio of 13.53% [7] - The bank continues to focus on high-quality development while serving the real economy and social welfare [7]

Core Viewpoint - Everbright Bank aims to enhance sustainable development capabilities through cost reduction, quality improvement, and efficiency enhancement, alongside increasing credit investment and project reserves [1] Group 1: Management Changes - Yao Hongyu, General Manager of the Transaction Banking Department and International Business Department, is proposed to be appointed as Vice President of Everbright Hong Kong [1] - Liu Yanhua, Deputy General Manager of the Human Resources Department, is proposed to be appointed as a committee member and Deputy General Manager of Everbright Cloud Payment Company [2] - Zhang Jianing, Deputy General Manager of Retail and Wealth Management Department, is appointed as Deputy General Manager of Digital Finance/Cloud Life Division [2] - Shi Li, Deputy General Manager of the Financial Technology Department, is proposed to be appointed as Deputy General Manager of the Credit Card Center [3] Group 2: Business Performance and Strategy - Everbright Bank plans to increase loans to technology enterprises by over 20%, green finance loans by over 15%, and inclusive finance loans by over 10% by the end of 2024 [4] - The bank aims to boost housing loans, personal consumption loans, and personal business loans to meet residents' housing needs [4] - In Q1, Everbright Bank reported operating income of 33.09 billion yuan, a year-on-year decrease of 4.1%, with intermediary business income of 5.68 billion yuan, showing a year-on-year increase of 3.3% [4] - For 2025, the bank plans to continue promoting high-quality development and enhancing profitability despite external challenges [4]