Core Viewpoint - The Agricultural Bank of China has launched the mobile banking version 10.0, focusing on user-centric digital financial services and technological innovation, aiming to enhance customer experience and streamline financial service processes [1][2]. Group 1: Digital Financial Platform Features - The new platform integrates a "3 systems, 4 screens, 5 versions" ecosystem, providing services compatible with iOS, Android, and Harmony systems, and enhancing AI service integration into daily life [1]. - The platform has achieved comprehensive adaptation for various devices including smartphones, tablets, and PCs, and has introduced QR code payment functionality for wearable devices [1]. - It offers multiple versions tailored for different user needs, including a rural version, a large font version, and a multilingual version, covering six high-frequency financial services such as inquiries, transfers, and payments [1]. Group 2: User-Centric Innovations - The platform employs a "digital + AI + human" model to cater to diverse financial needs, optimizing digital services through data insights and enhancing product design and service iteration [2]. - AI applications have been upgraded to improve product search interactions and enhance voice search accuracy, while a collaborative service model has been introduced through video customer service [2]. - A personalized asset analysis and information service system has been developed, allowing users to track their asset status over various timeframes and receive tailored financial product recommendations [2]. Group 3: Service Process and Experience Innovation - The bank is advancing service processes and enhancing user experience by streamlining personal loan services through automated and intelligent processes [3]. - It has introduced personalized financial products for the elderly and a one-stop online service for retirement finance, addressing specific customer needs [3]. - New financial products such as agricultural machinery leasing and convenient loan access for farmers have been added, alongside enhanced data security measures to balance user experience and risk management [3].

Core Viewpoint - The financing leasing industry is focusing on inclusive finance, particularly through equipment leasing for small and micro enterprises, which is seen as a vital service for enhancing people's livelihoods and supporting consumption upgrades [1][4]. Group 1: Equipment Leasing Market - The vehicle leasing segment is a significant part of the inclusive leasing business, with Guoyin Jinzu reporting over 110,000 vehicles leased as of mid-2025 [1]. - Jiangsu Jinzu has partnered with nearly 100 manufacturers, selling over 40,000 agricultural machines and serving more than 30,000 farmers, with a total investment of 15.1 billion yuan by the end of 2024 [1]. - Minsheng Jinzu's retail and inclusive financing leasing balance has increased for three consecutive years, rising from 43% to 57% by the end of 2024 [1]. Group 2: Challenges and Strategies - The financing leasing companies face challenges in stabilizing operations during macroeconomic fluctuations and balancing operational costs with inclusive coverage [2]. - There is a need for financial leasing companies to capture the real needs of small and micro enterprises and expand beyond traditional funding roles to become core participants in the sales and service processes [2][3]. - The industry is encouraged to innovate in product offerings and risk management to ensure sustainable and controllable inclusive leasing services, especially during economic adjustments [2]. Group 3: Policy and Development - The People's Bank of China and the National Financial Regulatory Administration have emphasized the importance of addressing major issues and risks in inclusive finance through a recent implementation plan [4]. - Inclusive leasing is characterized as a financial service that meets the light asset, short cycle, and flexible needs of small and micro enterprises, acting as a bridge between equipment resources and the real economy [4][5]. - To effectively support small and micro enterprises, leasing companies should focus on demand, establish dynamic risk management mechanisms, and collaborate with equipment manufacturers and local governments to create a comprehensive service platform [5]. Group 4: Social Responsibility - The financing leasing industry is actively engaging in social responsibility, with 149 public welfare activities organized and a total of 3.9562 million yuan in assistance and 7.0765 million yuan in donations reported in 2024 [5].