Core Points - Shanghai Rural Commercial Bank announced a scheduled maintenance for its unstructured data management platform and network services on October 26, 2025, from 00:00 to 06:00, during which various banking services will be temporarily suspended [1][2] Service Impact Summary - The following services will be affected: - Application processes for products such as 商e贷, 微贷, 银税快贷, 普惠易贷, 积数贷, 小微循环贷, and 担保基金贷 [1] - Online banking services for individuals, including net banking assistant, digital RMB wallet binding, and counter debt sales document inquiries [1] - Corporate online banking services, including asset pool transaction document uploads and foreign exchange document uploads/downloads [1] - Online customer service and intelligent customer service across the official website, personal and corporate online banking, and related platforms [1] - All services on the direct banking platform [1] - All services involving customer facial recognition [1] - All services related to the corporate direct connection system [1] - Product application imaging information retention for corporate WeChat banking [1] - Loan application processes for products like 新农乐贷, 按揭贷, and others, along with various document uploads and contract signings [1][2] - Services related to personal mobile banking, including pre-filled forms, wealth trust material uploads, and digital RMB document uploads [2] - All services on the Shanghai Rural Commercial Bank's public account and various mini-programs [2]

Core Viewpoint - Shanghai Rural Commercial Bank has developed a "2025 Service Plan for Private Enterprises" to address the challenges faced by private enterprises, focusing on enhancing financing support, strengthening service for key private clients, and deepening comprehensive services for private enterprises [1] Financing Support for Private Enterprises - The bank aims to increase credit support for private enterprises, implementing policies to encourage first-time loans and credit loans, resulting in over 500 billion yuan in loans to private enterprises in Q1 2025, including over 70 billion yuan for first-time borrowers [3] - The bank has issued nearly 130 billion yuan in seamless renewal loans in Q1 2025, with over 60 billion yuan allocated to small and micro enterprises, marking a nearly 60% increase year-on-year [3][4] Service for Key Private Client Groups - The bank has provided loan services to over 4,000 technology-oriented private enterprises, with a loan balance of nearly 80 billion yuan as of March 2025, and has also supported over 850 billion yuan in loans for inclusive private enterprises [5] - For green and low-carbon private enterprises, the bank has supported over 780 enterprises in green development, with a green credit balance of 28 billion yuan [6] Comprehensive Services for Private Enterprises - Shanghai Rural Commercial Bank emphasizes a holistic approach to support private enterprises, offering services beyond traditional finance, including investment services, listing guidance, and transaction banking services [7] - The bank has served over 200 A-share listed private enterprises and has a total credit scale exceeding 180 billion yuan for various industry associations as of March 2025 [7][8]

Group 1: Financial Support for High-Quality Development - The central financial work conference emphasizes that finance should provide high-quality services for economic and social development, focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [1] - The Heilongjiang financial regulatory bureau has implemented various policies to support the development of technology finance, green finance, and inclusive finance, aiming to enhance local economic and social development [1] Group 2: Technology Finance Enhancement - Heilongjiang's banking sector has provided loans totaling 115.28 billion yuan to 12,391 high-tech enterprises and small and medium-sized technology companies, marking a 16.3% year-on-year increase [3] - The provincial financial regulatory bureau has guided financial institutions to strengthen financial services for technology enterprises throughout their lifecycle, promoting innovation and development in key technology sectors [2][3] Group 3: Green Finance Initiatives - The Agricultural Development Bank of China has provided a loan of 27.9375 million yuan for ecological restoration projects, demonstrating the commitment to green finance [5] - The total balance of green financing in Heilongjiang's banking sector reached 263.55 billion yuan, reflecting a 22% year-on-year growth [5] Group 4: Inclusive Finance Development - The Heilongjiang financial regulatory bureau has established mechanisms to enhance financial services for small and micro enterprises, resulting in 23,400 small enterprises receiving loans totaling 23.47 billion yuan [8][9] - The balance of non-repayable loans for small and micro enterprises reached 31.64 billion yuan, showing a 30.7% year-on-year increase [8] Group 5: Pension Finance Growth - The banking and insurance sectors in Heilongjiang have actively developed personal pension products, achieving a total premium income of 79.447 million yuan from exclusive commercial pension insurance since March 2022 [11] - The number of individuals covered by long-term care insurance in Qiqihar reached 286,100, with claims amounting to 11.6941 million yuan [11] Group 6: Digital Finance Advancement - The Heilongjiang financial regulatory bureau is promoting digital transformation in financial institutions, with over 11 million personal customers using the "dual-star" online platform of the Construction Bank [14] - Financial institutions are leveraging digital technologies to enhance service efficiency and product innovation, introducing various digital loan products [14]