数字化快车就是机遇之一。农商行向来数字化基础底子薄、起步慢，深耕支农支小主战场，手里没有金 刚钻绝对揽不了瓷器活，更搭不上数字化快车。当大行运用金融科技，以低成本优势涌向农村金融市场 时，农商行不能熟视无睹，急需在移动支付、场景金融等方面布局和优化数字展业服务。数字金融可以 有效破解金融服务农户、小微企业过程中存在的信息不对称、抵质押物评估难等问题，这恰如一把金钥 匙，能够精准打开银行授信难题之锁，提升信贷员敢贷、愿贷的积极性。 近日，广西、浙江、内蒙古等多地的农村商业银行召开2025年年中工作会议，在对上半年展业情况进行 回顾的同时，也开始研究部署下半年的重点任务。概括来说，农商行在稳中求进的基础上进一步探索如 何推动主责主业向上向好。这其中，支农支小成为多家银行"施工图"中的高频词。 支农支小是农村商业银行的核心定位，也是农商行金融服务的主阵地。农商行坚定支农支小，努力做小 做散，通过加大信贷资源供给，把资金投向"三农"和小微企业等重点领域，既有助于支持其化解融资 难、融资贵的问题，又能加快推动乡村全面振兴与实现区域经济均衡发展。农商行下好涉农金融服务这 盘棋，首要前提是厘清服务边界，切不可偏离主业，如此 ...

Core Viewpoint - Financial institutions are increasingly focusing on the consumer sector through diversified methods such as consumer credit, payment settlement, scenario finance, and digital services, providing crucial support for consumer upgrades, relief for small and micro enterprises, and rural revitalization [1][2]. Group 1: Collection Scope and Categories - The collection targets include banks, insurance institutions, consumer finance companies, and payment institutions [1]. - Categories for case collection include: 1. **Consumer Scenario Innovation**: Focus on online-offline integrated scenarios, credit card installment scenarios, and cultural tourism consumption ecosystems [1]. 2. **Payment Facilitation**: Emphasizes app payment optimization, cross-border payment services, and digital RMB applications [2]. 3. **Consumer Credit Innovation**: Involves personal consumer loan products, insurance-financial integration products, and credit card benefits activities [1][2]. 4. **Government-Bank-Enterprise Collaboration**: Joint efforts in issuing consumption vouchers and promotional activities [2]. 5. **Green Consumption Promotion**: Support for low-carbon consumption and circular economy projects through green finance [2]. 6. **Others**: Other typical cases that do not fall into the above categories [2]. Group 2: Evaluation Criteria - The evaluation criteria include: - **Innovation**: Assessment of whether the model breaks traditional boundaries and introduces new technologies or scenarios [2]. - **Comprehensive Effectiveness**: Evaluation of tangible consumer promotion effects, such as increased consumer satisfaction and industry reputation [2]. - **Sustainability**: Consideration of the replicability of the model and its long-term social benefits [2]. - **Risk Control**: Compliance of financial services and the completeness of risk control mechanisms [3]. Group 3: Activity Process - The case collection period is from now until May 30, 2025 [3]. - Submission requirements include a detailed case background, innovation points, implementation results, and social impact analysis, with a word count between 1,000 and 3,000 [3]. - Expert evaluation will weigh innovation (30%), comprehensive effectiveness (30%), replicability (20%), and social impact (20%) [3]. - Award-winning cases will be publicized across various media platforms, with early registrants receiving priority for showcase opportunities [3].

Core Viewpoint - The 2025 government work report prioritizes "vigorously boosting consumption, improving investment efficiency, and comprehensively expanding domestic demand," emphasizing the implementation of specific measures to stimulate consumption [1] Group 1: Financial Industry's Role - Financial institutions have been actively supporting consumption through diversified methods such as consumer credit, payment settlement, scenario finance, and digital services, contributing significantly to consumer upgrades, relief for small and micro enterprises, and rural revitalization [1] - The financial sector is continuously optimizing key aspects such as regional development balance, service scenario coverage, and risk prevention mechanisms [1] Group 2: Case Collection and Categories - The collection targets banks, insurance institutions, consumer finance companies, and payment institutions, with categories including: 1. Consumption scenario innovation (e.g., smart markets, credit card installment scenarios) [2] 2. Payment facilitation (e.g., app payment optimization, cross-border payment services) [2] 3. Consumer credit innovation (e.g., personal consumption loan products) [2] 4. Government-business collaboration (e.g., joint consumption coupon issuance) [2] 5. Green consumption promotion (e.g., green finance supporting low-carbon consumption) [2] 6. Other typical cases not covered above [2] Group 3: Evaluation Criteria - The evaluation criteria for the cases include: - Innovation: Whether the model breaks traditional norms and introduces new technologies or scenarios [3] - Comprehensive effectiveness: Whether it leads to perceivable consumption promotion effects [3] - Sustainability: The replicability of the model and its long-term social benefits [3] - Risk control: Compliance of financial services and the completeness of risk control mechanisms [3] Group 4: Activity Process - The case collection period is from now until May 30, 2025, with submissions sent to a specified email [3] - Cases must include background, innovation points, implementation results, and social impact analysis, with a word count between 1,000 and 3,000 [3] - The evaluation will consist of case collection and expert review, leading to the announcement of the "2025 Golden Ding Award for Excellent Cases of Financial Support for Consumption" [3]