Core Viewpoint - The development of finance is deeply supported and nourished by culture, particularly in Shandong, which has a rich cultural heritage and has made significant progress in financial development, with key financial indicators growing at a rate approximately 2 percentage points higher than the national average [1][2]. Group 1: Financial Development in Shandong - Shandong is a major province in terms of population, economy, and culture, being a significant birthplace of Chinese civilization and Confucian culture [1]. - Recent financial developments in Shandong have shown substantial progress, with new corporate loan interest rates dropping to around 3.7%, the lowest in history, and non-performing loan rates decreasing to 1.2% [1]. - The growth rates of loans in sectors such as science and technology, green finance, and rural revitalization have consistently outpaced the overall loan growth rate [1]. Group 2: Cultural Influence on Financial Practices - The integration of traditional Chinese culture and red financial culture is emphasized to enhance the quality and efficiency of financial development in Shandong [2]. - Five key concepts are proposed to guide financial practices: 1. Establishing a correct moral view to promote integrity and contract spirit while adhering to market economy rules [2]. 2. Upholding a proper view of interests and responsibilities, focusing on both profit and service to the public [2]. 3. Maintaining a risk prevention perspective as a core theme of financial work, improving governance and regulatory systems [2]. 4. Fostering innovation in customized financial products, particularly in green and high-quality development sectors [2]. 5. Ensuring compliance with laws and regulations as a foundation for sustainable business practices [2].