Core Viewpoint - The collaboration between Beijing Bank and the China Children's Center aims to enhance financial literacy among children aged 6-12 through immersive and interactive educational activities, contributing to the development of child-friendly cities and financial empowerment [2][3]. Group 1: Collaboration and Educational Goals - The China Children's Center, as a national-level extracurricular education institution, focuses on the comprehensive development of children and has accumulated rich educational resources and practical models over the years [3]. - The partnership with Beijing Bank leverages the bank's professional advantages to provide financial resources and scenario-based services for children's quality education, aligning with national calls to integrate financial literacy into the basic education system [3]. Group 2: Event Structure and Activities - The event features four core areas: "Currency Enlightenment," "Career Experience," "Financial Competition," and "Safety Protection," designed to cater to different children's growth needs and interests [4]. - Activities include hands-on experiences with currency evolution, real banking processes, financial games, and safety knowledge, aimed at enhancing children's understanding of financial concepts and skills [4][5]. Group 3: Child-Centric Approach - The event emphasizes listening to children's voices, allowing them to actively participate and express their needs and expectations, thus making them the "little masters" of the activities [6][7]. - The establishment of the "Jingmiao Observation Group" enables children to contribute ideas for optimizing activities and content, fostering a sense of ownership and engagement in their learning process [7]. Group 4: Future Initiatives - Beijing Bank plans to deepen its collaboration with the China Children's Center, creating more systematic financial education projects through the "Jingmiao Club," integrating resources from financial enlightenment, cultural heritage, and social welfare [7].

时代浪潮下，北京已成为绿色金融、科技金融、数字金融等前沿领域的引领者。本次活动深度走访调研 了北京绿色交易所、中国邮政储蓄银行北京分行、北京银行顺义科技研发中心，发现北京金融的不同剖 面。 金融之美：银行网点变身城市会客厅 步入中国邮政储蓄银行北京通州区运河商务区支行，有别于传统银行网点的科技感迎面而来。 在运河商务区支行客户经理尤肖璇的指引下，大堂入口处设置的多语种AI透明屏翻译设备可为客户提 供包括粤语在内的多语种即时翻译；正面的"邮你相伴"智慧屏则汇聚了多种特色服务，可针对教育、创 业、结婚、养老等多种生活场景提供多元化个人理财服务，也可通过与客户的互动展示副中心周边人文 景观。 高科技的体验不止于此。作为邮储银行（601658）北京分行首家鸿蒙生态银行，运河商务区支行基于鸿 蒙操作系统的分布式特性，将传统银行业务与先进的信息技术深度融合，实现了VIP客户提醒终端、排 队叫号终端和取号终端的互联互通，手机、移动展业PAD与智慧大屏之间的无缝协同，大幅提升了业务 办理效率和客户服务体验。 时代浪潮下，北京已成为绿色金融、科技金融、数字金融等前沿领域的引领者。 近日，由北京市委网信办主办、新京报贝壳财经承办 ...

Core Insights - The event "Jingcai Unbounded: Economic Heat Station" focused on the theme "Financial Support for Building Dreams in Beijing," highlighting the city's leadership in green finance, technology finance, and digital finance [1] Group 1: Financial Innovations - The Postal Savings Bank of China (PSBC) in Beijing has transformed its branches into social spaces that cater to various life scenarios, integrating advanced technology to enhance customer experience [2][3] - PSBC's first Harmony Eco-Bank in Beijing utilizes the Harmony operating system to merge traditional banking with advanced information technology, improving service efficiency [2][3] - The bank aims to provide comprehensive solutions beyond financial services, focusing on meeting customers' potential needs through innovative partnerships [3] Group 2: Industry Support - PSBC has extended its financial support to key industries such as semiconductors, commercial aerospace, and computing centers, facilitating technological innovation and industrial upgrades [4] - Beijing Bank has developed a digital operation framework to serve over 32 million retail customers, enhancing service delivery through digital tools [5][6] Group 3: Green Finance Initiatives - The Beijing Green Exchange has facilitated over 4.2 million tons of carbon emissions trading, generating over 300 million yuan in transaction volume since the launch of the national voluntary carbon market [8] - The exchange has supported the green transformation of the transportation sector, involving 1.6 million vehicles and government subsidies totaling 21 billion yuan [9] - The establishment of the National Green Technology Trading Center aims to bridge the gap between research institutions, financial entities, and demand-side stakeholders [9]

Group 1: Long-termism and Business Strategy - The core discussion revolves around the concept of long-termism, emphasizing the importance of choosing the right direction and persisting in it rather than chasing short-term trends [3][10] - Both leaders agree that successful enterprises must have a long-term strategy and focus on doing difficult but correct things, regardless of current profitability [3][9] - The dialogue highlights the significance of continuous value creation and customer companionship throughout different stages of business development [10][11] Group 2: Technological Finance and Innovation - Technological finance is identified as a new competitive arena for banks, with a focus on supporting "light asset, heavy brain" tech companies [2] - Beijing Bank has introduced the "Linghang e-loan" product, which utilizes AI for credit approval, showcasing a shift from traditional collateral-based lending [2] - The bank has developed a "smoke index" system to monitor enterprise risks up to eight months in advance, indicating a proactive approach to risk management [2] Group 3: Cultural and Educational Financial Services - Beijing Bank is actively involved in cultural finance, holding a leading market share in Beijing and supporting various film projects [5] - The bank has launched innovative products targeting children's financial literacy, such as the "Xiao Jing Card," which integrates financial education with traditional culture [5][7] - The rise of internet short video platforms is seen as an opportunity for educational content delivery, particularly in children's financial education [6][7] Group 4: Customer-Centric Service Model - The concept of "accompanying throughout life" is presented as a business model innovation, focusing on providing tailored financial services to both enterprises and individuals [5][9] - The bank emphasizes the importance of building trust through long-term relationships, offering differentiated financial solutions at various life stages [8][9] - The strategy includes a dual approach of enhancing C-end services before expanding to B-end clients, ensuring a comprehensive understanding of user needs [8]

Core Insights - The article highlights the growing trend of children's financial education and the role of banks in providing tailored financial services for children, emphasizing the importance of instilling financial literacy from a young age [1][2][6]. Group 1: Children's Financial Services - Banks are increasingly offering specialized financial products for children, such as dedicated savings accounts and financial management tools, to help them manage their money effectively [4][5]. - Beijing Bank launched the "京萤计划" (Jingying Plan) to provide a range of children's financial services, evolving from version 1.0 to 3.0, which includes features for family interaction and digital management [2][3]. - Other banks, like China Merchants Bank and Minsheng Bank, have introduced innovative services like "金小葵管家" (Golden Little Sunflower Butler) and "财富小管家" (Wealth Little Butler) to cater to the financial needs of children and their parents [2][3]. Group 2: Financial Literacy and Education - The concept of financial literacy for children is gaining traction among parents, who are increasingly focused on teaching their children about money management [1][6]. - Banks are creating child-friendly environments in their branches, including dedicated areas for financial education and activities, to engage children in learning about finance [3][5]. - The collaboration between banks and educational institutions has led to numerous events aimed at promoting financial literacy among children, with over 30,000 activities held [3]. Group 3: Market Trends and Future Directions - The children's financial market is seen as a significant growth area for banks, with the potential to enhance overall family banking services [6][7]. - As competition increases, banks are encouraged to develop differentiated financial products tailored to various age groups, ensuring that services meet the specific needs of children at different developmental stages [7]. - The future of children's financial services may involve more personalized offerings and engaging educational initiatives to foster financial literacy [6][7].

Core Insights - Beijing Bank is transitioning into a fully digital operation phase 2.0 by 2025, marking the completion of its digital transformation phase 1.0 after three years of efforts [1][2][12] - The bank aims to redefine the paradigm of "AI-driven commercial banking" by integrating AI into its operations and services, showcasing its commitment to digital and intelligent transformation [2][12] Digital Transformation Achievements - The bank has successfully completed its digital transformation phase 1.0, focusing on enhancing technology capabilities, business models, and organizational structures [3][5] - Key initiatives include establishing a unified data foundation, a unified financial operating system, and a unified risk control platform, which have significantly improved operational efficiency [4][6] Business Model and Organizational Changes - The bank's business model has evolved to incorporate concepts such as intelligent decision-making, customer acquisition through scenarios, and collaborative efficiency [5][7] - Organizationally, there has been a cultural shift among employees towards prioritizing digital solutions for problem-solving, supported by training programs and internal collaboration mechanisms [6][8] Customer-Centric Approach - The bank emphasizes a customer-centric digital reconstruction, focusing on enhancing customer experience as a core objective of its digital operations [7][8] - Notable metrics include over 7 million monthly active users on mobile banking and a significant reduction in corporate account opening times [8][10] Financial Performance - In 2023, Beijing Bank reported a revenue of 69.917 billion yuan, a year-on-year increase of 4.81%, and a net profit of 25.831 billion yuan, reflecting a growth of 0.81% [10][11] - The bank's total assets reached 4.22 trillion yuan, with loans and deposits growing by 9.65% and 18.34%, respectively [11] Future Financial Innovations - The bank is committed to building an "AI-driven commercial bank" and has developed a comprehensive AI ecosystem, including a large model and machine learning applications [12][13] - Collaborations with various institutions aim to explore AI applications in finance, enhancing operational efficiency and value creation [13]