Core Insights - Postal Savings Bank of China (PSBC) is innovating financial services to support local industries in Zhanjiang under the national strategy of "financial empowerment for the real economy" [1] - The bank has introduced differentiated credit products and service models tailored to the industrial characteristics of Zhanjiang, providing comprehensive financial support to various enterprises [1] Group 1: Support for Private Enterprises - PSBC Zhanjiang Branch launched the "Xiao Wei Yi Dai" credit loan product to meet the financing needs of private enterprises [2] - The bank's customer manager provided proactive on-site services to understand the operational scale and order flow of Zhanjiang Changxing Color Printing Co., successfully matching their needs with the loan product without requiring collateral [2] - The bank's efficient processes and attentive service have garnered high recognition and praise from enterprises [2] Group 2: Technology Financial Services - The bank employs a "qualification credit + future capacity assessment" approval model for technology financial services [3] - Guangdong Xinbangle Technology Co., a provincial-level specialized enterprise, received 20 million yuan in "Science and Innovation Loans" with a streamlined approval process completed in just 7 working days [3] - This funding effectively addressed the company's capital needs for expanding production by supporting the procurement of kaolin raw materials [3] Group 3: Support for Rural Revitalization - PSBC Zhanjiang Branch has increased its financial support for rural revitalization by launching various agricultural credit products [4] - A farmer in Leizhou received 1.5 million yuan in loans, enabling him to contract an additional 364 acres of land, demonstrating the bank's quick approval process [4] - The bank has provided nearly 900 million yuan in loans to technology enterprises and 14.6 billion yuan to small and micro enterprises this year, effectively addressing financing challenges for private enterprises [4] Group 4: Future Plans - The bank plans to continue deepening its focus on county markets and increasing financial investments in key areas such as specialty agriculture and rural revitalization [4] - PSBC aims to enhance financial services to support farmers' income growth and improve industry efficiency, contributing to the high-quality economic development of Zhanjiang County [4]

Core Viewpoint - Postal Savings Bank of China Beijing Branch integrates its development into the overall economic and social development of the capital, focusing on providing modern financial services that meet diverse citizen needs and contribute to high-quality economic growth [1][18]. Group 1: Financial Service Efficiency - The bank enhances financial service efficiency through technology empowerment and process innovation, ensuring that financial resources reach the demand side more accurately and quickly [4][5]. - A closed-loop model of "online application + on-site service" has been introduced for small loans, allowing customers to apply via mobile banking and receive tailored solutions from dedicated loan officers [4][5]. - The bank collaborates with government departments and industry associations to address financing challenges faced by small and micro enterprises, optimizing product services and improving efficiency [4][5]. Group 2: Elderly Financial Services - The bank focuses on elderly financial services, addressing the needs of an aging population by providing stable asset allocation solutions and enhancing service quality [6][7]. - A diverse range of pension financial products is offered, including wealth management and insurance products, to meet the core demands of elderly clients for stability and safety [7]. - The bank has established an "age-friendly" service system, ensuring that elderly clients can access financial services without barriers, including physical accommodations and user-friendly technology [8][9]. Group 3: Community Engagement and Support - The bank has initiated the "Golden Sunshine Station" project to create a community space for elderly clients, offering health lectures and social activities to foster community engagement [9][10]. - The "Golden Sunshine Club" organizes events to promote health and social interaction among elderly clients, enhancing their quality of life [10]. - The bank prioritizes the financial safety of elderly clients by providing education on fraud prevention and ensuring secure banking practices [10][13]. Group 4: Social Responsibility and Emergency Response - In response to extreme weather events, the bank has implemented measures to support affected businesses and residents, including loan extensions and simplified approval processes [15][16]. - The bank has launched initiatives to assist residents in rebuilding after disasters, offering favorable loan terms and material subsidies to ease financial burdens [17]. - The bank's commitment to social responsibility is evident in its proactive approach to community support during crises, reinforcing its role as a reliable financial partner [15][16].

■本报记者 李美丽 "我们上门与企业负责人多次座谈，详细了解油茶树种植的长周期特性，以及油茶林日常养护、肥料采 购的持续资金需求，同时实地走访油茶种植基地，查看不同树龄油茶林的生长状况，确认挂果率、年产 量等核心数据。"邮储银行河源市分行相关负责人介绍，通过一系列价值核算，龙川县支行最终形成科 学的油茶林资产评估报告，为广东星汇生物科技有限公司贷款额度的测算提供了依据。 2023年，双方的合作进一步深化。面对公司业务不断拓展的融资需求，邮储银行龙川县支行利用企业前 期已在该支行办理过贷款业务的优势，为其推荐申请便捷、审批快速、随借随还的信贷产品——"小微 易贷"，并最终为企业成功发放两年期100万元信贷资金，有效缓解了企业季节性资金周转的难题。 "我们依托大数据风控模型，结合企业历史信用记录，快速完成授信审批，而企业仅需通过手机银行 App即可完成全流程操作。"邮储银行龙川县支行客户经理何振扬告诉记者，这笔贷款当天申请当天就 实现放款，随借随还，大大降低了企业融资成本。 据了解，在2023年申请的100万元贷款到期后，2025年，骆碧群通过线上成功办理续贷，同时又追加200 万元贷款，用于采购原材料及资金周转 ...

Core Insights - The traditional craft of Nalu Bian tea production, a national intangible cultural heritage, is revitalized through innovative financial services provided by Postal Savings Bank in Ya'an, Sichuan, enhancing the cultural significance of "藏茶" (藏茶) in modern times [2][4] Group 1: Financial Support and Innovation - Postal Savings Bank Ya'an branch utilized a "data credit" model to analyze real operational data of local tea companies, enabling them to access tailored financial products like "Xiao Wei Yi Dai" [2] - Ya'an Tea Factory received a loan of 5 million yuan for tea procurement, while Youyi Tea Company secured 576,000 yuan for peak season production [2] Group 2: Cultural and Educational Development - Under the financial support from Postal Savings Bank, Ya'an Tea Factory expanded its "Nalu Bian Tea Master Studio" and training center, while Youyi Tea established a "Nalu Bian Tea (藏茶) Skill Inheritance Institute" to cultivate new generations of inheritors [4] - The integration of finance and cultural tourism is contributing to the revival of this ancient craft [4]

Core Viewpoint - The article emphasizes the role of Postal Savings Bank in facilitating financial support for private enterprises and rural revitalization in Guangdong's Heyuan city, highlighting a collaborative approach between government, banks, and businesses to create a sustainable financial ecosystem [1][8]. Group 1: Financial Support Mechanisms - Postal Savings Bank of Heyuan has established a collaborative platform that allows banks to proactively engage with businesses, breaking down information barriers and creating a "whitelist" of enterprises for targeted financial services [2]. - The bank offers customized financial products to address the specific needs of private enterprises, particularly those with limited assets and collateral, optimizing the credit approval process [2][4]. - The bank has provided credit support to nearly 500 private enterprises and individual businesses in Heyuan, with a loan balance exceeding 1.5 billion, of which nearly 60% is directed towards rural revitalization-related industries [8]. Group 2: Customized Services - The bank's approach includes tailored financial solutions based on the unique circumstances of each business, moving from generic loan products to bespoke services that align with the operational needs of enterprises [3][4]. - For example, a fruit orchard owner received a loan without traditional collateral requirements, enabling him to invest in advanced irrigation systems, resulting in a 30% increase in annual output [3][6]. Group 3: Industry Chain Empowerment - The bank focuses on empowering core enterprises within industry chains, which in turn support smallholder farmers and micro-enterprises, fostering collective growth across the agricultural sector [5][6]. - A notable case is the support provided to Guangdong Xinghui Biotechnology Co., which received a quick loan approval to enhance its oil tea production capabilities, subsequently increasing its processing efficiency by 40% and adding 20 new farmers to its cooperative [5][6]. Group 4: Inclusive Financial Services - The bank has committed to providing 300 million in credit annually to individual business owners and private enterprises, ensuring that financial services reach the grassroots level of the economy [7]. - This initiative includes tailored service packages for different business types, such as retail and agriculture, and aims to make financial services accessible at local bank branches [7]. Group 5: Future Directions - The bank plans to continue innovating its credit products and reducing financing costs for private enterprises, ensuring that financial services are not only precise but also affordable [8].

Core Viewpoint - The article highlights the significant advancements in green finance within China's banking sector, showcasing various innovative practices and products aimed at supporting the green transition of the economy and society [1][2][3][4][5] Green Credit - China's banking system has established a leading position globally in green credit, with over 35 listed banks reporting a total green credit balance of nearly 30 trillion yuan as of September 12, 2025 [2] - Banks are increasing resource allocation and innovating products and services to support green credit growth, with initiatives such as establishing carbon-neutral branches and green financial departments [2] - Notable projects include the first rural revitalization-themed green bond and the first commercial bank bond compliant with the "Green Bond Principles" [2] Green Teams - The integration of green finance with inclusive finance and digital finance is becoming a crucial driver for high-quality economic and social development [3] - Postal Savings Bank has created a specialized green finance team to tailor financing solutions for local agricultural needs, addressing traditional challenges in agricultural financing [3] - The bank offers various green financial products aimed at small and micro enterprises, including loans for solar power equipment and waste management [3] Green Operations - The banking sector is actively promoting green low-carbon operations, with Construction Bank showcasing a standard for green branch construction to serve as a model for the industry [4] - Construction Bank's Beijing branch has implemented a low-carbon operation model, achieving a 56.69% reduction in carbon emissions from its main building [5] - Beijing Bank is focusing on optimizing energy use, accelerating energy-saving renovations, and implementing comprehensive green office practices to reduce resource consumption and carbon emissions [5]

Core Viewpoint - The China International Fair for Trade in Services (CIFTIS) serves as a significant platform for international service trade, showcasing the role of the Postal Savings Bank of China (PSBC) Beijing Branch in supporting the capital's economic development and promoting financial services innovation [1][2]. Group 1: Financial Services and Strategic Development - The PSBC Beijing Branch has established a comprehensive financial service network with 573 outlets, focusing on serving agriculture, rural residents, and small and medium enterprises [2]. - The bank has actively participated in the construction of the Beijing Urban Sub-center, providing tailored financial services to support local enterprises and projects, with a loan balance of 57.811 billion yuan and new loans of 9.535 billion yuan in 2025 [2]. Group 2: Recognition and Social Responsibility - In 2025, the PSBC Beijing Branch was awarded the title of "National Civilized Unit," recognizing its contributions to social responsibility and service quality [3]. - The bank has engaged in legislative processes for local regulations, demonstrating its commitment to supporting national strategies and local development [3]. Group 3: Technological Innovation in Financial Services - The PSBC Beijing Branch has embraced digital transformation, implementing innovative technologies such as video mobile banking and AI-driven platforms to enhance service efficiency [4][5]. - The bank has created interactive technology zones at CIFTIS, allowing visitors to experience various financial technologies, including 3D modeling and voice recognition [5]. Group 4: Green Finance Initiatives - The PSBC Beijing Branch has integrated green development principles into its financial services, establishing a green finance service system and launching products that offer credit incentives based on companies' emission reduction performance [7]. - The bank actively promotes green finance through collaborations and community engagement, including hosting events to raise awareness about biodiversity and sustainable practices [7]. Group 5: Inclusive Finance and Community Support - The PSBC Beijing Branch focuses on inclusive finance, providing tailored financial products for small businesses and rural areas, including specialized loans for agricultural products [8][9]. - During natural disasters, the bank has demonstrated its commitment to social responsibility by providing rapid loan approvals and support for affected communities [9]. Group 6: Elderly Financial Services - The PSBC Beijing Branch has developed a range of services for the elderly, including community engagement activities and personalized financial support, serving over 1.27 million pension clients [10][11]. - The bank promotes the use of social security cards and personal pension accounts to enhance the financial security of elderly clients [11]. Group 7: Digital Financial Services - The PSBC Beijing Branch has launched a Harmony ecosystem bank, enabling seamless service across devices and enhancing customer convenience [12]. - The bank's cloud service model allows for efficient transaction processing, with an average of 1,500 daily transactions, significantly improving operational efficiency [12]. Group 8: CIFTIS Participation and Future Outlook - The PSBC Beijing Branch's participation in CIFTIS highlights its innovative capabilities across various financial sectors, contributing to the high-quality development of the capital's economy [13]. - The bank aims to continue its commitment to innovation and customer service excellence in the evolving financial landscape [13].

Core Viewpoint - The China International Fair for Trade in Services (CIFTIS) serves as a significant platform for China's service industry to open up to the world, showcasing the country's commitment to global service trade cooperation [1] Group 1: Postal Savings Bank's Participation - Postal Savings Bank of China Beijing Branch actively participated in CIFTIS, focusing on comprehensive financial services and digital finance to support the capital's development [3][4] - The bank has established a robust financial service network with 573 outlets, emphasizing its role in supporting the "Three Rural Issues" and small to medium enterprises since its establishment in 2007 [4] Group 2: Financial Services and Innovations - The bank has provided financial support for 80 projects related to the coordinated development of Beijing-Tianjin-Hebei, with a loan balance of 57.81 billion yuan and new loans of 9.53 billion yuan in 2025 [4] - Innovations in technology include the development of an intelligent extraction writing platform and automated credit review reports, significantly enhancing approval efficiency [6] Group 3: Technology and Customer Experience - The bank set up high-tech interactive experience zones at the fair, allowing visitors to engage with digital customer service and experience various financial technologies [7] - The bank's initiatives in technology not only improve customer service but also inject vitality into the industrial sector, focusing on advanced manufacturing and innovative enterprises [8] Group 4: Green Finance Initiatives - The bank has integrated green development concepts into its financial services, establishing a comprehensive green finance service system and promoting carbon neutrality initiatives [9] - Activities during the fair included promoting green finance and engaging with experts to raise awareness about biodiversity [9] Group 5: Inclusive Finance Efforts - The bank has focused on inclusive finance, targeting small and micro enterprises and rural areas with tailored financial products and services [10][11] - During the recent flood season, the bank provided rapid loan services and support to affected customers, demonstrating its commitment to social responsibility [11] Group 6: Pension and Digital Finance Services - The bank has developed a range of services for the elderly, including health lectures and personalized banking support, serving over 1.27 million pension customers [12] - Digital finance initiatives include the launch of a bank based on the HarmonyOS, enhancing service accessibility and efficiency [13] Group 7: Event Highlights and Future Directions - The bank's participation in the CIFTIS showcased its innovative capabilities across various financial sectors, contributing to the high-quality development of the capital's economy [14] - The bank aims to continue its innovative approach and provide high-quality financial services in the future [14]

Group 1 - Postal Savings Bank of China (PSBC) is actively supporting the high-quality development of the private economy by enhancing collaboration among government, banks, and enterprises, and optimizing financial services [1] - A strategic cooperation agreement was signed between PSBC's Heyuan branch and the local Federation of Industry and Commerce, with nearly 100 business representatives attending, showcasing tailored financing plans for around 40 enterprises [1] - The bank is establishing a "white list" of enterprises and will conduct regular communication and business matching salons to improve the business environment [1] Group 2 - PSBC's Longchuan branch is focusing on the oil tea industry, collaborating with a leading local biotechnology company to promote a model that benefits farmers and enhances their income [2] - The Longchuan branch facilitated a quick loan approval of 1 million yuan for the biotechnology company using financial technology, supporting the local oil tea production chain [2] - PSBC plans to provide 300 million yuan in credit annually to members of the local private enterprise association, offering customized financial service packages to empower the private economy [2]

Core Viewpoint - The China Postal Savings Bank Beijing Branch actively participates in the China International Fair for Trade in Services, showcasing its comprehensive financial services and commitment to supporting the capital's economic and social development [1][8]. Group 1: Financial Support and Services - The Beijing branch has provided extensive financial support for major projects, serving 80 projects related to the coordinated development of Beijing-Tianjin-Hebei, with a loan balance of 57.81 billion yuan and new loans of 9.54 billion yuan in 2025 [1]. - The branch has implemented a new model integrating resources to enhance service efficiency, including self-developed applications for various business scenarios, serving over 60,000 customers with a total funding support exceeding 12.57 billion yuan [2]. Group 2: Green Finance Initiatives - The branch has established a comprehensive green finance service system, including a "dual carbon" leadership team and a green branch to provide dedicated services, along with a "carbon account + credit approval" model for emission reduction enterprises [3]. - During the fair, the branch launched a themed activity on green living, collaborating with experts to promote knowledge on biodiversity and sharing applications of new green materials [3]. Group 3: Inclusive Finance Efforts - The Beijing branch has introduced products like "Micro Loan" to alleviate financing difficulties for small and micro enterprises, focusing on specialty agriculture with innovative loans such as "Strawberry Loan" and "Peach Loan" [4]. - The branch has supported disaster-affected areas by providing material assistance and rapid loan renewals, demonstrating its commitment to inclusive finance [4]. Group 4: Elderly Financial Services - In response to the aging population, the branch has developed brands like "Golden Sunshine Station" and "Enjoy Golden Sunshine," offering various services tailored for the elderly, including health lectures and fraud prevention [5][6]. - The branch has served over 1.27 million pension customers, capturing nearly 50% of the market share in this segment [6]. Group 5: Digital Financial Innovations - The Beijing branch launched the first Harmony ecosystem bank in January 2025, enabling seamless collaboration across multiple devices and covering 99% of high-frequency services through cloud cabinets [7]. - The branch has created a diverse digital RMB ecosystem, enhancing consumer experiences and activating the market through initiatives like the "Beijing Consumption Season" [7].