当一家国有大行成为北京城市副中心建设的"合伙人"，将擦出怎样的火花？ 面对北京城市副中心"科技创新高地""国家绿色发展示范区""国际消费枢纽"的体系建设，邮储银行北京 分行以"五篇大文章"为纲，精准匹配区域发展需求，打造差异化金融服务体系。 科技创新是副中心高质量发展的核心引擎，也是邮储银行北京分行的重点发力方向。该行构建起"一体 多翼"创新模式，其视频移动营业厅车贷面签业务已服务超6万名客户，提供资金支持逾125.67亿元。针 对科创企业融资难题，2025年4月举办的"邮企通行，创引未来"新质创富大赛（通州赛区），让9家生物 医药、智能驾驶领域的优秀企业脱颖而出，该行联动提供超数十亿元贷款，形成"金融+产业"的赋能闭 环，为新城注入新质生产力。 作为国家绿色发展示范区，城市副中心的生态建设离不开金融的硬核支撑。邮储银行北京分行成立碳达 峰碳中和领导小组，创新"碳账户+信贷审批"模式，引导金融资源向绿色产业倾斜。多家绿色特色专营 机构相继落地，"降碳贷"等产品精准对接企业减排需求，为零碳算力园区等项目提供有力支持。目前， 该行绿色贷款余额已达952亿元，获评"气候友好型金融机构"，用金融杠杆推动城市副中心天更 ...

时光荏苒，岁物丰成。从"十四五"开局之年的谋篇布局，到收官之年的硕果盈枝，中国邮政储蓄银行天 津分行（以下简称"邮储银行天津分行"）走过了一段极不平凡的五年。这五年，是外部环境风高浪急、 经济金融形势复杂深刻的五年，也是邮储银行天津分行直面挑战、勇毅前行，在高质量发展道路上实现 战略性转变、历史性跨越的五年。 战略升维：从"破冰启航"到"内涵深化" 五年来，在集团公司党组和总行党委的坚强领导下，在天津市委、市政府，金融监管部门的大力指导 下，邮储银行天津分行始终以"一张蓝图绘到底"的战略定力，成功穿越周期，实现了从"破局立 新"到"深化超越"的华丽蜕变，交出了一份成色足、亮点多、韧性强的时代答卷。 思想是行动的先导，战略是奋进的"蓝图"。回顾五年征程，邮储银行天津分行的战略演进清晰可见，每 一步都踏在了时代发展与自我革新的节拍上。 回顾"十四五"的开局之年，邮储银行天津分行面临的是前所未有的挑战：经济下行压力加大，抗击疫情 刻不容缓，行业竞争日趋激烈，传统发展模式难以为继。在这个关键时刻，邮储银行天津分行开启了一 场深刻的自我革命。 2023年，邮储银行天津分行新一届领导班子在深入调研和全面对标的基础上，创造 ...

Core Insights - The Postal Savings Bank of China (PSBC) in Ganzhou, Jiangxi, has significantly increased its support for small and micro enterprises through innovative financial products and services, resulting in a total loan issuance exceeding 210 billion yuan as of September 2023 [1][2]. Group 1: Financial Support and Loan Issuance - As of September 2023, PSBC's Ganzhou branch has issued over 210 billion yuan in loans, with a loan balance of 42.1 billion yuan, and a remaining balance of over 12.5 billion yuan in loans for small and micro enterprises [1]. - The branch has provided loans to over 1,500 enterprises, with a total of more than 21 billion yuan in loans for small and medium-sized enterprises [2]. Group 2: Tailored Financial Services - PSBC's Ganzhou branch employs a customized service approach, exemplified by the case of a hardware company that received a 1.94 million yuan loan through a tailored credit plan [2]. - The bank has established a professional financial team to conduct regular visits to enterprises, enhancing service channels and expediting loan approvals [2]. Group 3: Policy Collaboration and Market Enhancement - The bank has leveraged national consumer loan interest subsidy policies to support various sectors, including home decoration and automotive, resulting in over 5.1 billion yuan in "Industry Loans" benefiting more than 1,800 small enterprises [3]. - The dual empowerment of credit and policy has contributed to the upgrading of the consumer market [3]. Group 4: Community Engagement and Local Business Support - PSBC's Ganzhou branch actively engages with local businesses, such as a food shop that received a 100,000 yuan loan to improve its operations and customer experience [4]. - The bank promotes various loan products tailored to different business types, ensuring that local entrepreneurs receive the necessary financial support [4].

Core Insights - The article highlights the success of Postal Savings Bank of China's Shenzhen branch in providing rapid financing solutions to small and micro enterprises through its "Xiao Wei Yi Dai" product, which has significantly improved the efficiency of loan approvals and disbursements [1][2]. Group 1: Product Features - "Xiao Wei Yi Dai" offers credit limits up to 10 million yuan, tailored to meet the large financing needs of enterprises for production expansion and equipment upgrades [2]. - The product supports various collateral options, including pledges, guarantees, and credit, ensuring accessibility for enterprises regardless of their collateral status [2]. - It features a loan term of "3+3 years" with a 5-year revolving credit limit, helping businesses avoid the pressure of short-term loans [2]. Group 2: Operational Efficiency - The digital risk control system allows for "one-click application" and instant credit issuance, addressing the financing bottlenecks faced by small and micro enterprises [2]. - The process has been streamlined to enable loan disbursement within three days, significantly reducing the time and effort required compared to traditional banking methods [1][2]. - The flexibility of the product includes options for on-demand borrowing and no principal repayment during the loan term, enhancing financial agility for businesses [2]. Group 3: Future Outlook - The Shenzhen branch of Postal Savings Bank plans to continuously upgrade the "Xiao Wei Yi Dai" service capabilities to provide more efficient and flexible financial support for small and micro enterprises [2]. - The initiative aims to empower businesses in seizing orders, expanding production, and pursuing development, thereby contributing to the high-quality growth of Shenzhen's real economy [2].

Group 1 - Postal Savings Bank of China (PSBC) Shandong Branch is actively supporting the "Three Autumns" production by leveraging its resources in a major grain-producing province, focusing on early deployment and comprehensive financial support [1] - The bank has established a customer database for grain clients and created a grid marketing team to address financial service needs through direct engagement [1] - PSBC has implemented a fast-track loan approval process to meet the urgent financing needs of grain clients, utilizing mobile technology to facilitate on-site credit services [1] Group 2 - Shandong Youbang Fertilizer Technology Co., Ltd. has developed new fertilizer formulations suitable for wet soil conditions due to continuous rainfall, leading to increased orders [2] - The company faced cash flow pressures for raw material procurement, prompting PSBC to provide a quick loan of 10 million yuan through its online "Micro Loan" service [2] - The financial support has enabled the company to maintain production and fulfill existing and new orders, contributing to the stability of grain supply and economic development [2]

Core Insights - Postal Savings Bank of China (PSBC) Luoyang Branch is actively responding to policy calls by focusing on six business environment indicators and addressing the financial needs of small and micro enterprises, thereby injecting strong financial momentum into local economic development [1][2] Group 1: Financial Support for Small and Micro Enterprises - The bank has implemented a series of effective measures, including the establishment of a special quota for "Two Small Loans" to ensure credit allocation for small and micro enterprises in key sectors [1] - PSBC is expanding its first-time loan offerings and enhancing service efficiency through the restructuring of the small micro loan process, promoting new service models like "Cluster e-loan" [1][2] - The bank is increasing financing support for private enterprises, focusing on modern manufacturing and refining service strategies based on industry needs [1] Group 2: Loan Products and Services - To alleviate cash flow pressures for small and micro enterprises, the bank is promoting a no-repayment renewal loan service, simplifying processes and ensuring seamless transitions between loans [2] - The bank is enhancing collaboration with tax authorities to provide efficient loan services based on timely tax information for eligible small enterprises [2] - PSBC is optimizing loan approval processes to shorten approval times and increase disbursement efficiency, while also innovating loan products based on actual enterprise needs [2] Group 3: Credit Loan Initiatives - The bank is adopting a multi-faceted approach to increase the proportion of credit loans, including promoting joint borrower models and leveraging data to support credit loans for small enterprises within industrial clusters [2] - PSBC is actively guiding personal account managers to issue credit loans under controlled risk conditions, thereby enhancing the overall credit loan offerings [2] - The bank's initiatives have led to positive outcomes in optimizing the business environment and supporting the development of small and micro enterprises, with plans to continue innovating service models for high-quality local economic development [2]

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].

Core Insights - The oil tea industry is experiencing rapid growth due to supportive policies and financial backing, particularly from Postal Savings Bank [1][2] - Guangdong Xinghui Biotechnology Co., Ltd. has invested over 30 million yuan in oil tea cultivation, with a planting area exceeding 3,000 acres [1] - The company has adopted a comprehensive approach to enhance the oil tea industry, transforming it from a niche product to a significant industry [1][3] Financial Support and Collaboration - Postal Savings Bank's Longchuan Branch provided crucial financial support, including a 1 million yuan loan in 2023 to address seasonal funding needs [2] - The bank utilized a data-driven risk assessment model to expedite the loan approval process, allowing for same-day funding [2] - The company successfully secured an additional 2 million yuan loan in 2025 for raw material procurement and cash flow management [2] Industry Development and Future Plans - Guangdong Xinghui has become a leading player in the oil tea industry in Longchuan, promoting a collaborative model that benefits local farmers [3] - The company plans to expand its oil tea cultivation area and upgrade processing technology, aiming to develop high-value products such as skincare and health products [3] - The oil tea cultivation area in Heyuan City is approximately 989,000 acres, accounting for over 30% of the province's total, with an annual output value exceeding 3 billion yuan [3]

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]