地域辽阔、人口分散，曾是制约少数民族地区金融服务提升的瓶颈，甘肃银行酒泉分行"主动下沉"，打 通金融服务堵点。针对肃北马鬃山矿区工人、边境公路建设者往返县城办卡不便的实际困难，辖内肃北 支行组建"流动金融服务队"，驱车深入项目一线，工歇间隙、用餐时分，就是他们的"营业时间"，累计 为3000余名一线建设者提供便捷服务，保障工资精准直达。面对牧户居住分散的特点，甘肃银行肃北支 行与阿克塞支行因地制宜，组建"党员牧区服务突击队"，紧随牧民转场足迹，在夏季牧场、冬定居地设 立临时服务点，用蒙汉、哈汉双语为两地800余户牧民办理基础金融业务，将接收补贴、日常结算的"放 心卡"送到牧民手中，有效解决了偏远牧区群众"跑远路、办卡难"的痛点。"甘肃银行的服务真是太好 了，以前取个补贴要跑一天，现在卡在手边，钱'嗖'一下就到了，太方便了！"阿克塞哈萨克族自治县 阿勒腾乡的牧民哈吉别克高兴地说道。牧民们朴实的笑容，是对服务最好的褒奖。 图为甘肃银行肃北支行深入牧区办理业务 聚焦产业发展，精准滴灌激活发展"新动能" 两地支行深知，产业兴则县域兴、百姓富。甘肃银行肃北支行与阿克塞支行精准把握两地"矿牧游"产业 脉搏，以金融之力强链 ...

在甘肃酒泉西部，肃北蒙古族自治县与阿克塞哈萨克族自治县的草原交相辉映。作为甘肃银行深耕民族地区、服务实体经济、助力兴边富民的前沿力量，甘 肃银行酒泉分行始终聚焦主责主业，以金融活水精准滴灌特色产业，用普惠服务温暖千家万户，在服务国家战略、促进民族团结、推动边疆繁荣的实践中， 谱写了新时代金融报国的动人篇章。 破题"最后一公里"，流动服务共同绘制"同心圆" 近三年，两家支行累计投放贷款近4亿元，过去因缺乏担保难以获得贷款，如今凭借信息科技的加持，可快速申请到低息资金，极大增强了两地发展特色产 业的信心与底气。 筑牢发展根基，金融活水浇灌民族"团结花" 服务民族地区，不仅是业务拓展，更是沉甸甸的责任与使命。 甘肃银行阿克塞支行深谙，金融服务要"走心"，更要"入乡随俗"，在纳吾热孜节、古尔邦节等民族传统节日期间，支行员工与各族群众共度佳节、共话家 常，运用双语开展金融知识普及活动，在润物无声中密切"银群"关系，使甘肃银行成为促进民族团结、服务各族群众的金融桥梁和暖心窗口。 甘肃银行肃北支行灯火通明的夜晚，是全体员工为保障全县职工补贴精准、及时发放而彻夜奋战的见证，他们放弃与家人的团聚，一丝不苟核对信息、高效 操作， ...

在甘肃酒泉西部，肃北蒙古族自治县与阿克塞哈萨克族自治县的草原交相辉映。作为甘肃银行(02139)深耕民族地区、服务实体经济、助力兴边富民的前沿 力量，甘肃银行酒泉分行始终聚焦主责主业，以金融活水精准滴灌特色产业，用普惠服务温暖千家万户，在服务国家战略、促进民族团结、推动边疆繁荣的 实践中，谱写了新时代金融报国的动人篇章。 智通财经APP获悉，近三年，两家支行累计投放贷款近4亿元，过去因缺乏担保难以获得贷款，如今凭借信息科技的加持，可快速申请到低息资金，极大增 强了两地发展特色产业的信心与底气。 筑牢发展根基，金融活水浇灌民族"团结花" 服务民族地区，不仅是业务拓展，更是沉甸甸的责任与使命。 甘肃银行阿克塞支行深谙，金融服务要"走心"，更要"入乡随俗"，在纳吾热孜节、古尔邦节等民族传统节日期间，支行员工与各族群众共度佳节、共话家 常，运用双语开展金融知识普及活动，在润物无声中密切"银群"关系，使甘肃银行成为促进民族团结、服务各族群众的金融桥梁和暖心窗口。 甘肃银行肃北支行灯火通明的夜晚，是全体员工为保障全县职工补贴精准、及时发放而彻夜奋战的见证，他们放弃与家人的团聚，一丝不苟核对信息、高效 操作，确保党的温暖通 ...

Core Insights - Gansu Bank's mobile banking application has evolved significantly over the past decade, growing from a simple app to a comprehensive digital financial platform that serves over 4.3 million users [1][2][7] - The transaction volume of Gansu Bank's mobile banking has increased by over 725 times, reaching a total of 234.4 billion yuan in the first ten months of this year [1][2][4] Group 1: User Growth and Engagement - In 2015, the mobile banking app had fewer than 30,000 users and processed only 320 million yuan in transactions, while by October 2023, the user base had expanded to 4.32 million, a 144-fold increase [2][4] - Monthly active users have surpassed 1.1 million, indicating strong engagement and reliance on the app by local residents [2][4] Group 2: Service and Functionality Enhancements - The app has continuously evolved, introducing features such as social security, medical insurance, and utility payments, covering over 100 types of convenient payment services [3][4] - Gansu Bank has launched various inclusive financial products aimed at small and micro enterprises and farmers, serving over one million clients [3][4] Group 3: Technological Innovations - The app has undergone multiple iterations, with significant upgrades from version 1.0 to 8.0, incorporating advanced technologies like biometric recognition and AI-driven features [4][5] - Gansu Bank became the first local bank in the province to launch a native HarmonyOS application, showcasing its commitment to integrating with domestic operating systems [3][4] Group 4: Industry Recognition - Gansu Bank's mobile banking platform has received numerous awards for its innovative services, including the Best Mobile Banking Function Award in 2018 and the Mobile Banking Growth Pioneer Award in 2025 [5][6] - The bank has consistently ranked highly in various authoritative evaluations, reflecting its ongoing innovation and influence in the mobile financial sector [6] Group 5: Future Outlook - Gansu Bank aims to continue enhancing its mobile banking services over the next decade, focusing on innovative products, open platforms, and inclusive services to support high-quality development in the region [7]

Core Insights - Gansu Bank's mobile banking application has evolved significantly over the past decade, growing from a simple app to a comprehensive digital financial platform that serves over 4.3 million users [1][2][10] Group 1: Growth and User Engagement - The mobile banking app was launched in 2015 with less than 30,000 users and a transaction volume of only 320 million yuan, but by October 2023, the user base had increased to 4.32 million, a growth of 144 times, with transaction amounts reaching 234.4 billion yuan in the first ten months of the year [2][4] - Monthly active users exceed 1.1 million, indicating strong engagement and reliance on the app by local residents [2] Group 2: Technological Advancements - The app has undergone multiple iterations, from version 1.0 to 8.0, with significant enhancements in functionality and user experience, including the introduction of features like fingerprint payment and smart voice assistance [5][6] - The latest version, 8.0, incorporates advanced technologies such as AI search, smart risk control, and privacy protection, setting a benchmark for digital banking in the region [5][10] Group 3: Service Expansion and Inclusivity - Gansu Bank's mobile banking has expanded its services to include over 100 convenient payment options, covering social security, healthcare, and utility payments, thereby enhancing its role in local financial ecosystems [3][4] - The bank has launched various inclusive financial products aimed at serving small and micro enterprises and farmers, benefiting over a million clients [3][10] Group 4: Recognition and Awards - Over the past decade, Gansu Bank's mobile banking has received multiple industry awards, including the Best Mobile Banking Function Award and the Most Distinctive Mobile Banking Function Award, reflecting its innovation and impact in the digital finance sector [6][7] Group 5: Future Outlook - Gansu Bank aims to continue its digital transformation by offering more innovative products and services, with a commitment to enhancing financial accessibility for all residents in Gansu [10]

Core Viewpoint - Gansu Bank has established itself as a key player in supporting local economic development over the past fourteen years, aligning its services with the needs of the region and contributing to high-quality growth in Gansu province [1][5]. Group 1: Commitment to Local Economy - Gansu Bank's mission focuses on serving the local economy, agriculture, small and medium enterprises, and urban and rural residents, integrating its financial work with the broader development goals of Gansu [1]. - The bank has provided over 800 billion yuan in project loans to support local industries, significantly contributing to economic stability and growth in the province [6]. Group 2: Innovation and Development - Gansu Bank has evolved from a single business model to a diversified financial ecosystem, enhancing its service offerings and operational capabilities [1]. - The bank has established a technology branch and developed specialized products to support technological enterprises, with a total technology loan balance of 237 billion yuan [7]. Group 3: Financial Inclusion and Social Responsibility - Gansu Bank has integrated inclusive finance into its operations, with a balance of 141 billion yuan in small and micro loans, benefiting tens of thousands of clients [8]. - The bank has actively engaged in social responsibility initiatives, including rural revitalization projects and disaster recovery efforts, demonstrating its commitment to community welfare [12][13]. Group 4: Digital Transformation - Gansu Bank is focusing on digital transformation as a core strategy, enhancing its online services and achieving over 400 million yuan in mobile banking clients [11]. - The bank has implemented a dual-channel promotion mechanism for talent development, ensuring a skilled workforce to support its digital initiatives [3]. Group 5: Governance and Leadership - The bank emphasizes strong party leadership and governance as foundational to its operations, integrating political and people-oriented principles into its strategic decision-making [2][4]. - Gansu Bank has established a comprehensive evaluation system for its party-building efforts, ensuring accountability and effectiveness in its governance [3].

Core Viewpoint - Gansu Bank is focusing on serving the real economy and has transitioned from scale expansion to a new stage of quality and efficiency development, with a mission to support local economic growth and strategic transformation [1][3]. Financial Performance - From 2019 to June 2025, Gansu Bank's loan balance grew at an average annual rate of 6.7%, with savings deposits increasing by 116 billion and personal customers reaching 8.26 million [3]. - The bank's intermediary business income rose significantly, with its share increasing from 1.69% to 8.5%, and net income reaching 228 million [3]. - The bank maintained a low non-performing loan ratio while focusing on key areas such as inclusive small and micro loans and green finance, with inclusive small and micro loans growing at over 13% annually [3]. Strategic Focus - Gansu Bank has positioned itself as a regional development partner, aligning its growth with local strategic needs, and has provided over 400 billion in loans to key sectors such as energy, transportation, and tourism [4]. - The bank's manufacturing loans grew at an average rate of 8.33%, while loans to technology enterprises increased by 23.43% [4]. Inclusive Finance - Gansu Bank's inclusive finance services have reached 99 townships in Gansu Province, with agricultural loans totaling 42.7 billion [5]. - The bank has introduced specialized products like "medicinal materials loans" and "seed loans" under a tailored approach for each county [7]. Green Finance - The bank has developed a green finance action plan, with green loan balances reaching 206.78 billion and an annual growth rate of 7.8% [6]. - Key projects supported include wind and solar energy initiatives, with significant funding allocated to reduce financing costs for enterprises [6]. Technological Empowerment - Gansu Bank is undergoing a digital transformation, with mobile banking services reaching 4.224 million customers and smart counters replacing 74.78% of traditional counter services [8]. - The bank's data-driven risk control system has achieved a warning accuracy rate of 41.78%, successfully intercepting fraudulent funds [8]. Elderly Financial Services - The bank has established 19 elderly financial demonstration outlets and launched exclusive products for seniors, with 820,000 social security cards issued [9]. Innovation in Science and Technology Finance - The bank's technology loan balance reached 236.42 billion, with innovative products addressing challenges in intellectual property pledges [10]. Local Engagement - Gansu Bank has implemented community-focused initiatives, such as zero-fee payment solutions for local merchants, enhancing financial accessibility [11]. - The bank's efforts in ecological protection and support for local agriculture have positively impacted employment and community development [12][13]. Conclusion - Gansu Bank's transformation reflects its commitment to quality and efficiency, with a focus on technology, inclusive finance, and local economic development, positioning itself as a vital player in Gansu's financial landscape [14].

Core Viewpoint - Gansu Bank is leveraging green finance as a key driver for ecological and economic development in Gansu province, aligning with national "dual carbon" strategies and contributing to sustainable growth [1][2]. Group 1: Green Finance Strategy - Gansu Bank recognizes the importance of green finance for sustainable local economic development and has established a comprehensive system to support this strategy [2]. - The bank has set up a dedicated green finance department and developed policies such as the "Green Credit Policy" and "Green Financial Bond Fund Management Measures" to manage green credit effectively [2][3]. - Gansu Bank has implemented a self-evaluation mechanism to ensure compliance with national green development policies and maintain accurate data for green loans [2][3]. Group 2: Financial Support for Renewable Energy - Gansu Bank is focusing its lending resources on the entire renewable energy industry chain, particularly in wind and solar energy projects [4]. - The bank has successfully financed the "Weiyuan County 100,000 kW Wind Power Project" with a loan of 62.8 million yuan, showcasing its commitment to supporting significant renewable energy initiatives [4]. - The bank has also secured 305 million yuan in carbon reduction support funds through collaboration with local branches and targeted client groups [5]. Group 3: Innovative Financial Products - Gansu Bank has developed a diverse range of green financial products tailored to the needs of different industries, such as "Wind and Solar Unlimited Loan" for clean energy projects and "Energy Saving Loan" for energy efficiency initiatives [6][7]. - The bank's "Ecological Agricultural Loan" supports green agricultural practices, enhancing both economic and ecological benefits for local farmers [7]. - As of September 30, 2025, Gansu Bank's green loan balance reached 22.838 billion yuan, with a year-to-date increase of 3.463 billion yuan, achieving a completion rate of 137.32% for its annual target [7]. Group 4: Green Finance Ecosystem - Gansu Bank has established a comprehensive green finance ecosystem through a combination of project libraries, incubation centers, and scenario integration [8]. - The bank integrates green finance with rural revitalization efforts, providing specialized loans for local agricultural projects [8]. - The bank is also enhancing its digital transformation by launching online products and utilizing blockchain technology for transparent fund tracking, significantly improving loan approval efficiency [8].

Core Viewpoint - Gansu Bank is leveraging green finance as a key driver for ecological and economic development in Gansu province, aligning with national "dual carbon" strategies and contributing to sustainable growth [1][2]. Group 1: Green Finance Strategy - Gansu Bank recognizes the importance of green finance for sustainable local economic development and has established a comprehensive system to support this initiative [2]. - The bank has set up a dedicated Green Finance Department and developed policies such as the "Green Credit Policy" and "Green Financial Bond Fund Management Measures" to manage green credit effectively [2][3]. - Gansu Bank has implemented a self-evaluation mechanism to ensure compliance with national green development policies and maintain accurate data for ESG reporting [2][3]. Group 2: Financial Support for Renewable Energy - Gansu Bank is focusing its lending resources on the entire renewable energy industry chain, particularly in wind and solar energy projects [4]. - The bank has successfully financed the "100,000 kW Wind Power Project" in Weiyuan County, providing a loan of 62.8 million yuan after a streamlined approval process [4]. - The bank has also secured 1.25 billion yuan in carbon reduction support tools and has applied for a total of 3.05 billion yuan in carbon reduction support funds [5]. Group 3: Innovative Financial Products - Gansu Bank has developed a diverse range of green financial products tailored to the needs of different industries, such as "Wind and Solar Unlimited Loan" for clean energy projects and "Energy Saving Loan" for energy efficiency initiatives [6]. - The bank's "Ecological Agriculture Loan" supports green agricultural practices, enhancing both economic and ecological benefits for farmers [7]. - As of September 30, 2025, Gansu Bank's green loan balance reached 22.838 billion yuan, with a year-to-date increase of 3.433 billion yuan, achieving a completion rate of 137.32% for its annual target [7]. Group 4: Ecosystem Development - Gansu Bank has established a comprehensive green finance ecosystem through a combination of project libraries, incubation centers, and scenario integration [8]. - The bank integrates green finance with rural revitalization efforts, providing specialized loans for projects in livestock and traditional Chinese medicine cultivation [8]. - The bank is also enhancing its digital transformation by launching online products and utilizing blockchain technology for transparent fund tracking, significantly improving loan approval efficiency [8].

Core Viewpoint - Green finance is a crucial support for Gansu's green development and economic transformation, with Gansu Bank playing a significant role in this initiative by providing financial resources to support ecological and economic collaboration [1] Group 1: Green Finance Strategy - Gansu Bank recognizes the importance of green finance for sustainable local economic development and has established a comprehensive system to support this strategy [2] - The bank has set up a dedicated green finance department and developed policies such as the "Green Credit Policy" and "Green Financial Bond Fund Management Measures" to manage green credit effectively [2] - Gansu Bank has implemented a self-evaluation mechanism to ensure compliance with national green development policies and maintain accurate data for green loans [2][3] Group 2: Financial Support for New Energy - Gansu Bank focuses its lending resources on the entire new energy industry chain, particularly in wind and solar energy projects, to enhance financial services for green industries [4] - The bank successfully facilitated a loan of 62.8 million yuan for the "Weiyuan County 100,000 kW Wind Power Project," demonstrating its commitment to supporting significant renewable energy initiatives [4] Group 3: Innovative Financial Products - Gansu Bank has developed a diverse range of green financial products tailored to the needs of different green industries, such as "Wind and Solar Unlimited Loan" for clean energy projects and "Energy Saving Loan" for energy efficiency enterprises [6][7] - The bank's "Ecological Agricultural Loan" supports green agricultural practices, contributing to both economic and ecological benefits for local farmers [7] Group 4: Green Finance Ecosystem - Gansu Bank has created a comprehensive green finance ecosystem through a combination of project libraries, incubation centers, and scenario integration, enhancing project acquisition efficiency [8] - The bank integrates green finance with rural revitalization efforts, providing specialized loans for projects in livestock and traditional medicine cultivation [8] - The bank is leveraging digital transformation to improve service delivery, utilizing blockchain technology for transparency in green bond funding and big data for risk assessment [8] Group 5: Future Outlook - Gansu Bank aims to align its operations with national strategies, focusing on clean energy, ecological restoration, and green infrastructure to contribute to Gansu's transformation into a "green strong province" [8]