7月24日，中国信息通信研究院在2025（第二届）产融合作大会上公布金融业数字化转型能力评估模型 标准（FDMM）评估结果，并为获评单位授牌。交通银行获评数字化技术应用能力域五级（卓越级） 认证，成为金融业首批获得最高等级认证的机构，标志着交行数字化转型技术应用能力已成为行业领先 标杆。 在建强金融科技实力的基础上，交行以"数据要素+数字技术"双轮驱动，提升业务价值，增强服务实体 经济质效。依托大数据、隐私计算等技术，创新推出"主动授信"金融服务模式，为科技型小微企业 送"贷"上门，有效缓解企业融资难、融资慢的问题。运用企业级思维，打造线上抵押贷、惠商贷、惠农 贷等标准产品和"链享惠贷""商圈惠贷"等纯信用场景产品。基于区块链等技术，上线"交银航贸通"平 台，实现跨境结算、结售汇、外贸快贷等业务全流程"线上办""掌上办"。在风控领域全域应用AI技术， 打造覆盖"全集团机构、全品种产品、全风险类别"的数字化全面风险管理体系，实现风控从"人防""技 防"向"智控"转变，切实履行"守护百姓钱袋子"的责任担当。 面对新时期高质量发展要求，交行坚持将数字化新交行建设作为战略推进的重要突破口之一，持续加大 科技投入，强化 ...

深化数智金融共绘数字生活 交通银行党委委员、副行长、首席信息官钱斌 建设数字中国是数字时代推进中国式现代化的重要引擎，是构筑国家竞争新优势的有力支撑。交通银行 以数字化新交行建设作为战略推进重要突破口之一，推动高质量发展向深向实。 全力支持实体经济发展。以数字技术驱动产品创新、服务升级，为实体经济提供更便利、精准的金融支 持。做强做优科技金融，创新"1+N"科技型企业评价模型，打造"科创易贷"产品线，提升"股贷债租 托"综合服务能力；做深做广普惠金融，打造惠商贷、惠农贷等标准产品和"家居惠贷""链享惠贷"等纯 信用场景产品，创新"主动授信、精准触达"的服务模式，更好满足小微企业主和个体工商户融资需求。 用心服务百姓美好生活。综合运用数智化手段，推出"交银惠贷"品牌，传达金融惠民理念；推出"惠民 就医""地铁闪付过闸"等便民产品，着力满足民生所需。强化政务服务"引进来"和"走出去"，积极参与 数字雄安、"电子围网"建设；全力推广"交政通"，将2100余项政务事项嵌入网点自助终端，打通政务服 务"最后一公里"。响应国家提振消费专项行动，推出消费满减、数币红包等活动，进一步激发消费活 力。 夯实数字化发展根基。多地 ...

Core Insights - The financial support from the People's Bank of China has significantly aided the post-earthquake recovery and reconstruction efforts in Sichuan, with substantial increases in deposits and loans in the affected areas [1][3][5] Financial Recovery and Support - As of March 2025, deposits in Ganzi and Ya'an reached 299.39 billion yuan, a 17% increase since September 2022, while loans increased by 25% to 221.47 billion yuan, indicating a full recovery and surpassing pre-earthquake levels [1][3] - The People's Bank of China implemented a housing reconstruction loan plan, offering up to 30 million yuan in loans with a 30 basis point reduction in interest rates, which has facilitated the repair and rebuilding of homes for over 35,918 households [3][5] Economic Revitalization - Financial institutions have introduced various relief policies, including loan extensions and interest rate reductions, to support local businesses and stimulate economic activity in the disaster-stricken areas [5][6] - By March 2025, 364 post-disaster reconstruction projects had been initiated, with a completion rate of 92.62% and total investments of 20.037 billion yuan [6] Tourism and Cultural Development - The recovery of the tourism sector has been notable, with the reopening of the Hailuo Valley scenic area in December 2023, which has since attracted 150,000 visitors and generated 1.057 billion yuan in tourism revenue [8] - The tourism industry in Ganzi has seen a resurgence, with a total of 2.78118 million visitors and tourism revenue reaching 33.866 billion yuan since the earthquake, exceeding pre-disaster levels [8] Industry Collaboration and Innovation - The People's Bank of China has facilitated innovative financing solutions, such as using trademark rights as collateral for loans, which has helped local businesses like Sichuan Guyu Water Industry Co., Ltd. to recover and create jobs [4][6] - Collaborative efforts between financial institutions and local governments have led to the establishment of new agricultural practices and the introduction of high-value crops, enhancing local economic resilience [6][7]

Group 1 - The core viewpoint of the articles highlights the proactive measures taken by the Bank of Communications Shanghai Branch to boost consumer spending during the 2025 "May Day" holiday, achieving a total consumption amount of 3.8 billion yuan, a year-on-year increase of 11% [1][2] - The bank engaged in multi-level marketing strategies, launching a series of promotional activities under the theme "'Enjoy with Bank of Communications, Benefits in Shanghai," focusing on four major areas: dining, entertainment, shopping, and transportation [1] - The bank plans to establish a year-round themed consumption promotion system to create a sustainable consumption ecosystem [1] Group 2 - The bank introduced the "Bank of Communications Elderly Care" brand, targeting the elderly demographic with tailored services, resulting in a year-on-year increase of 12.2% in transaction numbers and 15.15% in transaction amounts for customers aged 50 and above [1] - For younger consumers, the bank launched unique events such as the Cultural Tourism Carnival and "Second Dimension Pilgrimage Season" to cater to personalized consumption needs [1] - The bank enhanced the payment environment for foreign consumers by collaborating with leading taxi companies to offer mobile POS services for international card acceptance, leading to a year-on-year increase of 37% in transaction counts and 34% in transaction amounts during the holiday [2] Group 3 - The bank introduced the "Hui Shang Dai 2.0" inclusive financial product to provide efficient financing services for individual businesses and small enterprises [2] - The bank also promoted consumption upgrades in green home appliances and new energy vehicles by leveraging the national "old-for-new" policy, government subsidies, and exclusive discounts [2] - The Bank of Communications Shanghai Branch aims to deepen the synergy between policy, finance, and market to inject more momentum into Shanghai's development as an international consumption center [2]

Core Viewpoint - The "Five Five Shopping Festival" in Shanghai aims to stimulate consumption and enhance the local economy through a comprehensive framework of activities and partnerships, focusing on various consumer needs and preferences [1][4]. Group 1: Event Framework and Objectives - The festival operates under a "1+15+16+X" framework, which includes one main celebration, 15 flagship IPs, 16 district themes, and various special activities [1]. - The core goal is to "expand domestic demand and promote consumption," with initiatives designed to directly benefit consumers [1]. Group 2: Key Activities and Initiatives - "Jiao Xiang Huan Xin Carnival" focuses on the "old-for-new" policy, offering bank consumption discounts to lower costs for consumers in sectors like home appliances and digital products [2]. - "Jiao Xiang Wen Lv Carnival" promotes travel and cultural consumption, providing exclusive credit card benefits and special travel packages [2]. - "Jiao Xiang Fen Qi Carnival" offers installment payment options for electric vehicles and popular consumer products, supporting green finance and low-altitude economy [2]. - "Yin Fa Le Lin Carnival" targets elderly consumers, creating a financial and lifestyle service loop that addresses their core needs [3]. - "Jiao Xiang Sheng Huo Carnival" introduces a "Business Circle Boutique Promotion Festival," highlighting Shanghai's unique cultural and culinary offerings [3]. - "Jiao Xiang Hui Fu Carnival" collaborates with major online platforms to enhance online shopping incentives, stimulating digital consumption [3]. Group 3: Sustainable Consumption Ecosystem - The Shanghai branch of the bank aims to create a "year-round shopping festival" by extending promotional activities throughout the year, thus stabilizing market expectations and reducing seasonal consumption fluctuations [4]. - The strategy includes regular events and discounts, ensuring continuous consumer engagement and support for the local economy [4]. Group 4: Support for Merchants and Small Businesses - The bank focuses on enhancing the visibility and sales of quality dining and traditional brands through various promotional channels, including online live broadcasts and food vlogs [5]. - It offers tailored financial services for small businesses, including simplified loan processes and quick approval for financing needs [5]. - The bank is optimizing mortgage-based loan products for businesses in key commercial areas to meet larger financing demands [5]. Group 5: Addressing Untapped Consumer Needs - The bank is leveraging its channels to stimulate overlooked consumer demands, such as promoting home modifications for the elderly to improve their quality of life [6]. - It aims to attract more tourists to Shanghai by sharing compelling narratives about the city, thereby unlocking additional consumption potential [6].