"十四五"期间，招商银行成都分行坚持把金融服务实体经济作为根本宗旨，持续深化金融供给侧结构性改革，不断提升服务经济高质量发展的能力与质效， 取得了显著成效。 "全周期伙伴"赋能企业跨越式发展 据悉，招商银行成都分行业务团队与当地某生物医药公司建立了合作关系，为其提供开户、结算等金融服务。随着企业快速发展，在其筹备上市关键阶段， 招商银行成都分行展现出专业的跨境服务能力。 在上市进程中，该行充分发挥集团化优势，为企业提供资管支持。上市后，招商银行成都分行继续为企业提供海外资金管理服务，通过跨境资金管理方案帮 助企业提高资金收益。当企业进入规模扩产时，该行业务团队及时提供项目贷款，支持企业研发与扩容。这种全周期、一站式的金融服务模式体现了该行服 务实体经济、支持科技创新的理念。 布局"十五五"，招商银行成都分行将继续围绕成都市16条重点产业链持续深入园区企业服务，精细化梳理重点产业链上下游关键环节，绘制详细产业图谱， 助力更多中小微企业融入产业链，助力园区构建"圈链融合"金融服务新生态。 做好金融"五篇大文章"构建全周期金融服务生态 转自：新华财经 在绿色金融方面，招商银行成都分行致力于将绿色低碳理念融入发展战略 ...

Core Viewpoint - Since the beginning of the 14th Five-Year Plan, China Merchants Bank's Ganzhou branch has prioritized serving local economic and social development, focusing on financial innovation and support for various sectors [1] Group 1: Technology Financial Innovation - The Ganzhou branch has concentrated on the technology innovation sector, enhancing financial services to help enterprises overcome financing challenges, contributing to high-quality regional economic development. As of the end of October, the balance of technology loans reached 2 billion yuan, with an increase of nearly 1.1 billion yuan since the beginning of the year, representing a growth rate of 90% [2] - The branch has introduced specialized financial products like "Tech Innovation Loans," with a current balance exceeding 74 million yuan, and has optimized the financing environment for tech enterprises through subsidies and supply chain financing, achieving a general loan balance of approximately 1.3 billion yuan [2] Group 2: Inclusive Financial Services for Small and Micro Enterprises - During the 14th Five-Year Plan, the Ganzhou branch promoted various financing products such as government procurement loans and small micro loans, aiming to address the operational funding needs of enterprises. By the end of October 2025, the balance of inclusive small micro loans is expected to reach about 2.3 billion yuan, serving around 3,100 clients [3] - The branch has implemented preferential interest rate policies and differentiated pricing strategies for small micro enterprises, resulting in an average interest rate reduction of 228 basis points compared to 2021 for newly issued retail small micro loans [3] Group 3: Elderly Financial Services - The Ganzhou branch has focused on the core needs of elderly clients, enhancing service accessibility by equipping branches with practical tools and promoting a simplified version of their app for seniors. As of now, approximately 240,000 electronic social security cards have been issued [4] - The branch has developed a comprehensive pension financial service system, with a total pension account opening of about 25,000 and a deposit amount of approximately 7.5 million yuan, averaging 4,500 yuan per account [4] Group 4: Digital Service Upgrades - The Ganzhou branch has improved customer experience by focusing on key service scenarios such as meal tickets and transportation services, with nearly 1,400 enterprises registered for the "Salary Benefit" service and over 30 using the "Meal Ticket" service, serving more than 32,000 customers [5] - The branch has also enhanced digital transformation efforts, collaborating with the local housing fund center to provide comprehensive online services for housing fund inquiries and transactions, and has received recognition for its service excellence [6]

Core Viewpoint - China Merchants Bank Nanchang Branch has been committed to serving the local economy and social welfare in Jiangxi for 27 years, focusing on differentiated, refined, intelligent, and professional financial services to support economic development and improve people's livelihoods [1] Financial Development and Services - The bank has implemented the "1269" action plan during the 14th Five-Year Plan period, aiming to achieve over 100 billion yuan in loans and over 140 billion yuan in deposits by September 2025, serving over 4.34 million personal customers and nearly 70,000 corporate customers [1] - The bank has established a "six specialized" mechanism in technology finance, providing differentiated financial services to tech enterprises, with a technology finance loan balance exceeding 11.6 billion yuan and an annual increase of nearly 3.2 billion yuan by September [2] - In green finance, the bank promotes various green loan products, achieving a green loan balance of over 8 billion yuan with an annual increase of nearly 1.8 billion yuan [2] - The bank has set up a working group for small and micro enterprise financing, resulting in a balance of inclusive loans exceeding 23.3 billion yuan and an annual increase of nearly 1.1 billion yuan [2] Support for Key Industries - The bank focuses on supporting key industries such as non-ferrous metals, electronic information, equipment manufacturing, new energy, and pharmaceuticals, with a target loan growth rate exceeding the average growth rate of corporate loans by 13.5 percentage points [3] - By 2025, the bank plans to invest over 10.7 billion yuan in 12 key industrial chains, enhancing support for regional quality industries [3] Rural Revitalization Initiatives - The bank emphasizes support for rural areas, particularly in renewable energy projects, with nearly 100 million yuan in loans for rural infrastructure and over 3 billion yuan in new loans for agriculture and rural development by 2025 [4] - The bank actively supports specific villages in Jiangxi, enhancing local industries and community projects to improve residents' income [4] Innovation and Customer Service - The bank prioritizes customer-centric service, implementing a "one-hour response" mechanism to enhance customer satisfaction and service experience [5] - The bank integrates counter and lobby services to create a seamless service experience, recognized as a model for civilized service [5] Product and Business Innovation - The bank promotes various digital products such as "Salary Welfare," "E-Catering," and "Financial Management Cloud," providing comprehensive solutions for enterprises [6][7] - The bank has developed innovative financing products based on government procurement contracts, supporting over 500 suppliers [7]

Core Insights - The digital economy has become a crucial engine for China's economic growth, with its share of GDP exceeding 40% since 2022, and is experiencing rapid growth [1] - Digital finance is recognized as one of the key components for high-quality development of the digital economy, as emphasized by the central financial work conference [1] Group 1: Digital Financial Initiatives - China Merchants Bank Chengdu Branch is leveraging the "Smart Bank" strategy to enhance customer service and accelerate digital transformation in response to national and head office strategies [1] - The branch has implemented an immersive experience in its digital finance exhibition hall, allowing customers and employees to engage with AI tools for practical applications [2] - The bank has introduced digital solutions targeting pain points in key industries such as manufacturing, retail, and high-tech, providing comprehensive digital services for human resources and finance [3] Group 2: Regional Economic Support - The Chengdu Branch is actively supporting local enterprises' digital transformation in line with the Chengdu-Chongqing economic circle strategy, enhancing convenience for citizens through services like roadside parking payments via the bank's app [4] Group 3: Talent and Mechanism Innovation - The bank emphasizes the recruitment of tech talent, with over 65% of its tech team possessing relevant R&D skills, and promotes deep integration of tech personnel with business lines [5] - The "Ferry Plan" has been established to collaborate with the head office on IT projects, accelerating the digital transformation process [5] Group 4: Cloud Infrastructure Development - The bank has completed a comprehensive cloud migration project over three years, breaking traditional architecture barriers and supporting rapid business validation and iteration through a microservices approach [6] Group 5: Social Value and Financial Inclusion - Since the 14th Five-Year Plan, the bank has utilized "technology + finance" to empower digital transformation for enterprises and support rural revitalization, addressing financing bottlenecks for small and micro enterprises [7] - The bank's future digital initiatives will continue to focus on serving the real economy and social welfare, with products designed to enhance efficiency and convenience for citizens and businesses alike [8]

Core Insights - The establishment of the National Small and Micro Enterprises Fund Flow Credit Information Sharing Platform aims to enhance the credit information sharing among financial institutions, thereby improving the financing efficiency for small and micro enterprises [1][2] Group 1: Platform Implementation and Coverage - The platform has been fully integrated with 15 national banks and 3 local banks in Gansu Province, achieving comprehensive coverage of major banking institutions [1] - Since its launch, the platform has facilitated 53,200 queries for fund flow credit information, enabling small and micro enterprises to secure over 11 billion yuan in financing, benefiting 2,876 enterprises [1] Group 2: Impact on Credit Access - The platform provides a comprehensive view of enterprises' financial activities, including nearly three years of income and expenditure records, which aids financial institutions in making informed credit decisions [2] - The proportion of pure credit loans issued to small and micro enterprises has reached 27.3%, indicating a shift towards less reliance on collateral [2] Group 3: Risk Management and Efficiency - Financial institutions are utilizing platform data to enhance risk management through data-driven models, moving away from traditional expert judgment [3] - The integration of platform data into banks' credit systems has significantly reduced loan approval times from 15-20 days to as little as 1-3 days, addressing the issue of slow loan processing [4] Group 4: Future Development - The People's Bank of China in Gansu Province plans to continue promoting the platform to further support the financing development of small and micro enterprises, encouraging innovation in financial products and services [4]

Core Insights - China Merchants Bank (CMB) is addressing the challenges of inclusive finance and technology finance by launching a comprehensive upgrade of its digital financial services for enterprises, focusing on AI integration to enhance service ecosystems and drive high-quality development in the real economy [1][2] Group 1: Inclusive Digitalization - CMB aims to break down barriers in service delivery by leveraging AI and digital technologies to provide inclusive financial solutions, focusing on reducing costs, difficulties, and filling gaps in service [3][4] - The bank offers free basic financial services for SMEs upon account opening, and products like "Science and Technology Loan" and "Enterprise Loan" are fully online without collateral requirements [4] - CMB has introduced tools like "Bill Scanning" to expedite processes, reducing the time for bill verification and loan disbursement to 3 minutes, significantly lowering the digitalization threshold for enterprises [4] Group 2: Intelligent Financial Services - CMB has developed a layered service matrix centered around "AI Assistant," providing tailored digital assistants for different roles within enterprises, enhancing operational efficiency [5] - The bank's online services have enabled enterprises to independently activate 2.5 million product functions, and the AI Assistant has served 70,000 clients since its launch [5] Group 3: Scenario-Based Financial Solutions - CMB is focusing on industry-specific and scenario-based financial services, particularly in the automotive sector, to meet the evolving financial needs of the supply chain [6][7] - The bank has created comprehensive financial solutions for the new energy vehicle industry, addressing the entire supply chain from manufacturers to end consumers [6] Group 4: Treasury Management - CMB has established a multi-tiered treasury management cloud system to support the diverse needs of group and global enterprises, introducing the "Smart Treasury" product to enhance service capabilities [8][9] - The bank's treasury services include global account management, payment factories, and risk management, addressing the challenges faced by enterprises operating internationally [9][10] Group 5: Service Capability Enhancement - CMB is enhancing its service capabilities across four dimensions: scenario-based, global, intelligent, and platform-based, to support enterprises in achieving operational excellence [9][10][11] - The bank is implementing a unified data platform to facilitate intelligent decision-making and risk management, ensuring real-time monitoring and response to anomalies [12] Group 6: Client-Centric Approach - CMB's service upgrade is driven by customer feedback, with over 13,000 effective suggestions from 180,000 clients contributing to continuous improvement [13] - The bank emphasizes the importance of technology and business collaboration, aiming to create exceptional customer experiences and contribute to the digital transformation of enterprises [13]

Core Insights - The core focus of the event was on upgrading corporate digital financial services through AI and technology, aiming to enhance the overall service ecosystem for enterprises and support high-quality development of the real economy [1] Group 1: Inclusive Digitalization - The bank aims to break down service barriers by integrating AI and digital technologies to provide inclusive financial solutions, addressing industry pain points such as cost, risk, and scale [2] - New digital tools for small and medium-sized enterprises (SMEs) include free basic financial services upon account opening and fully online processes for products like "Science and Technology Loan" and "Enterprise Loan," significantly reducing costs and difficulties for businesses [3] Group 2: Intelligent Financial Services - A layered service matrix centered around "AI Xiao Zhao" has been developed to provide tailored digital assistants for different roles within enterprises, enhancing operational efficiency and decision-making [4] - The bank's online services have enabled enterprises to independently activate 2.5 million product functions, with 300,000 letters of guarantee issued and 70,000 clients served by AI Xiao Zhao since its launch [4] Group 3: Scenario-Based Financial Solutions - The bank has introduced customized financial service solutions that integrate industry and scenario-specific needs, particularly in the automotive and consumer sectors, to enhance supply chain collaboration [5][6] - In the automotive sector, the bank offers comprehensive financial solutions that address the entire supply chain, including global fund management and innovative financing products for suppliers [5] Group 4: Treasury Management - The bank has established a multi-tiered treasury management cloud system to support the diverse needs of group and global operations, with a focus on scenario-based, global, intelligent, and platform capabilities [7] - The new "Smart Treasury" product enhances service capabilities across four dimensions, including scenario-based services, global operations, intelligent services, and platform support [8][9] Group 5: Operational Efficiency and Risk Management - The bank aims to improve operational efficiency through comprehensive account management, payment processing, and financial resource management, creating a unified governance ecosystem for all financial resources [10] - A unified data platform has been developed to support intelligent decision-making and risk management, ensuring real-time monitoring and response to anomalies [11] Group 6: Customer-Centric Approach - The service upgrade is driven by customer feedback, with over 13,000 effective suggestions received from 180,000 clients, highlighting the bank's commitment to listening to customer voices [12] - The bank emphasizes the importance of technology and business team collaboration, aiming to create an exceptional customer experience while contributing to the digital transformation of enterprises [12]

Core Viewpoint - The development of inclusive finance is a crucial initiative at the national level to promote economic inclusive growth and maintain social fairness, with significant social implications in stabilizing employment, ensuring livelihoods, and promoting innovation [1] Group 1: Product Innovation - The company is enhancing traditional micro-enterprise mortgage loans while leveraging digital transformation to strengthen channel construction, promoting the integration of online and offline development [2] - New online financing products for micro-enterprises have been launched, including Lightning Loan, Government Procurement Loan, Medical Insurance Loan, and others, effectively meeting the quick financing needs of various micro-market entities [2] - As of August 2025, the company has served 17,000 micro-loan clients with an average loan balance of 730,000 yuan, demonstrating a commitment to making finance accessible to the public [2] Group 2: Risk Pricing - The company is optimizing the risk pricing scheme for micro-enterprise financing to reduce financing costs, with the profit subsidy for inclusive micro-loans increased to 70 basis points since 2022 [3] - The risk weight for small and medium enterprises has been lowered to 85%, and for eligible micro-enterprises to 75%, effectively promoting price reductions [3] - As of August 2025, the average interest rate for newly issued inclusive micro-loans is 3.12%, a decrease of 0.75 percentage points year-on-year, alleviating the financing cost pressure on micro-enterprises [3] Group 3: Credit Support - The company emphasizes early credit support through detailed KYC processes to ensure quick lending, targeting long-term stable cooperative clients and technology innovation enterprises [4] - Active marketing strategies are employed to promote the concept of "credit can be prepared but not used without preparation," enhancing the efficiency of micro-financial services [4] - As of August 2025, the company achieved an inclusive loan balance of 12.46 billion yuan, a year-on-year increase of 9.15%, reflecting its commitment to supporting the development of the real economy [4]

Core Viewpoint - The MSCI ESG rating of CITIC Bank has been upgraded by two levels to the highest rating of AAA, reflecting the overall improvement of the banking industry's ESG performance in China, driven by regulatory policies and the banks' own efforts [1][2]. Group 1: ESG Ratings and Performance - As of September 19, five banks in China have achieved the MSCI ESG rating of AAA, including CITIC Bank, which upgraded on September 8, 2023 [2]. - Among 42 A-share listed banks, 25 banks have an ESG rating of A or above, indicating that nearly 60% of these banks have high ratings [2]. - The banking sector's ESG ratings outperform other industries, attributed to lower environmental and social risks and better digital infrastructure [2]. Group 2: ESG Reporting and Green Finance - All 42 A-share listed banks have disclosed their 2024 ESG reports, significantly higher than the overall ESG report disclosure rate of 46.83% for A-share listed companies [3]. - The rapid growth of green finance in the banking sector has significantly contributed to the improvement of ESG ratings, with major banks like ICBC and Bank of China leading in green loan balances [3]. - By June 2025, the banking sector's green loan balance is expected to reach approximately 42 trillion yuan [3]. Group 3: Regulatory and Policy Drivers - National policies and regulatory requirements have driven the continuous improvement of ESG performance in the banking sector, including guidelines from the former CBIRC and the central bank's carbon reduction support tools [4]. - The emphasis on information disclosure in the banking sector has been reinforced by regulatory frameworks, enhancing transparency and accountability [4]. Group 4: Governance and Management - Major banks are integrating ESG into their corporate strategies, viewing it as a catalyst for business innovation and risk management [5]. - Banks have established comprehensive ESG management systems, with governance structures that include dedicated committees for overseeing ESG initiatives [6]. - Training programs on ESG-related knowledge are being implemented to enhance management capabilities within banks [6]. Group 5: Social Dimensions and Community Impact - The banking sector has made significant strides in consumer rights protection and inclusive finance, with banks like CITIC Bank and China Merchants Bank implementing systematic compliance measures [7]. - The promotion of inclusive finance is evident, with banks disclosing increases in loans to small and micro enterprises [7]. - In rural revitalization efforts, banks have increased agricultural loan balances and provided substantial funding for community projects [8]. Group 6: Climate Change and Innovation - The banking sector is increasingly focusing on climate issues, conducting risk assessments related to climate change and developing innovative financial products to support green transitions [9]. - Banks are beginning to disclose financing emissions as part of their ESG reports, with pilot projects already underway [9]. - Innovative financing solutions, such as ESG-linked loans, are being introduced to incentivize environmentally friendly practices among borrowers [10][11].

Core Insights - The MSCI ESG rating of CITIC Bank has been upgraded by two levels to the highest AAA rating, making it one of five banks in the A-share market to achieve this rating [1][2] - China's banking sector is leading in ESG performance compared to other industries, with 25 out of 42 listed banks rated A or above [2][3] - The improvement in ESG ratings is attributed to both regulatory support and the banks' own efforts in governance and green finance innovation [1][4] ESG Performance - As of September 19, five banks, including CITIC Bank, have achieved the AAA rating in the MSCI ESG ratings [1] - The average ESG rating of the banking sector is higher than that of other industries, with nearly 60% of listed banks rated A or above [2] - The disclosure rate of ESG reports among A-share listed banks is significantly higher than the overall market, with 100% of banks disclosing their 2024 ESG reports compared to 46.83% for all A-share companies [2] Green Finance Growth - The scale of green finance in the banking sector has been growing rapidly, with major banks like ICBC and Bank of China leading in green loan balances [3] - As of June 2023, ICBC's green loan balance exceeded 6 trillion yuan, while Bank of China's green loan balance reached 4.54 trillion yuan, growing by 16.95% compared to the end of 2024 [3] - The total green loan balance in the banking sector is projected to reach approximately 42 trillion yuan by June 2025 [3] Governance and Strategy - Banks are increasingly integrating ESG into their corporate strategies, with many viewing it as a catalyst for business innovation and risk management [4][5] - Major banks have established comprehensive ESG management systems, with clear responsibilities for ESG-related risk management at the board level [4] - Training programs on ESG governance and sustainable development are being implemented, with ICBC training over 120,000 employees in 2024 [5] Social Responsibility - Banks are enhancing their performance in consumer rights protection and inclusive finance, contributing positively to their ESG ratings [6][7] - For instance, CITIC Bank and China Merchants Bank have implemented systematic compliance management measures for financial marketing [6] - In inclusive finance, China Merchants Bank reported a balance of 887.68 billion yuan in loans to small and micro enterprises by the end of 2024, an increase of 83.4 billion yuan from the previous year [7] Climate Change Initiatives - The banking sector is increasingly focusing on climate-related issues, conducting stress tests and scenario analyses to assess the impact of climate change on their assets [8][9] - Banks are leveraging digital capabilities to support industrial transformation towards green and low-carbon practices [9] - Notable projects include Bank of China's financing for a carbon capture project and CITIC Bank's issuance of a green loan linked to sustainable development in the construction industry [10]