当大理双廊的民宿完成升级迎来客流高峰，当丽江的氢能大巴穿梭于雪山脚下，当西双版纳的康养度假区雏形渐显，金融力量正成为云南文旅产业复苏升 级的核心引擎。在全省全力推进"文旅强省"建设的浪潮中，恒丰银行昆明分行以"共建者"的定位，精准滴灌超5.4亿元信贷资金，通过产品创新、模式突 破与科技赋能，在"文旅+康养""文旅+生态""文旅+乡村振兴"的融合赛道上书写了金融赋能的生动答卷。 精准滴灌为重大文旅载体注入金融动能 "文旅产业的资金需求既有大型项目的长期投入，也有小微企业的应急周转，必须摒弃'大水漫灌'，实现精准适配。"恒丰银行昆明分行公司金融部负责人 表示。数据显示，该行近年来累计投放文旅相关贷款超5.4亿元，形成了覆盖核心景区、特色民宿、文化IP、康养度假等多领域的服务矩阵。 在普惠金融领域，迭代至3.0版的"恒惠·客栈贷"成为民宿经营者的"及时雨"。这款斩获大理州2024年金融创新三等奖的金融产品，突破传统抵押物限制， 依托在线旅游平台评分与经营数据构建评估模型，累计投放8600万元支持大理、丽江等地客栈升级改造。 针对重点项目，该行建立敏捷专班响应机制，为重大文旅载体注入金融动能：向云南康旅集团支持600 ...

摘 要 恒丰银行更大的蜕变在于将金融资源向服务实体经济和国家战略倾斜：近年来，全行八成以上存量贷款 投放在沿黄、京津冀、长三角、粤港澳等区域；坚持"做强本土"战略，全力服务山东"走在前、挑大 梁"，承销山东债金额位居股份行首位 文｜傅帅 编辑｜张静 青岛港作业繁忙，联通全球180多个国家和地区的700多个港口。招金膜天公司走出了一条创新之路，产 品大量出口到日本、马来西亚、加拿大、新西兰、新加坡等国家…… 在百年未有之大变局下，世界经济运行面临较多挑战，但中国的综合国力在"十四五"期间屡创新高，韧 劲十足。其中，金融如同国民经济的血脉，为实体经济发展提供着不可或缺的动能。 自2019年底改革重组，恒丰银行转向高质量发展阶段，切实把各方面利好转化为发展实绩。预计到2025 年末，该行的资产总额可达1.6万亿左右，营业收入、净利润等经营指标逆势上扬，不良贷款率继续保 持下降势头，有望交出一份好于预期的成绩单。 恒丰银行更大的蜕变在于将金融资源向服务实体经济和国家战略倾斜：近年来，全行八成以上存量贷款 投放在沿黄、京津冀、长三角、粤港澳等区域；坚持"做强本土"战略，全力服务山东"走在前、挑大 梁"，全年承销山东债金 ...

Core Viewpoint - The article emphasizes the proactive approach of China Construction Bank (CCB) in Shenzhen towards financial consumer rights protection, integrating it into the city's financial ecosystem and enhancing social trust through innovative strategies and community engagement [5][12]. Group 1: Financial Consumer Rights Protection - CCB Shenzhen is committed to the "Big Consumer Protection" concept, focusing on financial services for the public and enhancing the financial ecosystem of the city [5][6]. - The bank has implemented a comprehensive risk prevention system, utilizing AI and big data to intercept fraud attempts, achieving a success rate of over 95% in fraud prevention [6][12]. - CCB has launched a "Consumer Protection + Inclusive Finance" model, providing up to 600 billion yuan in credit support to industry associations and member enterprises, thereby extending consumer rights protection from individuals to businesses [7][12]. Group 2: Community Engagement and Education - CCB has initiated the "2025 Financial Education Promotion Week," employing innovative methods to disseminate financial knowledge throughout the city, including interactive digital exhibitions and community workshops [8][9]. - The bank focuses on key demographics, such as the elderly and students, conducting targeted educational activities to raise awareness about fraud and financial literacy [9][10]. - CCB has established over 130 "Laborers' Harbors" to support outdoor workers and has implemented a unique online application model for social security cards, benefiting over 1 million new citizens [10][11]. Group 3: Corporate Culture and Social Responsibility - CCB integrates consumer protection into its corporate culture, conducting regular compliance training to ensure all employees embody the principles of honesty and customer respect [11][12]. - The bank has launched the "Good Building Beneficial Action" charity brand, donating over 200 million yuan to various social projects, including education for underprivileged children [11][12]. - CCB's comprehensive approach to consumer protection not only safeguards financial assets but also enhances the overall financial literacy of the community, contributing to a more trustworthy financial environment [12].

消费热，经济活。恒丰银行立足首都功能定位，依托北京市消费支持活动，以创新金融产品、数字服务升级、资源动态调配等举措，聚焦高频场景，发力大 宗消费，加大对促消费扩内需的支持力度。今年以来，恒丰银行在京开展惠民活动超百场，为畅通经济循环注入强劲金融动能，助力国际消费中心城市建 设。 恒丰银行客户经理正在现场为吴先生办理购置新房的按揭贷款 家住海淀区的吴先生一直希望改善居住条件，但由于流程繁琐、审批周期长而迟迟未能实现。恒丰银行北京分行推出的高效按揭服务，从申请到放款仅用五 个工作日，帮助吴先生顺利购置了心仪的房子，并带动了装修、家电等相关消费。 今年以来，在房地产政策持续优化背景下，恒丰银行精准把握市场机遇，住房信贷的快速增长有效激活了消费链条。截至今年6月末，北京分行按揭贷款余 额较年初增长四成。通过跨条线协同创新，多部门联动优化授信策略，将全流程时效压缩75%，为刚性及改善性住房需求提供高效支持。 八月的新疆，是一年中最迷人的度假黄金季节，喀纳斯湖碧波荡漾，伊犁草原野花如海，正是出行好时节。家住北京朝阳区的闫先生和妻子本想前往度假， 却因刚装修完房子，资金紧张。正在发愁时，他通过"恒银e贷"无抵押个人信用消费 ...

Core Insights - The retail business has become a strategic focus for many banks, with increasing attention from institutional investors on its development [1][4] - Digital transformation is playing a crucial role in enhancing retail banking capabilities and service offerings [5][6] Group 1: Retail Business Development - Several listed banks are actively expanding their retail business, with notable growth in personal financial asset management and deposits [2][3] - For instance, Hu'nong Commercial Bank reported a 10.89% increase in managed personal financial assets, reaching 687.33 billion yuan by September 2022 [2] - Minsheng Bank's retail customer total assets grew by 1.19 billion yuan, with retail business revenue accounting for 49.01% of total revenue, up 5.57 percentage points year-on-year [3] Group 2: Digital Empowerment - Digitalization is integral to the transformation of retail banking, with banks implementing various digital strategies to enhance customer engagement and service efficiency [5][6] - Minsheng Bank has successfully engaged 37.4 million customers through digital channels, achieving an 11.39% success rate in customer activation [5] - Nanjing Bank is leveraging big data to provide integrated financial services, focusing on wealth management and product innovation [6] Group 3: Future Challenges and Strategies - The retail banking sector faces challenges such as high costs and competition from alternative financial services, necessitating a focus on sustainable value creation [4][7] - Banks are encouraged to maintain strategic focus and invest in retail banking while exploring partnerships with external institutions to enhance service offerings [8] - The future growth of retail banking is expected to be driven by improved asset management capabilities and wealth management services [8]

Core Viewpoint - The banking industry is undergoing a significant transformation in its mobile applications, with many banks opting to integrate or discontinue their apps to enhance efficiency and user experience [1][2][4]. Group 1: Current Trends in Banking Apps - Zhuhai China Resources Bank announced that its "Run Wallet App" will cease operations on October 15, 2025, with functionalities migrating to the China Resources Bank App [1]. - A trend of "thinning" is observed in the banking app sector, with multiple banks consolidating or shutting down their apps, particularly in credit card and direct banking services [2]. - The closure and integration of apps reflect the challenges and strategies banks face during digital transformation, including cost reduction, efficiency improvement, and market competition [1][2]. Group 2: Operational Insights - Each banking app requires significant investment in human resources, technology, and funding, making independent apps less viable as new credit card user growth stagnates [2]. - Consolidating apps allows banks to focus resources on core business areas, enhancing overall operational efficiency, aligning with current financial regulatory policies [2][3]. Group 3: User Experience and Future Directions - The integration of apps is expected to improve user experience by providing a one-stop service for various financial needs, reducing the complexity of managing multiple apps [3][4]. - Future banking apps are anticipated to leverage advanced technologies like big data and artificial intelligence to offer personalized financial solutions and enhance user experience [4][5]. - The trend indicates a shift towards ecological, intelligent, and differentiated banking apps, moving beyond traditional functions to create a "life + finance" ecosystem [5].