8月29日，浙商银行发布2022年半年度报告。今年以来，浙商银行深入贯彻党中央、国务院、省委 省政府的决策部署和监管要求，履行金融"国之大者"使命担当，以"一流的商业银行"愿景为统领，聚焦 数字化改革、深耕浙江、五大板块、财富管理等四大战略重点，以"十二字"经营方针为指引，承担实体 经济发展重担，在攻坚克难中保持企稳向好的坚实增长，高质量发展新征程迈出新步伐。 2022年上半年，浙商银行（集团口径，下同）实现营业收入317.40亿元，同比增长22.53%。通 过"向有鱼的湖里撒网"和"提高粮食亩产"并举，在存贷款稳健增长的同时存款付息率有所下降，非息净 收入明显好转，实现归属于该行股东的净利润69.74亿元，同比增长1.8%。 稳增长：营收增速居同业前列 2022年上半年，浙商银行业务规模稳定向好。截至6月末，总资产2.52万亿，比上年末增长 10.26%，其中发放贷款和垫款总额1.47万亿元，比上年末增长9.41%。 响应国家稳住经济大盘号召，浙商银行将信贷资源投向实体经济最需要的地方。制造业中长期贷款 余额655.73亿元，增幅18.74%；全行绿色贷款余额达1255.74亿元，增速20.46%，清洁能源 ...

Core Viewpoint - The articles highlight the initiatives taken by Shangrao Bank to boost local consumption and support the home improvement industry, emphasizing the importance of digital finance in enhancing consumer experiences and driving economic growth [1][2]. Group 1: Event and Consumer Engagement - The "618 Shangrao Building Materials and Home Decoration Festival" was launched on June 20, featuring major home decoration brands and immersive consumer experiences, running until June 22 [1]. - The event introduced three major consumer benefits: a total of 200,000 yuan in consumption vouchers, a lottery for eight lucky consumers to receive free living room renovations, and significant discounts on over a thousand popular home materials [1]. Group 2: Economic Impact and Financing Support - Shangrao Bank successfully organized a home appliance exchange event, engaging over 50,000 participants and generating over 500 million yuan in home decoration consumption by the end of May [2]. - The bank has developed the "Digital Loan" product to provide customized financial services for manufacturing enterprises undergoing digital transformation and smart upgrades, thereby promoting local industrial upgrades [2]. Group 3: Digital Transformation and Future Vision - Shangrao Bank completed the adaptation of its mobile banking app to the HarmonyOS, ensuring seamless compatibility with Huawei devices and enhancing service delivery through distributed technology [2]. - The bank aims to continue its journey towards standardized, intelligent, and modernized development, accelerating digital transformation to inject strong momentum into high-quality development of the real economy [2].

Core Viewpoint - Zhejiang Merchants Bank Shanghai Branch is committed to supporting the private economy by implementing various financial support policies and enhancing financial services for private enterprises [1][7] Group 1: Support for Private Enterprises - The bank actively reduces financing costs for private enterprise clients by implementing differentiated pricing strategies, offering loan interest rate discounts, and expanding the coverage of fee reductions [1] - The bank promotes seamless loan renewals and expansions, adhering to the requirements of the national financial supervision authority to enhance the coverage of seamless loan renewals for small and micro enterprises [1] - The bank is focused on reducing the financial burden on private enterprises by waiving various fees and costs associated with banking services [1] Group 2: Integrated Financial Services - The bank accelerates the reform of integrated financial services centered on customer needs, utilizing a comprehensive service model that combines commercial banking, transaction banking, investment banking, and private banking [2] - The bank enhances collaboration between small and large enterprises by leveraging cross-departmental coordination and providing comprehensive financial services through joint marketing and project collaboration [2] - The bank supports private enterprise bond issuance, particularly through risk mitigation instruments, to improve market acceptance and reduce financing costs [2] Group 3: Financing Service Mechanisms - The bank aims to establish effective financing service mechanisms by enhancing cooperation with government-backed financing guarantee companies to provide better financial services for small and micro enterprises [3] - The bank conducts extensive outreach and research activities to address the urgent needs of private clients, ensuring a responsive organizational structure to meet market demands [3] Group 4: Digital Financial Ecosystem - The bank is developing a comprehensive digital financial service model that integrates digital reform with practical applications to create a collaborative digital ecosystem for supply chain financing [4] - The bank is focused on leveraging data value by utilizing digital financial platforms to provide services to underserved groups and enhance credit data applications [5] Group 5: Service System and Risk Control - The bank is simplifying approval processes to improve service efficiency, aiming to reduce unnecessary steps and shorten loan approval times for private enterprises [6] - The bank is enhancing resource allocation and incentive mechanisms to direct more credit resources towards private enterprises, particularly in manufacturing and green finance [6] - The bank is optimizing risk control strategies by focusing on the primary repayment sources and reducing reliance on collateral, while enhancing credit information sharing with government and industry associations [6]