县域是城乡融合发展的重要切入点，也是实施乡村全面振兴战略的主战场，更是发展普惠金融的关键阵 地。中国人民银行雅安市分行"固'点'、成'线'、拓'面'"，为富民兴业注入金融动能。截至7月末，雅安 市普惠小微贷款余额同比增长16.27%，高于各项贷款增速5.51个百分点。 固"点"：夯实县域金融服务"四梁八柱" 成立县域金融服务工作委员会，坚持党对金融工作的全面领导，发挥党委"头雁领航"作用，由中国人民 银行雅安市分行党委书记、行长任主任、其他党委班子成员任副主任，推动县域经济金融协同共进。 2025年以来，该行党委班子成员带头深入9个县(区)召开座谈、调研35次，回应政府、企业、群众金融 诉求60余个。 "两点"即金融联络员和联系行，精选9名年轻干部、9家县域银行机构分别担任金融联络员、联系行，常 态化对接助推政策传导精准化、问题解决高效化、资源协同最大化。 成"线"：畅通市县协同链路 内外协同聚合力。建立县域金融服务工作委员会全体会议、专题会议制度，先后召开3次会议议定重点 工作部署、完善联络机制。实行党委成员挂联制，党委成员分包联系1-3个县（区），搭建"委员会牵头 ——分管领导负责——办公室协调——部门落 ...

县域是城乡融合发展的重要切入点，也是实施乡村全面振兴战略的主战场，更是发展普惠金融的关 键阵地。中国人民银行雅安市分行"固'点'、成'线'、拓'面'"，为富民兴业注入金融动能。截至7月末， 雅安市普惠小微贷款余额同比增长16.27%，高于各项贷款增速5.51个百分点。 固"点"：夯实县域金融服务"四梁八柱" 成立县域金融服务工作委员会，坚持党对金融工作的全面领导，发挥党委"头雁领航"作用，由中国 人民银行雅安市分行党委书记、行长任主任、其他党委班子成员任副主任，推动县域经济金融协同共 进。2025年以来，该行党委班子成员带头深入9个县(区)召开座谈、调研35次，回应政府、企业、群众 金融诉求60余个。 拓"面"：深化"四直达"服务质效 政策"看得懂、用得上"。构建"线上+线下"政策传导链条，实现"数量、种类、平台"三扩容。2025 年以来，依托公众号、二维码、党政网等发布政策解读100余篇。通过"民企首贷通"和"码上振兴"二维 码平台对接429户市场主体实现贷款22.93亿元；通过资金流信用信息平台促成中小微企业贷款户数、金 额均列全省第二位。线下开展文旅、绿色等产业的政银企对接会3次，为10家企业授信约8亿 ...

Group 1 - The Industrial and Commercial Bank of China (ICBC) has taken the lead in addressing "involution-style" competition, marking a significant stance among state-owned banks [1] - The National Financial Regulatory Administration has emphasized the need to prevent excessive credit to high-quality agricultural clients and to correct "involution-style" competition [1][2] - Various financial regulatory bodies and banking associations across multiple regions have called for the banking and insurance sectors to abandon "involution-style" competition and promote stable development [1] Group 2 - Non-normal competition can harm the overall industry ecosystem, especially when supply exceeds demand, leading to excessive competition for high-quality clients [2][3] - Financial institutions are encouraged to shift from homogeneous to differentiated services, focusing on their unique strengths to better serve clients [3] - The need for a self-regulatory mechanism, assessment mechanism, and innovation mechanism is highlighted to support the transition from homogeneous to differentiated services [3] Group 3 - Banks are increasingly integrating non-financial services into their offerings, particularly in community and industrial park settings, to enhance customer loyalty and better understand client needs [4][5] - The core value of non-financial services lies in face-to-face communication, which helps banks accurately capture the real needs of the agricultural sector [5] Group 4 - The concept of "co-opetition" is emerging, where banks can both compete and collaborate to provide differentiated products and services [6] - Proper competition can stimulate banks to offer better financial services, but it is essential to avoid disorderly competition [6] - Optimizing assessment mechanisms is crucial for guiding banks towards a "co-opetition" model, which is vital for improving the financial ecosystem [6]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) has taken a lead in addressing "involution" competition within the banking sector, emphasizing the need for rational and healthy competition to avoid detrimental impacts on the industry ecosystem [1][3] Group 1: Industry Competition Dynamics - ICBC is the first major state-owned bank to explicitly mention "anti-involution" in its mid-year meeting, following earlier statements against "price wars" [1] - The National Financial Regulatory Administration has highlighted the need to prevent excessive credit to high-quality agricultural clients and to correct "involution" competition [1] - Various local financial regulatory bodies and banking associations have called for the banking and insurance sectors to abandon "involution" competition and promote stable development [1][3] Group 2: Differentiation in Financial Services - The banking sector is facing challenges due to oversupply and homogenization of financial products, leading to unhealthy competition [3][4] - Banks are encouraged to leverage their unique strengths to provide differentiated financial services, moving from a focus solely on credit to a more comprehensive service model [4] - ICBC has introduced innovative products tailored to local agricultural needs, such as "Pepper Loan" and "Cherry Loan," to support rural revitalization [4] Group 3: Non-Financial Services Integration - Banks are increasingly focusing on non-financial services to enhance customer loyalty and better understand the needs of the agricultural sector [7][8] - The Construction Bank of Yaan has adopted a "service first, finance later" approach, engaging in community support and financial literacy initiatives to build trust with the agricultural community [7][8] Group 4: Collaborative Competition - There is a growing recognition of the need for banks to transition from pure competition to a "co-opetition" model, where they can collaborate to provide differentiated services [10][11] - Agricultural Bank of Yaan emphasizes the importance of self-regulation and collaboration among banks to avoid destructive competition and enhance service quality [10][11] - Effective task assignment and adaptive assessment mechanisms are crucial for guiding banks towards a cooperative approach in serving rural revitalization [11]

Group 1: Core Perspectives - The article emphasizes the collaborative development of the Beijing-Tianjin-Hebei region over the past 11 years, aiming to become a model for China's modernization and high-quality development [1] - Postal Savings Bank of China (PSBC) Beijing Branch aligns its strategic layout with the overall urban planning of Beijing, focusing on financial support for the capital's construction and regional collaboration [1][2] Group 2: Urban Sub-center Development - PSBC Beijing Branch has relocated its office to the core area of the Urban Sub-center, enhancing its strategic alignment with regional development needs [2] - The establishment of the G20 Young Entrepreneurs Alliance International Salon at PSBC Beijing Branch serves as a platform for international youth entrepreneur exchanges and resource integration [3] - The unveiling of the Softcom Power AI Engineering Research Institute at PSBC Beijing Branch aims to provide AI solutions for various industries, supporting over 100 enterprises in the region within three years [4] Group 3: Rural Revitalization and New Citizen Services - PSBC Beijing Branch promotes rural revitalization by integrating financial services with local agricultural practices, exemplified by the "Cherry Loan" product for local cherry farmers [5] - The bank has launched the "U+ Card" for new citizens, offering comprehensive financial services to support their integration into urban life [6] Group 4: Innovation and Industry Collaboration - The bank focuses on technology-driven financial services, supporting six key sectors including new materials and AI, and providing tailored financial products for different stages of enterprise growth [8] - PSBC Beijing Branch has established a long-term cooperation mechanism with government and industry partners to enhance support for specialized and innovative enterprises [9] Group 5: Financial Ecosystem and Regional Integration - The bank aims to break down regional barriers and facilitate the free flow of capital, technology, and talent across the Beijing-Tianjin-Hebei region [11] - PSBC has implemented a "three-bank linkage" mechanism to enhance project coordination and resource allocation across the region [12] Group 6: Financial Support and Green Initiatives - Over the past three years, PSBC Beijing Branch has supported 78 key projects in the Beijing-Tianjin-Hebei integration process, with loans exceeding 60 billion yuan [13] - The bank actively promotes green finance initiatives, contributing to low-carbon development and earning recognition as a "climate-friendly financial institution" [13] Group 7: Future Directions - Moving forward, PSBC Beijing Branch will continue to deepen its collaboration with government and industry, focusing on innovative financial solutions to support the region's development [14]

Core Viewpoint - The article emphasizes the role of Postal Savings Bank of China (PSBC) in supporting the coordinated development of the Beijing-Tianjin-Hebei region, focusing on financial services that align with urban planning and regional strategies [1][13]. Group 1: Financial Support for Urban Development - PSBC Beijing Branch has strategically relocated to the core area of the urban sub-center to better align with regional development goals and enhance financial services [3][5]. - The establishment of the G20 Young Entrepreneurs Alliance International Salon at PSBC Beijing Branch signifies its commitment to fostering international business exchanges and enhancing Beijing's global image [4]. - The bank has introduced innovative financial products and services to support local industries, such as the "Cherry Loan" for farmers in Xijicun, which has improved financing access and sales for local agricultural products [6][7]. Group 2: Technology and Innovation - PSBC is actively involved in promoting technology-driven projects, such as the establishment of the Softcom AI Research Institute, which aims to enhance the digital economy in the region [5][9]. - The bank focuses on providing tailored financial solutions for technology enterprises, including various loan products designed for different stages of business growth [9][10]. Group 3: Collaborative Ecosystem - PSBC is enhancing collaboration with government and enterprises to create a robust ecosystem that supports innovation and economic development in the region [11][12]. - The bank has established a "three-bank linkage" mechanism with branches in Tianjin and Hebei to facilitate resource sharing and project collaboration across the region [13][14]. Group 4: Green Finance Initiatives - PSBC is committed to green finance, actively developing products that support low-carbon projects and has been recognized as a "climate-friendly financial institution" [15]. - The bank's initiatives in green finance aim to integrate environmental sustainability with financial services, contributing to the broader goals of carbon neutrality [15]. Group 5: Overall Impact on Regional Development - Over the past three years, PSBC has supported 78 key projects in the Beijing-Tianjin-Hebei region, providing over 60 billion yuan in loans, significantly contributing to infrastructure and social welfare improvements [14]. - The bank's efforts are aimed at making the Beijing-Tianjin-Hebei region a model for high-quality development and a pioneer in modern Chinese construction [1][16].