民生银行自扎根燕赵大地27年来，始终坚守"服务大众、情系民生"的企业使命，聚焦"民营企业的银 行、敏捷开放的银行、用心服务的银行"战略定位，坚持与国家战略同频，与区域发展共振，用心用情 服务河北省经济社会发展大局。 截至目前，民生银行石家庄分行营业网点达120家，客户服务触角不断延伸，已累计服务个人客户570万 余户、中小微客户20万余户、公司客户2万余户，真正把便民、惠民、利民的金融服务带到客户身边， 助力河北省高质量发展。 胸怀国之大者，全力服务重大战略取得新进展 京津冀协同发展、雄安新区建设等国家重大战略在河北省相继落地，成为推动区域协调发展、打造新增 长极的核心引擎。民生银行石家庄分行将服务重大战略作为践行"国之大者"的使命担当，为保障国家重 大战略由蓝图变为现实注入源源不断的金融活水。 坚持金融为民，用心书写服务民生改善新篇章 全力支持京津冀协同发展。民生银行总行层面成立京津冀地区业务发展委员会，集总行以及北京、天 津、石家庄三家分行之力，对于涉及京津冀协同发展的重大项目，配置"五位一体"业务团队，实现快速 响应、快速落地。截至11月末，该行累计投放各项贷款270亿元，助力京津冀交通一体化等重大项目 ...

Core Viewpoint - China Minsheng Bank, as the first national joint-stock commercial bank initiated by private enterprises, has consistently focused on supporting the private economy as its core strategy since its establishment 29 years ago. The bank is actively enhancing its services to private enterprises in the Guangdong-Hong Kong-Macao Greater Bay Area, aiming to facilitate high-quality financial development [1]. Group 1: Service Development - The Guangzhou branch of China Minsheng Bank has established a comprehensive service matrix to address the financing challenges faced by small and micro enterprises, significantly improving the convenience of obtaining loans [2]. - The branch has conducted over 90 outreach activities to connect with nearly 80 private enterprises, facilitating financing needs and enhancing service foundations in manufacturing and quality small and micro enterprises [3]. Group 2: Financial Products and Support - The bank has developed a diverse product system targeting small and micro enterprises, including the "Minsheng Hui" series, which offers tailored financial services based on specific scenarios, aiming for precise financial support [4]. - As of November 30, the Guangzhou branch has served over 10,000 small micro customers through its Minsheng Hui services, demonstrating its commitment to providing comprehensive financial solutions [4]. Group 3: Technological Empowerment - The Guangzhou branch emphasizes technology as a key driver for enhancing financial services, integrating new technologies such as the internet, big data, and AI to improve service efficiency and reduce operational costs for clients [5]. - The bank has partnered with various SaaS platforms to provide integrated solutions for the restaurant industry, showcasing its innovative approach to financial service delivery [5]. Group 4: Focus on Key Sectors - The bank has issued over 60 billion yuan in preferential loans this year, benefiting more than 8,000 small micro clients, and has established specialized teams to support cross-border and technological innovation sectors [6]. - As of November, the loan balance in key sectors such as consumption recovery reached 8.878 billion yuan, indicating the bank's proactive role in stimulating market recovery [6]. Group 5: Future Commitment - Looking ahead, the Guangzhou branch of China Minsheng Bank will continue to leverage its private enterprise roots, focusing on customer needs and technological innovation to deepen its practice of inclusive finance, thereby contributing to the high-quality development of the Guangdong-Hong Kong-Macao Greater Bay Area [7].

Core Viewpoint - Consumption is a lasting driver of economic growth and a key vehicle for meeting people's aspirations for a better life. The Minsheng Bank Jinan Branch aims to integrate financial services deeply into the entire consumption chain to inject vitality into the high-quality development of the Shandong consumption market [1] Group 1: Inclusive Finance - The Minsheng Bank Jinan Branch focuses on inclusive finance to support small and micro enterprises, which are crucial for stabilizing employment and promoting consumption. The bank has established a comprehensive financial support system for small and micro enterprises, increasing the number of inclusive loan clients from 11,503 to 17,124, a growth of 49% from 2022 to November 2025 [2] - Inclusive micro-enterprise loans increased from 17.8 billion to 25.7 billion, a rise of 7.9 billion or 44% during the same period [2] Group 2: Innovative Financial Products - The bank's "Minsheng Hui" credit loan product allows for quick access to credit, with approvals in 3 minutes and amounts up to 10 million, addressing the urgent funding needs of small and micro enterprises [3] - The bank has issued 8.4 billion in no-repayment loans to small and micro enterprises since the third quarter, alleviating financial burdens and enabling more investment in operations and consumption supply [3] Group 3: Scene Empowerment - The bank integrates financial services into various life scenarios, such as elderly care and supply chains, to activate consumption potential. It has developed a comprehensive financial service system for the elderly, enhancing their consumption experience [4] - The bank's "Honeypot Plan" and "Minsheng Quick Loan" products utilize big data to streamline loan processes, significantly reducing the time required for financing [5] Group 4: Digital Transformation - The digital transformation at Minsheng Bank Jinan Branch enhances service efficiency through online, standardized, and intelligent processes. The "Minsheng Hui" credit loan can be fully processed online, allowing small and micro enterprises to access funds without leaving their premises [7] - The bank's digital tools have improved response times and enabled precise targeting of different consumer groups, supporting sustained growth in the consumption market [7] Group 5: Future Outlook - The Minsheng Bank Jinan Branch is committed to deepening the integration of finance and consumption, aiming to contribute to the high-quality development of the Shandong consumption market with better products, more efficient services, and a warmer commitment [8]

Core Insights - The article highlights the effective support provided by Minsheng Bank's Ningbo branch to small and micro enterprises through innovative financial services, which are crucial for their growth and development [1][5]. Group 1: Product and Service Innovation - Minsheng Bank has developed tailored financial products like "White Goose Loan" to address the specific needs of local industries, such as the white goose breeding sector, facilitating easier access to credit [2]. - The bank has introduced various online products and credit plans, including "National Subsidy Loan + Stock Loan," which offers up to 10 million yuan in credit for businesses participating in national subsidy programs [2]. Group 2: Optimizing Mechanisms for Efficiency - The establishment of a dedicated Inclusive Finance Management Committee at Minsheng Bank aims to enhance the efficiency of financial services for small and micro enterprises [3]. - The bank has initiated a "Thousand Enterprises, Ten Thousand Households" outreach program to better understand and meet the actual needs of small businesses, promoting awareness of inclusive financial products [3]. Group 3: Comprehensive Financial Support - Minsheng Bank provides a range of financial products and services, including "Talent Loans" for startups and "Intellectual Property Loans" to leverage patents as collateral, supporting the growth of small enterprises [4]. - The bank also offers digital tools and platforms to assist small businesses in their digital transformation, alongside providing advisory services in finance and taxation [4].

Core Viewpoint - Minsheng Bank's Beijing branch is focusing on the "Three Cities and One District" plan and the new pattern of high-tech industries, aiming to create a "5-kilometer service radius" for innovative financial services, covering the entire lifecycle of technology enterprises [1][2] Group 1: Financial Services and Products - As of June 30, 2025, the loan balance for technology enterprises at Minsheng Bank's Beijing branch is expected to reach 56 billion yuan, with specialized and innovative enterprises accounting for 6.6 billion yuan [1] - The bank has served 13,300 technology enterprises, including over 4,000 specialized and innovative clients, and has supported nearly 200 companies listed on the Beijing Stock Exchange, Sci-Tech Innovation Board, and Growth Enterprise Market [1] - The bank has established a comprehensive product system covering the entire lifecycle of technology enterprises, offering tailored financial products for startups, growth-stage companies, and mature enterprises [2] Group 2: Specialized Financial Centers - The bank has set up six "Innovation Financial Centers" in key areas, enabling specialized operations for technology financial services across over 30 branches [2] - The service coverage includes major industry clusters such as new-generation information technology, technology services, and pharmaceutical health, as well as seven trillion-level industry clusters like integrated circuits and artificial intelligence [2] - The establishment of specialized institutions has allowed the bank to create a comprehensive "5-kilometer service radius" for technology innovation, ensuring full coverage of high-tech areas [2]

Core Insights - The article highlights the critical role of Minsheng Bank in supporting small and micro enterprises, particularly in the competitive restaurant industry, through timely credit support that alleviates financial pressure and facilitates expansion and training [1][2]. Group 1: Support for Small and Micro Enterprises - Minsheng Bank positions itself as a "bank for private enterprises," focusing on inclusive finance as a core development direction, recognizing small and micro enterprises as important partners [1][2]. - The bank has established 100 branches in Beijing, deeply integrating into local communities and parks to create an effective network for supporting small and micro enterprises [1][2]. Group 2: Challenges in Inclusive Finance - The banking industry faces challenges in serving small and micro enterprises due to their weak risk resistance, lack of transparency, and insufficient creditworthiness [2][3]. - The dual challenge of "difficult loans for enterprises and difficult lending for banks" needs to be addressed by identifying and supporting quality small and micro enterprises [2][3]. Group 3: Innovative Financial Solutions - Minsheng Bank has launched various innovative products, such as the "Yichuang E-loan," which offers up to 10 million yuan with same-day approval, enhancing the financing experience for small and micro enterprises [5][6]. - The bank has also implemented a "quick interest subsidy channel" to facilitate the implementation of government subsidy policies, thereby improving access to financing for small enterprises [5][6]. Group 4: Comprehensive Service Approach - The bank has formed dedicated teams to provide customized financial solutions and has organized over 100 non-financial activities to enhance the service ecosystem for small and micro enterprises [6][7]. - By integrating financial and non-financial services, the bank aims to improve customer loyalty and overall profitability, contributing to the sustainable development of inclusive finance [6][7].

Core Insights - The article emphasizes the importance of technology finance as a crucial support for the national innovation system and achieving high-level technological self-reliance [1] - It highlights the shift in banks' financial services for technology enterprises from relying solely on financial statements to providing specialized and comprehensive service solutions [1][2] - The establishment of specialized institutions and a "5-kilometer service circle" by Minsheng Bank's Beijing branch aims to cover key technology innovation areas and support the entire lifecycle of technology enterprises [2][3] Group 1: Financial Services for Technology Enterprises - Minsheng Bank's Beijing branch has developed a product system that covers the entire lifecycle of technology enterprises, offering tailored financial products for startups, growth-stage, and mature companies [4] - The bank has reported a loan balance of 56 billion yuan for technology enterprises and 6.6 billion yuan for specialized and innovative enterprises, serving over 13,300 technology enterprises [1][4] Group 2: Specialized Institutions and Service Framework - The bank has established a "3+6+16" service framework, including 3 specialized branches, 6 specialized institutions, and 16 feature branches to enhance the professional operation of technology finance [2] - The establishment of specialized institutions helps banks deepen industry understanding and accurately identify enterprise value, addressing the challenges of traditional credit logic [2] Group 3: Support for Overcoming Challenges - The article discusses the "death valley" that technology enterprises often face during the technology transformation phase, highlighting the need for financial institutions to provide deep support and patience [5][6] - Minsheng Bank's "Kunpeng Plan" aims to select 100 high-quality enterprises for a three-year empowerment program to cultivate internationally competitive "Kunpeng" enterprises [6] Group 4: Ecosystem Development and Collaboration - The bank has implemented a "3+3+N" development strategy focusing on supply chains, industry chains, and channel chains to meet comprehensive needs for investment and financing [7] - Minsheng Bank is actively building a technology finance ecosystem by collaborating with various institutions and government departments to enhance brand influence and service capabilities [7]

Core Viewpoint - China Minsheng Bank's Changsha branch has undergone a significant renovation, enhancing its service capabilities and reaffirming its commitment to serving the local economy and community [1][5]. Group 1: Renovation and Service Enhancement - The newly renovated branch features a "technology + warmth" service space, equipped with modern devices such as cash intelligent cabinets and a VIP area, creating a comfortable and private environment for customers [3]. - The branch has implemented accessibility features and developed a simplified mobile banking app tailored for elderly users, ensuring that financial services are inclusive and user-friendly [3][6]. Group 2: Support for Local Economy - As the first financial institution in Hunan Financial Center, the Changsha branch focuses on customer-centric services, promoting inclusive finance, and embracing digital transformation to support the local economy [5]. - The bank has introduced a diverse range of financial products for small and micro enterprises, including "Cloud Quick Loan" and "Tax Network Happy Loan," addressing the unique financing needs of these businesses [5][6]. - In response to national policies aimed at boosting consumption, the branch has optimized personal consumption loan processes and tailored loan schemes to various consumer scenarios, contributing to market vitality [6].

Core Insights - Technology finance is a crucial support for the national innovation system and achieving high-level technological self-reliance, with tech enterprises being key players in driving industrial upgrades and implementing the strategy of a technology-powered nation [1] - The banking sector is increasingly providing diversified financial services to tech enterprises, moving from reliance on financial statements for financing to offering specialized and comprehensive service solutions [1][2] - Minsheng Bank's Beijing branch has established a "5-kilometer service radius" around key tech innovation areas, creating a product system and ecosystem that supports tech enterprises throughout their lifecycle [1][4] Group 1: Financial Services for Tech Enterprises - Minsheng Bank has set up specialized institutions to address the financing challenges faced by tech enterprises, which often struggle with asset-light models, high investment needs, and fluctuating revenues [2] - The bank has created a "3+6+16" service structure, consisting of 3 specialized branches, 6 specialized institutions, and 16 distinctive branches, to systematically advance services for tech enterprises [2] - The establishment of specialized institutions helps banks deepen industry understanding and accurately identify enterprise value, overcoming the reluctance to lend due to lack of comprehension [2] Group 2: Comprehensive Product Offerings - Minsheng Bank has developed a product portfolio that covers the entire lifecycle of tech enterprises, offering tailored financial products for startups, growth-stage companies, and mature enterprises [4] - For startups, the bank provides services such as account opening, fund management, and various online financing products; for growth-stage companies, it offers equity financing and specialized services; and for mature enterprises, it provides comprehensive solutions including IPO guidance and cross-border finance [4] - The bank emphasizes a one-stop service model that integrates public and private business, offering a range of customized financial products [4] Group 3: Support for Overcoming Challenges - Tech enterprises often face significant risks during their transition from startup to maturity, particularly in the technology conversion phase, which is referred to as the "valley of death" [5] - Minsheng Bank has launched the "Kunpeng Plan" to support high-potential tech enterprises, aiming to cultivate 100 quality companies over three years [6] - The bank has successfully provided deep support to several representative companies in the commercial aerospace sector, adapting its service strategies to meet the unique challenges of this high-tech field [6] Group 4: Ecosystem Development - The development of tech enterprises relies on collaboration within the industrial chain, prompting Minsheng Bank to implement a "3+3+N" development strategy focusing on supply chains, industrial chains, and channel chains [7] - The bank has established partnerships with various regulatory and financial institutions to enhance information sharing and service collaboration [7] - Minsheng Bank aims to create a mature and efficient technology finance service system, continuing to work with tech enterprises to transform "technological value" into "market value" [7]

Core Insights - Minsheng Bank's Beijing Huairou Branch officially opened on October 16, marking the establishment of the bank's 100th standard branch in the capital, enhancing its service capabilities for the capital's economic development [1][2] - The bank is expanding its branch network despite the general trend of contraction in physical bank locations, focusing on transforming branches from transaction-oriented to service-oriented [1][2] - The establishment of the Huairou Branch fills a gap in the bank's network in the area and aligns with the strategic development needs of Beijing [2] Network Expansion - The opening of the 100th branch in Huairou is a strategic move for Minsheng Bank to integrate deeper into the capital's development framework [2] - The bank has signed strategic cooperation agreements with multiple districts, including Miyun and Tongzhou, to enhance government-bank collaboration and meet the capital's development demands [2] - The bank's branch layout is guided by Beijing's "14th Five-Year Plan" and 2035 vision, focusing on regional economic trends for network planning [2] Service Model Transformation - Minsheng Bank is upgrading both the soft and hard infrastructure of its branches, aiming to transform them into "ecological integration centers," "customer experience centers," and "complex product marketing centers" [3] - The bank is focusing on integrating channel advantages, technological capabilities, and social credibility to expand its "bank+" diversified business scenarios [3] Community Banking - The bank has pioneered the "community bank" model, focusing on the needs of key demographics such as the elderly and children [4] - It has implemented measures like setting up care stations and adapting branches for elderly accessibility, addressing the digital divide faced by older customers [4][5] - The bank collaborates with local communities to enhance financial literacy and safety, establishing a dual mechanism for education and fraud prevention [5] Support for Small and Micro Enterprises - Minsheng Bank has established 26 small and micro enterprise financial centers to provide integrated financial and non-financial services [6] - The bank has restructured its approval teams to enhance efficiency and risk management for small and micro businesses [6] - It actively engages with government departments to facilitate financing for small enterprises and supports local economic activities [6] Technology and Innovation Focus - The bank has developed a "3+6+16" organizational structure for technology finance, with specialized branches and centers to serve key industrial clusters [7] - This network covers major industries such as information technology and healthcare, creating a 5-kilometer service radius [7] - The bank offers a comprehensive financial product system tailored to the lifecycle of technology enterprises, supporting various stages from startup to maturity [8] Future Outlook - Minsheng Bank plans to continue expanding its network in alignment with major strategic initiatives, focusing on green finance and technology finance to support regional ecological and industrial upgrades [8]