转自：新华财经 作为城市文明的一线窗口，浦发银行海口滨海大道支行贯彻落实《创建海南文明岛五年行动》，用心用情打造金融服务新范式。聚焦适老改造，厅堂"敬老 爱心窗口""银发服务专区"等功能齐全，老花镜、爱心座椅、无障碍通道细节尽显关怀。聚焦便民服务，"暖心驿站"为环卫工人、快递小哥等户外工作者提 供饮水机、医药箱等便利服务，筑起温馨港湾。聚焦银发经济，设立"浦颐金生"养老金融工作室，以"规划+产品+服务"模式精准对接市民多元需求。聚焦普 惠宣教，联合社区构建"邻里家园"工程，将反诈防骗、理性理财知识送入千家万户。 第七届全国文明单位名单于近日揭晓，浦发银行海口滨海大道支行成功入选。多年来，浦发银行海口滨海大道支行坚持党建引领，积极培育和弘扬社会主义 核心价值观，推动业务发展与精神文明建设同频共振、交相辉映，为奋力谱写中国式现代化海南篇章凝聚起强大的精神力量。 图为浦发银行海口滨海大道支行 以磐石之志，筑牢文明根基 多年来，浦发银行海口滨海大道支行坚持精神文明建设与经营发展工作同规划、同部署、同落实。常抓常新，厚植"党建+文明创建"。创建"浦惠邻里"党建 品牌，秉持"以邻为伴、与邻为善、普惠邻里"的理念，搭建银行 ...

Core Viewpoint - Shanghai Pudong Development Bank (SPDB) Shanghai Branch has achieved significant milestones over its 32 years, focusing on serving the local economy and enhancing consumer experiences through various financial services and initiatives [1][11]. Group 1: Service to Livelihood and Activation of Domestic Demand - SPDB Shanghai Branch actively participates in government consumption voucher programs, facilitating over 150,000 redemptions worth more than 300 million yuan, thereby stimulating local consumption [2]. - The bank has engaged in promotional activities linked to major city events, covering over 2,000 merchant stores and providing 114,000 discount opportunities to enhance consumer spending [2]. Group 2: Credit Empowerment and Consumer Vitality - The "Pudong Flash Loan" program has issued a total credit of 17 billion yuan in Shanghai, serving nearly 90,000 customers, with a loan balance of 7.7 billion yuan [3]. - The bank has focused on new residents, providing 600 million yuan in loans to nearly 2,000 individuals, addressing their housing and consumption needs [3]. Group 3: Innovative Branches and Community Engagement - SPDB Shanghai Branch has established unique service points, including "Citywalk" activities and pet-friendly branches, to integrate financial services with local culture and community events [4]. - The bank has transformed its branches into community hubs, offering services that cater to various lifestyle needs, thus enhancing customer engagement [4]. Group 4: Wealth Management and Financial Services - The bank's wealth management services have seen steady growth, with personal financial assets approaching one trillion yuan and private banking clients exceeding 15,000 [5]. - SPDB has launched innovative financial products, including commercial pension insurance, and has been recognized for its excellence in pension financial services [5]. Group 5: Airport Services and Internationalization - Leveraging its airport branches, SPDB Shanghai Branch provides comprehensive services, including foreign currency exchange and payment solutions, enhancing the experience for international travelers [7]. - The establishment of a 30-member youth team at the airport aims to improve payment services for foreign visitors, showcasing Shanghai's financial service capabilities [7]. Group 6: Elderly Financial Services and Social Responsibility - The bank has developed a "12345" elderly service system, offering tailored financial solutions and community activities to support the aging population [9]. - SPDB actively participates in events like the Shanghai Elderly Expo to promote its financial services aimed at enhancing the quality of life for senior citizens [9].

Core Viewpoint - The Shanghai Pudong Development Bank (SPDB) Guangzhou Branch is actively supporting the construction of Guangzhou as an international consumption center by transforming its financial services to enhance consumer spending and meet diverse customer needs [2][10]. Group 1: Wealth Management and Consumer Support - SPDB Guangzhou Branch is building a comprehensive wealth management service system that caters to various customer groups and scenarios, providing essential support for consumption growth [4]. - In response to declining deposit rates, the bank focuses on safeguarding customers' financial interests by innovating wealth management products and launching specialized services for the elderly [5]. Group 2: Elderly Financial Services - The bank has established a unique elderly financial service system featuring specialized branches and exclusive benefits, enhancing service quality for senior customers [5][6]. - SPDB Guangzhou Branch has received the "Elderly Financial Service Home+" certification from the Guangzhou Financial Bureau, promoting personal pension accounts and products [5]. Group 3: Consumer Loan Innovations - SPDB is innovating its consumer loan products to stimulate spending, including increasing credit limits and extending loan terms [7]. - The "Pu Flash Loan" product has expanded its eligibility and offers competitive pricing to reduce financing costs for customers [7]. Group 4: Payment Services and Promotions - The bank collaborates with local merchants and platforms to create a localized payment benefits system, enhancing customer engagement through various promotional activities [8][9]. - SPDB Guangzhou Branch has implemented a series of consumer incentives, including discounts for elderly customers and exclusive offers for new residents in Guangdong [6][9]. Group 5: Future Directions - The bank plans to continue its financial innovations and initiatives aimed at boosting consumption and improving the quality of life for residents, contributing to the high-quality development of Guangdong's economy [10].

Group 1 - The 27th Shanghai International Film Festival features over 430 films from more than 70 countries, highlighting the growing importance of the film industry in Shanghai [1] - Banks are increasingly supporting the film industry not only at the consumer level but also throughout the entire industry chain, indicating a shift in financial strategies [1][3] - Shanghai Pudong Development Bank is the exclusive partner for the festival, launching the "Light and Shadow Shopping Festival" with five key products to stimulate film consumption [2] Group 2 - The film industry faces significant financing challenges, with banks' traditional credit risk assessment systems struggling to adapt to the high-risk nature of film projects [3][4] - Many film companies have low registered capital and net asset scales, making it difficult to meet banks' credit requirements, compounded by a lack of fixed asset collateral [4] - The reliance on single projects and box office revenue by film companies increases their vulnerability to financial risks, necessitating better risk management practices [4] Group 3 - To address financing difficulties, a three-pronged approach is suggested: innovation in mechanisms, adaptation of financial tools, and risk sharing [5] - Encouraging banks to establish dedicated credit departments for the cultural industry and equipping them with professionals knowledgeable in film projects can enhance understanding and support [5] - Developing standardized financial practices and a credit evaluation system for the film industry can improve banks' risk assessment capabilities and foster a more supportive financing environment [5][6]

曹开阳 普惠金融：满足多样化融资需求 让金融"活水"流到最需要的地方，一直是浦发银行长沙分行孜孜以求的目标。长期以来，该行致力做好 普惠金融服务，截至3月末，该行普惠两增贷款余额达60.82亿元，较年初净增4.43亿元，累计服务客户 5635户，发放贷款16.74亿元。 截至3月末，累计服务企业客户超6.5万户，个人客户513.2万户，金融机构客户超200家，互联共建单位 56家，累计发放信贷资金9346亿元，纳税金额超50亿元。这张亮眼的成绩单，既是浦发银行长沙分行入 湘21年来业绩飞速增长的真实写照，又是其为湖南经济建设升温添暖的生动注脚。 21年来，浦发银行长沙分行始终秉持"以客户为中心"的服务理念，紧扣湖南省经济发展脉搏，在普惠金 融、乡村振兴、促消费惠民生、消费者保护、企业社会责任等诸多方面做出的努力均可圈可点。 乡村振兴：惠农利民，直达实体 农村是国家的基石，农业是国家的基业。近年来，乡村振兴这项工作被提升到前所未有的高度，而乡村 振兴必先产业振兴。 据此，浦发银行长沙分行扎根县域，辖内5家村镇银行大力支持当地粮食产业、水产养殖业发展，为有 效满足乡村客户日益多元化的金融需求，创新开发了"粮食贷" ...

"欢迎大家参与我们商家的品牌活动，今天参与浦发银行的促消费活动，我们力度非常大……"，为积极响应"扩大内需，促进消费"的号召，南昌分 行以关怀普惠民生、拉动小额高频消费、助力旅游消费型企业发展为切入点，该行员工化身"带货主播"，围绕美食，加油，观影，购物等日常消费 开展各类线上线下的促消费推广活动。 金融力量助力点燃居民消费热情 该行创新推出"66商圈活动"，在重点节假日联合周边知名商场、品牌门店开展满减活动，提升对客户的吸引力。为提升客户体验，该行还组织青年 员工利用网络平台，开展特色探店系列宣传活动，银行的员工化身"产品体验官"，深入各个合作商户，介绍与浦发银行的优惠活动，增加活动曝光 度。结合靠"浦"567，全力打造观影、加油、美食全生态活动体系。在观影方面，分行与南昌多家知名影院达成合作，推出"最低6.6元观影"活动， 激发客户"薅羊毛"消费热情。 陶溪川景区成为游客打卡消费热点 浦发银行南昌分行积极通过多维度的融资方式支持江西旅游企业做大做强，该行旅游类相关企业授信余额超15亿元，近年来协助江西省旅游类企业 累计发行债务融资工具21亿元，承销份额超11亿元。全行以金融活水支持江西旅游企业做大做强，以 ...

4月29日，浦发银行（600000）披露2025年一季报。今年以来，浦发银行以"数智化"战略为驱动，围绕 金融"五篇大文章"与核心赛道精准发力，持续发挥区位优势，服务实体经济成效显著。 2025年一季度，浦发银行主要经营指标延续向好态势，营收净利实现双增，资产负债结构不断优化，贷 款净增量创近年来单季新高，特色产品经营提质增效，重点非息收入稳健增长，在复杂多变的市场环境 中保持了较好的发展韧性，该行高质量发展基础进一步夯实。 营收净利实现双增，资产质量持续改善 财报显示，截至今年一季度末，浦发银行资产总额为9.55万亿元，其中，本外币贷款总额（含票据贴 现）5.58万亿元，较上年末增长3.49%。负债总额为8.8万亿元，其中，本外币存款总额为5.47万亿元， 比上年末增长6.30%。 报告期内，该行贷款总额（不含票据贴现）较上年末增长超2500亿元，贷款净增量为近年来单季新高； 存款总额较上年末增长超3200亿元，母公司存款付息率较上年下降23bps。 在经营成果方面，今年一季度，浦发银行实现营业收入459.22亿元，同比增长1.31%；实现归属于母公 司股东的净利润175.98亿元，同比增长1.02%。 同 ...

以下文章来源于财经天下WEEKLY ，作者财经天下 财经天下WEEKLY . 《财经天下》周刊官方账号，提供有品质的深度报道，讲述中国企业在时代浪潮中的精彩故事。 作者： 陈大壮 来源： 财经天下WEEKLY （ID： cjtxweekly ） "尊贵的客户，我行为您提供临时资金周转！30万元贷款额度已获批，请及时登录领取，以防过 期。" "银行额度放开啦，最高可借100万元！" 近日，消费者又开始频繁接到银行推销消费贷的短信和电话。为了让大家贷款，银行"让利"幅度 越来越大，利率越来越低。 01 消费贷利率又变低了 消费贷利率的变化，从招商银行身上体现得淋漓尽致。 2023年10月，该行给客户发送的短信里写道，"3.4%闪电贷利率券已发放"，同样是闪电贷利率 券，2024年3月变为3.1%，同年11月变为2.88%。2025年1月为2.78%，3月又降到2.68%。 中国企业资本联盟副理事长、中国区首席经济学家柏文喜观察到，银行在降利率的同时，营销方 式花样也变多了。除了利率优惠券与限时活动外，最普遍的还有定向优惠与客户筛选，这是指银 行对特定客户群体提供优惠利率， 如公务员、教师、企事业单位员工等优质客户 ...