Core Viewpoint - Digital finance is seen as a key driver for the development of a modern financial system in China, facilitating high-quality economic and social development through innovative digital solutions [1]. Group 1: Digital Financial Services - The bank has served 55 medical institutions and 4,972 suppliers, with a cumulative payment settlement scale exceeding 10 billion [2]. - The bank has established a digital service matrix to address pain points in serving the real economy, creating a comprehensive service ecosystem [6]. - The "Cloud Payment" service has processed over 17.37 billion in payments since 2025, serving over 30 million users [7]. Group 2: Innovation and Talent Development - The bank has implemented a three-year plan for talent development, focusing on financial technology talent to support digital operations [3]. - The bank has organized five "Innovation Case Competitions" and one innovation sharing session from 2020 to 2025, collecting 269 excellent cases [3]. - The establishment of a financial technology innovation committee in 2019 and a digital transformation task force in 2023 reflects the bank's commitment to innovation [2]. Group 3: Digital Infrastructure - The bank is enhancing its digital infrastructure by strengthening online content operations and improving mobile banking and quick payment services [4]. - A special supervision mechanism for mobile banking and quick payment indicators has been established, contributing to a significant increase in new registrations [4]. Group 4: Community and Economic Impact - The bank's logistics services have expanded to over 700,000 individual customers, with annual transaction volumes exceeding 100 billion [6]. - The bank has provided fund custody services for real estate transactions, with a cumulative custody amount exceeding 12 billion [8]. - The bank's digital finance projects have led to an average daily deposit of over 20 billion, attracting nearly 8 million retail customers [8]. Group 5: Future Directions - The bank aims to deepen the construction of its digital financial system, enhancing its role in serving the real economy and meeting the needs of the public [9]. - The bank is committed to establishing a new model of digital financial development with unique characteristics, leveraging resources in Jiangsu [9].

Group 1 - The core idea of the articles revolves around the financial services provided by China Everbright Bank to support new citizens in urban areas, particularly focusing on housing loans and employment-related financial products [2][3][4]. - The "New Citizen Exclusive Mortgage Loan" allows borrowers to pay only interest for the first three years, easing the financial burden for new graduates entering the workforce [2]. - The bank has introduced various innovative products, such as the "Guarantee Rental Housing Loan" and "Light Speed Business Loan," aimed at providing diverse housing options and reducing financial pressure for new citizens [2][3]. Group 2 - Everbright Bank emphasizes the importance of convenience in financial services for new citizens, offering online banking solutions for social security, medical insurance, and housing fund queries [3]. - The bank has launched specific services like the "Rural Revitalization Theme Debit Card" and "Craftsman Theme Debit Card" to provide affordable financial services to new citizens, including migrant workers [3][4]. - The bank's initiatives also include wage guarantee services for migrant workers and educational fund supervision to ensure timely payments and secure investments in education [4][5]. Group 3 - Everbright Bank aims to address various pain points faced by new citizens, such as wage delays and risks associated with educational institutions, by providing tailored financial solutions [4][5]. - The bank has developed one-stop financial services for specific groups like truck drivers and delivery personnel, enhancing their work-life balance and financial security [5]. - The bank's commitment to supporting new citizens is reflected in its future plans to offer warmer products, more convenient services, and solid guarantees to enhance their sense of belonging and happiness in urban life [5].