Core Viewpoint - Lin Jingran, Vice President of Zhejiang Commercial Bank and President of Shanghai Branch, emphasizes the integration of financial services with social responsibility and the development of the real economy, aiming to create a "first-class commercial bank" through innovative and comprehensive financial solutions [3][4]. Group 1: Financial Services and Social Responsibility - "Good finance" is a distinctive label of Zhejiang Commercial Bank, focusing on reshaping financial service models to prioritize social value and support the real economy [4]. - Lin Jingran leads initiatives in technology finance, green finance, inclusive finance, pension finance, and digital finance, aligning with the central government's direction to enhance financial services for the real economy [5][6]. - The Shanghai Branch has established a financial advisory team to serve as "financial family doctors" for enterprises and local governments, enhancing the bank's social image through various public welfare activities [6]. Group 2: International Financial Center Development - The Shanghai Branch is actively contributing to the construction of the Shanghai International Financial Center by enhancing international business and supply chain finance services [7][8]. - Lin Jingran views international business as a key connector between global capital and the Chinese market, focusing on cross-border settlement and offshore financing [7]. - The bank's supply chain finance initiatives support the integration of financial services across the Yangtze River Delta, providing efficient financing solutions for small and micro enterprises [8].

Core Viewpoint - The article emphasizes the importance of developing new productive forces and modern industrial systems in Guangdong, with a focus on integrating financial services into the manufacturing industry to support small and medium-sized enterprises [2][5]. Group 1: Financial Services Innovation - Zhejiang Commercial Bank's Guangzhou branch is innovating financial services by creating scenario-based financial models that integrate deeply into the core of the industrial chain, specifically targeting small and medium-sized enterprises [2][5]. - The bank has developed differentiated financing solutions for key industries in Guangdong, including energy, construction, automotive, telecommunications, and home appliances, to enhance the industrial ecosystem [5][6]. Group 2: Support for Technological Innovation - The bank offers specialized financial products such as "Specialized and Innovative Loans" and "Co-Investment Loans" to support technology enterprises at various stages of development, ensuring comprehensive financial services throughout their lifecycle [6][7]. - By May 2025, the bank had served over 1,800 technology finance enterprises and more than 700 specialized and innovative enterprises, providing substantial financial support for technological innovation in Guangdong [6]. Group 3: Financing for Industrial Parks - The bank has implemented a comprehensive financial service model for industrial parks, addressing the financial needs of enterprises within these parks, with over 257 small and micro parks served and a total loan amount exceeding 29.5 billion [7]. - The introduction of a digital service system has improved access to financing for small and micro enterprises, with nearly 190 million in digital loans disbursed in 2024 [7]. Group 4: Globalization Support - The bank is addressing challenges faced by Guangdong enterprises in their global expansion, such as difficulties in overseas account opening and payment efficiency, by providing innovative cross-border services [8]. - By the end of 2024, the bank's international settlement and foreign exchange transaction volumes exceeded 35.3 billion and 23.3 billion, respectively, supporting the international development of Guangdong enterprises [8].

Core Viewpoint - Zhejiang Merchants Bank Hefei Branch focuses on a people-centered development approach, implementing a "finance for good" service philosophy to address the urgent needs of the public through innovative financial services and community engagement [1] Group 1: Financial Services Optimization - The branch has launched multiple "age-friendly financial services," including dedicated service windows for the elderly, one-on-one service specialists, and home services for those with mobility issues, significantly improving service for elderly clients [2] - Service processes have been optimized with simplified account opening procedures, multilingual service personnel, and a paperless account opening initiative, enhancing the experience for foreign clients [2] - The introduction of standardized and customized "small change bag" products facilitates cash exchange for the public and merchants, reducing wait times and improving cash payment environments [2] Group 2: Community Engagement and Welfare Activities - The branch enriches financial literacy initiatives targeting key demographics such as the elderly, youth, and new citizens through community activities like dance classes and financial education [3] - Annual targeted poverty alleviation efforts are conducted in rural areas, supporting local economic development and educational initiatives through partnerships with schools [3] Group 3: Innovative Financial Products - The branch is developing a brand for science and technology financial services, offering 16 types of financial products tailored to the needs of tech enterprises, including "Talent Support Loan" and "Innovation Incentive Loan" [4] - A successful credit issuance of 3 million yuan was made to Anhui Jiansheng Biotechnology Co., Ltd. through the "Innovation Bank Loan" model, addressing the funding challenges faced by knowledge-intensive enterprises [4] - The bank aims to continue innovating service models and enhancing public welfare to improve the overall sense of gain, happiness, and security for the community [4]