潮涌丝路，风起天山。列车轰鸣响彻亚欧黄金通道，绿色电力送至千家万户，田畴沃野孕育丰富物 产……新疆正加快构建现代化产业体系，高水平推进对外开放，紧贴民生推进高质量发展。 在广袤的新疆大地上，邮储银行（601658）积极履行"金融戍边"责任，锚定新疆"五大战略定位"，立足 新疆资源禀赋、区位优势和产业基础，持续加大对重大战略、重点领域的金融投入，用精准高效的金融 产品和服务，为中国式现代化新疆实践贡献金融力量。 赋能基建 畅通黄金通道 作为国家"十四五"规划重点建设项目，乌鲁木齐机场改扩建工程以50万平方米体量、177个停机位成为 新疆最大单体建筑施工建设项目，具备年旅客吞吐量4800万人次、货邮吞吐量55万吨的保障能力，为新 疆打造亚欧黄金通道和向西开放桥头堡再添新动能。在项目建设关键期，邮储银行新疆区分行发挥综合 融资优势，为项目授信40亿元，投放固定资产贷款19亿元，为这一航空枢纽建设注入强劲动能。 近年来，邮储银行新疆区分行充分把握新疆"五口通八国、一路连欧亚"的独特区位优势，以重大工程项 目为依托，持续推进金融服务与交通行业深度融合，助力交通强国建设。该行加强与当地交通运输主管 部门沟通，及时掌握拟开 ...

Core Insights - Postal Savings Bank of China (PSBC) has demonstrated resilience and steady growth in its financial performance, particularly in agricultural loans, which reached 2.44 trillion yuan by mid-2025, accounting for over 25% of total customer loans [1][3][2] - The bank's total assets surpassed 18 trillion yuan, with a year-on-year growth of 6.47%, indicating a stable business scale [2] - PSBC's focus on rural revitalization and agricultural finance has positioned it as a leader in providing financial services to rural areas, enhancing its competitive edge in the banking sector [4][5] Financial Performance - As of June 2025, PSBC's total assets reached 18.19 trillion yuan, with customer loans totaling 9.54 trillion yuan, reflecting a growth of 6.99% from the previous year [2][3] - The bank's net profit for the first half of 2025 was 494.15 billion yuan, a year-on-year increase of 1.08%, showcasing its stable profitability [2] - Non-interest income has seen significant growth, with middle business income increasing by 11.59% and other non-interest income rising by 25.16% [2] Agricultural Loan Growth - PSBC's agricultural loan balance grew by 21.28% year-on-year, reaching 2.24 trillion yuan, highlighting the bank's commitment to supporting the agricultural sector [9] - The bank's strategy includes optimizing small loan products for staple grain planting and enhancing financial support for rural infrastructure projects [9][6] Rural Revitalization Initiatives - PSBC has established a comprehensive financial service model that integrates payment, credit, and wealth management tailored to rural needs [7] - The bank's "Industry Smart Payment" solution has been implemented across over 160 cities, providing efficient financial services to various agricultural sectors [7] - The bank's collaboration with local agricultural enterprises, such as the "Jiyou Shen Loan" series for ginseng, exemplifies its targeted approach to supporting local industries [8] Digital Transformation - PSBC is leveraging digital technology to enhance its financial services, including the development of a "Rural Financial Service Portrait" data product to better understand and meet customer needs [10] - The bank is actively pursuing partnerships to integrate digital solutions into agricultural financing, aiming to improve transaction efficiency and reduce costs [11] - The ongoing digital transformation efforts are expected to bolster the bank's service capabilities and support its strategic goals in rural finance [12]

Core Viewpoint - The article emphasizes the transformative role of Postal Savings Bank in supporting rural revitalization and enhancing financial services, showcasing its unique competitive advantages in the banking industry through targeted agricultural financing and digital transformation initiatives [2][3][5]. Financial Performance - As of June 2025, Postal Savings Bank's total assets reached 18.19 trillion yuan, a 6.47% increase from the previous year, with customer loans totaling 9.54 trillion yuan, up 6.99% [3][4]. - The bank's net profit for the first half of 2025 was 494.15 billion yuan, reflecting a 1.08% year-on-year growth, while operating income increased by 1.50% to 1,794.46 billion yuan [3][4]. Agricultural Financing - The bank's agricultural loan balance stood at 2.44 trillion yuan, accounting for over 25% of total customer loans, with a 21.28% increase in loans for key grain sectors compared to the previous year [4][13]. - Postal Savings Bank has established a comprehensive service network covering approximately 99% of counties in China, focusing on "three rural" services and enhancing its competitive edge through deep market penetration [7][8]. Digital Transformation - The bank is leveraging digital technology to improve service efficiency and reduce costs, integrating various flows (commercial, logistics, financial, and information) to address challenges in rural financing [8][14]. - Initiatives like the "Industry Smart Payment" solution have been developed to provide tailored financial services to specific agricultural sectors, enhancing the bank's ability to meet diverse customer needs [10][11]. Rural Revitalization Strategy - Postal Savings Bank is committed to supporting rural revitalization through targeted financial products and services, focusing on key areas such as food security, infrastructure development, and enhancing the livelihoods of rural residents [12][13]. - The bank's approach includes innovative financing models and collaboration with local industries to promote sustainable agricultural practices and economic growth in rural areas [9][12]. Future Outlook - The bank aims to continue its digital transformation and enhance its service offerings, ensuring that it remains a key player in the financial sector while contributing to the broader goals of rural revitalization and economic development [16].

Core Insights - Postal Savings Bank is leveraging its unique advantages in rural areas to innovate the "Industry Smart Payment" tool, enhancing financial services for agriculture and related sectors [2] - The "Industry Smart Payment" tool addresses traditional transaction inefficiencies, improving fund circulation and customer experience through features like payment order management and batch payments [2] - In three months since the launch of the closed settlement market, Postal Savings Bank has reached over 160 cities, serving more than 20,000 clients with a total transaction amount exceeding 4.3 billion [2] Group 1 - The bank's strategy includes a tailored service approach, "one circle, one policy," to meet the specific needs of different regions and industries [2] - The successful implementation of the closed settlement market in Gansu province demonstrates the bank's commitment to enhancing local agricultural financial services [3] - The bank aims to continue supporting the "three rural issues," urban residents, and small and medium enterprises by developing industry-specific payment services [4]