实效彰显价值，服务民生与金融担当双赢。今年以来，相关平台运行平稳，为新生入学缴费提供了重要 支持，截至8月末，相关平台已累计处理缴费交易28606笔，涉及金额2539.75万元，服务覆盖全市超万 名学生家庭。"银校通"平台的推广、普及，不仅解决了教育缴费长期存在的"效率低、管理难"问题，更 通过金融科技赋能，推动教育领域财务管理向数字化、智能化转型，成为该行服务民生、支持教育事业 高质量发展的又一生动实践。 下一步，该行将持续深化"金融+教育"场景融合，探索教育领域建设项目监管、校园一卡通等延伸服 务，争取以更优质的金融供给为地方教育事业提质增效注入更强动能。（陈艺文） 编辑：穆皓 精准把脉需求，强化服务教育使命担当。教育是民生之基，缴费管理是教育机构日常运营的关键环节。 近年来，该行立足地方教育发展实际，主动靠前服务，通过实地走访、座谈调研等方式，深度对接教育 主管部门及全市多家教育机构，精准捕捉市场普遍存在的"收费渠道分散、对账效率低、资金归集压力 大"等痛点、难点问题。通过成立专项服务小组，围绕"降本增效、便民利民"目标，制定"一校一策"服 务方案，明确以"银校通"产品为核心产品，全力做好日常金融服务。 ...

Core Insights - The core viewpoint of the news is the financial performance and operational strategies of Zijin Bank for the year 2024 and the first quarter of 2025, highlighting both growth and challenges in various financial metrics. Financial Performance Summary - As of the end of 2024, Zijin Bank reported total assets of 269.944 billion yuan, an increase of 9.00% year-on-year [2] - The total deposit balance reached 209.965 billion yuan, up 6.70% [2] - The total loan balance was 188.852 billion yuan, reflecting a growth of 6.56% [2] - The net profit for the year was 1.624 billion yuan, a slight increase of 0.30% [2] - The non-performing loan (NPL) ratio stood at 1.24%, with non-performing loans amounting to 2.348 billion yuan, a decrease of 14.32% compared to the end of 2023 [2] Q1 2025 Performance - In Q1 2025, Zijin Bank achieved revenue of 1.141 billion yuan, a year-on-year decline of 4.82% [2] - The net profit attributable to shareholders was 422 million yuan, an increase of 4.04% year-on-year [2] - The NPL ratio remained stable at 1.24% compared to the end of 2024, with a provision coverage ratio of 202.52% [2] Loan Portfolio Analysis - The average balance of corporate loans was 1,220.207 billion yuan, a year-on-year increase of approximately 7.92% [3] - Retail loans averaged 417.597 billion yuan, with a slight increase of about 0.70% [3] - The average balance of discounted bills grew by approximately 11.27% to 215.212 billion yuan, although interest income from this segment decreased by about 14.51% [3] - Overall, the average balance of loans and advances totaled 1,853.004 billion yuan, up about 6.57%, but interest income decreased by approximately 4.07% [3] Deposit Structure - Total liabilities amounted to 250.008 billion yuan, an increase of 9.08% [5] - The bank's total deposits were 209.965 billion yuan, with a notable increase in time deposits by approximately 10.77% [5] - Demand deposits decreased by about 11.73%, with corporate demand deposits down 15.74% [5] - Personal time deposits increased by approximately 16.80% [5] Income Breakdown - Net interest income for 2024 was 3.674 billion yuan, a decrease of about 7.23% [7] - Net fee and commission income rose significantly by approximately 55.65% to 179 million yuan [7] - Other net income increased by about 76.9% to 611 million yuan [7] - Total operating income was 4.463 billion yuan, a slight increase of 0.98% [7] Investment Strategy - The bank's investment in local government bonds decreased by approximately 19.44% to 87.193 billion yuan [7] - Investment in financial bonds surged by about 1488.4% to 22.317 billion yuan [7] - The overall debt investment structure has shifted, with a reduction in local and corporate bonds but an increase in financial bonds and interbank certificates [7] Innovation and Services - Zijin Bank has optimized its "Yinqi e+" system to provide comprehensive financial services to enterprises [8] - The bank has signed up 17,218 corporate clients for the "Yinqi e+" service, facilitating 1.3853 million transactions [8] - The bank continues to enhance its "Yin Medical" and "Yin School" services, with significant engagement in the healthcare and education sectors [8]