数字金融是建设金融强国的重要底座，也是做好科技金融、绿色金融等"五篇大文章"的关键支撑。作 为"科技领先型银行"，招商银行南京分行（以下简称"南京分行"）积极响应国家战略，以"数智招行"建 设为抓手，通过AI技术深度融合金融业务、"技术+业务"双轮驱动、强化风控与服务升级等举措，在数 字金融领域跑出"加速度"。 夯基+赋能，跑出数智"加速度" 数字金融的发展，离不开坚实的科技底座与清晰的战略布局。南京分行始终紧跟总行"数智招行"建设步 伐，将数字金融视为服务区域经济、助力企业转型的核心抓手，从组织、人才、系统三方面发力夯实转 型根基。 在组织架构上，南京分行早在2023年便前瞻性设立AI创客俱乐部，通过内部沙龙、工具实操培训等形 式，面向全行普及AI大模型知识与应用工具，让前沿技术理念渗透至各业务条线。2024年，进一步升 级组织保障，成立AI创新融合团队，不仅面向全行重点部门开展近20次专项培训，覆盖客户经理、产 品经理、风控人员等关键岗位，还牵头落地30余个AI应用项目，涵盖客户服务、运营管理、风险防控 等领域，形成"总行统筹指导+分行主动创新+员工积极参与"的数智化推进机制。 在行部数字化实践方面，以风 ...

Core Viewpoint - The 2025 China International Service Trade Fair showcased China Merchants Bank's innovative financial services and commitment to integrating technology with finance, emphasizing its "Five Major Articles" strategy and differentiated development [1][8]. Group 1: Exhibition Highlights - China Merchants Bank's exhibition featured a space capsule-style wealth experience hall, integrating cutting-edge technology with financial services, creating an engaging and interactive environment for attendees [2]. - The exhibition included various functional areas such as command windows, weightlessness experience pods, and energy matrix activation walls, allowing visitors to explore the bank's achievements in a fun and immersive way [2][3]. Group 2: Financial Innovations - The bank highlighted its commitment to technology finance, showcasing products like "Science and Technology Loans," which have provided over 47 billion yuan in credit to innovative enterprises, with more than 14 billion yuan disbursed [3]. - China Merchants Bank introduced a "Starry Sky" action plan to support various categories of innovative enterprises, achieving over 80% coverage of "little giant" companies in Beijing [3]. Group 3: Green Finance Initiatives - The bank presented its green finance achievements through a visual product system, including the first rural revitalization-themed green bond and the first commercial bank bond compliant with the "Green Bond Principles" [4]. - The bank's Beijing branch established the first "assembly + carbon neutrality" outlet in the financial industry, promoting green concepts and actions among its staff [4]. Group 4: Inclusive Finance Efforts - The bank demonstrated its supply chain finance models, such as "Zhaolai Easy Loan," aimed at enhancing financial services for small and micro enterprises, with a reported growth rate of over 10% in public inclusive loans [4]. Group 5: Pension Finance Services - China Merchants Bank's personal pension main account system has issued over 86 million electronic social security cards and managed a pension trust scale of 266.5 billion yuan [5][6]. Group 6: Digital Finance Developments - The bank showcased its digital finance achievements, including the "Financial Management Cloud" and "E-Canteen" services, enhancing user experience and operational efficiency [6]. - It is noted as the first bank in the industry to issue online consumer loans using digital currency, reflecting its commitment to smart financial services [6]. Group 7: Future Outlook - Looking ahead, China Merchants Bank aims to anchor its financial work in political and public service, focusing on supporting the real economy and responding to public needs, thereby contributing to high-quality development [8].

Core Viewpoint - The article highlights the achievements and strategic initiatives of China Merchants Bank Nanchang Branch in supporting the economic development of Jiangxi province through various financial services and products. Group 1: Financial Contributions and Growth - Since its establishment in May 1998, the bank has invested over 920 billion yuan in credit funds in Jiangxi and contributed over 7 billion yuan in taxes [1] - As of April 2025, the bank's asset scale exceeded 140 billion yuan, ranking first among local joint-stock banks in terms of deposit and loan scale, serving 4.29 million personal clients and 68,000 corporate clients [1] Group 2: Support for Key Industries - In 2024, the bank provided nearly 13 billion yuan in loans to 12 key industrial chains in Jiangxi, with a year-on-year increase of 18.67% in loan balances for five major industries: non-ferrous metals, electronic information, equipment manufacturing, new energy, and pharmaceuticals [2] Group 3: Financial Services for the Real Economy - The bank has established a specialized working group to implement a series of action plans aimed at integrating financial services with the modernization of the industrial system in Jiangxi [3] - It has developed a comprehensive financial service system for technology enterprises, introducing standardized financing products such as "Science and Innovation Loan" and "Government Procurement Loan," serving over 3,200 technology companies [3] Group 4: Green Finance Initiatives - The bank has set up green finance promotion areas in 44 outlets and issued over 3.2 billion yuan in green loans in 2024, supporting the green transformation of the manufacturing industry [4] - It promotes innovative products like "Green Energy Insurance" to provide financial services for renewable energy companies [4] Group 5: Inclusive Finance Efforts - The bank has launched a new operating model for inclusive finance, enhancing service coverage for small and micro enterprises, with over 25,000 clients benefiting from inclusive loans [4] - In 2024, the average pricing of newly issued inclusive loans decreased by over 52 basis points compared to the previous year [4] Group 6: Pension and Elderly Services - The bank provides pension services to over 40 enterprises and has established a one-stop online service area for personal pensions, serving over 200,000 residents [5] - It enhances the online experience for elderly clients and optimizes offline services using portable smart devices [5] Group 7: Digital Finance Strategy - The bank actively implements a digital finance strategy, serving nearly 13,000 enterprises through the "Salary Welfare" platform and over 140 enterprises through the "E-Catering" platform [6] - It has integrated tax data with the Jiangxi Provincial Taxation Bureau to enhance the efficiency of financial services for the real economy [6]