Core Viewpoint - Shenzhen is actively promoting the construction of a world-class automotive city, focusing on new energy vehicles and modern industrial systems, supported by financial services from Postal Savings Bank of China [3][4]. Group 1: Economic Development - Shenzhen is transforming from a small border town to an international innovation city over 45 years, with financial empowerment being a crucial support [4]. - The Postal Savings Bank of China has established a comprehensive financial service system to support Shenzhen's "20+8" industrial cluster planning [4][5]. Group 2: Financial Support and Innovation - Since 2022, the Postal Savings Bank has supported major projects in the Deep-Shan Cooperation Zone, including a marine industry research center with a loan of 760 million yuan and a storage industry park with a loan of 205 million yuan [5]. - The bank has provided over 1 trillion yuan in funding to major projects in the Guangdong-Hong Kong-Macao Greater Bay Area, covering key projects like the Shenzhen Bay Biological Industry Park [5]. Group 3: Digital and Green Finance - The bank has successfully launched a cross-border remittance service using central bank digital currency, enhancing efficiency in logistics payments [6]. - As of mid-2025, the bank's green loan balance reached 25.15 billion yuan, growing by 4.8% since the beginning of the year, indicating a strong commitment to sustainable finance [7]. Group 4: Consumer Services and Support - The bank has initiated a consumer re-loan of 150 million yuan to support a leading enterprise in the cultural and entertainment sector, aligning with national policies to boost consumption [8]. - The bank has increased housing loan support, ranking second in net housing loan growth in the system for the first half of 2025 [9].

Core Viewpoint - The Chinese government is increasing policy support for pension finance, aiming to enhance the modern pension financial service system in Shenzhen, with a focus on the silver economy's growth potential [1] Group 1: Policy and Market Trends - The People's Bank of China and local authorities have issued 17 measures to promote pension finance, anticipating that the silver economy's contribution to GDP will rise from 6% to 9% by 2035 [1] - Banks are innovating financial products and optimizing service processes to support sustainable pension services [1] Group 2: Bank Initiatives and Performance - Agricultural Bank of China reported a pension management scale of 316.69 billion yuan, a 24.6% increase year-on-year, while China Construction Bank's asset management for the second pillar of pensions surpassed 620 billion yuan, with a 128% increase in new customers [2] - China Bank has established over 10,000 elder service compliant outlets and more than 1,000 pension service demonstration outlets, while Agricultural Bank has completed age-friendly renovations at over 20,000 outlets [2] Group 3: Financial Support and Challenges - The People's Bank of China has set up a 500 billion yuan loan facility to support service consumption and pension financing, with banks focusing on financing needs in elder care, medical rehabilitation, and cultural activities [3] - Despite increased credit support for the pension industry, experts suggest that the financing scale for pension services still lags behind other financial sectors like inclusive and green finance [3] Group 4: Future Directions and Innovations - The emphasis on developing pension industry finance includes increasing credit support for silver economy entities and exploring diverse financing models [4] - Banks are encouraged to innovate financial products and strengthen risk management while collaborating with local governments and industry associations to enhance pension financial services [5]

Core Viewpoint - Postal Savings Bank of China (PSBC) is focusing on enhancing its digital financial infrastructure and leveraging technology to drive growth and efficiency, with a significant increase in technology investment in 2024 [1][2][6]. Group 1: Financial Performance - In 2024, PSBC achieved an operating income of CNY 349.13 billion, a year-on-year increase of 1.81%, and a net profit attributable to shareholders of CNY 86.48 billion, up 0.24% [1]. - The total assets of PSBC exceeded CNY 17 trillion, growing by 8.64% [1]. Group 2: Technology Investment - PSBC's investment in information technology reached CNY 12.296 billion in 2024, marking a year-on-year growth of 9.03% and accounting for 3.53% of its operating income [1][6]. - The bank has consistently invested over CNY 10 billion annually in technology since 2021, reflecting its commitment to financial technology [6]. Group 3: Digital Infrastructure and Innovation - PSBC has upgraded its core systems, including a new generation of personal and corporate business systems, significantly enhancing operational efficiency [2]. - The new personal business core system can handle peak transaction processing at 67,000 transactions per second, while the corporate business core system has improved efficiency by over 10 times [2]. Group 4: AI and Smart Services - In 2024, PSBC launched its proprietary "Youzhi" large model, integrating computing power, algorithms, data, and scenarios to enhance service quality [8]. - The internal AI assistant, "Xiao You," processes over 3,000 inquiries daily, reducing business processing time by approximately 20% [8]. Group 5: Product and Service Innovation - PSBC is innovating its financial products and services, including a unified credit management system and enhanced risk monitoring for green finance [9]. - The bank's mobile banking platform has seen significant growth, with 378 million users and a transaction volume of CNY 17.8 trillion, up 11.21% year-on-year [12]. Group 6: Strategic Vision - PSBC aims to transform into a "digital ecological bank" by embedding digital financial thinking across the organization and enhancing its technological capabilities [12].

3月27日，中国邮政储蓄银行股份有限公司(股票代码：601658.SH，1658.HK)发布2024年年度报告。年报显示，邮储银行普惠服务能力不断增强，扎实推进 普惠金融大文章落实落细，聚焦普惠信贷保量、稳价、优结构，全力推动服务模式创新和流程重塑，深化数字化转型和集约化运营，持续提升普惠金融服务 专业化水平，加快打造服务乡村振兴主力军和普惠金融标杆行。截至2024年末，涉农贷款余额2.29万亿元，普惠型小微企业贷款余额1.63万亿元，占客户贷 款总额比重均居国有大行前列。 "五篇大文章"进一步明确了未来金融业在助力经济结构优化过程中的发力点，是提高金融服务实体经济质效的针对性部署。2024年，是邮储银行步入资本市 场的第9年。这些年来，邮储银行践行责任担当，服务实体经济质效不断提升，科技金融增量扩面，绿色金融蓬勃生长，普惠金融根深叶茂，养老金融特色 彰显，数字金融赋能增强。 邮储银行打造科技金融生力军，科技金融优势加快建立，聚焦科技型企业全方位金融需求，创新"技术流"评价体系、丰富"看未来"审查方法、优化"U益 创"科技金融产品服务体系、打造"政企研投"科技金融生态圈，着力服务技术实力强、成长潜力大的"高成 ...

3月27日，中国邮政储蓄银行股份有限公司(股票代码：601658.SH，1658.HK)发布2024年年度报告。2024年，邮储银行 全面落实中央经济工作会议、中央金融工作会议部署，紧紧围绕党和国家工作大局，持续优化资源配置，提升管理效 能，增强发展韧性，交出了一份稳中有进、进中有质的经营答卷。 年报显示，截至2024年末，邮储银行资产总额17.08万亿元，较上年末增长8.64%，负债总额16.05万亿元，较上年末增 长8.69%；营业收入3,487.75亿元（中国企业会计准则，下同），同比增长1.83%，增速居国有大行前列；实现利润总 额945.92亿元，同比增长3.27%；坚持"量价险"均衡策略，实现净息差1.87%，继续保持同业领先。 发展韧性持续增强 主要经营指标保持优异 2024年，邮储银行紧扣高质量发展主题，坚定不移提能力、谋创新、强管理，保持了健康平稳的经营发展态势。 年报显示，邮储银行加强息差精细化管理，拓展非息收入来源，努力提升综合收益，盈利能力保持稳定。2024年，实 现营业收入3,487.75亿元，同比增长1.83%；其中，利息净收入2,861.23亿元，同比增长1.53%；净息差1.8 ...

3月27日，中国邮政储蓄银行股份有限公司(股票代码：601658.SH，1658.HK)发布2024年年度报告。2024年，邮储银行 持续优化资源配置，提升管理效能，增强发展韧性，交出了一份稳中有进、进中有质的经营答卷。 发展韧性持续增强 主要经营指标保持优异 2024年，邮储银行紧扣高质量发展主题，坚定不移提能力、谋创新、强管理，保持了健康平稳的经营发展态势。 年报显示，邮储银行加强息差精细化管理，拓展非息收入来源，努力提升综合收益，盈利能力保持稳定。2024年，实 现营业收入3,487.75亿元，同比增长1.83%；其中，利息净收入2,861.23亿元，同比增长1.53%；净息差1.87%，保持行 业较优水平；非息收入626.52亿元，同比增长3.21%。实现利润总额945.92亿元，同比增长3.27%。 同时，邮储银行充分发挥自身资源禀赋优势，聚焦业务结构优化，加大服务实体经济力度，业务规模稳健增长。截至 2024年末，资产总额突破17万亿元，达17.08万亿元，较上年末增长8.64%；其中客户贷款总额8.91万亿元，较上年末 增长9.38%。负债总额突破16万亿元，达16.05万亿元，较上年末增长8. ...