Core Viewpoint - The China Postal Savings Bank Tianjin Branch has undergone significant transformation and achieved high-quality development over the past five years, navigating complex economic challenges and enhancing its strategic framework [1][2][3]. Strategic Evolution - The bank initiated a self-revolution in response to unprecedented challenges during the "14th Five-Year Plan" period, focusing on "customer management" and "capability enhancement" as key strategies for high-quality development [2][3]. - In 2024, the bank introduced the "Exceeding Plan," aiming for continuous improvement and fostering a proactive work atmosphere among employees [2]. Performance Breakthrough - The bank has transitioned from being a "follower" to a "competitor" in the market, achieving steady revenue growth and maintaining high profit generation despite economic downturns [4]. - The business structure has been optimized, with significant growth in corporate finance, retail finance, and inclusive finance, particularly in small business loans [4]. Risk Management - The bank has strengthened its risk compliance system, enhancing its ability to manage risks during economic downturns through comprehensive lifecycle management of loans and proactive asset recovery efforts [5][6]. Social Responsibility - The bank has actively supported regional economic development, financing nearly 270 billion yuan for various projects, including 50% of the city's subway lines and 60% of urban renewal projects [7]. - It has established strategic partnerships with local governments and enterprises, enhancing its brand influence and social responsibility recognition [4][7]. Financial Innovations - The bank has developed a comprehensive financial service ecosystem, including the "U Benefit Creation" brand for technology finance and a robust inclusive finance system, achieving significant growth in small micro-loans [8][9]. - Green finance initiatives have seen exponential growth, with green credit balances exceeding 18 billion yuan, reflecting the bank's commitment to sustainable development [8]. Internal Reforms - The "Customer Management" project has led to a substantial increase in client numbers and a transformation in operational models, enhancing the bank's service capabilities [11]. - The "Capability Enhancement" project has resulted in significant improvements in branch transformation, technology empowerment, and talent development, ensuring long-term growth [12]. Party Leadership - The bank has integrated party leadership into its operational framework, ensuring that business and party work are planned and executed in tandem, which has strengthened its organizational structure and operational effectiveness [13][14].

Core Viewpoint - The 27th China International High-Tech Achievements Fair (referred to as "High-Tech Fair") will be held from November 14 to 16, 2025, in Shenzhen, showcasing the integration of technology and finance to support innovation and industry development [3][4]. Group 1: Event Overview - The High-Tech Fair will cover a total exhibition area of 400,000 square meters, attracting over 5,000 brand exhibitors from more than 100 countries and regions, with participation from industry leaders like Huawei, Intel, and Tencent [4]. - The event will feature specialized exhibitions focusing on key sectors such as semiconductors, consumer electronics, and artificial intelligence, creating a comprehensive technology showcase [3]. Group 2: Financial Integration - The event aims to serve as a platform for the deep integration of technology, industry, and finance, with over 3,000 investment and financing institutions registered to participate, facilitating connections between technology and capital [5][6]. - Postal Savings Bank of China Shenzhen Branch will present a "Technology and Finance Symbiosis Experience Zone," demonstrating its commitment to supporting technology innovation through financial services [6][8]. Group 3: Financial Services Offered - The bank has developed a comprehensive service system targeting technology enterprises, offering products like "U Innovation" financial services, "Science and Technology e-loan" with a maximum limit of 10 million and an annual interest rate as low as 2.51% [6][8]. - The bank's services cover the entire lifecycle of enterprises, from initial funding needs to growth and maturity stages, including specialized financing solutions for intellectual property and mergers [7][9]. Group 4: Strategic Goals - The bank aims to create a "super financial engine" for the transformation of China's technological achievements, aligning with national strategies for high-level technological self-reliance and quality development [5][9]. - The participation in the High-Tech Fair is part of the bank's strategy to find innovative partners and provide precise financial support to foster new productive forces [10].

Core Viewpoint - The article highlights the development of the cultural tourism and health industry in Lingchuan County, Shanxi Province, supported by Postal Savings Bank, which has facilitated the growth of specialized towns and local economies through financial services [1][4]. Group 1: Development of Specialized Towns - Lingchuan County has leveraged its rich resources in traditional Chinese medicine and favorable natural environment to promote the development of a specialized town focused on traditional medicine, tourism, and health [1]. - The specialized town of Lingchuan has been recognized as one of Shanxi Province's second batch of key specialized towns, showcasing its importance in regional development [1]. Group 2: Financial Support from Postal Savings Bank - Postal Savings Bank's Shanxi branch has focused on enhancing financial services for specialized towns, implementing policies to support key industries and improve service capabilities [1][4]. - The bank has provided significant financial assistance, with a total of 178 billion yuan in loans to 1,344 small and micro enterprises across 18 provincial key specialized towns by May 2025 [4]. Group 3: Case Studies of Beneficiaries - Zhao Changming, a local entrepreneur, received a loan of 375,000 yuan from Postal Savings Bank to upgrade his farmhouse into a guesthouse, benefiting from a 35% interest subsidy [2]. - Yu Xueliang, head of a medicinal herb cooperative, was granted a loan of 1 million yuan to expand his business, demonstrating the bank's proactive approach in supporting local enterprises [3].

Core Viewpoint - The 27th China Beijing International Science and Technology Industry Expo showcases the integration of financial technology and traditional banking services, highlighting Postal Savings Bank of China's innovative practices and products in the financial technology sector [1][10]. Group 1: Exhibition Highlights - Postal Savings Bank of Beijing's exhibition theme is "Financial Technology Empowering the Development of Science and Technology Finance," featuring advanced technologies and innovative practices [1]. - The exhibition area is designed with a "Samsung Surround" architectural style, symbolizing the concepts of "innovation, openness, and sharing," and showcases the bank's "five major articles" in finance [3]. - Interactive technology projects, such as personalized laser engraving and digital human interaction, provide immersive experiences for visitors, demonstrating the bank's innovative financial products [4]. Group 2: Product Innovations - The "Easy Enterprise" platform offers a comprehensive suite of services for small and medium-sized enterprises, integrating financial services into core operational areas like tax management and payroll [6]. - Various financial products, including Uyi Chuang, Small Micro Easy Loan, and Quick Loan, cater to the diverse needs of technology enterprises, providing flexible financing options [7]. Group 3: Social Responsibility and Financial Ecosystem - The bank actively promotes digital finance, green finance, inclusive finance, and pension finance, aiming to build a diverse and inclusive financial ecosystem [8]. - The green loan balance reached 76.091 billion yuan, with a year-on-year growth of 17.48%, and green financing accounted for 41.99% of total loans [9]. - The bank's initiatives in inclusive finance include tailored financial services for small enterprises and the establishment of "Golden Sunshine" service platforms for elderly clients [10][11]. Group 4: Future Directions - Postal Savings Bank of Beijing aims to continue deepening the integration of technology and finance, optimizing service models, and driving innovation to support high-quality development in the financial sector and the real economy [10].

Group 1: Core Themes of the Event - Postal Savings Bank of China (PSBC) Beijing Branch showcased its financial technology achievements at the 27th China Beijing International Science and Technology Industry Expo, emphasizing the theme "Financial Technology Empowering Technological Financial Development" [1][2] - The exhibition featured interactive experiences such as personalized laser engraving and immersive financial product demonstrations, attracting significant audience engagement [1][2] Group 2: Technological Innovations - The PSBC Beijing Branch's booth design symbolized innovation, openness, and sharing, with a focus on the integration of finance and technology [2] - The "Harmony Experience Zone" highlighted the bank's first Harmony ecosystem bank, showcasing seamless interconnectivity among various devices and services [3] Group 3: Financial Products and Services - The bank introduced innovative products tailored for small and medium-sized enterprises, such as "Easy Enterprise" which integrates multiple management functions with financial capabilities [4][5] - The Uyi Chuang and other loan products were designed to meet diverse financing needs of technology enterprises, enhancing operational efficiency [4][5] Group 4: Social Responsibility and Financial Ecosystem - PSBC Beijing Branch actively promotes digital, green, inclusive, and pension finance, contributing to a diverse and inclusive financial ecosystem [6][8] - The bank's green loan balance reached 76.09 billion, with a year-on-year growth of 17.48%, demonstrating its commitment to sustainable finance [8] Group 5: Future Directions - The bank aims to deepen the integration of technology and finance, continuously optimizing service models to support high-quality development of the real economy [10]

Group 1 - Postal Savings Bank of China (PSBC) Beijing Branch showcased its "Future Bank" concept at the Science and Technology Innovation Expo, featuring advanced technologies like AI, MR, and digital human financial advisors [1][6] - The exhibition highlighted PSBC's commitment to financial technology innovation, with a focus on the "Harmony Ecosystem" and seamless cross-device collaboration [2][6] - PSBC introduced various innovative financial products tailored for small and medium enterprises, such as "Easy Enterprise" for comprehensive management solutions [3][4] Group 2 - The Uyi Chuang, Sci-Tech Loan, and Small Micro Easy Loan products cater to different financial needs, providing diverse financing options for technology-driven enterprises and small businesses [4][5] - PSBC's green finance initiatives have resulted in a green loan balance of 76.091 billion yuan, reflecting a 17.48% increase from the beginning of the year [7] - The bank's digital financial services, including cloud cabinet models, have facilitated over 170,000 transactions in 2024, enhancing customer service efficiency [6][7]

Core Viewpoint - The 27th China Beijing International Science and Technology Industry Expo will be held from May 8 to 11, 2025, showcasing Postal Savings Bank of China's Beijing branch's innovations in financial technology, including HarmonyOS ecosystem experiences, MR metaverse, digital human interaction, and smart cloud printing [1] Group 1: Digital Financial Infrastructure - The Postal Savings Bank of China's Beijing branch will focus on "Technology Finance" at the expo, highlighting green finance, inclusive finance, pension finance, and digital finance, while integrating HarmonyOS elements [2] - Visitors will experience various interactive projects, including personalized laser engraving services, MR metaverse explorations of financial products, and digital human interaction machines for financial consulting [2][3] Group 2: Innovation and Service Efficiency - The bank's innovations leverage HarmonyOS for seamless interconnectivity across devices, enhancing customer service experiences and operational efficiency [3] - In January 2025, the bank launched the HarmonyOS ecological bank, enabling a closed-loop service scenario with multiple devices for various banking functions [3] Group 3: Comprehensive Service System - The bank is focusing on the financial needs of technology enterprises, developing an evaluation system for innovation capabilities and enhancing its analysis methods to support high-growth tech companies [4] - The "Easy Enterprise" product offers a one-stop solution for small and medium-sized enterprises, integrating financial functions into various management applications [4] Group 4: Diverse Financial Products - The Uyi Chuang and Sci-Tech Loan product systems cater to different financing needs, with Uyi Chuang offering a range of services for capital operation and wealth management [5] - The Sci-Tech Loan addresses financing challenges for tech startups, while the Small Micro Easy Loan provides flexible online and offline financing options without requiring financial statements [5] Group 5: Commitment to Innovation - The bank's leadership emphasizes a commitment to innovation and optimizing service models, aiming to integrate technology and finance to support high-quality economic development [5]

Core Viewpoint - The deep integration of finance and technology is becoming a new engine for promoting high-quality development of the real economy, with Postal Savings Bank of China (PSBC) showcasing its innovations at the upcoming 27th China Beijing International Technology Industry Expo in May 2025 [1] Group 1: Digital Financial Infrastructure - PSBC Beijing Branch will focus on "Technology Finance" at the expo, featuring green finance, inclusive finance, pension finance, and digital finance, while incorporating elements of the HarmonyOS [2] - The exhibition will include immersive experiences with cutting-edge technology, such as personalized laser engraving services and MR metaverse experiences, allowing visitors to explore innovative financial products [2][3] Group 2: Innovative Service Offerings - PSBC Beijing Branch has developed a full lifecycle service system to meet the financial needs of technology enterprises, including a comprehensive evaluation system for innovation capabilities [4] - The "Easy Enterprise" product offers a one-stop solution for small and medium-sized enterprises, integrating financial functions with various management applications [4] - The Uyi Chuang, Sci-Tech Loan, and Small Micro Easy Loan products cater to different financing needs, with Uyi Chuang providing a range of financial services for tech entrepreneurs [4] Group 3: Future Outlook - PSBC Beijing Branch aims to continue optimizing service models and deepening the integration of technology and finance, contributing to the transformation of the financial industry and the high-quality development of the real economy [5]

Core Viewpoint - Postal Savings Bank has demonstrated resilience in a challenging banking environment, achieving significant growth in assets, revenue, and profit while maintaining a strong net interest margin of 1.87% in 2024 [2][3] Financial Performance - The bank's total assets exceeded 17 trillion yuan, reaching 17.08 trillion yuan, an increase of 8.64% from the previous year [3] - Revenue grew by 1.83% year-on-year, totaling 945.92 billion yuan, while net profit increased by 3.27% [2] - Net interest income reached 286.12 billion yuan, up 1.53% year-on-year, and non-interest income rose to 626.52 billion yuan, a growth of 3.21% [5] Strategic Focus - The bank emphasizes "long-termism" and does not pursue blind expansion, instead opting for refined management to balance scale and efficiency [2][3] - A dual strategy of stabilizing net interest income and enhancing non-interest income has been pivotal for growth [3] Customer-Centric Innovations - The bank has accelerated service model innovations in inclusive finance, with agricultural loans and microloans both growing over 12% [4] - In technology finance, the bank served over 90,000 tech enterprises, with financing balances exceeding 500 billion yuan, marking a growth of over 40% [4] Risk Management - The non-performing loan ratio remained below 1%, with a provision coverage ratio of 286.15%, indicating strong risk control measures [5] Organizational Reforms - The bank is undergoing comprehensive reforms in organizational structure, incentive mechanisms, and digital transformation to enhance internal motivation and operational efficiency [10][11] - Cost-to-income ratio decreased by 0.59 percentage points, reflecting the effectiveness of internal reforms [12] Future Outlook - Postal Savings Bank aims to integrate into national development plans and expand financial support for new productive forces, targeting high-quality growth in the coming years [13]