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邮储银行山西省分行 助专业镇驶入发展“快车道”
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].
邮储银行北京分行亮相北京科博会 智启未来 解锁金融科技“超能力”
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].
科技,点亮金融创新的“火花” —邮储银行北京分行参展科博会全方位展示前沿成果
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]
当金融科技遇见未来|邮储银行北京分行邀你共赴科博鸿蒙之旅
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]
邮储银行北京分行将亮相 第二十七届北京科博会
Jing Ji Ri Bao· 2025-04-29 21:54
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]
科技赋能金融,数据驱动未来 邮储银行北京分行将亮相第二十七届北京科博会
Hua Xia Shi Bao· 2025-04-18 06:03
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]
“稳净息+强非息”双轮驱动 邮储银行穿越周期的成长密钥
为者常成,行者常至。但在利率下行、净息差收窄压力下,2024年银行业要平衡规模和效益面临考验。 日前,邮储银行在这样的环境中交出了一份"逆周期"答卷:2024年,该行资产规模突破17万亿元,营收同比增长1.83%,实现利润总额945.92亿元,同比 增长3.27%,净息差1.87%稳居行业前列。 这份成绩单背后,是邮储银行对"长期主义"的坚守——不盲目追求规模扩张,而是通过精细化管理实现"量价险"均衡优化。正如该行董事长郑国雨所 言:"因势而变、顺势而行。" 净息差1.87%"稳"字诀: "量价险"均衡优化 商业银行的资产负债管理核心目标是在盈利性、安全性和流动性之间寻找平衡。 面对LPR(货币市场报价利率)、存量房贷利率下调,"报行合一"政策等因素叠加影响,2024年邮储银行不仅实现了营收、净利润"双增长",更以1.87% 的净息差水平领跑,其秘诀在于"稳净息、提非息"的双轮驱动策略。 截至2024年年末,邮储银行资产总额突破17万亿元,达17.08万亿元,较2023年年末增长8.64%;其中客户贷款总额8.91万亿元,较2023年年末增长 9.38%。负债总额突破16万亿元,达16.05万亿元,较2023 ...