Industrial Bank Nanjing Branch: Using the power of finance to safeguard consumer safety and activate the vitality of people's livelihoods

Source: Yangtze Evening News

With 25 years of dedication to Jiangsu, the Nanjing Branch of Industrial Bank has always stayed true to its original mission of finance for the people, deeply integrating the protection of the rights and interests of financial consumers with the development of digital finance. It empowers people’s wellbeing through digital innovation, takes multiple measures to boost consumer confidence and stimulate consumer vitality, and while strengthening the financial security firewall, ensures that the convenience and warmth of digital finance reach every household in Jiangsu, injecting financial momentum into the province’s people-focused development and consumption upgrading.

The Nanjing Branch of Industrial Bank actively implements the strategy of expanding domestic demand, accelerates the rollout of the consumer loan interest-subsidy policy, and relies on digital products such as the “Xing Shandao” online consumer loans and credit card instalments to enable efficient and convenient processing of consumer financing. Meanwhile, through innovative approaches such as issuing digital renminbi consumer vouchers, it precisely taps into the people’s consumption market. As of the end of 2025, the branch’s consumer credit balance was nearly 70 billion yuan, and in 2025 its newly issued credit cards exceeded 150,000.

In the area of enabling people’s wellbeing consumption through digital finance, the Nanjing Branch of Industrial Bank proactively embraces the wave of digital transformation, activating residents’ consumption potential with diversified digital finance products and services. To ensure that digital finance services reach more people’s wellbeing scenarios, the Nanjing Branch of Industrial Bank continues to expand the application boundaries of digital renminbi. It has cumulatively opened more than 1.5 million number of d-number wallets, so that the convenience of digital payments covers every link of daily life—from food, clothing, housing, to transportation. At the same time, it deepens the development of smart scenarios, launching nearly 800 scenario ecosystem platforms covering people’s wellbeing fields such as industrial parks, education, healthcare, and wholesale agricultural markets. By integrating “finance + non-finance” services into social production and daily life, it uses technology to improve the accessibility of financial services, enabling consumers to enjoy convenient and secure digital financial services in a wide range of scenarios.

While enabling people’s wellbeing support, the Nanjing Branch of Industrial Bank always places the protection of financial consumers’ rights and interests in an important position, routinely carries out financial education and publicity activities, and innovates forms to reinforce the financial security firewall. The Nanjing Branch of Industrial Bank organically integrates financial knowledge popularization with intangible cultural heritage transmission. Through engaging formats that people enjoy—such as immersive market experiences and performances for financial education and publicity—it brings content including anti-fraud and fraud prevention, rational consumption, and knowledge about financial products to people’s doorstep. It has cumulatively carried out more than 190 live-streaming publicity activities, published 211 media articles, and reached 1.5 million people in terms of audience visits.

The Nanjing Branch of Industrial Bank focuses on key groups such as the elderly. At the venues of publicity activities, it sets up featured elderly-friendly service experience areas and upgrades age-friendly renovations at branch outlets. To make senior customers even more convenient, caring facilities and health-preservation books—including wheelchairs, magnifiers, dedicated seats for the elderly, age-friendly counters, and large-font storage and withdrawal devices—have become standard offerings at our “Xing Public Welfare Inclusive Stations” and the “Respect for the Elderly Public Welfare Areas.” At the same time, relying on more than 50 provincial age-friendly “An Yu +” outlets, the Nanjing Branch of Industrial Bank combines financial consumer protection knowledge with elderly care services, effectively improving the elderly population’s ability to prevent financial risks.

After 25 years of the original intention, the Nanjing Branch of Industrial Bank always uses digital finance innovation as its starting point, integrating consumer protection work into the entire process of people-focused services and consumption boosting. In the future, the branch will continue to focus on the “five major articles,” further improve the digital finance service system, and innovate the formats for consumer protection publicity. With more professional financial services and more solid consumer protection safeguards, it will protect the lawful rights and interests of financial consumers and help Jiangsu’s consumer market continuously renew itself.

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