人力资源管理

公司坚持以人为本，注重保障员工权益，为员工提供良好的发展平台，畅通员工发展通道，悉心关爱关怀员工，努力营造健康、温暖、积极向上的工作氛围，持续提升员工满意度。

（一）多元化权益保障

浦发银行严格遵循法律法规要求开展公开招聘工作，坚决维护就业公平，杜绝性别、民族、地域、宗教等任何就业歧视，确保招聘全程公平、公正和公开，对应聘者不限专业，鼓励具有多元化复合背景人员应聘，为各类专业背景人才提供不同区域、机构和专业领域的多元化就业机会。提供包括劳务派遣形式在内的灵活用工就业机会，共同维护社会和谐稳定。坚持同工同酬，严禁使用童工，禁止强迫劳动，严禁限制自由、虐待及任何歧视员工的行为，保障员工合法权益。

（二）全方位培训支持

浦发银行致力于将员工的自我成长、价值实现与企业发展有机结合，完善多层次、广覆盖、专业化的人才培养体系，采用线上线下相结合的培训方式，满足各层级员工专业提升和职业成长需求。

1.员工教育支持：浦发银行支持包含正式员工、合同工在内的全体员工开展外部认证和继续教育，例如：支持员工获取外部法律职业资格证书（律师资格证书）、注册会计师（CPA）、注册金融分析师（CFA）、注册风险管理师（FRM）等行内外专业资格证书；鼓励员工参与继续教育，2025年与上海财经大学合作推出浦发员工上财2026级工商管理硕士（MBA）专享奖学金及补贴政策，为员工学历提升提供经济支持，并在集团范围内进行宣传推广，助力员工丰富知识储备，提升职业技能与综合竞争力。

2.领导力培训计划：浦发银行建立了分层分类的领导力培训体系，开展分行行长和总行部门总经理培训班、分行和总行部门副职培训班、新任职总行直管干部培训班等分层级专项培训；结合“数智化”战略落地需要，开展总行骨干轮训、总行处级干部培训、“千人工程”优秀青年人才培训，分片区开展各分行中层干部专题培训。在面向管理层的同时，领导力培训也向全行员工拓展，包括演讲能力、视野拓展、生活技能、商务礼仪、研究能力、执行力、压力与情绪管理、自我驱动等课程内容，培训方式主要通过“浦银培训”内“学习频道”栏目开展，为全行员工提供随时可学的在线培训内容，有效提升员工领导能力和管理能力。

（三）针对性投诉机制

浦发银行在内部数字化工具系统设置了“举报投诉”应用模块，包含“纪检举报”“人事诉求”和“合规举报”三部分，为员工提供针对不同主题事件的专用投诉渠道，形成了员工投诉-专办跟踪-问题处理的全流程投诉机制。

Human Resource Management

SPD Bank adheres to a people-oriented approach, placing emphasis on safeguarding employee rights, providing a sound platform for career development, and promoting transparent advancement channels. The Bank is committed to fostering a caring and supportive work environment that is healthy, inclusive, and positive, with a continuous focus on enhancing employee satisfaction.

（1）Inclusive Protection of Employee Rights

SPD Bank strictly complies with applicable laws and regulations in its recruitment practices, upholding employment fairness and resolutely eliminating discrimination based on gender, ethnicity, region, religion, or other factors. The Bank ensures that the recruitment process remains fair, impartial, and transparent, and imposes no restrictions on applicants' academic disciplines. Candidates with diverse and interdisciplinary backgrounds are encouraged to apply, with various employment opportunities available across different regions, institutions, and professional fields. Flexible employment arrangements, including contractors, are also offered to promote social harmony and stability. The Bank upholds the principle of equal pay for equal work, strictly prohibits child labour and forced labour, and forbids any form of restriction of personal freedom, abuse, or discriminatory treatment of employees. Employees' lawful rights and interests are fully protected.

（2）Comprehensive Training Support

SPD Bank is committed to aligning employees' personal growth and value realisation with the Bank's overall development. A multi-level, broad-coverage, and professional training system has been established to meet the upskilling and career development needs of employees across all levels through a combination of online and offline training formats.

Employee Education Support

SPD Bank encourages all employees — including formal staff and contractors — to pursue external certifications and continuing education. This includes support for qualifications such as the Legal Professional Qualification Certificate, Certified Public Accountant (CPA), Chartered Financial Analyst (CFA), and Financial Risk Manager (FRM). In 2025, in partnership with Shanghai University of Finance and Economics, SPD Bank launched a dedicated MBA scholarship and subsidy scheme for the Class of 2026, offering financial support for employees seeking academic advancement. The initiative is promoted Bank-wide to support employees in broadening their knowledge, enhancing professional skills, and improving overall competitiveness.

Leadership Training Programmes

SPD Bank has developed a tiered and categorised leadership training system, delivering specialised programmes for branch presidents, department general managers, deputy general managers, and newly appointed senior managers at head office. In alignment with the  Bank's digitalization & intelligentization strategy, additional training initiatives have been implemented, including rotation programmes for core staff, divisional leadership development, the "1,000 Talents Programme" for high-potential young employees, and regional training for mid-level managers. Beyond management-level staff, leadership training is extended to all employees, covering topics such as public speaking, global outlook, life skills, business etiquette, research capability, execution, emotional resilience, and self-motivation. These training resources are primarily delivered through the "Learning Channel" section of the "SPD Training" platform, offering accessible and flexible online learning for all staff.

（3）Targeted Complaint Mechanism

SPD Bank has embedded a "Reporting and Complaint" module into its internal digital systems, comprising three dedicated sections: "Disciplinary Reporting", "HR Appeals", and "Compliance Reporting". This provides employees with tailored complaint channels for different types of concerns, forming a complete process from submission to issue resolution.

金融教育

浦发银行大力构建“线上+线下”“集中式+阵地化”“标准化+特色化”相结合的宣传渠道，持续普及金融知识，提升消费者金融风险防范意识。

（一）拓展“线上+线下”双渠道

线上服务：通过官方微信公众号、网站、微博、手机银行以及官方新闻媒体主动开展反诈宣传和风险提示，创新采用微博打卡、有声消保、电台广播、直播互动等形式吸引消费者热情参与，提升消费者反诈防骗的能力。上海分行联合多家机构牵手成立“金融消保朋友圈”，开启线上金融教育的新篇章；杭州分行依托浙江电台推送反诈贴士，推动金融知识有效覆盖各类金融消费者；长沙分行举办“靠‘浦’消保云课堂”，以“案例解析+实操演示”方式，将专业知识转化为易懂实用的“防身锦囊”；南宁分行在新浪微博上发起“打卡消保宣言 浦发银行在行动”的话题互动，邀请金融消费者通过制作明信片的方式成为“消保代言人”；大连分行开设喜马拉雅“有声消保”公众教育专栏，累计推送四十余篇音频内容。

线下服务：组织开展“金融知识专列”“金融消保知识缤纷集市”“美好金融美好生活”“金融消保进村寨”“消保县域行”等集中教育活动，内容涵盖普及金融知识、防范非法金融活动、树立价值投资理念等，将金融知识送到千家万户，持续深化金融知识普及“在一线”。昆明分行“金融知识专列”环绕滇池巡游，为春城市民带来一场美妙的消保之旅；武汉分行“靠浦集市”走进社区，居民朋友在打卡猜谜、闯关游戏等游园活动中学习金融知识；沈阳分行邀请50组家庭齐聚影院，让家长和孩子们共同学习金融知识，一起在金融心愿墙上许下美好心愿并拍照打卡；银川分行将金融知识融入原创快板节目《防诈抵骗心坦然》、传统秦腔剧目《洪湖赤卫队》等，因地制宜开展教育活动；西宁分行为村民绘制“金融知识漫画墙”，形象生动的漫画案例有效揭示金融风险，受到村民一致好评。

（二）关注重点群体教育宣传

聚焦“一老一少一新”群体，开展“守护银发金融”“金融知识伴成长”“新市民话消保”等系列针对性活动，持续丰富“消保靠浦”平台风险提示内容，致力于为消费者提供既专业又通俗易懂的金融教育服务。分时段开展“防范金融诈骗守牢资金安全”“学习科学投资理财做理性金融消费者”“关爱重点群体 提升群众获得感”等多项主题活动，创新打造“金融知识站点”“三库+平台”等线上线下宣传阵地，进一步扩大金融知识普及的广度和力度。太原分行在社区街道设立“金融知识站点”，持续向广大社区居民普及金融知识和反诈技巧；宁波分行“一村一金融顾问”为乡村群众提供日常金融服务和金融知识普及工作，并探索实施金融创新服务试点项目；福州分行“环岛walk说消保”组织岛民朋友通过“环岛健步走+打卡互动”的方式学习金融知识；西安分行探索“金融知识+非遗文化”，在热门景点长安十二时辰主题街区举办“长安消保十二时辰中秋游园会”。

（三）推动与金融教育机构建立合作

浦发银行积极推动与金融教育机构合作开展金融知识教育和宣传活动，2024年，共有37家分行与高校、中小学、老年大学、行业协会等当地机构合作开展金融教育活动，例如：上海分行入驻上海老年大学开展常态化金融服务；青岛分行每周走进海信小学讲解金融知识；南宁分行连续五天走进南宁理工学院开展金融知识普及活动；天津分行积极参与中国人民银行天津分行编著的《金融生活伴浦发银行（初中版）》；北京分行携手北京市西城区牛街街道工委、牛街派出所走进宣武回民小学，“大手拉小手”为回民小学学生讲解金融知识；合肥分行联合合肥市图书馆，在合肥市古城小学举行“浦发银行金融知识宣传教育联系点”揭牌仪式，向全校师生开展了内容丰富的主题讲座；深圳分行走进多所当地具有代表性的学校，开展“浦”照校园系列活动，针对不同年龄层的学生定制多样的金融知识互动游戏；广州分行在清华附中湾区学校设立“小浦读书角”，捐赠百本金融知识书籍，不断完善优化“金融知识进校园”课程体系。

信息安全与隐私保护

浦发银行始终高度重视信息安全与客户隐私保护，持续构建覆盖治理、制度、技术、运营和培训等维度的信息安全与数据安全综合管理体系。在网络安全方面，浦发银行建立了“总部统筹、分支联动”的治理架构，形成管理层与执行层职责明确、协同推进的管理机制；依托29项制度与38项策略，覆盖人员安全、访问控制、应急响应等关键环节，并配套部署包括主机入侵检测系统等在内的25类安全防御设备，建立起多层次纵深防御体系。通过威胁态势感知等平台，构建风险预测、实时防御、精准检测、快速响应的闭环安全运营体系，全面提升信息系统建设与应急处置能力。

在数据安全方面，浦发银行高度重视数据安全管理，构建完善的数据安全管理组织架构，明确党委、董事会、高级管理层和执行层职责，健全数据安全责任制。构建“1+N”数据安全制度体系，规范数据生命周期安全管理，落实相应的分级保护措施，防范数据泄露等安全隐患。建立多层次数据安全保障体系，在终端、应用、系统、网络等各个层面部署针对性的安全管控措施及工具，同步将数据安全要求贯穿于信息系统建设全周期，实现数据安全技术措施同步规划、同步建设、同步使用，并建立常态化数据安全检查、培训以及年度数据安全考核等机制。获中国信息通信研究院“数据安全治理能力评估三级认证”证书，并已顺利通过ISO 27001:2022新版信息安全管理体系认证，认证范围覆盖浦发银行全部自有运营业务，确保信息系统开发、运维及科技管理活动均符合国际公认的安全管理标准。

在外部监督方面，浦发银行每年聘请具备资质的第三方会计师事务所开展年度财务审计与信息技术（IT）审计，审计范围覆盖浦发银行信息系统与信息安全管理状况，重点包括IT治理、信息安全、系统开发测试与变更管理、系统运维管理等核心领域，同时关注网络安全、科技外包管理等高风险环节。通过持续性、专业化的独立审计机制，强化制度执行效果与风险控制能力，不断夯实浦发银行科技管理与安全运营的合规基础。

与第三方合作时，浦发银行严禁将客户个人信息非法出租、出售或泄露给任何第三方机构或个人用于完成交易或服务以外的目的。对外提供个人信息前须获取个人信息主体单独授权同意，法律法规另有规定的除外。第三方合作开展前，充分评估第三方合作机构个人信息保护能力，签署合作协议明确个人信息保护责任，包括要求第三方合作机构落实个人信息保护管理措施与技术手段，基于协议约定的处理个人信息的目的、方式与类型处理个人信息，不得擅自处理，积极响应个人信息主体权利，防止发生个人信息泄露、损毁、丢失、篡改等。第三方合作开展过程中，采取有效技术措施确保传输安全，并在合作过程中定期对第三方合作机构履行个人信息保护责任情况进行监督评估。同时，浦发银行依法合规面向客户提供优质的产品或服务时，收集、处理与办理业务或提供服务相关的必要个人信息，并在规定期限后删除数据。

Financial Education

SPD Bank is committed to promoting financial education through a diversified communication approach that integrates both online and offline channels, combines centralised campaigns with ongoing on-site engagement, and balances standardised content with tailored initiatives. These efforts aim to continuously enhance public understanding of financial knowledge and raise consumer awareness of financial risk prevention.

（1）Expanding Dual Online-Offline Channels

Online Services

SPD Bank actively promotes anti-fraud awareness and financial risk alerts through its official WeChat account, website, Weibo, mobile banking app, and authorised media platforms. Innovative formats such as Weibo check-ins, audio-based consumer protection series, radio broadcasts, and interactive livestreams have been introduced to enhance public engagement and strengthen consumer capabilities in fraud prevention.

The Bank's regional branches have developed distinctive online financial education initiatives. The Shanghai Branch, in collaboration with multiple institutions, launched the "Financial Consumer Protection Circle of Friends" to mark a new chapter in digital financial literacy. The Hangzhou Branch, leveraging Zhejiang Radio, regularly shares anti-fraud tips to broaden the reach of financial knowledge across diverse consumer groups. The Changsha Branch hosts the "Consumer Protection Cloud Classroom", transforming complex financial knowledge into practical self-protection tools through case studies and hands-on demonstrations. The Nanning Branch initiated the Weibo campaign "Declare Your Commitment to Consumer Protection – SPD Bank in Action", inviting consumers to create digital postcards as "consumer protection ambassadors". The Dalian Branch operates a dedicated "Audio-Based Consumer Protection" column on the Ximalaya platform, having published more than 40 educational audio episodes to date.

Offline Services

SPD Bank organises a wide range of focused offline educational campaigns, including the "Financial Knowledge Express", "Consumer Protection Knowledge Markets", "Better Finance, Better Life" roadshows, "Financial Consumer Protection in Villages", and "County-Level Outreach Programmes". These initiatives cover topics such as financial literacy, prevention of illegal financial activities, and the promotion of value-based investment principles, bringing practical financial knowledge into communities across the country and deepening frontline consumer education.

The Kunming Branch launched the "Financial Knowledge Express" along a scenic route around Dianchi Lake, offering citizens an engaging journey of consumer protection awareness. The Wuhan Branch brought the "SPD Knowledge Market" into neighbourhoods, where residents learned financial concepts through interactive games and quizzes. In Shenyang, 50 families were invited to a cinema event where parents and children jointly explored financial topics and shared their aspirations on a consumer protection wish wall. The Yinchuan Branch integrated financial knowledge into original cultural performances, such as the traditional kuaiban piece Stay Calm and Guard Against Fraud and the Qin opera The Red Guards on Honghu Lake, delivering education in locally resonant formats. The Xining Branch created a "Financial Knowledge Comic Wall" in rural communities, using vivid and relatable illustrations to explain financial risks — an initiative warmly received by local residents.

（2）Targeted Financial Education for Key Demographics

SPD Bank focuses on key demographic groups — namely the elderly, youth, and new urban residents — through a series of tailored initiatives, including "Safeguarding Senior Citizens in Finance", "Financial Literacy for Youth", and "Consumer Protection for New Residents". The Bank continues to enrich its "Consumer Protection with SPD" platform with accessible yet professional risk alerts, aiming to deliver financial education that is both expert-led and easy to understand.

Time-specific themed campaigns are also carried out, such as "Preventing Financial Fraud and Safeguarding Funds", "Becoming Rational Financial Consumers through Sound Investment Education", and "Caring for Priority Groups to Enhance Public Well-being". To further extend the reach and impact of financial literacy, SPD Bank has developed both online and offline outreach platforms, such as the "Financial Knowledge Station" initiative and the "Three Libraries + One Platform" model.

At the branch level, the Taiyuan Branch has established "Financial Knowledge Stations" in local communities to continuously provide residents with financial knowledge and anti-fraud tips. The Ningbo Branch has launched a "One Village, One Financial Adviser" programme to deliver daily financial services and literacy to rural populations, while also piloting innovative financial service models. The Fuzhou Branch's "Island Walk & Learn" initiative encourages residents to learn financial knowledge through island walks and interactive checkpoints. Meanwhile, the Xi'an Branch integrates financial education with intangible cultural heritage, hosting the "Chang'an Mid-Autumn Fair on Consumer Protection" in the popular "Chang'an Twelve Hours" cultural district.

（3）Promoting Partnerships with Financial Education Institutions

SPD Bank actively promotes cooperation with financial education institutions to jointly deliver financial literacy and public awareness campaigns. In 2024, a total of 37 branches partnered with local organisations — including universities, primary and secondary schools, senior education institutions, and industry associations — to carry out financial education initiatives.

For example, the Shanghai Branch established a regular presence at Shanghai University for the Elderly to provide ongoing financial services. The Qingdao Branch visits Hisense Primary School weekly to deliver financial literacy sessions. The Nanning Branch conducted a five-day programme at Nanning University of Technology to promote financial awareness. The Tianjin Branch contributed to the compilation of Living with Finance – SPD Bank Edition (Junior Secondary Version), published by the People's Bank of China Tianjin Branch.

In Beijing, the branch collaborated with the Niujie Subdistrict Working Committee and Niujie Police Station to visit Xuanwu Hui Nationality Primary School, delivering financial literacy lessons to students under the theme of "Big Hands Hold Little Hands". The Hefei Branch, in partnership with Hefei Public Library, unveiled an "SPD Bank Financial Literacy Education Contact Point" at Gucheng Primary School, where a thematic lecture was delivered to all students and staff. The Shenzhen Branch visited several representative schools to launch the "SPD Campus Engagement" series, offering age-tailored interactive financial games. The Guangzhou Branch established a "Little SPD Reading Corner" at Tsinghua University High School Bay Area Campus, donating over 100 books on financial topics and continuously enhancing its "Finance in Schools" curriculum system.

Information Security and Privacy Protection

SPD Bank places great importance on information security and the protection of customer privacy. The Bank continues to develop a comprehensive management system for information and data security, encompassing governance, policies, technologies, operations, and staff training. In the area of cybersecurity, SPD Bank has established a governance framework characterised by centralised coordination at headquarters and collaborative execution across branches. This structure ensures clear delineation of responsibilities between management and operational teams, facilitating coordinated advancement. The Bank has implemented 29 policies and 38 strategic protocols covering key areas such as personnel security, access control, and incident response. These are supported by the deployment of 25 categories of security defence equipment, including host intrusion detection systems, forming a multi-layered and in-depth defence system. Leveraging platforms such as threat intelligence and situational awareness systems, SPD Bank has built a closed-loop security operations framework that enables risk prediction, real-time defence, accurate detection, and rapid response. These efforts have significantly enhanced the Bank's information system resilience and emergency response capabilities.

SPD Bank attaches great importance to data security management and has established a robust organisational structure for data protection, with clearly defined responsibilities across the Party Committee, Board of Directors, senior management, and operational teams. A comprehensive accountability framework for data security has been put in place to ensure effective governance. The Bank has developed a "1+N" data security policy framework to regulate data lifecycle security management and implement tiered protection measures to mitigate risks such as data leakage. A multi-layered data protection system has been established, incorporating targeted security controls and tools across endpoints, applications, systems, and networks. Data security requirements are embedded throughout the entire information system development lifecycle, ensuring the synchronised planning, implementation, and utilisation of security technologies. Routine mechanisms for data security inspections, staff training, and annual performance evaluations have also been established. SPD Bank has obtained the Level 3 Data Security Governance Capability Certification issued by the China Academy of Information and Communications Technology (CAICT), and has successfully passed the ISO 27001:2022 certification for information security management systems. The certification covers all self-operated businesses of the Bank, ensuring that system development, operation and maintenance, and technology management activities adhere to internationally recognised security management standards.

SPD Bank engages qualified third-party accounting firms on an annual basis to conduct financial and information technology (IT) audits. The scope of these audits covers the Bank's information systems and information security management, with a focus on key areas such as IT governance, information security, system development, testing and change management, as well as system operations and maintenance. High-risk areas including cybersecurity and technology outsourcing are also subject to enhanced scrutiny. Through a continuous and professional independent audit mechanism, SPD Bank strengthens the effectiveness of policy implementation and risk control, thereby reinforcing the compliance foundation of its technology management and secure operations.

SPD Bank strictly prohibits the unlawful leasing, sale, or disclosure of customers' personal information to any third party for purposes beyond the completion of authorised transactions or services. Prior to disclosing any personal information externally, explicit and separate consent must be obtained from the data subject, unless otherwise stipulated by laws or regulations. Before initiating any third-party cooperation, the Bank conducts thorough assessments of the third party's capabilities in personal information protection and enters into formal agreements that clearly define data protection responsibilities. These agreements require the third party to implement appropriate organisational and technical safeguards, and to process personal information solely for the purposes, methods, and data types specified in the contract. Third parties are prohibited from unauthorised processing and are expected to uphold the rights of data subjects, while preventing any incidents of data leakage, damage, loss, or unauthorised alteration. Throughout the course of cooperation, SPD Bank employs effective technical measures to ensure secure data transmission and conducts periodic monitoring and evaluation of the third party's performance in fulfilling data protection obligations. In the course of providing lawful and compliant services or products to clients, the Bank collects and processes only the personal information necessary for business execution and service delivery, and commits to deleting such data upon the expiration of the required retention period.

绿色金融

（一）绿色金融战略升级

浦发银行高度重视气候变化对金融业务的影响，董事会在应对气候相关风险与推动绿色转型中发挥着积极引领作用，其承担着ESG战略及气候相关战略的决策工作。浦发银行明确提出构建气候风险数据库，优化压力情景模型、转型风险模型与物理风险模型，持续完善气候风险压力测试整体方案。

2024年，浦发银行第七届董事会第七十七次会议审议通过《上海浦东发展银行（集团）2024-2026年绿色金融发展规划》，将“稳妥应对气候变化”和“完善ESG风险管理体系”作为绿色金融发展战略的重要组成部分。同时，浦发银行2025年第五次董事会会议审议通过《上海浦东发展银行绿色金融管理办法》，进一步明确了与应对气候风险相关的部门职责，提出由相关职能部门参与全球气候治理相关研究、开展气候风险压力测试等。 

（二）绿色债券服务与发展

浦发银行持续拓展绿色金融产品体系，积极参与绿色债券市场，在承销与投资领域均形成实践基础，稳步推进绿色投融资双轮驱动。2023年，浦发银行承销绿色债券合计71亿元；2024年承销绿色债务融资工具45.52亿元，为可再生能源、生态修复、绿色交通等项目提供中长期融资支持，服务实体经济绿色转型。

2025年，为响应国家“双碳”目标和金融支持绿色转型的政策导向，强化金融机构在绿色投资端的引导作用，浦发银行已设定本币绿色债券新增投资规模同比增长10%的量化目标，明确投资端对绿色资产配置的增长预期，推动银行自有资金绿色化转型。

重点行业绿色信贷政策

为深入贯彻绿色金融理念，推动可持续发展战略落地，浦发银行建立并持续完善覆盖重点行业的信贷政策体系，强化对环境、社会和治理（ESG）相关风险的识别、评估与管控。通过制定《上海浦东发展银行2024年度公司客户信贷投向政策》，浦发银行对重要行业施行差异化的信贷政策，全面融入气候变化、生物多样性保护、资源可持续利用等关键议题的考量，助力构建负责任的金融生态系统。当前，浦发银行已针对农业、生物多样性、能源、矿产、石油与天然气等多行业与领域设立专项信贷政策，并将多行业的考量融入到整体信贷投向政策中，明确信贷支持与限制标准，确保信贷资源精准配置于具有正向可持续价值的项目与企业。

（一）农业相关信贷政策

浦发银行高度重视和充分认识金融支持全面推进乡村振兴，加快建设农业强国的重要意义及带来的业务机遇，聚焦重点领域和关键环节，加大对粮食和重要农产品稳产保供、种业振兴、农村基础设施建设、现代设施农业、先进农机研发、农业科技和农业装备、农业绿色发展、乡村产业高质量发展、宜居宜业和美丽乡村建设与城乡融合发展、强化巩固拓展脱贫攻坚成果等领域的金融支持力度。

（二）生物多样性相关信贷政策

浦发银行强化支持水生态保护及修复，重点推动长江经济带和黄河流域生态保护、修复治理项目。此外，优先支持纳入国家生态环境部生态环境导向开发（EOD）项目信息库项目融资，深入推进环境污染防治，提升生态系统多样性、稳定性、持续性。

（三）能源相关信贷政策

浦发银行信贷资源重点投向清洁能源、节能环保、清洁生产、环境保护、基础设施绿色升级及绿色服务产业，加强资源节约、循环与高效利用，提高能源资源安全保障能力，积极支持能源、交通、水利等重点领域基础设施基金项目、省级及以上重点项目。浦发银行在风力发电、水力发电、火力发电等细分能源行业制定了信贷政策。

能源行业细分信贷政策支持与限制标准

（四）矿产相关信贷政策

浦发银行重点支持具有资源优势和比较优势的煤炭、有色金属、矿产开采和加工行业。本行通过制定煤炭行业信贷政策，重点支持煤炭行业安全、高效、绿色、智能开采，支持煤炭在能源保障中发挥基础作用，坚决退出环保不达标、落后产能和违规新增产能项目。此外，本行将煤制合成气生产定位为选择支持类行业，重点支持鄂尔多斯、榆林、宁东、准东等现代煤化工产业示范区建设，不介入不符合国家产业规划、产业政策、“三线一单”、规划环评等要求的新增产能煤化工项目。

（五）石油与天然气相关信贷政策

与矿产相关行业的标准一致，浦发银行重点支持具有资源优势和比较优势的石油天然气与加工行业。本行积极支持符合绿色安全发展要求的石油炼制行业龙头企业，择优支持技术先进、环境友好、资源节约、安全可靠、产业链完备、具有规模优势的炼化一体化龙头企业，压缩退出产能利用率低、能耗水平高、不具备减污降碳能力及高环境风险的石油炼制企业。

Green Finance

（1）Green Finance Strategy Enhancement

SPD Bank places high importance on the impact of climate change on financial operations. The Board of Directors plays an active and leading role in addressing climate-related risks and advancing green transformation, and is responsible for approving the Bank's ESG and climate-related strategies. In 2024, the 77th meeting of the seventh session of the Board of Directors approved the Proposal on the “2024–2026 Green Finance Development Plan”, which identifies "prudently addressing climate change" and "enhancing the ESG risk management system" as core components of the Bank's green finance strategy. The plan explicitly sets out the development of a climate risk database, the optimisation of stress testing models—including transition risk and physical risk models—and the continuous refinement of the overall climate risk stress testing framework.

In 2025, at its fifth meeting of the year, the Board further approved the SPD Bank Green Finance Management Measures, which clarified departmental responsibilities in managing climate-related risks. The measures mandate relevant functional departments to participate in global climate governance research and to conduct climate risk stress testing.

（2）Green Bond Services and Development

SPD Bank continues to expand its green financial product portfolio and actively participates in the green bond market, having established practical experience in both underwriting and investment. The Bank steadily advances a dual-track approach to green financing and investment. In 2023, SPD Bank underwrote a total of CNY 7.1 billion in green bonds. In 2024, it underwrote CNY 4.552 billion in green debt financing instruments, providing medium- to long-term financial support for projects in renewable energy, ecological restoration, and green transportation, thereby contributing to the green transformation of the real economy.

In 2025, in response to the national dual-carbon targets and policy guidance on financial support for green transition, and to reinforce the guiding role of financial institutions on the green investment side, SPD Bank introduced a quantitative target of a 10% year-on-year increase in local currency green bond investments. This initiative reflects a clear expectation for expanded allocation to green assets on the investment side and aims to accelerate the green transformation of the Bank's proprietary capital.

Green Credit Policies for Key Industries

To advance the green finance agenda and support the implementation of its sustainable development strategy, SPD Bank has established and continuously refined a credit policy framework covering key industries. This framework strengthens the identification, assessment, and management of risks related to environmental, social, and governance (ESG) factors. Through the issuance of the 2024 Corporate Client Credit Orientation Policy, the Bank applies differentiated credit policies to critical sectors, incorporating key considerations such as climate change, biodiversity conservation, and sustainable resource use. These efforts contribute to the development of a responsible financial ecosystem. At present, SPD Bank has introduced dedicated credit policies for sectors including agriculture, biodiversity, energy, mining, and oil and gas. ESG-related considerations across these sectors are integrated into the Bank's overall credit orientation framework, with clearly defined criteria for credit support and restrictions. This ensures the targeted allocation of credit resources to projects and enterprises that demonstrate positive and sustainable value.

（1） Agricultural Credit Policy

SPD Bank attaches great importance to the role of financial services in advancing rural revitalisation and accelerating the development of a strong agricultural sector. Recognising both the strategic significance and business potential of this agenda, the Bank focuses on key areas and critical segments of the agricultural value chain, and has strengthened credit support accordingly.

SPD Bank's agricultural credit policy is designed to direct financial resources towards the following strategic areas: ensuring stable production and supply of grain and essential agricultural products; revitalising the seed industry; developing rural infrastructure; promoting modern and efficient agricultural facilities; supporting the research and development of advanced agricultural machinery; enhancing agricultural science and technology; advancing green agricultural practices; fostering high-quality development of rural industries; building liveable, business-friendly and beautiful villages; promoting integrated urban–rural development; and consolidating the achievements of poverty alleviation efforts.

（2） Biodiversity-Related Credit Policy

SPD Bank is committed to strengthening financial support for aquatic ecosystem conservation and restoration, with a particular focus on projects aimed at ecological protection and rehabilitation along the Yangtze River Economic Belt and the Yellow River Basin.

Priority is given to financing projects listed in the Ministry of Ecology and Environment's Eco-environment Oriented Development (EOD) programme database. Through these efforts, the Bank aims to advance environmental pollution prevention and control, while enhancing the diversity, stability, and sustainability of ecological systems.

（3）Energy-Related Credit Policy

SPD Bank allocates credit resources with a focus on clean energy, energy conservation and environmental protection, cleaner production, ecological protection, green infrastructure upgrades, and green service industries. The Bank supports initiatives aimed at enhancing resource conservation, recycling, and efficient utilisation, thereby contributing to the improvement of energy security and resource resilience.

Priority is given to infrastructure fund projects and major initiatives at the provincial level or above, particularly in key sectors such as energy, transportation, and water conservancy. In addition, SPD Bank has formulated credit policies for specific segments of the energy industry, including wind power, hydropower, and thermal power generation.

Sector-Specific Credit Guidelines for the Energy Industry

（4）Mining-Related Credit Policy

SPD Bank prioritises credit support for the coal, non-ferrous metals, and mineral mining and processing industries where clear resource and comparative advantages are present. The Bank has formulated dedicated credit policies for the coal sector, with a focus on promoting safe, efficient, green, and intelligent mining practices, and supporting the foundational role of coal in ensuring national energy security. Projects that fail to meet environmental standards, involve outdated production capacity, or represent unauthorised capacity expansions are strictly excluded from financing.

In addition, coal-to-syngas production is classified as a selectively supported sector. SPD Bank primarily supports the development of modern coal chemical industry demonstration zones in regions such as Ordos, Yulin, Ningdong, and Zhundong. The Bank does not engage in financing new coal chemical projects that fail to comply with national industrial planning, industrial policy, "Three Lines and One List" (ecological red lines, environmental quality bottom lines, resource utilisation thresholds, and environmental access lists), or strategic environmental assessments.

（5）Oil and Gas-Related Credit Policy

Aligned with the standards applied to the mining sector, SPD Bank prioritises credit support for the oil and gas extraction and processing industries that demonstrate clear resource and comparative advantages. The Bank actively supports leading enterprises in the petroleum refining sector that meet green and safe development requirements. Preferential credit is extended to integrated refining and chemical enterprises that are technologically advanced, environmentally friendly, resource-efficient, operationally safe, and possess a complete industrial chain and economies of scale.

Conversely, SPD Bank is phasing out financing for petroleum refining enterprises with low capacity utilisation, high energy consumption, inadequate pollution and carbon reduction capabilities, or high environmental risks.