尊敬的客户： 按照《财政部 中国银保监会关于进一步规范银行函证及回函工作的通知》（财会〔2020〕 12号）、《财政部办公厅 金融监管总局办公厅关于印发<银行函证工作操作指引>的通知（财 办会〔2024〕2号）》（以下简称"《通知》"）要求，并结合我行实际情况，现将我行函证业 务受理有关事项公告如下： 纸质函证处理 （一）受理机构和受理业务范围 1.总行集中处理机构受理业务 总行集中受理机构仅受理标准中文版审计类银行询证函（即《通知》中要求的《银行 询证函（格式一）》和《银行询证函（格式二）》）。其余情况（下述（一）.2章节）请 至开户机构办理。 会计师事务所等第三方询证单位按照我行集中受理函证要求，将《银行询证函（格式 一）和（格式二）》邮寄至指定受理机构，总行集中受理机构及联系方式如下： 集中受理机构：中国建设银行股份有限公司业务处理中心（武汉） 集中受理地址：湖北省武汉市洪山区楚平路99号中国建设银行业务处理中心询证函集 中处理点 联系电话：027-86760128（工作日9:00-11:30，14:00-17:00） 2.被询证单位开户机构受理业务 《验资业务银行询证函》、非《通知》规定的非标准格式《 ...

Core Viewpoint - Major Chinese banks including Industrial and Commercial Bank of China, Agricultural Bank of China, Postal Savings Bank of China, Bank of Communications, and China Construction Bank will start paying interest on digital RMB wallet balances at the same rate as current deposit rates from January 1, 2026, marking a significant transition in the digital currency landscape in China [1][4][5] Group 1: Bank Announcements - Industrial and Commercial Bank of China, Agricultural Bank of China, and Postal Savings Bank of China will apply interest to digital RMB wallet balances according to the current deposit rate, with interest calculation rules consistent with those for current deposits [4] - Bank of Communications will also apply the current deposit rate to digital RMB wallet balances, including various types of personal and corporate wallets, while balances in type four wallets will not earn interest [4] - China Construction Bank will revise its customer service agreement to reflect that digital RMB wallet balances will earn interest based on the current deposit rate starting January 1, 2026 [4] Group 2: Digital RMB Framework - The People's Bank of China has introduced a plan to enhance the management and service system for digital RMB, which will officially implement a new measurement framework and operational mechanism on January 1, 2026 [5] - This transition signifies a shift from the "digital cash era" to the "digital deposit currency era" after a decade of research and pilot programs [5]

12月29日，首届"CMG(中央广播电视总台)银发经济盛典"在央视财经频道播出。建设银行服务"大零号 湾"养老科技产业园区案例入选盛典"数智赋能篇"年度案例，展现了建行养老金融服务助力银发经济高 质量发展的最新进展，"健养安"品牌市场影响力正在不断提升。 银发经济的发展离不开金融力量的汇入。下一步，建设银行将不断增强服务国家建设能力，锚定"养老 金融专业银行"，聚焦银发经济培育发展和养老金保值增值，坚持投资于物与投资于人紧密结合，努力 为客户提供陪伴一生一世的养老金融综合服务，用心打造"健养安"养老金融金字招牌。 "大零号湾"养老科技产业园拥有"岁月长青·创新研发区"和"银发向阳·产业承载区"两大功能区，以"打造 国际领先的养老科技创新集群"为目标，致力于成为全球养老产业技术策源地与应用示范区。 建设银行立足养老科技的转型发展需求与园区入驻企业成长需要，积极推进养老金融、科技金融融合发 展，为园区建设、企业发展、员工成长持续赋能。建设银行加大资金投放力度，为园区270多家康复辅 具、智慧养老、居家养老服务等科技型企业提供贷款，累计超过5亿元；联动建信养老金，与园区管理 方共同设立园区人才年金计划，并量身定制" ...

Core Viewpoint - The article highlights the efforts of the CCB Heze Dongxian Branch in providing financial support to agriculture and rural revitalization, focusing on innovative financial services and increased agricultural loan disbursement [1][2]. Group 1: Financial Support Initiatives - The CCB Heze Dongxian Branch has issued a total of 43.41 million yuan in agricultural loans by December 2025, addressing the financing difficulties faced by agricultural operators [1]. - The branch has introduced various financial products such as "Qilu Revitalization Loan Mortgage Version," "Qilu Revitalization Loan Agricultural Guarantee Version," and "Yunong Quick Loan" tailored to the needs of agricultural entities [1]. Group 2: Service Optimization - The branch has simplified the loan application process to alleviate funding shortages for agricultural input suppliers, ensuring timely supply of agricultural materials for local farmers [1]. - Financial literacy initiatives have been organized, with teams conducting outreach in rural areas to educate farmers on topics like fraud prevention and safe electronic payment usage, enhancing their financial awareness [1]. Group 3: Future Plans - The branch plans to continue focusing on the entire agricultural supply chain, optimizing financial products and services to ensure precise allocation of financial resources to all stages of agricultural production [2]. - There is an ongoing commitment to explore customer needs and leverage inclusive finance to contribute to rural revitalization in Dongxian County [2].

Group 1 - The core point of the news highlights the top short-selling stocks in the market, with Hang Seng Bank-R, Sun Hung Kai Properties-R, and Lenovo Group-R leading in short-selling ratios at 100% each [1][2] - Alibaba-W, China Merchants Bank, and Baidu Group have the highest short-selling amounts, with figures of 1.242 billion, 1.018 billion, and 746 million respectively [1][2] - The deviation values for Hang Seng Bank-R, Hong Kong Exchanges-R, and Alibaba-W are the highest, recorded at 61.59%, 55.31%, and 48.34% respectively [1][2] Group 2 - The top ten short-selling ratio rankings show that Hang Seng Bank-R, Sun Hung Kai Properties-R, and Lenovo Group-R all have a short-selling ratio of 100% [2] - The top ten short-selling amounts list indicates Alibaba-W leading with 1.242 billion, followed by China Merchants Bank at 1.018 billion and Baidu Group at 746 million [2] - The top ten deviation values list features Hang Seng Bank-R with a deviation of 61.59%, followed by Hong Kong Exchanges-R at 55.31% and Alibaba-W at 48.34% [2]

Market Overview - The Hang Seng Index (HSI) closed at 25,845.14, down by 9.46 points or 0.04% [1] - The index had a trading volume of 36.86 million shares, with a high of 25,919.17 and a low of 25,815.14 [1] Blue-Chip Stocks Performance - HSBC Holdings closed at HKD 123.376, up by 0.31% compared to the previous close [2] - Tencent Holdings closed at HKD 599.528, down by 0.08% compared to the previous close [2] Individual Stock Movements - Tencent Holdings: Latest price HKD 600.000, up by HKD 3.500 or 0.59%, ADR price HKD 599.528, down by HKD 0.472 [3] - Alibaba Group: Latest price HKD 144.500, up by HKD 1.200 or 0.84%, ADR price HKD 143.326, down by HKD 1.174 [3] - HSBC Holdings: Latest price HKD 123.000, up by HKD 1.100 or 0.90%, ADR price HKD 123.376, up by HKD 0.376 [3] - AIA Group: Latest price HKD 81.650, down by HKD 0.550 or 0.67%, ADR price HKD 82.070, up by HKD 0.420 [3] - Meituan: Latest price HKD 104.300, up by HKD 0.100 or 0.10%, ADR price HKD 103.410, down by HKD 0.890 [3] - Ctrip Group: Latest price HKD 571.000, up by HKD 11.500 or 2.06%, ADR price HKD 562.723, down by HKD 8.277 [3] - BYD Company: Latest price HKD 97.600, up by HKD 0.500 or 0.51%, ADR price HKD 97.496, down by HKD 0.104 [3]

Core Viewpoint - The personal operating loan interest rates have generally entered the "2" range, with some banks offering rates as low as 2.3%, driven by competition and a strategy of attracting customers through lower prices [1][4]. Group 1: Current Loan Rates - Many banks are now offering personal operating loan rates below 2.5%, with slight variations based on region and product type [1][2]. - For instance, the lowest rate for personal mortgage operating loans at one bank is 2.35%, with a loan term of 3 years and a credit limit of up to 30 million yuan [1]. - Another bank reports that the minimum rate for collateralized personal operating loans is 2.5%, while credit-based products start at 2.55% [2]. Group 2: Loan Approval Criteria - Borrowers must meet strict criteria, including having a local household registration and a minimum duration of social security payments [3]. - The collateral property must be within the local jurisdiction, not older than 35 years, and the borrower must have owned it for at least 3 months [3]. - Additionally, the borrowing entity must be a small or micro enterprise with a good credit record and normal operating cash flow [3]. Group 3: Market Dynamics and Risks - The current low interest rates are a result of multiple factors, including policy guidance, industry competition, and reduced funding costs for banks [4][5]. - While lower rates can stimulate demand and reduce interest expenses for borrowers, there are concerns about potential risks, such as narrowing interest margins and the possibility of unhealthy competition [4][5]. - Experts warn that aggressive pricing strategies could lead to a decline in banks' profitability and their ability to support the real economy effectively [4][5]. Group 4: Strategic Responses from Banks - Different banks have varying perspectives on the sustainability of low-interest operating loans, with some viewing it as a necessary strategy to gain market share despite thin margins [5][6]. - Larger banks may benefit from cross-selling additional services to clients attracted by low rates, while smaller banks face challenges in maintaining competitiveness without engaging in price wars [6][7]. - There is a call for financial institutions to adopt differentiated strategies and focus on enhancing product quality and service rather than solely competing on price [6][7].

Core Viewpoint - The bank supervisory board system, in operation for nearly 30 years, is approaching its end as banks begin to abolish this structure in favor of audit committees, following new regulations from the China Securities Regulatory Commission (CSRC) and the Financial Regulatory Bureau [2][3][4]. Regulatory Framework for Reform - The new Company Law, effective from July 2024, allows financial institutions to replace supervisory boards with audit committees, fundamentally changing the requirement for supervisory boards as mandatory entities [3][4]. - The Financial Regulatory Bureau has issued policies that support the transition, allowing financial institutions to choose between retaining supervisory boards or establishing audit committees to perform supervisory functions [3][4]. Differences in Implementation - There is a differentiation in the approach to abolishing supervisory boards between listed and non-listed banks, with listed banks required to eliminate supervisory boards by 2026, while non-listed banks have the option to retain them [4][5]. - Major state-owned banks have already initiated the process of abolishing supervisory boards, with the five largest banks voting to remove them in April 2025 [5]. Effectiveness and Challenges of Supervisory Boards - The supervisory board has been criticized for its lack of independence, professionalism, and efficiency, often leading to overlapping functions and ineffective oversight [6][7]. - The costs associated with maintaining a supervisory board are significant, with estimates suggesting that listed banks could save millions annually by abolishing this structure [7]. Transition Paths for Supervisory Board Members - Former supervisory board members may transition to roles within the audit committee, take on positions in other financial institutions, or retire from the industry [8]. - The governance mechanism is expected to become more efficient, with fewer decision-making layers and a more direct oversight structure through audit committees [8].

国家知识产权局信息显示，中国建设银行股份有限公司取得一项名为"自动化测试方法和相关设备"的专 利，授权公告号CN114168426B，申请日期为2021年12月。 天眼查资料显示，中国建设银行股份有限公司，成立于2004年，位于北京市，是一家以从事货币金融服 务为主的企业。企业注册资本26160038.1459万人民币。通过天眼查大数据分析，中国建设银行股份有 限公司共对外投资了36家企业，参与招投标项目5000次，财产线索方面有商标信息1906条，专利信息 5000条，此外企业还拥有行政许可149个。 来源：市场资讯 声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 ...

Core Viewpoint - The company is leveraging digital financial services to enhance the cultural and tourism sectors in Chongqing, integrating financial support into local events and activities to stimulate consumption and economic growth [2][3][5][6][7] Group 1: Cultural and Tourism Initiatives - The company is actively promoting county-level cultural tourism activities, collaborating with local authorities to launch events such as "Warm Winter Hot Spring Season" and "New Year Climbing Activities," distributing nearly 100,000 yuan in exclusive coupons [3] - In Wushan, the company utilized the International Red Leaf Festival to integrate local resources, offering digital services through the "Construction Bank Life" platform and distributing over 20,000 yuan in tourism discounts, achieving a win-win situation for government, merchants, tourists, and the bank [3] - The company is extending its services to support local特色 events like the "Longshou Lake New Year Fireworks Show," enhancing local IP influence and promoting regional tourism [3] Group 2: Low-altitude Economy Development - The low-altitude economy is identified as a significant growth area, with the company addressing challenges in the sector by partnering with local industry leaders and providing traditional credit support alongside digital financial services [5] - The establishment of a "Low-altitude Economy Zone" on the "Construction Bank Life" platform offers citizens flight experience discounts of up to 50% and exclusive digital currency coupons, significantly lowering the entry barrier for public participation [5] - The company plans to further explore digital financial tools in areas such as drone training and pilot licensing, contributing to the development of the low-altitude industry ecosystem [5] Group 3: Sports Events Integration - The company is capitalizing on the popularity of sports events to drive economic development, collaborating with the municipal sports bureau to create a one-stop platform for sports-related services, integrating dining, accommodation, and entertainment [6] - During the 2025 Chengdu-Chongqing Sports Industry Alliance Conference, the company launched promotional activities that attracted nearly 10,000 participants, generating over 50,000 yuan in consumer discounts [6] Group 4: Cultural Performance Support - The company is extending financial services to the performing arts and youth culture sectors, partnering with local theaters to offer digital currency ticket subsidies and regularly sharing performance information through its public account [7] - The company is also engaging with local music venues to attract younger audiences through promotional discounts, thereby energizing the night economy and youth culture in Chongqing [7] - Future initiatives will focus on innovative financial solutions in cultural and tourism sectors to further stimulate local economic development [7]