Core Viewpoint - Recent fluctuations in the stock market have led several banks to raise the risk levels of their distributed public funds, indicating a response to market volatility and regulatory requirements [1][2][3]. Group 1: Bank Actions - Multiple banks, including China Construction Bank and Minsheng Bank, have raised the risk levels of various public fund products, with some banks adjusting risk levels up to seven times this year [1][3]. - China Construction Bank announced an adjustment of 87 public fund products, with 32 moving from medium-low risk (R2) to medium risk (R3) and 55 from medium risk (R3) to medium-high risk (R4) [3]. - Minsheng Bank also raised the risk levels of eight funds from low to medium risk, marking its fourth adjustment in October alone [4]. Group 2: Market and Regulatory Context - Analysts suggest that the banks' actions are a result of a combination of product, market, and regulatory factors, particularly after a significant market rally that saw the Shanghai Composite Index exceed 4000 points [2][4]. - The adjustments are seen as a precautionary measure to protect investors from potential losses due to market volatility [2][4]. - Regulatory frameworks, such as the "Commercial Banks' Agency Sales Business Management Measures," emphasize the need for banks to independently assess and adjust risk ratings for the products they sell [5]. Group 3: Compliance and Regulatory Actions - Several banks have faced regulatory penalties for inadequate risk assessment and compliance failures in their fund sales operations, highlighting the importance of proper risk management practices [6][7]. - Regulatory bodies have issued corrective measures against banks like Zhejiang Chouzhou Bank and Huaxia Bank for failing to meet compliance standards in fund sales [6][7]. - The ongoing regulatory scrutiny is expected to lead to more frequent adjustments in risk ratings as banks strive to align with compliance requirements and protect investor interests [4][6].

"我跑了两家大行网点，5年期大额存单都停售了，就连3年期的都得靠'抢'，额度一出来很快就没了，关键利率还比去年降了不少。"家住北京市的王 女士告诉记者，她手中的50万元闲置资金本想配置长期大额存单以求稳健收益，如今却陷入了"无处可放"的困境。 王女士的遭遇并非个例。记者近期调研发现，工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行六家国有大行已全面停售5年期大额 存单产品，部分股份制银行及城商行也紧随其后收缩长期存款业务。 六大行全面停售5年期大额存单 记者登录六大行官方APP及手机银行查询时发现，目前各银行大额存单期限结构已明显"短期化"。工商银行"大额存单"栏目下仅剩余1个月、3个月、 6个月、1年、2年、3年六个期限产品。其中，3年期大额存单产品利率为1.55%，1年期、2年期产品利率均为1.20%。 此外，中国银行、建设银行、交通银行及邮储银行的产品矩阵呈现相似特征，5年期产品均已从在售列表中移除。在农业银行2018年至2025年的人民 币个人大额存单产品目录中，也并未出现5年期大额存单产品的"踪影"。 回溯来看，5年期大额存单的退出并非突然之举。以中国银行为例，今年5月20日，中国银行曾在 ...

Core Viewpoint - Six major state-owned banks in China have collectively stopped offering 5-year large denomination time deposit products, indicating a trend towards shorter-term deposit offerings in the banking sector [1] Group 1: Bank Actions - The six major state-owned banks include Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank of China [1] - Several joint-stock banks and city commercial banks are also following suit by reducing their long-term deposit products [1] Group 2: Product Offerings - The current offerings of large denomination time deposits have shifted to shorter terms, with Industrial and Commercial Bank of China now only providing products with terms of 1 month, 3 months, 6 months, 1 year, 2 years, and 3 years [1] - The 3-year large denomination time deposit product has an interest rate of 1.55%, while the 1-year and 2-year products both have rates of 1.20% [1] - Other banks such as Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank of China exhibit similar trends, having removed 5-year products from their offerings [1] - Agricultural Bank of China does not list any 5-year large denomination time deposit products in its catalog for the period from 2018 to 2025 [1]

Core Viewpoint - The "Social Insurance and Banking Integration" service point in Binhai District, Weifang City, Shandong Province has been officially launched, aiming to enhance public awareness and accessibility of social insurance and medical insurance policies [1] Group 1: Service Launch and Objectives - The new service point is a collaboration between the Social Security and Medical Insurance Center and China Construction Bank, focusing on promoting social insurance policies and benefits to the public [1] - Activities at the launch included policy explanations and distribution of promotional materials to help residents understand insurance registration, qualification verification, and other related services [1] Group 2: Service Features and Benefits - The initiative aims to bridge the gap in social security services in urban and rural areas by leveraging the extensive network and advanced facilities of bank branches [1] - A total of 22 high-frequency social insurance services, including registration, information changes, and card activation, are now available for convenient access [1] Group 3: Future Plans - The district plans to further deepen the cooperation between social insurance services and financial services, expanding the range of services and standardizing service quality [1] - The goal is to enhance the efficiency of service delivery, ensuring that residents experience a streamlined process for accessing social insurance benefits [1]

服务协同，助力企业竞速全球化浪潮 企业"走出去"正迎来黄金时代，跨境金融服务的提质增效也进入新发展期。在跨境金融创新的浪潮中，建行上海市分行是先行者也是主力军。 2025年6月，作为首批试点银行，建行上海市分行在跨境金融服务平台上为多家企业完成了新型离岸贸易业务信息登记、海运提单核验及入账签注，进一步 将《上海国际金融中心进一步提升跨境金融服务便利化行动方案》落到实处。 这是建行上海市分行服务企业"走出去"的一个缩影。刘军介绍，聚焦上海国际金融中心建设，"建设银行上海全球金融服务中心"2024年揭牌成立，以此作为 跨境金融服务窗口和全球金融服务网络支点，搭建全球金融服务协调机制，统筹总分行、境内外金融服务协同，构建"一点接入，全球响应"的标准化服务体 系。 新华财经上海12月2日电（记者 王淑娟）迭代推出"技术流""价值流"科创评价体系，落地全国首笔"区块链+数字人民币"数据贷，打造"跨境金融服务"的样板 窗口，创新打造《流金岁月》养老金融手册，推出上海市首个面向中小微企业的碳服务普惠金融项目"碳数贷"……近几年来，建行上海市分行服务上海"五 个中心"建设，在浦江之畔奋力绘就金融高质量发展的新篇章。 近期，记 ...

Core Points - The 20th "Golden Roundtable Award" ceremony for Chinese listed companies was held in Jiangyin, attended by over 200 guests including executives, scholars, and media representatives, highlighting achievements in corporate governance [1][2][3] - The event recognized over 100 listed companies with a total market value exceeding 10 trillion, including 16 companies with market values over 100 billion [1][2] Group 1 - The opening speech by Li Zhenqiang emphasized the importance of the "Golden Roundtable Award" as a platform for consensus and wisdom, aiming to support the transformation and upgrading of Chinese listed companies [2][3] - Jiangyin's Vice Mayor Ji Zhen highlighted the city's achievements as a manufacturing hub, with 66 listed companies and a total market value exceeding 300 billion, positioning Jiangyin as a leader among county-level cities [5][6] Group 2 - Liu Yunhong, a professor, discussed the development of corporate governance rules in China, identifying six key issues in current practices and advocating for a shift from "formal compliance" to "substantive effectiveness" [12] - Zhu Zhengyi shared insights from Longji Technology's acquisition of Xingke Jinpeng, emphasizing the strategic role of corporate secretaries in governance [12][13] - Su Mei analyzed the trends in the A-share market under the registration system, stressing the importance of value management for high-quality development [15] Group 3 - The award ceremony recognized outstanding companies and individuals in various categories, including "Most Influential Independent Director" and "Excellent Board of Directors," showcasing achievements in governance and value creation [18][20][33] - The "Best Board of Directors" award was presented to leading companies such as Weichai Power and China Ping An, reflecting their exemplary governance practices and strategic foresight [33][36]

2025年11月26日，抚州金融监管分局发布批复称，建设银行《建设银行江西省分行关于舒颖偲任职资格 核准的请示》（建赣报〔2025〕136号）收悉。经审核，现批复如下： 二、建设银行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自建设银行政许可决 定作出之日起3个月内到任，并按要求及时报告到任情况。未在上述规定期限内到任的，本批复文件失 效，由抚州金融监管分局办理行政许可注销手续。 三、建设银行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固树立风险合规 意识，熟悉任职岗位职责，忠实勤勉履职。 一、核准舒颖偲建设银行抚州市分行行长的任职资格。 ...

Core Insights - The article highlights the progress made by Guangdong in financial reform and innovation over the past five years, emphasizing the role of the China Construction Bank Guangdong Branch in supporting the province's economic development [1] Group 1: Financial Empowerment - The China Construction Bank Guangdong Branch is actively fulfilling its responsibilities as a state-owned bank by contributing to the construction of a financially strong province [1] - The bank's efforts are guided by the "Five Major Articles" of finance, which aim to inject financial momentum into the high-quality development of the regional economy [1] Group 2: Innovation Practices - A series of research initiatives titled "New Intelligence Guangdong Financial Empowerment" has been launched in collaboration with the Southern Finance and Economics Media Group and the 21st Century Economic Report to showcase the bank's innovative practices in various fields [1] - The focus areas of innovation include technological advancement, industrial upgrading, and rural revitalization [1]

Core Viewpoint - The personal consumption loan interest subsidy policy aims to stimulate domestic demand and support economic recovery in China, marking a shift from broad financial support to targeted measures [1][2]. Group 1: Policy Implementation and Impact - The interest subsidy policy has shown positive results, with over 1.1 million clients served by Agricultural Bank and an additional 117.7 billion yuan in loans from China Construction Bank by the end of September [1]. - The policy is designed to support two types of consumption: daily expenses under 50,000 yuan and key areas such as household vehicles, education, and elderly care, with a subsidy cap of 3,000 yuan [1][2]. - The collaboration between the Ministry of Finance, the People's Bank of China, and financial regulators emphasizes a "precise drip irrigation" approach, enhancing the efficiency of fiscal funds and targeting consumer needs [1][2]. Group 2: Consumer and Supply Side Effects - The policy effectively reduces consumer credit costs, with a 500 yuan subsidy covering nearly 30% of interest for a 50,000 yuan loan at a 3.5% annual rate, significantly easing the burden on families [2]. - Major state-owned banks and financial institutions have established a comprehensive service network, with Agricultural Bank's consumer loan balance increasing by 126.1 billion yuan and China Construction Bank surpassing 645.8 billion yuan [2]. - The policy creates a virtuous cycle of "fiscal guidance, financial support, and consumption stimulation," leveraging fiscal funds to encourage financial institutions to serve real consumption [2]. Group 3: Long-term Market Confidence and Structural Changes - The subsidy policy aligns with the trend of rising service consumption, with per capita service expenditure reaching 46.8% in the first three quarters of this year, driving consumption growth [3]. - The policy not only aims for short-term consumption boosts but also focuses on cultivating long-term market confidence and optimizing the consumption environment [3]. - Future efforts should enhance policy implementation mechanisms, strengthen inter-departmental collaboration, and improve data sharing to ensure the sustainability and precision of the policy [3].

不知不觉中，曾经遍地开花的银行线下营业网点和ATM机，数量开始逐步减少。数据显示，今年以来 湖南全省银行网点数量减少60余家。在全国银行业网点规模整体收缩的背景下，这一变化反映出银行业 线下渠道的深度调整。网点减少是否意味着服务缩水？线下网点未来将扮演何种角色？ 银行网点收缩，服务会缩水吗 今年全省银行网点减少60余家，银行将越来越注重整体布局和功能升级 长沙晚报全媒体记者 范宏欢 实习生 黄春华 "感觉现在除了把过年收到的现金红包存到银行卡，其他都没什么业务需要去银行办理了，频率也就是 一年一次。"谈及最近是否有去过银行的线下网点，在长沙工作的白领小何说。 尽管网点数量有所减少，但网点内的服务体验却在持续提升。过去"排长队、等柜台"的场景已不多见， 取而代之的是智能设备与移动服务相结合的便捷体验。 记者走访发现，在建设银行长沙火炬路支行，市民进入大厅后，工作人员会主动上前询问需求，引导至 休息区等候。通过手持平板设备，工作人员可现场办理开户、转账、理财咨询等多项业务，真正实 现"服务走出柜台"。 "叔叔，您要办的业务手续已经在平板上处理好了，现在带您到窗口办理就行。"一位工作人员俯身轻声 对坐在沙发上的老年 ...