E 建 设银行和总台文创 联合开发品监 制 0年 9年 第6 LHD LLCD 哒! 哒! 哒! 哒! 由中国建设银行携手总台文创联合开发和监制的 《善建成长·总台春晚马年压岁金》 智慧加"马" 灵感原型:西周蠡青铜驹尊 福驹特点:矫健灵动,束发戴冠,自带睿智勇毅气场 专属好运祝福: 聪慧成长、智勇双全 型安加"马" 灵感原型:汉代翼马 福驹特点: 羽翼舒展,脚踏祥云,身披流云纹 专属好运祝福: 事事如意、岁岁平安 GD STO 建康加"马" 灵感原型:唐代三花马 福驹特点:身姿挺拔,体魄强健,身躯装点卷草纹 专属好运祝福: 身体健康、活力满满 灵感原型:当代普氏野马 福驹特点: 高扬前蹄，尽显自由肆意的天性 专属好运祝福: 无忧无虑、快乐常伴 快乐加"马" 三版齐发 · 惊喜来袭 品圈片仅供参考 声以实物为 《善建成长·总台春晚马年压岁金》 (骐骐、骥骥、驰驰三款徽章随机赠送一枚) 《 善建成长·总台春晚马年压岁金》 《善建成长·总台春晚马年压岁金》 小礼包 珍藏版 ( 骐琪、骥骥、驰驰、骋骋四款徽章各一枚) 点击购买 // 半7年十八/ 斗么丰吸コナロイ | ials 台 为小朋友们派送新年好运啦 香味油 ...

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" ...

为积极响应服务"三农"、助力乡村振兴的政策号召，建行菏泽单县支行聚焦涉农主体金融需求，创新金 融服务模式，加大涉农贷款投放力度，为当地农业发展和农民增收提供有力的金融支持。 截至2025年12月，该支行累计发放涉农贷款4341万元，切实解决了农业经营主体融资难、融资贵的问 题。 齐鲁晚报.齐鲁壹点李可通讯员赵东月 在优化产品服务、提升服务质效方面，建行菏泽单县支行结合涉农主体实际情况，在农资供应、农产品 流通等场景中嵌入"齐鲁振兴贷抵押版""齐鲁振兴贷农担版""裕农快贷"等金融产品。同时，简化贷款办 理流程，为农资经营户解决资金短缺难题，保障周边农户春耕农资供应，为当地农户带来便捷、高效的 金融服务体验。 除了提供融资支持，该支行还积极组织金融宣讲小分队深入田间地头，围绕防范电信诈骗、识别非法集 资、安全使用电子支付工具等热点话题开展专题宣传活动。宣讲人员用通俗易懂的语言普及金融知识， 切实提升了农民群体的风险防范意识和金融素养，让金融服务更"接地气"。 下一步，该支行将继续聚焦农业全产业链发展需求，不断优化金融产品和服务模式，确保金融资源精准 投入到农业生产的各个环节。同时，持续挖掘客户需求，发挥普惠金融力 ...

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。 ...