分行聚焦市场趋势与客户需求，2025年二季度与四季度相继推出"618理财节"和"富贵理财节"等活动， 推出三大类产品：一是"零钱+""薪金煲""闲钱+""稳信+"等口碑单品；二是每周推出"货币+"系列产品， 在销售服务费和管理费方面给予费率优惠，通过减费让利进一步提升客户收益；三是为新客户设计的专 属体验产品。同时，线上平台同步打造五大专区与两大主题活动。活动期间理财业务规模增长超50亿 元，总销量突破百亿元。 随着"十五五"规划全面推进，建设金融强国与上海国际金融中心的战略部署也正扎实推进。财富管理作 为衔接金融服务与民生需求的重要载体，不仅是满足居民资产配置需求的核心抓手，更是金融机构践 行"金融为民"理念、助力共同富裕的重要方向。中信银行上海分行扎根沪上37年来，始终积极把握行业 发展脉搏，持续推动理财业务转型升级。分行以"五个领先"战略为引领，坚守"金融为民"初心，着力打 造、有温度、有特色的财富管理服务体系，为上海国际金融中心建设注入澎湃动力。 向新求质，构建有温度的财富生态 面对低利率市场环境与客户日益多元化的需求，银行理财正从"牌照竞争"转向"能力竞争"。中信银行上 海分行依托中信集团全牌照综合 ...

证券日报网讯12月19日，中信银行（601998）在互动平台回答投资者提问时表示，根据本行2025年第三 季度报告，截至2025年9月30日，本行普通股股东总数为125823户。其中，A股普通股股东为101048 户，H股普通股股东24775户。 ...

（编辑 丛可心） 证券日报网讯 12月19日晚间，盐津铺子发布公告称，公司拟使用自有资金或自筹资金（含股票回购专 项贷款资金等）以集中竞价方式回购部分公司已发行的人民币普通股（A股）股票，回购价格不超过 109.32元/股，拟回购数量不低于2600000股，不超过3000000股，回购期限不超过6个月。公司近日取得 中信银行长沙分行出具的《贷款承诺函》，贷款额度最高不超过29000万元，贷款期限3年，仅限用于回 购股票。 ...

Core Viewpoint - The issuance of technology innovation bonds (科创债) by banks has significantly increased, with a total issuance scale reaching 301.4 billion yuan as of December 18, indicating a strong market response to the regulatory support initiated in May 2023 [3][14]. Issuance Scale - A total of 67 banks have issued 75 technology innovation bonds, with the largest share coming from state-owned banks, which account for 38.16% of the total issuance [3][15]. - The six major state-owned banks have collectively issued bonds worth 115 billion yuan, while city commercial banks and rural commercial banks have also become significant players, with issuance scales of 74.9 billion yuan and 15 billion yuan respectively [4][17]. Interest Rates - The interest rates for technology innovation bonds vary, with state-owned banks offering rates between 1.65% and 1.81%, while city and rural commercial banks have higher rates ranging from 1.67% to 2.07% [7][21]. - Notably, some city and rural commercial banks have rates exceeding 1.8%, indicating a competitive pricing environment [3][18]. Maturity Periods - The majority of the issued bonds have a maturity period concentrated around 5 years, which accounts for over 70% of the total, followed by 3-year bonds at over 20% [11][22]. - This maturity structure is designed to meet the medium to long-term funding needs of technology enterprises for research and development, as well as for project implementation [22]. Funding Allocation - The funds raised through these bonds are primarily directed towards technology innovation sectors, including the issuance of loans for technology projects and investments in innovative enterprises [6][17].

Core Insights - China’s central bank has officially announced the winners of the 2024 Financial Technology Development Award, with CITIC Bank winning five awards across various categories [1][2] - CITIC Bank has accumulated a total of 75 awards since participating in the program in 2009, including 4 first prizes, 32 second prizes, and 39 third prizes, covering areas such as architecture transformation, IT innovation, digital transformation, data governance, and risk prevention [1][2] Group 1: Award-Winning Projects - The first prize project, "Sky Project," provides robust technological support for enterprise digital transformation, achieving multiple domestic innovations and securing 11 authorized invention patents [1][2] - The second prize project, "Dual-Engine Intelligent Risk Control," integrates large language models with traditional AI technologies, enhancing risk control capabilities across various dimensions and significantly improving risk prevention efficiency [2] - The third prize project, "Core Big Data Comprehensive Upgrade," establishes a self-controlled digital infrastructure and offers standardized big data solutions for the bank's branches and subsidiaries [2] Group 2: Strategic Focus - CITIC Bank is committed to the "Digital CITIC" strategy, focusing on major innovations and applications to accelerate the development of leading technological capabilities and promote the construction of an intelligent banking system [2] - The bank aims to leverage "digital finance" as a foundation to contribute to the construction of a strong financial nation, advancing its strategy of becoming a leading digital bank [3]

Core Viewpoint - The issuance of technology innovation bonds by banks has significantly increased since the announcement by the central bank and the China Securities Regulatory Commission on May 7, with a total issuance scale reaching 301.4 billion yuan by December 18, 2023 [1][2]. Issuance Scale - A total of 67 banks have issued 75 technology innovation bonds, with state-owned banks being the primary issuers, accounting for 38.16% of the total issuance [1][3]. - The six major state-owned banks have collectively issued bonds worth 115 billion yuan, while city commercial banks and rural commercial banks have issued 74.9 billion yuan and 15 billion yuan, respectively [1][5]. - The issuance period is mainly concentrated in 5-year bonds, followed by 3-year bonds, with a small number of 6-month and 7-year bonds [1][9]. Interest Rates - The interest rates for the issued bonds range from 1.67% to 2.07%, with state-owned banks having slightly lower rates between 1.65% and 1.81% [1][7]. - City commercial banks and rural commercial banks have higher rates, with many exceeding 1.8% [1][9]. - The policy banks have rates of 1.4% for the National Development Bank and 1.65% for the Agricultural Development Bank [1][7]. Fund Allocation - The funds raised from technology innovation bonds are directed towards technology innovation sectors, including issuing loans for technology and investing in technology innovation enterprises [6].

Core Points - The company has decided to abolish the supervisory board, effective December 16, 2025, with the audit committee of the board taking over its responsibilities [2][3] - The amendments to the company's articles of association and related governance rules have been approved by the National Financial Regulatory Administration [2][3] - The supervisory board members have confirmed no disagreements with the company and there are no ongoing or impending litigations [2] Group 1 - The company held its second extraordinary general meeting and third A and H shareholders' meetings on August 26, 2025, where the proposal to abolish the supervisory board was approved [1][3] - The supervisory board's governance rules and related management measures will be abolished alongside the supervisory board [2] - The company expressed gratitude for the contributions made by the supervisory board members during their tenure [2] Group 2 - The revised articles of association and the rules for shareholder and board meetings will come into effect on December 16, 2025 [3] - The full text of the revised articles of association is available on the Shanghai Stock Exchange and the company's website [4]

Core Viewpoint - The company and its subsidiaries have a total external guarantee balance of 4.437 billion yuan, which accounts for 68.13% of the latest audited net assets [1] Financial Performance - The company projects a revenue of 3.843 billion yuan and a net profit of 751 million yuan for the year 2024 [1] - For the period from January to September 2025, the company reported a revenue of 3.025 billion yuan and a net profit of 594 million yuan [1] Financing Activities - To meet funding needs, the company has applied for a comprehensive credit line of 200 million yuan from CITIC Bank's Hefei branch, with its wholly-owned subsidiary, Jinri Sheng Mining, providing a guarantee for this financing [1]

非執行董事 998 董事名單及彼等角色及職能 中信銀行股份有限公司（「本行」）第七屆董事會（「董事會」）成員如下： 執行董事 方合英 （董事長） 蘆葦 （行長） 胡罡 魏強 王彥康 付亞民 獨立非執行董事 廖子彬 周伯文 王化成 宋芳秀 - 1 - - 2 - 董事會現有五個委員會。下表提供第七屆董事會成員所屬委員會的委員資料。 | | 戰略與 可持續發展 | 風險管理 | | 關聯交易 | 提名與薪酬 | 消費者權益 | | --- | --- | --- | --- | --- | --- | --- | | 董事╱董事會委員會 | 委員會 | 委員會 | 審計委員會 | 控制委員會 | 委員會 | 保護委員會 | | 方合英 | | | | | | | | （董事長，執行董事） | C | | | | | | | 蘆葦 | | | | | | | | （執行董事，行長） | M | C | | | | | | 胡罡 | | | | | | | | （執行董事） | | M | | | | | | 魏強 | | | | | | | | （非執行董事） | M | | | | | | | 王彥康 | | | ...

中信銀行股份有限公司章程 （根據2025年12月16日國家金融監督管理總局金覆〔2025〕725號文修訂並生效） | 第一章 | 總則 | 3 | | --- | --- | --- | | 第二章 | 經營宗旨和範圍 | 4 | | 第三章 | 股份 | 6 | | 第一節 | 股份發行 | 6 | | 第二節 | 股份增減和回購 | 7 | | 第三節 | 股份轉讓 | 10 | | 第四節 | 優先股的特別規定 | 11 | | 第四章 | 黨組織（黨委） | 13 | | 第五章 | 股東和股東會 | 14 | | 第一節 | 股東的一般規定 | 14 | | 第二節 | 控股股東和實際控制人 | 20 | | 第三節 | 股東會的一般規定 | 22 | | 第四節 | 股東會決議 | 29 | | 第六章 | 董事和董事會 | 34 | | 第一節 | 董事 | 34 | | 第二節 | 獨立董事 | 38 | | 第三節 | 董事會 | 45 | | 第四節 | 董事會專門委員會 | 52 | | 第五節 | 董事會秘書 | 53 | | 第七章 | 行長和其他高級管理人員 | 54 | | 第八 ...