随着我国对外开放不断深化，企业和个人对跨境金融服务的需求日益多元。中信银行郑州分行积极融入 高水平对外开放大局，依托中信集团"要出国、找中信""来中国、找中信"品牌主张及跨境资源优势，坚 持传统外汇业务与新型跨境业务"双轮"驱动，服务好"走出去""引进来"企业，金融支持"稳外贸、稳外 资"效果显著。 近日，中信银行郑州分行在新乡举办跨境业务沙龙活动，聚焦跨境金融服务与国际化资产配置，为客户 详解跨境金融工具与服务方案。这场立足实体经济需求、紧扣开放发展脉搏的专业分享，不仅展现了金 融机构服务客户多元化需求的专业能力，更彰显了该行在助力跨境贸易便利化、服务国家对外开放战略 中的责任担当。据了解，该行积极与中信保、商务厅、律所、外综服平台等多个渠道对接，仅今年上半 年，就联合举办政策宣讲会和客户对接活动近10场，走访重点客户200余次，触达进出口企业近100家， 通过深入服务企业进出口贸易、跨境结算、结售汇、汇率风险管理，为外贸企业"出海掘金"保驾护航。 跨境金融是连接国内国际双循环的重要纽带。2024年，中信银行创新发布"信外汇+"跨境金融综合服务 体系，该体系秉承"中信大外汇、全球价值链"的价值理念及"专业、 ...

证券之星消息，8月12日股份制银行板块较上一交易日上涨0.24%，中信银行领涨。当日上证指数报收于 3665.92，上涨0.5%。深证成指报收于11351.63，上涨0.53%。股份制银行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 601998 | 中信银行 | 8.35 | 1.33% | 43.94万 | 3.66亿 | | 600016 | 民生银行 | 4.94 | 1.02% | 201.10万 | 9.94亿 | | 601818 | 光大银行 | 4.10 | 0.99% | 213.97万 | 8.80亿 | | 601916 | 浙商银行 | 3.39 | 0.59% | 161.89万 | 5.48亿 | | 601166 | 兴业银行 | 22.99 | 0.48% | 59.81万 | 13.83亿 | | 600015 | 半夏银行 | 8.03 | 0.37% | 29.25万 | 2.35 Z | | 000001 | 平安银行 | 12. ...

中信银行北京分行将以此为起点，坚持有温度的服务，致力于为企业提供全面、特色、创新及更高 水平的综合性金融服务和解决方案, 持续助力"两区"建设发展。 为深入实施创新驱动发展，深化金融领域开放创新，北京市着力打造建设北京自由贸易试验区（下 称"北京自贸区"）并开展本外币一体化试点。中信银行北京分行积极落实国家政策，紧抓市场发展机 遇，于2022年2月28日、3月3日集中推动辖内地处北京自贸区商务中心区内的三家网点翻牌，分别更名 为中信银行北京自贸试验区支行、中信银行北京自贸试验区国际商务服务片区支行及中信银行北京自贸 试验区商务中心区支行。 【纠错】 【责任编辑:任想】 中信银行北京分行同时翻牌三家自贸区支行有利于深入践行"扎根自贸区、服务自贸区、建设自贸 区"金融职责，有利于充分开拓动能，不断开展创新金融服务，全方位支持北京自贸区建设。在自贸区 支行翻牌后，针对自贸区业务，中信银行北京分行将根据北京自贸区的特点和政策要求，继续推动金融 市场开放、资本跨境流动、投融资便利化等金融领域开放创新政策，助力企业跨境资金流动便利化、推 进企业金融服务线上化，着力打造中信银行特色的"自贸区服务名片"。 3月4日，中信银行 ...

Core Viewpoint - The development of public welfare and charity in China is steadily increasing, with a focus on the collaboration between CITIC Bank Beijing Branch and the China Football Development Foundation to enhance social responsibility and support public welfare initiatives [1] Group 1: Online Platform and Technological Empowerment - CITIC Bank has responded to the digital transformation needs of the Football Foundation by providing constructive suggestions on donation strategies and information technology, leading to the establishment of an online donation system [2] - The online donation system facilitates convenient donation channels and diverse methods, enhancing public engagement in football-related charity and supporting the Foundation's fundraising efforts [2] Group 2: Deepening Business Links and Innovation - CITIC Bank's brand proposition "Achieve Partners" aims to empower partners and create greater value, focusing on supporting the Football Foundation's digital transformation and online fundraising initiatives [3] - The bank is exploring the integration of donation projects into its mobile banking app, allowing customers to engage in various forms of donations, including one-time, monthly donations, and credit card point donations [3] Group 3: Expanding Industry Cooperation and Service Extension - The Football Foundation has established strong partnerships with educational and sports authorities, and CITIC Bank aims to act as a bridge between the Foundation and its banking clientele [4] - The bank plans to promote the Foundation's projects while expanding cooperation across the industry, innovating products and services to provide high-quality financial services and uphold the spirit of public welfare [4]

近日，中信银行聚焦"一老一少"重点人群的金融需求，积极开展"3·15"消费者权益保护教育宣传周活 动，守护孩子平安成长，护航老人幸福晚年，让教育宣传更有温度。 普及金融知识从娃娃抓起 在广州，中信银行 走进逸景第一小学，以现场和直播两种方式为该校高年级9个班级共400位同学开展 金融知识讲解。银行通过发放宣传手册、播放PPT课件、面对面交流等方式，为学生们讲解电信诈骗、网络 诈骗、以及生活中可能遇到的金融风险和应对方法等金融常识。 本次宣讲活动中的互动小游戏"我是小小银行家"将同学们的热情推向高潮。通过小游戏调动孩子们的积 极性，深入浅出地让孩子们从最基础的金融知识入手，多方位、多角度地了解金融知识；从小引导学生自觉 抵制非法金融活动，呼吁珍惜个人征信，净化校园金融市场环境。 在杭州，中信银行走进嘉善职业中等学校，通过线上讲解、线下同步 视频播放的形式，向在校的青少 年宣传"3.15"消费者权益保护教育宣传周的相关内容，帮助青少年进一步了解金融知识，提升风险责任意识 和维权意识。 在昆明，中信银行举办"3·15"消费者权益保护日宣传活动暨'中信杯'青少年消保书画大赛，活动围绕"有 温度的金融服务 助推消费公平 ...

Core Viewpoint - Several commercial banks, including CITIC Bank and China Construction Bank, are exploring the launch of personal carbon accounts to convert customers' carbon reduction behaviors into bank account points, thereby enhancing the supply of green financial products [1][5]. Group 1: Personal Carbon Accounts Overview - Personal carbon accounts are designed to help individuals and businesses calculate their carbon emissions and improve reduction efficiency, similar to the "Ant Forest" model [2]. - CITIC Bank has launched a beta version of its "CITIC Carbon Account," predicting that its credit card users can collectively reduce over 2 million tons of carbon emissions annually through low-carbon behaviors [2][3]. - Other banks, such as Shanghai Pudong Development Bank and Rizhao Bank, are also developing their own carbon account systems, focusing on different functionalities and user benefits [3][4]. Group 2: Benefits and Market Potential - The establishment of personal carbon accounts is expected to enhance public awareness of energy conservation and low-carbon lifestyles, potentially becoming a key direction for the future development of green finance [5][6]. - The carbon account system can attract users to bind their daily payment functions to the bank, increasing customer loyalty and facilitating the development of innovative green financial retail products [6][7]. Group 3: Challenges and Future Development - The current challenges in establishing a comprehensive personal carbon account system include ensuring the scientific accuracy of carbon emission data monitoring and measurement, as well as the need for standardized accounting methods [8]. - Experts emphasize the importance of building a robust data platform for carbon accounts, ensuring data accuracy and security, and promoting the concept of green consumption across society [8][9].

从资产质量来看，多数银行房地产业不良贷款余额和不良贷款率微升。平安银行年报显示，截至2021年 年末，房地产业不良贷款率为0.22%，较2020年年末仅上升0.01个百分点。 其他股份行情况类似。截至2021年年末，招商银行房地产业不良贷款余额由2020年年末的11.90亿元上 升至56.55亿元，不良贷款率由0.3%上升至1.41%；中信银行房地产业不良贷款余额由96.33亿元提升至 103.31亿元，不良贷款率为3.63%，较2020年上升了0.28个百分点。 中国证券报记者日前梳理多家银行2021年年报后发现，截至2021年年末，银行业涉及房地产不良贷 款余额、不良贷款率整体来看较前一年略有提升。业内人士表示，这与商业银行加大房地产业的拨备计 提力度有关。整体来看，银行业涉房业务风险敞口有限，后续商业银行将进一步强化风控措施，同时加 大对保障性租赁住房项目、房企并购优质项目的支持力度。 涉房贷款不良率微升 据中国证券报记者不完全梳理，截至3月29日发稿时，已有中国银行、交通银行、招商银行、兴业银 行、中信银行、平安银行、苏州银行共7家A股上市银行在2021年年报中披露涉房贷款情况。 整体来看，各家银行的 ...

Core Viewpoint - CITIC Bank has launched its International Business Smart Online Banking 4.0, enhancing digital financial services for enterprises, particularly in cross-border financial services, to support small and medium-sized enterprises during the pandemic [1][2]. Group 1: Product Features - The new online banking platform offers a comprehensive range of services including global account management, cross-border settlement, investment financing, supply chain management, and foreign exchange trading, covering over 100 products in both domestic and foreign currency [1][2]. - The "Cross-Border Cash Management Comprehensive Service Plan" enables Chinese enterprises to manage global account information visually, facilitating quick cross-border fund transfers and small payments [2]. - "Cross-Border Capital Treasure" provides digital services for capital project foreign exchange income and payments, streamlining processes and creating a "green channel" for clients [2]. - The platform offers personalized foreign exchange management solutions and self-service online trading for foreign exchange derivatives, enhancing the timeliness and accuracy of foreign exchange management [2]. Group 2: Customer Experience - The Smart Online Banking features tailored services for different customer segments, providing various versions such as standard and international business versions to enhance personalized service [3]. - It includes flexible foreign exchange services, with intelligent generation of remittance applications and real-time tracking of remittance progress, ensuring quick fund transfers [3]. - The platform supports multiple mainstream browsers and offers a secure login method, enhancing user experience and accessibility [3]. Group 3: Strategic Direction - CITIC Bank's foreign exchange business is characterized by professionalism, speed, and flexibility, focusing on supporting small and medium-sized export enterprises and leading in cross-border e-commerce [4]. - The bank is committed to digital transformation and has established a blockchain forfaiting trading platform recognized by the central bank as an industry platform [4]. - Future plans include continuous exploration of innovations in financial technology, such as artificial intelligence and big data, to provide advanced cross-border financial services [4].

Core Viewpoint - The Chinese government is implementing various measures to support foreign trade enterprises amid ongoing COVID-19 challenges, including increasing credit support, enhancing export credit insurance, and stabilizing the RMB exchange rate [1][6]. Group 1: Trade and Economic Data - From January to April, China's total import and export value reached 125,799 billion yuan, a year-on-year increase of 7.9%. Exports were 69,674 billion yuan, up 10.3%, while imports were 56,125 billion yuan, up 5.0% [1]. - The proportion of imports and exports by private enterprises increased to 48.5%, up 1.4 percentage points from the same period last year [1]. - Trade with countries along the "Belt and Road" saw a growth of 15.4%, with exports increasing by 12.9% and imports by 18.6% [1]. Group 2: Financial Support Measures - The People's Bank of China and the State Administration of Foreign Exchange are promoting policies to facilitate trade foreign exchange receipts and payments for quality enterprises, enhancing the efficiency of RMB usage [2]. - Financial institutions are encouraged to provide various foreign exchange risk management services, including spot, forward, swap, and options to help enterprises hedge against exchange rate risks [3]. - The Zhejiang Banking and Insurance Regulatory Bureau is urging banks to utilize monetary policy tools to increase credit support for foreign trade enterprises, especially small and micro enterprises [4]. Group 3: Export Credit Insurance - Export credit insurance plays a crucial role in stabilizing the confidence and expectations of foreign trade enterprises, with the People's Bank of China emphasizing its importance [7]. - In 2021, the China Export & Credit Insurance Corporation provided financing guarantees amounting to 2,213.3 billion yuan, a growth of 22.5% [7]. - In the first four months of this year, China Export & Credit Insurance Corporation achieved an insured amount of 284.87 billion USD, a year-on-year increase of 13.7% [9]. Group 4: Innovative Financing Solutions - The China Bank in Zhejiang Province developed specialized products for small and micro foreign trade enterprises, including small-amount, multi-frequency, and quick-disbursement loans [4]. - A tailored financing plan of 10 million USD was successfully implemented for a company facing cash flow issues due to the pandemic, showcasing the effectiveness of the "bank-insurance-enterprise" cooperation model [5]. - The introduction of online financing processes has significantly reduced the time required for loan approvals, enhancing service efficiency for enterprises [3][8].

Core Viewpoint - The release of the "Opinions on Promoting the Development of Personal Pensions" by the State Council marks the beginning of a new phase for personal pension systems in China, with significant interest from banks, fund companies, and individual investors in developing this sector [1]. Group 1: Industry Participation - Multiple fund companies, such as Huaxia Fund, are actively establishing frameworks for personal pension management, with Huaxia Fund having launched 9 pension target funds and 2 more in the sales process, catering to the retirement investment needs of individuals born between the 1970s and 1990s [2]. - Banks are enhancing their pension account services, with CITIC Bank introducing the "Happiness+" pension account, which aggregates various pension assets and provides a comprehensive view of clients' retirement savings [3]. - The involvement of banks and fund companies in personal pension accounts is expected to lead to a substantial potential pension fund scale, providing the market with more long-term stable capital [3]. Group 2: Investor Expectations - The annual contribution limit for personal pensions is set at 12,000 yuan, with tax incentives encouraging participation, which can reduce current personal income tax and help investors accumulate retirement assets over time [4]. - Investors are looking for more diversified and personalized pension products, as current bank savings and stock market options do not adequately meet their retirement investment needs [4]. - The importance of diversified asset allocation in pension investment management is expected to grow, with over 9,000 public funds available in the market to support various pension asset management strategies [4]. Group 3: Expert Recommendations - Experts suggest that there is significant growth potential for the personal pension market in China, emphasizing the need for broader tax incentives to cover low-income groups and enhance participation [6]. - Recommendations include implementing substantial tax benefits and direct subsidies for low-income individuals to expand the coverage of deferred tax pension insurance [7]. - The establishment of independent personal pension accounts is crucial for effective accumulation and management, which will also contribute positively to the capital supply in the real economy [7].