Core Insights - The recent approval of three financial asset investment companies (AICs) marks the establishment of the first batch of national joint-stock bank AICs in China, expanding the total number of bank-affiliated AICs to nine [1][2] Group 1: AIC Establishment and Function - The newly approved AICs include Xinyin Financial Asset Investment Co., Xinyin Financial Asset Investment Co., and Zhaoyin Financial Asset Investment Co., with registered capitals of 150 billion yuan and 100 billion yuan respectively [1] - AICs were initially designed for market-oriented debt-to-equity swaps, serving as a "risk isolation wall" and "asset restructuring expert" within the banking system, aimed at reducing corporate leverage and mitigating financial risks [1][3] - The role of AICs has evolved to become a major player in equity investment, particularly following recent policy expansions that have increased their investment scope and intensity [1] Group 2: Comparison Between AICs - The newly established AICs share common features with state-owned bank AICs, including core functions, regulatory frameworks, policy guidance, and operational models [2] - Differences exist in shareholder backgrounds, resource endowments, capital scales, and regional layouts, with state-owned AICs benefiting from larger asset scales and nationwide networks, focusing on large state-owned enterprises [2] - In contrast, joint-stock bank AICs have a slightly lower capital scale and are more concentrated in their initial focus, primarily serving private and innovative small and medium-sized enterprises [2] Group 3: Impact on the Economy - The entry of AICs is expected to significantly promote enterprise transformation and high-quality development by alleviating corporate debt burdens through debt-to-equity swaps, thereby facilitating technological research and product innovation [3] - AICs are positioned to support specialized and innovative enterprises, as well as technology-driven small and medium-sized enterprises, while also restructuring and revitalizing companies in debt distress through market-oriented and legal means [3]

Core Points - The board of directors of CITIC Bank has approved the appointment of Mr. Jin Xinian as the Chief Risk Officer, effective from December 2, 2025, following the approval of his qualifications by the National Financial Regulatory Administration [1][3] - The approval notice from the National Financial Regulatory Administration regarding Mr. Jin's qualifications was received by CITIC Bank, confirming his role as Chief Risk Officer [1][2] Summary by Sections - **Appointment Details** - Mr. Jin Xinian was appointed as the Chief Risk Officer during the board meeting held on September 28, 2025 [1] - His official start date is December 2, 2025, after receiving regulatory approval [1] - **Regulatory Approval** - The National Financial Regulatory Administration has issued a formal approval for Mr. Jin's qualifications as Chief Risk Officer [1] - The approval document is referenced as Jin Fu [2025] No. 686 [1] - **Disclosure Information** - Additional information regarding Mr. Jin's resume and other legally required disclosures can be found on the Shanghai Stock Exchange website and CITIC Bank's official website [1]

Core Viewpoint - CITIC Bank has appointed Jin Xinian as the new Chief Risk Officer, following the approval of his qualifications by the National Financial Regulatory Administration [1] Group 1 - CITIC Bank's board meeting on September 28, 2025, approved the appointment of Jin Xinian as Chief Risk Officer [1] - The National Financial Regulatory Administration has granted approval for Jin Xinian's qualifications as Chief Risk Officer [1] - Jin Xinian officially assumes the role of Chief Risk Officer at CITIC Bank starting December 2, 2025 [1]

来源：新浪基金∞工作室 12月3日，港股高股息ETF（159302）收盘跌0.66%，成交额1936.00万元。 港股高股息ETF（159302）成立于2024年8月23日，基金全称为银华中证港股通高股息投资交易型开放 式指数证券投资基金，基金简称为港股高股息ETF。该基金管理费率每年0.50%，托管费率每年0.10%。 港股高股息ETF（159302）业绩比较基准为中证港股通高股息投资指数收益率(经估值汇率调整)。 规模方面，截止12月2日，港股高股息ETF（159302）最新份额为9579.76万份，最新规模为1.30亿元。 回顾2024年12月31日，港股高股息ETF（159302）份额为1.09亿份，规模为1.21亿元。即该基金今年以 来份额减少11.95%，规模增加7.95%。 流动性方面，截止12月3日，港股高股息ETF（159302）近20个交易日累计成交金额3.54亿元，日均成 交金额1770.87万元；今年以来，223个交易日，累计成交金额29.14亿元，日均成交金额1306.93万元。 港股高股息ETF（159302）现任基金经理为张亦驰。张亦驰自2024年8月23日管理（或拟管理）该基 ...

Core Points - CITIC Bank has received approval from the National Financial Supervision Administration for Jin Xinian's appointment as Chief Risk Officer [1] - Jin Xinian officially assumes the role of Chief Risk Officer starting from December 2, 2025 [1]

中信银行股份有限公司 关于风险总监任职资格获核准的公告 证券代码：601998 证券简称：中信银行 公告编号：临2025-082 特此公告。 中信银行股份有限公司董事会 2025 年 12 月 3 日 近日，本行收到《国家金融监督管理总局关于金喜年中信银行风险总监任职 资格的批复》（金复﹝2025﹞686号），国家金融监督管理总局已核准金喜年先 生本行风险总监的任职资格。金喜年先生自2025年12月2日起正式就任本行风险 总监。 金喜年先生的简历及其他根据有关法律法规须予披露的信息请见本行于 2025年9月29日刊载于上海证券交易所网站（www.sse.com.cn）和本行网站 （www.citicbank.com）的《中信银行股份有限公司董事会会议决议公告》。 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或 者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 中信银行股份有限公司（以下简称本行）于2025年9月28日召开董事会会议， 同意聘任金喜年先生为本行风险总监，自监管机构核准其风险总监任职资格之日 起正式就任。 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其 準確性或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容 而產生或因倚賴該等內容而引致之任何損失承擔任何責任。 中國‧北京 2025年12月3日 於本公告日期，本行執行董事為方合英先生（董事長）、蘆葦先生（行長）及胡罡先生；非 執行董事為魏強先生、王彥康先生及付亞民先生；及獨立非執行董事為廖子彬先生、周 伯文先生、王化成先生及宋芳秀女士。 公告 風險總監任職資格獲核准 中信銀行股份有限公司（「本行」）於2025年9月28日召開董事會會議，同意聘任金喜年先生 為本行風險總監，自監管機構核准其風險總監任職資格之日起正式就任。 近日，本行收到《國家金融監督管理總局關於金喜年中信銀行風險總監任職資格的批 覆》（金覆[2025]686號），國家金融監督管理總局已核准金喜年先生本行風險總監的任職資 格。金喜年先生自2025年12月2日起正式就任本行風險總監。 金喜年先生的簡歷及其他根據有關法律法規須予披露的信息請見本行於2025年9月28日刊 載於香港聯合交易所有限公司網站(www.hkexnews.hk)和本行網站(www ...

Group 1 - The core point of the article is that China CITIC Bank has obtained a patent for a method and device related to pressure testing, indicating its focus on innovation and technology development [1] - The patent was granted with the announcement number CN 114218055 B, and the application date was December 2021 [1] - China CITIC Bank was established in 1987 and is headquartered in Beijing, primarily engaged in monetary financial services [1] Group 2 - The registered capital of China CITIC Bank is approximately 48.93 billion RMB [1] - The bank has made investments in 77 companies and participated in 5,000 bidding projects [1] - The bank holds 185 trademark registrations and 1,605 patent registrations, along with 156 administrative licenses [1]

Core Viewpoint - The rise of illegal loan intermediaries has prompted multiple banks to issue warnings to customers about potential risks associated with these entities, as they falsely claim to represent legitimate banking institutions [1][5][7]. Summary by Sections Illegal Loan Intermediaries - Numerous banks, including Citic Bank and Baoding Bank, have reported incidents of fraud where individuals impersonate bank employees to promote loan products, leading to public warnings [6][7]. - The prevalence of these scams has forced banks to clarify that they do not collaborate with any loan intermediaries [7]. Reasons for the Proliferation of Illegal Intermediaries - The current economic environment has led to a shortage of effective financing demand, making it difficult for banks to extend credit, which in turn drives some bank staff to seek customers through intermediaries [7]. - There is a significant information asymmetry in the financial sector, with consumers often lacking knowledge about financial products and services, making them vulnerable to scams [8]. - The covert nature of many loan intermediary operations complicates regulatory enforcement, and there are gaps in the regulatory framework regarding the classification and oversight of these entities [8]. Risks Associated with Loan Intermediaries - Illegal loan intermediaries often charge exorbitant service fees and may engage in deceptive practices, including false advertising and the unauthorized sharing of personal information [10]. - Some platforms misrepresent their loan products, advertising low interest rates while imposing hidden fees that exceed regulatory limits [10]. - The emergence of unlicensed intermediaries has led to issues such as aggressive debt collection practices and high-interest traps [10]. Regulatory Response and New Guidelines - The implementation of new regulations in October 2025 aims to strengthen the management of internet loan services by requiring financial institutions to maintain a list of approved partners [11][12]. - As of late October, 120 financial institutions have disclosed their approved loan service partners, with many regional banks significantly reducing their number of collaborations [13]. - The new regulations are expected to challenge banks, particularly smaller ones reliant on loan intermediaries, but also present an opportunity for them to refocus on core banking activities and improve operational quality [14]. Future of the Loan Intermediary Market - The competition in the loan intermediary market is anticipated to shift from a focus on volume and scale to a greater emphasis on risk management, financial technology capabilities, and customer relationship management [14]. - Banks are encouraged to enhance their internal management systems and ensure compliance with new regulations, particularly regarding transparent fee structures and risk assessment processes [14].

Core Viewpoint - The article highlights the increasing activity of illegal loan intermediaries as the year-end approaches, prompting banks to issue warnings to customers about potential risks associated with these intermediaries [1][2][5]. Group 1: Illegal Loan Intermediaries - Numerous banks, including Citic Bank and Baoding Bank, have issued announcements stating they do not collaborate with loan intermediaries, as these intermediaries falsely claim to represent the banks to promote loan products [5][6]. - The rise of illegal loan intermediaries is attributed to several factors, including insufficient effective financing demand, information asymmetry in financial products, and the covert nature of many intermediary operations [6][7]. Group 2: Risks Associated with Loan Intermediaries - Users are exposed to risks such as high service fees, false advertising, and personal information leakage when dealing with illegal loan intermediaries or non-compliant lending platforms [7][8]. - The article mentions that some platforms engage in deceptive practices, advertising low interest rates while charging annualized rates that exceed regulatory limits, and may even disappear after collecting fees [7][8]. Group 3: Regulatory Response and New Guidelines - The implementation of new regulations in October 2025 aims to strengthen the management of internet lending services by requiring financial institutions to maintain a list of approved partners for loan facilitation [8][9]. - Following the new regulations, 120 financial institutions have disclosed their lists of approved lending partners, significantly reducing the number of collaborating institutions for many banks [9][10]. Group 4: Future Implications for Banks - The new regulations are expected to create significant operational adjustments for banks, particularly smaller ones that heavily rely on intermediary services, pushing them to focus on core business and improve risk management capabilities [9][10]. - Banks are encouraged to enhance their internal management systems, ensure compliance with new regulations, and improve transparency in fees and loan terms to protect consumers [10][11].