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].

Core Viewpoint - Financial management departments have implemented measures to support pandemic control and the recovery of the real economy, with a focus on increasing financial resources for key sectors such as infrastructure and technology innovation [1][2]. Group 1: Financial Support Measures - The People's Bank of China reported that in May, the social financing scale increased by 2.79 trillion yuan, a year-on-year increase of 839.9 billion yuan, and a month-on-month increase of approximately 1.88 trillion yuan [2]. - In May, new RMB loans increased by 1.89 trillion yuan, a year-on-year increase of 392 billion yuan, with the cumulative new loan scale exceeding the same period last year [2]. - Banks are setting clear credit growth targets and increasing the assessment of new credit investments, particularly in key areas [2]. Group 2: Financing Channels - The efficiency of financing through stock and bond markets has improved, with 126 IPOs raising a total of 272.38 billion yuan in the first five months of the year [3]. - Corporate bond financing reached 1.68 trillion yuan, and government bond financing reached 3.03 trillion yuan, both showing significant year-on-year increases [3]. - Banks are providing financing support to individual businesses and non-legal entities, with lower costs associated with bond issuance [3]. Group 3: Focus on Key Areas - Financial institutions are increasing support for infrastructure and technology innovation, with a focus on water conservancy projects and major engineering initiatives [4][5]. - The National Development Bank has extended loan terms for major water conservancy projects, with maximum loan terms reaching 45 years [5]. - The bond market has introduced various products to support technology innovation, with over 30 technology innovation bonds issued, raising more than 20 billion yuan [5][6].

Core Viewpoint - The People's Bank of China has issued a notice to support cross-border RMB settlement for new foreign trade business models, aiming to enhance financial services for the development of these new business forms [1][5]. Group 1: Support for Cross-Border Settlement - The notice aims to facilitate better financial services for cross-border e-commerce, market procurement, offshore trade, and overseas warehouses, which have seen significant growth in recent years [1][2]. - In the first four months of this year, the scale of cross-border RMB payments for goods trade reached 2.2 trillion yuan, a year-on-year increase of 26%, accounting for 16% of total cross-border payments in goods trade [3]. - The China Export & Credit Insurance Corporation has supported new foreign trade business models with a total underwriting amount of 88.9 billion USD this year, indicating strong demand for risk coverage in the current international environment [10][11]. Group 2: Financial Institutions' Role - Financial institutions are encouraged to collaborate and provide convenient financial services to foreign trade enterprises with real transaction backgrounds, as outlined in the government's opinions [7][12]. - Agricultural Bank of China has actively promoted foreign exchange derivative transactions to help companies manage exchange rate risks, successfully facilitating a 200 million yuan forward foreign exchange transaction for a local fruit import company [2]. - China Merchants Bank has reported a 24% year-on-year increase in international trade settlement services and a 44% increase in import and export trade financing in the first four months of this year [7]. Group 3: Innovative Financial Products - Construction Bank has developed a dedicated product for cross-border e-commerce, allowing companies to efficiently manage their overseas sales funds [9]. - Xinyu Group has benefited from innovative financing solutions provided by banks, ensuring smooth capital turnover for its overseas subsidiaries amid challenges in accessing traditional financing channels [8]. - The introduction of various financial products aims to reduce costs and improve efficiency for cross-border enterprises, helping them expand revenue streams [4][9].

Core Insights - The ongoing COVID-19 pandemic has significantly impacted physical enterprises, prompting financial institutions to enhance support for the real economy through targeted financial tools and measures [1] - Supply chain finance is increasingly recognized by entities as essential for maintaining the stability of the industrial chain, with banks actively collaborating with businesses to facilitate financing [2] Financial Institutions' Initiatives - China CITIC Bank has accelerated online product innovation, providing 495 billion yuan in supply chain financing to 20,000 enterprises in the first five months of the year, marking a 53% increase in customer numbers and a 46% increase in financing volume year-on-year [2] - Bank of China has optimized its "Zhongyin Zhilian" supply chain finance service system, offering over 1.8 trillion yuan in liquidity support and more than 960 billion yuan in trade and bill financing to core and upstream/downstream enterprises [3] - Agricultural Bank of China has developed financing products like "Receivable e-loan" and "Order e-loan" to support the dairy industry, providing 30.8 billion yuan across 40,705 financing transactions to agricultural enterprises [5] Collaboration and Innovation - Tianjin Rural Commercial Bank has established 24 demonstration banks to enhance financial services for key industrial chains, disbursing 2.65 billion yuan to 303 enterprises by the end of the first quarter [6] - Minsheng Bank has made significant progress in supply chain data financing projects, reducing the time from application to loan disbursement from two months to two hours for small and micro enterprises [7] Risk Management and Technology - Experts emphasize the need for comprehensive risk prevention across the entire supply chain, advocating for the use of big data and cloud computing to enhance credit information availability for small and micro enterprises [8] - The development of supply chain finance requires collaborative efforts from local governments, regulatory bodies, and financial institutions to create a conducive environment for innovation and support [9][10] Future Directions - Financial institutions are encouraged to leverage fintech innovations to provide tailored financing solutions for core enterprises, thereby alleviating the financial burden on upstream and downstream businesses [11]

活动当天，区社工委、民政局及安贞街道领导出席启动仪式。本次"社区邻里节"不仅安排有"粉黛乱子草"主题游园会、由职业童模、安贞街道居民组成 的模特队奉献的时装秀，还特别对防疫优秀志愿者进行表彰。正值"金融知识普及月 金融知识进万家 争做理性投资者 争做金融好网民"联合教育宣传活动期 间，中信银行北京安华桥支行按照分行统一部署，坚持党建引领，全员出动、以上率下，除为志愿者送上防疫关爱物资，更结合本次活动中参与主体多元、 年龄层次丰富等特点，通过案例宣讲、知识问答、情景模拟等方式，向老年人宣传防范电信网络诈骗、警惕保本高收益陷阱并赠送我行与中国老领协会共同 编著的《老年金融知识读本》；向商铺门店店长传递正确借贷观念、理性维护合法权益；与小朋友及其家长开展金融知识问答互动游戏，在寓教于乐中学习 金融知识、提升财商能力。 9月16日，安贞街道作为北京市朝阳区"社区邻里节"分会场，在坚持做好疫情常态化防控的背景下，在安贞社区社区公园、安贞华联广场举办朝阳区第 四届"社区邻里节"活动。中信银行北京安华桥支行作为街道内唯一受邀企业积极参加并开展金融知识教育宣传，引导广大居民树立金融风险意识。 中信银行北京分行将以本次活动为契 ...

Core Viewpoint - Recently, Citic Bank signed strategic cooperation agreements with ten real estate companies, aiming to provide comprehensive financial services and support reasonable financing needs in the real estate sector [1] Group 1: Strategic Cooperation - Citic Bank has entered into "total-to-total" strategic cooperation agreements with ten real estate enterprises, including China Overseas Land & Investment, China Merchants Shekou, and Country Garden [1] - The cooperation will leverage Citic Group's resources to offer services such as real estate development loans, acquisition loans, bond underwriting and investment, and pre-sale fund supervision guarantees [1] Group 2: Policy Alignment - The signing of these agreements is seen as a step to implement the central government's policies, emphasizing that housing is for living, not speculation [1] - The parties involved aim to promote the stable and healthy development of the real estate market and protect the legitimate rights of housing consumers [1] Group 3: Economic Support - Citic Bank is actively supporting the national strategy to stabilize the economy, focusing on ensuring housing delivery and maintaining people's livelihoods [1] - The bank is committed to meeting the reasonable financing needs of real estate companies, particularly private enterprises, in line with the requirements set by the People's Bank of China and the China Banking and Insurance Regulatory Commission [1]