11月5日，由中信银行主办、视觉中国500px摄影社区协办的2024首届"中信银行杯"摄影大赛正式启 动，诚挚邀请摄影爱好者及大众参加，鼓励大家以光影为媒，在描绘京城绝美天际线的同时，挖掘摄影 所蕴含的城市、自然、人文之美。 【纠错】 【责任编辑:杨萌】 三大主题赛道灵感图 此次摄影大赛以北京第一高楼——中信银行总部大楼为摄影基本元素，共设置了"取景古今·秀出天 际""风云之间·温而有度"和"'我'与你超合拍"三大主题赛道。中信银行总部大楼是北京地标性超高建 筑，其设计理念参考了古代礼器"樽"的外形，并融合了古典美学与现代艺术，被誉为"中国当代十大建 筑"之一，为摄影爱好者们提供了更多的灵感来源和创作空间。为鼓励更多摄影爱好者积极参与，本次 大赛共设一等奖1名、二等奖3名、三等奖10名及人气奖20名，获奖者将被主办方签约为"中信银行特约 摄影师"，并有机会受邀参加"走进中信"活动。 本次摄影大赛征稿期将持续至2024年12月5日。快拿出手中的摄像器材，与中信银行一同捕捉古今 交融的壮丽景象，展现自然与建筑的和谐之美，点燃心中创作的热情，成为这场视觉盛宴的掌镜人，点 燃无尽的灵感火花，勾勒出生活的无限可能。 ...

"科技成果转化"是科技创新与产业结合的源头起点和内生动力，是科技创新的"最后一公里"。近年 来，国家高度重视科技成果转化工作，出台各项政策加速解决科技成果转化和技术转移工作中的难点、 痛点和堵点。 党的二十届三中全会进一步对深化科技体制改革、强化企业科技创新主体地位等进行了全方位的系 统阐述。《中共中央关于进一步全面深化改革 推进中国式现代化的决定》中要求"深化科技成果转化机 制改革，加强国家技术转移体系建设"，提出了"构建同科技创新相适应的科技金融体制，加强对国家重 大科技任务和科技型中小企业的金融支持"的工作要求。 以技术驱动的科技企业具有典型的"J曲线效应"，从概念验证到中试阶段，再到产业化、规模化是 企业发展上升通道的关键转折，也是当前资金支持最为薄弱的环节。中信银行坚定落实党中央决策部 署，将服务链条向"更早、更小、更硬"企业延伸，形成了特色打法。 紧扣国家政策导向 促动科技成果向新质生产力转化 "差异化"：该产品与该行现有的投贷联动、科创e贷形成产品差异化布局，为该行覆盖全生命周期 的科创金融产品服务体系再添一款"大单品"。由于目前同业机构均未在科技成果转化领域出台相应的贷 款产品，因此该产品在调 ...

2024年，在内地银行设立金融科技子公司"减速"之后，境外银行设立金融科技子公司、内地银行在 境外设立金融科技子公司又有兴起之势。 近日，中信银行（国际）有限公司、华侨银行集团均已在深圳设立金融科技子公司，分别为信银数智 （深圳）信息技术有限公司（以下简称"信银数智"）、华侨金信商业服务（深圳）有限公司（以下简 称"华侨金信"）。据记者统计，自2015年兴业银行控股子公司兴业数字金融服务（上海）股份有限公司 开设以来，已有27家境内外银行设立金融科技子公司，包括五大行、多家股份制银行、城商行、农商 行、农信社。 纷纷布局 田利辉分析称，银行设立金融科技子公司是时代发展的必然选择。首先，数字化转型的浪潮下，银行需 要加大对金融科技从技术、人才到研发的全面投入。其次，在传统银行现有的内部格局下，实现科技引 领业务发展较为困难，而成立金融科技子公司可以按照科技公司来管理，减少银行原有管理体系和监管 约束的影响，促进金融科技的发展。此外，通过金融科技子公司，银行能够更加灵活地探索金融科技的 应用，推进自身的数字化转型，并且可以通过这种方式对外进行技术输出，提升数字信息技术的应用水 平。 仍面临挑战 银行金融科技子公司 ...

● 本报记者 连润 今年5月，中国人民银行、中国证监会联合发布关于支持发行科技创新债券有关事宜的公告。公告发布 后，科技创新债市场快速扩容，发行只数、发行规模较去年同期激增，政策落地效果显著。 民企发债规模有所增加 在推进债券市场"科技板"建设过程中，科技创新债从发行主体结构、发行期限、发行利率等方面，呈现 出新的特点。 从发行主体结构看，科技创新债的发行主体虽仍以国有企业为主，但民营企业发行科技创新债的数量与 规模正在逐渐增多。数据显示，在684只科技创新债中，中央企业发行197只、地方国企发行360只、民 营企业发行94只、外资企业发行1只，其他的科技创新债均为公众企业、集体企业等发行。其中，民营 企业科技创新债发行规模为842.40亿元；（下转A02版） （上接A01版）在去年同期，民营企业发行41只科创债（包含科创票据），规模为306.88亿元。 公告发布以来，科技创新债发行量同比激增，政策效应在数据上得以体现。Wind数据显示，截至8月11 日，全市场自5月7日公告发布以来已累计成功发行科技创新债684只，发行规模高达8806亿元。去年同 期，新发科创债（包含科创票据）数量为326只、发行规模为32 ...

Core Insights - The report highlights the performance of non-listed life insurance companies in terms of investment returns for the first half of 2025, indicating a positive trend in investment yields across the sector [1][6]. Investment Returns - A total of 59 non-listed life insurance companies reported their investment returns, with 6 companies achieving an investment yield exceeding 3% [2][5]. - The top performers in terms of investment yield include: - Junlong Life Insurance Co., Ltd. at 4.67% - Beijing Life Insurance Co., Ltd. at 3.65% - Lian Life Insurance Co., Ltd. at 3.22% [2][3]. - In terms of comprehensive investment returns, 12 companies surpassed a 3% yield, with Changcheng Life Insurance leading at 6.82% [4][5]. Trends in Investment Strategy - The insurance sector is adapting to new accounting standards and regulatory frameworks, which are influencing investment decisions [7][9]. - There is a noticeable shift towards long-term asset allocation, with a preference for high-rated bonds and equity investments, particularly in the banking sector [7][8]. - The number of equity stakes taken by insurance companies has increased significantly, with 22 announcements made by 11 companies by August 8, 2025, surpassing the total for the entire previous year [7][8]. Regulatory Environment - Recent policies aim to support long-term investments, including increasing the proportion of equity investments by insurance companies [9][10]. - The industry has seen a reduction in the preset interest rates for insurance products, which is expected to alleviate pressure on bond allocations [9][10]. Future Outlook - The ability to match assets and liabilities is becoming crucial for insurance companies to navigate interest rate fluctuations and ensure sustainable growth [10].

Group 1 - The core viewpoint of the articles emphasizes the proactive measures taken by China CITIC Bank's Beijing branch to enhance public awareness and capability in preventing counterfeit currency through various community outreach activities [1][4]. Group 2 - China CITIC Bank's Beijing branch integrates counterfeit currency education into daily operations, with staff providing cash knowledge to customers during business transactions, reflecting a strong sense of responsibility [2]. - The bank collaborates with local hospitals to conduct educational events, informing the public about the dangers of counterfeit money and enhancing the identification skills of medical staff and patients [3]. - The bank's outreach extends to enterprises, where staff act as professional instructors, teaching employees about the anti-counterfeiting features of the current currency, fostering an interactive learning environment [3]. Group 3 - Community engagement is a key focus, with targeted educational activities for vulnerable groups such as the elderly and students, aimed at improving financial safety and trust in financial institutions [4]. - The bank also reaches out to military families, using historical narratives related to currency to deepen their understanding and connection to financial knowledge, thereby reinforcing community ties [4]. - Overall, these initiatives not only provide practical financial knowledge but also contribute to building a secure and harmonious community environment [4].

Core Viewpoint - The article highlights the efforts of CITIC Bank's Guiyang branch in promoting financial services that support the development of various sectors in Guizhou, focusing on technology, green finance, inclusive finance, pension finance, and digital finance as part of the "Five Major Articles" strategy to foster economic growth and improve living standards in the region [1][10]. Group 1: Technology Finance - CITIC Bank's Guiyang branch has provided 1.884 billion yuan in technology finance loans to 72 enterprises in sectors such as big data, renewable energy, and biotechnology by June 2025 [2]. - The "Science and Technology e-loan" product has been introduced to support "specialized, refined, distinctive, and innovative" enterprises, facilitating their financing needs [2]. - A comprehensive service plan for employee stock ownership prior to IPO has been implemented, providing 16.49 million yuan in financing for a local tech company [2]. Group 2: Green Finance - The bank has established a green credit balance of 2.217 billion yuan by the end of 2024, supporting the ecological civilization construction in Guizhou [3]. - Innovative models combining green finance, ecological agriculture, and rural revitalization have been developed, exemplified by a 20 million yuan credit loan to a national agricultural enterprise [3]. Group 3: Inclusive Finance - CITIC Bank is addressing the financing challenges faced by small and micro enterprises through products like "Distribution e-loan," which reduces financing burdens by 30%-50% for distributors [4][5]. - The bank's inclusive finance loans have reached nearly 1.5 billion yuan by the end of 2024, significantly benefiting small business owners and enhancing local economic activity [5]. Group 4: Pension Finance - The bank has launched comprehensive pension financial services, including pension planning and community integration for the elderly, enhancing the quality of life for senior citizens [6]. - The establishment of a cloud service platform for elderly education has facilitated access to learning resources for seniors [6][7]. Group 5: Digital Finance - CITIC Bank is advancing its digital transformation strategy, focusing on management, operational efficiency, and service innovation [8]. - The bank has developed a digital financial service system that integrates technology, scene innovation, and ecological collaboration, enhancing supply chain financing in the liquor industry [8][9].

Core Viewpoint - The new policy for technology innovation bonds (科创债) has led to a significant increase in issuance, with a total of 883.16 billion yuan in new bonds over the past three months, indicating a strong market response to regulatory support [1][2]. Group 1: Issuance Scale and Participants - The total issuance scale of technology innovation bonds reached 883.16 billion yuan, with financial institutions accounting for nearly 36% of this amount [1][2]. - Among the financial institutions, banks led the issuance with 230.3 billion yuan, followed by 38 securities companies that collectively issued 54.1 billion yuan [2]. - The participation of small and medium-sized institutions and private enterprises has increased, with various smaller banks and private equity firms also issuing technology innovation bonds [2]. Group 2: Characteristics of New Bonds - The average coupon rate for newly issued technology innovation bonds was 1.9282%, which is notably low compared to other credit bonds of similar ratings [3]. - A significant portion of the new bonds has a maturity of over three years, with 76.23% of the total issuance (673.22 billion yuan) falling into this category [3]. - The majority of the issuers are central and local state-owned enterprises, with 203 bonds issued by central state-owned enterprises and 369 by local state-owned enterprises [3].

Core Viewpoint - The forum held by CITIC Bank and Huazhu Group focuses on revitalizing state-owned assets and exploring new cooperation opportunities in the context of financial empowerment and brand enhancement [1][2]. Group 1: Forum Overview - The forum titled "Financial Empowerment and Brand Enhancement" was attended by over 200 participants, including key figures from CITIC Bank, Huazhu Group, and local government [1]. - Keynote speeches were delivered by Huazhu Group CEO Jin Hui and CITIC Bank Zhengzhou Branch President Luo Dongwei, emphasizing the importance of activating dormant assets and enhancing brand value [1][2]. Group 2: Financial Solutions and Strategies - CITIC Bank aims to provide comprehensive financial solutions for revitalizing state-owned properties, covering the entire lifecycle from asset acquisition to operational management and industrial transformation [1]. - The bank's "financing + asset management + intelligence" model is designed to support the revitalization of existing assets in the tourism and cultural sectors [1]. Group 3: Industry Insights and Future Outlook - Jin Hui discussed the transformation and development trends in the hotel industry driven by current policies, highlighting the potential for state-owned "dormant assets" to generate new economic value [2]. - The forum included a roundtable discussion featuring leaders from various sectors, focusing on how to leverage financial support and brand empowerment to unlock the potential of state-owned assets [2]. Group 4: Commitment to Economic Development - The successful hosting of the forum reflects CITIC Bank's commitment to exploring new paths for state-owned asset transformation and building a new ecosystem for industrial-financial cooperation [2]. - CITIC Bank Zhengzhou Branch plans to continue deepening collaborations and innovating financial products and services to contribute to the prosperity of the Henan tourism industry and high-quality economic development [2].

Core Points - China CITIC Bank (601998) announced on August 8 that the National Financial Regulatory Administration has approved Jin Xinian to serve as the bank's vice president, effective from August 4, 2025 [1] Group 1 - The approval of Jin Xinian's appointment signifies a strategic move for the bank as it prepares for future leadership [1] - The regulatory approval document number is Jin Fu [2025] No. 469, indicating formal recognition by the authorities [1]