为进一步贯彻落实人民银行关于持续优化现金支付环境建设、拒收人民币专项整治工作的要求，进一步优化人民币现金支付服务，提升现金支付便利性， 满足老年人、外籍来华人员等群众多样化现金服务需求，中信银行成都迎宾大道支行秉持用心服务的理念，多措并举打好厅堂内外"组合拳"，掀起"小小 零钱包，服务大作为"的热潮，切实提升人民群众对现金服务的幸福感和满意度。 做好阵地宣传，提升厅堂活动质效。该行使用统一封装袋制成价值100元、200元、500元、1000元的四种标准化"零钱包"，每份均由20元、10元、5元、1 元面额零钱组成。同时，在营业厅堂设置"零钱包"专窗，客户可通过绿色通道优先办理现金兑换业务，极大提高了零钱兑换效率，也提升了客户的服务体 验。 落实网点责任，做好网格管理工作。该行成立"零钱包"宣传小分队，以营业厅方圆500米为基本服务半径创建网格责任区，在重点用现区域通过入户走访 商户形式，开展整治拒收人民币及"零钱包"宣传，摸清各类主体对现金服务的需求，有针对性开展相关服务。同时，通过发放宣传资料积极向周边居民宣 传不拒收现金、反假货币等金融知识，详细介绍"零钱包"的功能和优势，热情解答现场市民疑问，了解支付需 ...

在全球经济深度融合的当下，中国作为世界第二大经济体，正以坚定不移的决心和前所未有的力度，稳慎有序、步步坚实地推进人民币国际化进程，构建 全方位高水平开放新格局的核心战略支撑。 截至2024年末，中信银行跨境人民币收付汇量高达15399.8亿元，较上年同比增长24.1%，增速超出全国跨境人民币平均水平1.6个百分点，彰显出强劲的 增长势头。其中，经常项下整体收付汇量达到4898.9亿元，资本项下整体收付汇量更是突破万亿大关，达到10500.9亿元，服务跨境人民币对公客户数量超 过一万户，构建起庞大的跨境人民币服务网络。 在跨境人民币贸易结算领域，中信银行同样表现出色，收付金额达4374.1亿元，同比增速11.1%，持续保持稳健增长。同时，跨境人民币贷款余额达到 385.4亿元，同比增长194%，为上百户企业提供了全方位的跨境人民币综合融资服务，有效满足了国内企业"走出去"的融资需求，助力企业拓展国际市 场，提升国际竞争力。 这些数字的背后，彰显了中信银行在跨境金融领域的深厚积淀与卓越能力，更体现了其作为银行金融机构在人民币国际化进程中的使命担当与责任情怀。 中信银行，作为中国涉足国内外金融市场融资的商业银行的" ...

声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 来源：市场资讯 国家知识产权局信息显示，中信银行股份有限公司取得一项名为"多人在线编辑代码的方法、装置、设 备及可读存储介质"的专利，授权公告号CN114564187B，申请日期为2022年3月。 天眼查资料显示，中信银行股份有限公司，成立于1987年，位于北京市，是一家以从事货币金融服务为 主的企业。企业注册资本4893479.6573万人民币。通过天眼查大数据分析，中信银行股份有限公司共对 外投资了77家企业，参与招投标项目5000次，财产线索方面有商标信息185条，专利信息1601条，此外 企业还拥有行政许可156个。 ...

Core Viewpoint - The article emphasizes the importance of foreign trade as a key hub connecting domestic and international dual circulation, highlighting the need for stability in foreign trade and investment to counter external uncertainties and build a new development pattern [1] Group 1: Challenges Faced by Foreign Trade Enterprises - Foreign trade enterprises are experiencing structural pain points such as increased exchange rate volatility, high financing costs, and limited settlement efficiency due to global supply chain adjustments and rising trade protectionism [1][2] - The long international trade transaction cycles and exchange rate fluctuations can significantly impact the profitability of enterprises, leading to potential financial losses [1] Group 2: Support from CITIC Bank - CITIC Bank is actively responding to the national strategy for stabilizing foreign trade by enhancing financing support for foreign trade enterprises, ensuring that credit limits match the actual needs of international trade [2][3] - The bank is leveraging policy advantages and product features to reduce financing costs for enterprises, allowing them to compete more effectively in international markets [2] Group 3: Services for Small and Micro Enterprises - CITIC Bank is focusing on small and micro foreign trade enterprises by providing standardized, automated, and specialized trade financing services to meet their diverse financing needs [3] - The bank encourages branches to create differentiated and innovative trade financing products tailored to the specific characteristics of local foreign trade environments [3] Group 4: Innovative Financial Services - The "Cross-Border Instant Transfer" service addresses the challenges of cross-border settlement, enhancing the efficiency of fund turnover for enterprises engaged in international trade [4] - The "Cross-Border Hundred Guarantee Box" service offers comprehensive foreign-related guarantee services, facilitating financing for enterprises and addressing their capital needs [5] Group 5: Digital Financial Solutions - The "Cross-Border Flash Loan" product is designed to meet the financing challenges faced by small and micro foreign trade enterprises, streamlining the loan application process and significantly reducing time costs [6] - The bank's innovative approach has resulted in successful financing cases, demonstrating the effectiveness of its digital financial solutions [6] Group 6: Comprehensive Service System - CITIC Bank collaborates with government and industry organizations to provide comprehensive services to foreign trade enterprises, enhancing their understanding of national policies and market dynamics [8] - The bank has partnered with leading industry players to create benchmarks in service quality, leveraging shared expertise to support foreign trade enterprises [9] Group 7: Insurance and Risk Management - CITIC Bank has established a comprehensive insurance financing system in collaboration with China Export & Credit Insurance Corporation, providing robust financial support for enterprises venturing abroad [10] - The bank's innovative offshore syndicate financing model and risk management strategies effectively address the financing and exchange rate risks faced by enterprises [11] Group 8: Future Outlook - CITIC Bank aims to evolve from a "guardian" to a "navigator" in the foreign trade sector, focusing on innovation and technology to enhance its service offerings and support high-quality development for foreign trade enterprises [12][14] - The bank has achieved significant milestones in cross-border e-commerce services, continuously expanding its product offerings to meet the evolving needs of the market [13][14]

Core Viewpoint - In order to better meet the investment needs of investors, Invesco Great Wall Fund Management Co., Ltd. has signed a sales agreement with CITIC Bank to add CITIC Bank as a sales institution for certain funds starting from December 2, 2025 [1][2]. Group 1: Fund Sales Information - CITIC Bank will start selling certain funds managed by Invesco Great Wall Fund Management Co., Ltd. from December 2, 2025 [1]. - The specific business processes, opening conditions, handling times, methods, and fee discount situations will be determined by CITIC Bank [1]. - The announcement includes details about the applicable funds and the sales institution's information, including its registered address and contact details [1]. Group 2: Business Operations - The subscription and redemption services are only applicable during normal subscription periods and specific open days and times for the funds [2]. - Investors can apply for regular investment plans through CITIC Bank, which will automatically complete the deduction and fund subscription on the agreed date [2]. - If CITIC Bank opens conversion services for the funds, investors must ensure that the funds are in a redeemable state before proceeding with the conversion [2]. Group 3: Fund Manager Assistant Appointments - The company has appointed Mr. Sheng Haojie as the assistant fund manager for several bond funds and Mr. Cai Wencheng for a technology innovation bond ETF [4][7]. - Mr. Sheng has 9 years of experience in the securities and fund industry, while Mr. Cai has 4 years of experience [7]. Group 4: Market Risk Warning - The Invesco Great Wall Nasdaq Technology Index ETF has been trading at a significant premium over its reference net asset value, prompting a warning to investors about the risks of blind investment [8]. - The fund will be suspended from trading on December 2, 2025, until 10:30 AM, and may extend the suspension if the premium does not decrease [8].

Core Viewpoint - Several banks, including China Construction Bank, Minsheng Bank, Postal Savings Bank, and Citic Bank, have raised the risk levels of certain mutual fund products they distribute, reflecting a proactive approach to investor suitability management and compliance with regulatory requirements [1][2][3] Group 1: Risk Level Adjustments - China Construction Bank announced adjustments to 87 mutual fund products, with 32 products upgraded from R2 (low to medium risk) to R3 (medium risk) and 55 products from R3 to R4 (medium to high risk) [1] - Minsheng Bank also adjusted the risk ratings of 8 funds, moving them from lower risk to medium risk, emphasizing the priority of investor interests [1][2] - Citic Bank has made its fourth adjustment to risk ratings this year, indicating a trend of ongoing evaluations and adjustments in response to market conditions [2][3] Group 2: Regulatory Compliance and Market Conditions - The adjustments are primarily driven by regulatory compliance requirements, necessitating banks to dynamically assess and accurately disclose product risks [3] - The current market volatility, particularly in equity funds due to increased asset fluctuations and high concentration, has led to a more realistic reflection of risk characteristics through these adjustments [3] - The trend of banks adjusting risk ratings is expected to become a standard practice in the industry, aligning with the ongoing regulatory emphasis on investor suitability management [3] Group 3: Investor Guidance - Banks are encouraging investors to reassess their risk tolerance in light of the new risk ratings, providing options for redemption or conversion to more suitable products [2][3] - Investors are advised to verify their mutual fund holdings through various channels and make informed decisions based on their risk capacity [2]

Core Insights - Banks are intensifying promotional activities for personal pension accounts, focusing on customer retention and active participation rather than just attracting new accounts [3][6][7] Group 1: Promotional Strategies - Major banks, including China Bank and Industrial and Commercial Bank, are offering various incentives such as WeChat discounts and cash rewards to encourage account opening and contributions [4][5] - The promotional focus has shifted from merely attracting new customers to enhancing customer experience and retention, as many accounts remain inactive after initial opening [3][6] Group 2: Customer Behavior and Market Trends - There is a prevalent issue of "high account openings but low contributions," with many customers opening accounts for short-term rewards but not actively contributing [7][8] - A report indicates that as of November 2024, only 21% of personal pension account holders are making contributions, despite a significant number of accounts being opened [7][8] Group 3: Regulatory and Competitive Landscape - The regulatory framework allows individuals to open only one personal pension account with a commercial bank, intensifying competition among banks to attract customers [5][8] - Banks are innovating their services, such as introducing appointment-based contribution options, to lower barriers for customers and encourage ongoing contributions [9][10]

文/王强 今年以来，存款利率进入破1%时代，曾经"稳稳的幸福"正在失去吸引力。而"冰火两重天"的另一面 是，黄金价格一度突破4000美元/盎司，A股市场更是持续升温热度高涨。 当低利率与高波动并存，风险与收益同在，投资者的理财焦虑日益加剧，深陷「要么赚不到、要么不敢 赚」的两难境地。而从更长远的视角来看，这种矛盾的积聚也是中国居民财富积累与投资需求变迁趋势 之下的一个缩影。 2024年，中国实现人均GDP 1.3万美元。而从海外经验来看，当人均GDP突破1万美元后，居民的资产配 置从"单一存款"转向"多元金融资产"已是必然。 例如，美国1980年代人均GDP达1万美元时，开启了持续16年的"存款搬家"，居民风险资产占比从30% 升至90%；日本同期虽因金融泡沫一度中断转型，但配置养老金的家庭仍实现了穿越周期的稳健收益。 那么当下，面对复杂多变的市场环境和不断下行的存款利率，中国的投资者要如何用好资产配置、把握 市场机遇？而在大众理财从"单押"到"配置"的转变过程中，又有哪些"陷阱"和误区值得警惕？ 11月28日，中信银行联合华夏基金、信银理财将举办一场名为"单押不算真投资，会搭才是制胜招"的直 播，从不同视角 ...

| | 股东名称 | 持股比例 : | 认缴出资额(万元) ۾ 认缴出资日期 ۾ 首次持股日期 ۾ 关联产品/机构 | | --- | --- | --- | --- | | | 中信银行股份有限公司 | | | | 1 | + @*** 央企子公司 中信银行 (601998.SH) | 100% | 1000000 2025-08-29 2025-11-26 中信银行 | | | 中信银行(00998.HK) 町 | | | 企查查APP显示，近日，信银金融资产投资有限公司成立，法定代表人为蒋东明，注册资本100亿人民 币，经营范围为非银行金融业务。企查查股权穿透显示，该公司由中信银行（601998）全资持股。 | C) 企查查 传奇 全国企业信用意询 | 信银金融资产投资有限公司 | | ○ 童一下 | ■应用 · 企业中心 | 0 | 0 电子 | 8 | | --- | --- | --- | --- | --- | --- | --- | --- | | 基本信息 10 | 法律诉讼 | 经营风险 | 经营信息 1 企业发展 2 | | 知识产权 | 历史信息 ◎ | | | 法定代表人 | 弱东明 ...

人民财讯12月1日电，企查查APP显示，近日，信银金融资产投资有限公司成立，法定代表人为蒋东 明，注册资本100亿元，经营范围为非银行金融业务。企查查股权穿透显示，该公司由中信银行 （601998）全资持股。 ...