为提升社区居民识诈防诈能力，近日，中信银行济南阳光新路支行在济南阳光100社区开展"全民反诈在 行动"宣传活动，将反诈知识送到群众身边。 活动现场，银行工作人员通过悬挂宣传横幅、分发折页、面对面互动等形式，与社区居民零距离交流， 并结合公安部刑侦局发布的"十大类案""八大利器""二十个关键词"等权威指引，用通俗易懂的语言拆解 典型案例。 "您看，这个案例就是骗子利用老人'理财增值'的心理，推荐虚假投资产品，最后卷钱跑路……"工作人 员向社区居民讲解了银行卡买卖、现金支取、虚假投资理财、购买黄金等真实诈骗案例，剖析诈骗分子 如何设局、诱骗受害者步入圈套，同时详细讲解识诈技巧："凡是说稳赚不赔的投资，一定要多打问 号；陌生人让转账、买黄金避险的，千万别信！" 针对当前电信网络诈骗中的"工具人"现象，银行人员还特别提醒居民："出租、出售银行卡可能被骗子 用来洗钱、诈骗，不仅违法，还会影响个人征信，甚至要承担法律责任。"引导大家理解配合金融机构 的风险防控措施，从源头降低涉诈风险。 "以前总觉得诈骗离自己很远，听了这些案例才发现，骗子的手段真不少！"社区居民王大爷仔细听讲， 连连点头，"银行同志讲得很明白，以后遇到陌 ...

Core Viewpoint - China CITIC Bank (601998) is launching a personal consumption loan interest subsidy program to stimulate consumer spending and support economic recovery as per the directives from the central government [1] Group 1: Announcement Details - The bank's initiative aligns with the central government's strategy to boost consumption and expand domestic demand [1] - The implementation will follow the guidelines set forth in the "Personal Consumption Loan Interest Subsidy Policy Implementation Plan" (Cai Jin [2025] No. 80) [1] - CITIC Bank will develop specific implementation rules and operational guidelines to facilitate the subsidy process for eligible consumer loans [1] Group 2: Customer Assurance - The bank assures that no fees will be charged for processing personal consumption loan interest subsidies [1] - To protect customers from potential fraud, the bank advises against trusting communications from individuals outside its official channels regarding the subsidy program [1]

Core Viewpoint - The peak period for cash dividend distribution among listed banks has arrived, with a total of 427.38 billion yuan already distributed for the 2024 fiscal year, indicating a nearly 70% completion rate of the total expected dividends [1][2] Group 1: Dividend Distribution Overview - As of June 27, 2024, 26 banks have implemented their profit distribution plans, with a total cash dividend expected to reach 631.96 billion yuan, an increase of nearly 20 billion yuan compared to the previous year, reflecting a growth rate of 3.03% [1][2] - A significant number of banks have advanced their dividend actions, with nearly half of the A-share listed banks completing their 2024 profit distribution plans in June [2] - The major contributors to the dividend payouts are the six state-owned banks, which collectively will distribute over 420 billion yuan in dividends for 2024 [2] Group 2: Individual Bank Performance - China Merchants Bank is the only joint-stock bank with a total dividend exceeding 50.44 billion yuan, with a payout ratio above 33% [3] - Ningbo Bank has increased its cash dividend for the second consecutive year, proposing a distribution of 9 yuan per 10 shares [3] - As of now, 23 A-share listed banks have implemented their mid-term dividends, totaling 257.71 billion yuan [3] Group 3: Dividend Ratio Trends - 14 banks have a cash dividend ratio exceeding 30% for 2024, with a slight decrease in the number of banks compared to 2023 [4] - 25 A-share listed banks have increased their cash dividend ratios compared to the previous year, with Ningbo Bank's ratio rising by 6.3 percentage points to 21.91% [4] - Industrial Bank and Citic Bank have also reported consistent increases in their cash dividend ratios over the years, with Citic Bank planning a cash dividend of 19.46 billion yuan for 2024 [5]

Core Insights - The event aims to enhance the direct financing function of the interbank bond market to support the transformation and upgrading of enterprises in Henan Province [1] - The activities include a promotional exchange meeting and a seminar focused on the role of the interbank bond market in supporting technological innovation in Henan [1] Group 1: Event Overview - The promotional exchange meeting took place on August 7, attended by over 200 participants, including representatives from 100 local enterprises and 15 financial institutions [3] - Key speakers included officials from the People's Bank of China and representatives from CITIC Bank, who discussed the latest registration and issuance policies, innovative products, and the advantages of the interbank bond market [3][5] Group 2: CITIC Bank's Role - CITIC Bank has been a significant player in supporting the local economy, providing over 100 billion yuan in comprehensive financing to various enterprises in Henan annually [3] - The bank has consistently ranked first in bond underwriting scale among all banks in Henan, receiving high recognition from provincial government and society [3] Group 3: Future Initiatives - The next steps involve CITIC Bank continuing its "Going to Ten Thousand Enterprises - Trust and Benefit Enterprises" initiative to serve mature bond-issuing enterprises and identify potential issuers [5] - The focus will be on accelerating the launch of new bond varieties in areas such as technological innovation and green development, contributing to the enhancement of bond financing in Henan Province [5]

Core Insights - The third Chain Industry Conference was held in Zhengzhou, gathering over 800 representatives from chain enterprises and industry experts to discuss new trends in the chain industry [1] - CITIC Bank's Zhengzhou branch participated as the only invited financial institution, with a focus on financial empowerment for the chain industry [1][2] Group 1: Financial Solutions - CITIC Bank introduced targeted solutions addressing core challenges faced by chain enterprises, including "receiving, paying, managing, financing, and taxation" [2] - The bank promoted its flagship financial product "Xiaotianyuan" as a support tool for chain enterprises [2] Group 2: Digital Transformation - CITIC Bank launched the "Xiaotianyuan" enterprise ecological service platform, integrating digital services and financial innovations to facilitate the digital transformation of small and medium-sized enterprises [3] - The platform offers a comprehensive digital solution for enterprise management, enhancing efficiency and reducing costs for businesses [3] Group 3: Future Directions - The event strengthened the connection between CITIC Bank and the chain industry in Henan, establishing a model for comprehensive financial services for chain enterprises [3] - CITIC Bank plans to continue providing precise financial services tailored to new consumption scenarios in the chain industry, leveraging its financial technology and innovative service capabilities [3]

Group 1 - The core viewpoint of the news is that China CITIC Bank Shanghai Branch has successfully implemented a pilot project for offshore trade background verification, enhancing the efficiency of cross-border financial services for foreign trade enterprises [1][2] - The pilot project involved a chemical trading company engaged in wholesale sales of chemical products, primarily operating in the Southeast Asian market, and facilitated an offshore settlement of nearly $500,000, improving processing time by 2-3 working days compared to traditional methods [1][2] - Offshore trade is recognized as a new form of international trade that enhances China's global resource allocation capabilities, aligning with national policies to support new trade formats and promote high-level financial openness [1][2] Group 2 - The challenges of verifying the authenticity of offshore trade backgrounds include difficulties in information acquisition, complex verification processes, and lengthy timeframes, which the bank aims to address through innovative regulatory policies and the integration of the national foreign exchange administration's cross-border financial service platform [2] - By leveraging big data and secure data sharing with customs and tax authorities, the bank has significantly improved the automation, standardization, and credibility of background verification, thereby reducing document review times and mitigating business risks for offshore trade enterprises [2] - Moving forward, the bank plans to expand its services in offshore trade settlements and cross-border financing, providing efficient and convenient financial services to enterprises engaged in international trade, thereby contributing to the development of a robust offshore trade financial ecosystem [2]

12家全国性股份制商业银行 近日，财政部、中国人民银行、金融监管总局印发《个人消费贷款财政贴息政策实施方案》。 要点如下↓↓ 支持范围 贷款经办机构 6家国有大型商业银行， 包括中国工商银行股份有限公司、中国农业银行股份有限公司、中国银行股份有限公司、中国建设银行 股份有限公司、交通银行股份有限公司、中国邮政储蓄银行股份有限公司。 ■ 家用汽车领域，包括汽车购置、车辆保险及维修。 ■ 养老生育领域，包括老龄人口或其子女购买的家庭适老化改造服务、养老机构和养老社区服务，托 育、辅助生育消费等。 实施方案明确，同时符合以下条件的贷款可享受贴息政策—— 2025年9月1日至2026年8月31日期间，居民个人使用贷款经办机构发放的个人消费贷款（不含信用 卡业务）中实际用于消费，且贷款经办机构可通过贷款发放账户等识别借款人相关消费交易信息 的部分，可按规定享受贴息政策。 贴息范围包括单笔5万元以下消费，以及单笔5万元及以上的家用汽车、养老生育、教育培训、文 化旅游、家居家装、电子产品、健康医疗等重点领域消费。 对于单笔5万元以上的消费，以5万元消费额度为上限进行贴息。政策到期后，可视实施效果研究 延长政策期限、扩大支持 ...

转自：新华财经 7月26日傍晚，恒大名都社区一改往日的宁静。一场由中信银行南昌高新支行精心策划、携手社区共同 举办的"全民反诈，你我同行"主题反诈游园会热烈开场。支行全体员工化身"金融卫士"，深入社区邻 里，以寓教于乐的创新形式，将反诈知识巧妙融入趣味互动，提升小区居民反诈意识。 在知识讲解后，居民们积极参与"反诈答题大比拼"环节，大家踊跃举手，争相回答问题。"如果接到陌 生电话，声称是公安局的，要求转账汇款，应该怎么做？""绝不能轻易相信，要先核实身份！"一位居 民大声说道，脸上洋溢着自豪的笑容。 社区居民周阿姨在活动结束后说："以前觉得反诈知识很枯燥难懂，今天在这里一边游玩一边学，不仅 学到了有用的反诈知识，也对银行也更加了解和信任了。" 此次活动得益于支行全体员工的共同努力。大家积极投入到活动筹备当中，从设计通关项目、准备宣传 资料，到现场布置、人员安排，每一个环节都精心打磨，确保活动的顺利进行；通过与社区工作人员的 紧密联动，调动社区资源，扩大活动的影响力和覆盖面。 秉持社会责任感，中信银行南昌高新支行致力于金融知识普及工作，将反诈宣传作为工作重点之一。此 次全民反诈游园会，不仅为社区居民带来一场反诈 ...

Core Viewpoint - The launch of the FT account system by CITIC Bank's Tianjin branch marks a significant step in enhancing the financial framework of the Tianjin Free Trade Zone, facilitating deeper integration of domestic and international markets [1] Group 1: FT Account System - The FT account serves as an important financial vehicle for deepening the opening-up of the Free Trade Zone, connecting domestic and international markets and resources [1] - The introduction of the FT account system is part of a broader initiative to promote institutional innovation and support the development of an open economy [1] Group 2: Financial Institutions Involved - With the successful launch of the FT account, the number of banks offering this service in Tianjin has reached six [1] - The FT account system is designed to provide a diversified financial product matrix, flexible foreign exchange mechanisms, and online financing support [1] Group 3: Economic Impact - The FT account is expected to strengthen the institutional advantages and financial foundations necessary for high-level opening-up in the region [1] - It is positioned as a key engine for advancing the institutional opening-up of the Tianjin Free Trade Zone [1]

Core Viewpoint - The event aims to enhance the direct financing function of the interbank bond market in Henan Province, supporting local enterprises in their transformation and upgrading efforts [1][3]. Group 1: Event Overview - The interbank bond financing promotion and exchange meeting was held from August 7 to 8, 2025, organized by the China Interbank Market Dealers Association and the People's Bank of China Henan Branch in Zhengzhou [1]. - The event included participation from over 200 attendees, including representatives from the Henan Provincial Financial Office, Ministry of Industry and Information Technology, Ministry of Science and Technology, and more than 100 local enterprises [3]. Group 2: Key Discussions - Presentations covered the latest registration and issuance policies, innovative products, financing advantages of the interbank bond market, and debt financing tools for enterprises [3]. - CITIC Bank, as the main underwriter, emphasized its commitment to serving the real economy and highlighted its significant contributions to local enterprises, providing over 100 billion yuan in comprehensive financing annually [3]. Group 3: Future Directions - The event facilitated a deeper understanding of the interbank bond market, enabling enterprises to seize market opportunities and expand their bond financing channels [4]. - CITIC Bank Zhengzhou Branch plans to continue supporting mature bond-issuing enterprises and explore potential issuers, focusing on areas like technological innovation and green development [4].