"打开钱包里面有五颜六色的银行卡，但是常用的也就那么一两张，剩下的都'躺'在钱包里，有的连密码都记不得了。"在北京工作的小王说。 《金融时报》记者注意到，近日，又有多家银行启动了新一轮的"清卡"行动，主要针对持卡人长期不用的"睡眠银行卡"。 "为保障您的账户与资金安全，便于您合理安排和使用个人银行账户资源，我行将持续开展'长期不动户''一人多户'等个人银行结算账户清理工作。"7月1 日，中原银行发布的公告称，该行将于今年9月1日起，逐步开展以上账户的清理工作，限制属于本次清理范围内账户的交易功能。 同日，顺德农商行也发布了关于清理人民币零余额个人久悬账户的公告。从公告来看，截至今年6月30日，未完成实名信息补录或个人关键信息（如姓 名、身份证号码等）存在缺失、无法核实账户实际控制人身份信息，且账户人民币账户余额为0元的个人活期存款账户均在该行的清理范围之内。 在此之前，湖北银行也在5月29日至6月29日期间开展了个人长期不动户清理工作。同时，湖北银行还在公告中表示，未来将每年对符合条件的账户实施持 续清理。 "睡眠账户"通常是指那些5年及以上未发生主动交易且账户内仍有余额的个人银行账户。但在实际操作中，各银行 ...

来源：环球网 近年来，中原银行新密支行积极响应国家战略号召，充分发挥党建引领作用，将金融服务深度融入乡村 振兴，以金融"活水"精准浇灌乡村沃土。 产业振兴是乡村振兴的重中之重。中原银行新密支行紧密围绕新密市的特色产业布局，充分发挥金 融"活水"作用，为乡村产业发展注入强劲动力。 为支持新密市农业生产加工产业，该行积极推广"产业普惠贷"等产品，为从事农产品生产、加工、销售 的农户和企业提供全方位、一站式的信贷支持。 2025年夏收，面对急需卖粮的农民和良好的收储商机，新密市牛店镇某面粉厂却缺乏资金，难以扩大收 储规模。中原银行新密支行了解情况后，迅速组织人员上门调研，为其量身定制了融资方案，及时发放 贷款100万元。有了这笔资金，面粉厂敞开仓库，全力收储，不仅解决周边数百户农户卖粮难问题，还 确保了面粉加工原料供给的稳定性。 据介绍，在党建引领下，中原银行新密支行与地方政府、企业、农户建立了紧密的合作关系，形成了共 同推进乡村振兴的强大合力。该行积极参与政府主导的乡村振兴项目，为项目提供融资支持和专业金融 服务。 与企业开展深度合作，共同探索产业融合发展新模式。为支持农业产业化龙头企业做大做强，中原银行 新密支 ...

连日来，随着上蔡县小麦销售进入高潮，该县塔桥镇某粮食经纪人兴奋地说："多亏了中原银行针对我 们粮食经纪人推出的'产业普惠贷'，100万元的授信额度让我可以多收几十万斤的粮食，今年的销售收 益又能提升不少！" 中原银行针对不同客群精准施策，持续创新信贷产品，为打造中原银行农业产业金融生态探索出了一条 新路径。截至目前，产业普惠贷已累计投放金额达80.5亿元。 西华县是河南省产粮大县，西华县某粮食储备库是当地国有粮库之一，当前粮食市场化贸易热度高，粮 食收储资金需求相对集中。 "我们这种搞粮食收储的企业需要用钱的时候特别着急，资金需求非常大。收粮就那么几天，要是手里 没钱，错过了就得等下一年。之前也试过找银行贷款，但是粮食押在库里，银行不好监管，融资难得 很。"西华县某粮食储备库负责人说。 中原银行急客户之所急，出台专项粮食收储工作方案，成立"营销+产品+审批"专项小组，各经营单位 主动对接当地粮食收储企业，到企业进行实地调研，详细了解企业的金融诉求。同时创新推出"优粮优 信"和"粮食收储-太一平台"两种服务模式，"优粮优信"模式主要服务市县级国有粮库，"粮食收储-太一 平台"主要服务中小型粮食贸易和加工企业。 ...

Core Viewpoint - The recent regulatory measures in Henan province aim to standardize auto consumer finance practices, capping the actual customer interest rate at no more than double the current one-year Loan Prime Rate (LPR), effectively limiting it to a maximum annual rate of 6% [1][2] Group 1: Regulatory Changes - Multiple banks in Henan, including Everbright Bank and Agricultural Commercial Bank of Henan, have announced measures to control financing costs for car buyers, addressing high commission issues [1] - The new regulations prohibit auto dealers from coercing customers into high-commission financial products and aim to stabilize the auto consumer finance market in Henan [1] Group 2: Market Dynamics - The previous high-interest, high-rebate model, which involved banks offering substantial commissions to auto dealers to boost market share, is being phased out due to regulatory pressures [2] - Banks are facing reduced profit margins as many customers are repaying loans early, leading to diminished interest income and increased operational costs [2][3] Group 3: Shift in Competitive Strategy - The industry is transitioning from a price war to value competition, with banks needing to enhance product design and service experience to maintain market competitiveness [3] - Some banks, like Ping An Bank, are adapting their auto finance strategies by focusing on electric vehicle loans and improving online loan processes to meet customer needs [3]

金十数据6月17日讯，6月17日，光大银行郑州分行发布关于规范汽车消费金融业务的声明，其中提到， 即日起，规范贷款产品定价，严格控制购车客户融资成本，从源头上遏制高佣金问题。同时，规范佣金 支付行为，杜绝经销商利用高佣金故意压低汽车销售价格并诱导消费者提前归还贷款或扭曲消费者真实 贷款意愿、真实贷款期限的需求的套利行为。近日河南农商行、交通银行河南省分行、中信银行郑州分 行、中原银行等多家河南地区银行已发布类似声明。 （中证金牛座） 规范汽车消费金融业务，河南多家银行发布声明 ...

在一家保险经纪公司的办公室里，客户经理小李惊喜地发现，最近咨询商业健康险产品的客户明显增 多，尤其是对涵盖院外购药保障的医疗险产品咨询量占比超过6成。"以前每天也就三五个人咨询，现在 一天能接到十来个电话。"小李的感受，直观印证了近段时间来健康险市场逐渐回暖的态势。 对于健康险公司实现较高增长的原因，分析人士指出，在需求端，居民健康风险意识提升，叠加低利率 环境下投资型险种收益压缩，健康险产品保障功能更受青睐。供给端，保险公司受低利率影响，固收类 资产收益承压，为应对利差损风险，加大健康险业务布局。此外，国家医保局推动数字赋能商业保险发 展，加速医保与商保的数据共享与协同发展，为商业健康险拓展保障范围、优化服务流程提供了政策上 的支持。 不过，健康险市场回暖背后亦暗藏隐忧。回顾近年来行业发展情况，健康险保费收入2022年为8653亿 元，2023年为9035亿元，2024年为9774亿元，连续三年未能突破万亿元大关，与原银保监会明确的"力 争到2025年，商业健康保险市场规模超过2万亿元"的目标相去甚远。与此同时，商业健康险行业在发展 过程中，仍存在产品同质化严重、与医疗体系协同不足、控费机制有待健全以及风险 ...

来源：环球网 "今年'五一'期间，我们日均接待游客近万人次，长期位居周边游目的地排行榜首位。"近日，在豫晨滨 湖田园生态旅游区，该旅游区负责人乔玉晨说。 豫晨滨湖田园生态旅游区（以下简称"豫晨滨湖旅游区"）位于叶县燕山湖畔，成立于2013年，占地2500 余亩，目前已发展成为集创意农业、休闲体验、康养度假、科普教育、运动拓展为一体的农业+休闲观 光旅游综合体，获评"国家4A级旅游景区"。 据了解，今年3月份，李冠男在常态化走访中了解到，豫晨滨湖旅游区内的梨树、水蜜桃等果树年久老 化，需要更换一批新的树苗，但是资金还有较大缺口。对此，李冠男迅速行动，上门收集核实资料，帮 助该旅游区申请审批了100万元"乡村振兴产业普惠贷"，满足了其更换树种、购买化肥的资金需求。 走在该旅游区，湖光山色交相辉映，农田成畦、果树成行，主题乐园、特色民宿点缀其间，生态绿道蜿 蜒曲折，成为八方游客奔赴"诗和远方"的理想首选。 文旅繁花竞相开，金融活水常浇灌。豫晨滨湖旅游区发展十余载，中原银行平顶山分行始终与其相伴成 长，携手同行。 "旅游区和中原银行平顶山分行建立了紧密的合作关系，多年来双方合作十分融洽。"该行个人贷款业务 部零贷客户 ...

【大河财立方 记者 徐兵 闫文瑞 文 冉衡 摄影】5月28日，"银政企协同 助力许昌开启'两融'高质量发展新征程"融资对接会在许昌市举行。活动现场亮点纷 呈，签约环节成果丰硕，银政企合作迈向新高度。 与此同时，驻许昌14家银行机构与许昌市企业也积极行动，现场签订合作意向书，进一步拓宽了银企合作渠道。 从具体合作项目来看，现场签约成果斐然。各银行机构与许昌市196个企业达成合作意向，涉及总金额达563.5亿元；其中，30个企业与银行现场完成签约， 签约金额为203.1亿元。这一系列签约活动，充分展现了金融机构对许昌市经济发展的信心与支持，也为许昌市企业带来了实实在在的融资机遇。 "此次融资对接会的成功举办，标志着许昌市银政企合作进入了一个全新的阶段。"许昌市政府相关负责人表示，未来，随着各项合作协议的逐步落实，许昌 市"两融"高质量发展将迎来更加广阔的前景。 责编:陶纪燕 | 审校:陈筱娟 | 审核:李震 | 监审:古筝 在战略层面，许昌市人民政府与14家银行达成深度合作意向，共同签订战略合作协议。签约方包括农业发展银行河南省分行、工商银行河南省分行、农业银 行河南省分行、中国银行河南省分行、建设银行河南省分行 ...

【大河财立方 记者 秦龙】4月30日，记者获悉，2025年以来，中原银行积极应对复杂多变的经济金融环 境，深入推动特色化经营差异化发展，全力落地各项工作任务，整体经营实现良好开局。 具体来看，中原银行效益质量规模协同发展。一季度，该行效益指标超序时进度，资产质量保持稳定， 资产规模稳步增长。 贷款余额超900亿元 加大民营小微金融支持力度 民营经济发展前景广阔、大有可为。 2025年以来，中原银行深入研究党中央、国务院及有关部委出台的一系列政策，聚焦我省关于支持民营 经济高质量发展的1个行动计划、6个行动方案、5个攻坚方案，做好全面对接，制定专项方案，确保政 策落地。 中原银行充分把握民营经济发展机遇，全面提高服务覆盖率、市场占有率。通过积极支持小微企业融资 协调工作机制作用，用足用好无还本续贷扩围政策，实现信贷资金直达基层、快速便捷，中原银行确保 普惠金融目标任务全面完成。 数据显示，一季度，中原银行小微融资协调工作机制申报清单14.6万户，全省排名第2；普惠小微贷款 余额945亿元，较年初增加43亿元，增速高于全行各项贷款增速。 同时，中原银行还将支持民营经济高质量发展与"四个银行"建设相结合，一体推进政 ...

Financial Performance - In 2024, the company's net interest income was RMB 21,542.7 million, a decrease of 3.2% compared to RMB 22,263.0 million in 2023[19]. - The net profit for 2024 increased by 8.2% to RMB 3,469.7 million, up from RMB 3,206.3 million in 2023[19]. - The company's operating income for 2024 was RMB 25,955.3 million, a slight decrease of 0.9% from RMB 26,183.4 million in 2023[19]. - The cost-to-income ratio improved to 38.80% in 2024, down from 40.07% in 2023[19]. - The net interest margin decreased to 1.52% in 2024, down from 1.56% in 2023[19]. - The company reported a return on average equity of 3.47% in 2024, an increase from 3.11% in 2023[19]. - The total operating income for the bank was RMB 25,955.3 million, a slight decrease from RMB 26,183.4 million in the previous year[146]. - Interest income from loans and advances was RMB 31.8418 billion, down RMB 1.783 billion or 5.3% year-on-year, attributed to the company's efforts to lower financing costs for enterprises by reducing interest rates[64]. - Interest expenses for the year ended December 31, 2024, amounted to RMB 26.493 billion, a decrease of RMB 1.949 billion or 6.9% year-on-year, primarily due to reduced interest expenses on deposits and issued bonds[73]. Asset and Liability Management - Zhongyuan Bank's total assets exceeded RMB 1.3 trillion as of the end of the reporting period[13]. - The total assets of the company reached RMB 1,365,197.0 million, reflecting a growth of 1.4% from RMB 1,346,446.5 million in 2023[22]. - Total assets reached RMB 1,365.197 billion, an increase of RMB 18.751 billion compared to the previous year[39]. - The total amount of absorbed deposits was RMB 942.459 billion, with an average interest rate of 1.98%, compared to RMB 865.444 billion and 2.28% in the previous year[75]. - The bank's total liabilities were not explicitly stated but are implied to be consistent with the growth in total assets[92]. - The balance of interbank and other financial institution deposits was RMB 52,658.6 million, up RMB 13,954.6 million, marking a 36.1% increase from the previous year[115]. Loan and Credit Quality - The non-performing loan ratio improved slightly to 2.02% in 2024, down from 2.04% in 2023[22]. - The company's non-performing loan balance was RMB 144.58 million, with a non-performing loan ratio of 2.02%, a decrease of 0.02 percentage points from the previous year[124]. - The normal loan category accounted for 94.76% of total loans, while the substandard, doubtful, and loss categories represented 0.47%, 0.16%, and 1.39% respectively[126]. - The overdue loan total was approximately RMB 292.51 billion, representing 4.09% of the total loan amount, an increase of about 0.11 percentage points from the previous year[144]. - The non-performing loan balance for mortgage loans was RMB 6,880.8 million, with an NPL ratio of 2.44% as of December 31, 2024[136]. Market Position and Recognition - In 2024, Zhongyuan Bank ranked 144th in The Banker’s list of the world's top 1,000 banks, improving by one position from the previous year[16]. - The bank received multiple awards in 2024, including the "Outstanding Brand Communication Award" and "Pioneer in Digital Transformation"[17]. - Zhongyuan Bank was recognized as one of the top 20 in ESG comprehensive performance among city commercial banks in China[17]. - In 2024, the company was awarded the "2024 Golden Quality Bank Brand" and "Outstanding Bank Wealth Management Institution" by various financial media[17]. Strategic Initiatives and Development - The bank aims to enhance its market position by focusing on high-quality development and local economic service[14]. - The bank's strategy includes continuous improvement in asset quality and operational performance to support local economic development[14]. - The company's mission is to be "the bank of the people of Central China," aligning with regional government goals[14]. - The company signed strategic cooperation agreements with nine local governments, enhancing service capabilities[40]. - The bank continues to focus on expanding its market presence and enhancing its product offerings to support future growth[100]. Customer and Service Expansion - The bank's retail customer base expanded to 35.4361 million, with an increase of 1.605 million customers, reflecting a growth rate of 4.53% year-on-year[175]. - The number of registered mobile banking users reached 17.56 million, an increase of 1.64 million compared to the end of the previous year[195]. - The bank's mobile banking service for rural areas has reached 3.4275 million users[191]. - The bank provided clearing services for 434 million transactions, amounting to RMB 142.875 billion for acquiring customers[176]. - The bank's wealth management services continued to grow, emphasizing personalized and diversified offerings for clients[177]. Digital Transformation and Technology Integration - The bank emphasized digital transformation and technology integration to enhance service quality and operational efficiency[200]. - The bank launched its first green inclusive collaborative model for green government procurement loans and green corporate overdraft products in 2024[162]. - The bank's mobile banking app version 6.0 was released, focusing on "simple, intelligent, and secure" financial services[193]. - The company has developed a comprehensive online product operating system that combines financial and non-financial services, serving 28,764 clients in financial management[164]. Awards and Recognition - The bank received multiple awards for its wealth management services, including the "Golden Hazelnut Award" and "Golden Reputation Award" in 2024[184].