天有不测风云。2020年7月，一场暴雨突袭独山，洪水冲毁了邦朵的生产厂房，泡烂了库存茶叶，眼看 贷款即将到期。就在安兴群心灰意冷时，农行工作人员踩着泥水深入灾情一线，没有一句催款的话，只 留下"这坎，我们一起迈"的承诺。短短几天内，300万元贷款展期的审批通过，为濒临绝境的邦朵注入 了"救命钱"。这场及时的展期，不仅保住了企业的生命线，更护住了茶农的就业盼头，让安兴群重新燃 起了斗志。 渡过洪灾难关后，邦朵茶业逐步恢复元气，产品远销欧洲市场，80%的茶叶实现出口。可2022年，冲击 再次袭来：欧洲港口关闭、海运成本飙升，十几个货柜的茶叶积压在仓库，企业面临 "断单"危机。坐 以待毙就是死路一条，安兴群和团队果断决定开拓非洲市场，摩洛哥等国的需求让他们看到了新希望。 新华财经北京9月28日电 近日，"倾听·助力·共富与亿万农民同心共行致敬2025年中国农民丰收节发布 会"在北京举行。今年是"中国农民丰收节"设立第八年，也是巩固拓展脱贫攻坚成果同乡村振兴有效衔 接5年过渡期的最后一年。发布会邀请了多位"丰收者"，通过鲜活案例讲述农行金融助农故事，展现秋 收"丰"景。 发布会上，贵州邦朵茶业有限公司负责人安兴群以《 ...

Core Points - The article highlights the importance of personalized and empathetic customer service in the banking sector, particularly for clients with special needs [1][3][4] - The actions of the Agricultural Bank of China (ABC) staff demonstrate a commitment to the "customer first" philosophy, ensuring that all clients feel supported and understood [3][4] Group 1 - The blind couple expressed deep gratitude towards the bank staff for their assistance in obtaining social security cards, showcasing the impact of attentive service [1][4] - The bank staff quickly identified the couple's unique needs and provided tailored support, including guiding them through the process and ensuring they understood each step [3][4] - The successful completion of the service not only met the couple's immediate needs but also reinforced the bank's dedication to providing warm and accessible financial services [4] Group 2 - The bank plans to continue enhancing its barrier-free service initiatives, aiming to create a more convenient and welcoming environment for all customers [4] - The article emphasizes the role of financial institutions in building trust and rapport with clients through compassionate service [3][4]

Core Viewpoint - The article highlights a case of telecom fraud targeting an elderly customer at a bank branch, showcasing the bank's proactive response and commitment to customer protection [1][2]. Group 1: Incident Description - An elderly man approached a bank branch, expressing anxiety over a potential scam where he was instructed to transfer his savings for investment by someone posing as a company executive [1]. - The bank staff quickly identified the situation as a possible fraud case and took immediate action to reassure the customer and verify his account status [1]. Group 2: Bank's Response - The bank manager and staff took steps to change the passwords on the elderly customer's accounts, replaced his bank card, and transferred remaining funds to ensure his financial security [2]. - The bank staff educated other customers in the branch about common fraud tactics, emphasizing the importance of vigilance and consulting the bank or authorities in suspicious situations [2]. Group 3: Customer Care Philosophy - The actions taken by the bank exemplify a customer-centric approach, focusing not only on basic banking services but also on the specific needs of vulnerable groups, such as the elderly [2]. - The bank's commitment to providing warm and attentive service has been recognized and appreciated by the affected customer, reinforcing the importance of social responsibility in financial services [2].

业务办理过程中，大堂经理始终保持耐心，一边在纸上细致解答政策要求，一边全程陪同客户前往柜 台，协助柜员与客户沟通，一步步引导完成信息填报、身份验证等环节。 当业务顺利办结，客户接过崭新的银行卡时，他激动地抬起手，用标准的手语向大堂经理表示感谢，成 为对这场"无声服务"最温暖的肯定。 金融服务永不止步，但"金融为民"初心从未改变。未来，该行将继续践行金融机构的社会责任与担当， 把温情服务理念深植于工作中，用更细致、更贴心的行动，为更多特群众搭建起便捷、温暖的金融桥 梁。 "您好，可以办理银行卡吗？"近日，农行济南黄台支行营业大厅的引导台前，一位客户略显迟疑地递上 手机，屏幕上的文字成为他与外界沟通的主要方式。大堂经理接过手机，先是回以一个温暖而坚定的笑 容，随即拿起纸笔，工整写下："当然可以！您别着急，我们慢慢来。" 没有熟悉的语言交流，一场特殊的服务却在指尖与纸笔间悄然开启。考虑到客户的沟通需求，大堂经理 全程以"手写+手语辅助"的方式耐心沟通。面对开户协议中复杂的条款，她没有简单带过，而是逐句拆 解关键信息，用清晰的字迹记录在纸上，遇到客户可能疑惑的地方，还特意配上简单的示意图，确保每 一项内容都能被准确理 ...

Core Viewpoint - Major banks in China have decided to abolish their supervisory boards, transferring their functions to the audit committee of the board of directors, which is seen as a move to optimize corporate governance and reduce costs [7][8][9] Group 1: Decision and Implementation - The five major banks have announced that they will no longer establish supervisory boards, a decision approved at the 2024 annual general meeting held on June 27, 2025, and recently sanctioned by the National Financial Regulatory Administration [7] - Postal Savings Bank has also proposed to abolish its supervisory board and related committees, with the audit committee of the board taking over these responsibilities, pending shareholder approval [8] Group 2: Rationale and Expert Opinions - Industry experts suggest that the functions of supervisory boards overlap with those of the audit committee, particularly the independent directors, making the abolition a strategic choice to enhance governance flexibility and efficiency [8] - The decision to eliminate supervisory boards is viewed as a way to maintain effective corporate governance while lowering governance costs, according to a leading expert from the Shanghai Financial and Development Laboratory [8] Group 3: Regulatory Framework - The revised Company Law allows companies to establish audit committees within the board of directors to perform the functions of supervisory boards, a change that has been recognized by the National Financial Regulatory Administration [9] - Besides the six major banks, several other national joint-stock banks and local commercial banks have also announced the abolition of their supervisory boards [9]

Core Viewpoint - A-share listed banks are actively implementing their 2025 interim dividend distribution plans, with significant cash dividends being announced and distributed by multiple banks in September 2023 [1][4]. Summary by Category Dividend Distribution - As of now, 17 A-share listed banks have announced their 2025 interim profit distribution plans, with six major state-owned banks collectively distributing a total of 204.657 billion yuan in cash dividends [1][4]. - Bank of Communications leads with a cash dividend of 50.396 billion yuan, followed by Agricultural Bank of China with 41.823 billion yuan, and China Construction Bank with 48.605 billion yuan [4]. Specific Bank Announcements - Shanghai Rural Commercial Bank announced a cash dividend of 0.241 yuan per share, totaling 2.324 billion yuan, distributed on September 26, 2025 [2][3]. - Changsha Bank declared a cash dividend of 0.20 yuan per share, amounting to 804 million yuan, also distributed on September 26, 2025 [2][3]. - Other banks such as Suzhou Rural Commercial Bank, Minsheng Bank, and Changshu Bank have also completed their 2025 interim dividend distributions [1][2]. New Dividend Policies - Several banks, including China Merchants Bank, Changshu Bank, and Ningbo Bank, have confirmed the implementation of interim dividends for the first time [6][7]. - Jiangyin Bank's board has approved its 2025 interim dividend plan, while other banks like Wuxi Bank and Xiamen Bank are considering their dividend distribution methods [7]. Non-Dividend Announcements - Some banks, such as Zhengzhou Bank, have explicitly stated they will not distribute cash dividends for the first half of 2025 [8]. - The trend of increasing dividend frequency is seen as beneficial for investor confidence and stock price stability [8]. Market Context - The overall dividend distribution in 2024 exceeded 630 billion yuan, with major banks like ICBC and CCB leading the way with over 100 billion yuan each [9][10]. - Regulatory changes have encouraged companies to enhance their dividend policies, aiming for more frequent and higher dividend payouts [10].

为推动数字西藏建设，2019年以来，该行全面重构更加科学、智能、便捷的信用体系，不断加强金融科 技建设，推动信用评价智能化、线上化，组建双语远程服务中心，充分释放信用体系在社会治理、民生 服务、产业发展等方面的叠加效应，2025年三农个人贷款突破400亿元人民币。 未来，农行西藏分行将持续巩固农牧区信用体系建设成果，将更多的金融"活水"引向乡村振兴重点领域 和薄弱环节，让信用真正成为带动农牧民增收致富的格桑花。(完) 西藏阿里地区札达县底雅乡民众拉巴顿珠一家正是这一政策的受益者，拉巴顿珠说，他们一家凭借"银 卡"从农行底雅营业所贷来的资金，购买了一辆二手拖拉机，为周边工地提供运输服务，成了家庭生活 变迁的转折点。近年，拉巴顿珠更是接过父亲的担子，成立了小型砂石厂和运输队，成为村里的致富带 头人。 2005年开始，在原有"三卡"基础上，农行西藏分行推出三级"钻石卡"，进一步丰富农户贷款产品体系。 又先后5次根据农牧区发展实际，提升"四卡"(钻石卡、金卡、银卡、铜卡)贷款额度。 与"四卡"相配套，农行西藏分行在全国范围内创造性开展县、乡(镇)、村三级信用体系创建工作，通 过"四卡信用身份证+三级信用创建"，逐步构 ...

Core Viewpoint - The major state-owned banks in China are abolishing their supervisory boards, transitioning to a governance structure led by audit committees, which is expected to enhance management professionalism and independence [1][2][3]. Group 1: Announcement of Supervisory Board Abolishment - On September 25, five major state-owned banks, including Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, Bank of China, and Bank of Communications, announced the receipt of regulatory approval to abolish their supervisory boards [2]. - This decision has been in the works for some time, with proposals to eliminate supervisory boards appearing in board resolutions as early as April 29 [2]. - Other banks, such as Shanghai Rural Commercial Bank and China Merchants Bank, are also expected to follow suit, with nearly 20 institutions planning to abolish their supervisory boards this year [1][3]. Group 2: Legal and Regulatory Framework - The new Company Law allows limited liability companies to establish audit committees within the board of directors to exercise the functions of supervisory boards, providing a legal basis for banks to abolish their supervisory boards [3]. - The National Financial Regulatory Administration has indicated that financial institutions can choose to replace supervisory boards with audit committees, aligning regulatory policies with legal revisions [3][4]. Group 3: Internal Governance Structure Post-Abolishment - The banks will adopt a single-tier governance structure led by audit committees, which will be composed mainly of independent directors, enhancing supervisory efficiency through professional division of labor [4]. - The transition to audit committees is expected to improve the professionalism and independence of oversight functions, although it will depend on the effective operation of these committees [5].

Core Insights - The article discusses the collaboration between Agricultural Bank of China and China UnionPay to boost county-level consumption through various financial initiatives and measures [1][2] - The emphasis on developing county economies is highlighted in government reports, indicating a strategic focus on enhancing local consumption as a driver for economic growth [1] Group 1: Financial Initiatives - Agricultural Bank of China has launched ten measures to stimulate county consumption, including financial product innovation and support for tourism and cultural consumption [1] - The "County Tourism Festival" initiative covers over 1,100 counties, integrating local resources such as homestays and cultural heritage [1] - Consumers can benefit from significant discounts, such as credit card offers that allow them to purchase goods worth 200 yuan for only 100 yuan [1] Group 2: Consumer Engagement - The bank's initiatives include partnerships with approximately 800 automotive and home improvement merchants in Hunan, offering installment services and exclusive discounts [1] - The "One County, Multiple Business Circles" strategy aims to enhance consumer engagement in local markets, with over 30,000 offline merchants participating [2] - Various promotional activities, such as "coupon discounts" and "cashback offers," are being implemented to attract consumers and stimulate spending [2] Group 3: Economic Impact - The measures are designed to invigorate the county consumption market and contribute to rural revitalization efforts [2] - The focus on enhancing local consumption aligns with broader economic strategies to make domestic demand a key driver of growth [1]

Group 1 - The core viewpoint of the articles highlights the proactive measures taken by Agricultural Bank of China Bozhou Branch to enhance financial literacy and risk prevention among key demographics, including the elderly, youth, and business owners [1][2] Group 2 - The bank has established a professional team to conduct targeted financial education activities in various locations such as universities, markets, and senior centers, focusing on real-life cases to educate students about campus loan traps and telecom fraud [1] - In Bozhou College, the bank organized a "First Financial Knowledge Class" for college students, aiming to instill rational consumption concepts [1] - The bank also provided specialized training for traditional Chinese medicine merchants in Bozhou to help them identify illegal fundraising and intermediaries, thereby improving the business environment [1] Group 3 - The bank has implemented service enhancements for the elderly, including the installation of caring service windows and barrier-free access at all branches, as well as providing reading glasses and emergency medical supplies [1] - During outreach activities, staff demonstrated the large-font version of mobile banking and introduced suitable deposit and insurance products for seniors, making financial services more accessible [1] Group 4 - The bank has leveraged its social security service advantages to offer convenient social security card processing and actively promote personal pension accounts [2] - Since September 2025, the bank has conducted 13 offline promotional events, benefiting over 10,000 citizens [2] - The bank aims to continue its commitment to "finance for the people" by providing higher quality services, a richer product range, and comprehensive risk control to create a harmonious financial environment [2]