别被骗了。"经过近半小时的沟通，阿姨终于松口，坦言这笔钱是给孙子买房凑首付，因孙子叮嘱"别对 外人说"，她才一直隐瞒。 虽然最终证实是"乌龙"事件，但农业银行员工和民警的谨慎负责，赢得了在场客户的称赞。网点负责人 表示："宁可多问一句，也不能让客户的血汗钱受损，这是我们的责任。"事后，工作人员还特意向阿姨 普及了防诈骗知识，提醒她大额转账务必核实清楚。 柜员小肖一 边安抚阿姨，一边委婉询问取款用途："阿姨，您取这么多现金是做什么用呢？现在诈骗多，我们帮您 把把关。"然而，阿姨神色紧张，支支吾吾，始终不愿说明具体原因，只是重复"给家里人用"。考虑到 阿姨年纪较大，且近期电信诈骗高发，工作人员担心她遭遇了"冒充亲人"或"投资理财"等骗局，便请来 网点主管进一步沟通。 尽管工作人员耐心解释风险，阿姨仍坚持取款，甚至有些激动。为了确保资金安全，银行最终决定报 警。民警赶到后，与银行员工一起劝说阿姨："大娘，如果是孩子要钱，我们可以帮您联系确认，千万 近日，农业银行济南天桥营业室发生了一件既令人担忧又倍感温暖的事情。一位年近七旬的阿姨来到柜 台，要求取出十万元现金，表示要"给老伴急用"。然而，银行工作人员在核实信息时发 ...

在农行药山农行，寻常柜面流转的不仅是业务，更是无数用心交织的暖流。这里，服务不仅是刻板的流 程，更是心与心之间无言的默契与守护。 玻璃能隔绝声音，却从未隔开温度。在药山支行这一隅天地，纸片传递的不仅是需求，更是信赖与安 心，恰如银行人最朴素的承诺——无论世界喧嚣或静默，服务的热忱始终如一，守护着每一份无声的托 付。 这天，柜员小李如往常一样摁下了叫号器，并举手迎接客户："您好，请问办理什么业务？"却见客户指 着耳朵摇头，随即默默递入一张纸片，上面清晰写着："你好我要销卡，只留一张。" 小李当即会意，内外连接的麦克风还亮着红灯，却保持着长久的安静。一方玻璃内外，小小的纸页成了 最可靠的沟通。小李努力打着手势，向客户传递确认信息，稍微复杂的内容用文字同客户交流，逐项确 认。待业务办结，剪断作废卡片，递还身份证件时，客户倏然起身，双手合十，已经不再需要言语表 达，客户的眼神和身体语言传递着最诚挚的感谢，是对服务最动人的诠释。 ...

Core Insights - The mobile banking app has become a core platform for commercial banks to serve users, optimize experiences, and enhance competitiveness in the context of national digital transformation and financial technology innovation [1] - The market for mobile banking apps is entering a stage of stock competition, with user flow stabilizing between 650 million to 700 million from 2023 to 2025, indicating saturation [2] - User engagement with mobile banking apps is declining, necessitating refined operational strategies for banks to retain customers [4][6] User Flow and Behavior - The overall user flow of mobile banking apps in China is projected to fluctuate between 650 million and 700 million, with a change rate of -1.2% to 4.6% from 2023 to 2025, indicating market saturation [2] - User stickiness has significantly decreased, with average daily effective usage time dropping from 4.93 minutes to 2.70 minutes and daily usage frequency from 4.54 times to 2.86 times [4] Operational Strategies - Refined operations are essential for banks to break through in a saturated market, focusing on precise user insights and intelligent technology applications [6][7] - The strategy involves three layers: foundational user insights, scenario-based and differentiated operations, and establishing emotional connections with users [7] AI Integration - AI technology is recognized for its potential value across industries, aiding banks in refining operations by enhancing interactive experiences, risk management, and data efficiency [9] Rankings and Performance - The top 50 rankings show that state-owned banks dominate, with Agricultural Bank of China leading with an average MAU of 24.8 million, followed by Industrial and Commercial Bank of China and China Construction Bank [11][12] - Among joint-stock commercial banks, China Merchants Bank leads with over 7 million MAU, while many others face declining user engagement [16][17] - City commercial banks have shown strong performance, with Jiangsu Bank leading at 3.5 million MAU, and several banks achieving significant growth rates [19][20] Case Studies of Successful Apps - Agricultural Bank of China continues to lead the industry with a 4.8% increase in MAU, focusing on integrating financial services with daily life scenarios [28][29] - China Merchants Bank is recognized for its innovative digital services, maintaining its position as a leader among joint-stock banks [31] - Jiangsu Bank emphasizes the integration of digital capabilities with wealth management, enhancing its app to meet customer needs [33] - Beijing Bank's app showcases a digital transformation strategy that combines technology, scenarios, and services to create value [35]

Core Points - The West Lead Growth Board Comprehensive Exchange-Traded Open-Ended Index Securities Investment Fund has been approved for registration by the China Securities Regulatory Commission [1] - The fund is categorized as an equity index securities investment fund and operates as an exchange-traded open-ended fund [1][12] - The fund aims to raise a maximum of 2 billion RMB, with the subscription period from October 9, 2025, to October 17, 2025 [12][13] Fund Details - Fund Name: West Lead Growth Board Comprehensive Exchange-Traded Open-Ended Index Securities Investment Fund [12] - Fund Code: 159295, with the market abbreviation being "West Lead Growth Board Comprehensive ETF" [12] - The fund's subscription methods include online cash subscription and offline cash subscription [2][11] Subscription Process - Investors must have a Shenzhen securities account to subscribe to the fund, and those without an account must open one before subscribing [3][25] - Online cash subscriptions can be made through designated agents using the Shenzhen Stock Exchange online system [2][27] - Offline cash subscriptions require investors to submit necessary documents and funds to the fund management company [31][33] Fund Management - The fund is managed by West Lead Fund Management Co., Ltd., with China Agricultural Bank as the custodian [1][38] - The fund's investment strategy includes a focus on the index's constituent stocks and may also invest in other financial instruments as permitted by regulations [9][10] Financial Management - The fund's maximum fundraising limit is set at 2 billion RMB, and if this limit is reached, the fundraising will cease [13] - Any unconfirmed subscription amounts will be refunded to investors after the fundraising period ends [13][14] - The fund's net asset value will be calculated based on the confirmed subscription amounts and any interest accrued during the fundraising period [19][36]

由新公司法驱动的银行治理变革正加速落地。近日，齐鲁银行、兴业银行等上市银行纷纷宣布不再设立 监事会。 业内人士认为，以审计委员会取代监事会可以提升公司治理效率、降低运营成本，但需解决监督的独立 性与专业性问题。此外，如何将原则性规定转化为可行的具体方案，也是银行需要面对的挑战。 纷纷取消监事会 9月23日，齐鲁银行召开股东大会，表决通过了《关于不再设立监事会的议案》。议案表示，根据相关 法律法规、监管制度的规定，结合实际情况，该行拟不再设立监事会及其下设专门委员会，由董事会审 计委员会行使公司法和监管制度规定的监事会职权。 齐鲁银行并非是取消监事会的唯一一家银行。4月29日，工商银行、农业银行、建设银行、中国银行、 交通银行五家国有大行集体宣布撤销监事会，招商银行、兴业银行、北京银行等股份行和城商行也陆续 跟进。 银行取消监事会需要从去年7月1日起施行的新公司法说起。根据法律规定，公司可以在董事会中设置由 董事组成的审计委员会，行使监事会的职权，不设监事会或者监事。此后，国家金融监督管理总局发布 相关通知称，金融机构可以按照公司章程规定，在董事会中设置由董事组成的审计委员会，行使公司法 和监管制度规定的监事会 ...

Core Insights - Financial institutions are increasingly focusing on rural revitalization by innovating financial products and increasing inclusive agricultural loans, with a reported balance of 13.9 trillion yuan in inclusive agricultural loans by the end of Q2 2025, an increase of 1.1 trillion yuan from the beginning of the year [1] Group 1: Policy and Regulatory Support - Regulatory bodies have introduced policies to guide financial resources towards rural revitalization, with a specific directive for banks to continue increasing agricultural loan balances and focus on key areas like grain production [2] - The Agricultural Development Bank plays a crucial role in supporting agricultural financing, having disbursed 410 million yuan in advance funds for summer grain purchases [2] Group 2: Financial Products and Services - Agricultural Bank has significantly increased its financial services for farmers, reporting a balance of 1.79 trillion yuan in its "Huinong e-loan" product and 1.24 trillion yuan in loans related to grain supply [3] - Rural small and medium banks are innovating products like "biological live collateral loans" to address the unique needs of the agricultural sector, with 71 loans amounting to 47.32 million yuan issued [3] Group 3: Credit System Development - The rural credit system faces challenges due to data isolation, with efforts needed to establish a comprehensive credit information collection and assessment system [4] - Financial institutions are encouraged to leverage digital technology to build open platforms for better credit assessment and to create credit villages and townships to enhance data coverage [4] Group 4: Technological Advancements - Financial technology is being utilized to improve service efficiency in rural finance, with mobile banking significantly reducing service costs [7] - Agricultural Bank is accelerating its digital transformation, implementing AI applications in various areas to enhance customer service and operational efficiency [7][8] Group 5: Innovative Financing Solutions - New financial products like "Agricultural and Animal Husbandry Loans" are being developed to meet the specific needs of farmers, allowing for flexible loan terms without the need for collateral [8] - Future developments in digital credit products are expected to automate agricultural loan processes, addressing the unique demands of rural businesses [8]

【 导读 】国有六 大银行同日官宣，不再设立监事会 中国基金报记者 嘉合 9月25日晚间，工商银行、中国银行、农业银行、建设银行、交通银行相继发布公告，宣布公司章程修订已获得监管核准，不再设立监事 会。 具体来看，工商银行公告显示，该行于2025年6月27日召开的2024年度股东年会审议批准了《关于审议及撤销监事会相关事项的议 案》，并于近日收到《国家金融监督管理总局关于工商银行修改公司章程的批复》，核准该行修订后的公司章程。 确性和完整性承担法律责任。 中国工商银行股份有限公司（简称本行）于 2025年6月27日召开的2024年度股东年会审议 批准了《关于审议<中国工商银行股份有限公司 章程（2025年版）>及撤销监事会相关事项的 议案》。 近日.本行收到《国家金融监督管理总局关于工 商银行修改公司章程的批复》（金复〔2025〕 564号）。国家金融监督管理总局已核准本行修 订后的公司章程。修订后的公司章程全文请参 见上海证券交易所网站（www.sse.com.cn）和 本行网站（www.icbc-ltd.com）。《中国工商 银行股份有限公司股东会议事规则（2025年 版）》《中国工商银行股份有限公司董事 ...

上海金融与发展实验室首席专家、主任曾刚告诉记者，银行取消监事会，首先有助于精简银行治理结 构，降低管理成本。特别是中小银行普遍规模较小，取消监事会可减少机构设置，节约人力、物力资 源，使管理资源更加集中。对于资源有限的中小银行，这种优化尤为重要。其次，此举可明显提高决策 效率。传统"三会"（股东会、董事会、监事会）模式下，决策流程较为烦琐，取消监事会后，治理层级 减少，可加快决策速度，增强银行对市场变化的反应能力。再者，这符合国际公司治理趋势。取消监事 会使我国银行治理结构更接近国际主流模式，有利于与国际接轨，提升公司治理现代化水平。 值得一提的是，《通知》中进一步明确，金融机构可以按照公司章程规定，在董事会中设置由董事组成 的审计委员会，行使《公司法》和监管制度规定的监事会职权，不设监事会或者监事。 曾刚分析指出，审计委员会取代监事会行使监督职能，对银行管理产生多方面影响，包括有望提升监督 专业性，董事会审计委员会通常由具备财务、审计专业背景的独立董事组成，专业能力较强，可针对银 行风险管理、财务合规等核心领域实施更为专业的监督；有利于消除职能重叠，原有监事会与审计委员 会在职能上存在部分交叉，整合后可避免 ...

Core Insights - The meeting focused on enhancing the "Digital Federation of Industry and Commerce" platform to improve financial services for private enterprises, addressing the challenges of financing difficulties and delays [1][3]. Group 1: Platform Development - Six financial institutions recognized the platform as a vital link between government, banks, and enterprises, suggesting increased promotion, diversified financial products, and optimized platform functions to provide digital financial services to more businesses [3]. - The government aims to replace traditional one-on-one banking interactions with efficient "checklist-style" services through the platform, enhancing service response efficiency and ensuring that financial products reach target enterprises directly [4]. Group 2: Collaborative Efforts - There is a strong emphasis on inter-departmental and inter-bank collaboration to ensure effective policy implementation, with a focus on establishing a regular communication mechanism among the financial office, industry associations, and banks [4]. - Financial institutions are encouraged to share information and provide specialized guidance to assist enterprises in using the platform effectively, ensuring a coordinated approach to service delivery [4]. Group 3: Financial Product Optimization - Banks are urged to innovate and optimize their financial product offerings to cater to the diverse needs of enterprises at different growth stages and in various industries, ensuring that all eligible businesses can access necessary financing [4]. - The goal is to enhance the quality and efficiency of financial services, thereby supporting enterprise development and contributing to the overall economic growth of the region [5].

证券日报网讯 9月25日晚间，农业银行发布公告称，近日，本行收到《国家金融监督管理总局关于农业 银行修改公司章程的批复》（金复〔2025〕561号）。自修订后的公司章程核准之日起，本行不再设立 监事会，由董事会审计委员会按照《中华人民共和国公司法》及国家有关部门规定行使监事会职权。邓 丽娟女士、黄涛先生、汪学军先生、刘红霞女士、徐祥临先生、王锡锌先生不再担任本行监事，并确认 与本行无不同意见，亦无任何其他事项需知会本行股东及债权人。 （编辑 楚丽君） ...