转自：新华财经 编辑：焦若涵 据悉，国网呼伦贝尔阿荣旗500千伏输变电工程项目是国家大型风电光伏基地项目配套工程，也是国网 集团在内蒙古第一批技术更新改造贷款项目中投资规模最大的项目，预计将于2025年11月底建成投运。 项目投运后，将有力支撑华能蒙东伊穆直流外送二期等风电项目并网，满足呼伦贝尔岭东地区超320万 千瓦新能源接入需求，成为自治区"绿电外送"战略重要一环，对推动地区绿色经济发展、促进电网网架 结构优化具有重要意义。 在绿电行业贷款投放过程中，农行内蒙古分行始终秉承"效率优先、服务到位"的原则，为企业提供差异 化金融服务，成立跨层级、跨区域的联动工作专班，紧盯绿电项目核准及建设进度，持续跟进服务，实 施绿色审批通道，提升项目服务的主动性、及时性，得到客户高度认可。截至目前，该行已累计为蒙东 地区绿电行业投放贷款286亿元。 下一步，农行内蒙古分行将持续深入践行金融工作的政治性、人民性，强化使命担当，围绕做好"五篇 大文章"、服务国家"两重两新"项目等，进一步加大金融支持力度，以实际行动积极助力实体经济高质 量发展。 8月中旬，内蒙古自治区党委、政府专门出台了推动蒙东振兴的相关措施，为高效落实自治区 ...

Group 1 - The core viewpoint of the articles highlights the recent surge in demand for high-yield large-denomination certificates of deposit (CDs) with interest rates exceeding 2%, particularly from private banks, amidst a general trend of declining deposit rates in the market [1][2][3] - Private banks are leading the high-yield CD offerings, with products like those from SuShang Bank and Shanghai Huari offering rates of 2.1% and 2.35% respectively, while major state-owned banks offer lower rates around 1.4% to 1.65% [2][3] - The limited availability of these high-yield products has created a competitive environment, with many offerings selling out quickly due to their low-risk and high-return nature [3][5] Group 2 - The trend of short-term deposits is expected to continue, driven by banks' adjustments to their product structures and clients' liquidity needs, which may lead to a shortage of long-term large-denomination CDs in the future [4] - The net interest margin for commercial banks has been under pressure, with the average margin dropping to 1.42% as of the second quarter, indicating a challenging environment for banks [5][6] - Despite the pressure on net interest margins, some banks, like China Merchants Bank, maintain a competitive edge with a net interest margin of 1.88%, suggesting that effective management of deposit structures can mitigate some of the downward pressure [5][6]

Core Viewpoint - The recent surge in demand for high-yield large certificates of deposit (CDs) from private banks highlights a competitive market environment, with rates exceeding 2% attracting significant interest from depositors [2][5][6]. Group 1: Market Dynamics - As the end of the month approaches, banks are intensifying their efforts to attract deposits, with some offering large CDs at rates above 2%, leading to a rush in subscriptions [2]. - Private banks are the main players in this high-yield competition, with products like SuShang Bank's 2-year and 3-year CDs offering rates of 2.1% and 2.3%, respectively [5]. - The overall trend indicates that while some banks are offering attractive rates, the majority of large CDs from state-owned banks remain at lower rates, making them less appealing [5][6]. Group 2: Product Availability and Demand - Many high-yield large CDs have limited availability, often selling out quickly due to their low-risk and high-return nature [6][9]. - The current market sees a scarcity of long-term deposit products, as banks are reducing deposit rates, leading to a situation where new high-yield large CDs are hard to come by [6][9]. - The demand for long-term deposits is expected to increase, but the supply of high-yield large CDs may not meet this demand in the future [7]. Group 3: Interest Rate Trends - The net interest margin for commercial banks has been under pressure, with the average margin dropping to 1.42% as of the second quarter [9]. - The trend of lowering interest rates is anticipated to continue, with banks adjusting their product structures to manage costs effectively [9][10]. - Despite the downward pressure on interest rates, the flexibility of large CDs in terms of transferability and liquidity continues to attract investors [7][9].

Core Viewpoint - Agricultural Bank of China, in collaboration with China UnionPay, launched a joint initiative to boost county-level consumption during the eighth Chinese Farmers' Harvest Festival, aligning with the national rural revitalization strategy [1][7]. Group 1: Event Overview - The launch event took place in Changde, Hunan, featuring participation from government departments, financial institutions, and corporate partners to activate county-level consumption potential [1][2]. - The theme of the event was "Golden Autumn Celebrating Harvest, Enjoying Beneficial Life," with various promotional activities and partnerships aimed at enhancing consumer engagement [2][5]. Group 2: Key Initiatives - Agricultural Bank introduced "Ten Beneficial Measures" to stimulate county-level consumption, focusing on aspects such as commercial district development, product innovation, credit support, and cultural tourism [7]. - The bank aims to develop commercial districts by leveraging its extensive network of over 30,000 offline merchants in counties, addressing diverse consumer needs [7]. - Innovative products like the "Beneficial Life Card" were launched to cater to local consumption habits, offering cashback and fee waivers to stimulate spending [8]. - The bank is expanding credit support for large purchases, promoting installment plans for automobiles and home renovations, and conducting over 600 "micro car exhibitions" in various counties [9]. - The initiative also supports cultural and tourism consumption by aligning with the Ministry of Culture and Tourism's action plan, organizing "County Tourism Festivals" to attract consumers to rural areas [9].

Core Viewpoint - Agricultural Bank of China Shanghai Branch is committed to enhancing financial consumer protection by implementing a comprehensive consumer protection system and integrating it with business operations to support the construction of Shanghai's "five centers" [1][4]. Group 1: Comprehensive Consumer Protection System - The bank has established an independent consumer protection department, the first of its kind in the system, to enhance the professionalism of consumer protection work [1][2]. - The "one leader" initiative assigns the bank's president to directly oversee consumer protection, promoting integration with corporate governance [1][2]. - A three-tier consumer protection contact mechanism has been created, involving branch, sub-branch, and outlet levels, to improve accountability and efficiency [2][3]. Group 2: Full-Process Consumer Protection Mechanism - The bank has developed a "Smart Consumer Protection" system to enhance preemptive measures against consumer issues, integrating compliance checks into the product service process [3]. - A complaint management team has been formed to streamline communication with consumer protection hotlines and enhance complaint resolution efforts [3]. - The bank emphasizes source governance and continuous improvement in response to consumer complaints, focusing on customer and employee satisfaction [3]. Group 3: Special Group Services - The bank has launched dedicated services for elderly clients, including the establishment of a model elderly financial service outlet and the upgrade of 114 outlets for senior-friendly services [5]. - Innovative products have been developed for entrepreneurial clients, addressing financing challenges faced by small and micro enterprises [5]. Group 4: Financial Education and Brand Building - The bank is actively promoting its "Consumer Protection Knowledge" brand through various public events and media campaigns to enhance financial literacy [6]. - New media initiatives, including the production of micro-films, are being utilized to educate consumers about financial risks and scams [6]. - A culture of consumer protection awareness is being fostered within the organization, with extensive training and outreach activities reaching over 10 million consumers [6].

同时，东门支行提供消费者服务保障措施，网点设立消费者权益保护咨询台，配备宣传折页与投诉登记 表等等，为客户提供放心的金融环境。 金融消费关乎民生幸福。农业银行济南东门支行始终践行"客户至上"服务理念，与客户共同构建和谐、 安全的金融环境！ 近日，农行济南历下东门支行迎来了金融教育宣传周，围绕"保障金融权益，助力美好生活"主题，积极 开展消费者权益保护宣传活动，旨在提升消费者维权意识，推动金融消费环境公平。 当前，消费领域仍存在虚假宣传、霸王条款、产品质量缺陷等侵害权益现象。许多消费者因维权知识不 足，常常选择沉默。本次活动将通过案例解析、发放宣传折页等形式，为来到农行济南历下东门支行的 客户普及《消费者权益保护法》，为客户讲解识别欺诈技巧、投诉流程等方法，帮助大家敢维权、会维 权。 ...

此次活动的成功开展，不仅有效增强了客户，尤其是风险防范能力较弱群体的自我保护意识，更是农行 解放路支行积极履行社会责任、践行金融为民理念的生动实践，拉近了银行与客户之间的距离，营造了 安全、稳定的金融环境。 活动期间，支行员工充分利用客户业务办理的等候时间，通过设立金融宣传角、发放折页、播放警示短 片等多种形式，营造了浓厚的宣教氛围。工作人员耐心细致地为每一位有需要的客户讲解基础金融知 识，内容包括如何安全使用电子银行、识别正规投资渠道、维护良好个人信用记录等实用内容。并且， 此次宣传特别加强了防诈专项讲解。工作人员结合身边发生的真实案例，用通俗易懂的方言，向叔叔阿 姨们揭秘了"以房养老"、"投资返利"、"冒充公检法"等常见骗局的作案手法和特点，并反复叮嘱"不轻 信、不透露、不转账"的三不原则，现场演示了如何有效识别可疑电话和短信。贴心的提醒和实用的知 识，赢得了在场中老年客户的高度赞许，大家纷纷表示这些知识"非常及时、特别管用"。 近日，以金融教育宣传周为契机，农行济南历下解放路支行积极开展金融知识普及公益活动，主动将网 点厅堂变为金融宣教前沿阵地，切实提升公众金融素养，彰显金融机构的责任与担当。 ...

不仅如此，燕山支行还主动走进辖区的多家企业。在企业里，员工们结合企业常见的金融业务场景，重 点讲解了如何防范针对企业的电信诈骗、如何识别金融票据真伪、以及保护企业账户资金安全的注意事 项。通过具体的案例分析和实用的操作指南，有效提升了企业财务人员的风险防范意识和能力。 通过本次活动，实实在在地为泉城市民和企业的金融安全增添了一份保障。燕山支行承诺，金融安全的 守护不会止步于此，相关知识的普及和风险提示工作将融入日常服务，持续为"美好生活"保驾护航。 在明亮整洁的支行厅堂里，员工们热情地为等候办理业务的客户讲解着当下高发的电信诈骗案例。他们 仔细拆解那些常见的骗术套路，比如冒充公检法、虚假网络贷款、刷单返利等等，用真实的案例提醒大 家时刻保持警惕，牢记"不听、不信、不转账"的原则。同时，他们还手把手地教客户们如何识别假币， 通过观察水印、触摸凹凸感、查看光变油墨等实用技巧，让客户掌握保护自己现金安全的本领。对于一 些前来咨询理财的客户，员工们则耐心地讲解安全理财的基础知识，引导大家认清风险、选择正规渠 道。 走出网点，燕山农行的"金融安全宣传小分队"活跃在附近的街道和社区。他们设立流动宣传点，向过往 行人、街边 ...

Core Viewpoint - Agricultural Bank of China (ABC) demonstrates a strong commitment to customer service by providing on-site assistance to elderly clients who face difficulties accessing banking services due to mobility issues [1] Group 1: Customer Service Initiative - A customer contacted ABC's Jinan Beiyuan branch for help regarding a time deposit that was due, which required personal presence for withdrawal due to lack of a password [1] - The branch manager prioritized the customer's needs and activated an emergency on-site service plan, sending two staff members to the elderly customer's home [1] - The staff completed necessary procedures such as identity verification and consent confirmation, allowing the customer's family to successfully withdraw the deposit [1] Group 2: Service Philosophy - ABC Beiyuan branch adheres to a "customer-centric" service philosophy, ensuring that financial services are convenient, secure, and compassionate [1] - The bank's actions reflect its commitment to social responsibility and dedication to serving the community [1]

Core Viewpoint - The article highlights a heartwarming incident at the Agricultural Bank of China, where staff provided exceptional service to an elderly customer who needed assistance in exchanging over 800 coins for paper currency, showcasing the bank's commitment to customer care and community service [1][2] Group 1: Customer Service - The Agricultural Bank of China staff took over an hour to meticulously count and exchange more than 800 coins for the elderly customer, demonstrating patience and dedication to service [1] - The bank's employees, including a new customer service manager and an experienced staff member, worked collaboratively to ensure accurate counting and handling of the coins, some of which were too oxidized for machine counting [1] - The elderly customer expressed deep gratitude for the service, highlighting the positive impact of the bank's approach on customer satisfaction [1] Group 2: Community Engagement - The bank emphasizes that financial services should include humanistic care, particularly for marginalized groups such as the elderly, reflecting a broader commitment to community needs [2] - The incident illustrates the bank's philosophy of "serving the people," reinforcing the idea that banking services should convey respect and care for every customer [2] - The Agricultural Bank of China aims to provide warmth and support through its services, ensuring that customers feel valued and respected [2]