近日，中国工商银行长春开发区支行成功为外籍客户高效办理紧急跨境汇款业务，帮助其在离境前顺利 划转在华工资收入。为表达谢意，客户专程送来费列罗巧克力，用"甜蜜"回馈该行专业贴心的金融服 务。 此次业务的高效办结，不仅检验了该行在涉外业务专业能力、外语沟通水平、跨部门协同效率等方面的 综合实力，更生动诠释了"以客户为中心"的服务理念。未来，该行将持续聚焦中外客户跨境金融需求， 进一步强化外汇政策解读、跨境业务操作等专业技能培训，优化"材料预审、专人对接、加急办理、全 程跟踪"的全流程服务模式，以更高效、更专业、更贴心的金融服务，为跨境资金流通搭建安全便捷的 桥梁，彰显国有大行的责任与担当。（来源：中国工商银行） （注：此文属于央广网登载的商业信息，文章内容不代表本网观点，仅供参考。） 为确保业务在离境期限前办结，支行启动业务应急服务机制：安排专人对接学校行政部门，协助协调出 具规范的工作证明与工资明细；同步提供税务机关地址导航、完税证明办理流程指引等"全链条"协助， 全程跟进材料准备进度。客户返回网点后，支行立即开通跨境金融绿色通道，仅用20分钟便完成购汇级 跨境汇款等业务流程，高效完成了业务办理。 "离境前能如 ...

一位焦急的新加坡籍客户在工行通化山城支行感受到了"家"的温暖，高效的业务办理和细致的延伸服务 赢得了客户亲笔英文感谢信。这背后，是中国工商银行通化分行创新优化外汇金融服务，打造区域首选 外汇银行的一个生动缩影。 日前，一位新加坡籍客户焦急地走进中国工商银行通化山城支行。他表示急需办理银行卡，但已在镇上 多家银行碰壁。网点运营主管热情接待，耐心沟通，全程未使用生硬的专业术语。在她的高效协调下， 柜员迅速为客户开立了银行卡。更让客户惊喜的是，网点还主动协助其申请并绑定了微信支付，详细指 导使用方法。客户对网点细致、耐心、高效的服务赞不绝口，称此次回乡省亲因工行的服务而倍感完 美。由于中文书写不便，他特意用英文写下表扬信，表达对工行专业、暖心服务的充分肯定与高度赞 赏。客户感慨："还是工商银行的服务专业、暖心！" 这一暖心案例正是工行通化分行致力于提升跨境服务能力、优化外籍客户体验的成果体现。面对全球产 业链重构与贸易数字化趋势，该行积极整合资源，将国际化视野与本地化服务深度融合，显著提升了外 贸金融服务的覆盖面和精准度。 为打造"域内第一外汇金融银行"，工行通化分行推出了一系列扎实举措： 便捷开户支付：所有网点均 ...

目前，工银瑞信基金的总经理和两位副总经理均出自控股股东工商银行。上述人士认为，两位资产 管理领域资深老将的同时到任，标志着控股股东工商银行对工银瑞信的支持与协同持续加强。公司将继 续保持稳进态势，为下一步发展打好坚实基础。 据知情人士告诉《国际金融报》记者，工银瑞信基金两位新高管杨帆、张桦均为资管行业及金融领 域资深老将。 根据工银瑞信基金公告，杨帆于2005年6月加入中国工商银行，历任总行金融市场部副处长、处 长，工银亚洲联席主管、主管。2017年12月至今年9月，历任工行总行资产管理部副总经理兼工银资管 （全球）总经理，工行深圳分行党委委员、副行长。2025年加入工银瑞信基金，自11月21日起担任总经 理一职。 工行内部知情人士评价称，杨帆"工作经历丰富，学习能力强，专业能力突出，熟悉包括资产管理 在内的多个业务条线"，"既懂专业，又善于定思路和抓落实，之前负责过的各项业务发展都非常出 色"。 张桦于2005年5月加入中国工商银行，历任总行金融市场部副处长、处长。2018年1月至2025年7 月，历任工行总行金融市场部总经理助理、副总经理。2025年加入工银瑞信基金，自11月21日起担任副 总经理一职。 ...

机构认为，银行股近日表现活跃有以下核心驱动因素： 政策方面，央行近期发布的《2025年第三季度中国货币政策执行报告》称，增强银行资产和负债端利率调整的联动性，支持银行稳定净 息差，拓宽货币政策逆周期调节空间。国投证券认为，若未来LPR下调采取存款利率同步调整的中性方式，对银行息差影响有限。 从估值角度看，国投证券表示，目前A股银行板块PB为0.73倍，港股国有大行PB估值约为0.55倍，与国际主流经济体银行业估值相比仍显 著偏低。2022年至今，银行板块的行情本质上是估值重估、中枢抬升的逻辑，银行估值修复行情未结束。此外，银行股股息率显著高于 无风险利率，在当前低利率环境下形成"股息率＞利率"的配置逻辑。 本周（11月17日至21日），A股市场出现较大幅度回调。前期强势的科技股回落，市场避险情绪升温，银行股成交相对活跃，其中，超2 万亿市值的中国银行股价屡创新高，本周5个交易日有3次创历史新高。 Choice数据显示，本周共有46只个股股价创历史新高（不含近一年上市的次新股，按前复权价、涨跌幅复权算法统计，下同），较上周 的83只大幅减少。拉长时间维度看，今年以来截至11月21日，已有1003只个股股价创历史 ...

本周（11月17日至21日），A股市场出现较大幅度回调。前期强势的科技股回落，市场避险情绪升温，银行股成交相对活跃，其中，超2 万亿市值的中国银行股价屡创新高，本周5个交易日有3次创历史新高。 Choice数据显示，本周共有46只个股股价创历史新高（不含近一年上市的次新股，按前复权价、涨跌幅复权算法统计，下同），较上周 的83只大幅减少。拉长时间维度看，今年以来截至11月21日，已有1003只个股股价创历史新高。 上述46只个股中，按照申万一级行业进行划分， 电力设备、基础化工、机械设备行业创新高的个股较为集中，均为6只；电子行业创新高 个股大幅减少至3只，此前3周均在10只以上。从上市板块看，主板股票有31只、科创板股票有6只、创业板股票有5只、北交所股票有4 只。 从估值角度看，国投证券表示，目前A股银行板块PB为0.73倍，港股国有大行PB估值约为0.55倍，与国际主流经济体银行业估值相比仍显 著偏低。2022年至今，银行板块的行情本质上是估值重估、中枢抬升的逻辑，银行估值修复行情未结束。此外，银行股股息率显著高于 无风险利率，在当前低利率环境下形成"股息率>利率"的配置逻辑。 从基本面看，银行业绩今年 ...

全国性股份制商业银行构成第二梯队，头部表现突出。在12家股份行中，10家集中在榜单第5至30名区 间。招商银行以亮眼的盈利效率、发展潜力及成长稳健性位列总榜第五，成为股份制银行领军者；中信 银行和兴业银行分列第八、九名，总得分相差无几；浦发银行、光大银行、民生银行、平安银行、华夏 银行依次跻身前20名，广发银行、浙商银行位列前30名。恒丰银行、渤海银行排名分别为第59名和第64 名。整体来看，全国性股份制商业银行在业务创新与客户服务领域各有侧重、特色 鲜明，其中头部机 构依托差异化竞争策略，进一步拉大了与尾部机构的差距，行业 内部分化格局愈发明显。 城商行成为榜单中数量最多的群体，53家机构入选占据半壁江山，区域优势成为核心竞争力。江苏银行 以强劲的盈利能力和发展动能排名第17名，领跑城商行阵营；上海银行凭借高成长性、宁波银行依托高 盈利性分别位列第18、19 名，深耕本地市场成效显著；北京银行、南京银行、成都银行等头部城商行 跻身前30名，在区域金融服务和中小企业支持领域形成核心优势；贵阳银行、长沙银行等多家城商行得 分接近，区域竞争力不相上下；潍坊银行、日照银行等中小城商行则凭借灵活的经营机制与精准的市场 ...

Market Performance - The Shanghai Composite Index rose by 0.38% while the Shenzhen Component Index fell by 0.05% and the ChiNext Index decreased by 0.52% [1] - Over 3,000 stocks declined across both markets, with a total trading volume of 1.11 trillion yuan [1] Sector Performance - The consumer sectors, including tourism, hotels, food, and retail, showed weakness, with significant declines in stocks such as Shuiyang Co., Nanjing Shanglv, and Yike Food [3] - The banking sector performed strongly, with China Bank and Industrial and Commercial Bank reaching historical highs [3] - The lithium battery supply chain was active, with stocks like Baichuan Co. hitting the daily limit [3] - The photolithography concept continued to show strength, with Guofeng New Materials achieving two consecutive trading limits [3] Corporate Actions - China International Capital Corporation, Dongxing Securities, and Xinda Securities announced a suspension of trading due to plans for a major asset restructuring, involving a share swap merger [3] Economic Indicators - The probability of the Federal Reserve lowering interest rates by 25 basis points in December is estimated at 32.7% [3]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Shandong Branch is actively promoting rural revitalization through its "Xingnong Cuohe" platform, providing comprehensive services to support agricultural modernization and enhance the rural economy [1][2][4]. Group 1: Agricultural Modernization Initiatives - ICBC Shandong Branch has organized over 300 activities related to policy promotion, product introduction, and supply-demand matching, serving more than 47,000 agricultural operators by the end of October 2025 [1]. - The bank aims to create a new model of integration among government, banks, enterprises, and farmers, effectively linking land, technology, capital, and markets to promote the distribution of specialty agricultural products nationwide [2]. Group 2: Cross-Border Services and Support - During the 8th China International Import Expo, ICBC Shandong Branch facilitated connections between local SMEs and nearly 30 international suppliers, providing comprehensive support for enterprises to explore international markets [3]. - The bank has established a product information database for over 180 specialty products from targeted assistance areas, fostering stable order cooperation with large chain supermarkets and food processing companies [3]. Group 3: Participation in Agricultural Events - ICBC Shandong Branch showcased its rural revitalization initiatives at the first Shandong (International) Agricultural Products Trade Fair, featuring nearly 10,000 specialty agricultural products and over 1,000 participating enterprises [4]. - The bank promoted its "Qilu Xingnong Loan" product, offering a full range of financial services to agricultural clients, enhancing the efficiency and accessibility of financial support for rural development [4]. Group 4: Supply Chain and Financial Support - The bank has provided over 5 billion yuan in loans to support agricultural logistics and storage projects, ensuring efficient operation of wholesale markets and supermarkets [5]. - A total of over 50 billion yuan has been allocated to support facility agriculture and large-scale farming, enhancing production capacity in key regions [5]. - The "Qilu Xingnong Loan" system has added nearly 30 billion yuan in loans to address financing challenges faced by small agricultural enterprises and cooperatives [5].

Investment Rating - The report indicates a positive investment outlook for Chinese enterprises going global, with a projected increase in foreign direct investment (FDI) to 1.16 trillion RMB in 2024, reflecting an 11.30% year-on-year growth [8]. Core Insights - Chinese enterprises are actively exploring new pathways for international expansion, adapting strategies in response to geopolitical challenges and evolving market conditions [4][8]. - The ASEAN region has emerged as a key destination for Chinese investment, with its share of China's outbound investment rising from 6.34% in 2014 to 17.88% in 2024 [8]. - The structure of China's outbound investment is shifting, with significant increases in the wholesale, retail, and manufacturing sectors, indicating a deeper integration into global value chains [8][52]. Summary by Sections Part A: Challenges and Pathways for Chinese Enterprises Going Global - The Chinese government is committed to high-quality outbound investment, emphasizing the importance of maintaining a stable international economic environment despite rising geopolitical tensions [18][19]. - The share of China's exports in global trade is projected to reach 14.64% in 2024, maintaining its position as the world's largest exporter [19][23]. - Chinese enterprises are increasingly focusing on the ASEAN region for investment, with a notable rise in direct investment since the implementation of the RCEP [44][52]. Part B: Financial Support for Outbound Expansion - Chinese financial institutions are enhancing their overseas presence, with major banks establishing branches in numerous countries to support outbound enterprises [9]. - There is a strong emphasis on integrating domestic and international resources, with banks providing cross-border credit and financing solutions for projects under the Belt and Road Initiative [9][11]. - Innovative financial products and services are being developed to support overseas investments, including specialized loans for infrastructure projects and comprehensive solutions for cross-border e-commerce [9][11]. Part C: Future Outlook and Recommendations - Recommendations include optimizing overseas network construction, enhancing multi-tiered financial service systems, and expanding the use of cross-border RMB [12][13]. - A comprehensive risk management system is suggested to help enterprises navigate geopolitical uncertainties and market volatility [12][13]. - Strengthening collaboration between financial institutions and industries is crucial for supporting enterprises in their global expansion efforts [12][13].

Core Viewpoint - The banking sector is experiencing a significant inflow of funds, indicating a potential new cycle of stable profitability, driven by a combination of favorable policies, improving performance, and changing market conditions [1][2][3]. Group 1: Market Performance - On November 20, the banking sector saw a net inflow of 2.16 billion yuan, leading all sectors in the Shenwan first-level industry classification [1]. - The overall trading volume for banking stocks reached 42.51 billion yuan, with main funds flowing in at 23.30 billion yuan and flowing out at 21.14 billion yuan [1]. - High dividend yields in the banking sector are attracting funds as a reliable "safe haven" amid market volatility [1]. Group 2: Policy Environment - The central bank aims to maintain relatively loose social financing conditions and strengthen the execution and transmission of monetary policy [2]. - There is an expectation of a reasonable slowdown in loan growth due to structural changes in social financing and economic development [2]. - Structural monetary policy tools are being implemented to support key areas of the economy, enhancing the banking sector's ability to operate steadily [2]. Group 3: Performance Improvement - By Q3 2025, commercial banks' net profit increased by 2% year-on-year, with large commercial banks and city commercial banks seeing profit growth of 4% and 9%, respectively [2]. - The optimization of credit structure and consumer policy support are expected to further improve banks' asset quality and profitability [2]. Group 4: Future Outlook - Analysts believe the banking sector is entering a new cycle of stable profitability, with long-term capital still actively entering the market [3]. - A favorable macro environment, including potential improvements in PPI and long-term interest rates, could enhance the banking sector's profitability [3]. - The strategy of combining leading banks with smaller banks is expected to elevate valuations, with specific banks like Industrial Bank and CITIC Bank showing potential for price elasticity [3]. Group 5: Valuation and Investment Appeal - The banking sector's valuation remains low historically, making it attractive for medium to long-term investments [4]. - High dividend assets represented by state-owned banks offer significant value compared to risk-free rates [4]. - Recommended stocks include CITIC Bank, Construction Bank, Agricultural Bank, and others, highlighting their investment appeal [4].