当清晨的第一缕阳光洒向城市街巷，快递小哥用手机完成收款提现；田间地头的农户轻点屏幕，就 能获得春耕备耕的信贷支持；社区的屋檐下，银发老人通过简化版App轻松缴纳水电费……这些渗透在 日常生活中的金融场景，正是工商银行以金融活水赋能实体经济、滋养民生福祉的生动缩影。 金融活，经济活；金融稳，经济稳。党的二十届四中全会通过的《中共中央关于制定国民经济和社 会发展第十五个五年规划的建议》中，对"十五五"时期，加快建设金融强国，大力发展科技金融、绿色 金融、普惠金融、养老金融、数字金融等进行战略部署。这为"十五五"时期经济社会发展绘就宏伟蓝 图，也对下一阶段提升金融机构服务实体经济质效、支持重点领域建设指明了方向。 "十四五"时期，工商银行始终锚定"国之大者"，将服务实体经济作为根本宗旨，把金融创新与发展 需求深度融合，在科技金融、绿色金融、普惠金融、养老金融、数字金融"五篇大文章"领域深耕细作。 站在"十四五"与"十五五"交替的关键节点，工行正以亮眼业绩交出优异答卷，更以奋进姿态开启新 篇，为基本实现社会主义现代化注入坚实金融力量。 浇灌科技之花 赋能自立自强 科技创新是引领发展的第一动力，而科技金融作为金融"五篇 ...

声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 国家知识产权局信息显示，中国工商银行股份有限公司取得一项名为"跨系统资源的访问方法、装置、 程序产品及电子设备"的专利，授权公告号CN118473744B，申请日期为2024年5月。 来源：市场资讯 天眼查资料显示，中国工商银行股份有限公司，成立于1985年，位于北京市，是一家以从事货币金融服 务为主的企业。企业注册资本35640625.7089万人民币。通过天眼查大数据分析，中国工商银行股份有 限公司共对外投资了28家企业，参与招投标项目5000次，财产线索方面有商标信息988条，专利信息 5000条，此外企业还拥有行政许可77个。 ...

国家知识产权局信息显示，中国工商银行股份有限公司取得一项名为"主备域名切换方法、装置、设 备、介质和产品"的专利，授权公告号CN119696916B，申请日期为2024年12月。 来源：市场资讯 天眼查资料显示，中国工商银行股份有限公司，成立于1985年，位于北京市，是一家以从事货币金融服 务为主的企业。企业注册资本35640625.7089万人民币。通过天眼查大数据分析，中国工商银行股份有 限公司共对外投资了28家企业，参与招投标项目5000次，财产线索方面有商标信息988条，专利信息 5000条，此外企业还拥有行政许可77个。 声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 ...

Group 1 - The core point of the article is that the Industrial and Commercial Bank of China (ICBC) has obtained a patent for a "mail security communication method, device, equipment, and medium," with the authorization announcement number CN118214587B and an application date of March 2024 [1] Group 2 - ICBC was established in 1985 and is located in Beijing, primarily engaged in monetary financial services [1] - The registered capital of ICBC is approximately 35.64 billion RMB [1] - According to data analysis, ICBC has invested in 28 enterprises, participated in 5,000 bidding projects, has 988 trademark information entries, and holds 5,000 patent information entries, along with 77 administrative licenses [1]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) has raised the minimum deposit requirement for its three-year large-denomination certificates of deposit (CDs) to 1 million yuan, while still offering a lower threshold of 200,000 yuan for another product, both with an interest rate of 1.55% [1][2][4]. Summary by Sections Product Offerings - ICBC offers two types of three-year large-denomination CDs: one with a minimum deposit of 1 million yuan, which is currently sold out, and another with a minimum of 200,000 yuan, which still has a remaining balance of over 10 million yuan [1][2]. - Other banks, such as Agricultural Bank of China, also offer three-year CDs with varying minimum deposit requirements, including a product with a 500,000 yuan minimum [4][5]. Market Dynamics - The adjustment in deposit thresholds by major banks reflects a strategic move to manage liabilities more effectively in a low net interest margin environment, aiming to reduce high-cost long-term liabilities [1][9]. - The trend of raising minimum deposit requirements is seen as a way to filter out ordinary depositors and attract high-net-worth clients, thereby optimizing the customer structure [1][6]. Interest Rate Environment - The interest rates for three-year large-denomination CDs are currently set at 1.55%, which is consistent across several banks, indicating a stable yet competitive market for these products [2][4]. - The overall banking sector is experiencing a structural adjustment, with large state-owned banks reducing high-cost deposit products while some smaller banks are increasing interest rates to attract deposits [7][8]. Future Outlook - Analysts predict that the interest rates for large-denomination CDs may continue to decline due to ongoing pressure on banks' net interest margins and potential further reductions in policy rates by the central bank [10][11]. - The demand for large-denomination CDs is expected to remain strong in the short term due to their perceived safety and stability, particularly among risk-averse investors [10][12].

李可 融安e信平台依托大数据分析,有效整合社会公信体系等多方权威信息。一方面,能实时识别诈骗电话、短 信和链接,对涉嫌欺诈的犯罪行为及时发出风险提示和自动预警,从源头上降低诈骗成功率；另一方面,可 查询企业信息、法人涉诉信息、失信信息等风险情况,全面了解企业状况,及时发现失信、涉诈等潜在风 险,有效提升融资业务风险管理水平,为防范外部欺诈筑牢屏障。 广泛宣传,助力快速止损 工行菏泽分行对融安e信的宣传推广工作制定了明确任务,并逐步推进落实。首先做好员工内部培训,让员 工了解产品特点、功能、使用方法及服务管理要求,以便结合目标客户的产品需求,为客户分析产品特点 及优势,实现精准营销。各网点通过电子显示屏不间断播放产品宣传标语,将产品资料摆放在柜台醒目位 置,对意向客户进行面对面讲解。此外,还通过走访企业用户,推广融安e信的反欺诈手段,提升企业用户信 任度,帮助其规避融资风险。 精准掌握,有效防范金融风险 该分行将继续履行国有大行的社会责任,凭借优质的金融产品和高效的服务质量,在助力社会高效治理、 防范化解金融风险等方面积极作为,为维护社会安全稳定和保障群众资金安全贡献金融力量。 通讯员 刘宏明 菏泽报道 融安e ...

Market Overview - The Hang Seng Index increased by 175.17 points, or 0.68%, closing at 25,935.9 points with a total turnover of HKD 179.306 billion [1] - The National Enterprises Index rose by 77.93 points, or 0.86%, closing at 9,106.48 points [1] - The Hang Seng Tech Index gained 80.51 points, or 1.45%, closing at 5,615.43 points [1] Blue-Chip Stocks - Tencent Holdings rose by 0.16%, closing at HKD 612 [1] - Hong Kong Exchanges and Clearing increased by 0.54%, closing at HKD 406.4 [1] - China Mobile saw a rise of 0.17%, closing at HKD 87 [1] - HSBC Holdings increased by 0.27%, closing at HKD 111.5 [1] Local Hong Kong Stocks - Cheung Kong Holdings increased by 0.3%, closing at HKD 40.7 [1] - Sun Hung Kai Properties decreased by 0.2%, closing at HKD 98.65 [1] - Henderson Land Development rose by 0.62%, closing at HKD 29.34 [1] Chinese Financial Stocks - Bank of China increased by 0.67%, closing at HKD 4.51 [1] - China Construction Bank rose by 1.02%, closing at HKD 7.92 [1] - Industrial and Commercial Bank of China increased by 0.91%, closing at HKD 6.22 [1] - Ping An Insurance rose by 0.44%, closing at HKD 56.65 [1] - China Life Insurance increased by 1.67%, closing at HKD 26.76 [1] Oil and Petrochemical Stocks - China Petroleum & Chemical Corporation decreased by 0.22%, closing at HKD 4.5 [1] - China National Petroleum Corporation rose by 0.23%, closing at HKD 8.8 [1] - CNOOC Limited increased by 0.92%, closing at HKD 21.9 [1]

六大国有行中期分红将陆续发放！邮储银行最新公告，将于2026年2月13日派发中期股息每10股1.23 元，合计派息约147.72亿元。除邮储银行外，其他五家国有银行也计划明年1月进行中期分红。其中， 工商银行拟每10股派1.414元（含税），派息约503.96亿元，派息规模最大，建行、农行派息规模超过 400亿元。六家国有银行合计派息规模约2046.57亿元。银行中期分红从"可选项"逐渐转变为"常规动 作"，与近年来监管层持续倡导密不可分。业内认为，这既是银行响应监管号召、稳定投资者预期，也 折射出上市银行盈利稳健性与现金流的持续巩固。 ...

精准支持产业低碳转型。该行聚焦企业节能降碳核心需求，提供针对性金融解决方案，成功为某重点企 业节能降碳技术改造项目审批发放4000万元设备购置贷款，专项用于支持双辊挤浆机、蒸汽箱等核心节 能设备的购置与安装。这笔期限5年的贷款，将有效助力企业优化生产工艺流程，显著降低能源消耗与 碳排放水平，推动企业实现绿色升级。 转自：新华财经 在绿色发展成为时代主旋律的当下，工商银行钦州分行积极实践绿色金融，将绿色金融作为服务实体经 济、推动区域高质量发展的重要抓手，通过精准施策、创新服务，在支持产业低碳转型、清洁能源发 展、生态修复保护等方面取得积极成效，为构建区域低碳发展新路径贡献金融力量。截至2025年10月 末，该行绿色贷款余额达36.14亿元，切实将"点绿成金"的理念转化为扎实的行动与可见的成效。 全力守护江河生态本底。该行积极投入水资源保护与流域治理，大力支持南流江支流（灵山段）环境综 合治理工程，信贷资金有效保障了当地污染治理与生态修复工程顺利实施，显著改善流域水环境质量， 探索生态保护与沿岸产业绿色升级的协同发展模式，为流域经济可持续发展铺就绿色通道。 通过持续深耕绿色金融领域，该行不仅有力守护了钦州的绿水 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Yangzhou Branch has actively engaged with local manufacturing enterprises to meet their financial needs, successfully providing a loan for a significant provincial manufacturing project, thereby supporting the transformation and high-quality development of local manufacturing [1][2]. Group 1: Financial Support Initiatives - ICBC Yangzhou Branch formed a specialized service team to proactively connect with enterprises after the provincial industry and information technology department released a list of major projects [1]. - The bank completed the credit approval process within one week, demonstrating its efficient and pragmatic service capabilities [1]. - The bank's strategy included a "three-line advance" approach to secure exclusive cooperation opportunities, which involved enhancing senior-level connections, optimizing credit conditions, and dynamically improving financing plans [1]. Group 2: Impact on Local Development - The successful loan issuance is seen as a significant step in the bank-enterprise collaboration, marking a new phase in their partnership [2]. - ICBC aims to further integrate into local development initiatives and deepen the connotation of financial services, establishing a comprehensive financial support system covering supply chains, green low-carbon initiatives, and cross-border trade [2].