12月2日晚间，邮储银行发布公告，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，占2025年上半年归母净利润的30%。 部分银行分红比例提升 银行中期分红从"可选项"逐渐转变为"常规动作"，与近年来监管层的持续倡导密不可分。 2023年12月中旬，中国证监会发布《上市公司监管指引第3号——上市公司现金分红》，该指引修订内 容主要有三个方面，其中包括简化中期分红程序，推动进一步优化分红方式和节奏。鼓励公司在条件允 许的情况下增加分红频次。新"国九条"也提出，"加大对分红优质公司的激励力度，多措并举推动提高 股息率。增强分红稳定性、持续性和可预期性，推动一年多次分红、预分红、春节前分红。" 尽管面临净息差持续收窄等周期性挑战，但上市银行，尤其是国有大行和部分优质股份制银行，依然展 现出较强的盈利韧性和分红意愿。且记者注意到，部分上市银行此次提出的中期分红比例进一步提升。 如上海银行2025年中期现金分红比例进一步提升至32.22%；沪农商行2025年中期分红比例为33.14%， 较2024年的中期分红比例继续小幅提升。 《中国经营报》记者梳理发现，除邮储银行外，其他五家国有 ...

Core Viewpoint - The latest issuance of 3-year large-denomination certificates of deposit (CDs) by Industrial and Commercial Bank of China (ICBC) has seen the minimum deposit requirement raised to 1 million yuan, with an interest rate of 1.55%, which is currently sold out [1][4]. Group 1: Large-Denomination CDs - The interest rate for the 3-year large-denomination CDs is set at 1.55% with a minimum deposit of 1 million yuan [2][3]. - Previously, ICBC offered a 3-year large-denomination CD with a minimum deposit of 200,000 yuan, also at an interest rate of 1.55% [1][4]. - Other banks, including China Construction Bank, Agricultural Bank of China, and Bank of China, are also offering 3-year large-denomination CDs with a minimum deposit of 200,000 yuan at the same interest rate of 1.55% [4]. Group 2: Market Dynamics and Strategies - The increase in the minimum deposit requirement for large-denomination CDs without a corresponding increase in interest rates reflects banks' proactive liability management strategies in a low-interest-rate environment [4]. - By raising the minimum deposit amount, banks are effectively tightening the supply of large-denomination CDs, aiming to optimize their liability structure and reduce reliance on high-cost deposits [4]. - The main advantages of large-denomination CDs over regular deposits, despite the current interest rate trends, include higher liquidity and flexibility, such as transferability and collateral options, making them suitable for large depositors with short-term capital needs [4].

Core Viewpoint - The recent increase in the minimum deposit requirement for large time deposits at Industrial and Commercial Bank of China (ICBC) to 1 million yuan is seen as a strategy to exclude lower-income depositors from accessing higher interest rates [1][5]. Group 1: Changes in Deposit Products - ICBC has launched a new three-year large time deposit with a minimum deposit requirement of 1 million yuan and an interest rate of 1.55%, significantly higher than the typical 200,000 yuan threshold at most banks [1]. - The interest rates for various deposit products have been declining, with the three-year fixed deposit rate dropping to 1.25% and the five-year fixed deposit rate at 1.30% [2][3]. Group 2: Banking Strategy and Market Implications - The increase in deposit thresholds is a response to the growing proportion of long-term deposits, which are locked in at higher rates than current lending rates, leading to profit erosion for banks [2][5]. - ICBC's actions may prompt other major banks to follow suit, potentially leading to a broader trend of increasing minimum deposit requirements for large time deposits [7]. Group 3: Recommendations for Depositors - Depositors are advised to seek alternative savings options, such as smaller banks or financial products with higher interest rates, as traditional savings accounts may not keep pace with inflation [7][8]. - It is suggested that individuals consider investing in low-risk financial products or enhancing personal skills rather than relying solely on bank deposits for wealth preservation [8].

2025年，是"绿水青山就是金山银山"理念提出20周年，是"双碳"目标提出5周年，也是中央金融工作会 议明确"绿色金融"等五篇大文章2周年。近年来，烟台金融监管分局紧紧围绕烟台市绿色低碳高质量发 展大局，深入贯彻落实国家及省市相关政策部署，坚持监管引领与服务实体相结合，引导辖区大型银行 切实发挥"头雁"作用，持续聚焦重点领域、优化金融服务、深化金融创新，为打造绿色低碳高质量发展 示范城市注入强劲动力。 引领信贷总量稳步增长 实现绿色规模"新突破" 烟台金融监管分局通过制定工作指引、开展季度监测、实施差异化监管等措施，引导大型银行持续加大 绿色信贷投放力度。截至2025年10月末，辖区大型银行绿色贷款余额突破1300亿元大关，较年初增幅达 20.8%，高于各项贷款平均增速9.73个百分点。在规模稳步增长的同时，信贷质量保持优异水平，绿色 贷款不良率仅为0.006%，远低于各项贷款平均水平。绿色贷款客户覆盖面显著扩大，存量户数突破1.65 万户，较年初增幅12.05%。绿色贷款占全部贷款比重提升至25.6%，较年初提高2.07个百分点，绿色金 融已成为信贷增长的重要引擎。 推动流程体系健全优化 构建绿色融资"新格 ...

Core Viewpoint - The importance of legal construction in the financial industry is emphasized as a core force supporting high-quality development, with a focus on integrating legal principles into business management and risk prevention [1][4]. Group 1: Legal Framework and Compliance - The central financial work meeting highlights the need to strengthen financial legal construction and advance legislation in key and emerging areas to safeguard the financial sector [1]. - Agricultural Bank of China has been enhancing compliance management mechanisms and integrating legal education into leadership assessments to foster a culture of lawfulness [2]. - Minsheng Bank in Chongqing has established a leadership group to oversee legal construction, ensuring alignment with business development [3]. Group 2: Risk Prevention and Management - Legal principles are viewed as the first line of defense in risk management for commercial banks, marking a significant shift towards prioritizing compliance over mere profitability [4]. - Minsheng Bank's Zhengzhou branch emphasizes the importance of legal compliance in all business processes, implementing strict controls to ensure adherence to legal standards [4]. Group 3: Consumer Protection and Public Awareness - The financial industry is committed to protecting consumer rights, reflecting its political and social responsibilities, and actively engages in public education to enhance awareness of legal rights [7]. - ICBC's Suzhou branch conducts public legal education activities to inform the community about financial safety and consumer rights protection [7]. - Construction Bank's branch in Guangdong participates in public campaigns to expose illegal financial activities and educate the public on potential risks [8].

Core Insights - The Industrial and Commercial Bank of China (ICBC) has achieved significant milestones in technology-related loans, with a total balance exceeding 60 trillion yuan, including over 25 trillion yuan for technology enterprises and over 50 trillion yuan for technology-related industries, leading the industry in both balance and growth [1][2] Group 1: Financial Services for Technology Innovation - ICBC has established a "Five Special" service system to enhance financial support for technological innovation, focusing on top-level design, institutional mechanisms, policy guarantees, and resource allocation [1] - The bank has introduced specialized products for technology enterprises, such as the Sci-Tech R&D Loan, Innovation Points Loan, and Intellectual Property Pledge Financing, addressing the unique characteristics of these companies [1] Group 2: Comprehensive Financial Solutions - ICBC provides a full-cycle financial service model called "Equity Loan and Debt Guarantee" to empower technology enterprises, leveraging its diversified licenses to meet their equity financing needs throughout their lifecycle [2] - The bank has signed an intention to invest over 200 billion yuan through its equity investment pilot fund and has issued 20 billion yuan in technology innovation bonds in the interbank market [2] Group 3: Future Outlook - Looking ahead to the 14th Five-Year Plan, ICBC aims to implement the spirit of the 20th Central Committee of the Communist Party, deepen comprehensive financial solutions, and support the innovation-driven development strategy by integrating national needs, financial capabilities, and the bank's strengths [2]

Core Insights - The recent approval of three financial asset investment companies (AICs) marks the establishment of the first batch of national joint-stock bank AICs in China, expanding the total number of bank-affiliated AICs to nine [1][2] Group 1: AIC Establishment and Function - The newly approved AICs include Xinyin Financial Asset Investment Co., Xinyin Financial Asset Investment Co., and Zhaoyin Financial Asset Investment Co., with registered capitals of 150 billion yuan and 100 billion yuan respectively [1] - AICs were initially designed for market-oriented debt-to-equity swaps, serving as a "risk isolation wall" and "asset restructuring expert" within the banking system, aimed at reducing corporate leverage and mitigating financial risks [1][3] - The role of AICs has evolved to become a major player in equity investment, particularly following recent policy expansions that have increased their investment scope and intensity [1] Group 2: Comparison Between AICs - The newly established AICs share common features with state-owned bank AICs, including core functions, regulatory frameworks, policy guidance, and operational models [2] - Differences exist in shareholder backgrounds, resource endowments, capital scales, and regional layouts, with state-owned AICs benefiting from larger asset scales and nationwide networks, focusing on large state-owned enterprises [2] - In contrast, joint-stock bank AICs have a slightly lower capital scale and are more concentrated in their initial focus, primarily serving private and innovative small and medium-sized enterprises [2] Group 3: Impact on the Economy - The entry of AICs is expected to significantly promote enterprise transformation and high-quality development by alleviating corporate debt burdens through debt-to-equity swaps, thereby facilitating technological research and product innovation [3] - AICs are positioned to support specialized and innovative enterprises, as well as technology-driven small and medium-sized enterprises, while also restructuring and revitalizing companies in debt distress through market-oriented and legal means [3]

Group 1 - The core viewpoint of the articles highlights the trend of major banks in China discontinuing five-year large denomination certificates of deposit (CDs), with many banks only offering shorter-term options or none at all [1][2] - Major banks have raised the minimum investment threshold for large denomination CDs, with some banks now requiring a minimum of 1 million yuan, indicating a shift in strategy to maintain high-end customer relationships [2][3] - The discontinuation of long-term large denomination CDs is seen as a method for banks to reduce high-cost liabilities and stabilize net interest margins amid declining market interest rates [3] Group 2 - The current offerings of large denomination CDs are limited, with banks like China Postal Savings Bank indicating that they have no CDs available for sale and may resume sales in January next year [2] - The interest rates for available large denomination CDs are relatively low, with rates around 1.40% to 1.55%, which may not attract high-end customers who prioritize security and exclusive services over interest rates [3] - Banks are expected to continue differentiating their deposit rates based on their liability structures and market conditions, as they face pressure to lower funding costs and maintain profitability [3]

Core Viewpoint - The disappearance of long-term deposit products, particularly five-year large certificates of deposit (CDs), reflects the ongoing pressure on banks' net interest margins, leading to a reevaluation of their liability structures and product offerings [1][3][9] Group 1: Changes in Deposit Products - Major state-owned banks, including Industrial and Commercial Bank of China, Agricultural Bank of China, and others, have completely discontinued five-year large CDs, with some also reducing the availability of three-year products [3][5] - The current interest rate for a three-year large CD at Industrial and Commercial Bank is only 1.55%, with a minimum deposit requirement of 1 million yuan, contrasting sharply with the 50 yuan minimum for regular fixed deposits [5][17] - The trend of reducing long-term deposit products is not limited to large banks; some joint-stock banks and city commercial banks are also following suit, indicating a broader industry shift [3][7] Group 2: Impact on Customers - The increasing minimum deposit requirements for three-year products mean that large CDs are becoming exclusive to high-net-worth clients, moving away from their original target demographic of middle-class savers [5][11] - Ordinary depositors are facing challenges in asset allocation due to the scarcity of long-term deposit options, leading to a shift in savings behavior, with a notable decrease in the percentage of savers preferring to save more [13][17] - The current environment has prompted some depositors to seek higher returns or more diversified investment channels, reflecting a change in asset allocation strategies [13][15] Group 3: Industry Response - Banks are adjusting their product offerings in response to the pressure on net interest margins, with state-owned banks discontinuing five-year large CDs while smaller banks focus on shorter-term products [7][9] - The ongoing decline in loan rates and intense competition for deposits are squeezing banks' profit margins, necessitating a reevaluation of high-interest long-term deposit products [9][11] - Banks are increasingly using large CDs to attract high-quality new clients and as a stable asset for private banking clients, indicating a strategic shift in how these products are utilized [11][15]

笔者从中国工商银行股份有限公司阳江分行了解到，目前该行面向社会公开拍卖处置三处位于阳江市的房产资源。 本次公开拍卖的三处房产详情如下： 一、阳江市江城区江南雅居临街商铺 位置： 阳江市江城区西平路63号江南雅居C幢121商铺首层 建筑面积：约159.07平方米 产权证号：粤房地证字第C6013536号 核心优势：地处西平南路、环北路城市主干道交会处，交通便捷。周边新江大厦、国美商场、新江电脑城、华港豪庭小区环绕，商业氛围浓厚，适宜各类商 务经营。 拍卖平台：京东资产交易平台 拍卖平台：京东资产交易平台 二、阳江市江城区愉景花园核心区住宅 位置： 阳江市江城区石湾北路248号雍景阁1001号 建筑面积：约116.73平方米 核心优势：位于石湾路主干道，交通便利。地处江城核心生活圈，邻近老干部活动中心、世嘉南大愉景超市、财政局、税务局、中国移动等机构，3公里内 覆盖阳江君怡商业广场、乐宾百货等大型商圈，生活配套完善，适宜家庭居住。 产权证号：粤房地证字第C4228728号 拍卖平台：京东资产交易平台 三、阳春市城云路体育中心旁临街商铺 位置：阳春市春城镇城云路十巷1号之二首层 建筑面积：约115.37平方米 核心 ...