Core Viewpoint - The article highlights the proactive measures taken by the Industrial and Commercial Bank of China Jiangsu Branch to protect elderly clients from financial fraud, showcasing their commitment to safeguarding public assets through effective risk management and collaboration with law enforcement [1][3][12]. Group 1: Fraud Prevention Initiatives - The bank has established a robust fraud prevention network, emphasizing the importance of frontline staff in identifying and responding to suspicious activities [2][3]. - In September, a successful intervention by the Suzhou branch prevented a fraud attempt involving 1.4 million yuan, demonstrating the effectiveness of police collaboration [3]. - The bank's staff displayed patience and professionalism in handling distressed clients, as seen in a case where a client attempted to transfer 1 million yuan to a suspicious account [4]. Group 2: Tailored Services for Vulnerable Groups - The Jiangsu branch has developed specialized services for elderly clients, including educational initiatives like the "Elderly Anti-Fraud Handbook" to raise awareness about potential scams [5]. - During the Double Ninth Festival, the bank organized activities to engage elderly clients, reinforcing their commitment to protecting client assets [5]. Group 3: Cross-Border Fraud Prevention - The bank has extended its fraud prevention efforts to cross-border transactions, addressing the rising threat of international telecom fraud [6][8]. - A notable case involved the recovery of 630,000 euros for a client after a swift response to a cross-border fraud incident, highlighting the bank's effective emergency mechanisms [6]. - The bank emphasizes the need for vigilance in cross-border payments and is actively working to enhance risk management in this area [8]. Group 4: Systematic Approach to Fraud Management - The Jiangsu branch has implemented a comprehensive "Anti-Fraud Model" that integrates various stakeholders, including law enforcement and regulatory bodies, to combat telecom fraud and cross-border gambling [10]. - The bank has developed a proactive mechanism for identifying and managing suspicious transactions at the counter, ensuring timely reporting and intervention [10][11]. - Continuous training and awareness programs are in place to equip staff with the necessary skills to detect and prevent fraud effectively [11]. Group 5: Commitment to Financial Security - The bank reiterates its dedication to protecting the financial interests of the public, viewing fraud prevention as an ongoing battle that requires collaboration with various sectors [12].

Core Viewpoint - Suzhou is focusing on transforming its manufacturing sector towards high-end, intelligent, and green development, supported by financial services from the Industrial and Commercial Bank of China (ICBC) Suzhou Branch, which aims to enhance credit support for private enterprises and the manufacturing industry to foster economic growth [1] Group 1: Financial Support for Private Enterprises - ICBC Suzhou Branch is committed to providing substantial credit support to private enterprises, with a target loan balance exceeding 180 billion yuan by the end of November 2025, reflecting a net increase of over 20 billion yuan since the beginning of the year [1] - The bank has implemented a "Four Loan Linkage" service model to meet the needs of small and micro enterprises, resulting in a significant increase in credit loan balances, which reached over 35 billion yuan, a growth of over 10 billion yuan or 40% since the start of the year [2] Group 2: Support for Innovation and Technology - The bank has successfully facilitated a 6 million yuan transfer loan for a high-tech enterprise specializing in intelligent guidance systems, helping alleviate their short-term liquidity pressures and supporting their growth in the smart manufacturing sector [3] Group 3: Financing Mechanisms for Small and Micro Enterprises - ICBC Suzhou Branch has established a financing coordination mechanism for small and micro enterprises, visiting over 73,000 businesses and providing nearly 150 billion yuan in loans, with a total of over 930 billion yuan in inclusive loans by the end of November 2025, marking an increase of nearly 15 billion yuan [4] Group 4: Support for Cultural and Tourism Industries - The bank has focused on the cultural and tourism sectors, providing customized financing solutions that resulted in 13.3 billion yuan in credit and 10 billion yuan in loans from March to November 2025, enhancing financial support for local tourism projects [5] Group 5: Financial Support for Rural Revitalization - ICBC Suzhou Branch has engaged in supporting rural revitalization by providing over 2 billion yuan in loans to new agricultural entities and collaborating with nearly 200 agricultural enterprises, with a total credit amount of 4.5 billion yuan [6][7]

Core Insights - On December 22, 2025, Alibaba-W (09988), SMIC (00981), and Xiaomi Group-W (01810) were the top three companies by trading volume in the Southbound Stock Connect, with trading amounts of 4.274 billion, 3.472 billion, and 2.623 billion respectively [1] - In the Shenzhen-Hong Kong Stock Connect, SMIC (00981), Alibaba-W (09988), and Tencent Holdings (00700) led the trading volume, with amounts of 2.198 billion, 2.046 billion, and 1.461 billion respectively [1] Southbound Stock Connect Trading Activity - The top three active companies in the Southbound Stock Connect included: - Alibaba-W (09988) with a trading amount of 4.274 billion and a net buy of -1.081 billion - SMIC (00981) with a trading amount of 3.472 billion and a net buy of 0.259 billion - Xiaomi Group-W (01810) with a trading amount of 2.623 billion and a net buy of 0.305 billion [2] - Other notable companies included Tencent Holdings (00700) with a trading amount of 2.347 billion and a net buy of 0.427 billion, and China Mobile (00941) with a trading amount of 1.078 billion and a net buy of -0.441 billion [2] Shenzhen-Hong Kong Stock Connect Trading Activity - The top three active companies in the Shenzhen-Hong Kong Stock Connect were: - SMIC (00981) with a trading amount of 2.198 billion and a net buy of 0.472 billion - Alibaba-W (09988) with a trading amount of 2.046 billion and a net buy of 0.562 billion - Tencent Holdings (00700) with a trading amount of 1.461 billion and a net buy of 0.170 billion [2] - Other significant companies included Xiaomi Group-W (01810) with a trading amount of 1.460 billion and a net buy of 0.382 billion, and China Mobile (00941) with a trading amount of 0.805 billion and a net buy of -0.138 billion [2]

Market Performance - The Hang Seng Index rose by 111.24 points, an increase of 0.43%, closing at 25,801.77 points [1] - The Hong Kong Stock Exchange's main board recorded a total turnover of 169.77 billion HKD [1] - The Hang Seng China Enterprises Index increased by 38.45 points, closing at 8,939.68 points, also up by 0.43% [1] - The Hang Seng Tech Index gained 47.79 points, closing at 5,526.83 points, reflecting a rise of 0.87% [1] Blue-Chip Stocks - Tencent Holdings saw a slight increase of 0.08%, closing at 614.5 HKD [1] - Hong Kong Exchanges and Clearing remained unchanged at 407 HKD [1] - China Mobile experienced a decline of 0.24%, closing at 83.7 HKD [1] - HSBC Holdings rose by 1.68%, closing at 121.3 HKD [1] Local Hong Kong Stocks - Cheung Kong Holdings decreased by 0.3%, closing at 40.02 HKD [1] - Sun Hung Kai Properties saw a minor increase of 0.05%, closing at 95.55 HKD [1] - Henderson Land Development fell by 0.2%, closing at 29.22 HKD [1] Chinese Financial Stocks - Bank of China declined by 0.45%, closing at 4.4 HKD [1] - China Construction Bank increased by 0.67%, closing at 7.54 HKD [1] - Industrial and Commercial Bank of China rose by 0.16%, closing at 6.13 HKD [1] - Ping An Insurance fell by 0.31%, closing at 65.25 HKD [1] - China Life Insurance decreased by 1.11%, closing at 28.48 HKD [1] Oil and Petrochemical Stocks - Sinopec fell by 0.44%, closing at 4.51 HKD [1] - PetroChina decreased by 0.12%, closing at 8.08 HKD [1] - CNOOC saw an increase of 2.06%, closing at 20.8 HKD [1]

12月22日，中国人民银行发布关于实施一次性信用修复政策有关安排的通知，通知指出对于2020年1月1 日至2025年12月31日期间，单笔金额不超过10000元人民币的个人逾期信息，个人于2026年3月31日 （含）前足额偿还逾期债务的，金融信用信息基础数据库将不予展示。 北京商报讯（记者 宋亦桐）12月22日，中国人民银行举行新闻发布会介绍一次性信用修复政策有关情 况，工商银行副行长赵桂德指出，为配合做好一次性信用修复政策的落地工作，工商银行已经开展了相 关准备。 赵桂德介绍，一是组织对全行网上银行、手机银行和网点智能设备的信用报告查询功能进行全面"体 检"，确保查询功能正常，能够及时响应客户查询本人信用报告的需求。二是加强工商银行征信数据报 送管理，将客户还款信息及时、准确、完整地提供给征信系统，确保符合条件的客户能享受政策利好。 三是关注政策实施后客户风险表现，持续做好信用评分模型及相关指标有效性的监测，及时动态完善风 控模型，优化风控策略。四是做好对客政策宣传、释疑，提升客户防骗意识，远离非法代理黑灰产，保 护自身信息安全和财产安全。 ...

记者丨 张欣 编辑丨杨希 12月22日，中国人民银行发布关于实施一次性信用修复政策有关安排的通知，并在总行大楼举 行新闻发布会介绍相关情况。中国人民银行副行长邹澜、中国工商银行（以下简称"工行"）副 行长赵桂德、中国人民银行征信管理局局长任咏梅、中国人民银行征信中心主任张子红、北京 银行行长戴炜出席新闻发布会。 针对"当前个人征信应用场景日益广泛，人民银行在保障个人征信权益方面还做了哪些工作"的 提问，赵桂德详细介绍了工行落实一次性信用修复政策的系列准备举措，并阐述了该政策的重 要意义。 （工行副行长赵桂德介绍落实一次性信用修复政策的系列准备举措，来源：央行） 赵桂德表示，一次性信用修复政策是人民银行帮助群众高效便捷重塑信用的重要举措，工行积 极参与了政策制定相关工作。该政策不仅回应了人民群众信用重建的诉求，也是商业银行提升 金融服务质效的重要契机。为配合政策落地，工行已开展多方面准备工作，切实保障客户征信 权益： 一是组织对工行全行网上银行、手机银行和网点智能设备的信用报告查询功能进行全 面"体检" ，确保查询功能正常，能够及时响应客户查询本人信用报告的需求。 二是加强工行征信数据报送管理 ，将客户还款信息 ...

格隆汇12月22日｜中国工商银行副行长赵桂德在"一次性信用修复政策有关情况新闻发布会"上表示，一 次性信用修复政策是人民银行帮助群众高效便捷重塑信用的重要举措，工商银行积极参与了政策制定的 相关工作。一次性信用修复政策不仅回应了人民群众信用重建的诉求，也是商业银行提升金融服务质效 的一次重要契机。赵桂德表示，一方面，政策有助于优化信贷决策。个人信贷决策通常需要综合评估客 户的资产状况、风险水平、信用表现等因素，征信系统提供的个人信用报告是开展授信审批、风险定 价、贷后管理的重要参考之一。一次性信用修复政策能够帮助商业银行更加准确地识别借款人的真实信 用状况，通过实施更加有效的信贷投放策略，进一步提升金融服务的精准性和有效性。 ...

中国工商银行副行长赵桂德12月22日在"一次性信用修复政策有关情况新闻发布会"上表示，一次性信用 修复政策是人民银行帮助群众高效便捷重塑信用的重要举措，工商银行积极参与了政策制定的相关工 作。一次性信用修复政策不仅回应了人民群众信用重建的诉求，也是商业银行提升金融服务质效的一次 重要契机。赵桂德表示，一方面，政策有助于优化信贷决策。个人信贷决策通常需要综合评估客户的资 产状况、风险水平、信用表现等因素，征信系统提供的个人信用报告是开展授信审批、风险定价、贷后 管理的重要参考之一。一次性信用修复政策能够帮助商业银行更加准确地识别借款人的真实信用状况， 通过实施更加有效的信贷投放策略，进一步提升金融服务的精准性和有效性。 ...

12月22日，中国人民银行发布关于实施一次性信用修复政策有关安排的通知，并在中国人民银行总行大 楼举行新闻发布会介绍有关情况。中国人民银行副行长邹澜、中国工商银行副行长赵桂德、中国人民银 行征信管理局局长任咏梅、中国人民银行征信中心主任张子红、北京银行行长戴炜出席新闻发布会。 戴炜介绍，按照《征信业管理条例》及有关规定，金融机构需要及时、准确、完整地向征信系统报送个 人的信贷信息。一次性信用修复政策发布实施后，将继续做好信贷信息报送工作，及时准确反映个人贷 款偿还情况，为征信系统准确识别和处理符合条件的逾期信息提供数据基础。 21世纪经济报道记者 唐婧 北京报道 第二点是做好还款状态的确认。由于实际操作中可能出现因第三方互联网平台划扣延迟，银行卡账户状 态异常等导致金融机构未能收到还款的情形，个人在规定时间内足额偿还逾期贷款后，可以主动向金融 机构或第三方互联网平台确认是否偿还成功，避免因意外的情形影响政策的适用。 第三点是谨防非法中介的骗局。大家在偿还贷款时，如果遇到暂时的资金困难，可以提前主动联系贷款 机构，按照市场化、法治化原则商定解决方案，调整还款安排，对市场上资金来源不明的非法中介，大 家一定不要轻 ...

每经记者|张寿林 每经编辑|陈俊杰 12月22日，人民银行最新披露，对于2020年1月1日至2025年12月31日期间，单笔金额不超过10000元人 民币的个人逾期信息，个人于2026年3月31日（含）前足额偿还逾期债务的，金融信用信息基础数据库 将不予展示。 工商银行副行长赵桂德指出，一次性信用修复政策是人民银行帮助群众高效便捷、重塑信用的重要举 措，工商银行积极参与了政策制定的相关工作。 征信系统提供的个人信用报告，是银行开展授信审批、风险定价、贷后管理的重要参考之一。 赵桂德说，一次性信用修复政策能够帮助商业银行更加准确识别借款人的真实状况。通过实施更加有效 的信贷投放策略，进一步提升金融服务的精准性和有效性。此外，政策有利于重塑客户关系。一次性信 用修复政策实施后，相信大家会更加珍视并积极维护自身的信用，商业银行也能够在此基础上更好满足 客户合理的融资需求。这将有利于商业银行与个人客户之间保持良好关系，为客户提供更好的金融服 务，打造金融领域良好的信用生态。 每经记者|张寿林 每经编辑|陈俊杰 12月22日，人民银行最新披露，对于2020年1月1日至2025年12月31日期间，单笔金额不超过10000 ...