国庆、中秋"双节"临近，为响应扩内需、促消费政策，各家商业银行纷纷打出"权益优惠+低息信贷"组 合拳：一方面密集升级信用卡场景化权益；另一方面聚焦"贴息补贴"举措，叠加政策贴息，部分消费贷 产品年化利率（单利）低至2%，助力"双节"消费市场升温。 加大消费贷贴息力度 在低息信贷方面，"双节"期间银行个人消费贷利率迎来"大促"。自9月1日个人消费贷款贴息政策全面落 地以来，消费贷市场热度持续攀升，多家银行加大贴息力度，推动利率进一步下探——当前部分银行消 费贷最低利率已降至3%，叠加政策贴息后，实际利率进入2%至3%区间，显著降低居民消费融资成本。 具体来看，建设银行四川省分行于9月25日通过官方微信公众号推出"国庆中秋畅快购，消费贷款享贴 息"活动，按年化1个百分点给予贴息，累计贴息上限3000元，贴息后年化利率（单利）低至2%；工商 银行安徽分行推出"双节"消费贴息活动，累计贴息上限同为3000元（单笔5万元以下贴息上限1000 元），核心产品"融e借"年化利率3%起，期限最长7年，支持全程线上"一键即贷、实时到账"。 苏商银行特约研究员薛洪言对《证券日报》记者表示，与往年相比，今年银行对消费的支持力度呈 ...

As hundreds of TD Securities managing directors gathered at the Encore hotel overlooking Boston Harbor in June, there was a celebratory atmosphere in the air. Less publicly, there was grousing as well. The buoyant mood at the multiday meeting was partly because Toronto-Dominion Bank’s takeover of New York investment bank Cowen Inc. — completed in 2023 — had cleared its last legal hurdle just months earlier, allowing the firms’ traders to finally work together in person. The event also marked the first ti ...

Core Points - The Hang Seng Index rose by 494.68 points, an increase of 1.89%, closing at 26,622.88 points [1] - The total turnover for the day on the main board was 309.096 billion HKD [1] - The Hang Seng China Enterprises Index increased by 151.02 points, closing at 9,454.12 points, a rise of 1.62% [1] - The Hang Seng Tech Index gained 129.14 points, closing at 6,324.25 points, reflecting a growth of 2.08% [1] Blue Chip Stocks - Tencent Holdings rose by 2.48%, closing at 660 HKD [1] - Hong Kong Exchanges and Clearing increased by 2.79%, closing at 442.2 HKD [1] - China Mobile decreased by 0.12%, closing at 84.9 HKD [1] - HSBC Holdings rose by 1.97%, closing at 108.8 HKD [1] Local Hong Kong Stocks - Cheung Kong Holdings increased by 3.58%, closing at 37.58 HKD [1] - Sun Hung Kai Properties rose by 1.69%, closing at 93.15 HKD [1] - Henderson Land Development increased by 2.06%, closing at 27.7 HKD [1] Chinese Financial Stocks - Bank of China rose by 0.71%, closing at 4.23 HKD [1] - China Construction Bank increased by 1.36%, closing at 7.48 HKD [1] - Industrial and Commercial Bank of China rose by 0.53%, closing at 5.73 HKD [1] - Ping An Insurance increased by 2.1%, closing at 53.5 HKD [1] - China Life Insurance rose by 4.61%, closing at 22.22 HKD [1] Oil and Petrochemical Stocks - China Petroleum & Chemical Corporation rose by 0.74%, closing at 4.1 HKD [1] - China National Petroleum Corporation increased by 2.39%, closing at 7.28 HKD [1] - CNOOC Limited rose by 0.84%, closing at 19.28 HKD [1]

基于付老板良好的信用记录和稳定的经营基础，工商银行泰安分行精准推荐了"线上普惠贷"系列产品。 该产品依托数字化风控模型，具有审批快、利率优、放款迅速、随借随还等特点，真正实现"数据多跑 路、客户少跑腿"。 2025年9月，秋意渐浓，齐鲁大地的田野间一派繁忙景象。在泰安市岱岳区，种植大户付老板正忙着为 即将到来的粮食收购季做准备。作为当地为数不多的粮食种植专业大户，他从事粮食种植与购销已有十 余年，凭借丰富的种植经验和科学管理，在周边享有良好口碑。然而，随着新一批粮食收购任务临近， 资金周转问题一度让他犯了难。 "粮食收购季节性强，必须提前备足资金，否则很容易错失优质粮源。"付老板坦言，尽管自己经营稳 定、信誉良好，但传统融资方式流程长、手续多，难以满足快速放款和灵活用款的需求。 就在他一筹莫展之际，山东农担公司泰安管理中心工作人员主动对接，在了解其资金需求后，第一时间 联系工商银行泰安分行客户经理，迅速组成联合服务小组，上门开展实地调查。工作人员深入田间地 头，详细了解付老板的种植规模、收成情况、销售渠道及融资诉求，现场评估其经营状况与发展潜力。 从申请到审批，再到资金到账，整个流程仅用数个工作日，40万元贷 ...

Group 1: Financial Support and Agricultural Development - The Industrial and Commercial Bank of China (ICBC) has provided over 20 million yuan in inclusive loans over three years, transforming saline-alkali land in Kashgar into productive rice fields [1] - ICBC Xinjiang Branch has launched a "Huangqi Crop Loan" specifically for traditional Chinese medicine cultivation, facilitating a 100,000 yuan loan for a farmer in Yili within one day [4] - The bank has introduced an online cotton financing service, providing over 3.5 billion yuan in loans to cotton farmers, significantly improving the efficiency of financial services [5] Group 2: Renewable Energy and Infrastructure Projects - ICBC Xinjiang Branch has successfully funded a 1 billion yuan project loan for a green hydrogen demonstration project, breaking traditional collateral models [2] - The bank has facilitated nearly 25 billion USD in cross-border settlements and foreign exchange transactions during the 14th Five-Year Plan period, supporting the development of Xinjiang as a key logistics hub [3] Group 3: Social Welfare and Community Services - ICBC Xinjiang Branch has issued 3.4 million social security cards, enhancing accessibility to social services across the region [6] - The bank has established 106 rural inclusive financial service points, improving financial service availability in remote areas [6] Group 4: Support for Small and Micro Enterprises - The bank has increased its inclusive loan balance by 5.6 times since the beginning of the 14th Five-Year Plan, significantly boosting support for small and micro enterprises [7] - ICBC Xinjiang Branch has developed over 30 regional financing solutions tailored for small businesses, enhancing their growth potential [7]

编者按：当前银行理财货架产品琳琅满目，诸如"增强""稳健""均衡"等名称相近、特征模糊的产品层出不穷，投资者应如何甄别 与选择？为降低投资者的选择成本，南财理财通课题组从代销机构角度入手，每周聚焦各渠道当周在售的理财产品，搜罗其中 业绩表现优异者，并发布代销产品业绩榜单。 该榜单的筛选主要依据两大标准：一是产品类型，前期重点关注纯固收、"固收+"和混合类这三类主力产品；二是业绩稳定性， 要求产品成立至少满3个月，以保证有足够的业绩积累。理财产品样本选取人民币公募理财产品。 | 1 | 中国银行 | 汇和多策略十八个 | 汇华理财 | 18月 | 6.29% | 12.2 | 5.68% | | --- | --- | --- | --- | --- | --- | --- | --- | | | | 月時有 | | | | 0% | | | 2 | 中国银行 | 聚富1年接有期国收 增益 | 中银理财 | રૂરિટ 天 | | 7.02% 7.71% 5.14% | | | 3 | 中国银行 | 稳富固收增强双债 | 中银理财 | 180 | 5.64% | 7.67% | | | | | 策略180天持有 ...

9月25日，工商银行、农业银行、中国银行、建设银行、交通银行集体发布公告，宣布公司 章程修订获监管核准，自核准之日起不再设立监事会，由董事会审计委员会依法承接监事会 职权。 交通银行同样发布相关公告，自2025年9月25日起不再设立监事会，由董事会审计委员会行 使监事会相关职权。现任监事王学庆、苏治、林至红、丰冰、颇颖不再担任监事及监事会相 关职务。 邮储银行也于近日发布公告表示，监事长、股东代表监事陈跃军到龄辞任。该行2025年第二 次临时股东大会会议资料显示，拟不再设立监事会及下设专门委员会，自公司章程获国家金 融监督管理总局核准之日起生效。 据不完全统计，目前已有20逾家银行披露公司治理架构改革计划，有银行已宣布监事团队人 员调整。业内人士认为，银行裁撤监事会有助于提升银行治理效率、精简公司治理结构、权 责更加清晰，同时也要防范监督独立性风险。 五家国有银行集体官宣取消监事会 邮储银行监事长日前已辞任 9月25日，国有五大行集体发布公告，宣布公司章程修订获核准以及不再设立监事会，由董 事会审计委员会依法承接监事会职权。 工商银行公告称，近日收到《国家金融监督管理总局关于工商银行修改公司章程的批复》。 自 ...

Core Viewpoint - Major banks in China have decided to abolish their supervisory boards, transferring their functions to the audit committee of the board of directors, which is seen as a move to optimize corporate governance and reduce costs [7][8][9] Group 1: Decision and Implementation - The five major banks have announced that they will no longer establish supervisory boards, a decision approved at the 2024 annual general meeting held on June 27, 2025, and recently sanctioned by the National Financial Regulatory Administration [7] - Postal Savings Bank has also proposed to abolish its supervisory board and related committees, with the audit committee of the board taking over these responsibilities, pending shareholder approval [8] Group 2: Rationale and Expert Opinions - Industry experts suggest that the functions of supervisory boards overlap with those of the audit committee, particularly the independent directors, making the abolition a strategic choice to enhance governance flexibility and efficiency [8] - The decision to eliminate supervisory boards is viewed as a way to maintain effective corporate governance while lowering governance costs, according to a leading expert from the Shanghai Financial and Development Laboratory [8] Group 3: Regulatory Framework - The revised Company Law allows companies to establish audit committees within the board of directors to perform the functions of supervisory boards, a change that has been recognized by the National Financial Regulatory Administration [9] - Besides the six major banks, several other national joint-stock banks and local commercial banks have also announced the abolition of their supervisory boards [9]

在表彰风采纪实中，郭颖被认为在一线工作中是敢打硬仗的"排头兵"，据介绍，他在担任支行行长期 间，成功克服大额不良劣变影响，带领支行实现贷款增长超百亿。在中后台管理岗位，他被称为善解难 题的"多面手"，筹建档案服务点，以创新思维破解管理难题。 采写：南都·湾财社记者 黄顺威 记者从相关人士处获悉，郭颖此前曾任工商银行广州分行机构金融业务部总经理。据"工行广州"公众号 信息，郭颖是一名"80后"干部，曾获2024年度工商银行总行级青年五四奖章。 近日，广东金融监管局发布的行政许可批复显示，核准郭颖工商银行广州分行副行长的任职资格；该行 应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自该行政许可决定作出之日起3个 月内到任，并按要求在到任后10日内报告到任情况。 ...

9月以来，A股上市银行2025中期分红正在持续落地。 近日，沪农商行、长沙银行发布了2025年半年度权益分派实施公告，两家银行均于9月26日 发放现金红利。其中，沪农商行对普通股每股派发0.241元（含税），共计派发23.24亿元； 长沙银行每股派发0.2元（含税），共计派发8.04亿元。除了上述两家银行，常熟银行、民生 银行、苏农银行2025年中期分红方案均已派发完毕。 截至目前，已有17家A股上市银行发布2025年中期利润分配方案，其中，六家国有大行现金 分红总额合计达2046.57亿元，工行派发超500亿元，农行及建行均超400亿元，延续"大手 笔"分红。 17家银行公布中期分红方案，5家已落地 9月20日，沪农商行发布2025年半年度权益分派实施公告，其中显示，该行此次对普通股每 股派发现金红利0.241元（含税），共计派发现金红利23.24亿元，派发时间为9月26日。 实际上，在此次分红潮中，多家银行首次明确实施中期分红，包括招商银行、常熟银行、宁 波银行、苏农银行、张家港行、江阴银行、长沙银行等多家上市行。 其中，招商银行在半年报中指出，2025年度中期利润分配现金分红金额占半年度归属于该行 普通 ...