Core Viewpoint - The development of technology finance is essential for promoting the deep integration of technological innovation and industrial development, as well as achieving high-quality economic growth in Jiangxi province [3][12]. Group 1: Financing Initiatives - Jiangxi Xunkang Technology Co., Ltd. and Kruit Software Group Co., Ltd. received loans of 14 million yuan and 12 million yuan respectively, under the "Qianfei Loan" program, which aims to address the financing challenges faced by technology-oriented enterprises [1]. - The "Qianfei Loan" program has provided a total of 2.099 billion yuan in loans to 127 technology-oriented enterprises in Jiangxi within just six months [1][2]. Group 2: Policy and System Innovation - The Jiangxi financial system is focusing on technology finance as a priority, implementing innovative measures to create a financial service system that meets the high-quality development needs of local technology innovation [2][5]. - A multi-dimensional approach is being taken to innovate the technology finance system, including institutional, product, and service model innovations [6][8]. Group 3: Performance Metrics - In 2023, Jiangxi's total R&D investment exceeded 60 billion yuan, and the transaction volume of technology contracts reached 258.8 billion yuan, marking a 10.1-fold increase compared to the end of the 13th Five-Year Plan [3]. - As of September, the balance of technology loans in Jiangxi reached 1.05 trillion yuan, with a year-on-year growth of 14%, surpassing the national average growth rate of 2.2% [10]. Group 4: Collaborative Efforts - The establishment of a technology finance alliance has seen participation from 50 financial institutions, providing a range of financial products and services to technology enterprises [10]. - The "Yiqi Growth" model aims to align loan pricing and future financial services with the growth potential of technology enterprises, fostering long-term partnerships between banks and companies [8][11].

Core Viewpoint - The trend of large-denomination certificates of deposit (CDs) disappearing from the market is evident, with major banks removing long-term products to manage net interest margin pressures and adapt to changing monetary policies [1][2][3] Group 1: Market Changes - Major state-owned banks and national joint-stock banks have removed five-year large-denomination CDs from their offerings, with only short-term products available [1] - The availability of three-year large-denomination CDs is also tightening, with some banks halting new issuances [1][2] - The current offerings are primarily focused on one-year or shorter terms, with some banks only providing three-month or six-month products [2] Group 2: Reasons for Changes - The primary reason for banks discontinuing long-term large-denomination CDs is to alleviate the increasing pressure on net interest margins due to declining loan rates [2] - By reducing high-cost liabilities associated with long-term CDs, banks aim to optimize their liability structure and control overall funding costs [2][3] - This adjustment is seen as a proactive measure by banks in response to macroeconomic conditions and regulatory guidance [2] Group 3: Future Outlook - The role and form of large-denomination CDs are expected to undergo significant changes, with a shift towards shorter-term products becoming more common [3] - The interest rate advantage of large-denomination CDs is likely to diminish, aligning more closely with regular fixed-term deposits [3] - A long-term downward trend in deposit rates is anticipated, driven by monetary policy aimed at reducing financing costs for the real economy [3]

| 序号 名称 | | 港股代码 | 最新价 | 涨跌额 | 涨跌幅 | ADR代码 | ADR换算价 | 较港股升跌 | 较港股升跌% ADR; | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 1 | 腾讯控股 | (0) 00700 | 619.500 | -5.500 | -0.88% | TCEHY | 614.101 | -5.399 | -0.87% | 7 | | 2 | 阿里巴巴-W | 099888 | 154.800 | -3.000 | -1.90% | BABA | 153.233 | -1.567 | -1.01% | 15 | | 3 | 建设银行 | 00939 | 8.210 | -0.010 | -0.12% | CICHY | 8.218 | +0.008 | 0.10% | 2 | | 4 | 汇丰控股 | 00005 | 107.600 | +0.800 | 0.75% | HSBC | 109.799 | +2.199 | 2.04% | 7 | | 5 | 小米集团- ...

Core Viewpoint - The Industrial and Commercial Bank of China Sichuan Branch has actively aligned its services with national strategies and local development during the 14th Five-Year Plan period, focusing on supporting the real economy, rural revitalization, technological innovation, and improving people's livelihoods [2] Group 1: Empowering the Real Economy - The bank has provided significant financial support to various industries, such as the meat processing company in Dazhou, which received a loan to upgrade equipment and expand production capacity, resulting in increased product shelf life and international sales [3] - In Mianyang, the bank supported a 200-year-old soy sauce company with a 160 million yuan project loan to build an intelligent production line, enhancing production efficiency and reducing financing costs [4] - Over the past five years, the bank has focused on six key industries in Sichuan, with manufacturing loans exceeding 120 billion yuan and loans to technology enterprises surpassing 80 billion yuan, achieving a financing coverage rate of nearly 60% for national-level specialized and innovative "little giant" enterprises [4] Group 2: Deepening Rural Revitalization - The bank has introduced innovative loan products like "Cherry Loan" to support cherry farmers in Yaan, providing 3 million yuan in loans that have significantly improved production and income for local farmers [5] - In Liangshan, the bank facilitated a 3 million yuan agricultural credit loan for a company exporting grapes to Southeast Asia, addressing seasonal funding shortages and enabling market expansion [6] - The bank's agricultural loan balance has exceeded 240 billion yuan, positioning it as a key player in rural revitalization efforts [7] Group 3: Technological Empowerment for Livelihood Improvement - The bank has implemented a smart dining solution in Yaan, allowing elderly residents to use facial recognition for meal subsidies, enhancing convenience and respect for their payment preferences [8] - The bank has supported the integration of high-frequency social security services across provinces, improving efficiency in payment processes for over 11 million elderly clients [10] - The bank's commitment to technological empowerment has led to the establishment of smart campuses and hospitals, facilitating efficient payment systems for education and healthcare [10] Group 4: International Engagement and Community Support - The bank has played a significant role in supporting international events in Chengdu, enhancing service levels for foreign guests and providing comprehensive financial services during major sports events [9] - The bank has engaged in community support initiatives, including purchasing local agricultural products and funding educational programs, demonstrating its commitment to social responsibility [7]

Group 1 - The core viewpoint of the articles highlights a trend among banks, particularly private banks, to discontinue long-term deposit products, specifically five-year fixed-term deposits, in response to policy adjustments and to manage funding costs amid narrowing net interest margins [1][2][3] - Several private banks have removed five-year fixed-term deposit products from their offerings, with some banks experiencing a phenomenon of interest rate inversion, where the interest rate for three-year deposits exceeds that of five-year deposits [2][3] - Major state-owned and joint-stock banks are also reducing the availability of long-term large-denomination certificates of deposit (CDs), with some banks indicating that five-year CDs are no longer available [3] Group 2 - The primary reason for banks ceasing the issuance of long-term large-denomination CDs and fixed-term deposits is to actively reduce funding costs in response to the pressure of narrowing net interest margins [3][4] - Bank executives have indicated that the overall net interest margin situation is stabilizing, attributed to manageable negative impacts from monetary policy adjustments and coordinated adjustments in deposit rates alongside LPR reductions [4] - Banks are optimizing their liability structures by controlling the growth of high-cost deposits and adjusting the issuance plans for deposit products to lower deposit rates [4]

个人养老金是我国多层次养老保障体系的重要组成部分，其"缴费税前扣除、投资收益暂不征税、领取 环节低税率"的税收优惠政策，已成为居民优化个税、补充养老储备的重要选择。当前，银行个人养老 金营销已从初期的"拉新开户"全面转向"留客促活"，行业竞争焦点持续迭代。 本报记者 彭妍 在薛洪言看来，这一策略调整的核心原因在于"开户热、缴存冷"这一行业痛点——不少客户因短期开户 奖励而开户后，账户长期处于闲置状态。银行逐渐意识到，短期激励难以留住客户，需要转向提供更优 质的服务体验。 临近年末个人养老金缴存窗口期，多家银行再度加大推广力度，推出个人养老金缴存专属优惠活动，通 过抽奖派送微信立减金、现金红包等福利，吸引客户开户并缴存资金。若按年度1.2万元的缴存上限"顶 格"缴纳，客户最高可获得600元左右的补贴礼包。 值得注意的是，与推广初期聚焦"拉新开户"的策略不同，当前多家银行已将营销重心转向"留客促活"， 不再仅停留于引导客户开立账户，而是针对首次缴存、累计缴存达到一定额度的客户推出更多激励措 施，着力推动个人养老金账户从"开户"向"实际缴存"转化。 以中信银行为例，该行近期推出"税收优惠+达标礼赠"双重福利活动：2 ...

近日，在2025年金融街论坛年会金融科技大会暨成方金融科技论坛上，赵桂德曾以工商银行党委委员出 席该会议。在会上，赵桂德表示，工商银行将落实发展新质生产力的要求，围绕创新驱动、要素资源、 服务生态、风险管理等领域深化实践，重点在金融科技创新、产品服务模式创新及发展方式创新方面持 续发力，大力发展数字金融。 随着赵桂德正式获批出任工商银行副行长，意味着该行管理层再次恢复"一正五副"格局，分别为行长刘 珺、副行长王景武（兼首席风险官）、副行长张伟武、副行长姚明德（兼首席财务官）、副行长张守 川、副行长赵桂德。 财报数据显示，截至今年三季度末，工商银行资产总额为52.81万亿元，位于国有大行首位。 【导读】赵桂德获批出任工商银行副行长，此前曾任上海分行行长 今年前三季度，该行营业收入为6400.28亿元，同比增长2.17%；归属于母公司股东的净利润为2699.08 亿元，同比增长0.33%。资产质量方面，截至今年三季度末，该行不良贷款率为1.33%，下降0.01个百分 点；拨备覆盖率为217.21%，上升2.30个百分点。 11月26日晚间，工商银行发布公告称，该行于今日收到《国家金融监督管理总局关于赵桂德工商银行 ...

【导读】赵桂德获批出任工商银行副行长，此前曾任上海分行行长 中国基金报记者 嘉合 11月26日晚间，工商银行发布公告称，该行于今日收到《国家金融监督管理总局关于赵桂德工商银行副行长任职资格的批复》，赵桂德担任该行副行长的 任职资格已获得核准。 据悉，10月30日晚间，工商银行发布公告称，该行董事会决定聘任赵桂德为副行长，其任职待报国家金融监督管理总局核准并经该行公告后生效。 今年前三季度，该行营业收入为6400.28亿元，同比增长2.17%；归属于母公司股东的净利润为2699.08亿元，同比增长0.33%。资产质量方面，截至今年三 季度末，该行不良贷款率为1.33%，下降0.01个百分点；拨备覆盖率为217.21%，上升2.30个百分点。 编辑：江右 校对：乔伊 这意味着，时隔仅约一个月，赵桂德出任工商银行副行长的任职资格正式获批。同时，从过往履历来看，赵桂德是一名"70后"金融高管，系工商银行内部 晋升而来。 制作：小茉 审核：陈思扬 公开资料显示，赵桂德，1970年出生，工商管理（国际）硕士，高级经济师。 他曾任中国工商银行吉林省分行副行长，内蒙古自治区分行行长，山东省分行行长，总行授信审批部主要负责人， ...

【导读】赵桂德获批出任工商银行副行长，此前曾任上海分行行长 中国基金报记者 嘉合 11月26日晚间，工商银行发布公告称，该行于今日 收到《国家金融监督管理总局关于赵桂德工商银行副行长任职资格的批复》 ，赵桂德 担任该行副行长的任职资格已获得核准。 据悉，10月30日晚间， 工商银行发布公告称， 该行 董事会决定聘任赵桂德为副行长，其任职待报国家金融监督管理总局核准并经该行公 告后生效。 这意味着，时隔仅约一个月，赵桂德出任工商银行副行长的任职资格正式获批。同时，从过往履历来看，赵桂德是一名"70后"金融高管， 系工商银行内部晋升而来。 公开资料显示， 赵桂德，1970年出生 ，工商管理（国际）硕士，高级经济师。 他 曾任中国工商银行吉林省分行副行长，内蒙古自治区分行行长，山东省分行行长，总行授信审批部主要负责人，上海市分行行长。 近日，在2025年金融街论坛年会金融科技大会暨成方金融科技论坛上，赵桂德曾以工商银行党委委员出席该会议。在会上，赵桂德表示， 工商银行将落实发展新质生产力的要求，围绕创新驱动、要素资源、服务生态、风险管理等领域深化实践，重点在金融科技创新、产品服 务模式创新及发展方式创新方面持续发力 ...

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"一种智能体的交互式接入方法、 装置、设备及存储介质"的专利，授权公告号CN119766859B，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1097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。 ...