据本报记者多方了解，随着"70后"高管赵桂德获聘总行副行长，原总行办公室主任张屾将接任工行上海 分行行长，完成关键岗位的衔接补位。事实上，工商银行近期迎来管理层密集调整，此次为总行层面的 高管变动直接牵动的人事调整。 张屾接棒上海分行，曾在多家一级分行历练 在赵桂德获聘总行副行长后，上海分行行长由总行办公室主任张屾出任。 张屾是工行体系内培养的资深管理者，1998年从上海交通大学国际金融专业毕业后加入工行，随后获中 国人民大学管理学博士学位。 总行管理层调整落地，恢复"一正五副"格局 此次人事变动始于总行核心岗位的调整。8月29日，工商银行公告披露，原副行长段红涛因职务变动， 已于 6月起担任该行党委副书记，并于当日辞去副行长、董事会秘书等职务，同日被提名执行董事候选 人。同日还发布了关于提名段红涛为工商银行执行董事候选人的议案。 10月30日晚间，工商银行公告确认段红涛的最新任职资格已获核准。 10月30日晚间，工行进一步发布公告，董事会决定聘任赵桂德为副行长，以填补段红涛职务调整后的空 缺，其任职资格待国家金融监督管理总局核准后生效。 作为工行内部成长起来的 "老将"，赵桂德出生于 1970 年，拥有工商 ...

Core Viewpoint - The Shanghai Gold Exchange has announced the establishment of a designated gold warehouse at the Industrial and Commercial Bank of China Sanya Branch to facilitate gold storage operations [1] Group 1 - The announcement was made on November 17, indicating a strategic move to enhance gold business operations [1] - The designated warehouse will support the actual conditions of gold business development at the Shanghai Gold Exchange [1]

Core Viewpoint - The Industrial and Commercial Bank of China Inner Mongolia Branch is enhancing personal loan services to support national policies aimed at boosting consumption and improving financial service accessibility for individuals [1]. Group 1: Service Network Development - The bank has established a three-tier service structure consisting of "personal loan marketing centers - service areas - recommended outlets," creating a service network that radiates from the center, supported by mid-level services, and covers various outlets [2]. - By leveraging a comprehensive range of "housing + non-housing" credit products, the bank is optimizing its product mix to better align with consumer scenarios, making it easier for residents to apply for personal loans [2]. Group 2: Technology Empowerment - The bank is promoting the use of smart tools such as mobile PADs and online personal loan services to enhance customer experience, allowing clients to easily submit loan applications through various digital platforms [3]. - Key performance indicators are dynamically monitored to continuously optimize resource allocation and process efficiency, leading to significant improvements in service delivery [3]. Group 3: Team Capability Enhancement - A specialized training team composed of business experts has been established to improve the quality and effectiveness of customer service at grassroots outlets, focusing on personal loan knowledge, product insights, compliance requirements, and service skills [4]. - Training methods include case analysis and practical simulations to enhance the professional skills and service capabilities of frontline staff, ensuring that customers receive professional and efficient personal loan services at convenient locations [4]. - The bank's efforts to enhance personal loan service capabilities have effectively expanded financial service coverage and significantly improved service efficiency and customer experience [4].

【#上金所设立工行三亚黄金指定仓库#】11月17日，上海黄金交易所公告，根据上海黄金交易所黄金业 务开展的实际情况，现决定设立中国工商银行股份有限公司三亚分行指定仓库开展黄金仓储业务。（每 经） ...

Core Viewpoint - The Shanghai Gold Exchange has announced the establishment of a designated warehouse for gold storage operations at the Sanya branch of the Industrial and Commercial Bank of China (ICBC) [1] Group 1 - The decision is based on the actual situation of gold business operations at the Shanghai Gold Exchange [1]

Core Insights - The 27th China International High-Tech Achievements Fair (CIHTAF) will be held from November 14 to 16, 2025, in Shenzhen, showcasing over 5,000 innovative products and technologies from more than 5,000 renowned companies and international organizations across over 100 countries and regions [1] - The event highlights the integration of cutting-edge technology with diversified and convenient payment methods, showcasing Shenzhen's modern service capabilities [1] Payment Services - A prominent "Payment Inquiry Desk" is set up at the entrance of the fair to assist foreign exhibitors and visitors with mobile payment inquiries [2] - Foreign attendees, such as a visitor from Mongolia, expressed satisfaction with the ability to use their local e-wallets, like Hipay, for payments without needing to switch apps or bind new cards [4] - A German exhibitor praised the ease of registering for mobile payments and binding international credit cards, enhancing their purchasing experience at the fair [5] Financial Services Ecosystem - The fair features a multi-faceted payment environment, including mobile payments, POS card transactions, cash services, and currency exchange, ensuring a comprehensive payment experience [8] - Financial institutions, such as the Industrial and Commercial Bank of China (ICBC), provide tailored financial services, including cross-border settlement and currency risk management solutions, to support international transactions [10][12] Enhancements in Payment Environment - As of October 2025, Shenzhen's payment environment has significantly improved, with 99.99% of key merchants accepting foreign cards and 3,844 ATMs supporting cash withdrawals from foreign cards [13] - The People's Bank of China, Shenzhen Branch, has established comprehensive service centers at airports and ports to enhance the payment experience for foreign visitors [13] Innovative Financial Products - The People's Bank of China has guided local institutions to launch products that match tourism consumption scenarios, exemplified by the "Scene Benefit Loan (Tourism Scene)" initiative, which integrates finance with tourism [14] - The focus is on optimizing payment services to enhance Shenzhen's international openness and service quality [15]

Core Insights - A total of 8 A-share listed banks have completed their mid-term dividend distributions for 2025, with notable first-time distributions from banks like Changshu Bank, Changsha Bank, and Su Nong Bank [1][3] - Minsheng Bank leads in dividend payout with a total of 5.954 billion yuan, while other banks like Suzhou Bank, Hangzhou Bank, and CITIC Bank are set to distribute dividends next week [1][3] - The trend of mid-term dividends is shifting from an optional practice to a positive factor for smaller banks, as evidenced by Hangzhou Bank's 24.10% year-on-year increase in its dividend payout [3] Summary by Category Dividend Distribution - As of this week, 23 A-share listed banks have disclosed their mid-term dividend plans, accounting for 56.10% of the total, with a cumulative payout of 257.586 billion yuan [3] - The six major state-owned banks collectively account for nearly 80% of the total mid-term dividend payouts, with Industrial and Commercial Bank of China leading at 50.396 billion yuan [3] First-time Dividend Payouts - Seven banks, including Changshu Bank, Ningbo Bank, and Zhangjiagang Bank, have initiated mid-term dividends for the first time, with Changshu Bank distributing 0.15 yuan per share, totaling 0.497 billion yuan [3][4] - Changsha Bank's payout is 0.20 yuan per share, amounting to 0.804 billion yuan, while Su Nong Bank and Zhangjiagang Bank's first-time payouts are 0.182 billion yuan and 0.244 billion yuan, respectively [3] Future Dividend Plans - Jiangyin Bank has announced a proposed dividend of 0.10 yuan per share, pending shareholder approval [4] - Zheshang Bank's vice president indicated that the bank has distributed over 13.2 billion yuan in dividends over the past three years and is considering future dividend arrangements based on policies and industry practices [4]

Core Viewpoint - The news highlights the innovative development of pension finance services in Shaanxi, showcasing how financial institutions are actively addressing the needs of the elderly population through tailored products and services [1][2][7]. Group 1: Financial Institutions' Initiatives - Postal Savings Bank staff successfully prevented a potential loss of nearly 320,000 yuan for an elderly customer by identifying a phone scam and providing timely assistance [1]. - Minsheng Bank has created a customized "Pension Hive" plan, enhancing financial support for elderly clients and filling the financial service gap for private nursing homes, with a total of 19.6389 million yuan in loans issued for the pension industry this year [2]. - Financial institutions are increasingly supporting the pension industry, with government and market collaboration driving the development of the travel and health care industry clusters [3]. Group 2: Product and Service Innovations - The "2025 Xi'an Elderly Expo" featured a live session where Bank of China representatives educated elderly clients on financial safety and personal pension account policies, receiving positive feedback [4]. - Various financial institutions in Shaanxi are innovating services for the elderly, including China Life's launch of ten commercial pension products and the introduction of "Xianyang Medical and Nursing Loan" by ICBC to address funding challenges in community hospitals [5]. Group 3: Integration of Healthcare and Elderly Care - The Taikang Qinyuan Elderly Community, a 1.5 billion yuan investment project, is a benchmark for high-end elderly care in Northwest China, integrating living, medical, and entertainment services [6]. - Financial institutions are leveraging technology to enhance service efficiency, such as the development of evaluation tools for elderly care institutions and user-friendly banking applications for seniors [6]. - Shaanxi is exploring innovative financial tools like pension trusts and reverse mortgage insurance to deepen the integration of smart elderly care and financial services [6].

Core Viewpoint - A strategic cooperation worth 150 billion yuan between China Construction Bank and Changan Automobile is reshaping the future of China's automotive industry, focusing on the development of the "Tianshu Intelligent" technology system [3][4]. Group 1: Strategic Collaboration - The partnership transcends traditional bank-enterprise relationships, representing a deep integration of two "national teams" aimed at high-quality development in the automotive sector [4]. - Changan Automobile, recently established as a new central enterprise, aims to become a world-class automotive group, while China Construction Bank, with assets exceeding 40 trillion yuan, provides significant financial support [4][6]. Group 2: Financial Support and Globalization - China Construction Bank will provide 150 billion yuan to support Changan's "Shangri-La" plan, which focuses on developing three smart new energy brands: Avita, Deep Blue, and Changan Origin [6][7]. - Changan's global sales reached 465,000 units in October, a year-on-year increase of 10.7%, marking a historic high and demonstrating the effectiveness of its globalization strategy [12]. Group 3: Technological Advancements - Changan has invested 61 billion yuan in R&D over the past five years, establishing a global research and development network, and has launched the "Tianshu Intelligent" brand focusing on intelligent driving and safety technologies [10][14]. - The partnership will accelerate the commercialization of advanced technologies, enhancing user experience with features like AI emotional perception and advanced safety systems [16][14]. Group 4: Industry Impact - This collaboration sets a new benchmark for the integration of finance and manufacturing in China's high-end manufacturing sector, providing a model for global automotive industry transformation [17][19]. - The deep integration of financial and industrial capital is expected to propel Changan towards its ambitious goals of achieving 5 million vehicle sales and a 60% share of new energy vehicles by 2030 [19].

Core Insights - The report reveals that in 2024, 5,091 listed companies in China contributed approximately 39,727 billion yuan in actual tax payments, remaining stable compared to 2023, accounting for about 22.7% of the national tax revenue [3][4]. Group 1: Tax Contributions and Distribution - The top 100 listed companies contributed around 73% of the total tax payments, indicating a significant concentration of tax contributions among a small number of firms [5]. - Major contributors include China National Petroleum (3,961 billion yuan) and Sinopec (3,313 billion yuan), with several banks and other companies also exceeding 1,000 billion yuan in tax payments [5]. - The average tax payment per listed company was 7.8 million yuan, with a median of 0.53 million yuan [6]. Group 2: Industry Contributions - The mining, financial, and manufacturing sectors accounted for nearly 77% of the total tax contributions from listed companies, with mining alone contributing about 1 trillion yuan [8]. - The manufacturing sector saw the highest growth in tax contributions, increasing by approximately 22.6 billion yuan, while the real estate sector experienced the largest decline at around -28% [12]. Group 3: Ownership Structure and Tax Burden - State-owned enterprises represented about 30% of listed companies but contributed nearly 80% of the total tax payments, highlighting the dominance of state-owned firms in tax contributions [12]. - The average tax burden for listed companies has decreased over the years, with the tax payment per 100 yuan of revenue dropping to approximately 5.6 yuan in 2024 [13]. - The mining and financial sectors had the highest tax payment per 100 yuan of revenue at around 12 yuan, while the manufacturing sector had a lower tax burden of about 4 yuan [14].