二、中国工商银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，自中国工商银行 政许可决定作出之日起3个月内到任，并按要求及时报告到任情况。未在上述规定期限内到任的，本批 复文件失效，由决定机关办理行政许可注销手续。 2025年11月3日，阜新金融监管分局发布批复称，《中国工商银行辽宁省分行关于陈志刚中国工商银行 阜新分行行长任职资格的请示》（中银辽报〔2025〕165号）及相关说明解释材料收悉。经审核，现批 复如下： 一、核准陈志刚中国工商银行阜新分行行长的任职资格。 三、中国工商银行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固树立风险 合规意识，熟悉任职岗位职责，忠实勤勉履职。 ...

Core Viewpoint - A real estate company in Jiayuguan has fully repaid a real estate development loan from the Industrial and Commercial Bank of China (ICBC), marking a successful resolution of financial support and risk management efforts by the bank [1] Group 1: Loan Repayment and Financial Support - The real estate company had faced significant financial pressure due to industry downturns and reduced market demand, leading to seven loan extensions over the years [1] - The full repayment of the loan principal and interest reflects ICBC Jiayuguan Branch's commitment to supporting enterprises and mitigating financial risks [1] Group 2: Bank's Strategy and Future Plans - ICBC Jiayuguan Branch emphasizes a tailored approach to financial support, avoiding a one-size-fits-all strategy in loan management [1] - The bank plans to continue enhancing its financial services, aligning with national macroeconomic policies, and focusing on high-quality development goals [1]

Core Viewpoint - The article discusses the performance of the Hu-Shen 300 ESG ETF managed by Southern Fund Management, highlighting its recent market activity and returns since inception [1]. Group 1: Fund Performance - The Hu-Shen 300 ESG ETF (560180) opened at 1.182 yuan, experiencing a decline of 0.34% [1]. - Since its inception on April 13, 2023, the fund has achieved a return of 18.78%, with a monthly return of 1.07% [1]. Group 2: Major Holdings - Key stocks in the fund include: - Ningde Times: down 0.30% - Kweichow Moutai: unchanged at 0.00% - China Merchants Bank: up 0.14% - Zhongji Xuchuang: down 1.18% - Changjiang Power: up 0.04% - Midea Group: up 0.31% - BYD: down 0.53% - Industrial Bank: up 0.57% - Industrial and Commercial Bank of China: unchanged at 0.00% - Heng Rui Pharmaceutical: down 0.67% [1].

Core Insights - The mobile banking app has become a core platform for commercial banks to serve users, optimize experiences, and enhance competitiveness in the context of national digital transformation and financial technology innovation [1] - The integration of AI technology, refined operational strategies, and diversified user demands are reshaping the market landscape and value of mobile banking apps [1] User Flow and Behavior - The user flow of mobile banking apps in China is stabilizing between 650 million to 700 million from 2023 to 2025, indicating a saturated market [2] - The decline in user engagement is evident, with average daily usage time dropping from 4.93 minutes to 2.70 minutes and daily usage frequency decreasing from 4.54 times to 2.86 times [4] Operational Strategies - Refined operations are crucial for banks to break through in a saturated market, focusing on precise user insights and intelligent technology applications [6][7] - AI technology is enhancing refined operations by upgrading interaction experiences, strengthening risk control, expanding diverse scenarios, and improving data operations [9] Rankings and Performance - The top three banks by average monthly active users (MAU) are Agricultural Bank of China (24 million), Industrial and Commercial Bank of China (18.9 million), and China Construction Bank (10.6 million) [11][15] - Among joint-stock commercial banks, China Merchants Bank leads with over 7 million MAU, while other banks like Ping An Bank and CITIC Bank follow closely [16][17] - City commercial banks show strong performance, with Jiangsu Bank leading at 349.6 thousand MAU, and several banks achieving significant growth rates [19][20] Case Studies of Successful Apps - Agricultural Bank of China is integrating financial services with daily life scenarios, achieving a 4.8% growth in MAU [28][29] - China Merchants Bank continues to innovate its app to meet customer needs and leverage AI technology [31] - Beijing Bank is focusing on a digital transformation strategy that combines technology, scenarios, and services [35]

Core Viewpoint - The banking industry is undergoing a profound transformation from competitive logic to development models, driven by policies aimed at preventing "involution" and promoting efficiency [1][3]. Group 1: Industry Response - Multiple banking associations and institutions are actively responding to the call to end "involution" by promoting self-regulation and discouraging blind expansion and price wars [3][4]. - The Baise Banking Association has initiated self-regulatory agreements among 27 member banks to prohibit malicious low-price competition and encourage innovation and service enhancement [3][4]. - Other regions, such as Qingyang, are also exploring local strategies to resist "involution" and promote sustainable development [4]. Group 2: Institutional Actions - Some banks are implementing specific measures to combat "involution," including commitments to compliance, stable growth, and reasonable pricing [5]. - Major banks like ICBC and Guangfa Bank have emphasized the importance of resisting "involution" and focusing on long-term value rather than short-term metrics [5][6]. Group 3: Challenges in Execution - Despite the industry's efforts, there are still significant challenges at the grassroots level, including the persistence of practices like indicator swapping among employees [6][7]. - The pressure of year-end performance assessments leads to aggressive marketing tactics, which can undermine the goals of reducing "involution" [6][8]. Group 4: Recommendations for Change - Experts suggest that the banking sector should shift from focusing on short-term metrics to long-term indicators such as customer retention and satisfaction [9][10]. - A three-dimensional governance framework is proposed, emphasizing regulatory guidance, industry collaboration, and institutional transformation to shift the competitive logic from "scale competition" to "value creation" [9][10]. Group 5: Strategic Transformation - Banks are encouraged to transition from being "funding intermediaries" to "service intermediaries," focusing on wealth management, supply chain finance, and digital finance [11]. - The transformation requires banks to leverage their core advantages and integrate into broader economic ecosystems while nurturing specialized talent [11].

Core Viewpoint - The new gold tax policy, effective from November 1, 2025, distinguishes between "investment" and "non-investment" uses of gold, leading to significant adjustments in banking operations and investor behavior [1][2]. Group 1: Impact on Banking Operations - Major banks have temporarily suspended certain gold-related services, such as招商银行's "金生利" and工商银行's gold accumulation services, in response to the new tax policy [1][3]. - The new tax policy allows for VAT exemption on standard gold transactions through designated exchanges, while non-investment uses will incur a reduced VAT of 6% [2]. Group 2: Changes in Investor Behavior - Investors are shifting towards more rational investment strategies, with banks advising clients to limit gold investments to about 10% of their portfolios and to adopt a long-term holding approach [4]. - The demand for gold has surged, leading to increased prices and longer delivery times for gold products, with some banks adjusting their pricing strategies accordingly [3][4]. Group 3: Alternative Investment Products - With restrictions on physical gold, banks are promoting "paper gold" products, which allow for virtual trading of gold without the need for physical delivery, providing a more flexible investment option [6][9]. - "Paper gold" includes various forms such as gold accounts, gold ETFs, and gold futures, which offer advantages like low transaction costs and high liquidity [9].

Core Viewpoint - The acquisition of Jinzhou Bank by Industrial and Commercial Bank of China (ICBC) is progressing, with regulatory approvals for the rebranding of Jinzhou Bank's branches to ICBC branches [2][4][5] Group 1: Acquisition Details - ICBC will officially take over Jinzhou Bank's assets, liabilities, business, branches, and personnel, with the transition expected to occur on November 15 and 16 [3][4] - As of November 5, 174 branches of Jinzhou Bank have been approved to be renamed as ICBC branches, including 14 branches that were downgraded from full branches to sub-branches [4][5] - The rebranding process includes the replacement of Jinzhou Bank's signage with ICBC's, while the operational addresses will remain unchanged [3][4] Group 2: Historical Context - Jinzhou Bank was established in 1997 and became a publicly listed company in Hong Kong in 2015 [7] - The bank faced a severe liquidity crisis in 2019, leading to its classification as a high-risk financial institution, prompting a restructuring and the introduction of several strategic investors, including ICBC [7][8] - ICBC had previously acquired a 10.82% stake in Jinzhou Bank through its subsidiary, ICBC Investment, during the bank's restructuring efforts [7] Group 3: Industry Implications - The acquisition of Jinzhou Bank by ICBC is seen as part of a broader trend of reform and risk management among small and medium-sized banks in China, with large banks playing a crucial role in stabilizing the financial system [9] - The recent changes reflect a market-oriented approach to addressing risks in local financial institutions, emphasizing the importance of capital support and restructuring [9]

Market Performance - The Hang Seng Index rose by 550.49 points, an increase of 2.12%, closing at 26,485.9 points [1] - The H-share Index increased by 192.73 points, closing at 9,355.97 points, with a rise of 2.1% [1] - The Hang Seng Tech Index gained 158.37 points, closing at 5,944.22 points, reflecting a growth of 2.74% [1] Trading Volume - The total trading volume on the main board reached HKD 234.653 billion [1] Blue-chip Stocks - Tencent Holdings rose by 2.38%, closing at HKD 644 [1] - Hong Kong Exchanges and Clearing increased by 2.22%, closing at HKD 433 [1] - China Mobile saw a rise of 0.58%, closing at HKD 87.15 [1] - HSBC Holdings increased by 3.05%, closing at HKD 110.7 [1] Local Hong Kong Stocks - Cheung Kong Holdings rose by 0.3%, closing at HKD 39.64 [1] - Sun Hung Kai Properties increased by 0.72%, closing at HKD 97.55 [1] - Henderson Land Development rose by 0.71%, closing at HKD 28.24 [1] Chinese Financial Stocks - Bank of China rose by 0.88%, closing at HKD 4.57 [1] - China Construction Bank increased by 1.5%, closing at HKD 8.14 [1] - Industrial and Commercial Bank of China rose by 0.96%, closing at HKD 6.31 [1] - Ping An Insurance saw an increase of 3.11%, closing at HKD 58 [1] - China Life Insurance rose by 4.86%, closing at HKD 25.9 [1] Oil and Petrochemical Stocks - China Petroleum & Chemical Corporation rose by 1.19%, closing at HKD 4.25 [1] - China National Petroleum Corporation increased by 1.08%, closing at HKD 8.45 [1] - CNOOC Limited saw a rise of 2.65%, closing at HKD 20.88 [1]

Core Insights - A customer manager at a bank successfully intercepted a significant jade scam, protecting the client from losing over hundreds of thousands of yuan [1][2] - The incident highlights the importance of risk awareness and internal collaboration within financial institutions in combating telecom fraud [2] Group 1: Incident Overview - A teacher attempted to secure a high-limit credit loan for vague consumption purposes, raising the customer manager's suspicions [1] - Through detailed communication, the customer manager uncovered a complex scam involving a supposed jade company CEO who manipulated the teacher into believing in a fraudulent investment opportunity [1] Group 2: Response and Resolution - Upon recognizing the scam, the customer manager maintained communication with the client to prevent further financial loss and reported the situation to the operations supervisor [2] - The operations supervisor promptly contacted local law enforcement, leading to a successful intervention that educated the client about the scam [2] Group 3: Implications for Financial Institutions - The successful handling of the incident demonstrates the effectiveness of the bank's risk prevention training and the critical role of financial institutions in addressing telecom fraud [2] - This case underscores the social responsibility of financial entities in safeguarding clients and maintaining financial security [2]

Core Insights - The article highlights the increasing internationalization of Nantong, leading to a rise in foreign personnel studying and working in the area, which has prompted local banks to enhance their services for this demographic [1][2] Group 1: Service Innovations - Nantong Chengshan Road Branch has introduced a "Four Have" service initiative to cater to the financial needs of foreign clients, significantly improving their service experience and satisfaction [1][2] - The branch has established a green channel for account opening, minimizing unnecessary documentation and ensuring a streamlined process where clients can complete their transactions in one visit [1][2] - Foreign currency exchange services have been expanded to include ten types of currencies, with an emphasis on online appointment functionalities that allow clients to complete transactions within five minutes upon arrival [1][2] Group 2: Professional Support - The branch has equipped itself with professional financial managers to provide in-depth financial consulting services, helping foreign clients navigate local financial regulations and products [2] - Language barriers are addressed by ensuring staff members are fluent in English, and providing bilingual signage and documentation to facilitate clear communication [2] - The "Four Have" service measures effectively tackle key pain points for foreign clients, such as difficulties in account opening, slow currency exchange, lack of consultation, and communication challenges [2] Group 3: Commitment to Service Excellence - The bank is committed to a "customer-first" philosophy, aiming to continuously enhance service quality and create a more convenient and friendly financial environment for foreign residents in Nantong [2] - The initiative is part of a broader strategy to improve the international business environment in Nantong, reinforcing the bank's reputation in cross-border financial services [2]