转自：新华财经 12月12日，工行四川省分行受邀参加成渝地区国家先进制造业集群"强链融圈"暨成渝地区产业合作园区高质量发展推进活动。活动中，该行作"工银惠群"服 务先进制造业集群的专题推介，并发布支持集群发展的创新服务措施及产品。 此外，工行四川省分行还参加了成渝地区电子信息先进制造业集群和成渝地区生物医药先进制造业集群的活动，并作服务方案宣讲和产品推介。 编辑：张震 图为工行四川省分行作重点产品推介 近年来，四川将先进制造业集群培育作为推动产业向中高端迈进、提升产业链供应链韧性、培育经济发展新动能的重要抓手。全省5大国家先进制造业集群 具有技术含量高、配套产业多、资本聚集密、发展前景好等特点，但也存在客群分布广、需求多样化的特征，对银行服务适配性提出更高要求。 经过持续稳健发展，中国工商银行已经建立了"贷+债+股+代+租+顾"的投融资体系，不仅可以做表内贷款，还可以联动海内外分支机构，以及工银理财、工 银金租、工银国际、工银投资、工银安盛等集团子公司为企业提供综合服务。工行四川省分行整合表内外融资资源，充分发挥综合化服务优势，不断帮助企 业提高资金使用效能，截至今年9月末，该行制造业贷款余额已超1200亿元 ...

Group 1 - The core viewpoint of the article highlights that as of December 13, 26 A-share listed banks have disclosed their mid-term or quarterly dividend plans for 2025, surpassing the 24 banks that did so in the same period of 2024, with total dividends expected to exceed 260 billion yuan [1][3] - The banks disclosing dividend plans include 6 large state-owned banks, 6 joint-stock banks, and 14 small and medium-sized banks, with the six major state-owned banks expected to contribute over 200 billion yuan in cash dividends [3] - Industrial and Commercial Bank of China leads with an estimated dividend of approximately 50.4 billion yuan, followed by China Construction Bank, Agricultural Bank of China, Bank of China, Postal Savings Bank of China, and Bank of Communications [3] Group 2 - Joint-stock banks such as Industrial Bank and CITIC Bank are expected to have mid-term dividends exceeding 10 billion yuan, while China Everbright Bank and Minsheng Bank are projected to exceed 5 billion yuan [3] - Some small and medium-sized banks, like Shanghai Bank and Nanjing Bank, also show significant dividend amounts, with several banks like Industrial Bank and Ningbo Bank introducing mid-term dividend plans for the first time [3] - The increase in dividend frequency among commercial banks is a response to the new "National Nine Articles" aimed at promoting multiple dividends per year for listed companies, enhancing the connection between company profits and investor returns [3] Group 3 - More frequent dividends can directly enhance shareholder satisfaction, allowing investors to share in the banks' operational success in a timely manner [4] - Stable cash returns align well with the investment needs of long-term funds such as social security funds, pension funds, and insurance capital, helping to attract these funds for long-term holding [4] - The positioning of banks as dividend-oriented can create a virtuous cycle of attracting long-term capital, enhancing stock price stability, and reducing abnormal price fluctuations caused by short-term speculation [4]

浙江大学金融研究所所长王维安在主题演讲中就中国宏观经济金融形势与政策展开深度分析，解读中国 经济基本面、政策导向及核心挑战。他表示，2026年，中国将实施更加积极的财政政策和适度宽松的货 币政策，以科技创新引领新质生产力发展，推进产业结构升级与数字化转型。 中国工商银行金边分行总经理林士强分享柬埔寨经济金融态势及相关热点问题，为中企出海与跨境合作 提供参考。他表示，柬国经济持续温和增长，人口红利显著，投资活跃度创新高，跨境人民币应用成效 显著。该分行将不断优化产品，为助力中柬共建"一带一路"、推动两国经贸合作贡献金融力量。(完) 钟洁在致辞中指出，中柬经贸合作面临广阔发展前景，双方在数字经济、绿色经济、农产品深加工等领 域加强投资对接，进一步深化金融等新兴领域合作，持续为中柬经贸合作注入新动能。坚信在中柬双方 的携手努力下，双边经贸合作一定能够穿越任何周期，显示出更强的韧性与活力。 中新网金边12月13日电 (杨强 强宝仪)中国驻柬埔寨大使馆公使衔参赞钟洁13日在金边表示，当前全球 经济增长动能不足，各国经济发展和国际经贸合作面临诸多挑战，中柬两国持续推进"一带一路"建 设，"钻石六边"合作框架更加充实，给两 ...

记者丨张欣 编辑丨曾芳 12月12日，全国金融系统工作会议在京召开，中共中央政治局委员、中央金融委员会办公室主 任何立峰出席会议并讲话，为2026年金融系统工作划定核心方向。 同日，工行、建行、农行、中行等国有大行召开党委会议，传达学习中央经济工作会议精神， 结合全国金融系统工作会议要求，研究部署贯彻落实措施，明确2026年及 "十五五" 时期工作 重点，为助力经济高质量发展、服务金融强国建设提供金融支撑。 四家国有大行在贯彻落实会议精神过程中形成明确共识，均紧扣"防风险、强监管、促高质量 发展"工作主线，锚定三大核心方向推进2026年工作： 一是坚持党中央对金融工作的集中统一领导。 工行、农行、建行、中行均强调要深刻领悟 "两个确立" 的决定性意义，坚决做到"两个维 护"。其中，工行和农行还强调要增强 "四个意识"、坚定 "四个自信"。 工行和中行提出要牢固树立和践行正确政绩观、业绩观，持之以恒推进全面从严治党，抓好中 央巡视整改常态化长效化。农行、建行也明确要加强党的建设，树立正确业绩观，确保中央决 策部署落地见效。 二是聚焦主责主业，做深做实金融"五篇大文章"。 四家银行均提出要全面做好金融 "五篇大文 ...

Core Viewpoint - The national financial system work conference outlined the core directions for the financial system's work in 2026, emphasizing the importance of risk prevention, strong regulation, and promoting high-quality development [1][3]. Group 1: Core Directions for 2026 - The four major state-owned banks have reached a consensus on three core directions: maintaining centralized leadership from the Party, focusing on their main responsibilities, and ensuring the balance between development and safety [3][6]. - The banks emphasized the significance of understanding and implementing the "two establishments" and "two safeguards" to ensure effective execution of central policies [3][4]. Group 2: Focus on Main Responsibilities - The banks aim to enhance financial support in key areas such as expanding domestic demand, technological innovation, and support for small and micro enterprises [4][5]. - Agricultural Bank of China (ABC) plans to align with new policies and projects to boost consumption and stabilize investment through significant credit allocations [5][9]. - The banks are committed to improving financial services for the real economy, particularly in areas like green finance and support for small and micro enterprises [4][5]. Group 3: Risk Prevention and Management - All four banks prioritize the prevention and resolution of financial risks, with a focus on maintaining asset quality and managing various risks effectively [6][7]. - The banks are dedicated to ensuring that systemic risks do not occur, particularly in sectors like real estate and local government debt [7][8]. Group 4: Differentiated Work Focus - Each bank has defined its unique focus areas: Industrial and Commercial Bank of China (ICBC) emphasizes its role as a mainstay in the market, while China Construction Bank (CCB) focuses on digital transformation [8][9]. - Bank of China (BOC) aims to leverage its cross-border financial advantages to enhance global competitiveness and support international trade [9]. - ABC is committed to strengthening rural financing and supporting the high-quality development of rural economies [9].

Core Viewpoint - The recent trading activity of Industrial and Commercial Bank of China (ICBC) indicates a significant net selling by institutional investors, with a total transaction amount of 24.78 million yuan on December 12, 2023, reflecting a cautious market sentiment towards the stock [1][2]. Group 1: Trading Activity - On December 12, 2023, ICBC recorded two block trades totaling 3.11 million shares, with a transaction value of 24.78 million yuan at a price of 7.97 yuan per share [1][2]. - The closing price of ICBC on the same day was 7.97 yuan, marking a decline of 0.38% with a daily turnover rate of 0.19% and a total trading volume of 4.11 billion yuan [1]. - Over the past five days, ICBC's stock has seen a cumulative decline of 0.25%, with a total net outflow of 515 million yuan [1]. Group 2: Financing Data - The latest margin financing balance for ICBC stands at 2.069 billion yuan, which has decreased by 51.80 million yuan over the past five days, representing a decline of 2.44% [2]. - ICBC was established on November 22, 1985, with a registered capital of approximately 35.64 billion yuan [2].

Core Viewpoint - The implementation of "Shanghai Science Credit Loan" aims to enhance financial support for technology-driven enterprises by using the "Shanghai Science Credit" as a key evaluation tool for innovation capabilities and financial assistance [1] Group 1: Policy and Implementation - The People's Bank of China Shanghai Branch, along with several local financial and regulatory bodies, has issued a notice to promote "Shanghai Science Credit Loan" as a specialized financial product for evaluating and supporting enterprise innovation [1] - Financial institutions in Shanghai are encouraged to utilize "Shanghai Science Credit" as a basis for assessing the innovation capabilities of local enterprises, facilitating loan issuance under manageable risk conditions [1] Group 2: Case Studies of Financial Support - A biotechnology company with a "Shanghai Science Credit" score above 80 has received a loan of 30 million yuan from Bank of Communications Shanghai Zhangjiang Branch, utilizing a differentiated credit model based on its innovation capabilities [2] - Shanghai Guangjiang Environmental Art Co., Ltd. increased its loan limit to 2.8 million yuan through collaboration with Bank of China Shanghai Branch, which utilized the "Shanghai Science Credit" evaluation to address financing challenges for small and medium-sized tech enterprises [3] Group 3: Features of "Shanghai Science Credit Loan" - The notice outlines that financial institutions should enhance the application of "Shanghai Science Credit" results, offering differentiated arrangements such as increased loan limits and reduced interest rates for top-ranked enterprises [4] - Institutions are encouraged to innovate the design of "Shanghai Science Credit Loan" products, focusing on key industries and enhancing the convenience of application processes through digital technology [4] Group 4: Future Directions - The People's Bank of China Shanghai Branch plans to establish a joint working mechanism to strengthen policy coordination and promote the expansion of "Shanghai Science Credit Loan" products [5]

Group 1 - A total of 143 bonds are set to mature or pay interest in the upcoming week from December 13 to December 19 [2][6] Group 2 - The list includes various bonds from different issuers, with details such as the issuer name, bond name, outstanding amount, and maturity/payment dates [3][4]

【工商银行：积极支持构建房地产发展新模式 助力有序化解地方政府债务风险】智通财经12月12日 电，中国工商银行党委传达学习中央经济工作会议精神。会议强调，要扎实做好"五篇大文章"，积极融 入强大国内市场，加力支持扩大内需、科技创新、中小微企业等重点领域。围绕服务高水平安全，积极 支持构建房地产发展新模式，助力有序化解地方政府债务风险。持续巩固深化全面风险管理体系，确保 资产质量基本稳定、各类风险总体可控。 转自：智通财经 ...

Core Viewpoint - The meeting of the Industrial and Commercial Bank of China (ICBC) emphasized the importance of aligning with the spirit of the Central Economic Work Conference, which provides guidance for economic and financial work in the upcoming year and beyond [1][7]. Group 1: Key Themes from the Meeting - The meeting highlighted the significance of the achievements during the 14th Five-Year Plan and the need to understand the decisive meaning of the "two establishments" [2][8]. - It stressed the importance of confidence, leveraging advantages, and addressing challenges to maintain economic stability and growth [2][8]. - The meeting called for a comprehensive understanding of the overall requirements and policy directions for economic work in the coming year, focusing on the "eight persistences" [2][8]. Group 2: Implementation Strategies - The meeting outlined five key strategies for financial work: 1. Upholding the centralized and unified leadership of the Party over financial work, enhancing political capabilities, and promoting strict governance [3][9]. 2. Acting as a main force to promote high-quality development by providing comprehensive financial solutions and supporting key sectors such as domestic demand and technology innovation [3][9]. 3. Serving as a stabilizing force by managing risks and ensuring asset quality remains stable [3][9]. 4. Leading efforts in high-level openness and supporting initiatives like the Belt and Road [3][9]. 5. Acting as a benchmark bank to enhance reform effectiveness and align with the financial power construction goals [4][10]. Group 3: Future Work Focus - The meeting emphasized the need to complete annual goals with high quality and to plan for the key tasks of the 15th Five-Year Plan to ensure a strong start [4][10].