然而，前段时间，超级台风来袭，强降雨引发的洪水裹挟着泥沙漫过鱼池，导致过滤系统损毁、种苗流 失，养殖场瞬间陷入停滞。 危难之际，邮储银行闽侯县马腾支行工作人员送上了金融支持。"灾情就是指令，我们当场启动绿色通 道。"该支行相关负责人介绍，当时，客户经理通过手机银行App实时测算授信额度，并现场收齐材 料、加急审批，最终，超200万元信贷资金当日到账。 "这笔钱像'及时雨'，不仅帮我们抢修好过滤系统，保住核心种苗库，还对养殖场进行了升级改造。"张 文春至今记忆犹新。 激活链式发展动能 经过升级改造后的闽侯县南通春园鲤生态养殖场呈现出欣欣向荣的新气象——标准化鱼池里，新型过滤 系统让废水循环利用，养殖效率提升30%；园林式庭院中，景观步道串联起观赏区与休憩点，美丽的景 观促使养殖场年接待游客量同比大增50%。 ■本报记者 郝飞 福州是全国最大金鱼养殖基地，有着"中国金鱼之都"的美誉。2024年，福州金鱼销售额达12亿元，稳居 全国之首，产品远销十余个国家和地区。 从一尾尾灵动的观赏鱼到串起完整产业链、激活乡村文旅的新动能，福州金鱼产业的发展，离不开金融 活水精准滴灌。当前，邮储银行正以定制化金融方案，助力福州金鱼 ...

■本报记者 郝飞 近年来，邮储银行聚焦乡村振兴重点产业发力，持续打造专业服务队伍，在广袤田野间书写着乡村振兴 的生动篇章。 筑牢乡村振兴根基 产业兴旺是乡村振兴的重要基础。邮储银行聚焦乡村振兴重点产业，深入一线调研，摸清产业发展现 状、评估开发前景，针对特色产业痛点整合资源、创新服务模式，为乡村产业发展注入金融动能。 河南兰考县木制品产业集聚数百家中小企业，年产值规模可观，但长期存在设备自动化水平低、融资渠 道窄、产业链协同不足等发展瓶颈。 在山东莘县，邮储银行莘县支行客户经理们把田间地头当作工作主战场。该支行通过提供金融专业知识 与农技知识培训，持续提升员工服务能力，让客户经理能够更精准地帮助群众解决生产难题、实现增产 增收。 江苏徐州丰县"新型农业主体能力提升培训班"课堂上，邮储银行丰县支行工作人员化身"金融导师"，将 复杂的金融政策转化为通俗易懂的"致富经"。 从特色产业精准扶持到乡土力量持续培育，邮储银行正以不断深化的金融服务，持续为乡村振兴注入动 力，助力广袤乡村在高质量发展的道路上稳步前行。 "我们创新推出'核心企业+上下游'授信模式，破解产业链融资堵点。"邮储银行兰考县支行相关负责人 表示。 截 ...

随着国家"双碳"目标推进，可再生资源行业迎来发展风口，企业计划新增先进生产项目。和小军介 绍，"今年，我们计划推进二期项目，邮储银行再次给予我们强有力的金融支持。可以说，企业6年稳健 发展的每个关键步伐，都离不开邮储银行吉安分行每年1500万元以上的持续资金支持。" 在支持江西源丰公司过程中，邮储银行吉安分行充分发挥自身优势。深入调研企业行业特点、经营模式 和发展规划，量身定制金融服务方案；积极响应国家绿色金融政策，为绿色企业开辟信贷审批绿色通 道，简化手续、提升效率，并提供全方位金融咨询服务，助企优化财务管理，提升资金使用效率。 ■本报记者 郑长灵 近年来，邮储银行江西吉安分行积极践行金融"五篇大文章"，锚定绿色金融赛道，为实体经济注入强劲 动能。经过6年持续信贷支持，江西源丰有色金属有限公司（以下简称"江西源丰公司"）实现跨越式发 展，从年营收6.15亿元的中型企业跃升为产值近10亿元的循环经济标杆。截至今年5月末，邮储银行吉 安分行已累计向江西源丰公司投放贷款超1亿元，成为企业绿色转型的坚实后盾。 走进江西源丰公司生产车间，一条年处理14.4万吨的生产线高效运转。废旧蓄电池在此经历破碎、分 选、熔炼等工 ...

记者丨 叶麦穗 实习生孙筠雅 编辑丨包芳鸣 银行的"红包行情"持续，7月11日，招商银行和西安银行双双派发红包，而就在前一日中信银 行和北京银行也刚刚实施完毕分红。 根据同花顺统计，A股上市银行2024年年度分红累计总额超过6300亿元，相比前一年增加了 200亿元。就在银行派发去年红包的同时，银行的中期分红也在路上。大额红包也让银行股大 火，以工农中建等为代表的18只银行股在2025年年内先后创出新高，中证银行指数上涨17%， 成为今年行业板块"最靓的仔"。 银行分红高峰期 进入7月后，A股上市银行迎来分红高峰期。7月11日，招商银行和西安银行两家银行同日 派"红包"。根据此前的公告，招商银行向全体A股股东每股派发现金红利2.000元（含税），合 计派发金额约504.40亿元，其中A股现金红利达412.58亿元。此次分红方案延续了招商银行一 贯的高比例分红政策，以公告日假设股价35元/股计算，股息率约为5.7%。 西安银行则向全体股东每10股派现1元（含税），合计派发现金红利人民币4.44亿元，占同期 归母净利润的比例为17.37%，不送红股，不进行资本公积转增股本。 而就在前一天，7月10日，北京银行和中 ...

近期，还有多家国有大行地方分支机构原行长、管理层反腐消息陆续传出。7月9日消息，工商银行山东德州分 行原行长赵忠江被查；7月8日消息，农业银行漳州万达支行原行长何龙昌被查；7月2日消息，邮储银行湖北省 分行原党委书记、行长张雪松被开除党籍和公职。股份行方面，近日中信银行财富管理部副总经理袁东宁接受 调查。 姜壹盛曾执掌工银澳门5年 7月11日，据中央纪委国家监委驻工商银行纪检监察组、广东省纪委监委消息，工银澳门原董事长姜壹盛涉嫌 严重违纪违法，目前正接受驻工行纪检监察组纪律审查和广东省珠海市监察委员会监察调查。 7月份以来金融反腐力度不减，又有一批国有大行干部被查！ 7月11日，据中央纪委国家监委网站消息，中国工商银行（澳门）（下称"工银澳门"）原董事长姜壹盛涉嫌严 重违纪违法目前正接受纪律审查和监察调查。公开资料显示，姜壹盛于2023年6月卸任工银澳门董事长等职 务。 除了国有大行，股份行方面也有反腐消息传出。7月10日，贵州省纪委监委发布通报， 中信银行股份有限公司 财富管理部副总经理袁东宁 涉嫌严重违纪违法，目前正在接受中信银行股份有限公司纪委纪律审查和六盘水 市监委监察调查。 公开信息显示，袁东宁曾在 ...

21世纪资管研究院研究员 唐曜华 实习生 姜博文 近期债市震荡、股市站上3500点，部分"固收+权益"类产品短期收益率走高受关注。理财通评评"理"第42期 继续测评银行热销产品，本期测评7月9日邮储银行APP近7天热销榜排第二的产品：周周红丨优盛·鸿锦最短持有7天3号ESG优选A，该产品近一周销售笔数 2.62万笔。截至7月11日，已有超过5万人购买。 从同系列产品整体表现来看，南财理财通数据显示，4只"优盛·鸿锦最短持有7天"系列产品今年上半年平均净值增长率为1.66%，年化后约3.32%，其中本期 测评的"优盛·鸿锦最短持有7天3号ESG优选A"上半年收益最高。 测评结果显示，该产品收益表现得分64分，风险控制得分99分，风险调整收益37分，综合费率得分61分，分别在786只同类产品中排第43、653、208、357， 总分66分，打败92.62%的同类产品。以下为该产品的详细测评报告： | 每日可申赎 | | --- | 该产品近1个月年化收益率高达7.92%，在6月25日左右净值出现了明显上涨，从股市和债市表现来看，6月25日左右股市明显强于债市，不知是否受益于股 市上涨。该产品在今年一季度投资管理报 ...

Core Insights - Postal Savings Bank of China (PSBC) in Baise City, Guangxi, has formed a financial service team to address the financing challenges faced by agricultural businesses in key product areas such as star anise and ginger [1][2] - The initiative aims to enhance financial service coverage, accessibility, and satisfaction, thereby injecting strong financial momentum into local specialty industries and rural revitalization [1][2] Group 1: Financial Services and Products - The PSBC team has developed a tailored "Industry Loan" product to address the common issue of insufficient collateral among agricultural entities, leveraging a tripartite mechanism involving bank credit, agricultural guarantee company support, and industry association collaboration [2] - The "Industry Loan" offers flexible credit, inclusive interest rates, and efficient approval processes, breaking traditional credit models' rigid collateral requirements [2] - Initial statistics indicate that two major star anise buyers have expressed interest in loans totaling 6 million yuan, with potential financing needs exceeding 10 million yuan across various industry chain segments [2] Group 2: Industry Collaboration and Future Plans - The head of the ginger industry association in Tianlin County has expressed strong support for the tripartite collaboration model, planning to host promotional events to deepen the "bank + guarantee + association" service mechanism [2][3] - The PSBC aims to continue innovating its service model by developing more inclusive financial products tailored to county-level industry development needs and optimizing credit processes to support agricultural efficiency and farmer income growth [3]

Core Insights - Postal Savings Bank of China Wuxi Branch actively implements the national pension strategy, focusing on the "U Enjoy Future" personal pension brand to create a comprehensive pension financial service system covering the entire life cycle [1] Group 1: Personal Pension Products - Since the launch of personal pension services, the bank has introduced over 100 products, including pension savings deposits, pension Y-share funds, pension L-share wealth management, and pension insurance, catering to various risk preferences and retirement needs [2] - As of June 2025, the cumulative balance of personal pension accounts at the Wuxi Branch reached 59,333 accounts, meeting diverse financial needs of the elderly [2] Group 2: Social Security Card Services - The Wuxi Branch promotes convenient social security card services, achieving a one-stop service for social security and financial business at 143 outlets, with a coverage rate of 89.94% [3] - Through community activation activities, the bank extends services to residents' doorsteps and provides on-site card issuance for new citizens in construction payroll projects [3] - As of June 2025, the cumulative balance of the third-generation social security cards reached 91,495 accounts, benefiting numerous families [3] Group 3: Age-Friendly Initiatives - To bridge the digital divide, the bank has upgraded its mobile banking with a large font version and simplified operational processes, benefiting over 29,900 elderly customers [4] - The bank has established an "online + offline" anti-fraud education network, conducting over 40 anti-fraud education activities throughout the year to protect the financial security of elderly clients [4] - In the next phase, the Wuxi Branch will continue to leverage its network advantages to deepen the integration of pension finance scenarios and introduce more financial products and services tailored for the elderly [4]

Group 1 - The core point of the announcement is the convening of the fund holders' meeting for the Ping An Huijia Pure Bond Fund, which did not meet the required quorum for decision-making [1][2] - The meeting was held via communication method, with the record date set for June 12, 2025, and voting period from June 12 to July 9, 2025 [1] - The costs associated with the meeting, including notarization and legal fees, amounted to 35,000 yuan, which will be borne by the fund's assets [2] Group 2 - The company announced the addition of Ping An Bank as a sales institution for its funds, effective July 11, 2025, allowing investors to perform various transactions through the bank [4] - The announcement includes details on systematic investment plans (SIPs) and fund conversion processes, emphasizing that minimum investment amounts will be determined by the fund's announcements [5][6] - Investors can enjoy fee discounts when purchasing or converting funds through Ping An Bank, with the specifics of the discounts being at the bank's discretion [6] Group 3 - The company also announced the addition of China Postal Savings Bank as a sales institution for its funds, effective July 11, 2025, enabling similar transactions as with Ping An Bank [9][10] - Similar to the previous announcement, it outlines the SIP and fund conversion processes, with minimum amounts set by the fund's announcements [11][12] - Fee discounts are also applicable for transactions through Postal Savings Bank, with the bank holding the authority to determine the discount rates [12]

Core Viewpoint - Postal Savings Bank of China (PSBC) Zhejiang Branch focuses on enhancing financial services for rural revitalization, prioritizing agricultural and rural development through innovative financial products and services [1][4]. Group 1: Financial Services and Innovations - PSBC Zhejiang Branch has seen a continuous increase in agricultural loans, with a total balance exceeding 230 billion yuan as of June, ranking among the top in the system [1]. - The bank has established 974 rural outlets, with over 70% located in rural areas, enhancing financial accessibility [1]. - The "Tea Aroma Quick Loan" product was introduced to support the tea industry, providing quick credit with a maximum limit of 3 million yuan [2]. - The bank has developed specialized loans for various agricultural sectors, including "Mushroom Loan" and "Mussel Loan," with a total balance of 13.6 billion yuan in specialized industry loans [3]. Group 2: Community Engagement and Support - PSBC has integrated party-building activities with rural revitalization efforts, conducting nearly 300 themed events to assist local farmers [4]. - The bank has provided significant credit support to agricultural innovation groups, with 530 million yuan granted to a local association and 1 billion yuan to a city-level association [4]. Group 3: Digital Transformation and Future Plans - The bank is advancing a rural big data platform to enhance credit evaluation and loan approval processes, with over 130 billion yuan in personal loans issued to farmers [6]. - A new closed settlement system for the tea industry has been implemented to improve transaction efficiency and security, expected to mobilize over 100 million yuan in funds [6]. - Future plans include focusing on coordinated urban-rural development, modern agricultural practices, and supporting new agricultural entrepreneurs [6].