Core Insights - Postal Savings Bank of China (PSBC) is actively promoting inclusive finance and supporting rural industry development in Ganzhou, Jiangxi Province, through innovative products and services [1][2][5] Group 1: Financial Support Initiatives - PSBC's Ganzhou branch has implemented targeted financial initiatives such as "Strong Towns and Rich Villages" and "Lighting Action" to inject financial resources into local specialty industries [1][3] - The bank has provided significant financial support, including a 1 million yuan "industry loan" to a peanut processing factory, enabling the owner to expand operations and achieve projected sales of over 3 million yuan [1][2] - The bank's branches have collectively issued over 3.27 billion yuan in personal operating loans to more than 600 agricultural operators and farmers this year [2][5] Group 2: Case Studies of Agricultural Support - In Anyuan County, PSBC provided a 300,000 yuan "industry loan" to a kiwi fruit plantation, allowing the business to stabilize and achieve an expected annual yield of 500 tons [2][3] - In Xunwu County, the bank issued 1.5 million yuan in credit to support the cultivation of sweet persimmons, which are projected to yield around 40,000 pounds, marking a 20-30% increase from the previous year [4] - The bank has facilitated the growth of various local fruit industries, contributing over 2 billion yuan in loans to benefit more than 700 agricultural operators [4][5] Group 3: Overall Impact - PSBC has issued over 100 billion yuan in small loans, benefiting more than 530,000 clients, effectively linking the agricultural production chain in southern Jiangxi [5]

Core Insights - The article highlights the successful implementation of China's first domestic factoring supply chain finance business utilizing digital RMB smart contracts, marking a significant innovation in financial services for small and medium-sized enterprises in the industrial chain [1] Group 1: Business Implementation - The business was launched under the guidance of the Yangzhou municipal government, the People's Bank of China Yangzhou branch, and the Postal Savings Bank of China [1] - The operation leverages the Postal Savings Bank's "U Chain" supply chain finance platform, integrating the programmability of digital RMB with smart contract technology [1] Group 2: Process Overview - The core enterprise, Jiangsu ** Construction Engineering Co., Ltd., confirmed accounts payable to the supplier, Yizheng City ** Building Materials Trading Co., Ltd., which initiated a financing request online [1] - The smart contract automatically generated contract certificate information based on the borrowing agreement, enabling a fully online and automated financing process [1] Group 3: Future Plans - The Postal Savings Bank's Yangzhou branch plans to deepen its digital transformation and replicate this model across more industrial scenarios [1] - The bank aims to fully utilize digital RMB smart contracts to enhance the quality and efficiency of the supply chain finance ecosystem [1]

Core Viewpoint - The article discusses the evolution and implementation of green finance in China, highlighting the role of Postal Savings Bank in supporting green development and achieving carbon neutrality goals through innovative financial products and risk management strategies [3][4][5]. Group 1: Green Finance Development - The concept of "Green Mountains and Clear Water are Gold and Silver Mountains" has influenced China's financial industry, shifting the focus from merely increasing green finance to addressing complex challenges such as carbon reduction and preventing greenwashing [3][4]. - Postal Savings Bank, with nearly 40,000 outlets, serves as a model for balancing inclusive finance and commercial viability in green finance [3][4]. Group 2: Financial Tools and Innovations - The bank has developed a comprehensive transformation finance service system to support low-carbon transitions across various industries, emphasizing institutional development, product innovation, and regional practices [4][5]. - Innovative financial products include the first "sustainable development-linked + energy supply" debt financing plan and a "carbon reduction support tool + sustainable development link + digital RMB" loan model [5][6]. Group 3: Risk Management in Green Finance - Postal Savings Bank has established a unified ESG risk management system to ensure the integrity and asset quality of its green finance operations, implementing a full-process risk control mechanism [6][7]. - The bank focuses on data governance, process control, and personnel training to mitigate risks associated with greenwashing [6][7]. Group 4: Technological Integration - The integration of financial technology, such as big data and artificial intelligence, is crucial for enhancing the efficiency of green finance services and risk management [7][8]. - The bank has developed a comprehensive environmental information database and an intelligent recognition engine for green projects, significantly improving the accuracy and efficiency of green asset identification [7][8]. Group 5: County-Level Green Finance Initiatives - Postal Savings Bank is actively addressing the unique green finance needs of county-level regions by innovating products and services tailored to local characteristics [9][10]. - Examples include a 150 million yuan financing model for water environment governance and a comprehensive green circular economy system for agricultural industries [9][10]. Group 6: Balancing Inclusivity and Sustainability - The bank aims to balance the inclusivity of county-level green projects with commercial sustainability by refining credit policies and enhancing ESG risk management [11][12]. - Strategies include precise credit resource allocation, strengthening risk monitoring, and utilizing structural monetary policy tools to lower financing costs for green projects [11][12].

Core Insights - The article highlights the significant role of financial support in enhancing the agricultural supply chain, particularly through the case of Sichuan Sanlian Poultry Logistics Center, which received a 14 million yuan credit loan from Postal Savings Bank to alleviate liquidity pressure and support rural revitalization [1][2][4]. Financial Support and Impact - Sichuan Sanlian Poultry, a leading player in the poultry industry in Southwest China, has benefited from a 14 million yuan credit loan, which not only eases its cash flow issues but also positively impacts thousands of farmers in the supply chain [1][2]. - The loan is part of the "Huinong Loan" initiative launched by Postal Savings Bank, aimed at supporting agricultural enterprises, with a focus on quick response to the needs of leading agricultural companies [2][6]. Operational Efficiency - The loan approval process was notably efficient, taking only two weeks, demonstrating the bank's commitment to providing timely financial assistance [3][4]. - The financial support allows Sanlian Poultry to engage in bulk purchasing, reducing procurement costs by 10% to 15%, and ensuring timely payments to farmers [3][4]. Broader Economic Effects - The financial assistance creates a ripple effect, potentially generating over 50 million yuan in funds for the upstream and downstream sectors, benefiting nearly a thousand small and medium-sized enterprises [4][6]. - The model of supporting leading enterprises to activate the supply chain has established a virtuous cycle, enhancing the overall economic landscape for local farmers [4][7]. Community Engagement and Support - Sanlian Poultry's approach includes not only financial support but also direct assistance to farmers, such as providing quality chicks and training, ensuring sustainable income for farmers [6][7]. - The bank's strategy includes a comprehensive service model that addresses the financing challenges faced by agricultural enterprises, promoting a collaborative approach to rural development [6][7].

Core Viewpoint - Dongguan is actively pursuing a new journey of "technological innovation + advanced manufacturing," with Guangfa Bank's Dongguan branch providing comprehensive financial support to local enterprises for high-quality economic development [2][5]. Group 1: Financial Support for Enterprises - Guangfa Bank's Dongguan branch has developed a systematic and full-cycle "Guangfa Sci-Tech Financial Service Model" to support the growth of sci-tech enterprises [2]. - A national high-tech enterprise in Dongguan is planning to invest over 500 million yuan in its "smart manufacturing base" project, which is crucial for its strategic transformation [2]. - Guangfa Bank has significantly increased its credit support for this enterprise from 30 million yuan to 140 million yuan, addressing urgent funding needs and reducing financing costs [2]. Group 2: Tailored Financial Solutions - The bank has provided over 100 million yuan in loans to the enterprise, enabling it to focus on technology research and market expansion [2]. - In the Songshan Lake High-tech Zone, the bank extended its services to a newly established subsidiary of a core supplier for major global brands, overcoming traditional collateral limitations by offering 200 million yuan in pure credit [3]. - A loan of 100 million yuan was successfully issued to meet the subsidiary's raw material procurement needs for peak season orders [3]. Group 3: Service Model Evolution - Guangfa Bank has transitioned from single-client support to empowering entire industrial chains, evolving from providing working capital to offering comprehensive financial accompaniment for strategic transformations [4]. - The bank aims to continue enhancing its sci-tech financial service system and systematically promote successful experiences derived from serving "technological innovation + advanced manufacturing" [5].

Core Viewpoint - Postal Savings Bank of China (01658.HK) announced that its board meeting will be held on October 30, 2025, to review and approve the company's third-quarter results for the nine months ending September 30, 2025 [1] Summary by Category - **Company Announcement** - The board meeting is scheduled for October 30, 2025 [1] - The meeting will focus on reviewing and approving the third-quarter performance for the period ending September 30, 2025 [1]

Core Viewpoint - Postal Savings Bank of China (01658.HK) announced that its board meeting will be held on October 30, 2025, to review and approve the company's third-quarter results for the nine months ending September 30, 2025 [1] Summary by Category - **Company Announcement** - The board meeting is scheduled for October 30, 2025 [1] - The meeting will focus on reviewing and approving the third-quarter performance for the period ending September 30, 2025 [1]

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 POSTAL SAVINGS BANK OF CHINA CO., LTD. 承董事會命 中國郵政儲蓄銀行股份有限公司 杜春野 聯席公司秘書 中國，北京 2025年10月17日 於本公告日期，本行董事會包括董事長及非執行董事鄭國雨先生；執行董事劉建軍先生及 姚紅女士；非執行董事韓文博先生、劉新安先生、張宣波先生、劉瑞鋼先生、胡宇霆先 生、丁向明先生及余明雄先生；獨立非執行董事溫鐵軍先生、鍾瑞明先生、潘英麗女士、 唐志宏先生、洪小源先生及楊勇先生。 * 中國郵政儲蓄銀行股份有限公司並非一家根據銀行業條例（香港法例第155章）之認可 機構，並不受限於香港金融管理局的監督，亦不獲授權在香港經營銀行及╱或接受存 款業務。 1658 董事會會議通告 中國郵政儲蓄銀行股份有限公司（「本行」）董事會（「董事會」）謹此宣佈，董事 會會議將於2025年10月30日（星期四）舉行，藉以（其中包括）審議及批准本行 及其附屬公 ...

Core Insights - The article highlights the proactive approach of Postal Savings Bank's Yanqing District branch in Beijing to facilitate the issuance of the third-generation social security cards, emphasizing community-oriented services and effective collaboration with local communities [1][3]. Group 1: Community Engagement - The Yanqing District branch has established a "community point + home service" dual plan to cater to the needs of elderly residents who may have mobility issues or are unfamiliar with digital processes [1]. - The branch has effectively collaborated with local community committees to assess the number of retirees and the distribution of elderly residents, ensuring that services are tailored to community needs [1][2]. Group 2: Service Implementation - During weekends and holidays, the bank's党员先锋队 (Party Vanguard Team) has been stationed at temporary service points in the community, providing hands-on assistance to elderly residents in the application process for social security cards [1][3]. - The team has demonstrated patience and thoroughness in guiding residents through the application process, including facial recognition and information entry, significantly reducing the burden on the community [2]. Group 3: Long-term Collaboration - The social security card issuance initiative has served as a catalyst for deeper cooperation between the bank and local communities, establishing a long-term contact mechanism for ongoing financial education and services [3]. - The bank aims to continue optimizing service processes and innovating service models to create a more convenient and supportive community service system, thereby enhancing the financial well-being of residents [3].

Core Points - Several banks in China are tightening management of long-term inactive accounts, with some lowering the threshold for inactivity from 100 yuan to 10 yuan [1][2] - The People's Bank of China reported that as of Q2 2025, there were 15.122 billion personal bank accounts, reflecting a 0.93% quarter-on-quarter increase [2] - The adjustments in the definition of long-term inactive accounts are seen as a necessary measure for banks to mitigate financial risks and optimize resource allocation [2][3] Group 1: Changes in Inactive Account Standards - Xinyu Bank announced a new standard for long-term inactive accounts effective October 15, reducing the balance threshold from 100 yuan to 10 yuan and extending the inactivity period from 180 days to 365 days [1] - Other banks have varying standards for defining long-term inactive accounts, with some requiring no transactions for up to three years and balance thresholds ranging from 10 yuan to 100 yuan [3][4] - The adjustments reflect a trend towards more precise management of accounts, balancing risk control with customer experience [3][4] Group 2: Implications for Customers - Customers with long-term inactive accounts may face restrictions on transactions and services, but accounts with remaining balances will not be automatically closed [6][7] - To reactivate a restricted account, customers must verify their identity at a bank branch or through mobile banking [6] - Customers are advised to conduct small transactions periodically to avoid their accounts being classified as long-term inactive [6][7]