邮储银行公告，为进一步优化管理及业务架构，公司将吸收合并下属全资子公司中邮邮惠万家银行有限 责任公司。本次吸收合并完成后，邮惠万家银行的独立法人资格依法注销，其全部业务、财产、债权债 务以及其他各项权利义务由邮储银行承继。客户的相关权利和义务均不受影响，已合法签署的合同、协 议继续有效。此次合并尚需提交股东大会审议，并报请国家金融监督管理总局批准后方可实施。 ...

Core Viewpoint - The beef cattle farming industry in Fenxi County, Shanxi Province, is undergoing a transformation through a model of "scale + standardization + intelligence + insurance," supported by local financial institutions like Postal Savings Bank [1][6]. Group 1: Industry Development - Fenxi County has approximately 690 beef cattle farmers with a total herd size exceeding 20,000 heads [1]. - The local government has introduced a combination of target price insurance, subsidy policies, and casualty insurance, covering 5,753 heads of cattle and providing a total compensation of 1.5396 million yuan to mitigate market price fluctuations and disease risks [1]. - The core objectives for beef cattle farming include increasing herd size by 30,000 heads by the end of the 14th Five-Year Plan, achieving an average of one beef cattle per agricultural household, and targeting an output of 1 million heads and a production value of 160 million yuan by 2024 [1][2]. Group 2: Financial Support - Postal Savings Bank has launched three financial products: "Industry Loan," "Agricultural and Animal Husbandry Loan," and "Rapid Credit Loan," providing over 50 million yuan in loans to more than 300 farmers [5][6]. - The "Industry Loan" is tailored to local agricultural characteristics, with a maximum credit limit of 30 million yuan and a maximum term of 60 months [5]. - The "Agricultural and Animal Husbandry Loan" offers unsecured online loans up to 500,000 yuan, with a quick approval process based on business flow [5][6]. Group 3: Technological and Ecological Initiatives - The county is promoting the construction of standardized bases and projects like Zhongying Agriculture and Animal Husbandry, utilizing smart collars and automated feeding systems to enhance breeding and fattening efficiency [2]. - An ecological cycle is being established with zero-carbon biogas and organic fertilizer plants, creating a closed-loop system of "breeding - biogas - organic fertilizer - returning to the fields" [2]. Group 4: Case Studies - The Hongxing Breeding Cooperative, which received a 150,000 yuan loan from Postal Savings Bank, has expanded its herd to 140 heads, demonstrating effective financial support [4]. - The Kangruilai Biotechnology Company has received 6.524 million yuan in loans, significantly enhancing its product competitiveness and achieving annual sales exceeding 20 million yuan [8][9].

转自：新华财经 论坛期间，邮储银行北京分行深度参与全部5场"绿色发展会客厅"活动，与通州、房山、昌平、平谷、顺义五区相关政府单位开展对接交流，并出席多 场平行论坛，围绕绿色金融政策、产品创新、产业对接、气候投融资等议题分享经验，推动绿色金融与绿色产业协同发展。 邮储银行北京分行相关负责人表示，未来将继续贯彻落实国家"双碳"战略，围绕北京市绿色经济标杆城市建设目标，优化绿色金融服务体系，聚焦降 碳、减污、扩绿、增长等关键环节，强化对节能环保、生态保护等领域的金融供给，丰富多元金融工具，完善机制标准，构建绿色金融生态体系，助力 首都绿色高质量发展，为实现碳达峰碳中和目标贡献金融力量。 编辑：焦若涵 2025年北京绿色发展论坛于9月21日至25日在北京城市副中心三大文化设施户外环形走廊带举行。作为首届北京绿色发展论坛的重要配套活动，本届博 览会聚焦绿色产业前沿技术与实践，搭建政策解读、成果展示、产业对接与公众体验的综合平台。中国邮政储蓄银行北京分行积极参展，围绕"绿色让 生活更美好"主题，全面展示其在绿色金融领域的创新实践与服务成果。 除金融产品创新外，邮储银行北京分行在展区设置高科技互动体验区，展示数字人客服、A ...

1.不法中介以"专业维权""有关系有渠道"为诱饵，欺骗借款人支付定金或预付款，之后以各种事由拖延 甚至消失，导致消费者经济受损。 2.不法中介往往教唆借款人编造虚假事实、伪造证据，消费者将面临欺诈、诬告陷害等法律责任。 赵先生信用卡欠款逾期，收到银行催收通知后心急如焚。网上看到"专业代理维权，帮与银行协商减免 债务"的广告，称付代理费就能减免利息、延长还款期限。赵先生随即联系对方，对方自称为专业金融 维权团队，承诺至少减免一半利息，延长还款期限一年。赵先生信以为真，支付1000元代理费，还按要 求提供信用卡号、身份证号等个人信息。对方让他等消息，期间别联系银行。可一个多月后，赵先生依 旧未等到协商成功消息，却收到银行催款律师函。再联系"维权团队"，发现电话不通、微信被拉黑，这 才发现自己被骗。 风险小贴士： 广发银行南京分行提醒您： 警惕非法中介代理陷阱 守护自身合法权益！ ...

Group 1: Agricultural Development and Financial Support - The "China Farmers' Harvest Festival" highlights the successful agricultural production across various regions, with significant contributions from financial institutions like Postal Savings Bank [1] - Postal Savings Bank has achieved an agricultural loan balance of 2.44 trillion yuan and a balance of inclusive loans for small and micro enterprises of 1.72 trillion yuan, leading among major banks [1] - The bank's initiatives include the release of policies aimed at enhancing rural financial services and expanding support for agriculture, thereby promoting rural revitalization [1] Group 2: Grain Production and Food Security - China’s grain production has consistently increased, with total output surpassing 1.4 trillion jin in 2024, reinforcing the foundation of food security [2] - Jilin Province, utilizing only 4% of the country's arable land, contributes 6% of the total grain output and 10% of the commercial grain, showcasing its agricultural productivity [2] Group 3: Financial Services Impact on Farmers - Postal Savings Bank's financial services have significantly aided farmers, such as providing a 500,000 yuan "industry loan" to a farmer in Linhai Town, enabling him to expand his planting area [3] - The bank's support has led to increased agricultural production and improved living standards for farmers, with clients becoming advocates for the bank's inclusive financial services [3] Group 4: Support for Specialty Agricultural Products - The bank has played a crucial role in the success of the pomegranate industry in Panzhihua, with sales exceeding 70 million yuan and significant loan support provided [8][9] - The establishment of a cooperative model for pomegranate production has led to standardized development and increased income for local farmers, with an average disposable income of 25,100 yuan [9] Group 5: Innovation in Financial Services - Postal Savings Bank has utilized big data and IoT technologies to create tailored financial solutions for the artificial mushroom industry, addressing the unique challenges faced by this sector [6][7] - The bank's comprehensive service model includes managing collective accounts and facilitating quick fund transfers, enhancing operational efficiency for agricultural enterprises [9]

Core Viewpoint - Postal Savings Bank of China (PSBC) has shown a stock price increase of 12.22% year-to-date, with recent fluctuations indicating a slight decline in the short term [2] Group 1: Stock Performance - As of September 23, PSBC's stock price rose by 2.01% to 6.08 CNY per share, with a trading volume of 2.47 billion CNY and a market capitalization of 730.18 billion CNY [1] - Over the past five trading days, the stock has decreased by 1.46%, and over the past 20 days, it has declined by 3.03%, while showing a 10.14% increase over the last 60 days [2] Group 2: Financial Performance - For the first half of 2025, PSBC reported a net profit of 49.23 billion CNY, reflecting a year-on-year growth of 0.85% [3] - The bank's revenue for the same period was reported as 0.00 CNY, indicating a potential area of concern [3] Group 3: Business Segments - PSBC's main business segments include personal banking (69.57% of revenue), corporate banking (19.70%), and funding operations (10.65%) [2] - The bank provides a variety of financial services, including loans, deposits, and investment banking [2] Group 4: Shareholder Information - As of June 30, 2025, PSBC had 164,100 shareholders, a decrease of 10.31% from the previous period, while the average number of shares held per shareholder increased by 11.66% to 415,086 shares [3] - The bank has distributed a total of 137.80 billion CNY in dividends since its A-share listing, with 77.40 billion CNY distributed in the last three years [4] Group 5: Institutional Holdings - As of June 30, 2025, Hong Kong Central Clearing Limited was the fourth-largest shareholder, holding 942 million shares, an increase of 60.83 million shares from the previous period [4] - Other significant institutional shareholders include various ETFs, which have also increased their holdings [4]

Core Viewpoint - The implementation of personal consumption loan interest subsidy policies in China aims to lower consumer credit costs and stimulate domestic demand, with China Postal Savings Bank (Postal Bank) actively participating in this initiative to enhance consumer finance services and support economic recovery [1][8]. Group 1: Policy and Market Response - Recent structural monetary policies and financial support measures have been introduced to boost consumer credit, with a focus on sectors like home appliances, automotive, and healthcare [1][8]. - As of June 2025, Postal Bank's personal consumption loan balance exceeded 3.03 trillion yuan, marking a net increase of 369.81 billion yuan, positioning it among the top three listed banks in terms of consumer loans [1][2]. - The bank has launched a comprehensive action plan to enhance consumer finance services, which includes 20 specific measures aimed at supporting various consumer needs and boosting domestic demand [2][3]. Group 2: Technological Empowerment - Postal Bank has leveraged technology to improve operational efficiency and customer experience, implementing over 230 applications of large models across various business areas [5][6]. - The bank's intelligent external calling system has reached 8 million potential customers, effectively guiding 300 billion yuan in consumer credit towards essential sectors [6]. - A comprehensive anti-fraud model has been established, protecting over 100,000 accounts and preventing losses exceeding 800 million yuan [6][7]. Group 3: Future Development and Strategy - The bank plans to enhance customer acquisition capabilities through targeted strategies, including leveraging fiscal subsidy policies and cross-marketing within its existing customer base [9]. - By the end of 2025, Postal Bank aims to complete nationwide centralized review and approval processes for all consumer credit businesses, which is expected to improve customer experience and risk management [9].

Core Insights - Postal Savings Bank of China (PSBC) has successfully launched its first "Agricultural and Animal Husbandry Loan" in Shanghai's Songjiang District, marking a significant innovation in financial services for rural areas [1] - The bank aims to increase its agricultural loans by over 300 million yuan and inclusive agricultural loans by over 50 million yuan by the end of July 2025, contributing to rural revitalization and agricultural modernization in Shanghai [1][2] Group 1 - The "Agricultural and Animal Husbandry Loan" is designed to address the financing challenges faced by farming and breeding customers, utilizing a combination of operational and agricultural data for credit assessment [1][2] - The loan application process has been streamlined through the use of mobile technology, allowing farmers to submit materials online and complete most procedures efficiently [1] - PSBC is committed to continuously optimizing its agricultural loan products and processes, enhancing user experience and operational efficiency [2]

1.警惕"先交钱后入职"：凡是以"入职保证金""岗位预留费""体检押金"等名义要求求职者交纳费用的， 大概率是诈骗。正规企业招聘不会以任何名义向求职者收费。 2.留意信息来源与招聘条件：通过虚假招聘平台、社交软件等非正规渠道发布的"高薪稳定、门槛低"的 岗位信息需高度警惕，"天上不会掉馅饼"，此类信息多为诈骗诱饵。 3.关注反常行为与大额交易：若周围亲朋好友在提及大额取现、转账时，出现言辞闪烁、编造理由、急 于完成交易等反常表现，需提高警惕，及时向家人、银行或警方求助核实。 （数据来源：邮储银行深圳分行） 近日，陈女士匆忙走进邮储银行深圳坪山区支行，急着要取3.5万元现金借给突发疾病住院的朋友。深 圳坪山区支行营业主管张姐听闻，想起反诈培训中反复强调"老年人或急需用钱的人易成诈骗目标"，便 一边劝慰陈女士不要着急，一边温和地询问陈女士是否确定是朋友打的电话、是否需要帮忙联系医院 等。在一系列询问下，陈女士突然慌张起身拒绝取钱，要求拿回卡和证件。 见状，张姐心中警铃大作。正在此时，她收到反诈中心提醒，"近期我市求职诈骗案件有增多趋势，请 注意多加宣传"。随即，向陈女士提起近期有不少中老年女性找工作遭遇"求职高薪 ...

近期，邮储银行深圳坪山区支行工作人员成功识破求职"保证金"新套路，有效帮助客户避免资金损失。 近日，陈女士匆忙走进邮储银行深圳坪山区支行，急着要取3.5万元现金借给突发疾病住院的朋友。深 圳坪山区支行营业主管张姐听闻，想起反诈培训中反复强调"老年人或急需用钱的人易成诈骗目标"，便 一边劝慰陈女士不要着急，一边温和地询问陈女士是否确定是朋友打的电话、是否需要帮忙联系医院 等。在一系列询问下，陈女士突然慌张起身拒绝取钱，要求拿回卡和证件。 邮储银行深圳分行提醒： 1.警惕"先交钱后入职"：凡是以"入职保证金""岗位预留费""体检押金"等名义要求求职者交纳费用的， 大概率是诈骗。正规企业招聘不会以任何名义向求职者收费。 2.留意信息来源与招聘条件：通过虚假招聘平台、社交软件等非正规渠道发布的"高薪稳定、门槛低"的 岗位信息需高度警惕，"天上不会掉馅饼"，此类信息多为诈骗诱饵。 3.关注反常行为与大额交易：若周围亲朋好友在提及大额取现、转账时，出现言辞闪烁、编造理由、急 于完成交易等反常表现，需提高警惕，及时向家人、银行或警方求助核实。 （数据来源：邮储银行深圳分行） （文章来源：经济日报） 见状，张姐心中警铃大作。 ...