Core Insights - The "Rice-Fish Symbiosis" aquaculture base in Deqing County is thriving, with plans to expand by 50 acres and introduce high-quality seedlings and advanced equipment to enhance productivity [1] - The operator faced financial difficulties due to prior investments in pond renovations and embankment reinforcements, which hindered their ability to secure funding for seasonal fish stocking [1] - Postal Savings Bank's Deqing County branch responded promptly by initiating agricultural financial services, conducting on-site assessments, and providing a tailored credit loan solution to address the operator's funding gap [2] Financial Support and Impact - The bank issued a loan of 1 million yuan within five working days, which helped the operator procure seedlings on time and avoid economic losses from missing the optimal production period [2] - The Deqing County branch has disbursed over 20 million yuan in loans to local aquaculture operators this autumn, benefiting more than 40 farming entities and supporting the high-quality development of the local aquaculture industry [5]

Core Viewpoint - The Shanghai Financial Court ruled on a case involving false statements in bond issuance documents by Shanghai Huaxin International Group, marking the first securities false statement liability dispute in the interbank bond market [1][4]. Group 1: Case Background - The case originated from a rural commercial bank suing various intermediary institutions, including underwriters and rating agencies, for compensation due to false statements in bond issuance [1]. - The total amount of bonds issued by Shanghai Huaxin from 2014 to 2017 exceeded 40 billion yuan [1]. - The plaintiff, a rural commercial bank, invested over 200 million yuan, and multiple investment institutions have sued Shanghai Huaxin due to bond defaults [1]. Group 2: Court Ruling - The court determined that five intermediary institutions must bear joint liability for the losses incurred by the plaintiff, amounting to approximately 128 million yuan [4]. - Postal Savings Bank and China International Capital Corporation are each responsible for 5% of the losses, equating to about 6.39 million yuan [2]. - Other intermediaries, including accounting firms and credit rating agencies, are liable for smaller percentages of the losses, totaling approximately 2.1 million yuan [2]. Group 3: Loss Assessment - The court acknowledged the complexity of factors leading to investment losses, including macroeconomic conditions and the investigation of the actual controller of the issuing company [3]. - A third-party professional institution was commissioned to assess the losses, employing methods aligned with bond pricing principles and market characteristics [3]. - The assessment distinguished losses across three phases: from issuance to disclosure, from disclosure to default, and from default to bankruptcy ruling [3].

Core Viewpoint - Postal Savings Bank of China has received approval from the National Financial Regulatory Administration to establish a wholly-owned subsidiary named China Post Financial Asset Investment Co., Ltd. [1] Group 1 - The establishment of China Post Financial Asset Investment Co., Ltd. is part of Postal Savings Bank's strategy to enhance its investment capabilities [1] - The registered capital for the new subsidiary is set at RMB 10 billion [1] - The bank will follow regulatory procedures to apply for the commencement of operations after the establishment process is completed [1]

Core Viewpoint - Postal Savings Bank of China (PSBC) shows a stable performance with a recent stock price increase and a solid dividend yield, indicating potential investment opportunities in the banking sector [1][2]. Financial Performance - PSBC's recent stock performance includes a 1.00% increase in share price, with a trading volume of 976 million yuan and a market capitalization of 728.977 billion yuan [1]. - The bank's dividend yields over the past three years were 5.58%, 6.00%, and 4.61% respectively, reflecting a consistent return to shareholders [2]. Shareholder and Ownership Structure - PSBC is a state-owned enterprise, ultimately controlled by China Post Group [2]. - As of June 30, the number of shareholders decreased by 10.31% to 164,100, while the average circulating shares per person increased by 11.66% to 415,086 shares [7]. Revenue and Profitability - For the first half of 2025, PSBC reported a net profit of 49.228 billion yuan, representing a year-on-year growth of 0.85% [7]. - Cumulative cash dividends since the bank's A-share listing amount to 137.796 billion yuan, with 77.395 billion yuan distributed over the last three years [8]. Institutional Holdings - As of June 30, 2025, major institutional shareholders include Hong Kong Central Clearing Limited, which holds 942 million shares, an increase of 60.826 million shares from the previous period [8][9]. - Other significant shareholders include various ETFs, indicating a diversified institutional interest in PSBC [8][9]. Business Operations - PSBC's main business segments include personal banking (65.15% of revenue), corporate banking (22.71%), and funding operations (12.10%) [6]. - The bank provides a wide range of financial services, including loans, deposits, and asset management, catering to both individual and corporate clients [6].

10月27日，邮储银行发布公告，邮储银行收到《国家金融监督管理总局关于筹建中邮金融资产投资有限 公司的批复》（金复〔2025〕604 号），同意邮储银行筹建中邮金融资产投资有限公司。 新设立的中邮投资注册资本为人民币 100 亿元，将作为邮储银行的全资一级子公司管理。筹建工作完成 后，邮储银行将按照有关规定和程序向国家金融监督管理总局提出开业申请。 对于设立中邮投资，邮储银行表示：设立中邮投资是本行响应国家号召、服务科技强国建设的重要举 措，有利于本行提升综合服务能力，做好金融"五篇大文章"，打造科技金融生力军；通过开展市场化债 转股及股权投资试点业务，发挥对科技创新和民营企业的支持作用。 早在今年7月，邮储银行便宣布要发起设立中邮投资。7月16日，邮储银行公告称，拟出资100亿元自有 资金发起设立中邮金融资产投资有限公司，此次投资尚需取得有关监管机构的批准。 据了解，金融AIC成立之初主要为化解银行不良，最初被视为银行的债转股子公司，主要从事债转股及 其配套支持业务。在政策支持下，逐步开始探索股权投资业务，目前金融AIC从事股权投资仍处于初 期，但资本实力雄厚，具备耐心资本特质。 以前，我国共有5家金融资产 ...

消息面上，国家金融监督管理总局局长李云泽10月27日在2025金融街论坛年会上表示，国家金融监督管理总局锚定"十五 五"时期经济社会发展目标任务，坚定不移走中国特色金融发展之路，加快推进金融强国建设，为确保基本实现社会主义现代 化取得决定性进展贡献更多金融力量。 李云泽还提到，"目前已有4家大型银行在京设立金融资产投资公司，邮储银行AIC也正在筹建"。 本报记者 熊悦 Wind资讯数据显示，10月28日，上证指数早盘突破4000点整数关口，为2015年8月份以来首次，年内累计涨幅超过19%。 截至午间收盘，上证指数报4005.44点，涨幅为0.21%，超3000只股票上涨。 （Wind资讯数据：沪指近10年走势） 银行股等权重股再度有力支撑指数走强。具体来看，厦门银行领涨，邮储银行、农业银行等跟涨。当日盘中，农业银行股 价再创新高，截至午间收盘，涨幅为0.98%，报8.26元/股，主力资金净流入额超过2000万元。农业银行年内涨幅超过60%。截 至发稿，总市值（A股最新价*总股本）接近2.9万亿元，位居A股总市值榜首。 截至发稿，A股总市值前三均为银行股，按市值高低分别为农业银行、工商银行、建设银行，市值分别 ...

每经记者｜张寿林 每经编辑｜程鹏 陈俊杰 10月27日，邮储银行披露，该行收到《国家金融监督管理总局关于筹建中邮金融资产投资有限公司的批复》（金复〔2025〕604号），同意筹建中邮金融 资产投资有限公司（暂定名，公司名称以有关监管机构、市场监督管理部门核准的名称为准，以下简称中邮投资）。 筹建工作完成后，邮储银行将按照有关规定和程序向国家金融监督管理总局提出开业申请。 中邮投资是国有六大行全面布局AIC（金融资产投资公司）的最后一子。记者注意到，2025年3月，国家金融监督管理总局办公厅发文，支持符合条件的 商业银行发起设立金融资产投资公司。 助力科技金融 中邮投资注册资本为人民币100亿元，将作为该行全资一级子公司管理。 据邮储银行，设立中邮投资是该行响应国家号召、服务科技强国建设的重要举措，有利于本行提升综合服务能力，做好金融"五篇大文章"，打造科技金融 生力军；通过开展市场化债转股及股权投资试点业务，发挥对科技创新和民营企业的支持作用，助力新质生产力发展，提升服务实体经济质效，进一步推 动本行高质量发展。 此前，邮储银行行长刘建军对外回应，申请设立AIC工作，是该行综合化战略中的重要布局，在积极向监管 ...

Group 1 - Postal Savings Bank of China (601658.SH) has received approval from the National Financial Supervision Administration to establish China Post Financial Asset Investment Co., Ltd. (tentative name), marking a significant step in the bank's comprehensive operational strategy [1] - The registered capital of China Post Investment will be RMB 10 billion, and it will operate as a wholly-owned first-level subsidiary of Postal Savings Bank [1] - The establishment of China Post Investment is aimed at enhancing the bank's comprehensive service capabilities and supporting technological innovation and private enterprises through market-oriented debt-to-equity swaps and equity investment pilot projects [1] Group 2 - The approval of Postal Savings Bank's AIC expands the national commercial banks' AIC lineup to nine, following the initial five major state-owned banks that were approved in 2017 [2] - The AIC pilot program has seen significant expansion, with the investment scope extending from Shanghai to 18 cities, including Beijing and Tianjin, as of September 2024 [2] - The total asset scale of the five major AICs is projected to reach RMB 602.7 billion by the end of 2024, potentially increasing equity investment by approximately RMB 36 billion and leveraging social funds by around RMB 180 billion [2] Group 3 - The expansion of AIC licenses from state-owned banks to joint-stock banks indicates a growing interest among various financial institutions in establishing AICs, which can leverage parent banks' corporate client networks to discover projects and provide stable support for technology innovation enterprises [3] - Commercial banks can offer integrated financial services such as "equity-loan linkage," contributing to a more sustainable risk-return balance [3]

(本文来自第一财经) 农业银行涨超1%再创历史新高，总市值逼近3万亿大关；邮储银行、工商银行跟涨，浦发银行跳水跌超 4%。 ...

10月27日晚间，邮政银行发布公告称，近日，该行收到《国家金融监督管理总局关于筹建中邮金融资产投资有限公司的批复》，同意该行筹建中邮金融资产投资有限公司（暂定名，公司名称以 据悉，筹建工作完成后，邮储银行将向国家金融监督管理总局（下称"国家金融监管总局"）提出开业申请。中邮投资注册资本为100亿元，将作为该行全资一级子公司管理。 邮储银行在公告中表示，设立中邮投资是该行响应国家号召、服务科技强国建设的重要举措。通过开展市场化债转股及股权投资试点业务，发挥对科技创新和民营企业的支持作用，助力新质生产 随着中邮投资获批筹建，国内银行系AIC已增至9家。天眼查数据显示，目前五大行AIC注册资本在145亿元-270亿元之间，最高的是工银金融资产投资有限公司（下称"工银投资"）及建信金融 事实上，银行参与股权投资业务曾长时间受到一定限制——在《商业银行法》要求下，商业银行不能直接进行股权投资。故在限制放宽之前，银行参与股权投资主要通过理财子发行私募理财产品募 首批银行系AIC试点始于2017年，工银投资、农银金融资产投资有限公司（下称"农银投资"）、中银金融资产投资有限公司（下称"中银资产"）、建信投资和交银金融资产投 ...