进入8月，银行间债券市场科技创新债券发行热度不减。邮储银行日前完成首期科创债发行，国有六大 行科创债全部落地，与此同时，南海农商银行、九江银行、兰州银行等区域性银行也在加速补位，推动 发行主体进一步向地方延伸。据Wind数据，截至8月21日，银行机构参与科创债发行的机构已增至36 家，发行总规模超2400亿元。 除发行端扩容外，科创债交易机制创新也在同步推进，为市场注入流动性动力。上海银行作为首批做市 商之一，参与银行间市场科创债标准篮子上线交易；广东华兴银行则在成为企业科创债标准篮子首批做 市商的基础上，推出"大湾区企业科创债篮子"，满足投资者"一键配置"区域优质科创资产的需求。 据邮储银行披露，该行8月19日完成50亿元首期科技创新债券发行。该债券分为两个品种：30亿元5年期 固定利率品种票面利率1.82%，全场认购倍数达3.1倍；20亿元3年期浮动利率品种发行利率1.8%，认购 倍数2.5倍。其中，浮息品种既是全市场首单3年期浮息科创债，也是首单应用中债区块链簿记建档发行 系统的浮息科创债。邮储银行表示，募集资金将严格投向《金融"五篇大文章"总体统计制度(试行)》规 定的科创领域，通过发放科技贷款、投资 ...

Core Viewpoint - The event "Huhui Muge, Two-Way Journey" organized by the Inner Mongolia Autonomous Region Government in Shanghai aims to promote high-quality agricultural products from Inner Mongolia and enhance financial support for these products to enter the Shanghai market [1][3]. Group 1: Event Overview - The event showcased a variety of high-quality agricultural products from Inner Mongolia, attracting interest from multiple financial institutions and enterprises in Shanghai [3]. - The event was held at the China Postal Savings Bank Shanghai Branch and is part of a series of activities aimed at enhancing economic cooperation between Shanghai and Inner Mongolia [1][3]. Group 2: Financial Support and Collaboration - The event emphasized the role of financial empowerment in facilitating the entry of Inner Mongolia's agricultural products into the Shanghai market, with a focus on matching financial products with the needs of Inner Mongolian enterprises [3][4]. - Several preliminary cooperation intentions were established during the event, indicating strong interest from financial institutions in supporting Inner Mongolia's quality agricultural brands [3]. Group 3: Product Showcase - Nearly a hundred types of high-quality agricultural products were displayed, including beef, lamb, dairy products, grains, and tomato beverages, all certified by the "Meng" brand [3]. - Notable brands and geographical indication products from Inner Mongolia were highlighted, showcasing the region's agricultural development achievements [3]. Group 4: Future Plans - The Inner Mongolia government plans to deepen the long-term cooperation mechanism with Shanghai, focusing on solidifying production and sales connections and financial collaboration [4]. - There is an intention to explore a "finance + consumption assistance" model to broaden the channels for Inner Mongolian products entering Shanghai and enhance brand value [4].

据邮储银行披露，该行8月19日完成50亿元首期科技创新债券发行。该债券分为两个品种：30亿元5年期固定利率品种票面利率1.82%，全场认购倍数达3.1 倍；20亿元3年期浮动利率品种发行利率1.8%，认购倍数2.5倍。其中，浮息品种既是全市场首单3年期浮息科创债，也是首单应用中债区块链簿记建档发行 系统的浮息科创债。邮储银行表示，募集资金将严格投向《金融"五篇大文章"总体统计制度（试行）》规定的科创领域，通过发放科技贷款、投资科创企业 债券等方式，专项支持科技创新业务。 回顾5月7日，人民银行、证监会联合发布关于支持发行科技创新债券有关事宜的公告，创新推出债券市场"科技板"，支持金融机构、科技型企业、私募股权 投资机构等三类主体发行科技创新债券。 政策发布当月，银行科创债发行即出现"集中放量"，Wind数据显示，当月共发行19只科创债、合计1980亿元，其中，工商银行、交通银行、农业银行、中 国银行、建设银行5家国有大行发行1100亿元，占当月银行科创债总发行规模的55.56%。随着邮储银行首单落地，六大国有银行阵营集齐。 北京商报讯（记者 孟凡霞 实习记者 周义力）进入8月，银行间债券市场科技创新债券发行热 ...

Core Viewpoint - The article discusses the recent adjustments in the A-share market, highlighting the challenges faced by new investors in making profits, and the overall market sentiment of uncertainty and volatility [1]. Market Performance - The A-share market experienced fluctuations, with the Shanghai Composite Index rising by 0.13%, while the Shenzhen Component and ChiNext Index fell by 0.06% and 0.47% respectively [10]. - The total trading volume across the Shanghai and Shenzhen markets reached 24,608.75 billion yuan, an increase of 119.53 billion yuan compared to the previous day [10]. - A total of 58 stocks hit the daily limit up, with 15 stocks closing at the limit and 9 stocks achieving consecutive limit ups, the highest being five consecutive limit ups [10]. Sector Performance - The digital currency sector saw significant gains, with stocks like Sanwei Xinan and Xinchen Technology hitting the daily limit up due to reports of potential approval for a roadmap on the internationalization of the renminbi [10]. - The oil and gas extraction and service sectors also performed well, with Huai Oil Co. hitting the daily limit up following a surge in international oil prices [10]. - The combustible ice sector gained traction, with ShenKai Co. hitting the daily limit up after a breakthrough in methane catalytic conversion technology [10]. Institutional Activity - The net outflow of main funds amounted to 578.47 billion yuan, with the machinery equipment sector experiencing the largest outflow [18]. - The top five sectors with net inflows included communication, public utilities, banking, retail, and agriculture [18]. - The top five individual stocks with net inflows were ZTE Corporation, Zhaoyi Innovation, China Oil Capital, Jingbei Fang, and Luxshare Precision [18]. Financial Results - Agricultural Bank of China reported a strong performance, with its latest PB and PE ratios at 0.86 and 8.34 respectively, indicating a premium over the average ratios of the six major banks [6]. - The financial results of several companies for the first half of 2025 showed significant growth, with Jin Qilin's revenue increasing by 24.34% and net profit by 226.14% [16]. - Other companies like Sainuo Medical and Tianyu Digital Science also reported substantial revenue and profit growth, with increases of 12.53% and 296.54% respectively [16].

Core Insights - The introduction of the "Loan Clarity Sheet" aims to enhance transparency in financing costs for enterprises, allowing them to clearly understand loan-related expenses such as interest and assessment fees [2][3] - The pilot program initiated by the Panzhihua branch of Postal Savings Bank focuses on improving professional capabilities, enhancing promotional efforts, and fostering trust between banks and enterprises [3][4] Group 1: Loan Clarity Initiative - The "Loan Clarity Sheet" allows enterprises to see all financing costs unified as an annualized rate, breaking down the "ambiguity of financing costs" [2] - The pilot program started in April 2025, with the Panzhihua branch of the People's Bank of China overseeing the initiative [2] - The program has already seen the approval of 800 million yuan in loans, with the bank covering 11,000 yuan in property assessment fees for a local construction company [2] Group 2: Bank's Strategic Actions - Postal Savings Bank has organized specialized training for customer managers to ensure accurate and transparent communication of costs to enterprises [3] - The bank has distributed 5,000 promotional brochures about the "Loan Clarity Sheet" and utilized advertising screens to explain financing cost structures [3] - As of July, the bank's personal business loan balance reached 1.556 billion yuan, leading among state-owned banks in the city, with 17 "Loan Clarity Sheets" filled out covering loans totaling 188 million yuan [3] Group 3: Future Directions - The bank plans to expand the pilot program to include online loans, aiming to address the "high financing" issue and promote a win-win development model between banks and enterprises [4]

Core Insights - The article highlights the critical role of postal savings banks in providing financial support to farmers during the grain purchasing season, addressing their funding challenges and enhancing the agricultural financing landscape [1] Group 1: Financial Support Initiatives - Postal Savings Bank's Zhangye branch introduced the "Industry Loan" to assist farmers like Chen Jiaming, who faced funding shortages during the grain purchasing period, successfully disbursing 600,000 yuan within three days [1] - The bank's "Send Loans to the Countryside" initiative aims to tailor financial solutions for local grain purchasers, ensuring timely access to credit and alleviating their financial burdens [1] Group 2: Impact on Agricultural Operations - The financial support from postal savings banks is crucial for agricultural operators, enabling them to maintain operations and scale their businesses, as seen with local grain buyer Mao Xiangguo [1] - The initiative not only addresses immediate funding needs but also injects vitality into the grain industry supply chain, fostering a more robust agricultural economy [1]

Core Viewpoint - Postal Savings Bank of China (PSBC) Anhui Branch has launched the "U Benefit Plan" to support the financial needs of high-growth technology enterprises, demonstrating effective financial support during critical development periods [1][2]. Group 1: Financial Innovation - The "U Benefit Plan" combines "loan + external direct investment" to address the financing challenges faced by technology companies, particularly those with light assets and lack of collateral [2]. - The plan includes a "stock option arrangement" and "forward cooperation rights" to create customized win-win solutions for high-growth technology firms [1]. Group 2: Case Study - Anhui Zhuopu Intelligent Equipment Co., Ltd. received a tailored financial solution of 60 million yuan in credit and 50 million yuan in stock options within two weeks, alleviating immediate funding pressures [1]. Group 3: Evaluation System - PSBC Anhui Branch has developed a "technology flow" evaluation system that uses hard indicators such as patent quantity, R&D investment intensity, and technical team strength as credit assessment criteria [2]. - The bank's financial products, such as "Science and Technology E-Loan" and "Intellectual Property Pledge Loan," facilitate the transformation of intellectual property into assets [2]. Group 4: Long-term Service Mechanism - The bank has established a "123+N" technology finance professional system, which includes dedicated credit products, specialized review processes, and incentive mechanisms tailored to key industries [2]. - As of June 2023, the bank's technology loan balance exceeded 50 billion yuan, with over 80% directed towards private enterprises [2].

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。 1658 POSTAL SAVINGS BANK OF CHINA CO., LTD. 海外監管公告 關於召開2025年半年度業績發佈會的公告 本公告乃根據《香港聯合交易所有限公司證券上市規則》第13.10(B)條作出。如下公 告已於上海證券交易所網站刊登，僅供參閱。 特此公告。 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8月21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 ...

证券代码：601658 证券简称：邮储银行 公告编号：临 2025-043 中国邮政储蓄银行股份有限公司 关于召开 2025 年半年度业绩发布会的公告 中国邮政储蓄银行股份有限公司董事会及全体董事保证本公告内容不存在 任何虚假记载、误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整 性承担法律责任。 重要内容提示： （二）本行出席人员：刘建军行长、独立董事代表、部分高级管 理层成员等 https://finance.china.com.cn/money/bank/special/psbc202 5interim/index.shtml 投资者可于 2025 年 8 月 26 日（星期二）17:00 前将相关问题 通 过 电 子 邮 件 的 形 式 发 送 至 本 行 投 资 者 关 系 邮 箱 ： psbc.ir@psbcoa.com.cn。本行将于 2025 年半年度业绩发布会（以下 简称业绩发布会）上回答投资者普遍关注的问题。 本行拟于 2025 年 8 月 29 日（星期五）在上海证券交易所网站 （www.sse.com.cn）披露本行 2025 年半年度报告。为了便于广大投 资者更全面深入地了解 ...

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 attractiveness in the context of state-owned enterprise reforms [1][2]. Financial Performance - PSBC's stock price increased by 1.30% on August 21, with a trading volume of 1.083 billion yuan and a market capitalization of 748.192 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 Market Activity - As of March 31, PSBC had 182,900 shareholders, an increase of 18.57% from the previous period, with an average of 371,749 shares held per shareholder, down by 15.87% [7]. - The bank has distributed a total of 137.796 billion yuan in dividends since its A-share listing, with 77.395 billion yuan distributed in the last three years [8]. Institutional Holdings - As of March 31, 2025, major institutional shareholders include Hong Kong Central Clearing Limited, holding 882 million shares, and various ETFs, indicating a diversified institutional interest [8][9]. Business Overview - PSBC primarily operates in personal banking (69.57% of revenue), corporate banking (19.70%), and funding services (10.65%), positioning itself as a significant player in the Chinese banking sector [6]. - The bank is classified under the state-owned large banks category, which may benefit from ongoing state reforms [2][6]. Technical Analysis - The average trading cost of PSBC shares is 4.99 yuan, with the current stock price approaching a resistance level of 6.28 yuan, suggesting potential for upward movement if this level is surpassed [5]. Market Sentiment - Recent net inflow from major investors was 100 million yuan, with a total industry net inflow of 308 million yuan over three days, indicating positive market sentiment towards PSBC [3][4].