【大河财立方消息】8月12日消息，财政部、中国人民银行、国家金融监管总局印发《个人消费贷款财 政贴息政策实施方案》。 其中提到，2025年9月1日至2026年8月31日期间，居民个人使用贷款经办机构发放的个人消费贷款（不 含信用卡业务）中实际用于消费，且贷款经办机构可通过贷款发放账户等识别借款人相关消费交易信息 的部分，可按规定享受贴息政策。贴息范围包括单笔5万元以下消费，以及单笔5万元及以上的家用汽 车、养老生育、教育培训、文化旅游、家居家装、电子产品、健康医疗等重点领域消费。对于单笔5万 元以上的消费，以5万元消费额度为上限进行贴息。政策到期后，可视实施效果研究延长政策期限、扩 大支持范围。 年贴息比例为1个百分点（按符合条件的实际用于消费的个人消费贷款本金计算），且最高不超过贷款 合同利率的50%，中央财政、省级财政分别承担贴息资金的90%、10%。贷款合同利率需要符合相应利 率自律约定。政策执行期内，每名借款人在一家贷款经办机构可享受的全部个人消费贷款累计贴息上限 为3000元（对应符合条件的累计消费金额30万元），其中在一家贷款经办机构可享受单笔5万元以下的 个人消费贷款累计贴息上限为1000元（对 ...

【免责声明】本文仅代表作者本人观点，与和讯网无关。和讯网站对文中陈述、观点判断保持中立，不 对所包含内容的准确性、可靠性或完整性提供任何明示或暗示的保证。请读者仅作参考，并请自行承担 全部责任。邮箱：news_center@staff.hexun.com 格隆汇8月12日｜财政部、中国人民等九部门印发 《服务业经营主体贷款贴息 政策实施方案》，中央财 政给予贴息的服务业经营主体贷款经办银行为21家全国性银行，包括国家开发银行、中国、中国农业发 展银行、中国工商份有限公司、中国股份有限公司、()股份有限公司、中国股份有限公司、股份有限公 司、中国邮政储蓄银行股份有限公司、()股份有限公司、股份有限公司、()股份有限公司、股份有限公 司、()股份有限公司、()股份有限公司、股份有限公司、()股份有限公司、上海浦东发展银行股份有限公 司、恒丰银行股份有限公司、浙商银行股份有限公司、渤海银行股份有限公司。 ...

Core Viewpoint - Financial institutions are actively supporting spring agricultural production by providing loans and insurance to farmers, facilitating rural revitalization and ensuring timely agricultural activities [1][3][4]. Financial Support for Agriculture - Agricultural Bank plans to issue over 150 billion yuan in spring farming loans, establishing a "green channel" for credit approval to ensure timely support [3] - China Postal Savings Bank aims to provide 100 billion yuan in loans for spring farming [3] - As of the end of January, the balance of loans to farmers increased by 1.8 billion yuan, and loans to new agricultural operators increased by 3.5 billion yuan [3] Innovative Financial Products - Huazhong Rural Credit Cooperative provided a 40,000 yuan loan to a farmer for purchasing fertilizers, easing financial pressure during spring farming [2] - Harbin Bank offered a 1 million yuan loan to a grain farmer, insured by a policy that prioritizes loan repayment in case of crop loss [2] - Insurance products like low-temperature meteorological index insurance have been introduced to protect tea farmers from climate risks, with payouts helping to recover losses [4][5] Technology and Service Improvement - Financial institutions are enhancing service accessibility and efficiency through technology, such as online loan applications and insurance claims [6][9] - Black River Rural Commercial Bank has issued 10.61 million yuan in small credit loans to farmers, demonstrating the effectiveness of localized financial services [7] - The integration of financial technology with traditional banking is reducing service costs and improving efficiency in rural areas [9] Collaboration and Communication - Collaborative efforts between financial institutions, government, and enterprises are breaking down information barriers, facilitating better access to financing for farmers [8] - Tianjin Rural Commercial Bank launched a "Spring Farming Loan" product in cooperation with local agricultural financing guarantee companies [8]

中国人民银行货币政策委员会日前召开的2022年第一季度例会提出，要稳字当头、稳中求进，强化 跨周期和逆周期调节，加大稳健的货币政策实施力度，增强前瞻性、精准性、自主性，发挥好货币政策 工具的总量和结构双重功能，主动应对，提振信心，为实体经济提供更有力支持，稳定宏观经济大盘。 近期，随着越来越多的金融机构晒出年度经营报告，一张金融业大力支持实体经济的"成绩单"愈加清 晰。 畅通企业融资渠道 如何缓解企业融资难融资贵，是金融机构的必答题。 中国再保险（集团）股份有限公司副总裁庄乾志介绍，中国"一带一路"再保险共同体自去年成立之后， 已有23家保险公司加入，共同为中国企业相关项目提供保险服务。一年多时间，共同体保障的境外项目 总规模超过160亿元，有效防范和化解中国企业"走出去"的境外风险。 面对新冠肺炎疫情的反复，交易所等相关单位也积极行动，助力企业应对风险。3月26日，上海证券交 易所发布通知，宣布免收沪市存量及增量上市公司2022年上市初费和上市年费、增量上市公司2022年股 东大会网络投票服务费、2022年度CA证书服务费等多项费用，同时减免和调降数据中心专线及机柜 费。上海证券交易所就进一步保障市场运行提 ...

根据国有六大行2021年年报中披露的利润分配方案，6家银行2021年度推出的现金分红金额合计高 达3821.93亿元（普通股税前，下同），较2020年度大幅增长11.81%，分红金额再创历史新高。 分红总额再创历史新高 工行派现过千亿元 作为金融"国家队"、商业银行的"领头羊"，国有六大行在积极落实国家战略，持续提升服务实体经 济质效的同时，也在通过长期稳定的分红、引领价值投资上发挥着示范作用。 根据国有六大行对外披露的利润分配方案，上述银行2021年度的拟合计派发现金分红高达3821.93 亿元，较2020年度3418.17亿元的分红金额大幅增长403.76亿元，增幅高达11.81%。 从国有六大行披露的具体分红数据看，六大行2021年度的分红金额均较2020年度出现不同程度增 长。其中，工商银行2021年度现金分红首次突破千亿元大关，达1045.34亿元。 此外，建行、农行、中行、交行和邮储银行2021年度的现金分红分别增至910.04亿元、723.76亿 元、650.60亿元、263.63亿元和228.56亿元。在六大国有银行中，每股分红比例最高的为建设银行，该 行2021年度拟每10股派现3.64元。 ...

Core Viewpoint - The recent reduction in deposit rates by multiple banks is aimed at lowering the cost of bank liabilities, thereby enhancing the banks' ability to support the real economy through lower financing costs [1][4]. Group 1: Deposit Rate Adjustments - As of April 25, several banks have lowered their fixed deposit and large-denomination certificate of deposit rates by 10 basis points [1]. - Agricultural Bank reported a 3-year fixed deposit rate of 3.15% and a large-denomination certificate of deposit rate of 3.25% for amounts starting at 200,000 yuan, although availability is limited [2]. - Industrial and Commercial Bank's rates for 2-year and 3-year fixed deposits were adjusted to 2.5% and 3.15%, respectively, as of April 25 [2]. - Everbright Bank's 1-year, 2-year, and 3-year fixed deposit rates are now 2.25%, 2.75%, and 3.4%, respectively, with a notable demand from customers seeking to lock in higher rates before further reductions [2]. Group 2: Policy Measures to Support Financing - Experts believe that the decline in deposit rates will help reduce banks' funding costs, leading to lower loan costs and increased capacity for banks to support the real economy [4]. - The People's Bank of China has lowered the reserve requirement ratio, releasing approximately 530 billion yuan in long-term funds, which is expected to reduce financial institutions' funding costs by about 6.5 billion yuan annually [4]. - Recent government meetings have encouraged large banks with high provisioning levels to lower their provisioning rates, which could free up more capital for lending and improve the financial conditions for small and medium-sized enterprises [4].

Core Insights - The metaverse expands the imagination of financial institutions in product innovation, as they seek differentiation in a homogenized service landscape [1] - Digital transformation and fintech empowerment are key strategies for banks to enhance service quality, with the metaverse providing a new practical ground for initiatives like digital banks and digital collectibles [1] Group 1: Digital Collectibles - Postal Savings Bank of China’s Shandong branch has partnered with the "Seal Digital Collection" platform to enter the digital collectibles market, launching five limited edition digital collectibles [2] - Xi'an Bank issued 25,000 customized digital collectibles to celebrate its 25th anniversary, utilizing blockchain for copyright verification [2] - Other banks, such as Beijing Bank and Agricultural Bank of China, have also launched their own digital collectibles, enhancing user engagement and brand influence [3] Group 2: Financial Products and Metaverse - Digital collectibles are distinct from cryptocurrencies, as they represent specific artworks or items with actual value and do not possess payment functionalities [4] - Banks are not only developing digital collectibles but are also exploring new technologies within the metaverse, with institutions like Industrial and Commercial Bank of China entering the "Xirang" metaverse product [5] - The China Mobile Communications Association's Metaverse Industry Committee includes several banks, indicating a broader industry interest in exploring the metaverse [6] Group 3: Industry Challenges and Opportunities - While banks are actively engaging in the metaverse, there is a need for cautious evaluation of new technologies and business models to avoid hasty decisions [6] - The metaverse concept allows for the use of blockchain technology to secure data rights, facilitating asset circulation and transactions, positioning financial institutions as key players in this transformation [6]

Core Viewpoint - The A-share listed banks are significant dividend payers, with a total cash dividend distribution exceeding 540 billion yuan for the year 2021, marking a historical high in the banking sector [1][3]. Dividend Distribution - As of June 9, 2022, nine banks have distributed a total of 15.5 billion yuan in cash dividends, with four more banks set to implement their dividend distributions next week [1][2]. - The highest cash dividend distribution among the nine banks is from Jiangsu Bank at 5.9 billion yuan, while Guiyang Bank has the lowest at 1.1 billion yuan [2]. - Three banks have a cash dividend payout ratio exceeding 30%, with Qingdao Bank leading at 31.86% [2]. Future Dividend Expectations - An additional 27 A-share listed banks are expected to distribute over 503.5 billion yuan in dividends, with the six major banks (ICBC, ABC, BOC, CCB, Bank of Communications, and Postal Savings Bank) accounting for 70% of the total expected dividends [3]. - ICBC is projected to lead with a proposed dividend of over 104.5 billion yuan [3]. Dividend Yield - As of June 9, 2022, 18 listed banks have a dividend yield exceeding 5%, with 26 banks yielding over 4% [5]. - The dividend yield of these banks is significantly higher than the average returns of bank wealth management products, which ranged from 2.29% to 3.97% in 2021 [6]. Strategic Considerations - High dividend payouts are seen as a strategy to attract more investors and enhance the banks' image, contributing to stock price stability and market value management [2].

Core Viewpoint - Financial management departments have implemented measures to support pandemic control and the recovery of the real economy, with a focus on increasing financial resources for key sectors such as infrastructure and technology innovation [1][2]. Group 1: Financial Support Measures - The People's Bank of China reported that in May, the social financing scale increased by 2.79 trillion yuan, a year-on-year increase of 839.9 billion yuan, and a month-on-month increase of approximately 1.88 trillion yuan [2]. - In May, new RMB loans increased by 1.89 trillion yuan, a year-on-year increase of 392 billion yuan, with the cumulative new loan scale exceeding the same period last year [2]. - Banks are setting clear credit growth targets and increasing the assessment of new credit investments, particularly in key areas [2]. Group 2: Financing Channels - The efficiency of financing through stock and bond markets has improved, with 126 IPOs raising a total of 272.38 billion yuan in the first five months of the year [3]. - Corporate bond financing reached 1.68 trillion yuan, and government bond financing reached 3.03 trillion yuan, both showing significant year-on-year increases [3]. - Banks are providing financing support to individual businesses and non-legal entities, with lower costs associated with bond issuance [3]. Group 3: Focus on Key Areas - Financial institutions are increasing support for infrastructure and technology innovation, with a focus on water conservancy projects and major engineering initiatives [4][5]. - The National Development Bank has extended loan terms for major water conservancy projects, with maximum loan terms reaching 45 years [5]. - The bond market has introduced various products to support technology innovation, with over 30 technology innovation bonds issued, raising more than 20 billion yuan [5][6].

Core Viewpoint - Agricultural Bank of China saw its stock price increase by over 1% during trading, reaching a new historical high, with other banks such as Everbright Bank, Postal Savings Bank, Industrial Bank, Minsheng Bank, and Chongqing Bank also experiencing gains [1] Group 1 - Agricultural Bank of China achieved a stock price increase of over 1% [1] - The stock price of Agricultural Bank of China reached a new historical high [1] - Other banks including Everbright Bank, Postal Savings Bank, Industrial Bank, Minsheng Bank, and Chongqing Bank followed suit with their stock price increases [1]