8月5日，中国邮政储蓄银行发布公告：近期我行正在扣划邮储银行网商贷逾期客户银行账户款项用于偿还以上业务项下的欠款。根据我行已与您签署的《授 信及借款合同》/《贷款协议》/《经营性联合贷款合同》，我行有权扣划您在我行银行账户内的款项用以偿还对应欠款。如需查询扣划记录，可登录支付宝 终端，点击"我的-网商贷-还款-借还记录"进行查询。由此给您带来的不便，敬请谅解。 ...

Core Viewpoint - China Postal Savings Bank has applied for a patent related to a file transmission verification method, indicating its focus on enhancing digital communication security and efficiency [1] Company Overview - China Postal Savings Bank was established in 2007 and is located in Beijing, primarily engaged in monetary financial services [1] - The bank has a registered capital of approximately 9.92 billion RMB [1] - The bank has invested in 31 companies and participated in 5,000 bidding projects [1] - The bank holds 1,145 trademark records and 913 patent records, along with 98 administrative licenses [1] Patent Details - The patent application, titled "File Transmission Verification Method, Device, and Equipment, Computer Program Product," was published under CN120415657A with an application date of April 2025 [1] - The method involves receiving file sending and receiving information, verifying the files, and identifying discrepancies to facilitate resending if inconsistencies are found [1]

Group 1 - The core point of the article is that China Postal Savings Bank has obtained a patent for a method, device, and electronic equipment related to matching load and computing resources, with the patent granted under announcement number CN116126524B and the application date being December 2022 [1] Group 2 - The patent acquisition reflects the bank's commitment to innovation in technology and resource management [1] - This development may enhance the bank's operational efficiency and competitive edge in the financial services industry [1] - The patent signifies a strategic move towards integrating advanced technology in banking operations, potentially leading to improved service delivery [1]

8月4日，沪深两融数据显示，邮储银行获融资买入额1.07亿元，居两市第132位，当日融资偿还额1.24亿 元，净卖出1683.19万元。 融券方面，当日融券卖出30.41万股，净卖出24.23万股。 本文源自：金融界 作者：智投君 最近三个交易日，31日-4日，邮储银行分别获融资买入1.01亿元、1.40亿元、1.07亿元。 ...

Group 1 - The core point of the news is that Ping An Asset Management Co., Ltd. has increased its stake in Postal Savings Bank of China (01658.HK) to 15.06% by acquiring 15.91 million shares at an average price of HKD 5.5548 per share [1][2] Group 2 - As of July 31, 2025, Ping An Asset Management's total shareholding in Postal Savings Bank is 2,990,664,000 shares [1][2] - The increase in shareholding percentage from 14.98% to 15.06% indicates a strategic investment move by Ping An Asset Management [1]

Core Insights - The domestic credit card market is undergoing significant changes, including reduced benefits, discontinuation of certain products, and closure of credit card centers, indicating a transformation in the industry [1][3][4] Group 1: Adjustments in Credit Card Benefits - Several banks, including China Merchants Bank and Everbright Bank, have announced adjustments to high-end credit card benefits, focusing on increasing usage thresholds, modifying point accumulation rules, and reducing high-cost benefits [2][4] - Specific changes include increased requirements for redeeming points for miles and adjustments to annual fee waivers, such as requiring a minimum spending threshold alongside points [2][3] Group 2: Discontinuation of Credit Card Products - Many banks, including Agricultural Bank of China and Postal Savings Bank, have stopped issuing certain credit card products, particularly co-branded cards in sectors like aviation and e-commerce, citing business strategy adjustments and service quality improvements [3][4] Group 3: Shift in Industry Focus - The credit card industry is transitioning from an expansion phase to a focus on optimizing existing customer value, emphasizing the need for banks to streamline inefficient products and concentrate on core customer segments [4][5] - Factors driving this shift include intensified competition in the credit consumption market, pressure on credit assets, and the need to adapt to consumer preferences for high-frequency, essential spending scenarios [4][5][6] Group 4: Future Development Directions - Future strategies will involve deepening customer engagement through tailored benefits for different customer segments, enhancing self-operated service coverage, and integrating credit cards with wealth management and private banking services [5][6] - The industry is moving towards a model that prioritizes quality over quantity, focusing on value contribution and improving comprehensive financial service quality for high-end customers [6]

Core Insights - Insurance funds have made a total of 21 stake acquisitions in A-shares and H-shares as of August 4, surpassing the total for the entire previous year [2][4] - Major insurance companies involved include China Life, Ping An Life, and Taikang Life, with acquisitions spanning banks, energy, and public utility sectors [2][3] - The trend is driven by a combination of high dividend yields and new accounting standards that allow for smoother profit fluctuations [4][6] Stake Acquisitions - The insurance institutions that have made stake acquisitions this year include China Life, Ping An Life, Xinhua Insurance, and others [2] - Notable targets for these acquisitions include Agricultural Bank of China, Postal Savings Bank, and various energy companies [2][3] - Hong Kong-listed companies are particularly favored due to lower valuations and higher dividend yields [3] Investment Drivers - The decline in interest rates has increased investment pressure on insurance companies, prompting them to seek stable long-term returns through stake acquisitions [4][5] - The new accounting standards encourage insurance companies to invest in high-yield stocks to reduce profit volatility [6][7] Regulatory Environment - The Chinese government has implemented policies to extend the assessment period for state-owned insurance companies, allowing for a more stable investment approach [7][8] - Recent regulations have increased the upper limit for equity asset allocation, providing more room for insurance funds to invest in the stock market [9] Long-term Investment Strategy - Insurance funds are increasingly seen as a stabilizing force in the market, aligning with national strategies and supporting economic development [7][9] - The establishment of private equity funds by insurance companies aims to enhance their long-term investment capabilities and deepen their engagement with capital markets [9]

南方财经全媒体记者 林汉垚 北京报道 截至8月4日，保险资金年内在A股及H股市场累计举牌达21次，一举超越去年全年水平。中国人寿、平 安人寿、泰康人寿等十余家机构密集出手，举牌标的涵盖银行、能源、公共事业等领域。 华泰证券分析指出，险资正通过高息股填补现金收益缺口，并借新会计准则下FVOCI（以公允价值计量 且其变动计入其他综合收益的金融资产）计量平滑利润波动。 与此同时，财政部拉长国有险企考核周期、国家金融监管总局上调权益资产配置上限等政策组合拳，推 动"耐心资本"保险资金与实体经济深度协同。 年内举牌量超去年全年 根据原中国保监会于2015年发布的《保险公司资金运用信息披露准则第3号：举牌上市公司股票》，保 险公司举牌上市公司股票，是指保险公司持有或者与其关联方及一致行动人共同持有一家上市公司已发 行股份的5%，以及之后每增持达到5%时，按照相关法律法规规定，在3日内通知该上市公司并予以公 告的行为。 中国保险行业协会网站信息显示，截至8月4日，保险资金年内在A股及H股市场已累计举牌上市公司达 21次，已超过去年全年举牌次数。 据统计，今年以来举牌上市公司的保险机构有中国人寿、平安人寿、新华保险、瑞众人寿 ...

香港联交所最新资料显示，7月31日，Ping An Asset Management Co.,Ltd.增持邮储银行（601658） (01658)1591万股，每股作价为5.5548港元，总金额约为8837.69万港元。增持后最新持股数目约为29.91 亿股，最新持股比例为15.06%。 ...

智通财经APP获悉，香港联交所最新资料显示，7月31日，Ping An Asset Management Co., Ltd.增持邮储 银行(01658)1591万股，每股作价为5.5548港元，总金额约为8837.69万港元。增持后最新持股数目约为 29.91亿股，最新持股比例为15.06%。 ...