证券代码：601658 证券简称：邮储银行 公告编号：临 2025-037 中国邮政储蓄银行股份有限公司 关于董事任职资格获国家金融监督管理总局核准的 公告 1 站（www.sse.com.cn）的《中国邮政储蓄银行股份有限公司 2024 年 第一次临时股东大会会议资料》《中国邮政储蓄银行股份有限公司 2025 年第一次临时股东大会会议资料》。本行董事会对刘瑞钢先生、 杨勇先生的加入表示欢迎。 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。 中国邮政储蓄银行股份有限公司（以下简称本行）先后召开 2024 年第一次临时股东大会及 2025 年第一次临时股东大会审议并通过了 选举刘瑞钢先生为本行非执行董事、选举杨勇先生为本行独立非执行 董事的议案。5 月 27 日，本行收到《国家金融监督管理总局关于刘 瑞钢邮储银行董事任职资格的批复》（金复〔2025〕315 号），《国家 金融监督管理总局关于杨勇邮储银行独立董事任职资格的批复》（金 复〔2025〕316 号），国家金融监督管理总局已核准刘瑞钢先生担任 本行 ...

Core Viewpoint - In 2025, China's economy is at a critical juncture of consumption-driven transformation, with expanding domestic demand and stabilizing growth as core policy goals. The credit card business, as a "main force" in consumer finance, plays a vital role in activating consumption potential [1][3]. Group 1: Market Dynamics - The credit card market has shifted from a "land grab" development model to a more sustainable approach as the market nears saturation. The focus is now on scenario-based and digital strategies to break through the constraints of existing business models [1][7]. - As of the end of 2024, the total number of credit cards and combined lending cards reached 727 million, a decrease of 5.14% year-on-year, indicating a trend of market saturation [7]. Group 2: Marketing Strategies - Credit card issuers are increasingly launching diverse marketing activities during peak consumption seasons, such as traditional holidays and e-commerce shopping festivals, to stimulate consumer enthusiasm [3][4]. - Recent promotional activities include significant cashback offers and discounts for cardholders during events like Mother's Day, showcasing the integration of credit cards into the consumer ecosystem [3][4]. Group 3: Product Innovation - Credit cards are evolving to meet changing consumer demands, expanding into new areas such as health, education, and pet care, while also enhancing integration with various consumption scenarios [4][5]. - Innovations in credit card products are focusing on green finance and digital services, utilizing big data and AI to provide personalized financial services [5][10]. Group 4: Competitive Strategies - To address market saturation, banks are raising quick payment limits and offering installment payment discounts to stimulate consumer spending and extend payment cycles [7][8]. - Recent competitive moves include significant interest rate reductions for installment loans, with promotional rates as low as 2.76% for 12-month plans, aimed at encouraging larger purchases [8]. Group 5: Future Outlook - The credit card industry is expected to continue its growth trajectory by deepening scenario-based and digital transformations, aligning with government initiatives to boost consumption [9][10]. - The integration of advanced technologies such as big data, AI, and blockchain will be crucial for enhancing customer insights, risk management, and product innovation [10][11].

Core Viewpoint - The competition in consumer loans among banks has shifted from a focus on low interest rates to enhancing loan limits and extending loan terms, as banks seek to adapt to changing market conditions and regulatory guidance [1][11][15] Consumer Loan Growth - In 2024, the total consumer loan balance of 40 A-share listed banks increased by over 950 billion yuan, with some banks experiencing growth rates exceeding 90% compared to the previous year [1][3] - The consumer loan balance for these banks reached approximately 6.06 trillion yuan by the end of 2024, marking an increase of 957.85 billion yuan from the previous year [3][4] Interest Rate Trends - Consumer loan interest rates dropped to the "2" range, with some banks offering rates as low as 1.88% for select customers, but this trend has reversed with many banks raising rates to no less than 3% by April 2024 [1][9][10] - The shift back to "3" range interest rates is aimed at preventing excessive competition and potential financial risks associated with low-rate loans [10][11] Bank Strategies - Banks are now focusing on enhancing consumer loan products by increasing limits and extending terms, responding to government initiatives to boost consumption [11][12] - Various banks have begun to raise loan limits and extend repayment periods, with some institutions increasing the maximum loan amount from 300,000 yuan to 500,000 yuan and extending terms from five to seven years [12][16] Market Segmentation - The consumer loan market is showing significant differentiation, with some banks rapidly expanding their loan portfolios through low-rate strategies, while others are contracting due to concerns over rising non-performing loan rates [5][10] - Banks are increasingly targeting specific consumer scenarios, such as home renovations and electric vehicle purchases, to drive loan growth [15][16] Risk Management - The rise in consumer loan balances has led to an increase in non-performing loans, prompting banks to enhance their risk management practices and focus on quality customer segments [9][10][14] - Regulatory bodies are emphasizing the need for banks to monitor the flow of consumer loan funds to mitigate systemic risks [14]

Group 1 - The core issue in the automotive industry is the fierce price competition, particularly affecting the profitability of car manufacturers, with automotive manufacturing profits declining by 5.1% year-on-year despite a revenue increase of 6.9% [1][2] - The government is reportedly convening meetings with car manufacturers and dealers to discuss issues related to "zero-kilometer used cars," indicating regulatory scrutiny in the sector [1] - A specific car dealer in Shandong has faced severe financial difficulties, highlighting the pressures on dealers compared to manufacturers [1] Group 2 - The article suggests that the trend of price reductions in the new energy vehicle sector is unlikely to stop, drawing parallels with the solar industry, which has faced similar challenges [2][3] - Car manufacturers may have two potential paths: to endure the competitive landscape until only a few remain or to establish core competencies and target specific customer segments [4][5] - The current environment is characterized by extreme homogenization, making it difficult for manufacturers to carve out unique positions in the market [6] Group 3 - The Hong Kong stock market continues to outperform the A-share market, with significant inflows from southbound capital, indicating investor confidence in certain sectors [8] - The article outlines four cycles contributing to the positive outlook for Hong Kong stocks, including a low interest rate environment and regulatory easing for insurance capital [9] - Recent performance in the innovation and new consumption sectors has been strong, with notable gains in stocks like Bubble Mart and Mixue Ice City [9][10] Group 4 - There is a significant net inflow of capital into Hong Kong bank stocks, with southbound funds purchasing over 100 billion HKD worth of bank shares since the beginning of the year [12][15] - The concentration of investments is primarily in the major state-owned banks, indicating a strategic focus by institutional investors [15][16] - Monthly purchases of bank stocks have remained stable, suggesting a consistent investment strategy aligned with insurance capital flows [18]

Core Viewpoint - The increasing demand for convenience and personalized financial services has led banks to offer home banking services for clients with mobility issues, particularly the elderly [1][3][4]. Group 1: Home Banking Services - Multiple banks in Zhongshan provide home banking services for elderly clients who are unable to visit bank branches due to mobility issues [1][3]. - Banks require that if an elderly person is not mentally clear, a medical or community certificate is needed to proceed with banking services [3][4]. - Home banking services include account opening and transactions, but specific procedures depend on the client's needs and mental state [4][6]. Group 2: Recommendations Against New Bank Accounts - Some banks recommend using existing social security or medical insurance cards instead of opening new bank accounts for elderly clients, citing convenience and regulatory concerns [7][9]. - Legal experts argue that banks' reluctance to open new accounts for elderly clients lacks legal basis, as regulations support providing services to those with disabilities [9][10]. - It is suggested that elderly clients should avoid opening multiple new bank accounts unless absolutely necessary, to prevent complications [10][11]. Group 3: Legal and Regulatory Context - Regulations from the China Banking Regulatory Commission emphasize the need for banks to develop services for elderly clients and those with disabilities [9]. - The demographic data indicates a significant portion of Zhongshan's population is elderly, highlighting the importance of accessible banking services [9].

Core Viewpoint - The development of "Three Rural" finance is a significant reflection of the political and people-oriented nature of financial work, linking economic development with the well-being of the people [1] Group 1: Financial Support for Agriculture - As of the end of 2024, the agricultural loan balance of Postal Savings Bank's Changsha branch is expected to exceed 20.179 billion yuan, having helped 15,100 agricultural clients [2] - The bank aims to enhance the accessibility, coverage, and satisfaction of financial services related to "Three Rural" finance, fulfilling its mission of inclusive finance [1] Group 2: Support for Local Enterprises - Postal Savings Bank's Changsha branch has collaborated with SaaS service provider Hunan Xingfutong Technology Co., Ltd. to create a unified payment system for "Pig Commander," facilitating its expansion and addressing its financial challenges [3] - A customized financial solution was provided to "Pig Commander," including a 2 million yuan rapid loan based on store operating cash flow, with further credit support planned for franchisees [3][4] Group 3: Broader Impact on Local Economy - The bank's financial services have enabled "Pig Commander" to plan the opening of 50 new stores this year, indicating a positive growth trajectory [4] - The bank's innovative financial solutions have also supported "Lu Ka," a hot food brand, by streamlining payment processes and providing timely loans, enhancing operational efficiency [6] Group 4: Commitment to Community Development - Postal Savings Bank's Changsha branch is committed to deepening cooperation in the livelihood sector and providing high-quality services, ensuring that "Three Rural" finance continues to nourish the local economy [7]

Group 1 - The event held on May 23 aimed to meet the financing needs of quality small and medium-sized enterprises (SMEs) and promote financial policies and application guidelines for these enterprises, while enhancing cooperation between government, banks, and businesses to support market expansion and increase financial support for the environmental industry chain [1][3] - Postal Savings Bank's Linyi Luozhuang District branch presented specialized financial products for the environmental sector, including exclusive policies for innovative enterprises and personal financing services, emphasizing customized financial services as a foundation for deep cooperation [3][5] - The establishment of a specialized board in the regional equity market aims to support the development of SMEs, with financial institutions committed to addressing practical issues and needs to safeguard the development of enterprises [5] Group 2 - Local government officials encouraged enterprises in the environmental sector to actively pursue honors such as "Gazelle Enterprises," "Unicorns," and "Manufacturing Single Champions," contributing to local financial development [5] - The Postal Savings Bank's branch plans to leverage this event to explore new service models between government, enterprises, and banks, focusing on solving financing difficulties for small and micro enterprises and supporting high-quality economic and social development in the region [5]

Group 1 - The core idea of the event is the integration of health and financial knowledge, creating a unique platform for cross-industry communication [1][3] - The event featured a health knowledge sharing session led by the hospital representative, focusing on calcium supplementation misconceptions and tea drinking health tips for the elderly [3] - The bank staff presented on current social risks, discussing typical fraud cases such as "loan-for-loan traps," "health product retirement scams," and "false employment fraud," providing practical anti-fraud techniques [3] Group 2 - The event was designed with a warm and elegant atmosphere, where a tea master demonstrated traditional tea ceremonies, allowing customers to engage in close interactions with bank employees [3] - Participants appreciated the innovative format that combined tea culture with financial education, enhancing both relaxation and practical knowledge [3] - The bank's initiative reflects its commitment to social responsibility and improving customer service experience through the exploration of a "finance + livelihood" service model [3] Group 3 - The bank plans to continue its "financial knowledge popularization +" series, collaborating with resources from various fields such as healthcare and education to create distinctive consumer education scenarios [4] - The goal is to strengthen financial safety measures and contribute to building a harmonious financial ecosystem [4]

Core Insights - The introduction of the "Closed Settlement Smart System" by Postal Savings Bank in Guangdong has successfully facilitated the first transaction in the province, enhancing the efficiency of agricultural payments and supporting rural revitalization [1][3]. Group 1: System Implementation and Benefits - The "Closed Settlement Smart System" allows for immediate payment to farmers, eliminating the risks associated with cash transactions and improving the speed of fund transfers [3][5]. - The system integrates technology and finance, enabling online order collection, management, and rapid batch transfers, which significantly enhances the efficiency and quality of the purchasing process for lychee [3][5]. - The system is expected to drive over 100 million yuan in efficient capital flow within the agricultural supply chain throughout the year [1]. Group 2: Agricultural Context and Challenges - Gaozhou, recognized as the "National Fruit First County" and the leading lychee production area, has a lychee planting area of 590,000 acres, producing over 30 premium varieties [3]. - Traditional transaction methods in lychee sales faced challenges such as high security risks and low settlement efficiency, which hindered the scale and efficiency of transactions [3][5]. - Farmers previously struggled with slow cash recovery due to issues like credit sales and outstanding debts [3]. Group 3: Future Prospects - The Postal Savings Bank plans to continue promoting the "Closed Settlement Smart System" to enhance digital financial services and expand its application in more agricultural scenarios [5]. - The initiative aims to improve the digital service level of the agricultural supply chain and better serve the real economy [5].

Core Insights - The collaboration between Beijing Postal Company, Postal Savings Bank of China Beijing Branch, and JD Group marks the launch of the "Postal Love Station" initiative, aimed at supporting outdoor laborers such as delivery riders [2][3] - The "Postal Love Station" has established 328 locations across Beijing, providing essential services for outdoor workers, thereby promoting a culture of respect and care for laborers [2] - JD Group emphasizes its commitment to the welfare of delivery riders by offering comprehensive insurance benefits and creating a supportive environment through the "Postal Love Station" [2][3] Group 1 - The "Postal Love Station" initiative is a collaborative effort involving multiple stakeholders, including the Beijing Financial Union, to enhance the living conditions of outdoor laborers [2] - JD Group has a history of social responsibility, demonstrated through its rapid response during disasters and its ongoing support for urban supply chains [2] - The partnership between Postal Savings Bank and JD Group has evolved from business transactions to a focus on social responsibility, with plans to expand services for laborers [2][3] Group 2 - A delivery rider expressed gratitude for the new benefits and the establishment of the "Postal Love Station," highlighting the importance of having a place to rest and hydrate during work [3] - Future collaborations will focus on enhancing rider rights, career development, and emergency service networks, aiming to normalize the care for laborers in urban governance [3]