近段时间，金融板块整体表现亮眼，成为市场关注的焦点。 Wind 资讯数据显示，截至 5 月 15 日收盘，Wind 银行行业指数报 7072.61 点，创历史新高。 而前一日，银行、保险、券商等板块齐发力，带动上证指数站上 3400 点，提振了市场情绪。在此背景 下，金融板块后续配置价值如何，成为投资者的关注点。 在业内人士看来，中国人民银行降准降息、公募基金改革方案发布、险资权益投资力度持续加大等积极 因素叠加，有望为包括银行板块在内的金融板块带来增配机遇，推动更多资金流入。 华泰证券认为公募改革落地有望驱动银行板块估值。 智通财经APP获悉，证监会最近发布《推动公募基金高质量发展行动方案》，显著强化业绩比较基准约 束力，预计未来基金配置或向业绩基准靠拢。2025 年一季度主动权益深度欠配银行，较沪深 300 偏离 度近 10pct，改革驱动下或有较大增配空间。近期一揽子政策落地，驱动经济修复。华泰证券最新研报 认为，被动基金持续扩容，险资加速入市，增量资金持续流入可期，有望进一步支撑板块行情。个股关 注：1）2025 年一季度公募低配的股份行；2）稳健大行仍有配置价值；3）质优个股。 内银相关港股企业： ...

做金融业务更做真心朋友 转自：新华财经 春犁破土，万象"耕"新。五月以来，全国产粮第一大省黑龙江省春耕生产进入关键时期。木兰县作为传 统产粮大县，在本轮春耕备耕期间，田间整地压茬推进、良种化肥如期到位、春耕备耕有序开展。中国 邮政储蓄银行木兰县支行作为服务当地"三农"的生力军，积极践行金融为民理念，以热忱的用户服务、 出色的服务效率、过硬的金融产品助力当地农户春耕备耕。 强核心业务更强发展信心 邮储银行黑龙江省分行所倡导的"实地进行调研、了解用户需求、提供金融方案"的"胶鞋文化"，在邮储 银行木兰县支行得到生动实践，该行工作人员用脚板穿越风雨、用足迹丈量大地，以扎实的用户调研， 准确把握市场脉搏。 据悉，近年来该行围绕农户最关心的"能否给我贷款、贷款额度多少、何时审批通过"等问题，不断迭代 产品，满足用户需求，该行在去年所推出的授信额度为50万元的"极速贷"信用户金融产品广受用户青 睐。木兰县农百万化肥种子商店负责人王建永说："邮储银行的金融产品贴合实际，贷款金额到账速度 快，随用随还非常方便。" 邮储银行木兰县支行行长赵首鹏表示，该行充分发挥"自营+代理"的比较优势，打通县域金融服务"最后 一公里"。在自营 ...

Group 1 - The core point of the news is that China Postal Savings Bank has applied for a patent for a business performance testing method based on rule trees and clustering, aimed at improving the accuracy of performance testing for business systems [1] - The patent application was published under the number CN119988175A, with an application date of March 2025 [1] - The proposed method addresses issues in existing technologies, such as low coverage of test data and single test scenarios, which lead to inaccuracies in interface testing results [1] Group 2 - China Postal Savings Bank was established in 2007 and is located in Beijing, primarily engaged in monetary financial services [2] - The bank has a registered capital of approximately 9.92 billion RMB [2] - The bank has made investments in 7 companies, participated in 5000 bidding projects, and holds 1214 trademark records and 814 patent records [2]

Group 1 - Jiangxi Jupeng Technology Group Co., Ltd. is undergoing a green transformation in response to the national "dual carbon" goals, facing urgent needs for production technology and equipment upgrades [1] - The company received a loan of 10 million yuan from Postal Savings Bank of China, which alleviated its financial difficulties [1] - After receiving funding, the company expanded its production capacity by adding a new production line of 200,000 tons, improved aluminum recovery rates by over 15%, and reduced greenhouse gas emissions by 80% [1] Group 2 - Postal Savings Bank of China’s branch in Shangrao City is committed to optimizing its credit structure and increasing funding for green industries and carbon reduction initiatives [2] - As of April 2025, the green loan balance of the bank's Shangrao branch exceeded 3.1 billion yuan, highlighting its role as a catalyst for traditional industry transformation [2]

Group 1 - Postal Savings Bank of China Jiangxi Ganzhou Branch focuses on serving "three rural issues" and rural revitalization, leveraging its network and resources to enhance product and service innovation [2][4] - The bank has increased credit investment in agricultural sectors, stimulating new growth for local specialty industries, thereby contributing to agricultural efficiency, farmers' income, and rural prosperity [2][4] - The bank has provided tailored financial services based on local industry characteristics, matching loan amounts, interest rates, and repayment methods to meet specific financial needs [4] Group 2 - The bank has implemented a grid-based operation system in rural markets, categorizing villages into "premium," "key," "potential," and "standard" to develop targeted marketing and proactive credit granting [4] - As of now, the bank has disbursed over 97.4 billion yuan in small loans, benefiting more than 510,000 customers [4] - The bank's quick response to local entrepreneurs' funding needs, such as providing 500,000 yuan to a shrimp farmer and 300,000 yuan to a tea producer, demonstrates its commitment to supporting local agriculture [2][3]

Core Insights - The report maintains a positive outlook on bank sector investments, emphasizing the stability and dividend attributes of bank stocks, with an average dividend yield exceeding 4.3% [6][16] - The banking sector is expected to benefit from structural changes in the economy, leading to improved return on equity (ROE) and overall performance [7][10] Dimension One: Stability and Dividend Attributes of Bank Stocks - The core revenue growth of banks showed marginal improvement in Q1 2025, with a projected stable annual performance despite a slowdown in revenue and profit growth [10][11] - The average dividend payout ratio for listed banks increased to 26.1%, with an average dividend yield of over 4.3%, indicating strong dividend sustainability [16] - Major banks have received capital injections, enhancing asset quality and stabilizing market expectations, with non-performing loan ratios remaining steady at 1.16% [10][11] Dimension Two: Public Fund Reform and Increased Bank Allocations - The recent public fund reforms are expected to increase allocations to the banking sector, with potential incremental capital of approximately 222.7 billion yuan if funds align with industry benchmarks [10][12] Dimension Three: Influx of Long-term Capital - The acceleration of long-term capital inflows, particularly from insurance funds, is anticipated to provide additional support to bank stocks, with 14 cases of insurance fund acquisitions in 2025 [10][12] Dimension Four: Structural Economic Transformation and ROE Improvement - The banking sector's ROE is projected to stabilize between 8-9%, with potential for upward movement if economic conditions improve and structural transformations accelerate [7][10] Investment Recommendations - Emphasis on bank sector allocation, particularly focusing on state-owned banks and quality regional banks with strong provisioning coverage [7][10] - The report suggests a diversified investment strategy, highlighting the importance of dividend strategies and the potential for valuation improvements in selected banks [7][10]

Core Viewpoint - Postal Savings Bank of China Dongguan Branch is actively promoting the implementation of digital RMB (e-CNY) in response to the national digital finance strategy, aiming to enhance its application across various sectors [1][2]. Group 1: Digital RMB Implementation - As of May 2025, the bank has opened over 300,000 personal wallets and nearly 2,800 corporate wallets, with transaction amounts exceeding 300 million yuan, covering areas such as government services, healthcare, credit, and consumption [1]. - The bank focuses on scenario construction to deepen the application of digital RMB in sectors like government, healthcare, and finance, with various payment scenarios already implemented [1]. Group 2: Promotional Activities - To enhance public awareness and usage of digital RMB, the bank has launched several promotional activities, including incentives for new users and cashback offers for transactions [2]. - The bank aims to build a digital RMB ecosystem that spans multiple fields, contributing to the high-quality development of the regional economy [2].

Core Points - The article discusses the "Sunshine Credit" promotional campaign by Postal Savings Bank in Luohe City, aimed at enhancing transparency in financial services and building public trust in credit operations [1][2] - The campaign involved various promotional activities across bank branches, including the use of display stands and informational materials to communicate the advantages and features of "Sunshine Credit" [1] - The initiative has successfully increased awareness and transparency of the bank's credit services, demonstrating the bank's commitment to inclusive finance and responsible service to the community [2] Group 1 - The "Sunshine Credit" campaign aims to improve public understanding and trust in credit services [1] - Promotional materials included display stands and "Sunshine Credit Supervision Cards" to provide detailed explanations of loan application processes and policies [1] - High-definition televisions in branches showcased animated presentations of the credit process, including risk prevention tips and credit knowledge [1] Group 2 - Staff members adopted a customer-centric approach, tailoring their communication strategies to different customer segments, such as small business owners and individual entrepreneurs [2] - The campaign effectively raised the visibility and transparency of the bank's credit offerings, reinforcing its role in promoting a healthy financial consumption environment [2] - The initiative reflects the bank's dedication to serving the public and supporting economic development through accessible financial products [2]

Fund Overview - The fund is named "China Post CSI Interbank Certificate of Deposit AAA Index 7-Day Holding Period Securities Investment Fund" with a code of 024199 [20] - It is classified as a mixed-type securities investment fund [2] - The fund operates as a contractual open-end fund with a lock-up period of 7 days for each share [20][18] - The total fundraising cap is set at RMB 5 billion [6][21] Fund Management and Operations - The fund is managed by China Post Capital Management Co., Ltd., with the registration and custody handled by China Postal Savings Bank [3][4] - The fund will be publicly offered from May 28, 2025, to June 10, 2025 [5] - Investors must open a fund account with the management company to purchase the fund [7] Investment Strategy - The fund aims to achieve returns similar to the underlying index before deducting fees, minimizing tracking deviation and error [21] - It primarily invests in the components and alternative components of the CSI Interbank Certificate of Deposit AAA Index, maintaining at least 80% of its non-cash assets in these securities [22][23] - The fund does not invest in stocks or convertible bonds, focusing instead on interbank certificates of deposit and other debt instruments [23] Subscription and Redemption Process - Investors can subscribe to the fund without incurring subscription fees, but a service fee will be charged [30] - The subscription process requires investors to submit specific documentation and ensure funds are transferred to designated accounts by the deadline [39][45] - The fund has a 7-day lock-up period during which investors cannot redeem or transfer their shares [18] Risk Factors - The fund's risk profile is lower than that of equity funds but higher than that of money market funds, primarily due to its investment in interbank certificates of deposit [7] - Potential risks include tracking error, index volatility, and the possibility of component securities being suspended or defaulting [8][14][15]

Core Viewpoint - The banking industry is increasingly prioritizing the recruitment and development of dual-skilled talent who understand both finance and technology, driven by policy support for technology-driven financial innovation [4][6][8]. Talent Development - Banks are focusing on hiring technology professionals, with many institutions reporting a significant increase in the number of tech staff [8][9]. - The demand for AI talent is particularly high, with banks like China Merchants Bank actively recruiting for AI-related positions [6][7]. - The average age of technology finance personnel in banks is decreasing, with many new hires coming from engineering backgrounds rather than traditional finance [11]. Performance Assessment - Banks are implementing internal due diligence exemption systems to encourage innovation in technology finance, although challenges remain in standardizing these measures [5][14]. - The due diligence exemption allows bank staff to avoid penalties if they can demonstrate that they acted responsibly in the face of risks associated with technology loans [15][17]. - There is a push for longer-term performance evaluation cycles to better assess the impact of technology loans, as short-term metrics may not accurately reflect the success of tech-driven projects [16]. Industry Trends - The proportion of technology staff within banks is generally higher in joint-stock banks compared to state-owned banks, with notable increases in recent years [9][10]. - The technology staff at major banks like ICBC and CCB has reached significant numbers, with ICBC leading at 36,000 tech employees [8][9]. - The establishment of specialized technology finance branches is becoming common, with banks setting specific standards for the number and qualifications of technology staff [12][13]. Challenges - The implementation of due diligence exemption policies faces difficulties due to a lack of unified quantitative standards, leading to subjective interpretations of responsibility [18][20]. - The complexity of assessing risks in technology finance can hinder the effectiveness of performance evaluations, as the nature of tech companies often involves high uncertainty [19][20].