作 者丨曹媛 编 辑丨孙超逸 去年以来险资频频举牌，尤为青睐银行股。 中国保险行业协会信息显示， 截至5月9日，今年以来险资已有1 3次举牌 ，其中6次为举牌银 行股，包括平安人寿举牌农业银行、邮储银行、招商银行（2次），瑞众保险举牌中信银行， 新华保险举牌杭州银行。 据WIND数据，从险资重仓持股情况来看，截至一季度末，险资对银行股持股数量和市值均在 险资持股行业中位居前列。 而在一众保险机构中， 中国平安及"平安系"公司举牌银行股的频次较高 ，平安人寿更是多次 增持、举牌招行H股。 Wi n d 数 据 显 示 ， 截 至 今 日 收 盘 ， 六 大 国 有 银 行 H 股 股 息 率 普 遍 高 于 5% ， 其 中 工 商 银 行 为 6 . 0 5%、农业银行为5 . 3 8 0%、中国银行为5 . 7%、建设银行为6 . 4 4%、交通银行为5 . 7 8%、邮 储银行为5 . 8%。 在2 0 2 4年业绩发布会后，中国平安总经理兼联席首席执行官谢永林接受采访时，也表达了类 似观点，"国有大行有稳健的经营基本面，且有低波动、高分红、低估值特点，平均股息率5% 以上，较当前2%—2 . 5%的保险 ...

Group 1 - The People's Bank of China has announced a temporary suspension of government bond trading operations, citing a supply-demand imbalance in the bond market, with the 10-year government bond yield dropping below 1.6% [1] - Over 20 commercial banks have reduced their fixed deposit rates since April, leading to a significant decline in high-interest deposits, with rates now entering the "1 era" [2] - Three major banks, including Bank of Communications, Postal Savings Bank, and Bank of China, have received approval for their A-share stock issuance to specific investors, pending further regulatory approval [3] Group 2 - Experts suggest that large commercial banks raising funds through stock issuance will enhance their core capital, improving their stability and ability to serve the real economy, thus contributing to financial security and high-quality economic development [3] - The Industrial and Commercial Bank of China has responded to false claims regarding impurities in gold bars sold at its branches, emphasizing the importance of consumer protection and proper documentation [4] - Several banks, including Industrial Bank and Bank of Communications, have prohibited the use of credit cards for gold trading, highlighting the risks associated with leveraging credit for investment purposes [5]

Core Viewpoint - The article discusses the efforts of Postal Savings Bank of China in Ziyang City to combat the phenomenon of cash refusal, ensuring the legal status of the Renminbi and promoting a harmonious cash circulation environment during the "May Day" holiday [1][2][3][4]. Group 1: Multi-faceted Promotion - The bank organized a series of promotional activities around the theme "Cash service for the people, refusal of cash is illegal," utilizing 181 branches to distribute promotional materials and set up consultation desks [1]. - A cash service promotion team was formed to distribute leaflets in high-frequency cash usage areas, reminding merchants to accept cash payments legally [2]. - The bank emphasized the importance of cash payments by setting up promotional points in public service centers, highlighting relevant laws and regulations [2]. Group 2: Precise Engagement - The bank established communication channels with community merchants through liaison groups, enhancing their understanding of the legal status of the Renminbi [3]. - Merchants were informed about the bank's provision of "small denomination cash reserve" services to meet their reasonable cash needs [3]. - Regular follow-ups with merchants were conducted to track cash payment situations and address issues promptly [3]. Group 3: Long-term Supervision - The bank publicly announced contact information for reporting cash refusal incidents, committing to investigate and provide feedback on such reports on the same day [4]. - A cash service archive for merchants was created, with regular checks and follow-ups to ensure compliance [4]. - The promotional activities reached over 1,000 merchants and more than 30 public service windows, distributing over 3,000 promotional materials [4].

天眼查资料显示，中国邮政储蓄银行股份有限公司，成立于2007年，位于北京市，是一家以从事货币金 融服务为主的企业。企业注册资本9916107.6038万人民币。通过天眼查大数据分析，中国邮政储蓄银行 股份有限公司共对外投资了7家企业，参与招投标项目5000次，财产线索方面有商标信息1214条，专利 信息804条，此外企业还拥有行政许可96个。 金融界2025年5月10日消息，国家知识产权局信息显示，中国邮政储蓄银行股份有限公司申请一项名 为"数据模型拆分方法、数据查询方法、装置及电子设备、存储介质"的专利，公开号CN119938790A， 申请日期为2025年1月。 专利摘要显示，本申请公开了一种数据模型拆分方法、数据查询方法、装置及电子设备、存储介质，方 法为根据预设数据模型，确定标识字段，所述标识字段用以表征终态数据与非终态数据；根据所述标识 字段，将保存历史数据的当前数据表划分为存储终态数据的第二数据表和储存非终态数据的第三数据 表，所述第二数据表与所述第三数据表中的字段相同；将当前最新的全量数据存储至第一数据表中，划 分所述第一数据表中的数据，并分配到所述第二数据表和所述第三数据表，所述第一数据表与所 ...

Group 1: Core Activities and Promotions - The "Let Beauty Happen" campaign by Postal Savings Bank of China aims to enhance service experience and provide diverse financial solutions starting from May 10 [2] - The campaign includes themed activities around debit cards, credit cards, mobile banking, digital RMB, and small loans to meet varied customer needs [2] - Customers can enjoy exclusive discounts, limited-time gifts, and thoughtful services during the campaign [2] Group 2: Customized Services - Postal Savings Bank offers customized debit cards that allow customers to print personal images, enhancing the payment experience [3] - The Mastercard debit card provides convenient and favorable cross-border payment experiences, with partnerships established with over 100,000 merchants in more than 50 countries [4] Group 3: Debit Card Promotions - The bank has launched a "First Binding Discount" campaign for debit card users, covering popular platforms like Douyin, JD.com, Pinduoduo, and Qunar [6][7] - Customers can enjoy a 5 yuan discount for their first binding on any of the mentioned platforms, applicable to various online payment scenarios [7] Group 4: Salary Card Services - The bank has introduced the "Salary Enjoy Series" of exclusive financial products for salary clients, including high-yield fixed deposits and flexible wealth management options [9][10] - The exclusive fixed deposit offers a maximum annual interest rate of 1.5%, ensuring capital protection [9] Group 5: Investment Products - Postal Savings Bank offers "Postal Gold" products with quality assurance and competitive pricing, catering to various investment and gifting needs [12] - The investment gold bars are priced at the base gold price plus 15 yuan per gram, with jewelry priced at a premium of 100-110 yuan per gram [12] Group 6: Fund Distribution Services - The bank's fund distribution service has improved, offering a wide range of fund products with low fees and quick transaction times [14] - The buying fee rate can be as low as 10%, and redemption for public funds is processed within one day [14] Group 7: Credit Services - The "Postal Enjoy Score" credit assessment system provides personalized financial benefits and service upgrades based on multi-dimensional credit evaluations [15] - Customers participating in the score assessment can receive loan rate discount coupons and enter surprise gift draws [16] Group 8: Digital Currency and Mobile Banking - Postal Savings Bank's digital RMB wallet offers discounts for retail purchases in pilot areas, enhancing the consumer experience [20] - The bank's mobile banking app has been upgraded to version 10.0, focusing on personalized and intelligent financial services [22] Group 9: Small Loan Services - The bank provides small loan services tailored for farmers, individual business owners, and small enterprises, with credit loans up to 3 million yuan and mortgage loans up to 10 million yuan [23] - The loan products are designed to meet customer needs with flexible repayment options [23]

数字化、绿色化、智能化已成为中国邮政新质生产力的核心。 这些元素不仅重塑了中国邮政，增强了其服务社会经济的能 力，还不断释放"邮政效应"。 作者：张远 封图：图片资料室 2025年2月，中国邮政EMS完成了DeepSeek-R1大模型私有化部署，通过基于大模型的智能化应用，多个场景服务能力将得到显著提高，部分场景效率 将提升33%左右。 此时，距离DeepSeek-R1大模型的正式发布，尚不足一个月。 能够快速完成大模型的私有化部署和场景应用落地离不开充足的准备工作。2024年，中国邮政EMS即开始积极探索适合自身的大模型应用路径。 2024年，中国邮政开始加速数智化建设，并紧紧围绕"以数智化解决关键特定问题"这个目标加速培育新质生产力。从仅需一位工作人员就能高效运转 的深圳深南中邮政支局到北京邮储银行网点中"让金融服务没有距离"的云柜服务，新质生产力的不断培育正在改变这家历史悠久的大型集团的样貌。 如今，数字化、绿色化、智能化已成为中国邮政新质生产力的核心。这些元素不仅重塑了中国邮政，增强了其服务社会经济的能力，还不断释放所谓 的"邮政效应"。 "邮政效应"是中国邮政作为一家"特殊"企业的独特效应。一方面， ...

Core Viewpoint - The banking sector is experiencing a resurgence, with significant stock price increases and a strong performance in 2024, leading to historical highs for several banks [1][2][3]. Group 1: Stock Performance - As of May 9, the banking sector rose by 1.46%, with a year-to-date increase of nearly 7%, outperforming other industry sectors [1][2]. - Among 42 bank stocks, 24 showed varying degrees of increase, with Qingdao Bank leading at a 3.4% rise, reaching a closing price of 4.86 yuan per share [2]. - The banking index has increased by 6.95% this year, making it the top performer among 30 sectors, with a cumulative rise of 43% in 2024, surpassing the CSI 300 index by 28 percentage points [2][3]. Group 2: Earnings and Financial Metrics - In Q1 2025, listed banks reported a 1.7% year-on-year decline in total operating income and a 1.2% drop in net profit attributable to shareholders, primarily due to reduced non-interest income and weakened profit smoothing [4]. - The net interest margin decreased by 13 basis points to 1.43%, with expectations of a slight narrowing of the decline to 10-15 basis points for the year [4]. - Total assets of listed banks grew by 7.5% year-on-year, indicating a return to normal growth levels, with city commercial banks maintaining higher growth rates [4]. Group 3: Dividend Trends - The banking sector is entering a dividend season, with total disclosed dividends for 2024 amounting to 616.13 billion yuan, of which the six major banks accounted for over 70% [6][7]. - Industrial and Commercial Bank of China led with a dividend of 109.77 billion yuan, followed by China Construction Bank with 100.75 billion yuan [7]. - Analysts highlight the importance of sustainable dividend policies, emphasizing that increasing dividend frequency can enhance investor confidence and stabilize stock prices [8].

Core Viewpoint - The integration of technology and finance is becoming a strong engine for empowering the real economy, with a focus on providing comprehensive financial services to technology-based enterprises throughout their lifecycle [1][3]. Group 1: Policy and Strategic Initiatives - The National Financial Regulatory Administration, Ministry of Science and Technology, and National Development and Reform Commission jointly released a plan to enhance the high-quality development of technology finance, addressing pain points in financial support for technological innovation [1]. - The plan emphasizes the construction of service mechanisms, innovation in product systems, and the enhancement of professional and risk control capabilities to support key areas and technology enterprises [1]. Group 2: Implementation by Postal Savings Bank - The Postal Savings Bank's Yunnan branch is implementing a strategy to optimize resource allocation and enhance service quality for technology enterprises, aiming to provide comprehensive financial services [3][4]. - The bank is utilizing a "look to the future" technology system, leveraging big data and AI to assess the technological competitiveness and long-term growth potential of enterprises, thereby customizing credit loan solutions [3][4]. Group 3: Financial Performance and Impact - In the first quarter, the Yunnan branch reported a net increase of nearly 150 million yuan in technology finance loans, with a year-on-year growth rate exceeding 200% [5]. - The bank's efforts in deepening cooperation with government departments and focusing on policy guidance have helped alleviate financing difficulties for technology enterprises, positioning itself as a financial engine for regional technology enterprise development [5].

2025年2月，中国邮政EMS完成了DeepSeek-R1大模型私有化部署，通过基于大模型的智能化应用，多个 场景服务能力将得到显著提高，部分场景效率将提升33%左右。 此时，距离DeepSeek-R1大模型的正式发布，尚不足一个月。 能够快速完成大模型的私有化部署和场景应用落地离不开充足的准备工作。2024年，中国邮政EMS即开 始积极探索适合自身的大模型应用路径。 2024年，中国邮政开始加速数智化建设，并紧紧围绕"以数智化解决关键特定问题"这个目标加速培育新 质生产力。从仅需一位工作人员就能高效运转的深圳深南中邮政支局到北京邮储银行网点中"让金融服务 没有距离"的云柜服务，新质生产力的不断培育正在改变这家历史悠久的大型集团的样貌。 如今，数字化、绿色化、智能化已成为中国邮政新质生产力的核心。这些元素不仅重塑了中国邮政，增 强了其服务社会经济的能力，还不断释放所谓的"邮政效应"。 "邮政效应"是中国邮政作为一家"特殊"企业的独特效应。一方面，这家企业拥有邮政、寄递、金融、电 商等多板块业务，是产融结合、"四流合一"的现代大型集团，在经济运行中扮演重要角色。另一方面， 中国邮政的业务不仅有极强的社会服务性， ...

Core Viewpoint - The 27th China Beijing International Science and Technology Industry Expo showcases the integration of financial technology and traditional banking services, highlighting Postal Savings Bank of China's innovative practices and products in the financial technology sector [1][10]. Group 1: Exhibition Highlights - Postal Savings Bank of Beijing's exhibition theme is "Financial Technology Empowering the Development of Science and Technology Finance," featuring advanced technologies and innovative practices [1]. - The exhibition area is designed with a "Samsung Surround" architectural style, symbolizing the concepts of "innovation, openness, and sharing," and showcases the bank's "five major articles" in finance [3]. - Interactive technology projects, such as personalized laser engraving and digital human interaction, provide immersive experiences for visitors, demonstrating the bank's innovative financial products [4]. Group 2: Product Innovations - The "Easy Enterprise" platform offers a comprehensive suite of services for small and medium-sized enterprises, integrating financial services into core operational areas like tax management and payroll [6]. - Various financial products, including Uyi Chuang, Small Micro Easy Loan, and Quick Loan, cater to the diverse needs of technology enterprises, providing flexible financing options [7]. Group 3: Social Responsibility and Financial Ecosystem - The bank actively promotes digital finance, green finance, inclusive finance, and pension finance, aiming to build a diverse and inclusive financial ecosystem [8]. - The green loan balance reached 76.091 billion yuan, with a year-on-year growth of 17.48%, and green financing accounted for 41.99% of total loans [9]. - The bank's initiatives in inclusive finance include tailored financial services for small enterprises and the establishment of "Golden Sunshine" service platforms for elderly clients [10][11]. Group 4: Future Directions - Postal Savings Bank of Beijing aims to continue deepening the integration of technology and finance, optimizing service models, and driving innovation to support high-quality development in the financial sector and the real economy [10].