近日，邮储银行海安市墩头支行立足乡镇网点老年客群占比较高的实际情况，主动作为，精准施策，集中开展了一系列以暖心服务助力银发经济的专项行 动。通过优化网点设施、筑牢反诈防线、延伸服务触角，为广大老年群体构建起一个有温度、有深度、有保障的金融服务生态环境，以实际行动诠释了国有 大行的责任与担当。 优化网点环境，打造适老服务"温馨港湾" 为给老年客户提供更加舒适、便捷的金融服务体验，邮储银行海安市墩头支行将网点适老化改造作为提升服务质量的"先手棋"。网点全面优化厅堂布局，增 设了无障碍通道，确保行动不便的客户能够顺畅出入；在等候区添置了舒适的"爱心座椅"，让老年客户坐得安稳、等得舒心。此外，网点内还配备了急救 箱、老花镜、放大镜等便民设施，并专门开辟了"银发服务专区"，老年客户在查阅业务资料、填写各类单据时，可以随时取用，有效解决了因视力不佳带来 的困扰。 语言是沟通的桥梁，更是传递关怀的纽带。考虑到当地老年客户多习惯使用方言交流，该支行在柜面服务中采取"普通话+方言"的双语服务模式。工作人员 在标准普通话服务的基础上，能够熟练切换至地方方言，用亲切的乡音与老年客户交流，耐心解答他们的疑问。这种接地气的服务方式，不 ...

Core Insights - Postal Savings Bank of China (PSBC) in Rudong County has reported a significant increase in small business loans, exceeding 200 million yuan as of February 10, 2026, indicating stable growth and high-quality development in this sector [1][2] Group 1: Business Strategy - The bank recognizes that serving small and micro enterprises is fundamental to its mission and has set clear goals for the year, breaking down tasks into actionable plans with a defined timeline and roadmap [1] - PSBC has implemented a collaborative service mechanism, extending its outreach to government departments, local communities, and industrial parks to enhance service delivery [1] Group 2: Service Efficiency - The bank has optimized its credit processes to provide "express" financial services, allowing for a one-month acceleration in loan disbursement for existing quality clients through pre-approval strategies [2] - For new clients, a dedicated follow-up mechanism has been established to streamline the loan process, ensuring that quality projects receive timely funding [2] Group 3: Commitment to Economic Development - PSBC is committed to translating national policies aimed at supporting enterprises into actionable services, effectively channeling financial resources to the grassroots level of small and micro businesses [2] - The bank aims to continuously innovate its service models and enhance service quality to contribute to the high-quality economic development of Rudong County [2]

Core Viewpoint - The People's Bank of China and the National Financial Regulatory Administration have conducted the 2025 assessment of systemically important banks, identifying 21 domestic banks categorized into five groups based on their systemic importance scores [1] Group 1: Assessment of Systemically Important Banks - A total of 21 domestic systemically important banks have been recognized, including 6 state-owned commercial banks, 10 joint-stock commercial banks, and 5 city commercial banks [1] - The banks are divided into five groups based on their systemic importance scores, with the first group consisting of 11 banks, the second group having 4 banks, the third group with 2 banks, the fourth group containing 4 banks, and the fifth group having no banks [1] Group 2: Breakdown of Bank Groups - The first group includes: China Minsheng Bank, China Everbright Bank, Ping An Bank, Huaxia Bank, Ningbo Bank, Jiangsu Bank, Beijing Bank, Nanjing Bank, Guangfa Bank, Zheshang Bank, and Shanghai Bank [1] - The second group consists of: Industrial Bank, China CITIC Bank, Shanghai Pudong Development Bank, and China Postal Savings Bank [1] - The third group includes: Bank of Communications and China Merchants Bank [1] - The fourth group comprises: Industrial and Commercial Bank of China, Bank of China, China Construction Bank, and Agricultural Bank of China [1] - The fifth group currently has no banks included [1] Group 3: Future Regulatory Actions - The People's Bank of China and the National Financial Regulatory Administration will implement additional regulatory measures for systemically important banks according to the "Regulations on Additional Supervision of Systemically Important Banks (Trial)" [1] - The aim is to enhance the synergy between macro-prudential management and micro-prudential supervision, ensuring the safe and sound operation of systemically important banks [1] - This initiative is intended to better support the high-quality development of the real economy [1]

Core Viewpoint - A 68-year-old woman mistakenly signed a 5-year life insurance policy instead of a high-interest deposit at Postal Savings Bank, leading to a complaint from her family regarding misleading sales practices [1] Summary by Categories Incident Details - The elderly woman believed she was opening a high-interest deposit account, but instead, she signed a life insurance policy requiring annual payments of 10,000 yuan [1] - The family claims that the policy information, including annual income and physical details, was inaccurate and that there were suspicions of signature forgery [1] Bank's Response - Postal Savings Bank stated that the sales process was recorded and that the customer was informed it was an insurance product, asserting that the signature was genuine and the process was compliant [1] - The bank has agreed to refund the full amount of over 30,000 yuan paid in premiums and convert it into a fixed deposit [1] Regulatory and Compliance Issues - There are unresolved questions regarding the accuracy of the policy information and whether the bank fulfilled regulatory requirements for follow-up calls [1]

经济观察网 近期邮储银行热点事件集中于高管变动及行业政策。 近期事件 2026年2月13日，邮储银行公告显示，芦苇正式就任该行行长及执行董事，其任职资格获国家金融监督 管理总局核准，自当日起生效。同期，银行业监管数据发布，2025年商业银行净利润同比增长2%，其 中大行净利润同比增2%，净息差稳定在1.42%，行业资产质量整体平稳。此外，2026年1月个人消费贷 款新政落地，邮储银行"邮享贷"年化利率区间为3.1%-12.4%，与国有大行统一执行监管下限。 股票近期走势 近一周邮储银行A股股价波动明显。2026年2月13日收盘价5.07元，单日跌幅0.78%，成交额5.64亿元；2 月12日收盘价5.11元，跌幅1.54%。区间累计跌2.31%，振幅2.70%。资金流向显示，2月13日主力净流出 3814.74万元，散户资金呈净流入态势。港股方面，截至2月16日收盘价5.11港元，微涨0.39%。 机构观点 机构对邮储银行维持中性展望。截至2026年2月19日，综合目标价为6.63元，较最新价潜在上涨空间 31.03%。盈利预测方面，39家机构预计2025年净利润同比增长15.26%，2026年增速放缓至4. ...

Core Insights - The Chinese mobile banking market is entering a stage of stock competition in 2025, with monthly active users (MAU) stabilizing between 648 million and 739 million [2] - State-owned commercial banks dominate the market due to their ecological embedding advantages, with Agricultural Bank of China leading at 249 million MAU, followed by Industrial and Commercial Bank of China (194 million) and China Construction Bank (109 million) [2] - Private banks are expected to collectively exit the top 50 MAU rankings in 2025 due to a lack of offline branch support and local living ecosystems [2] Group 1: Major Players - Agricultural Bank of China has the highest MAU at 249 million, followed by Industrial and Commercial Bank of China with 194 million and China Construction Bank with 109 million, forming the first tier of banks [2] - China Bank and Postal Savings Bank have MAUs exceeding 50 million, constituting the second tier [2] - China Merchants Bank leads the joint-stock banks with 71.85 million MAU, while Ping An Bank and CITIC Bank form the second tier, with other joint-stock banks generally below 20 million MAU [2] Group 2: Market Dynamics - The core advantage of state-owned banks lies in their "full-scenario integration" capabilities, embedding services deeply into high-frequency life scenarios such as government affairs, social security, healthcare, and education [2] - Agricultural Bank of China extends its services to rural areas through intelligent service matching and customer customization, while Industrial and Commercial Bank of China utilizes its "Gong Xiao Zhi" model for interactive service [2] - Regional banks like Jiangsu Bank, Beijing Bank, and Ningbo Bank show stable performance by focusing on local markets, with some rural commercial banks like Fujian Rural Credit exceeding 4.5 million MAU, indicating the sustainability of localized operations in the stock market [2]

Core Viewpoint - The appointment of Lu Wei as the new president of Postal Savings Bank marks a significant shift in the leadership dynamics of state-owned banks in China, as he is the first leader to transition directly from a joint-stock bank, breaking the traditional internal promotion or external appointment model [2] Group 1: Appointment Significance - Lu Wei's appointment is a groundbreaking attempt to bridge the talent flow between state-owned banks and joint-stock banks, which has historically faced "invisible barriers" [2] - His career trajectory reflects a strong background in the "CITIC system," having risen through the ranks of CITIC Bank and later serving as chairman of CITIC Trust, showcasing his management capabilities and adaptability [2][3] Group 2: Qualifications and Challenges - Lu Wei's international background and professional qualifications, including a master's degree in accounting from Deakin University and CPA certifications from China, Hong Kong, and Australia, are seen as key factors in his selection, especially as Postal Savings Bank pushes for retail transformation and international expansion [3] - The bank faces challenges such as narrowing interest margins and asset quality pressures, with a non-performing loan ratio of 0.94% as of September 2025, while net profit growth has slowed to 0.98% [3] Group 3: Transformation and Strategy - Postal Savings Bank, known for its "inclusive finance" label, has a vast network of nearly 40,000 outlets, which presents both an advantage and higher operational costs; its asset scale reached 18.61 trillion yuan with an 8.9% year-on-year growth, but revenue growth was only 1.82% [4] - Lu Wei's management team will need to align with his strategic direction, particularly in technology and customer management, raising questions about the potential introduction of market-oriented incentive mechanisms [4] Group 4: Industry Implications - This personnel adjustment signals a diminishing "gatekeeping" mentality in the selection of senior executives at state-owned banks, emphasizing professional competence and cross-institutional experience [5] - Lu Wei's appointment presents both opportunities and challenges for Postal Savings Bank, as he must balance the bank's policy-driven mission with market demands, potentially setting a new paradigm for executive selection in other state-owned banks [5]

Group 1 - The core point of the article highlights that China Postal Savings Bank Co., Ltd. has applied for a patent related to a method, device, and electronic equipment for updating based on daily batch non-perceptible data, with the patent publication number CN121524192A and an application date of November 2025 [1] - The patent aims to address issues in existing technology regarding the difficulty of ensuring transaction continuity and non-perceptible updates during data synchronization [1] Group 2 - China Postal Savings Bank Co., Ltd. was established in 2007 and is located in Beijing, primarily engaged in monetary financial services [2] - The company has a registered capital of approximately 9.92 billion RMB [2] - The bank has made investments in 7 enterprises, participated in 5000 bidding projects, and holds 1213 trademark records and 1023 patent records, along with 99 administrative licenses [2]

Core Insights - Postal Savings Bank of China (PSBC) is focusing on expanding inclusive small loans to support local businesses, particularly in the agricultural and seafood markets, thereby promoting the development of the real economy [1][3][4] Group 1: Business Impact - PSBC's Taiyuan branch has effectively addressed the funding challenges faced by small merchants in the Wulongkou Seafood Market, which is a key distribution center for fresh produce [1][3] - The bank has simplified its loan approval process and improved disbursement efficiency, allowing funds to reach businesses quickly [1][3] Group 2: Success Stories - A merchant named Yao Qihu, who has been in the garlic and ginger wholesale business since 2000, increased his annual sales from 10 million to 50 million yuan after receiving loans totaling 2.57 million yuan from PSBC [3] - Wang Wentao, a fruit wholesaler, plans to apply for a loan of 1 to 2 million yuan, benefiting from the bank's efficient service and agricultural subsidy policies [3] - Li Shengmei, who has been in the seafood industry for over 20 years, received a credit line of 1 million yuan from PSBC, which helped expand her business [4] Group 3: Financial Services - PSBC has provided credit to 300 merchants in the Wulongkou Seafood Market, with a total credit amount of 60 million yuan, significantly alleviating their financial pressures [6] - The bank offers tailored financial service solutions, including "rent loans" and "industry loans," aligning with national policy to reduce financing costs for merchants [6] - PSBC has implemented a digital platform for online loan applications, enhancing approval efficiency and providing a comprehensive suite of financial services, including deposits and payment solutions [6]

Group 1 - The core initiative involves the launch of self-service real estate registration and inquiry devices at the China Postal Savings Bank, marking a significant step in enhancing "real estate registration + finance" services in Haidian District [1] - This initiative is part of Beijing's broader strategy to extend self-service real estate services to financial institutions, aiming to create a "15-minute real estate registration service circle" for residents [1][2] - The project reflects a shift from in-person services to online self-service, with a target of over 59.13% for personal stock housing transfer registration and 75% for mortgage/de-mortgage registration to be processed online by 2025 [2] Group 2 - The self-service terminals allow residents to complete identity verification through facial recognition and access real estate registration information or print certificates directly at the bank [4] - This service is particularly beneficial for individuals involved in mortgage loans, property pledges, or second-hand housing transactions, significantly reducing the time and costs associated with obtaining necessary documents [5] - The project prioritizes information security, ensuring data encryption and controlled access, while also alleviating congestion at real estate registration offices [6] Group 3 - Following the successful implementation at the first pilot site, plans are underway to expand the deployment of self-service terminals to more eligible bank locations, enhancing the "real estate registration + finance" service model [6]