Core Insights - The article highlights the success of Postal Savings Bank of China's Shenzhen branch in providing rapid financing solutions to small and micro enterprises through its "Xiao Wei Yi Dai" product, which has significantly improved the efficiency of loan approvals and disbursements [1][2]. Group 1: Product Features - "Xiao Wei Yi Dai" offers credit limits up to 10 million yuan, tailored to meet the large financing needs of enterprises for production expansion and equipment upgrades [2]. - The product supports various collateral options, including pledges, guarantees, and credit, ensuring accessibility for enterprises regardless of their collateral status [2]. - It features a loan term of "3+3 years" with a 5-year revolving credit limit, helping businesses avoid the pressure of short-term loans [2]. Group 2: Operational Efficiency - The digital risk control system allows for "one-click application" and instant credit issuance, addressing the financing bottlenecks faced by small and micro enterprises [2]. - The process has been streamlined to enable loan disbursement within three days, significantly reducing the time and effort required compared to traditional banking methods [1][2]. - The flexibility of the product includes options for on-demand borrowing and no principal repayment during the loan term, enhancing financial agility for businesses [2]. Group 3: Future Outlook - The Shenzhen branch of Postal Savings Bank plans to continuously upgrade the "Xiao Wei Yi Dai" service capabilities to provide more efficient and flexible financial support for small and micro enterprises [2]. - The initiative aims to empower businesses in seizing orders, expanding production, and pursuing development, thereby contributing to the high-quality growth of Shenzhen's real economy [2].

Group 1 - The core viewpoint of the articles highlights the strong performance of the banking sector in the A-share market, with 39 out of 42 bank stocks rising, including Agricultural Bank of China achieving a 14-day consecutive increase, reaching a historical high [1][4] - Jiangyin Bank saw a rise of over 3%, while other banks like CITIC Bank, Zheshang Bank, and others also reported gains exceeding 2% [1][2] - The banking ETF (512800) experienced a significant inflow of funds, with a total of 5.987 billion yuan accumulated in the last 10 days, indicating strong investor interest [4][5] Group 2 - The banking sector is characterized by high dividend yields and low valuations, with the China Securities Banking Index's price-to-book ratio (PB) at 0.71, placing it in the lower range of the past decade [3][4] - The sector's defensive attributes are becoming more attractive to investors amid rising market uncertainties, presenting a potential opportunity for allocation [3][4] - Historical data suggests that the banking sector tends to perform well at the end of the year, with a 70% probability of absolute returns in November-December and an 80% probability in January [4]

"普惠贴"产品针对小微企业单笔金额小、资金需求急、办理频次高的特点，引入主动授信机制，通过大数据风控模 型，提供一站式、自助式专属票据融资服务。会上，邮储银行从三大维度系统解读"普惠贴"产品优势，精准破解小微 企业融资痛点。聚焦效率革新，依托AI与大数据技术重构授信流程，将传统2天的授信评估压缩至10分钟；打造智慧 中枢，创新推出"智能秒贴"服务，实现全程线上操作、智能定价、自动审核，最快2分钟即可完成资金到账；做好场 景兼容，通过场景化产品适配乡村振兴、绿色、专精特新等多领域小微企业。 "普惠贴"产品正式发布后，邮储银行在现场开展《智慧票据产品矩阵，助力小微企业腾飞》、《小微企业综合金融服 务方案介绍》专题分享，详解邮储银行普惠金融产品与服务方案，全方位展示普惠金融服务能力。 活动现场，来自临沂、潍坊、济宁等地的企业家代表通过现场讲述或直播连线形式，讲述企业与邮储银行的"普惠合 作"故事。客户们纷纷表示，"普惠贴"产品为公司节约了大量时间成本，提高了资金的使用效率，未来有意与邮储银 行共同探索合作新模式、新路径，开展更加综合化、全面化的合作。 金融的力量，不在于垒砌多高的资本之塔，而在于能为企业铺就多宽的发 ...

本行拟于 2025 年 10 月 30 日（星期四）在上海证券交易所网站 （www.sse.com.cn）披露本行 2025 年第三季度报告。为了便于广大 投资者更全面深入地了解本行 2025 年第三季度业绩和经营情况，本 行拟于 2025 年 10 月 30 日（星期四）18:00-19:00 召开业绩发布会， 就投资者关心的问题进行交流。 一、业绩发布会类型 本次业绩发布会将通过电话会议方式召开。 证券代码：601658 证券简称：邮储银行 公告编号：临 2025-054 中国邮政储蓄银行股份有限公司 关于召开 2025 年第三季度业绩发布会的公告 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。 重要内容提示： 中国内地：400 810 8228，中国香港：+852 3005 1355，参会密 码：427040 投资者可于 2025 年 10 月 28 日（星期二）17:00 前将相关问 题通过电子邮件的形式发送至本行邮箱：psbc.ir@psbcoa.com.cn， 或在会议召开时实时提问。 （三 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 POSTAL SAVINGS BANK OF CHINA CO., LTD. 1658 海外監管公告 關於召開2025年第三季度業績發佈會的公告 本公告乃根據《香港聯合交易所有限公司證券上市規則》第13.10(B)條作出。如下公 告已於上海證券交易所網站刊登，僅供參閱。 特此公告。 承董事會命 中國郵政儲蓄銀行股份有限公司 杜春野 聯席公司秘書 中國，北京 2025年10月22日 於本公告日期，本行董事會包括董事長及非執行董事鄭國雨先生；執行董事劉建軍先生及姚紅 女士；非執行董事韓文博先生、劉新安先生、張宣波先生、劉瑞鋼先生、胡宇霆先生、丁向明 先生及余明雄先生；獨立非執行董事溫鐵軍先生、鍾瑞明先生、潘英麗女士、唐志宏先生、洪 小源先生及楊勇先生。 * 中國郵政儲蓄銀行股份有限公司並非一家根據銀行業條例（香港法例第155章）之認可機 構，並不受限於香港金融管理局的監督，亦不獲授權在香港經營銀行及╱或接受 ...

转自：推广 邮储银行资中县支行打造"悦读驿站"客户图书角 "原来办业务还能顺便'充电'，孩子看绘本也不闹了，我也能安心办业务了。"一位带孩子办业务的钱女士表示。数据显示，图书角日均接待量稳定在10户左 右，九成受访者给出"非常满意"评价。 等候业务办理的客户在翻阅书籍 邮储银行资中县支行营业部负责人表示，下一步将持续开展"金融知识微课堂""亲子阅读日"等主题活动，持续深化"书香银行"建设，让金融服务更具人文温 度。 来源：推广 为深入践行"金融为民"服务理念，积极响应全民阅读号召，中国邮政储蓄银行资中县支行营业部于2025年10月13日正式启用"悦读驿站"客户图书角，将金融 服务与文化惠民深度融合。截至目前，图书角已累计服务客户超70户，成为网点内广受好评的"文化会客厅"，有效提升了客户等候体验与满意度。 图书角选址于银行营业大厅智能服务区与等候区交界处，与网点原有的"邮爱驿站"便民服务区形成功能互补。空间设计以"温暖、开放、共享"为核心理念， 原木色阶梯式书架搭配绿植与暖光照明，辅以布艺沙发和圆形阅读桌，营造出兼具现代感与书香气息的休闲环境。 在书籍配置上，邮储银行资中县支行营业部充分调研客户需求，推出了" ...

Core Viewpoint - Postal Savings Bank of China (PSBC) shows a mixed performance in trading and financing activities, with low financing balance and high short-selling volume, indicating potential investor caution and market dynamics [1][2]. Financing Activities - On October 21, PSBC recorded a financing buy-in of 1.09 billion yuan, with a net financing purchase of 1470.94 million yuan, while the total financing and securities lending balance reached 8.69 billion yuan [1]. - The current financing balance of 8.64 billion yuan accounts for 0.23% of the circulating market value, which is below the 20th percentile level over the past year, indicating a low financing level [1]. Short-selling Activities - On the same day, PSBC saw a short-selling repayment of 150,800 shares and a short-selling amount of 76,000 shares, amounting to 43,100 yuan at the closing price [1]. - The remaining short-selling volume stands at 936,100 shares, with a short-selling balance of 5.31 million yuan, which exceeds the 70th percentile level over the past year, indicating a relatively high short-selling position [1]. Company Overview - PSBC, established on March 6, 2007, and listed on December 10, 2019, primarily provides banking and related financial services in China, with a business structure comprising personal banking (65.15%), corporate banking (22.71%), and funding operations (12.10%) [2]. - As of June 30, 2025, PSBC reported a net profit of 49.23 billion yuan, reflecting a year-on-year growth of 0.85% [2]. Shareholder Information - Since its A-share listing, PSBC has distributed a total of 137.80 billion yuan in dividends, with 77.40 billion yuan distributed over the past three years [3]. - As of June 30, 2025, the top ten circulating shareholders include Hong Kong Central Clearing Limited, which holds 942 million shares, an increase of 60.83 million shares from the previous period [3].

Core Viewpoint - Insurance capital is actively increasing its holdings in bank stocks, driven by high dividend yields and stable returns, particularly in a low-interest-rate environment [1][3][4]. Group 1: Recent Activities of Insurance Capital - On October 10, Ping An Life increased its holdings in China Merchants Bank H-shares by 2.989 million shares, raising its total to 781 million shares, which accounts for 17% of the bank's H-shares [1]. - On the same day, Ping An purchased 6.416 million shares of Postal Savings Bank, bringing its total holdings to 17.01% [1]. - As of September 30, Ping An Life had acquired 39.634 million shares of Agricultural Bank H-shares, increasing its stake to 17.03%, with total holdings across its subsidiaries exceeding 19% [2]. Group 2: Reasons for Increased Investment in Bank Stocks - The high dividend yields and stable returns of bank stocks make them an ideal choice for insurance capital, especially in a declining interest rate environment [3]. - Regulatory encouragement for insurance capital to enter the market and new accounting standards promoting high-dividend asset allocation are also driving this trend [3]. - Current valuations of bank stocks are at historical lows, providing a favorable investment opportunity with cyclical resilience and policy support [3]. Group 3: Growth in Equity Allocation by Insurance Capital - A joint initiative by six departments aims to guide long-term funds, including insurance capital, to increase their market participation [4]. - As of the second quarter of 2025, the total investment balance of insurance companies exceeded 36 trillion yuan, with stock investments rising by 26.38% year-on-year [4]. - The five major listed insurance companies reported a total stock investment balance of 1.8 trillion yuan by mid-2025, reflecting an increase of over 400 billion yuan from the previous year [4]. Group 4: Market Outlook and Challenges - Insurance capital is expected to benefit from equity investments, enhancing investment returns and optimizing portfolio performance [5]. - However, challenges include the inherent volatility of the stock market, necessitating improved risk management and investment proportion control [5]. - Increased instances of insurance capital acquiring stakes may lead to market discussions regarding their impact [5].

Core Insights - The introduction of the "Fishing Boat Loan" by Postal Savings Bank in Tianjin has significantly improved the financial situation of local fishermen, enabling them to purchase new boats and equipment, thus enhancing their operational capacity [1][2][3]. Group 1: Financial Needs of Fishermen - Fishermen in Tianjin's Binhai New Area primarily require funds for three main purposes: purchasing new boats, acquiring fishing nets, and repairing existing boats [2]. - The cost of small wooden boats is approximately 600,000 yuan, while larger boats can cost nearly 4 million yuan [2]. - Many fishermen face challenges in obtaining bank credit due to insufficient cash flow records, as fishing transactions are often conducted in cash [2]. Group 2: "Fishing Boat Loan" Product Features - The "Fishing Boat Loan" allows fishermen to apply for credit loans under 1 million yuan for operational expenses, while larger loans for boat purchases can reach up to 10 million yuan [3]. - The loan application process has been simplified, requiring only four certificates (inspection certificate, ownership certificate, fishing license, and ship registration certificate) and allowing applications even during the fishing moratorium [3]. - The bank has implemented an online pre-approval and assessment process, enabling fishermen to submit applications via mobile devices, with approvals completed in as little as one week [3]. Group 3: Impact on Fishermen's Operations - Fishermen like Xue Shulai have reported significant increases in daily earnings, with potential sales exceeding 30,000 yuan per day from their fishing activities [3]. - The financial support from the "Fishing Boat Loan" has allowed fishermen to operate with greater confidence, reducing concerns about maintenance and new purchases [4][5]. - The bank is also working to enhance financial literacy among fishermen and facilitate connections with local businesses to expand their market reach [3].

Group 1 - The core viewpoint is that Hong Kong bank stocks are experiencing a bullish trend, with Agricultural Bank of China reaching a new historical high and achieving a 10-day consecutive rise [1] - Morgan Stanley anticipates that after a seasonal adjustment in Q3, there will be good investment opportunities in Q4 and Q1 of the following year for domestic bank stocks [1] - Factors supporting the revaluation of Chinese banking stocks include upcoming dividend distributions, stabilized interest rates, a 500 billion RMB structural financial policy tool, and a more sustainable policy path [1] Group 2 - Agricultural Bank of China saw an increase of 1.04%, reaching a latest price of 5.820 [2] - Other banks also recorded gains, including Chongqing Bank (+0.91%), Zhengzhou Bank (+0.78%), and Zhejiang Bank (+0.77%) [2] - The overall trend indicates a positive performance across various banks, with notable increases in share prices for several institutions [2]