Core Insights - The active participation of bank wealth management in IPOs, particularly in technology companies and the Sci-Tech Innovation Board, is driven by supportive policies and the need for enhanced returns [1][3][4] Group 1: Bank Wealth Management Participation - In 2023, bank wealth management products have increasingly engaged in IPOs, with a total of 117 allocations and funding amounting to 16.57 million yuan by major firms [2] - The easing of regulations has allowed bank wealth management to participate as A-class investors in offline IPOs, enhancing their ability to generate returns in a low-interest-rate environment [3][4] - The strategic value of participating in Hong Kong IPOs is recognized, as the "A+H" dual listing model becomes more common, attracting wealth management firms to invest in quality enterprises [2][3] Group 2: Focus on Sci-Tech Companies - Over half of the IPOs that wealth management companies participated in this year were from the Sci-Tech Innovation Board or the Growth Enterprise Market, particularly in sectors like semiconductors and biomedicine [4] - The strong initial performance of new stocks in the Sci-Tech sector and their alignment with national strategic goals make them attractive to market funds [4][5] - Wealth management funds are seen as "patient capital" supporting the development of Sci-Tech enterprises, which aligns with the broader goal of financial support for the real economy [4][5] Group 3: Multi-Strategy Approach - The future of the IPO market is expected to remain vibrant, with wealth management companies encouraged to utilize various strategies such as "fixed income plus," quantitative methods, and alternative assets to enhance returns [6][7] - Wealth management firms are advised to focus on "hard technology" sectors supported by national strategies, improving their pricing and selection capabilities for new stocks [7] - Collaboration with external institutions for investment and advisory services is recommended to leverage professional research advantages and create competitive products [7]

Core Insights - The 20th Central Committee emphasizes the importance of expanding domestic demand as a strategic foundation, integrating consumer welfare and investment in goods and people to stimulate new supply and demand interactions [2] Group 1: Financial Services and Consumer Focus - Postal Savings Bank of China Anhui Branch is actively implementing national policies by focusing on enhancing financial services in key consumer areas such as culture, tourism, and elderly care, significantly increasing credit resources in these sectors [3] - The bank has provided over 6.3 billion yuan in credit for 26 cultural and tourism projects, with nearly 2.4 billion yuan in loans disbursed, achieving over 50% credit coverage for national 5A tourist attractions [3] - In the elderly care sector, the bank has innovated business models and provided 1.1 billion yuan in credit for eight elderly care projects, supporting service capacity improvements in various counties [3] Group 2: Stimulating Consumer Spending - The bank has implemented fiscal interest subsidy policies to enhance consumer willingness, resulting in a 26% year-on-year increase in personal consumption loan applications and a nearly 40% increase in credit amounts since the policy's implementation [4] - Various promotional activities have been launched in collaboration with platforms like WeChat and Alipay to enhance consumer experiences in travel, dining, e-commerce, and entertainment [5] Group 3: Supporting Industrial Upgrades - The bank is committed to supporting the revitalization of local industries by providing tailored credit solutions and collaborating with agricultural departments to facilitate the growth of green food and specialty industries [6] - New credit products such as "Sci-Tech e-loans" and "Intellectual Property Pledge Loans" have been introduced to assist small and micro enterprises in overcoming financing challenges [6] - The bank aims to align its services with national strategies, including the integration of the Yangtze River Delta and rural revitalization, to enhance financial service quality and efficiency [6]

【深圳商报讯】（首席记者 谢惠茜）近期，包括建设银行、民生银行、邮储银行、中信银行在内的多 家银行纷纷上调部分代销公募基金产品风险等级。 在建设银行最新发布的《关于调整部分代销公募基金产品风险等级的公告》中表示，本次调整主要 是"根据《证券期货投资者适当性管理办法》（证监会令第130号）、《基金募集机构投资者适当性管理 实施指引（试行）》、《商业银行代理销售业务管理办法》等规定要求，为切实履行适当性义务，保护 投资者权益，我行遵循公募基金产品风险等级评定孰高原则，并持续开展产品风险等级动态评估工 作。" 具体来看，建设银行本次共调整87款公募基金产品，其中32款产品由R2（中低风险）调整至R3（中风 险）；55款产品由R3（中风险）上调至R4（中高风险）。 除此之外，邮储银行、中信银行等银行也调整了部分代销基金的风险评级。尤其是中信银行，近期已是 年内第四次对代销产品风险评级进行调整。在此之前，今年5月9日、6月23日以及9月16日，该行均发布 过关于调整部分代销资产管理产品风险评级的相关公告。 "多家银行上调代销基金风险等级，是强化投资者适当性管理的主动行为，并不意味着公募基金市场整 体风险必然全面上升。上 ...

截至目前，邮储银行上饶市分行已为仙山岭超50户茶农累计授信超2000万元，这一笔又一笔的金融活水 让老旧厂房升级为标准化车间，为手工制茶增添了智能化设备，将分散的小茶园整合为规模化基地，曾 经"藏在深闺"的仙山岭红茶，通过电商平台、线下经销商走向更广阔的市场。 据了解，仙山岭的红茶产业发展是铅山县茶文化的一个缩影，也是上饶市茶产业蓬勃发展的鲜活例证。 从仙山岭到整个武夷山镇，从单一的红茶种植到茶旅融合发展，邮储银行上饶市分行的金融服务从未停 歇。 该市分行负责人表示，未来将持续深化普惠金融理念，进一步优化"产业贷""极速贷""农牧贷"等产品体 系，扩大授信覆盖范围，将金融服务延伸至茶叶包装、品牌打造、乡村旅游等上下游全产业链，让更多 茶农、茶企享受到便捷、高效的金融支持，以金融力量助推茶乡振兴，让茶马古道的千年文脉在新时代 绽放更加璀璨的光彩。 （通讯员祝美玲对本文亦有贡献） ■本报记者 郑长灵 驱车前往江西省铅山县武夷山镇仙山岭，海拔千米的山间云雾氤氲，千亩茶园绿意葱茏，镌刻"茶马古 道"的青石碑静静伫立，见证着这座"闽赣茶路第一站"的千年茶韵。如今，在邮储银行上饶市分行的金 融助力下，当地茶农借助"极速贷 ...

福建强纶新材料股份有限公司（以下简称"强纶新材料"）的金属纤维生产线上，一根根钢丝在机器的牵 引下，被拉伸成纤细柔软的纤维。 ■本报记者 郑长灵 "创新积分制是一项由国家层面推动、旨在精准识别和赋能科技型企业的重要政策创新。"邮储银行龙岩 市分行副行长谢忠勤对记者表示，在龙岩高新区管理委员会的支持下，在人民银行龙岩市分行的指导 下，该分行高度重视，积极落实相关要求，将创新积分制作为金融支持科创企业的重要抓手，全力推动 其在龙岩地区的落地实施。 "依托创新积分制，将高新园区企业积分数据纳入信审模型，作为评级授信、额度测算的关键参考。通 过'以分换金'的差异化支持策略，我们为积分排名靠前的企业开通绿色审批通道，实现信审效率与风险 控制的精准平衡。"谢忠勤表示，自2024年12月份邮储银行龙岩市分行下辖新罗区支行与龙岩高新区科 技发展局签署科技金融服务战略合作协议以来，该分行推出了一项创新举措，让"数据多跑路、企业少 跑腿"，彻底打破传统信贷对抵押物的依赖，实现"秒批级"响应。 福建省福舫科技集团有限公司（以下简称"福舫科技"），是一家专注于数字孪生技术研发与应用的高科 技企业，数年前邮储银行龙岩市分行就结合该企业 ...

■本报记者 王磊 邮储银行运城市分行在借助科技手段提升服务效率的同时，通过暖心举措拓展服务边界，让金融服务 从"柜台"延伸至"田间"，既解决了农户的资金需求，又拉近了与农户的距离。 针对农业生产资金需求"短、频、急"的特点，该分行打造了"线上+线下"双线服务体系。线上推广"极速 贷"，实现3分钟申请、10分钟审批的智能化放款，农户"手机点一点，资金当天到账"；线下组建专业服 务团队，常态化深入一线，走进田间地头、收储站点和加工厂房，利用移动展业设备现场办理业务。在 夏粮、秋粮收购关键时期，专门开通"绿色审批通道"，实行"优先受理、优先审批、优先放款"机制，确 保资金与农时同步。 金融服务不止于放贷，更要筑牢乡村金融安全防线。该分行在部分乡村开设"田间地头流动课堂"，为农 户讲解涉农贷款申请流程，通过真实案例揭露"假农资贷"等诈骗手段，并发放"助农金融明白纸"方便农 户随时查阅。 从粮食产业到特色种植，从线上放贷到田间宣讲，邮储银行运城市分行以精准的金融产品、高效的服务 模式、暖心的帮扶举措，持续为乡村振兴注入动力。未来，该分行将继续坚守服务"三农"初心，深化政 银合作，优化金融供给，让金融活水持续浸润运城乡村 ...

Core Insights - The credit card market in China is experiencing a significant contraction, with a total issuance of 707 million cards as of Q3 2025, down from 715 million in Q2 2025 and a peak of 807 million in Q3 2022, marking a decline of approximately 100 million cards over three years [2][3] - The non-performing loan (NPL) rate for credit cards has risen to 2.40% as of mid-2025, indicating increasing pressure on asset quality within the banking sector [5][6] Credit Card Issuance Trends - The total number of credit cards has been on a downward trend for 12 consecutive quarters, with a notable reduction of 800 million cards in Q3 2025 compared to the previous quarter [2] - Major banks have reported a significant decrease in credit card loan balances, with a reduction of nearly 600 billion yuan in the first half of 2025 compared to the end of 2024 [3] - Credit card transaction volumes have also declined, with an overall decrease of approximately 8% year-on-year, particularly affecting banks like China Merchants Bank and Bank of Communications [3] Factors Influencing Market Contraction - The contraction in the credit card market is attributed to multiple factors, including regulatory policies that encourage banks to move away from aggressive card issuance and the rise of mobile payments and internet credit tools that are replacing traditional credit card usage [4] - Banks are shifting their focus from merely expanding card issuance to more refined management and risk control strategies [4] Asset Quality Concerns - The total amount of overdue credit card loans has increased from 842.85 billion yuan in Q2 2022 to 1,239.64 billion yuan by the end of 2024, indicating a growing concern over asset quality [5] - The average NPL rate for credit card overdrafts among 12 domestic banks has risen from 2.33% at the end of 2024 to 2.40% by mid-2025, with specific banks like ICBC and CCB reporting even higher rates [5] Risk Management and Asset Disposal - In response to rising NPLs, banks are accelerating the disposal of non-performing assets, with over 260 billion yuan in personal loan asset packages being transferred in November alone [6] - Notable cases include large asset packages from banks like Minsheng Bank and SPDB, indicating a proactive approach to managing credit risk [6] Operational Adjustments in Banking - Banks are implementing cost-cutting measures, including the closure of credit card centers and integrating credit card operations into broader retail banking strategies [7] - The future of credit card services is expected to focus on providing safer and more value-added financial services rather than merely promoting overspending [7] - The competitive landscape is likely to favor larger banks with strong risk management capabilities, while smaller banks will need to find ways to attract and retain customers without compromising on risk [7]

在金融数字化加速推进的当下，邮储银行青岛分行既紧跟行业浪潮优化线上服务，更始终守护金融服务 的人文本真，以"心"对接民生需求，让技术便捷与服务温度相得益彰，让金融服务不仅传递资金价值， 更传递民生暖意。 转自：新华财经 邮储银行青岛分行以"优化支付服务"为抓手，将便民举措落到实处。今年以来，该行累计投放7968 个"邮爱零钱包"，供应小面额现金1754万元，把便利融入市民日常。"这么冷的天，你们还特意把零钱 包送过来，真是太感谢了。"市北区一处农贸市场内，商户李先生接过零钱包时的感慨，正是服务惠民 的生动注脚。 这份便民服务更跨越城乡界限。该行今年以来开展了8场"现金移动大篷车进乡村"活动，完成15.1万张 （枚）零币、残币及硬币兑换，延伸金融服务半径。"以前换零钱得跑镇上，现在银行直接到家门口， 太方便了。"即墨区一位村民的朴实话语，道出了金融下沉的实际价值。 "以前总担心用手机银行不安全，现在工作人员教得细致，我自己在家也能交水电费了。"78岁的青岛市 民张先生如今已熟练使用手机银行基础功能。考虑到老年人用现习惯，该行推出"定制化零钞预约"服 务，社保、养老金发放高峰期更备足现金，既尊重传统习惯，也帮老年 ...

近日，"责任100｜2025年第九届CSR中国教育榜"发布。中国邮政储蓄银行获评"最佳责任企业品牌"， 其中"邮爱公益"项目凭借在教育公益领域的长期深耕与卓越成效，获得最高荣誉"责任100｜年度典范大 奖"。 未来，邮储银行将继续以"邮爱公益"为重要载体，凝聚更多社会力量，以金融之力赋能乡村振兴，在新 时代谱写企业社会责任的新篇章。 （文章来源：新华网） "责任100｜CSR中国教育榜"由中国教育联盟于2014年发起，是中国教育领域聚焦联合国可持续发展目 标（SDGs）、企业社会责任（CSR）与环境社会治理（ESG）实践的最具影响力奖项之一。 邮储银行始终积极践行社会责任，履行大行担当，传递温暖力量，以初心使命共创美好生活。邮爱公益 自2017年与中国乡村发展基金会联合发起以来，始终聚焦教育公益，通过"邮爱自强班""邮爱奖学 金""邮爱公益爱心包裹"等一系列品牌项目，持续为乡村学子点亮梦想。截至目前，邮爱自强班已在全 国21个省份47个县域开班，助力数百名学子圆梦清华大学、北京大学等国家重点高校。 ...

12月3日至4日，"2026邮政金融论坛暨中邮证券策略报告会"在北京成功举办。本次论坛由中邮证券联合中国邮政储蓄银行、中邮保险共同主办，是邮政整 合银行、证券、保险等多方资源、协同发力、共谋发展的一次重要实践。论坛聚焦"十五五"开局之年的宏观经济趋势、金融改革深化、科技创新驱动等核 心议题，来自邮政集团、金融机构、企业界及学术界的众多嘉宾汇聚一堂，通过主题演讲与专题研讨，共谋金融与实体经济深度融合的高质量发展路径。 中国邮政集团副总经理、邮储银行行长刘建军在主会场发表主旨演讲，中国邮政集团总会计师王嘉君作开幕致辞，中邮保险董事长韩广岳、国务院发展研 究中心原副主任刘世锦、清华大学金融科技研究院副院长薛正华、中邮证券首席经济学家黄付生等也发表主旨演讲，中邮证券董事长龚启华主持主会场会 议。 王嘉君在开幕致辞中表示，党的二十届四中全会准确把握我国发展的历史方位，深入分析国际国内形势，擘画了未来5年发展的宏伟蓝图，为深入推进中 国式现代化指明了前进方向。其中，对金融"五篇大文章"、交通强国、低空经济、跨境电商、降低全社会物流成本、扎实推进乡村全面振兴、稳步推进基 本公共服务均等化等领域作出顶层设计和战略部署，为谱写 ...