Core Insights - Postal Savings Bank of China (PSBC) won the "Financial Technology Development Award" for the third consecutive year, highlighting its strength in core system R&D and digital transformation [1][2] - The award is a significant recognition in China's financial sector, focusing on innovative technological achievements across various financial services [1] Group 1: Award Recognition - PSBC's project, "Intelligent and Digital-Driven Distributed Corporate Business Core System," achieved first place, marking a significant milestone in the bank's technological advancements [1][2] - The "Financial Technology Development Award" is the only ministerial-level technology award in China's financial industry, emphasizing the importance of technological innovation [1] Group 2: Technological Innovations - The core system represents a major innovation in implementing the national strategy for technological self-reliance, achieving full-stack domestic operation for corporate business among state-owned banks [2] - The system integrates AI, big data, and large models, creating a personalized service system and enhancing operational efficiency by over 10 times compared to previous versions [2] Group 3: Future Directions - PSBC plans to focus on key areas such as core technology autonomy, inclusive financial technology empowerment, and digital support for rural revitalization, aiming for continuous innovation and practical implementation [2]

Group 1 - The article discusses the launch of China's first prepaid health check package service based on digital RMB "Yuan Manager" smart contracts in collaboration with Postal Savings Bank of China and Yangzhou Hanjing Hengbo Hospital [1][2] - The service aims to enhance consumer trust in medical services by ensuring the safety of prepaid funds through a transparent digital platform, allowing consumers to track their funds in real-time [2] - The initiative represents a significant step in the integration of finance and healthcare, with plans to extend the "Yuan Manager" model to more service scenarios in the future [2][3] Group 2 - Postal Savings Bank of China emphasizes "scene innovation" as a core direction for promoting digital RMB, having previously implemented "Yuan Manager" services in education and fitness sectors [3] - The collaboration with the hospital marks a breakthrough in the deep integration of finance and healthcare, with intentions to replicate the service model in other fields to better serve public welfare [3]

Core Insights - China Post Group has re-entered the insurance intermediary market by obtaining approval from the National Financial Regulatory Administration to operate insurance agency business, covering common property and personal insurance types [1][6] - The move comes amid a significant reduction in the number of insurance intermediaries, with China Post leveraging its extensive network of over 50,000 outlets to fill market gaps and tap into underdeveloped markets [1][7] - The reactivation of insurance agency operations is seen as a strategic response to the ongoing reshaping of the insurance intermediary sector, aiming to enhance competitive advantages in rural and county areas [1][7] Summary by Sections Insurance Agency License - China Post has received approval to operate as an insurance agent, marking its return to the insurance intermediary market after a two-year hiatus [1] - The approval follows similar licenses granted to other companies, indicating a potential shift in the regulatory landscape [1] Market Context - The insurance intermediary market has faced intense competition, leading to a significant decrease in the number of intermediaries [7] - China Post previously divested its insurance intermediary stakes, but is now re-entering the market to capitalize on the current reshaping of the industry [6][7] Financial Performance - In the first half of 2025, Postal Savings Bank reported commission expenses of 4.15 billion yuan to China Post, reflecting a year-on-year increase of 7.82% [3] - However, the commission received by China Post from Postal Savings Bank has decreased by over 60% compared to the same period in 2023 [3] Strategic Implications - Analysts suggest that China Post's re-entry into the insurance agency business is driven by compliance needs, resource integration, and strategic positioning to capture market opportunities during a period of industry consolidation [7] - The extensive network of China Post is expected to provide a competitive edge in reaching underserved markets, aligning with national financial inclusion goals [7][8] Network Advantage - As of the end of 2024, China Post operates 54,500 outlets, significantly outnumbering other major banks, which positions it favorably in the insurance market [8]

Core Viewpoint - The impact of AI on bank customer service is becoming increasingly evident, with Postal Savings Bank of China announcing a reduction in the hours for human customer service starting December 3, 2025, reflecting a broader trend in the banking industry towards AI integration [1][2]. Group 1: AI Integration in Banking - Major banks, including Industrial and Commercial Bank of China and China Construction Bank, are actively integrating AI technologies into their operations, particularly in customer service and risk management [2]. - The application of AI in banking is primarily focused on enhancing customer service through personalized solutions, improved interaction experiences, and 24/7 availability [2][3]. Group 2: Human-AI Collaboration - Experts suggest that the future of bank customer service will involve a collaborative ecosystem between human and AI services, where AI handles repetitive tasks while human agents focus on complex customer needs [3]. - The integration of AI tools with human expertise is expected to enhance both service efficiency and customer experience, with a focus on high-value interactions such as complaint resolution and personalized financial planning [3].

Core Insights - Postal Savings Bank of China executed a block trade on November 26, with a transaction volume of 300,000 shares and a transaction value of 1.737 million yuan, at a price of 5.79 yuan per share [1][2] Trading Activity - In the last three months, Postal Savings Bank has recorded a total of 8 block trades, with a cumulative transaction value of 32.448 million yuan [2] - The closing price of Postal Savings Bank on the day of the block trade was 5.79 yuan, reflecting a decline of 1.53% [2] - The daily turnover rate was 0.26%, with a total trading volume of 1.005 billion yuan, and a net outflow of 130 million yuan in main funds for the day [2] - Over the past five days, the stock has increased by 1.05%, but there has been a cumulative net outflow of 7.255 million yuan [2] Margin Financing - The latest margin financing balance for Postal Savings Bank is 919 million yuan, which has decreased by 7.0684 million yuan over the past five days, representing a decline of 0.76% [2]

Core Viewpoint - Several banks, including China Construction Bank, have raised the risk levels of 87 mutual fund products, indicating a proactive response to regulatory requirements rather than a signal of overall market risk increase [2][5][6]. Group 1: Risk Level Adjustments - China Construction Bank announced adjustments to the risk levels of 87 mutual fund products, with 32 products moving from "R2 - Low to Medium Risk" to "R3 - Medium Risk" and 55 products from "R3 - Medium Risk" to "R4 - Medium to High Risk" [3]. - Postal Savings Bank and Citic Bank have also made similar adjustments to their mutual fund products, with Postal Savings Bank adjusting 80 products on October 29 and 6 products on November 6 [3][4]. - The adjustments are part of a broader trend among banks to comply with the "Commercial Banks' Agency Sales Business Management Measures" and to enhance investor protection [5][6]. Group 2: Market Implications - Experts assert that the increase in risk levels does not indicate a rise in overall market risk but is a necessary response to regulatory pressures and market volatility [5][6]. - The adjustments focus on high-volatility products, particularly equity funds, reflecting a more precise disclosure of specific product risk characteristics rather than systemic market risk changes [6]. Group 3: Long-term Benefits for Investors - In the short term, investors may face limited investment choices, but the long-term benefits include clearer risk warnings and more rational investment decisions, particularly for low-risk preference groups [7]. - The shift in focus from selling products to providing services is expected to enhance the investment research capabilities of fund companies and promote a healthier market ecosystem [7].

光听不够,亲身体验才更深刻。在网点工作人员有序引导下,"小小银行家"们开启了专属的"金融探秘之 旅"的体验,参观了银行的各个功能区。在大堂,他们垫着脚尖观察排队叫号机,好奇得问"为什么要取 号?"工作人员笑着解释这样大家排队更加有秩序,不用拥挤,这就是银行让服务更加顺畅的小办法；在智 能业务区,看着智慧云柜柜员快速办理业务,ITM等智能柜台,孩子们忍不住发出"好神奇"的感叹,工作人员 趁机讲解"这些机器能帮助大家节省时间,让服务更高效；到了自助设备区,在工作人员手把手指导下,孩 子们小心翼翼地尝试存取款一体机的操作,成功后脸上洋溢着满满的成就感。在邮爱驿站爱心角、读书 吧区域,孩子们感叹,原来银行也可以给大家带来家一样的温暖。 工作人员利用彩色的图画、发放反假币卡通漫画宣传折页、带领小朋友们参观实物货币展台、观看反电 信网络诈骗宣传片,向孩子们深入浅出地讲解了货币的起源、发展历史以及不同面额人民币的辨识技 巧、爱护人民币的意义和如何用自己的小小力量去预防电信网络诈骗。 近日,邮储银行滨州市分行营业部大厅迎来了一群特殊的"小访客"--滨州经济开发区格林城堡幼儿园的小 朋友们。一场以"小小银行家"为主题的职业体验 ...

Core Insights - Financial services are becoming a key driver for technological innovation and industrial upgrading in Tianjin, establishing a "technology-industry-finance" new cycle mechanism [1] - Tianjin is breaking down information barriers and building a comprehensive financial service system that covers the entire lifecycle of technological innovation [1] Financial Support for R&D - Tianjin Postal Savings Bank quickly formed a specialized service team to support a local tech company, providing a "R&D loan" that significantly boosted their research efforts [2] - The company has developed over 10 related patents and created a library of ionizable lipids, overcoming traditional limitations in drug delivery technology [2] - The bank's loans to tech enterprises increased by nearly 50% in the first half of the year [2] Collaborative Financial Initiatives - Other banks, such as SPD Bank and ICBC, are also focusing on emerging fields like AI and life sciences, with SPD Bank issuing over 2 billion yuan in loans to more than 100 tech companies [3] - By the end of August, Tianjin's tech loans grew by 9.2% year-on-year [3] Long-term Mechanism Development - Tianjin is establishing a long-term mechanism for the "technology-industry-finance" cycle, utilizing policy tools like the Science and Technology Reform Re-loan [4] - The Tianjin Banking Association and the Tianjin Fund Association have published a reference list of key cooperative investment institutions to encourage collaboration between banks and venture capital [4] - Since the beginning of 2024, banks in Tianjin have issued 3.1 billion yuan in loans through a linked investment and loan model, benefiting 187 tech innovation companies [4] Innovative Financial Products - The "loan + external direct investment" model allows for more precise identification of funding needs for tech companies, facilitating liquidity between funding rounds [5] Policy Support and Ecosystem Building - The issuance of "technology bonds" has increased, with Tianjin's total issuance surpassing 20 billion yuan [7] - A technology financial roadshow center has been established, organizing 182 events and involving over 3,121 companies, aiding in financing efforts [7] - Tianjin aims to grow its innovation fund to over 200 billion yuan and its technology loan balance to over 1.1 trillion yuan by 2027 [7][8]

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 監事會決議公告 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 中国邮政储蓄银行股份有限公司监事会及全体监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。 中国邮政储蓄银行股份有限公司（以下简称本行、邮储银行）监 事会于 2025 年 11 月 12 日以书面形式发出会议通知，于 2025 年 11 月 26 日以书面传签方式召开会议。会议应参加监事 4 名，实际参加 监事 4 名。会议的召开符合《中华人民共和国公司法》等有关法律、 行政法规、部门规章、规范性文件和《中国邮政储蓄银行股份有 ...

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 董事會決議公告 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。 聯席公司秘書 中國，北京 2025年11月26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╱或接受存款業 務。 证券代码：601658 证券简称：邮储银行 公告编号：临 2025-059 中国邮政储蓄 ...