■本报记者 郝飞 六月，华北平原烈日炎炎，金色麦浪起伏；江南水乡，青翠秧苗遍布。此时，夏收、夏种、夏管工作刻 不容缓，直接关系全年粮食丰收与农业稳定。 邮储银行积极投身"三夏"生产，用创新金融产品破解融资困境，推动金融服务下沉，助力农民抢农时忙 耕种，确保夏粮顺利归仓。 应对资金"短、频、急" "三夏"资金需求具有明显的"短、频、急"特点：夏收要支付粮款，夏种急需购买农资，夏管又需投入养 护费用。邮储银行针对这一特点精准创新，推出多样化金融服务，为农民提供及时的资金支持。 夏粮集中上市以来，各地收购点资金压力陡增。安徽省蚌埠市五河县兴兴旺粮食收购点是主营夏粮收 购、仓储及销售的农业个体经营户，年收购量约1.2万斤，服务周边4个乡镇、2000余户农户。随着夏粮 集中收割上市，企业负责人张先生需在短期内支付大量收购款，但自有资金有限，季节性资金缺口达 200万元。 在走访中了解情况后，邮储银行安徽省五河县支行信贷工作人员主动上门，为张先生办理产业贷业务， 针对客户资金需求量大且急的情况，为客户申请绿色审批通道，同时基于客户经营流水，并验证实际经 营情况，很快完成尽调、审批、放款，解决其旺季收购资金周转难题。 争分 ...

Group 1 - The core viewpoint of the articles highlights the challenges faced by a local pig farmer in Guangxi, who, despite having a large-scale operation with over 11,000 breeding sows and more than 6,000 meat pigs, is encountering financial difficulties due to rising labor costs and the need for equipment upgrades [1] - The timely loan of 3 million yuan provided by Postal Savings Bank is aimed at addressing the farmer's urgent needs, including the introduction of smart feeding systems and the renovation of ventilation and odor removal equipment, which are expected to reduce labor costs by 30% and shorten the pig production cycle by 15 days [1] - The financial support not only assists the individual farmer in overcoming development bottlenecks but also demonstrates the empowering value of financial services across the entire pig farming industry, contributing to the stability of food prices and ensuring the supply of essential goods [2] Group 2 - Postal Savings Bank plans to continue optimizing its financial products and services, focusing on key segments of the pig farming industry, including feed processing and cold chain logistics, to enhance credit investment and support rural revitalization [2] - The bank's efforts are expected to inject strong momentum into the high-quality development of the regional livestock industry, facilitating a transition from traditional farming to smart farming practices [2]

Group 1 - Postal Savings Bank of China (PSBC) is enhancing financial support for private enterprises, focusing on cross-border financial service needs and providing comprehensive services to assist foreign trade companies in market expansion [1] - PSBC Dalian Branch is recognized as a significant window for opening up in Northeast China, continuously optimizing financial supply and innovating service models to support "going global" enterprises [1] - Dalian Ditop Heavy Industry Co., Ltd. has benefited from PSBC's support, receiving a loan of 4.3 million yuan to alleviate financial pressure due to rising raw material costs [1] Group 2 - PSBC Dalian Branch is promoting a financing coordination mechanism to support small and micro enterprises, continuously innovating financial products and service models [2] - The "No Repayment Renewal Loan" service allows small and micro enterprises to seamlessly renew loans, helping to reduce overall costs and support business growth [2] - Dalian Xinglong Food Co., Ltd. utilized the "No Repayment Renewal Loan" to address high financing costs and received an additional credit line of 10 million yuan to enhance liquidity [2]

Group 1 - The second batch of insurance funds has officially entered the market, focusing on high-dividend assets, industrial upgrades, and counter-cyclical investments, with a total pilot amount of 222 billion yuan across three batches [2] - The Shanghai and Shenzhen Stock Exchanges are seeking public opinion on adjusting the price fluctuation limits for risk-warning stocks from 5% to 10%, which is expected to enhance pricing efficiency and reduce stock volatility [2] - Four major banks have completed over 500 billion yuan in private placements, with the Ministry of Finance injecting 500 billion yuan to strengthen capital, marking the first issuance of special government bonds for this purpose in over 20 years [2] Group 2 - Trump criticized Federal Reserve Chairman Powell, suggesting he would prefer a successor willing to lower interest rates, which raised concerns about the independence of the Federal Reserve and its impact on U.S. financial markets [3] - The U.S. dollar index has dropped over 10% in the first half of 2025, reaching a 38-year low, as global central banks reduce U.S. Treasury holdings and institutional funds move away from the dollar [3] - The Middle East turmoil has affected the oil market, with Brent crude prices experiencing significant fluctuations due to geopolitical tensions, yet global financial markets have shown resilience [3] Group 3 - Foreign investment institutions like Goldman Sachs and UBS are optimistic about Chinese assets, with A-shares' total market value surpassing 100 trillion yuan, driven by China's economic resilience and attractive valuations [4] - The price of Moutai has dropped nearly 20% since the beginning of the year, attributed to market conditions and changes in marketing strategies, as the company seeks to adapt to new consumer demographics [5] - The solid-state battery sector has seen a resurgence in the A-share market, with significant price increases driven by policy support and industrialization acceleration [5]

Core Insights - Postal Savings Bank of China Shenzhen Branch launched a series of consumer promotion activities themed "Let Beauty Happen" during the middle school entrance examination period, aiming to boost consumer demand and invigorate the local economy [2][3] - The activities included cultural performances, financial discounts, and various consumer engagement initiatives, attracting over 10,000 participants and showcasing innovative financial services [2][3] Group 1: Event and Activities - A large cultural performance was held in collaboration with the Shenzhen Yangge Association, featuring 18 Yangge teams and over 800 participants, drawing more than 2,000 attendees [3] - Interactive zones at the event included a financial knowledge quiz, where participants could win creative gifts, and professional financial advisors provided practical financial knowledge [3][4] - The bank's "Postal Love Station" offered free amenities such as air conditioning and refreshments for students and parents during the exam period, along with emergency supplies [3][4] Group 2: Financial Services and Promotions - The bank introduced a "new customer exclusive + full customer coverage" discount system, offering various incentives for credit and debit card users, including cashback and discounts at partnered merchants [4][5] - The bank's promotional activities included partnerships with platforms like Alipay and Pinduoduo, providing consumption subsidies and discounts across various sectors, including travel and dining [5][6] - A "trade-in for new" program was launched, allowing customers to benefit from government subsidies while also receiving additional discounts when using the bank's credit cards [6] Group 3: Future Plans and Strategic Goals - The bank plans to deepen the integration of financial services with daily life, targeting seven key consumption areas and aiming to add 100 preferential merchants in the third quarter [7] - The initiative is part of a broader strategy to explore long-term mechanisms for promoting consumption and supporting high-quality economic development in the Bay Area [7]

Core Viewpoint - The Postal Savings Bank of China Beijing Branch is actively promoting financial safety and risk prevention through a series of initiatives aimed at enhancing public awareness of financial risks and illegal activities, ensuring the protection of citizens' financial assets and contributing to social stability [1][6]. Group 1: Public Awareness Campaigns - The theme of the awareness campaign is "Protecting the Wallet, Safeguarding the Family," focusing on educating the public about the methods and risks associated with illegal financial activities [3][5]. - The bank employs relatable storytelling and case studies to convey investment knowledge, emphasizing that "high returns mean high risks" and encouraging rational investment practices [3][5]. - Various legal regulations, such as the "Regulations on the Prevention and Handling of Illegal Fundraising," are promoted alongside real-life case studies to enhance legal awareness among the public [3][4]. Group 2: Community Engagement - The bank has created a strong atmosphere for financial knowledge promotion in its branches, utilizing visual aids and educational materials to make financial information accessible to customers [4][6]. - During the Dragon Boat Festival, the bank integrated traditional cultural elements into its financial education activities, making the learning experience more engaging and memorable for participants [5]. - The bank's outreach efforts include outdoor campaigns targeting communities, schools, rural areas, business districts, and enterprises to disseminate financial knowledge [6]. Group 3: Employee Training and Collaboration - The bank collaborates with law enforcement to enhance employees' abilities to prevent illegal financial activities, conducting joint training sessions focused on recognizing and addressing various types of fraud [7]. - A compliance knowledge competition was organized to strengthen employees' understanding of internal controls and compliance, ensuring safer financial services for the public [7]. - The bank has established a comprehensive financial education plan for 2025, which includes 23 self-initiated educational activities aimed at protecting consumers' financial rights [7].

2025.06. 24 本文字数：2108，阅读时长大约4分钟 作者 | 第一财经 亓宁 随着建设银行超千亿元定增完成，5000亿元特别国债注资四家国有大行已全部到账。 6月23日晚间，建设银行公告称，该行成功向特定对象发行A股股票，发行对象为财政部，募集资金总额 为1050亿元，在扣除相关发行费用后，全部用于补充建设银行核心一级资本。 建设银行表示，本次发行是落实国家"一揽子增量金融政策"的重要组成部分，有利于建设银行资本实力进 一步增强和资本结构进一步优化，为提升金融服务实体经济质效、增强风险抵补能力、巩固稳健经营发展 能力提供坚实保障。 此前6月13日和17日，交通银行、中国银行、邮储银行已陆续公告完成超千亿元定增，三家大行分别募集 资金1200亿元、1650亿元、1300亿元，其中财政部认购1124.2亿元、1650亿元、1175.8亿元，合计 出资5000亿元，资金来源为中央金融机构注资特别国债。 "破净"定增仅用时两个月 财政部成交行控股股东、首次持股邮储银行 这是财政部时隔20多年再度发行特别国债注资国有大行。自2024年"9·24"新政首提国家计划对六大行补 充核心一级资本，到同年10月财政部 ...

转自：新华财经 扫码、注册、发券……在2025年南博会13号展馆的中国邮政储蓄银行展台前，众多市民、参展商及其他工作人员有序排队，等候开设数字人民币硬钱包。短 短三个小时，邮储银行昆明市分行的工作人员便为500多名市民群众成功开设数字人民币硬钱包，发放500余张优惠券，借助南博会平台为昆明消费市场注入 新活力。 今年南博会上，中国邮政储蓄银行昆明市分行精心打造了180平方米专属金融服务区，派出20余位工作人员，提供8项特色金融服务，全方位满足展会市民消 费者与企业客户的多样化需求。 数字人民币硬钱包受热捧便捷支付引关注 "办理流程很方便，银行工作人员服务也贴心，特别开心能获得数字人民币南博会主题硬钱包。"刚办理成功硬钱包的李女士，手持印有云南特色图案的硬钱 包欣喜地表示，"今天开硬钱包有优惠，以后日常消费也能用数字人民币硬钱包付款，既安全又可靠。" 据了解，数字人民币硬钱包是以实体介质为载体，借助安全芯片技术实现数字人民币存储和交易的新型支付工具。此次，邮储银行昆明市分行借助2025年南 博会发行"南博会"主题数字人民币硬钱包，硬钱包的卡面采用贝壳工艺，同时融入昆明第九届南博会标志性元素与设计语言，既突出南博 ...

国有大行本轮"补血"最快仅耗时75天 靴子落地。 6月23日晚间，建设银行公告指出，该行当日已收到财政部缴付的认购资金1050亿元人民币。资金到账后，建设银行还需在中国证券登记结算有限责任公司上海分 公司办理完成本次发行新增股份的登记托管手续。 至此，建设银行、中国银行、交通银行、邮储银行四家国有大行向特定对象发行A股股票，用以补充核心一级资本的募集资金已全数到账。 根据相关公告，3月30日，四家国有大行就已与财政部等特定对象签署了附条件生效的股份认购协议。从签署协议到资金到账，四大国有大行中，中国银行、交通 银行的核心一级资本补充进度最快，仅耗时75天；邮储银行紧随其后，最晚的建设银行耗时也不到三个月时间。 来看四家国有大行本轮补充核心一级资本的时间线： 2024年9月24日，作为一揽子增量政策的组成部分，"国家计划对六家大型商业银行增加核心一级资本"被首次提及。金融监管总局局长李云泽彼时介绍这一增量政策 时表示，将按照"统筹推进、分期分批、一行一策"的思路，有序实施。 3月12日，2025年政府工作报告对外发布，其中明确，拟发行特别国债5000亿元，支持国有大型商业银行补充资本。 3月30日，建设银行、中 ...

Core Viewpoint - The issuance of special government bonds totaling 500 billion yuan to inject capital into four major state-owned banks has been completed, with China Construction Bank (CCB) successfully raising 105 billion yuan through a private placement to enhance its core tier one capital [2][3]. Group 1: Capital Increase Details - CCB's capital increase is part of a broader national financial policy aimed at strengthening the capital structure of state-owned banks, thereby improving their ability to serve the real economy and enhance risk absorption capacity [2][3]. - The capital raised by CCB will be entirely used to supplement its core tier one capital, following the issuance of special government bonds by the Ministry of Finance, marking the first such issuance in over 20 years [3][6]. - Other major banks, including Bank of Communications, Bank of China, and Postal Savings Bank, have also completed similar capital increases, raising 120 billion yuan, 165 billion yuan, and 130 billion yuan respectively, totaling 500 billion yuan across all four banks [2][3]. Group 2: Pricing and Market Reaction - The pricing of the capital increases has been a focal point, with CCB's issuance price set at 9.06 yuan per share, slightly below the market price of 9.45 yuan on the announcement date, reflecting a premium of 8.8% based on the closing price on March 28 [4][5]. - The issuance prices for other banks were also set with premiums, with Bank of China at 5.93 yuan, Bank of Communications at 8.51 yuan, and Postal Savings Bank at 6.21 yuan, resulting in premium rates of approximately 10.67%, 11.05%, and 14.36% respectively [5]. - Following the announcements, the stock prices of these banks have seen significant increases, with CCB and Bank of Communications rising over 10% since March 28 [5]. Group 3: Shareholding Changes - Post-capital increase, the Ministry of Finance has become the controlling shareholder of Bank of Communications, holding 29.86% of its A-shares, while also becoming the third-largest shareholder of Postal Savings Bank with a 15.77% stake [6]. - The shareholding structure of CCB and Bank of China remains unchanged, with Central Huijin Investment continuing as the major shareholder [6]. - The capital increase is expected to enhance the banks' core tier one capital adequacy ratios, with projected increases of 0.49, 0.86, 1.28, and 1.51 percentage points for CCB, Bank of China, Bank of Communications, and Postal Savings Bank respectively [6]. Group 4: Potential Impact on Lending - If the newly raised capital is fully utilized for lending, it is estimated to generate an additional 4.84 trillion yuan in credit across the four banks, with CCB contributing approximately 0.86 trillion yuan [7].