Core Viewpoint - Zhuzhou, Hunan, is a significant industrial city in China, known for its comprehensive industrial sectors and numerous achievements, with Jin Xin Group being a key player supported by Postal Savings Bank of China in its growth journey [1] Group 1: Company Growth and Development - Jin Xin Group, founded in 2009 by Shen Jinkui, has evolved from a single trade entity into a diversified industrial cluster encompassing hard alloys, new energy, and precision molds, exporting to over 50 countries [1] - The company faced challenges in scaling operations, particularly in 2018 when it experienced a surge in orders but lacked working capital, which was addressed by a timely loan of 570,000 yuan from Postal Savings Bank [2] - In 2019, Jin Xin Group aimed to transition from extensive to refined production, necessitating the purchase of facilities and advanced equipment, leading to a mortgage loan of over 5.8 million yuan from the bank [2] Group 2: Financial Support and Impact - In 2025, rising tungsten powder prices posed a significant challenge for Jin Xin Group, impacting cash flow and production capabilities [3] - Postal Savings Bank proactively provided customized financial services, granting a total credit of 700,000 yuan to Jin Xin Group and its subsidiaries, effectively addressing the liquidity gap [3] - The financial support included government interest subsidies amounting to 240,000 yuan over two years, significantly reducing financing costs and enabling the company to focus on production expansion [3] Group 3: Commitment to Local Economic Development - Postal Savings Bank has consistently adhered to its mission of serving the real economy, providing practical and efficient financial services to support local enterprises like Jin Xin Group [4] - The recent "dual credit + interest subsidy" service exemplifies the bank's ability to meet specific corporate needs and assist in overcoming financial challenges [4] - The bank plans to continue focusing on the industrial development needs of Zhuzhou, offering more precise credit solutions and efficient services to foster local economic growth [4]

Core Insights - The financial support from Postal Savings Bank is significantly enhancing the development of the cultural and tourism industry across various regions in China, facilitating project upgrades and improving service capabilities [1][2][3][4]. Group 1: Financial Support and Impact - In Shandong Qufu, the "Nishan Sacred Site" is attracting a large number of visitors due to unique educational projects, supported by over 800 million yuan in loans from Postal Savings Bank [1]. - In Guizhou Bijie, the renovation of the Zhi Jin Cave scenic area, funded by 30 million yuan from Postal Savings Bank, has led to a substantial increase in visitor numbers [1]. - As of the end of October this year, the wholesale loan scale directed towards the cultural and tourism sector by Postal Savings Bank has increased by 38% compared to the end of last year [1]. Group 2: Innovative Financial Products - In Xi'an, the Postal Savings Bank provided nearly 10 million yuan in loans to 20 local homestay businesses, addressing their funding shortages and enabling significant revenue growth during the summer [2]. - The "Meizhou Homestay Loan" in Fujian has a maximum limit of 500,000 yuan, with a simple process and flexible terms, while the "Ancient City Business Circle Loan" in Yunnan supports local merchants in optimizing operations [2]. Group 3: Project Upgrades and Diverse Offerings - In Guangdong Shaoguan, a loan of 190 million yuan was issued to support the upgrade of cable cars and boats, enhancing the overall tourism experience [3]. - In Tibet Lhasa, a strategic partnership was formed to promote the large-scale epic performance "Princess Wencheng," showcasing the integration of culture and tourism [3]. - Postal Savings Bank is expanding its financial support to include non-material cultural heritage protection and cultural creative development, enhancing the management efficiency and consumer experience in the tourism sector [3]. Group 4: Commitment to Industry Development - In Dali, Yunnan, a dyeing craftsman expanded his workshop with the support of Postal Savings Bank, while in Zhejiang, the bank provided credit loans to local "old brand" enterprises [4]. - The "Chao You Ancient City" comprehensive management platform launched in Guangdong integrates various tourism services, reflecting the bank's commitment to driving industry growth through innovative financial solutions [4]. - Postal Savings Bank aims to continue deepening the integration of finance and tourism, contributing to rural revitalization and regional economic development [4].

Core Insights - The news highlights the significant role of Postal Savings Bank in supporting the cultural and tourism industry through targeted financial services, which has led to the enhancement of various tourist attractions and the overall industry transformation [1][2][3][4]. Group 1: Financial Support for Cultural and Tourism Projects - In Shandong Qufu, the "Nishan Sacred Site" has attracted many visitors due to unique educational projects, supported by over 800 million yuan in loans from Postal Savings Bank [1]. - In Guizhou Bijie, the renovation of the Zhi Jin Cave scenic area, funded by 30 million yuan from Postal Savings Bank, has significantly improved visitor reception capacity [1]. - As of the end of October this year, the wholesale loan scale directed towards the cultural and tourism sector by Postal Savings Bank has increased by 38% compared to the end of last year [1]. Group 2: Addressing Funding Challenges for Businesses - In Xi'an, a local inn operator received a 1 million yuan credit loan within three days, enabling significant upgrades and increased summer revenue [2]. - Postal Savings Bank has issued nearly 10 million yuan in loans to 20 local inn businesses in Xi'an, effectively addressing their funding shortages [2]. - Various regions, including Fujian and Yunnan, have seen the introduction of specialized loan products to support the local hospitality industry, enhancing financial backing for the integration of culture and tourism [2]. Group 3: Upgrading Major Projects and Diversifying Tourism Offerings - In Guangdong Shaoguan, Postal Savings Bank provided a loan of 190 million yuan to support the upgrade of tourist facilities, enhancing the overall visitor experience [3]. - In Tibet Lhasa, a strategic partnership was formed to promote a large-scale cultural performance, showcasing the integration of culture and tourism [3]. - The bank's financial support has evolved from aiding small businesses to participating in significant cultural tourism projects, thereby improving management efficiency and consumer experience [3]. Group 4: Innovative Financial Services and Future Directions - In Dali, Yunnan, artisans have expanded their workshops with the help of Postal Savings Bank, which also supports local traditional enterprises with innovative credit products [4]. - The bank has launched a comprehensive management platform for tourism services in Guangdong, integrating various aspects of the visitor experience [4]. - Postal Savings Bank aims to continue its deep integration of finance and tourism, contributing to rural revitalization and regional economic development [4].

Core Insights - The report indicates a challenging environment for perpetual bonds in the banking sector, with both supply and demand expected to remain weak in 2026 [2][3] - The net supply of perpetual bonds is projected to stabilize at a low level, with significant contributions from TLAC bonds [2][3] - Demand for bank perpetual bonds is facing challenges due to regulatory changes and market conditions, impacting their attractiveness [2][3] Supply - The net supply of perpetual bonds has decreased significantly, with 2025's issuance at 1.38 trillion yuan, down from previous years, and net financing dropping to 363 billion yuan [8][12] - The supply is expected to remain low in 2026, with net financing projected to be around 400-500 billion yuan, characterized by a decline in large banks' issuance and an increase from smaller banks [2][3] - TLAC bonds are anticipated to provide some relief to the supply side, with a projected net supply of around 300 billion yuan in 2026 [2][3] Demand - Bank perpetual bonds continue to be a crucial component of the credit bond market, but demand is weakening due to regulatory changes and market dynamics [2][3] - The implementation of new accounting standards for insurance companies may reduce their investment capacity in perpetual bonds, although the overall impact is expected to be manageable [2][3] - The demand from banks for self-managed investments is likely to stabilize, while mutual funds may face challenges due to new fee regulations, impacting their allocation to perpetual bonds [2][3] Valuation - The report highlights the potential for a shift in the relative valuation of perpetual bonds due to weak supply and demand dynamics [3][3] - Credit spreads for perpetual bonds may face upward pressure if participation from funds and insurance companies diminishes, with projected spreads for 3-year AAA-rated bonds in the range of 25-60 basis points [3][3] - The valuation of different bond types is expected to diverge, with higher-grade bonds potentially facing upward pressure on spreads [3][3] Strategy - The report suggests a tactical approach to trading opportunities in high-grade bank perpetual bonds, with a focus on price differences between new and existing bonds [3][3] - For mid-sized banks' perpetual bonds, it is recommended to actively monitor value propositions while being cautious of non-redemption risks [3][3] - TLAC bonds are noted for their dual value in both allocation and trading, with a particular emphasis on floating rate bonds [3][3]

Group 1 - The core viewpoint of the articles highlights the growth and innovation of De Sheng Robotics, a company established in 2018, which has become a national-level "specialized, refined, distinctive, and innovative" small giant enterprise focusing on robotics and high-end intelligent equipment [1][3] - De Sheng Robotics has developed advanced technologies such as the pre-torque robot for pipe fittings and automatic thread detection, indicating its commitment to continuous investment in product research and development [1] - The company faced funding challenges, which were addressed by a tailored loan of 20 million yuan from the Postal Savings Bank of China, aimed at supporting high-quality "specialized, refined, distinctive, and innovative" enterprises [3] Group 2 - The Postal Savings Bank of Shandong Province reported a 30.70% year-on-year increase in technology enterprise loans in the first ten months of the year, reflecting a growing trend in financial support for technology-driven companies [3] - The construction of a "technology flow" evaluation system by the Construction Bank of Shandong Province assesses the value of enterprises' intellectual property through various dimensions, including the proportion of invention patents and their market conversion value [4] - The Shandong Provincial Financial Supervision Administration has accelerated the establishment of the country's first pilot area for financial reform in science and technology, promoting the transformation of scientific and technological "soft power" into financial "hard assets" with a total financing support of 35.2 billion yuan [4]

活动当日，该行在米东区锅底坑村村委会设立临时宣传点，通过发放宣传折页、现场讲解和案例解析等 方式，向往来村民普及金融知识。该行工作人员以亲切易懂的语言，结合"养老理财""虚假投资"等当前 高发诈骗类型，深入剖析诈骗分子的常见手段和话术，提示村民警惕"高收益、零风险"等虚假承诺，强 调通过银行等正规机构办理业务的重要性。 活动现场，该行员工还针对银行卡使用、贷款申请等日常金融问题提供"一对一"金融解答，引导村民遇 到可疑情况时及时联系银行或报警，切实增强自我保护能力。 下一步，该行将继续坚守"普惠金融"使命，持续开展多样化的金融知识普及活动，将更优质的金融服务 与更安全的消费环境延伸至乡村基层，为乡村振兴注入金融正能量。（雷芳） 编辑：赵鼎 转自：新华财经 近日，邮储银行乌鲁木齐市分行积极参加国家金融监督管理总局米东监管支局举办的"送金融服务下 乡"活动。 据悉，此次活动以"保障金融权益，助力美好生活"为主题，着力提升村民，特别是老年群体的风险防范 意识和自我保护能力。 ...

Core Points - Postal Savings Bank of China (PSBC) Urumqi Branch collaborates with Xinjiang Gerontology Society to conduct various community service activities aimed at elderly care [1][2] - The activities include anti-fraud education, health check-ups, and financial literacy workshops to enhance the well-being and financial awareness of the elderly [1] Group 1: Anti-Fraud Initiatives - The anti-fraud team educates the elderly about common scams through real case analyses, distribution of promotional materials, and interactive Q&A sessions [1] - The goal is to improve the elderly's ability to identify and prevent fraud, thereby protecting their financial assets and mental health [1] Group 2: Health Services - A health consultation team provides free blood pressure and blood sugar tests, along with health advice and initial screenings for common and chronic diseases [1] - The initiative aims to deliver personalized health guidance and promote scientific health knowledge among the elderly [1] Group 3: Financial Literacy - The bank organized financial knowledge lectures in collaboration with 10 local communities, with 55 residents participating in the sessions [1] - This effort is part of the "Respect for the Elderly Month" activities, enhancing the elderly's understanding of financial products and services [1] Group 4: Future Plans - The bank plans to continue its partnership with Xinjiang Gerontology Society to address the financial needs of the elderly and conduct more practical activities [2]

Core Insights - The article highlights the proactive measures taken by Postal Savings Bank of China to address the financial service challenges faced by workers at a remote project site in the Gurbantünggüt Desert [1] Group 1: Challenges Faced - The project site is located 125 kilometers from the nearest bank, with a 30-kilometer stretch having no signal, complicating the process of workers obtaining salary cards [1] - Workers face difficulties such as staggered work schedules and inconvenient transportation, leading to high time and economic costs for accessing banking services [1] Group 2: Solutions Provided - Postal Savings Bank formed a service team that traveled four hours to the project site, overcoming signal fluctuations and language barriers to efficiently complete various financial transactions [1] - The bank successfully opened 38 salary accounts, 23 pension accounts, activated 30 SMS services, signed 33 wealth management accounts, and established 38 mobile banking accounts for the workers [1]

Core Points - Postal Savings Bank of China provided timely financial support to agricultural operators affected by adverse weather conditions, exemplified by a loan of 500,000 yuan to a local farmer, which included a 1% interest subsidy and no collateral fees [1][2] - The "Yunongdan-Disaster Relief Loan" initiative aims to assist disaster-stricken agricultural businesses through collaboration between the Henan Provincial Finance Department and the Henan Provincial Agricultural and Rural Affairs Department, facilitating financial aid to help farmers recover [1] Group 1 - The loan provided to the farmer will save him over 5,000 yuan annually due to the favorable terms [1] - The Postal Savings Bank's local branch actively coordinated with agricultural insurance companies to expedite claims processing for affected farmers [1] - The initiative is part of a broader strategy to leverage financial resources to support rural revitalization and disaster recovery efforts [2] Group 2 - A meeting was held by the Xuchang municipal government to promote the "Yunongdan-Disaster Relief Loan" program, emphasizing the importance of policy implementation and outreach to farmers [2] - The Postal Savings Bank plans to deepen collaboration with agricultural guarantee and insurance sectors to enhance financial support for disaster-affected farmers [2] - The bank is committed to maintaining its focus on serving the agricultural sector and ensuring that financial benefits reach farmers quickly [2]

中新网重庆新闻11月19日电 近日，万盛经开区财政局专项支持政策精准落地，为"邮运通"新业态发展 注入强劲动力。作为集寄递物流、农村电商、普惠金融于一体的创新模式，"邮运通"在万盛财政的引导 与扶持下，正加速打造"镇有中心、村有站点、社有触点、田有服务"的四级寄递物流网络，打通农产品 进城"最初一公里"和工业品下乡"最后一公里"，成为促进城乡要素流动、服务乡村振兴的重要纽带。 财政锚定产业需求，推动邮银协同"精准助农"。紧扣万盛财政对农村产业发展的扶持方向，邮储银行万 盛支行按"区域+产业+规模+需求"模式梳理目标客户清单，重点聚焦产业强村、规模化经营主体及高素 质农民的生产经营需求。通过开展"邮银助振兴，惠农进万村"、金融政策到村宣讲等主题活动，由邮政 牵头搭建村级合作平台，集成快递收投、生活缴费、普惠金融"一站式"服务；在人行指导与财政政策支 撑下，持续推进农村信用体系建设，深化涉农数据应用，为当地特色产业客群定制"邮运通"金融产品， 实现邮银资源协同、服务同向，让财政支持精准匹配农村开发的资金需求。 未来，万盛经开区将持续以财政支持为核心牵引，深化"邮运通"模式升级。通过强化政策与产品联动， 将财政政策 ...