12月10日，中国邮政储蓄银行在"2025年数字金融大会暨手机银行11.0发布会"上，正式推出手机银行 11.0版本。邮储银行手机银行11.0版本以"邮AI，智慧陪伴每一刻"为服务初心，推动手机银行从功能型 工具向陪伴型伙伴演进，为客户提供智慧相伴、场景相通、信任相守的"贴心陪伴"服务。 值得一提的是，在中金金融认证中心（CFCA）最新发布的《2025数字银行调查报告》中，邮储银行手 机银行11.0版本综合评测总得分位列行业第二名，用户体验连续三年位列榜首。 智慧相伴：交互更简单，知心如伙伴 极简的交互体验是邮储银行手机银行11.0版本升级的一大亮点。手机银行11.0将AI技术深度融入客户旅 程，重构智能交互逻辑，将传统的"点击、搜索、跳转"重构为"对话即服务"的伙伴式交互模式。 无论是首页上线的热点资讯，还是生活页升级的"发现"专区，手机银行11.0都实现了"金融服务"与"非金 融服务"两大场景的深度融合，持续向客户提供覆盖金融、消费、乡村等多领域的优质内容。 "一站式"场景在11.0版本中随处可见。例如，此次新焕升级的信用卡频道，深度融合了信用卡金融和生 活场景，增设当季主推、"省"系列活动、精彩焕购、咖 ...

Group 1 - Postal Savings Bank of China (PSBC) experienced a stock price increase of 0.55% on December 11, with a trading volume of 649 million yuan [1] - On the same day, PSBC recorded a financing buy amount of 63.84 million yuan and a financing repayment of 61.26 million yuan, resulting in a net financing purchase of 2.59 million yuan [1] - As of December 11, the total balance of margin trading for PSBC reached 1.103 billion yuan, with the financing balance accounting for 0.30% of the circulating market value, indicating a high level compared to the past year [1] Group 2 - PSBC was established on March 6, 2007, and listed on December 10, 2019, providing a range of banking and financial services in China [2] - The bank's main business segments include personal banking (65.15% of revenue), corporate banking (22.71%), and funding operations (12.10%) [2] - As of September 30, PSBC had 142,600 shareholders, a decrease of 13.09% from the previous period, with an average of 478,570 circulating shares per shareholder, an increase of 15.29% [3] Group 3 - PSBC has distributed a total of 137.80 billion yuan in dividends since its A-share listing, with 77.40 billion yuan distributed over the past three years [4] - As of September 30, 2025, major shareholders included Hong Kong Central Clearing Limited, which held 520 million shares, a decrease of 422 million shares from the previous period [4] - Other significant shareholders include Huaxia SSE 50 ETF and Huatai-PineBridge CSI 300 ETF, both of which also saw reductions in their holdings [4]

Core Viewpoint - The credit card market is undergoing significant adjustments, with many banks, especially smaller ones, halting the issuance of co-branded credit cards due to rising costs and risks associated with these products [1][5][6]. Group 1: Market Trends - The trend of halting credit card issuance is not isolated, as it has become a common practice among both national and regional banks throughout the year [1][6]. - Major banks, including China Construction Bank and Postal Savings Bank, have collectively stopped issuing over 100 credit card products since the beginning of 2025, with co-branded cards being a significant portion of these [6][11]. - The total number of credit cards in circulation has decreased by 100 million over the past three years, indicating a shift away from the previous era of aggressive expansion [10][11]. Group 2: Bank Strategies - Banks are transitioning from a focus on quantity to quality in their credit card offerings, prompted by regulatory changes and market dynamics [11][12]. - The recent adjustments include the closure of credit card centers and the integration of credit card functionalities into main banking apps, reflecting a strategic shift towards efficiency and cost reduction [14][15]. - The halting of co-branded cards is seen as a necessary step for banks to concentrate resources on more viable products and improve operational efficiency [8][9]. Group 3: Future Directions - The future of credit card business is expected to focus on three main transformation directions: integrating various service scenarios, upgrading technology for better digital experiences, and deepening customer segmentation to enhance value creation [16].

Core Insights - The China Postal Savings Bank (PSBC) held the 2025 Digital Finance Conference, showcasing its advancements in digital finance and the launch of its mobile banking version 11.0, emphasizing its commitment to technology-driven financial services [1] - The bank's president, Liu Jianjun, highlighted the transformative impact of technology on the banking sector, focusing on AI's role in reshaping traditional financial models and enhancing service delivery [2] Digital Strategy - PSBC has adopted a "Digital Postal Savings" strategy, implementing an "AI+" initiative to optimize financial supply, reduce financing costs, and improve service experiences, maintaining a focus on serving the real economy [2] - The bank has hosted the Digital Finance Conference for three consecutive years, evolving its strategy from initial exploration to practical implementation and now to a new era of digital finance [2] AI Capabilities - PSBC is enhancing its AI capabilities by focusing on data, computing power, and algorithms, establishing a robust AI infrastructure that supports business innovation [3] - The bank has received the People's Bank of China Financial Technology Development Award for three consecutive years, indicating its leadership in financial technology [3] AI2ALL Ecosystem - The "AI2ALL" digital ecosystem aims to integrate AI capabilities across various service dimensions, enhancing internal efficiency and external outreach [4] - PSBC has identified nearly 260 application scenarios for its AI capabilities within the "AI2ALL" framework [4] Operational Efficiency - The bank is utilizing intelligent tools across all operational processes, from front to back office, to enhance organizational efficiency and management precision [5] - In the front office, PSBC is leveraging intelligent marketing tools to provide personalized services, moving away from traditional broad marketing approaches [6] Risk Management - In the middle office, PSBC is using intelligent models to improve risk control and business efficiency, creating a new paradigm that balances business growth with risk management [6] Customer Service Enhancement - PSBC is integrating AI into its service delivery across offline, remote, and online channels, aiming to provide seamless and intelligent customer experiences [7] - The bank has introduced cloud-based services and intelligent outbound calling to enhance customer interaction and responsiveness [7][8] Mobile Banking Innovation - The latest version of PSBC's mobile banking app incorporates AI to redefine financial services, offering personalized features and enhanced security measures [8] - The app has received high ratings in user experience, ranking second in overall evaluation among major banks, with top scores in user experience for three consecutive years [8]

Core Insights - Postal Savings Bank of China (PSBC) is showcasing its achievements and future plans in digital finance at the 2025 Digital Finance Conference, emphasizing the integration of technology in financial services [1] - The bank's president highlights the transformative impact of technology on the speed of progress, depth of financial reform, and breadth of service reach, positioning AI as a key driver in reshaping traditional financial models [1][2] - PSBC is committed to serving the real economy by optimizing financial supply, reducing financing costs, and enhancing service experiences, aligning with its mission of "finance for the people" [1][3] Digital Strategy - PSBC has adopted a "Digital Postal Savings" strategy, implementing an "AI+" initiative that has led to the bank receiving the People's Bank of China Financial Technology Development Award for three consecutive years [2] - The bank's intelligent tools span the entire operational process, enhancing management efficiency and organizational effectiveness [2] - In the front office, PSBC utilizes intelligent profiling to improve precision marketing, shifting from broad marketing strategies to personalized services [2] - In the middle office, intelligent models enhance risk control and business efficiency, with tools that integrate expert knowledge into decision-making processes [2] - In the back office, intelligent analysis tools improve employee capabilities by simplifying data access and analysis processes [2] Future Outlook - PSBC is dedicated to its "finance for the people" principle and will continue to advance its "Digital Postal Savings" strategy, focusing on building a digital ecosystem that delivers warm and perceptive financial services to various sectors [3]

转自：新华财经 同时，该行党委发挥先锋模范、党组织战斗堡垒作用，通过评选"两优一先"典型，表彰优秀共产党员， 大力宣传先进事迹。全国劳动模范、自治区劳动模范先后受邀多家企业、社区开展宣讲座谈，彰显模范 带动、示范引领，为企业高质量发展注入"红色动能"。 另外，该行还聚焦经济带核心区的创新中坚力量——专精特新"小巨人"企业，成立以业务骨干为核心的 党小组专业团队，以精准、高效、有温度的金融服务，为"专精特新"企业茁壮成长保驾护航，助力区域 高质量发展。其中经开区支行党支部服务乌鲁木齐市自贸区各类企业300家，商户720余家。 今后，该行将常态化开展"党建+"系列活动，丰富活动内容，延伸金融服务触角，进一步激发红色党建 引领动能。（何建峰） 编辑：穆皓 2025年，邮储银行乌鲁木齐市分行深入开展"党建+"系列活动，凝聚发展合力，有效推动党建与经营发 展同频共振、深度融合。 据悉，该行持续深化党建引领企业发展路径，真正做好聚人心，优服务，促发展。 为此，该行领导班子带头走访各区县、中小企业、科技创新企业、部队、公安武警，开展党建交流、企 业融资、普惠金融、反洗钱反电诈宣讲、义诊服务、健康讲座、困难群众帮扶等，促进双 ...

Group 1 - The People's Bank of China, Shuangyashan Branch, issued an administrative penalty against China Postal Savings Bank Co., Ltd. Shuangyashan Branch for opening a basic deposit account without approval, resulting in a warning and a fine of 21,000 yuan [1][3] - The penalty decision was made public on December 4, 2025, and the public disclosure period is set for 22 days [2][4]

Core Viewpoint - Postal Savings Bank of China Qingdao Branch has successfully issued a loan of 250,000 yuan, marking the first "transaction certification loan" in Qingdao, aimed at addressing the financing difficulties faced by rural operators and supporting rural revitalization [1][2] Group 1: Loan and Financial Innovation - The loan was issued based on a transaction certification from the Qingdao Rural Property Rights Transfer Trading Platform, providing strong support for rural financing needs [1] - The bank focuses on diverse financing needs of rural operators, including farmers, small business owners, and cooperatives, and has launched the "transaction certification loan" to enhance financial services [1][2] Group 2: Service Process and Risk Management - To ensure the efficient implementation of the "transaction certification loan," the bank has established a dedicated service process that simplifies approval and reduces processing time [2] - The bank relies on the Qingdao Rural Property Rights Transfer Trading Platform for compliance verification of rural property transaction subjects, thereby strengthening the credit foundation for loan projects [2] Group 3: Future Plans and Service Expansion - The bank plans to deepen cooperation with the Qingdao Rural Property Rights Transfer Trading Platform and explore a comprehensive service system integrating property trading, transaction certification, and financing guarantees [2] - There will be an emphasis on product iteration and service innovation to develop more financial products tailored to rural property scenarios, aiming to enhance the efficiency of financial services in agriculture and rural areas [2]

Core Viewpoint - The opening of the first football-themed branch of SPD Bank in Dalian signifies the deep integration of finance and sports, promoting high-quality development of the sports economy and the integration of culture, sports, and tourism in the city [3][30]. Group 1: Financial Support for Sports - SPD Bank's Dalian branch aims to break traditional banking service boundaries by creating a unique service system that integrates financial services, fan experiences, and industry support [6][32]. - The strategic partnership between SPD Bank and Dalian Yingbo Football Club will provide comprehensive financial services, including credit, fund management, and payroll services, while enhancing fan engagement through digital platforms [6][32]. - Postal Savings Bank of Dalian is also collaborating with Dalian Yingbo Football Club to offer personalized financial services and themed credit cards, enhancing the "finance + football" ecosystem [8][35]. Group 2: Youth Development in Football - The "You Are On Stage" public football training camp, organized by Ping An Life and Dalian Football Association, aims to provide a professional growth platform for young football talents while integrating financial services into the training system [9][36]. Group 3: Promoting Sports Events - Dalian International Walking Festival and Dalian Marathon are key sports events that showcase the city's charm and spirit, with significant participation from the financial sector enhancing their impact [11][39]. - Financial institutions like Ping An Life and Huaxia Bank have been actively involved in supporting these events, providing services and resources to ensure a positive experience for participants [11][39]. Group 4: International Event Support - Dalian is becoming a significant venue for international sports events, with financial institutions like Bank of China providing comprehensive financial support for events such as the International Football World Cup [13][40]. - The successful hosting of international events relies on a robust safety and insurance framework, with companies like MetLife providing tailored insurance solutions for participants and staff [14][41]. Group 5: Integration of Sports and Tourism - Dalian is leveraging sports events to drive the integration of tourism, culture, and consumption, promoting the "Follow the Event to Tour Dalian" brand [16][43]. - Financial institutions are innovating products to support tourism-related businesses, such as "宿易贷" and "餐易贷," which provide significant funding to enhance the tourism economy [18][44]. Group 6: Future Prospects - Dalian has been recognized as a national pilot city for sports consumption, with tourism revenue reaching 99.15 billion yuan in the first half of 2025, a 300.72% increase from 2022 [20][47]. - The financial sector is expected to continue deepening its integration with the sports industry, contributing to the city's economic growth and the development of a vibrant sports economy [20][47].

Group 1 - Yang Xilin has publicly appeared as a member of the Party Committee of Postal Savings Bank, indicating an expansion of the bank's executive team [1] - Yang has extensive experience within the Postal Savings Bank system, previously serving as the General Manager of the Financial Interbank Department, and has solid regional management experience [1] - The establishment of a Financial Market Business Director position reflects the bank's intention to strengthen its development in financial markets and asset management [1] Group 2 - Postal Savings Bank is continuously promoting balanced development in retail and corporate financial businesses [2] - As of the end of Q3 2025, the bank's total assets reached approximately 18.61 trillion yuan, an increase of 8.90% from the previous year, with total customer loans amounting to about 9.62 trillion yuan, up 8.33% [2] - The bank achieved an operating income of 265.08 billion yuan in the first three quarters, a year-on-year increase of 1.82%, and a net profit of 76.79 billion yuan, up 1.07% [2] Group 3 - The non-interest net income for the first three quarters was 31.48 billion yuan, an increase of 6.79 billion yuan, representing a growth rate of 27.52% [3] - The increase in non-interest income is attributed to enhanced market analysis and increased trading of bonds and bills, leading to higher trading margin profits [3] - The current senior management team of the bank consists of seven members, including the Executive Director and President Liu Jianjun and several Vice Presidents [3]