Group 1 - The state-owned large bank sector experienced a decline of 0.64% on September 29, with Postal Savings Bank leading the drop [1] - The Shanghai Composite Index closed at 3862.53, up 0.9%, while the Shenzhen Component Index closed at 13479.43, up 2.05% [1] - The trading performance of individual state-owned banks showed varied results, with Agricultural Bank of China remaining flat at 6.62, while Postal Savings Bank fell by 1.69% to 5.83 [1] Group 2 - The net capital outflow from the state-owned large bank sector amounted to 6.55 million yuan, with retail investors showing a net inflow of 24.4 million yuan [1] - The detailed capital flow for individual banks indicated significant outflows for Postal Savings Bank and China Construction Bank, while Agricultural Bank of China saw a minor net inflow from retail investors [2] - The data shows that Postal Savings Bank had a net outflow of 85.90 million yuan from institutional investors, while retail investors contributed a net inflow of 93.80 million yuan [2]

Group 1 - The meeting between Shandong Agricultural Guarantee Tai'an Management Center and Postal Savings Bank aimed to enhance cooperation in policy promotion, project docking, and risk prevention, focusing on improving financial services for agriculture and rural revitalization [1][2] - A new policy was introduced, effective from August 20, 2025, to August 19, 2028, which reduces the guarantee fee rate for new grain planting guarantee business to 0.3%, thereby lowering financing costs for grain operators [1] - The current interest subsidy policies were discussed, highlighting that not only the grain industry but also high-efficiency vegetables, high-end livestock, and Taishan tea are included in the support scope, promoting a dual-driven development model of "food security + characteristic agriculture" [1] Group 2 - The discussion included risk resolution for existing projects and collaboration on business advancement, identifying challenges and analyzing causes of certain risk projects [2] - A consensus was reached on enhancing joint marketing, optimizing approval processes, and strengthening information sharing to improve financing guarantee services for agricultural operators [2] - Future collaboration will focus on deepening cooperative mechanisms and ensuring smooth communication channels to provide more convenient, efficient, and low-cost financing guarantee services [2]

Core Viewpoint - Postal Savings Bank of China (PSBC) experienced a decline of 1.69% in stock price on September 29, with a trading volume of 845 million yuan and a market capitalization of 700.15 billion yuan [1] Financial Performance - PSBC's dividend yields over the past three years were 5.58%, 6.00%, and 4.61% respectively [2] - For the first half of 2025, PSBC reported a net profit of 49.228 billion yuan, representing a year-on-year growth of 0.85% [7] Shareholder Information - As of June 30, 2025, the number of PSBC shareholders was 164,100, a decrease of 10.31% from the previous period [7] - The average number of circulating shares per shareholder increased by 11.66% to 415,086 shares [7] - PSBC has distributed a total of 137.796 billion yuan in dividends since its A-share listing, with 77.395 billion yuan distributed over the last three years [8] Institutional Holdings - As of June 30, 2025, Hong Kong Central Clearing Limited was the fourth largest circulating shareholder, holding 942 million shares, an increase of 60.826 million shares from the previous period [8] - Other notable institutional shareholders include Huaxia SSE 50 ETF and Huatai-PineBridge CSI 300 ETF, with significant increases in their holdings [9] Business Overview - PSBC, established on March 6, 2007, and listed on December 10, 2019, provides a range of banking and financial services in China [6] - The bank's main business segments include personal banking (69.57% of revenue), corporate banking (19.70%), and funding operations (10.65%) [6]

Core Viewpoint - Postal Savings Bank of China Beijing Branch actively participated in the "15-Minute Quality Life Festival," focusing on "protecting financial rights and supporting a better life" through credit card consumer rights protection activities, effectively filling the gap in community financial rights protection services [1][7]. Group 1: Event Overview - The event featured an "interactive experience area" designed to enhance citizen engagement and deepen their understanding of financial consumer protection knowledge through fun activities like a throwing game and a quiz [3]. - Participants learned about high-frequency financial risk prevention knowledge and practical credit card skills, including identifying risks such as "false credit card limit increases" and "investment scams," as well as understanding credit card fees and repayment methods [3]. Group 2: Community Impact - A community resident expressed appreciation for the event, noting that the interactive format and staff explanations helped clarify previously misunderstood credit card regulations and associated risks [5]. - The bank's representative emphasized that community residents are key participants in financial consumption and should be a focus for financial consumer protection efforts, aiming to integrate consumer protection concepts into public awareness through engaging methods [7]. Group 3: Future Plans - The Postal Savings Bank of China Beijing Branch plans to continue focusing on community financial service needs by organizing more accessible and effective financial knowledge promotion activities, fulfilling its social responsibility as a financial institution [7]. - The bank aims to embed financial protection services into every "15-minute" community scenario, contributing to a safer and healthier financial consumption environment and supporting high-quality economic development in the Beijing area [7].

Core Viewpoint - The Postal Savings Bank of China in Jiaozuo City is actively enhancing students' awareness of telecom network fraud and their legal rights through educational campaigns in schools [1][2]. Group 1: Campaign Activities - The bank organized a "Campus Outreach" campaign during the Financial Education Promotion Week, which effectively raised awareness among students [1]. - Employees from the bank visited local kindergartens to explain common fraud tactics such as "emergency payment impersonating parents," "fake financial products related to education," and "imitation of official refund processes" [1]. - The campaign utilized a method of "case analysis + legal clause comparison" to dissect the key elements of fraud, focusing on how fraudsters exploit trust and information gaps [1]. Group 2: Educational Tools and Resources - The bank provided on-site guidance for teachers to install the "National Anti-Fraud Center" app and taught them the "three no's and one more" anti-fraud mantra to quickly acquire practical fraud prevention skills [1]. - A financial education consultation desk was set up in classrooms to educate students and teachers about illegal financial behaviors, particularly focusing on "campus loans" and their implications [1]. - The initiative emphasized the legal rights of financial consumers, helping participants understand how to protect their rights in financial matters [1]. Group 3: Future Plans - The Postal Savings Bank of China in Jiaozuo City plans to continue its commitment to "finance for the people" by collaborating with the education system to offer customized financial knowledge services for students and teachers [2]. - The bank aims to engage more students in these activities, promoting a better campus life through financial literacy [2].

Group 1 - The overall ranking of the bank social media index (SMI) for August 2025 shows stability, with changes primarily in the mid-tier banks, where WeBank, Zhejiang Bank, Jiangxi Bank, and Guiyang Bank replaced Jinshan Bank, Hebei Bank, Industrial Bank, and Chouzhou Bank from the previous month [1] - Postal Savings Bank's content on Douyin received nearly 160,000 likes, breaking the dominance of WeBank's series, showcasing the bank's integration of business expansion with ecological protection initiatives, aligning with societal values on environmental responsibility [2] - The video content from various banks focuses on anniversary promotions, semi-annual reports, and consumer loan interest subsidies, with WeBank leveraging popular sports events to engage audiences effectively [3] Group 2 - The top banks on Douyin include Postal Savings Bank with an index of 84.47, followed by Hengfeng Bank at 82.96, and WeBank at 82.58, indicating strong engagement on social media platforms [12] - The video account rankings highlight Industrial Bank leading with an index of 81.52, followed by招商银行 (China Merchants Bank) at 80.08, and NewNet Bank at 79.59, reflecting their effective content strategies [15] - The public account rankings show China Construction Bank at the top with an index of 84.66, followed by Bank of China at 83.61, and Postal Savings Bank at 83.53, demonstrating their strong outreach and engagement [18]

Core Viewpoint - Postal Savings Bank of China (PSBC) demonstrated its commitment to customer service by providing on-site banking services to employees in the Ejin Banner Populus Euphratica Forest Scenic Area, addressing the challenges of remote banking access [1] Group 1: Service Initiative - PSBC Gansu Branch organized a mobile banking service from September 19 to 22, traveling over 400 kilometers to reach the scenic area [1] - The initiative was a response to the needs of a partner company facing difficulties in having employees gather at a bank branch for card issuance [1] - Upon arrival, the bank staff set up a temporary service station and efficiently managed the card issuance process [1] Group 2: Customer Satisfaction - Customers expressed satisfaction with the service, highlighting the convenience and efficiency of the on-site banking process [1] - The service allowed employees to complete the card application without disrupting their work, showcasing the bank's customer-centric approach [1] Group 3: Economic Impact - This initiative effectively addressed the "last mile" issue in salary distribution, facilitating smoother cooperation between the bank and local businesses [1] - PSBC's actions reflect its commitment to supporting local economic development and fulfilling its service philosophy of "serving the people" [1]

Core Insights - Postal Savings Bank of China (PSBC) is innovating financial services to support local industries in Zhanjiang under the national strategy of "financial empowerment for the real economy" [1] - The bank has introduced differentiated credit products and service models tailored to the industrial characteristics of Zhanjiang, providing comprehensive financial support to various enterprises [1] Group 1: Support for Private Enterprises - PSBC Zhanjiang Branch launched the "Xiao Wei Yi Dai" credit loan product to meet the financing needs of private enterprises [2] - The bank's customer manager provided proactive on-site services to understand the operational scale and order flow of Zhanjiang Changxing Color Printing Co., successfully matching their needs with the loan product without requiring collateral [2] - The bank's efficient processes and attentive service have garnered high recognition and praise from enterprises [2] Group 2: Technology Financial Services - The bank employs a "qualification credit + future capacity assessment" approval model for technology financial services [3] - Guangdong Xinbangle Technology Co., a provincial-level specialized enterprise, received 20 million yuan in "Science and Innovation Loans" with a streamlined approval process completed in just 7 working days [3] - This funding effectively addressed the company's capital needs for expanding production by supporting the procurement of kaolin raw materials [3] Group 3: Support for Rural Revitalization - PSBC Zhanjiang Branch has increased its financial support for rural revitalization by launching various agricultural credit products [4] - A farmer in Leizhou received 1.5 million yuan in loans, enabling him to contract an additional 364 acres of land, demonstrating the bank's quick approval process [4] - The bank has provided nearly 900 million yuan in loans to technology enterprises and 14.6 billion yuan to small and micro enterprises this year, effectively addressing financing challenges for private enterprises [4] Group 4: Future Plans - The bank plans to continue deepening its focus on county markets and increasing financial investments in key areas such as specialty agriculture and rural revitalization [4] - PSBC aims to enhance financial services to support farmers' income growth and improve industry efficiency, contributing to the high-quality economic development of Zhanjiang County [4]

Group 1 - Postal Savings Bank of China (PSBC) experienced a stock price decline of 2.02% on September 29, with a trading price of 5.81 CNY per share and a total market capitalization of 697.75 billion CNY [1] - Year-to-date, PSBC's stock price has increased by 7.24%, but it has seen a decline of 2.52% over the last five trading days and 4.60% over the last twenty days [1] - The bank's main business segments include personal banking (69.57% of revenue), corporate banking (19.70%), and funding operations (10.65%) [2] Group 2 - As of June 30, PSBC reported a net profit of 49.23 billion CNY for the first half of 2025, reflecting a year-on-year growth of 0.85% [3] - The bank has distributed a total of 137.80 billion CNY in dividends since its A-share listing, with 77.40 billion CNY distributed over the past three years [4] - The number of shareholders decreased by 10.31% to 164,100, while the average number of circulating shares per person increased by 11.66% to 415,086 shares [3]

格隆汇9月29日｜A股市场银行股多数下跌，其中，邮储银行、西安银行、浦发银行、中信银行跌超 1%。 ...