Core Insights - China Postal Savings Bank (Postal Bank) is actively extending financial services to support the autumn harvest, addressing urgent needs of farmers during critical weather conditions [1][2][3] - The bank has implemented an "autumn harvest financial emergency service mechanism" to expedite loan approvals and provide timely assistance to farmers [2][3] Group 1: Financial Support Initiatives - Postal Bank's Shandong branch has developed targeted service plans for the grain industry, conducting proactive outreach to identify urgent needs such as machinery leasing and funding [1] - The bank has established a "green channel" for loan processing, ensuring priority handling and expedited approvals for farmers facing challenges due to adverse weather [1][2] Group 2: Case Studies of Support - Lu Junxin, a cooperative leader in Henan, received a loan to purchase new harvesting equipment, enabling efficient grain collection during a critical weather window [2] - In Shandong, a company utilized Postal Bank's support to enhance its grain drying capacity, doubling its processing capability to meet increased demand from local farmers [2] - Yang, a large-scale grain grower in Hebei, secured a loan for harvesting and drying equipment, allowing him to assist neighboring farmers while maintaining his own harvest [3] Group 3: Future Commitment - Postal Bank plans to continue its commitment to providing high-quality financial services to support national food security, ensuring timely assistance to farmers [3]

Core Insights - The article highlights the success of Song's Cassava Industry Co., Ltd. in Deqing, which has transformed the cassava industry into a local agricultural specialty, supported by financial backing from Postal Savings Bank [1][5] Group 1: Company Overview - Song's Cassava Industry Co., Ltd. is recognized as a national high-tech enterprise and a specialized small and medium-sized enterprise in Jiangxi Province, focusing on the entire cassava industry chain from cultivation to deep processing [1][2] - The company has developed a range of products, including "Sugar No Worries" cassava tablets and "Wang Cassava" drinks, achieving annual sales exceeding 100 million yuan [1][2] Group 2: Financial Support and Growth - Postal Savings Bank provided 5 million yuan in credit support, enabling the expansion of the cassava seed breeding base and the upgrade of deep processing production lines [1][5] - The bank's "Science and Technology Innovation Loan" facilitated a 300,000 yuan credit loan within three working days, allowing the company to expand its breeding base to 1,800 acres, producing over 20 million high-quality cassava seedlings annually [2][3] Group 3: Industry Impact - The company’s growth has positively impacted local farmers, with an average income increase of over 3,000 yuan per acre, contributing to an annual output value of 51 million yuan [4][6] - The company has also addressed the challenge of cassava waste recycling, developing a product that significantly exceeds the polysaccharide content of ordinary wood-based products, enhancing the overall value chain [4][5] Group 4: Future Prospects - The Postal Savings Bank aims to continue supporting local industries with tailored financial products, enhancing the growth of agriculture and rural development [5][6] - The "company + base + farmer" model has successfully increased the income of thousands of farmers, establishing cassava as a vital industry for rural prosperity [6]

Core Viewpoint - The article emphasizes the significance of the 20th Central Committee's Fourth Plenary Session in guiding the financial sector towards achieving the goals of the 15th Five-Year Plan and advancing China's modernization efforts [2][12][27]. Group 1: Importance of the 20th Central Committee's Fourth Plenary Session - The session is deemed crucial for uniting the party and the nation in the pursuit of modernization and national rejuvenation [2][26]. - It provides a strategic framework for the next five years, highlighting the importance of the 15th Five-Year Plan in ensuring decisive progress towards socialist modernization [2][12][22]. Group 2: Implementation of the Session's Spirit - Financial institutions are tasked with deeply understanding and implementing the session's spirit as a major political responsibility [3][9][23]. - There is a call for comprehensive learning and promotion of the session's principles across all levels of the financial sector [4][18][28]. Group 3: Strategic Focus Areas - Financial institutions must align their operations with the major tasks outlined in the 15th Five-Year Plan, focusing on high-quality development and risk management [5][10][19]. - Emphasis is placed on serving the real economy and supporting initiatives that promote common prosperity and sustainable development [5][10][29]. Group 4: Strengthening Party Leadership - The meetings stress the necessity of maintaining strong party leadership within financial institutions to ensure effective implementation of policies [11][20][24]. - Continuous efforts are required to enhance the political responsibility of party organizations within the financial sector [11][20][25].

来源：环球网 为切实提升青年学生群体防范网络诈骗的意识，普及金融安全知识，近日，邮储银行新乡市分行走进当 地高校，开展"反诈拒赌校园行"主题宣传活动，为在校师生送上一堂生动的"反诈安全课"。 活动采用"固定宣传+互动讲解"的模式，构建了全方位的宣传场景。活动现场设置反诈咨询台、悬挂宣 传条幅，邮储银行新乡市分行工作人员主动向过往师生发放宣传资料，结合生动案例，讲解相关法律法 规以及发类案件、防诈关键词、反诈利器等内容，用"面对面讲解、手把手教学"的方式，引导大家识别 和防范网络刷单诈骗、虚假网络投资理财类诈骗、贷款征信类诈骗等常见诈骗手段。 为强化"技防"能力，工作人员还引导师生下载"国家反诈中心"APP等"反诈利器"，逐一演示APP内核心 功能的使用方法，提醒大家开启"来电预警"功能，实时拦截诈骗电话与短信，提高自我保护能力。 据介绍，此次反诈宣传活动得到了高校师生的广泛认可与积极参与。大家纷纷表示，通过此次宣传，不 仅认清了各类诈骗手段的"真面目"，更掌握了实用的防骗方法，未来会主动向身边同学、家人、朋友传 播反诈知识，共同打造"全民反诈、校园无诈"的安全环境。（畅珊珊 张琳） ...

Core Viewpoint - Postal Savings Bank of China (PSBC) is actively responding to biodiversity protection and green development requirements by focusing on organic agriculture, green energy, and environmental protection, providing financial support for local biodiversity conservation and economic development [1][2] Group 1: Financial Support Initiatives - PSBC has optimized its credit allocation structure to support key areas of biodiversity protection, particularly in biomass energy utilization facilities, with a loan balance of 135 million yuan as of the end of September [1] - The bank has also invested in public environmental sectors such as water supply, sewage treatment, and heating, with loan balances of 33 million yuan for water supply, 126 million yuan for heating, and 1.9 million yuan for sewage treatment [1] Group 2: Service Model and Inclusive Finance - The bank has enhanced its service efficiency by collaborating with agricultural departments and guarantee institutions to address financing challenges for operational entities, resulting in 27 loans totaling 81 million yuan for a beef breeding project [1] - Additionally, PSBC partnered with a local agricultural company to provide 52 loans amounting to 9.84 million yuan to support upstream and downstream agricultural stakeholders, ensuring smooth financing channels for agricultural entities [1] Group 3: Future Plans - PSBC plans to further deepen its biodiversity financial services by optimizing credit processes and products, and expanding support areas to contribute more to local biodiversity protection and green inclusive development [2]

Core Viewpoint - Postal Savings Bank is focusing on enhancing financial services for agricultural products to support rural revitalization, having issued 897 million yuan in grain purchase loans to over 1,000 entities by the end of September [1]. Group 1: Financial Services Initiatives - The bank has established a three-tier leadership mechanism to promote summer grain purchases and rural revitalization [1]. - It has introduced a new credit product with a maximum limit of 3 million yuan and increased single loan limits to 5 million yuan during peak grain purchase seasons [1]. - The bank has expanded its dedicated rural revitalization customer manager team to 55, optimizing service delivery by transitioning from "customer visits" to "bank visits" for faster loan approvals [1]. - A total of 134 business outlets have been established, with 85.07% located in counties and below, along with 943 card acceptance terminals to enhance rural financial service accessibility [1]. Group 2: Challenges and Solutions - The bank faces challenges such as irregular operations of new agricultural entities, lack of collateral, negative online loan records affecting credit, and information asymmetry leading to delayed financing [2]. - To address these issues, the bank suggests exploring online collateralization of "two rights" and promoting government-backed special quotas to reduce financing costs [2]. Group 3: Future Plans - The bank plans to continue optimizing financial services for "vegetable basket" products to inject more financial momentum into rural revitalization efforts [3].

Core Insights - The Postal Savings Bank of China in Binzhou is focusing on supporting the "5210N" industrial cluster's high-quality development through enhanced credit offerings and collaboration with enterprises [1][2] - As of September 2025, the bank's credit balance for the "5210N" industrial cluster reached 4 billion yuan, covering multiple provincial-level characteristic industrial clusters [1] Group 1: Financial Support and Credit Allocation - The bank has strategically invested in the new energy sector, approving four photovoltaic and energy storage projects in 2025, with total loans amounting to 779 million yuan [1] - The bank is the lead bank for the 300MW fish-solar complementary photovoltaic project in Zhanhua District, taking on a share of 410 million yuan through a syndicate model, which helps mitigate risks and enhance industry collaboration [1] - The bank offers specialized services for small enterprises, providing credit products that cover various sectors, with a maximum credit limit of 10 million yuan and a term of up to three years [1] Group 2: Innovative Loan Products - In the personal loan sector, the bank has introduced a 3 million yuan credit loan for specific industries, increasing the property mortgage rate to 85% [1] - The bank is enhancing its support for small and micro enterprises by reducing the FTP rates on loans, thereby stimulating service capabilities [2] - Future plans include further deepening financial support to improve the quality and efficiency of the "5210N" industrial cluster [2]

Group 1 - The Hang Seng Index rebounded, closing up 0.72%, with the internet sector leading the gains, followed by banking, industry, technology, and real estate sectors [1] - The internet sector saw a rise of 1.07%, with Meituan up 4.06%, Alibaba up 1.67%, Tencent Holdings up 1.52%, JD Group up 1.5%, and Baidu Group up 1.22%. However, companies like SenseTime, Bilibili, and Kingdee International experienced declines [3] - The banking sector opened strong and maintained a consolidation above the midline, closing up 0.88%, with Postal Savings Bank rising 4.59% and Minsheng Bank up 2.39% [3] Group 2 - The consumer sector rebounded, closing up 0.35%, with notable gains from companies like Chenzi Biological up 6.68%, Li Ning up 6.55%, and Sands China up 4.4% [3] - The healthcare sector opened low and saw a slight reversal near the end, closing down 1.31%, with CSPC Pharmaceutical down 2.96% and China Biopharmaceutical down 2.78% [3]

Core Insights - The article highlights the top-performing stocks in the S&P China A-Share Dividend Opportunity Index, showcasing significant price increases and dividend yields [1] Group 1: Stock Performance - Tianshan Aluminum (002532.SZ) leads with a year-to-date increase of 68.53% and a recent gain of 5.12%, along with a dividend yield of 3.07% [1] - Postal Savings Bank of China (601658.SH) shows a year-to-date increase of 10.83% and a recent gain of 4.71%, with a dividend yield of 3.60% [1] - DeYe Co., Ltd. (605117.SH) has a year-to-date increase of 30.95% and a recent gain of 4.61%, with a dividend yield of 3.52% [1] - Mercury Home Textiles (603365.SH) reports a year-to-date increase of 22.70% and a recent gain of 4.35%, with a dividend yield of 4.68% [1] - Action Education (605098.SH) has a year-to-date increase of 22.78% and a recent gain of 3.51%, with a dividend yield of 5.45% [1] Group 2: Additional Notable Stocks - China Petroleum (601857.SH) shows a year-to-date increase of 8.39% and a recent gain of 3.15%, with a dividend yield of 5.12% [1] - Shenhuo Co., Ltd. (000933.SZ) has a year-to-date increase of 45.92% and a recent gain of 2.97%, with a dividend yield of 3.33% [1] - Yutong Bus (600066.SH) reports a year-to-date increase of 18.44% and a recent gain of 2.82%, with a dividend yield of 6.77% [1] - Tunnel Engineering (600820.SH) has a year-to-date increase of 2.68% and a recent gain of 2.73%, with a dividend yield of 4.48% [1] - Jiangsu Guotai (002091.SZ) shows a year-to-date increase of 22.25% and a recent gain of 2.14%, with a dividend yield of 4.66% [1]

Core Viewpoint - The digital finance industry in China is experiencing a "retreat tide," marked by the closure and integration of various banking apps and payment licenses, indicating the end of an era characterized by rapid expansion and imitation of internet strategies without understanding the underlying ecosystem [2][5][28]. Group 1: Industry Trends - The number of credit cards and loan cards has decreased to 715 million, down 6 million from the previous quarter and 12 million from the end of last year, marking a continuous decline for 11 consecutive quarters [8]. - The total loan balance for credit cards among 14 listed banks fell by 2.56% in the first half of the year, while transaction volumes dropped by 11.1% year-on-year [9]. - The number of direct banks has significantly decreased, with 21 banks ceasing operations of their direct banking apps in 2023, reflecting a shift in strategy among banks [11][12]. Group 2: Market Dynamics - The mobile banking app user base has stagnated between 650 million and 700 million over the past three years, with daily usage time dropping from 4.9 minutes to 2.7 minutes, a decline of over 40% [11]. - The third-party payment industry is undergoing significant consolidation, with 107 payment licenses revoked, leaving only 164 licensed institutions, as many smaller players exit the market [14][25]. - Major state-owned banks are increasingly dominating the market, with their apps consistently ranking among the top ten in monthly active users, while smaller banks struggle to maintain user engagement [22][24]. Group 3: Challenges Faced - The industry faces issues of homogenization, with many banking apps offering similar services that overlap significantly with their parent bank's main app, leading to redundancy [21]. - High operational costs associated with maintaining multiple apps have resulted in unsustainable business models, particularly for smaller banks and direct banks [21]. - Regulatory scrutiny is increasing, with the government mandating the integration or shutdown of apps with low user engagement and poor functionality [26]. Group 4: Future Opportunities - The focus of competition is shifting from quantity to quality, emphasizing compliance and ecosystem collaboration over mere user acquisition [30]. - Banks are expected to concentrate resources on core services, transitioning from product-oriented strategies to user-centric approaches, leveraging data to meet diverse customer needs [30]. - The rise of digital currencies and advancements in payment technologies present new opportunities for growth in the financial sector, particularly in cross-border payments [31][32].