Core Insights - Postal Savings Bank of China (PSBC) Jin Hua Branch has provided a technology credit loan of 28 million yuan to Zhejiang Hengcheng Hard Alloy Co., Ltd., a private enterprise specializing in tungsten products, to alleviate financial pressure due to increased inventory and production costs [1][2] - The PSBC Jin Hua Branch has launched technology credit loans to address the financing difficulties faced by "specialized, refined, and innovative" enterprises, which often lack traditional collateral [2] Group 1 - Zhejiang Hengcheng Hard Alloy Co., Ltd. is a "specialized, refined, and innovative" private enterprise engaged in the research, production, and sales of tungsten products [1] - The company faced significant financial pressure with an average inventory investment of nearly 10 million yuan per production line due to increased product inventory [1] - The PSBC Jin Hua Branch's technology credit loan program allows for unsecured loans, with the maximum credit limit reaching 100 million yuan, thereby broadening financing options for technology-based enterprises [2] Group 2 - As of August 2025, the PSBC Jin Hua Branch has issued over 5.1 billion yuan in loans to "specialized, refined, and innovative" and technology enterprises, reflecting a growth rate of over 14% [2] - The Jin Hua region is accelerating the construction of a modern industrial system, focusing on ten key industrial chains to foster new productive forces and develop a strong advanced manufacturing city [2] - The PSBC Jin Hua Branch is committed to enhancing financial support for private advanced manufacturing and small to medium-sized enterprises, contributing to the local economy and the development of key industrial chains [2]

证券之星消息，9月25日国有大型银行板块较上一交易日下跌0.45%，邮储银行领跌。当日上证指数报收 于3853.3，下跌0.01%。深证成指报收于13445.9，上涨0.67%。国有大型银行板块个股涨跌见下表： | 代码 | 名称 | 主力净流入 (元) | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入 (元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601288 农业银行 | | 1.17亿 | 3.86% | -1.48亿 | -4.86% | 3060.69万 | 1.01% | | 601939 建设银行 | | 3537.00万 | 3.53% | -1.12 乙 | -11.22% | 7706.27万 | 7.69% | | 601328 交通银行 | | -558.68万 | -0.63% | -1231.62万 | -1.38% | 1790.30万 | 2.00% | | 601988 中国银行 | | -2230.44万 | -1.74% | -1494.53万 | -1.17% | ...

活动围绕"保障金融权益 助力美好生活"主题，以"全覆盖、接地气、重实效"为原则，通过形式多样、 内容丰富的金融知识普及模式，将金融服务与教育融入各类生活场景。 走进邮储银行三门峡市分行各营业网点，宣传专区摆放着精心设计的海报与宣传册，内容涵盖从基础金 融知识到最新风险防范要点。大厅电子屏幕上循环播放着金融知识宣传动画视频，让客户在办理业务等 待间隙也能获取金融知识。 与此同时，宏远农贸市场里，邮储银行陕州区支行的宣传咨询台前围满了市民。工作人员热情发放宣传 资料，开展金融知识问答小游戏，向广大市民讲解防范非法集资、电信诈骗的要点。 来源：环球网 为提升公众金融素养、增强风险防范意识，切实维护金融消费者合法权益，近日，邮储银行三门峡市分 行开展了为期一周的"金融教育宣传周"活动。 据介绍，此次金融教育宣传周，邮储银行三门峡市分行以场景化、精准化服务，将金融知识送到群众身 边。下一步，该行将持续创新宣教形式，深化金融教育普及工作，用专业服务守护公众金融权益，助力 市民美好生活。 邮储银行灵宝市支行则联合乡镇人民政府到阳平镇横涧村开展"金融知识专场"培训，通过把课堂设在村 委会，用"讲故事"的方式还原骗局，把诈骗套 ...

Core Viewpoint - Postal Savings Bank of China (PSBC) experienced a decline of 1.32% in stock price on September 25, with a trading volume of 782 million yuan and a market capitalization of 718.168 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 attributable to shareholders of 49.228 billion yuan, reflecting a year-on-year growth of 0.85% [7] Shareholder and Market Activity - As of June 30, 2025, the number of PSBC 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 [7] - The stock's main net inflow today was -52.5488 million yuan, with a market ranking of 5 out of 6 in its industry, indicating a lack of clear trend in major funds [3][4] Company Overview - PSBC, established on March 6, 2007, and listed on December 10, 2019, is headquartered in Beijing and 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] Institutional Holdings - As of June 30, 2025, the top ten circulating shareholders included Hong Kong Central Clearing Limited, which increased its holdings by 60.8263 million shares to 942 million shares [8][9]

Group 1 - Postal Savings Bank of China (PSBC) is actively supporting local industry clusters in Maoming, Guangdong through innovative financial services and differentiated credit policies [1] - The bank provides full lifecycle financial services to local enterprises, enhancing the economic development of Maoming [1] Group 2 - Guangdong Huifa Plastic Technology Co., Ltd. received differentiated credit support from PSBC, increasing its credit limit from 5 million to 30 million yuan since their partnership began in 2019 [2] - The bank introduced a 10 million yuan online domestic letter of credit for the company, reducing financing costs to around 2% [2] Group 3 - Guangdong Xianlai Medical Device Co., Ltd. has received increasing loan support from PSBC, starting with 2 million yuan in December 2019 and rising to 13 million yuan by July 2024 [2] - This financial support has enabled the company to expand its operations and enhance its production capacity [2] Group 4 - Maoming's Baqi Microelectronics Co., Ltd. has benefited from PSBC's financial backing, receiving 12 million yuan in support for its chip development while establishing a production base with a 90 million yuan investment [3] - The company has achieved significant milestones, including over 70 utility model patents and an expected annual output value of 200 million yuan upon full production [3] Group 5 - PSBC is committed to enhancing its financial service system to support the high-quality development of the local economy, focusing on the unique industrial layout of Maoming [3]

Core Viewpoint - The article highlights the significant role of private enterprises in Hunan Province's economy, emphasizing the support provided by Postal Savings Bank to address financing challenges and promote growth [1][2]. Group 1: Private Enterprises in Hunan - As of the end of 2024, there are 7.35 million private enterprises in Hunan, which are crucial for employment, market prosperity, and improving livelihoods [1]. - The Postal Savings Bank of Hunan has a loan balance of nearly 87 billion yuan for the private economy, serving approximately 130,000 private enterprises [1]. Group 2: Financial Support and Innovation - A specific intelligent technology company received over 70 million yuan in funding from Postal Savings Bank, enabling it to focus on research and development and scale up operations [2]. - The bank provided a 10 million yuan "Science and Technology Credit Loan" and additional credit of 60 million yuan to help a company expand production amid increasing orders [3]. - The bank's customized financial services are designed to assist enterprises in understanding and utilizing government policies and subsidies effectively [3][4]. Group 3: Case Studies of Beneficiary Companies - A high-tech optical company in Changde has invested 3% of its sales revenue in R&D and achieved an order volume of 160 million yuan in the first quarter of the year [4]. - The bank has developed innovative evaluation systems focusing on R&D capabilities and patent numbers to address funding challenges for tech enterprises [4]. - A new materials company in Shaoyang, recognized as a "little giant" enterprise, received 1.6 million yuan in loans to support its initial operations and has since expanded its credit to 16 million yuan [5][6]. Group 4: Future Outlook - The bank aims to continue supporting private enterprises, enhancing their growth and development through financial services, and contributing to the overall economic vitality of Hunan Province [6].

Core Viewpoint - Postal Savings Bank of China (PSBC) has experienced a decline in stock price recently, with a year-to-date increase of 9.45% and a market capitalization of approximately 712.16 billion yuan [1][2]. Financial Performance - As of June 30, 2025, PSBC reported a net profit of 49.23 billion yuan, reflecting a year-on-year growth of 0.85% [3]. - The bank's cumulative cash distribution since its A-share listing amounts to 137.80 billion yuan, with 77.40 billion yuan distributed over the past three years [4]. Shareholder Information - The number of shareholders decreased by 10.31% to 164,100 as of June 30, 2025, while the average circulating shares per person increased by 11.66% to 415,086 shares [3]. - Major shareholders include Hong Kong Central Clearing Limited, which holds 942 million shares, an increase of 60.83 million shares from the previous period [4]. Business Segmentation - PSBC's main business segments include personal banking (69.57% of revenue), corporate banking (19.70%), and funding operations (10.65%) [2].

9月19日，由该分行副行长王镇带队，联合市邮政公司、市分行及巴州区支行组成志愿服务队，在巴州 区新天地广场设置宣传点，面向市民开展金融知识教育宣传。现场通过发放折页、案例讲解等形式，普 及基础金融产品知识，介绍"金融为民办实事"相关惠民举措。巴州区支行还走进巴城印象文创园，为商 户、游客及社区居民提供面对面的金融咨询服务。 邮储银行巴中市分行副行长王镇向市民宣讲金融基础知识 深入县域基层，精准提示金融风险 活动覆盖巴中市辖内多个区县，针对性开展"风险提示送上门"行动。平昌县支行走进县第二小学，为师 生带来防范电信诈骗、识别假币、反洗钱等实用知识，帮助青少年树立理性金融观念。南江县支行在大 堂坝广场设点，聚焦"AI换脸诈骗"、"征信修复"骗局、"套路贷"等热点风险，与群众互动交流。通江县 支行则深入社区开展走访宣传，提示远离非法集资和电信诈骗。 拓展线上渠道，增强宣传互动性和传播力 转自：推广 为进一步提升金融消费者风险防范意识和能力，切实维护消费者合法权益，9月15日至19日，邮储银行 巴中市分行积极响应监管及上级行号召，组织开展"金融教育宣传周"系列活动。活动以"保障金融权益 助力美好生活"为主题，通过线上 ...

Group 1 - Postal Savings Bank's staff successfully intercepted a telecom fraud attempt, helping a customer avoid a loss of 300,000 yuan [1] - The customer was induced to download a suspicious meeting app, which allowed the fraudster to remotely control her phone [1] - The bank's manager quickly identified the situation as a typical "induced app download remote control" scam and took immediate action to assist the customer [1] Group 2 - The bank's employee provided emotional support and guided the customer to uninstall the suspicious app and report all bank accounts for loss prevention [1] - The incident highlights the bank's strong anti-fraud capabilities and responsible service attitude [1] - Postal Savings Bank advises customers to be cautious of unknown calls, avoid downloading unverified apps, and not disclose sensitive information [1]

Core Viewpoint - Postal Savings Bank of China (PSBC) announced the absorption and merger of its wholly-owned subsidiary, Postal Huinong Bank, to optimize management and business structure, resulting in the cancellation of the latter's independent legal status and the transfer of all its assets and liabilities to PSBC [1][4][5]. Group 1: Merger Details - The board of PSBC approved the merger proposal, which will be submitted to the shareholders' meeting and requires approval from the National Financial Regulatory Administration [5]. - The merger aims to enhance operational efficiency by integrating Postal Huinong Bank's online operational experience and resources into PSBC, thereby reducing management costs and improving overall operational efficiency [5][6]. Group 2: Postal Huinong Bank's Performance - Established in January 2022, Postal Huinong Bank had total assets of 12.005 billion yuan and over 20 million registered users by June 2023 [6]. - The bank reported a revenue of 150 million yuan in the first half of 2023, a year-on-year increase of 12.78%, while its net loss decreased by 38.74% compared to the previous year [6][7]. Group 3: Industry Context - Prior to the merger, there were only two independent legal direct banks in China, with the other being Citic Baixin Bank, which has a total asset of 119.516 billion yuan and a net profit of 472 million yuan as of June 2023 [8][9]. - The establishment of new independent direct banks has become increasingly challenging due to stricter regulatory policies and market saturation, leading to a trend of consolidation within the industry [9][10].