4月10日，民生银行广州分行收到当地一家企业送来印有"跨境反诈守正义，金融卫士保平安"的锦旗，对该行帮助企业 追回跨境电诈资金表示感谢。 "五年了，我们一度都想放弃了，但民生银行一直没有放弃，坚持帮我们追回了资金！"该企业相关负责人激动地说。 谈及此次经历，该企业负责人激动地说："周围的朋友都说，跨国诈骗追款几乎不可能，这么多年，我们都一度想放 弃了，但民生银行一直没有放弃，坚持帮我们追回资金！对中小企业而言，这笔款项是重要的运营资金。民生银行用 行动证明，他们不只是金融机构，更是企业出海的'安全卫士'！" 民生银行广州分行工作人员表示："这是我行系统内首笔对公跨境诈骗资金追回案件，最大的难度是款项已经入了收 款人的账户，最幸运的是款项未被支取。此前从未处理过类似跨境资金的反诈，同业银行也没有成熟经验可借鉴。" 近年来，跨境诈骗案件频发，诈骗手段从"钓鱼邮件"升级到"AI语音伪造"、"区块链混币"等复杂形式，反诈防诈形势 严峻。一直以来，民生银行坚定不移地开展反诈工作，将反诈工作纳入金融风险防控核心体系，近年来多次成功堵截 各类诈骗案件，相关案例屡获监管机构、公安部门及客户的高度认可。 民生银行有关负责人表示 ...

根据英大基金管理有限公司（以下简称"本公司"）与中国民生银行股份有限公司（以下简称"民生银 行"）签署的基金销售代理协议及工作安排，自2025年4月24日起，增加民生银行为本公司旗下英大中证 同业存单AAA指数7天持有期证券投资基金（016066）的销售机构。 ■ 三、基金管理人主要信息 公司名称：英大基金管理有限公司 客户服务电话：400-890-5288 投资者可在民生银行办理本公司旗下部分开放式基金的开户、申购、赎回、定期定额申购、转换等业 务，同时参与民生银行开展的基金申购费率优惠活动。具体情况公告如下： 一、销售机构主要信息 公司名称：中国民生银行股份有限公司 客户服务电话： 95568 网址：www.cmbc.com.cn 二、目前代理销售基金名称和代码 公司网站：www.ydamc.com 四、定期定额投资业务提示 1.投资者通过民生银行办理基金定期定额投资业务，应遵循民生银行的具体规定。 2.投资者应当充分了解基金定期定额投资和零存整取等储蓄方式的区别。定期定额投资是引导投资者进 行长期投资、平均投资成本的一种简单易行的投资方式。但是，定期定额投资并不能规避基金投资所固 有的风险，不能保证投资 ...

4月18日至20日，西藏2025年春季古珠及艺术品交流会在拉萨举行，民生银行拉萨分行作为唯一一家金 融机构受邀参会。期间，民生银行拉萨分行立足区域特色，通过现场服务展位的定点宣传、主动走访参 展小微企业等方式，有效推广西藏自治区普惠金融贷款政策、介绍民生小微结算产品、推广民生银行服 务权益体系，综合服务西藏文化产业的众多小微企业。 作为扎根雪域高原的金融主力军，民生银行拉萨分行坚守"服务大众、情系民生"企业使命，聚焦西藏文 化产业企业需求，深耕普惠金融，通过创新金融产品、深化政银合作、优化服务模式等举措，为当地文 化企业赋能，推动文化产业与金融深度融合。 交流会期间，民生银行拉萨分行聚焦"普惠金融、贵宾权益、拉萨城市生活卡"三大核心服务品牌内容， 全方位展示各项服务举措，现场受理普惠小微贷款咨询企业134家。推广差异化服务权益体系，现场为 40余名小微企业家介绍并配置了民生银行拉萨城市生活卡。 此外，民生银行拉萨分行以本期交流会为契机，还将金融服务与金融宣教深度融合，面向参展企业及消 费者开展"金融安全守护行动"。通过一对一案例讲解、互动问答、电子屏滚动播放宣教内容等形式大力 普及金融安全知识，提升公众金融素 ...

资产规模是衡量银行实力的重要指标之一。同花顺iFinD数据显示，9家股份制银行在2024年均实现了资产总额的增长。其中，招商银行以12.15万亿元的资 产总额在2024年报中领先，相较于2023年报的11.03万亿元，增长了1.12万亿元，增幅达10.19%，展现出强大的综合实力和市场竞争力。兴业银行、中信银 行、浦发银行等也实现了资产规模的稳步扩张，资产总额分别为10.73万亿元、9.53万亿元和9.27万亿元，增幅分别为3.39%、5.31%和5.18%。 随着2024年报相继发布，A股上市的9家股份制银行的业绩情况也已揭晓。同花顺iFinD数据显示，2024年，A股上市股份制银行资产规模稳步扩张，"吸 金"能力不减， 2024年全年，9家银行合计共实现归母净利润5007.91亿元，平均"日赚"13.72亿。此外，在净息差集体承压的背景下，各银行纷纷拓展多元化 收入来源。 资产规模稳步扩张，营收净利表现分化 | | 2024年末资产合计(万亿元) | 较上年末变动幅度 | | --- | --- | --- | | 招商银行 | 12.15 | 10.19% | | 兴业银行 | 10.37 | 3.39 ...

此前，交通银行于4月8日，在银行间市场成功簿记发行了2025年绿色金融债，规模300亿元，其中3年期 250亿元，票面利率1.70%；5年期50亿元，票面利率1.76%。全场认购倍数分别为2.12倍和1.80倍。 【环球网金融综合报道】4月以来，绿色金融债市场发行提速。据Wind数据统计，截至4月20日，今年 绿色金融债的发行规模升至1660亿元，较去年全年2225亿元的发行规模相差不到千亿元。 据厦门银行4月17日公告，该行宣布成功发行2025年绿色金融债券（第一期），实际发行总额达30亿 元，期限3年，票面利率为1.90%。兴业银行于4月14日宣布在全国银行间市场成功发行2025年第一期绿 色金融债券，实际发行规模300亿元，期限3年，票面利率1.70%。该笔债券获得2.38倍的超额认购。 除了上述三家银行外，进出口银行、农发行、农业银行、天津银行、渤海银行、民生银行等均在年内发 行了绿色金融债。其中，农业银行于2月26日在银行间市场成功发行的600亿元绿色金融债。 整体来看，今年一季度绿色债券发行规模大增。据大公国际统计，作为绿色金融的重要组成部分，一季 度绿色债券保持强劲发行势头，发行规模同比大幅提升 ...

Core Viewpoint - The financial indicators and asset quality of the six disclosed banks are generally stable in the first quarter, with a positive outlook for the banking sector driven by increased market volatility and the sector's stable returns and index weight advantages [1][9]. Summary by Sections Financial Performance - Six listed banks have disclosed their Q1 2025 performance, showing overall stability but continued differentiation in earnings. For instance, Minsheng Bank reported a net interest margin improvement and a revenue increase of over 7% year-on-year, while Ping An, Chongqing Rural Commercial Bank, and Changshu Bank reported revenue changes of -13.05%, +1.35%, and +10.05% respectively [2]. - The divergence in earnings performance is attributed to the impact of last year's net interest margin decline and the effects of fair value changes in Q1 [2]. Credit Growth - The banks demonstrated strong expansion momentum, with Shanghai Pudong Development Bank's total loans increasing by 254.58 billion (5.02%) year-on-year, marking a recent quarterly high. Minsheng Bank also reported stable growth in deposits and loans, while Ping An Bank's loans grew by 1.1% [3]. - Overall, the credit growth and expansion are positive, aligning with marginal improvements in social financing growth, with significant focus on real credit issuance and investment in interest-bearing bonds [3]. Asset Quality - Asset quality remains stable, with non-performing loan ratios for Ping An, Chongqing Rural, and Changshu banks remaining flat or slightly improved. The provision coverage ratios for these banks are still at solid levels, indicating a cautious approach to provisioning [4]. - The banks are intensifying efforts to recognize and manage problem assets, particularly in retail lending, with future asset quality changes dependent on the recovery of household balance sheets [4]. Market Performance - The banking sector showed optimistic performance last week, with the A/H bank index rising by 4.23%, outperforming the broader market. Notable gainers included Chongqing Bank (8.8%) and Shanghai Pudong Development Bank (7.4%) [6]. - The influx of incremental funds into the banking sector is evident, with significant net inflows into stock ETFs and increased holdings by southbound funds in Hong Kong [7]. Investment Outlook - The banking sector is recommended for active allocation due to its defensive attributes and relative value, especially in the context of ongoing U.S.-China trade tensions. The sector is expected to maintain robust fundamentals compared to most industries [9]. - Specific stock recommendations focus on banks with stable profitability, attractive dividend yields, and potential for valuation recovery [9].

Core Viewpoint - The financial industry continues to showcase high salaries, with 15 out of 16 banks reporting executives earning over one million yuan annually, despite some banks advocating for cost-cutting measures [1][4][6]. Salary Overview - Among the 16 banks analyzed, only Hengfeng Bank did not report any executives earning over one million yuan, with the highest salary being 647,300 yuan for its chairman [4][6]. - The highest-paid executive is Ji Guangheng, the president of Ping An Bank, with a salary of 4.1587 million yuan, followed closely by the chairman, Xie Yonglin, at 4.0129 million yuan [4][6]. Performance vs. Compensation - Notably, Ping An Bank and Minsheng Bank, which have reported poor performance with revenue declines of 10.93% and 9.85% respectively, still have some of the highest executive salaries in the industry [7][8]. - The disparity between high executive salaries and poor bank performance has led to a reluctance among executives to discuss their compensation publicly [2][4]. Executive Salary Changes - Among the 16 banks, 12 disclosed chairman salaries, with 10 experiencing increases, while 13 disclosed president salaries, with 10 seeing decreases [10][14]. - The trend indicates that while chairman salaries are generally rising, president salaries are declining, reflecting a broader trend of cost-cutting in the banking sector [12][14]. Average Employee Salary - The average salary for employees across the 16 banks is approximately 300,000 yuan, with Citic Bank leading at 606,200 yuan per employee, while the lowest is at 296,100 yuan for Bank of Communications [18][19]. - Overall, 9 banks reported an increase in average employee salaries, while 7 reported a decrease, indicating a general trend of "more increases than decreases" compared to the previous year [19].

Group 1 - The core viewpoint of the articles indicates that the China Securities Index for Hong Kong-listed mainland banks has shown a mixed performance, with a recent decline of 5.22% over the past month, but an increase of 10.24% over the last three months and a year-to-date rise of 5.40% [1] - The index, which reflects the performance of high liquidity and easy short-selling securities in the Hong Kong market, includes three thematic indices: HKT Hong Kong Real Estate, HKT Mainland Consumption, and HKT Mainland Banks [1] - The index is based on a reference date of December 31, 2007, with a base point of 1000.0 [1] Group 2 - The top ten holdings in the index are dominated by major banks, with China Construction Bank at 28.87%, Industrial and Commercial Bank of China at 22.76%, and Bank of China at 18.2% [1] - The index's holdings are entirely composed of financial sector stocks, with 100% representation from the financial industry [1] - The index sample is adjusted biannually, with changes implemented on the next trading day following the second Friday of June and December [2]

Core Viewpoint - The total cash dividends proposed by major listed banks in China for 2024 exceed 560 billion yuan, marking an increase of over 10 billion yuan year-on-year, with state-owned banks dominating the distribution [1][3]. Group 1: Dividend Distribution - The six major state-owned banks plan to distribute over 420 billion yuan in cash dividends, with all having a dividend payout ratio of 30% or higher [1][3]. - Among the listed banks, China Merchants Bank leads with a cash dividend payout ratio of 35.32%, while Ping An Bank's ratio is below 30% at 28.32% [1][3][4]. - The total cash dividends for the six major banks include: Industrial and Commercial Bank of China (1,097.73 billion yuan), China Construction Bank (1,007.54 billion yuan), Agricultural Bank of China (846.61 billion yuan), Bank of China (713.60 billion yuan), China Merchants Bank (504.40 billion yuan), and Bank of Communications (281.46 billion yuan) [2][3]. Group 2: Changes in Dividend Amounts - Ping An Bank, Minsheng Bank, and Zheshang Bank have seen declines in their proposed dividend amounts, with decreases of 15.44%, 11.11%, and 4.88% respectively [2][6]. - The dividend payout ratio for Ping An Bank decreased from 30% in 2023 to 28.32% in 2024, attributed to the need for internal capital accumulation and regulatory compliance [6][9]. Group 3: Future Dividend Plans - China Merchants Bank plans to implement a mid-term dividend distribution for the first time in 2025, with a proposed payout ratio of 35% [5]. - Other banks, such as Industrial Bank and CITIC Bank, have also set ambitious dividend plans, with CITIC Bank aiming for a payout ratio of over 30% from 2024 to 2026 [5][12]. Group 4: Stock Dividend Yields - As of April 16, 2024, Ping An Bank has the highest dividend yield among the listed banks at 5.53%, followed by Zheshang Bank at 5.23% and Industrial Bank at 5.02% [8][9]. - The dividend yields for the six major state-owned banks are all above 4%, indicating strong investment value despite the overall low price-to-book ratios in the banking sector [7][11]. Group 5: Market Context and Valuation Plans - Many banks are currently trading below their book value, prompting over 20 banks to release valuation enhancement plans to improve their investment appeal [11][12]. - The valuation enhancement plans include commitments to maintain or increase dividend payouts, with banks like Bank of Communications and Ping An Bank outlining specific future dividend strategies [12][13].

"当时我完全被对方引导，说我在某平台开通了一项业务，会定期扣款，要根据他们的提示关闭。"回忆当天的遭遇，纪女士仍心有余悸。 深耕社区践初心 金融为民谱新篇 4月2日，民生银行贵阳山水黔城小微支行举办了一场客户活动，工作人员在活动期间看到纪女士频繁接听电话，神色紧张，并不时提到是否要下载某APP、如何操作等词语。支 行工作人员凭借敏锐的职业嗅觉和专业素养，第一时间察觉到了异常。当纪女士接听着电话向网点外走时，支行工作人员迅速跟上了解情况。在银行工作人员的介入后，对方迅 速挂断了电话，同时纪女士发现手机收到了多条验证码信息。工作人员细心地向纪女士讲解了类似电信诈骗的典型案例，分析对方可能是在向她进行电信诈骗，劝说她以后接到 类似电话千万不要轻易进行任何操作。最终，通过银行工作人员的快速反应和及时处置，成功帮助纪女士避免了经济损失。 用心服务 织密金融安全防护网 近日，贵阳市民纪女士拿着一面印有"快速反应挽损失、为民挽损好银行"的锦旗，走进民生银行贵阳分行山水黔城小微支行，向支行工作人员连声道谢。一周前，该行凭借敏锐 的风险预警机制和高效的应急处置，成功拦截一起电信诈骗案件，为她挽回了数万元经济损失。 "多亏你们专 ...