Core Viewpoint - The personal operating loan interest rates have generally entered the "2" range, with some banks offering rates as low as 2.3%, driven by competition and a strategy of attracting customers through lower prices [1][4]. Group 1: Current Loan Rates - Many banks are now offering personal operating loan rates below 2.5%, with slight variations based on region and product type [1][2]. - For instance, the lowest rate for personal mortgage operating loans at one bank is 2.35%, with a loan term of 3 years and a credit limit of up to 30 million yuan [1]. - Another bank reports that the minimum rate for collateralized personal operating loans is 2.5%, while credit-based products start at 2.55% [2]. Group 2: Loan Approval Criteria - Borrowers must meet strict criteria, including having a local household registration and a minimum duration of social security payments [3]. - The collateral property must be within the local jurisdiction, not older than 35 years, and the borrower must have owned it for at least 3 months [3]. - Additionally, the borrowing entity must be a small or micro enterprise with a good credit record and normal operating cash flow [3]. Group 3: Market Dynamics and Risks - The current low interest rates are a result of multiple factors, including policy guidance, industry competition, and reduced funding costs for banks [4][5]. - While lower rates can stimulate demand and reduce interest expenses for borrowers, there are concerns about potential risks, such as narrowing interest margins and the possibility of unhealthy competition [4][5]. - Experts warn that aggressive pricing strategies could lead to a decline in banks' profitability and their ability to support the real economy effectively [4][5]. Group 4: Strategic Responses from Banks - Different banks have varying perspectives on the sustainability of low-interest operating loans, with some viewing it as a necessary strategy to gain market share despite thin margins [5][6]. - Larger banks may benefit from cross-selling additional services to clients attracted by low rates, while smaller banks face challenges in maintaining competitiveness without engaging in price wars [6][7]. - There is a call for financial institutions to adopt differentiated strategies and focus on enhancing product quality and service rather than solely competing on price [6][7].

12月26日，大家保险集团官网更新高管简历信息，半年前即深陷"失联"传闻的总经理助理兼董事会秘书 赵鹏，其相关信息已不可见。当日，大家保险工作人员向南都·湾财社记者确认，"赵鹏已不再担任集团 任何职务"，但对于具体离职时间及原因，该工作人员表示尚未收到相关通知。 几乎在同一时间，民生银行发布公告称，赵鹏因个人原因，申请辞去该行第九届董事会董事，以及董事 会风险管理委员会委员、董事会提名委员会委员等职务。 据民生银行称，赵鹏的辞职自2025年12月26日起生效。据披露，赵鹏原定的任期到期日为2027年6月26 日。赵鹏原为大家保险集团总经理助理兼董事会秘书，也是大家保险作为股东派驻到民生银行的董事。 大家保险目前是民生银行的第一大股东，持有该行73亿股，在流通股中占比16.79%。 五年董事薪酬超三百万 据多家媒体报道，赵鹏于2025年6月"失联"，此后一直处于"被调查"状态。报道援引业内人士消息称， 赵鹏及相关人士此前因银行存款业务遭到市场机构举报，举报内容直指其与大家资管负责固收业务的相 关人士存在"吃拿卡要、收回扣"等行为。 此外，民生银行披露的薪酬信息，也让赵鹏的"双重薪酬"安排引发业内关注。公开信息显 ...

Core Viewpoint - Minsheng Bank's chairman, Gao Yingxin, has seen a significant decrease in his total compensation for 2024, reflecting the bank's declining performance in key financial metrics [2][3]. Group 1: Executive Compensation - Gao Yingxin's total compensation for 2024 is reported to be 4.9676 million yuan, which includes a base salary of 3.3463 million yuan and an additional 1.6213 million yuan disclosed later [2][8]. - Compared to 2023, Gao's total compensation has decreased by 909,700 yuan, with a reduction in base salary by 388,900 yuan and a decrease in the additional portion by 520,800 yuan [2][8]. - Despite the reduction, Gao remains the highest-paid chairman among joint-stock banks, which has sparked controversy given Minsheng Bank's relatively lower scale and performance [3][9]. Group 2: Bank Performance - Minsheng Bank's financial performance for 2024 shows a decline, with operating income down by 3.21% and net profit attributable to shareholders down by 9.85% [2][8]. - Other key business indicators have also decreased, including net interest income down by 3.70% and net commission income down by 5.20%, alongside a drop in the provision coverage ratio by 7.75 percentage points [2][8]. Group 3: Leadership Context - Gao Yingxin, born in July 1962, is currently over 63 years old, which raises questions about his tenure as chairman, especially considering the previous chairman also stepped down at the same age [10]. - There is uncertainty regarding whether Minsheng Bank will undergo a leadership change by 2026, as Gao's future in the role remains unclear [11].

来源：险联社 "大家保险赵鹏因为个人原因退出 民生银行 董事会，原定的任期到期日为2027年6月26日。 同一天，大家保险集团官网信息更新，赵鹏履职痕迹被正式抹去。" 12月26日，民生银行发布公告称，赵鹏申请辞去第九届董事会董事及董事会风险管理委员会委员、董事 会提名委员会委员等职务，辞职自当日起生效。 赵鹏辞职原因是"个人原因"。 赵鹏原定的任期到期日为2027年6月26日。 | 姓名 | 辞任职务 | 辞任时间 | 原定任期 | 辞任原因 | 是否继续在上 市公司及其控 | 是否存在未 履行完毕的 | | --- | --- | --- | --- | --- | --- | --- | | | | | 到期日 | | | | | | | | | | 股子公司任职 | 公开承诺 | | 赵鹏 | 非执行董事 | 2025年12 2027年6 月 26日 | 月 26日 | 个人原因 | 否 | 否 | 民生银行董事会同时提名张震接替赵鹏为非执行董事候选人，张震的董事任职资格尚需国家金融监督管 理总局核准，自董事任职资格核准之日起正式就任。 张震1981年出生，现任大家资产管理有限责任公司副总经理（主持工 ...

Core Viewpoint - Ping An Life increased its stake in Agricultural Bank of China (ABC) by acquiring 44.05 million H-shares, raising its total holdings to 5.842 billion shares, which now represents over 19% of ABC's total H-shares [1] Group 1: Market Conditions - The banking sector's "high dividend, low valuation" characteristic has re-emerged, with average dividend yields for A-shares and H-shares at 4.3% and 5% respectively as of December 19 [1] - The People's Bank of China is expected to maintain a moderately loose monetary policy, with potential for interest rate cuts and reserve requirement ratio reductions in 2026 [1][2] Group 2: Investment Outlook - Long-term demand for capital allocation in the banking sector is anticipated to continue, driven by the "high dividend, low valuation" logic [2] - The recent appreciation of the RMB is favorable for the performance of RMB-denominated equity assets, with expectations for stable macro-financial conditions leading to improved bank operating environments [2] Group 3: Banking Sector Overview - The Hong Kong-listed banks include Agricultural Bank of China, China Merchants Bank, Industrial and Commercial Bank of China, China Construction Bank, Minsheng Bank, Postal Savings Bank of China, and Citic Bank [3]

【文/羽扇观金工作室】 安邦保险多年前已轰然坍塌，但是余波到现在似乎都没止息。 近日，又一位原安邦接管组成员、工作组综合组组长赵鹏被民生银行及安邦保险重整后的受让企业大家保险除名。 12月26日，中国民生银行股份有限公司（下文简称为"民生银行"）发布公告称，董事赵鹏因个人原因申请辞去该行董事及董事会风险管理委员会委员、董事 会提名委员会委员等职务，辞职自2025年12月26日起生效。辞职后，赵鹏不在公司及控股子公司工作。 2019年，安邦重组为大家保险后，他未回归监管体系，而是选择留在大家保险，担任总经理助理兼董事会秘书，分管公司投资业务。此外，赵鹏还曾任北京 同仁堂股份有限公司董事、金融街控股股份有限公司副董事长、远洋集团控股有限公司董事。 几乎同一时间，大家保险集团官网信息更新，其中原本担任总经理助理兼董事会秘书的赵鹏，其相关信息已不可见。 赵鹏曾任职银保监，作为安邦接管组成员转任大家保险高管，双重薪酬引关注 大家保险目前是民生银行的境内法人第一大股东，持有该行73亿股，在流通股中占比16.79%，而赵鹏是大家保险集团派驻民生银行的董事。 | 四八五日 中国民生银行股份有限公司 | | | --- | - ...

Core Viewpoint - The report highlights the premium rates of AH shares, with Northeast Electric, Zhejiang Shibao, and Hongye Futures leading in premium rates, while CATL, China Merchants Bank, and Heng Rui Medicine are at the bottom of the list [1][2]. Premium Rate Summary - Northeast Electric (00042) has a premium rate of 847.37%, followed by Zhejiang Shibao (01057) at 428.73% and Hongye Futures (03678) at 283.73% [1]. - The lowest premium rates are observed in CATL (03750) at -11.13%, China Merchants Bank (03968) at -3.84%, and Heng Rui Medicine (01276) at 3.17% [1]. Deviation Value Summary - The highest deviation values are recorded for Zhejiang Shibao (01057) at 136.00%, Junda Co. (02865) at 40.42%, and Nanjing Panda Electronics (00553) at 24.71% [1][2]. - The lowest deviation values are seen in Northeast Electric (00042) at -35.46%, GAC Group (02238) at -26.23%, and Nanhua Futures (02691) at -17.44% [1][3]. Top and Bottom AH Shares - The top ten AH shares by premium rate include companies like Sinopec Oilfield Service (01033) with a premium rate of 271.43% and Fudan Zhangjiang (01349) at 250.53% [1]. - The bottom ten AH shares by premium rate include Weichai Power (02338) at 9.88% and WuXi AppTec (02359) at 10.47% [1].

本文源自：财华网 【财华社讯】民生银行(01988.HK)公布，赵鹏申请辞去该行第九届董事会董事及董事会风险管理委员会 委员、董事会提名委员会委员等职务。赵鹏的辞职自2025年12月26日起生效。于2025年12月26日，董事 会会议审议并通过《关于提名张震为该行第九届董事会非执行董事候选人的议案》。 ...

民生银行自扎根燕赵大地27年来，始终坚守"服务大众、情系民生"的企业使命，聚焦"民营企业的银 行、敏捷开放的银行、用心服务的银行"战略定位，坚持与国家战略同频，与区域发展共振，用心用情 服务河北省经济社会发展大局。 截至目前，民生银行石家庄分行营业网点达120家，客户服务触角不断延伸，已累计服务个人客户570万 余户、中小微客户20万余户、公司客户2万余户，真正把便民、惠民、利民的金融服务带到客户身边， 助力河北省高质量发展。 胸怀国之大者，全力服务重大战略取得新进展 京津冀协同发展、雄安新区建设等国家重大战略在河北省相继落地，成为推动区域协调发展、打造新增 长极的核心引擎。民生银行石家庄分行将服务重大战略作为践行"国之大者"的使命担当，为保障国家重 大战略由蓝图变为现实注入源源不断的金融活水。 坚持金融为民，用心书写服务民生改善新篇章 全力支持京津冀协同发展。民生银行总行层面成立京津冀地区业务发展委员会，集总行以及北京、天 津、石家庄三家分行之力，对于涉及京津冀协同发展的重大项目，配置"五位一体"业务团队，实现快速 响应、快速落地。截至11月末，该行累计投放各项贷款270亿元，助力京津冀交通一体化等重大项目 ...

于2025年12月26日，董事会会议审议并通过《关于提名张震先生为该行第九届董事会非执行董事候选人 的议案》。张震先生担任该行非执行董事之事项将提交该行股东会选举。经该行股东会选举通过后，张 震先生的董事任职资格尚需国家金融监督管理总局核准，自董事任职资格核准之日起正式就任。张震先 生的任期与第九届董事会任期相同。 民生银行（600016）(01988)发布公告，因个人原因，赵鹏先生申请辞去该行第九届董事会董事及董事 会风险管理委员会委员、董事会提名委员会委员等职务。赵鹏先生的辞职自2025年12月26日起生效。 ...