Core Viewpoint - The article emphasizes the importance of community-based financial services as a means to enhance residents' quality of life and meet their financial needs, positioning Minsheng Bank's Jinan Branch as a reliable financial partner within the community [1] Group 1: Community Engagement - Minsheng Bank's Jinan Branch has established a network of community branches that provide "zero-distance" services, ensuring that financial services are easily accessible to residents [2] - The community branches offer a range of services, including account inquiries and money transfers, and have specialized teams that assist elderly and disabled individuals through home visits [2] Group 2: Mechanism Innovation - The bank has adopted a dual-driven model of "internal service optimization + external ecological expansion" to enhance community service, creating a collaborative ecosystem that integrates financial services with daily life and public welfare [3] - Minsheng Bank collaborates with community committees and local institutions to offer various services, such as public health consultations and financial education programs tailored to community needs [3] Group 3: Targeted Financial Services - The Jinan Branch focuses on different demographic groups, providing tailored financial services that address specific needs, such as anti-fraud education for the elderly and financial literacy programs for youth [4] - Community branches are equipped with age-friendly technology and simplified banking options to help older adults navigate digital banking [4] Group 4: Commitment to Public Welfare - Minsheng Bank integrates public welfare into its community financial services, participating in local cultural activities and health initiatives to foster community connections [6] - The bank aims to evolve from merely providing financial functions to creating shared value within the community, enhancing its role as a service hub that contributes to residents' well-being [6]

l 中国民生银行 北京分行 4月30日:权益数量有限、先到先得,领元即止。 NO.1 新客礼 京津冀三地卡京彩卡新客礼、 从未办理民生银行储蓄账户的客 达标礼消费券在哪里可以使用? 户,在北京地区成功申请京世翼三 地卡京彩十一类户目激活后,即可 频取 线上面户: 线上所有可以受理云闪付的简户(资户线上收银台 NO.2 达标礼 有 标识。淘宝、支付宝和微信线上商户除外》 当月达标,次月额型,每月可额 10-50元云闪付声费券,从开卡 线下鹿户: 次月起,365天内,每位客户最 多可违续假取12次。 京津冀地区线下所有可以受理云闪付的篇户《看户 处有 标识,但海军,支付宝和镇体的个人牧款 码用户留不参与活动) 快享达标礼 云网付流费春 包括但不限于以下APP 京东,唯品会、小米商城、拼多多、美团、达达快 迷。KEEP、七样、京东到家、多点、瑞韋喀摩。星 会网材清香香 巴克,首汽的车,神州变车。小米游戏得 No.3 老客礼 篇100使用 开卡满12个月以上目上月金融资产月日均>2万《含)以上级别客户,手 机银行-京津冀专区抢券。街位客户每月眼镜一次。 bbl 上下一篇 《關用机点兑换》 非凡出行;机场费宾休息室、赢 ...

Group 1 - Minsheng Bank's Hangzhou branch has surpassed 112 billion yuan in private enterprise loans by the end of November, showcasing its commitment to supporting the private economy through innovative financing products and enhanced financial services [1] - The bank has developed an automated payment management system for a leading e-commerce live streaming company, which was established in just 15 days, effectively addressing issues related to payment confirmation delays and record-keeping [1] - The "Export e-loan" product, launched by the bank, allows for a fully online process from application to disbursement, significantly improving financing efficiency for foreign trade enterprises in Zhejiang [1] Group 2 - In the Jiaxing manufacturing cluster, Minsheng Bank has introduced products like "accounts receivable financing" and "warehouse receipt pledge loans" to convert static assets into financing opportunities for textile companies facing high inventory and accounts receivable [2] - The bank's Zhoushan branch has created a tailored credit loan solution for a HVAC sales company, allowing for credit limits based on tax payments without the need for traditional collateral, with rapid approval processes enabling same-day fund availability [2] - Minsheng Bank has served over 3 million small and micro private enterprises, providing continuous financing support through inclusive financial products and promoting services like no-repayment renewal loans [2] Group 3 - The ongoing stories of service to private enterprises, from e-commerce giants in Hangzhou to small engineering firms in Zhoushan, illustrate Minsheng Bank's dedication to serving the private sector [3] - The bank aims to reinforce its position as "the bank for private enterprises" and will continue to deepen its financial services for private companies in Zhejiang [3]

2025年12月8日，宁波金融监管局发布批复称，《中国民生银行股份有限公司关于杨杰任职资格核准的 请示》（民银报〔2025〕267号）收悉。经审核，现批复如下： 二、中国民生银行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自中国民生银行 政许可决定作出之日起3个月内到任，并按要求及时报告到任情况。未在上述规定期限内到任的，本批 复文件失效，由宁波金融监管局办理行政许可注销手续。 三、中国民生银行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规规章，牢固树立 风险合规意识，熟悉任职岗位职责，忠实勤勉履职。 一、核准杨杰中国民生银行股份有限公司宁波分行副行长的任职资格。 ...

Core Insights - The awards for financial bond underwriting and market-making have been announced, recognizing various banks and securities firms for their outstanding performance in the industry [1][2][3][4][5][6][7] Group 1: Outstanding Underwriters - The title of "Outstanding Underwriter" was awarded to several banks, including CITIC Bank, Shanghai Pudong Development Bank, and Industrial and Commercial Bank of China [1][2] - A total of 10 banks were recognized as "Excellent Underwriters," highlighting their contributions to the financial bond market [1] Group 2: Excellent Market Makers - The "Excellent Market Maker" category included firms such as Huatai Securities and CITIC Securities, showcasing their role in enhancing market liquidity [2][4] - A diverse range of banks, including Ping An Bank and Industrial Bank, were acknowledged for their market-making capabilities [2][4] Group 3: Special Awards - Special awards were given for various categories, including "Debt Sea Rising Award" and "Green Low Carbon Award," recognizing banks like Agricultural Bank of China and Postal Savings Bank of China for their innovative approaches [3] - The "Technology Innovation Award" was awarded to banks that demonstrated significant advancements in financial technology [3] Group 4: Individual Recognitions - Individual awards were presented to key personnel from various banks, such as CITIC Bank's Sun Wei and China Everbright Bank's Liu Yan, acknowledging their leadership in driving financial bond initiatives [4][5] - The "Outstanding Underwriting Supervisor" category highlighted individuals from major banks, emphasizing the importance of leadership in underwriting processes [5]

二、中国民生银行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自中国民生银行 政许可决定作出之日起3个月内到任，并按要求及时报告到任情况。未在上述规定期限内到任的，本批 复文件失效，由决定机关办理行政许可注销手续。 三、中国民生银行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固树立风险 合规意识，熟悉任职岗位职责，忠实勤勉履职。 2025年12月1日，山西金融监管局发布批复称，《中国民生银行（600016）股份有限公司关于对闫珺同 志进行任职资格审查的请示》（民银报〔2025〕262号）收悉。经审核，现批复如下： 一、核准闫珺中国民生银行太原分行行长助理的任职资格。 ...

Core Viewpoint - The Minsheng Bank Nanjing Branch actively engaged in a series of activities to promote constitutional awareness during the National Constitution Day and Constitution Publicity Week, emphasizing the importance of constitutional education among employees and the community [1]. Group 1: Employee Education - The bank strengthened its internal training by requiring all departments to conduct constitutional knowledge training through various formats such as meetings and themed activities, ensuring that all employees are reached [2]. - Employees participated in a quiz activity via the "China Legal Publicity" WeChat account, enhancing engagement and learning outcomes [2]. - The bank utilized internal communication channels to share constitutional learning materials and encouraged departments to share their educational experiences, fostering a strong atmosphere of constitutional learning [2]. Group 2: Outreach Activities - The bank increased its outreach by utilizing its physical branches to promote constitutional knowledge, including the use of electronic displays and promotional materials in customer waiting areas [3]. - A total of 131 electronic poster machines were used to broadcast the theme of the Constitution Publicity Week, while LED screens displayed slogans promoting constitutional authority and spirit [3]. - The bank engaged in one-on-one customer education to deepen the understanding of constitutional principles among clients [3]. Group 3: "Five Advances" Activities - The bank organized "Five Advances" activities, which included outreach to government agencies, rural areas, communities, schools, and enterprises, broadening the scope of constitutional education [4]. - Case studies were used to illustrate constitutional rights and the consequences of violating laws, effectively raising legal awareness among community members and employees [4]. - The activities received positive feedback and significantly increased public awareness of constitutional knowledge [4]. Group 4: Future Plans - The bank aims to continue enhancing its legal education efforts and strengthen its core competitiveness through compliance, promoting a culture of respect for the constitution and legal awareness [7]. - Future initiatives will focus on deepening the implementation of legal education activities to support high-quality development within the bank [7].

【深圳商报讯】（首席记者 谢惠茜）近期，包括建设银行、民生银行、邮储银行、中信银行在内的多 家银行纷纷上调部分代销公募基金产品风险等级。 在建设银行最新发布的《关于调整部分代销公募基金产品风险等级的公告》中表示，本次调整主要 是"根据《证券期货投资者适当性管理办法》（证监会令第130号）、《基金募集机构投资者适当性管理 实施指引（试行）》、《商业银行代理销售业务管理办法》等规定要求，为切实履行适当性义务，保护 投资者权益，我行遵循公募基金产品风险等级评定孰高原则，并持续开展产品风险等级动态评估工 作。" 具体来看，建设银行本次共调整87款公募基金产品，其中32款产品由R2（中低风险）调整至R3（中风 险）；55款产品由R3（中风险）上调至R4（中高风险）。 除此之外，邮储银行、中信银行等银行也调整了部分代销基金的风险评级。尤其是中信银行，近期已是 年内第四次对代销产品风险评级进行调整。在此之前，今年5月9日、6月23日以及9月16日，该行均发布 过关于调整部分代销资产管理产品风险评级的相关公告。 "多家银行上调代销基金风险等级，是强化投资者适当性管理的主动行为，并不意味着公募基金市场整 体风险必然全面上升。上 ...

Core Insights - The credit card market in China is experiencing a significant contraction, with a total issuance of 707 million cards as of Q3 2025, down from 715 million in Q2 2025 and a peak of 807 million in Q3 2022, marking a decline of approximately 100 million cards over three years [2][3] - The non-performing loan (NPL) rate for credit cards has risen to 2.40% as of mid-2025, indicating increasing pressure on asset quality within the banking sector [5][6] Credit Card Issuance Trends - The total number of credit cards has been on a downward trend for 12 consecutive quarters, with a notable reduction of 800 million cards in Q3 2025 compared to the previous quarter [2] - Major banks have reported a significant decrease in credit card loan balances, with a reduction of nearly 600 billion yuan in the first half of 2025 compared to the end of 2024 [3] - Credit card transaction volumes have also declined, with an overall decrease of approximately 8% year-on-year, particularly affecting banks like China Merchants Bank and Bank of Communications [3] Factors Influencing Market Contraction - The contraction in the credit card market is attributed to multiple factors, including regulatory policies that encourage banks to move away from aggressive card issuance and the rise of mobile payments and internet credit tools that are replacing traditional credit card usage [4] - Banks are shifting their focus from merely expanding card issuance to more refined management and risk control strategies [4] Asset Quality Concerns - The total amount of overdue credit card loans has increased from 842.85 billion yuan in Q2 2022 to 1,239.64 billion yuan by the end of 2024, indicating a growing concern over asset quality [5] - The average NPL rate for credit card overdrafts among 12 domestic banks has risen from 2.33% at the end of 2024 to 2.40% by mid-2025, with specific banks like ICBC and CCB reporting even higher rates [5] Risk Management and Asset Disposal - In response to rising NPLs, banks are accelerating the disposal of non-performing assets, with over 260 billion yuan in personal loan asset packages being transferred in November alone [6] - Notable cases include large asset packages from banks like Minsheng Bank and SPDB, indicating a proactive approach to managing credit risk [6] Operational Adjustments in Banking - Banks are implementing cost-cutting measures, including the closure of credit card centers and integrating credit card operations into broader retail banking strategies [7] - The future of credit card services is expected to focus on providing safer and more value-added financial services rather than merely promoting overspending [7] - The competitive landscape is likely to favor larger banks with strong risk management capabilities, while smaller banks will need to find ways to attract and retain customers without compromising on risk [7]

Group 1 - The core event was the "Tide Surging in Hong Kong, Setting Sail for the World" seminar hosted by Minsheng Bank in Shenzhen, focusing on companies' listings in Hong Kong, with over 40 enterprises and investment institutions in attendance [1] - Minsheng Bank's Vice President Li Wenshi participated in the seminar, which included discussions on the dynamics of the Hong Kong stock market, policy interpretations, and financial needs at various stages of the listing process [1][3] - The bank presented its integrated service model for companies going public in Hong Kong, offering "financing + intelligence + business" solutions to enhance the quality and efficiency of financial services for the real economy [3] Group 2 - A roundtable forum featured discussions among Minsheng Bank, Minyin International, and representatives from investment institutions and enterprises on topics such as listing paths, timing, valuation, pricing, post-listing refinancing, and market value management [3] - The seminar concluded with a signing ceremony for Hong Kong stock services between Minsheng Bank, Minyin International, and several participating enterprises, highlighting the bank's commitment to providing a comprehensive product and service system for clients [3] - Attendees expressed that the seminar offered valuable insights into the Hong Kong capital market and emphasized the importance of close collaboration between banks and enterprises to advance the narrative of Chinese companies in the capital market [3]