证券简称：民生银行 A 股代码：600016 优先股简称：民生优 1 优先股代码：360037 编号：2025-036 中国民生银行股份有限公司 关于 5,000,000,000 美元中期票据计划 于香港联合交易所有限公司上市的公告 中国民生银行股份有限公司董事会 2025 年 9 月 17 日 1 根据香港联合交易所有限公司证券上市规则第 37 章定义，专业投资者指(a)如属香港人士，按《证券及期 货条例》附表 1 第 1 部所界定的专业投资者（包括按该条例第 397 条所制定的规则所指的人士）；或(b)如 属非香港人士，根据有关司法权区对公开发售的相关豁免可向其出售证券的人士。 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈 述或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 中国民生银行股份有限公司（简称"本行"）已向香港联合交易所有限公司 申请 5,000,000,000 美元中期票据计划（简称"计划"），该计划将自 2025 年 9 月 17 日起的 12 个月以仅向专业投资者1发行债券的方式上市。预计计划的上市将于 2025 年 9 月 18 日或前后生效。 特此公告 ...

人民财讯9月17日电，民生银行（600016）9月17日晚间公告，公司已向香港联合交易所有限公司申请50 亿美元中期票据计划，该计划将自2025年9月17日起的12个月以仅向专业投资者发行债券的方式上市。 预计计划的上市将于2025年9月18日或前后生效。 ...

民生银行公告称，公司已申请50亿美元中期票据计划，该计划自2025年9月17日起的12个月以仅向专业 投资者发行债券的方式上市，预计上市将于2025年9月18日或前后生效。 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因倚 賴該等內容而引致之任何損失承擔任何責任。 本公告僅供參考之用，並不構成收購、購買或認購證券的邀請或要約。本公告並不構成或成為 於美國購買或認購證券之任何要約或招攬之一部分。根據該計劃（定義見下文）將發行的票據 （「票據」）概無及將不會按照經修訂的1933年美國證券法（「美國證券法」）或任何其他司法管轄 區的證券法律登記，除根據美國證券法獲豁免或不受美國證券法的登記規定所規限的交易外， 概不可在美國境內（其定義見美國證券法項下S規例（「S規例」））發售或出售票據。因此，票據 將在符合S規例的情況下在美國境外發售及出售。於美國公開發售證券將須以售股章程形式作 出。該等售股章程須載有作出發售之發行人（定義見下文）及其管理和財務報表之詳細資料。證 券不會於美國境內公開發售。 於香港聯合交易所有限公司上市之 通告 中國民生銀行股份有限公司香港分行 （「發行人」） 於本公告日期，本行執行董事為高迎欣先生、王曉永先生及張俊潼先生；非執行 董事為劉永好先生、史 ...

Core Viewpoint - The article emphasizes the importance of integrating financial services for the elderly into the broader societal framework, highlighting the need for banks to enhance their services and products tailored to older adults [1] Group 1: Integration of Traditional and Smart Services - Banks are encouraged to improve traditional financial services while enhancing online service accessibility for elderly customers [2] - Initiatives include setting up dedicated service windows and providing specialized equipment like magnifying glasses and blood pressure monitors to facilitate in-branch transactions for seniors [2] - Online services are being optimized with dedicated customer service for elderly clients and portable smart service terminals to extend financial services to those unable to visit bank branches [2] Group 2: Product Supply and Service Enhancement - Banks are urged to develop more financial products that cater to the conservative risk preferences and stable investment needs of older adults [3] - Examples include regular updates to product offerings such as savings accounts, low-risk investment products, and insurance tailored for elderly clients [3] - Additional services include improving payment product convenience and offering fee waivers for account opening and annual fees to enhance value for elderly customers [3] Group 3: Regulatory Guidance and Industry Participation - The financial regulatory body is reinforcing the need for banks to enhance their awareness and capabilities in providing age-friendly services [4] - Banks are actively engaging in financial education initiatives aimed at older adults, focusing on risk prevention and financial literacy [4] - Training programs for bank staff are being implemented to improve service quality and emergency response capabilities when assisting elderly clients [4]

Group 1 - The core announcement is about the convening of a meeting for the holders of the Haitong Strategy Preferred Mixed Asset Management Plan to discuss the change of management to Guotai Haitong New Quantitative Stock Selection Mixed Securities Investment Fund [1][2][3] - The meeting will be held via communication methods, with voting starting from September 17, 2025, to October 14, 2025, at 17:00 [3][4][8] - The meeting aims to protect the interests of the holders and is in accordance with relevant laws and regulations, including the Securities Investment Fund Law and the Operational Guidelines for Publicly Raised Securities Investment Funds [2][3][28] Group 2 - The management change involves transitioning from Haitong Securities Asset Management Co., Ltd. to Guotai Haitong Securities Asset Management Co., Ltd. [38] - The product name will change from Haitong Strategy Preferred Mixed Asset Management Plan to Guotai Haitong New Quantitative Stock Selection Mixed Securities Investment Fund [39] - The investment strategy will be adjusted to focus on small and medium-sized growth stocks with reasonable valuations, utilizing quantitative models for portfolio management [45] Group 3 - The meeting requires at least two-thirds of the voting rights from the participating holders for the resolution to be effective [21][50] - A redemption selection period will be arranged for holders to choose whether to redeem or convert their holdings without incurring redemption fees [49] - The changes will be officially implemented after the meeting's resolution is passed, with a notice to be published regarding the effective date of the new fund contract [49][50]

Core Viewpoint - China Minsheng Bank showcased its digital financial services and innovative solutions at the 2025 China International Fair for Trade in Services, emphasizing its commitment to high-quality economic development and service to the public [1][3]. Group 1: Exhibition Highlights - The bank's theme "Smart Minsheng for a Shared Future" was central to its presentation, featuring an immersive interactive exhibition that demonstrated its achievements in digital finance, small and micro finance solutions, and technology-driven industrial park development [1]. - The exhibition included four main components: exhibition, discussion, negotiation, and experience, allowing visitors to engage with various financial service applications such as green finance, inclusive finance, and digital finance [1][3]. - Interactive experiences, such as customized "Minsheng Headlines" newspapers and "Minsheng Pension Calculators," were particularly popular, indicating high visitor engagement and satisfaction [3]. Group 2: Strategic Goals - China Minsheng Bank aims to leverage its participation in the fair to deepen the innovative application of financial technology across all business processes, enhancing customer experience and service efficiency [5]. - The bank is committed to contributing greater digital financial strength to support the real economy and social development [5].

Group 1 - The first Beijing Green Development Forum will be held from September 22 to September 24 in the Beijing Urban Sub-center, featuring 19 specialized activities including a green industry expo and multiple parallel forums [1][2] - The forum aims to serve as a platform for major policy announcements, green technology transformation, international cooperation, and promoting Beijing's image as a green economy benchmark city [2][3] - The forum will invite representatives from key enterprises and green development demonstration zones to share experiences and promote collaboration among the Beijing-Tianjin-Hebei region [2][3] Group 2 - The green industry expo will take place in an outdoor circular corridor between three cultural facilities in the urban sub-center, showcasing the city's direction in building an international green economy benchmark [4] - This year's expo will cover all seven green industry directions proposed for the city's development, with over 30% of exhibitors coming from outside Beijing, and an expected daily visitor count of 10,000 [4] - Various financial institutions will share their practices in green finance, while the expo will also highlight the green development practices in the urban sub-center [4]

Core Viewpoint - The retail transformation in the financial industry emphasizes personal financial services as a key strategy for banks to adjust their business structure and build differentiated competitive advantages [1] Group 1: Personal Financial Asset (AUM) - China Merchants Bank leads the industry with a retail AUM of 16.03 trillion yuan, significantly ahead of its competitors by over 1 trillion yuan [3] - Industrial Bank ranks second with a retail AUM of 5.52 trillion yuan, showing an 8% increase from the previous year [3] - CITIC Bank, with a retail AUM of 4.99 trillion yuan, has adopted a "retail first strategy" and achieved a 6.52% growth [4] Group 2: Number of Personal Customers - China Merchants Bank has the largest personal customer base with 216 million customers, enhancing its cross-selling opportunities [5] - Shanghai Pudong Development Bank follows with 163 million customers, leveraging online and offline channels for customer acquisition [5] - China Everbright Bank ranks third with 160 million customers, utilizing precise marketing strategies to attract specific customer segments [5] Group 3: New Personal Customer Acquisition - Shanghai Pudong Development Bank leads in new customer acquisition with 6.31 million new customers, continuing its online and offline customer acquisition strategy [6] - China Merchants Bank ranks second with 6 million new customers, indicating a lower growth rate relative to its existing customer base [6] - Zhejiang Commercial Bank reported a growth of 5.29 million new customers, focusing on various targeted customer segments [6] Group 4: Average AUM per Customer - China Merchants Bank has the highest average AUM per customer at 74,200 yuan, reflecting its strong wealth management capabilities [7] - Industrial Bank ranks second with an average AUM of 49,300 yuan, maintaining a strong position in customer asset management [7] - CITIC Bank, Ping An Bank, and Huaxia Bank have average AUMs ranging from 30,000 to 40,000 yuan, indicating a need for improvement in high-net-worth service capabilities [8]

Core Viewpoint - China Minsheng Bank's performance is challenged by rising loan impairment losses and declining net profit, despite a growth in revenue [2][5]. Financial Performance - In the first half of the year, China Minsheng Bank reported operating income of 72.384 billion yuan, a year-on-year increase of 7.83%, while net profit attributable to shareholders decreased by 4.87% to 21.38 billion yuan [5]. - The increase in credit impairment losses was significant, rising by 26.70% year-on-year, which heavily impacted net profit [5][6]. Loan Quality - The bank's non-performing loans (NPLs) increased, with the NPL amount reaching 66.052 billion yuan, a growth of 0.67% from the end of the previous year, resulting in an NPL ratio of 1.48%, up by 0.01 percentage points [6]. - The migration rates for substandard and doubtful loans also saw a significant rise, with substandard loan migration rate at 171.38%, up by 84.53 percentage points [6]. Regional Performance - The Bohai Rim region experienced a substantial decline in performance, with operating income dropping by 18.41% to 6.551 billion yuan and a total profit loss of 2.034 billion yuan [7][8]. - In contrast, other regions showed mixed results, with only two regions reporting a decline in total profit without incurring losses [8].