Group 1 - The core idea of the news is the innovative approach taken by Minsheng Bank to combine traditional culture with financial education, making the dissemination of financial knowledge more engaging and effective [1][2] - The "2025 Ningxia Financial Education Promotion Week" was launched with the theme "Protecting Financial Rights and Supporting a Better Life," featuring a collaborative effort from Minsheng Bank and ten other financial institutions to create an immersive "Financial Market" [1] - The "Financial Market" included five themed areas designed to transform financial knowledge into interactive experiences, such as games and performances that educate the public on financial literacy and fraud prevention [1] Group 2 - A representative from Minsheng Bank expressed the goal of enhancing the appeal and impact of financial education through cultural empowerment and collaborative efforts, aiming to create a new model for financial education [2] - Customer feedback highlighted the warmth and attentiveness of the bank's services, indicating a strong brand reputation built on responsible service [2] - Minsheng Bank plans to continue innovating in consumer protection efforts, using the financial education week as an opportunity to enhance service quality and safeguard customers' financial interests [2]

Core Viewpoint - The upcoming eight-day holiday combining National Day and Mid-Autumn Festival is expected to ignite a consumption boom, supported by government policies aimed at boosting consumer spending [1][2]. Group 1: Government Policies - The Chinese government has introduced a series of measures to stimulate service consumption, including 19 specific initiatives aimed at expanding service consumption [1]. - Financial institutions are encouraged to increase credit support for service consumption, highlighting the importance of financial power in driving consumption recovery [3]. Group 2: Financial Institutions' Role - Financial institutions, particularly credit card companies, are becoming vital in connecting consumers with businesses, with initiatives like those from China Minsheng Bank's credit card center showcasing the synergy between finance and consumption [2][4]. - The "Five Major Articles" from the National Financial Supervision Administration emphasize the role of digital finance in enhancing service convenience and competitiveness, aligning with the goal of boosting consumption [3]. Group 3: Consumer Engagement Strategies - China Minsheng Bank's credit card center has launched various consumer incentive activities, such as partnerships with platforms like JD.com and Meituan, to lower consumer spending thresholds and enhance digital payment experiences [4]. - Ongoing promotional activities, including discounts and cashback offers, are designed to stimulate high-frequency consumption across various sectors, including dining and entertainment [5]. Group 4: Market Outlook - Data from Nielsen indicates that consumer spending is expected to surge during major holidays, with sectors like tourism, shopping, and dining poised for a peak in activity [5]. - The collaborative efforts between financial institutions and market players are anticipated to create a high-quality consumption service chain, injecting vitality into the consumer market [5].

Core Viewpoint - The upcoming Mid-Autumn Festival and National Day holidays are expected to boost consumer spending, prompting financial institutions like China Minsheng Bank to enhance support for consumption through various promotional activities [1][2]. Group 1: Consumer Market Trends - The consumer market is entering a peak season as the dual holidays approach, with a focus on diverse consumer needs and quality service [1][2]. - The National Bureau of Statistics reported a 3.4% year-on-year increase in retail sales of consumer goods in August, indicating a growing demand for quality and service-oriented consumption [2]. Group 2: Financial Services Innovations - China Minsheng Bank's credit card center is launching a series of promotional activities, including exclusive offers for the Minsheng Sam's Club co-branded credit card and various discounts across multiple brands [2][3]. - The bank is collaborating with major platforms like JD.com, Meituan, and Alipay to enhance consumer experience through initiatives like the "One-Click Card Binding" campaign, offering up to 188 yuan in payment discounts [3][5]. Group 3: Enhancing Consumer Experience - The bank's "All-in-One Manager" service extends discounts to everyday life services, allowing cardholders to enjoy savings on utility payments and other daily expenses [5][6]. - The integration of financial services with daily consumer needs aims to create a more convenient and beneficial experience for customers, reflecting the bank's commitment to enhancing the quality of life [5][6]. Group 4: Future Outlook - The "Double Festival" activities are seen as a starting point for ongoing innovation in financial services, with the bank aiming to continuously optimize products and services to inject new momentum into the consumer market [6].

Group 1 - The concept of "suitability management" refers to financial institutions identifying, advising, matching, selling, and trading products based on their attributes and risks, alongside clients' financial needs and risk tolerance [2] - Financial institutions are responsible for ensuring that suitable products are sold to appropriate clients, adhering to legal and regulatory requirements [2] - Risk levels of financial products are categorized from low to high, with five levels defined: Level 1 (low risk), Level 2 (lower risk), Level 3 (medium risk), Level 4 (higher risk), and Level 5 (high risk) [3][4] Group 2 - Level 1 products primarily invest in low-risk short-term financial assets, such as money market funds and cash management products [3] - Level 2 products mainly invest in debt assets with a low proportion of equity assets, presenting a lower overall risk [3] - Level 3 products typically invest in debt assets with equity assets not exceeding 40%, facing some risk of principal loss [3] Group 3 - Level 4 products invest in both equity and debt assets, with equity assets exceeding 40%, thus facing significant principal loss risks [3] - Level 5 products can invest entirely in equity or derivative assets, facing extreme risks of principal loss [3] - The risk ratings are based on past performance and risk conditions of similar products, but do not guarantee future risk-return characteristics [4] Group 4 - Investors must undergo a risk tolerance assessment before purchasing financial products, ensuring their risk capacity meets or exceeds the product's risk level [6] - The assessment includes factors such as age, financial status, investment experience, objectives, expected returns, risk preferences, liquidity needs, and loss tolerance [6] - The validity of the risk assessment is twelve months, after which a new assessment is required for purchasing bank-distributed products [8]

Core Viewpoint - Minsheng Bank's Beijing branch is actively implementing a comprehensive consumer protection system, focusing on anti-fraud measures, counterfeit currency prevention, and elderly care, to enhance financial service safety and convenience for the public [3][9]. Group 1: Consumer Protection Initiatives - The bank has established a "Big Consumer Protection" work system, emphasizing the political and public nature of financial work, and is committed to safeguarding consumers' financial interests [3][9]. - Various activities have been organized, including over 300 events targeting the elderly, such as health checks and cultural performances, to promote financial literacy and well-being [4][5]. Group 2: Targeted Education and Outreach - The bank conducts tailored financial education programs for different demographics, including the elderly and youth, using engaging methods like games and hands-on activities to improve financial literacy [5][6]. - Community outreach efforts include practical services like counterfeit currency identification and small denomination currency exchange, aimed at workers, villagers, and foreign nationals [6][10]. Group 3: Innovative Communication Strategies - Minsheng Bank employs a dual approach of online and offline education, utilizing public education zones in branches and digital platforms to disseminate financial knowledge and risk awareness [7][8]. - The bank collaborates with local authorities and community organizations to enhance the effectiveness of its educational initiatives, including joint efforts with law enforcement to address fraud and counterfeit issues [7][9]. Group 4: Service Optimization and Accessibility - The bank is committed to improving service accessibility through infrastructure upgrades, ensuring all branches meet standards for serving visually impaired consumers and providing convenient facilities for the elderly [9][10]. - Innovations in service processes include integrating financial education into all customer interactions and enhancing the functionality of self-service devices to cater to the needs of older clients [9][10].

9月26日，民生银行公告称，近日该行收到《国家金融监督管理总局关于民生银行修改公司章程的批 复》。自《公司章程》核准之日起，该行监事会依法撤销，职工监事已提交辞职函，原股东监事、外部 监事、职工监事不再继续履职，《中国民生银行股份有限公司监事会议事规则》等监事会及其专门委员 会相关公司治理制度废止，该行各项规章制度中涉及监事会、监事的规定不再适用，董事会审计委员会 行使《公司法》和监管制度规定的监事会职权。翁振杰、吴迪、鲁钟男、李宇、龙平、毛斌不再担任本 行监事，已确认与本行无不同意见，亦无任何其他相关事项需要通知本行股东及债权人。 （文章来源：中国经营报） ...

证券简称：民生银行 A股代码：600016 优先股简称：民生优1 特此公告 中国民生银行股份有限公司董事会 2025年9月26日 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：2025-037 中国民生银行股份有限公司 关于公司章程修改获国家金融监督管理总局核准的公告 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"）于2025年6月26日召开的2024年年度股东会会议审议通过了 《关于修订〈中国民生银行股份有限公司章程〉的议案》。近日，本行收到《国家金融监督管理总局关 于民生银行修改公司章程的批复》（金复﹝2025﹞566号），国家金融监督管理总局已核准本行修改后 的公司章程。 根据相关规定，公司章程自国家金融监督管理总局核准后生效。修改后的公司章程（包括《中国民生银 行股份有限公司股东会议事规则》《中国民生银行股份有限公司董事会议事规则》）详见上海证券交易 所网站（www.sse.com.cn）和本行网站（www.cmbc.com.cn ...

中國民生銀行股份有限公司章程 （2025年9月23日國家金融監督管理總局核准） 1 經國務院國函[1995]32號《國務院關於設立中國民生銀行的批覆》、中國人民 銀行銀覆[1996]14號《關於中國民生銀行開業的批覆》，本行以發起方式設立，於 1996年2月7日在國家工商行政管理局登記註冊，取得營業執照。本行現統一社會 信用代碼為91110000100018988F。 本行成立時的發起人為：廣州益通集團公司、中國鄉鎮企業投資開發有限公 司、中國煤炭工業進出口總公司、中國船東互保協會、山東泛海集團公司、哈爾 濱亞麻廠、廈門福信集團有限公司、寧波市經濟建設投資公司、北京萬通實業股 份有限公司、杭州通普電器公司、昆明建華企業集團、深圳前進開發公司、希望 集團有限公司、哈爾濱歲寶熱電股份有限公司、鄭州夢達實業有限公司、河南電 力開發有限公司、昆明百貨大樓、南海市桂城商業貿易物資總公司、中國旅遊國 際信託投資有限公司、湛江經濟技術開發區財務開發公司、深圳市寶安區潤田企 業公司、鞍山市騰鰲區遼河飼料集團公司、廣東恒豐投資集團有限公司、山西安 泰國際企業（集團）股份有限公司、河南興亞企業集團有限公司、南寧南和發展公 司、長 ...

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 賴該等內容而引致的任何損失承擔任何責任。 中國民生銀行股份有限公司 CHINA MINSHENG BANKING CORP., LTD. （在中華人民共和國註冊成立的股份有限公司） （股份代號：01988） 公司章程修改獲國家金融監督管理總局核准 及 不再設立監事會 中國民生銀行股份有限公司（「本行」）於2025年6月26日召開的2024年股東周年大 會（「股東周年大會」）上審議通過了關於修訂公司章程的議案。近日，本行收到 《國家金融監督管理總局關於民生銀行修改公司章程的批覆》（金覆[2025]566號）， 國家金融監督管理總局核准本行修改後的公司章程。根據相關規定，本行修改後 的公司章程自國家金融監督管理總局核准後生效。 鑒於公司章程現已獲核准生效，本行監事會自本行公司章程核准之日起依法撤 銷。《中國民生銀行股份有限公司監事會議事規則》等監事會及其專門委員會相關 公司治理制度廢止，本行各項規章制度中涉及監事會、監事的規定不再適用，董 事會審計 ...

民生银行1996年成立，是国内首家由民营企业发起设立的全国性股份制商业银行。2000年、2009年先后 在上交所和香港联交所上市。 文/华夏ESG观察联盟 企业介绍 截至2024年年底，中国民生银行董事会关联委成员为6名，全部为独立非执行董事，均是金融、会计、 审计、法律等相关领域的资深专业人士。2024年，董事会关联委共召开5次会议，审议7项议题，听取3 项报告。 专家点评：民生银行以稳健治理赢得信赖，以责任金融引领未来，MSCI"AAA"评级见证其在全球ESG 舞台上的卓越表现。（施涵-香港大学） 实践案例 编辑：麻晓超 中国民生银行修订《中国民生银行员工行为禁止规定》《中国民生银行员工违规违纪行为处分办法》等 制度，组织全行员工学习并签署遵守员工行为禁止规定承诺书。2024年，共计开展合规培训6,989次， 累计培训人数26.3万人次。 中国民生银行持续加强洗钱风险管理文化建设。例如，举办"民生杯"劳动与技能竞赛暨反洗钱大比武赛 事，全行5万余人次参与。组织全行开展"打击洗钱犯罪，构建和谐民生"反洗钱短视频宣传，发布涉黑 涉恶、防非防诈等主题共计10期20份宣传视频及1期环境犯罪主题宣传海报。 中国民生 ...