刊發發售通函 中國民生銀行股份有限公司香港分行 （「發行人」） 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） （「本行」） （股份代號：01988） 5,000,000,000美元中期票據計劃（「該計劃」） 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、史玉柱先生、宋春風先生、趙鵬先生、梁鑫傑先生及林立先 生；獨立非執行董事為曲新久先生、溫秋菊女士、宋煥政先生、楊志威先生、程 鳳朝先生及劉寒星先生。 本公告乃根據香港聯合交易所有限公司（「香港聯交所」）證券上市規則（「上市規 則」）第37.39A條刊發。 請參閱本公告隨附有關該計劃的日期為2025年9月17日的發售通函（「發售通 函」）。誠如發售通函所披露，根據該計劃將予發行的中期票據（「票據」）擬僅供專 業投資者（定義見上市規則第37章）購買，且該計劃已經以及票據（以將於香港聯 交所上市的票據為限）將以此為基礎於香港聯交所上市。 發售通函並不構成向任何司法管轄區的公眾人士提呈出售任何證券的售股章程、 通告、通函、宣傳冊或廣 ...

9月18日，智通财经了解到，近日，中国人民银行厦门市分行发布了罚单，民生银行厦门分行合计被罚款147.96万元，此外相关责任人也被处罚。 罚单显示，民生银行厦门分行的主要违法违规事实（案由）为：违反反假货币业务管理规定；违反数据安全管理规定；未按照规定履行客户身份 识别义务；未履行对异常账户、可疑交易的风险监测和相关处置义务；违反账户管理规定。 针对上述违法违规行为，中国人民银行厦门市分行对其警告，通报批评，并处罚款合计147.96万元。 此外，时任中国民生银行股份有限公司厦门分行零售金融部经理的郭某明，因对未履行对异常账户、可疑交易的风险监测和相关处置义务的违法 行为负有直接责任，被处罚款1万元。 时任小微金融事业部厦门分部/普惠金融事业部厦门分部副总经理的张某琳，因对未按照规定履行客户身份识别义务的违法行为负有直接责任，被 处罚款1.5万元。 时任零售金融部副总经理的林某泉，因对未按照规定履行客户身份识别义务和未履行对异常账户、可疑交易的风险监测和相关处置义务的违法行 为负有直接责任，被处罚款2.5万元。 公开信息显示，民生银行厦门分行于2006年6月20日成立，法定代表人梁海涛。 近期，民生银行频频收到 ...

刊發發售通函 中國民生銀行股份有限公司香港分行 （「發行人」） 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。 本公告及隨附的上市文件僅供參考之用，並不構成收購、購買或認購證券的邀請或要約，或訂 立任何協議以作出任何該等事宜的邀請，亦不被視作收購、購買或認購任何證券的任何要約邀 請。 本公告及本公告所述的上市文件乃按上市規則（定義見下文）規定刊發，僅供參考之用，並不構 成出售任何證券的要約或招攬購買任何證券的要約。本公告及本公告所述任何內容（包括上市 文件）並非任何合同或承諾的依據。為免生疑，刊發本公告及本公告所述的上市文件不應被視 為就香港法例第32章公司（清盤及雜項條文）條例而言根據發行人（定義見下文）或其代表刊發 的售股章程提出的證券發售要約，亦不構成香港法例第571章證券及期貨條例所指其中載有向 公眾人士發出邀請以訂立或發出要約以訂立有關收購、出售、認購或承銷證券的協議的廣告、 邀請或文件。 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 ...

Core Insights - International gold prices have reached new highs, leading to a surge in the issuance of gold-linked financial products [1][2] - The "fixed income +" strategy is popular among financial institutions, combining stable income products with small allocations to capture opportunities in equities and commodities [1][2] Group 1: Product Issuance - Multiple gold-related financial products have been launched since September, with the latest being the 招银理财招睿焦点联动挂钩黄金15号固收类理财计划, which raised approximately 110 million yuan [2] - The product is a closed-end net value fixed income product, primarily investing in fixed income assets and options linked to SGE gold [2] - The annualized performance benchmark for the product ranges from 0.90% to 6.45%, indicating a diverse range of expected returns [2][3] Group 2: Investment Strategies - The investment strategy for these products includes a robust approach to fixed income assets and a structured design for derivatives to enhance asset value while controlling yield volatility [2][3] - The "bull shark fin option structure" is commonly used, allowing investors to lock in higher returns if a trigger price is reached, while limiting losses to the option premium if prices decline [3] - The current market features a variety of gold-linked financial products, primarily classified as R2 risk level "fixed income +" products, aimed at enhancing returns through gold-related assets [3] Group 3: Market Trends - The supply of "fixed income +" financial products is abundant, with banks reporting increased interest from clients in products linked to stock indices and gold [4] - The performance of these products tends to be strong in bullish market conditions for both stocks and gold [4]

Core Viewpoint - Several banks have announced adjustments to their account transaction SMS services, ceasing free SMS notifications for certain accounts, which has garnered significant attention [1][2] Group 1: Service Adjustments - Guangdong Huaxing Bank announced it will stop sending SMS notifications for transactions below 500 yuan starting September 16 [2] - Hubei Zhuqi Agricultural Commercial Bank will cease free SMS notifications for transactions below 100 yuan for certain customers starting September 16, 2025 [2] - China Bank has also adjusted its SMS notification threshold to 100 yuan for personal customers who previously enjoyed lifetime free SMS services, effective May 1, 2025 [2] Group 2: Digital Transformation - The adjustments reflect the banking industry's response to significant operational pressures and the acceleration of digital transformation [3] - Banks are facing challenges such as narrowing net interest margins and profitability pressures, necessitating cost reduction through refined operations [3] - The cumulative costs of SMS services, although low per transaction, represent a significant expense over time, prompting banks to optimize this service [3] Group 3: Service Upgrades - In conjunction with cost reduction, banks are focusing on enhancing online transaction notification services [4] - For instance, Guangdong Huaxing Bank allows customers to receive notifications through its WeChat public account or mobile app for transactions below 500 yuan [4] - Minsheng Bank has introduced an "App Instant Communication" service, providing real-time notifications for any transaction amount without charge [4] Group 4: Future Directions - The adjustments are seen as a necessary step towards embracing digital channels, which offer more real-time and comprehensive notifications compared to traditional SMS [5] - Banks are encouraged to transition from passive notifications to proactive services, enhancing customer experience through data integration and scenario embedding [5] - Five optimization paths for future digital service upgrades include implementing intelligent customer service systems, deepening data mining capabilities, integrating open banking interfaces, optimizing online processes, and enhancing cybersecurity measures [6]

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]