日前，工商银行、农业银行、中国银行、建设银行、交通银行五大行牵头，联合民生银行、进出口 银行、浦发银行，共同组成银团，向上海复星高科技（集团）有限公司（以下简称"复星高科"）提供总 计人民币120亿元贷款。这是今年开年以来，银行签约的最大一笔民营企业贷款。 近年来，银行对民营企业的信贷支持力度不断加大。多家银行表示，将进一步完善敢贷、愿贷、能 贷、会贷长效机制，持续优化信贷政策，提供多元化综合服务，促进民营经济发展壮大。 民企大额贷款频现 截至2022年11月末，普惠型小微企业贷款余额23.2万亿元，同比增长23.7%。银行业民营小微企业 信贷投放总体呈现"量增、面扩、价降、质升"的良好态势。 1月16日，复星高科与8家国内银行签署贷款协议。根据协议，工商银行、农业银行、中国银行、建 设银行、交通银行作为联合牵头行，民生银行、进出口银行、浦发银行作为参贷行，共同组成银团，向 复星高科提供总计120亿元人民币贷款。 业内人士指出，2022年底召开的中央经济工作会议提出，要从制度和法律上把对国企民企平等对待 的要求落下来，从政策和舆论上鼓励支持民营经济和民营企业发展壮大。此次银团贷款成功落地，是银 行机构积极发挥 ...

Core Insights - Minsheng Bank reported total assets of 78,149.69 billion yuan as of the end of 2024, an increase of 1,400.04 billion yuan, or 1.82% year-on-year [1] - The bank's net interest margin for 2024 was 1.39%, a decrease of 7 basis points from the previous year, but the decline has narrowed [1] - The bank focused on supporting key areas of the real economy, optimizing its asset-liability structure, and stabilizing net interest margins [1] Asset Side - The total amount of loans and advances reached 44,504.80 billion yuan, increasing by 656.03 billion yuan, or 1.50% year-on-year [1] - Growth rates for green credit, manufacturing loans, and inclusive small and micro enterprise loans were 22.41%, 9.38%, and 8.24%, respectively, all exceeding the average loan growth rate [1] - Loans in key regions such as Beijing-Tianjin-Hebei, Yangtze River Delta, and Guangdong-Hong Kong-Macao Greater Bay Area accounted for 65.57% of total loans, up 0.69 percentage points from the previous year [1] Liability Side - The bank actively reduced high-cost liabilities and expanded demand deposit sources, achieving a 4.54% increase in total deposits to 42,490.95 billion yuan [2] - The proportion of demand deposits in total deposits rose to 34.08%, an increase of 2.61 percentage points from the previous half-year [2] - The bank emphasized customer management, resulting in a steady increase in customer numbers and enhanced sustainable development capabilities [2] Small and Medium Enterprises (SMEs) - The bank aims to become the primary bank for small and medium-sized enterprises by optimizing its service model and enhancing customer acquisition channels [3] - As of the end of 2024, the loan balance for small and medium enterprises was 9,720.41 billion yuan [3] - The number of institutional clients increased by 15.96% year-on-year, reaching 39,637 [3] Inclusive Finance - The bank has enhanced its differentiated advantages in small and micro finance, with small micro loans totaling 8,551.02 billion yuan, an increase of 638.86 billion yuan [4] - The average interest rate for inclusive small micro enterprise loans was 4.27%, down 38 basis points from the previous year [4] - Retail customer numbers grew by 5.99% to 134.29 million, with private banking clients increasing by 12.48% [4]

Core Viewpoint - Agricultural Bank of China saw its stock price increase by over 1% during trading, reaching a new historical high, with other banks such as Everbright Bank, Postal Savings Bank, Industrial Bank, Minsheng Bank, and Chongqing Bank also experiencing gains [1] Group 1 - Agricultural Bank of China achieved a stock price increase of over 1% [1] - The stock price of Agricultural Bank of China reached a new historical high [1] - Other banks including Everbright Bank, Postal Savings Bank, Industrial Bank, Minsheng Bank, and Chongqing Bank followed suit with their stock price increases [1]

Core Insights - The commercial space industry in China is witnessing significant advancements, with multiple private rocket companies successfully launching payloads into orbit, marking a transformative period in the sector [1][2][3] - Minsheng Bank has strategically positioned itself to support these companies through tailored financial services, demonstrating a commitment to innovation and collaboration within the industry [2][3][4] Group 1: Industry Developments - The successful launch of the "Li Jian No. 1" rocket by China Aerospace Yu Hang, which delivered six satellites into orbit, highlights the capability of Chinese private rockets to handle over six tons of payload [1] - The completion of the "Tianqi Constellation" global network by Xinghe Power's "Goddess Star No. 1" signifies a major milestone in the era of interconnected devices [1] - The advancements in liquid oxygen-methane rocket technology by Blue Arrow Aerospace with the "Zhuque No. 2" rocket further showcase the progress in China's commercial space capabilities [1] Group 2: Financial Support and Strategy - Minsheng Bank has proactively engaged with the commercial space sector, providing comprehensive financial services to five out of six major private rocket companies, thus facilitating their growth and innovation [1][2] - The bank has adopted a differentiated service strategy, focusing on understanding the unique risks and opportunities within the commercial space industry, moving beyond traditional credit assessment methods [2][3] - Minsheng Bank's establishment of specialized financial branches and institutions aims to support high-tech industries and enhance its understanding of the commercial space sector [2] Group 3: Comprehensive Service Offerings - The "Minsheng Easy Innovation" service matrix offers a one-stop solution for technology companies, integrating various financial products and services tailored to their needs [4] - Minsheng Bank plays a proactive role in equity financing for private rocket companies, leveraging its network to connect them with venture capital and private equity firms [4] - The bank provides premium services to executives and employees of these companies, enhancing their overall experience and support [4] Group 4: Ecosystem Development - Minsheng Bank is expanding its financial services across the entire commercial space industry chain, from upstream suppliers to downstream satellite manufacturing and data applications [6] - The "Minsheng E-Chain" product series addresses diverse financing needs within the supply chain, utilizing transaction data for risk assessment and financial service delivery [6] - The bank's commitment to supporting the commercial space sector aligns with its mission to facilitate the realization of ambitious projects and innovations in the industry [6]

6月18日至20日，2025年中国国际金融展在上海举行。本届展会以"开放创新，科技赋能，共创金融新未来"为主题，中国民生银行作为受邀参展单位亮 相此次金融盛会。 在金融展数字人民币专区，民生银行以"民生时光 数币焕彩"为主题，打造复古国潮风格展区，通过"数币创新成果""数币品牌故事""数币时光贩卖 机""数币趣味互动"四大体验专区，全面展示该行在数字人民币领域的探索实践与创新成果。 民生银行展区凭借独特的国潮设计、沉浸式互动体验及前沿数币应用，成为数币专区焦点，吸引大量观众驻足参与。"数币时光贩卖机"前互动热 烈，"数币趣味互动"打卡不断，现场气氛高涨。同时，民生银行在数字人民币领域的实践引发同业机构、行业专家及媒体深度交流。 民生银行高度重视数字人民币试点工作。在中国人民银行有力指导下，民生银行作为数字人民币2.5层合作银行，与中国人民银行数字货币研究所和运 营机构密切合作，深度参与数字人民币建设与推广，积极开展数字人民币应用场景创新，取得了突出成果。 目前，民生银行已在数字人民币APP以及行内多个渠道为客户提供数字人民币服务，是国内首家对接互联互通平台受理数字人民币收单业务的合作银 行，是国内首家在数字人 ...

来源：笔尖网官方 前十大重仓股分别是平安银行、工商银行、交通银行、建设银行、兴业银行、中国银行、中信银行、民生 银行、光大银行、农业银行，清一色的银行股，且前十持仓占比合计达46.73%。在今年一季度，该基金的 前十大重仓有9只为银行股、1只保险股；2024年四季度，前十大重仓有8只为银行股、1只保险股、1只家 用电器股；2025年三季度，前十大重仓有7只为银行股、1只保险股、1只家用电器股、1只电子股。 《笔尖网》文/笔尖财经 随着中国证监会《推动公募基金高质量发展行动方案》的落地，基金在公司治理、产品发行、投资运作、 考核机制等方面日渐完善，形成行业高质量发展的"拐点"。不过，却有基金公司置若罔闻，旗下基金在配 置资产时依然"挂羊头卖狗肉"，视契约如儿戏。 金信基金旗下的金信智能中国2025混合基金则是典型一例，在二季度前十大重仓股中，清一色配置了银行 股。并且，多年来，该基金一直在"亲银行疏智能"。8月5日，金信基金在该基金吧中发起"银行板块投资的 宏观逻辑是什么？"的讨论，基金经理杨超大谈自己的投资心得。但在随后的基民留言中，"自相矛盾"四个 字尤为扎眼。 玩得上瘾！ 从基金名称上看，真正的"智能中国 ...

Group 1 - The core viewpoint of the news is the collaboration between Minsheng Bank and Sam's Club in Hefei, which marks a new beginning for financial services integrated with retail, enhancing consumer experience in Anhui [1][2] - Minsheng Bank's Hefei branch has opened its first community branch within a Sam's Club, aiming to provide convenient financial services and improve consumer experience through a "retail + finance" model [1][3] - The partnership aligns with national policies to promote consumption upgrades and optimize the business environment, enhancing consumer experience and unlocking consumption potential in Anhui [1][2] Group 2 - Minsheng Bank and Sam's Club have launched co-branded credit and debit cards, offering significant cashback rewards to cardholders, which is expected to stimulate local consumption [2] - As of July 2025, over 24,000 customers have applied for the co-branded credit card, indicating strong interest and laying a solid foundation for further collaboration [2] Group 3 - The new community branch aims to create a "15-minute convenient service circle," providing a range of financial and non-financial services to local residents [3] - The branch operates in sync with Sam's Club hours, offering services such as credit and debit card applications, ATM transactions, and special member activities [3] Group 4 - The community branch integrates financial services into the shopping experience at Sam's Club, offering family-oriented activities that promote financial literacy while providing specialized services [4] - The branch is positioned as a community life center, enhancing the synergy between shopping and financial services, contributing to consumer upgrades and regional economic development in Anhui [4]

来源：金融人事mini 今年以来，民生银行信用卡中心管理层大换血，先后迎来三位副总经理闫春仲、黄海俊、胡跃鑫；原信用卡中心总裁陈大鹏调任深圳分行行长，原合肥分行行长孙兴接任信用卡中心总裁。 民生银行总行部门设置（2024年报） 33个部门，较2023年精简了3个：撤销了地产金融部和投资银行部，由于伦敦分行的成立也取消了原伦敦分行筹备组；另外优化科技金融组织架构，组建公司业务部/科技金融部。 地方分行 近日，民生银行高管层出现年内首次变动。7月23日，民生银行公告，副行长石杰因到龄退休离任；同时，聘任李稳狮为副行长，自其任职资格获准之日起就任，现年48岁的李稳狮将成为民生银 今年上半年，民生银行的中层管理人员也经历一轮较大调整，总行多个部门总经理赴任地方，部分一级分行行长调任总行。 本期银行人事，继续介绍民生银行总分行人事变动，其中，总行交易银行部副总转正，多位一级分行副行长的任职资格近期获批复。 总行部门 总行交易银行部副总经理邓莎莎，拟任交易银行部总经理；原交易银行部总经理杨鲲鹏已调任合肥分行行长。 邓莎莎，武汉大学金融学学士，香港大学IMBA，有20多年贸易融资从业经验，对银行保理业务操作风险、法律风险和 ...

Core Viewpoint - The China Securities Index ESG 80 Index has shown positive performance, with a recent increase in value and a diversified selection of securities based on ESG ratings and volatility [2][3]. Group 1: Index Performance - The China Securities Index ESG 80 Index has risen by 1.19% over the past month, 7.17% over the past three months, and 2.25% year-to-date [2]. - The index is based on a starting point of 1000.0 points as of June 30, 2011 [2]. Group 2: Index Composition - The index comprises 80 securities selected from the CSI 300 based on an ESG score of E+ or higher and the lowest volatility over the past six months [2]. - The top ten weighted securities in the index include Nanjing Bank (2.21%), Yangtze Power (1.87%), Zheshang Bank (1.82%), Agricultural Bank of China (1.82%), Daqin Railway (1.74%), Minsheng Bank (1.65%), Bank of Communications (1.60%), Ping An Bank (1.54%), Shanghai Pudong Development Bank (1.47%), and China Everbright Bank (1.47%) [2]. Group 3: Market and Sector Allocation - The index's holdings are primarily listed on the Shanghai Stock Exchange (73.31%) and the Shenzhen Stock Exchange (26.69%) [2]. - Sector allocations within the index include Financials (28.68%), Industrials (22.39%), Materials (11.53%), Healthcare (10.64%), Utilities (9.16%), Consumer Staples (6.80%), Energy (4.85%), Consumer Discretionary (3.67%), and Information Technology (2.28%) [3]. Group 4: Index Adjustment Mechanism - The index samples are adjusted semi-annually, with adjustments implemented on the next trading day following the second Friday of June and December each year [3]. - Weight factors are generally fixed until the next scheduled adjustment, with provisions for temporary adjustments in special circumstances such as delisting or corporate actions [3].

Group 1 - The opening of the first community branch of Minsheng Bank in Anhui, located within the Sam's Club, marks a new collaboration between the two entities, enhancing financial services and consumer experience in Hefei [2][3] - The partnership aligns with national policies aimed at upgrading consumption structures and optimizing the business environment, creating a "financial + life" value-added service ecosystem for consumers in Anhui [3] - As of July 2025, over 24,000 customers have applied for the co-branded credit card, establishing a solid foundation for deep cooperation between Minsheng Bank and Sam's Club [3] Group 2 - Minsheng Bank has established 30 community branches in Hefei, with the new branch aiming to create a specialized community banking service, enhancing convenience for local residents [4] - The community branch operates in sync with Sam's Club hours, offering various financial and non-financial services, including credit card applications and cash withdrawals [4] - The branch integrates financial services into consumer scenarios, providing family-oriented activities that promote financial literacy while offering specialized services like children's account management [5] Group 3 - Minsheng Bank's Hefei branch views the new community branch as a starting point for enhancing services in Anhui, aiming to innovate the "financial + life" service model [6] - Customers have expressed satisfaction with the ability to apply for co-branded cards while shopping at Sam's Club, enjoying a seamless "shopping + financial management" experience [6] - Upcoming promotional activities are planned to further reward local residents, indicating a commitment to improving convenience and quality of life in the region [6]