盛京银行党委始终坚守"金融报国"初心，立足"市民的银行、城市的银行、国有的银行"定位，推动党建 与业务深度融合。在"盛先锋"党建品牌引领下，各基层党组织充分发挥战斗堡垒与党员先锋模范作用， 深入服务一线，为各类融资主体量身定制解决方案，着力构建多层次、可持续的普惠金融服务体系，以 高质量党建精准赋能普惠金融高质量发展。 以信促贷 不看抵押看"画像" 对小微企业来说，由于生产规模小、缺少足值抵质押物，经常难以满足银行的贷款门槛要求。盛京银行 更重视企业信用和创新能力，开展"轻资产、宽信用、便利化"融资，推动企业产业升级和高质量发展。 盛京银行党委深入贯彻落实中央金融工作会议精神，引导全体党员立足本职抓落实，持续提高促适配， 积极开发差异化、个性化产品，引"金融活水"精准滴灌。 以奋斗之姿续写初心，把堡垒建在企业心坎上。在盛京银行党委的坚强领导下，各分支机构党组织努力 让金融服务更精准，为科技企业定制专属服务方案，推广面向科创型小微企业的"盛科贷"等产品，因地 制宜、因企施策，开展特色化金融创新。 北京顺义支行党支部精准营销国家级高新技术企业北京某科技有限公司，通过"贷款投放+投资款归 集"组合服务，成功落地80 ...

本报讯 （记者袁传玺）盛京银行积极落实中央金融工作会议"五篇大文章"绿色金融工作要求，充分发 挥"盛先锋"党建品牌引领作用，积极践行社会责任，丰富绿色金融产品谱系，强化绿色金融服务创新， 加大绿色金融信贷投放，全力做好绿色金融大文章。 深耕不辍 有序扩大绿色信贷规模 盛京银行聚焦服务绿色低碳产业发展，重点布局节能环保、清洁能源、绿色交通运输、绿色建筑、转型 金融及绿色与普惠融合等领域，不断提升金融服务的"绿色含量"。在"盛先锋"精神的驱动下，绿色信贷 规模实现快速增长。截至2025年11月末，全行绿色信贷余额157.21亿元，比年初增加47.75亿元，增速 43.62%，充分彰显了绿色金融发展的"先锋速度"。 在战略引领与制度建设方面，盛京银行紧密结合行业发展趋势，从战略布局到落地执行，不断完善绿色 金融制度体系框架，自2024年起，相继出台《关于做好"五篇大文章"深入推进绿色金融的实施方案》和 《盛京银行绿色金融管理办法》，以"先锋速度"有效推动绿色金融业务迈向新高度。 在生态共建与价值共创方面，该行于同年成功举办"盛情下午茶"节能环保产业集群论坛，汇聚行业专 家、学者及企业代表，共同探讨绿色低碳产业的发展 ...

Group 1 - The banking industry is entering a "New Year" preparation phase, with some banks raising fixed deposit rates despite a general downward trend in deposit rates [1][4] - Banks like Hangzhou Bank, Ningbo Bank, and Shengjing Bank have recently increased rates on certain deposit products to attract customers during the traditional year-end savings season [1][3] - The increase in deposit rates is seen as a temporary measure by some banks, with potential for future rate reductions as they aim to lower funding costs [1][4] Group 2 - Specific rate adjustments include Hangzhou Bank raising its 3-year fixed deposit rate for new funds of 200,000 yuan to 1.9%, an increase of 10 basis points [2][3] - Ningbo Bank has also raised its 1-year fixed deposit rate for new funds of 200,000 yuan to a maximum of 1.6%, up from 1.5% [3] - Shengjing Bank introduced new deposit products with rates of 1.65%, 1.75%, and 1.85% for 1-year, 2-year, and 3-year terms, respectively [3] Group 3 - Industry experts suggest that the rate increases are a response to competitive pressures, particularly among smaller regional banks, as they prepare for the upcoming "New Year" competition [4] - Some banks have begun to phase out high-cost long-term deposits, with major state-owned banks collectively withdrawing 5-year large-denomination certificates of deposit [5] - The current environment allows banks to flexibly adjust deposit rates based on their specific business strategies and market conditions [5][6] Group 4 - The trend of declining long-term deposit products is evident, with major banks lowering rates and some even discontinuing 3-year and 5-year fixed deposit products [10] - As deposit rates approach zero, there is a growing interest among residents in investment and wealth management alternatives, with a notable shift towards diversified asset allocation [11][13] - The "New Three Golds" investment strategy, which includes money market funds, bond funds, and gold ETFs, is gaining popularity among younger investors as they seek stable returns with manageable risks [8][9][14]

在存款利率持续走低趋势下，近日，部分银行逆势上调定期存款利率。中国证券报记者调研获悉，杭州 银行、宁波银行、盛京银行等银行上调了部分存款产品利率。 上述多家银行客户经理向记者表示，上调后的存款利率或将持续到年底，但根据银行吸收存款的情况， 有可能随时进行调整。 压降负债成本 业内人士认为，年末是传统的揽储旺季，部分银行通过上调存款利率来吸引客户存款。整体来看，上调 存款利率是部分银行的阶段性行为，在压降负债成本的背景下，未来存款利率仍存在下调空间。 部分银行上调存款利率 "我行存款利率上调了，20万元起的新资金3年期定存利率为1.9%，20万元起的非新资金3年期定存利率 为1.8%；5万元起的3年期定存利率为1.75%，5万元起的2年期定存利率为1.6%，5万元起的1年期定存利 率为1.5%。"杭州银行北京东城区一支行客户经理告诉记者。 该客户经理表示，20万元起新资金的3年期定存利率较此前上调10个基点，自12月开始执行。 与杭州银行类似，宁波银行、盛京银行也于近日上调了部分存款产品利率。宁波银行北京朝阳区一支行 客户经理表示，客户存入20万元以上的新资金，1年期定存利率最高可上浮至1.6%，此前1年期定存 ...

部分银行"逆势"上调存款利率 在国有大行集体下调人民币存款利率、五年期大额存单"下架"的背景下，部分银行选择"逆势"上调存款利率。 12月5日，据中国证券报报道，杭州银行在北京东城区一支行客户经理表示，存款利率上调，20万元起的新资金3年期定 存利率为1.9%，20万元起的非新资金3年期定存利率为1.8%；5万元起的3年期定存利率为1.75%，5万元起的2年期定存 利率为1.6%，5万元起的1年期定存利率为1.5%。 与杭州银行类似，宁波银行、盛京银行也于近日上调部分存款产品利率。业内人士认为，部分银行上调存款利率是为揽 储而采取的阶段性行为。 央行连续第13个月增持黄金 12月7日，央行数据显示，11月末外汇储备报33463.72亿美元。中国11月末黄金储备报7412万盎司，环比增加3万盎司， 为连续第13个月增持黄金。 公募基金规模再创新高 监管下调险资股票风险因子，机构预测将带来明显的增量资金 时隔两年，监管再次下调保险公司风险因子，A股市场又迎中长期耐心资金。 12月5日，国家金融监督管理总局发布《关于调整保险公司相关业务风险因子的通知》(以下简称《通知》)，有关司局 负责人就《通知》回答了相关提问。 ...

今年以来，多家银行陆续下调人民币存款利率。近期，六大国有银行集体下架五年期大额存单。记者查 询工、农、中、建、交、邮储六大行官网及App发现，五年期大额存单已集体"消失"，仅剩的三年期产 品利率普遍降到1.5%至1.75%，且额度紧张。与此同时，部分中小银行也开始调整甚至直接取消三年 期、五年期普通定期存款产品。 然而最近记者发现，部分银行于近日上调部分存款产品利率。 "我行存款利率上调了，20万元起的新资金3年期定存利率为1.9%，20万元起的非新资金3年期定存利率 为1.8%；5万元起的3年期定存利率为1.75%，5万元起的2年期定存利率为1.6%，5万元起的1年期定存利 率为1.5%。"杭州银行在北京东城区一支行客户经理向记者表示。该客户经理表示，20万元起新资金的 3年期定存利率较此前上调10个基点，自12月开始执行。 记者调研获悉，与杭州银行类似，宁波银行、盛京银行也于近日上调部分存款产品利率。 业内人士认为，部分银行上调存款利率是为揽储而采取的阶段性行为。 今年以来，多家银行陆续下调人民币存款利率。近期，六大国有银行集体下架五年期大额存单。记者查 询工、农、中、建、交、邮储六大行官网及App发现， ...

Core Viewpoint - Recent adjustments in deposit interest rates by banks such as Hangzhou Bank indicate a strategic move to attract deposits, despite an overall trend of declining rates in the banking sector [1]. Group 1: Deposit Rate Adjustments - Hangzhou Bank has raised its deposit rates, with new funds for a 3-year term set at 1.9% for amounts starting from 200,000 yuan, while non-new funds for the same term are at 1.8% [1]. - For smaller deposits, the 3-year term rate is 1.75% for amounts starting from 50,000 yuan, with rates decreasing to 1.6% for 2-year terms and 1.5% for 1-year terms [1]. - Similar rate increases have been observed at Ningbo Bank and Shengjing Bank, suggesting a broader trend among certain banks to adjust rates [1]. Group 2: Industry Trends - The increase in deposit rates by some banks is viewed as a temporary measure aimed at boosting deposit inflows [1]. - Despite these isolated increases, the general trend in the banking industry remains towards lower deposit rates overall [1].

后续银行降存款成本的进程还将延续，但下调节奏可能放缓。 岁末本是银行揽储旺季，但在净息差持续承压的背景下，银行业存款产品结构调整进入深水区。 记者近日发现，存款市场已进入差异化竞争阶段：一边是5年期大额存单正加速退出市场，部分国有大行收缩长期高成本存款，推出更高起存门槛的大额存 单；一边是中小银行差异化调整，逆势上调存款利率。 中信证券首席经济学家明明表示，近期多家银行下架5年期定期存款产品，背后或暗含银行负债端久期开始缩短的信号；此外，一般性存款增长波动加大、 核心存款增长乏力等也难以为商业银行资产端拉长久期提供较多支撑。然而，政府债供给期限以及银行提高收益的诉求下，银行客观存在拉长配债久期的需 求，因此如何兼顾收益与风险，将成为商业银行稳健发展的重要课题。 5年大额存单逐步退场 按照以往惯例，大额存单作为商业银行年底揽储的重磅产品，此时应是银行加大布局的旺季，但近期5年期大额存单逐步退出市场成为显著趋势。 回溯来看，5年期大额存单的退出并非突然之举。除了国有大行外，曾被当作长期存款核心配置的5年期定期存款，目前已在多数银行呈现停售状态。 招商银行一位客户经理对记者表示："2年期以上的大额存单去年开始就已经 ...

Core Viewpoint - The article emphasizes the importance of grassroots party organizations in implementing the decisions of higher authorities and highlights the launch of the "Sheng Pioneer · Party Industry Integration" project by Shengjing Bank to enhance the political and organizational functions of its party branches [1][2]. Group 1 - Shengjing Bank has initiated a comprehensive training program for 313 party organization secretaries, focusing on enhancing their capabilities and integrating party work with business operations [1][2]. - The training addresses key challenges such as insufficient innovation in grassroots party organizations and the difficulties faced by some secretaries in executing their roles effectively [2]. - The "Six Drives and Six Integrations" methodology has been developed as a new approach to broaden the integration of party and business development [2]. Group 2 - The new party committee at Shengjing Bank is committed to building a "big party building" work framework and enhancing the "Sheng Pioneer" brand, demonstrating a strong resolve to support local economic development and social responsibility [2]. - The initiative aims to cultivate a team of "prosperous talents" who are politically competent, professionally skilled, and have a strong work ethic, positioning them as leaders in the bank's transformation and reform efforts [2]. - Shengjing Bank's efforts contribute to the broader goal of advancing the modernization of Shenyang and fulfilling social responsibilities in the region [2].

Core Viewpoint - The company emphasizes its commitment to enhancing financial services through innovative digital solutions and community-oriented initiatives, aligning with its "Party sent me" promise to serve the public effectively [1][4]. Group 1: Digital Transformation and Service Improvement - The company has focused on improving customer experience by streamlining business processes and enhancing digital capabilities, addressing pain points such as complex account opening procedures and long wait times [2]. - A new "one-stop" service for corporate account opening has been introduced, allowing businesses to fill out information and upload documents via mobile, significantly reducing the time required for account setup to just 20 minutes [2]. - The company aims to enhance its role in digital governance and the digital economy, particularly in areas like pension finance and services for new citizens, creating integrated "finance + life" service scenarios [2]. Group 2: Senior Citizen Services - The company has launched an innovative "online one-stop inheritance" service for deposit inheritance, addressing the challenges faced by elderly customers in managing their bank accounts and investments [3]. - This service, developed in collaboration with the Liaoning Provincial Notary Office, allows for the entire process of deposit inquiry, inheritance, notarization, and collection to be completed online, providing peace of mind for senior clients [3]. Group 3: Community Engagement and Accessibility - The company has implemented "door-to-door services" to assist special groups who may have difficulty accessing banking services, demonstrating a proactive approach to community needs [4]. - Examples include staff visiting elderly clients at home to assist with banking needs and providing education on fraud prevention, as well as facilitating the opening of salary accounts for migrant workers through dedicated services [4]. - The company integrates its "Party sent me" commitment into its service delivery, ensuring that financial services are accessible and responsive to the needs of the community [4].