近日，交通银行深圳分行成功助力中广核巴西公司完成了一项具有里程碑意义的跨境人民币商业贷款项 目——LAGOINHA光伏发电建设项目，为中巴两国在"一带一路"框架下的能源合作注入了强劲动力。 定制方案，破解痛点助力企业降本增效 （文章来源：证券时报） 政策引领，双边协议奠定合作基石 项目的顺利推进，得益于中巴两国在深化国际货币体系改革方面的共同努力。2023年，中巴两国签署了 具有里程碑意义的双边协议，正式确立在贸易与融资领域推行本币结算机制。该协议通过构建制度化的 本币清算安排，有效规避了第三方货币汇率波动风险，释放出明确的货币合作信号，促使巴西企业跨境 融资决策发生结构性转变。 跨境协同，精准营销助力项目落地 交通银行深圳分行充分发挥其跨境协同服务优势，在获悉中广核巴西公司Lagoinha项目尚在建设阶段 后，主动出击，向企业详细介绍了人民币贷款业务在融资成本、汇率管理、资金安全等方面的多重优 势。通过境内外资源的深度整合与联动，交通银行深圳分行携手交通银行巴西子行，共同开展精准营 销，为项目量身定制跨境金融解决方案，有效推动了项目的市场推广与落地实施。 此次中巴跨境金融合作项目的成功落地，不仅为人民币国际 ...

Core Viewpoint - The banking sector in China has shown significant resilience and potential for growth, with recent performance surpassing major indices like the Nasdaq 100, indicating a shift in investor sentiment towards banking stocks [1][3][4]. Group 1: Banking Sector Performance - The China Banking AH Index and the China Banking Index have outperformed the Nasdaq 100 Index over the past year [1]. - Major banks such as ICBC, ABC, and others have reached new highs, with the Bank AH Preferred ETF (517900) rising by 28.29% year-to-date [3]. - The banking sector's strong momentum suggests a need for investors to reassess the value of banking stocks [4]. Group 2: Historical Context and Challenges - The current banking rally began in early 2024, initially overshadowed by AI-related stocks [5][6]. - Concerns about the banking sector included shrinking interest margins and pressures on income and profits due to economic recovery challenges [7][8]. - In 2023, a 0.1% decrease in interest margins resulted in a profit reduction of approximately 200 billion [8]. Group 3: Industry Transformation - The banking sector has undergone significant reforms, leading to improved risk management and operational efficiency [12][16]. - Non-interest income has become a larger part of banks' revenue, with some banks achieving over 35% from wealth management [11]. - The restructuring of business models has shifted focus from merely earning interest to diversified profit sources [14]. Group 4: Financial Performance and Outlook - In Q1 2024, listed banks reported a total revenue of 1.52 trillion yuan, a 1.3% year-on-year increase, with net profits rising by 0.6% [18]. - Non-interest income surged by 12.6%, indicating a positive trend despite a decline in interest income [18]. - The outlook for 2024 suggests potential profit growth, with optimistic views from some institutions predicting a recovery in net profit growth [19][20]. Group 5: Investment Trends - Institutional investments in banking stocks have increased, with significant net purchases from foreign capital and insurance funds [21][22]. - The Bank AH Preferred ETF has seen substantial inflows, indicating strong market interest in banking stocks [25][26]. - The introduction of policies linking fund manager compensation to performance may drive further investment into the banking sector [24]. Group 6: Future Prospects - The banking sector is expected to benefit from ongoing economic recovery and a favorable investment environment, with high dividend yields attracting investors [28][29]. - Despite low interest rates, the sector's reforms and diversification strategies have enhanced resilience and profitability [28].

栾健代表山东国投公司，对王晓松一行到访表示欢迎。栾健指出，山东国投公司作为山东省唯一一家省 级国有资本运营公司，聚焦资本运营和资产管理运营两大主业，科学谋划"三步走"百亿投资战略，将新 增投资的90%投向战新产业（300832）和未来产业，聚焦投早投小投硬科技，大力发展新质生产力。公 司强化与地方平台、优势央企、金融机构、高等院校联合协作，参与投资国家级重大科技专项、三代核 电技术代表项目和国产大飞机商用发动机等一批"国之重器""省之大者"优质项目，着力实施战略性并 购，加快实现由"轻资产"向"优资产"、"平台化"向"实业化"、"参与型"向"引领型"的"三个转变"。同 时，公司正加快推进人才集团专业化重组整合，实施二次创业，明确"五个三"发展战略，深化科技、人 才、产业三个融合，着力做强做优人才"招引""服务""投资""赋能"四个核心板块，聚力打造山东省人力 资源产业领军企业。山东国投公司与交通银行长期保持着良好的合作基础，希望双方未来继续深化各领 域交流合作，加强金融联动与资源共享，共同为服务国家重大战略和推动山东省经济社会高质量发展贡 献更大力量。 交通银行山东省分行副行长桑剑及有关部门主要负责同志，山东 ...

Core Viewpoint - The establishment of service consumption and elderly care re-loans is a significant measure to stimulate consumption growth and provide financial support for the service consumption and elderly care industries [1][2]. Group 1: Financial Support and Policy Implementation - The service consumption and elderly care re-loan has a total quota of 500 billion yuan, with an interest rate of 1.5% and a maximum term of 3 years [2]. - The People's Bank of China and six other departments emphasize the need for financial support to boost service consumption, particularly in light of the increasing aging population [2][3]. - Financial institutions are encouraged to provide loans to key areas of service consumption and elderly care, which will help reduce funding costs and enhance the financial support available to these sectors [2][3]. Group 2: Impact and Progress - As of mid-June, financial institutions in Yunnan Province have issued over 1 billion yuan in loans under the service consumption and elderly care re-loan policy, supporting more than 300 businesses [3]. - The China Bank's Shandong branch has issued 64 loans totaling 730 million yuan in support of service consumption and elderly care [3]. - The re-loan initiative is expected to alleviate financing difficulties for businesses in the service consumption and elderly care sectors, contributing positively to economic growth [3][4]. Group 3: Targeted Sectors and Loan Distribution - The re-loan program covers various key areas, including accommodation and catering, cultural, sports and entertainment, education, and elderly care industries [4][5]. - Specific examples include a 10 million yuan loan to a restaurant in Beijing and a 1.9 million yuan loan to a smart elderly care technology service company [4][5]. - The program aims to provide low-cost, long-term funding support to enterprises in the service consumption sectors, addressing their diverse financial needs [5].

为深化金融服务实体经济的创新实践，助力上海打造世界著名旅游城市和国际消费中心城市，7月8日， 交通银行上海市分行举行"心动的旅'城'·上海站"年度文旅品牌启动仪式。 转自：新华财经 会上，交通银行上海市分行与上海市文化和旅游局签署战略合作协议，双方将围绕"金融+文旅""文旅 +金融"融合，共同培育具有全球标识度的文旅融合标杆。 交通银行上海市分行党委书记、行长杨勇表示，作为唯一总部在沪的中管金融机构，此次"心动的 旅'城'·上海站"启动，标志着交行在金融赋能文旅领域迈出新步伐。未来，交行将持续践行"人民所盼、 政府所需、交行所长"的初心使命，通过金融供给侧改革激活消费新引擎，为上海建设世界著名旅游城 市、国际消费中心城市贡献更大力量。 编辑：林郑宏 近年来，交通银行上海市分行围绕"一站式外卡支付方案""致敬非遗老字号礼遇""票根经济专属权益体 系"三大核心，推出了一系列创新举措。为优化国际旅客的体验，该行率先破解跨境支付难题，与强生 出租合作，首创"外卡手机POS"NFC支付解决方案，打破境外信用卡支付障碍；为推动非遗传承与中式 美学的发展，该行在"买单吧"APP中开设"致敬非遗"主题活动专区，推出一系列特色 ...

Industry Investment Rating - The industry investment rating is maintained at "Outperform" [1] Core Insights - The report discusses the impact of deposit rate adjustments on banks, indicating that the adjustments have a limited impact on financial outflows [4][7] - The establishment of a market-oriented deposit rate adjustment mechanism aims to align deposit rates with market rates, thereby reducing banks' funding costs and facilitating lower loan rates [14][17] - The report highlights a significant shift in deposit structures due to regulatory changes, with a notable migration of deposits from large banks to smaller banks and non-bank financial institutions [6][37] Summary by Sections 1. Reasons for Deposit Rate Adjustments - The adjustments are aimed at promoting interest rate marketization and improving policy transmission, breaking the rigid link between deposit rates and benchmark rates [4][14] - The adjustments are expected to lower banks' funding costs, which constitute over 70% of their liabilities, thereby creating room for loan rate reductions [17][18] 2. Review of Past Adjustments - Historical adjustments include the reduction of structured deposits from CNY 15.4 trillion to zero between 2019 and 2020, and the optimization of deposit rate ceilings in June 2021 [5][22] - The establishment of a market-oriented adjustment mechanism in April 2022 has led to multiple rounds of deposit rate reductions, with long-term deposit rates decreasing more than short-term rates [23][24] 3. Market Impact Review - The report notes that during the initial adjustment phases, there was a significant outflow of structured deposits to wealth management and insurance products [6][37] - The adjustments have generally resulted in a shift of deposits from large banks to smaller banks, as well as a migration towards wealth management and insurance products [6][37] 4. Future Outlook and Investment Recommendations - The report anticipates a significant volume of maturing fixed-term deposits in the third quarter, with potential outflows to non-bank institutions [7] - It suggests focusing on banks that may benefit from reduced funding costs and improved net interest margins, highlighting specific banks such as Bank of Communications and Chongqing Bank as potential investment targets [7]

每经评论员 李玉雯 近日，辽宁金融监管局批复同意交通银行太平洋信用卡中心鞍山分中心终止营业。这一现象并非个例， 据笔者梳理，今年以来已有交行、民生、广发等多家银行的近40家信用卡分中心获监管批准终止营业。 信用卡分中心陆续"退场"，背后是银行对成本与效率的权衡。过去，许多银行的信用卡业务由信用卡分 中心集中直接运营，实行总行垂直管理。这种模式在业务快速发展阶段优势显著，信用卡分中心也因此 成为银行线下扩张的核心阵地。然而，随着行业发展进入新阶段，该模式的局限性逐渐显现：独立于属 地分行的管理模式造成业务重叠，导致资源重复投入。 为此，近年来多家银行将"属地经营转型"作为信用卡业务改革的重要任务，即从集中经营转向属地化经 营，把信用卡分中心的业务和人员整合至属地分行。这样做既能有效节省运营成本，又能依托属地分行 的本地化部署提升服务效率。 总体而言，信用卡分中心"退场"后，金融服务不能"退潮"，银行应将之作为战略调整和业务优化的契 机。当规模扩张转向存量深耕，当人海战术升级为数据驱动，金融服务的温度不能因渠道变化而降低， 反而应以更精准的方式触达真正有需求的人。 经过20多年的高速发展，信用卡市场已接近饱和。再 ...

中国人民银行货币政策委员会日前召开的2025年第二季度（总第109次）例会指出，当前，我国经济呈 现向好态势，社会信心持续提振，高质量发展扎实推进，但仍面临国内需求不足、物价持续低位运行、 风险隐患较多等困难和挑战。下阶段，要引导金融机构加大货币信贷投放力度，使社会融资规模、货币 供应量增长同经济增长、价格总水平预期目标相匹配。 "以旧换新政策的持续推进，为金融机构发展相关消费金融业务提供了广阔空间和机遇。"中国银行研究 院研究员范若滢认为。 支持民营和小微企业健康发展 今年上半年，面对复杂局面，银行业金融机构积极布局科技创新等经济增长新动能领域，扎实推动经济 高质量发展。下半年，结合本次例会部署，扩大内需、稳定预期、激发活力，推动经济持续回升向好， 仍是银行业金融机构的重要工作。 近期，中国人民银行等六部门联合印发《关于金融支持提振和扩大消费的指导意见》（以下简称《指导 意见》），旨在完善扩大消费长效机制，更好满足消费领域金融服务需求。 "总体上看，既是应对当前消费复苏压力的政策'工具箱'，也是推动消费金融生态长期优化的'路线 图'。"上海金融与发展实验室首席专家、主任曾刚在接受《金融时报》记者采访时表示， ...

登录新浪财经APP 搜索【信披】查看更多考评等级 重要提示 1.易方达安如30天持有期债券型证券投资基金（以下简称"本基金"）根据中国证券监督管理委员会《关 于准予易方达安如30天持有期债券型证券投资基金注册的批复》（证监许可[2025]972号）进行募集。 2.本基金为契约型开放式、债券型证券投资基金。本基金对于每份基金份额设定30天最短持有期限，投 资者认购基金份额后，自基金合同生效日至赎回确认日不得少于30天。 3.本基金的管理人和登记机构均为易方达基金管理有限公司（以下简称"本公司"），托管人为交通银行 股份有限公司。 4.本基金将自2025年7月14日至2025年7月25日通过基金管理人指定的销售机构公开发售。基金管理人根 据认购的情况可适当调整募集时间，并及时公告，但最长不超过法定募集期限。 5.基金份额类别 本基金将基金份额分为A类基金份额、C类基金份额。在投资人认购/申购基金时收取认购/申购费用，并 不再从本类别基金资产中计提销售服务费的基金份额，为A类基金份额；从本类基金资产中计提销售服 务费，并不收取认购/申购费用的基金份额，为C类基金份额。 本基金各类基金份额分别设置代码，分别计算并公布 ...

针对这一痛点，交通银行山东省分行协同巴西子行设计构建"巴西雷亚尔/人民币直兑+CIPS清算"机制。 依托交银集团全球清算网络优势，整合人民币跨境支付系统（CIPS）与巴西本地清算网络，实现雷亚 尔与人民币的直接兑换及跨境清算。经业务验证，新模式有效规避二次汇兑损失，企业资金周转效率显 著提升，换汇成本有效下降。目前，首笔跨境人民币出口货款已顺利清算，标志着人民币在南美市场的 深度应用。 这一实践是交通银行山东省分行深耕跨境人民币金融服务的典型案例。依托覆盖全球的境外机构网络与 丰富的跨境金融实践经验，交通银行将持续扩大人民币在巴西当地的应用，逐步构建起"本币结算+贸 易融资+汇率避险"三位一体的综合服务体系。 笔者近日从交通银行山东省分行获悉，该行通过境内外联动推出跨境人民币综合服务方案，成功帮助某 跨国企业化解中国与巴西经贸往来中的双重汇兑风险。此举为深化中巴经贸合作开拓了跨境结算高速通 道。 -CIS- 作为金砖国家核心成员及拉丁美洲最大经济体，巴西是我国推进新兴市场经贸合作的重要战略伙伴。然 而，某跨国企业在开展中巴贸易时长期面临双重汇兑难题：集团巴西子公司在当地需以巴西雷亚尔进行 资金收付，而资金汇回 ...