Core Viewpoint - Major Chinese banks including Industrial and Commercial Bank of China, Agricultural Bank of China, Postal Savings Bank of China, Bank of Communications, and China Construction Bank will start paying interest on digital RMB wallet balances at the same rate as current deposit rates from January 1, 2026, marking a significant transition in the digital currency landscape in China [1][4][5] Group 1: Bank Announcements - Industrial and Commercial Bank of China, Agricultural Bank of China, and Postal Savings Bank of China will apply interest to digital RMB wallet balances according to the current deposit rate, with interest calculation rules consistent with those for current deposits [4] - Bank of Communications will also apply the current deposit rate to digital RMB wallet balances, including various types of personal and corporate wallets, while balances in type four wallets will not earn interest [4] - China Construction Bank will revise its customer service agreement to reflect that digital RMB wallet balances will earn interest based on the current deposit rate starting January 1, 2026 [4] Group 2: Digital RMB Framework - The People's Bank of China has introduced a plan to enhance the management and service system for digital RMB, which will officially implement a new measurement framework and operational mechanism on January 1, 2026 [5] - This transition signifies a shift from the "digital cash era" to the "digital deposit currency era" after a decade of research and pilot programs [5]

年终岁末，银行业再次迎来巨额罚单。 12月20日，交通银行因违反多项金融监管规定，被中国人民银行处以合计6783.43万元的罚款，并没收 违法所得23.98万元。企业预警通显示，该罚单创下该行自2010年以来单笔处罚金额的最高纪录。 经查，交通银行主要存在以下12项违规行为：违反账户与清算管理规定；未落实特约商户实名制；违反 反假货币业务管理要求；占压财政存款或资金；违反国库科目设置和使用规定；违反信用信息采集、提 供、查询等相关规定；未按规定履行客户身份识别义务；未按规定保存客户身份资料和交易记录；未按 规定报送大额或可疑交易报告；与身份不明客户交易或开立匿名、假名账户等。 与此同时，该行12名相关责任人员被问责，涉及个人金融、普惠金融、风险管理、授信管理、营运渠 道、法律合规、国际业务、金融机构、网络金融、机构业务及信用卡中心等多个部门。其中，罚款金额 最高达17万元，多人被处以警告并罚款。 罚单不断、屡查屡犯：如何重塑市场信任？ 巨额罚单不仅反映银行的合规漏洞，更深层地影响其品牌声誉与市场公信力。 若将时间轴拉长，交通银行近年频现高额处罚，反映出其在持续合规经营与内控机制建设上仍面临严峻 挑战： 企业预 ...

| 序号 | 名称 | 港股代码 | 最新价 | 涨跌额 | 涨跌幅 | ADR代码 | ADR换算价(HKD) | 较港股升跌 较 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 1 | 腾讯控股 | O 00700 | 600.000 | +3.500 | 0.59% | TCEHY | 599.528 | -0.472 | | 2 | 阿里巴巴-W | 09988 | 144.500 | +1.200 | 0.84% | BABA | 143.326 | -1.174 | | 3 | 汇丰控股 | 00005 | 123.000 | +1.100 | 0.90% | HSBC | 123.376 | +0.376 | | 4 | 建设银行 | 00939 | 7.720 | +0.100 | 1.31% | CICHY | 7.695 | -0.025 | | 5 | 小米集团-W | 01810 | 39.360 | +0.780 | 2.02% | XIACY | 39.294 | -0.066 | | 6 | 友邦保险 | 0 ...

"我行个人抵押经营贷利率最低2.3%，授信额度最高能到3000万元，最终审批结果需结合房产评估值、 企业经营状况与借款人资质等条件综合确定。"12月30日，民生银行上海地区一位个贷经理向中国证券 报记者介绍。 近日，记者调研多家银行发现，个人经营贷利率已普遍步入"2字头"，部分银行利率已降至2.3%左右。 岁末年初之际，薄利多销、以价换量成为不少银行揽客的核心策略。 业内人士认为，银行低息经营贷利润微薄，有时甚至要做亏本买卖，但对于部分银行来说，该业务可带 动结算、代发工资、对公理财、私行等多个业务条线发展，综合收益仍是可观的。不过，专家提醒，行 业需警惕陷入内卷式竞争，防止盈利能力、内源性资本补充能力下降。 ● 本报记者 石诗语 经营贷利率处低位区间 当前2.5%以下的个人经营贷利率并不少见，不同地区、不同类型产品的利率存在小幅差异。 "我行个人抵押经营贷利率最低2.35%，贷款期限3年，授信额度有效期长达10年。3年后可申请无还本 续贷，续贷时利率可能随LPR调整，但授信额度保持不变。"广发银行深圳地区贷款经理小陈向记者详 细介绍。 工商银行北京市西城区一家支行的客户经理小贾表示，目前该行个人经营贷抵押类 ...

■上证深一度 ◎记者 张骄 运行近30年的银行监事会制度，正走向终章。 近日，浙商银行公告称，郭定方辞去监事长、职工监事等职务。同期，杭州银行公告称，王立雄辞去监 事长等职务。辞任后，他将继续担任杭州银行党委委员，其副行长任职资格尚待监管部门核准。 根据中国证监会安排，上市公司需在2026年前取消监事会。兴业银行、兰州银行、浦发银行等十余家银 行已于12月密集公告不再设立监事会。 这一系列变动源于顶层法制重塑。随着新公司法及金融监管总局、证监会配套制度落地，银行业的公司 治理效能改革，正从纸面走向现实。以往与董事长、行长并称"三长"的监事长逐步"消失"，监督职能由 董事会下设的审计委员会接棒。 法规政策为改革铺路 2024年7月起正式实施的新公司法，为金融机构治理结构提供了全新"选项"。 新公司法明确，有限责任公司可以在董事会中设置由董事组成的审计委员会，行使本法规定的监事会的 职权，不设监事会或者监事。这从根本上改变了以往监事会作为公司必设机构的法定要求。 国浩律师（上海）事务所合伙人黄江东告诉上海证券报记者，新公司法作为改革的纲领性文件，确立了 全新的公司治理框架。它推动了内部监督机制的优化，允许股份有限 ...

Core Insights - The Bank of Communications Henan Branch has increased financial support for foreign-related enterprises in response to the call for financial services to the real economy, contributing to the high-quality development of foreign trade [1][2] Group 1: Financial Support Initiatives - The bank has established an account system and launched a cross-border payment system to assist Henan enterprises in their international expansion [1] - Customized comprehensive financial solutions have been provided to a large supply chain enterprise and a high-end technology manufacturing enterprise, facilitating their overseas operations [1] - The bank has helped these enterprises quickly open EF accounts for integrated cross-border currency operations, enhancing flexibility in foreign exchange and financing [1] Group 2: Offshore and Payment Solutions - The bank leverages its offshore business advantages to set up offshore accounts for enterprises, ensuring efficient connection and physical separation of domestic and foreign funds [1] - The implementation of the Renminbi Cross-Border Payment System (CIPS) has been supported, which reduces remittance time and settlement costs while enhancing payment security and compliance [1] Group 3: Future Plans - The Bank of Communications Henan Branch plans to fully utilize its international and comprehensive operational advantages, promoting cross-border fund concentration and other convenient measures to help enterprises optimize their global fund layout [2] - The bank aims to provide solid financial support for Henan Province's deep integration into the new development pattern of domestic and international dual circulation [2]

Core Insights - The fourth Qingdao Digital Financial Innovation Competition successfully concluded, focusing on the theme "Leading the Financial Wave with Data, Wisdom Gathering Wealth in Qingdao" and achieving a strategic shift from "single-point breakthroughs" to "systematic tackling" [1][6] Group 1: Competition Overview - The competition featured two main units: "Outstanding Financial Technology Projects" and "Financial Technology Challenge," selecting a range of forward-looking, practical, and replicable industry-level solutions to support high-quality regional digital financial development [1][6] - A total of 28 outstanding projects were recognized, showcasing the hard power and diversified layout of local financial institutions in their digital transformation [7] Group 2: Award-Winning Projects - The first prize projects included Qingdao Rural Commercial Bank's "Technology Financial Empowerment Project based on Big Data Analysis and Privacy Computing," China Merchants Bank Qingdao Branch's "Qing Chain Pass," and Qingdao Bank's "Smart Credit Assistant System Construction Project," representing the highest level in data value release, supply chain financial ecosystem construction, and credit intelligence transformation [7] - Other notable projects included Industrial and Commercial Bank of China Qingdao Branch's "General Plug-and-Play Large Model Empowerment System," Rizhao Bank Qingdao Branch's "New Paradigm for Agricultural Product Pledge Business," and Bank of Communications Qingdao Branch's "Smart Anti-Fraud Risk Control Ecosystem," reflecting a comprehensive digital innovation landscape in Qingdao's financial sector [2][7] Group 3: Technology Companies Participation - Top technology companies such as 360 Digital Security, iFLYTEK, Ant Blockchain, and Hang Seng Electronics participated in the "Financial Technology Challenge," submitting high-scoring solutions that matched the core pain points identified by financial institutions [3][8] - A total of 21 benchmark solutions were selected, including 360 Digital Security's "Host Protection System Thinking," which won the "Network Security Protection and Micro-Isolation Technology" category, and iFLYTEK's AI digital human application that supports over 130 languages and enhances financial services [8][9] Group 4: Collaborative Mechanism - The competition introduced a collaborative mechanism involving three organizing bodies and four financial institutions, addressing the challenges of resource fragmentation and demand diversification in financial innovation [4][10] - Joint lists focused on key aspects of digital financial scene implementation, elevating the goals from individual institutional needs to addressing systemic challenges affecting regional financial development [10] Group 5: Ecosystem Development - The Qingdao Digital Financial Innovation Competition has evolved into a significant platform for deepening financial supply-side structural reform and building a regional financial technology innovation ecosystem [11] - The competition has successfully established a fusion system of "government guidance, enterprise leadership, and market operation," facilitating the transition of innovative results from the laboratory to practical applications [11][12]

EF002 免責聲明 | 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 | 公告全部或任何部份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。 | | --- | --- | | | 股票發行人現金股息（可選擇貨幣）公告 | | 發行人名稱 | 交通銀行股份有限公司 | | 股份代號 | 03328 | | 多櫃檯股份代號及貨幣 | 不適用 | | 相關股份代號及名稱 | 不適用 | | 公告標題 | 建議派發截至2025年6月30日止六個月之中期股息（更新） | | 公告日期 | 2025年12月30日 | | 公告狀態 | 更新公告 | | 更新/撤回理由 | 更新港元派息金額及匯率 | | 股息信息 | | | 股息類型 | 中期（半年期） | | 股息性質 | 普通股息 | | 財政年末 | 2025年12月31日 | | 宣派股息的報告期末 | 2025年6月30日 | | 宣派股息 | 每 10 股 1.563 RMB | | 股東批准日期 | 2025年12月12日 | | 香港過戶登記處相關信息 | | ...

(A joint stock company incorporated in the People's Republic of China with limited liability) （於中華人民共和國註冊成立的股份有限公司） (Stock Codes: 股份代號: 03328) DIVIDEND CURRENCY ELECTION FORM FOR 2025 INTERIM CASH DIVIDEND OF RMB1.563 PER 10 SHARES ("2025 INTERIM DIVIDEND") 2025年中期現金股息每10股人民幣1.563元（「2025年中期股息」） 股息貨幣選擇表格 Registered shareholders will automatically receive their 2025 Interim Dividend in Hong Kong dollars unless they elect to receive them in Renminbi. No action is required if you wish to receive your 2025 Inter ...

EF002 EF002 | 灣仔 | | | | | | --- | --- | --- | --- | --- | | 香港 | | | | | | 代扣所得稅信息 | | | | | | 中期股息所適用之代扣所得稅（包括股東類型及適用的稅率）載列於下表。有關進一步 | 詳情，請見本行日期為2025年12月12日的2025年第四次臨時股東會投票表決結果公告。 | | | | | 有關代預扣所得稅之更多補充 | 股東類型 | 稅率 | （如適用） | | | 非居民企業 | 根據有關監管規定，本行向名列於 | | | | | （非中國內地登記地址） | 10% | H股股東名冊上的非居民企業股東 | | | | 派發股息時，有義務代扣代繳企業 | 所得稅，稅率為10%。非居民企業 | | | | | 股東在獲得股息之後，可以根據稅 | 收協定（安排）等相關規定申請辦 | | | | | 理退稅。任何以非個人股東名義， | 包括以香港中央結算（代理人）有 | | | | | 限公司，其他代理人或受託人，或 | 其他組織及團體名義登記的H股股 | | | | | 份皆被視為非居民企業股東所持的 | 股份，其應得之 ...