该行将坚持市场化、法治化原则，优化办理流程，简化办理手续，对符合上述通知要求的贷款实施贴 息。后续办理流程及相关问题解答，该行将通过交通银行官网、手机银行App、微信公众号等官方渠道 统一发布。 本报讯 （记者熊悦）8月13日，交通银行（601328）官方微信发布公告，该行响应并执行《个人消费贷 款财政贴息政策实施方案》和《服务业经营主体贷款贴息政策实施方案》精神及相关要求，依法合规推 进个人消费贷款与服务业经营主体贷款贴息工作。 ...

Core Viewpoint - The article discusses the implementation of a new personal consumption loan interest subsidy policy by the Ministry of Finance, the People's Bank of China, and the Financial Regulatory Administration, aimed at stimulating consumer spending and reducing credit costs for residents [3]. Summary by Sections Policy Implementation - The personal consumption loan interest subsidy policy will be effective from September 1, 2025, to August 31, 2026, covering loans used for consumption that can be identified by lending institutions [3]. - The subsidy applies to individual consumption loans under 50,000 yuan and for significant purchases such as automobiles, education, and healthcare for loans above this threshold, with a maximum subsidy based on a 50,000 yuan limit [3]. Bank Responses - Major state-owned banks, including Agricultural Bank of China, Bank of China, China Construction Bank, Industrial and Commercial Bank of China, Bank of Communications, and Postal Savings Bank, have announced their commitment to implement the subsidy policy [3][4]. - These banks will not charge any service fees for processing the personal consumption loan subsidies and have warned customers to be cautious of potential scams [4][8]. Communication Channels - Banks will provide detailed procedures and implementation guidelines through their official mobile apps, WeChat accounts, websites, and physical branches [5][11][17].

Core Viewpoint - The announcements from various Chinese banks, including Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, and others, emphasize their commitment to implementing consumer loan interest subsidies as part of the government's initiative to stimulate consumption and reduce credit costs for residents [1][2][5][6][8][10]. Group 1: Implementation of Subsidies - The banks will begin implementing interest subsidies for eligible personal consumer loans starting from September 1, 2025, in accordance with the directives outlined in the official notices [2][5][6][8]. - The subsidy program aims to lower the cost of consumer credit and enhance market vitality, thereby stimulating consumer spending [1][4][10]. Group 2: Communication and Safety Measures - Each bank will provide detailed procedures and guidelines for the subsidy process through their official channels, including websites and mobile applications [1][5][8][10]. - The banks have issued warnings against potential scams, stating that they will not charge any service fees for the subsidy process and will not delegate this task to third parties [2][6][10].

Core Viewpoint - The peak period for cash dividend distribution among listed banks has arrived, with a total of 427.38 billion yuan already distributed for the 2024 fiscal year, indicating a nearly 70% completion rate of the total expected dividends [1][2] Group 1: Dividend Distribution Overview - As of June 27, 2024, 26 banks have implemented their profit distribution plans, with a total cash dividend expected to reach 631.96 billion yuan, an increase of nearly 20 billion yuan compared to the previous year, reflecting a growth rate of 3.03% [1][2] - A significant number of banks have advanced their dividend actions, with nearly half of the A-share listed banks completing their 2024 profit distribution plans in June [2] - The major contributors to the dividend payouts are the six state-owned banks, which collectively will distribute over 420 billion yuan in dividends for 2024 [2] Group 2: Individual Bank Performance - China Merchants Bank is the only joint-stock bank with a total dividend exceeding 50.44 billion yuan, with a payout ratio above 33% [3] - Ningbo Bank has increased its cash dividend for the second consecutive year, proposing a distribution of 9 yuan per 10 shares [3] - As of now, 23 A-share listed banks have implemented their mid-term dividends, totaling 257.71 billion yuan [3] Group 3: Dividend Ratio Trends - 14 banks have a cash dividend ratio exceeding 30% for 2024, with a slight decrease in the number of banks compared to 2023 [4] - 25 A-share listed banks have increased their cash dividend ratios compared to the previous year, with Ningbo Bank's ratio rising by 6.3 percentage points to 21.91% [4] - Industrial Bank and Citic Bank have also reported consistent increases in their cash dividend ratios over the years, with Citic Bank planning a cash dividend of 19.46 billion yuan for 2024 [5]

据央视新闻消息，财政部、中国人民银行、金融监管总局印发《个人消费贷款财政贴息政策实施方 案》，明确2025年9月1日至2026年8月31日期间，居民个人使用贷款经办机构发放的个人消费贷款（不 含信用卡业务）中实际用于消费，且贷款经办机构可通过贷款发放账户等识别借款人相关消费交易信息 的部分，可按规定享受贴息政策。 关于个人消费贷贴息，六大行发布公告，原文如下： 中国工商银行关于个人消费贷款与服务业经营主体贷款贴息工作的公告 尊敬的中国工商银行客户： 为落实党中央、国务院决策部署，进一步支持提振和扩大消费，激发消费潜力，提升市场活力，降低居 民消费信贷成本，我行依据《关于印发<个人消费贷款财政贴息政策实施方案>的通知》（财金 〔2025〕80号）和《关于印发<服务业经营主体贷款贴息政策实施方案>的通知》（财金〔2025〕81 号）精神和相关要求，正在依法依规、积极有序推进财政贴息工作。 我行办理上述贷款贴息不收取任何服务费用，没有委托官方渠道以外的任何机构、人员代为办理，请广 大客户谨防各种形式的诈骗，保障财产和信息安全。具体办理渠道、操作指引等实施细则后续将通过中 国工商银行官网、营业网点、官方微信公众号等渠 ...

财政部、中国人民银行、金融监管总局印发《个人消费贷款财政贴息政策实施方案》，明确2025年9月1 日至2026年8月31日期间，居民个人使用贷款经办机构发放的个人消费贷款(不含信用卡业务)中实际用 于消费，且贷款经办机构可通过贷款发放账户等识别借款人相关消费交易信息的部分，可按规定享受贴 息政策。 关于个人消费贷贴息，六大行发布公告，原文如下： 中国工商银行关于个人消费贷款与服务业经营主体贷款贴息工作的公告 尊敬的中国工商银行客户： 为落实党中央、国务院决策部署，进一步支持提振和扩大消费，激发消费潜力，提升市场活力，降低居 民消费信贷成本，我行依据《关于印发<个人消费贷款财政贴息政策实施方案> 的通知》(财金〔2025〕 80号)和《关于印发 <服务业经营主体贷款贴息政策实施方案> 的通知》(财金〔2025〕81号)精神和相关 要求，正在依法依规、积极有序推进财政贴息工作。 我行办理上述贷款贴息不收取任何服务费用，没有委托官方渠道以外的任何机构、人员代为办理，请广 大客户谨防各种形式的诈骗，保障财产和信息安全。具体办理渠道、操作指引等实施细则后续将通过中 国工商银行官网、营业网点、官方微信公众号等渠道公布，敬 ...

Core Viewpoint - The Ministry of Finance, the People's Bank of China, and the Financial Regulatory Bureau have issued a policy for personal consumption loan interest subsidies, effective from September 1, 2025, to August 31, 2026, aimed at stimulating consumer spending and reducing credit costs for residents [1][9]. Group 1: Policy Details - The interest subsidy applies to personal consumption loans (excluding credit card transactions) that are used for consumption and can be identified by the lending institution [1]. - The subsidy covers single transactions below 50,000 yuan and those above 50,000 yuan in key areas such as home appliances, automobiles, education, and healthcare, with a cap of 50,000 yuan for the subsidy on larger transactions [1]. - The policy may be extended or expanded based on its effectiveness after the initial period [1]. Group 2: Bank Responses - Major state-owned banks, including Agricultural Bank of China, Bank of China, China Construction Bank, Industrial and Commercial Bank of China, Bank of Communications, and Postal Savings Bank, have announced their commitment to implement the subsidy policy without charging any service fees [2][12][15][18]. - Banks have warned customers to be cautious of scams and have stated that they will not delegate the processing of these loans to any third parties [2][12][15][18]. - Implementation details and processes will be communicated through official channels such as mobile banking apps, official websites, and social media [2][12][15][18].

Group 1 - The policy provides interest subsidies for personal consumption loans of 50,000 yuan and above in key areas such as home automotive, elderly care, education, cultural tourism, home decoration, electronic products, and healthcare [1][3]. - The subsidy rate is set at 1% per annum, covering up to 50% of the loan contract interest rate, with the central and provincial finances bearing 90% and 10% of the subsidy costs respectively [4]. - Each borrower can receive a maximum subsidy of 3,000 yuan for total personal consumption loans of up to 300,000 yuan, with a specific cap of 1,000 yuan for loans below 50,000 yuan [4]. Group 2 - The policy aims to stimulate consumer spending in various sectors by providing financial support through interest subsidies [3]. - The implementation of the policy may be extended or expanded based on its effectiveness after the initial period [3]. - The program includes a wide range of financial institutions, including six major state-owned banks and twelve national joint-stock commercial banks, as well as other consumer loan providers [4].

2025年8月13日，交通银行（601328）发布公告称，为深入贯彻落实党中央、国务院决策部署，有效降 低居民信贷成本和服务业经营主体融资成本，充分激发消费潜力、提升市场活力，交通银行积极响应并 严格执行《关于印发<个人消费贷款财政贴息政策实施方案>的通知》（财金〔2025〕80号）和《关于 印发<服务业经营主体贷款贴息政策实施方案>的通知》（财金〔2025〕81号）精神及相关要求，依法 合规推进个人消费贷款与服务业经营主体贷款贴息工作。 交通银行将坚持市场化、法治化原则，优化办理流程，简化办理手续，对符合上述通知要求的贷款实施 贴息。后续办理流程及相关问题解答，交通银行将通过交通银行官网、手机银行App、微信公众号等官 方渠道统一发布，敬请留意。 如需帮助，您可通过手机银行App、贷款经办行、95559咨询。如您还未下载交通银行手机银行App，可 以扫描下载安装，二维码请见下方。 郑重提示：在办理贷款贴息业务过程中，交通银行不收取任何费用。为最大限度保障您的财产和信息安 全，防范不法分子以办理贷款贴息为由实施诈骗活动，切勿轻信交通银行官方渠道以外人员的电话和短 信。 ...

Meeting Basic Information - The South China Ruiying Mixed Initiation Securities Investment Fund will hold a meeting to discuss the proposal to amend the termination clause of the fund contract [1][2] - The meeting will be conducted via communication, with voting starting from August 13, 2025, to September 15, 2025 [1][3] - The voting will be sent to the fund management company at a specified address [1] Meeting Agenda - The main agenda for the meeting is to review the proposal regarding the amendment of the termination clause in the fund contract [2] Voting Process - Fund holders can fill out and submit paper ballots, which can be downloaded from the fund management company's website or the China Securities Regulatory Commission's electronic disclosure website [4][5] - Specific requirements for individual and institutional investors regarding the submission of ballots are outlined [5][10] Authorization - Fund holders can authorize others to vote on their behalf, with specific rules for authorization outlined [8][9] - The authorization process allows for both paper and electronic methods, with detailed instructions provided for each [10][11] Counting Votes - The counting of votes will be supervised by designated personnel and conducted within two working days after the voting deadline [16] - Each fund share represents one vote, and specific conditions for the validity of ballots are established [16][17] Resolution Effectiveness - The proposal requires at least two-thirds of the voting rights held by participating fund holders to pass [18] - The decisions made during the meeting will be reported to the China Securities Regulatory Commission within five days [19] Second Meeting and Authorization - If the meeting does not meet the required quorum, a second meeting may be convened within three to six months [20] - Authorizations made for the first meeting will remain valid unless changed [20] Important Contacts - The meeting is organized by Nanhua Fund Management Co., with contact details provided for inquiries [21]