北京市金杜律师事务所 关于交通银行股份有限公司 向特定对象发行Ａ股股票 发行过程和认购对象合规性的 法律意见书 2025 年 6 月 北京市金杜律师事务所 关于交通银行股份有限公司 向特定对象发行 A 股股票发行过程和认购对象合规性的 法律意见书 致：交通银行股份有限公司 北京市金杜律师事务所（以下简称"金杜"或"本所"）接受交通银行股份有限公司 （以下简称"发行人"、"交通银行"或"公司"）委托，作为发行人本次向特定对象发行 A 股股票（以下简称"本次发行"）的专项法律顾问，根据《证券法》《公司法》《发行注 册管理办法》《证券法律业务管理办法》《证券法律业务执业规则》《编报规则第 12 号》 等中华人民共和国境内（以下简称"中国境内"，为本法律意见书之目的，不包括中国香港 特别行政区、中国澳门特别行政区和中国台湾省）现行有效的法律法规和中国证监会和上交 所的有关规定，按照律师行业公认的业务标准、道德规范和勤勉尽责精神，就发行人本次发 行的发行过程及认购对象的合规性出具本法律意见书。 除本法律意见书另有说明外，本所在《北京市金杜律师事务所关于交通银行股份有限公 司向特定对象发行Ａ股股票之法律意见书》《北京市金 ...

证券简称：交通银行 证券代码：601328 优先股简称：交行优 1 优先股代码：360021 联席主承销商关于 交通银行股份有限公司 向特定对象发行 A 股股票 发行过程和认购对象合规性的报告 联席保荐人（联席主承销商） 联席主承销商 二零二五年六月 上海证券交易所： 经中国证券监督管理委员会（以下简称"中国证监会"）《关于同意交通银行 股份有限公司向特定对象发行股票注册的批复》（证监许可〔2025〕1081号）批 复，同意交通银行股份有限公司（以下简称"交通银行"、"发行人"或"公司"）向 特定对象发行股票的注册申请。 国泰海通证券股份有限公司（以下简称"国泰海通"）与中信建投证券股份有 限公司（以下简称"中信建投"，与国泰海通合称"联席保荐人（联席主承销商）"） 作为发行人本次向特定对象发行股票的联席保荐人（联席主承销商），中信证券 股份有限公司、广发证券股份有限公司、申万宏源证券承销保荐有限责任公司、 国信证券股份有限公司（以下合称"联席主承销商"）作为发行人本次向特定对象 发行股票的联席主承销商，根据《中华人民共和国公司法》（以下简称《公司法》 " "） 《中华人民共和国证券法》（以下简称"《证券法》 ...

股票代码：601328 股票简称：交通银行 编号：临 2025-045 交通银行股份有限公司 关于签订募集资金专户存储监管协议的公告 交通银行股份有限公司（以下简称"交通银行"或"本公司"）董事会及全体董事保证 本公告内容不存在任何虚假记载、误导性陈述或者重大遗漏，并对其内容的真实性、准确性 和完整性承担法律责任。 一、募集资金基本情况 经中国证券监督管理委员会《关于同意交通银行股份有限公司向特定对象发 行股票注册的批复》（证监许可〔2025〕1081号）批准，本公司向特定对象发行A 股股票14,101,057,578股（以下简称"本次发行"）。截至2025年6月13日，本公 司募集资金专户已收到本次发行募集资金总额人民币120,000,000,000元(尚未 扣除发行费用59,445,117.77元)，在扣除发行费用后，募集资金净额为人民币 119,940,554,882.23元。 毕马威华振会计师事务所（特殊普通合伙）对前述募集资金到位情况进行了 验证，并出具了毕马威华振验字第2500411号《验资报告》。 二、《募集资金专户存储监管协议》的签订情况和募集资金专户的开立情况 为规范募集资金管理和使用，保护 ...

Core Viewpoint - The article discusses the increasing popularity of family trusts among wealthy individuals in China, highlighting the shift in private banking services from asset accumulation to providing unique non-financial services and emotional value to retain high-net-worth clients [3][8][10]. Group 1: Private Banking Landscape - Private banking clients in China typically have investable assets exceeding 6 million yuan, with some banks setting higher thresholds, such as 10 million yuan at China Merchants Bank [3][5]. - The number of high-net-worth individuals in China with investable assets over 10 million yuan reached 3.16 million by the end of 2022, with an average investable asset of approximately 31.83 million yuan [5]. - The private banking sector has transitioned from "land grabbing" to "stock competition," focusing on existing clients as the market matures [3][20]. Group 2: Non-Financial Services - Non-financial services have become a core competitive advantage for private banks, with offerings including private jet bookings, Antarctic travel, and exclusive medical consultations [3][6][7]. - High-net-worth clients are increasingly attracted to unique experiences, such as customized concerts and exclusive travel opportunities, which enhance emotional value and client loyalty [4][6][7]. - Banks are investing heavily in providing high-end, scarce services to differentiate themselves in a competitive market [6][7]. Group 3: Family Trusts and Wealth Management - Family trusts and family offices are becoming focal points for private banks, especially for ultra-high-net-worth clients with assets exceeding 20 million yuan [10][11]. - Over 70% of high-net-worth individuals are preparing for wealth transfer, driven by concerns over asset protection and family dynamics [10][11]. - The family trust market in China is growing, with a reported balance of 643.58 billion yuan by the end of 2024 [11]. Group 4: Investment Trends - Wealthy clients are increasingly allocating assets to insurance products and precious metals like gold, especially in response to market volatility [15][19]. - The demand for exclusive investment products from top international asset management firms is rising among private banking clients, with minimum investment thresholds often set at 2 million yuan [14][19]. - Private banks are tailoring investment solutions to meet the specific needs of high-net-worth clients, often collaborating with various financial institutions [14][15]. Group 5: Client Retention and Competition - The private banking sector is experiencing a slowdown in client growth, leading to a focus on retaining existing clients and preventing asset outflows [20]. - The contribution of private banking clients to overall bank assets is significant, with a small percentage of clients holding a large portion of wealth [16][19]. - Banks are recognizing the comprehensive value of private banking clients, who often bring additional business opportunities through their enterprises [19][20].

Group 1 - The core viewpoint of the article highlights the ongoing advancements in China-Africa economic and trade cooperation, with a record trade volume of $295.6 billion in 2024, marking a 4.8% year-on-year increase [2] - China has maintained its position as Africa's largest trading partner for 16 consecutive years, with Hunan province emerging as a key player in trade with Africa, surpassing 50 billion RMB in trade volume over the past three years [2] - The article emphasizes the complexity of currencies in Africa, noting the challenges posed by multiple currencies and exchange rate fluctuations, which can impact business operations and profitability [3] Group 2 - The article discusses the challenges of cross-border payments in Africa, including low circulation rates of many small currencies, high transaction costs due to multiple intermediaries, and frequent exchange rate volatility [3] - Wanlihui, a financial technology company, has introduced a cross-border payment solution aimed at small and medium-sized enterprises, allowing for direct payments in local currencies to be received in RMB, significantly improving fund turnover efficiency [4] - Yibao Payment, another fintech company, aims to create an efficient cross-border transaction network by optimizing the entire payment process, including account opening and fund transfer, to enhance transaction feasibility and security [5][6] Group 3 - Major banks such as China Construction Bank, Bank of China, and Bank of Communications play a crucial role in facilitating China-Africa trade, with China Construction Bank reporting over 20,000 cross-border settlement transactions and $3 billion in international settlement amounts in the past five years [9] - Bank of China has achieved significant milestones in cross-border RMB settlements, including a record transaction of 1.4 billion RMB for a Hong Kong stock repurchase project [10] - Bank of Communications has tailored cross-border financial solutions for companies like SANY Group, with a focus on infrastructure cooperation and trade financing, reporting a 115% year-on-year increase in guarantee business [10]

Core Viewpoint - Several banks in China, including Ningde Rural Commercial Bank, are implementing customer identity verification processes to enhance security and comply with regulatory requirements, which may restrict services for customers with incomplete or inaccurate information [1][3][7]. Group 1: Identity Verification Initiatives - Ningde Rural Commercial Bank announced a verification process for personal customer identity information, including name, gender, nationality, occupation, address, contact number, and identification document details [3]. - Other banks, such as the Bank of China Shandong branch and various rural commercial banks, have also issued similar announcements regarding customer identity verification [2][4]. - The verification process is in response to regulatory requirements, including the Anti-Money Laundering Law of the People's Republic of China [3][7]. Group 2: Service Restrictions and Account Management - Customers with incomplete or inaccurate identity information will face restrictions on financial services, with a planned suspension of non-counter services for those lacking complete information starting June 2025 [3][4]. - Some banks are also addressing the issue of "sleeping accounts," which are accounts that have not had any transactions for an extended period, leading to potential account closures [4][11]. - Continuous monthly cleaning of accounts that meet specific criteria, such as inactivity for three years and low balances, will be implemented [5][11]. Group 3: Broader Industry Trends - Over thirty banks have initiated similar identity verification and account cleaning measures since June of the previous year, indicating a broader industry trend towards enhancing customer information accuracy [11][12]. - The banking sector is experiencing a shift from rapid expansion to a focus on quality, as evidenced by a slowdown in the growth rate of bank card issuance [10][12]. - The total number of bank cards issued in China reached 9.913 billion by the end of 2024, with a growth rate of only 1.29%, significantly lower than previous years [10].

Group 1 - The company has signed a sales agreement with Bank of China to sell the Invesco Great Wall Strategy Selected Flexible Allocation Mixed Securities Investment Fund Class C shares starting from June 13, 2025 [1][2] - The announcement includes details about the fund's business opening status, including whether it supports regular investment, conversion, and fee discounts for purchases through the sales institution [1][2][3] Group 2 - The sales institution, Bank of China, is located at 1 Fuxingmennei Street, Xicheng District, Beijing, and offers customer service through the national hotline 95566 [2] - The company emphasizes that the subscription and redemption services are only applicable during normal subscription periods and specific open days, with further details available in the fund's legal documents [3][9] Group 3 - The company has also signed a sales agreement with Bank of Communications to sell the Invesco Great Wall Jingfeng Money Market Fund Class E shares starting from June 13, 2025 [7][8] - The sales institution, Bank of Communications, is located at 188 Yincheng Middle Road, Shanghai, and provides customer service through the hotline 95559 [8] Group 4 - The company has entered into a sales agreement with China International Capital Corporation Wealth Management to sell the Invesco Great Wall Steady Gain Bond Fund Class F shares starting from June 13, 2025 [13][14] - The sales institution, China International Capital Corporation Wealth Management, is located at 2666 Keyuan South Road, Nanshan District, Shenzhen, and offers customer service through the hotline 95532 [15]

第四届中非经贸博览会于6月12日至15日在长沙举办，共有4700余家中非企业参展。交通银行充分发挥 业务综合化、服务全球化优势，为参展企业及观展客商提供综合跨境金融服务方案，助力大会圆满举 办。 "金融+文化"交相融合沉浸式智慧展馆增进中非交流 中非合作之路绵延万里，金融桥梁连接湘江与尼罗河。在长沙国际会展中心W1馆，交通银行展馆以"交 流融通共赢未来"为主题，寓意为中非合作打造全链路金融引擎，推动中非企业跨境贸易合作，共创美 好未来。 交行展馆 踏入馆内，能感受到了浓郁的湖南风情与火辣的非洲气息。映入眼帘的展示屏播放着湖南及非洲标志性 景点。湖南苗族舞、非洲彩绘、非洲鼓舞等特色表演在这里轮番上演。"目前，交行'心动的旅城'文旅 大戏湖南站活动正在火热开展，为了让境外友人感受湖南的热情与活力，我们在展馆里特别设计了'心 动的旅城'形象展示墙及系列互动活动。"交行工作人员介绍，展馆里还打造了"非'尝'有味——一折喝非 洲咖啡"体验区，让国内的展商与观众在体验数字人民币等便捷支付方式的同时，品尝到正宗的非洲风 味。 本届博览会期间，交行将发布《中非经贸深度合作金融服务方案》，承办中非基础设施合作、中非电力 与新能 ...

Core Viewpoint - The article emphasizes the critical role of financial support in nurturing technology-driven small and micro enterprises, which are essential for economic development and innovation. It highlights the challenges these enterprises face in securing financing due to their asset-light and high-growth nature, and discusses how financial institutions, particularly Bank of Communications, are adapting their services to better meet these needs [1][2]. Group 1: Challenges Faced by Technology-driven Small Enterprises - Technology-driven small and micro enterprises encounter significant financing bottlenecks due to their reliance on intangible assets and insufficient credit history, making traditional collateral-based lending models inadequate [1][2]. - The financial regulatory authorities have reinforced the importance of supporting small enterprises, mandating financial institutions to ensure quantity, quality, stability, and structure in their services [1]. Group 2: Bank of Communications' Approach - Bank of Communications is actively exploring new pathways for integrating technology finance with inclusive finance, particularly focusing on providing smoother financing options for technology-driven small enterprises [1][2]. - The bank adopts a full lifecycle service approach, offering tailored financial support from the startup phase through growth and maturity, particularly in key innovation hubs like Beijing, Shanghai, and the Guangdong-Hong Kong-Macao Greater Bay Area [2][3]. Group 3: Support During Different Growth Stages - **Startup Phase**: In Beijing, a newly established technology-driven small enterprise received a 10 million yuan unsecured loan through the "Technology Talent Loan" program, which was based on its R&D investment and technical qualifications [3]. - **Growth Phase**: In Shanghai, a rapidly growing enterprise in the AI sector was provided with a 20 million yuan credit loan, enabling it to upgrade its production line and enhance R&D efforts, resulting in a 25% increase in market share [5][6]. - **Maturity Phase**: A materials technology company in Guangzhou received a 30 million yuan credit approval within one day through the "Technology Fast Loan" service, which facilitated its expansion into international markets and increased production capacity by 40% [7][8]. Group 4: Innovations in Service Delivery - The bank has shifted from a passive service model to an active one, where it proactively seeks out quality clients and offers pre-approved credit limits, significantly alleviating the financing challenges faced by small enterprises [9][10]. - Through a collaborative initiative with the Ministry of Industry and Information Technology, the bank aims to enhance financial services for technology innovation, focusing on high-tech industrial zones and fostering a sustainable "technology-industry-finance" ecosystem [10][11]. Group 5: Future Outlook - The bank plans to continue optimizing digital service channels to reduce financing costs for small enterprises, ensuring that financial resources flow more efficiently and rapidly to these businesses [12][13]. - There is an ongoing effort to deepen collaboration with government and high-tech zones to explore innovative service mechanisms that extend financial support throughout the entire industrial chain [13].

股票代码：601328 股票简称：交通银行 编号：临2025-043 交通银行股份有限公司（以下简称"交通银行"或"本公司"）董事会及全体董事保证 本公告内容不存在任何虚假记载、误导性陈述或者重大遗漏，并对其内容的真实性、准确性 和完整性承担法律责任。 本公司第十届董事会任期将于2025年6月27日届满。为贯彻落实《公司法》 《上市公司章程指引》等法律法规及最新监管规定，本公司正在推进公司治理架 构改革工作。因新一届董事会候选人的提名工作尚未完成，预计董事会将延期换 届，董事会各专门委员会的任期亦相应顺延。在董事会换届选举工作完成前，本 公司第十届董事会全体董事将根据法律法规和《交通银行股份有限公司章程》的 相关规定继续履行相应职责。 董事会延期换届不会影响本公司的正常运营。本公司将尽快推进董事会换届 工作，及时履行相应信息披露义务。 特此公告 交通银行股份有限公司董事会 2025 年 6 月 11 日 交通银行股份有限公司 关于董事会延期换届的公告 ...