上海市锦天城律师事务所 关于交通银行股份有限公司 2025 年第一次临时股东大会的 法律意见书 电话：021-20511000 传真：021-20511999 上海市锦天城律师事务所 关于交通银行股份有限公司 2025 年第一次临时股东大会的 地址：上海市浦东新区银城中路 501 号上海中心大厦 11、12 楼 邮编：200120 上海市锦天城律师事务所 法律意见书 法律意见书 致：交通银行股份有限公司 上海市锦天城律师事务所（以下简称"本所"）接受交通银行股份有限公司 （以下简称"公司"）的委托，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》"）、《上市公司股东大 会规则》等法律、法规以及《交通银行股份有限公司章程》（以下简称"《公司章 程》"）的相关规定，指派律师出席公司 2025 年第一次临时股东大会（以下简称 "本次股东大会"），对本次股东大会相关事项进行见证，并依法出具本法律意见 书。 本法律意见书仅就本次股东大会的召集人资格、召集和召开程序、出席本次 股东大会现场会议人员的资格、表决程序及表决结果发表意见，而不对本次股东 大会所审议的议案内 ...

交通銀行股份有限公司 1 | 姓名 | 目前所任職務 | | --- | --- | | 艾棟 | 非執行董事、戰略委員會（普惠金融發展委員會）委員、審 | | | 計委員會委員 | | 羅小鵬 | 非執行董事、戰略委員會（普惠金融發展委員會）委員、社 | | | 會責任(ESG)與消費者權益保護委員會委員 | | 石磊 | 獨立非執行董事、審計委員會委員、人事薪酬委員會委員 | | 張向東 | 獨立非執行董事、審計委員會委員、風險管理與關聯交易 | | | 控制委員會主任委員 | | 李曉慧 | 獨立非執行董事、審計委員會主任委員、人事薪酬委員會 | | | 委員 | | 馬駿 | 獨立非執行董事、戰略委員會（普惠金融發展委員會）委 | | | 員、風險管理與關聯交易控制委員會委員 | | 王天澤 | 獨立非執行董事、審計委員會委員、風險管理與關聯交易 | | | 控制委員會委員 | | 肖偉 | 獨立非執行董事、人事薪酬委員會主任委員、風險管理與 | | | 關聯交易控制委員會委員 | 中國上海 2025年4月8日 2 （於中華人民共和國註冊成立的股份有限公司） （股份代號：03328） 董事會成員名單及 ...

股票代码：601328 股票简称：交通银行 编号：临 2025-028 1 革发展事业做出了重要贡献。董事会谨此对陈俊奎先生表示衷心感谢！ 特此公告 交通银行股份有限公司 关于董事任职资格获监管机构核准的公告 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。 本公司近日收到《国家金融监督管理总局关于艾栋交通银行董事任职资格的 批复》（金复〔2025〕214 号）,艾栋先生任本公司董事的任职资格已获国家金融 监督管理总局核准生效。 艾栋先生的简历，详见本公司 2024 年 12 月 5 日在上海证券交易所网站 （www.sse.com.cn）发布的《交通银行 2024 年第二次临时股东大会资料》。根据 本公司第十届董事会第十八次会议决议，艾栋先生自国家金融监督管理总局核准 其董事任职资格之日起，担任本公司董事会战略委员会（普惠金融发展委员会） 委员、董事会审计委员会委员。 根据本公司第十届董事会第十八次会议决议，艾栋先生的董事任职资格获核 准后，陈俊奎先生不再担任本公司董事、董事 ...

股票代码：601328 股票简称：交通银行 编号：临2025-027 交通银行股份有限公司 2025 年第一次临时股东大会决议公告 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。 重要内容提示： 本次会议是否有否决议案：无 一、会议召开和出席情况 （一）召开的时间：2025 年 4 月 8 日 （二）召开的地点：上海市银城中路 188 号交银金融大厦 （三）出席会议的普通股股东及其持有股份情况： | 1.出席会议的股东和代理人人数 | 2,709 | | --- | --- | | 其中：A 股股东人数 | 2,699 | | 境外上市外资股股东人数（H 股） | 10 | | 2.出席会议的股东所持有表决权的股份总数（股） | 51,684,431,173 | | 其中：A 股股东持有股份总数 | 22,804,946,593 | | 境外上市外资股股东持有股份总数（H 股） | 28,879,484,580 | | 3.出席会议的股东所持有表决权股份数占本公司有表决权股份 ...

Core Viewpoint - The Bank of Communications focuses on addressing the financing difficulties faced by private enterprises, continuously optimizing financial services to support the high-quality development of the private economy [2] Group 1: Strengthening Credit Supply - The bank adheres to a fair approach, treating all types of ownership equally, and focuses on key areas such as technological innovation, high-end manufacturing, inclusive small and micro enterprises, and green transformation [3] - By the end of 2024, the bank has provided over 1.7 trillion yuan in loan support to 470,000 private enterprises, with nearly 50% of new corporate loans being credit loans [3] - The bank actively participates in supply chain and innovation chain construction for private enterprises, promoting credit extension through a "chain finance" model, with nearly 200 billion yuan in credit support for private enterprises in 2024 [3] Group 2: Innovative Financing Solutions - The bank successfully launched the first batch of technology enterprise merger loan pilot projects, providing a 30 million yuan, 8-year merger loan to an integrated circuit EDA company [4] - The bank has introduced an "active credit granting" service model for small and micro technology-based private enterprises, enhancing credit service efficiency [4][5] - The bank offers integrated financing services covering equity investment, bond financing, and financial leasing to support the full lifecycle of private enterprises [5] Group 3: Digital Empowerment - The bank is leveraging digital transformation to create a "digital public marketing platform," integrating internal and external data resources to enhance service efficiency [6] - The "Jiaoyin Torch Loan" product was launched to provide up to 30 million yuan in credit loans to high-growth, high-investment, light-asset technology enterprises [6] - Digital technologies are used to optimize service processes, ensuring data security and improving the efficiency of financial services for private enterprises [7] Group 4: Expanding Cooperation Channels - The bank collaborates with various organizations, including the All-China Federation of Industry and Commerce and local government financing guarantee platforms, to create a favorable service environment for private enterprises [8] - The bank has launched several initiatives, such as the "Science and Technology Innovation Loan" and "Smart Intellectual Property Loan," to provide significant credit support to technology-based enterprises [9] - A diversified cooperation model is being explored to establish a risk-sharing mechanism with local government financing guarantee platforms, enhancing the quality of financing services for private enterprises [9]

Core Viewpoint - The article emphasizes the importance of addressing China's aging population through the establishment of a comprehensive pension financial service system by the Bank of Communications, contributing to a senior-friendly society and the development of a Chinese-style pension system [1][2]. Group 1: Vision and Goals - The Bank of Communications aims to create a "senior-friendly bank" to meet the diverse needs of elderly customers across different age groups, focusing on wealth preservation and quality of life enhancement [2][5]. - The bank's vision includes building a comprehensive pension financial service system that covers various aspects such as savings, investment, insurance, and trust services [2][7]. Group 2: Service Framework - The bank has developed a five-dimensional approach to pension financial services, including product friendliness, channel friendliness, service friendliness, team friendliness, and ecological friendliness [2][3]. - A wide range of pension financial products has been established to meet the needs of elderly customers, including savings, investment, insurance, and trust products [2][6]. Group 3: Brand Commitment - The bank has created the "Jiaoyin Pension" service brand, emphasizing a "Five Stability" value system to ensure the safety and reliability of financial services for elderly customers [4][6]. - The "Five Stability" includes stable service entities, product admission, configuration strategies, asset security, and service quality [4][6]. Group 4: Financial Service Areas - The bank has segmented its pension financial services into five major areas: pension industry finance, pension fund finance, pension wealth finance, pension consumption finance, and financial services for the elderly [7]. - The bank supports the development of the silver economy by providing comprehensive financial solutions for elderly care institutions and related industries [7][8]. Group 5: Innovation and Adaptation - The bank has introduced innovative financial products and services tailored to the needs of the elderly, including personal pension services and enhanced wealth management solutions [8][9]. - Efforts are being made to improve the accessibility of financial services for the elderly, including the establishment of senior-friendly service points and the enhancement of online banking platforms [10].

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之內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不就因本公告全部或任何部分內容而產生或因倚 賴該等內容而引致之任何損失承擔任何責任。 本公告僅供參考之用，並不構成收購、購買或認購本行證券的邀請或要約。 交通銀行股份有限公司 Bank of Communications Co., Ltd. （於中華人民共和國註冊成立的股份有限公司） （股份代號：03328） (1)建議通過特別授權發行A股股票及相關事宜 (2)申請清洗豁免 經更新的本行持股信息 茲提述交通銀行股份有限公司（「本行」）日期為2025年3月31日的通函（「通函」）， 內容有關（其中包括）本行建議發行A股股票。除另行界定外，本公告所用詞彙具 有通函所界定的相應涵義。 如通函所披露，本行的若干財務顧問將於通函日期後盡快取得於最後實際可行日 期（即2025年3月28日）其自身以及控制其或受其控制或與其受共同控制的人士 （就收購守則而言，獲執行人員認可的獲豁免自營買賣商及獲豁免基金經理除外） 所持有的股份詳情，任何重大持股情況將根據收購守則以公告方式披露。 考慮到上述財務顧問及其關 ...

聚焦服务场景释放新动能 近年来，跨境电商已成为我国对外贸易和全球经贸领域的新亮点。数据显示，2024年我国跨境电商进出 口总额达2.63万亿元，同比增长10.8%。 在第七届进博会上，交行发布"普惠外贸新动能服务方案"，构建涵盖跨境电商等普惠外贸全链条金融服 务体系。企业登录交行网银即可办理协议签约、账户申请、店铺管理、订单匹配、跨境结算和数据申报 等业务，资金安全、回款时效、交易费率等重点难点问题迎刃而解。 据悉，截至目前，交行已落地包括跨境电商在内的共计24个外贸新业态项目，2024年业务量同比增长超 40%。一位从事外贸出口的跨境电商从业人员表示："使用交行跨境电商金融服务后，回款效率提升 了，结算成本降低了，企业获得了不少便利。" 新华财经上海4月7日电（记者王淑娟）今年的《政府工作报告》指出，扩大高水平对外开放，积极稳外 贸稳外资。交通银行切实强化稳外贸金融支持，多措并举打造跨境金融特色，为服务实体经济贡献金融 力量。 在持续提升外贸企业融资效率、降低融资成本的同时，交行还积极探索外汇展业改革，助力跨境电商省 下宝贵的结算时间成本。国家外汇局于2023年12月出台《银行外汇展业管理办法（试行）》，推 ...

来源：21世纪经济报道 你有多久没用过ATM扫码存款了？ 日前，招商银行发布公告称， 该行将于4月9日起停止ATM扫码存款服务 ，后续，客户可持银行卡，通过招商银行ATM或前往该行营业网点办理存款业 务。 近年来， 多家银行都在收紧无卡存取款业务 。谈及调整此类业务的原因，多家银行表示，是基于优化金融服务、风险管理以及成本效率等方面的考量。 01 近一年来，超50家银行暂停各类无卡业务 据不完全统计，近一年来已经有超过50家银行机构宣布，停止无卡存款、无卡取款、扫描取款等各类业务。 去年三、四月份 多家国有大行率先作出调整 比如， 工商银行 率先表示，其个人手机银行无卡取现功能已于去年4月17日起暂停服务，客户可通过ATM机手机银行扫码取现功能提取现金，或在ATM机 上插卡提现。 交通银行 随后发布公告称，于2024年5月24日起停止个人手机银行无卡取款功能中的预约取款服务。客户仍可通过交通银行智能机具办理有卡取款、扫码 取款或前往银行营业网点办理取款业务。 去年下半年 多家股份行、头部城商行持续跟进 去年6月4日， 民生银行 发布公告称，将于2024年6月7日起停止个人手机银行"ATM无卡取现"功能，现金机 ...

Core Viewpoint - The six major state-owned banks in China are navigating challenges such as narrowing net interest margins while maintaining stable growth and supporting the real economy through strategic financial services [1][2][3]. Group 1: Financial Performance - As of the end of 2024, the total asset scale of the six major banks is approaching 200 trillion yuan, with Industrial and Commercial Bank of China (ICBC) leading at 48.82 trillion yuan [2]. - The non-performing loan (NPL) ratios for the six banks are low, with ICBC, Agricultural Bank of China, and China Bank all at 1.34%, while Postal Savings Bank has the lowest at 0.90% [2]. - The total net profit of the six banks exceeded 1.4 trillion yuan in the previous year, reflecting a year-on-year growth of 1.8% [3]. Group 2: Credit Strategy and Focus Areas - The banks are directing financial resources towards technology, green initiatives, and inclusive finance, with significant loan growth in strategic emerging industries [5]. - Agricultural Bank of China reported a loan balance for private enterprises of 6.53 trillion yuan, with a year-on-year increase exceeding 1 trillion yuan [5]. - The banks are also focusing on rural finance, with Agricultural Bank of China’s rural loans exceeding 9.85 trillion yuan, accounting for over 40% of its domestic loan portfolio [6]. Group 3: Future Development Plans - The banks have outlined their credit growth strategies for 2025, with a focus on increasing total loan amounts while optimizing the structure and maintaining a steady pace [7]. - Postal Savings Bank plans to enhance innovation in serving high-tech enterprises and small businesses, while also increasing support for rural finance [8]. - ICBC aims to expand its global operations by providing services in multiple currencies to support cross-border e-commerce [8].