12月19日，中国人民银行官网披露的行政处罚信息显示，交通银行被处以警告，同时被没收违法所得23.982116万元，并被罚款6783.43万元。此外，13名责 任人一同被处罚。 | 序号 当事人名称 | | 行政处罚 | 违法行为类型 | 行政处罚内容 | 作出行政处罚 | 作出行政处罚 | 公示期限 | | --- | --- | --- | --- | --- | --- | --- | --- | | | | 决定书文号 | | | 决定机关名称 | 決定日期 | | | | | | 1. 违反账户管理规定; | | | | | | | | | 2. 违反清算管理规定; | | | | | | | | | 3. 违反特约商户实名制 | | | | | | | | | 管理规定; | | | | | | | | | 4. 违反反假货币业务管 | | | | | | | | | 理规定; | | | | | | | | | 5. 占压财政存款或者资 | | | | | | | | | 金; | | | | | | | | | 6. 违反国库科目设置和 | | | | | | | | | 使用规定; | | ...

Group 1 - The 23rd China Food Safety Conference will be held from December 24 to 28 in Beijing [2] - On December 24, a total of 5 companies will have their restricted shares unlocked, with a total unlock volume of 109 million shares, amounting to a market value of 3.942 billion yuan [3] - Among the companies, Zhongli Co., Ltd. has the highest unlock volume of 107 million shares and the highest unlock market value of 3.858 billion yuan [3] Group 2 - Thirteen companies disclosed stock repurchase progress on December 24, with one company announcing a new repurchase plan exceeding 10 million yuan [4] - Weimais has the highest repurchase plan amount, proposing to repurchase up to 100 million yuan [4] - Nine companies announced progress on private placements, with Xinqianglian having the highest proposed fundraising amount of up to 1.5 billion yuan [5] Group 3 - Four A-shares will have their equity registration today, with the highest dividend payouts being 6.00 yuan per 10 shares for Bolong Technology and Aohai Technology, and 1.56 yuan for Bank of Communications [6]

Core Insights - The event "沃德财富万里行" organized by Bank of Communications Jiangsu Branch and交银施罗德基金 aims to enhance wealth management services and investor education [1][2] - The "沃德财富" brand has evolved over nearly two decades to provide comprehensive wealth management solutions, including asset allocation, family trusts, cross-border finance, and tax planning [1] - The bank emphasizes the importance of professional wealth management in increasing residents' property income and promoting common prosperity [1] Group 1: Wealth Management Development - The "沃德财富" brand was launched in 2006 and has since become a trusted partner for individual clients, managing over 400 billion yuan in financial assets for more than 11 million customers [1] - The wealth management team consists of experts from various fields, utilizing professional research and quantitative models to create the "沃德优选" product series [1] Group 2: Economic Insights and Asset Allocation - The event featured insights from Zhao Wei, Chief Economist at Shenwan Hongyuan, who discussed the current economic trends and investment opportunities, focusing on policy understanding and market outlook for 2026 [3] - Liu Jiawei from交银施罗德基金 provided practical advice on fund asset allocation and the underlying logic of asset management [3] Group 3: Social Responsibility in Wealth Management - The "瑞善" charitable trust service was launched to enhance the professionalism and efficiency of charitable activities, reflecting the social responsibility aspect of wealth management [4][5] - The "瑞善" program includes upgrades in service models, focus areas, user experience, technology integration, and collaboration with nearly 50 trust and charity organizations to create a transparent charitable network [5]

上海，中远海运集运的调度室内，屏幕上的一条条航线密如蛛网，连接着全球数千个港口。 经济中心是上海"五个中心"建设的基础。经济强不强，关键看产业。 翻开上海产业结构布局，最引人瞩目的是"2+3+6+6"现代化产业体系，即推动传统产业数智化和绿色低 碳"两转型"，加快发展集成电路、生物医药、人工智能三大先导产业，打造六大新兴支柱产业集群，布 局培育六大未来产业。这些重点产业，是上海现代化产业体系的"脊梁"，也是金融服务必须拿下的高 地。 交通银行上海市分行将金融"活水"注入关键产业，托举"大国重器"，攻坚先导产业，赋能绿色发展，为 上海经济中心建设筑牢根基。 在上海的产业版图中，航空航天与海洋装备是两颗璀璨明珠。但这类高端装备制造都具有产业链长、技 术壁垒高、资金需求巨大的特点。金融如何助力高端装备制造？交行的答案是：深耕产业链，做"全生 命周期"的伴随者。 国产大飞机C919腾飞，离不开坚实的供应链支撑。为了提升国产大飞机产业链的韧性，交通银行上海 市分行作为中国商飞供应链平台的独家合作银行，以数字化创新精准破解航空产业链融资结构性难题， 今年6月成功落地中国商飞"脱核"供应链平台首单业务，确保"大国重器"的供 ...

前十大AH股溢价率排行 | 股票名称 | H股(港元) | A股 | 溢价率 | 偏离值↓ | | --- | --- | --- | --- | --- | | 南华期货股份 | 9.130 | 18.86 | 147.43% | 147.43% | | (02691) | | | | | | 浙江世宝(01057) | 4.730 | 18.9 | 378.65% | 106.42% | | 钧达股份(02865) | 16.240 | 45.61 | 236.39% | 51.86% | | 广和通(00638) | 15.320 | 26.9 | 110.31% | 15.99% | | 中船防务(00317) | 13.100 | 27.32 | 149.77% | 11.88% | | 晨鸣纸业(01812) | 0.730 | 2.15 | 253.42% | 11.61% | | | 6.420 | 7.44 | 38.79% | 11.55% | | 交通银行(03328) | | | | | | --- | --- | --- | --- | --- | | 三花智控(02050) | 3 ...

原标题：中国银行、建设银行、工商银行、农业银行、交通银行、邮储银行，集体调整！ 每经编辑|杜宇 近期，临近年末，市民们的投资储蓄需求增加，但是部分市民发现，市场上的中长期存款产品有所减少。这是怎么回事？ 图片来源：视觉中国-VCG211390665395 最近，家住北京朝阳的万女士拿到年终奖，计划配置5年期大额存单，但是查询多家银行也没有选到合适产品。 据央视财经，记者查询工、农、中、建、交、邮储六大国有银行的App发现，五年期大额存单已不显示，三年期相关产品的利率普遍降到1.5%至1.75%。 此外，部分中小银行也开始密集调整存款业务。梅州客商银行近期公告已下架五年期定期存款产品，亿联银行等机构App也已不显示五年期大额存单。 据金融时报，回溯来看，5年期大额存单的退出并非突然之举。以中国银行为例，今年5月20日，中国银行曾在官网公开发布了《关于发售2025年第一期个人 大额存单的公告》，包括1个月、3个月、6个月、1年、2年、3年、5年共计七个期限。其中，3年期、5年期大额存单产品利率分别为1.55%、1.6%，但明确 标注"仅面向特定客户发售"。而如今记者查询发现，目前中国银行在售的产品列表中，已没有5 ...

Core Viewpoint - The recent decrease in medium to long-term deposit products in the market is attributed to banks' responses to the ongoing decline in net interest margins, leading to a reduction in the availability of five-year large certificates of deposit (CDs) and lower interest rates on three-year products [3][5][6]. Group 1: Market Trends - There is a noticeable reduction in the availability of five-year large CDs among major banks, with interest rates for three-year products dropping to between 1.5% and 1.75% [3]. - Smaller banks are also adjusting their deposit offerings, with some, like Meizhou Commercial Bank, announcing the removal of five-year fixed deposit products [5]. - The trend of withdrawing long-term deposit products is not limited to national banks but is also seen in local and private banks [5]. Group 2: Banking Sector Implications - The withdrawal of long-term deposit products is a necessary response to the challenges posed by declining bank net interest margins, as banks face significant risks of interest margin losses if they do not eliminate high-interest long-term products [5]. - Analysts suggest that this shift will enhance the certainty of banks' profit expectations, particularly benefiting large banks with low-cost liabilities and high dividend yields, making them more attractive to long-term investors [6]. - The reduction in deposit rates may lead to a "deposit migration" effect, where funds move from the banking system to capital markets, potentially increasing liquidity in stocks, bonds, and funds, which could positively impact direct financing markets [6].

Core Viewpoint - The People's Bank of China has imposed significant penalties on China Communications Bank for various regulatory violations, highlighting the importance of compliance in the banking sector [1][3]. Regulatory Violations - China Communications Bank was found to have committed multiple violations, including: 1. Violating account management regulations 2. Violating clearing management regulations 3. Violating special merchant real-name system management regulations 4. Violating counterfeit currency business management regulations 5. Misappropriating fiscal deposits or funds 6. Violating treasury account setup and usage regulations 7. Violating credit information collection, provision, inquiry, and related management regulations 8. Failing to fulfill customer identity verification obligations 9. Failing to retain customer identity information and transaction records as required 10. Failing to report large transactions or suspicious transactions as required 11. Conducting transactions with unidentified customers or opening anonymous or pseudonymous accounts for customers [1][4]. Penalties Imposed - The total penalties imposed on China Communications Bank include: - Confiscation of illegal gains amounting to 239,821.16 yuan - A fine of 67,834,300 yuan [1][3]. - Individual employees of the bank also faced penalties, with fines ranging from 4,000 yuan to 100,000 yuan for various infractions [2][5]. Bank's Response - China Communications Bank acknowledged the penalties and stated that the issues were identified during a comprehensive enforcement inspection conducted by the People's Bank of China from November 2022 to April 2023. The bank has completed rectification work and is committed to enhancing internal control and compliance management [3][6].

Group 1 - The company Zhejiang Huazheng New Materials Co., Ltd. has provided guarantees for its wholly-owned subsidiaries Zhuhai Huazheng New Materials Co., Ltd. and Zhejiang Huaju Composite Materials Co., Ltd. to support their operational development and funding needs [2][9] - The company signed a guarantee contract with Zhuhai Branch of Bank of Communications for a maximum credit amount of 150 million RMB for Zhuhai Huazheng, with a guarantee period extending three years after the main debt's maturity [2][10] - A maximum guarantee amount of 25 million RMB was also provided for Zhejiang Huaju through a contract with Hangzhou Zhong'an Branch of Industrial and Commercial Bank of China, with a similar three-year guarantee period [2][11] Group 2 - The company's board of directors approved the provision of guarantees for subsidiaries at meetings held on March 17, 2025, and April 10, 2025, with a total maximum guarantee amount of 4.5 billion RMB [3][4] - The approved guarantee limits include 1.8 billion RMB for Zhuhai Huazheng and 455 million RMB for Zhejiang Huaju, with the authorization period lasting until the next annual shareholders' meeting [3][4] - The company has a total external guarantee amount of 3.798 billion RMB, which is 260.98% of the audited net assets for 2024, with no overdue guarantees reported [13]

Core Viewpoint - Hainan is positioned as a key experimental zone for reform and opening up in the new era, with financial services playing a crucial role in its development, as demonstrated by the achievements of the Bank of Communications Hainan Branch [1]. Group 1: Supporting the Real Economy - The Bank of Communications has implemented a special service plan for supporting Hainan's free trade port development for five consecutive years, translating it into tangible results [4]. - The bank has directed credit resources towards key areas of the real economy, including opening green approval channels for projects like Boao Airport and Sanya Phoenix Airport, ensuring construction progress [4]. - In the direct financing market, the bank plans to increase its investment in local bonds to 6.5 billion yuan in 2024 and has cumulatively underwritten credit bonds exceeding 3.4 billion yuan, providing stable funding for local development [4]. Group 2: Leading Cross-Border Financial Services - As one of the first banks to pilot multi-functional free trade accounts (EF accounts), the Bank of Communications Hainan Branch has achieved a business volume exceeding 46 billion yuan by the end of October 2025, leading among state-owned banks in the province [5]. - The bank has supported the Hainan provincial government in issuing offshore RMB local bonds in Hong Kong for four consecutive years and facilitated the first investment in local government bonds through EF accounts in September 2025 [5]. Group 3: Comprehensive Empowerment Across Industries - The bank focuses on key industries, providing "park guarantee loans" to small and micro enterprises in the Sanya Yazhou Bay Science and Technology City and supporting the cultural tourism industry by underwriting 1.4 billion yuan in medium-term notes for Hainan Tourism Investment Development Co., Ltd [6]. - The proportion of online inclusive loans has reached 75%, with the balance of inclusive loans for small and micro enterprises exceeding 8.8 billion yuan [6]. - The bank has innovated in public welfare finance, launching the first digital RMB tax refund business in the country and collaborating with local authorities to protect workers' wages through a payment supervision system [6]. Group 4: Global Collaboration for Future Development - The bank is enhancing its forward-looking layout to embrace a higher level of openness, deepening the application of EF accounts in offshore bond issuance and new types of offshore international trade settlements [7]. - It aims to strengthen domestic and international linkages to facilitate Hainan enterprises in cross-border mergers and acquisitions, overseas listings, and global financing [7]. - The bank plans to attract more foreign asset management institutions to Hainan and improve payment convenience for foreign individuals through expanded merchant coverage and optimized foreign currency exchange services [7].