声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 来源：市场资讯 天眼查资料显示，交通银行股份有限公司，成立于1987年，位于上海市，是一家以从事货币金融服务为 主的企业。企业注册资本7426272.6645万人民币。通过天眼查大数据分析，交通银行股份有限公司共对 外投资了170家企业，参与招投标项目5000次，财产线索方面有商标信息453条，专利信息274条，此外 企业还拥有行政许可138个。 国家知识产权局信息显示，交通银行股份有限公司取得一项名为"一种图谱即视查询系统"的专利，授权 公告号CN115374295B，申请日期为2022年9月。 ...

该《行动方案》聚焦建设全球风险减量服务能力，中国太保将发挥海上风险减量服务优势，融合发挥与交行全球化服务网络，为产业客户提供多样化风险减 量服务，促进提升上海国际航运中心国际化服务水平；同时积极关注国际气候变化对航运业的影响，研究推出航运金融应对举措。 该《行动方案》重点布局提升金融服务航运数智绿色转型能力，从航运贸易数字基础设施建设、航运物流、水上运输业（航运业）转型金融目录标准、绿色 港口全周期金融服务、船舶绿色低碳升级改造、绿色船舶动力等多维度出发，体现太保与交行在绿色航运领域的市场引领作用。同时，中国太保将聚焦绿色 航运等关键堵点、实际难点，实施联合课题攻坚，开展前沿性探索，加强业务融合促进，做强绿色保险。 该《行动方案》还强调提升上海国际航运中心影响力。中国太保将运用中英转型金融工作组、国际海上保险联盟（IUMI）等国际平台积极开展交流对话活 动，发出中国声音、输出中国方案，增强上海国际航运中心国际影响力。 发展绿色航运、做强航运保险，是中国太保积极贯彻国家"十五五"绿色发展战略、响应国家最新自主贡献目标的重要举措。中国太保将以《行动方案》为指 引，稳步推进各项任务落地见效，以实际行动践行领先保险机 ...

交通银行中山分行深入各镇街一线开展项目对接，协助谋划和申报一批产业特色鲜明的园区专项债项 目。 在中山全面推进"百千万工程"、奋力打造"精品城市"的关键时期，交通银行中山分行（下称"中山交 行"）坚决贯彻中山市委、市政府决策部署，坚守国有大行责任担当，以"金融财力+金融智力"双轮驱动 为主线，聚焦产业园区建设、美丽乡村打造与民生福祉提升等重点领域，以务实行动和典型案例持续注 入金融活水，为城乡区域协调发展绘就崭新图景。 展望未来，中山交行将继续紧扣"百千万工程"目标，深化"融资+融智"综合服务，运用"商行+投行"多元 化融资工具，在授信政策与行业准入上持续优化，积极探索新型服务方式，为中山产业转型升级与城乡 区域高质量协调发展贡献更多金融力量，助力打造具有辨识度的"中山样板"。 推广 文：黄心怡 制版：易福红 刘艳兰 刘蔡林 针对城乡"三线"乱搭乱接影响村容与安全的问题，中山交行延伸服务链条，协同市工信局、管信科技公 司推进全市三线整治项目。面对专项债申报中的收益难点，创新构建"申报—建设—运营"全流程闭环模 式，既保障整治工程资金可持续，又通过科学规划实现长效运营，助力清除"空中蜘蛛网"，切实改善镇 村人居 ...

Group 1 - The announcement states that from November 28, 2025, China Galaxy Securities Co., Ltd. will act as a subscription and redemption agent for certain exchange-traded open-end index funds under CCB Fund Management Co., Ltd. [1] - Investors can conduct business related to the aforementioned funds at the sales institutions' outlets, and they are advised to refer to the relevant business rules and processes of the company and sales institutions [1] - The contact information for CCB Fund Management Co., Ltd. is provided, including a customer service hotline and website [1] Group 2 - A notice regarding the convening of a communication-based meeting for the fund holders of CCB Runli Enhanced Bond Fund is issued, with voting scheduled from December 19 to December 29, 2025 [2][3] - The meeting will discuss the proposal to adjust the income distribution principles of the fund, which requires approval from more than half of the voting rights held by participants [6][21] - The rights registration date for fund holders to participate in the meeting is set for December 18, 2025 [7] Group 3 - The voting process will be conducted via written paper ballots, and specific instructions for filling out and submitting the ballots are provided [8][9] - The counting of votes will be supervised by authorized personnel and notarized by a public notary [12] - The resolution from the meeting will take effect upon approval and will be reported to the China Securities Regulatory Commission [15][22] Group 4 - The proposal to adjust the income distribution principles includes changes to the frequency and conditions of profit distribution, allowing for more flexibility in the distribution process [23][24] - The new distribution principles will allow the fund manager to propose distribution plans based on actual conditions, with a default option of cash dividends unless otherwise specified by the fund holders [24] - The adjustments aim to better protect the interests of fund holders and will be communicated through the appropriate channels [25]

Core Viewpoint - The major state-owned banks in China have collectively removed five-year large-denomination time deposits, indicating a trend of declining long-term deposit products in the banking industry [1][2][4] Group 1: Changes in Deposit Products - The six major state-owned banks have eliminated five-year large-denomination time deposits, with only three-year products remaining, which have seen interest rates drop to between 1.5% and 1.75% [1] - The first bank to announce the cancellation of five-year time deposits was Tongyu County Mengyin Village Bank, which will stop offering this product starting November 5, 2025 [1] - Other banks, including at least seven private banks, have also begun to remove five-year time deposits, reflecting a broader trend in the industry [3][4] Group 2: Interest Rate Adjustments - The interest rates for various deposit products have been adjusted downwards, with one-year and two-year rates reduced by 5 basis points to 1.45% and 1.55%, respectively, and the three-year rate decreased by 10 basis points to 1.85% [3] - The adjustments are a response to the pressure on net interest margins faced by banks, as the yield on assets (like loan rates) is declining while the cost of liabilities (like deposit rates) remains rigid [2][4] Group 3: Industry Context and Implications - The banking industry is experiencing a "two-sided squeeze" where declining loan rates and high competition for deposits are pressuring net interest margins, leading to the reduction of long-term high-interest deposit products [4] - A survey indicated that 62.3% of urban depositors prefer to save more, a slight decrease from the previous quarter, suggesting a shift in savings behavior due to lower interest rates [4] - Analysts predict that while long-term deposits will not completely disappear, they will exhibit differentiated supply characteristics, with state-owned banks likely retaining five-year deposits as service tools but at potentially lower rates [5]

目前，交通银行蚌埠分行与宁波分行正在积极推进全省首笔跨区域联合授信业务，计划为来自浙江的某 转移企业联合授信5亿元，预计今年12月份正式落地。"长三角跨区域联合授信"标准化协议的签署，有 力构建了"金融协同—产业联动—区域共赢"的良性发展机制，为长三角产业转移项目提供了高效、便 捷、稳定的融资支持。通过标准化运作与服务模式创新，有效提升了企业融资便利度，推动蚌埠金融服 务体系向专业化、精细化加速升级，促进本地信贷资源与"智造强市、产业立市"第一战略精准适配，实 现经济金融的良性循环。 下一步，交通银行安徽省分行将持续深化"长三角跨区域联合授信"标准化应用，引导全辖紧密对接企业 的产业转移特征和融资需求，丰富联合授信应用场景，发挥"总部驻沪"和"金融全牌照"优势，提升服务 精准性和适配性，为长三角区域更高质量一体化发展注入更强金融动能。（周金龙） 编辑：穆皓 转自：新华财经 为深入贯彻落实长三角一体化发展战略，推动信贷资源高效流动和优化配置，人民银行安徽省分行、交 通银行安徽省分行积极引导辖内机构探索完善跨区域联合授信机制，服务产业转移企业融资便利化。近 日，在人民银行、交通银行省市两级分行联合推动下，交通银行 ...

2025年11月27日，交通银行（601328）发布公告称，根据《理财公司理财产品销售管理暂行办法》 中"理财公司与代理销售机构合作，理财公司与代理销售机构应当在代理销售合作协议签订10个工作日 内，至少通过本公司、代理销售机构的官方渠道予以公告。"的要求，特此公告：交通银行已与北银理 财有限责任公司签订理财产品代理销售协议，将依法合规代理销售北银理财有限责任公司依法发行的理 财产品。具体代销产品可通过交通银行门户网站www.bankcomm.com查询（查询路径：首页-个人业务- 投资服务-个金产品信息披露-代销产品-公募理财）。 ...

Core Viewpoint - The trend of large-denomination certificates of deposit (CDs) disappearing from the market is evident, with major banks removing long-term products to manage net interest margin pressures and adapt to changing monetary policies [1][2][3] Group 1: Market Changes - Major state-owned banks and national joint-stock banks have removed five-year large-denomination CDs from their offerings, with only short-term products available [1] - The availability of three-year large-denomination CDs is also tightening, with some banks halting new issuances [1][2] - The current offerings are primarily focused on one-year or shorter terms, with some banks only providing three-month or six-month products [2] Group 2: Reasons for Changes - The primary reason for banks discontinuing long-term large-denomination CDs is to alleviate the increasing pressure on net interest margins due to declining loan rates [2] - By reducing high-cost liabilities associated with long-term CDs, banks aim to optimize their liability structure and control overall funding costs [2][3] - This adjustment is seen as a proactive measure by banks in response to macroeconomic conditions and regulatory guidance [2] Group 3: Future Outlook - The role and form of large-denomination CDs are expected to undergo significant changes, with a shift towards shorter-term products becoming more common [3] - The interest rate advantage of large-denomination CDs is likely to diminish, aligning more closely with regular fixed-term deposits [3] - A long-term downward trend in deposit rates is anticipated, driven by monetary policy aimed at reducing financing costs for the real economy [3]

Core Viewpoint - On November 26, a block trade of 630,000 shares of Bank of Communications was executed at a price of 7.72 yuan, representing a premium of 0.78% over the closing price of 7.66 yuan for the day [1] Summary by Category Block Trade Details - The total transaction amount for the block trade was 4.8636 million yuan [1] - The buyer and seller for this transaction were both from CITIC Securities Co., Ltd., Beijing Zizhuyuan Road Securities Branch [1] - In the last three months, the stock has seen a total of 10 block trades, with a cumulative transaction amount of 135 million yuan [1] Stock Performance - The closing price of Bank of Communications on the day of the trade was 7.66 yuan, down 0.78% [1] - The daily turnover rate was 0.58%, with a total trading volume of 1.153 billion yuan [1] - There was a net outflow of 4.9728 million yuan in main funds for the day, while the stock has increased by 1.73% over the past five days, with a total net inflow of 390 million yuan [1] Margin Trading Data - The latest margin financing balance for the stock is 1.586 billion yuan, which has decreased by 27.8239 million yuan over the past five days, reflecting a decline of 1.72% [1]

Group 1 - The core point of the article is that Bank of Communications Co., Ltd. has obtained a patent for a mobile terminal password-free authentication method based on token hierarchical transformation, with the patent granted on January 2023 [1] - The patent is identified by the authorization announcement number CN 116233845 B [1] - Bank of Communications was established in 1987 and is located in Shanghai, primarily engaged in monetary financial services [1] Group 2 - The registered capital of Bank of Communications is approximately 74.26 billion RMB [1] - The bank has made investments in 170 enterprises and participated in 5,000 bidding projects [1] - The bank holds 453 trademark information records and 274 patent information records, along with 138 administrative licenses [1]