上海市贸促会副会长顾春霆、《国际金融报》总编辑徐冲为荣获"园区行"卓越贡献奖的交通银行上海市分行、上海市融资担保中心代表，以及荣获优秀 贡献奖的工行上海市分行、农行上海市分行、中行上海市分行、建行上海市分行、浦发银行上海分行、光大银行上海分行、上海银行、上海农商行、江苏银 行上海分行、太平洋财险航运保险事业营运中心代表颁奖。 12月4日，由上海金融业联合会、申万宏源证券、闵行区人民政府联合主办的第十九届上海金融服务实体经济洽谈会（下称"金洽会"）闭幕大会暨第三 届科创金融大会在闵行区大零号湾科创大厦会议中心举行。 上海金融业联合会理事长单位代表、交通银行副行长杨涛回顾了第十九届"金洽会"园区行情况并表示，"金洽会"园区行是联合会践行"金融为民"理念、 畅通金融服务渠道的创新实践，也是金融机构贴近产业一线、倾听企业呼声的务实调研。交通银行将与广大金融机构用好用实"园区行"成果：贯彻落实党中 央战略部署，助力服务上海现代化产业体系建设；大力支持联合会发挥作用，扎实推进普惠金融顾问制度走深走实；紧密围绕实体企业关切，持续推动科技 金融服务创新。 会上举行了"全球金融机构走进中国金融市场"系列活动启动仪式。杨涛与中国 ...

Core Viewpoint - The high-net-worth individuals are increasingly seeking specialized and customized charitable services from financial institutions, prompting a systematic upgrade in charity financial services by institutions like Bank of Communications [1] Group 1: Charity Financial Service Development - On November 28, Bank of Communications launched the "Rui Shan" charity financial service plan, optimizing charity services across five dimensions: model, scenario, experience, channel, and ecosystem [1] - The plan includes three main service categories: public charity trusts, asset service trusts, and asset management products, covering six public welfare areas such as rural revitalization and medical assistance [1] - Since establishing its first charity trust in 2019, the bank has set up over 60 charity trusts, attracting nearly 4,000 clients and accumulating donations of approximately 26 million yuan [1] Group 2: Client and Channel Demand Changes - Client demand has evolved from "single donation" to a comprehensive "wealth + charity" approach, with a focus on family legacy and active participation in charity projects [3] - There is a shift in channel demand from "single product" to "ecological service," requiring banks to integrate various resources to provide customized, one-stop services [3] Group 3: Role of Banks in Charity Trust Development - Banks play a multifaceted role in charity trusts, acting as secure custodians of trust assets, financial and investment advisors, important fundraising channels, and resource integrators [4] - The bank's professional fund management and risk control capabilities ensure the safety and compliance of charitable funds [4] Group 4: Challenges in Charity Trust Operations - Current challenges include difficulties in pooling diverse assets, improving fund usage efficiency and transparency, and enhancing public awareness and participation in charity [5] - Non-cash assets face obstacles due to incomplete registration systems and unclear tax policies, limiting the diversity of asset sources [5] Group 5: Innovations to Address Challenges - The bank is innovating its products and service models, such as establishing a Donor-Advised Fund (DAF) charity trust to lower donation thresholds and encourage family participation [6] - New product designs, like combining asset management trusts with charity trusts, aim to balance asset appreciation with charitable goals [6]

这也就意味着，在走完必要的程序后，唐朔或将出任建行副行长一职。 记者丨周炎炎 杨希 编辑丨方海平 21世纪经济报道记者独家获悉，建设银行刚刚新增一位党委委员唐朔，12月4日下午这一任命在行内宣布。 值得注意的是，交通银行今年8月刚刚将时任北京分行行长的唐朔提拔为业务总监（公司与机构业务），仅仅三个月，唐朔就被 跨行提拔至建行，并进入党委班子。 唐朔今年47岁，待任职资格落定后，他或将成为六家国有大行中最为年轻的一位副行长。 目前建行的领导班子成员为：党委书记、董事长张金良；副董事长、行长张毅；副行长纪志宏（兼董秘）、李建江、韩静、雷 鸣；首席财务官生柳荣。 此前唐朔担任交行对公业务总监之时，该职务已经空缺8个月，前任是已经赴任农行副行长的王文进。 交通银行（601328.SH）发布公告称，公司第十届董事会第二十四次会议于8月29日召开，会议通过了《关于聘任唐朔先生为业 务总监（公司与机构业务）的决议》。 唐朔是在交行系统内成长并不断提拔的。唐朔2001年毕业于西安交通大学，获法学学士学位，后在2018年于北京交通大学获工 程硕士学位。 他的职业生涯也是从交行起步的，既在交行北京市分行、广东省分行、江西省分行等 ...

记者丨 周炎炎 杨希 21世纪经济报道记者独家获悉，建设银行刚刚新增一位党委委员唐朔，12月4日下午这一任命 在行内宣布。 这也就意味着， 在走完必要的程序后，唐朔或将出任建行副行长一职。 值得注意的是，交通银行 今年8月刚刚将时任北京分行行长的唐朔提拔为业务总监（公司与机 构业务），仅仅三个月，唐朔就被跨行提拔至建行，并进入党委班子。 唐朔今年47岁，待任职资格落定后， 他或将成为六家国有大行中最为年轻的一位副行长。 目前建行的领导班子成员为：党委书记、董事长张金良；副董事长、行长张毅；副行长纪志宏 （兼董秘）、李建江、韩静、雷鸣；首席财务官生柳荣。 此前唐朔担任交行对公业务总监之时，该职务已经空缺8个月，前任是已经赴任农行副行长的 王文进。 交通银行（601328.SH）发布公告称，公司第十届董事会第二十四次会议于8月29日召开，会 议通过了《关于聘任唐朔先生为业务总监（公司与机构业务）的决议》。 唐朔是在交行系统内成长并不断提拔的。唐朔2001年毕业于西安交通大学，获法学学士学位， 后在2018年于北京交通大学获工程硕士学位。 编辑丨方海平 后来唐朔调任广东省分行行长，并在2023年6月担任北京市分行行 ...

Group 1 - The waste steel recycling and processing industry is experiencing growth opportunities due to the national green low-carbon transition strategy [1] - Liaoning Zhonghong Waste Steel Processing Co., Ltd. received a credit loan of 10 million yuan at a preferential interest rate of 2.6% to address financing difficulties [1] - The company, as a high-tech enterprise, provides tens of thousands of tons of quality recycled raw materials annually to large steel mills, contributing to carbon reduction in the steel industry [1] Group 2 - The loan aligns with the policy directive to develop green finance that supports the realization of ecological product value [2] - The funds will primarily be used for winter waste steel reserves, expected to increase raw material inventory by 20,000 tons and reduce carbon dioxide emissions by approximately 15,000 tons annually [2] - The bank has invested over 5 billion yuan in green circular industries in the province and plans to enhance support for strategic emerging industries and the private economy [2]

Core Insights - The credit card market in China is undergoing a significant contraction, with a reduction of 100 million cards over three years, reflecting a decline in consumer confidence and increased preventive savings [1][2] - As of the end of Q3 2023, the total number of credit cards and loan cards in circulation is 707 million, down from a peak of 807 million in June 2022, marking a continuous decline for 12 consecutive quarters [1] - The rise in credit card non-performing loan (NPL) rates to 2.40% as of mid-2023 indicates increasing asset quality pressures on banks, leading to a strategic shift in credit card issuance [1] Industry Trends - The ongoing reduction in credit card numbers is not a short-term fluctuation but a structural adjustment driven by stringent regulatory policies and insufficient consumer demand [1] - Banks are adopting differentiated strategies in card issuance, with some institutions like Postal Savings Bank and Bank of Communications reducing their card inventories, while others like China Merchants Bank and CITIC Bank are increasing their card issuance through targeted marketing [2] - Deloitte's report suggests a shift in the industry focus from quantity to quality in credit card issuance, indicating a more cautious approach by banks in response to market conditions [2]

Group 1 - The core viewpoint of the news is that Bank of Communications has launched the "Rui Shan" charitable financial service plan to meet the growing demand for "wealth for good" among customers, focusing on various dimensions such as model, scenario, experience, channel, and ecosystem [2] - The "Rui Shan" plan includes three main categories of services: public welfare charitable trusts, asset service trusts, and asset management products, totaling nine service models that cover six public welfare directions including rural revitalization, assistance for the disabled, elderly care, education funding, medical aid, and nature conservation [2] - The bank plans to launch a charitable section in its mobile banking app, creating a one-stop platform for information display, project donations, and progress tracking, aiming to expand the "finance + public welfare" cooperation ecosystem [2] Group 2 - Since establishing its first charitable trust in 2019, the bank has set up over 60 charitable trusts, gathering nearly 4,000 caring customers and donating approximately 26 million yuan, with significant growth in charitable trusts since 2025 [2] - The bank has donated a total of 250 million yuan in targeted assistance programs in regions such as Gansu, Shanxi, and Sichuan, and has collaborated with organizations like the China Disabled Persons' Federation to support disabled youth education, contributing 120 million yuan [3] - The bank aims to further expand its charitable service ecosystem and explore new paths for promoting "finance + charity" on a larger and more professional scale, contributing to the concept of common prosperity [3]

交通银行副行长杨涛在大会现场表示，未来将携手广大金融机构加大力度支持上海三大先导产业、六大 重点产业以及未来产业的发展，为各类企业在不同发展的阶段协力构筑全生命周期金融服务体系，切实 保障上海现代化产业体系的建设提速增效。 他指出，新一轮科技革命催生了新业态、新赛道，对金融服务的需求更趋多元。要推动金融行业加速构 建从科技创新相适应的金融服务体系，会同银、政、保、投资各类机构，聚焦各自职能定位发挥功能优 势，齐心协力，助力企业更便捷地获得一揽子金融支持，提升上海的营商环境。 据相关负责人透露，微信小程序"上海金洽会"线上展将持续至2026年9月。线上平台除集中展示最新金 融产品、政策信息外，还将上海普惠金融顾问综合服务平台嵌入小程序，为中小微企业提供持续可得的 在线金融咨询窗口，延伸"金洽会"服务效能。 12月4日，金融一线消息，第十九届上海"金洽会"在闵行大零号湾举办闭幕大会，为期三个月的系列活 动正式收官。 自今年9月开幕以来，本届金洽会在黄浦、静安、奉贤、崇明等10个区共举办十二场"园区行"专场融资 对接活动，通过组织金融服务下沉园区、直达企业，将金融资源精准引向产业发展所需的重点园区，打 造出流动的金 ...

Core Insights - Shandong Port has achieved a cargo throughput of over 1.8 billion tons and container volume exceeding 44 million TEUs, maintaining its position as the world's largest port [1] - The port is transitioning from a focus on quantity to quality, emphasizing "smart" and "green" initiatives to build a world-class intelligent and eco-friendly port [1] Group 1: Energy Transition - Yantai Port has implemented shore power systems, eliminating diesel generator use for over 8,000 vessels, resulting in a reduction of over 10,000 tons of CO2 emissions [2] - Weifang Port in Bohai Bay is the first "zero-carbon port" in China, utilizing a multi-energy supply system including solar, wind, and hydrogen energy, with an annual power generation capacity of 69.15 million kWh [2] - By 2024, clean energy usage at Shandong Port is projected to reach 63%, with a green electricity supply capacity of 200 million kWh [3] Group 2: Technological Empowerment - Automation and technology are enhancing operational efficiency at Shandong Port, with Qingdao Port's automated terminal achieving an average efficiency of 62.62 TEUs per hour, setting a global record [5][6] - The implementation of automated unloading processes at various ports has led to over a 20% increase in efficiency and an 80% reduction in dust pollution [6] Group 3: Financial Support for Green Initiatives - Financial institutions like Bank of Communications are providing significant funding support, with a total credit line of 46 billion yuan to support various port operations and projects [3][6] - The "Port Easy Payment" platform facilitates financing for small and medium enterprises in the supply chain, addressing challenges related to financing costs and access [7][9] Group 4: Sustainable Development Goals - Shandong Port is committed to building a comprehensive service system for the supply chain, transitioning from traditional port operations to a role as a supply chain service organizer [7] - The integration of green supply chain finance is enhancing the environmental standards across the entire supply chain, promoting a sustainable development model [9][10]

12月2日晚间，邮储银行发布公告，将于2026年2月13日派发中期股息每10股1.23元，合计派息约147.72 亿元，占2025年上半年归母净利润的30%。 部分银行分红比例提升 银行中期分红从"可选项"逐渐转变为"常规动作"，与近年来监管层的持续倡导密不可分。 2023年12月中旬，中国证监会发布《上市公司监管指引第3号——上市公司现金分红》，该指引修订内 容主要有三个方面，其中包括简化中期分红程序，推动进一步优化分红方式和节奏。鼓励公司在条件允 许的情况下增加分红频次。新"国九条"也提出，"加大对分红优质公司的激励力度，多措并举推动提高 股息率。增强分红稳定性、持续性和可预期性，推动一年多次分红、预分红、春节前分红。" 尽管面临净息差持续收窄等周期性挑战，但上市银行，尤其是国有大行和部分优质股份制银行，依然展 现出较强的盈利韧性和分红意愿。且记者注意到，部分上市银行此次提出的中期分红比例进一步提升。 如上海银行2025年中期现金分红比例进一步提升至32.22%；沪农商行2025年中期分红比例为33.14%， 较2024年的中期分红比例继续小幅提升。 《中国经营报》记者梳理发现，除邮储银行外，其他五家国有 ...