来源：金融界 2025年8月18日，上海清算所网站披露公告，国家电网有限公司2022年度第六期中期票据将于2025年8月 30日（如遇法定节假日或休息日则顺延至其后的第一个工作日）付息，本期应偿还利息金额为人民币 172800000元。该债券简称"22电网MTN006"，代码为102281986，发行总额为人民币60亿元，起息日为 2022年8月30日，发行期限为5年，债项余额为人民币60亿元，评级情况为AAA，本计息期债券利率为 2.88%。主承销商为华夏银行股份有限公司、交通银行股份有限公司，存续期管理机构为华夏银行股份 有限公司，登记托管机构为银行间市场清算所股份有限公司 。 ...

转自：新华财经 联动当地优质商圈，构建消费新生态 交通银行内蒙古分行以"百县万店"为载体，联合当地优质商户共建消费生态，即商户提供专属折扣，银行提供资金补贴，形成"银行搭台、商户唱戏、民众 受益"的闭环。 本次大型营销活动选取鄂尔多斯伊金霍洛旗购物中心、准格尔旗都市生活广场两大县域核心商圈作为试点，覆盖餐饮、商超、手机卖场等高频消费场景，打 造方便实惠的便民消费圈。 多维活动精准触达，消费潜力持续释放 针对县域居民日益增长的消费需求，该行在"最红星期五"餐饮"25元购50元代金券""50元购100元代金券"活动的基础上，推出天天特惠3-8元补贴券满足日常 就餐优惠；在周边3公里范围内，联合大型超市、便利店开展"满20元立减5元"优惠活动，覆盖日用百货等民生品类；联合中石油开展周五加油"满300元至高 立减30元"活动，覆盖居民出行场景；联合当地手机家电卖场在国补基础上开展免息分期"满3000立减120"的优惠活动。 近年来，交通银行内蒙古分行以"百县万店惠民生"县域活动为载体，通过与当地优质商户的协同推进，在鄂尔多斯伊金霍洛旗、准格尔旗两个百强县的核心 商圈构建"金融+消费+民生"生态圈，将金融服务嵌入县域消 ...

Core Viewpoint - The announcement from the Shanghai branch of Bank of Communications emphasizes the need to strengthen the verification of personal customer identity information for digital renminbi wallets to prevent money laundering and ensure financial security [1][3]. Group 1: Strengthening Identity Verification - The bank will implement measures such as downgrading wallets to anonymous status and restricting financial services for customers with incomplete identity information or expired identification documents [2][4]. - The verification process includes checking the customer's name, gender, nationality, contact number, type of identification document, number, and validity period [3][4]. - Similar announcements have been made by other branches of Bank of Communications, indicating a broader initiative across the bank [3]. Group 2: Legal and Regulatory Compliance - The actions taken by the bank are in accordance with various laws and regulations, including the Anti-Money Laundering Law of the People's Republic of China and guidelines for anti-money laundering and counter-terrorism financing related to digital renminbi [3][4]. - The bank aims to enhance the quality of account management and protect user rights while maintaining financial order [5][7]. Group 3: Risks of Digital Currency - The rise of digital renminbi has attracted attention from various demographics, including tourists and students, but it also poses risks of misuse by criminals for money laundering and terrorist financing [5][6]. - A case was highlighted where a criminal group exploited digital renminbi accounts to withdraw over 10 million yuan, indicating the potential for abuse [5][6]. - The bank's initiative to verify identity information is seen as a necessary step to mitigate these risks and ensure the safe development of digital currency [7].

Core Viewpoint - The banking sector, particularly joint-stock commercial banks, is facing significant challenges due to pressure from state-owned banks and city commercial banks, leading to a low growth cycle and increased competition [1][2][4]. Group 1: Industry Challenges - Joint-stock banks are experiencing a decline in total assets, with a total of 73.3 trillion yuan as of April 2024, representing a decrease of nearly 2 percentage points compared to the end of 2020 [3]. - The overall performance of joint-stock banks has weakened due to various factors, including the pressure from state-owned banks and the lack of local government support compared to city and rural commercial banks [6][7][15]. - The market share of joint-stock banks has been declining, particularly after 2016, with a more significant drop post-2020, indicating a failure to establish a differentiated competitive advantage [14][22]. Group 2: Financial Performance - In 2024, several joint-stock banks reported varied performance in total assets and operating income, with some banks like 华夏银行 showing a significant increase in total assets by 24.70% [3]. - The net profit situation for joint-stock banks has been mixed, with some banks like 兴业银行 and 中信银行 showing resilience in their public business, while others like 平安银行 faced declines in net profit [19][21]. - The competition among joint-stock banks is intensifying, with 中信银行 leading in operating income at 2136.46 billion yuan, while 兴业银行 and 浦发银行 are also significant players but facing challenges in maintaining their rankings [19][21]. Group 3: Strategic Responses - In response to the competitive landscape, several joint-stock banks are adopting local strategies to deepen their engagement with regional economies, potentially transforming into upgraded versions of city commercial banks [7]. - The future competition will require banks to balance strategic determination and flexibility, with a focus on differentiating their services and leveraging technology for innovation [22].

Core Points - The announcement from the Bank of Communications indicates the resignation of non-executive directors Li Longcheng and Wang Linping due to age reasons [1] - Their resignations will take effect on August 15, 2025 [1] Company Summary - Li Longcheng has resigned from his positions as non-executive director, audit committee member, and human resources and compensation committee member [1] - Wang Linping has resigned from his roles as non-executive director, member of the strategic committee (inclusive of the inclusive finance development committee), and risk management and related party transaction control committee member [1]

Core Viewpoint - The banking industry in China has shown resilience and stability in the first half of the year, with key indicators such as non-performing loan ratio, provision coverage ratio, and capital adequacy ratio remaining stable and improving, indicating a strong capacity to resist risks and support the real economy [2][6]. Group 1: Banking Industry Performance - As of mid-year, total assets of banking financial institutions reached 467.3 trillion yuan, a year-on-year increase of 7.9%, with large commercial banks' total assets at 204.2 trillion yuan, growing by 10.4% [1]. - The non-performing loan balance for commercial banks was 3.4 trillion yuan, a decrease of 24 billion yuan from the previous quarter, with a non-performing loan ratio of 1.49%, down by 0.02 percentage points [7]. Group 2: Support for the Real Economy - The balance of inclusive micro-enterprise loans reached 36 trillion yuan, growing by 12.3% year-on-year, while inclusive agricultural loans amounted to 13.9 trillion yuan, increasing by 1.1 trillion yuan since the beginning of the year [3]. - Large commercial banks played a significant role in supporting the real economy, with their inclusive micro-enterprise loan balance exceeding 16 trillion yuan, accounting for a higher proportion of the total industry loans [4]. Group 3: Operational Efficiency and Cost Management - The banking sector has improved operational efficiency, with the cost-to-income ratio at 30.2%, a decrease of 5.3 percentage points from the previous year, and non-interest income ratio rising to 25.75%, an increase of 3.33 percentage points [5]. - The net interest margin remained stable at 1.42%, with a slight decrease of 0.01 percentage points from the first quarter [5]. Group 4: Risk Management and Capital Adequacy - The banking sector has increased provisions and improved asset disposal efforts, with new provisions totaling 1.1 trillion yuan, an increase of 579 billion yuan year-on-year, and non-performing asset disposals reaching 1.5 trillion yuan, up by 1.236 trillion yuan [7]. - Capital adequacy ratios showed improvement, with the overall capital adequacy ratio at 15.58%, up by 0.30 percentage points from the previous quarter [7].

Core Points - The announcement details the resignation of non-executive directors Li Longcheng and Wang Linping from the board of Bank of Communications due to age-related reasons, effective August 15, 2025 [1][2] - Both directors confirmed that there are no disagreements with the board and no matters related to their resignation need to be disclosed to shareholders and creditors [2] - The resignations are not expected to impact the operations of the board or the management of the company, as proper handover procedures have been followed [3] Summary by Sections Resignation Details - Li Longcheng and Wang Linping have submitted their resignation letters, with Li resigning from the roles of non-executive director, audit committee member, and human resources and compensation committee member, while Wang resigns from the roles of non-executive director, strategic committee member, and risk management and related party transaction control committee member [1] Confirmation of No Disagreements - Both directors have confirmed that there are no differing opinions with the board and no relevant matters to notify shareholders and creditors regarding their departure [2] Impact on Company Operations - The resignations of Li Longcheng and Wang Linping are not anticipated to affect the board's operations or the company's management, as they have completed the necessary work handover in accordance with company regulations [3]

本文源自：金融界 2025年8月16日，乐山电力公告，其控股子公司绵阳安泓企业管理有限公司之全资子公司绵阳安泓建设 发展有限公司，为满足生产经营需要，向交通银行绵阳分行申请1000万元贷款，安泓企管提供连带责任 担保。 ...

交通银行（601328）(03328)公布，李龙成先生因年龄原因，向该行董事会提请辞去非执行董事、审计 委员会委员、人事薪酬委员会委员职务;汪林平先生因年龄原因，向该行董事会提请辞去非执行董事、 战略委员会(普惠金融发展委员会)委员、风险管理与关联交易控制委员会委员，辞任自2025年8月15日 起生效。 ...

（编辑 楚丽君） 证券日报网讯 8月15日晚间，交通银行发布公告称，本公司董事会收到非执行董事李龙成先生、汪林平 先生的辞任函。李龙成先生因年龄原因，向本公司董事会提请辞去非执行董事、审计委员会委员、人事 薪酬委员会委员职务；汪林平先生因年龄原因，向本公司董事会提请辞去非执行董事、战略委员会（普 惠金融发展委员会）委员、风险管理与关联交易控制委员会委员，辞任自2025年8月15日起生效。 ...