Core Viewpoint - The article highlights the increasing demand for traditional festive products as the Spring Festival approaches, with financial institutions like Bank of Communications providing tailored financial solutions to support local businesses and enhance the "New Year economy" [1][4]. Group 1: Industry Insights - The demand for traditional foods, such as cured meats, remains consistently high during the Spring Festival, with companies like Baoyue Food in Hunan's Xiangxi region becoming benchmarks in the local cured meat industry [2]. - The Bank of Communications' Xiangxi branch has innovatively used trademark intellectual property pledges to provide timely financing to small agricultural enterprises, addressing their liquidity needs and ensuring stable production of quality cured meats [2]. - In Anhui's Bengbu, the demand for nut gift boxes surges before the New Year, with local businesses facing cash flow challenges due to upfront costs [3]. Group 2: Financial Solutions - The Bank of Communications' Bengbu branch introduced the "Business Circle Loan," a quick and flexible financing product that meets the needs of local merchants, allowing for rapid access to funds [3]. - The bank has approved over 40 million yuan in loans for more than 40 merchants in the Haijixing market, demonstrating its commitment to supporting local economies through tailored financial services [3]. - The bank's focus on inclusive finance aims to alleviate funding bottlenecks, thereby invigorating the festive economy and enhancing the overall business environment during the Spring Festival [4].

中经记者 张漫游 北京报道 自2025年年末以来，财政部、中国人民银行等部门密集出台一揽子科技金融协同支持政策，通过财政贴 息、专项再贷款配套、政府性融资担保赋能等多种工具，引导金融"活水"加速涌向科技创新领域。在此 背景下，银行业如何有效承接政策红利，构建适配科技创新风险与收益特征的金融服务体系，成为推动 科技与金融深度融合的关键。 然而，政策落地并非一帆风顺，"政出多门、条块分割"的协同难题、轻资产科技型企业与传统风控模式 的矛盾、全生命周期服务的精准适配要求，以及区域特色产业赛道的深度定制需求，构成了银行业面临 的普遍挑战。 近日，在湖南省两会召开期间，湖南省人大代表、交通银行湖南省分行党委书记、行长刘鹏涛接受了 《中国经营报》记者专访，他强调"投早、投小、投硬科技"不仅是社会责任，更是培育未来客户、实现 商业可持续的长远布局。 破解政策落地堵点 创新风控适配模式 《中国经营报》：当前，银行业在承接国家科技金融政策、推动政策精准落地过程中，面临的核心共性 挑战是什么？分行如何破解这些难题？ 刘鹏涛：当前科技金融政策支持力度持续加大，但行业普遍面临"政出多门、条块分割"的共性难题—— 部分政策门槛偏高、呈 ...

Group 1 - The core point of the article is the significant personnel adjustment at the Bank of Communications, with He Bo, the current Deputy General Manager of the Zhejiang Branch, set to take over as the General Manager of the Credit Card Center, pending regulatory approval [2][3] - He Bo has extensive experience in personal financial management and branch operations within the Bank of Communications, having previously held positions such as Senior Manager and Deputy General Manager in the Personal Financial Business Department [3] - The previous General Manager of the Credit Card Center, Han Dong, has been appointed as the President of the Ningbo Branch, with his qualifications officially approved by the Ningbo Financial Regulatory Bureau [3][5] Group 2 - The credit card business is a core segment of the Bank of Communications' retail finance, with a reported credit card overdraft balance of 532.58 billion yuan and a card issuance exceeding 60.1 million as of the latest half-year report [7] - The bank's 2026 work conference outlined strategic goals focusing on cost reduction, quality improvement, and digital empowerment, which align with the transformation needs of the credit card business [9] - The industry is experiencing a shift from scale expansion to value cultivation, with banks focusing on optimizing operations and enhancing customer-centric strategies, as highlighted by recent trends in the credit card sector [10]

北京商报讯（记者 宋亦桐）2月3日，交通银行发布公告指出，根据中钞长城贵金属有限公司通知，现 将该公司最新发货安排进行告知：自2026年2月4日00:00起通过交通银行代销渠道下单成功的沃德金系 列产品发货时间调整为春节假期后1周至3周左右。 中钞长城贵金属有限公司公告显示，由于近期订单量激增，自2026年2月4日起，该公司沃德金系列产品 （含沃德金梯形版系列、沃德金惠民版系列、典藏金豆系列、沃德金"福、禄、寿、喜、财系列"、沃德 金生金系列）产品交付时间为春节假期后1—3周。 ...

Core Viewpoint - The announcement by交银国际 (03329) regarding the framework agreement with交通银行 aims to enhance operational efficiency and cost-effectiveness through shared administrative and non-administrative support services [1] Group 1: Agreement Details - The framework agreement is set to commence on February 3, 2026, and will remain effective until December 31, 2028, with an automatic three-year renewal subject to applicable listing rules [1] - The agreement requires independent shareholder approval for the proposed transactions and related annual caps [1] Group 2: Operational Impact - The collaboration with交通银行 is expected to leverage the group's resources, thereby improving overall operational efficiency and reducing operational costs [1] - By integrating various administrative and non-administrative support functions, the company aims to minimize resource duplication and lower fixed investments in infrastructure, systems, and personnel, achieving economies of scale [1]

行政及非行政职能支持服务共享框架协议项下拟进行的交易将使本集团凭借交通银行集团的资源，提升 其整体运营效率及成本效益。通过整合若干行政及非行政支持职能，本集团可减少资源重复及降低对基 础设施、系统及人力的固定投入，从而实现规模经济并降低其运营成本。 智通财经APP讯，交银国际(03329)发布公告，于2026年2月3日，本公司与交通银行订立行政及非行政职 能支持服务共享框架协议，据此，交通银行集团同意向本集团提供行政职能支持服务及非行政职能支持 服务。行政及非行政职能支持服务共享框架协议须自根据适用上市规则获得独立股东批准行政及非行政 职能支持服务共享框架协议项下拟进行的交易及相关建议年度上限之日起生效至2028年12月31日止(包 括首尾两日)，并且此后连续三年将自动续期，惟须遵守届时适用上市规则的规定。 ...

Investment Rating - The industry investment rating is "Buy" [2] Core Insights - The report provides a comprehensive analysis of 163 regional banks in Zhejiang Province, highlighting their asset and liability structures, profitability, and asset quality [6][20] - The asset growth rate for major city commercial banks in Zhejiang is 9.4%, which is lower than the 14.2% growth rate of listed city commercial banks, while major rural commercial banks show an asset growth rate of 8.0%, exceeding the 6.7% growth rate of listed rural commercial banks [6][25] - The report indicates that the loan-to-asset ratio for city commercial banks is projected to reach 55.5% in 2024, an increase of 95 basis points year-on-year, while rural commercial banks will see a decrease to 59.3%, down 19 basis points [31] - Profitability metrics show that the average Return on Assets (ROA) for city commercial banks in Zhejiang is 0.78%, slightly above the average of listed city commercial banks, while rural commercial banks have an average ROA of 0.82%, which is below the average of listed rural commercial banks [6][31] - The asset quality of regional banks in Zhejiang is reported to be better than that of listed banks, with non-performing loan ratios lower by 16 basis points for city commercial banks and 9 basis points for rural commercial banks compared to their listed counterparts [6][31] Summary by Sections Section 1: Economic Structure of Zhejiang Province - Zhejiang Province is focused on high-quality development and aims to become a model for common prosperity [13] - The province's GDP is heavily concentrated in cities like Hangzhou, Ningbo, and Wenzhou, with Hangzhou accounting for 24.3% of the total GDP in 2025 [15] Section 2: Overview of 163 Regional Banks - The report categorizes the banks into city commercial banks, rural banks, and others, with a total of 163 banks in the region [20] - The distribution of registered capital among these banks is relatively balanced, with 63 banks having over 500 million yuan in registered capital [22] Section 3: Asset and Liability Structure - The asset growth of major city and rural commercial banks has been declining since 2019, with city banks showing a growth rate of 9.4% in the first half of 2025 [25] - The liability structure indicates that customer deposits account for 77.5% of liabilities for city commercial banks, which is higher than the 66.2% for listed city banks [44] Section 4: Profitability and Asset Quality - The average ROE for city commercial banks in Zhejiang is 11.98%, slightly lower than the average of listed city banks [6][31] - The report highlights that the non-performing loan ratio for city commercial banks is lower than that of listed banks, indicating better asset quality [6][31]

据公开信息，此前担任交通银行信用卡中心党委副书记、总经理韩冬已于2025年末调任该行宁波分行。 今年1月29日，宁波金融监管局发布《关于韩冬交通银行股份有限公司宁波分行行长任职资格的批 复》，正式核准韩冬交通银行宁波分行行长的任职资格。 交通银行2025年半年报显示，截至报告期末，该行境内行信用卡透支余额5325.82亿元，在册卡量 6009.85万张；报告期内，信用卡累计消费额10966亿元。 北京商报讯（记者 孟凡霞 周义力）2月3日，北京商报记者获悉，交通银行信用卡中心迎来人事调整。 交通银行浙江省分行副行长贺波将接任总行信用卡中心总经理一职，其任职资格尚待监管部门批复。 公开信息显示，贺波，曾任交通银行总行个人金融业务部高级经理、副总经理，2022年10月起获批交通 银行浙江省分行副行长。2019年至2022年，贺波还担任交银理财非执行董事。 ...

FF301 股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 | | | 致：香港交易及結算所有限公司 FF301 | | 法定/註冊股份數目 | 面值 | | | 法定/註冊股本 | | --- | --- | --- | --- | --- | --- | | 上月底結存 | 450,000,000 | RMB | 100 | RMB | 45,000,000,000 | | 增加 / 減少 (-) | | | | RMB | | | 本月底結存 | 450,000,000 | RMB | 100 | RMB | 45,000,000,000 | 公司名稱: 交通銀行股份有限公司 呈交日期: 2026年2月3日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 03328 | 說明 | H股 | | | | | | | | | | 法定 ...

转自：新华财经 结合奶制品消费端实际，交通银行吴忠分行积极发挥金融机构提振消费职能作用，联合地方商务部门， 制定《"金融助力，乳业振兴"交通银行支持奶产业纾困、提振消费力行动方案》，开展"1元换购100元 乳制品优惠活动"，从消费端贡献"交行力量"。吴忠市利通区政府相关负责人评价："交通银行助企纾 困、提振消费的做法，是积极响应稳增长促发展决策部署的具体实践，通过创新奶产业金融产品和服 务，丰富金融消费场景，为地方奶产业高质量发展贡献了金融力量。"（王学红） 编辑：赵鼎 交通银行吴忠分行积极探索农业设施产权抵押贷款业务路径，主动对接吴忠市政府奶产业纾困基金政 策，联合市农业农村局、市财政局及国有担保公司建立"政策共研、风险共担、信息共享"机制。通过政 银企座谈会、产业链调研等方式，精准掌握企业融资痛点，定向支持奶牛养殖场购置饲草饲料、升级环 保设施，保障奶源供应和牧场日常运营。 该行通过"政府风险补偿基金+银行信贷+担保增信"组合模式，降低企业融资门槛，在每年8月、9月青 贮采购关键节点，开辟绿色审批通道，对经营正常但暂时遇困的企业做到"应贷尽贷、应续尽续"，切实 维护产业链稳定。截至2025年末，该行新增纾 ...