"金融业是半个IT行业"，是数字化最早、最深的行业之一。在我国，大力发展金融科技、深化数字化转 型，做好数字金融大文章，对金融机构来说不是"选答题"，而是"必答题"，在部分银行已经成为"抢答 题"。 然而，在回答新的历史时期这一时不我待的命题过程中，我国银行业金融机构普遍产生了"数字化焦 虑"，焦虑可能源于四个方面： 一是数字经济的快速发展。我国数字经济规模已经位居全球第二，到2025年数字经济（包括数字产业化 和产业数字化）比重有望超过经济总量的一半。这就要求金融业加快数字化转型，发展数字金融，形成 与数字经济相匹配的新服务、新模式。 二是要寻找适合自身特点的数字化路径。对多数银行而言，实施数字化转型不用"大而全"，不能一键复 制，而要充分结合自身实际，走出一条差异化、特色化的转型之路。银行不但要制定数字化转型战略， 更要从自身资源禀赋出发，聚焦战略目标和业务重点，从量和质两个维度寻求优化和突破。 三是加快引进和培养科技与金融复合型人才。人才是数字化转型的第一资源。应加快推动具有科技背景 的人才进入董事会、监事会和高管层，提高数字化转型的决策水平。对小型银行，金融管理部门应支持 其在省会等中心城市设立研发中 ...

■本报记者 郝飞 日前召开的中央财经委员会第六次会议提出，"纵深推进全国统一大市场建设"。 业内人士普遍认为，银行作为金融服务实体经济的重要力量，应通过多种创新举措助力企业摒弃低价无 序竞争，引导企业提升产品品质，为全国统一大市场建设注入强大动力。 金融精准赋能 低价无序竞争是困扰我国部分行业发展的顽疾之一。为争夺市场份额，部分行业企业不惜以牺牲利润甚 至产品质量为代价大打"价格战"。这种竞争模式不仅不利于企业长期发展，也扰乱了市场秩序，阻碍产 业升级和经济高质量发展。 为解决这一问题，银行业通过多种方式为企业摆脱低价无序竞争、优化商业环境提供支持。 一方面，银行业优化信贷资源配置，引导企业将资金投入技术创新和产品升级。例如，中国银行洛阳分 行推出"认证贷"产品，将企业质量认证结果与信贷额度挂钩。获得相关质量管理体系认证、服务认证等 资质的小微企业，最高可获2000万元信用贷款，且利率低于同类产品。这一机制通过"质量认证—信用 增信—融资支持—发展升级"闭环生态，将企业"软实力"转为"硬资产"，有效遏制通过降低品质换取低 价的短视行为。截至今年5月末，该分行已为近万家民营企业提供665亿元信贷支持，其中超30 ...

Core Viewpoint - The banking sector in A-shares is experiencing a significant dividend distribution period, with total dividends exceeding 630 billion yuan for 2024, marking an increase of 20 billion yuan compared to the previous year, and setting a new historical high [1][7]. Dividend Distribution Peak - As of July 11, 2024, A-share listed banks are in a peak dividend distribution phase, with both China Merchants Bank and Xi'an Bank distributing cash dividends on the same day [3]. - China Merchants Bank announced a cash dividend of 2.000 yuan per share, totaling approximately 50.44 billion yuan, with a dividend yield of about 5.7% based on a hypothetical stock price of 35 yuan [3]. - Xi'an Bank distributed 1 yuan for every 10 shares, amounting to 444 million yuan, which represents 17.37% of its net profit [4]. - On July 10, Beijing Bank and CITIC Bank also executed dividend distributions, with Beijing Bank distributing 0.2 yuan per share, totaling 4.23 billion yuan, and CITIC Bank distributing 0.1722 yuan per share, totaling 9.582 billion yuan [4][5]. Acceleration of Dividend Distribution - A total of 33 A-share listed banks have completed their 2024 annual dividend distributions, with five more having announced their dividend plans [6]. - Major state-owned banks like Industrial and Commercial Bank of China and Agricultural Bank of China have also announced their dividend distributions, with ICBC distributing 0.1646 yuan per share and ABC distributing 0.1255 yuan per share [6]. - The trend of earlier dividend distributions among major state-owned banks indicates a proactive approach to enhancing shareholder returns [6]. Mid-term Dividend Layout - In addition to the ongoing annual dividends, banks are also planning mid-term dividends for 2025, with several banks expressing intentions to enhance shareholder returns through mid-term distributions [9]. - Changsha Bank and Su Nong Bank have indicated plans to implement mid-term dividends based on their net profits, aiming to improve investor satisfaction [9]. - The trend towards mid-term dividends is expected to provide more stable cash flows for investors, supporting sustained stock price growth [13]. Market Outlook - Analysts predict that the decline in net profit and revenue for listed banks is expected to stabilize, with a projected year-on-year revenue decline of 0.9% and a net profit decline of 0.5% [14]. - The current market environment is viewed as the beginning of a long-term trend, with low interest rates and the revaluation of RMB assets serving as underlying logic for the ongoing market rally [15]. - The banking sector's stable profitability and dividend distribution are expected to attract long-term capital, reinforcing the investment value of banks with high dividend yields and solid asset quality [16].

四大行股息率逼近低位 大盘的连续突破，金融股功不可没，其中银行股是重中之重。 银行板块指数本周连续4日创历史新高，今年以来合计33次创历史新高。月K线上6个月收 红（包括7月），仅在2月微幅下跌0.55%，年内最高涨幅接近22%。 以下文章来源于e公司 ，作者证券时报 毛军 e公司 . e公司，证券时报旗下专注上市公司新媒体产品，立志打造A股上市公司资讯第一平台。提供7x24小时上市公司标准化快讯，针对可能影响上市公司股价的 主题概念、行业事件及时采访二次解读，从投资者需求出发，直播上市公司有价值的活动、会议。 本周，A股放量上攻，上证指数收复3500点，连续创年内新高，上证50、沪深300等也频频刷新年内高点，深证成指、创业板指等亦连创阶段性新高。成 交量快速放大，周五成交1.74万亿元，创3个月来新高，全周合计成交7.48万亿元，为近4个月最高。 在银行股连续上涨后，市场开始出现恐高情绪，部分投资者认为银行股股息率已处历史低位，估值已不具备优势，核心观点是四大行股息率已低于2015 年高位时的股息率。 截至本周五收盘，42家A股上市银行股息率中值为3.91%，四大行股息率均低于中值，具体是建设银行3.9% ...

Group 1 - The second China Bank Shandong Study Abroad Festival will take place from May to July 2025, featuring over thirty cross-border study service activities, reaching more than 100,000 people online and offline, and attracting over 3,000 students and parents [1] - The festival aims to create a reliable "one-stop" financial service for study abroad, with China Bank Shandong collaborating with leading study abroad institutions and deploying cross-border financial experts for face-to-face consultations [1] - The event has received positive feedback from participants, highlighting the benefits of selecting quality study abroad institutions and exclusive discounts for China Bank customers [1] Group 2 - China Bank, as one of the earliest foreign exchange and foreign trade banks in China, has integrated services for study abroad families into its core operations, with a global service network covering 64 countries and regions [2] - The bank provides professional and comprehensive financial services to nearly one million study abroad families annually, focusing on the top twenty cities with the highest concentration of study abroad students [2] - The Shandong branch will continue to deepen its study abroad financial services, offering more professional and efficient cross-border financial solutions to support students in their global educational pursuits [2]

点击上图▲立即收听 " 不论是中国和美国股市，它们的关键都在于三个点 ' 利率、风险偏好和企业利润 ' 。 文 / 巴九灵（微信公众号：吴晓波频道） 年少不知工行香，错把科技加满仓。 年少不知农行好，错把汽车当成宝。 年少不知中行醉，错把白酒当安慰。 年少不知建行强，错把芯片当栋梁。 当西方投资者为英伟达冲上 4 万亿美元市值而欢呼时，太平洋对岸的中国投资者，也迎来了自己的"银伟达"。 2025 年 7 月 9 日晚，全球芯片巨头英伟达股价触及 164.42 美元，总市值突破 4 万亿美元大关，创下历史纪录。 美国纽约证 券 交易大厅上显示英伟达公司 " 随后两个交易日， A 股银行板块持续走强， 工农中建四大行股价持续创下历史新高。 由于今年银行股的涨势过于疯狂，股民开始把 " 银行 " 与 " 英伟达 " 结合起来，将银行股称为 "银伟达" ，把上证指数叫作"银斯达克"。 在大金融的带领之下，上证指数成功突破关键点位，稳稳站上 3500 点大关，尽管在周五，早盘的过猛攻势导致银行板块有所回落，但"银伟达"的 迅猛势头依然牢牢吸引了市场的目光。 再说个冷知识， A股35年历史中，真正站稳过3500点就三次， ...

Group 1: Economic Growth and Consumer Finance - Consumption is a vital engine driving economic growth, linking economic development with everyday life [1] - China Bank Anhui Branch has launched a special action plan to boost consumer finance, focusing on financial innovation to enhance consumption [1] Group 2: Real Estate Market Support - The bank is actively supporting the real estate market by increasing personal housing loan issuance and optimizing mortgage policies [2] - As of June, the bank has connected with 63 "white list" projects, providing a credit limit of 18 billion yuan to stabilize the real estate market [2] Group 3: Consumer Market Activation - The bank has issued 20.7 billion yuan in personal consumer loans this year, serving over 94,000 customers, with non-housing consumer loans increasing by 46% year-on-year [3] - The bank has developed a multi-layered consumer finance service system, integrating various products to enhance consumer spending [3] Group 4: Innovation and Digital Transformation - The bank is driving innovation through digitalization and product innovation, improving service efficiency in housing loans [4] - The introduction of new consumer loan products related to the "old-for-new" policy has resulted in 2.1 billion yuan in loans issued [5] Group 5: International Payment Services - The bank has established the first overseas guest payment service center in the province, enhancing the convenience of international payment services [5] - The bank aims to deepen innovation and improve efficiency to better support the local economy and enhance the quality of life for residents [6]

Core Points - The Bank of China Beijing Branch has partnered with Alipay to launch a centralized tax refund service for international tourists in Beijing, allowing them to receive refunds instantly through Alipay [1][3] - The service enables tourists to use features like "tap" or "scan" to process tax refunds, enhancing their shopping experience by allowing refunds to be transferred directly to their Alipay wallets [3][4] - Since the launch of the centralized refund model, over 200 transactions have been processed for tourists from more than 30 countries and regions [4] Summary by Sections Partnership and Service Launch - The collaboration between the Bank of China Beijing Branch and Alipay aims to facilitate tax refunds for international visitors, making the process more efficient and user-friendly [1][3] - Tourists can now choose various methods to access their tax refund codes, including "tap," scanning, or searching directly in Alipay [3] Service Features and Benefits - The service allows tourists to receive tax refunds without the need for cash, thereby enriching their options and improving their overall shopping experience [3] - The refund period for the "immediate purchase and refund" service has been extended from 17 days to 28 days, providing more flexibility for travelers [3] Future Developments - The Bank of China Beijing Branch plans to further enhance its cross-border financial services by conducting in-depth research on traveler needs and innovating its offerings [4] - The initiative is expected to promote international tourism and consumption in Beijing, leveraging the bank's expertise in cross-border finance and payment solutions [4]

Group 1 - The core viewpoint of the articles emphasizes Sichuan Bank's efforts in enhancing cross-border financial infrastructure, focusing on security, efficiency, and digital transformation to support the internationalization of the Renminbi [1][2][3] Group 2 - Sichuan Bank has established a global cross-border payment service network that includes over 50 currencies, covering 187 countries and regions, and directly connecting to 90 local clearing systems, with a projected cross-border Renminbi settlement volume exceeding 87 billion yuan in 2024 [1] - The bank has received approval to set up a global cross-border Renminbi clearing backup center, creating a multi-center backup system to ensure the security of Renminbi internationalization [1] - The bank has implemented a three-tier emergency response model for cross-border payments, enabling rapid switching across all currencies and channels [1] - Sichuan Bank has launched the first digital currency bridge transaction in the province, utilizing blockchain technology for cross-border payments, achieving instant transactions with low costs and full transparency [2] - The bank provides comprehensive financial support for major projects, significantly reducing cross-border settlement times from 2-5 days to under 1 hour [2] - Sichuan Bank maintains the largest number of peer institutions and agency clearing scale in the province, enhancing cross-border settlement efficiency for clients [2] - The bank has developed inclusive financial products leveraging technology, such as "Zhongyin Xinhui Da" and "Zhongyin Overseas Student Remittance," to support overseas workers and students [2]

Group 1 - The core viewpoint of the articles highlights the proactive role of the Bank of China Ningbo Branch in supporting technology-driven enterprises through tailored financial products like "Sci-Tech Loan" [1][2] - The "Sci-Tech Loan" is designed specifically for specialized and innovative enterprises, providing convenient application processes, flexible credit limits, and diverse guarantee methods to address the financing challenges faced by these companies [2] - As of June 2025, the Bank of China Ningbo Branch has provided "Sci-Tech Loan" services to over 170 technology-oriented enterprises, with total credit support exceeding 1 billion yuan, facilitating the rapid development of small and micro technology enterprises [2] Group 2 - A technology enterprise in Ningbo has recently secured a comprehensive cooperation agreement with a major new energy vehicle company, leading to a surge in orders and subsequent liquidity pressure [1] - The Bank of China Ningbo Branch responded quickly to the financing needs of this enterprise by providing a credit line of 10 million yuan through the "Sci-Tech Loan" product, ensuring continued investment in research and development and capacity expansion [1] - Another high-tech packaging and printing enterprise, facing financial strain due to expansion and equipment upgrades, received a personalized financing plan from the Bank of China Ningbo Branch, which included a 10 million yuan credit approval to support its stable operation and development [1]