Core Viewpoint - The launch of the "Bank of China - UnionPay" Jinxiu China debit card in Frankfurt marks a significant step in enhancing cross-border payment convenience for key demographics, promoting the internationalization of the Renminbi, and spreading Chinese culture and image in Europe [1][2]. Group 1: Product Launch and Features - The "Bank of China - UnionPay" Jinxiu China debit card is designed to cater to business travelers, tourists, local residents, overseas Chinese, Chinese-funded enterprises, and students, providing convenient, safe, and cost-effective cross-border payment services [1]. - This product is the first of its kind to be introduced in Europe, aiming to improve payment convenience for those traveling to China [2]. Group 2: Market Trends and Demand - There is a growing trend among German consumers to use debit cards for high-value and frequent transactions, driven by the increase in cross-border payments and e-commerce demand [1]. - The expansion of China's visa-free travel policies is leading to a stronger willingness among foreign nationals to visit China and a rising demand for Renminbi payments [1]. Group 3: Strategic Importance - The Bank of China Frankfurt branch is the only Chinese bank in Germany authorized to conduct both corporate and personal business, as well as being a local Renminbi clearing bank, which positions it uniquely to enhance cross-border financial services [2]. - The collaboration with UnionPay leverages the global network advantages of UnionPay, further facilitating overseas consumption and travel for customers [1].

Core Viewpoint - The establishment of the EF account system in Hainan Free Trade Port facilitates cross-border capital flow, enhancing the efficiency and convenience for enterprises in international trade and investment [1][2]. Group 1: EF Account Overview - The EF account is a unified foreign and domestic currency account system established by banks in Hainan Free Trade Port, designed to streamline cross-border capital transactions [1]. - There are four types of EF accounts based on the account holder: EFE accounts for domestic institutions, EFN accounts for overseas institutions, EFF accounts for overseas individuals, and EFU accounts for domestic and foreign financial institutions [1]. Group 2: Benefits for Enterprises - Enterprises can complete cross-border fund transfers with just a payment instruction, eliminating the need for extensive documentation and approval processes, thus lowering operational costs [2]. - The EF account supports multiple currencies, including USD, EUR, and JPY, allowing enterprises to choose between onshore and offshore exchange rates for better financial management [2]. Group 3: Efficiency and Growth - The EF account has significantly improved the efficiency of cross-border transactions, reducing processing time from 1-2 days to 2-3 hours [3]. - As of August 2025, the number of cross-border settlement transactions has doubled compared to the previous year, with a notable increase in offshore trading activities [3]. Group 4: Future Prospects - The EF account will continue to provide robust financial support for higher levels of openness in Hainan Free Trade Port, adapting policies to meet the diverse financial needs of enterprises engaged in international trade [4].

Core Viewpoint - The article highlights the significant growth and support of agricultural financing by the Bank of China in Guangdong, showcasing various loan programs aimed at enhancing agricultural production and promoting rural revitalization [2][12][35]. Group 1: Agricultural Financing - The balance of agricultural loans from the Bank of China in Guangdong exceeded 214.4 billion yuan, with an increase of over 30.6 billion yuan since the beginning of the year, reflecting a growth rate of 16.7% as of August 2025 [2]. - The Bank of China has provided over 20 billion yuan in credit for seedling planting as of August 2025 [8]. - The Bank of China has extended over 30 billion yuan in credit support for the poultry and livestock breeding industry [15]. Group 2: Specific Agricultural Projects - The Jiangnan Fruit and Vegetable Wholesale Market, the largest agricultural distribution center in South China, handles an average daily transaction volume of 6.77 million kilograms of fruit [4]. - The Bank of China in Guangzhou has provided over 87 million yuan in credit support for merchants in the Jiangnan Fruit and Vegetable Market [5]. - The Bank of China has issued over 70 million yuan in loans for the lychee industry in Maoming, contributing to the establishment of a 10 billion yuan modern agricultural industry cluster [7]. Group 3: Regional Agricultural Highlights - The rice produced in Taishan is recognized for its quality, with an annual output of 148,600 tons and a production value of 510 million yuan [10]. - The Bank of China has supported grain enterprises in Taishan with a loan balance exceeding 200 million yuan, with an increase of 18.38 million yuan since the beginning of the year [11]. - The chicken industry in Qingyuan has an annual output of 158 million birds, with a total industry value exceeding 11.1 billion yuan [13]. Group 4: Innovative Financing Solutions - The Bank of China has introduced customized credit products and comprehensive services for the oil tea industry in Heyuan, providing over 50 million yuan in credit support [21]. - The Bank of China has provided over 10 billion yuan in credit for the gold eel industry in Zhanjiang, supporting high-quality development [31]. - The Bank of China has extended over 5.5 billion yuan in credit for the entire marine ranching industry chain, promoting infrastructure upgrades and technological advancements [33].

Core Insights - The successful implementation of the cross-border financial service platform has provided diversified and convenient financing channels for foreign-related enterprises in Liu'an, effectively alleviating the financing difficulties and high costs faced by small and micro enterprises [2][3] - The China Bank Liu'an Branch has actively responded to the call for financial services to the real economy, achieving over 20 applications in cross-border financial service scenarios with a cumulative financing amount of 50 million yuan since 2025 [2] - The platform utilizes advanced blockchain technology to establish an online communication bridge for bidirectional financing selection, addressing the previous information asymmetry between banks and enterprises [2] Company Actions - The Liu'an Branch of China Bank has formed a professional service team and optimized internal business processes to provide efficient full-process services from application to loan disbursement for enterprises [2] - The local foreign exchange management bureau has played a proactive role by enhancing policy promotion and business training, guiding financial institutions to expand their business, and conducting in-depth research to understand the financing needs and challenges of enterprises [2] Future Plans - Moving forward, the China Bank Liu'an Branch plans to deepen innovation in cross-border financial services and increase business promotion efforts, aiming to allow more enterprises to benefit from policy dividends and contribute to the high-quality development of Liu'an's foreign-related economy [3]

Core Viewpoint - The conference highlighted the critical role of finance in supporting sustainable development, emphasizing the integration of ESG risk management into the banking sector's overall risk management framework to address climate risks [1][4]. Group 1: Sustainable Development in China's Financial Sector - China's financial industry has shown significant commitment to sustainable development, with a clear strategic direction and consistent practices [2]. - The scale of green loans in China has surpassed 40 trillion yuan, maintaining a year-on-year growth rate of over 20% for the past five years, positioning China as the global leader in this area [2]. - China has also emerged as a major player in the green bond market, ranking first in issuance volume for 2022 and 2023, and is the second-largest market for green bonds globally [2]. Group 2: Carbon Finance and Market Development - China has established the world's largest carbon market, covering approximately 8 billion tons of carbon emissions across key industries, which is six times larger than the EU's carbon market [3]. - The financial sector is actively developing carbon financial products such as carbon pledge financing, carbon repurchase, and carbon bonds to support enterprises in their low-carbon transitions [3]. - China's green finance initiatives are gaining international recognition, with several green finance standards led or participated by China being widely accepted [3]. Group 3: ESG Risk Management Integration - The banking sector has incorporated ESG risk management into its comprehensive risk management system to enhance the identification and management of climate risks [4][5]. - Key strategies include promoting a green low-carbon asset structure, integrating climate risk factors throughout the business process, and conducting climate risk stress tests to assess risk tolerance [5][6]. - The future focus for the banking industry includes supporting the establishment of zero-carbon industrial parks, which aim to minimize carbon emissions to near-zero or net-zero levels [6].

该企业货物贸易跨境结算月均货物贸易5笔，但金额大、涉及订单多，资金入账需提供众多单据佐证背 景，企业急需提高资金入账效率。该企业作为优质诚信企业，中行为其货物贸易跨境结算提供了简化单 证审核便利化措施，企业货款可直接凭指令叙做，配套签约中行的汇入汇款直入账，符合条件的款项可 直接入账，资金效率大幅提升。 该企业为扩大其销售市场，会同境外客户寻找客源，与之相应地产生了系列境外佣金、劳务费等支出。 针对企业的汇款需求，中行为其配套签约了电子审单、网银汇出汇款等线上便利化产品，企业的境外汇 款业务可直接通过网银线上发起，无需临柜办理，大大降低了企业的"脚底成本"，提升了资金周转效 率。 随着外汇管理领域"放管服"改革持续深化，各类惠企、便利化政策陆续出台，传统外贸模式向线上化、 数字化转型已是必然。中国银行淄博分行通过创新便利化+措施，对普遍性涉外主体提供"一站式""零接 触""效率高"的服务，持续提升外汇业务服务质量，助力外贸企业实现绿色发展。 该企业为外商投资企业，企业经营稳健，经营收益稳中向好，每年企业均会向境外股东分配利润。中行 在充分了解客户真实需求的基础上，提前梳理利润分配材料清单，企业可参考银行提供的 ...

Core Viewpoint - The Shandong Branch of Bank of China is actively promoting consumer rights protection and financial education through a series of initiatives, emphasizing the importance of safeguarding financial rights and enhancing the quality of life for consumers [1] Group 1: Financial Education Initiatives - The Shandong Branch has launched a "September Concentrated Education and Promotion Week" with 480 financial education teams engaging in various local activities to promote financial literacy [1] - Activities are tailored to local characteristics, with a focus on port cities like Rizhao, Yantai, and Weihai, addressing specific industry needs such as logistics and marine economy [2] - The bank is conducting targeted financial education in fishing villages, teaching fishermen about savings and investment strategies to protect their earnings [2] Group 2: Community Engagement and Collaboration - Local branches are encouraged to collaborate with regulatory bodies to host financial education events, enhancing community engagement through performances and interactive sessions [3] - The bank is utilizing a "grid-based" approach to reach various commercial areas, educating the public on common scams and promoting rational investment concepts [3] - In rural areas, the bank is using local dialects and informal settings to deliver anti-fraud education, making financial literacy accessible to all [4] Group 3: Innovative Outreach Methods - The bank is integrating financial education with the back-to-school season, launching initiatives like the "First Lesson of School" to educate students on financial safety and fraud prevention [5] - Collaborations with local media have been established to broadcast financial education programs, enhancing public awareness and trust in financial institutions [6] - The bank aims to continuously improve its outreach methods, ensuring that financial education is impactful and resonates with the community [6]

Core Viewpoint - China Bank announced the full redemption of its 10-year fixed-rate subordinated capital bonds, originally issued on September 17, 2020, with a total scale of 60 billion RMB [1] Group 1 - The bonds were issued with a redemption option for the issuer, allowing China Bank to redeem the bonds at the end of the fifth interest period [1] - The announcement regarding the completion of the bond issuance was made on September 21, 2020 [1] - As of the announcement date, the bank has exercised its redemption right and fully redeemed the bonds [1]

中国银行股份有限公司董事会及全体董事保证本公告内容不存在任何虚假 记载、误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承担法 律责任。 证券代码：601988 证券简称：中国银行 公告编号：临 2025-070 中国银行股份有限公司 关于赎回二级资本债券的公告 2020 年 9 月 17 日，中国银行股份有限公司（简称"本行"）发行了 10 年期固定利率规模为 600 亿元人民币的减记型二级资本债券（简称"本 期债券"），并于 2020 年 9 月 21 日发布了《中国银行股份有限公司关于二 级资本债券发行完毕的公告》（公告编号：临 2020-041）。根据本期债券 募集说明书相关条款的规定，本期债券设有发行人赎回权，发行人有权在 本期债券第五个计息年度的最后一日（因遇休息日，资金兑付顺延至其后 第一个工作日）赎回本期债券。 截至本公告日，本行已行使赎回权，全额赎回了本期债券。 特此公告 中国银行股份有限公司董事会 二〇二五年九月二十三日 ...

Company Overview - Bank of China, established in 1912, is the longest-operating bank in China, having served various roles including central bank and international trade bank [2] - It operates in 64 countries and regions, offering a comprehensive financial service system that includes corporate finance, personal finance, investment banking, and asset management [2] Green Finance Initiatives - In 2025, Bank of China assisted the Ministry of Finance in issuing 6 billion RMB green sovereign bonds in London, marking the first issuance under the "Green Sovereign Bond Framework" [3] - The bank acted as the lead underwriter for the first green credit bond in the country and issued the world's first green bond compliant with both EU standards and international market principles [3] - Bank of China is actively involved in global climate governance and has participated in various green and ESG-related initiatives, contributing to the development of standards and research [3] Sustainability Efforts - The bank is advancing the construction of green branches and data centers, with a carbon neutrality plan for major office buildings by 2024 [4] - As of June 2025, the balance of green loans reached approximately 4.54 trillion RMB, reflecting a year-on-year growth of 16.95%, with green bond investments exceeding 100 billion RMB [4] - The total carbon emissions from 39 major office buildings were reduced by 49.24% to 125,700 tons of CO2 equivalent in 2024, achieving operational carbon neutrality by the end of 2024 [4] Expert Commentary - Bank of China is leading the green finance trend with its "Green + BOC" initiative, seizing opportunities in the dual carbon goals and demonstrating the power of sustainable finance in driving high-quality development [5]