"0首付""0利率""0元换新"……在诸多政策利好作用下，汽车金融市场竞争愈发激烈。中国证券报记者 日前走访北京地区多家汽车4S店发现，银行、汽车金融公司等金融机构抓住汽车销售旺季，携手燃油 汽车与新能源汽车厂商，从降低购车成本与简化贷款流程入手，抢夺汽车金融市场。激烈竞争下，市场 上甚至出现了"0首付+0利率"的超常规金融方案。 销售人员为她提供了首付3.98万元、贷款35万元的车贷方案。夏女士表示，对比了全款购车与多种贷款 方案后，这家4S店与中国银行等合作的"购车补贴+低首付+长贷短还"的金融方案最让她心动。 记者走访多家汽车4S店发现，类似的车贷优惠还有不少。在北京地区某奔驰4S店内，电子大屏上播放 着"轻松开新车"奔驰汽车金融特惠方案。针对奔驰旗下不同车型，这家店可提供0首付0年利率起、0首 付年利率0.99%(约合年费率0.6%)起、0首付年利率1.99%(约合年费率1.1%)等汽车金融方案。 不仅是与传统品牌汽车厂商合作，在新能源汽车市场占有率持续提升的当下，金融机构也加大了与新能 源汽车厂商合作的力度，贴息推出低首付、低利率金融方案，不断丰富消费者的贷款购车选项。 "首付20%起，限时金融2年 ...

"0首付""0利率""0元换新"……在诸多政策利好作用下，汽车金融市场竞争愈发激烈。中国证券报记者 日前走访北京地区多家汽车4S店发现，银行、汽车金融公司等金融机构抓住汽车销售旺季，携手燃油 汽车与新能源汽车厂商，从降低购车成本与简化贷款流程入手，抢夺汽车金融市场。激烈竞争下，市场 上甚至出现了"0首付+0利率"的超常规金融方案。 "12月是冲销量的关键月份，车企会联合金融机构，加大汽车消费优惠力度。"多位汽车4S店销售人员告 诉记者。事实上，银行年末冲刺车贷业务并非新鲜事，但今年的力度尤为明显。某国有大行相关负责人 向记者坦言，银行此举既是对自身业绩冲刺的需要，更是为应对信贷市场变化进行战略布局。 汽车消费作为大宗消费的重要组成部分，具有需求稳定、场景明确、风险可控等优势，尤其是新能源汽 车市场快速增长，为金融机构汽车金融业务提供了新的增长空间。然而，当金融回归服务本质，金融机 构能否告别"价格战"迷思，找到健康增长的业务新引擎？ ● 本报记者 张佳琳 让利抢市场 "前段时间，这款车要价52.98万元，现在贷款购买能直接优惠14万元，而且有'贷5还2'的车贷政策，即 贷款5年，2年后就能提前还款。"在北京市 ...

（1）在恢复中国建设银行股份有限公司、中国银行股份有限公司、平安银行股份有限公司办理宝盈货 币市场证券投资基金非个人投资者的申购（转换转入及定期定额投资）业务期间，本基金在其他销售机 构的非个人投资者将继续暂停申购（转换转入及定期定额投资）业务，对于非个人投资者提交的申购 （含转入和定投）申请，本基金管理人有权拒绝。 （2）根据此前公告，本基金对于个人投资者申购（含转换转入、定期定额投资）限制金额依然为5000 万元，具体限制规则为：单日单个基金账户累计申购（含转换转入及定期定额投资）本基金份额的最高 金额为5000万元（含），累计申请金额等于或低于上限的，全部确认成功；如单日单个基金账户累计申 购（含转换转入及定期定额投资）本基金份额的金额超过5000万元，本基金管理人有权拒绝该类份额的 申请。 （3）在本基金暂停部分销售机构办理非个人投资者的申购（含转换转入、定期定额投资）业务期间， 本基金的赎回及个人投资者的大额申购等其他业务正常办理。取消或调整上述申购、转换转入、定期定 额投资等业务限制的具体时间将另行公告。 公告送出日期：2025年12月24日 1 公告基本信息 ■ 注：自2025年12月24日起， ...

近年来，在烟台市委、市政府和监管部门的坚强领导下，中国银行烟台分行深入贯彻落实国家"双碳"战 略，始终将发展绿色金融作为服务实体经济、践行社会责任的重要抓手，持续加大绿色信贷投放力度， 全力支持烟台绿色低碳高质量发展。 （通讯员 潘逢源 张艳玲） 锚定双碳目标，继续贡献力量，擘画绿色金融新篇章。一是强化联动协同，降本提质增效。加强与市财 政局、发改委联动，建立绿色项目库，精准服务，确保政策红利直达企业。对烟台市重点企业、重点项 目加大绿色信贷支持力度，对符合条件的项目"应贷尽贷"，进一步降低企业融资成本。二是强化政策引 领，优化资源配置。紧跟国家和地方绿色发展战略，进一步细化绿色信贷政策，明确支持重点和准入标 准。加大对绿色产业的资源倾斜力度，确保绿色信贷额度充足，优先满足优质绿色项目的融资需求。未 来三年，重点支持绿色制造、绿色交通、清洁生产、节能环保等清洁能源产业发展，助力烟台打造千万 千瓦级新能源基地。三是聚焦关键领域，支持核心项目。持续加大绿色金融支持力度，完善绿色金融产 品和服务绿色低碳发展。制定国家级、省级水网先导区建设项目营销攻坚方案，开通绿色审批通道，为 水利行业相关企业和项目提供涵盖交易、融 ...

Core Viewpoint - The Yunnan branch of the Bank of China is actively implementing financial education initiatives aimed at rural areas, focusing on consumer rights protection and enhancing financial literacy among rural residents [1][5]. Group 1: Financial Education Initiatives - The Yunnan branch has launched the "Financial Knowledge into Villages" campaign to promote financial education and consumer rights protection in rural areas [1][5]. - Various branches have set up mobile promotion stations and utilized local dialects to explain practical financial knowledge, including fraud prevention and agricultural credit [1][2]. - The campaign aims to address the urgent financial needs of villagers and effectively bridge the gap in financial knowledge dissemination [1][2]. Group 2: Targeted Outreach and Engagement - The campaign extends beyond traditional villages to include markets and enterprises, targeting specific groups such as middle-aged vendors and employees to raise awareness about financial risks [2]. - Educational activities in schools focus on cultivating financial safety knowledge among youth, enhancing their understanding of financial risks from an early age [2]. Group 3: Innovative Communication Methods - The use of local minority languages in financial education has improved the accessibility and relatability of the information provided, fostering a deeper connection with the community [3]. - Real-life case studies of scams and frauds are employed to make abstract legal concepts more tangible and relatable, significantly enhancing the educational impact [3]. Group 4: Practical and Relevant Content - The content of the financial education activities is closely aligned with the actual needs of rural communities, promoting concepts like creditworthiness and the importance of maintaining good credit records [4]. - The campaign also addresses specific financial products and services relevant to rural residents, aiming to strengthen their ability to resist financial fraud and scams [4]. Group 5: Future Directions - The Yunnan branch plans to continue refining its financial consumer education efforts, aiming for a more systematic and effective approach to financial knowledge dissemination in rural areas [5][6].

国家知识产权局信息显示，中国银行股份有限公司取得一项名为"一种判断信息异常修改的方法及装 置"的专利，授权公告号CN115146957B，申请日期为2022年7月。 天眼查资料显示，中国银行股份有限公司，成立于1983年，位于北京市，是一家以从事货币金融服务为 主的企业。企业注册资本29438779.1241万人民币。通过天眼查大数据分析，中国银行股份有限公司共 对外投资了16家企业，参与招投标项目5000次，财产线索方面有商标信息1472条，专利信息5000条，此 外企业还拥有行政许可255个。 声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 来源：市场资讯 ...

Core Viewpoint - Postal Savings Bank of China announced the integration of its independent credit card app into the main Postal Bank app, marking a shift in strategy as the bank aims to enhance user experience and reduce operational costs [1][6]. Group 1: App Integration and User Transition - The independent "Postal Credit Card App" will gradually cease updates, with all functionalities migrating to the "Postal Bank App" [1][6]. - As of November 15, the bank had already suspended new user registrations and card activations for the independent app, offering incentives such as 228 yuan in discounts to facilitate user transition [2][7]. - This move follows a trend among major state-owned banks, with Bank of China having already closed its independent credit card app in September [2][7]. Group 2: Market Trends and Regulatory Environment - The closure of independent credit card apps reflects a broader industry trend as banks shift from high-growth strategies to focusing on existing customer bases amid rising customer acquisition costs [2][3]. - Regulatory guidance from the National Financial Supervision Administration emphasizes the need for financial institutions to optimize or terminate low-activity apps, promoting a "less is more" approach [2][3]. Group 3: Structural Adjustments in Banking - Experts suggest that the integration is driven by the need to reduce costs and improve user experience, as the profitability of credit card services has been declining [3][8]. - Several banks have restructured their credit card divisions, indicating a shift in organizational strategy to enhance service efficiency [3][8]. Group 4: Product Strategy Changes - The issuance of co-branded credit cards has significantly decreased, with major banks halting nearly 100 co-branded cards due to high costs and low user engagement [4][9]. - Credit card benefits are also being reduced, with at least eight banks adjusting their offerings in various sectors, reflecting a reevaluation of cost-effectiveness [4][9]. Group 5: Market Dynamics and Future Outlook - The credit card market is undergoing structural adjustments, with the total number of credit cards in China decreasing to 707 million by the end of Q3 2025, down by 20 million from the beginning of the year [10]. - The industry is transitioning from "incremental expansion" to "deep cultivation of existing customers," focusing on efficiency, user experience, and sustainable development [5][10].

12月21日下午，由上海国有资本投资有限公司与上海交通大学联合主办的"上海交大 未来产业科 创策源大会"在大零号湾上海交通大学闵行校区成 功举办。 来源：孚腾资本 每日｜荐读 论坛： 新一批敲钟人，已在路上 荐读： 重新发现香港：科创时代的新蓝图 榜单： 全国首只AIC产业母基金来了 热文： 投资人"忙疯了" 会上，上海国投孚腾资本汇报了上海交大大零号湾科技创新基金阶段性工作报告，该基金于2024年12月27日正式开展投资运营，充分发挥上海交大 校方的学科优势及国投的产业资源，覆盖早期科技成果转化项目，基金部分投资收益将反哺学校，用于支持科研、人才培养与创新孵化，着力构建可 持续发展的创业生态。目前，已成功投资了10个由顶尖学者领衔的"交大系"优质项目，投资方向覆盖集成电路、生物医药、人工智能、高端装备、 先进材料等前沿领域，为科技成果转化注入强劲动能。 仪式环节中，由上海交大、上海国投公司、中国银行上海分行等共同参与的"科创雨林创新生态计划"、"上海交大未来产业母基金二期"相继启动， 多方将共同合作，加速提升科技成果转化活跃度及技术转移能力，形成全面创业创新氛围，打造高校创新生态圈。 ...

原标题：中国银行、建设银行、工商银行、农业银行、交通银行、邮储银行，集体调整！ 每经编辑|杜宇 近期，临近年末，市民们的投资储蓄需求增加，但是部分市民发现，市场上的中长期存款产品有所减少。这是怎么回事？ 图片来源：视觉中国-VCG211390665395 最近，家住北京朝阳的万女士拿到年终奖，计划配置5年期大额存单，但是查询多家银行也没有选到合适产品。 据央视财经，记者查询工、农、中、建、交、邮储六大国有银行的App发现，五年期大额存单已不显示，三年期相关产品的利率普遍降到1.5%至1.75%。 此外，部分中小银行也开始密集调整存款业务。梅州客商银行近期公告已下架五年期定期存款产品，亿联银行等机构App也已不显示五年期大额存单。 据金融时报，回溯来看，5年期大额存单的退出并非突然之举。以中国银行为例，今年5月20日，中国银行曾在官网公开发布了《关于发售2025年第一期个人 大额存单的公告》，包括1个月、3个月、6个月、1年、2年、3年、5年共计七个期限。其中，3年期、5年期大额存单产品利率分别为1.55%、1.6%，但明确 标注"仅面向特定客户发售"。而如今记者查询发现，目前中国银行在售的产品列表中，已没有5 ...

Core Viewpoint - The recent decrease in medium to long-term deposit products in the market is attributed to banks' responses to the ongoing decline in net interest margins, leading to a reduction in the availability of five-year large certificates of deposit (CDs) and lower interest rates on three-year products [3][5][6]. Group 1: Market Trends - There is a noticeable reduction in the availability of five-year large CDs among major banks, with interest rates for three-year products dropping to between 1.5% and 1.75% [3]. - Smaller banks are also adjusting their deposit offerings, with some, like Meizhou Commercial Bank, announcing the removal of five-year fixed deposit products [5]. - The trend of withdrawing long-term deposit products is not limited to national banks but is also seen in local and private banks [5]. Group 2: Banking Sector Implications - The withdrawal of long-term deposit products is a necessary response to the challenges posed by declining bank net interest margins, as banks face significant risks of interest margin losses if they do not eliminate high-interest long-term products [5]. - Analysts suggest that this shift will enhance the certainty of banks' profit expectations, particularly benefiting large banks with low-cost liabilities and high dividend yields, making them more attractive to long-term investors [6]. - The reduction in deposit rates may lead to a "deposit migration" effect, where funds move from the banking system to capital markets, potentially increasing liquidity in stocks, bonds, and funds, which could positively impact direct financing markets [6].