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].

智通财经APP获悉，香港联交所最新资料显示，12月22日，微创心通-B(02160)股东将股票存入中国银行 (香港)，存仓市值3.60亿港元，占比5.23%。 董事会决议设立董事会下设的战略委员会，自2025年12月15日起生效。设立战略委员会旨在就公司长期 发展战略及重大发展决策进行研究并提出建议。战略委员会由六位成员组成，包括Brian Chang 博士、 陈国明先生、张瑞年先生、Philippe Wanstok先生、邓奥弋先生及胡冰山博士，其中Brian Chang博士担 任主席。 此外，董事会决议设立董事会下设的商业化委员会，自2025年12月15日起生效。设立商业化委员会旨在 进一步优化公司商业化体系的规划与执行，充分发挥商业化委员会的指导作用，有效提升公司各产品在 商业化阶段的市场竞争优势。商业化委员会由五位成员组成，即陈国明先生、Brian Chang博士、张瑞 年先生、Philippe Wanstok先生及吴夏女士，其中陈国明先生担任主席。 微创心通发布公告，自2025年12月15日起生效：非执行董事兼董事会主席陈国明先生已获委任为审核委 员会成员，并不再担任薪酬委员会成员及提名委员会主席。独 ...

香港联交所最新资料显示，12月22日，微创心通-B(02160)股东将股票存入中国银行(香港)，存仓市值 3.60亿港元，占比5.23%。 董事会决议设立董事会下设的战略委员会，自2025年12月15日起生效。设立战略委员会旨在就公司长期 发展战略及重大发展决策进行研究并提出建议。战略委员会由六位成员组成，包括Brian Chang博士、 陈国明先生、张瑞年先生、Philippe Wanstok先生、邓奥弋先生及胡冰山博士，其中Brian Chang博士担 任主席。 此外，董事会决议设立董事会下设的商业化委员会，自2025年12月15日起生效。设立商业化委员会旨在 进一步优化公司商业化体系的规划与执行，充分发挥商业化委员会的指导作用，有效提升公司各产品在 商业化阶段的市场竞争优势。商业化委员会由五位成员组成，即陈国明先生、Brian Chang博士、张瑞 年先生、Philippe Wanstok先生及吴夏女士，其中陈国明先生担任主席。 微创心通发布公告，自2025年12月15日起生效：非执行董事兼董事会主席陈国明先生已获委任为审核委 员会成员，并不再担任薪酬委员会成员及提名委员会主席。独立非执行董事胡冰山博士 ...

大型蓝筹股涨跌不一，汇丰控股收报122.506港元，较香港收市升0.99%；腾讯控股收报614.085港元，较香港收市跌0.07%。 | 序号 名称 | | 港股代码 | 最新价 | 涨跌额 | 涨跌幅 | ADR代码 | ADR换算价 | 较港股升跌 | 较港股升跌% | ADR | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 1 | 腾讯控股 | 9 00700 | 614.500 | +0.500 | 0.08% | TCEHY | 614.085 | -0.415 | -0.07% | 7 | | 2 | 阿里巴巴-W | 09988 | 146.400 | +1.100 | 0.76% | BABA | 146.811 | +0.411 | 0.28% | 15 | | 3 | 汇丰控股 | 00005 | 121.300 | +2.000 | 1.68% | HSBC | 122.506 | +1.206 | 0.99% | 7 | | 4 | 建设银行 | 00939 | 7.540 | +0.050 ...

山东省烟台市公安局高新技术产业开发区分局在侦办"117"开设赌场案时，依法查明招商银行 6214836558334666等6个银行账户并非户主本人使用，账户内的资金与户主无关。请上述银行账户的实 际使用人或者账户内资金的实际所有人自公告之日起六个月内持有效身份证件及证明材料到山东省烟台 市公安局高新技术产业开发区分局配合调查，确实与案件无关的，依法予以发还，逾期无人认领的，公 安机关将依法上缴国库。联系人：宋警官，联系电话：0535-6922721。特此公告。 附：《银行账户明 细》 烟台市公安局高新技术产业开发区分局 2025年12月23日 银行名称及账号如下： 招商银行： 6214836558334666；民生银行：6226220635367260；农业银行：6228480086518059174、 6228430339414336373；工商银行：6212261909002724889；中国银行：6217850500025909387。 转自：法治日报 （来源：法治日报） ...

Core Insights - The Bank of China Jining Branch focuses on financing needs in key areas for small and micro enterprises, significantly increasing financial support [1] - As of November 28, the branch's inclusive small and micro loans exceeded 9 billion, effectively providing targeted financial support to numerous enterprises [1] Group 1: Product Innovation - The bank has enriched its product offerings this year, launching several innovative loan products such as "Housing Credit Increase Loan" and "Veteran Entrepreneurship Guarantee Loan," which are the first of their kind in the province [1] - These initiatives effectively broaden financing channels for enterprises and alleviate financing bottlenecks for specific customer groups [1] Group 2: Focus on Technological Innovation - The bank has increased investment in technology finance to support the development of new productive forces, providing robust financial backing for small and micro tech enterprises [1] - It has successfully launched the "Bank of China Tech Innovation Credit Loan" and "Quick Loan for Tech Enterprises," marking the first issuance of these products in the province [1] Group 3: Service Expansion - The bank is deepening its focus on unique scenarios, continuously enriching its customer base by exploring business innovations [1] - It has introduced a service plan called "Jinxiang Garlic Loan" to support agricultural development, effectively expanding financial service coverage for small and micro market entities [1] Group 4: Future Commitment - The bank plans to implement more robust and heartfelt service measures to empower the development of small and micro market entities, contributing to the high-quality development of the local real economy [2]

Group 1 - The core viewpoint of the articles highlights the innovative financial services being developed in Jining to support the digital economy, particularly through data asset financing [1][2][4] - Jining's Postal Savings Bank successfully issued a 5 million yuan loan using the data intellectual property of Shandong Zhuolang Testing Co., marking a significant milestone in data asset financing [2] - An agricultural technology company in Liangshan secured 11 million yuan in credit by pledging its unique data assets related to cattle breeding, showcasing the potential of data assets in traditional industries [2] Group 2 - Longgong Port has transformed into the first fully automated inland container port in China, supported by a syndicate loan from multiple banks, enabling the completion of smart berth construction and a fully automated operation system [3] - Jining is recognized as a provincial digital economy innovation development pilot zone, fostering a mature digital economy ecosystem that supports the growth of digital financial services [3][4] - As of October 2023, Jining's digital economy industry loan balance reached 6.738 billion yuan, reflecting a year-on-year increase of 2.568 billion yuan and a growth rate of 61.57%, the highest in the province [4]

12月22日金融一线消息，国家金融监督管理总局榆林监管分局行政处罚信息公开表显示，中国银行股份 有限公司榆林分行因贷款三查执行不到位，被罚款二十五万元。 责任编辑：王馨茹 12月22日金融一线消息，国家金融监督管理总局榆林监管分局行政处罚信息公开表显示，中国银行股份 有限公司榆林分行因贷款三查执行不到位，被罚款二十五万元。 | 序 | 当事人名称 | 行政处罚 决定书文 | 主要违法 | 行政处 | 作出决 | | --- | --- | --- | --- | --- | --- | | 흡 | | | 违规行为 | 罚内容 | 定机关 | | | | ने | | | | | | | | | | 国家金 | | | 中国银行股 | 榆会监罚 | 贷款三查 | 罚款二 | 融监督 | | | | 决字 | | | 管理总 | | | 份有限公司 | | 执行不到 | 十五万 | | | | | (2025) | | | 局榆林 | | | 榆林分行 | | 位 | 元 | | | | | 19号 | | | 监管分 | | | | | | | 局 | | 序 | 当事人名称 | 行政处罚 决定书文 | 求要 ...

Group 1 - The "Shanghai Jiao Tong University Future Industry Innovation Conference" was successfully held, focusing on technology sourcing and capital empowerment, with over a hundred guests including academicians, industry leaders, and financial capital representatives [1] - The Shanghai Jiao Tong University Dazero Bay Technology Innovation Fund is set to officially commence investment operations on December 27, 2024, leveraging the university's academic strengths and state-owned investment resources to support early-stage technology commercialization projects [1] - The fund has already successfully invested in 10 high-quality projects led by top scholars in fields such as integrated circuits, biomedicine, artificial intelligence, high-end equipment, and advanced materials, injecting strong momentum into technology commercialization [1] Group 2 - The "Innovation Ecosystem Plan" and the "Shanghai Jiao Tong University Future Industry Mother Fund Phase II" have been launched to enhance the activity of technology commercialization and technology transfer capabilities, fostering a comprehensive entrepreneurial and innovative atmosphere [2] - An award ceremony was held to recognize outstanding companies in smart technology, life health, and new energy sectors, highlighting their innovative capabilities [2]

石油石化股方面，中国石油化工股份跌0.44%，收报4.51港元；中国石油股份跌0.12%，收报8.08港 元；中国海洋石油涨2.06%，收报20.8港元。 【纠错】 【责任编辑:吴京泽】 蓝筹股方面，腾讯控股涨0.08%，收报614.5港元；香港交易所无升跌，收报407港元；中国移动跌 0.24%，收报83.7港元；汇丰控股涨1.68%，收报121.3港元。 香港本地股方面，长实集团跌0.3%，收报40.02港元；新鸿基地产涨0.05%，收报95.55港元；恒基 地产跌0.2%，收报29.22港元。 中资金融股方面，中国银行跌0.45%，收报4.4港元；建设银行涨0.67%，收报7.54港元；工商银行 涨0.16%，收报6.13港元；中国平安跌0.31%，收报65.25港元；中国人寿跌1.11%，收报28.48港元。 新华社香港12月22日电 香港恒生指数22日涨111.24点，涨幅0.43%，收报25801.77点。全日主板成 交1697.77亿港元。 国企指数涨38.45点，收报8939.68点，涨幅0.43%。恒生科技指数涨47.79点，收报5526.83点，涨幅 0.87%。 ...