极目新闻通讯员 沈莹 为切实保障客户财产安全，中国银行武汉东湖分行特此发布风险提示，提醒广大客户，尤其是老年客户 群体，在享受线上金融服务便利的同时，务必要提高风险防范意识：谨慎操作，避免误选：在进行线上 操作，特别是涉及金融服务时，务必仔细阅读各项条款，尤其是关于授权扣款、自动续费等关键内容， 切勿因疏忽大意而误勾选相关选项，从源头上规避资金损失风险。定期核查，掌握动态：养成定期查看 账户交易明细的良好习惯，及时、全面地掌握资金变动情况。一旦发现异常交易，应立即联系银行或相 关机构进行核实处理，做到早发现、早干预。提高警惕，谨防诈骗：对包含"社保升级""免费领保障"等 字样的营销短信、链接保持高度警惕，切勿随意点击或回复。如需办理社保业务、了解政策信息，务必 通过官方渠道核实真伪，切勿轻信不明来源信息，防止落入诈骗陷阱。 中国银行武汉东湖分行将持续关注老年客户群体的金融服务需求，不断加强风险防范宣传与服务保障工 作，全力守护客户的每一分资金安全。也呼吁广大市民朋友，多向身边的老年亲属普及线上金融风险防 范知识，共同筑牢金融安全防线。 （来源：极目新闻） 在数字化服务全面渗透生活的当下，线上金融服务的便捷性为 ...

值得注意的是，四大行此次定向增发对A股市场具有重要的标杆意义，成为破净股定向增发的典型 案例。长期以来，破净股的股权再融资一直是资本市场的难点问题，特别是涉及国有股的上市公司。由 于定向增发价格原则上不得低于每股净资产值，否则可能涉及国有资产流失和股东权益受损等问题，这 使得破净股的再融资推进难度较大。通常只有少数公司的大股东或特定对象，基于对公司未来发展前景 和投资价值的认可，才会以高于市价且不低于每股净资产值的价格参与定向增发。 近期，中国银行、邮储银行、交通银行、建设银行向特定对象发行A股股票的申请获得中国证监会 注册批文。这意味着上述四大国有银行的定向增发计划即将进入实施阶段。 此次四大行的定向增发计划备受市场关注，主要体现在以下两个方面： 首先，四大行此次定向增发的募资规模巨大。根据募资计划，四家银行合计募资金额高达5200亿 元。其中，中国银行计划募资不超过1650亿元，邮储银行计划募资1300亿元，交通银行计划募资不超过 1200亿元，建设银行计划募资不超过1050亿元。 其次，此次参与四大行定向增发的特定对象均为国有股东。具体来看：中国银行的增发对象为财政 部；邮储银行的增发对象包括财政部、中 ...

Group 1: Net Inflows and Outflows - Meituan-W recorded a net inflow of HKD 10.75 billion, while BYD Company saw a net inflow of HKD 3.84 billion [1] - Xiaomi Group-W experienced a net outflow of HKD 16.12 billion, and Tencent Holdings faced a net outflow of HKD 14.54 billion [1][4] - Southbound funds have continuously net bought Meituan for 14 days, totaling HKD 154.8559 billion, and have net sold Tencent for 5 days, totaling HKD 45.2192 billion [4] Group 2: Company-Specific Insights - Old Puh Gold (06181.HK) received a net inflow of HKD 2.36 billion, with a new product launch expected to enhance consumer experience and sales growth due to rising gold prices [6] - Zhong An Online (06060.HK) attracted a net inflow of HKD 1.62 billion, benefiting from the upcoming stablecoin regulations in Hong Kong and strong growth in medical and auto insurance premiums [7] - Meituan-W's recent performance showed significant growth in new customers, particularly among the post-95 generation, with over 50 product categories seeing sales growth exceeding 100% year-on-year [7]

Core Points - Liu Jin has been elected as the executive director of Bank of China, effective from June 3, 2025, for a term of three years [2] - Liu Jin's appointment has been approved by the National Financial Supervision Administration [2] - Liu Jin has a strong background in banking, having previously served as the Vice President of the National Development Bank and held various positions within the organization [2] Summary by Sections Appointment Details - Liu Jin was elected as the executive director during the first extraordinary shareholders' meeting of 2025 [2] - His roles include being a member of the Board's Strategic Development Committee and the Corporate Culture and Consumer Rights Protection Committee [2] Professional Background - Liu Jin was born in 1976 and has held various significant positions in the banking sector, including Vice President of the National Development Bank from April 2024 to April 2025 [2] - He joined Bank of China in 2024 and has a solid educational background with a Bachelor's degree in Economics from Peking University and a Master's degree in Economics from Xiamen University [2] Compensation Structure - Liu Jin will not receive director remuneration from the Bank but will be compensated based on his management position, which includes basic salary, performance salary, and contributions to social insurance and housing funds [3] - The remuneration for executive directors is determined according to national policies and is reviewed by the Board's Human Resources and Compensation Committee [3]

董事名單與其角色和職能 中國銀行股份有限公司董事會（「董事會」）成員載列如下： 董事長 葛海蛟 副董事長、行長 張輝 執行董事 劉進 非執行董事 張勇 張建剛 黃秉華 劉輝 師永彥 樓小惠 李子民 獨立非執行董事 廖長江 崔世平 讓•路易•埃克拉 喬瓦尼•特里亞 劉曉蕾 張然 1 董事會設立6個委員會。下表提供各董事會成員在這些委員會中所擔任的職位： | | 委員會 | | 企業文化與 | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | | | | 戰略發展 | 消費者權益 | | 風險政策 | 人事和薪酬 | 關聯交易 | | 董事 | | 委員會 | 保護委員會 | 審計委員會 | 委員會 | 委員會 | 控制委員會 | | 葛海蛟 | | C | | | | | | | 張輝 | | M | | | | | | | 劉進 | | M | M | | | | | | 張勇 | | M | | M | C | | | | 張建剛 | | M | | M | | | | | 黃秉華 | | | C | | M | M | | | 劉輝 | | ...

Core Viewpoint - The Bank of China Shanghai Branch is actively promoting green finance initiatives to support sustainable development and low-carbon transformation in Shanghai, showcasing its innovative financial solutions at the 2025 Shanghai International Carbon Neutral Technology, Products, and Achievements Expo [1][2]. Group 1: Green Finance Framework - The Bank of China Shanghai Branch is establishing a comprehensive green finance framework, referred to as the "four beams and eight pillars," to facilitate the green transformation of the economy and society [2]. - The bank has integrated environmental protection requirements into the entire credit management process, covering risk identification, due diligence, business approval, contract management, fund disbursement, post-loan management, and investment management [2]. Group 2: Support for Green Projects - The bank has been actively financing major projects and low-carbon transformation initiatives in Shanghai, such as the Shanghai Electric Caojing Comprehensive Energy Center Phase II loan project and the Jinshan Offshore Wind Farm Phase I project [3]. - The bank has also supported various green bond projects, including agricultural asset-backed securities and overseas green bonds that meet the EU's common classification standards, injecting financial vitality into the green industry [3]. Group 3: Commitment to Low-Carbon Operations - The Bank of China Shanghai Branch is committed to incorporating low-carbon principles into its operations, promoting energy-saving technologies, and advocating for green office practices [4]. - The bank has successfully established two "green construction benchmark outlets" in 2024, with one branch receiving a "carbon neutral certificate" from the Shanghai Environment and Energy Exchange [4]. - The bank plans to continue enhancing its product offerings and extending its green finance services to contribute to high-quality low-carbon development [4].

Group 1 - The "Su Super" league has gained significant popularity, leading to increased brand exposure for its title sponsor, Jiangsu Bank, and other banks are also enhancing their support for the sports industry [1][2] - Banks such as Bank of China, Industrial and Commercial Bank of China, and others are focusing on strengthening financial services, diversifying product offerings, and innovating service models to support the development of the sports industry [1][3] - Financial institutions view the support for the sports industry as a strategic move that combines public welfare and commercial interests, aiming to enhance their business operations [2][4] Group 2 - Financial support for the sports industry is being amplified, with banks actively participating in events and providing substantial credit support, such as Bank of China’s commitment of 20 billion yuan for Wuhan's sports economy [3][4] - The recent guidelines from the People's Bank of China and other departments emphasize the need for a multi-layered financial product and service system to support the high-quality development of the sports industry [3][5] - Banks are targeting market opportunities within the sports industry, focusing on event financing and creating a "sports finance" service model to stimulate industry growth [4][5]

格隆汇6月4日丨中泽丰(01282.HK)公告，深圳邦凯新能源股份有限公司（公司拥有75.5%权益的附属公 司）与中国银行股份有限公司深圳光明支行于2025年4月17日分别签订人民币2.05亿元及人民币4.2亿元 的银行固定资产借款合同。 于2025年3月，该银行已与公司重大股东马江浩先生及公司管理层于公司香港总部进行会议，双方就邦 凯科技园的发展前景达成一致意见，共同认可公司管理层的经营业绩及邦凯科技园的发展潜力。董事会 认为，订立该等信贷合同对集团有利，原因为其为邦凯科技园建设提供额外融资资源，可增强其现金流 量。 邦凯科技园占地面积114,502平方米，计划总建筑面积约547,850平方米，规划建成集科技研发厂房、总 部基地、商务办公、智慧公寓、休闲商业等为一体的产城综合体，该项目被列入深圳市重大工业项目名 录。项目分三期建设，已建成第一及第二期，共计房产证面积约187,199平方米。计划第三期建设面积 约360,651平方米，公司将进一步加快项目第三期的建设，预计最早于2026年底投入使用。第三期如悉 数出租后，将使集团的经营现金流产生重大的增长。 根据该等信贷合同，该银行同意向深圳邦凯提供该等信贷， ...

Investment Rating - The report does not explicitly state an investment rating for the banking payment industry Core Insights - The banking payment industry in China has evolved through four major stages: the introduction of domestic bank cards in 1985, the establishment of China UnionPay in 2002, the mobile payment transformation from 2010 to 2020, and the current digital and ecological phase since 2021 [4][5] - The future of banking payments is expected to focus on deep integration with various payment scenarios, providing unified payment solutions, and establishing "borderless payment" environments [4] - Key areas of focus include offline retail, e-commerce, high-frequency consumption in dining, and gaming, particularly targeting the younger demographic [4] Summary by Sections Development History - The banking payment business has undergone significant changes since the introduction of the first domestic bank card in 1985, with the establishment of China UnionPay in 2002 marking a pivotal moment in payment channel integration [6] - The mobile payment transformation began in 2010, leading to the introduction of mobile banking apps and the "Cloud Flash Pay" service in 2017, which restructured the mobile payment ecosystem [6][7] Important Payment Scenarios - The banking payment services are widely applied across various scenarios, including retail, e-commerce, dining, and gaming, providing tailored services for both consumers and merchants [7] - In retail, banks offer convenient payment experiences through mobile payment tools and provide solutions for merchants to manage cash flow efficiently [8] - In e-commerce, banks ensure secure online payment systems and offer supply chain financing services to support small e-commerce businesses [9] - In the dining sector, banks provide smart cash register systems and promotional activities to stimulate consumer spending [10] - In gaming, banks focus on secure transactions and offer services like account custody and fund settlement [12] Payment Fee Structures - Retail payment fees range from 0.4% to 0.6% for state-owned banks, 0.4% to 0.8% for commercial banks, and 0.5% to 1% for local banks [14][15] - E-commerce payment fees vary, with state-owned banks charging 0.3% to 0.6%, commercial banks 0.3% to 0.8%, and local banks 0.4% to 1% [19][23] - Dining payment fees are consistent across bank types, ranging from 0.2% to 0.6% [26] - Gaming payment fees are higher, with state-owned banks charging 1% to 1.3%, commercial banks 1.3% to 1.6%, and local banks 1.5% to 2% [34][40] Future Outlook - The banking payment industry is expected to achieve breakthroughs in various key areas, leveraging new payment technologies to enhance security and simplify payment processes [41] - There will be a focus on emerging application scenarios such as healthcare, smart travel, and the metaverse, along with tailored services for different user groups [41][44] - Innovations like biometric payments and blockchain technology are anticipated to streamline payment experiences and improve transaction transparency [42][45]

Core Viewpoint - The Jilin Branch of Bank of China is actively supporting the technological innovation, green transformation, specialized and innovative enterprises, and the upgrade of characteristic agricultural industries in Jilin Province, aiming to inject strong financial momentum into the comprehensive revitalization of the region by providing over 50 billion yuan in financing by April 2025 [1][2][4]. Financial Support for Technology and Innovation - As of April 2025, the Jilin Branch has provided financial support to over 300 technology-based enterprises, with a loan balance exceeding 10 billion yuan [3]. - The bank has expedited loan approvals, exemplified by an 80 million yuan loan granted to a glass manufacturing company within three working days to facilitate equipment upgrades [2]. Green Finance Initiatives - The Jilin Branch has issued nearly 3 billion yuan in green credit for projects such as the Daan Wind and Solar Green Hydrogen Integrated Demonstration Project and the BaiCheng 1.4 million kW direct current project [4]. - The bank has also provided over 6 billion yuan in loans to support the electric vehicle industry's transformation, demonstrating a commitment to sustainable energy development [4]. Specialized and Innovative Enterprises - The Jilin Branch has delivered over 2.2 billion yuan in specialized financing to more than 190 "specialized, refined, distinctive, and innovative" enterprises, facilitating their transition to high-quality production capabilities [6]. - The bank has implemented tailored financial services, including intellectual property-based guarantees, to assist companies facing financing challenges due to insufficient collateral [5]. Agricultural Sector Support - The Jilin Branch has launched the "Ginseng Loan" financial service to empower the entire ginseng industry chain, providing 10 million yuan in low-interest loans to a ginseng planting alliance and nearly 30 million yuan in loans to over 100 ginseng farmers [6][7]. - The bank's support has enabled companies to enhance their competitiveness and accelerate digital transformation, as seen in the case of a company that received 8 million yuan to develop high-value products [6].