截至发稿，中国银行市值为18946亿元。 每经头条（nbdtoutiao）——让"铁疙瘩"从数万米高空精准"踩刹车"，中国商业航天"降本复用"只差"最 后一公里"！朱雀之后，同行排队接力 2025年1至6月份，中国银行的营业收入构成为：利息收入占比152.99%，非利息收入占比16.14%。 每经AI快讯，中国银行（SH 601988，收盘价：5.88元）12月4日晚间发布公告称，本次利润分配以方案 实施前的本行普通股总股本约3222.12亿股为基数，每股派发现金红利0.1094元人民币（税前），共计派 发现金红利约352.5亿元人民币（税前）；其中A股普通股股本约2385.9亿股，派发A股现金红利约 261.02亿元人民币（税前）。股权登记日为2025年12月10日。除权除息日为2025年12月11日。 （记者 王晓波） 免责声明：本文内容与数据仅供参考，不构成投资建议，使用前请核实。据此操作，风险自担。 每日经济新闻 ...

Core Viewpoint - Guangdong Bank emphasizes consumer rights protection as a fundamental aspect of its operations, integrating it into all business processes and customer service through innovative mechanisms, technology, and multi-party collaboration [1][2]. Group 1: Consumer Rights Protection Initiatives - Since 2025, Guangdong Bank has conducted over 10,000 financial education activities, reaching nearly 100 million consumers, focusing on themes like "investing wisely" and "safe payments" [1]. - The bank has established mediation workstations in cities and counties to explore diversified dispute resolution paths, including the creation of a financial dispute mediation committee in Zhuhai [1][4]. Group 2: Mechanism and Management - Guangdong Bank employs a matrix management system led by senior executives to ensure consumer rights protection is implemented effectively, transitioning from "soft constraints" to "hard implementation" [2]. - The bank integrates consumer rights protection into key meetings and emphasizes customer needs in product design and service processes, addressing common pain points like long wait times [2]. Group 3: Dispute Resolution and Service Improvement - The bank has developed a "five two" complaint management system to clarify responsibilities and improve response times for consumer complaints [4]. - By collaborating with social forces, Guangdong Bank has created platforms for diversified dispute resolution, bringing mediation services closer to the public [4]. Group 4: Financial Education and Awareness - Guangdong Bank integrates financial education into various life scenarios, making it more engaging and accessible, such as through interactive activities at popular tourist spots [6]. - Initiatives like "Little Bankers" allow children to learn about banking through role-playing, fostering an understanding of financial concepts in a fun environment [6][9]. Group 5: Technology and Risk Management - The bank is leveraging digital tools to enhance consumer rights protection, transitioning from manual to data-driven governance in dispute resolution [9]. - Guangdong Bank utilizes technology to raise awareness about financial risks, employing social media and mobile platforms to educate customers about potential scams [9]. Group 6: Collaborative Ecosystem for Consumer Protection - Guangdong Bank collaborates with various stakeholders, including law enforcement and educational institutions, to create a comprehensive consumer protection ecosystem [10]. - The bank's initiatives include community events that combine cultural elements with financial education, enhancing public engagement and awareness [10].

证券代码：601988 证券简称：中国银行 公告编号：临 2025-085 | 股份类别 | 股权登记日 | 最后交易日 | 除权（息）日 | 现金红利发放日 | | --- | --- | --- | --- | --- | | Ａ股 | 2025/12/10 | － | 2025/12/11 | 2025/12/11 | 差异化分红送转： 否 中国银行股份有限公司 2025年半年度A 股分红派息实施公告 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。 重要内容提示： 每股分配比例 A 股每股现金红利0.1094元（税前）。 扣税前每股现金红利 0.1094 元人民币，个人股东和证券投资基金根 据现行有效的税收政策实行现金红利个人所得税差别化处理，合格 境外机构投资者（简称"QFII"）股东扣税后每股现金红利 0.09846 元人民币，香港市场沪股通投资者（包括企业和个人）股东扣税后 每股现金红利 0.09846 元人民币。 相关日期 一、 通过分配方案的股东会届次和日期 本次利润分配方案经中国银行股份有限公 ...

海外監管公告 中國銀行股份有限公司 BANK OF CHINA LIMITED （於中華人民共和國註冊成立的股份有限公司） （「本行」） （股份代號：3988） 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因倚 賴該等內容而引致之任何損失承擔任何責任。 根據中華人民共和國（「中國」）的有關法例規定，本行在上海證券交易所網站及中 國報章刊登了《中國銀行股份有限公司2025年半年度A股分紅派息實施公告》。茲 載列如下，謹供參閱。 中國銀行股份有限公司 中国银行股份有限公司 2025年半年度A 股分红派息实施公告 董事會 中國，北京 2025年12月4日 於本公告日期，本行董事為葛海蛟、張輝、劉進、張勇*、黃秉華*、劉輝*、師永彥*、 樓小惠*、李子民*、讓•路易•埃克拉 # 、喬瓦尼•特里亞 # 、劉曉蕾 # 、張然 # 、高美懿 # 、胡展雲 # 。 * 非執行董事 # 獨立非執行董事 证券代码：601988 证券简称：中国银行 公告编号：临 2025-085 中国银行股份有限公司董事会及全体董 ...

中国银行公告，本次利润分配以方案实施前的本行普通股总股本322,212,411,814股为基数，每股派发现 金红利0.1094元人民币（税前），共计派发现金红利35,250,037,852.45元人民币（税前）；其中A股普通 股股本238,590,135,419股，派发A股现金红利26,101,760,814.84元人民币（税前）。本次权益分派股权登 记日为2025年12月10日，除权除息日为2025年12月11日。 ...

Market Overview - The Hang Seng Index increased by 175.17 points, or 0.68%, closing at 25,935.9 points with a total turnover of HKD 179.306 billion [1] - The National Enterprises Index rose by 77.93 points, or 0.86%, closing at 9,106.48 points [1] - The Hang Seng Tech Index gained 80.51 points, or 1.45%, closing at 5,615.43 points [1] Blue-Chip Stocks - Tencent Holdings rose by 0.16%, closing at HKD 612 [1] - Hong Kong Exchanges and Clearing increased by 0.54%, closing at HKD 406.4 [1] - China Mobile saw a rise of 0.17%, closing at HKD 87 [1] - HSBC Holdings increased by 0.27%, closing at HKD 111.5 [1] Local Hong Kong Stocks - Cheung Kong Holdings increased by 0.3%, closing at HKD 40.7 [1] - Sun Hung Kai Properties decreased by 0.2%, closing at HKD 98.65 [1] - Henderson Land Development rose by 0.62%, closing at HKD 29.34 [1] Chinese Financial Stocks - Bank of China increased by 0.67%, closing at HKD 4.51 [1] - China Construction Bank rose by 1.02%, closing at HKD 7.92 [1] - Industrial and Commercial Bank of China increased by 0.91%, closing at HKD 6.22 [1] - Ping An Insurance rose by 0.44%, closing at HKD 56.65 [1] - China Life Insurance increased by 1.67%, closing at HKD 26.76 [1] Oil and Petrochemical Stocks - China Petroleum & Chemical Corporation decreased by 0.22%, closing at HKD 4.5 [1] - China National Petroleum Corporation rose by 0.23%, closing at HKD 8.8 [1] - CNOOC Limited increased by 0.92%, closing at HKD 21.9 [1]

"十四五" 期间，中国银行深入践行国有大行责任担当，紧紧围绕国家区域协调发展战略，以"1 个 总体方案+ N个区域行动方案"体系为引领，聚焦重点领域、强化资源统筹、丰富产品服务，持续优化金 融供给，为构建优势互补、高质量发展的区域经济布局注入强劲金融动能。 战略引领 布局区域发展新格局 支持京津冀协同发展。通过支持区域交通一体化、产业升级转移等重点工作落地见效，助力中化、 华能集团财务公司金融服务实现无感迁移，对迁入雄安新区央企成员的金融服务覆盖率达40%；为京唐 城际铁路、京雄高铁、雄安至大兴机场快线等一批标志性项目提供融资支持；助力京津冀科技创新引领 现代化产业体系建设，落地 7 支促进地方产业发展相关基金，实现全流程金融服务。截至2025 年9月 末，中国银行支持京津冀协同发展项目贷款余额超5,600亿元。 推动长三角一体化高质量发展。聚焦"轨道上的长三角"建设，为沪苏湖高铁等区域交通基础设施互 联互通重点项目提供综合金融服务；结合长三角科创资源禀赋，推出"支持长三角G60科创走廊出海联 盟服务方案"，为科技型企业提供 "股、贷、债、保、租"多元化金融服务。截至2025年9月末，中国银 行长三角地区分行 ...

在近日举办的"全球视野下的财富管理"主题论坛暨汇华理财五周年活动上，中国银行个人金融部副总经理孙大威受邀出席并参与圆桌讨论环节。孙大威指 出，构建"具有韧性的投资组合"已成为财富管理的"必选项"，也是财富管理机构为客户提供服务的"最优解"。中国银行坚持以专业为客户创造价值，正 以"全球视野"与"本土智慧"双轮驱动，助力客户在复杂市场中实现财富的稳健增长与传承。 在坚持全球视野的同时，中国银行深耕本土市场，与头部资管机构合作，搭建了"全市场、全策略、全天候"的开放式产品货架。孙大威表示，中行不仅提供 标准化产品，还针对客户个性化需求提供单一委托、定制化理财等"一对一"服务。"客户需求千差万别，浙江青田的客户与山西吕梁的客户投资偏好和对产 品的需求可能完全不同。" 渠道方和管理人的通力合作是满足客户需求的关键之一。孙大威特别提到，今年以来与汇华理财在"全球领航"系列产品方面，"实现了非常好的突破，也获 得了客户的认可"。 专业化队伍也是为客户提供资产配置服务的关键，孙大威指出，中行通过全国超8000家理财中心、1200家财富管理中心和200多家私人银行中心，培养了一 支"懂市场、懂产品、懂客户"的财富管理专业队伍 ...

Core Viewpoint - The latest issuance of 3-year large-denomination certificates of deposit (CDs) by Industrial and Commercial Bank of China (ICBC) has seen the minimum deposit requirement raised to 1 million yuan, with an interest rate of 1.55%, which is currently sold out [1][4]. Group 1: Large-Denomination CDs - The interest rate for the 3-year large-denomination CDs is set at 1.55% with a minimum deposit of 1 million yuan [2][3]. - Previously, ICBC offered a 3-year large-denomination CD with a minimum deposit of 200,000 yuan, also at an interest rate of 1.55% [1][4]. - Other banks, including China Construction Bank, Agricultural Bank of China, and Bank of China, are also offering 3-year large-denomination CDs with a minimum deposit of 200,000 yuan at the same interest rate of 1.55% [4]. Group 2: Market Dynamics and Strategies - The increase in the minimum deposit requirement for large-denomination CDs without a corresponding increase in interest rates reflects banks' proactive liability management strategies in a low-interest-rate environment [4]. - By raising the minimum deposit amount, banks are effectively tightening the supply of large-denomination CDs, aiming to optimize their liability structure and reduce reliance on high-cost deposits [4]. - The main advantages of large-denomination CDs over regular deposits, despite the current interest rate trends, include higher liquidity and flexibility, such as transferability and collateral options, making them suitable for large depositors with short-term capital needs [4].

Core Insights - The article discusses new loan products from three banks tailored for small and medium enterprises (SMEs), highlighting their unique features and benefits [2][3][5]. Product Offerings - **Bank of China - Zhongyin Enterprise E-Loan**: Offers a maximum limit of 5 million, supports revolving credit, and is ideal for businesses needing flexible cash flow for seasonal inventory or temporary production expansion [2][3]. - **Jiangxi Bank - Operating Flow Loan**: Requires stable operating cash flow along with business licenses and tax documents, focusing on quick approval, suitable for frequent cash flow needs in trade and retail [2][3]. - **Bohai Bank - Tax Loan**: More favorable for companies with good tax records, with limits adjustable based on tax contributions, primarily supporting technology and manufacturing sectors [2][3]. Interest Rates and Terms - All three products have competitive annual interest rates starting from 3.5%, significantly lower than traditional loans, available to all industries except real estate and finance [2][3]. - Loan amounts range from 500,000 to 50 million, with flexible terms of 36 to 60 months and a repayment method of interest-first [5][18]. Target Audience - The loans are aimed at legally operating SMEs with good tax records and fixed business premises, suitable for production expansion or daily operations [6][19]. Application Requirements - Applicants must be aged between 20 and 75, hold more than 5% of shares, and have been registered for over a year, with a minimum operational capital of 500,000 [7][20]. Application Process - The application process involves submitting necessary documents for initial review, with results typically available within two hours, followed by a detailed review of financial flows [10][23].