中国银行行长张辉介绍，中国银行已发布支持人工智能产业链发展行动方案，推出中银科创算力贷，首 创券贷联动等模式，实现人工智能核心企业授信超过4000亿元，不断夯实工业数智基础。 ...

Group 1 - The year 2025 is identified as a pivotal year for the banking industry in China, marking a transition period with both opportunities and challenges arising from macroeconomic transformation and global financial changes [1] - The "2025 China Banking Industry Competitiveness Research Report" was released on November 22, focusing on the core theme of high-quality development in the banking sector and analyzing the industry's competitiveness amidst complex environments [1][2] - The report highlights that by 2025, global economic growth will exhibit a "fragmented" characteristic, with increasing policy divergence among major central banks, while domestic economic stability faces challenges due to insufficient effective demand [2] Group 2 - The first part of the report presents the overall situation of high-quality development in China's banking industry, showcasing resilience in the face of internal and external uncertainties, with signs of stabilization in net interest margins and accelerated recovery in middle-income [2] - The second part of the report focuses on the "Top 100 Competitiveness of Chinese Banks (2025)" ranking, utilizing a four-dimensional indicator system based on objective data from commercial banks' 2024 annual reports [2] - The third part of the report covers the practical achievements and development paths in five key areas of finance, including technology finance, green finance, inclusive finance, pension finance, and digital finance, revealing diverse future development paths for the industry [3]

（原标题：两部门拟明确"守门人"认定标准，AI新贵们也入围了？） 21世纪经济报道记者 王俊 章驰 一批平台即将成为你的个人信息"守门人"。 11月22日，国家互联网信息办公室、公安部发布《大型网络平台个人信息保护规定（征求意见稿）》（以下简称"征求意见稿"），明确了对大型 网络平台的认定标准，以及应履行的个人信息保护义务。 根据征求意见稿，除却阿里、腾讯、蚂蚁、字节跳动、百度、微博、小红书等互联网平台，DeepSeek、MiniMax、Kimi等迅速增长的AI公司，以 及OPPO、vivo、荣耀等智能终端厂商，不少用户规模也满足征求意见稿中的"用户超5千万或月活超1千万"等条件，同样可能进入大型网络平台 的序列。 "能力越大、责任越大"，这一原则贯穿了数字经济监管始终。该征求意见稿与9月份发布的《大型网络平台设立个人信息保护监督委员会规定》一 脉相承，均可被视为个人信息保护法第58条"守门人条款"以及《网络数据安全管理条例》对大型平台规定的配套文件。 配套文件的规定，待正式版本发布后，将对上述平台的个人信息保护合规带来重要影响。 AI新贵进入大型平台监管射程？ 4年前，个人信息保护法正式实施。其中第58条创 ...

机构认为，银行股近日表现活跃有以下核心驱动因素： 政策方面，央行近期发布的《2025年第三季度中国货币政策执行报告》称，增强银行资产和负债端利率调整的联动性，支持银行稳定净 息差，拓宽货币政策逆周期调节空间。国投证券认为，若未来LPR下调采取存款利率同步调整的中性方式，对银行息差影响有限。 从估值角度看，国投证券表示，目前A股银行板块PB为0.73倍，港股国有大行PB估值约为0.55倍，与国际主流经济体银行业估值相比仍显 著偏低。2022年至今，银行板块的行情本质上是估值重估、中枢抬升的逻辑，银行估值修复行情未结束。此外，银行股股息率显著高于 无风险利率，在当前低利率环境下形成"股息率＞利率"的配置逻辑。 本周（11月17日至21日），A股市场出现较大幅度回调。前期强势的科技股回落，市场避险情绪升温，银行股成交相对活跃，其中，超2 万亿市值的中国银行股价屡创新高，本周5个交易日有3次创历史新高。 Choice数据显示，本周共有46只个股股价创历史新高（不含近一年上市的次新股，按前复权价、涨跌幅复权算法统计，下同），较上周 的83只大幅减少。拉长时间维度看，今年以来截至11月21日，已有1003只个股股价创历史 ...

Core Viewpoint - The A-share market experienced a significant pullback during the week of November 17-21, with a notable decline in previously strong technology stocks and an increase in risk-averse sentiment, leading to heightened activity in bank stocks, particularly China Bank, which reached new historical highs multiple times during the week [2][4]. Market Performance - A total of 46 stocks reached historical highs this week, a decrease from 83 the previous week. Year-to-date, 1,003 stocks have achieved historical highs as of November 21 [2]. - Among the 46 stocks, the power equipment, basic chemicals, and machinery sectors had a concentration of 6 stocks each reaching new highs, while the electronics sector saw a significant drop to only 3 stocks [2]. - The main board had 31 stocks reaching new highs, the Sci-Tech Innovation Board had 6, the Growth Enterprise Market had 5, and the Beijing Stock Exchange had 4 [2]. Trading Activity - The overall trading activity of strong stocks decreased, with the top five stocks by trading volume being Zhongjin Resources, China Bank, Industrial and Commercial Bank of China, Foshan Plastics, and Dazhong Mining, with trading volumes of 15.795 billion, 15.195 billion, 12.66 billion, 12.18 billion, and 12.13 billion respectively [2][6]. Bank Sector Insights - The recent performance of bank stocks is driven by several core factors, including policy support from the central bank aimed at stabilizing net interest margins and enhancing the effectiveness of monetary policy [4]. - The current price-to-book (PB) ratio for A-share banks is 0.73, while Hong Kong's state-owned banks have a PB of approximately 0.55, indicating that valuations remain significantly low compared to international peers [4]. - The banking sector's dividend yield is notably higher than the risk-free rate, creating an attractive investment logic in the current low-interest-rate environment [4]. Investment Recommendations - Investment strategies suggested by Zhongtai Securities include focusing on regional banks with strong certainty and high dividend yields, particularly large banks and joint-stock banks [5]. - The stocks that reached new highs most frequently over the past 30 trading days include Electric Power Investment Energy (14 times), Hanlan Environment (13 times), and Zhiyang Innovation (12 times) [5]. Stock Price Movements - The stocks with the highest price increases this week were Zhenai Meijia (up 38.96%), Tengjing Technology (up 34.50%), Huaci Co. (up 31.69%), and others [7]. - Among the 46 stocks, two stocks had prices exceeding 100 yuan, with Tengjing Technology at 152 yuan and Tianpu Co. at 108.61 yuan [7].

新华社伦敦11月22日电（记者高文成 赵小娜）中国银行伦敦分行20日举办2025年"全球可持续发展大 会"，吸引来自监管机构、国际组织、金融机构、研究机构及企业的近80名代表出席。 这是11月 20日在伦敦拍摄的"全球可持续发展大会"会场。 新华社发（主办方供图） 与会嘉宾普遍表示，中国在绿色产业、清洁技术制造、生物多样性保护等领域政策力度的持续加大，不 仅为绿色转型提供制度保障，也为中英合作开辟了更广阔的空间。 日，在伦敦举行的"全球可持续发展大会"上，中国银行伦敦分行行长方文建在发表致辞。 新华社发 （主办方供图） 围绕低碳转型，与会嘉宾分享了在电动交通、清洁能源、供应链减排等领域的最新进展。美国杰富瑞投 资银行可持续发展团队负责人阿尼凯特·沙阿从国际视角对美国企业的绿色投资趋势进行了分析，指出 即便面对外部政策的不确定性，美国企业在低碳投资和绿色创新方面仍保持增长态势。 日，在伦敦举行的"全球可持续发展大会"上，与会嘉宾展开讨论。 新华社发（主办方供图） 11月20 会议还就推进投资转型战略等议题展开深入讨论。来自联合国气候技术合作与信息中心的朱莉娅·肯普 尼分享了该机构在支持发展中国家推动气候项目中的 ...

近日，广东省地方金融管理局印发《广东省推动养老金融高质量发展的实施方案》。 该方案提出了广东省养老金融工作目标——到2028年，广东特色养老金融体系基本建立；到"十五五"规 划末，基本实现养老金融和养老事业、银发经济高质量发展的良性循环。 近期，各地陆续出台一系列新政，部署养老金融在"十五五"规划中的重点任务。记者调研发现，各地均 强调银行业在做好养老金融大文章中的重要作用，而银行业在养老金融市场中也存在诸多潜在机遇。 北京市出台的指导意见提出，稳步推进银行保险机构丰富具有国家税收优惠政策支持的个人养老金产 品、专属商业养老保险、养老理财产品、养老保险公司商业养老金等第三支柱金融产品供给。 重庆市鼓励金融机构为老年群众开通金融服务"绿色通道"，支持银行机构创新覆盖主要养老消费场景 的"老年特色银行卡服务"应用模式。 此外，银行业对于养老体系建设、银发经济的赋能作用不可或缺。 北京市支持银行机构为养老机构、区域养老服务中心和社区养老服务驿站建设，开发符合其经营特点的 中长期信贷创新产品，支持银行机构积极用好各类政策，为银发经济市场主体创新创业提供低成本、低 门槛、更友好的金融产品和服务。 重庆市鼓励银行信贷支持 ...

Core Insights - The "2025 China Banking Industry Competitiveness Research Report" was released, highlighting the evolving competitive landscape of the banking sector amid economic adjustments, fintech innovations, and regulatory improvements [1] - The report ranks the top 100 banks based on a comprehensive evaluation system focusing on scale, profitability, growth, and stability, providing a multidimensional assessment of the industry [1] Group 1: Overall Ranking and Structure - The ranking includes 6 state-owned banks, 12 joint-stock banks, 53 city commercial banks, 27 rural commercial banks, 2 private banks, and 5 foreign banks, showcasing a diverse competitive landscape [2] - State-owned banks dominate the top tier, with all 6 making it into the top ten, led by Industrial and Commercial Bank of China, which excels in asset scale and profitability [2] Group 2: Joint-Stock Banks - Among the 12 joint-stock banks, 10 are positioned between 5th and 30th place, with China Merchants Bank leading this group at 5th place due to its strong profitability and growth potential [3] - Other notable banks include CITIC Bank and Industrial Bank, ranked 8th and 9th respectively, indicating a clear differentiation in performance among these institutions [3] Group 3: City Commercial Banks - City commercial banks represent the largest group with 53 institutions, with Jiangsu Bank leading at 17th place, showcasing strong profitability and growth [4] - Other top performers include Shanghai Bank and Ningbo Bank, ranked 18th and 19th, respectively, emphasizing the importance of regional advantages in their competitive strategies [4] Group 4: Rural Commercial Banks - Rural commercial banks, with 27 institutions on the list, demonstrate robust growth and stability, with Shanghai Rural Commercial Bank ranked 22nd [4] - These banks focus on serving local farmers and small enterprises, contributing significantly to rural economic development [4] Group 5: Private and Foreign Banks - The two private banks on the list, WeBank and MyBank, rank 13th and 15th respectively, highlighting their competitive edge in the internet finance sector [5] - The 5 foreign banks, including Citibank (China) and HSBC (China), leverage their international service capabilities to establish a competitive position in cross-border financing and corporate services [6]

Core Insights - The report emphasizes the critical year of 2025 as a pivotal point for China's banking industry, highlighting the historical achievements during the "14th Five-Year Plan" and the industry's high-quality development amidst internal and external challenges [1][2]. Group 1: Overall Industry Trends - The banking industry is facing uncertainties but demonstrates resilience, with signs of stabilization in net interest margins and a recovery in middle-income sources [3]. - The global economic growth is characterized by fragmentation, with increasing policy divergence among major central banks, while domestic economic stability is challenged by insufficient effective demand [3]. - The financial regulatory framework is being enhanced to support stable development, focusing on risk prevention, strong regulation, and promoting growth [3]. Group 2: Competitiveness Rankings - The report includes a comprehensive analysis of the "Top 100 Competitiveness Rankings of China's Banking Industry (2025)" based on four key indicators: scale, profitability, stability, and growth [4]. - Sub-rankings include "Top 100 by Scale," "Top 100 by Profitability," and "Top 100 by Growth," providing a multidimensional view of banks' strengths [4]. - The scale ranking focuses on total assets and liabilities, while the profitability ranking examines operating income and return on assets (ROA), and the growth ranking considers revenue growth rates and capital adequacy [4]. Group 3: Key Development Areas - The report covers five major areas of development: technology finance, digital finance, pension finance, green finance, and inclusive finance, showcasing practical outcomes and development paths for 2025 [5]. - It highlights advancements in technology finance, including organizational upgrades in major banks and rapid growth in technology loans from smaller banks [5]. - The report also notes the entry of five banks into the "trillion club" for green credit and the evolution of inclusive finance towards differentiated and precise services [5].

转自：新华财经 2025年11月，中国银行云南省分行以"智慧用卡安全支付"为主题，在全省范围内开展了一系列形式多样、覆盖广泛的金融教育宣传活动，通过"厅堂主阵地 +场景化外拓"相结合的方式，精准触达不同群体，筑牢金融消费安全防线。 厅堂变课堂，打造金融知识"充电站" 省分行营业部、昆明市西山支行、昆明市呈贡支行、八一支行等机构，将厅堂巧妙打造成"金融知识普及主战场"，通过悬挂横幅、摆放折页、设置风险提示 牌等方式，营造浓厚的宣传氛围。工作人员化身"金融使者"，现场教学手机银行、数字人民币、云闪付等官方支付工具的使用，指导客户开通交易提醒、指 纹支付、面容支付等功能，提升支付便捷性与安全性。 校园播种，培育金融安全"新生力量"。保山市分行、楚雄州分行联合高校开展"安全支付进校园"系列讲座，结合趣味问答、情景模拟（如扮演诈骗分子与受 害者）等互动形式，生动讲解校园贷、套路贷的危害，防范"注销校园贷""游戏充值诈骗""网购退款诈骗"等常见骗局。在校园内设置宣传展台，发放卡通版 安全用卡手册，现场指导学生开通支付安全提醒，让金融知识以轻松有趣的方式深入人心。昆明市盘龙支行辖属金实支行走进云南财经大学，发放印有反诈 相 ...