证券代码：601988 证券简称：中国银行 公告编号：临 2025-056 1 杨军先生的个人简历如下： 杨军先生出生于 1972 年，2025 年加入本行。此前曾在中国建设银行 工作多年，2024 年 12 月至 2025 年 6 月任中国建设银行集团资产管理部 （养老金融部）总经理。2020 年 12 月至 2024 年 7 月任中国建设银行山 东省分行行长。2018 年 6 月至 2020 年 9 月任中国建设银行风险管理部总 经理。此前曾任中国建设银行风险监控部、风险管理部总经理助理，风险 管理部副总经理兼市场风险管理部副总经理、总经理，湖北省分行副行长 等职务。1996 年毕业于清华大学，获工学硕士学位，2003 年毕业于清华 大学，获管理学博士学位。具有高级经济师职称。 中国银行股份有限公司董事会决议公告 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。 中国银行股份有限公司（简称"本行"）于 2025 年 7 月 18 日在北京 以现场表决方式召开了董事会会议，会议通知于 2025 年 7 月 11 ...

金十数据7月18日讯，中国银行7月18日晚间公告，董事会会议通过如下议案：聘任杨军为本行副行长。 杨军担任本行副行长的任职资格待国家金融监督管理总局核准。 中国银行：聘任杨军为本行副行长 ...

Core Viewpoint - The Bank of China Shanghai Branch is launching the "Hu-Kong GO" dual-city consumption promotion event to support the construction of Shanghai as an international consumption center and boost consumer spending in both Shanghai and Hong Kong [1][2] Group 1: Event Details - The "Hu-Kong GO" event is a collaboration between the Bank of China Shanghai Branch, Bank of China Hong Kong, Bank of China Credit Card Company, and China UnionPay, aimed at enhancing consumer experiences in both cities [1] - The event will offer various consumer benefits across multiple sectors, including discounts at over 500 merchants, hotel discounts from major hotel groups, and tax refund privileges for purchases [1] Group 2: Previous Initiatives - The Bank of China Shanghai Branch has previously launched several promotional activities, such as "Yue 'Hui' Wuwu" and "Shanghai Blossoms Season," involving over 1,000 merchants annually in key areas like Nanjing Road and Lujiazui [1] - The bank has also expanded electronic tax refund channels and released a shopping tax refund service guide to enhance the consumer experience [1] Group 3: Future Plans - The Bank of China Shanghai Branch plans to continue its "Finance for the People" approach, exploring new methods and models to meet consumer needs and contribute to Shanghai's development as a globally influential consumption center [2]

Core Viewpoint - Recently, nearly 20 banks in Shenzhen issued statements regarding a loan intermediary, Xin Xin Hui Lin (Shenzhen) Consulting Service Co., Ltd., which allegedly impersonated these banks to attract customers [1][6]. Group 1: Bank Responses - Multiple banks, including major institutions like China Construction Bank, Industrial and Commercial Bank of China, and Agricultural Bank of China, publicly clarified that they have no partnership with Xin Xin Hui Lin and have not authorized it to conduct any business on their behalf [1][6]. - The banks warned consumers about the deceptive advertising practices employed by the intermediary, which falsely claimed to be strategic partners with several banks [6][7]. Group 2: Xin Xin Hui Lin's Operations - Xin Xin Hui Lin was established only six months prior to the incident, with a registered capital of 10 million yuan, and has rapidly expanded by being a shareholder in nine other consulting service companies [6][8]. - The intermediary has been promoting services such as "interest rate optimization" and "loan consulting" while charging high service fees, misleading consumers into believing they are affiliated with banks [6][7]. Group 3: Regulatory Environment - The collective action by banks reflects a strong commitment to compliance, consumer protection, and ongoing regulatory efforts to combat financial "black and gray industries" [9][10]. - Regulatory bodies have intensified their crackdown on illegal loan intermediary services and other financial misconduct, indicating a broader effort to enhance oversight in the financial sector [9][10].

成立大会现场，联盟理事长单位中国银行深圳分行现场介绍联盟架构与发展规划，明确"政策引导+市 场运作+生态协同"的发展路径；副理事长单位深圳港资本公司呼吁共筑"产金协同"新方式，共拓"蓝色 金融"新空间，共同书写"金融向海"的深圳答卷。 首次投融资对接会同步举行，实现金融供给与产业需求精准"握手"。中银金租、建设银行、农业银行、 工商银行、国信弘盛5家金融机构集中推介海洋专属金融产品，7家重点涉海企业在融资路演环节依次上 台展示需求，两位深交所邀请的评委现场指导，对接了涉海融资项目26个，涉及绿色航运、高端装备、 海洋能源开发、海洋渔业等领域，涵盖科创贷、渔业贷等特色海洋金融产品。 据联盟理事长单位代表介绍，未来联盟将每年至少举办1至2次投融资对接活动，持续推动信贷、股权、 风险保障等服务落地，为涉海企业纾困解难注入"金融动能"。 中新网深圳7月18日电 (索有为 王晨)深圳市海洋金融联盟17日举行成立大会，政企金多方齐聚为"金融 +海洋"深度融合按下加速键，助力深圳海洋金融生态建设，加快推进全球海洋中心城市建设。 据了解，深圳海洋生产总值稳居全国城市前列，2024年产值达到5409亿元、占全市GDP比重14. ...

Core Viewpoint - The report outlines the performance and investment strategy of the Penghua High-Quality Growth Mixed Securities Investment Fund for the second quarter of 2025, emphasizing a focus on high-quality, sustainable growth companies while managing risks effectively [1][2]. Fund Overview - The fund is managed by Penghua Fund Management Co., Ltd. and is custodied by Bank of China Limited. The total fund shares at the end of the reporting period amounted to 1,281,862,482.62 shares [1][2]. - The fund aims to achieve excess returns and long-term capital appreciation by investing in companies that demonstrate high-quality and sustainable growth [2][3]. Investment Strategy - The fund employs a combination of top-down and bottom-up approaches to identify quality companies in A-shares and Hong Kong stocks. The top-down analysis focuses on industry growth prospects and competitive factors, while the bottom-up analysis evaluates companies' core competencies and management [3][4]. - The fund defines high-quality growth companies as those that can maintain sustainable growth, generate stable cash flows, and possess strong competitive advantages [4][6]. Financial Performance - For the reporting period from April 1, 2025, to June 30, 2025, the A-class share net value growth rate was 9.06%, while the C-class share net value growth rate was 8.83%. Both classes outperformed the benchmark growth rate of 1.85% [11][18]. - The fund's performance over the past year showed a growth rate of 41.13% for A-class shares and 40.00% for C-class shares, indicating strong annual returns [12][18]. Asset Allocation - The fund's investment portfolio is primarily composed of stocks, which accounted for 93.68% of the total assets, while there were no investments in bonds or asset-backed securities during the reporting period [19][20]. - The fund's investment strategy includes a focus on sectors such as defense, banking, and technology, which have shown strong performance, while sectors like food and beverage and home appliances lagged [18]. Market Outlook - The report expresses a cautious optimism regarding market conditions, highlighting potential volatility due to ongoing trade negotiations and economic pressures. However, it notes that the market is gradually adapting to these challenges, with opportunities in emerging industries and technology advancements [18].

中国银联发布"活力人生卡" 本报电近年来，中国银联全面布局养老金融，近日携手商业银行及行业合作伙伴，发布了银联"活力人 生卡"。"活力人生卡"是银联为备老和适老阶段的人群量身定制的卡产品，同时将商业银行面向养老客 群发行的借记卡与信用卡产品、开通金融账户功能且符合银行设定条件的社保卡产品也纳入合作，形成 银联卡产品矩阵，助力提振银发经济。围绕"行、游、食、医"等高频消费场景，银联首期推出了医药健 康、康养护理、养老社区、日常生活、高端度假、高端医疗等6大类12项养老权益。首批银联"活力人生 卡"合作银行包括中国银行、交通银行、光大银行、浦发银行、兴业银行、广发银行、上海银行等7家银 行10款银联卡产品。 （葛孟超） 中国证监会同意丙烯期货和期权注册 本报电近日，中国证监会发布通知，同意郑州商品交易所丙烯期货和期权注册。丙烯期货和期权将于7 月22日上市，我国基础化工品期货再添新成员。丙烯是家电、汽车、纺织、医疗器械、化妆品等领域的 重要原料，我国是世界上最大的丙烯生产国和消费国。作为产业链中间产品和我国规模最大的烯烃品 种，丙烯期货和期权上市后，将为产业链企业提供更为丰富的风险管理工具，便于企业更好进行套期保 ...

Core Viewpoint - The credit card market is undergoing significant adjustments, with multiple banks, including Bank of China, ceasing the issuance of certain credit card products, particularly co-branded cards, due to market, regulatory, and operational pressures [1][2][3]. Market Environment - The credit card business has entered a phase of stock competition, leading banks to streamline their product lines and focus on high-frequency usage scenarios [3]. - As of the first quarter of 2025, the total number of credit cards and loan cards in circulation has decreased to 721 million, marking the tenth consecutive quarter of decline [3]. Regulatory Environment - Financial regulators are enhancing the oversight of credit card cooperative businesses, urging banks to manage the qualifications of partners and the risks associated with benefit redemption [3]. - New regulations are pushing banks towards a more refined operational model, encouraging the exit of inefficient products from the market [3]. Operational Adjustments - Banks are increasingly reducing reliance on external brands and shifting towards building self-controlled consumption ecosystems, integrating comprehensive services to enhance user engagement and data management [2]. - The operational costs associated with maintaining multiple card types are prompting banks to discontinue low-efficiency products and migrate existing users to standardized offerings [3]. Future Directions - The future of credit card business is expected to focus on three transformation directions: 1. Integrating all-encompassing scenarios to create a self-operated consumption ecosystem that includes various services [4]. 2. Upgrading technology to enhance digital service experiences and improve asset quality through intelligent risk control [4]. 3. Deepening customer segmentation to cater to specific user groups, transitioning from "scale issuance" to "value creation" [4].

贷款中介冒用金融机构名义揽客，银行开始反击了。近日，深圳多家银行公开"打假"一家贷款中介一事在业内引发热议。中国银行、农业银行、邮储银行、 中信银行、平安银行等多家银行的深圳分行陆续发布声明，与一家名为鑫心惠邻（深圳）咨询服务有限公司（以下简称"鑫心惠邻"）的贷款中介撇清关系， 均强调与该贷款中介无合作关系，提醒消费者警惕虚假宣传套路。 7月17日，针对这一情况，鑫心惠邻方面回应北京商报记者表示，公司成立初期，没有经过银行授权许可，在店内贴有24家主流银行Logo，6月经各大银行 和相关部门提醒后，目前已完成全面整改。 20家银行"打假"贷款中介 经北京商报记者统计，截至7月17日18时，就鑫心惠邻发表声明的银行数量达到20家。 结合各家银行发布的声明可以了解到，鑫心惠邻在相关门店、附近小区电梯广告位及其互联网公众号打出"降息优化""降息提额""携手××银行"等宣传广告， 通过"社区融资""降息优化"等虚假广告，声称多家银行为其战略合作伙伴，并在宣传中公然标注多家"合作"银行名称及Logo。 相关银行声明中，均提到了两个重点：一是银行与"鑫心惠邻"这家公司及其关联公司不存在任何形式的合作关系；二是在贷款办理的 ...

Core Viewpoint - Recent statements from multiple banks in Shenzhen clarify that they have no cooperation with illegal loan intermediaries, specifically naming Xin Xin Hui Lin as a problematic entity, amid intensified regulatory actions against financial "black and gray industries" [1][3][6]. Group 1: Bank Statements and Regulatory Actions - Approximately 15 banks, including major institutions like Bank of China and Agricultural Bank of China, issued statements denying any collaboration with illegal intermediaries [3][6]. - The collective statements from banks are closely linked to ongoing regulatory efforts to combat financial "black and gray industries," with a focus on illegal loan intermediaries and debt evasion [7][9]. - Regulatory bodies have intensified their crackdown on illegal financial practices, with specific actions targeting loan intermediaries, insurance fraud, and improper debt collection [7][9]. Group 2: Issues with Xin Xin Hui Lin - Xin Xin Hui Lin has been accused of misleading advertising, claiming to lower loan interest rates from 4.5% to 2.5%, which raises concerns about exaggerated marketing tactics [1][11]. - The company has been reported to use aggressive marketing strategies, including misleading advertisements in community areas, to create a false impression of partnerships with banks [11][13]. - Despite its claims of cooperation with several major banks, Xin Xin Hui Lin's assertions have been contradicted by the banks' public denials [13][14]. Group 3: Emerging Trends in the Loan Intermediary Market - New trends in the loan intermediary market include the use of deceptive marketing practices, such as false claims of bank partnerships and exaggerated loan benefits [15][16]. - There is a notable increase in "high appraisal, high loan" operations, where intermediaries artificially inflate property valuations to secure larger loans for clients [16][17]. - This practice has created a complete industry chain, allowing clients to obtain loans significantly exceeding the actual property value, leading to potential financial risks [16][17].