中国经济网北京1月24日讯 国家金融监督管理总局23日发布焦作监管分局行政处罚信息公示表 （焦金罚决字〔2026〕1、2、3号）。 中国光大银行股份有限公司（简称"光大银行"，601818.SH）焦作分行存在以下违法违规事实：贷 后管理不到位，信贷资金回流至借款人；以贷转存，虚增存贷款规模。焦作金融监管分局决定对其处以 罚款60万元。 毋志鹏（光大银行解放路支行公司业务部原经理）存在以下违法违规事实：贷后管理不到位，信贷 资金回流至借款人。焦作金融监管分局决定对其处以警告。 任丽萍（光大银行焦作分行原副行长）存在以下违法违规事实：以贷转存，虚增存贷款规模。焦作 金融监管分局决定对其处以警告。 以下为原文： | 序 | 当事人 | 行政处罚 决定书文 | 主要违法违规行 | 行政处 | 作出决 | | --- | --- | --- | --- | --- | --- | | 름 | 名称 | 를 | 为 | 罚内容 | 定机关 | | | 中国光 大银行 | 焦金罚决 | 贷后管理不到 | | | | | 股份有 | 字 | 位,信贷资金回 | 明 款 | 焦作金 | | 1 | | | | 60 万 | 融 ...

公告显示，2014年5月，招商银行无锡分行委托中山证券设立定向资产管理计划，并向作为管理人的中山证券发出《投资指令》，要求投资以下资产：投资 内容——平安银行深圳分行作为受托人的委托贷款，投资金额为3.5亿元，投资期限为2014年5月30日至2015年5月29日；授权委托中山证券代表招商银行无 锡分行与平安银行深圳分行、柳河聚鑫源米业有限公司（下称"柳河米业"）签订《委托贷款合同》；明确该投资系由招商银行无锡分行决策，投资安全及任 1月20日，锦龙股份发布公告称，控股子公司中山证券近日收到吉林省长春市中级人民法院《应诉通知书》（〔2026〕吉01民初7号），光大银行长春分行作 为原告，以招商银行无锡分行、中山证券、平安银行深圳分行、国民基金及朱东卫作为被告，就侵权责任纠纷向吉林省长春市中级人民法院提起诉讼。 何风险收益均由招商银行无锡分行负责。随后，中山证券根据相关约定，代表资产管理计划及其委托人通知平安银行深圳分行将委托贷款资金3.5亿元转入 借款人柳河米业账户。投资期限届满后，该笔委托贷款未能按约收回。 光大银行长春汽车厂支行员工张磊与柳河米业实控人刘孝义冒用光大银行长春分行名义于2014年5月与招商银行 ...

Investment Rating - The industry investment rating is "Buy" [2] Core Insights - The report provides a comprehensive analysis of 127 regional banks in Jiangsu Province, highlighting their asset and liability structures, profitability, and asset quality [6][18] - Jiangsu's regional banks have shown a significant increase in asset growth, with major city commercial banks growing at 19.4%, surpassing the growth of listed city commercial banks at 14.2% [24][26] - The report indicates that the loan-to-asset ratio for city commercial banks is projected to reach 48.4% in 2024, reflecting a gradual increase in lending activities [30] - Jiangsu's regional banks exhibit better return on assets (ROA) compared to listed banks, with city commercial banks outperforming by 16 basis points and rural commercial banks by 9 basis points [6][42] - The asset quality of Jiangsu's regional banks is superior to that of listed banks, with lower non-performing loan ratios and higher provision coverage ratios [6][42] Summary by Sections 1. Economic Structure of Jiangsu Province - Jiangsu Province is focusing on new industrialization and strategic emerging industries, with significant contributions from cities like Nanjing and Suzhou [13][14] 2. Overview of 127 Regional Banks in Jiangsu - The report categorizes the banks into city commercial banks, rural commercial banks, and others, with a total of 127 banks established between 2006 and 2015 [18][20] 3. Asset/Liability Structure - The asset growth of major city commercial banks is accelerating, while rural commercial banks are experiencing a decline in growth rates [24][26] - The loan-to-asset ratio for city commercial banks is expected to increase to 48.4% by 2024, indicating a shift towards more lending [30] 4. Profitability - Jiangsu's regional banks have a higher ROA compared to listed banks, with city commercial banks showing a 16 basis point advantage [6][42] 5. Asset Quality/Capital Levels - Jiangsu's regional banks maintain a lower non-performing loan ratio compared to listed banks, with city commercial banks having a 30 basis point lower ratio [6][42]

一审法院认为,被告某银行锦州分行系案涉"汇添富稳健添盈一年持有期混合型证券投资基金"的代销 机构，原告王某通过被告购买上述理财产品,双方构成金融服务法律关系。 中国经济网北京1月23日讯 信网/信号新闻21日报道《推销基金时未充分告知风险光大银行锦州分 行被判承担客户一半损失》显示，王女士在中国光大银行股份有限公司锦州分行（以下简称"光大银行 锦州分行"）理财经理的推荐下，投入600万元购买了一款中风险基金，后续分两次赎回，但第二次赎 回时本金部分产生了14万余元的亏损，于是将光大银行锦州分行告上法庭。 近日，信号新闻获悉，一审法院审理后认为，光大银行锦州分行在销售该理财产品过程中，未对客 户进行书面风险告知、未履行风险评估义务，对客户投资损失存在过错，需承担50%本金损失的赔偿 责任。光大银行锦州分行提起上诉，被二审法院驳回。 裁判文书网发布的《辽宁省锦州市中级人民法院民事判决书》（（2025）辽07民终1743号）显 示，一审法院查明事实如下： 原告王某多次在被告某银行锦州分行购买金融理财产品，被告为原告指定专属理财经理裴超。被告 某银行锦州分行于2020年4月7日对原告王某进行购买理财产品进行了风险评估 ...

Core Viewpoint - The case highlights the responsibility of financial institutions in providing adequate risk disclosures and assessments to clients when selling investment products, as demonstrated by the court's ruling against China Everbright Bank's Jinzhou branch for failing to inform the client about the risks associated with the investment product [1][3]. Group 1: Case Details - Ms. Wang invested 6 million yuan in a medium-risk fund recommended by a financial manager at China Everbright Bank's Jinzhou branch, leading to a loss of over 140,000 yuan upon redemption [1][2]. - The court found that the bank did not conduct a written risk assessment or adequately inform Ms. Wang about the product's risks, resulting in a ruling that the bank must compensate 50% of the principal loss [3]. Group 2: Regulatory Compliance - The bank's failure to provide written risk disclosures and timely updates on product performance during the investment period was a key factor in the court's decision [3]. - The testing of the bank's mobile app revealed that clients could purchase higher-risk products despite having a lower risk tolerance, raising questions about compliance with the "suitability" principle in financial product sales [4][5]. Group 3: Legal and Industry Implications - Legal experts emphasize that financial institutions must adhere to strict sales processes, including comprehensive risk assessments and clear written disclosures to clients [6]. - The ruling serves as a warning to the banking industry to ensure compliance with regulatory standards and to improve operational procedures in the sale of financial products [6].

答：根据《通知》要求，将信用卡账单分期业务纳入支持范围，年贴息比例为1个百分点，最高不超过 分期协议年化利率的50%。 2026年1月22日，中国光大银行发布公告称，为深入贯彻落实党中央、国务院决策部署，加力提振消 费、扩大内需，持续降低居民个人消费信贷成本，提升居民消费意愿，中国光大银行积极有序推进个人 消费贷款财政贴息工作。近日，财政部等相关部门联合发布《关于优化实施个人消费贷款财政贴息政策 有关事项的通知》(财金〔2026〕1号，以下简称《通知》)，中国光大银行积极贯彻落实贴息优化政 策，现将客户集中关注的问题解答如下： 1.现行办理消费贷款贴息起止时间? 答：根据《通知》要求，个人消费贷款贴息办理时间为2025年9月1日至2026年12月31日;信用卡账单分 期贴息办理时间为2026年1月1日至2026年12月31日。 2.本次政策优化后贴息增加了哪些范围? 答：根据《通知》要求，本次贴息优化政策自2026年1月1日起正式实施。中国光大银行对符合《通知》 要求的个人消费贷款客户和信用卡账单分期客户，自2026年1月1日起按调整后的贴息政策提供服务。此 前已签署个人消费贷款贴息补充协议的个人消费贷款客户 ...

Group 1 - The core viewpoint of the article highlights the strategic cooperation between Everbright Bank and Inner Mongolia International Trade Group, focusing on supporting the region's "five major tasks" and enhancing the construction of a northern open bridgehead [1][3] - Inner Mongolia International Trade Group has established five core business segments: import and export trade, port construction, comprehensive logistics, investment and financing services, and foreign economic and trade cooperation, aiming to build a significant support platform for the China-Mongolia-Russia economic corridor [3] - Everbright Bank emphasizes its comprehensive service system leveraging the group's "full financial license + industrial synergy" advantages, offering a range of financial products including project construction credit, merger financing, and international trade financing [3] Group 2 - Both parties recognize the vast cooperation potential in areas such as the construction of the China-Mongolia-Russia economic corridor, port quality improvement, and cross-border trade facilitation, agreeing to establish a regular communication mechanism to accelerate cooperation [3] - The visit is seen as a solid foundation for deepening strategic cooperation and advancing the collaborative service strategy between government, banks, and enterprises into a new phase [3]

Group 1 - The core viewpoint of the articles emphasizes the collaboration between Everbright Bank and Everbright Pension to enhance the elderly care industry in Inner Mongolia, aligning with national policies for high-quality development in the silver economy [1][2] - The marketing initiative is structured as a "group support + head office empowerment + branch execution" three-tiered linkage, which enhances the professionalism and specificity of collaborative marketing efforts [2] - The collaboration targets nine quality elderly care institutions across four cities, focusing on diverse service models such as home care, community elderly care, and professional institutional care [2] Group 2 - The partnership aims to create an integrated solution combining "financial credit + professional operation + value-added services," fostering mutual trust between banks and enterprises [2] - Future steps include accelerating cooperation implementation and enhancing government-enterprise connections to meet the diverse needs of the elderly population [2]

Group 1 - The core focus of the event was to address the financing challenges faced by technology-based enterprises, particularly those with "light assets and lack of collateral" [1][3] - The event was attended by over 800 participants, including representatives from various financial institutions, highlighting the collaborative effort to explore the capitalization of intellectual property [1][3] - China Everbright Bank's Hohhot branch showcased its unique product system and benchmark cases in the field of intellectual property pledge financing, aiming to inject strong momentum into the development of technology enterprises [1][3] Group 2 - The seminar aligned with the regional government's "1571" work deployment, aiming to bridge the gap between intellectual property and financial resources [3] - Everbright Bank developed a comprehensive, multi-dimensional, and efficient intellectual property pledge financing service system, offering a matrix of financing products covering patents, trademarks, and copyrights to meet diverse financing needs [3] - The bank shared successful case studies, including a loan of 5 million yuan issued against a core patent for a technology enterprise in Hohhot, demonstrating the practical path of transforming intellectual property into assets [5] Group 3 - The successful hosting of the seminar established an important platform for precise connections between government, banks, and enterprises, providing replicable financial solutions for intellectual property pledge financing [5] - Everbright Bank plans to deepen cooperation with various departments and industrial parks, focusing on the financing needs of key industries in the region to support economic transformation and upgrading [5]

转自：新华财经 草原沃野铺锦绣，金融"活水"润"三农"。中国光大银行呼和浩特分行作为深耕内蒙古的金融主力军，始 终锚定自治区"国家重要能源和战略资源基地、国家重要农畜产品生产基地"建设战略目标，坚守金融为 民初心，把普惠涉农金融服务摆在高质量发展的核心位置，持续加大信贷资源倾斜、创新金融产品服 务、优化涉农金融供给。 截至2025年末，呼和浩特分行普惠涉农信贷余额较年初增幅显著，取得增量预算任务完成率全行第一， 较各项贷款增速全行第二名的好成绩，创造分行建行以来普惠涉农最佳成绩。以实打实的金融举措为内 蒙古"两个基地"建设注入强劲金融动能，书写了金融助力乡村振兴、服务地方发展的北疆答卷。 中国光大银行呼和浩特分行立足内蒙古农牧业资源禀赋与能源产业发展特色，紧扣"国家重要农畜产品 生产基地"建设需求，依托总行"442"发展方案，深耕"藏粮于地、节水增效、种业振兴、春耕备耕、肉 库丰盈、奶业振兴"六大关键领域。针对农牧户、涉农小微企业、农业产业化龙头企业等不同主体的融 资需求，打破传统信贷壁垒，简化授信流程，创新推出贴合自治区奶业制造、奶牛养殖、牧草种植、饲 料加工、农田建设等特色产业的普惠涉农信贷产品，围绕"牧 ...