Core Viewpoint - A customer of Everbright Bank reported issues with their credit report, indicating overdue payments despite normal repayment behavior, leading to loan rejections from other financial institutions. The situation escalated when the customer discovered a bizarre debt of 1 trillion yuan displayed on a third-party app, which was not reflected in the bank's records [1][6][18]. Group 1: Customer Experience and Issues - The customer, Mr. Qin, has been using a "Lehui Jin" quasi-credit card from Everbright Bank since 2015, with a credit limit of 100,000 yuan, and has never missed a payment [3][14]. - In 2022, Mr. Qin faced repeated loan rejections due to a credit report showing overdue payments, which he later discovered were misclassified as overdue when they were actually just overdraft statuses [3][15]. - The customer found that the quasi-credit card's repayment records were marked as "1" and "2," indicating overdraft periods rather than actual overdue payments, which led to confusion and misinterpretation by other banks [4][12]. Group 2: Bank's Response and Policy - Everbright Bank's customer service acknowledged the possibility of errors in third-party platforms displaying incorrect debt amounts, suggesting that the customer should verify with the bank directly [2][13]. - The bank stated that the "Lehui Jin" quasi-credit card has been discontinued in 2023, but existing customers can still use it. Changes to the card's repayment terms were made, including a new billing cycle and reporting practices [5][17]. - The bank clarified that the repayment statuses of "1" and "2" are reported to the credit system and do not affect the customer's credit report negatively, despite the customer's claims of adverse effects on loan applications [5][17]. Group 3: Industry Context and Implications - Quasi-credit cards, like the "Lehui Jin," are a unique product in China, requiring customers to deposit collateral and typically not offering interest-free periods, which can lead to misunderstandings regarding repayment statuses [20][23]. - There is a growing concern among quasi-credit card holders, particularly small business owners, about being unfairly classified as overdue, which can severely impact their ability to secure loans and maintain business operations [10][21]. - Industry experts emphasize the need for banks to distinguish between quasi-credit card overdrafts and actual overdue payments in their credit assessment processes to prevent misclassification and its consequences [12][23].

Core Viewpoint - The case of a Guangdong citizen, Mr. Qin, highlights issues with the credit reporting of Everbright Bank's "Lehui Gold" quasi-credit card, where normal repayment was misclassified as overdue, leading to significant financial repercussions for users [1][12]. Group 1: Issues with Credit Reporting - Mr. Qin's credit report indicated overdue status despite normal repayment, causing loan rejections from other financial institutions [1][4]. - The quasi-credit card's repayment records were marked as "1" and "2," which were misinterpreted by banks as overdue statuses, affecting users' creditworthiness [4][11]. - A significant number of users reported similar issues, indicating a widespread problem with the quasi-credit card's credit reporting [6][18]. Group 2: Bank's Response and Clarifications - Everbright Bank stated that it does not report overdue statuses for "Lehui Gold" cardholders to the People's Bank of China, and the "1" and "2" markings are normal overdraft indicators [2][13]. - The bank acknowledged the possibility of errors in third-party platforms displaying incorrect debt amounts, such as the reported 1 trillion yuan [3][14]. - The bank's customer service emphasized that users should verify their credit reports directly with the bank if they have concerns about the "1" and "2" markings [2][13]. Group 3: Regulatory and Industry Context - The People's Bank of China issued guidance clarifying that the "1" and "2" markings on quasi-credit cards represent overdraft periods and should not be confused with overdue statuses [5][17]. - Industry experts noted that the quasi-credit card's lack of an interest-free period and its classification as a transitional product may lead to misunderstandings in credit assessments [11][23]. - The quasi-credit card market is gradually phasing out as it does not align with the evolving credit card landscape in China [20][23].

Core Viewpoint - China Everbright Bank announced the approval of the redemption of its third phase preferred shares, pending regulatory approval, with a planned redemption date set for February 11, 2026 [1][3]. Group 1 - The board of directors approved the proposal to exercise the redemption rights for the third phase preferred shares on October 30, 2025 [1][3]. - The bank has received no objections from the National Financial Regulatory Administration regarding the redemption of the third phase preferred shares [1][3]. - The redemption will be conducted at the price specified in the preferred share offering document [1][3].

近日，本公司收到金融监管总局答复，对赎回第三期优先股无异议。为此，本公司拟于 2026年2月11日 赎回第三期优先股。 智通财经APP讯，中国光大银行(06818)发布公告，本公司董事会于2025年10月30日审议通过了《关于中 国光大银行股份有限公司行使第三期优先股赎回权的议案》并形成决议，同意本公司在取得国家金融监 督管理总局(金融监管总局)等监管机构批准或认可的前提下，按照优先股募集说明书约定的赎回价格， 赎回第三期优先股。该议案的表决情况为：有效表决票16票，同意16票，反对0票，弃权0 票。 ...

中国光大银行(06818)发布公告，本公司董事会于2025年10月30日审议通过了《关于中国光大银行股份 有限公司行使第三期优先股赎回权的议案》并形成决议，同意本公司在取得国家金融监督管理总局(金 融监管总局)等监管机构批准或认可的前提下，按照优先股募集说明书约定的赎回价格，赎回第三期优 先股。该议案的表决情况为：有效表决票16票，同意16票，反对0票，弃权0票。 近日，本公司收到金融监管总局答复，对赎回第三期优先股无异议。为此，本公司拟于2026年2月11日 赎回第三期优先股。 ...

Core Viewpoint - China Everbright Bank announced the redemption of its third tranche of preferred shares, originally issued in July 2019, subject to regulatory approval [1] Group 1: Issuance and Redemption Details - The bank issued 350 million preferred shares in a private placement on July 15, 2019, totaling 35 billion RMB [1] - The board approved the redemption of the third tranche of preferred shares on October 30, 2025, pending approval from the National Financial Regulatory Administration [1] - The voting results for the resolution were unanimous, with 16 votes in favor and no opposition or abstentions [1] Group 2: Regulatory Approval and Disclosure - The bank decided to delay the disclosure of the redemption information until receiving the necessary regulatory approvals [1] - The bank has received a response from the financial regulatory authority indicating no objections to the redemption of the third tranche of preferred shares [1] - The planned redemption date for the preferred shares is set for February 11, 2026 [1]

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份內容 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。 中國光大銀行股份有限公司 中國光大銀行股份有限公司 China Everbright Bank Company Limited China Everbright Bank Company Limited （於中華人民共和國註冊成立的股份有限公司） （於中華人民共和國註冊成立的股份有限公司） 中國光大銀行股份有限公司 董事會 中國 • 北京 2026年1月7日 於本公告日期，本公司執行董事為郝成先生、齊曄女士及楊兵兵先生；非執行董事為 吳利軍先生、崔勇先生、姚威先生、張銘文先生及李巍先生；以及獨立非執行董事為 邵瑞慶先生、李引泉先生、劉世平先生、黃志凌先生、黃振中先生及劉俏先生。 股票代码：601818 股票简称：光大银行 公告编号：临 2026-003 优先股代码：360013、360022、360034 优先股简称：光大优 1、光大优 2、光大优 3 中国光大银行股份有限公司 （股份代號：6818） ...

6818 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份內容 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。 China Everbright Bank Company Limited 中國光大銀行股份有限公司（「本公司」）於2019年7月15日非公開發行3.5億股優先股，發行 規模為350億元人民幣（「第三期優先股」，代碼360034）。 本公司董事會於2025年10月30日審議通過了《關於中國光大銀行股份有限公司行使第三期 優先股贖回權的議案》並形成決議，同意本公司在取得國家金融監督管理總局（「金融監管 總局」）等監管機構批准或認可的前提下，按照優先股募集說明書約定的贖回價格，贖回 第三期優先股。該議案的表決情況為：有效表決票16票，同意16票，反對0票，棄權0 票。 鑒於本次贖回事項尚需取得有關監管機構批准或認可，本公司根據《上市公司信息披露管 理辦法》《上海證券交易所上市公司自律監管指引第2號－信息披露事務管理》以及《中國光 大銀行股份有限公司信息披露事務管理制度》相關規定，經審慎判斷決定對有 ...

股票代码：601818 股票简称：光大银行 公告编号：临 2026-002 优先股代码：360013、360022、360034 优先股简称：光大优 1、光大优 2、光大优 3 中国光大银行股份有限公司 关于拟赎回第三期优先股的公告 近日，本行收到金融监管总局答复，对赎回第三期优先股无异议。 为此，本行拟于 2026 年 2 月 11 日赎回第三期优先股。 本行将依照有关法律法规及第三期优先股发行文件的规定，向相 关监管机构办理其他申请手续，并及时履行信息披露义务。 1 特此公告。 中国光大银行股份有限公司董事会 2026 年 1 月 7 日 2 本行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。 中国光大银行股份有限公司（简称本行）于 2019 年 7 月 15 日非 公开发行 3.5 亿股优先股，发行规模为 350 亿元人民币（简称第三期 优先股，代码 360034）。 本行董事会于 2025 年 10 月 30 日审议通过了《关于中国光大银 行股份有限公司行使第三期优先股赎回权的议案》并形成决议，同意 本行在取得国家金融监督管 ...

股票代码：601818 股票简称：光大银行 公告编号：临 2026-003 优先股代码：360013、360022、360034 优先股简称：光大优 1、光大优 2、光大优 3 本行拟赎回全部已发行的第三期优先股 3.5 亿股，每股面值人民 币 100 元，总规模 350 亿元。 二、赎回价格 中国光大银行股份有限公司 关于赎回第三期优先股的第一次提示性公告 本行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。 中国光大银行股份有限公司（简称本行）于 2019 年 7 月 15 日非 公开发行 3.5 亿股优先股，发行规模为 350 亿元人民币（简称第三期 优先股，代码 360034）。经本行董事会审议通过，并报国家金融监督 管理总局（简称金融监管总局）审核同意，本行拟于 2026 年 2 月 11 日赎回第三期优先股，现将有关赎回事宜提示如下： 一、赎回规模 本次优先股以现金方式赎回，赎回价格为优先股面值加本行宣告 赎回的公告日的计息年度应计股息。应计股息的计算公式为： IA=V0×i×t/365 IA：指本行宣告赎回的公告日的计息 ...