提升公众的金融素养与风险防范意识，既是金融行业履行社会责任的重要体现，也是切实保护金融消费 者合法权益、促进金融市场健康有序发展的坚实基础。 正值2025年"5·15全国投资者保护宣传日"之际，光大信用卡精心策划并开展了一系列形式多样、内容丰 富的投资者教育活动。活动通过现场讲解深入普及金融知识，借助创意海报带来视觉冲击，利用互动易 拉宝实现趣味引导，并结合短视频扩大传播覆盖面，多维度、立体化地向市民宣传消费者权益保护相关 内容，积极引导公众树立理性投资理念，进一步夯实金融安全防线。 金融宣教进基层，筑牢安全"堡垒" "光大银行来给咱们上课啦，大家快来集合啦!"5月15日北京市小康家园社区，光大信用卡将金融宣教工 作向基层纵深推进，为社区消费者带来了一场别开生面的金融知识普及活动。 活动现场，光大信用卡工作人员布置了独具特色的宣传摊位，精心制作的金融知识普及折页和阳光消保 小课堂资料一应俱全。工作人员采用"拉家常"的沟通方式，将复杂的金融知识以平易近人的方式娓娓道 来，使群众易于理解；同时，通过"接地气"的真实案例，向居民揭示各种"投资"诈骗手段，提高大家的 警惕性。 此外，活动还通过"面对面"问答的形式开展 ...

Core Viewpoint - Several banks have adjusted consumer loan interest rates, ceasing discounts below 3%, while simultaneously offering promotional rates for credit card cash installment services, indicating a shift in strategy towards more refined customer management in credit card operations [1][5]. Group 1: Credit Card Cash Installment Promotions - Banks like China Merchants Bank and Bank of Communications are offering significant discounts on cash installment rates, with annualized rates as low as 2.76% and 5.49% for specific terms [2][3]. - Credit card cash installment services allow banks to provide cash credit directly to customers' designated accounts, with flexible repayment options and generally do not occupy credit card limits [3][4]. Group 2: Market Trends and Regulatory Environment - The People's Bank of China has emphasized the need for financial institutions to support consumer loans, which may lead to increased competition in the retail loan market [5][6]. - The credit card market is transitioning from a phase of broad expansion to one of meticulous management, with a decline in the issuance of new cards due to market saturation and stricter regulations [6][7]. Group 3: Industry Challenges and Future Outlook - The proportion of credit card loans in retail lending has decreased from 13.09% in 2022 to 12.54% in 2024, while personal business and consumer loans have seen an increase [6][7]. - Industry experts suggest that the focus should shift towards retaining valuable customers and leveraging technology and risk management to ensure sustainable growth in the credit card sector [7].

股票代码：601818 股票简称：光大银行 公告编号：临2025-026 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）60亿美元中期票据计划 （简称该计划）已向香港联合交易所有限公司（简称香港联交所）提 出申请，自2025年5月14日起12个月内该计划下的票据以仅向专业投 资者 1发行债务的方式上市。该计划已于2025年5月15日生效，详情请 参考本行2025年5月15日刊载于香港交易及结算所有限公司披露易网 站（www.hkexnews.hk）的相关公告。 特此公告。 中国光大银行股份有限公司董事会 2025年5月15日 1 定义见香港联交所上市规则第 37 章。 中国光大银行股份有限公司 关于60亿美元中期票据计划刊发发售通函的公告 ...

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依賴該等內容而引致 之任何損失承擔任何責任。 本公告及所附上市文件僅供參考，並不構成收購、購買或認購本公司（定義見下）證券的邀請或要約。 本公告及所附上市文件並不亦非旨在作為在美國境内出售或收購任何本公司證券的要約或招攬購買任何 本公司證券的要約。本公告及所附上市文件所述證券未曾亦不會根據經修訂的 1933 年美國證券法 （「證券法」）登記，亦不會於美國境内提呈發售及出售，除非獲豁免遵守或交易不受限於證券法的登 記規定。本公告及所附上市文件不得直接或間接在美國或美國境內分發。證券並無且將不會於美國境内 進行公開發售。 本 公 告 及 所 附 上 市 文 件 乃 按 香 港 聯 合 交 易 所 有 限 公 司 證 券 上 市 規 則 （ 「上市規則」） 規 定 發佈且僅供參考，並不屬於提呈出售或收購任何證券的要約或招攬購買任何證券的要約。 本公告及本文所述任何內容（包括上市文件）並非任何合約或承諾的依據。為免生疑，刊 發本公告及所附上市文件不應被視為 ...

Group 1 - The financial sector experienced a significant surge on May 14, with multiple bank stocks reaching new highs and the total market capitalization of the banking sector in A-shares surpassing 10 trillion yuan [1] - Among the banks, Industrial and Commercial Bank of China (ICBC) led with a market capitalization of 2.4 trillion yuan, followed by Agricultural Bank of China at 1.9 trillion yuan, and China Construction Bank at 1.6 trillion yuan [1] - China Galaxy noted that a series of financial policies, including interest rate cuts and structural tools, are guiding the optimization of bank credit structures, which is expected to accelerate the entry of medium to long-term funds into the market [1] Group 2 - CITIC Securities indicated that since 2025, the banking sector has maintained stable asset-liability configurations while actively growing loans, although the net interest margin continues to decline [1] - Despite the ongoing decrease in industry net interest margins, the reduction in funding costs is helping to narrow the margin of decline, with future cost reductions being a key focus for banks' interest margin management [1] - The dividend appeal of bank stocks remains strong in the context of a declining interest rate environment, with 42 A-share listed banks announcing a total dividend of 631.54 billion yuan for the 2024 fiscal year, significantly higher than the previous year [1] Group 3 - Huaxi Securities suggested that the recent surge in bank stocks may be related to new regulations for public funds, which currently have a 3.49% allocation in the banking sector, underweighting compared to the CSI 300 index by 9.99 percentage points and the CSI 800 index by 6.99 percentage points [2]

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産生或因倚賴該 等內容而引致之任何損失承擔任何責任。 本公告僅供參考，並不構成收購、購買或認購證券的邀請或要約。 本公告並不構成或組成在美國提呈發售或招攬購買或認購任何證券的建議。證券並無亦不會根據 一九三三年美國證券法 ( 包括其修訂 )(「 證券法 」) 或美國任何州或其他司法權區的任何證券監管機 構登記。證券依據證券法項下 S 規例於美國境外提呈發售或出售，如未登記或獲豁免遵守證券法的 登記規定，不得在美國境內提呈發售或出售。證券將不會於美國或提呈發售受限制或被禁止的任 何其他司法權區進行公開發售。 於香港聯合交易所有限公司上市的通告 中國光大銀行股份有限公司 董事會 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、曲亮先生、朱文輝先生、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、 洪永淼先生、李引泉先生、劉世平先生、黃志凌先生及黄振中先生。 (股份代號: 6818) 6,000, ...

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産生或因倚賴該 等內容而引致之任何損失承擔任何責任。 6,000,000,000 美元中期票據計劃（「該計劃」） 安排行及交易商 光銀國際 中國光大銀行香港分行 花旗 中信証券 本公告僅供參考，並不構成收購、購買或認購證券的邀請或要約。 本公告並不構成或組成在美國提呈發售或招攬購買或認購任何證券的建議。證券並無亦不會根據 一九三三年美國證券法 ( 包括其修訂 )(「 證券法 」) 或美國任何州或其他司法權區的任何證券監管機 構登記。證券依據證券法項下 S 規例於美國境外提呈發售或出售，如未登記或獲豁免遵守證券法的 登記規定，不得在美國境內提呈發售或出售。證券將不會於美國或提呈發售受限制或被禁止的任 何其他司法權區進行公開發售。 於香港聯合交易所有限公司上市的通告 中國光大銀行股份有限公司 (「本公司」) China Everbright Bank Company Limited ( 於中華人民共和國註冊成立的股份有限公司 ) (股份代號: 6818) 本公 ...

Group 1 - As of May 14, 78 stocks reached a 52-week high, with Chang'an Renheng (08139), Hengchang Group International (01421), and Lehua Entertainment (02306) leading the high rate at 65.38%, 42.59%, and 38.52% respectively [1] - The closing price of Chang'an Renheng was 1.370, with a peak price of 2.580, indicating a significant increase [1] - Hengchang Group International closed at 0.690, reaching a high of 0.770, reflecting a 42.59% increase [1] Group 2 - Lehua Entertainment's closing price was 1.510, with a maximum price of 1.690, showing a 38.52% rise [1] - XL Ernan CO (07711) and XL Ernan CO-U had increases of 27.75% and 26.89% respectively, with closing prices of 125.000 and 15.960 [1] - Other notable stocks include Madison Holdings (08057) with a 25.00% increase and Du Fu Wine Group (00986) with a 17.48% increase [1] Group 3 - The report also highlights stocks that reached 52-week lows, with XI Ernan CO (07311) dropping by 36.46% to a closing price of 26.500 [3] - XI Ernan CO-U saw a decrease of 35.53%, closing at 3.386 [3] - Other stocks with significant declines include Touyun Biotechnology (01332) at -22.46% and Aoweiholdings (01370) at -16.67% [3]

Core Viewpoint - The banking industry is increasingly prioritizing the recruitment and development of dual-skilled talent who understand both finance and technology, driven by policy support for technology-driven financial innovation [4][6][8]. Talent Development - Banks are focusing on hiring technology professionals, with many institutions reporting a significant increase in the number of tech staff [8][9]. - The demand for AI talent is particularly high, with banks like China Merchants Bank actively recruiting for AI-related positions [6][7]. - The average age of technology finance personnel in banks is decreasing, with many new hires coming from engineering backgrounds rather than traditional finance [11]. Performance Assessment - Banks are implementing internal due diligence exemption systems to encourage innovation in technology finance, although challenges remain in standardizing these measures [5][14]. - The due diligence exemption allows bank staff to avoid penalties if they can demonstrate that they acted responsibly in the face of risks associated with technology loans [15][17]. - There is a push for longer-term performance evaluation cycles to better assess the impact of technology loans, as short-term metrics may not accurately reflect the success of tech-driven projects [16]. Industry Trends - The proportion of technology staff within banks is generally higher in joint-stock banks compared to state-owned banks, with notable increases in recent years [9][10]. - The technology staff at major banks like ICBC and CCB has reached significant numbers, with ICBC leading at 36,000 tech employees [8][9]. - The establishment of specialized technology finance branches is becoming common, with banks setting specific standards for the number and qualifications of technology staff [12][13]. Challenges - The implementation of due diligence exemption policies faces difficulties due to a lack of unified quantitative standards, leading to subjective interpretations of responsibility [18][20]. - The complexity of assessing risks in technology finance can hinder the effectiveness of performance evaluations, as the nature of tech companies often involves high uncertainty [19][20].

本次会晤，双方一致同意建立常态化沟通机制，在政策传导、风险防控、产品创新、行业自律、信息数 据共享等方面深化合作。光大银行呼和浩特分行将对照人民银行指导意见，持续优化工作方案，力争成 为服务自治区高质量发展的金融标杆。（李贺） 吕威对光大银行呼和浩特分行的到访表示热烈欢迎，并对光大银行日常工作中的大力支持表示感谢。周 益民对中国人民银行长期以来对光大银行呼和浩特分行的指导、支持、帮助表示感谢。双方围绕做好金 融"五篇大文章"、服务实体经济、落实自治区五大任务、六个工程、政府债务化解、普惠金融、外汇、 供应链金融等业务创新发展及行业自律机制、数据信息共享等内容进行了深入交流。光大银行呼和浩特 分行重点汇报了2025年前四个月的经营情况、支持实体经济成效及下半年的工作思路，中国人民银行相 关领导对分行的工作给予充分肯定并提出指导意见。 编辑：张震 转自：新华财经 交流过程中，周益民提到，在自治区政府及人民银行等监管单位的指导下，呼和浩特分行在2025年前4 个月经营稳中提质，关注额、关注率实现双降。同时，分行持续加大服务实体经济力度，积极运用债 券、融资租赁、供应链金融等多种金融工具，助力自治区"五大任务"及"六 ...