股份制银行响应"国补"贴息政策 国有六大行之后，股份制银行发声响应"国补"贴息政策推进实施。8月7日，北京商报记者注意到，光大银行近日表示，将组织开展个人消费贷款与服务业经 营主体贷款贴息政策落地实施工作，持续优化金融服务和保障措施，合理简化办理手续，推动政策尽快精准落地；同时做好严格监管，提高资金使用效率， 防控消费金融风险，全力确保国家政策红利及时落地，更好发挥财政资金对提振消费的杠杆作用，促进惠民生、促消费有机融合。 国务院常务会议部署实施个人消费贷款贴息政策与服务业经营主体贷款贴息政策后，金融机构响应阵营持续扩容。继国有六大行迅速表态后，股份制银行亦 加入"国补"贴息行列，8月7日，北京商报记者注意到，光大银行近日表示，将推动政策尽快精准落地。 从一线执行情况来看，多数银行目前仍处于等待细则明确的阶段，但业内人士推测，政策落地路径已渐显轮廓，财政补贴将作为主要方式，操作层面可能采 用"利息抵扣券"与"返还"两种模式，贴息范围或聚焦家电、汽车、文旅等重点领域，且需借款人提供消费凭证以佐证资金用途，确保贴息资金合规使用。 政策吹风后，关于消费贷利率能否降回3%以下的讨论声也有所升温。那么，此次金融"国补" ...

中国光大银行成都分行深刻理解并积极践行金融工作政治性、人民性，坚持从消费者的长远和根本利益出发，切实履行消费者权益保护工作主体责任，强化 消费者权益保护工作机制建设，将金融消费者权益保护贯穿于金融业务全流程、各环节，加强金融消费者教育，持续提升消费者金融素养及风险防范意识， 积极助力营造和谐、诚信的金融环境，提振金融消费者信心。 持续完善体制机制，推动消保工作高质量发展。成都分行积极落实政治责任，各级负责人带头抓消保，分行上下形成"业务发展"和"消保工作"齐抓并管的良 好氛围。同时，分行深入贯彻落实监管要求，持续对标监管要求，不断完善和优化消保工作机制，严格执行金融产品、销售渠道、目标客户"三适当"要求， 建立了分管行长亲自参与的消保工作协调工作机制，以及消保部独立开展的消保专项检查机制，加强部门协同和监督考核，强化监管要求和消保制度的落 实。特别是强化员工消保理念方面，持续通过开展"行长讲消保""员工专题培训""合规宣讲"等各类活动，加强对消费者权益保护有关法律法规及制度要求的 传导，全面提升员工消保意识和服务能力，为消费者提供更满意的金融服务打下坚实基础。 创新开展教育宣传，促进消费者金融素养提升。分行通 ...

来源：笔尖网官方 前十大重仓股分别是平安银行、工商银行、交通银行、建设银行、兴业银行、中国银行、中信银行、民生 银行、光大银行、农业银行，清一色的银行股，且前十持仓占比合计达46.73%。在今年一季度，该基金的 前十大重仓有9只为银行股、1只保险股；2024年四季度，前十大重仓有8只为银行股、1只保险股、1只家 用电器股；2025年三季度，前十大重仓有7只为银行股、1只保险股、1只家用电器股、1只电子股。 《笔尖网》文/笔尖财经 随着中国证监会《推动公募基金高质量发展行动方案》的落地，基金在公司治理、产品发行、投资运作、 考核机制等方面日渐完善，形成行业高质量发展的"拐点"。不过，却有基金公司置若罔闻，旗下基金在配 置资产时依然"挂羊头卖狗肉"，视契约如儿戏。 金信基金旗下的金信智能中国2025混合基金则是典型一例，在二季度前十大重仓股中，清一色配置了银行 股。并且，多年来，该基金一直在"亲银行疏智能"。8月5日，金信基金在该基金吧中发起"银行板块投资的 宏观逻辑是什么？"的讨论，基金经理杨超大谈自己的投资心得。但在随后的基民留言中，"自相矛盾"四个 字尤为扎眼。 玩得上瘾！ 从基金名称上看，真正的"智能中国 ...

Core Viewpoint - Everbright Bank is actively implementing policies to boost consumption and develop consumer finance as directed by relevant authorities, following the State Council's recent initiatives [1] Group 1: Policy Implementation - The bank is organizing the implementation of personal consumption loan interest subsidy policies and service industry loan interest subsidy policies as announced in the State Council's meeting on July 31 [1] - Efforts will be made to optimize financial services and guarantee measures, simplifying procedures to ensure the policies are effectively and promptly executed [1] Group 2: Risk Management - The bank emphasizes strict supervision to enhance the efficiency of fund utilization and mitigate risks associated with consumer finance lending [1] - This response marks Everbright Bank as the first joint-stock bank to act on the new policies following the recent actions of major state-owned banks [1]

Core Insights - The domestic credit card market is undergoing significant changes, including reduced benefits, discontinuation of certain products, and closure of credit card centers, indicating a transformation in the industry [1][3][4] Group 1: Adjustments in Credit Card Benefits - Several banks, including China Merchants Bank and Everbright Bank, have announced adjustments to high-end credit card benefits, focusing on increasing usage thresholds, modifying point accumulation rules, and reducing high-cost benefits [2][4] - Specific changes include increased requirements for redeeming points for miles and adjustments to annual fee waivers, such as requiring a minimum spending threshold alongside points [2][3] Group 2: Discontinuation of Credit Card Products - Many banks, including Agricultural Bank of China and Postal Savings Bank, have stopped issuing certain credit card products, particularly co-branded cards in sectors like aviation and e-commerce, citing business strategy adjustments and service quality improvements [3][4] Group 3: Shift in Industry Focus - The credit card industry is transitioning from an expansion phase to a focus on optimizing existing customer value, emphasizing the need for banks to streamline inefficient products and concentrate on core customer segments [4][5] - Factors driving this shift include intensified competition in the credit consumption market, pressure on credit assets, and the need to adapt to consumer preferences for high-frequency, essential spending scenarios [4][5][6] Group 4: Future Development Directions - Future strategies will involve deepening customer engagement through tailored benefits for different customer segments, enhancing self-operated service coverage, and integrating credit cards with wealth management and private banking services [5][6] - The industry is moving towards a model that prioritizes quality over quantity, focusing on value contribution and improving comprehensive financial service quality for high-end customers [6]

Group 1 - The core viewpoint of the news highlights a positive performance in the Hong Kong banking sector, with several banks experiencing significant stock price increases, particularly Agricultural Bank of China, which rose over 3% [1] - As of July 31, five A-share listed rural commercial banks, including Qingdao Bank and Ningbo Bank, reported positive growth in both operating income and net profit attributable to shareholders for the first half of the year, indicating stable asset quality [1] - According to a report by Zhongtai Securities, the overall asset quality of listed banks remains stable, and the industry's profit-generating capacity from provisioning is still strong, with expectations for continued positive profit growth in the sector [1] Group 2 - The net interest margin is supported by a decrease in funding costs and a larger reduction in deposit rates compared to loan rates this year, with a forecast that the decline in net interest margin for the entire year will be significantly smaller than in 2024 [1] - The recovery in scale expansion speed under a low base in the mid-year report will also support interest income [1]

中泰证券在研报中分析指出，上市银行资产质量总体平稳，行业拨备释放利润能力仍强，预计行业利润 维持正增仍可期。净息差受负债成本下降以及今年降息存款端幅度大于贷款端的支撑，预计全年净息差 下降幅度会明显小于2024年；另外，低基数下中报的规模扩张速度修复也会对利息收入形成支撑。(格 隆汇) | 代码 | 名称 | 最新价 | 涨跌幅 √ | | --- | --- | --- | --- | | 01288 | 农业银行 | 5.270 | 3.13% | | 01963 | 重庆银行 | 7.850 | 2.08% | | 01398 | 工商银行 | 6.120 | 2.34% | | 03968 | 招商银行 | 51.400 | 2.19% | | 03618 | 重庆农村商业银 | 6.250 | 2.12% | | 01988 | 民生银行 | 4.820 | 2.12% | | 03866 | 青岛银行 | 4.080 | 1.75% | | 02066 | 盛京银行 | 1.220 | 1.67% | | 06818 | 中国光大银行 | 3.690 | 1.65% | | 00998 | 中信银 ...

通过营销走访，该行了解到邵阳市某医院有清欠计划，经与该院深入沟通协商，最终入围该院清欠合作 行名单。为尽快实现业务零的突破，该行组建精干力量，高效运作，整个流程耗时仅48小时，得到了该 医院和当地政府清欠专班的一致好评。 下阶段，光大银行长沙分行将进一步提高政治站位，积极对接湖南省名单内相关单位，通过金融支持清 欠工作不断深化与省内各级政府及相关部门的合作，助力地方经济轻装前行、高质量发展。(姜宏 周梓 航) 7月31日，光大银行长沙分行成功为邵阳市某医院投放清欠贷款，实现该行首笔清欠贷款落地，该笔业 务也是邵阳地区股份制银行首笔、邵阳地区第二笔清欠贷款投放。 今年6月，中国人民银行召开金融支持清欠工作会议，光大银行长沙分行党委根据会议精神和总行相关 部署，成立工作专班，积极与当地政府清欠专班、工信部、财政部对接，并梳理名单开展精准营销。 ...

Core Viewpoint - China Everbright Bank (06818.HK) announced the issuance of dividends for its second tranche of preferred shares (referred to as Everbright Preferred 2, code 360022) [1] Summary by Category Dividend Announcement - The dividend will be distributed on August 11, 2025, with a coupon rate of 4.01% [1] - Each share will receive a cash dividend of RMB 4.01 (before tax), totaling RMB 401 million (before tax) [1]

中国光大银行(06818)公布，中国光大银行股份有限公司第二期优先股(简称光大优2，代码360022)将于 2025年8月11日发放股息，按照光大优2票面股息率4.01%计算，每股发放现金股息人民币4.01元(含税)， 合计人民币4.01亿元(含税)。 ...