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倚 賴該等內容而引致的任何損失承擔任何責任。 CHINA BOHAI BANK CO., LTD. 渤海銀行股份有限公司 （於中華人民共和國註冊成立的股份有限公司） 董事會會議通告 王錦虹 董事長 中國‧天津 2025年8月18日 （股份代號：9668） 渤海銀行股份有限公司（「本行」）之董事會（「董事會」）宣佈，董事會會議將於 2025年8月28日（星期四）舉行，藉以（其中包括）考慮及批准本行及其附屬公司截 至2025年6月30日止六個月之中期業績及其發佈。 承董事會命 渤海銀行股份有限公司 於本公告日期，董事會成員包括執行董事王錦虹先生及屈宏志先生；非執行董事 歐兆倫先生、元微女士、段文務先生、胡愛民先生及張雲集先生；以及獨立非執 行董事謝日康先生、岑紹雄先生、王愛儉女士、劉駿民先生、劉瀾飈先生及歐陽 勇先生。 ...

Core Viewpoint - The banking sector, particularly joint-stock commercial banks, is facing significant challenges due to pressure from state-owned banks and city commercial banks, leading to a low growth cycle and increased competition [1][2][4]. Group 1: Industry Challenges - Joint-stock banks are experiencing a decline in total assets, with a total of 73.3 trillion yuan as of April 2024, representing a decrease of nearly 2 percentage points compared to the end of 2020 [3]. - The overall performance of joint-stock banks has weakened due to various factors, including the pressure from state-owned banks and the lack of local government support compared to city and rural commercial banks [6][7][15]. - The market share of joint-stock banks has been declining, particularly after 2016, with a more significant drop post-2020, indicating a failure to establish a differentiated competitive advantage [14][22]. Group 2: Financial Performance - In 2024, several joint-stock banks reported varied performance in total assets and operating income, with some banks like 华夏银行 showing a significant increase in total assets by 24.70% [3]. - The net profit situation for joint-stock banks has been mixed, with some banks like 兴业银行 and 中信银行 showing resilience in their public business, while others like 平安银行 faced declines in net profit [19][21]. - The competition among joint-stock banks is intensifying, with 中信银行 leading in operating income at 2136.46 billion yuan, while 兴业银行 and 浦发银行 are also significant players but facing challenges in maintaining their rankings [19][21]. Group 3: Strategic Responses - In response to the competitive landscape, several joint-stock banks are adopting local strategies to deepen their engagement with regional economies, potentially transforming into upgraded versions of city commercial banks [7]. - The future competition will require banks to balance strategic determination and flexibility, with a focus on differentiating their services and leveraging technology for innovation [22].

Core Viewpoint - Bohai Bank announced its initiative to implement personal consumption loan interest subsidies to reduce consumer credit costs and stimulate market potential, aligning with national policies [1] Group 1 - Bohai Bank will actively and orderly promote the organization and implementation of personal consumption loan interest subsidies [1] - The initiative aims to ensure that the benefits of national policy reach financial consumers effectively [1] - Specific channels for processing and operational guidelines will be published through official platforms such as the bank's website, WeChat account, and mobile banking app [1]

Core Viewpoint - The Shanxi Provincial Finance Department held a meeting to recognize outstanding underwriting institutions for government bonds in 2024, emphasizing the importance of financial support for the local economy and the need for enhanced collaboration between finance and fiscal sectors [1][2]. Group 1: Meeting Highlights - The meeting included participation from 10 banks and 6 securities companies, which were awarded for their contributions to the bond issuance process [1]. - The Finance Department expressed gratitude to the institutions for their efforts in supporting Shanxi's fiscal initiatives and the broader economy [1]. Group 2: Key Requirements - The first requirement is to enhance the market-oriented level of bond issuance, encouraging healthy competition in the primary market and expanding trading scenarios in the secondary market [1]. - The second requirement focuses on deepening cooperation, utilizing local bonds as a bridge to foster collaboration between fiscal and financial sectors, and optimizing service levels [2]. - The third requirement aims to promote investment and stabilize growth through effective financial services and support for key transformation projects, contributing to the high-quality development of Shanxi [2].

Core Viewpoint - Bohai Bank is launching a series of summer activities focused on financial education and services for students and families, aiming to enhance financial literacy and consumer awareness among the youth [1][3]. Group 1: Financial Education Initiatives - Bohai Bank has established a long-term service mechanism for "financial literacy education" to help young people develop correct wealth concepts and essential financial knowledge [3]. - The bank integrates interactive games and immersive courses to engage children in learning about finance, allowing them to "unlock" financial mysteries [3]. - Activities include offline financial education classes called "Little Bankers," where children learn about currency recognition and participate in simulated banking operations [5]. Group 2: Consumer Protection and Risk Awareness - During the summer, Bohai Bank emphasizes educating children about their basic consumer rights and enhancing their risk prevention awareness through engaging activities [7]. - The bank organizes themed activities such as "Protecting Pocket Money, Smartly Identifying Financial Traps," which includes immersive experiences and financial education [7][8]. - In Shanghai, the bank analyzes common types of online scams targeting youth, providing detailed explanations and prevention strategies to enhance children's awareness of fraud [8]. Group 3: Commitment to Financial Literacy - Bohai Bank aims to make financial knowledge accessible from a young age, continuously exploring innovative methods for financial education [8]. - The bank's philosophy is to make finance more relatable to everyday life, contributing to the development of a financial literacy ecosystem for children [8].

12家全国性股份制商业银行 近日，财政部、中国人民银行、金融监管总局印发《个人消费贷款财政贴息政策实施方案》。 要点如下↓↓ 支持范围 贷款经办机构 6家国有大型商业银行， 包括中国工商银行股份有限公司、中国农业银行股份有限公司、中国银行股份有限公司、中国建设银行 股份有限公司、交通银行股份有限公司、中国邮政储蓄银行股份有限公司。 ■ 家用汽车领域，包括汽车购置、车辆保险及维修。 ■ 养老生育领域，包括老龄人口或其子女购买的家庭适老化改造服务、养老机构和养老社区服务，托 育、辅助生育消费等。 实施方案明确，同时符合以下条件的贷款可享受贴息政策—— 2025年9月1日至2026年8月31日期间，居民个人使用贷款经办机构发放的个人消费贷款（不含信用 卡业务）中实际用于消费，且贷款经办机构可通过贷款发放账户等识别借款人相关消费交易信息 的部分，可按规定享受贴息政策。 贴息范围包括单笔5万元以下消费，以及单笔5万元及以上的家用汽车、养老生育、教育培训、文 化旅游、家居家装、电子产品、健康医疗等重点领域消费。 对于单笔5万元以上的消费，以5万元消费额度为上限进行贴息。政策到期后，可视实施效果研究 延长政策期限、扩大支持 ...

Group 1 - The core viewpoint is that Bohai Bank has achieved significant milestones in underwriting and issuing bonds for leasing enterprises in Tianjin, with a total scale of 13.045 billion and a market share of 14.79% since 2025, both reaching historical highs [1] - Tianjin has a strong advantage in financing leasing, with leasing companies' total assets accounting for about one-fourth of the national total, supported by multiple policy measures aimed at promoting high-quality development in this sector [1] - Bohai Bank aims to establish itself as a "leasing center" by providing long-term, low-cost funding and ensuring the rapid implementation of supportive policies for leasing enterprises [1] Group 2 - Bohai Bank has introduced innovative securitization products such as Asset-Backed Notes (ABN) and Asset-Backed Commercial Papers (ABCP) to help leasing enterprises efficiently revitalize their existing assets [2] - The bank has also launched green leasing bonds tailored for renewable energy sectors like wind and solar, promoting a transition towards green finance for leasing enterprises [2] - Since 2025, Bohai Bank has positioned bond underwriting as the main channel for financing across the "finance-leasing-manufacturing" value chain, directing financial resources to support the leasing industry and further meet the financing needs of the real economy [2]

Group 1 - Bohai Bank has underwritten over 10 billion yuan in bonds for leasing companies in Tianjin this year, showcasing the city's financial innovation driving industrial upgrades [1] - Since 2025, Bohai Bank has issued 17 bond series for leasing companies in Tianjin, totaling 13.045 billion yuan, with a market share of 14.79%, both reaching historical highs [1] - The bank's actions align with national and local government policies aimed at supporting high-quality development in Tianjin [1] Group 2 - Tianjin has significant advantages in financing leasing, with leasing company assets accounting for about one-quarter of the national total, making it one of the most active cities in this sector [2] - Bohai Bank has initiated a strategy to establish a "leasing center," providing long-term, low-cost funding to leasing companies and ensuring rapid implementation of support policies [2] - The bank has developed comprehensive financial solutions to address the unique challenges of leasing assets, including large funding needs and non-standard collateral [2] Group 3 - Bohai Bank has introduced innovative securitization products like Asset-Backed Notes (ABN) and Asset-Backed Commercial Papers (ABCP) to help leasing companies efficiently manage their assets [3] - The bank has launched green leasing bonds tailored for renewable energy projects, promoting a transition towards green finance for leasing companies [3] - Since 2025, Bohai Bank has positioned bond underwriting as a key channel for financing across the "finance-leasing-manufacturing" chain, directing resources to support high-end manufacturing and other key sectors [3]

【免责声明】本文仅代表作者本人观点，与和讯网无关。和讯网站对文中陈述、观点判断保持中立，不 对所包含内容的准确性、可靠性或完整性提供任何明示或暗示的保证。请读者仅作参考，并请自行承担 全部责任。邮箱：news_center@staff.hexun.com 格隆汇8月12日｜财政部、中国人民等九部门印发 《服务业经营主体贷款贴息 政策实施方案》，中央财 政给予贴息的服务业经营主体贷款经办银行为21家全国性银行，包括国家开发银行、中国、中国农业发 展银行、中国工商份有限公司、中国股份有限公司、()股份有限公司、中国股份有限公司、股份有限公 司、中国邮政储蓄银行股份有限公司、()股份有限公司、股份有限公司、()股份有限公司、股份有限公 司、()股份有限公司、()股份有限公司、股份有限公司、()股份有限公司、上海浦东发展银行股份有限公 司、恒丰银行股份有限公司、浙商银行股份有限公司、渤海银行股份有限公司。 ...

Core Viewpoint - The People's Bank of China, Jilin Branch, has imposed a fine of 594,900 yuan on Bohai Bank's Changchun branch for multiple violations, including account management and customer identification regulations [2][3]. Summary by Category Regulatory Violations - Bohai Bank's Changchun branch was penalized for four main violations: 1. Violating account management regulations 2. Violating credit information collection, provision, and inquiry regulations 3. Failing to fulfill customer identity verification obligations 4. Failing to meet cybersecurity protection obligations as a network operator [3][4]. Penalties - The total fine imposed on Bohai Bank's Changchun branch is 594,900 yuan, along with warnings issued [3][4]. - Two responsible individuals were also fined: - Lu Mouyu, the Deputy General Manager of the Consumer Finance Center, was fined 10,000 yuan - Liu Mouhang, the head of the Changchun branch's business department, was fined 23,900 yuan [3][4]. Overall Compliance Issues - In 2023, Bohai Bank has received a total of 10 fines amounting to 5.663 million yuan, with various branches involved, including those in Taiyuan, Nanning, Hefei, Changsha, Ningbo, Jinan, Dezhou, and Suzhou [6][7]. - The fines are generally below 1 million yuan, with common violations including account management and credit management issues [7].