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渤海银行将积极有序推进个人消费贷款贴息工作的组织实施
Jin Tou Wang· 2025-08-15 03:12
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]
山西省财政厅召开2024年度山西省政府债券优秀承销机构座谈会
Zhong Guo Fa Zhan Wang· 2025-08-14 07:14
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].
“童”行金融路 渤海银行趣味活动启蒙财商意识
Zhong Jin Zai Xian· 2025-08-14 06:58
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].
9月起,对这些贷款进行贴息
Sou Hu Cai Jing· 2025-08-12 13:58
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 ...
渤海银行为天津地区租赁企业承销债券破百亿元
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]
渤海银行为天津租赁企业承销债券破百亿 全面助推国家租赁创新示范区高质量发展
Zhong Jin Zai Xian· 2025-08-12 07:41
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]
财政部等九部门: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
Sou Hu Cai Jing· 2025-08-12 07:30
【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。 ...
违反信用信息采集等规定,渤海银行一分行被罚款59万元
Nan Fang Du Shi Bao· 2025-08-12 04:48
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].
天津区域首只冠名科创债指数发布 渤海银行多措并举助力打造债市“科技板”
Zhong Jin Zai Xian· 2025-08-08 08:29
"中债-高等级科技创新债券行业精选指数"则创新性地融合了科技创新企业与金融服务实体经济的双重 价值,通过精选高信用等级的科技创新类债券与优质金融债,构建起"科技+金融"的协同投资生态。这 一指数不仅为投资者提供了更稳健的投资选择,更凸显了金融业在催化新质生产力、优化资源配置中的 枢纽价值,让金融与科技相互促进、协同发展。 值得一提的是,科创债系列指数创新性地引入"孪生指数"概念。两只指数共享大部分底层成分券资产 池,这一设计有效降低了指数管理成本。同时,其中一只加入金融类债券平滑市值波动,实现风险收益 特征的差异化,覆盖更广泛的客户群体,让不同风险偏好的投资者都能参与到科技创新领域的投资中 来。 战略引领 打造科创金融生态闭环 8月8日,渤海银行股份有限公司(以下简称"渤海银行")与中债金融估值中心有限公司联合编制的科创债 系列指数正式发布。 该系列指数包含"中债-渤海银行新质生产力主题科技创新债券指数"和"中债-高等级科技创新债券行业精 选指数",作为天津区域首个包含由属地机构冠名且成分券覆盖全国科创类企业的指数,旨在为投资者 提供多样化的债券价格指标和投资标的,满足市场投资需求,助力科技企业融资,促进新质 ...
银行App大“瘦身”
Jin Rong Shi Bao· 2025-08-08 07:59
Core Viewpoint - The banking industry is undergoing a significant transformation in its mobile applications, with many banks opting to integrate or discontinue their apps to enhance efficiency and user experience [1][2][4]. Group 1: Current Trends in Banking Apps - Zhuhai China Resources Bank announced that its "Run Wallet App" will cease operations on October 15, 2025, with functionalities migrating to the China Resources Bank App [1]. - A trend of "thinning" is observed in the banking app sector, with multiple banks consolidating or shutting down their apps, particularly in credit card and direct banking services [2]. - The closure and integration of apps reflect the challenges and strategies banks face during digital transformation, including cost reduction, efficiency improvement, and market competition [1][2]. Group 2: Operational Insights - Each banking app requires significant investment in human resources, technology, and funding, making independent apps less viable as new credit card user growth stagnates [2]. - Consolidating apps allows banks to focus resources on core business areas, enhancing overall operational efficiency, aligning with current financial regulatory policies [2][3]. Group 3: User Experience and Future Directions - The integration of apps is expected to improve user experience by providing a one-stop service for various financial needs, reducing the complexity of managing multiple apps [3][4]. - Future banking apps are anticipated to leverage advanced technologies like big data and artificial intelligence to offer personalized financial solutions and enhance user experience [4][5]. - The trend indicates a shift towards ecological, intelligent, and differentiated banking apps, moving beyond traditional functions to create a "life + finance" ecosystem [5].