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链动产业共赢 渤海银行“车销易”破局车生态供应链金融
Zhong Guo Jing Ji Wang· 2025-07-23 07:11
据了解,以往平行进口车企业面临库存周期漫长、资金占用率高启的困境,而传统融资模式中,企业需 在采购环节一次性支付巨额资金,同时面对购汇、报关、仓储等多环节的线下对接难题。 渤海银行敏锐捕捉到这一行业痛点,推出的"车销易"产品围绕平行进口车行业未来货权质押与现货质押 的业务模式提供了具有针对性的融资方案——线上开证与进口押汇的组合方案显著提高融资效率和货物 周转时间,帮助企业加速库存流转;同时,依托该行"渤银全球速汇"实现了本外币收付的全程可视化管 理,企业资金流转状态清晰透明、到账迅速,极大地提升财务工作的效率和确定性。在平行进口车通关 场景上,企业可通过关税电子支付实现7×24小时线上缴税,操作便捷;关税保付保函实现"先放后税", 一份保函覆盖全国关区,显著缩短了通关时效,优化了整体供应链效率。 数据显示,近年来,天津港平行进口车年进口量占全国超70%,稳居全国最大平行进口车枢纽地位。如 此庞大的产业规模背后,是数以千计链属企业对高效金融服务的迫切需求。 "车销易"是渤海银行供应链金融产品"渤银E链—易宝通"在车生态的灵活应用。"渤银E链—易宝 通"以"产业为魂、交易为体、客户为用"为核心理念,包含"融资易 ...
渤海银行长春分行成功拦截十万元电诈资金 暖心服务守护客户“钱袋子”
Zhong Guo Jin Rong Xin Xi Wang· 2025-07-18 13:18
Core Viewpoint - The article highlights the proactive measures taken by Bohai Bank's Changchun branch to prevent customer fraud and protect their funds, showcasing the bank's commitment to financial consumer rights and safety [1][3]. Group 1: Customer Protection Efforts - On July 10, a customer, Ms. Zheng, attempted to transfer 100,000 yuan to a high-return investment project, having already lost 50,000 yuan to a similar scheme [2]. - The bank staff, utilizing their anti-fraud experience, successfully intervened by educating Ms. Zheng about recent illegal fundraising cases, ultimately preventing her from falling victim to another scam [2][3]. Group 2: Employee Training and Awareness - Bohai Bank emphasizes the importance of customer fund safety by conducting regular anti-fraud training, public awareness campaigns, and scenario drills to enhance employees' risk identification skills [3]. - The bank has received written commendation from law enforcement for its employees' high sense of responsibility and professionalism in protecting customer interests [3]. Group 3: Anti-Fraud System and Collaboration - The bank has established a comprehensive anti-fraud system that combines intelligent monitoring, manual interception, and police-bank collaboration to enhance the effectiveness of fraud prevention [4]. - Over the past two years, the Changchun branch has successfully identified and intercepted multiple suspicious transactions, recovering hundreds of thousands of yuan, with the highest single interception amounting to 760,000 yuan [4].
渤海银行:截至今年6月末服务科技型企业总量超7000家
Zhong Zheng Wang· 2025-07-17 13:34
Group 1 - Bohai Bank's technology-oriented loan scale is expected to grow by 46.2% by June 2025, serving a total of 7,185 technology enterprises [1] - The bank emphasizes its role as a state-owned financial institution, positioning technology finance as the "first engine" to support national strategies, particularly in areas like artificial intelligence [1] - Bohai Bank actively engages with seed and startup technology companies, providing credit support to help them overcome challenges in technology commercialization [1] Group 2 - For growing technology enterprises, Bohai Bank offers precise matching and efficient services to inject financial resources, exemplified by its support for Hezhima Intelligent Technology, which is set to go public in 2024 [1] - The bank's services for mature technology enterprises have evolved, providing specialized financial service solutions to meet their funding needs for business expansion and R&D investment [2] - Bohai Bank aims to continue supporting the development of technology enterprises, particularly in new-generation smart terminals and intelligent manufacturing equipment [2]
渤海银行点燃向“新”力,科技金融撬动“人工智能+”行动浪潮
Zhong Jin Zai Xian· 2025-07-17 06:41
Group 1 - The artificial intelligence industry is a core driving force of the new technological revolution and industrial transformation, elevated to a national strategic level [1] - The government report for 2025 emphasizes the continuous promotion of the "Artificial Intelligence +" initiative, integrating digital technology with manufacturing and market advantages to support the widespread application of large models [1] - Bohai Bank actively fulfills its mission as a state-owned financial institution by integrating diverse resources to support the development of the artificial intelligence sector and promote high-quality financial development [1] Group 2 - High-tech enterprises in the seed and startup phases face the "valley of death" in technology transfer, a critical stage in the development of high-tech industries [3] - Tianjin Tiankai High Education Science and Technology Park hosts Tianjin Tiandazhitou Technology Co., Ltd., established in 2023, focusing on vertical large model technology and providing industry knowledge graph services [3] - Bohai Bank supports Tianjin Tiandazhitou by providing credit support and collaborating with the founding team to help the company grow [3] Group 3 - The autonomous driving sector is accelerating, with Hezhima Intelligent becoming a leading supplier of automotive-grade intelligent computing chips since its establishment in 2016 [4] - Bohai Bank provides tailored financial services to support the intelligent automotive industry's development and addresses the financing needs of rapidly growing companies [4] - Mature technology enterprises like Shengtong Technology Co., Ltd. benefit from Bohai Bank's diverse financial services, including supply chain finance and cash management [4] Group 4 - The intertwining of technological revolution and great power competition positions artificial intelligence as a key area of competition among nations [5] - Strong technological investment is essential for supporting the development of cutting-edge technologies and future industries, with financial support being crucial at every step from research to commercialization [5] - Bohai Bank will continue to implement the central financial work conference's spirit, focusing on serving the real economy and supporting the development of intelligent terminal and manufacturing technology enterprises [5]
渤海银行广州分行一副行长任职资格获批,曾身兼四部门负责人
Nan Fang Du Shi Bao· 2025-07-17 04:22
国家金融监督管理总局广东监管局近日发布公告称,核准张颖杰渤海银行股份有限公司广州分行副行长 的任职资格。 该文章称,张颖杰作为四个部门的主要负责人,身兼数职,"在待人处事各方面表现出谦虚和踏实",且 在他的努力和带领下,分行个金和个贷业务都取得了显著的成绩:2018年分行网络银行条线在全行排名 第一,分行信用卡条线在全行排名第一,分行服务管理考核在全行排名第一,获得渤海银行"厅堂一体 化"技能竞赛二等奖及"浩瀚管家"称号,分行个人金融部获得"最佳晨会组织奖""2018年度优秀服务管理 分行"称号,分行财富管理部获得"2018年度银保业务优秀分行"称号。 该文章还称,张颖杰个人也获得多项荣誉:2017年度渤海银行零售渠道管理优秀负责人;2018年度渤海 银行贵金属线上大赛"美人季"营销活动"十佳销售管理人"称号;2018年任广州市财政局预算项目评审专 家,参与评审广州市本级2019年部门预算项目;2018年度总行级优秀员工称号。 渤海银行2024年年报显示,截至2024年末,渤海银行建立了34家一级分行,其中广州分行本部员工数为 200人,下辖4家二级分行和14家支行,所辖机构员工共计366人。 采写:南都湾财 ...
渤海银行一分行信贷违规被罚60万元!一个月内连收3张罚单
Nan Fang Du Shi Bao· 2025-07-07 07:52
Core Viewpoint - Bohai Bank's Hefei branch has been fined for violations in credit operations, highlighting ongoing compliance issues within the bank [2][3][5] Group 1: Regulatory Actions - The Hefei branch of Bohai Bank was fined 600,000 yuan for improper loan disbursement practices and inadequate due diligence in personal business loans [3] - This marks the third penalty for Bohai Bank in the past month, with a total of six fines amounting to 3.09 million yuan in 2023 [2][4] - Other branches, including those in Ningbo and Changsha, have also faced penalties for various regulatory violations, totaling fines of 62,000 yuan and 67,000 yuan respectively [4] Group 2: Management and Compliance Challenges - Four individuals from the Hefei branch have been warned due to their involvement in the violations, indicating a need for improved management oversight [3] - Despite achieving revenue growth of 4.20% and a net profit increase of 1.99% in Q1 2023, the bank faces significant challenges in maintaining compliance and risk management [4][5] - The bank's management has emphasized the importance of compliance and risk control in their strategic meetings, yet the recent penalties raise questions about the effectiveness of these initiatives [5]
全市场发行超6200亿元 中小银行加速入局科创债
经济观察报· 2025-07-05 08:34
Core Viewpoint - The issuance of technology innovation bonds (科创债) has gained momentum, with various banks participating actively, indicating a strong market response to the supportive policies introduced for these bonds [2][6][12]. Group 1: Issuance Overview - As of July 3, 2025, a total of 419 technology innovation bonds have been issued, with an aggregate issuance scale exceeding 620 billion yuan, highlighting the growing interest in this financial instrument [2]. - Among the issuers, banks have emerged as the main players, having issued 27 bonds with a total scale of over 220 billion yuan [2][3]. Group 2: Bank Participation - Large banks lead in issuance scale, while small and medium-sized banks are also entering the market, with 11 banks participating in the issuance process [3][4]. - The issuance scale of city commercial banks and rural commercial banks collectively reached 391 billion yuan, with notable contributions from banks like Beijing Bank (80 billion yuan) and Shanghai Bank (50 billion yuan) [6][7]. Group 3: Interest Rates and Credit Ratings - The credit ratings of the issuers are predominantly high, with most banks rated AAA, except for one rated AA+ [3][7]. - The interest rates for technology innovation bonds vary, with large banks offering rates between 1.17% and 1.65%, while small and medium-sized banks have higher rates, with some reaching up to 1.95% [3][10]. Group 4: Fund Utilization - The funds raised through technology innovation bonds are primarily directed towards supporting technology loans and investing in bonds issued by technology innovation enterprises, creating a synergistic effect [11]. - Major banks have consistently used the proceeds for "issuing technology loans," while some also invest in technology innovation enterprises' bonds [11]. Group 5: Future Trends - The market is expected to see innovations in bond products and an expansion of issuing entities, with banks likely to introduce more flexible bond terms to cater to the specific needs of technology enterprises [12]. - There is a growing emphasis on technology finance as a strategic focus for banks, particularly among small and medium-sized banks, which may accelerate their participation in the technology innovation bond market [12].
科创债全市场发行超6200亿元 中小银行加速入场
Jing Ji Guan Cha Wang· 2025-07-04 09:54
Core Insights - The launch of the Science and Technology Innovation Bonds (科创债) has attracted various participants, with a total issuance of 419 bonds amounting to over 620 billion yuan as of July 3, 2025 [2] - Large banks are leading the issuance, while small and medium-sized banks are also entering the market, increasing the number of issuers to 11 [2] - The credit ratings of the issuers are predominantly high, with most rated AAA, and the interest rates for small and medium-sized banks are higher compared to large banks [2][4] Issuance Overview - As of June 30, 2025, policy banks and state-owned banks are the main issuers, with the China Development Bank issuing 3 bonds totaling 20 billion yuan, and major state-owned banks collectively issuing 1.1 billion yuan [4] - The issuance scale of various banks includes 550 billion yuan from joint-stock banks and 391 billion yuan from city and rural commercial banks [4][5] - The issuance of floating-rate bonds has also been noted, with Sichuan Bank issuing the first floating-rate 科创债 [5] Interest Rates - The overall interest rates for 科创债 are relatively low, with the weighted average interest rate for commercial banks decreasing by 5 basis points [6] - The lowest rates are observed in the China Development Bank's bonds, with rates as low as 1.17% for short-term bonds [6] - Small and medium-sized banks face higher issuance rates, with some reaching up to 1.95% [6] Fund Utilization - The funds raised through 科创债 are primarily directed towards supporting technology loans and investing in bonds issued by technology innovation enterprises [7] - Major banks have a consistent focus on issuing 科创债 for technology loan disbursement, while some joint-stock and city commercial banks also invest in technology innovation bonds [7] Future Trends - There is potential for innovation in bond products and expansion of issuers in the 科创债 market, with banks likely to introduce more flexible bond terms [8] - Small and medium-sized banks are expected to design issuance plans that align with local industry characteristics and technology enterprise funding needs [8]
债市周周谈:哪些保险次级债值得关注?
2025-06-30 01:02
Summary of Key Points from Conference Call Records Industry Overview - The conference call discusses the bond market, specifically focusing on the insurance subordinated debt market, credit bonds, and data center REITs [1][5][11]. Key Insights and Arguments Bond Market Outlook - The interest rate bond market is expected to experience narrow fluctuations in 2025, with limited upward potential due to low likelihood of policy tightening by the central bank [1][2]. - Credit spreads are anticipated to compress further, prompting institutions to seek lower-rated credits for higher yields [3][5]. Insurance Subordinated Debt Market - The insurance subordinated debt market is relatively small, with a total scale of approximately 500 billion, compared to 6-7 trillion for bank-related instruments [5][6]. - The investment structure is shifting towards market-oriented institutions, which may enhance trading volume and market recognition [6]. - Risk assessments should focus on state-owned large insurance companies due to the significant spread loss risks faced by life insurance companies [6][9]. Investment Recommendations - Long-term insurance subordinated debt with yields above 2.5% is recommended, particularly products from Huatai Life and Sunshine Life [9]. - Investors are advised to be cautious with subordinated debt from smaller insurance companies due to potential non-redemption risks [7][8]. City Investment Bonds - City investment bonds offer high yields without exchange rate risks, with offshore yields reaching 5-6%, significantly higher than the domestic 2.5% [10]. - Investors with QD quotas are encouraged to purchase these bonds through Hong Kong for better value [10]. Data Center REITs - Data center REITs have shown strong performance since 2024, with a total market value exceeding 200 billion and a 15% increase in the index this year [11][12]. - These REITs are characterized by high customer stickiness, long lease terms, and stable revenue, making them attractive investments [13][14]. - The operational model of data center REITs differs significantly from traditional property REITs, focusing on technology and operational capabilities [16]. Investment Strategy for Data Center REITs - Investors are encouraged to participate in the issuance of newly approved data center REITs due to their strong underlying assets and potential for initial premium returns [17][18]. - The unique characteristics of data center REITs, including their dual nature of real estate and technology, position them favorably in the market [18]. Additional Important Points - The shift in investor structure towards more market-oriented institutions in the insurance subordinated debt market could lead to increased trading activity and recognition [6]. - The potential risks associated with smaller insurance companies' subordinated debt require careful monitoring of their performance and redemption practices [8].
信用分析周报:继续关注2%以上的高票息信用债-20250629
Hua Yuan Zheng Quan· 2025-06-29 14:10
Report Industry Investment Rating No relevant content provided. Report's Core View - The logic of being bullish on credit bonds with a yield of over 2% remains unchanged this week. It is recommended to moderately lower the credit quality and extend the duration, especially focusing on medium- to long-term high-coupon urban investment bonds and bank Tier 2 and perpetual bonds with a yield of over 2% and good liquidity [2][43]. Summary by Directory 1. Primary Market 1.1 Net Financing Scale - The net financing of traditional credit bonds (excluding asset-backed securities) was 153.6 billion yuan this week, a decrease of 110.9 billion yuan compared to last week. The total issuance was 427.5 billion yuan, a decrease of 150.7 billion yuan, and the total repayment was 273.9 billion yuan, a decrease of 39.8 billion yuan. The net financing of asset-backed securities was 8.8 billion yuan, a decrease of 24.3 billion yuan [7]. - By product type, the net financing of urban investment bonds was 49.5 billion yuan, an increase of 32.5 billion yuan; the net financing of industrial bonds was 48.9 billion yuan, a decrease of 97.3 billion yuan; and the net financing of financial bonds was 55.2 billion yuan, a decrease of 46.2 billion yuan [7]. - In terms of issuance and redemption quantity, the issuance of urban investment bonds increased by 4, and the redemption decreased by 17; the issuance of industrial bonds decreased by 21, and the redemption remained unchanged; the issuance of financial bonds decreased by 6, and the redemption decreased by 16 [9]. 1.2 Issuance Cost - The issuance rates of AA industrial bonds, AA+ and AAA financial bonds increased significantly, while the issuance rate of AA+ industrial bonds decreased. The issuance rates of other bonds with different ratings changed by no more than 4BP [15]. - Specifically, the issuance rate of AA+ financial bonds increased by 63BP, mainly due to the high issuance costs and large issuance scales of bonds such as "25 Chouzhou Commercial Bank Tier 2 Capital Bond 01" and "25 Chengde Bank Perpetual Bond 01". The issuance rate of AAA financial bonds increased by 20BP, mainly due to the 30 billion yuan issuance of "25 Minsheng Bank Perpetual Bond 01" with an issuance rate of 2.3%. The issuance rate of AA industrial bonds increased by 18BP, mainly due to the high issuance rates of bonds such as "25 Jingjiang Beichen MTN003" and "25 Zhongtou 01". The issuance rate of AA+ industrial bonds decreased by 15BP, mainly due to the large number of bonds issued with a coupon rate below 2.3% [15]. 2. Secondary Market 2.1 Trading Volume - The trading volume of credit bonds (excluding asset-backed securities) decreased by 129.9 billion yuan compared to last week. The trading volume of urban investment bonds was 293.6 billion yuan, a decrease of 4 billion yuan; the trading volume of industrial bonds was 432.1 billion yuan, a decrease of 35.3 billion yuan; the trading volume of financial bonds was 511.6 billion yuan, a decrease of 90.5 billion yuan. The trading volume of asset-backed securities was 26.5 billion yuan, an increase of 5.7 billion yuan [16]. - In terms of turnover rate, the turnover rate of traditional credit bonds decreased overall, while the turnover rate of asset-backed securities increased. The turnover rate of urban investment bonds was 1.89%, a decrease of 0.03 percentage points; the turnover rate of industrial bonds was 2.49%, a decrease of 0.22 percentage points; the turnover rate of financial bonds was 3.54%, a decrease of 0.63 percentage points. The turnover rate of asset-backed securities was 0.75%, an increase of 0.13 percentage points [17]. 2.2 Yield - The yield of credit bonds fluctuated slightly this week, with the long - end performing better than the medium - and short - ends. Specifically, the yields of AA+, AAA - and AAA bonds with a maturity of over 10 years decreased by 2BP, 3BP and 1BP respectively compared to last week. The yields of AA+, AAA - bonds with a maturity of 3 - 5 years and AA+ bonds with a maturity of 5 - 7 years decreased by less than 1BP. The yields of credit bonds with other ratings and maturities increased by 0 - 4BP [21]. - By product type, taking the AA+ 5 - year bonds of each product as an example, the yields of different products showed mixed trends. Among industrial bonds, the yields of privately - issued industrial bonds and extendible industrial bonds decreased by 4BP and increased by 1BP respectively compared to last week. Among urban investment bonds, the yield of AA+ 5 - year urban investment bonds increased by 1BP. Among financial bonds, the yields of commercial bank ordinary bonds and Tier 2 capital bonds decreased by 1BP and increased by 1BP respectively. Among asset - backed securities, the yield of AA+ 5 - year asset - backed securities increased by less than 1BP [22]. 2.3 Credit Spread - Overall, the credit spreads of most industries fluctuated slightly this week, and the credit spread of the AA+ electronics industry contracted significantly. Specifically, the credit spread of the AA real estate industry widened by 14BP; the credit spreads of the AA+ electronics and electrical equipment industries contracted by 62BP and 9BP respectively, and the credit spread of the steel industry widened by 12BP; the credit spread of the AAA electrical equipment industry contracted by 9BP. The fluctuations of credit spreads of bonds in other industries and ratings were no more than 5BP [23]. 2.3.1 Urban Investment Bonds - By maturity, the credit spreads of urban investment bonds within 5 years widened slightly, while those over 5 years compressed slightly. Specifically, the credit spread of 0.5 - 1 - year urban investment bonds was 43BP, an increase of 2BP; the credit spread of 1 - 3 - year urban investment bonds was 44BP, an increase of 2BP; the credit spread of 3 - 5 - year urban investment bonds was 63BP, an increase of 1BP; the credit spread of 5 - 10 - year urban investment bonds was 53BP, a decrease of 1BP; the credit spread of over 10 - year urban investment bonds was 43BP, a decrease of 4BP [27]. - By region, the credit spreads of AA urban investment bonds in Shanxi and AAA urban investment bonds in Jilin widened significantly, while the credit spread of AA urban investment bonds in Liaoning compressed by 6BP. The fluctuations in other regions were relatively small [28]. 2.3.2 Industrial Bonds - The credit spreads of industrial bonds showed mixed trends this week, and the 5 - year industrial bonds performed well overall. Specifically, the credit spreads of 5 - year AAA -, AA+ and AA privately - issued industrial bonds compressed by 1BP, 4BP and 4BP respectively, and the credit spreads of 5 - year AAA - and AA extendible industrial bonds compressed by 2BP and 3BP respectively. The credit spreads of industrial bonds with other maturities and different subject ratings mostly widened compared to last week, with a fluctuation range of 0 - 3BP [31]. 2.3.3 Bank Capital Bonds - The credit spreads of bank Tier 2 and perpetual bonds mostly widened slightly this week. By product and maturity, for bank Tier 2 capital bonds, the credit spreads of AAA -, AA+ and AA bonds with a maturity of 1 year widened by 3BP, 2BP and 2BP respectively, and the credit spreads of AAA -, AA+ and AA bonds with a maturity of 10 years widened by 2BP, 2BP and 2BP respectively. For bank perpetual bonds, the credit spreads of AAA -, AA+ and AA bonds with a maturity of 1 year widened by 3BP, 3BP and 4BP respectively, and the credit spreads of AAA -, AA+ and AA bonds with a maturity of 10 years widened by 2BP, 2BP and 2BP respectively [35]. 3. This Week's Bond Market Sentiment - Due to the concentrated disclosure of bond follow - up rating reports near the end of June, there were many credit negative events this week. - Convertible bond negative sentiment: 16 issuers had their ratings downgraded, and the ratings of 16 convertible bonds they issued were also downgraded; 2 issuers were put on the watch list, and the 2 convertible bonds they issued were also put on the watch list [38]. - Other credit negatives: 3 issuers had their ratings downgraded, 37 bond issues had their ratings downgraded, and 10 bond issues had their implied ratings downgraded. Guizhou Shuicheng Economic Development Zone High - tech Development Investment Co., Ltd. was put on the issuer watch list, and its "18 Shuicheng High - tech Bond" was put on the bond watch list [40]. 4. Investment Suggestion - The central bank achieved a net injection of 126.72 billion yuan this week, and DR001 decreased from 1.35% at the beginning of the week to 1.29%. - Overall, the credit spreads of most industries fluctuated slightly, the credit spread of the AA+ electronics industry contracted significantly. The credit spreads of urban investment bonds within 5 years widened slightly, while those over 5 years compressed slightly. The credit spreads of industrial bonds showed mixed trends, and the 5 - year industrial bonds performed well. The credit spreads of bank Tier 2 and perpetual bonds mostly widened slightly. The yields of credit bonds fluctuated slightly, with the long - end performing better than the medium - and short - ends. - It is recommended to continue to focus on bank Tier 2 and perpetual bonds of banks such as Minsheng Bank, Bohai Bank and Hengfeng Bank, and urban investment bonds in regions such as Yunnan, Shaanxi and Tianjin, such as Yunnan Construction Investment Holding Group Co., Ltd., Xianyang Urban Development Group Co., Ltd. and Tianjin Bohai State - owned Assets Management Co., Ltd., which have relatively high static coupon rates [43].