Core Viewpoint - Major state-owned banks and some joint-stock banks in China have recently suspended the sale of 5-year large-denomination time deposits, with current offerings primarily focused on 1-month to 3-year products [1] Group 1: Bank Actions - Six major state-owned banks, including ICBC, ABC, BOC, CCB, BOCOM, and PSBC, along with several joint-stock banks, have withdrawn long-term deposit products [1] - Many small and medium-sized banks have also announced the suspension of 3-year and 5-year fixed deposit products while simultaneously lowering interest rates across various deposit terms [1] - The remaining large-denomination time deposits are mostly concentrated in 1-month, 3-month, and 3-year terms, with 3-year products becoming the primary long-term offering [1] Group 2: Interest Rate Trends - The interest rates for 3-year large-denomination time deposits generally range from 1.5% to 1.75%, with reports of "tight quotas" and "sold out" situations being common [1] - The average net interest margin for commercial banks has dropped to a historical low of 1.42% in Q3, reflecting the pressure on bank profitability [2] Group 3: Strategic Adjustments - The adjustments in long-term deposit products are a response to the narrowing net interest margin, aimed at alleviating profitability pressures [2][3] - The shift indicates a transition from a focus on scale expansion to a more refined approach that emphasizes the quality of liabilities [3] Group 4: Future Outlook - There is potential for further reductions in deposit rates as banks continue to adjust high-cost deposit products [4] - Investors are advised to monitor market dynamics closely, including LPR adjustments and regulatory changes, while diversifying their asset allocation based on risk preferences [4]

Group 1 - The banking sector is currently seen as a defensive investment, with several banks showing positive performance, such as Agricultural Bank rising over 2% [1] - The largest bank ETF (512800) has shown resilience, recovering from early losses and closing up 0.36%, indicating strong market interest [1][3] - The banking sector's price-to-book (PB) ratio is at 0.73, significantly lower than international peers, suggesting potential for valuation recovery [3] Group 2 - Institutional investors are increasingly favoring the banking sector, with insurance funds continuing to increase their holdings, indicating ongoing investment value [3] - The recent performance of the bank ETF (512800) reflects a growing interest, with a fund size increase to 206.15 billion, up 131.27 billion since the beginning of the year [5] - The bank ETF has seen a net inflow of 2.7 billion over the past two days, highlighting strong demand for banking sector investments [3]

"如何将赛事的短期人流转化为城市的长期消费活力？通过精心策划和组织体育赛事，可以有效激发市 民参与热情，推动住宿、旅游、餐饮等行业的发展，进而提升城市形象和经济活力。"在全场嘉宾的见 证下，上海市商务委员会、中国银联、锦江国际集团、东浩兰生集团和浦发银行共同启动"跑马嗨购 节"，标志着赛事、消费、文旅三方生态形成闭环。 八项定制权益齐发力，联动商圈释放消费新活力。浦发银行"跑马嗨购节"活动以金融力量串联消费场 在2025上海马拉松(以下简称"上马")开跑之际，一场以"上海何以迎客来"为主题的活动于11月27日在上 海外滩FTC举行，来自国内外体育、文化、企业等领域的代表齐聚一堂，围绕服务、生态、责任话题开 展热烈讨论，以期破解城市迎客命题，为上海建设国际化服务标杆城市注入创新动能。浦发银行党委副 书记、行长谢伟，上海市商务委员会二级巡视员汤超，黄浦区副区长沈丹娜，中国银联党委委员、执行 副总裁胡浩中，锦江国际集团党委委员、财务总监蔡涛，东浩兰生集团副总裁周瑾，浦发银行总行零售 业务总监、总行零售业务部总经理张瑞林等出席。 地标共建：助力外滩FTC打造全球访客"首选地" "这片承载远东华尔街历史底蕴的外滩FTC ...

北京商报讯（记者 孟凡霞 周义力）11月27日，浦发银行发布公告，该行近期收到《国家金融监督管理 总局关于谢伟浦发银行董事、副董事长任职资格的批复》，国家金融监督管理总局已核准谢伟担任该行 董事、副董事长的任职资格。根据相关规定，谢伟自2025年11月26日起就任该行董事、副董事长。 ...

Group 1 - Hekang New Energy's subsidiary received a government subsidy of 6 million yuan, accounting for 58.27% of the company's latest audited net profit attributable to shareholders [1] - Anhui Construction won two major EPC projects with a total bid price of 2.603 billion yuan [2] - Tianrun Dairy's wholly-owned subsidiary received a government subsidy of 7.9094 million yuan, representing 18.12% of the company's audited net profit for 2024 [2] Group 2 - Yunnan Gold's subsidiary obtained a mining license for the Xinxiao County Tanxi Tungsten Mine, with a production capacity of 990,000 tons per year [5][22] - Yanzhou Coal Energy plans to acquire 100% equity of a high-end support company for 345 million yuan [6] - Heng Rui Pharmaceutical received approval for multiple drug clinical trials, including Sulfate Amexitin tablets [8] Group 3 - Huazhi Jie plans to invest 157 million yuan to establish five wholly-owned subsidiaries to expand its global strategy [1] - Junting Hotel's controlling shareholder is planning a change of control, leading to a continued suspension of trading [4] - Funi Technology's shareholder plans to reduce its stake by up to 1.68% [10] Group 4 - Midea Group's subsidiary received a government subsidy of 6 million yuan, which is 58.27% of the company's latest audited net profit [1] - Hunan Gold's subsidiary obtained a mining license for tungsten, iron, and silver, with a production scale of 990,000 tons per year [5][22] - Xin Hua Pharmaceutical received approval for the listing application of Acetate Prednisone raw material [24][25] Group 5 - Zhejiang Pharmaceutical plans to spin off its subsidiary for a listing on the Hong Kong Stock Exchange [28] - Kesheng Technology plans to invest 61.2 million yuan to acquire 51% of Shenzhen Guanding [30] - Tian Shan Aluminum's 1.4 million tons electrolytic aluminum green low-carbon energy efficiency improvement project has commenced production [38]

本公司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。 近日，上海浦东发展银行股份有限公司（以下简称"公司"）收到《国家金 融监督管理总局关于谢伟浦发银行董事、副董事长任职资格的批复》（金复〔2025〕 679号），国家金融监督管理总局已核准谢伟先生公司董事、副董事长的任职资 格。 公告编号：临2025-074 证券代码：600000 证券简称：浦发银行 优先股代码：360003 360008 优先股简称：浦发优1 浦发优2 上海浦东发展银行股份有限公司 关于副董事长任职资格获核准的公告 特此公告。 上海浦东发展银行股份有限公司董事会 2025 年 11 月 27 日 根据相关规定，谢伟行长自2025年11月26日起就任公司董事、副董事长。 ...

浦发银行公告，近日，公司收到《国家金融监督管理总局关于谢伟浦发银行董事、副董事长任职资格的 批复》（金复〔2025〕679号），国家金融监督管理总局已核准谢伟先生公司董事、副董事长的任职资 格。谢伟行长自2025年11月26日起就任公司董事、副董事长。 ...

Group 1 - The banking sector saw a slight increase of 0.34% on November 27, with Shanghai Pudong Development Bank leading the gains [1] - The Shanghai Composite Index closed at 3875.26, up 0.29%, while the Shenzhen Component Index closed at 12875.19, down 0.25% [1] - Major banks' stock performance included Shanghai Pudong Development Bank at 11.62 with a rise of 1.22%, and China Merchants Bank at 43.19 with a decline of 0.14% [1] Group 2 - The net outflow of main funds in the banking sector was 33.61 million yuan, while retail funds saw a net inflow of 47.02 million yuan [1] - Specific banks like China Merchants Bank had a net inflow of 88.82 million yuan from main funds, but also experienced a net outflow of 48.14 million yuan from retail investors [1] - The overall trend showed that while some banks attracted main fund inflows, others faced significant outflows, indicating mixed investor sentiment [1]

Core Insights - The article highlights the efficient service and innovative products of Shanghai Pudong Development Bank (SPDB), particularly the "Puxin Loan" designed for technology-oriented and quality small and medium-sized enterprises [1][2] - The case study illustrates how SPDB's proactive approach and streamlined processes enabled a rapid loan approval and disbursement, addressing the urgent funding needs of a new materials technology company [2] Group 1: Product and Service Features - "Puxin Loan" offers high approval efficiency, flexible limits, and broad applicability, making it a crucial financial product for small and medium enterprises [1][2] - The product leverages financial technology and specialized risk control to create customized financing solutions for diverse operational scenarios [1] Group 2: Case Study and Impact - A new materials technology company based in Beijing, with operations in Heze, faced challenges with traditional loan products due to slow approval processes and complex procedures [2] - SPDB's customer manager proactively engaged with the company, leading to a rapid loan approval process where a 10 million yuan loan was disbursed within three working days [2] - The successful collaboration has led the company to transfer its main settlement and employee payroll services to SPDB, expanding the partnership beyond just credit services [2] Group 3: Future Directions - SPDB plans to continue optimizing service processes and advancing product innovation through the "Puxin Loan" to provide high-quality financial services to more small and medium enterprises [2]

Core Insights - The article highlights the efficient service and innovative products of Shanghai Pudong Development Bank (SPDB), particularly the "Puxin Loan" designed for technology-oriented and quality small and medium-sized enterprises (SMEs) [2][3] - The case study illustrates how SPDB's quick response and tailored financing solutions effectively addressed the urgent liquidity needs of a new materials technology company [2][3] Group 1: Product Features - "Puxin Loan" offers high approval efficiency, flexible limits, and broad applicability, making it a crucial financial product for SMEs [2] - The product leverages financial technology and specialized risk control to create customized financing plans for diverse operational scenarios [2] Group 2: Service Efficiency - The SPDB branch in Heze demonstrated cross-regional service capabilities by establishing a customer manager service team to expedite the loan process [2] - A customer manager traveled nearly 800 kilometers in one day to verify materials, confirm needs, and optimize the financing plan, resulting in a loan disbursement of 10 million yuan within three working days [2] Group 3: Client Relationship Development - The efficient service not only alleviated the company's financial pressure but also built trust, leading to a comprehensive financial partnership beyond just credit cooperation [3] - The company has since moved its main settlement and employee payroll services to SPDB, indicating a deepening of the business relationship [3] Group 4: Future Outlook - SPDB plans to continue optimizing service processes and advancing product innovation through the "Puxin Loan" to provide high-quality financial services to more SMEs [3] - The bank aims to support the high-quality development of the local real economy through these initiatives [3]