Group 1 - The core viewpoint of the news is that Shanghai Pudong Development Bank (SPDB) has shown a positive stock performance with a 19.23% increase in stock price year-to-date and a recent 2.08% rise in intraday trading [1] - As of December 18, SPDB's stock price reached 11.78 yuan per share, with a total market capitalization of 392.34 billion yuan [1] - The net inflow of main funds was 58.43 million yuan, with significant buying activity from large orders, indicating strong investor interest [1] Group 2 - SPDB reported a revenue of 132.28 billion yuan for the first nine months of 2025, reflecting a year-on-year growth of 1.88%, while the net profit attributable to shareholders increased by 10.21% to 38.82 billion yuan [3] - The bank has distributed a total of 153.82 billion yuan in dividends since its A-share listing, with 31.22 billion yuan distributed over the last three years [4] - As of September 30, 2025, the number of SPDB shareholders increased by 2.58% to 119,100, with an average of 263,265 circulating shares per shareholder [3]

此次跨境年会既是过往合作成果的总结，更是未来生态协同的启动。浦发银行上海分行将以此为纽带，持续深化跨境生态建设，与各界伙伴携手同心，聚力 同行，共拓跨境金融新征程，书写高质量发展新篇章。 浦发银行 SPDBANK stangui Bo ch (2) 发银行 BANK AT 2000 100 US I TOD WATER 近年来，浦发银行聚焦科技金融、供应链金融、普惠金融、跨境金融及财资金融五大赛道，深耕业务纵深布局，以高质量金融供给赋能实体经济高质量发 展。作为核心赛道之一，该行跨境金融业务凭借数智化转型持续突破，极速汇、极速证等明星产品大幅提升结算效率，跨境E站通平台实现业务"一点接 入"，跨境结算、融资、财资管理等数智化场景不断丰富，为跨境贸易高质量发展筑牢金融支撑。 在跨境生态持续完善、业务蓬勃发展的背景下，12月16日，浦发银行上海分行成功举办"跨境无界，浦写未来"2025年跨境年会，百余家重点合作伙伴齐聚一 堂，共话跨境出海发展新机遇，共商生态协同新路径。本次年会上，面对企业出海过程中的市场选择、合规风控、文化融合、供应链重构等复杂挑战，浦发 银行上海分行发起"跨境+合作伙伴计划"，携手同业、保险、 ...

Core Viewpoint - The trend of banks discontinuing co-branded credit cards is increasing, reflecting changes in market dynamics and consumer behavior, leading to a focus on more efficient product offerings [1][4][7]. Group 1: Discontinuation of Co-branded Credit Cards - Guangfa Bank announced the discontinuation of five co-branded credit cards starting February 1, 2026, due to the expiration of cooperation agreements [1]. - Major banks, including state-owned banks and regional commercial banks, have also stopped issuing co-branded credit cards across various sectors such as e-commerce and travel [1][4]. - The phenomenon of discontinuing co-branded credit cards is becoming common, with banks like Zhejiang Rural Commercial Bank and Wuhan Rural Commercial Bank ceasing to issue specific co-branded cards [4][5]. Group 2: Market Changes and Challenges - The credit card market has become saturated, with many users holding multiple cards that are underutilized, prompting banks to streamline their offerings [7][8]. - The decline in the effectiveness of co-branded credit cards is attributed to changing market conditions, where banks struggle to maintain profitable partnerships with co-branding entities [7][8]. - The operational costs associated with maintaining co-branded cards, including high authorization fees and marketing expenses, have led banks to reduce their product lines [6][8]. Group 3: Organizational Adjustments - Banks are undergoing structural changes, closing down several regional centers and consolidating their credit card operations to improve efficiency [9][10]. - The integration of credit card functionalities into main banking apps is a trend, with institutions like Bank of China shutting down independent credit card apps to streamline services [9][10]. - The focus is shifting from acquiring new customers to enhancing the value of existing customer relationships through tailored services and benefits [10]. Group 4: Future Outlook - The total number of credit cards in circulation has decreased significantly, with a drop of approximately 1 billion cards, or 12%, from the peak in June 2022 [10]. - The future competitiveness of banks will depend on their ability to leverage credit cards to enhance retail service offerings and respond to evolving consumer needs [10].

Core Viewpoint - The article provides an overview of Shanghai Pudong Development Bank's recent stock performance, financial results, and market sentiment, indicating a stable growth trajectory in revenue and profit despite minor fluctuations in stock price and trading volume [1][2]. Financial Performance - For the first three quarters of 2025, the bank reported a total revenue of 132.28 billion yuan, representing a year-on-year increase of 1.88% [2] - The net profit attributable to shareholders reached 38.819 billion yuan, up 10.21% year-on-year [2] - The bank's net profit excluding non-recurring items was 38.9 billion yuan, reflecting a 14.54% increase year-on-year [2] - In Q3 2025, the bank's revenue was 41.721 billion yuan, a slight increase of 0.31% year-on-year [2] - The net profit for Q3 was 9.082 billion yuan, up 10.29% year-on-year [2] - The net profit excluding non-recurring items for Q3 was 8.916 billion yuan, showing a significant increase of 24.61% year-on-year [2] - The bank's liability ratio stood at 91.5%, with investment income reported at 18.867 billion yuan [2] Stock Performance and Market Sentiment - As of December 17, 2025, the stock price closed at 11.54 yuan, down 0.09% with a turnover rate of 0.18% [1] - The trading volume was 608,900 hands, with a total transaction value of 705 million yuan [1] - On the same day, the net inflow of main funds was 1.5411 million yuan, accounting for 0.22% of the total transaction value [1] - Retail investors experienced a net outflow of 12.0662 million yuan, representing 1.71% of the total transaction value [1] Analyst Ratings - Over the past 90 days, six institutions have provided ratings for the stock, with five giving a "buy" rating and one an "accumulate" rating [3] - The average target price set by analysts over the past 90 days is 15.79 yuan [3]

Core Viewpoint - The article highlights the challenges faced by technology-oriented small and micro enterprises in securing funding due to their asset-light nature, lack of collateral, and long R&D cycles. It emphasizes the role of SPDB Changchun Branch in providing financial support through its "Puxin Loan" product, which facilitates seamless loan renewals to sustain innovation in these companies [1][2]. Group 1: Challenges Faced by Technology Enterprises - Technology-oriented small and micro enterprises often experience funding pressure during loan renewals due to characteristics such as being asset-light, lacking collateral, and having long R&D cycles [1]. - A specific case is presented where a high-tech company in Jilin Province, recognized as a specialized and innovative small and medium-sized enterprise, faced difficulties in repaying a loan while needing funds for R&D and production upgrades [1]. Group 2: SPDB Changchun Branch's Solutions - SPDB Changchun Branch focuses on the full lifecycle needs of technology enterprises, utilizing the "Puxin Loan" product to support these companies through a no-repayment renewal mechanism [1]. - The bank's team assessed the company's patent value, R&D investment, and market orders to facilitate a loan renewal of 10 million yuan within three working days, without requiring additional collateral [1]. Group 3: Future Plans - The bank plans to continue implementing inclusive finance policies and establish clear standards for technology loan renewals, ensuring that technology enterprises can secure financing effectively [2].

从需求对接、方案设计到审批放款，浦发银行长春分行仅用10个工作日便完成全流程办理，4户商户均 实现"一次申请、批量获批"。该场景化服务模式不仅提高了融资效率，更通过集中授信降低了单个企业 的融资成本。浦发银行长春分行将持续复制该模式，深化与农业产业平台合作，让更多产业链末梢的小 微企业获得稳定资金支持。（商斯扬） 编辑：赵鼎 转自：新华财经 浦发银行长春分行紧跟总行"浦绘乡村"品牌建设步伐，围绕"5+4+N"乡村振兴金融服务体系，以"平台 化+批量服务"模式，将金融服务嵌入产业链场景，通过定制化方案破解农产品流通领域小微企业融资 难题。近日，针对长春某玉米批发平台内商户资金需求，浦发银行长春分行量身打造批量融资方案，一 次性为4户核心交易商授信4000万元，为秋粮收购注入金融动能。 浦发银行长春分行组建专项服务团队深入调研，创新采用"核心平台+商户"批量服务模式：以该批发中 心交易数据、结算流水为授信依据，由平台提供信用增信，为入驻商户设计统一授信方案。吉林省某粮 食贸易公司作为首批受益企业，常年为本地饲料厂供应玉米，此次获批1000万元授信额度后，迅速完成 新粮收购入库。 ...

Core Viewpoint - The article highlights the commitment of SPD Bank's Lanzhou branch to serve the real economy through innovative financial solutions, particularly in supply chain finance, which has become a primary focus area for enhancing regional economic resilience [1][7]. Group 1: Supply Chain Finance Initiatives - SPD Bank's Lanzhou branch has established supply chain finance as its main track, launching a series of effective solutions to address challenges in the industrial chain and enhance economic resilience [1][7]. - The bank has created the "浦链通" product to facilitate the smooth flow of funds within the industrial chain, thereby energizing the development of upstream and downstream enterprises [1][7]. - The bank's initiatives include the "浦链铁军" team, which integrates party building with business development to promote widespread understanding and implementation of supply chain finance [2][8]. Group 2: Focus on Cultural and Tourism Industry - The bank has introduced the "浦链通+浦掌柜" comprehensive financial service plan to support the cultural and tourism sector, addressing financing difficulties faced by small and medium-sized enterprises [3][9]. - This year, the bank has provided approximately 100 million yuan in financing to the cultural and tourism industry, successfully implementing a case study involving a 5A scenic area [3][9]. Group 3: Support for Key Enterprises - SPD Bank has collaborated with the People's Bank to offer online accounts receivable financing services to the JinChuan Group, a Fortune 500 company, providing over 600 million yuan in financing to its supply chain [4][10]. - The financing service leverages the integration of information flow, business flow, capital flow, and logistics to enhance efficiency across the supply chain [4][10]. Group 4: Addressing Industry Pain Points - The bank has developed a unique supply chain business model to address the long payment cycles and slow financing in the construction industry, facilitating rapid fund recovery for suppliers [5][11]. - The "浦链通" product has enabled online operations for accounts receivable, serving nearly 150 suppliers in the construction sector and providing over 300 million yuan in financing [5][11]. Group 5: Deepening Energy Sector Engagement - SPD Bank has focused on providing tailored financial solutions for the energy sector, particularly for the State Grid, with over 2.5 billion yuan in funding to support green energy initiatives [6][12]. - The bank has introduced innovative financial products to alleviate cash flow pressures for electricity-consuming enterprises, enhancing the efficiency of fund circulation within the energy supply chain [6][12].

阳泉开创投资控股集团有限公司作为市属重点国企，在区域产业升级、实体经济发展中发挥着重要作 用。浦发银行太原分行精准把握企业直接融资需求，通过债券投资业务搭建高效融资桥梁，不仅为企业 锁定了优质融资资源、降低了融资成本，更助力企业将募集资金精准投向主营业务发展，为地方产业结 构优化升级注入金融动能。 据介绍，作为服务地方经济发展的金融主力军，浦发银行太原分行始终聚焦区域核心主体融资需求，以 创新金融服务助力实体经济高质量发展。浦发银行太原分行相关负责人表示，未来，该行将持续聚焦区 域核心国企、重点产业主体的金融需求，不断深化直接融资业务布局，以更专业的金融产品、更精准的 服务举措，衔接企业多元化融资诉求，为区域实体经济高质量发展贡献更多浦发力量。 山西晚报·山河+讯（记者 张珍 通讯员 郑惠帆 刘雨轩）近日，浦发银行太原建设路支行成功参与 阳泉开创投资控股集团有限公司2025年首期公司债券投资，以1.1亿元认购金额，为企业5亿元债券发行 提供坚实金融支撑，实现区域国企直接融资的重要突破。 据悉，此次发行的公司债券创下两项区域行业纪录，该债券既是山西省内AA主体非煤企业发行的首单 此类债券，更以2.52%的票面利 ...

Regulatory - Sichuan, Chongqing, and Guizhou have expanded the consumer loan interest subsidy policy to local banks, encouraging more banks to participate in the subsidy program and adapt financial products to consumer scenarios [2] - The current round of consumer loan subsidies is a continuation of previous policies, with a nationwide consumer loan interest subsidy policy officially launched in August, involving six major state-owned banks and twelve national joint-stock banks as initial participating institutions [2] Banking - Yibin Bank has been approved to increase its registered capital from 3.9 billion to 4.5884 billion RMB, with an increase of 688.4 million RMB [2] - Shanghai Pudong Development Bank's Kunming branch was fined 500,000 RMB for serious negligence in the "three checks" of loans [3] - The vice chairman of Cangzhou Bank has had his appointment qualifications approved by the Hebei Financial Regulatory Bureau [4] Large Companies - Changsha Bank plans to increase its investment in its subsidiary, Hunan Changyin 58 Consumer Finance Co., Ltd., by no more than 1.55 billion RMB, subject to regulatory approval [5][6] - The increase aims to enhance the capital strength of Changyin 58, improve its risk resistance capabilities, and promote sustainable development [6] - Jin Bo has been promoted from deputy general manager to general manager of Puda Credit, with a background in credit, social credit, and digital finance [6]

浦发银行抚州分行的成立，是浦发银行落实国家金融改革部署、防范化解金融风险、优化区域战略布局、提升金融服务能级的重要成果，也是浦发银行南昌 分行完善服务网络、服务区域经济社会发展的具体行动。浦发银行党委委员、公司业务总监汪素南出席揭牌仪式并向抚州分行负责人授牌，南昌分行班子成 员、相关部门负责人和抚州分行干部员工代表参加仪式。 当天，浦发银行抚州分行及其辖属抚州临川支行、抚州唱凯支行同时揭牌开业。至此，浦发银行南昌分行在江西省开设的网点总数达41家，进一步完善立足 南昌、辐射全省的金融服务网络。 转自：新华财经 12月12日，浦发银行抚州分行揭牌正式开业，成为浦发银行南昌分行辖属的第6家二级分行，标志着浦发银行收购村镇银行设立的首家二级分行焕新启航， 同时也成为江西省内村镇银行改革后设立二级分行机构的首个成功案例。 编辑：穆皓 浦发银行南昌分行党委书记、行长郝佳表示，20年来，浦发银行南昌分行认真贯彻落实江西省委、省政府决策部署，紧跟监管要求和总行战略导向，以服务 全省经济社会高质量发展为己任，统筹运用多元金融服务模式，多渠道引资入赣，累计向江西提供各类融资超8000亿元，成为助推江西经济社会发展的重要 金融力 ...