新华财经上海12月7日电（记者王淑娟）在7日举办的"上海加快'五个中心'建设研讨会"上，浦发银行董事长张为忠围绕上海国际金融中心建设的优势、挑战 与未来路径发表主旨演讲。他指出，经过多年发展，上海国际金融中心实现历史性跨越。对标全球领先金融中心，未来仍需在国际化、离岸金融体系完善、 规则参与等维度进行突破。 第三是产业协同优势。依托长三角制造业与科技产业高地，上海形成了金融与实体产业深度联动的独特生态。2024年上海GDP达5.39万亿元，跻身全球城市 前5位，其中三大先导产业贡献突出；更关键的是，上海制造业占比显著高于纽约、伦敦，这种"金融+实体"的均衡优势，成为区别于传统国际金融中心的核 心特征。 | . | 得運輸 | | --- | --- | | 3 | 不 | | し | で | | 5 | E | | 依托: | | | 先行: | રૂ | | J | | | 4 | | 五大优势奠定发展根基，产业与金融联动形成独特竞争力 张为忠总结了上海国际金融中心建设的五大核心优势，为进一步升级筑牢基础。 首先是规模与体系优势。上海金融市场年交易额超3600万亿元，不仅规模增速领先全球，更形成了覆盖股票、 ...

Core Insights - The credit card market in China is experiencing a significant contraction, with a total issuance of 707 million cards as of Q3 2025, down from 715 million in Q2 2025 and a peak of 807 million in Q3 2022, marking a decline of approximately 100 million cards over three years [2][3] - The non-performing loan (NPL) rate for credit cards has risen to 2.40% as of mid-2025, indicating increasing pressure on asset quality within the banking sector [5][6] Credit Card Issuance Trends - The total number of credit cards has been on a downward trend for 12 consecutive quarters, with a notable reduction of 800 million cards in Q3 2025 compared to the previous quarter [2] - Major banks have reported a significant decrease in credit card loan balances, with a reduction of nearly 600 billion yuan in the first half of 2025 compared to the end of 2024 [3] - Credit card transaction volumes have also declined, with an overall decrease of approximately 8% year-on-year, particularly affecting banks like China Merchants Bank and Bank of Communications [3] Factors Influencing Market Contraction - The contraction in the credit card market is attributed to multiple factors, including regulatory policies that encourage banks to move away from aggressive card issuance and the rise of mobile payments and internet credit tools that are replacing traditional credit card usage [4] - Banks are shifting their focus from merely expanding card issuance to more refined management and risk control strategies [4] Asset Quality Concerns - The total amount of overdue credit card loans has increased from 842.85 billion yuan in Q2 2022 to 1,239.64 billion yuan by the end of 2024, indicating a growing concern over asset quality [5] - The average NPL rate for credit card overdrafts among 12 domestic banks has risen from 2.33% at the end of 2024 to 2.40% by mid-2025, with specific banks like ICBC and CCB reporting even higher rates [5] Risk Management and Asset Disposal - In response to rising NPLs, banks are accelerating the disposal of non-performing assets, with over 260 billion yuan in personal loan asset packages being transferred in November alone [6] - Notable cases include large asset packages from banks like Minsheng Bank and SPDB, indicating a proactive approach to managing credit risk [6] Operational Adjustments in Banking - Banks are implementing cost-cutting measures, including the closure of credit card centers and integrating credit card operations into broader retail banking strategies [7] - The future of credit card services is expected to focus on providing safer and more value-added financial services rather than merely promoting overspending [7] - The competitive landscape is likely to favor larger banks with strong risk management capabilities, while smaller banks will need to find ways to attract and retain customers without compromising on risk [7]

民生期货 浦发银行银期签约/解约流程 个人手机银行签约 1：登录浦发银行APP，首页——点击"全部"。 2：选择投资理财一栏下面的"银证期"。 期货开户 银期转账 银期签约 明细查询 签约管理 选期商 | 线上便捷开户 P A B I th 签约人信息 客户姓名 | 身份证号 | | | --- | --- | | 手机号码 | | | 签约信息 | | | 签约账户 | | | 服务商 | | | 业务类型 | 银期转账 | | 资金账号 | 请输入您的资金账号 | | 推荐人工号 | 选填(10位以内) | | 我已阅读并同意《上海浦东发展银行期货业务客户服务协 议》、《个人信息处理规则(电子渠道版)》、《个人信 | | | 息单独同意授权书(电子渠道版)》 | | 4：在签约页面中选择民生期货，输入资金账号，阅读并同意协议并按确认进行签约。 个人网银签约 1：登录浦发银行个人网银首页。 财富甄选 童令 32 C l ■ 我的 信用卡 财富 生活 首页 浦闪贷3%起 t 信用卡 账户 财富 转账支付 贷款 财富 ◆ 米 P 活 理财 存款 活期宝 喜美 C 证券 相当 得险 灵活+ 私 | 3：点击银期签 ...

Core Viewpoint - Shanghai Pudong Development Bank (SPDB) has received approval from the National Financial Regulatory Administration to acquire Han Cheng Pudong Village Bank and establish a new branch in Weinan, as well as to acquire Fufeng Pudong Village Bank and establish a branch in Baoji [1][2] Group 1 - SPDB is authorized to acquire Han Cheng Pudong Village Bank and establish the Weinan Han Cheng Branch, taking over all assets, liabilities, business, and employees after the bank's asset verification [1] - The approval mandates SPDB to comply with relevant laws and regulations during the acquisition process and to ensure the termination of the legal entity of Han Cheng Pudong Village Bank [1][2] - After the establishment of the new branch, SPDB must submit an application for opening to the Weinan Regulatory Bureau [1][2] Group 2 - SPDB is also approved to acquire Fufeng Pudong Village Bank and establish the Baoji Fufeng Branch, similarly taking over all assets, liabilities, business, and employees post asset verification [1][2] - The approval requires SPDB to adhere to legal requirements and oversee the termination of the legal entity of Fufeng Pudong Village Bank [2] - SPDB must follow the necessary procedures to apply for the opening of the Baoji branch after its establishment [2]

12月5日金融一线消息，国家金融监督管理总局宝鸡监管分局发布关于上海浦东发展银行股份有限公司 收购扶风浦发村镇银行股份有限公司并设立分支机构的批复，同意上海浦东发展银行股份有限公司收购 扶风浦发村镇银行股份有限公司并设立上海浦东发展银行股份有限公司宝鸡扶风支行，承接扶风浦发村 镇银行股份有限公司清产核资后的资产、负债、业务和员工等。 责任编辑：秦艺 12月5日金融一线消息，国家金融监督管理总局宝鸡监管分局发布关于上海浦东发展银行股份有限公司 收购扶风浦发村镇银行股份有限公司并设立分支机构的批复，同意上海浦东发展银行股份有限公司收购 扶风浦发村镇银行股份有限公司并设立上海浦东发展银行股份有限公司宝鸡扶风支行，承接扶风浦发村 镇银行股份有限公司清产核资后的资产、负债、业务和员工等。 责任编辑：秦艺 ...

论坛现场（浦发银行苏州分行供图） 在苏州区域实践中，浦发银行苏州分行始终与区域经济发展同频共振。今年8月，分行与苏州市政府签 署战略合作协议，未来五年将为苏州高质量发展提供总额度约3000亿元的融资支持，重点打造具有苏州 特色的科技金融与财富管理服务模式。 在科技金融领域，截至2025年9月末，苏州分行科技贷款余额达459亿元，稳居苏州股份制同业第一；累 计服务科技金融客户近9900户，科创板上市公司覆盖率95%、专精特新"小巨人"客群覆盖率61%，成为 科创企业创新旅程的"合伙人"。在财富管理领域，通过"企明星服务平台"与"浦和人生账户""浦发寰球 平台"，为企业家提供"家业、家财、家族"综合解决方案，助力实现企业成长、财富保全与代际传承的 多重目标。 12月2日，由21世纪经济报道长三角工作室与浦发银行苏州分行联合主办的"破局增长，智驭未来——企 业家财富战略与金融动能"企业家论坛在浦发银行苏州分行二楼会议厅举行。 浦发银行苏州分行党委副书记、副行长何荣表示，2025年作为浦发银行"数智化战略提升年"，银行以科 技金融、供应链金融、普惠金融、跨境金融、财资金融"五大赛道"为核心抓手，聚焦"超级平台、超级 ...

Core Viewpoint - The annual review of the CSI Dividend Index has resulted in the removal of 20 constituent stocks, including Shanghai Pudong Development Bank and Baosteel, while adding 20 new stocks such as China National Offshore Oil Corporation and China Merchants Bank. The adjustments will take effect after the market closes on December 12 [1][2]. Group 1: Index Adjustments - The CSI Dividend Index has replaced exactly 20 constituent stocks, adhering to the rule that sample changes generally do not exceed 20% [2][3]. - In comparison, the CSI Low Volatility Dividend Index replaced 29 stocks, indicating a higher turnover rate than the CSI Dividend Index [3]. Group 2: Market Capitalization and Dividend Yield - The newly added stocks, including China Merchants Bank, Xiamen Bank, and Zheshang Bank, have a total market capitalization of approximately CNY 1.08 trillion, CNY 189.75 billion, and CNY 837.67 billion, respectively. In contrast, the removed Shanghai Pudong Development Bank has a market capitalization of about CNY 372 billion [3]. - The dividend yields for the newly added banks are notably higher, with China Merchants Bank at 4.63%, Xiamen Bank at 4.04%, and Zheshang Bank at 5.40%, compared to Shanghai Pudong Development Bank's yield of only 3.32% [3][4]. Group 3: Dividend Payment Trends - Shanghai Pudong Development Bank's dividend payout ratios for 2022-2024 are 18.4%, 25.7%, and 27.4%, respectively, which remain below the common industry benchmark of 30%, indicating a conservative dividend policy [4]. - The CSI Dividend Index has implemented three quarterly dividends this year and has a total of 14 dividends since its inception, with a cumulative dividend amount of CNY 3.65 per ten shares. The annual dividend ratios over the past five years have been consistently high, averaging around 4.5% [4]. Group 4: Financial Performance of Shanghai Pudong Development Bank - As of the end of September, Shanghai Pudong Development Bank's total assets reached CNY 9.892 trillion, reflecting a year-on-year growth of 4.55% [5]. - The bank reported a net profit attributable to shareholders of CNY 38.82 billion for the first three quarters, marking a 10.2% increase compared to the previous year [5][6]. - However, the bank's revenue growth has been weak, with a total operating income of CNY 132.28 billion, showing only a 1.9% increase year-on-year, which is significantly lower than the industry average [6].

【导读】上海银行新添一位副行长，此前曾任浦发银行总行零售业务部总经理 中国基金报记者 马嘉昕 12月4日，上海银行发布公告称，该行于近日收到国家金融监督管理总局上海监管局的行政批复，陈雷 出任该行副行长的任职资格已经获得核准。 新副行长系浦发"老将" 今年8月28日，上海银行曾发布公告称，该行决定聘任陈雷为副行长，任期与第六届董事会任期一致。 时隔3个月后，陈雷正式出任上海银行副行长一职。 公开资料显示，陈雷出生于1978年5月，毕业于上海交通大学工商管理专业，工商管理硕士，经济师、 政工师；2000年7月参加工作，就职于浦发银行。 从过往履历来看，陈雷从浦发银行基层一路成长起来，曾任浦发银行陆家嘴支行主办科员、市场部见习 经理，张江支行市场科科长，上海市政府驻西藏办事处业务处业务员（正科级）（挂职），总行团委书 记，上海自贸试验区分行党委委员、副行长，天津分行党委委员、纪委书记、副行长，上海分行党委委 员、副行长，宁波分行党委书记、行长，浦发银行总行直属党委委员、总行零售业务部（消费者权益保 护部）总经理。 2024年12月，陈雷还获选上海国际信托董事，并于2025年3月获准出任相关职务。据悉，浦发银行为该 ...

Core Points - Xici Technology announced the investment of 2 million yuan in wealth management products, specifically "Zhou Zhou Xin Stable 2" from Shanghai Pudong Development Bank, with an expected annual yield of 1.60% [2] Group 1 - The total amount invested by the company in wealth management products is 2 million yuan [2] - The investment is made using idle self-owned funds [2] - The wealth management product has no fixed term [2]

二、浦发银行龙岩分行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自上海浦东 发展银行政许可决定作出之日起3个月内到任，并按要求及时报告到任情况。未在上述规定期限内到任 的，本批复文件失效，由决定机关办理行政许可注销手续。 三、浦发银行龙岩分行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固树立 风险合规意识，熟悉任职岗位职责，忠实勤勉履职。 2025年11月26日，龙岩金融监管分局发布批复称，《上海浦东发展银行厦门分行关于郭阿芳同志拟任龙 岩分行副行长的请示》（浦银鹭发〔2025〕149号）收悉。经审核，现批复如下： 一、核准郭阿芳浦发银行（600000）龙岩分行副行长的任职资格。 ...