地处粤港澳大湾区，该行聚焦外籍来深人员支付需求，全辖网点开设境外来华人员绿色服务通道，口岸 附近网点推出"口岸外汇悦行"服务，着力提升外籍来深人士的消费体验。不管是在街头小店尝口地道小 吃，还是在商场挑选心仪好物，让支付的便利成为感受烟火气的小助攻，尽享旅途里的每一份自在与惊 喜。 当前，快捷支付已成为银行服务民生、助力消费的重要纽带，浦发银行深圳分行依托快捷支付业务，构 建支付服务新生态，让金融服务更智能、更便利、更温暖。 优化系统，推进支付顺畅 支付立减，助力消费增长 携手华为，共建支付生态 当银行的支付福利遇上华为的硬核实力，一场"省钱+焕新"的双重惊喜正在发生。今年以来，该行携手 华为支付积极探索消费场景融合，打造"浦发惠支付，华为支付专享"活动，面向华为用户提供浦发卡首 绑及支付优惠，最高可享188元立减优惠，让消费者把精打细算与品质生活稳稳握在掌心。 多措并举，提升来华便利 随机减免的几块钱、突然跳出的惊喜折扣，每一次支付都藏着未知的彩蛋，让花钱这件事多了份拆盲盒 般的期待感。浦发银行微信支付立减活动覆盖餐饮、电商、交通等日常高频消费场景，上半年以来，活 动已累计惠及用户491万人次。 指尖轻轻一 ...

Core Viewpoint - The establishment of the Bay Area Cross-Border M&A Alliance in Shenzhen marks a significant development in providing cross-border M&A syndication services for Bay Area enterprises, with a total of 10 billion yuan in syndicate M&A credit approved on the same day [1][2]. Group 1: Alliance Formation and Structure - The Bay Area Cross-Border M&A Alliance was formed with a "bank-led" characteristic, with East Asia Bank (China) serving as the chairman and 8 banks signing a 10 billion yuan syndicate M&A credit agreement [3]. - The alliance includes both foreign and domestic banks, with 4 foreign banks and 4 domestic banks participating in the syndicate [3]. - The alliance has over 50 member institutions, including banks, securities companies, insurance firms, asset management companies, venture capital, and intermediary service organizations [4]. Group 2: Initial Projects and Participants - The first batch of signed enterprises includes listed companies such as Shengtun Mining, Aorijin, Zhuhai Huafa, and China Water Affairs, indicating a focus on companies with established market presence [5][6]. - The sectors involved in the initial projects include non-ferrous metals, urban water supply, aquaculture feed, and electronic information [7]. Group 3: Financing Mechanism - The financing for the M&A projects utilizes a syndicate loan model, which allows multiple banks to jointly provide credit, typically resulting in larger amounts and longer terms [8]. - Specific projects include Aorijin's 570 million yuan equity acquisition loan for a project in Saudi Arabia and Shengtun Mining's 9700 million USD equity acquisition loan for an Indonesian nickel mining company [8][9]. Group 4: Market Context and Policy Support - The global M&A market is showing signs of recovery, with a 27% year-on-year increase in M&A activity since 2025, driven by cross-border and large-scale transactions [11]. - Recent policy changes from the National Financial Regulatory Administration have relaxed restrictions on commercial bank M&A loans, increasing the maximum loan-to-value ratios and extending loan terms [12].

Core Viewpoint - The announcement from Shanghai Pudong Development Bank's Credit Card Center indicates the discontinuation of services related to the Alipay channel's official account and mini-programs starting from October 15, 2025, urging cardholders to use the Pudong Bank's app for financial services [1] Group 1 - Shanghai Pudong Development Bank's Credit Card Center will stop providing services through Alipay's official account and mini-programs [1] - The cessation of these services is set to take effect on October 15, 2025 [1] - Cardholders are encouraged to download the Pudong Bank's Pudong Happy App for more timely and convenient financial services [1]

本报记者 金婉霞 当数字化浪潮席卷各行各业，企业经营管理正经历着从"线下人工"向"线上智能"的深刻变革。但在最高频、最基础的人事 管理、薪酬核算、财务费控等核心场景中，由于流程繁琐、数智化改造难度大、投入多等原因，大量中小微企业仍采取传统人 工作业模式，存在用工管理繁琐、薪资管理效率低下、数据割裂等痛点。 在此背景下，上海浦东发展银行股份有限公司（以下简称"浦发银行"）以银行企业级资源为依托，聚焦广大中小微企业的 薪资管理场景，通过打造和集成金融及非金服务各类功能组件，以"系统重构、能力聚合、体验一致、双客服务全面升级"为要 务，全面焕新浦发银行"靠浦薪"业务系统及服务体系，于8月26日正式发布"靠浦薪"一站式人事薪资服务平台。这是一款集薪 酬代发、人事管理、财务费控、员工陪伴于一体的一站式人财事数字服务平台，旨在以金融科技为笔，为广大企业用户的数字 化转型描摹出新的可能，进一步展现浦发银行数智化战略下以用户体验为核心的服务价值主张。 顺势而为：从痛点突围到生态重构 解码靠浦薪的诞生逻辑 企业管理的痛点，往往藏在日复一日的琐碎里。 某制造企业的财务总监曾坦言："每月发薪日就像'渡劫'，5000多名员工的考勤数 ...

Core Points - SPD Bank's credit card center announced that it will cease providing services through Alipay's official account and mini-programs starting from October 15, 2025 [1] - Users are encouraged to download the SPD Bank Credit Card Center's app, "浦大喜奔," for financial services [1] Group 1 - SPD Bank will stop offering credit card services via Alipay channels, indicating a strategic shift in its service delivery [1] - The announcement highlights the bank's focus on promoting its own app for customer engagement and service access [1]

近日，浦发银行太原分行成功为某企业办理首单错币种海外代付业务，在该企业进口信用证项下对外支 付环节，通过联动香港分行锁定境外购汇汇率，发放代付融资款项4270万元。这一突破既是该行深耕跨 境金融赛道、践行数智化战略的生动实践，也为山西外贸企业破解币种错配难题、降低融资成本提供了 高效金融方案。 作为服务实体经济的重要举措，错币种海外代付业务通过境内外银行协同，为进口企业提供跨币种融资 支持——当企业需以某一外币支付货款却希望以其他币种融资时，境内银行可指示境外代理行按指定外 币完成支付，企业则以约定币种偿还融资本息。该业务不仅能利用境内外利差降低融资成本，还不占用 企业短期外债指标，支持人民币与多种外币灵活组合，在简化操作流程的同时，精准匹配跨境贸易中的 币种错配需求。此次业务落地，依托浦发银行"境内+境外"联动的数智化服务网络，实现了汇率锁定、 融资发放全流程线上化处理，既契合企业对资金效率的高要求，也彰显了分行在跨境金融领域的专业能 力。 浦发银行太原分行相关负责人表示，将以此次业务为起点，持续深化数智化战略在跨境金融领域的应 用，聚焦外贸企业在汇率管理、资金周转等方面的需求，打造更多定制化解决方案。通过 ...

Market Overview - On August 26, the share price of the joint-stock bank sector fell by 0.64% compared to the previous trading day, with Huaxia Bank leading the decline [1] - The Shanghai Composite Index closed at 3868.38, down 0.39%, while the Shenzhen Component Index closed at 12473.17, up 0.26% [1] Individual Bank Performance - The closing prices and changes for individual banks are as follows: - Shanghai Pudong Development Bank: 14.03, unchanged - Industrial Bank: 22.88, down 0.31% - Ping An Bank: 12.36, down 0.72% - CITIC Bank: 8.02, down 0.74% - China Merchants Bank: 43.52, down 0.80% - Everbright Bank: 3.96, down 1.00% - Minsheng Bank: 4.73, down 1.05% - Zhejiang Commercial Bank: 3.33, down 1.19% - Huaxia Bank: 7.87, down 1.25% [1] Capital Flow Analysis - The joint-stock bank sector experienced a net outflow of 81.03 million yuan from main funds, while speculative funds saw a net inflow of 114 million yuan, and retail investors had a net outflow of 32.54 million yuan [1] - Detailed capital flow for individual banks shows: - Shanghai Pudong Development Bank: Main funds net inflow of 13.2 million yuan, speculative funds net outflow of 60.72 million yuan, retail net outflow of 70.99 million yuan - CITIC Bank: Main funds net inflow of 61.73 million yuan, speculative funds net outflow of 4.00 million yuan, retail net outflow of 57.74 million yuan - Minsheng Bank: Main funds net inflow of 40.61 million yuan, speculative funds net inflow of 34.64 million yuan, retail net outflow of 75.25 million yuan - Huaxia Bank: Main funds net inflow of 34.71 million yuan, speculative funds net outflow of 0.50 million yuan, retail net outflow of 29.72 million yuan - Everbright Bank: Main funds net outflow of 29.75 million yuan, speculative funds net inflow of 37.21 million yuan, retail net outflow of 0.75 million yuan - Industrial Bank: Main funds net outflow of 44.71 million yuan, speculative funds net inflow of 72.56 million yuan, retail net outflow of 27.85 million yuan - Ping An Bank: Main funds net outflow of 54.80 million yuan, speculative funds net outflow of 0.38 million yuan, retail net inflow of 58.56 million yuan - Zhejiang Commercial Bank: Main funds net outflow of 10.40 million yuan, speculative funds net inflow of 42.15 million yuan, retail net inflow of 62.32 million yuan - China Merchants Bank: Main funds net outflow of 116 million yuan, speculative funds net inflow of 0.45 million yuan, retail net outflow of 116 million yuan [2]

Group 1 - The core viewpoint of the articles emphasizes the importance of financial support for the stable development of foreign trade, highlighting the initiatives taken by SPDB Beijing Branch to enhance cross-border financial services for enterprises [1][2] - SPDB Beijing Branch is focused on building a "super platform, super products, and super systems" to support foreign trade enterprises in maintaining operations, production capacity, and market stability [1] - The bank has introduced the "Cross-Border Policy Station" to address common challenges faced by enterprises in understanding foreign exchange management policies and operational processes, providing tailored policy interpretation solutions [1][2] Group 2 - The "Cross-Border Policy Station" aims to help enterprises bridge the gap in policy understanding, offering simplified explanations, scenario-based examples, and professional advice for cross-border operations [2] - As of June this year, the number and amount of overseas investment registration (ODI) services handled by SPDB Beijing Branch have increased by over 100% compared to the same period last year [2]

Core Viewpoint - The article highlights the efforts of SPD Bank's Tianjin branch in promoting financial education and risk awareness among community residents, particularly targeting the elderly to protect their financial security through various outreach activities [1][2][3]. Group 1: Financial Education Initiatives - SPD Bank's Tianjin branch integrates financial education into daily operations, conducting regular activities in communities to deliver professional financial knowledge directly to residents [1]. - A recent event titled "Safe Card Usage and Anti-Fraud Together" was organized in collaboration with multiple organizations, focusing on educating the elderly about financial risks and fraud prevention [1][2]. Group 2: Community Engagement and Participation - Financial volunteers employed innovative methods such as distributing easy-to-understand brochures, setting up consultation booths, and providing real-time Q&A sessions to engage community residents [2]. - The event attracted significant participation, with residents expressing appreciation for the practical and relatable nature of the financial safety information provided [3]. Group 3: Practical Skills and Tools - Volunteers conducted hands-on demonstrations on identifying suspicious bank transactions, setting secure passwords, and enabling account alerts, enhancing residents' self-protection capabilities [3]. - The initiative included guidance on downloading the "National Anti-Fraud Center APP," equipping residents with essential tools to combat fraud effectively [3]. Group 4: Future Plans and Commitment - SPD Bank's Tianjin branch plans to continue expanding its financial education efforts, targeting various demographics and designing diverse activities to meet different financial needs and risk profiles [3]. - The bank remains committed to its "Finance for the People" mission, aiming to innovate its outreach methods and enrich service offerings to ensure the financial safety of the community [3].

Core Viewpoint - Shanghai Pudong Development Bank (SPDB) is implementing a personal consumption loan interest subsidy policy to boost domestic consumption and demand, effective from September 1, 2025, to August 31, 2026 [1] Summary by Sections Subsidy Scope - The subsidy applies to personal consumption loans issued by SPDB, excluding credit card transactions, specifically for consumption purposes identifiable through loan accounts [1][2] Application Timeline - The subsidy program will commence on September 1, 2025 [3] Subsidy Rate - The interest subsidy rate is set at an annualized 1%, with a maximum limit of 50% of the loan contract interest rate [4] Maximum Subsidy Amount - Each borrower can receive a total subsidy of up to 3,000 yuan, corresponding to eligible consumption of 300,000 yuan, with a specific cap of 1,000 yuan for loans under 50,000 yuan [5] Application Process - Customers can apply for the subsidy through standard loan procedures, requiring a supplementary agreement and authorization for SPDB to verify consumption transactions [6] Receiving Subsidy Funds - The subsidy amount will be directly deducted from the loan interest during the loan settlement process for eligible customers [7] Inquiry About Subsidy Amount - Customers can check their subsidy amounts via SPDB's mobile banking app or receive notifications via SMS [8] Fees for Subsidy - SPDB will not charge any fees for processing the consumption loan or subsidy applications, and customers are advised to avoid third-party intermediaries [9] Consequences of Misuse - SPDB will enforce strict measures against fraudulent activities related to subsidy claims, including legal actions and blacklisting for severe violations [10]