华夏银行股份有限公司 关于召开 2025 年半年度业绩说明会的公告 本行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。 重要内容提示： 会议召开时间：2025 年 8 月 29 日(星期五)上午 11:00-12:00 会 议 召 开 地 点 ： 上 海 证 券 交 易 所 上 证 路 演 中 心 （ 网 址 ： https://roadshow.sseinfo.com/） 会议召开方式：上证路演中心网络互动 A 股代码：600015 A 股简称：华夏银行 编号：2025—45 （ 二 ） 会 议 召 开 地 点 ： 上 海 证 券 交 易 所 上 证 路 演 中 心 （ 网 址 ： https://roadshow.sseinfo.com/） （三） 会议召开方式：上证路演中心网络互动 1 三、 参加人员 本行行长瞿纲先生，副行长、财务负责人、董事会秘书杨伟先生及一名独立董 事等相关人员将参加说明会。 投资者可于 2025 年 8 月 22 日(星期五)至 8 月 28 日(星期四)16:00 前登录上 证路演中心网站首页，点击" ...

Group 1 - The core viewpoint of the articles highlights the increasing restrictions imposed by banks on the use of credit card funds for stock market investments and other non-consumption activities, aiming to mitigate financial risks associated with such practices [2][3] - Since August, nearly 20 banks have announced prohibitions on the use of credit card funds for investments in stocks, funds, futures, cryptocurrencies, and other financial products, emphasizing a clear stance against these practices [2] - Specific banks, such as Minsheng Bank and Huaxia Bank, have detailed their policies, stating that credit card cash advances cannot be used for investment, debt repayment, or any activities outside of consumption [2] Group 2 - Analysts indicate that investing in the stock market is a high-risk activity, and using credit card funds for such purposes could lead to increased credit card delinquency rates due to potential investment losses [3] - The use of credit card funds for long-term investments distorts the credit structure and affects banks' liquidity management, which is a concern for financial institutions [3] - Regulatory bodies have previously clarified that credit card funds should not be used for non-consumption purposes, and banks' actions serve as a warning to investors about the potential consequences of violating these regulations [3]

Group 1 - The core viewpoint is that multiple banks have issued strict regulations prohibiting the use of credit card funds for stock market investments and other financial activities, aiming to mitigate financial risks [1][2] - Since August, nearly 20 banks have announced restrictions on credit card funds flowing into the stock market, explicitly stating "no" to investments in stocks, funds, futures, cryptocurrencies, and other financial products [2] - The rationale behind these regulations includes the high-risk nature of stock market investments, which can lead to decreased repayment ability for cardholders and increased credit card delinquency rates [2] Group 2 - Banks are emphasizing that credit card funds are intended for short-term consumer credit and should not be used for long-term investments, which could distort credit structures and affect liquidity management [2] - Regulatory authorities have previously clarified that credit card funds should not be used for non-consumption purposes, and banks' actions serve to prevent financial risks while warning investors about potential penalties for misuse of funds [2]

从资金流向上来看，当日股份制银行板块主力资金净流入2.04亿元，游资资金净流出1.41亿元，散户资金 净流出6307.31万元。股份制银行板块个股资金流向见下表： 证券之星消息，8月20日股份制银行板块较上一交易日上涨0.21%，光大银行领涨。当日上证指数报收于 3766.21，上涨1.04%。深证成指报收于11926.74，上涨0.89%。股份制银行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 601818 | 光大银行 | 3.95 | 0.51% | 140.28万 | 5.54亿 | | 600016 | 民生银行 | 4.71 | 0.43% | 185.82万 | 8.75 Z | | 600015 | 华夏银行 | 7.82 | 0.39% | 43.72万 | 3.42 Z | | 601916 | 浙商银行 | 3.31 | 0.30% | 169.85万 | 5.63亿 | | 601998 | 中信银行 | 7.97 | 0.25% | 51.56万 ...

近期，A股市场持续回暖。记者注意到，进入8月以来，包括民生银行（600016）、华夏银行 （600015）等在内的十多家金融机构陆续发布公告，重申信用卡资金严禁流入股市等投资领域。 今年5月，农业银行（601288）信用卡中心发文提醒，信用卡资金不得用于偿还贷款、投资（包括但不 限于金条等投资性贵金属、股票、期货、理财、基金、有现金价值的人身保险）等领域，严禁流入政策 限制或者禁止性领域。另外，建设银行（601939）、兴业银行（601166）、广发银行等多家银行也曾发 布公告，明确禁止信用卡资金流向黄金、股票等投资领域，违者将面临管控措施。 "信用卡资金本质是短期消费信贷，若被长期占用用于投资，将扭曲信贷结构，影响银行流动性管 理。"8月19日，针对银行陆续发布公告再次提醒信用卡资金严禁流入股市的情形，博通咨询首席分析师 王蓬博接受《每日经济新闻》记者采访时表示。 并非首次限制 8月1日，陕西农信发布公告，再次明确"信用卡资金不得用于投资理财领域，如购买股票、基金、期 货、理财产品、虚拟币、投资性贵金属、股权投资等"。 公告指出，若信用卡资金用于以上或其他非消费领域，则有可能交易失败。对于持卡人违规用卡、出 ...

Core Viewpoint - Several commercial banks in China have announced strict prohibitions against using credit card funds for stock trading, highlighting regulatory compliance and risk management concerns [1][2]. Group 1: Regulatory Actions - Since August, multiple banks, including Weibi Rural Commercial Bank and Huaxia Bank, have issued announcements prohibiting the use of credit card funds for investment activities such as purchasing stocks, funds, and futures [3]. - Minsheng Bank has stated that from September 18, 2025, credit card cash advance transfers will be subject to controlled amounts, restricting their use for non-consumption activities [3]. Group 2: Risk Management Concerns - According to researcher Lou Feipeng from Postal Savings Bank of China, using credit card funds for stock market investments poses risks of regulatory non-compliance and increased repayment pressure on cardholders, potentially leading to higher non-performing asset pressures for banks [2]. - Lou Feipeng suggests that banks should establish a scientific and reasonable performance evaluation system for credit card business, emphasizing compliance and risk management indicators over other metrics [2].

8月18日，国家金融监督管理总局山西监管局最新行政处罚信息显示，时任华夏银行太原北城支行副行长任承旺，因对原华夏银行股份有限公司太原北城支 行贷后管理不尽职负有责任，被处以7年禁业的严厉处罚。 国家金融监督管理总局河北监管局行政处罚信息公开表（冀金罚决字〔2025〕12号 | 序 | 当事人名称 | 行政处罚决定 | 主要违法违规行 | 行政处罚内 | 作出决定机 | | --- | --- | --- | --- | --- | --- | | 를 | | 书文号 | 为 | 容 | 关 | | 1 | 华夏银行股份 | 冀 金 罚 决 字 | 贷后管理不到 | 罚款 30万 | 河北金融临 | | | 有限公司廊坊 | | 位，贷款资金被 | 元 | | | | 分行 | | 挪用 | | | | 2 | 王爱军(时任 | 〔2025〕 12号 | 对贷后管理不到 位、贷款资金被 | 警告并罚款 | 管局 | | | 华夏银行股份 | | | | | | | 有限公司廊坊 | | | 5万元 | | | | | | 挪用负有责任 | | | | | 分行行长) | | | | | | 序 | 当事人 | ...

Core Viewpoint - The recent surge in the Shanghai Composite Index has led to increased retail investor participation, prompting banks to reiterate that credit card funds are prohibited from being used for investments in stocks, funds, and cryptocurrencies [1][4][10]. Group 1: Bank Announcements and Regulations - Several banks, including Shaanxi Rural Credit, have issued announcements clarifying that credit card funds cannot be used for investment purposes, including stocks, funds, futures, and other financial products [5][8]. - Shaanxi Rural Credit has outlined potential penalties for cardholders who violate these regulations, including account freezes and credit score impacts [5][6]. - Other banks, such as Minsheng Bank and Huaxia Bank, have also updated their policies to restrict the use of credit card cash advances for investment activities [8][9]. Group 2: Risks and Concerns - There is a growing concern among banks regarding the misuse of credit card funds for stock market investments, particularly through cash advances and fraudulent transactions [2][11]. - The high interest rates associated with cash advances (approximately 18.25% annualized) make them a risky option for investors, further complicating the financial landscape [11]. - Instances of individuals sharing experiences of leveraging loans for stock investments highlight the potential for significant financial losses and the risks associated with such practices [12][13]. Group 3: Recommendations and Future Measures - Experts suggest that financial institutions should enhance monitoring of credit card fund usage to prevent misuse and protect consumers [14]. - Recommendations include utilizing financial technology to improve risk management and establishing a comprehensive monitoring system for credit fund flows [14]. - Strengthening the social credit system and increasing penalties for misuse of credit funds are also proposed to deter such behaviors [14].

Core Viewpoint - The People's Bank of China is implementing a pilot program to clarify the comprehensive financing costs of corporate loans, allowing businesses to understand all associated costs upfront, thereby reducing financing costs and enhancing transparency [1][2][4]. Group 1: Pilot Program Implementation - The pilot program for clarifying corporate loan costs began in September 2024 across five provinces: Shanxi, Jiangxi, Shandong, Hunan, and Sichuan [1]. - The program involves banks and enterprises filling out a "Loan Clarity Sheet" that details interest and non-interest costs, ensuring transparency and protecting consumer rights [1][2]. Group 2: Impact on Financing Costs - The pilot has led to a noticeable decrease in financing costs for small and medium-sized enterprises, with banks now providing clearer information on loan costs [2][4]. - For example, a small enterprise saved over 20,000 yuan by understanding the full cost breakdown through the "Loan Clarity Sheet" [3]. Group 3: Enhanced Transparency and Trust - The "Loan Clarity Sheet" lists all loan-related costs, including interest and various fees, reducing information asymmetry and allowing businesses to make informed decisions [4][8]. - This initiative has prompted banks to improve their services and tailor products to better fit the needs of enterprises, thereby fostering trust between banks and businesses [7][9]. Group 4: Case Studies of Cost Savings - A case study highlighted that a business was able to switch to a lower interest loan after filling out the "Loan Clarity Sheet," resulting in significant savings [6]. - Another example showed a company avoiding a 30,000 yuan "bridge fee" by utilizing a no-repayment loan renewal process, demonstrating the practical benefits of the program [9].

从资金流向上来看，当日股份制银行板块主力资金净流入3.27亿元，游资资金净流出8754.9万元，散户资 金净流出2.39亿元。股份制银行板块个股资金流向见下表： | 代码 | 名称 | 主力净流入(元) | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入 (元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 600000 浦发银行 | | 1.06亿 ﮯ | 15.65% | -3959.94万 | -5.84% | -6648.73万 | -9.81% | | 600036 招商银行 | | 9793.37万 | 3.93% | -4550.66万 | -1.82% | -5242.71万 | -2.10% | | 601166 兴业银行 | | 9596.85万 | 9.16% | -2153.61万 | -2.06% | -7443.23万 | -7.10% | | 601998 中信银行 | | 5510.35万 | 11.60% | -1388.74万 | -2.92% | -4121.61万 | -8 ...