责任编辑：秦艺 12月10日金融一线消息，华夏银行发布第九届董事会第十三次会议决议公告，会议审议通过《关于本行 与北京银行股份有限公司日常关联交易额度的议案》，同意核定与北京银行日常关联交易额度1398亿 元。其中，授信类关联交易授信额度450亿元，非授信类关联交易额度948亿元。 责任编辑：秦艺 12月10日金融一线消息，华夏银行发布第九届董事会第十三次会议决议公告，会议审议通过《关于本行 与北京银行股份有限公司日常关联交易额度的议案》，同意核定与北京银行日常关联交易额度1398亿 元。其中，授信类关联交易授信额度450亿元，非授信类关联交易额度948亿元。 ...

Core Viewpoint - The integration of technology and finance is crucial for enhancing risk management in the banking sector, especially in combating the rising trend of telecom fraud [1][2][3] Group 1: Technology and Risk Management - 华夏银行 has developed the "火眼" anti-fraud system to provide early identification, warning, and intervention against fraud risks [1][2] - The bank employs a dual mechanism of "technology empowerment + human intervention" to strengthen its fraud prevention efforts [1][8] - The system has successfully prevented significant financial losses for clients, demonstrating its effectiveness in real-time fraud detection [2][5] Group 2: Case Studies of Fraud Prevention - A case involving a 67-year-old client,董女士, highlights the system's ability to detect unusual account activity and prevent a potential loss of 5000 yuan [2][3] - Another incident on August 29 showcased the bank's rapid response to an account manipulation attempt, where staff intervened within minutes to protect the client's funds [4][6] - The collaboration between the bank and law enforcement has proven essential in safeguarding clients' assets, as seen in the case of a 60-year-old client,解女士, who was targeted by scammers [6][7] Group 3: Customer Engagement and Support - The bank emphasizes the importance of family involvement in fraud prevention, creating a multi-layered defense mechanism that includes real-time alerts and family communication [8][9] - Positive customer feedback and gratitude reflect the bank's commitment to protecting clients' financial security and building trust [5][9] - The bank aims to continue enhancing its fraud prevention strategies while maintaining a focus on customer service and community trust [9]

Investment Rating - The report assigns a "Buy" rating for the banking sector, indicating an expectation that stock prices will outperform the market by more than 10% over the next 12 months [40]. Core Insights - The growth of M2 is primarily driven by government and corporate leverage, with government leverage's contribution increasing from 23.9% in 2015 to 45.5% in 2025, while corporate leverage is expected to contribute 63.6% to M2 growth in 2025 [5][14]. - The report highlights a divergence between the social financing (社融) and M2 growth rates, indicating a liquidity accumulation in the financial system when the demand for financing from the real economy is insufficient, which can lead to a decline in bond yields [5][19]. - The expected social financing-M2 differential for 2026 is projected to be 0.56%, with a quarter-on-quarter increase of 33 basis points [32]. Summary by Sections M2 and Liquidity Analysis - M2 includes cash, personal deposits, corporate deposits, non-bank deposits, and deposits from non-deposit financial institutions. The main contributors to M2 growth are government and corporate leverage [5][13]. - The report discusses the relationship between the social financing-M2 differential and bond market performance, noting a shift in correlation since the second half of 2022 [5][19]. Social Financing Projections - For 2026, the report forecasts a total of 16.3 trillion yuan in new loans under the social financing framework, with a growth rate of 8.11% [32][34]. - The report anticipates that the net issuance of government bonds will reach 14.8 trillion yuan in 2026, with a focus on maintaining a proactive fiscal policy [34]. M2 Growth Forecast - The M2 growth rate for 2026 is projected at 7.55%, influenced by factors such as net fiscal deposits, the strengthening of the equity market, and cross-border capital flows [32][36].

一、关于本行与董监高及其相关关联方关联交易 《关于本行与董监高及其相关关联方关联交易的议案》已履 行董事会关联交易控制委员会和独立董事专门会议审查、董事会 审议程序，董事对本人及其相关关联方与本行关联交易事项回避 表决。上述事项符合国家金融监督管理总局、中国证券监督管理 委员会和上海证券交易所等部门的监管要求，符合《华夏银行股 份有限公司章程》《华夏银行股份有限公司关联交易管理办法》 及其他内部制度的相关规定；议案中涉及的关联交易是本行与董 监高及其相关关联方发生的日常金融产品、服务关联交易，遵循 一般商业公允原则，不存在损害本行及中小股东利益的情况，对 本行正常财务状况和经营成果无重大不利影响，不影响本行独立 性。我们同意本行与董监高及其相关关联方的关联交易事项。 二、关于本行与北京银行股份有限公司日常关联交易额度 《关于本行与北京银行股份有限公司日常关联交易额度的 华夏银行股份有限公司独立董事的独立意见 议案》已履行董事会关联交易控制委员会和独立董事专门会议审 查、董事会审议程序，相关关联董事已回避表决。本次核定北京 银行股份有限公司日常关联交易总额度人民币 1,398 亿元事项， 符合中国证券监督管理委 ...

A 股代码：600015 A 股简称：华夏银行 编号：2025—60 华夏银行股份有限公司日常关联交易公告 华夏银行股份有限公司（以下简称"本公司"）董事会已审议并通过《关于本 行与北京银行股份有限公司日常关联交易额度的议案》，同意核定与北京银行股 份有限公司日常关联交易额度人民币 1,398 亿元。其中，授信类关联交易授信额 度人民币 450 亿元（不含关联方提供的保证金存款以及质押的银行存单和国债金 额），非授信类关联交易额度人民币 948 亿元。 ●股东大会审议 本公司与北京银行股份有限公司日常关联交易额度，尚需提交股东大会审议。 ●关联交易影响： 上述关联交易是本公司日常业务中所发生的交易，有利于深化双方业务合作， 促进共同发展，不存在损害本公司及中小股东利益的情况，对本公司正常财务状 况和经营成果无重大不利影响，不影响本公司独立性。 一、日常关联交易基本情况 （一）日常关联交易履行的审议程序 本公司第九届董事会第十三次会议于 2025 年 12 月 9 日审议并通过《关于本 行与北京银行股份有限公司日常关联交易额度的议案》。 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 ...

证券代码：600015 证券简称：华夏银行 公告编号：2025-62 华夏银行股份有限公司 关于召开2025年第二次临时股东大会的通知 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。 重要内容提示： 一、 召开会议的基本情况 召开的日期时间：2025 年 12 月 26 日 9 点 00 分 召开地点：北京市东城区建国门内大街 22 号华夏银行大厦二层多功能厅 (五)网络投票的系统、起止日期和投票时间 网络投票系统：上海证券交易所股东大会网络投票系统 网络投票起止时间：自2025 年 12 月 26 日 采用上海证券交易所网络投票系统，通过交易系统投票平台的投票时间为股 东大会召开当日的交易时间段，即 9:15-9:25，9:30-11:30，13:00-15:00；通过互 联网投票平台的投票时间为股东大会召开当日的 9:15-15:00。 1 股东大会召开日期：2025年12月26日 本次股东大会采用的网络投票系统：上海证券交易所股东大会网络投票 系统 (一)股东大会类型和届次：2025年第二次临时股东大会 (二)股东大会召 ...

会议书面审阅了《关于华夏银行 2025 年上半年监管通报及整改情况的报告》《华 夏银行重大操作风险事件报告（第 2 期）》《华夏银行重大操作风险事件报告（第 3 期）》。 特此公告。 华夏银行股份有限公司监事会 2025 年 12 月 11 日 1 本行监事会及全体监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。 华夏银行股份有限公司（以下简称"华夏银行"或"本行"）第九届监事会第六次会 议以书面传签方式召开。会议通知和材料于 2025 年 12 月 4 日以电子邮件方式发出， 表决截止日期为 2025 年 12 月 9 日。会议应发出书面传签表决票 9 份，实际发出书面 传签表决票 9 份，在规定时间内收回有效表决票 9 份。会议的召开符合《中华人民共 和国公司法》等法律、行政法规、部门规章、规范性文件及《华夏银行股份有限公司 章程》的有关规定，会议合法有效。经与会监事审议，会议做出如下决议： 审议并通过《关于本行与董监高及其相关关联方关联交易的议案》。 表决结果：赞成 9 票，反对 0 票，弃权 0 票。 A 股代码：600015 A 股简称 ...

一、审议并通过《关于本行与董监高及其相关关联方关联交易的议案》。 1.关于本行与董事及其相关关联方关联交易 表决结果：赞成 15 票，反对 0 票，弃权 0 票。 董事对本人及其相关关联方与本行关联交易事项回避表决，有表决权的董事 一致同意本议案本事项。 2.关于本行与监事及其相关关联方关联交易 A 股代码：600015 A 股简称：华夏银行 编号：2025—59 华夏银行股份有限公司 第九届董事会第十三次会议决议公告 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。 华夏银行股份有限公司（以下简称"华夏银行"或"本行"）第九届董事会 第十三次会议以书面传签方式召开，会议通知和材料于 2025 年 12 月 4 日以电子 邮件方式发出，表决截止日期为 2025 年 12 月 9 日。会议应发出书面传签表决票 16 份，实际发出书面传签表决票 16 份，在规定时间内收回有效表决票 16 份。 会议的召开符合《中华人民共和国公司法》等法律、行政法规、部门规章、规范 性文件及《华夏银行股份有限公司章程》的有关规定，会议合法有效。经与会董 ...

Core Insights - The awards for financial bond underwriting and market-making have been announced, recognizing various banks and securities firms for their outstanding performance in the industry [1][2][3][4][5][6][7] Group 1: Outstanding Underwriters - The title of "Outstanding Underwriter" was awarded to several banks, including CITIC Bank, Shanghai Pudong Development Bank, and Industrial and Commercial Bank of China [1][2] - A total of 10 banks were recognized as "Excellent Underwriters," highlighting their contributions to the financial bond market [1] Group 2: Excellent Market Makers - The "Excellent Market Maker" category included firms such as Huatai Securities and CITIC Securities, showcasing their role in enhancing market liquidity [2][4] - A diverse range of banks, including Ping An Bank and Industrial Bank, were acknowledged for their market-making capabilities [2][4] Group 3: Special Awards - Special awards were given for various categories, including "Debt Sea Rising Award" and "Green Low Carbon Award," recognizing banks like Agricultural Bank of China and Postal Savings Bank of China for their innovative approaches [3] - The "Technology Innovation Award" was awarded to banks that demonstrated significant advancements in financial technology [3] Group 4: Individual Recognitions - Individual awards were presented to key personnel from various banks, such as CITIC Bank's Sun Wei and China Everbright Bank's Liu Yan, acknowledging their leadership in driving financial bond initiatives [4][5] - The "Outstanding Underwriting Supervisor" category highlighted individuals from major banks, emphasizing the importance of leadership in underwriting processes [5]

Core Viewpoint - The article highlights the significant increase in the transfer of non-performing assets (NPAs) by commercial banks, particularly focusing on Huaxia Bank's recent launch of over 11.3 billion yuan in credit card NPA packages, marking a new high in the industry for a single institution's asset disposal [1][3]. Group 1: Huaxia Bank's NPA Transfer - Huaxia Bank has launched eight credit card NPA packages totaling 11.3 billion yuan, which is a record for a single institution's asset disposal in recent times [1][3]. - The total number of loans in these packages ranges from 21,738 to 37,202, with the largest package (the 13th) amounting to 2.032 billion yuan and the smallest (the 20th) at 990 million yuan [1][4]. - The 11.3 billion yuan in NPAs represents 69.53% of Huaxia Bank's total personal non-performing loan balance of 162.35 billion yuan as of June 2025 [4][5]. Group 2: Industry Trends in NPA Disposal - The traditional model of centralized disposal by head offices is being replaced by a trend where branches lead the disposal of NPAs, reflecting a shift in the industry [3][9]. - Multiple banks, including state-owned and joint-stock banks, are increasingly initiating NPA disposal projects through their branches, supported by policy changes that allow branches to act as sellers [9][10]. - The market for NPA disposal is becoming more efficient as branches have a better understanding of local market conditions, which aids in accurate asset valuation and pricing [11]. Group 3: Market Dynamics and Challenges - The rise in NPAs is attributed to external factors affecting borrowers' repayment abilities, leading to an increase in personal non-performing loans [5][8]. - The average discount rate for credit card NPA packages is approximately 4.4%, suggesting that the final transaction prices for these asset packages will likely fall between 46 million yuan and 90 million yuan [5][6]. - Local asset management companies are becoming the primary buyers of these NPAs, indicating a growing acceptance of this asset disposal format in the market [6][7].