Group 1 - The core point of the article is that Huaxia Bank has received approval from the National Financial Supervision Administration for Zhu Xiaofang to serve as an independent director [1] Group 2 - The announcement was made on the evening of July 30 [1] - The approval signifies a step in governance and oversight for Huaxia Bank [1] - Zhu Xiaofang's appointment is expected to enhance the bank's independent oversight [1]

A 股代码：600015 A 股简称：华夏银行 编号：2025—41 祝小芳女士担任本行独立董事的任期自核准日 2025 年 7 月 28 日起生效，至 本行第九届董事会届满之日止。祝小芳女士简历详见本行于 2024 年 11 月 27 日 刊载于上海证券交易所网站（www.sse.com.cn）的《华夏银行股份有限公司第八 届董事会第四十九次会议决议公告》。 特此公告。 华夏银行股份有限公司董事会 2025 年 7 月 31 日 1 华夏银行股份有限公司关于独立董事任职资格 获国家金融监督管理总局核准的公告 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。 华夏银行股份有限公司（以下简称"本行"）于近日收到《国家金融监督管 理总局关于祝小芳华夏银行独立董事任职资格的批复》（金复〔2025〕443 号）。 国家金融监督管理总局已核准祝小芳女士担任本行独立董事的任职资格。 ...

证券之星消息，7月30日股份制银行板块较上一交易日上涨0.59%，平安银行领涨。当日上证指数报收于 3615.72，上涨0.17%。深证成指报收于11203.03，下跌0.77%。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) | | --- | --- | --- | --- | --- | --- | | 000001 | 平安银行 | 12.49 | 1.22% | 171.52万 | 21.50亿 | | 601998 | 中信银行 | 8.19 | 0.86% | 55.85万 | 4.58亿 | | 601818 | 光大银行 | 4.08 | 0.74% | 154.46万 | 6.31亿 | | 600000 | 浦发银行 | 12.88 | 0.70% | 72.16万 | 9.28 6 | | 600036 | 招商银行 | 44.42 | 0.63% | 72.55万 | 32.22 乙 | | 601916 | 浙商银行 | 3.43 | 0.29% | 205.64万 | 7.08亿 | | 601166 | 兴业银行 ...

经济导报记者 刘勇 与此同时，多家银行已经披露2025年中期分红计划。 受访的业内人士认为，银行推出中期分红可以让投资者更早享受银行成长红利。"从已披露2025年半年度业绩快报看，部分银行上半年营业收入和归母净 利润均有所增长，因此中期分红的总额也会有一定程度的增长。"银行业分析师张鹏博表示。 7月22日，成都银行发布2024年年度权益分派实施公告。根据公告，本次利润分配以总股本42.38亿股为基数，每股派发现金红利0.891元（含税），合计派 发现金红利约37.76亿元。股权登记日为7月25日，除权（息）日及现金红利发放日均为7月28日。 | 证券代码 | 证券名称 | 2024年度分红总额(亿元) | 2024年度现金分红比例(%) | | --- | --- | --- | --- | | 000001.SZ | 平安银行 | 117.9880 | 26.5094 | | 001227.SZ | 兰州银行 | 5.7527 | 30.4727 | | 002142.SZ | 宁波银行 | 59.4323 | 21.9089 | | 002807.SZ | 江阴银行 | 4.9228 | 24.1691 ...

低息差环境与转型压力之下，商业银行下半年经营路线图如何谋划？近期密集召开的年中工作会议给出答案。7月29日，北京商报记者梳理发现，农业银 行、广发银行、浦发银行、光大银行、华夏银行、平安银行、兴业银行、北京银行、苏州银行、长沙银行等多家银行近日召开2025年年中工作会议，金 融"五篇大文章"、优化业务结构、数字化转型等成为下半年银行工作的"关键词"，部分银行更将"反内卷"纳入工作要点。 业内分析人士指出，下半年银行业发力的核心仍要落在"实效"上。既要把"五篇大文章"的特色路径转化为具体业务的渗透率与客户获得感，也要让数字化转 型跳出技术堆砌的困境，真正嵌入业务流程以实现降本提效，同时需警惕低息差下的风险边际变化，在普惠小微、科创企业等领域平衡好规模扩张与资产质 量。 从数字化向数智化转型 在低息差持续的背景下，银行业正通过改革寻找新动能。平安银行零售端重塑信用卡竞争力、升级财富管理体系，对公端启动战略改革，以提升风险调整后 收益率为目标优化客群结构，下半年更将推进四大改革强化总行对一线的赋能支撑；农业银行则加速智慧银行建设，用科技为基层减负，以"客户满意、员 工满意"为目标优化业务流程；光大银行则提出平稳有序 ...

Core Viewpoint - The article highlights the innovative financial education initiatives by Huaxia Bank's branch offices in rural areas, focusing on enhancing financial literacy and fraud prevention among villagers through localized and engaging methods [1][3][11]. Group 1: Financial Education Initiatives - Huaxia Bank's Wuhan branch introduced a "dialect classroom + situational rehearsal" model to educate villagers about financial knowledge and fraud prevention, addressing the high incidence of telecom fraud in rural areas [1][3]. - The education approach includes using local dialects to simplify complex financial terms and creating relatable scenarios to help villagers understand fraud tactics [3][5]. - Interactive activities such as a "financial knowledge big wheel" and movie screenings on fraud prevention have been implemented to engage villagers and enhance learning [3][6]. Group 2: Impact on Villagers - The financial education efforts have significantly improved villagers' financial knowledge and fraud awareness, leading to the recovery of 80,000 yuan in fraud losses in 2025 and the designation of Guluochong Village as a "fraud prevention demonstration village" [3][10]. - In the Liangshan Yi Autonomous Prefecture, over 1,000 young people have been reached through financial education activities, helping them establish correct financial concepts [5][11]. - The initiatives have resulted in a doubling of financial service utilization, with the number of villagers using mobile banking increasing from 10 to 210 [10]. Group 3: Community Engagement - Huaxia Bank's Chengdu branch has established "financial knowledge service points" and conducted over 30 educational sessions, covering more than 2,000 villagers and preventing 12 illegal fundraising cases with potential losses exceeding 1.5 million yuan [5][6]. - The Kunming branch has created a "sunshine living room" for villagers to learn about financial policies and fraud prevention, conducting 15 warning sessions that reached over 500 people [6][8]. - The initiatives have fostered a community-driven approach to financial education, with villagers actively participating in discussions and learning sessions [9][11].

Core Insights - The 2025 Fortune China 500 list shows a significant increase in the number of commercial banks, rising from 28 to 33, marking a record high [1] - Regional banks are demonstrating strong performance, reflecting the deep empowerment of China's regional economic development strategies [2] - State-owned and joint-stock banks remain the backbone of the banking sector, with total revenues of approximately $1.33 trillion and profits exceeding $266.2 billion, accounting for about 35% of the overall profits of the Fortune 500 [3] Commercial Banks Performance - The total revenue of the 33 commercial banks in the list reached approximately $1.33 trillion, with a combined profit of over $266.2 billion [3] - Major state-owned banks like ICBC, ABC, and CCB maintained stable rankings, with ICBC leading at $221.46 billion in revenue [3][4] - Joint-stock banks showed mixed results, with China Merchants Bank improving its ranking to 49th with $70.39 billion in revenue [3][4] Regional Banks Highlights - Regional banks such as Jiangsu Bank, Beijing Bank, and Ningbo Bank performed well, with Jiangsu Bank ranking 162nd with $21.88 billion in revenue [5] - Chengdu Bank emerged as the "progress king" in the banking sector, climbing 35 places to rank 324th with $6.56 billion in revenue [6][7] - New entrants like Guangzhou Rural Commercial Bank and Chengdu Rural Commercial Bank made notable debuts, ranking 354th and 383rd respectively [7] Strategic Insights - The performance of regional banks is attributed to their ability to align with local economic strategies, providing ample credit demand and diverse opportunities [2][7] - Continuous improvement in corporate governance and a focus on differentiated services are essential for regional banks to achieve long-term value growth [7]

Core Viewpoint - The banking sector has shown steady progress in the first half of 2025, with various banks outlining their strategies for the second half, focusing on "Five Major Articles," reform, cost reduction, efficiency enhancement, and risk management [1][2][9]. Group 1: Performance and Strategy - Banks have reported stable performance in the first half of 2025, with Agricultural Bank achieving a total loan volume of 10 trillion yuan in county-level loans [2]. - Huaxia Bank emphasized its commitment to ten key actions to ensure steady growth and operational improvement [2]. - Guangfa Bank's total assets reached 3.69 trillion yuan, with a continuous decline in both non-performing loan balance and ratio [2]. - The "Five Major Articles" have become a guiding principle for banks, with institutions like Everbright Bank focusing on enhancing technology-driven financial services and green finance [2][3]. Group 2: Focus Areas for the Second Half - Banks are prioritizing key tasks such as stabilizing the real estate market, promoting consumption, and addressing internal competition [3][5]. - Agricultural Bank aims to enhance technology-driven financial innovation and improve supply for consumer and inclusive finance [3]. - Several banks, including Ping An Bank and Guangfa Bank, have initiated "anti-involution" measures to resist excessive competition and focus on long-term strategies [5][7]. Group 3: Risk Management - Risk management remains a central theme, with banks like Agricultural Bank emphasizing the need to enhance service quality while managing risks effectively [9][10]. - Ping An Bank has called for increased awareness of risk and compliance, focusing on rectifying key areas and managing public sentiment [10]. - Other banks, such as Huaxia Bank and Suzhou Bank, have highlighted the importance of solidifying risk management foundations and ensuring compliance with regulations [9][10].

1、央行：二季度末本外币绿色贷款余额增长14.4% 7月22日，中国人民银行发布2025年二季度金融机构贷款投向统计报告。根据报告，2025年二季度末， 本外币绿色贷款余额42.39万亿元，比年初增长14.4%，上半年增加5.35万亿元。分用途看，基础设施绿 色升级贷款、能源绿色低碳转型贷款、生态保护修复和利用贷款余额分别为18.75万亿元、8.25万亿元和 4.95万亿元，上半年分别增加2.11万亿元、5889亿元和5622亿元。分行业看，电力、燃气及水生产和供 应业绿色贷款余额8.66万亿元，上半年增加6742亿元；交通运输、仓储和邮政业绿色贷款余额7.64万亿 元，上半年增加6397亿元。 南方财经全媒体记者郭晓洁 21世纪经济报道记者李德尚玉 实习生叶方旋 广州报道 随着绿色金融市场的快速发展，相关的资讯和数据变得越来越丰富。绿色金融周报从宏观视角和机构绿 色金融实践等角度，关注绿色金融领域的最新前沿动态，追踪绿色金融市场的最新趋势，为绿色金融相 关参与方提供决策依据和参考。 一、重点关注 21碳中和课题组快评：上半年我国绿色贷款余额持续增长，且增长超过两位数，金融机构对绿色产业的 支持力度不断加大， ...

1. Report Industry Investment Rating - No information provided in the content 2. Core Views of the Report - Anti - involution policies affect commodity prices, shock the market's inflation expectations, and cause a significant adjustment in the bond market. Credit bond yields rise with interest rates, and most credit spreads widen, with secondary and perpetual (二永) bonds showing large fluctuations and high spread increases. Fund companies with the most unstable liability ends sell significantly, while insurance companies increase their buying efforts, and bank wealth management remains relatively stable. The trading enthusiasm for medium - and long - term bonds such as urban investment bonds, industrial bonds, and 二永 bonds remains high [2]. - It is too early to worry about negative feedback, with a very low probability. Market learning has improved the ability to respond, and there has been no change in macro - expectations. Moreover, bank wealth management's increasing consideration of liquidity in its configuration can prevent negative feedback [3]. - The asset shortage pattern remains unchanged and may even intensify. Interest rates may have short - term adjustments but do not support continuous and significant adjustments. Once interest rates stabilize, credit is likely to stabilize. After the market adjustment, it will be more difficult to further compress credit spreads compared to previous lows, and credit spreads are more likely to fluctuate. Investors need to seize phased trading opportunities [4]. - Investors should focus on coupon - bearing assets, and consider both coupon and trading operations for long - term bonds. For trading strategies, medium - and long - term 二永 bonds are recommended; for allocation strategies, sinking investment in urban investment bonds is still recommended. Wait for trading opportunities for ultra - long - term bonds [5]. 3. Summary by Relevant Catalogs 3.1 Market Review: Significant Correction, Noticeable Widening of 二永 Bond Spreads 3.1.1 Market Performance - This week, the credit bond market significantly corrected, and credit spreads widened. The stock market strengthened, and the bond market significantly corrected. Credit bond yields generally rose, especially for medium - and long - term 二永 bonds, which increased by over 10bp, with the 10Y 二永 bond correcting by up to 14.5bp. Most credit spreads widened, with 二永 bonds seeing more significant increases, while spreads of some medium - and long - term notes, enterprise bonds, and urban investment bonds of certain grades slightly narrowed [10]. - From a daily perspective, urban investment bond yields generally rose, with the adjustment amplitude first increasing and then decreasing, reaching a daily correction high on Thursday. From Monday to Tuesday, long - term 二永 bonds led the yield increase, but the overall amplitude was relatively small. From Wednesday to Thursday, the yield increase continued to expand, with long - term 二永 bonds correcting by over 5bp on Thursday and short - term bonds increasing by about 4bp. The long - and short - term yields of urban investment bonds and medium - term notes also increased by 3.5bp - 5bp. On Friday, the market continued to decline, but the amplitude narrowed. Credit spreads showed a divergent trend. Affected by the different adjustment speeds of credit bonds and interest - rate bonds, the spreads of 二永 bonds, known as "interest - rate amplifiers," generally widened, while the spreads of less - liquid urban investment bonds and medium - term notes were still slightly compressed in the early stage and widened on Friday [16]. 3.1.2 Insurance Continues to Allocate, Funds Sell on a Large Scale - Insurance companies' credit bond allocation remains strong. This week, insurance companies continued to be net buyers, with a net buying scale of 12.563 billion yuan, a 38.7% increase from the previous week. The net buying volume of ultra - long - term credit bonds over 5 years was 6.75 billion yuan, with the increase intensity remaining basically the same as last week [18]. - Funds sold credit bonds significantly this week, with a selling scale of 22.578 billion yuan. The net selling volume within 5Y was 12.738 billion yuan, and the net selling volume over 5Y was 7.474 billion yuan [18]. - Bank wealth management scale slightly increased. As of July 20, the bank wealth management scale was 31.02 trillion yuan, an increase of 0.06 trillion yuan from the previous weekend. This week, the net buying scales of wealth management and other product categories for credit bonds were 15.301 billion yuan and 13.078 billion yuan respectively, with month - on - month changes of 15.80% and 39.13% [21][22]. 3.1.3 Transaction Proportion: Decrease in Low - Rating Transaction Proportion - The transaction proportion of urban investment bonds, industrial bonds, and 二永 bonds with a remaining term of over 3 years was 30%, 29%, and 72% respectively, indicating that the transaction proportion of medium - and long - term bonds remained high. For urban investment bonds, the proportion of transactions under 3 years remained basically the same as last week, with the 3 - 5Y transaction proportion decreasing by 2 percentage points and the over - 5Y proportion increasing by 2 percentage points. For industrial bonds, the proportion of transactions within 1 year decreased by 1 percentage point, the 1 - 3Y proportion decreased by 2 percentage points, and the 3 - 5Y proportion increased by 3 percentage points. For 二永 bonds, the proportion of transactions within 1 year decreased by 1 percentage point, the 1 - 3Y proportion increased by 2 percentage points, and the 3 - 5Y proportion decreased by 3 percentage points [28]. - The proportion of low - rating transactions of non - financial credit bonds decreased this week. The proportion of transactions of urban investment bonds with a rating of AA(2) and below decreased by 1 percentage point from last week, the proportion of industrial bonds with a rating of AA and below decreased by 1 percentage point month - on - month, and the proportion of 二永 bonds with a rating of AA and below decreased by 3 percentage points from last week [29]. 3.2 Market Outlook: Redemption is Controllable, Seize Trading Opportunities 3.2.1 Redemption is Controllable, Seize Trading Opportunities - Reasons for market adjustment: With the continuous implementation of anti - involution policies, commodity futures prices have risen significantly, affecting the market's inflation expectations. The Nanhua Industrial Products Index, which reflects commodity price trends, has also risen significantly. Historically, this index has a certain forward - looking predictive effect on PPI. By observing the term structure of interest - rate swaps, indicators such as IRS FR007 5 - year - 1 - year and 1 - year - FR007 have quickly turned positive, indicating a change in the market's inflation expectations [31][33]. - Regarding the concern of negative feedback: It is too early to worry about negative feedback, with a very low probability. Market adjustments in September 2024 and March 2025 were more significant than the current one, but no obvious negative feedback occurred. The key lies in the increasing consideration of liquidity in bank wealth management's configuration. Since April this year, the absolute amount and proportion of inter - bank certificate of deposit (NCD) allocation have been at historically high levels, enabling wealth management to handle market fluctuations. As long as bank wealth management remains stable, the key link of market negative feedback can be stopped [38][40]. - Analysis of tight funds: The funding situation tightened on Thursday this week, leading to a higher market adjustment amplitude. The tightening on Thursday may be due to banks' liability - side issues. From the perspective of large banks' deposit - loan spreads, the deposit - loan spreads of large banks generally decline seasonally in July. After the significant reduction of deposit interest rates in May, large banks face the pressure of term - deposit maturity transfer, resulting in relatively large liability pressure. A low deposit - loan spread means reduced stability of funding rates, which are more dependent on the central bank's liquidity injection. Any daily misalignment in the central bank's liquidity injection can significantly impact funding rates [41][42]. - Future trends: The asset shortage pattern remains unchanged and may even intensify. Interest rates may have short - term adjustments, but the current macro - environment does not support continuous and significant interest - rate adjustments. The impact of anti - involution policies on inflation expectations has been fully priced in the short term through the significant rise in commodity prices. For credit bonds, it will be more difficult to further compress credit spreads below previous lows this year. Credit spreads are more likely to fluctuate, and investors need to seize phased small - band opportunities [50][56]. 3.2.2 Science and Technology Innovation Bonds Continue to Contribute Net Financing to the Market - In July, non - financial credit bond financing performed well, with the net financing exceeding the levels of the same month in the previous two years, reaching 347.9 billion yuan. The supply of long - term credit bonds has increased. Recently, the sentiment for extending the duration of credit bonds has been positive. Although the issuance duration in July has decreased month - on - month, there is still room for extending the duration [57][59]. 3.3 What to Buy in Credit? 3.3.1 Focus on High - Grade 二永 Bonds for Trading, Weak - Quality Urban Investment Bonds for Coupon - The price - comparison of short - term 二永 bonds is positive, while that of medium - and long - term 二永 bonds is negative. Considering different investor needs, high - grade trading strategies are recommended to focus on 二永 bonds, and low - grade coupon strategies are recommended to focus on urban investment bonds. This week, the price - comparison advantage of short - term AAA second - tier capital bonds over medium - term notes remained positive, and the price - comparison of long - term AAA second - tier capital bonds with medium - term notes fluctuated around 0. The price - comparison of short - term urban investment bonds with medium - term notes is positive, and the price - comparison of long - term low - grade urban investment bonds has quickly recovered to the historical central level. Urban investment bonds still have a price - comparison advantage over medium - term notes, but the difference is not significant. Considering the bond - selection scope, urban investment bonds are still preferred [62][64]. 3.3.2 General Credit Coupon is More Advantageous - Currently, the proportion of urban investment bonds with a valuation above 2.3% is 19.8%, that of non - financial industrial bonds is 10.8%, and that of 二永 bonds is 6.8%. From the perspective of coupon - based bond selection, general credit offers a wider bond - selection space. For urban investment bonds, investors can consider both coupon and trading operations for the long - term, and can continue to participate in short - term high - coupon varieties. For industrial bonds, investors can focus on important local state - owned real - estate enterprises among real - estate developers, such as Shoukai and Jianfa Real Estate; among non - real - estate entities, focus on China Minsheng Bank, Jizhong Energy, and Bohai Bank [68][72]. 3.3.3 Statistics of Primary Issuance - Relevant data shows the weekly net financing and cumulative net financing of various credit bonds, including urban investment bonds, industrial bonds, 二永 bonds, and other financial bonds from December 30, 2024, to July 27, 2025 [77]. 3.3.4 Details of Secondary Valuation Changes - No detailed information provided in the content