Group 1 - The core viewpoint of the news is that China Minsheng Bank's Jinan Wendon Branch actively promotes deposit insurance awareness to enhance financial consumer rights protection and public trust in the deposit insurance system [1][2] - The bank established a dedicated promotional team and organized a special meeting to clarify the theme, schedule, and content of the deposit insurance campaign [1] - A consultation desk for deposit insurance was set up in the bank's lobby, where service managers introduced deposit insurance policies and distributed promotional materials to customers [1] Group 2 - The bank extended its outreach by conducting deposit insurance promotional activities in the community, targeting different demographics with tailored approaches [2] - For elderly individuals, staff explained the coverage and the 500,000 yuan compensation limit in simple terms, using real-life examples to illustrate the importance of deposit insurance for retirement savings [2] - The promotional activities reached over 300 people, distributing more than 300 informational brochures, thereby enhancing public understanding of deposit insurance and strengthening trust between the bank and consumers [2]

考虑到老年群体对假币的辨别能力相对较弱，且容易成为假币诈骗的目标，工作人员专门为老年群众提 供"一对一"讲解服务，耐心解答他们提出的"收到假币该怎么办""如何避免收到假币"等问题，提醒他们 在日常消费、现金存取时，务必仔细核对纸币真伪，遇到可疑纸币及时到银行网点鉴定，或拨打110报 警。 为深入贯彻落实人民银行关于反假货币工作要求，提升周边群众反假币意识与识假能力，守护群众"钱 袋子"安全，9月5日，中国民生银行济南张庄路支行以"普及反假币知识，筑牢金融安全防线"为主题， 在支行网点及周边社区开展反假币知识宣传活动，重点围绕人民币防伪特征展开详细讲解，让群众近距 离学习实用识假技巧。 此次宣传活动有效提升了周边群众对人民币防伪特征的认知度和识假辨假能力。下一步，中国民生银行 济南张庄路支行将持续履行金融机构社会责任，把反假币宣传融入日常服务中，通过进社区、进商户、 进校园等更多形式，常态化开展金融知识普及活动，为维护良好的金融秩序和群众财产安全贡献力量。 活动现场，支行工作人员通过设置宣传展台、摆放反假币知识海报、发放宣传折页等形式，吸引过往群 众驻足参与。工作人员结合日常工作中常见的假币类型，用通俗易懂的语 ...

中国民生银行济南历山支行高度重视人民币防伪知识的普及工作，积极响应人民银行关于加强公众货币 防伪意识的号召，围绕"人民币防伪特征"主题，组织开展了一系列形式多样、内容丰富的宣传活动，旨 在提升社会公众对人民币真伪识别能力，维护金融秩序稳定。 在厅堂宣传方面，该支行充分利用营业网点的宣传阵地，通过在营业大厅设置防伪知识展板、播放防伪 宣传视频、发放宣传折页等方式，向前来办理业务的客户普及新版人民币的防伪特征。工作人员还现场 演示如何通过"看、摸、听、测"等方式识别真伪，增强客户参与感和学习效果。此外，支行还在柜台设 置"防伪知识小课堂"，由专业人员为有需求的客户进行一对一讲解，确保宣传内容深入人心。 在上门宣传方面，支行组织宣传小队深入周边商户、企业及建筑工地，针对现金使用频率较高的群体开 展"送知识上门"活动。通过面对面讲解、实物展示和互动问答，帮助商户和劳动者掌握基本的防伪技 巧，提升其在日常交易中识别假币的能力。特别是在建筑工地，宣传人员结合实际案例，讲解假币识别 的重要性，增强了务工人员的防伪意识和自我保护能力。 在社区宣传方面，支行联合街道办、社区居委会，走进居民小区举办防伪知识讲座和现场咨询活动。通 ...

在讲解过程中，工作人员将"代理维权"的常见骗局进行分类剖析:一是"全额退保"骗局，不法中介声称 可帮助消费者无条件全额退保，收取高额手续费后，往往通过伪造材料、虚构理由等方式申请退保，最 终导致消费者失去保险保障，还可能被保险公司列入黑名单；二是"征信修复"骗局，中介谎称能够删除 或修改征信不良记录，实则利用消费者急切心理骗取费用;三是"债务减免"骗局，中介以帮助消费者减 免贷款本息为幌子，诱导其暂停还款或拒绝与金融机构沟通，导致逾期加重、信用恶化，最终陷入更深 的债务危机。 此外，民生银行聊城分行还向企业员工发放了防范"代理维权"风险提示手册，手册中详细列出了不法中 介的典型特征、防范要点和维权途径，便于大家随时查阅和提醒身边人。工作人员提示，一旦发现可疑 中介，应及时向金融机构、监管部门或公安机关举报，共同维护金融市场秩序。 活动伊始，民生银行聊城分行的工作人员通过精心制作的PPT和生动的案例，向企业员工详细讲解 了"代理维权"的基本概念和常见模式。所谓"代理维权"，是指一些不法中介以"全额退保""修复征信""减 免债务"等为诱饵，诱导消费者委托其办理相关业务，实则收取高额费用后失联或从事违法活动，不仅 ...

Group 1 - The core theme of the event was to enhance the financial literacy of teachers at Yanzhong No. 1 Middle School, focusing on building a financial risk "protection wall" [1] - The event included practical discussions on common financial scenarios such as investment planning, mortgage repayment, and credit card usage, ensuring the content was relevant to the teachers' needs [1] - A senior financial lecturer explained basic financial concepts using simple language and illustrated the principle of "high returns accompany high risks" through comparisons of different investment products [1] Group 2 - During the interactive session, teachers actively asked questions about topics like the benefits of early mortgage repayment and how to calculate credit card installment fees, with staff providing detailed answers [2] - The event attracted over 20 teachers, distributed more than 30 informational materials, and conducted a survey indicating that 95% of teachers gained a clearer understanding of financial rights protection [2] - The bank plans to continue addressing the needs of the teacher community by launching an online "Financial Knowledge Classroom" to regularly provide practical information and enhance financial rights protection [2]

Core Viewpoint - The event organized by Minsheng Bank's Jinan branch aimed to enhance financial literacy and risk awareness among community residents through engaging activities and educational outreach [1][2]. Group 1: Event Overview - Minsheng Bank's Jinan branch collaborated with local community committees and businesses to host a unique consumer protection promotional event [1]. - The event featured a warm and vibrant setup, attracting numerous residents who actively participated [1]. Group 2: Financial Education and Awareness - Bank staff conducted financial education sessions, sharing important knowledge on preventing telecom fraud, avoiding illegal financial intermediaries, and protecting personal financial information [1]. - Residents engaged in interactive discussions, asking questions about financial issues they encounter in daily life, which were patiently answered by the staff [2]. Group 3: Community Impact - The successful event not only enriched residents' cultural lives but also fostered neighborly relationships and spread financial knowledge throughout the community [2]. - Minsheng Bank's Jinan branch plans to continue organizing diverse financial knowledge promotion activities in collaboration with local committees and businesses to further enhance community financial literacy [2].

根据摩根士丹利基金管理（中国）有限公司（以下简称"本公司"）与平安银行股份有限公司（以下简 称"平安银行"）签署的销售协议和相关业务准备情况，本公司自2025年9月29日起，增加平安银行为本 公司旗下部分基金的销售机构并参与申购、定期定额投资（以下简称"定投"）费率优惠活动。现将有关 事项公告如下： 一、适用基金 1.摩根士丹利稳丰利率债债券型证券投资基金（基金代码：A类022786/C类022787） 2.摩根士丹利优质信价纯债债券型证券投资基金E类份额（基金代码：020244） 二、业务办理 自2025年9月29日起，投资者可通过平安银行办理本公司上述基金的开户、申购、定期定额投资（以下 简称"定投"）、赎回、基金转换及其他相关业务。 三、定期定额投资业务 1. 扣款金额和扣款日期 1）每期最低扣款金额请见上述各基金相关业务公告，平安银行可根据需要设置等于或高于基金公告要 求的最低扣款金额，具体最低扣款金额以平安银行的规定为准。 2）投资者可与平安银行约定每期扣款日期，若扣款日非基金交易日，则顺延到下一交易日。 2. 具体业务办理程序请遵循平安银行的有关规定，具体扣款方式以其相关业务规则为准。本公司可能因 ...

Investment Rating - The report maintains a recommendation for the banking industry [3] Core Insights - The report provides a comprehensive analysis of the asset-liability structure and interest margin changes of 42 A-share listed banks during the "14th Five-Year Plan" period, highlighting a shift towards corporate loans on the asset side and a stronger retail focus on the liability side [12][14] - The asset-liability structure indicates a significant increase in the proportion of corporate loans, rising from 57.02% to 63.22% from the end of 2020 to mid-2025, while the proportion of demand deposits decreased from 41.94% to 30% [12][14] - The report notes a decline in both asset yield and interest margin, with the yield on interest-earning assets dropping from 4.43% to 3.32% and the net interest margin decreasing from 2.23% to 1.53% during the same period [14][15] Summary by Sections Overall Asset-Liability Structure and Interest Margin Changes - The asset-liability structure shows an increase in loan-to-earning asset ratio from 54.19% to 56.49%, with corporate loans making up a larger share of total loans [14][15] - The average yield on interest-earning assets decreased significantly, with the loan yield falling from 5.34% to 3.82% [15] - The net interest margin for listed banks remains higher than that of commercial banks, despite a decline [14][15] Changes in Each Banking Sector's Asset-Liability Structure and Interest Margin - City commercial banks experienced a more significant increase in the proportion of corporate loans, with their interest margin narrowing less compared to other banks [18] - The report highlights that the proportion of deposits in interest-bearing liabilities for state-owned banks decreased, while it increased for rural commercial banks [18] - The decline in interest-bearing liabilities' cost rate was most pronounced in city commercial banks, leading to a smaller reduction in their interest margin [18]

近年来，电信网络诈骗已成为影响百姓生活和金融安全的突出问题。民生银行构建了"前端宣教预警、 中端拦截防控、后端联动打击"的全链条反诈体系，发挥科技赋能作用，建立智能风控系统，并形成警 监银联动机制，用专业力量守护群众"钱袋子"。 "叮——"一天深夜，南京的街头万籁俱寂，民生银行的预警监测却骤然响起。这一声警报，牵出了一场 既惊心动魄又满怀温暖的跨省反诈守护战。 9点40分，程阿姨在女儿陪同下来到社区支行时，章梅已准备好全套防护方案：协助办理卡挂失、密码 修改，调低非柜面出金限额，关闭手机银行转账功能。10点钟，骗子再次来电时，章梅迅速将号码拉 黑，并结合近期高发的"冒充客服退费""领取补贴"等案例，为母女俩细致讲解防骗知识。 民生银行南京分行迅速打开江苏省人行金融机构群对话框进行紧急求助："监测到可疑交易，请求协 同"。消息刚发出，江苏省人行支付结算处迅速回应，大半夜开始统筹协调，同业、属地公安，一起行 动，一边冻结资金，不让诈骗分子把钱拿走；一边上门劝阻受害人，就怕老百姓稀里糊涂把钱交出去。 从这以后，"铁三角"协作模式就成了守护老百姓钱袋子的"秘密武器"。不管是南京本地的受害人涉及跨 省资金流，还是外地的 ...

Group 1 - The core idea of the news is the innovative approach taken by Minsheng Bank to combine traditional culture with financial education, making the dissemination of financial knowledge more engaging and effective [1][2] - The "2025 Ningxia Financial Education Promotion Week" was launched with the theme "Protecting Financial Rights and Supporting a Better Life," featuring a collaborative effort from Minsheng Bank and ten other financial institutions to create an immersive "Financial Market" [1] - The "Financial Market" included five themed areas designed to transform financial knowledge into interactive experiences, such as games and performances that educate the public on financial literacy and fraud prevention [1] Group 2 - A representative from Minsheng Bank expressed the goal of enhancing the appeal and impact of financial education through cultural empowerment and collaborative efforts, aiming to create a new model for financial education [2] - Customer feedback highlighted the warmth and attentiveness of the bank's services, indicating a strong brand reputation built on responsible service [2] - Minsheng Bank plans to continue innovating in consumer protection efforts, using the financial education week as an opportunity to enhance service quality and safeguard customers' financial interests [2]