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国庆中秋八天长假,消费市场会有多热?
Jing Ji Guan Cha Bao· 2025-09-28 03:54
(原标题:国庆中秋八天长假,消费市场会有多热?) 国家金融监督管理总局《关于银行业保险业做好金融"五篇大文章"的指导意见》中,"五篇大文章"即科 技金融、绿色金融、普惠金融、养老金融、数字金融,看似面向产业端,实则与消费市场紧密相连。普 惠金融致力于"服务民生,促进全体人民共同富裕";数字金融则要"提高金融服务便利性和竞争力",这 些都与消费提振的内在要求高度契合。 与此同时,大量提振消费政策中都强调了金融力量的重要性,如《措施》中提到加大消费信贷支持力 度,引导金融机构和商家合作开发适合服务消费特点的产品和服务,形成"政府补贴+金融支持+商家优 惠"组合拳;而《提振消费专项行动方案》则进一步明确,加强促消费政策协同联动,加强金融等政策 与消费政策的协同。 将促进消费与发挥金融力量结合起来,实则需要形成"政策—市场—消费者"三端联动的良性机制,金融 机构在这一链条中扮演着关键角色,既是政策的执行者,也是市场的参与者,既要理解政策意图,也要 洞察消费需求。如信用支付产品降低消费门槛、数字技术提升服务效率,这些市场微创新,正在成为政 策落地的高效毛细血管。民生信用卡中心近期推出的一系列促消费实践,提供了可供参考的 ...
守护银发、特殊客群 让金融服务更有温度
Jing Ji Guan Cha Wang· 2025-09-28 03:33
Group 1 - The core idea of financial consumer protection is "tailored education," focusing on the financial knowledge needs of different demographics, particularly the elderly [1] - Minsheng Bank has established a precise education system that covers all age groups and scenarios, aiming to enhance financial literacy among the elderly [1] - In Shenyang, Minsheng Bank's branch has successfully conducted financial education classes for seniors, receiving positive feedback for its interactive teaching methods [1] Group 2 - Minsheng Bank recognizes the unique needs of elderly customers and has implemented "age-friendly + scenario-based" services to create a supportive financial service ecosystem [2] - The Xiamen branch has integrated pension financial services with community life, positioning itself as a "good neighbor" in the community since 2013 [2] - The Xiamen branch has made significant adaptations for elderly customers, including barrier-free access and personalized service, enhancing the overall customer experience [2] Group 3 - The Xiamen branch has launched the "Leisure Age Finance" service brand, offering a variety of financial and non-financial services to improve the quality of life for elderly clients [3] - In Shantou, Minsheng Bank has set up "love windows" in all branches to provide specialized services for elderly and disabled customers, ensuring they receive personalized assistance [3] Group 4 - The Shantou branch has organized community health services, such as traditional Chinese medicine and eye clinics, to enhance residents' health awareness and satisfaction [4] - Staff at the Puning branch effectively assisted a hearing-impaired customer using AI subtitle tools, demonstrating the bank's commitment to providing accessible and warm financial services [4]
民生信用卡加码“双节”福利金融赋能消费扩容提质
Cai Fu Zai Xian· 2025-09-28 03:27
专家指出,这类银行与互联网平台的深度合作,不仅为客户提供便利和实惠,也在消费金融与数字经济 融合的过程中,释放出更强的市场活力,进一步提升了金融服务的便利性。 此外,民生信用卡中心不断加大对普惠金融的探索与实践,通过"全民管家"入口,将优惠延伸至居民日 常生活服务领域,打造全民管家充值缴费立减优惠,持卡人办理生活缴费、手机充值、油卡充值、洗车 养护等多项生活服务,可享受"笔笔消费满减,最高立减188元"的优惠。 聚焦客户需求 打造品质消费生态 近年来,随着居民消费水平的不断提升,品质化、场景化消费逐渐成为主流趋势,提高产品和服务的供 给质量成为提振消费的重要一环。国家统计局最新数据显示,8月份,我国社会消费品零售总额同比增 长3.4%,以旧换新相关商品零售额继续保持较快增长,同时,服务消费潜力也在不断释放,这对金融 服务提出了更高要求。 民生银行始终秉持"服务大众 情系民生"的使命,将"双节"消费热点与金融服务创新结合,推动信用卡 业务与居民美好生活紧密融合,力求以"实实在在"的便利惠及更多消费者。 在"双节"消费热点中,家庭聚餐、亲子娱乐、城市出行、节日购物都是居民关注的重点。为满足不同人 群的多元化需求, ...
民生银行西安行:了解金融投资的适当性原则 做理性投资者
Sou Hu Cai Jing· 2025-09-28 03:18
Group 1 - The concept of "suitability management" refers to financial institutions identifying, advising, matching, selling, and trading products based on their attributes and risks, alongside clients' financial needs and risk tolerance [2] - Financial institutions are responsible for ensuring that suitable products are sold to appropriate clients, adhering to legal and regulatory requirements [2] - Risk levels of financial products are categorized from low to high, with five levels defined: Level 1 (low risk), Level 2 (lower risk), Level 3 (medium risk), Level 4 (higher risk), and Level 5 (high risk) [3][4] Group 2 - Level 1 products primarily invest in low-risk short-term financial assets, such as money market funds and cash management products [3] - Level 2 products mainly invest in debt assets with a low proportion of equity assets, presenting a lower overall risk [3] - Level 3 products typically invest in debt assets with equity assets not exceeding 40%, facing some risk of principal loss [3] Group 3 - Level 4 products invest in both equity and debt assets, with equity assets exceeding 40%, thus facing significant principal loss risks [3] - Level 5 products can invest entirely in equity or derivative assets, facing extreme risks of principal loss [3] - The risk ratings are based on past performance and risk conditions of similar products, but do not guarantee future risk-return characteristics [4] Group 4 - Investors must undergo a risk tolerance assessment before purchasing financial products, ensuring their risk capacity meets or exceeds the product's risk level [6] - The assessment includes factors such as age, financial status, investment experience, objectives, expected returns, risk preferences, liquidity needs, and loss tolerance [6] - The validity of the risk assessment is twelve months, after which a new assessment is required for purchasing bank-distributed products [8]
民生银行北京分行构建“大消保”格局
Bei Jing Ri Bao Ke Hu Duan· 2025-09-27 23:19
"阿姨,这类所谓'高回报'理财,其实就是典型的诈骗陷阱。"在民生银行北京分行一网点的反诈沙龙现 场,银行工作人员正在耐心地向客户剖析虚假投资理财的常见套路。不远处,几位老年客户正在体验新 设置的适老化服务设施,银行工作人员细致讲解着如何使用老年版手机银行。 在信息爆炸的时代,金融知识如何才能真正深入人心?民生银行北京分行不断创新金融教育宣传形式, 通过"线上+线下"双轨推进,构建多层次、广覆盖的金融知识传播矩阵。 这些细致入微的服务场景,是民生银行北京分行践行"大消保"理念的生动缩影。近年来,该行紧紧围绕 金融工作的政治性和人民性,全面构建"大消保"工作体系,从反诈防骗、反假货币、适老关怀等多维度 协同推进,深入企业、商圈、校园、社区与乡村,切实守护金融消费者的"钱袋子",为首都市民提供更 加安全、便捷和温暖的金融服务。 聚焦重点群体 开展精准宣教 民生银行北京分行深入分析不同金融消费者的特点与需求,开展针对性、差异化的金融知识普及活动, 推动金融消保教育宣传从"广覆盖"向"精细化"转型。 面向银发群体,该行精心打造"悦享时光 民生相伴"敬老主题活动,累计开展重阳登高、手工制作、文 艺汇演等各类活动300余场 ...
固收深度报告20250927:从42家上市银行半年报解读银行债券投资“攻守道”





Soochow Securities· 2025-09-27 14:32
1. Report Industry Investment Rating No information about the report industry investment rating is provided in the given content. 2. Core Viewpoints of the Report - External environment factors such as interest rate fluctuations, bond supply - demand, and policy orientation jointly impact bond investment returns. In H1 2025, the bond investment of 42 listed banks showed certain characteristics in scale, structure, and profit and loss, but there are still challenges in maintaining stable returns in the future [1]. - The overall bond investment scale of 42 listed banks expanded steadily in H1 2025. There were differences in the investment structure among different types of banks, with state - owned banks and city commercial banks having stable growth in the bond allocation portfolio, while joint - stock banks and rural commercial banks increased their efforts in the bond trading portfolio. The bond investment portfolio generally presented a pattern of "stable foundation and flexible gain" [1]. - The coupon income of 42 listed banks was generally stable in H1 2025 but showed a slight year - on - year decline. The fair value change loss was significant, and the investment income increased. However, the bond investment of the banking industry still faces pressure to maintain stable returns [1]. 3. Summary According to the Table of Contents 3.1 42 Listed Banks' Bond Investment Volume - **Overall Bond Investment Scale: Steady Expansion**: In H1 2025, the total scale of the three types of bond - type financial assets of 42 listed banks showed a steady expansion trend. The growth of debt investment - type financial assets measured at amortized cost was relatively slow, while the growth of trading financial assets measured at fair value and included in current profits and losses was relatively large, indicating that banks increased the proportion of trading positions [9]. - **Differentiated Bond Investment Distribution Structures among Different Bank Types**: In H1 2025, state - owned banks and city commercial banks showed stable growth in the bond allocation portfolio, which may be related to their participation in the primary - market issuance of important national and regional bond varieties. Joint - stock banks and rural commercial banks slightly weakened their bond allocation power but significantly increased their efforts in the bond trading portfolio, showing a differentiated feature of "stable allocation by large banks and prominent trading flexibility by small and medium - sized banks" [13]. - **Bond Investment Allocation Tilted towards Government - Related Bonds**: In H1 2025, commercial banks increased their allocation of government - related bonds, with an average month - on - month increase of about 10% for state - owned banks, joint - stock banks, and city commercial banks, and a slightly smaller increase for rural commercial banks. The allocation of financial bonds and other bonds was differentiated. All banks held a relatively large scale of government - related bonds, followed by financial bonds and credit - related bonds [18]. - **Correlation between Financial Asset Types and Bond Variety Structures**: The banking industry maintained a stable growth of interest - rate bonds in the bond allocation portfolio and increased the allocation of credit bonds, while the allocation of financial bonds was relatively weak. In the bond trading portfolio, interest - rate bonds and financial bonds were the core varieties, with a more significant increase than credit bonds, showing a "stable foundation and flexible gain" pattern [22]. 3.2 42 Listed Banks' Bond Investment Profit and Loss - **Coupon Income: Generally Stable and Still the Main Source of Income**: In H1 2025, the total coupon income of 42 listed banks decreased slightly year - on - year. Although the scale of held - to - maturity bonds increased, the decline in the coupon rate of newly issued bonds led to a decrease in coupon income. In the future, coupon income is still expected to be the main source of bond investment income for commercial banks [26]. - **Fair Value Change Loss: Losses in the Trading Level**: In H1 2025, the total fair value change loss of 42 listed banks decreased significantly year - on - year, indicating that it was difficult to obtain capital gains through short - term trading in the volatile bond market, and there were floating losses in bond trading [28]. - **Investment Income: Growth in All Bank Types**: In H1 2025, the actual investment income of 42 listed banks in the bond field increased significantly year - on - year. Although the book value appreciation of bond - type trading financial assets and other debt investment - type financial assets was not as good as that of the previous year, banks could still increase their investment income by selling floating - profit old bonds and waiting for the maturity of high - coupon bonds [31]. 3.3 Attribution and Summary - **External Environment Driving Factors: Interest Rate Fluctuations, Bond Supply - Demand, and Policy Orientation Jointly Impact Bond Investment Returns**: In H1 2025, the "more adjustments and fewer opportunities" bond market environment led to a general decline in the prices of existing bonds, resulting in a significant year - on - year decline in the fair value change loss of listed banks' bond investment. The supply of national bonds, local government bonds, and policy - based financial bonds increased, but the coupon rate of newly issued bonds decreased, leading to a decline in coupon income. Regulatory policies indirectly affected bond investment performance [35]. - **Banking Industry's Bond Investment Pressure and Future Outlook** - Overall Income Shows a Positive Trend but There Are Still Hidden Concerns: In H1 2025, the actual bond investment income of 42 listed banks increased slightly year - on - year, but the coupon income faced downward pressure in the interest - rate downward cycle, and it was more difficult to obtain spread income through band trading. Since H2 2025, the "stock - strong and bond - weak" pattern has emerged, and the loss caused by fair value change will be more obvious [3]. - Different Bank Types Show Differentiated Performance, and State - owned Banks' Pressure Is Relatively Controllable: State - owned banks can maintain a certain profit - making ability in the low - interest - rate volatile bond market due to their advantages in bond allocation and trading portfolios. Joint - stock banks, city commercial banks, and rural commercial banks are more vulnerable, and they may increase their capital allocation in the equity market, commodity market, and related structured fixed - income products in the future [3].



民生银行:撤销监事会
Zhong Guo Jing Ying Bao· 2025-09-27 01:01
9月26日,民生银行公告称,近日该行收到《国家金融监督管理总局关于民生银行修改公司章程的批 复》。自《公司章程》核准之日起,该行监事会依法撤销,职工监事已提交辞职函,原股东监事、外部 监事、职工监事不再继续履职,《中国民生银行股份有限公司监事会议事规则》等监事会及其专门委员 会相关公司治理制度废止,该行各项规章制度中涉及监事会、监事的规定不再适用,董事会审计委员会 行使《公司法》和监管制度规定的监事会职权。翁振杰、吴迪、鲁钟男、李宇、龙平、毛斌不再担任本 行监事,已确认与本行无不同意见,亦无任何其他相关事项需要通知本行股东及债权人。 (文章来源:中国经营报) ...
中国民生银行股份有限公司 关于公司章程修改获国家金融监督管理总局核准的公告
Zhong Guo Zheng Quan Bao - Zhong Zheng Wang· 2025-09-27 00:44
证券简称:民生银行 A股代码:600016 优先股简称:民生优1 特此公告 中国民生银行股份有限公司董事会 2025年9月26日 证券简称:民生银行 A股代码:600016 优先股简称:民生优1 优先股代码:360037 编号:2025-037 中国民生银行股份有限公司 关于公司章程修改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。 中国民生银行股份有限公司(简称"本行")于2025年6月26日召开的2024年年度股东会会议审议通过了 《关于修订〈中国民生银行股份有限公司章程〉的议案》。近日,本行收到《国家金融监督管理总局关 于民生银行修改公司章程的批复》(金复﹝2025﹞566号),国家金融监督管理总局已核准本行修改后 的公司章程。 根据相关规定,公司章程自国家金融监督管理总局核准后生效。修改后的公司章程(包括《中国民生银 行股份有限公司股东会议事规则》《中国民生银行股份有限公司董事会议事规则》)详见上海证券交易 所网站(www.sse.com.cn)和本行网站(www.cmbc.com.cn ...
民生银行(01988) - 中国民生银行股份有限公司章程


2025-09-26 14:51
中國民生銀行股份有限公司章程 (2025年9月23日國家金融監督管理總局核准) 1 經國務院國函[1995]32號《國務院關於設立中國民生銀行的批覆》、中國人民 銀行銀覆[1996]14號《關於中國民生銀行開業的批覆》,本行以發起方式設立,於 1996年2月7日在國家工商行政管理局登記註冊,取得營業執照。本行現統一社會 信用代碼為91110000100018988F。 本行成立時的發起人為:廣州益通集團公司、中國鄉鎮企業投資開發有限公 司、中國煤炭工業進出口總公司、中國船東互保協會、山東泛海集團公司、哈爾 濱亞麻廠、廈門福信集團有限公司、寧波市經濟建設投資公司、北京萬通實業股 份有限公司、杭州通普電器公司、昆明建華企業集團、深圳前進開發公司、希望 集團有限公司、哈爾濱歲寶熱電股份有限公司、鄭州夢達實業有限公司、河南電 力開發有限公司、昆明百貨大樓、南海市桂城商業貿易物資總公司、中國旅遊國 際信託投資有限公司、湛江經濟技術開發區財務開發公司、深圳市寶安區潤田企 業公司、鞍山市騰鰲區遼河飼料集團公司、廣東恒豐投資集團有限公司、山西安 泰國際企業(集團)股份有限公司、河南興亞企業集團有限公司、南寧南和發展公 司、長 ...
民生银行(01988) - 公司章程修改获国家金融监督管理总局核准及不再设立监事会


2025-09-26 14:03
香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責,對其準確性 或完整性亦不發表任何聲明,並明確表示,概不對因本公告全部或任何部分內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 中國民生銀行股份有限公司 CHINA MINSHENG BANKING CORP., LTD. (在中華人民共和國註冊成立的股份有限公司) (股份代號:01988) 公司章程修改獲國家金融監督管理總局核准 及 不再設立監事會 中國民生銀行股份有限公司(「本行」)於2025年6月26日召開的2024年股東周年大 會(「股東周年大會」)上審議通過了關於修訂公司章程的議案。近日,本行收到 《國家金融監督管理總局關於民生銀行修改公司章程的批覆》(金覆[2025]566號), 國家金融監督管理總局核准本行修改後的公司章程。根據相關規定,本行修改後 的公司章程自國家金融監督管理總局核准後生效。 鑒於公司章程現已獲核准生效,本行監事會自本行公司章程核准之日起依法撤 銷。《中國民生銀行股份有限公司監事會議事規則》等監事會及其專門委員會相關 公司治理制度廢止,本行各項規章制度中涉及監事會、監事的規定不再適用,董 事會審計 ...