Core Insights - The article highlights the evolution of credit cards from mere payment tools to comprehensive service platforms that enhance consumer experiences and drive consumption growth [1][2]. Group 1: Market Trends - The "Double Eleven" shopping festival has reignited the consumer market, showcasing the resilience and upgrading vitality of consumption, with retail sales reaching 36.5877 trillion yuan in the first three quarters of 2025, a year-on-year increase of 4.5% [1]. - The service retail sector also demonstrated growth, with a year-on-year increase of 5.2%, indicating strong market dynamics [1]. Group 2: Consumer Engagement Strategies - The Minsheng Credit Card Center has launched various initiatives in response to national consumption promotion policies, including partnerships with major platforms like JD.com, Douyin, and Alipay to offer attractive benefits to consumers [2]. - The "Birthday Benefits" program covers seven lifestyle categories, providing discounts and offers across food, shopping, entertainment, and travel, enhancing the overall consumer experience [2]. Group 3: Business Strategy - The credit card business is transitioning from aggressive market expansion to a focus on refined operations, emphasizing high-quality growth through user-centered strategies [3]. - Minsheng Credit Card Center is exploring inclusive finance by extending benefits to everyday services, allowing users to enjoy random discounts on various daily expenses [3]. Group 4: Product Innovations - The introduction of the Minsheng Sam's Club co-branded card offers cashback and discounts across multiple consumer scenarios, including dining and travel, enhancing customer loyalty and satisfaction [4]. - The financial services are becoming deeply integrated into every aspect of the consumer chain, reflecting a shift towards high-quality consumption where consumers prioritize convenience and value [4]. Group 5: Future Outlook - Minsheng Credit Card Center aims to continuously optimize its product offerings and service experiences, injecting financial resources into various consumption sectors to stimulate consumer potential and contribute to a better quality of life [4].

Group 1 - The banking sector saw a slight increase of 0.12% on November 11, with China Merchants Bank leading the gains [1] - The Shanghai Composite Index closed at 4002.76, down 0.39%, while the Shenzhen Component Index closed at 13289.0, down 1.03% [1] - Major banks' stock performance included China Merchants Bank at 42.96 with a rise of 0.56%, and Minsheng Bank at 4.04 with no change [1] Group 2 - The banking sector experienced a net inflow of 314 million yuan from institutional investors, while retail investors saw a net outflow of 135 million yuan [1] - China Merchants Bank had a significant net inflow of 1.79 billion yuan, representing 7.68% of its total trading volume [1] - Ping An Bank also saw a net inflow of 112 million yuan, accounting for 10.81% of its trading volume [1]

Core Viewpoint - The event "Youth Anti-Fraud in Action: Witty Anti-Fraud Youth Tour" organized by China Minsheng Bank aims to enhance anti-fraud awareness among university students through engaging performances and interactive games, reflecting a collaborative effort among government, financial institutions, and educational organizations to combat telecom fraud [1][4]. Group 1: Indoor Performance - The event featured a showcase of 10 award-winning anti-fraud stand-up comedy pieces selected from over 600 submissions from universities nationwide, with performances held at Shandong University [2]. - The performances included a variety of formats such as traditional Chinese comedic dialogue and skits, which humorously presented real-life fraud cases, helping the audience remember the scams through laughter [2]. - Local police also participated by revealing common scams like "order scams," "pig-butchering scams," and "impersonation of law enforcement," aiming to strengthen the audience's defenses against fraud [2]. Group 2: Outdoor Interaction - The event included interactive games designed by local banks, including Minsheng Bank, which attracted many students and incorporated anti-fraud knowledge into fun activities [3]. - Games such as "anti-fraud throwing" and "anti-fraud flying chess" were used to engage students while educating them about various types of scams, including intimidation and temptation tactics [3]. - Bank staff and police provided explanations of fraud cases relevant to students' lifestyles, enhancing their understanding of the risks associated with telecom fraud [3]. Group 3: Collaborative Efforts - The event highlighted the strong collaboration between government departments, financial institutions, and universities in promoting anti-fraud initiatives, establishing a solid foundation for a community-wide anti-fraud framework [4]. - Minsheng Bank emphasized its commitment to serving the public and protecting youth by creating a robust defense against fraud through ongoing educational efforts [4]. - The bank plans to continue its partnership with universities and law enforcement to develop a sustainable anti-fraud educational model, aiming to foster a safe financial environment for students [4].

Core Points - The announcement confirms the approval of Mr. Zheng Haiyang's qualification to serve as a director of China Minsheng Bank by the National Financial Regulatory Administration [1] - Mr. Zheng will assume his role as a non-executive director and a member of the Risk Management Committee effective from the date of qualification approval [1] Summary by Sections - **Director Qualification Approval** - China Minsheng Bank received the approval from the National Financial Regulatory Administration for Mr. Zheng Haiyang to serve as a director [1] - **Board and Committee Roles** - Mr. Zheng will join the bank's ninth board of directors and will be a member of the Risk Management Committee following the approval [1]

Core Viewpoint - Minsheng Bank has been committed to serving the real economy and enhancing high-quality economic development through quality financial services, particularly focusing on technology finance in recent years [1] Group 1: Financial Support for Technology Enterprises - Minsheng Bank actively connects with financial tools like technology innovation re-loans to ensure policy benefits reach technology enterprises effectively [2] - As of June, Minsheng Bank's Jinan branch had a loan balance of 31.067 billion yuan for technology enterprises, with an increase of 5.852 billion yuan since the beginning of the year, demonstrating strong financial support for innovation [3] Group 2: Comprehensive Financial Services - The bank has shifted from "single credit" to "full-cycle companionship," providing comprehensive financial services tailored to the specific needs of technology enterprises [4] - Minsheng Bank has developed customized products and services to address various operational scenarios of technology enterprises, enhancing their financial management capabilities [5] Group 3: Dynamic Demand Response Mechanism - Minsheng Bank has established a "dynamic demand response" mechanism to proactively identify and meet the financing needs of technology enterprises, moving from a passive to an active service model [6] - The bank utilizes a quarterly visit and monthly consultation mechanism to anticipate potential financing needs, ensuring timely and effective support for enterprises [6]

Core Points - Minsheng Bank announced the approval of Zheng Haiyang's qualification as a director by the National Financial Regulatory Administration on November 7, 2025 [2] Group 1 - Minsheng Bank received the approval for Zheng Haiyang's directorship on November 7, 2025 [2] - The approval was issued under the document number Jin Fu [2025] 633 [2] - The announcement was made on the evening of November 10 [2]

Core Viewpoint - Minsheng Bank has received approval from the National Financial Supervision Administration for Zheng Haiyang to serve as a non-executive director and a member of the bank's Risk Management Committee starting from November 6, 2025 [1] Group 1 - Minsheng Bank announced the receipt of the approval document regarding Zheng Haiyang's appointment [1] - Zheng Haiyang's qualification as a director has been officially approved by the regulatory authority [1] - The effective date of Zheng Haiyang's appointment is November 6, 2025 [1]

Core Viewpoint - Minsheng Bank has received approval from the National Financial Regulatory Administration for Zheng Haiyang to serve as a non-executive director and a member of the Risk Management Committee, effective November 6, 2025 [1] Group 1 - Minsheng Bank announced the approval of Zheng Haiyang's qualifications as a director [1] - Zheng Haiyang will officially take on the role of non-executive director starting November 6, 2025 [1] - Zheng Haiyang will also serve on the bank's Risk Management Committee [1]

Core Viewpoint - Minsheng Bank has received approval from the National Financial Supervision Administration for Zheng Haiyang to serve as a non-executive director and a member of the Risk Management Committee, effective from November 6, 2025 [1] Group 1 - Minsheng Bank announced the approval of Zheng Haiyang's appointment as a director [1] - The approval was documented in the official notice numbered Jin Fu [2025] 633 [1] - Zheng Haiyang will assume his role on the board and the Risk Management Committee starting from November 6, 2025 [1]

獨立非執行董事 執行董事 史玉柱 溫秋菊 王曉永（副董事長、行長） 1 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） 董事名單與其角色和職能 中國民生銀行股份有限公司（「本公司」）董事會（「董事會」）成員載列如下。 | 非執行董事 | 獨立非執行董事 | 執行董事 | | --- | --- | --- | | 劉永好（副董事長） | 曲新久 | 高迎欣（董事長） | | 史玉柱 | 溫秋菊 | 王曉永（副董事長、行長） | | 宋春風 | 宋煥政 | 張俊潼 | | 趙鵬 | 楊志威 | | | 梁鑫傑 | 程鳳朝 | | | 林立 | 劉寒星 | | | 鄭海陽 | | | C：有關董事委員會主席 M：有關董事委員會委員 中國，北京，2025年11月10日 2 董事會設立6個委員會。下表提供各董事會成員在這些委員會中所擔任的職位。 | | 董事委員會 | 戰略發展與 | 提名 | 薪酬與 | 風險管理 | 審計 | 關聯交易 | | --- | --- | --- | --- | --- ...