来源：金融人事mini "不搞'内卷式'竞争"，民生银行行长王晓永在2025年中期业绩说明会上表示，当前业绩表现是近年来该行战略转型成效的逐步显现，是做好战略执行的成果。 武汉分行副行长杨毅，拟任西安分行副行长；曾任民生银行武汉分行行长助理，2025年1月升任武汉分行副行长。 9月15日，胡丹民生银行上海自贸试验区分行副行长的任职资格获准。 具体来看，2025年上半年，民生银行实现营业收入723.84亿元，同比增长7.83%，其中净息收入和非净息收入实现双增长，净息差逆势上升1BP至1.39%；实现归属于上市公司股东的净利润2 人事方面，管理层相对稳定，今年至今只出现两次调整：7月原副行长石杰到龄退休，8月李稳狮获批出任民生银行副行长。 本期，主要介绍民生银行中层变动，涉及总行客群、风控、党建等多部门总经理、副总经理。此外，民生银行近期还有多位一级分行行长、副行长的任职资格获核准，且多为系统内提任。 总行部门 总行纪检监察室主任张喜宏，任总行党群部总经理；历任民生银行北京分行副行长，总行安全保卫部总经理，总行纪委副书记、纪检监察室总经理。 郑州分行副行长吕波，任总行纪检监察室主任；曾任民生银行总行纪检监察室廉 ...

转自：新华财经 今年5月，遭遇电信诈骗的刘女士至今想起仍心有余悸："客户经理在电话里一条条拆穿骗局，还特意上门给我看反诈案例，才把我给劝住了。"无独有偶， 南京建邺区82岁的李阿姨也有同款"暖心体验"，"我腿摔了没法去网点改密码，打个电话，银行的小姑娘当天就带着设备上门了，还教我用大字体的手机银 行，连我老家的方言都能识别，太贴心了！" 李阿姨说。 两位普通客户的经历，正是民生银行南京分行以"诚信"锚定服务根本、以"实干"解决群众难题、以"便民"贴近日常需求的生动缩影。2025年以来，该行持续 推动金融为民理念融入业务全流程，让金融服务既有速度，更有温度，体现"诚信筑根基、责任勇担当、实干惠民生"的服务理念。 靶向施策打通乡镇服务脉络，为乡村振兴注入金融"活水"。聚焦乡镇"发展难 销售难"的痛点，该行深度融入"一行兴一乡"帮扶体系，例如，围绕河南滑 县"豫北粮仓"资源禀赋，邀请商务服务、农副产品深加工等优质企业客户赴当地考察，为当地带去新的产业项目与发展契机。为进一步提升消费帮扶质效， 该行创新打造"帮扶+合作""帮扶+宣传""帮扶+帮销"等模式，制定"滑县农产品消费帮扶计划"，设立"滑县消费帮扶农产品专柜" ...

Group 1 - Shudao Equipment's subsidiary signed a construction contract worth 24.68 million yuan for a hydrogen fuel cell manufacturing base project [1] - Zhongliang Technology received a land acquisition compensation of 30 million yuan from the government [2] - Palm Holdings won a bid for a high-standard farmland construction project in Lankao County, with a contract value of 433 million yuan, accounting for 14.12% of the company's audited revenue for 2024 [3] Group 2 - Changchun Yidong's subsidiary received a government subsidy of 2.85 million yuan, which is 122.78% of the company's audited net profit for the last fiscal year [4] - Wuzhou Transportation successfully issued 200 million yuan in medium-term notes with an interest rate of 2.10% [5][6] - Tiandi Source's subsidiary plans to apply for a trust loan of up to 500 million yuan from related parties [8] Group 3 - Tiandi Source's subsidiary acquired a residential land use right in Xi'an for 2.015 billion yuan [9] - Opcon Vision received a medical device registration certificate for its ultrasonic nebulizer [11] - Jingjiawei announced the resignation of its vice president due to personal reasons [13] Group 4 - Fulinh Precision's subsidiary received a prepayment of 1.5 billion yuan from CATL for securing lithium iron phosphate material supply [15] - Yunzhu Technology's subsidiary received a government subsidy of 20.12 million yuan [16] - Kehua Bio's ferritin test kit received a medical device registration certificate [17] Group 5 - Jinghua Pharmaceutical's medical sodium alginate wound dressing received a medical device registration certificate [18] - Lingwei Technology established a wholly-owned subsidiary with a registered capital of 1 million yuan [19] - Sanwei Co. won a bid for concrete sleeper procurement projects worth 158 million yuan [20] Group 6 - Shanghai Pharmaceuticals' Nicardipine tablets passed the consistency evaluation for generic drugs [21] - Lushan New Materials increased its idle fund management limit to 750 million yuan [24] - Huayi Technology announced the retirement of a core technical staff member [25] Group 7 - Yingli Environment plans to use up to 300 million yuan of idle raised funds for cash management [30] - Yong'an Forestry plans to develop a national reserve forest project in Putian, Fujian, with an estimated investment of 154 million yuan [32] - Xinyuan Technology's shareholders plan to reduce their holdings by up to 3.18% of the company's shares [60]

进一步统计，近3个月内该股累计发生8笔大宗交易，合计成交金额为3.26亿元。该股近5个交易日累计 下跌6.80%，主力资金合计净流出26.51亿元。 责任编辑：小浪快报 9月18日，民生银行收跌1.47%，收盘价为4.03元，发生1笔大宗交易，合计成交量3056.87万股，成交金 额1.23亿元。 第1笔成交价格为4.03元，成交3,056.87万股，成交金额12,319.19万元，溢价率为0.00%，买方营业部为 申万宏源证券有限公司证券投资总部，卖方营业部为华泰证券股份有限公司重庆江北嘴证券营业部。 炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ ...

刊發發售通函 中國民生銀行股份有限公司香港分行 （「發行人」） 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） （「本行」） （股份代號：01988） 5,000,000,000美元中期票據計劃（「該計劃」） 於本公告日期，本行執行董事為高迎欣先生、王曉永先生及張俊潼先生；非執行 董事為劉永好先生、史玉柱先生、宋春風先生、趙鵬先生、梁鑫傑先生及林立先 生；獨立非執行董事為曲新久先生、溫秋菊女士、宋煥政先生、楊志威先生、程 鳳朝先生及劉寒星先生。 本公告乃根據香港聯合交易所有限公司（「香港聯交所」）證券上市規則（「上市規 則」）第37.39A條刊發。 請參閱本公告隨附有關該計劃的日期為2025年9月17日的發售通函（「發售通 函」）。誠如發售通函所披露，根據該計劃將予發行的中期票據（「票據」）擬僅供專 業投資者（定義見上市規則第37章）購買，且該計劃已經以及票據（以將於香港聯 交所上市的票據為限）將以此為基礎於香港聯交所上市。 發售通函並不構成向任何司法管轄區的公眾人士提呈出售任何證券的售股章程、 通告、通函、宣傳冊或廣 ...

9月18日，智通财经了解到，近日，中国人民银行厦门市分行发布了罚单，民生银行厦门分行合计被罚款147.96万元，此外相关责任人也被处罚。 罚单显示，民生银行厦门分行的主要违法违规事实（案由）为：违反反假货币业务管理规定；违反数据安全管理规定；未按照规定履行客户身份 识别义务；未履行对异常账户、可疑交易的风险监测和相关处置义务；违反账户管理规定。 针对上述违法违规行为，中国人民银行厦门市分行对其警告，通报批评，并处罚款合计147.96万元。 此外，时任中国民生银行股份有限公司厦门分行零售金融部经理的郭某明，因对未履行对异常账户、可疑交易的风险监测和相关处置义务的违法 行为负有直接责任，被处罚款1万元。 时任小微金融事业部厦门分部/普惠金融事业部厦门分部副总经理的张某琳，因对未按照规定履行客户身份识别义务的违法行为负有直接责任，被 处罚款1.5万元。 时任零售金融部副总经理的林某泉，因对未按照规定履行客户身份识别义务和未履行对异常账户、可疑交易的风险监测和相关处置义务的违法行 为负有直接责任，被处罚款2.5万元。 公开信息显示，民生银行厦门分行于2006年6月20日成立，法定代表人梁海涛。 近期，民生银行频频收到 ...

Group 1 - The banking sector experienced a decline of 1.85% on September 18, with China Merchants Bank leading the drop [1] - The Shanghai Composite Index closed at 3831.66, down 1.15%, while the Shenzhen Component Index closed at 13075.66, down 1.06% [1] - Major banks such as China Merchants Bank and Minsheng Bank saw significant declines in their stock prices, with China Merchants Bank down 2.23% to 40.83 yuan [1] Group 2 - The banking sector saw a net outflow of 1.655 billion yuan from institutional investors, while retail investors contributed a net inflow of 1.408 billion yuan [1] - The detailed fund flow data indicates that several banks, including CITIC Bank and Huaxia Bank, experienced substantial net outflows from institutional investors [1] - Retail investors showed interest in various banks, with significant net inflows observed in banks like Huaxia Bank and Ping An Bank [1]

刊發發售通函 中國民生銀行股份有限公司香港分行 （「發行人」） 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 賴該等內容而引致之任何損失承擔任何責任。 本公告及隨附的上市文件僅供參考之用，並不構成收購、購買或認購證券的邀請或要約，或訂 立任何協議以作出任何該等事宜的邀請，亦不被視作收購、購買或認購任何證券的任何要約邀 請。 本公告及本公告所述的上市文件乃按上市規則（定義見下文）規定刊發，僅供參考之用，並不構 成出售任何證券的要約或招攬購買任何證券的要約。本公告及本公告所述任何內容（包括上市 文件）並非任何合同或承諾的依據。為免生疑，刊發本公告及本公告所述的上市文件不應被視 為就香港法例第32章公司（清盤及雜項條文）條例而言根據發行人（定義見下文）或其代表刊發 的售股章程提出的證券發售要約，亦不構成香港法例第571章證券及期貨條例所指其中載有向 公眾人士發出邀請以訂立或發出要約以訂立有關收購、出售、認購或承銷證券的協議的廣告、 邀請或文件。 本公告並不構成或成為於美國購買或認購證券之任何要約 ...

Core Insights - International gold prices have reached new highs, leading to a surge in the issuance of gold-linked financial products [1][2] - The "fixed income +" strategy is popular among financial institutions, combining stable income products with small allocations to capture opportunities in equities and commodities [1][2] Group 1: Product Issuance - Multiple gold-related financial products have been launched since September, with the latest being the 招银理财招睿焦点联动挂钩黄金15号固收类理财计划, which raised approximately 110 million yuan [2] - The product is a closed-end net value fixed income product, primarily investing in fixed income assets and options linked to SGE gold [2] - The annualized performance benchmark for the product ranges from 0.90% to 6.45%, indicating a diverse range of expected returns [2][3] Group 2: Investment Strategies - The investment strategy for these products includes a robust approach to fixed income assets and a structured design for derivatives to enhance asset value while controlling yield volatility [2][3] - The "bull shark fin option structure" is commonly used, allowing investors to lock in higher returns if a trigger price is reached, while limiting losses to the option premium if prices decline [3] - The current market features a variety of gold-linked financial products, primarily classified as R2 risk level "fixed income +" products, aimed at enhancing returns through gold-related assets [3] Group 3: Market Trends - The supply of "fixed income +" financial products is abundant, with banks reporting increased interest from clients in products linked to stock indices and gold [4] - The performance of these products tends to be strong in bullish market conditions for both stocks and gold [4]

Core Viewpoint - Several banks have announced adjustments to their account transaction SMS services, ceasing free SMS notifications for certain accounts, which has garnered significant attention [1][2] Group 1: Service Adjustments - Guangdong Huaxing Bank announced it will stop sending SMS notifications for transactions below 500 yuan starting September 16 [2] - Hubei Zhuqi Agricultural Commercial Bank will cease free SMS notifications for transactions below 100 yuan for certain customers starting September 16, 2025 [2] - China Bank has also adjusted its SMS notification threshold to 100 yuan for personal customers who previously enjoyed lifetime free SMS services, effective May 1, 2025 [2] Group 2: Digital Transformation - The adjustments reflect the banking industry's response to significant operational pressures and the acceleration of digital transformation [3] - Banks are facing challenges such as narrowing net interest margins and profitability pressures, necessitating cost reduction through refined operations [3] - The cumulative costs of SMS services, although low per transaction, represent a significant expense over time, prompting banks to optimize this service [3] Group 3: Service Upgrades - In conjunction with cost reduction, banks are focusing on enhancing online transaction notification services [4] - For instance, Guangdong Huaxing Bank allows customers to receive notifications through its WeChat public account or mobile app for transactions below 500 yuan [4] - Minsheng Bank has introduced an "App Instant Communication" service, providing real-time notifications for any transaction amount without charge [4] Group 4: Future Directions - The adjustments are seen as a necessary step towards embracing digital channels, which offer more real-time and comprehensive notifications compared to traditional SMS [5] - Banks are encouraged to transition from passive notifications to proactive services, enhancing customer experience through data integration and scenario embedding [5] - Five optimization paths for future digital service upgrades include implementing intelligent customer service systems, deepening data mining capabilities, integrating open banking interfaces, optimizing online processes, and enhancing cybersecurity measures [6]