本报（chinatimes.net.cn）记者吴敏 北京报道 本届年会以"活力与韧性 拓新与赋能"为核心主题，由中央财经大学数字经济融合创新发展中心、华夏 时报金融思想荟、华夏时报金融研究院联合提供智力支持，意在回应时代之问，凝聚发展共识，探寻未 来路径。 年会现场，广受关注的典型案例同步公布，典型案例经过严格筛选程序选定。 获得"2025年度绿色金融实践典型案例"的机构： 中国农业银行、中国银行北京市分行、兴业银行、中金公司、新网银行、华泰证券 获得"2025年度金融助残典型案例"的机构： 中国农业银行、云南信托 获得"2025年度智慧养老金融典型案例"的机构： 中国民生银行、中信银行、农银理财、新华保险、和谐健康、北京银行、中荷人寿、盛京银行、国泰海 通证券、英大信托 获得"2025年度绿色金融创新典型案例"的机构： 12月12日，由华夏时报社主办的第十九届华夏机构投资者年会暨华夏金融（保险）科技论坛在北京成功 举办。 获得"2025年度普惠金融数字化转型典型案例"的机构： 中信百信银行、乐信、张家口银行、杭州银行 获得"2025年度智能风控科技创新应用典型案例"的机构： 外贸信托、桔子数科、小赢科技、湖 ...

据各银行披露的公开数据显示，截至12月13日，已有26家A股上市银行公布了其中期或季度分红方案， 数量超过2024年中期或季度分红的24家。这26家银行包括6家国有银行、6家股份银行、14家中小银行， 预计分红总额突破2600亿元。 其中，6家国有银行的分红金额预计将超过2000亿元，占了2600亿总额的7成左右。工商银行以503.96亿 元位居榜首，建设银行、农业银行、中国银行、邮储银行、交通银行则分别计划分红486.05亿元、 418.23亿元、352.50亿元、147.71亿元、138.11亿元。 此次也是多家银行首次推出分红方案，例如兴业银行、宁波银行等。具体来说，10月30日，兴业银行披 露三季报，同时公告了2025年度中期利润分配预案，拟派发中期分红每10股现金红利5.65元（含税）， 派息总额达119.57亿元，占2025年半年度合并报表口径归属于母公司普通股股东净利润的30.02%。 本文系观察者网独家稿件，未经授权，不得转载。 6家股份银行中，兴业银行和中信银行预计分红超100亿，分别为119.57亿元和104.61亿元。此外，光大 银行预计中期分红62.04亿元，民生银行预计中期分红59. ...

秉持"马上就办、真抓实干"理念，兴业银行信用卡中心早在2023年就开始探索以科技手段实现远程身份 识别，将实时算法比对、人脸识别、视频通话等数智技术嵌入消保投诉处理流程，辅助投诉处理人员识 别疑似"黑灰产"特征。截至今年10月末，兴业银行信用卡中心累计完成超8万次比对，为遏制金融领 域"黑灰产"蔓延贡献力量。 兴业银行信用卡中心积极协同外部力量推进非法中介乱象治理工作。自2023年起，与相关部门、同业机 构等共同开展"非法代理投诉"专项打击活动，齐心协力维护金融消费生态的清朗环境。 如今，信用卡已成为人们日常消费生活的重要工具。兴业银行信用卡中心坚持以人民为中心，将消费者 权益保护融入信用卡业务发展全流程，畅通客户反馈渠道、推动消费者权益保护数智转型、打造多元金 融教育体系，全力谱写消费者权益保护工作新篇章。 倾听消费者诉求，解决消费者急难愁盼问题 兴业银行信用卡中心把倾听客户诉求和解决群众问题作为践行金融为民理念的重要举措，高效解决消费 者急难愁盼问题。 "浦江经验"和新时代"枫桥经验"，是兴业银行信用卡中心推进基层治理、化解一线矛盾的两大"法宝"。 一方面，积极借鉴"浦江经验"，由负责人带头接访接诉，倾听 ...

| 4 | 南京银 行,杭州 | 珠联璧合致远平衡E SG主题(最低持有3 南银理财 | | 364 | -4.4 | 18.6 | 20.0 | | --- | --- | --- | --- | --- | --- | --- | --- | | | | | | 天 | 8% | 8% | 1% | | | 银行 | 64天)Z99002 | | | | | | | 5 | 南京银行 | 珠联璧合致远平衡E SG主题(鲁民语自3 | 南银理财 | 364 天 | -4.4 9% | 18.6 6% | 20.0 0% | | | | 64天)Z99001 | | | | | | | | | 幸福99卓越混合 | | 540 | -16.1 | 16.6 | 25.2 | | 6 | 杭州银行 | (灵活品质严选)一 | 杭银理财 | 天 | 5% | 0% | 1% | | | | 在未接自己 | | | | | | | 7 | 杭州银行 | 幸福99卓越混合类 (偏股成长精选)36 | 杭银理财 | 365 | -17.3 | 14.8 | 24.6 | | | | | | 天 | 7% | 6% | ...

"我将以更加饱满的热情、更务实的作风投身于金融惠民的征程中" 会议提出的"必须充分挖掘经济潜能，必须坚持政策支持和改革创新并举"等重要认识，以及持续扩大内 需、发展新质生产力、防范化解重点领域风险等重点任务，在银行系统基层工作人员中引发广泛热议。 广大基层金融从业者纷纷表示，将深入学习贯彻会议精神，立足本职岗位，把思想和行动统一到党中央 决策部署上来，以务实举措服务实体经济高质量发展，为实现"十五五"良好开局贡献金融力量。 "学习中央经济工作会议精神，让我对当前经济形势有了更深刻的认识，也进一步明确了后续工作努力 方向。"工商银行北京分行海淀支行员工、北京市劳动模范杨爱军表示，将以会议精神为指引，更好地 发挥专业能力，持续推动金融科技成果转化，提高服务小微、科技企业的效率。 围绕会议部署的八大重点任务，银行基层工作人员也结合岗位实际，在服务实体经济、科技创新、绿色 发展等关键领域找准发力点，将会议精神转化为具体工作举措。 本次中央经济工作会议将"坚持内需主导，建设强大国内市场"排在各项重点工作首位，扩大内需被赋予 了越发重要的角色，这为银行业"以旧换新"相关金融产品的拓展提供了更为广阔的市场空间，也为银行 业 ...

Investment Rating - The report maintains an "Overweight" rating for the banking industry, indicating a positive outlook compared to the overall market performance [4][25]. Core Insights - The report highlights a slowdown in credit growth, with November's new social financing at 2.5 trillion yuan, a year-on-year decrease of 159.7 billion yuan, and new loans of 390 billion yuan, down 190 billion yuan year-on-year. The M1 money supply grew by 4.9%, while M2 increased by 8.0%, both showing a decline in growth rates compared to the previous month [1][4]. - The report anticipates that while credit growth may not accelerate significantly, the central bank's commitment to a "moderately loose monetary policy" and support for banks' net interest margins will likely lead to improved revenue for the banking sector in 2026 [4][2]. - Retail demand remains under pressure, with a net decrease in household credit of nearly 206 billion yuan in November, reflecting ongoing deleveraging among consumers. The report suggests that a recovery in retail demand will depend on improvements in household income [4][2]. Summary by Sections Credit and Financing - In November, new loans totaled 390 billion yuan, a year-on-year decrease of 190 billion yuan, with total new loans from January to November at 15.4 trillion yuan, down 1.7 trillion yuan year-on-year. The growth rate of RMB loans remained stable at 6.3% [4][1]. - The report notes that corporate loans saw a slight increase, with 270 billion yuan in new loans, while the issuance of corporate bonds and off-balance-sheet financing provided support against government debt and credit drag [4][7]. Monetary Supply - The M1 money supply grew by 4.9% year-on-year, down from 7.1% in the previous year, while M2 increased by 8.0%, showing a slight decline in growth rates [4][8]. - The report indicates that the decrease in deposits reflects a shift in non-bank deposits, which is closely related to the activity in the equity market [4][8]. Future Outlook - The report expresses optimism for 2026, expecting that the focus on corporate lending will continue, and improvements in the Producer Price Index (PPI) may enhance corporate profitability, positively impacting bank earnings [4][2]. - The report emphasizes the importance of monitoring the effectiveness of stimulus policies aimed at boosting domestic demand, which could lead to a more favorable environment for banks [4][2].

Investment Rating - The industry investment rating is "Overweight (Maintain)" [2] Core Viewpoints - The report indicates that the total social financing (社融) in November increased by 2.49 trillion yuan, which is 159.7 billion yuan more than the same period last year, exceeding the consensus expectation of 2.02 trillion yuan [5][8] - The cumulative social financing for the first eleven months shows a year-on-year growth of 8.5%, maintaining the same growth rate as in October [5][8] - The report highlights a structural differentiation in financing, with trust loans, bond financing, and unendorsed bank acceptance bills showing significant year-on-year increases, while credit and government bonds experienced declines [5][9] Summary by Sections Social Financing Situation - In November, social financing increased by 2.49 trillion yuan, with a year-on-year increase of 159.7 billion yuan, surpassing expectations [5][8] - The cumulative social financing for the first eleven months shows an 8.5% year-on-year increase, consistent with October's growth rate [5][8] Credit Situation - The report notes that the credit supply is lower than in previous years, with November's new RMB loans amounting to 405.3 billion yuan, which is 116.3 billion yuan less than the same month last year [5][12] - The credit balance grew by 6.4% year-on-year, with a slight decline in growth rate compared to the previous month [12] Liquidity and Deposit Situation - The report indicates that M1 growth has slowed, while M2 and M1's differential has slightly expanded [19] - In November, RMB deposits increased by 1.4 trillion yuan, which is 760 billion yuan less than the same period last year, with a year-on-year growth rate of 7.7% [21] Investment Recommendations - The report suggests a shift in the investment logic for bank stocks from "pro-cyclical" to "weak-cyclical," indicating that during periods of economic stagnation, high dividend yields from bank stocks will remain attractive [24] - Two main investment lines are recommended: regional banks with strong certainty and large banks with high dividend yields [24]

【环球网财经综合报道】据公开数据统计，截至12月13日，已有26家A股上市银行披露了2025年中期或季度分 红方案，这一数量超过了2024年同期的24家。预计分红总额突破2600亿元。 本次披露分红方案的银行涵盖6家国有大型银行、6家股份制银行及14家中小银行。其中，国有六大行作为"主力 军"，预计中期现金分红总额超过2000亿元。具体来看，工商银行以约504亿元的分红额度位居榜首，建设银 行、农业银行、中国银行、邮储银行和交通银行紧随其后。 在股份制银行中，兴业银行与中信银行的预计中期分红均超100亿元，光大银行与民生银行则超过50亿元。部分 中小银行的分红额度也较为显著，如上海银行、南京银行等。值得注意的是，兴业银行、宁波银行等多家银行 系首次推出中期分红方案。 业内分析指出，商业银行提高分红频率，是落实新"国九条"关于推动上市公司一年多次分红要求的具体举措。 其核心在于通过常态化、多元化的分红安排，打通上市公司盈利与投资者回报的传导链路，夯实市场健康发展 的根基。 提高分红频率本质上是一种深度的市值管理行为。相较于传统的年度分红，中期或季度分红能够打破回报的时 间滞后性，通过更高频次的现金回报强化投资者 ...

Investment Rating - The report assigns an "Overweight" rating to the banking sector [6] Core Insights - The growth rate of social financing is stabilizing, with a year-on-year increase of 8.5% in November 2025, remaining unchanged from the previous month. Excluding government bonds, the growth rate is 6.0%, which is an increase of 0.1 percentage points from the previous month [6] - New social financing in November amounted to 2.49 trillion yuan, a year-on-year increase of 159.7 billion yuan, primarily supported by corporate bond issuance, while credit and government bonds showed negative growth [6] - The report highlights a trend of short-term borrowing among enterprises, with corporate loans increasing by 610 billion yuan, a year-on-year increase of 360 billion yuan [6][4] Summary by Sections 1. Social Financing Data - In November, the total social financing growth rate was 8.5%, with a new social financing addition of 2.49 trillion yuan, up 159.7 billion yuan year-on-year. The growth rate excluding government bonds was 6.0% [6][2] - Corporate bond financing net increased by 416.9 billion yuan, a year-on-year increase of 178.8 billion yuan, primarily driven by state-owned enterprises [6][4] 2. Credit and Loan Trends - The report indicates a weak increase in credit, with November's RMB loan growth rate at 6.4%, down 0.1 percentage points from the previous month. New loans for the month totaled 390 billion yuan, a year-on-year decrease of 190 billion yuan [6] - Personal loans decreased by 206.3 billion yuan, with short-term loans down by 215.8 billion yuan year-on-year, indicating pressure on both short-term and medium-to-long-term loans [4][6] 3. Deposit Trends - RMB deposit growth rate in November was 7.7%, down 0.3 percentage points from the previous month, with new deposits amounting to 1.41 trillion yuan, a year-on-year decrease of 760 billion yuan [6] - The report notes a slowdown in deposit migration, with corporate deposits increasing by 645.3 billion yuan, a year-on-year decrease of 94.7 billion yuan [6][4] 4. Investment Recommendations - The report suggests focusing on three investment themes: identifying banks with potential for performance growth, emphasizing banks with convertible bond expectations, and continuing dividend strategies [6]

进一步统计，近3个月内该股累计发生6笔大宗交易，合计成交金额为2.63亿元。 （原标题：兴业银行大宗交易成交413.00万元，卖方为机构专用席位） 兴业银行12月12日大宗交易平台出现一笔成交，成交量20.00万股，成交金额413.00万元，大宗交易成交 价为20.65元。该笔交易的买方营业部为国泰海通证券股份有限公司总部，卖方营业部为机构专用。 两融数据显示，该股最新融资余额为86.35亿元，近5日减少1.20亿元，降幅为1.37%。（数据宝） 12月12日兴业银行大宗交易一览 | 成交量 （万股） | 成交金额 （万元） | 成交价格 （元） | 相对当日 收盘折溢价 （%） | 买方营业部 | 卖方营业部 | | --- | --- | --- | --- | --- | --- | | 20.00 | 413.00 | 20.65 | 0.00 | 国泰海通证券股份有限公司总部 | 机构专用 | 注：本文系新闻报道，不构成投资建议，股市有风险，投资需谨慎。 证券时报•数据宝统计显示，兴业银行今日收盘价为20.65元，上涨1.13%，日换手率为0.45%，成交额为 19.68亿元，全天主力资金净流出1. ...