7月30日金融一线消息，国家金融监督管理总局山东监管局行政处罚信息公开表显示，因票据业务贸易背景审核不尽职，兴业银行两家支行合计被罚65万元。 其中，兴业银行股份有限公司临沂商城支行因票据业务贸易背景审核不尽职，被罚款35万元。同时，隋明夏（时任兴业银行股份有限公司临沂商城支行行长）因票据业务贸易背景审核不尽职，被 兴业银行股份有限公司威海文登支行因票据业务贸易背景审核不尽职，被罚款30万元。同时，潘逸泽（时任兴业银行股份有限公司威海文登支行客户经理）因票据业务贸易背景审核不尽职，被警 以下为罚单详细信息： | | | | | 作出决定 | | | --- | --- | --- | --- | --- | --- | | 序号 | 当事人名称 | 行政处罚决定书文号 | 主要违法违规行为 | 行政处罚内容 | | | | | | | 机关 | | | 1 | 兴业银行股份有限公司临沂商城支行 | 鲁金罚决字〔2025〕90号 | 票据业务贸易背景审核不尽职 | 罚款35万元 | 国家金融监督管理总局山东监管局 | | 2 | 隋明夏（时任兴业银行股份有限公司临沂商城支行行长） | 鲁金罚决字〔2025〕91 ...

法国兴业银行股价上涨1.2%，触及2011年2月以来最高水平。 ...

证券之星消息，7月30日股份制银行板块较上一交易日上涨0.59%，平安银行领涨。当日上证指数报收于 3615.72，上涨0.17%。深证成指报收于11203.03，下跌0.77%。股份制银行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 000001 | 平安银行 | 12.49 | 1.22% | 171.52万 | 21.50亿 | | 601998 | 中信银行 | 8.19 | 0.86% | 55.85万 | 4.58亿 | | 601818 | 光大银行 | 4.08 | 0.74% | 154.46万 | 6.31亿 | | 600000 | 浦发银行 | 12.88 | 0.70% | 72.16万 | 9.28 6 | | 600036 | 招商银行 | 44.42 | 0.63% | 72.55万 | 32.22 乙 | | 601916 | 浙商银行 | 3.43 | 0.29% | 205.64万 | 7.08亿 | | 601166 | 兴业银行 ...

从中证沪港深500金融指数持仓的市场板块来看，香港证券交易所占比51.39%、上海证券交易所占比 42.37%、深圳证券交易所占比6.23%。 从中证沪港深500金融指数持仓样本的行业来看，银行占比60.34%、保险占比19.79%、资本市场占比 18.75%、其他金融占比1.12%。 资料显示，该指数系列样本每半年调整一次，样本调整实施时间分别为每年6月和12月的第二个星期五 的下一交易日。权重因子随样本定期调整而调整，调整时间与指数样本定期调整实施时间相同。在下一 个定期调整日前，权重因子一般固定不变。特殊情况下将对该指数系列样本进行临时调整。当样本退市 时，将其从指数样本中剔除。样本公司发生收购、合并、分拆等情形的处理，参照计算与维护细则处 理。当中证沪港深500指数、中证沪港深互联互通中小综合指数和中证沪港深互联互通综合指数样本发 生变动时，将进行相应调整。 金融界7月30日消息，A股三大指数收盘涨跌不一，中证沪港深500金融指数(沪港深500金融，H30464) 报2380.79点。 数据统计显示，中证沪港深500金融指数近一个月上涨2.83%，近三个月上涨15.09%，年至今上涨 17.89%。 ...

转自：新华财经 2025年是《存款保险条例》实施十周年，为进一步做好存款保险宣传，提升宣传有效性，提高公众认知 度，兴业银行青岛分行开展系列"存保护航 倾心为民"宣传活动，扩大金融知识普及覆盖面，为提升公 众金融素养、维护区域金融稳定贡献积极力量。 此次"存保十年"系列宣传活动，是兴业银行青岛分行积极履行社会责任、提升金融服务水平的重要体 现。未来，兴业银行青岛分行将持续强化公众金融知识宣传教育，常态化开展存款保险宣传工作，秉 承"真诚服务，相伴成长"的服务理念，切实依法保护存款人的合法权益，为构建和谐健康的金融环境贡 献更大力量。（宋沛航） 编辑：赵鼎 近日，兴业银行青岛城阳支行走进青岛某工程塑料有限公司，为一线基础工人开展存款保险宣教活动， 以精准服务助力提升公众金融安全感。一线工人普遍存在对金融政策了解有限、对存款安全保障存在疑 虑的情况。兴业银行青岛城阳支行精准把握这一需求，组织党员、团员组成志愿者宣传小队，携带存款 保险宣传折页、海报等资料走进厂区，在企业会议室为员工开展面对面宣讲。活动以"存款保险是什 么？我的钱存银行安全吗？"为核心问题，通过"案例+政策"结合的方式，用通俗语言拆解专业内容，帮 ...

Core Viewpoint - Industrial Bank has announced the establishment of the first batch of 34 "Key International Business Branches" in China, with two branches in Xiamen officially unveiled, highlighting the bank's commitment to enhancing international business services in a strategic economic zone [1] Group 1: International Business Focus - The Xiamen Free Trade Zone branches are positioned to serve over a hundred import and export foreign trade enterprises, leveraging Industrial Bank's global network and digital financial platforms [1] - The branches aim to optimize their service efficiency and contribute to the development of a new economic structure in Xiamen, a key city in the "Maritime Silk Road" strategy [1] Group 2: Xiamen Free Trade Zone Xiangyu Branch - Located near major logistics hubs, the Xiangyu branch focuses on cross-border payment solutions, having implemented the first CIPS standard sender and receiver in the province and the first multilateral central bank digital currency bridge in Xiamen [2] - The branch enhances cross-border settlement efficiency for enterprises, supporting the local area in advancing digital currency applications [2] - It offers comprehensive financial services tailored to the shipping industry, including direct payment for shipping receipts and rapid payment for freight [2] Group 3: Xiamen Guanyinshan Branch - Situated in the International Business Operations Center, the Guanyinshan branch targets multinational corporations and high-tech companies, providing personalized financial services [3] - The branch utilizes a full account system to offer a one-stop cross-border financial service platform, facilitating global market expansion for local enterprises [3] - The unveiling of these key international business branches signifies a commitment to deepening financial supply-side reforms and enhancing support for the real economy [3]

Core Viewpoint - The A-share market has experienced a continuous upward trend since mid-June, with all three major indices reaching new highs for the year, driven by significant capital inflows and supportive macro policies [1] Group 1: Market Performance - As of July 30, the three major stock indices showed slight gains, with the Shanghai 180 Index continuing to rise [1] - The Shanghai Composite Index closed at 3609 points, up 0.33%, the Shenzhen Component Index at 11289 points, up 0.64%, and the ChiNext Index at 2406 points, up 1.86% [1] Group 2: Key Stocks - Notable performers included WuXi AppTec, which rose by 2.71%, China Ping An by 2.19%, and Zijin Mining by 1.33%, while Guizhou Moutai, Yangtze Power, and Industrial Bank also saw slight increases [1] Group 3: Analyst Insights - The Chief Analyst of A-share Strategy at CITIC Securities, Qiu Xiang, indicated that the significant improvement in capital inflows and ongoing macro policies have shifted the A-share market towards an incremental market [1] - Investment strategies are recommended to transition from trading-oriented to holding-oriented, with resilient fundamentals in sectors like AI and innovative pharmaceuticals becoming core investment themes [1] - Sectors with appropriate valuation levels are expected to present good allocation opportunities [1]

Core Viewpoint - The article discusses the evolution of capital management tools in commercial banks, highlighting the shift from preferred shares to perpetual bonds as the primary means of capital supplementation due to changing market conditions and financial strategies [2][5][7]. Group 1: Preferred Shares Redemption - Recently, A-share listed banks have initiated a wave of preferred share redemptions, with Industrial Bank announcing the redemption of all its preferred shares totaling 56 billion yuan [2][3]. - The trend indicates that banks are moving away from issuing preferred shares as a primary capital supplement, despite their historical popularity [2][5]. - The high dividend rates of previously issued preferred shares are becoming less attractive in the current low-interest-rate environment, prompting banks to seek more cost-effective alternatives [4][5]. Group 2: Cost Savings and Financial Management - Industrial Bank's decision to redeem its preferred shares was influenced by the high financial costs associated with maintaining these shares, with expected dividend payments of 2.597 billion yuan in 2024 [3][4]. - The shift towards redeeming preferred shares is also driven by the lower costs associated with issuing perpetual bonds, which can save banks significant financial resources [3][5]. - Analysts suggest that banks can achieve substantial savings by redeeming preferred shares and issuing perpetual bonds instead, as the latter has a much lower issuance cost [3][5]. Group 3: Capital Management Strategies - The average core Tier 1 capital adequacy ratio for commercial banks was reported at 10.7% as of the first quarter of 2025, with many banks falling below this average [7]. - Banks are increasingly focusing on capital management strategies that prioritize reducing risk-weighted assets and enhancing asset returns, particularly in light of current profitability pressures [7][8]. - The implementation of advanced capital measurement methods poses additional challenges for banks, requiring them to adapt their risk-weighted asset calculations to meet regulatory standards [8].

低息差环境与转型压力之下，商业银行下半年经营路线图如何谋划？近期密集召开的年中工作会议给出答案。7月29日，北京商报记者梳理发现，农业银 行、广发银行、浦发银行、光大银行、华夏银行、平安银行、兴业银行、北京银行、苏州银行、长沙银行等多家银行近日召开2025年年中工作会议，金 融"五篇大文章"、优化业务结构、数字化转型等成为下半年银行工作的"关键词"，部分银行更将"反内卷"纳入工作要点。 业内分析人士指出，下半年银行业发力的核心仍要落在"实效"上。既要把"五篇大文章"的特色路径转化为具体业务的渗透率与客户获得感，也要让数字化转 型跳出技术堆砌的困境，真正嵌入业务流程以实现降本提效，同时需警惕低息差下的风险边际变化，在普惠小微、科创企业等领域平衡好规模扩张与资产质 量。 从数字化向数智化转型 在低息差持续的背景下，银行业正通过改革寻找新动能。平安银行零售端重塑信用卡竞争力、升级财富管理体系，对公端启动战略改革，以提升风险调整后 收益率为目标优化客群结构，下半年更将推进四大改革强化总行对一线的赋能支撑；农业银行则加速智慧银行建设，用科技为基层减负，以"客户满意、员 工满意"为目标优化业务流程；光大银行则提出平稳有序 ...

Group 1: Overview of Rankings - In 2025, a total of 9 Chinese banks and 7 insurance companies made it to the Fortune Global 500 list, with 6 institutions entering the top 100 [1][6] - Among banks, Agricultural Bank of China rose in rank, surpassing China Construction Bank to become the second-ranked domestic bank, while Minsheng Bank fell 36 places [1][4] - In the insurance sector, China Life Insurance surpassed Ping An Insurance to become the top-ranked domestic insurer, with Xinhua Life Insurance making a comeback to the list [5][7] Group 2: Bank Rankings and Changes - The rankings of major Chinese banks in the 2025 Fortune Global 500 are as follows: ICBC (26), Agricultural Bank (30), China Construction Bank (31), and Bank of China (38) [2][3] - Minsheng Bank experienced the largest drop, falling 36 places to rank 207, while Agricultural Bank was the only bank to rise, gaining 4 places [3][4] Group 3: Insurance Rankings and Changes - The 7 Chinese insurance companies on the list include China Life, Ping An, People's Insurance, Pacific Insurance, Taikang Insurance, AIA, and Xinhua Life [6][7] - Pacific Insurance saw the largest increase in rank, rising 80 places, while Taikang Insurance improved by 47 places [7] Group 4: Profitability Insights - ICBC is the only Chinese company in the top ten of the Fortune Global 500's most profitable companies, with profits exceeding $50.8 billion [8][10] - China Merchants Bank ranked tenth in profit margin at 29.3%, while several other banks and insurance companies also made it to the list of the most profitable companies [10][12]