证券日报网讯12月19日晚间，王府井（600859）发布公告称，公司使用暂时闲置募集资金6亿元购买华 夏银行（600015）光华支行、北京银行（601169）北洼路支行结构性存款，期限75天、89天、188天， 截至本公告日最近12个月尚未收回本金余额145，000万元。 ...

Core Viewpoint - The issuance of technology innovation bonds (科创债) by banks has significantly increased, with a total issuance scale reaching 301.4 billion yuan as of December 18, indicating a strong market response to the regulatory support initiated in May 2023 [3][14]. Issuance Scale - A total of 67 banks have issued 75 technology innovation bonds, with the largest share coming from state-owned banks, which account for 38.16% of the total issuance [3][15]. - The six major state-owned banks have collectively issued bonds worth 115 billion yuan, while city commercial banks and rural commercial banks have also become significant players, with issuance scales of 74.9 billion yuan and 15 billion yuan respectively [4][17]. Interest Rates - The interest rates for technology innovation bonds vary, with state-owned banks offering rates between 1.65% and 1.81%, while city and rural commercial banks have higher rates ranging from 1.67% to 2.07% [7][21]. - Notably, some city and rural commercial banks have rates exceeding 1.8%, indicating a competitive pricing environment [3][18]. Maturity Periods - The majority of the issued bonds have a maturity period concentrated around 5 years, which accounts for over 70% of the total, followed by 3-year bonds at over 20% [11][22]. - This maturity structure is designed to meet the medium to long-term funding needs of technology enterprises for research and development, as well as for project implementation [22]. Funding Allocation - The funds raised through these bonds are primarily directed towards technology innovation sectors, including the issuance of loans for technology projects and investments in innovative enterprises [6][17].

12月19日，国家金融监督管理总局浙江监管局网站发布关于浙江文成北银村镇银行变更股权的批复，同 意北京银行股份有限公司受让北京恒观商贸有限责任公司持有的该行522.5万股股份，受让浙江东海石 油实业有限公司持有的该行522.5万股股份，受让杭州兴惠纺织有限公司持有的该行418万股股份，受让 青田县名典鞋业有限公司持有的该行418万股股份，受让杭州绿都医疗器械有限公司持有的该行418万股 股份，受让四川庞度环保科技有限公司持有的该行418万股股份，受让武汉浙南管桩有限公司持有的该 行418万股股份，受让后，北京银行股份有限公司合计持有该行5225万股股份，持股比例为100%。 ...

Core Viewpoint - The issuance of technology innovation bonds by banks has significantly increased since the announcement by the central bank and the China Securities Regulatory Commission on May 7, with a total issuance scale reaching 301.4 billion yuan by December 18, 2023 [1][2]. Issuance Scale - A total of 67 banks have issued 75 technology innovation bonds, with state-owned banks being the primary issuers, accounting for 38.16% of the total issuance [1][3]. - The six major state-owned banks have collectively issued bonds worth 115 billion yuan, while city commercial banks and rural commercial banks have issued 74.9 billion yuan and 15 billion yuan, respectively [1][5]. - The issuance period is mainly concentrated in 5-year bonds, followed by 3-year bonds, with a small number of 6-month and 7-year bonds [1][9]. Interest Rates - The interest rates for the issued bonds range from 1.67% to 2.07%, with state-owned banks having slightly lower rates between 1.65% and 1.81% [1][7]. - City commercial banks and rural commercial banks have higher rates, with many exceeding 1.8% [1][9]. - The policy banks have rates of 1.4% for the National Development Bank and 1.65% for the Agricultural Development Bank [1][7]. Fund Allocation - The funds raised from technology innovation bonds are directed towards technology innovation sectors, including issuing loans for technology and investing in technology innovation enterprises [6].

Group 1 - The core viewpoint of the articles indicates that since 2025, there has been an accelerated redemption of bank preferred shares, with several banks announcing their plans to redeem these shares, leading to a shrinking market for preferred stocks, particularly in the banking sector [1][4][7] - As of December 18, 2023, a total of 55 preferred shares have been issued, raising a total of 906.55 billion yuan, with bank preferred shares accounting for 35 of these, totaling 839.15 billion yuan [1][4] - The redemption trend is primarily driven by banks seeking to optimize financing costs, with significant redemptions occurring this year compared to only two last year [4][7] Group 2 - The preferred shares are a major component of bank wealth management products, with over 90% of equity investments in these products being allocated to preferred shares [2][10] - Due to the shrinking market for preferred shares, wealth management products are now looking for alternative investment options, as the supply of preferred shares diminishes [3][10] - The issuance of perpetual bonds has surged, with 69 perpetual bonds issued this year, totaling 821.8 billion yuan, indicating a shift in capital-raising strategies among banks [8][12] Group 3 - The redemption of preferred shares must comply with capital adequacy requirements, necessitating prior approval from regulatory authorities to ensure banks maintain sufficient capital levels [8] - The fixed and floating interest rates of preferred shares are subject to adjustments, with some banks reducing their dividend rates in response to changing market conditions [7] - The overall market for equity assets in bank wealth management has been declining, with the proportion of equity assets dropping from 4.8% in 2020 to around 2% by the end of 2023 [10][11]

二是数智化金融。北京银行坚持将数智化作为高质量发展第一动力，建成了统一的数据底座、统一的金 融操作系统、统一的风控平台三个统一。用人工智能更新思维、更新工具、更新能力，打造人工智能驱 动的商业银行。 三是生态化赋能。试图打造企业、企业家和金融机构之间的朋友关系，加强生态合作。 （编辑 张伟） 《中共中央关于制定国民经济和社会发展第十五个五年规划的建议》提出，多渠道增加城乡居民财产性 收入。对此，霍学文认为，相信财富管理会迎来新的一轮战略机遇。面向未来，北京银行将重点沿着三 个方向开辟财富管理的新路径。 一是融合化发展。推动财富金融、人才金融、专精特新金融深度融合，互相促进，相得益彰。未来将进 一步贯通一体化金融服务，统筹做好专精特新企业、研发人才等客群的财富管理、家庭金融服务。同时 挖掘财富客群背后的企业金融需求，推动大财富管理体系扩容提质，一体创造财富价值、创新价值、产 业价值和社会价值。 本报记者 朱宝琛 12月18日，北京银行党委书记、董事长霍学文在"《财经》年会2026：预测与战略暨2025全球财富管理 论坛"上表示，财富管理一个担子挑两端，一端挑着万家灯火，一端挑着国家大计。一方面帮助家庭实 现资产 ...

【北京银行董事长霍学文：#打击针对老人的非法集资靠孩子特别有效#】#培养好下一代财商意识就是 管好老百姓的钱袋子##培养会理财的小朋友或出现很多个巴菲特# 12月18日，北京银行党委书记、董事 长霍学文表示，我们做好儿童金融，建成了全国首家儿童友好型银行，加强孩子的财商教育、传统文化 素质教育和社交能力培养。我们已经服务了260万个孩子，帮助孩子管理压岁钱超过200亿元。我们是这 么看待儿童金融的：我们不是为了赚孩子的钱，但是孩子有两件事是大人替代不了的。想打击非法集 资，最难的是怎么说服老年人不投这个钱。我们在打击非法集资的时候发现一个特别有效的办法，只要 孙子孙女外孙子外孙女说你不能买，他就真不买，儿子儿媳妇女儿女婿说真的不太管用。所以培养好下 一代的财商意识就是管好老百姓的钱袋子。另一方面我们在存量时代怎么样培育一批会管钱、会理财、 会投资的小朋友，也许他们中间会出现很多个巴菲特，那我们国家的长远发展就有了根基。 #财经年会 · 年度对话 · 全球财富管理论坛#由北京市通州区人民政府指导，《财经》杂志、财经网、《财经智库》 主办的"#财经年会2026#：预测与战略 · 年度对话暨2025全球财富管理论坛 ...

专题：财经年会2026：预测与战略暨2025全球财富管理论坛 新浪声明：所有会议实录均为现场速记整理，未经演讲者审阅，新浪网登载此文出于传递更多信息之目 的，并不意味着赞同其观点或证实其描述。 责任编辑：李思阳 专题：财经年会2026：预测与战略暨2025全球财富管理论坛 《财经》年会2026：预测与战略暨2025全球财富管理论坛于2025年12月18-20日在北京举行。北京银行 党委书记、董事长霍学文表示做好儿童金融，北京银行建成了全国首家儿童友好型银行，加强孩子的财 商教育、传统文化素质教育、社交的教育，已经服务了260万个孩子，帮助孩子管理压岁钱超过200亿。 "我们是这么看待儿童金融，不是为了赚孩子的钱，但是孩子有两件事儿是大人替代不了的。要想打击 非法集资，最难的是怎么说服老年人不投这个钱。我们在打击非法集资的时候，发现一个特别有效的办 法，只要这个孙子孙女，外孙子、外孙女说你不能买，他就真不买。儿子儿媳妇，女儿女婿，说真的不 太管用。所以培养好下一代的财商意识，就是管好老百姓的钱袋子。"他说。 《财经》年会2026：预测与战略暨2025全球财富管理论坛于2025年12月18-20日在北京举行。北京 ...

2025年12月12日，北京银行（601169）发布公告称，根据行内系统升级安排，北京银行于2025年12月17 日（周三）03:00至03:30期间暂停运行大额支付系统、小额支付系统。支付系统停运期间，您的跨行收 款业务将会受到影响，跨行付款业务仍可通过个人手机银行、个人网银实时汇款功能、成长版企业网银 小额快汇功能办理。请您提前做好资金使用安排，由此给您带来的不便，敬请谅解。 ...

Core Viewpoint - Beijing Bank has successfully positioned itself as a key player in supporting innovation and the real economy over the past thirty years, focusing on nurturing new productive forces and fostering a symbiotic relationship with enterprises [1][12]. Group 1: Nurturing Innovation - The bank's long-term strategy in the technology innovation sector has allowed it to cultivate "seeds" of future productive forces, providing essential financial support to innovative SMEs and contributing to China's modernization [1][12]. - Beijing Bank acts as a financial intermediary, unlocking potential value in future industries while safeguarding the production value of traditional sectors [2][6]. Group 2: Supporting Emerging Industries - The bank emphasizes the importance of investing in "seeds" that can generate future growth momentum, accepting short-term uncertainties for long-term value [4][5]. - Beijing Bank has supported numerous seed enterprises in future industries, such as Digital Huaxia, which focuses on humanoid robots and intelligent hardware, by providing tailored financial products like "Lianchuang e-loan" [5][12]. Group 3: Partnership with Leading Enterprises - Beijing Bank has a long-standing partnership with leading companies like BOE Technology Group, providing comprehensive financial services that have supported the company's growth over two decades [8][9]. - The bank has actively participated in financing BOE's technological innovations, including issuing technology innovation bonds totaling over 1 billion yuan [9][12]. Group 4: Revitalizing Traditional Industries - Traditional industries serve as the foundation for future technological advancements, and financial support for their upgrade is crucial for maintaining their core value [11][12]. - Beijing Bank has provided significant financial backing to companies like Shenwan Innovation, facilitating their expansion and technological upgrades through products like "Kechuang e-loan" [12]. Group 5: Future Outlook - With the Chinese government's focus on high-level technological self-reliance and the development of new productive forces, Beijing Bank aims to deepen the integration of finance and technology, offering more flexible products and intelligent services [13].