Core Insights - Chongqing Bank successfully issued the first bank technology innovation bond in the western region, with a scale of 3 billion yuan and a subscription multiple of 3.39 times, marking the lowest coupon rate in the bank's history at 1.85% [2] - Since the launch of the "technology board" on May 7, over 200 technology innovation bonds have been issued, totaling more than 380 billion yuan, with banks being the main issuers [2][3] - The issuance of technology innovation bonds has expanded the range of financing entities, primarily supporting financial institutions, technology enterprises, and private equity investment institutions [3] Summary by Category Issuance Details - The technology innovation bond market has seen significant participation from major banks, with the top five state-owned banks issuing a total of 1.1 billion yuan in bonds [3] - Among national joint-stock banks, several banks have issued bonds ranging from 50 million to 150 million yuan, totaling 450 million yuan [4] - The average financing cost of technology innovation bonds is lower than that of similar bonds due to the high qualifications of the issuers [4] Investor Participation - Investors in technology innovation bonds primarily include commercial banks and wealth management companies, with significant investments directed towards sectors like integrated circuits and high-end manufacturing [6] - The current investor base is characterized by a low risk appetite, with a need for diversification in the future [6][7] Policy and Market Outlook - Regulatory bodies are working to improve the support mechanisms for technology innovation bonds, encouraging various financial institutions and long-term funds to participate [7] - Future developments may include an expansion of the market size, broadening of issuer categories, and the creation of technology innovation bond index funds [8]

Core Viewpoint - A successful interception of a telecom fraud case occurred at the Beijing Bank's Shanghai Yangtze River Delta Integration Demonstration Zone branch, where staff saved a customer from losing 100,000 yuan [1][4]. Group 1: Incident Overview - A customer approached the bank to redeem investments and withdraw cash, claiming to invest in a high-yield product not offered by licensed financial institutions, raising suspicions among bank staff [3][4]. - The customer initially expressed urgency to withdraw 100,000 yuan for tutoring fees, which contradicted her earlier statements about investing, prompting bank staff to suspect potential fraud [3][4]. Group 2: Response and Actions - Bank staff, leveraging their experience, activated an emergency response plan by contacting the customer's daughter for verification and reporting the suspicious activity to the local anti-fraud center [4]. - The investigation revealed it was a typical "pig butchering" scam, where fraudsters build trust through social media and fake investment returns to lure victims into transferring funds [4]. Group 3: Recognition and Commitment - The collaboration between the police and bank staff successfully prevented the fraudulent transaction, earning the bank staff a commendation letter from law enforcement for their keen insight and professional judgment [4]. - Beijing Bank is committed to the principle of "finance for the people," focusing on preventing illegal financial activities and enhancing financial service levels to protect citizens' assets [4].

Core Viewpoint - The announcement by Beijing Bank marks the end of an era for direct banks in China, as it plans to migrate its direct banking services to its "Jingcai Life" mobile banking app by June 25, 2025, leading to the discontinuation of the first direct banking channel in the country [1] Group 1: Industry Trends - The number of operational direct banking apps has decreased to fewer than 20, a significant drop from 135 at its peak in 2017, indicating an over 85% market elimination rate [1] - Direct banks were initially popular due to their convenience and low operational costs, but have faced challenges leading to their decline [2] Group 2: Historical Context - Beijing Bank launched the first direct bank in collaboration with ING Group in September 2013, during a time of rapid growth in internet finance, with direct banks seen as a key tool for digital transformation [2] - By 2015, Beijing Bank's direct banking customer base reached 246,000, with savings deposits increasing by 463.1% compared to the beginning of the year [2] - The last reported customer count for Beijing Bank's direct banking was 476,000 in 2019, with 60.7% being external customers, but this segment has since disappeared from annual reports [2] Group 3: Challenges Faced - The decline of direct banks is attributed to overlapping positioning and structural dependencies, leading to unclear development paths and customer confusion [3] - The distinction between direct banks and mobile banking has blurred, as mobile banking apps have integrated various services, resulting in significant product overlap [3][4] - Direct banks often lack independent management structures, being subordinate to traditional banks, which hampers their ability to innovate and compete effectively [4] Group 4: Future Outlook - The closure and integration of direct banking services are seen as a trend that will continue in the industry [6] - Remaining independent direct banks, such as Baixin Bank and YouHui WanJia, are exploring new development paths that differ from traditional departmental structures [6] - Baixin Bank, established in January 2017, aims to bridge traditional banking and internet enterprises, but has faced challenges, including a 23.74% decline in net profit in 2024 [6] - The evolution of direct banks serves as a lesson for commercial banks to explore a hybrid online-offline business model while maintaining a clear positioning and leveraging their strengths [6]

证券代码：601169 证券简称：北京银行 公告编号：2025-033 戴炜先生的简历详见本行于 2025 年 4 月 1 日在上海证券交易所 网站（www.sse.com.cn）发布的《北京银行股份有限公司董事会决议 公告》（编号：2025-010）。 特此公告。 北京银行股份有限公司董事会 2025 年 5 月 31 日 北京银行股份有限公司 关于董事、行长任职资格获监管机构核准的公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或者重大遗 漏，并对其内容的真实性、准确性和完整性承担个别及连带责任。 北京银行股份有限公司（以下简称"本行"）于近日收到《北京 金融监管局关于戴炜北京银行股份有限公司董事、行长任职资格的批 复》（京金复〔2025〕273 号）。北京金融监管局已核准戴炜先生担任 本行董事、行长的任职资格。 ...

Core Insights - The article highlights the growing trend of children's financial education and the role of banks in providing tailored financial services for children, emphasizing the importance of instilling financial literacy from a young age [1][2][6]. Group 1: Children's Financial Services - Banks are increasingly offering specialized financial products for children, such as dedicated savings accounts and financial management tools, to help them manage their money effectively [4][5]. - Beijing Bank launched the "京萤计划" (Jingying Plan) to provide a range of children's financial services, evolving from version 1.0 to 3.0, which includes features for family interaction and digital management [2][3]. - Other banks, like China Merchants Bank and Minsheng Bank, have introduced innovative services like "金小葵管家" (Golden Little Sunflower Butler) and "财富小管家" (Wealth Little Butler) to cater to the financial needs of children and their parents [2][3]. Group 2: Financial Literacy and Education - The concept of financial literacy for children is gaining traction among parents, who are increasingly focused on teaching their children about money management [1][6]. - Banks are creating child-friendly environments in their branches, including dedicated areas for financial education and activities, to engage children in learning about finance [3][5]. - The collaboration between banks and educational institutions has led to numerous events aimed at promoting financial literacy among children, with over 30,000 activities held [3]. Group 3: Market Trends and Future Directions - The children's financial market is seen as a significant growth area for banks, with the potential to enhance overall family banking services [6][7]. - As competition increases, banks are encouraged to develop differentiated financial products tailored to various age groups, ensuring that services meet the specific needs of children at different developmental stages [7]. - The future of children's financial services may involve more personalized offerings and engaging educational initiatives to foster financial literacy [6][7].

记者了解到，依托京西产业引导基金，门头沟区正筹备设立2只投资基金，重点布局人工智能、智能制 造等领域，通过"以投带引"模式吸引优质企业集聚发展。值得关注的是，门头沟区数据资产质押融资探 索取得重大突破——全国首笔自然景物暨门头沟区首笔数据资产质押融资案例落地。 在人才服务方面，门头沟区一方面鼓励金融机构为科技人才提供资产配置、消费贷款等综合金融服务， 还建立了专业的科技金融服务团队，支持人保财险设立科技保险属地服务团队。另一方面通过"京西聚 智计划"、高新产业青年人才"三个一"支持计划等，构建完善的人才发展生态体系，从职业发展、生活 保障都做了实打实配套，让更多年轻人扎根门头沟。 编辑 张树婧 新京报讯（记者周怀宗）日前，北京银行门头沟绿色支行正式挂牌"科技特色支行"，门头沟区科技金融 服务也随之全面升级。 据介绍，门头沟区近年来不断推进"生态立区、文化兴区、科技强区"发展战略，科技金融作为推动区域 绿色转型发展的重要引擎和创新突破的关键抓手，通过政策创新、资金支持、人才培养等多维度协同发 力，已取得了显著成效。 在政策方面，门头沟区发布了《门头沟区推进科技金融京西试验区建设工作方案》，围绕加强政策支撑 引领 ...

Core Viewpoint - The direct banking sector in China, once highly anticipated, is witnessing a significant decline, with major banks like Beijing Bank announcing the integration of their direct banking services into traditional mobile banking apps, marking the exit of the first direct bank [2][6]. Development of Direct Banks - The development of direct banks in China began in 2013, with Beijing Bank launching the first direct banking service, which was seen as a new era for the industry [4][5]. - At its peak, the number of direct banks exceeded 100, with city commercial banks and rural commercial banks being the primary participants [5]. Business Performance and Challenges - Beijing Bank's direct banking service saw rapid growth initially, with customer numbers reaching 476,000 by 2019 and total funds sold amounting to 11.56 billion yuan [6]. - However, since 2017, major state-owned and joint-stock banks have been adjusting their direct banking channels, leading to a trend of merging these services into mobile banking apps [6][8]. Market Dynamics - The number of operational direct banking apps has drastically reduced to about a dozen, primarily among smaller city and rural banks [2][8]. - Many direct banks have failed to establish a distinct market position, often serving merely as online extensions of traditional banking services, leading to a lack of competitive advantage [8][10]. Regulatory and Operational Constraints - The tightening of regulatory policies and the issue of product homogeneity have further restricted the growth potential of direct banks [9][10]. - Independent direct banks face significant challenges, including the need for complete operational independence from their parent banks, which complicates their ability to build profitable customer acquisition models [12][13]. Performance of Independent Direct Banks - Independent direct banks like Baixin Bank and Postal Savings Bank's Postal Huinong have not performed well, with Baixin Bank reporting a net profit decline of 23.74% in 2024 [12]. - The termination of the establishment of another independent direct bank,招商拓扑, highlights the difficulties in launching new entities in this space [13].

作 者丨林秋彤 编 辑丨曾芳 低利率环境下，银行股股息率"逆势而上"。 据wind数据，截至5月28日最新收盘， 42家A股上市银行中有15家银行的股息率已自2023年至今连续上升。 例如，南京银行2023年、2024年 和最新收盘的股息率分别为4.92％、5.11％、7.67％；江苏银行2023年、2024年和最新收盘的股息率分别为4.32％、4.78％、7.13％；渝农商 行2023年、2024年和最新收盘的股息率分别为3.95％、4.17％和6.60％。 此外，平安银行、民生银行、厦门银行和北京银行等，其股息率已经突破7％，且较今年年初有大幅上涨。截至最新收盘，上述几家银行股息 率分别为8.40％、8.10％、7.26％和7.02％，较2024年末分别上涨了3.11、3.60、2.36和1.91个百分点。 整体来看，42家A股上市银行中共有21家银行的最新收盘股息率较去年末有所上涨，有9家银行与去年末有所持平。 银行股走势稳健 与股息率"逆势而上"相对应的，是银行股走势稳健延续。 记者梳理发现，15家股息率连续上涨的银行中，除兰州银行和苏州银行外，其余13 家银行2024年全年股价涨幅均超过了40％。 ...

Group 1 - The direct banking model, which was once highly anticipated, is now witnessing a decline, with the first explorer, Beijing Bank, announcing the migration of its direct banking services to its mobile banking app by June 25, 2025 [2][4] - Currently, only a handful of local small and medium-sized banks operate direct banking apps, such as Hunan Bank and Tieling Bank, indicating a significant reduction in the number of active direct banks [5] - The direct banking model was first introduced by Beijing Bank on September 18, 2013, and by 2019, it had reached 476,000 customers with a cumulative sales amount of 11.56 billion yuan [5] Group 2 - The integration or shutdown of direct banking services is primarily attributed to the enhanced functionality of mobile banking apps, which now meet diverse user needs, diminishing the standalone value of direct banks [7] - The decline in internet traffic benefits and the rising customer acquisition costs have also posed challenges to the operational model of direct banks [7]

Core Insights - The direct banking model, once a highlight in the fintech wave, is undergoing significant changes, with Beijing Bank announcing the integration of its direct banking services into its "Jingcai Life" mobile banking app by June 25, 2025, marking the first such integration in China [2] - Direct banks, which operate without physical branches and provide services through electronic channels, initially saw explosive growth after their launch, but have faced challenges since 2019, leading to a decline in visibility in annual reports [2] - Several banks, including Hankou Bank and Minsheng Bank, have already integrated or shut down their direct banking apps, raising concerns about the future of direct banking in the market [2] Industry Analysis - Experts attribute the challenges faced by direct banks to factors such as organizational structure, resource allocation from parent banks, and market competition, indicating a lack of a complete service ecosystem and unique competitive advantages [3] - The overlap between services offered by direct banks and traditional mobile banking apps has led to resource wastage, as banks invest in redundant functionalities [3] - The decline of internet traffic benefits and rising customer acquisition costs pose severe challenges to the operational models of direct banks [3] Future Directions - Recommendations for the future of direct banks include developing niche services to create differentiated offerings, enhancing user loyalty through customized financial products [4] - Integrating direct banking functions into mobile banking apps can provide users with more centralized and efficient services, improving user experience and reducing operational costs [4] - The trend of integration and transformation in direct banking is expected to continue, with more banks likely to face similar decisions in the future [4]