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].

Core Viewpoint - Beijing Bank's Mentougou Green Branch has officially been designated as a "Technology Characteristic Branch," marking a significant upgrade in technology financial services in the Mentougou District [1] Group 1: Policy Initiatives - Mentougou District has implemented a development strategy focused on "ecological establishment, cultural prosperity, and technological strength," with technology finance serving as a key driver for green transformation [1] - The district has released the "Work Plan for Promoting the Construction of the Technology Finance Pilot Zone in Western Beijing," which emphasizes policy support, enhancement of technology financial services, expansion of direct financing for technology enterprises, and improvement of financial infrastructure [1] Group 2: Investment and Financial Services - The district is preparing to establish two investment funds focused on artificial intelligence and smart manufacturing, utilizing a "lead by investment" model to attract quality enterprises [2] - A significant breakthrough has been achieved in data asset pledge financing, with the first case of natural scenery and data asset pledge financing in Mentougou District being successfully executed [2] Group 3: Talent Development - Mentougou District encourages financial institutions to provide comprehensive financial services for technology talents, including asset allocation and consumer loans, while establishing specialized technology financial service teams [2] - Initiatives such as the "Jingxi Gathering Wisdom Plan" and the "Three Ones" support plan for high-tech industry youth talents have been introduced to create a robust talent development ecosystem [2]

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]

Group 1 - The core viewpoint of the news is that the launch of the "Technology Board" in the bond market has led to a significant increase in the issuance of technology innovation bonds (科创债), with banks becoming the main issuers, reflecting a trend of financial resources being directed towards technological innovation [1][4]. - As of May 25, 14 banks have collectively issued 170 billion yuan in technology innovation bonds, accounting for approximately 60% of the total issuance, indicating strong participation from the banking sector [1][2]. - The issuance of technology innovation bonds is supported by policies from the People's Bank of China and the China Securities Regulatory Commission, which aim to enhance the product system and support mechanisms for these bonds [4][5]. Group 2 - Major banks such as China Bank and Shanghai Bank have successfully issued technology innovation bonds with significant demand, showcasing the market's enthusiasm for these financial instruments [2][6]. - The collaboration between banks and securities firms is highlighted, as they work together to support technological innovation, forming a core force in the financial ecosystem [2][4]. - The expected growth in the technology innovation bond market is driven by ongoing policy support and market momentum, with projections indicating a potential explosive increase in issuance this year [6].

Core Points - The Beijing Banking Industry Wage Special Collective Contract for 2025 has been signed by the Beijing Financial Work Committee, Beijing Financial Union, and Beijing Banking Association, marking a significant milestone in collective bargaining efforts since 2016 [1][2] - The collective bargaining process has involved nine rounds of negotiations, covering 31 banking institutions and approximately 98,000 financial workers in Beijing [1] - The contract revisions align with national policies on talent development and minimum wage standards, enhancing benefits for skilled workers, including paid leave, pension insurance, and education funding [2] Group 1 - The collective contract aims to promote long-term development of banks while safeguarding workers' rights and maintaining stable labor relations [1] - The negotiation process involved 14 representatives from both employee and administrative sides, fostering a cooperative atmosphere to reach consensus [1] - The contract revisions are expected to improve job satisfaction and corporate loyalty among financial workers in the capital [2] Group 2 - The Beijing Financial Work Committee plans to continue implementing collective bargaining requirements and facilitate platforms for learning and exchange among banks [2] - The focus will be on guiding banks to conduct secondary negotiations based on the collective bargaining outcomes [2] - The initiative aims to create a win-win situation for both enterprises and employees in the financial sector [2]

Core Viewpoint - The announcement by Beijing Bank regarding the migration of its direct banking app to its mobile banking platform marks the exit of the first direct bank in China, reflecting a broader trend of at least 19 banks shutting down or integrating their direct banking services since 2023, indicating a decline in the once-promising direct banking model after a decade of rapid growth [1][2]. Group 1: Industry Trends - The number of direct banks in China grew from 22 in 2014 to a peak of 135 by 2017, with city commercial banks accounting for 53.3% of this total [1]. - Major banks like Shanghai Pudong Development Bank and Nanjing Bank began integrating direct banking functions into their mobile banking platforms starting in 2020, leading to a significant reduction in the number of operational direct banking apps [2]. Group 2: Challenges Faced by Direct Banks - Direct banks face fundamental challenges such as unclear positioning, resource wastage, and technological shortcomings, which have made the direct banking model unsustainable [2][3]. - The overlap in functionality between direct banks and mobile banking has led to direct banks being viewed as redundant channels, diminishing their competitive edge [2][3]. - Many direct banks operate under a "departmental system," lacking independent decision-making authority, which hampers their ability to innovate and compete effectively [3][4]. Group 3: Financial Viability - Direct banks have high operational costs but low revenue generation, leading to an imbalance in investment returns [5]. - The regulatory environment poses challenges for banks attempting to establish direct banks as independent entities, further complicating their operational viability [5][6]. Group 4: Future Outlook - The decline of direct banks signifies a shift in the banking industry from "channel expansion" to "ecosystem cultivation," emphasizing the need for banks to leverage technology to enhance service delivery and user value [6][7]. - For banks that continue to operate direct banking services, finding a clear market position and exploring differentiated development strategies will be crucial for survival in a competitive landscape [7].