Core Viewpoint - The city commercial bank sector experienced a decline of 0.62% on November 28, with Shanghai Bank leading the drop, while the overall stock market showed slight gains [1][2]. Market Performance - The Shanghai Composite Index closed at 3888.6, up 0.34% - The Shenzhen Component Index closed at 12984.08, up 0.85% [1]. Individual Stock Performance - Chongqing Bank: Closed at 11.20, up 0.72%, with a trading volume of 84,100 shares and a turnover of 94.08 million yuan - Xiamen Bank: Closed at 7.15, up 0.56%, with a trading volume of 156,600 shares and a turnover of 112 million yuan - Hangzhou Bank: Closed at 15.59, up 0.13%, with a trading volume of 295,600 shares and a turnover of 461 million yuan - Zhengzhou Bank: Closed at 2.00, unchanged, with a trading volume of 667,700 shares and a turnover of 13.3 million yuan - Nanjing Bank: Closed at 11.57, down 0.09%, with a trading volume of 333,200 shares and a turnover of 38.6 million yuan - Qingdao Bank: Closed at 4.84, down 0.41%, with a trading volume of 332,000 shares and a turnover of 16 million yuan - Changsha Bank: Closed at 9.64, down 0.41%, with a trading volume of 124,200 shares and a turnover of 12 million yuan - Lanzhou Bank: Closed at 2.36, down 0.42%, with a trading volume of 408,600 shares and a turnover of 96.46 million yuan - Xi'an Bank: Closed at 3.83, down 0.52%, with a trading volume of 182,100 shares and a turnover of 6.97 million yuan - Ningbo Bank: Closed at 28.37, down 0.56%, with a trading volume of 195,600 shares and a turnover of 557 million yuan [1][2]. Capital Flow Analysis - The city commercial bank sector saw a net outflow of 379 million yuan from institutional investors, while retail investors contributed a net inflow of 86.74 million yuan [2][3]. - The following stocks had notable capital flows: - Hangzhou Bank: Net inflow of 9.48 million yuan from institutional investors - Qilu Bank: Net inflow of 6.55 million yuan from institutional investors - Suzhou Bank: Net inflow of 6.07 million yuan from institutional investors - Qingdao Bank: Net inflow of 3.22 million yuan from institutional investors - Lanzhou Bank: Net inflow of 2.34 million yuan from institutional investors - Zhengzhou Bank: Net outflow of 0.96 million yuan from institutional investors - Guizhou Bank: Net outflow of 1.41 million yuan from institutional investors - Xi'an Bank: Net outflow of 2.69 million yuan from institutional investors - Nanjing Bank: Net outflow of 9.30 million yuan from institutional investors - Chongqing Bank: Net outflow of 9.87 million yuan from institutional investors [3].

未来五年，北京银行计划为长沙地区提供总额1000亿元的意向性投融资支持，同步推出的，还有北京银 行为长沙上市公司和上市后备企业量身定制的融资产品"上市苗圃贷-湘e贷"，并在授信审批、利率优 惠、担保方式等方面提供全方位优先支持。 作为全国率先推出的服务模式，"北京之家"致力于整合政府与市场两端资源，让"企业找服务"转变 为"服务找企业"，让长沙企业身处潇湘腹地，可享"首都资源"之利；赴京办事，也能切身感受"如归故 里"般的坚实支撑。 成果正在逐步显现。截至今年10月31日，"湘e贷"已累计为195家长沙地区企业提供授信13.34亿元，实 际投放贷款8.85亿元。其中，55家上市后备企业获得授信5.95亿元，用信3.73亿元。此外，已有企业通 过"北京之家"平台成功对接投资机构，并签署3.5亿元股权意向投资协议。 金融活，经济活；金融稳，经济稳。近年来，长沙锚定"三高四新"美好蓝图，"量体裁衣"创新金融服务 工具，全生命周期支持创新型企业和颠覆性产业、未来产业，为长沙高质量发展注入强劲金融动能。截 至目前，长沙共有境内外上市公司93家。 长沙晚报11月27日讯（全媒体记者 范宏欢）"希望政府支持专注于细分领域的 ...

Core Viewpoint - The collaboration between Beijing Bank and the China Children's Center aims to enhance financial literacy among children aged 6-12 through immersive and interactive educational activities, contributing to the development of child-friendly cities and financial empowerment [2][3]. Group 1: Collaboration and Educational Goals - The China Children's Center, as a national-level extracurricular education institution, focuses on the comprehensive development of children and has accumulated rich educational resources and practical models over the years [3]. - The partnership with Beijing Bank leverages the bank's professional advantages to provide financial resources and scenario-based services for children's quality education, aligning with national calls to integrate financial literacy into the basic education system [3]. Group 2: Event Structure and Activities - The event features four core areas: "Currency Enlightenment," "Career Experience," "Financial Competition," and "Safety Protection," designed to cater to different children's growth needs and interests [4]. - Activities include hands-on experiences with currency evolution, real banking processes, financial games, and safety knowledge, aimed at enhancing children's understanding of financial concepts and skills [4][5]. Group 3: Child-Centric Approach - The event emphasizes listening to children's voices, allowing them to actively participate and express their needs and expectations, thus making them the "little masters" of the activities [6][7]. - The establishment of the "Jingmiao Observation Group" enables children to contribute ideas for optimizing activities and content, fostering a sense of ownership and engagement in their learning process [7]. Group 4: Future Initiatives - Beijing Bank plans to deepen its collaboration with the China Children's Center, creating more systematic financial education projects through the "Jingmiao Club," integrating resources from financial enlightenment, cultural heritage, and social welfare [7].

Core Insights - The city commercial bank sector experienced a rise of 0.69% on November 27, with Qingdao Bank leading the gains [1] - The Shanghai Composite Index closed at 3875.26, up 0.29%, while the Shenzhen Component Index closed at 12875.19, down 0.25% [1] Stock Performance Summary - Qingdao Bank (002948) closed at 4.86, up 1.25% with a trading volume of 462,800 shares and a transaction value of 224 million [1] - Hangzhou Bank (600926) closed at 15.57, up 1.24% with a trading volume of 269,400 shares and a transaction value of 417 million [1] - Jiangsu Bank (616009) closed at 10.83, up 1.21% with a trading volume of 1,097,800 shares and a transaction value of 1.179 billion [1] - Chengdu Bank (601838) closed at 17.01, up 1.13% with a trading volume of 394,100 shares and a transaction value of 667 million [1] - Shanghai Bank (601229) closed at 10.01, up 1.11% with a trading volume of 447,500 shares and a transaction value of 445 million [1] - Xiamen Bank (601187) closed at 7.11, up 0.85% with a trading volume of 101,900 shares and a transaction value of 72.116 million [1] - Nanjing Bank (6000009) closed at 11.58, up 0.78% with a trading volume of 294,200 shares and a transaction value of 339 million [1] - Xi'an Bank (600928) closed at 3.85, up 0.52% with a trading volume of 220,500 shares and a transaction value of 84.754 million [1] - Changsha Bank (601577) closed at 9.68, up 0.52% with a trading volume of 137,900 shares and a transaction value of 133 million [1] - Qilu Bank (601665) closed at 5.97, up 0.34% with a trading volume of 401,600 shares and a transaction value of 239 million [1] Capital Flow Analysis - The city commercial bank sector saw a net inflow of 72.7685 million from institutional investors, while retail investors experienced a net inflow of 16.4028 million [2] - The sector faced a net outflow of 89.1713 million from speculative funds [2] Individual Stock Capital Flow - Jiangsu Bank (600919) had a net inflow of 75.1851 million from institutional investors, while it faced a net outflow of 38.3807 million from speculative funds [3] - Shanghai Bank (601229) saw a net inflow of 33.6962 million from institutional investors, with a net outflow of 37.6450 million from speculative funds [3] - Qilu Bank (601665) had a net inflow of 23.2129 million from institutional investors, while it faced a net outflow of 7.1943 million from speculative funds [3] - Chengdu Bank (601838) experienced a net inflow of 21.6104 million from institutional investors, with a significant net outflow of 68.9418 million from speculative funds [3] - Hangzhou Bank (600926) had a net inflow of 17.6667 million from institutional investors, while it faced a net outflow of 41.0399 million from speculative funds [3]

Core Viewpoint - Beijing Bank's Jinan Branch is addressing the financing challenges faced by specialized and innovative enterprises through the launch of the "Linghang e-loan" product, which offers efficient online credit services to support technological innovation and economic development in Shandong Province [1][2]. Group 1: Financing Solutions - The "Linghang e-loan" product provides a streamlined online application process, intelligent approval, and rapid funding disbursement, effectively injecting financial resources into specialized enterprises [1][2]. - Customized financing solutions are developed based on four dimensions: credit limits, efficiency, guarantees, and services, with national-level "little giant" enterprises eligible for up to 20 million yuan and provincial-level specialized enterprises up to 10 million yuan [2]. - The approval process utilizes an intelligent model to dynamically assess the technological value and industrial potential of enterprises, allowing for automated approvals and quick access to funds [2]. Group 2: Comprehensive Support Ecosystem - The bank integrates various resources to create an "Enterprise Home" ecosystem, providing value-added support to technology companies, including professional listing guidance and supply chain financial services [3]. - A smart matching service platform is established to connect enterprises based on their industry attributes and development needs, fostering collaboration and creating a win-win ecosystem among banks, enterprises, and institutions [3]. Group 3: Case Study and Future Strategy - A case study highlights a gear manufacturing company that received a tailored financing solution of 10 million yuan through the "Linghang e-loan," enabling it to optimize its financial structure and focus on technological upgrades and market expansion [4]. - Moving forward, the bank aims to deepen its service system for technological innovation, enhance precision services for key client groups, and innovate collaborative financial solutions to support the growth of specialized enterprises [4][5].

统一金融操作系统通过分布式微服务、云平台、DevOps平台、统一标准平台等技术平台构建了一套精 益敏捷研发体系。目前已发布33项技术标准，完成了81个标准组件和1000余个能力项的建设，为科技研 发注入新活力，实现"让研发更简单"。 通过能力矩阵、业技融合共创平台，统一金融操作系统构建了一套价值驱动创新体系。目前已为总分行 190多个创新项目提供了"一站式"产品孵化支撑，已实现150余个系统以及700余项能力的上架，完成了 业务资产沉淀，实现"让业技融合更优秀"。 数字化浪潮奔涌之下，金融科技的竞争日趋激烈，数字化转型的焦点也从工具化的"赋能"升级为战略性 的"驱动"，引领银行业将人工智能技术作为驱动业务创新与服务的重要引擎。 北京银行于2022年启动数字化转型"三年行动"，明确了以数字化转型统领发展模式、业务结构、客户结 构、营运能力和管理方式的"五大转型"的战略方针。经过三年时间，北京银行数字化转型从1.0阶段进 入到2.0阶段，即全面数字化经营阶段，成效达到同业先进水平。 "在这三年时间，北京银行每年打赢数字化转型'三大战役'，推动20个科技重大项目，完成了以统一数 据底座、统一金融操作系统和统一风控平 ...

Core Insights - The conference held by Economic Observer focused on how Chinese enterprises can align with national strategies and innovate to overcome challenges in the digital economy and new production forces [1][2] - The honored companies were selected based on extensive research across thousands of enterprises and key industries, emphasizing their significant impact on China's economy and society [1] - The event highlighted the importance of high-quality development and the role of respected enterprises in driving growth across various sectors, particularly in high-end manufacturing and hard technology [1][2] Group 1: Respected Enterprises - The "2024-2025 Respected Enterprises" and "Respected Leading Enterprises" were recognized for their contributions to the economy, social trust, and innovation [1] - Notable companies included Anta, BYD, Huawei, JD.com, Meituan, Qingdao Beer, China Ping An, and China Feihe, reflecting a diverse range of industries from consumer goods to technology [1] - Companies like Haier Smart Home, Tianqi Lithium, and Prologis China were acknowledged for their special contributions in their respective fields [1] Group 2: Role of Enterprises in Society - Enterprises are seen as vital components of the market economy, contributing not only to economic growth but also to addressing social issues and creating value [2] - The concept of "respected" enterprises now includes a focus on long-termism and the overall welfare of stakeholders, beyond just shareholder returns [2] Group 3: Innovation and Quality - High-quality products and services are fundamental to the reputation of respected enterprises, reflecting their management capabilities and ethical standards [6] - The need for a supportive environment for innovation, including tolerance for failure and encouragement of strategic investments, is emphasized [5] Group 4: Financial Sector Insights - Beijing Bank reported significant growth in technology and green loans, indicating a commitment to supporting the real economy [8] - China Ping An highlighted the transformative potential of AI in the financial sector, focusing on customer-oriented strategies and the integration of advanced technologies [12] Group 5: Regulatory Environment - The importance of antitrust compliance in enhancing product quality and driving industries towards higher standards was discussed [13] - Antitrust laws are seen as catalysts for innovation and quality improvement, helping to eliminate market stagnation caused by monopolistic practices [13] Group 6: Future Outlook - The development of new productive forces through technological self-reliance and innovation is identified as a strategic foundation for enterprises [18] - China's advancements in computing infrastructure and AI technology are expected to disrupt various industries and create new growth opportunities [18]

Redemption Announcement - The company plans to fully redeem 49 million shares of preferred stock, with a total scale of RMB 4.9 billion, on December 11, 2025 [1][5]. Redemption Price - The redemption price will include the face value of the preferred stock plus any declared but unpaid dividends [2]. Redemption Date - The redemption will occur on the dividend payment date for the preferred stock, which is December 11, 2025 [3]. Payment Method - Payment will be made to preferred shareholders on December 11, 2025, covering the face value and dividends accrued from December 11, 2024, to December 10, 2025 [4]. Approval and Procedures - The board of directors has the authority to handle all matters related to the redemption, and the redemption plan has been approved by the relevant regulatory authority [5].

叠加科技创新后的数字经济浪潮，把"要不要转型"的单选题，变成了"转得够不够快"的抢答题。在北京顺义区马坡，一片占地188亩的"数字金融绿洲"，也 许正悄然改写着未来银行新范式。 这里是北京银行顺义科技研发中心——"数字京行"的策源地，7×24小时不间断运转，支撑着北京银行各项业务的稳定运行。 2022年，北京银行正式吹响数字化转型冲锋号，提出三年行动规划，以数字化转型推动跨越式发展。这场转型的实际成效如何？具体有哪些落地应用？近 日，由北京市委网信办主办、新京报贝壳财经承办的"京彩不设限・经济热力站"月度主题走访活动给出了最佳观察窗口。北京银行顺义科技研发中心作为重 要站点，迎来了12家市属新闻网站、财经类网站记者及4家财经领域网络大V，让外界得以零距离触摸其数字化转型的鲜活实践。 服务3200万客户背后的"数字兵法" 数字化转型的最终目标是提升客户体验与经营效率。目前，北京银行的零售客户数突破3200万户，如何服务好这些客户群体，同时还能进一步扩规模、促增 长，答案就是——数字化运营。 在零售业务领域，来自北京银行软件开发中心零售基础与渠道研发团队副主管周兵介绍，该行沉淀总结了一套数字化运营的体系框架——C ...

Core Viewpoint - The digital transformation of Beijing Bank is not just about whether to transform, but about how quickly it can adapt to the digital economy wave driven by technological innovation [1] Group 1: Digital Transformation Strategy - Beijing Bank launched a three-year action plan in 2022 to drive leapfrog development through digital transformation [1] - The bank's digital operation framework, CPCT R, aims to enhance customer insights and provide differentiated services through digital tools [2] - The bank's digital transformation is entering its 2.0 phase, focusing on customer-centric, value-creating, and AI-driven operations [10] Group 2: Retail and Corporate Banking Innovations - Beijing Bank serves over 32 million retail customers, utilizing digital channels such as mobile banking, which has nearly 20 million users and over 7.5 million monthly active users [2] - The corporate banking sector has developed a digital financial technology service capability system consisting of 75 physical systems, covering core scenarios like deposits, loans, and payments [3] - The bank has implemented an AI and big data-driven "smoke index" warning system for risk management, with over 300 warning signal rules [3] Group 3: Digital Currency and AI Integration - Beijing Bank is a pioneer in digital currency, having established capabilities in digital wallets, smart contracts, and various payment scenarios [4] - The bank's "All in AI" strategy aims to integrate AI deeply into business operations, enhancing customer experience and operational efficiency [5][6] - The AI platform supports numerous projects, focusing on key business scenarios such as marketing, risk control, customer service, and operations [8] Group 4: Data Management and Governance - To address data silos and system barriers, Beijing Bank has initiated three major battles for digital transformation, including unifying data foundations and financial operating systems [9] - The establishment of the Financial Technology Management Committee marks a significant step in the top-level governance of digital transformation [9] - The bank's integrated technology management platform "Jingzhengcheng" optimizes over 300 management nodes and thousands of technology management indicators [11]