据了解，此次活动范围覆盖河北省廊坊市区及大厂回族自治县52条公交线路共计1000余辆公交车，基本 实现重点区域公共交通网络的全面覆盖。活动期间，廊坊市民下载"数字人民币"APP，选择任一活动银 行（中国银行、农业银行、建设银行、邮储银行）开通数字人民币钱包后，在公交车载支付设备上出示 该钱包付款码，即可享受一分钱乘车优惠。此次活动将持续至2025年12月31日，活动期间每人每日可享 受2次优惠权益。 作为首批与中国人民银行数字货币研究所签署战略合作协议的受理服务机构，银联商务已累计为国内超 过70万家商户门店开通数字人民币支付受理服务，全面覆盖全国所有数字人民币试点城市和地区，涵盖 零售商超、交通出行、健康医疗、餐饮娱乐、景区、养老等各行业领域。后续，银联商务将持续深化与 地方政府、金融机构及商户的合作，进一步探索数字人民币在超市、菜场、药店等更多高频生活消费场 景的应用落地。 来源：北京日报客户端 转自：北京日报客户端 "一分钱乘车的优惠太实在了，而且扫码支付速度很快，一个月下来能省不少钱呢！"9月26日上午，在 廊坊万达广场公交站台，廊坊市民张女士通过"数字人民币"App，只花1分钱就顺利乘车了。近日，为 ...

Group 1: Central Bank and Financial Regulatory Authority Actions - The Central Bank and the Financial Regulatory Authority are focusing on long-term rectification measures, including enhancing financial infrastructure, advancing information technology reforms, and promoting financial legislation [1][2] - The Financial Regulatory Authority has implemented multiple measures to prevent financial risks, such as strict market access regulations and enhancing administrative penalties to protect consumer rights [1][2] Group 2: Supervision of Leadership - Emphasis on the supervision of "one leaders" in financial institutions, with a focus on accountability and responsibility among top executives [2][9] - At least 32 financial unit officials have been investigated this year, with 23 in the first half alone, highlighting ongoing anti-corruption efforts [2][10] Group 3: Bank-Specific Initiatives - The Export-Import Bank is reinforcing its policy-oriented banking role and enhancing monitoring of policy-related business [3] - The Industrial and Commercial Bank is developing a high-quality growth strategy and improving internal governance and risk management [3] - The Agricultural Bank is focusing on supporting rural revitalization and agricultural development through increased financing [4] Group 4: Global Strategy and Regional Development - The Bank of China is continuing its global strategy by enhancing overseas operations and supporting enterprises in international expansion [5] - The Construction Bank is committed to regional development strategies, including support for the Guangdong-Hong Kong-Macao Greater Bay Area [5] Group 5: Insurance Sector Actions - China Life is addressing the negative impacts of the Wang Bin case and is implementing measures to ensure accountability among its leadership [6][7] - China Pacific Insurance is focusing on strengthening its talent pool and enhancing the political and organizational functions of its party committees [8]

Core Points - The article highlights a heartwarming incident where a senior citizen lost a significant amount of cash and received exceptional assistance from a bank employee, showcasing the bank's commitment to customer service and trust [3]. Group 1: Incident Overview - A senior citizen accidentally dropped a bag containing 10,000 yuan in cash while returning home from the bank [1]. - The bank staff quickly responded to the situation by retrieving serial numbers of the banknotes and coordinating with local police to track the lost money [3]. Group 2: Customer Service Excellence - Despite the cash being damaged and nearly unrecognizable when recovered, the bank employee explained the rules for exchanging damaged currency and facilitated a full exchange for the customer [3]. - The senior citizen expressed immense gratitude upon receiving the new banknotes, highlighting the emotional impact of the bank's service [3]. Group 3: Community Impact - The family of the senior citizen later visited the bank to present a banner in appreciation of the bank's service, emphasizing the importance of trust and customer relationships [3]. - The incident reflects the bank's dedication to safeguarding customer funds and providing compassionate service, reinforcing the value of financial institutions in the community [3].

"真是遇上好人了！你们比亲人还贴心啊！"近日，在农行济南济洛路支行，一位刚被家人接走的老奶奶紧紧拉着银行工作人员的手，连 声道谢。这场温暖的双向奔赴，源于一次寻常的厅堂服务，却让"金融为民"的温度在细节里悄然流淌。 这天下午，临近下班，银行大厅里渐渐安静下来。大堂经理注意到，一位老奶奶独自坐在休息区，脸色有些苍白，呼吸也带着气喘，却 迟迟没有起身办理业务。经过询问，老奶奶是来取养老金的，可翻遍了口袋也没找到存折，一时着急，竟连回家的力气都弱了几分。 "您先别急，喝口水缓缓。"大堂经理赶紧倒来温水，轻声安抚。就在这时，网点负责人李主任巡查厅堂，看到了这一幕。没有丝毫犹 豫，她俯下身仔细询问老人的情况："阿姨，您家离这儿远吗？孩子的电话记得吗？我帮您联系他们来接您，您一个人在这儿我们不放 心。" 老奶奶摇摇头，眼神里带着焦急。李主任没有放弃，目光扫过老人身边的拐杖时，忽然发现杖柄处贴着一张小小的便签，上面工工整整 写着一串电话号码。"阿姨，这是不是您孩子的电话？我打过去试试。"电话接通后，李主任细细说明了老人的情况，等待家属的间隙， 她始终陪在老人身边。 没过多久，老人的家人匆匆赶到。看到母亲安然无恙，还被照顾得 ...

Group 1 - The article highlights the top 20 performing stocks in the S&P China A-Share Dividend Opportunities Index (CSPSADRP), with China National Foreign Trade Transportation Group (601598.SH) leading with a 7.44% increase and a year-to-date gain of 49.70% [1] - Other notable performers include Jinbei Electric (002533.SZ) with a 2.82% increase and a year-to-date gain of 25.39%, and Tianshan Aluminum (002532.SZ) with a 2.65% increase and a year-to-date gain of 46.52% [1] - The average dividend yield for the index constituents is reported at 5.12%, with the expected price-to-earnings ratio at 10.47 [2] Group 2 - The index consists of 100 stocks, and the data is sourced from the S&P Dow Jones Indices monthly report as of August 29, 2025 [2] - The article notes that the S&P Dividend ETF (562060) tracks the S&P China A-Share Dividend Opportunities Index, which was established on June 18, 2004, and published on September 11, 2008 [2]

Core Points - A concerning yet heartwarming incident occurred at Agricultural Bank's Jinan Tianqiao branch involving an elderly woman attempting to withdraw 100,000 yuan for her "husband's urgent needs" [1] - The bank staff's vigilance led to the discovery that the woman's husband had already passed away, raising suspicions of potential fraud [1][3] Group 1 - The bank staff, particularly a teller named Xiao, inquired about the purpose of the large cash withdrawal, expressing concern over the rise in scams and offering to help verify the situation [3] - Despite the staff's efforts to explain the risks, the elderly woman remained adamant about her withdrawal, prompting the bank to involve the police for further assistance [3][4] - After approximately half an hour of communication, the woman revealed that the money was intended for her grandson's house down payment, which she had kept secret due to her grandson's request [4] Group 2 - The incident highlighted the responsible and cautious approach of the Agricultural Bank employees and the police, earning praise from other customers present [4] - The branch manager emphasized the importance of asking questions to protect customers' hard-earned money, reinforcing the bank's commitment to customer safety [4] - Following the incident, bank staff took the opportunity to educate the elderly woman on fraud prevention, advising her to verify large transactions carefully [4]

在农行药山农行，寻常柜面流转的不仅是业务，更是无数用心交织的暖流。这里，服务不仅是刻板的流 程，更是心与心之间无言的默契与守护。 玻璃能隔绝声音，却从未隔开温度。在药山支行这一隅天地，纸片传递的不仅是需求，更是信赖与安 心，恰如银行人最朴素的承诺——无论世界喧嚣或静默，服务的热忱始终如一，守护着每一份无声的托 付。 这天，柜员小李如往常一样摁下了叫号器，并举手迎接客户："您好，请问办理什么业务？"却见客户指 着耳朵摇头，随即默默递入一张纸片，上面清晰写着："你好我要销卡，只留一张。" 小李当即会意，内外连接的麦克风还亮着红灯，却保持着长久的安静。一方玻璃内外，小小的纸页成了 最可靠的沟通。小李努力打着手势，向客户传递确认信息，稍微复杂的内容用文字同客户交流，逐项确 认。待业务办结，剪断作废卡片，递还身份证件时，客户倏然起身，双手合十，已经不再需要言语表 达，客户的眼神和身体语言传递着最诚挚的感谢，是对服务最动人的诠释。 ...

【导读】国有六大银行同日官宣，不再设立监事会 9月25日晚间，工商银行、中国银行、农业银行、建设银行、交通银行相继发布公告，宣布公司章程修 订已获得监管核准，不再设立监事会。 具体来看，工商银行公告显示，该行于2025年6月27日召开的2024年度股东年会审议批准了《关于审议 及撤销监事会相关事项的议案》，并于近日收到《国家金融监督管理总局关于工商银行修改公司章程的 批复》，核准该行修订后的公司章程。 工商银行表示，自公司章程核准之日起，该行监事会及监事依法撤销，《中国工商银行股份有限公司监 事会议事规则》同时废止。黄力、张杰和刘澜飚不再担任该行监事，已确认与该行无不同意见，亦无任 何其他相关事项需要通知该行股东及债权人。 564号)。国家金融监督管理总局已核准本行修 订后的公司章程。修订后的公司章程全文请参 见上海证券交易所网站（www.sse.com.cn）和 本行网站(www.icbc-ltd.com)。《中国工商 银行股份有限公司股东会议事规则(2025年 版) 》《中国工商银行股份有限公司董事会议 事规则(2025年版)》《中国工商银行股份有 限公司董事会提名委员会工作规则(2025年 版) 》和《 ...

Core Insights - The mobile banking app has become a core platform for commercial banks to serve users, optimize experiences, and enhance competitiveness in the context of national digital transformation and financial technology innovation [1] - The market for mobile banking apps is entering a stage of stock competition, with user flow stabilizing between 650 million to 700 million from 2023 to 2025, indicating saturation [2] - User engagement with mobile banking apps is declining, necessitating refined operational strategies for banks to retain customers [4][6] User Flow and Behavior - The overall user flow of mobile banking apps in China is projected to fluctuate between 650 million and 700 million, with a change rate of -1.2% to 4.6% from 2023 to 2025, indicating market saturation [2] - User stickiness has significantly decreased, with average daily effective usage time dropping from 4.93 minutes to 2.70 minutes and daily usage frequency from 4.54 times to 2.86 times [4] Operational Strategies - Refined operations are essential for banks to break through in a saturated market, focusing on precise user insights and intelligent technology applications [6][7] - The strategy involves three layers: foundational user insights, scenario-based and differentiated operations, and establishing emotional connections with users [7] AI Integration - AI technology is recognized for its potential value across industries, aiding banks in refining operations by enhancing interactive experiences, risk management, and data efficiency [9] Rankings and Performance - The top 50 rankings show that state-owned banks dominate, with Agricultural Bank of China leading with an average MAU of 24.8 million, followed by Industrial and Commercial Bank of China and China Construction Bank [11][12] - Among joint-stock commercial banks, China Merchants Bank leads with over 7 million MAU, while many others face declining user engagement [16][17] - City commercial banks have shown strong performance, with Jiangsu Bank leading at 3.5 million MAU, and several banks achieving significant growth rates [19][20] Case Studies of Successful Apps - Agricultural Bank of China continues to lead the industry with a 4.8% increase in MAU, focusing on integrating financial services with daily life scenarios [28][29] - China Merchants Bank is recognized for its innovative digital services, maintaining its position as a leader among joint-stock banks [31] - Jiangsu Bank emphasizes the integration of digital capabilities with wealth management, enhancing its app to meet customer needs [33] - Beijing Bank's app showcases a digital transformation strategy that combines technology, scenarios, and services to create value [35]

Core Points - The West Lead Growth Board Comprehensive Exchange-Traded Open-Ended Index Securities Investment Fund has been approved for registration by the China Securities Regulatory Commission [1] - The fund is categorized as an equity index securities investment fund and operates as an exchange-traded open-ended fund [1][12] - The fund aims to raise a maximum of 2 billion RMB, with the subscription period from October 9, 2025, to October 17, 2025 [12][13] Fund Details - Fund Name: West Lead Growth Board Comprehensive Exchange-Traded Open-Ended Index Securities Investment Fund [12] - Fund Code: 159295, with the market abbreviation being "West Lead Growth Board Comprehensive ETF" [12] - The fund's subscription methods include online cash subscription and offline cash subscription [2][11] Subscription Process - Investors must have a Shenzhen securities account to subscribe to the fund, and those without an account must open one before subscribing [3][25] - Online cash subscriptions can be made through designated agents using the Shenzhen Stock Exchange online system [2][27] - Offline cash subscriptions require investors to submit necessary documents and funds to the fund management company [31][33] Fund Management - The fund is managed by West Lead Fund Management Co., Ltd., with China Agricultural Bank as the custodian [1][38] - The fund's investment strategy includes a focus on the index's constituent stocks and may also invest in other financial instruments as permitted by regulations [9][10] Financial Management - The fund's maximum fundraising limit is set at 2 billion RMB, and if this limit is reached, the fundraising will cease [13] - Any unconfirmed subscription amounts will be refunded to investors after the fundraising period ends [13][14] - The fund's net asset value will be calculated based on the confirmed subscription amounts and any interest accrued during the fundraising period [19][36]