5月20日，中国人民银行授权全国银行间同业拆借中心公布了最新一期贷款市场报价利率 （LPR）。1年期和5年期以上LPR分别较此前下降10个基点至3%和3.5%。 同日，工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行六家国有大型商业银行和 部分全国性股份制商业银行宣布对人民币存款挂牌利率进行调整，调整幅度在5个到25个基点不等。 5月7日，中国人民银行行长潘功胜在出席国新办举行的新闻发布会时宣布，自5月8日起，下调公开 市场7天期逆回购操作利率0.1个百分点。潘功胜表示，下调政策利率0.1个百分点，经过市场化的利率传 导，预计将带动LPR随之下行0.1个百分点。 受访专家表示，自7天期逆回购操作利率的政策利率地位明确后，这一利率已成为LPR新的"定价 锚"。 2024年6月，潘功胜在第十五届陆家嘴论坛上作主题演讲时率先透露了将7天期逆回购操作利率作为 主要政策利率、淡化其他期限货币政策工具政策利率色彩，以及适度收窄利率走廊宽度的利率调控转型 思路。 在随后的将近一年时间里，央行先后明确7天期逆回购操作利率的政策利率地位，淡化中期借贷便 利（MLF）的政策利率色彩，并通过强化各利率间协同，逐步疏通由短 ...

考场上，有学子奋力拼搏；考场外，有来自社会各界的力量共同做好保障。 这其中不乏银行人的身影：爱心送考、爱心物资、爱心服务……银行人以自己的实际行动，护航祖 国的未来。 爱心送考 让温情传递 6月4日上午，由农业银行厦门分行支持的"2025高考爱心服务车暨家有考生车"活动正式启动，这也 是该行连续第12年支持参与厦门市高考爱心送考活动。 《金融时报》记者从农业银行厦门分行了解到，为保障考生顺利出行，该行携手厦门市交通运输 局、厦门市公安局交警支队、厦门广电集团广播中心等多家爱心单位，集结3000辆爱心车护航高考生。 6月7日至10日，1335万名考生将走进考场，迎战2025年高考。 高考期间，农业银行湖南衡阳分行将在全市98个营业网点统一设置醒目的"爱心助考"标识。网点 内，舒适的休息区、充足的饮用水、齐全的应急药物以及便捷的手机充电设备等一应俱全，全方位满足 考生及家长的应急需求。此外，网点内还有身披绶带、头戴小红帽的志愿者们等候，随时为考生和家长 提供帮助。 "高考期间，爱心车队将免费为考生们提供'一对一'送考服务，确保每一位考生能够安全、准时抵 达考场。"农业银行厦门分行有关负责人向记者介绍。 在四川遂宁 ...

Core Viewpoint - The issuance of Total Loss-Absorbing Capacity (TLAC) bonds by China's globally systemically important banks (G-SIBs) is a proactive measure to enhance their loss absorption capabilities and align with international regulatory standards [1][3][6] Group 1: TLAC Bond Issuance - Three out of five G-SIBs in China have issued TLAC non-capital bonds to improve their total loss-absorbing capacity [1] - The first bank to issue TLAC bonds in 2025 was Bank of Communications, followed by Agricultural Bank of China and Bank of China, with respective issuance amounts of RMB 300 billion, RMB 500 billion, and RMB 400 billion [2] - The approved issuance limits for the banks are RMB 600 billion for Industrial and Commercial Bank of China, RMB 1800 billion for Agricultural Bank of China, RMB 1500 billion for Bank of China, and RMB 3000 billion for Bank of Communications [2] Group 2: Regulatory Framework and Compliance - The People's Bank of China, along with other regulatory bodies, established a TLAC regulatory framework in October 2021, requiring G-SIBs to meet specific external TLAC ratio requirements by early 2025 and 2028 [4] - Banks are encouraged to develop detailed timelines and strategies for achieving TLAC compliance, alongside optimizing capital management [4][5] Group 3: Market Impact and Strategic Importance - The issuance of TLAC bonds is seen as a milestone for China's financial system, enhancing the banks' capital and risk management capabilities while increasing the variety of credit bonds available in the domestic market [5] - Achieving TLAC compliance is viewed as essential for the international development of the five major banks, reflecting their commitment to global financial standards and enhancing China's banking sector's international reputation [6]

本次迁移工作是全国首轮开展的央企本外币账户和业务跨区域迁移，任务复杂程度高、创新要求 强、时间要求紧。农业银行充分发挥系统合成优势，第一时间成立总分支矩阵化工作专班，为企业提 供"一点贯通、多点响应"的服务机制。通过梳理企业核心诉求，场景化研判迁移难点、全流程沙盘演练 迁移过程、短时间多次系统升级改造，顺利完成3家央企账户及业务迁移工作，实现账户平移"无感"、 业务迁移"无感"、系统切换"无感"，为企业系统平滑切换和业务顺畅衔接提供有力保障。 截至7月20日，农业银行实现雄安新区首家央企集团——中国农业发展集团本部基本账户"无感"迁 移，完成中国中化集团财务公司、中国华能集团财务公司本外币账户及外汇业务跨域"无感"迁移工作。 据悉，助力雄安新区推进标志性疏解项目落地建设是农业银行全力服务国家重大战略的重要举措， 也是持续助力雄安新区高质量建设的具体实践。 责任编辑：杨喜亭 ...

记者从农业银行了解到，7月22日，农业银行2025年年中党建和经营工作会议在京召开。会议以习 近平新时代中国特色社会主义思想为指导，认真贯彻党中央、国务院各项决策部署，推动深入贯彻中央 八项规定精神学习教育和中央巡视整改走深走实，总结上半年党建和经营工作，部署下半年重点任务。 农业银行党委书记、董事长谷澍就做好下半年党建和经营工作作讲话，党委副书记、行长王志恒主持会 议并就经营管理重点工作进行安排。 会议认为，今年以来，全行上下认真开展深入贯彻中央八项规定精神学习教育，全面加强和改进党 的建设，扛牢服务"三农"和实体经济职责使命，金融服务取得新成效，高质量发展迈上新台阶。 会议提出，全行要认真履行主责主业，传承发扬好扎根一线、支农助农优良传统，以更强历史担当 做优做强"三农"和乡村振兴金融服务，为推进乡村全面振兴和建设农业强国作出更大贡献。要保持县域 和涉农贷款良好增长势头。优先保障县域乡村融资供给，突出强化粮食安全等重点领域信贷投放。要持 续巩固重点地区金融帮扶成效。深入推进各项惠农政策落实，及时优化帮扶政策，"一县一策"做好精准 支持。要进一步加大支农资金保障力度。强化科技赋能提升办贷效率，持续强化广大农 ...

此次发行吸引了各类投资者踊跃参与，"10+5"年期品种目标价格上，超过80％投标者为证券、基 金、信托、期货、货币中介等市场化机构。 责任编辑：袁浩 本报讯 记者左希报道 日前，农业银行在银行间市场发行600亿元二级资本债。其中，"5+5"年期400 亿元，发行利率1.92%；"10+5"年期200亿元，发行利率2.12%。 据介绍，本期债券设有增发机制，"5+5"年期和"10+5"年期品种共增发300亿元，能够有效提升农业 银行资本实力。 ...

近日，中共中央总书记、国家主席、中央军委主席习近平对防汛救灾工作作出重要指示。习近平总 书记指出，当前正处在"七下八上"防汛关键期，各地区和有关部门要树牢底线思维、极限思维，全面压 实政治责任，落实落细各项防汛措施，盯紧守牢薄弱环节和重点部位，科学调配救援力量和救灾物资， 确保发生突发紧急情况后第一时间响应、第一时间处置，全力保障人民生命财产安全。 进入"七下八上"主汛期，我国北方地区降水集中，强度大，极端暴雨发生概率大。台风也进入活跃 期。连日来，华东、华北、东北等地持续遭遇强降雨，引发洪涝和地质灾害，造成北京、河北、吉林、 山东等地重大人员伤亡和财产损失。 面对复杂严峻的防汛形势，银行业金融机构坚持人民至上、生命至上，落实落细各项防汛措施，加 强分支机构应急处置，在确保金融服务"不断档"的同时，积极提供各项应急服务保障。 强化网点布防 筑牢安全底线 在本轮强降雨中，北京密云区多地遭受汛情。农业银行北京密云支行对地势低洼、靠近山区的营业 网点开展摸排和巡检，及时排查漏雨渗水等安全隐患，布放沙袋、防雨布等，切实织密防汛"安全网"。 在山东，农业银行莱芜分行紧盯当地防汛预警信息，重点排查低洼易涝、老旧建筑等经营 ...

Core Viewpoint - The issuance of secondary capital bonds and perpetual bonds (collectively referred to as "二永债") by commercial banks has accelerated in the second quarter, reflecting a pressing need for capital replenishment and a proactive response to changing market conditions [1][2][4]. Group 1: Issuance Trends - Major state-owned banks such as Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, and China Construction Bank have issued "二永债" since May, with a total issuance of 648.16 billion yuan in the first five months of the year, a 3.63% increase from 625.45 billion yuan in the same period last year [1][2]. - In May alone, the issuance reached a record high of 284.5 billion yuan [1]. - Agricultural Bank of China announced a total issuance of 60 billion yuan in secondary capital bonds, with previous issuances of 50 billion yuan in perpetual bonds [2]. Group 2: Importance of Capital Replenishment - The issuance of "二永债" is a crucial method for banks to supplement their capital, optimize capital structure, and enhance capital adequacy ratios, which is increasingly important due to stricter regulatory requirements [4][5]. - The issuance of these bonds allows banks to diversify their financing channels, reducing reliance on equity financing and lowering overall financing costs [4][6]. - The capital raised through these bonds is intended to support business development and improve risk resistance capabilities, particularly in the context of economic transformation [4][5]. Group 3: Market Conditions and Regulatory Environment - The current market conditions are favorable for banks to issue "二永债," driven by stricter regulatory requirements and the need to support the real economy through increased credit supply [6][7]. - The implementation of Basel III regulations has heightened the need for banks to maintain adequate capital levels, especially under pressures from credit expansion and non-performing asset management [6][7]. - The trend of increasing issuance among smaller banks indicates a broader industry movement towards capital enhancement, with several regional banks also receiving approval for capital tool issuance [6][7].

Group 1: Overview of Agricultural Development in Xining - Xining, located in the Qinghai-Tibet Plateau, has been designated as a "National Cool Vegetable Golden Planting Area" due to its unique cool climate, contributing significantly to vegetable production in the northwest region [1] - In 2024, Xining plans to cultivate 11,300 hectares of open-field vegetables, yielding 440,000 tons with a production value of 1.23 billion yuan, with 80% of cool vegetables being exported outside the province [1] Group 2: Financial Support for Vegetable Farmers - Agricultural Bank of China (ABC) in Xining has developed innovative financial services to support the vegetable industry, creating a "green channel" for farmers to access financial resources [1] - The "Rural Revitalization Vegetable Farmer Loan" was introduced in 2023 to address the financing needs of vegetable growers, providing loans based on credit and guarantees without requiring collateral [2][3] Group 3: Comprehensive Financial Product Matrix - ABC Xining has established a full industry chain financial product matrix, including "Rural Revitalization Vegetable Farmer Loan" for seed and fertilizer purchases, "Flow e-loan" for agricultural machinery, and "Mortgage e-loan" for logistics services [3] - As of now, ABC Xining has issued 200 million yuan in "Rural Revitalization Vegetable Farmer Loans," benefiting 1,687 farmers [3] Group 4: Smart Service Terminals - ABC Xining has implemented mobile credit terminals, allowing farmers to apply for loans directly in the fields, with same-day processing for loan applications [4] - The bank has organized 34 customer managers to provide on-site services, achieving an 85% online loan application rate for credit loans [4] Group 5: Financial Policy Education - ABC Xining has conducted financial education sessions to inform farmers about various loan benefits, including no collateral requirements and interest subsidies [5][6] - The bank has organized 60 "Three Rural Financial Lectures," serving over 900 farmers to enhance their understanding of financial products and agricultural techniques [6]

溧阳白茶，形如凤羽，色如玉霜，香气馥郁，鲜爽甘醇，以白化变异的茶树品种鲜叶为原料，按绿 茶工艺制作，虽名曰白茶却不在白茶之列，属于绿茶。在农行支持的溧阳市天目湖镇宇睿茶树种植家庭 农场内，一排排整齐的白茶树枝繁叶茂，绽放出点点新芽。现场不仅有游客体验茶叶采摘，更有极具中 华传统特色的茶文化、茶叶衍生品等文旅产品布展。 金坛雀舌，选取茶树最早一批嫩芽，两片叶如鸟雀之喙，以其扁平美丽的外形闻名。为让"一片 叶"创造出更加多元的价值，农行常州金坛支行积极对接茅山方麓绿色高效农业产业示范基地项目，精 心制定金融服务方案，截至3月末，已为该项目提供金融支持1.5亿元。在金融有效支持下，基地对原有 种植区域内2000亩老茶树进行挖除，将土地修复、改良、整理，修整坡台后进行新茶种植，并更新升级 浇灌设施；同时，积极整合农业资源优势，在原有经营内容基础上，通过提高农业管理生产技术、发展 延伸产业，将农业种植与生态旅游、茶文化有机结合，实现区域内一二三产业的紧密联结。如今的基地 内不仅设有茶叶种植采摘区，另辟有品茶、露营等休闲文旅空间，推动了茶叶、茶叶衍生品、茶文化旅 游协同发展，游客身在茅山就能体验自然与人文完美结合的"茶之 ...