当前，绿色发展已纳入国家生态文明建设整体布局，发展绿色金融，是银行服务国家战略、履行社会责 任的重要体现。交通银行（601328）深圳分行积极践行国家"双碳"战略，充分发挥自身在跨境金融领域 的专业优势，不断创新金融服务模式，为企业绿色出海提供强有力的金融支持。 交通银行深圳分行持续打造本外币、境内外、离在岸一体化的跨境金融服务体系，汇聚境内外市场资源 优势，助力绿色经济发展。当前，分行跨境投融资业务累计发生额已超百亿元。 银团贷款助力民企，绿色项目扬帆远航 以A公司为例，该公司专注于新能源锂电池负极材料的研发与生产，随着全球新能源产业的蓬勃兴起 及"一带一路"倡议的深入实施，A公司决定在东南亚某国投资建设年产8万吨新能源锂电池负极材料一 体化项目。该项目不仅吸引了海外战略客户的关注，更凭借该国丰富的自然资源和优越的地理位置，以 及作为"一带一路"关键合作伙伴和我国重要贸易伙伴的地位，展现出广阔的发展前景和良好的盈利潜 力。 境外贷款赋能央企，绿色能源扎根海外 交通银行深圳分行还携手巴西子行，为B企业在巴西的绿地光伏项目提供了创新的境外贷款解决方案。 该项目坐落于巴西东北部塞阿拉州鲁萨斯市，项目融资需求高达1 ...

当前，绿色发展已纳入国家生态文明建设整体布局，发展绿色金融，是银行服务国家战略、履行社会责 任的重要体现。交通银行深圳分行积极践行国家"双碳"战略，充分发挥自身在跨境金融领域的专业优 势，不断创新金融服务模式，为企业绿色出海提供强有力的金融支持。 境外贷款赋能央企，绿色能源扎根海外 交通银行深圳分行还携手巴西子行，为B企业在巴西的绿地光伏项目提供了创新的境外贷款解决方案。 该项目坐落于巴西东北部塞阿拉州鲁萨斯市，项目融资需求高达1.7亿元人民币。交通银行深圳分行通 过"境内机构跨境人民币贷款+人民币跨境支付系统(CIPS)+货币互换+境内外联动"的综合性金融服务方 案，实现了绿色贷款的快速落地，为该企业在海外市场的绿色能源拓展提供了坚实的金融保障。 未来，交通银行深圳分行将继续秉持绿色发展理念，不断提升跨境贸易和投融资服务的质效。围绕"基 础设施绿色升级、清洁能源、节能环保、生态环境、清洁生产、绿色服务"等绿色领域，进一步加大金 融支持力度，以优质的跨境金融服务，为企业"扬帆出海"保驾护航，为实体经济的绿色转型和高质量发 展注入源源不断的金融活水。 （CIS） 【免责声明】本文仅代表作者本人观点，与和讯网无关 ...

Group 1 - The event titled "惠有好生意"商圈金融生态大会 organized by the Bank of Communications is scheduled for November 25, 2025 [2][3] - The conference will take place at the Wyndham Hotel in Shaoxing, Zhejiang [4] - The agenda includes guest speeches, expert presentations, product launches, and a roundtable forum, followed by a visit to the China Light Textile City [5]

Group 1 - The article emphasizes the importance of understanding the real efforts behind data in the digital age, highlighting the need for technology to enhance human connection rather than create distance [1] - The company aims to be a strong support for clients, ensuring that vulnerabilities and risks are managed through intelligent insights [4] - The initiative "交银展业通" (Jiao Yin Exhibition Business) focuses on breaking down barriers between systems and regions, promoting seamless connectivity [5][7] Group 2 - The company is committed to empowering businesses by removing constraints and enabling them to pursue their dreams without limitations [6][7] - The service is designed to simplify complex business operations, making entrepreneurial journeys smoother and more resilient [11] - The goal is to reduce costs and increase profits for enterprises, allowing them to operate more efficiently and with greater ease [12][15] Group 3 - The article promotes the concept of personalized financial services, leveraging algorithms to understand individual efforts and protect client trust [15] - The overarching message is about creating a future of inclusive finance, where technology serves as a vessel for navigating the business landscape [17]

Core Insights - The state-owned large bank sector experienced a decline of 0.55% on November 21, with Postal Savings Bank leading the drop [1] - The Shanghai Composite Index closed at 3834.89, down 2.45%, while the Shenzhen Component Index closed at 12538.07, down 3.41% [1] Bank Performance Summary - China Bank (601988) closed at 6.29, up 0.80% with a trading volume of 6.807 million shares and a transaction value of 4.294 billion [1] - Industrial and Commercial Bank of China (601398) closed at 8.25, down 0.24% with a trading volume of 4.644 million shares [1] - China Construction Bank (601939) closed at 9.79, down 0.31% with a trading volume of 1.800 million shares [1] - Bank of Communications (601328) closed at 7.62, down 0.39% with a trading volume of 2.440 million shares [1] - Agricultural Bank of China (601288) closed at 8.05, down 1.35% with a trading volume of 3.334 million shares [1] - Postal Savings Bank (601658) closed at 5.81, down 1.69% with a trading volume of 2.113 million shares [1] Fund Flow Analysis - The state-owned large bank sector saw a net outflow of 394 million yuan from institutional investors, while retail investors had a net inflow of 308 million yuan [1] - The fund flow for individual banks shows that: - Bank of Communications had a net inflow of 49.743 million yuan from institutional investors [2] - Industrial and Commercial Bank had a net inflow of 2.533 million yuan from institutional investors [2] - China Bank experienced a net outflow of 14.801 million yuan from institutional investors [2] - China Construction Bank had a net outflow of 46.069 million yuan from institutional investors [2] - Postal Savings Bank saw a significant net outflow of 125 million yuan from institutional investors [2] - Agricultural Bank of China had a net outflow of 261 million yuan from institutional investors [2]

日前，国家金融监管总局披露的数据显示，商业银行不良贷款余额、不良贷款率环比小幅"双升"。 与此同时，年内不良贷款转让市场规模也迎来"井喷"。仅今年11月以来，已挂牌相关资产包合计超过 260亿元。券商中国记者据银登中心挂牌数据测算，仅2025年上半年不良贷款转让挂牌规模已超1670亿 元，较2024年同期增长了一倍。另一项数据显示，年内不良贷款资产支持证券（ABS）的发行规模已超 678.57亿元，较去年同期增幅超80%。 尽管上市银行总体资产质量保持稳健，但零售贷款风险有所上升已成行业共识。业内研究人士指出，目 前零售贷款风险正在暴露中，且尚未见顶。而银行加快个人不良贷款转让，也可以有效提升资产质量稳 定，资本释放空间得以持续扩大。 银行处置不良需求提升 临近年末，不良贷款转让市场扎堆"上新"，各类商业银行或消费金融公司连续挂出大额不良资产包，以 个人不良贷款、信用卡透支不良等零售贷款资产包占比较大。 不良资产打折"促销"力度加大 券商中国记者注意到，伴随金融机构挂牌转让规模的增长，一些机构不得不通过"打折促销"以加快成交 速度。业内人士指出，个贷不良批转业务折扣率受资产类型、逾期时间等因素影响。个人贷款不 ...

Investment Rating - The report indicates a positive investment outlook for Chinese enterprises going global, with a projected increase in foreign direct investment (FDI) to 1.16 trillion RMB in 2024, reflecting an 11.30% year-on-year growth [8]. Core Insights - Chinese enterprises are actively exploring new pathways for international expansion, adapting strategies in response to geopolitical challenges and evolving market conditions [4][8]. - The ASEAN region has emerged as a key destination for Chinese investment, with its share of China's outbound investment rising from 6.34% in 2014 to 17.88% in 2024 [8]. - The structure of China's outbound investment is shifting, with significant increases in the wholesale, retail, and manufacturing sectors, indicating a deeper integration into global value chains [8][52]. Summary by Sections Part A: Challenges and Pathways for Chinese Enterprises Going Global - The Chinese government is committed to high-quality outbound investment, emphasizing the importance of maintaining a stable international economic environment despite rising geopolitical tensions [18][19]. - The share of China's exports in global trade is projected to reach 14.64% in 2024, maintaining its position as the world's largest exporter [19][23]. - Chinese enterprises are increasingly focusing on the ASEAN region for investment, with a notable rise in direct investment since the implementation of the RCEP [44][52]. Part B: Financial Support for Outbound Expansion - Chinese financial institutions are enhancing their overseas presence, with major banks establishing branches in numerous countries to support outbound enterprises [9]. - There is a strong emphasis on integrating domestic and international resources, with banks providing cross-border credit and financing solutions for projects under the Belt and Road Initiative [9][11]. - Innovative financial products and services are being developed to support overseas investments, including specialized loans for infrastructure projects and comprehensive solutions for cross-border e-commerce [9][11]. Part C: Future Outlook and Recommendations - Recommendations include optimizing overseas network construction, enhancing multi-tiered financial service systems, and expanding the use of cross-border RMB [12][13]. - A comprehensive risk management system is suggested to help enterprises navigate geopolitical uncertainties and market volatility [12][13]. - Strengthening collaboration between financial institutions and industries is crucial for supporting enterprises in their global expansion efforts [12][13].

Core Insights - The article highlights the top-performing stocks in the S&P China A-Share Dividend Opportunity Index, showcasing significant gains and dividend yields for various companies [1] Group 1: Stock Performance - China Bank (601988 SH) leads with a 4.00% daily increase and an 18.30% year-to-date gain, along with a dividend yield of 3.69% [1] - Construction Bank (601939 SH) follows with a 3.15% daily rise and a 16.97% year-to-date increase, offering a dividend yield of 4.05% [1] - Postal Savings Bank (601658.SH) shows a daily increase of 3.14% and a year-to-date gain of 9.16%, with a dividend yield of 3.77% [1] Group 2: Notable Declines - Home Depot (002572.SZ) has a daily increase of 3.12% but a year-to-date decline of 13.44%, with a dividend yield of 7.42% [1] - Oppein Home Group (603833.SH) experiences a 2.86% daily rise but a significant year-to-date drop of 17.91%, with a dividend yield of 4.68% [1] - Kuka Home (603816.SH) shows a daily increase of 2.66% and a year-to-date gain of 18.23%, with a dividend yield of 4.59% [1] Group 3: Additional Performers - Huaxia Bank (600015.SH) has a daily increase of 1.86% but a year-to-date decline of 6.67%, with a dividend yield of 5.80% [1] - Beijing Bank (601169 SH) shows a daily increase of 1.39% and a slight year-to-date decline of 0.69%, with a dividend yield of 5.57% [1] - CITIC Bank (601998.SH) has a daily increase of 1.37% and a year-to-date gain of 19.02%, with a dividend yield of 4.35% [1]

Group 1 - The event "Financial Promotion of Consumption · Shopping in Qingdao" was launched to implement the financial consumption promotion policy by the People's Bank of China [1] - The event features a three-dimensional linkage model of "policy + scenario + flow" to create a deep integration ecosystem of finance and consumption [1] - The event will cover key industries such as culture and tourism, supermarkets, automobiles, and home appliances, with six major themed exhibitions planned throughout the year [1] Group 2 - The Qingdao branch of the Bank of Communications set up a booth at the event to introduce debit and credit card benefits, engaging citizens with interactive activities [1] - The bank's deputy president Liu Jianping and the retail credit business department manager Gao Jun highlighted the "Heart-to-Heart Benefits" financial services for marriage and consumption [2] - The bank has developed a special action plan with 35 specific measures to enhance support for consumer finance this year [2]

Meeting Information - The fourth extraordinary general meeting of shareholders will be held on December 12, 2025 [1] - The meeting will utilize a combination of on-site and online voting methods, with online voting available for A-share shareholders [1] - The meeting will take place at 9:30 AM at the Bank of Communications Financial Building, located at 188 Yincheng Middle Road, Shanghai [1] - Online voting will be conducted through the Shanghai Stock Exchange's shareholder meeting online voting system, available from 9:15 AM to 3:00 PM on the day of the meeting [1] Voting Procedures - Shareholders must ensure that their votes do not exceed their entitled voting rights; otherwise, those votes will be considered invalid [2] - Shareholders holding both common and preferred shares must vote separately for each type of share [3] - Voting can be conducted via the trading system or the internet voting platform, with identity verification required for first-time users [3] Attendance Requirements - A-share shareholders registered with the China Securities Depository and Clearing Corporation Limited by the close of trading on the registration date are eligible to attend the meeting [4] - Natural shareholders must present valid identification and proof of shareholding, while corporate shareholders must provide relevant legal documents and identification [5] Additional Information - The contact information for the meeting is provided, including the address, phone numbers, and email for inquiries [8] - Attendees are responsible for their own travel and accommodation expenses [8]