活动以"国风+金融+文旅"为创新载体，打造沉浸式游园场景，设置国风换装体验、金融知识互动展位、传统游戏挑战和文艺演出等多项内容。参与者可身 着汉服漫步古风市集，在投壶、猜灯谜、蒙眼敲鼓等游戏中，轻松掌握假币识别、反诈防非、理性投资等实用金融知识。完成打卡集章任务还可兑换精美礼 品，真正实现"玩中学、学中乐"，让"国风入耳、金融入心"的氛围愈发浓厚。 转自：新华财经 为提升社会公众金融素养，维护金融消费者和投资者合法权益，9月20日，在国家金融监督管理总局海南监管局、海南省委金融委员会办公室、中国人民银 行海南省分行及中国证券监督管理委员会海南监管局的指导下，交通银行海南省分行主办的"保障金融权益、助力美好生活"2025年海南省金融教育宣传周进 社区活动——云洞沉浸式国风游园会在海口举行。活动将传统国风文化与金融知识普及深度融合，为市民游客带来一场别开生面的沉浸式金融学习体验。 交行海南省分行相关负责人表示，本次游园会是该行推动金融教育进社区、融入生活，践行金融工作政治性与人民性的具体实践。未来，该行将继续探索大 众喜闻乐见的宣传形式，扎实推进金融消费者权益保护工作，为优化地方金融生态、助力美好生活持续贡献交行 ...

Core Viewpoint - The stock price of Bank of Communications has experienced a decline, with a notable drop of 7.86% year-to-date and 14.88% over the past 60 days, indicating potential challenges in the market [1]. Group 1: Stock Performance - As of September 22, the stock price of Bank of Communications was 6.81 CNY per share, with a trading volume of 8.01 billion CNY and a turnover rate of 0.45%, resulting in a total market capitalization of 601.76 billion CNY [1]. - The stock has seen a decrease of 4.08% over the last 5 trading days and 11.33% over the last 20 trading days [1]. Group 2: Financial Performance - For the first half of 2025, Bank of Communications reported a net profit attributable to shareholders of 46.016 billion CNY, reflecting a year-on-year growth of 1.61% [2]. - The company achieved zero operating revenue for the same period [2]. Group 3: Shareholder Information - As of June 30, 2025, the number of shareholders for Bank of Communications was 263,100, a decrease of 5.37% from the previous period [2]. - The average number of circulating shares per shareholder was 111,247, down by 29.42% [2]. - The company has distributed a total of 337.762 billion CNY in dividends since its A-share listing, with 83.694 billion CNY distributed over the last three years [3]. Group 4: Institutional Holdings - As of June 30, 2025, Hong Kong Central Clearing Limited was the fifth-largest circulating shareholder, holding 1.396 billion shares, an increase of 10.8003 million shares from the previous period [3]. - Huaxia SSE 50 ETF was a new entrant among the top ten circulating shareholders, holding 523 million shares [3].

在本次活动上，就投资者关于 交通银行 （601328）分红稳定性的有关提问，公司方面直言：今年上半 年向全体股东（含本次定增的全部股份）每股分配现金股利人民币0.1563元（含税），总共分配现金股 利人民币138.11亿元，较2024年半年度分红提升约2.18%，占归属于母公司普通股股东净利润的31.2%。 这是我行连续第二年开展中期分红，分红比率将连续第14年保持30%以上。未来，交行将保持分红政策 的延续性、稳定性和可预期性，与股东持续分享交行经营发展成果。 9月19日，"2025年上海辖区上市公司集体接待日暨中报业绩说明会"活动成功举办。 ...

Group 1 - The core viewpoint of the article highlights the increasing demand for financial technology talent and the introduction of specialized positions in banks, such as the "Five Major Articles" initiative [1] - Agricultural Bank plans to recruit 10 individuals for its green finance position, focusing on policy research, industry analysis, product innovation, marketing, and risk management related to environmental and social factors [1] - China Bank has established a dedicated "Pension Finance Center" position responsible for comprehensive research and market analysis in pension finance, including policy development and marketing management [1] Group 2 - The overall trend in recruitment across banks indicates a shift towards a demand for multifaceted and refined talent, moving from traditional human resource management to a talent strategy empowered by technology [1]

Group 1 - The core idea of the news is that Bank of Communications has launched a new online credit product called "Guo Bu Loan" aimed at supporting merchants involved in national subsidy programs for home appliances and digital products [2] - The "Guo Bu Loan" product offers credit up to 3 million yuan, tailored specifically for dealers participating in national subsidy activities, thereby facilitating the direct delivery of policy benefits to market entities [2] - The bank has developed a smart operational model for the "Guo Bu Loan," utilizing a unified system for data integration and local adaptation to efficiently meet the diverse needs of merchants across different regions [2] Group 2 - The "Guo Bu Loan" has already been launched in provinces such as Henan, Hubei, Sichuan, and Chongqing, with plans for gradual nationwide coverage [2]

Group 1 - The conference "Digital Integration in Fujian: Empowering High-Quality Development through Technology Finance" was held in Fuzhou, Fujian Province, where a strategic cooperation agreement was signed between the Fujian Provincial Department of Science and Technology and the Bank of Communications Fujian Branch [1] - The Bank of Communications Fujian Branch aims to provide no less than 100 billion RMB in credit support to high-tech and technology-based enterprises within three years [1] - The province has encouraged multiple financial institutions to provide over 43 billion RMB in "technology loans" to technology-based enterprises [1] Group 2 - The Fujian Provincial Department of Science and Technology has signed strategic cooperation agreements with six financial institutions and established "technology loan" partnerships with 24 financial institutions [2] - The department has created a financing demand database for technology innovation entities through the "Jinfu Cloud" platform, facilitating regular collection of financing needs from technology-based enterprises [2] - The cooperation focuses on four main areas: promoting innovation in technology financial products, providing financial services to various technology innovation carriers, implementing an "innovation points system," and supporting the establishment of a technology finance laboratory by the Bank of Communications Fujian Branch [1][2]

Group 1 - The core viewpoint of the articles highlights the effective implementation of consumption-boosting policies in China, leading to stable growth in the consumer market and the emergence of new consumption drivers [1][2] - The Bank of Communications has launched a new online credit product called "Guo Bu Loan," specifically designed for merchants participating in national subsidy activities, with a maximum credit limit of 3 million yuan [1] - The "Guo Bu Loan" product addresses the urgent funding needs of distributors in the home appliance, digital, and home improvement sectors, enhancing their confidence and ability to stock up for the upcoming sales season [1] Group 2 - The Bank of Communications is developing a smart operational model for the "Guo Bu Loan," utilizing a unified system for data integration while catering to local needs, which allows for efficient resource reuse across supply chain scenarios [2] - The "Guo Bu Loan" has already been launched in provinces such as Henan, Hubei, Sichuan, and Chongqing, with plans for nationwide coverage in the future [2]

Core Insights - The demand for financial technology talent is increasing, with banks implementing specialized recruitment plans for various roles [1] - Banks are focusing on composite and refined talent needs, shifting from traditional human resource management to technology-enabled talent strategies [1] Group 1: Specialized Recruitment Plans - Agricultural Bank is recruiting for a "Five Major Articles" green finance position, aiming to hire 10 individuals for policy research, industry analysis, product innovation, marketing, and risk management in green finance [1] - The recruitment announcements from Bank of Communications indicate the establishment of specialized talent positions in financial services, credit card centers, and provincial branches, alongside roles in financial technology and marketing [1] - Bank of China has created a dedicated position in its pension finance center, focusing on pension financial policy research, market analysis, and ecosystem development for pension finance [1] Group 2: Talent Strategy Transformation - Overall, banks are transitioning their talent strategies towards a more composite and refined approach, emphasizing the integration of technology in talent management [1]

Group 1 - The signing ceremony for the "GX-TravelEase Bank+" tourism financial service partnership was held in Guilin, aimed at enhancing inbound tourism in Guangxi [1][3] - The partnership between the Guangxi Cultural and Tourism Department and Bank of Communications Guangxi Branch focuses on integrating finance with cultural tourism to improve visitor experiences [3] - The initiative is expected to contribute to the high-quality development of Guangxi's cultural tourism industry and support the region's goal of becoming a world-class tourist destination [3][4] Group 2 - The "GX-TravelEase Bank+" service will provide seamless payment solutions for inbound tourists, enhancing the international service level of Guangxi's tourism [3] - The unveiling of the service point at the Bank of Communications Guilin Branch is part of a broader strategy to create a financial ecosystem that supports cultural tourism [3][4] - The initiative is seen as a practical measure to benefit inbound tourists and promote the integration of financial services with tourism [3]

Investment Rating - The report maintains a positive outlook on the banking sector, suggesting potential investment opportunities due to favorable policy catalysts and improving fundamentals in certain banks [12]. Core Insights - The report highlights the adequacy of loan loss provisions among listed banks, with a provision coverage ratio of 70.8% for Stage 3 loans, indicating limited future impact on profits [2][12]. - It emphasizes the improvement in asset quality, particularly in Stage 3 loans, with notable reductions in the proportion of such loans for several banks compared to the end of Q4 2024 [1][2]. - The report suggests a focus on banks with positive fundamental changes and continuous improvement in financial statements, recommending specific banks for investment [12]. Summary by Sections 1. Loan Quality and Provisioning - The proportion of Stage 3 loans is relatively low for banks like Chengdu Bank (0.66%) and Ningbo Bank (0.76) [1]. - Significant improvements in Stage 3 loan ratios were observed for Chongqing Bank (-61bp) and Guiyang Bank (-48bp) compared to Q4 2024 [1]. - The provision coverage for Stage 3 loans is high, with leading banks like Qingnong Bank (4.35%) and Yunan Bank (4.16%) showing strong provisioning ratios [2]. 2. Financial Assets - The proportion of Stage 3 financial assets is low, with most banks not exceeding 0.05%, indicating manageable asset quality pressure [4]. - The report notes that the provision coverage for financial investments is also robust, with Zhejiang Bank (3.16%) and Qingdao Bank (2.85%) leading in provisioning ratios [8]. 3. Sector Outlook - The report anticipates that expansionary policies aimed at stabilizing the economy will benefit the banking sector, with a focus on banks like Ningbo Bank and Jiangsu Bank for potential investment [12]. - It highlights the ongoing economic recovery and the potential for interest rate cuts, suggesting a sustained dividend strategy for certain banks [12].