Core Viewpoint - Financial institutions are actively supporting spring agricultural production by providing loans and insurance to farmers, facilitating rural revitalization and ensuring timely agricultural activities [1][3][4]. Financial Support for Agriculture - Agricultural Bank plans to issue over 150 billion yuan in spring farming loans, establishing a "green channel" for credit approval to ensure timely support [3] - China Postal Savings Bank aims to provide 100 billion yuan in loans for spring farming [3] - As of the end of January, the balance of loans to farmers increased by 1.8 billion yuan, and loans to new agricultural operators increased by 3.5 billion yuan [3] Innovative Financial Products - Huazhong Rural Credit Cooperative provided a 40,000 yuan loan to a farmer for purchasing fertilizers, easing financial pressure during spring farming [2] - Harbin Bank offered a 1 million yuan loan to a grain farmer, insured by a policy that prioritizes loan repayment in case of crop loss [2] - Insurance products like low-temperature meteorological index insurance have been introduced to protect tea farmers from climate risks, with payouts helping to recover losses [4][5] Technology and Service Improvement - Financial institutions are enhancing service accessibility and efficiency through technology, such as online loan applications and insurance claims [6][9] - Black River Rural Commercial Bank has issued 10.61 million yuan in small credit loans to farmers, demonstrating the effectiveness of localized financial services [7] - The integration of financial technology with traditional banking is reducing service costs and improving efficiency in rural areas [9] Collaboration and Communication - Collaborative efforts between financial institutions, government, and enterprises are breaking down information barriers, facilitating better access to financing for farmers [8] - Tianjin Rural Commercial Bank launched a "Spring Farming Loan" product in cooperation with local agricultural financing guarantee companies [8]

从资产质量来看，多数银行房地产业不良贷款余额和不良贷款率微升。平安银行年报显示，截至2021年 年末，房地产业不良贷款率为0.22%，较2020年年末仅上升0.01个百分点。 其他股份行情况类似。截至2021年年末，招商银行房地产业不良贷款余额由2020年年末的11.90亿元上 升至56.55亿元，不良贷款率由0.3%上升至1.41%；中信银行房地产业不良贷款余额由96.33亿元提升至 103.31亿元，不良贷款率为3.63%，较2020年上升了0.28个百分点。 中国证券报记者日前梳理多家银行2021年年报后发现，截至2021年年末，银行业涉及房地产不良贷 款余额、不良贷款率整体来看较前一年略有提升。业内人士表示，这与商业银行加大房地产业的拨备计 提力度有关。整体来看，银行业涉房业务风险敞口有限，后续商业银行将进一步强化风控措施，同时加 大对保障性租赁住房项目、房企并购优质项目的支持力度。 涉房贷款不良率微升 据中国证券报记者不完全梳理，截至3月29日发稿时，已有中国银行、交通银行、招商银行、兴业银 行、中信银行、平安银行、苏州银行共7家A股上市银行在2021年年报中披露涉房贷款情况。 整体来看，各家银行的 ...

中国人民银行货币政策委员会日前召开的2022年第一季度例会提出，要稳字当头、稳中求进，强化 跨周期和逆周期调节，加大稳健的货币政策实施力度，增强前瞻性、精准性、自主性，发挥好货币政策 工具的总量和结构双重功能，主动应对，提振信心，为实体经济提供更有力支持，稳定宏观经济大盘。 近期，随着越来越多的金融机构晒出年度经营报告，一张金融业大力支持实体经济的"成绩单"愈加清 晰。 畅通企业融资渠道 如何缓解企业融资难融资贵，是金融机构的必答题。 中国再保险（集团）股份有限公司副总裁庄乾志介绍，中国"一带一路"再保险共同体自去年成立之后， 已有23家保险公司加入，共同为中国企业相关项目提供保险服务。一年多时间，共同体保障的境外项目 总规模超过160亿元，有效防范和化解中国企业"走出去"的境外风险。 面对新冠肺炎疫情的反复，交易所等相关单位也积极行动，助力企业应对风险。3月26日，上海证券交 易所发布通知，宣布免收沪市存量及增量上市公司2022年上市初费和上市年费、增量上市公司2022年股 东大会网络投票服务费、2022年度CA证书服务费等多项费用，同时减免和调降数据中心专线及机柜 费。上海证券交易所就进一步保障市场运行提 ...

根据国有六大行2021年年报中披露的利润分配方案，6家银行2021年度推出的现金分红金额合计高 达3821.93亿元（普通股税前，下同），较2020年度大幅增长11.81%，分红金额再创历史新高。 分红总额再创历史新高 工行派现过千亿元 作为金融"国家队"、商业银行的"领头羊"，国有六大行在积极落实国家战略，持续提升服务实体经 济质效的同时，也在通过长期稳定的分红、引领价值投资上发挥着示范作用。 根据国有六大行对外披露的利润分配方案，上述银行2021年度的拟合计派发现金分红高达3821.93 亿元，较2020年度3418.17亿元的分红金额大幅增长403.76亿元，增幅高达11.81%。 从国有六大行披露的具体分红数据看，六大行2021年度的分红金额均较2020年度出现不同程度增 长。其中，工商银行2021年度现金分红首次突破千亿元大关，达1045.34亿元。 此外，建行、农行、中行、交行和邮储银行2021年度的现金分红分别增至910.04亿元、723.76亿 元、650.60亿元、263.63亿元和228.56亿元。在六大国有银行中，每股分红比例最高的为建设银行，该 行2021年度拟每10股派现3.64元。 ...

新华社北京4月7日电（记者李延霞、吴雨）受疫情影响不能按时还房贷怎么办？中国工商银行、中 国农业银行、中国银行、中国建设银行、交通银行五大国有商业银行7日独家回应新华社记者，对受疫 情影响的个人住房贷款客户，可提供包括延后还款时间、延长贷款期限、调整账单计划等在内的服务支 持。 中国工商银行表示，工行高度重视个人贷款客户服务，对于受疫情影响的个人贷款客户，给予个人 贷款延期还款服务支持。 中国农业银行表示，对于因疫情原因提出延后还款时间、减免罚息、消除逾期征信记录等诉求的客 户，符合相关条件的均可享受个人住房贷款客户关怀政策。客户可直接与贷款经办行或客户经理联系， 咨询相关办理条件和办理流程。也可致电农行客服中心，客服人员收集完信息后发送给客户贷款经办 行。 【纠错】 【责任编辑:柴峥】 目前申请延期还房贷的人群多不多？建行表示，截至今年3月末，已累计为约100万户、超过4300亿 元的房贷提供了延后还款服务。今年以来，在疫情形势较为严峻的吉林地区，已为超过1150户的客户办 理延后还款服务。 交通银行表示，今年以来，上海、深圳、吉林等地受疫情影响较为严重，该行陆续接到了一些客户 的申请，分行已结合当前政策及 ...

Core Viewpoint - The A-share listed banks are significant dividend payers, with a total cash dividend distribution exceeding 540 billion yuan for the year 2021, marking a historical high in the banking sector [1][3]. Dividend Distribution - As of June 9, 2022, nine banks have distributed a total of 15.5 billion yuan in cash dividends, with four more banks set to implement their dividend distributions next week [1][2]. - The highest cash dividend distribution among the nine banks is from Jiangsu Bank at 5.9 billion yuan, while Guiyang Bank has the lowest at 1.1 billion yuan [2]. - Three banks have a cash dividend payout ratio exceeding 30%, with Qingdao Bank leading at 31.86% [2]. Future Dividend Expectations - An additional 27 A-share listed banks are expected to distribute over 503.5 billion yuan in dividends, with the six major banks (ICBC, ABC, BOC, CCB, Bank of Communications, and Postal Savings Bank) accounting for 70% of the total expected dividends [3]. - ICBC is projected to lead with a proposed dividend of over 104.5 billion yuan [3]. Dividend Yield - As of June 9, 2022, 18 listed banks have a dividend yield exceeding 5%, with 26 banks yielding over 4% [5]. - The dividend yield of these banks is significantly higher than the average returns of bank wealth management products, which ranged from 2.29% to 3.97% in 2021 [6]. Strategic Considerations - High dividend payouts are seen as a strategy to attract more investors and enhance the banks' image, contributing to stock price stability and market value management [2].

Core Viewpoint - Financial management departments have implemented measures to support pandemic control and the recovery of the real economy, with a focus on increasing financial resources for key sectors such as infrastructure and technology innovation [1][2]. Group 1: Financial Support Measures - The People's Bank of China reported that in May, the social financing scale increased by 2.79 trillion yuan, a year-on-year increase of 839.9 billion yuan, and a month-on-month increase of approximately 1.88 trillion yuan [2]. - In May, new RMB loans increased by 1.89 trillion yuan, a year-on-year increase of 392 billion yuan, with the cumulative new loan scale exceeding the same period last year [2]. - Banks are setting clear credit growth targets and increasing the assessment of new credit investments, particularly in key areas [2]. Group 2: Financing Channels - The efficiency of financing through stock and bond markets has improved, with 126 IPOs raising a total of 272.38 billion yuan in the first five months of the year [3]. - Corporate bond financing reached 1.68 trillion yuan, and government bond financing reached 3.03 trillion yuan, both showing significant year-on-year increases [3]. - Banks are providing financing support to individual businesses and non-legal entities, with lower costs associated with bond issuance [3]. Group 3: Focus on Key Areas - Financial institutions are increasing support for infrastructure and technology innovation, with a focus on water conservancy projects and major engineering initiatives [4][5]. - The National Development Bank has extended loan terms for major water conservancy projects, with maximum loan terms reaching 45 years [5]. - The bond market has introduced various products to support technology innovation, with over 30 technology innovation bonds issued, raising more than 20 billion yuan [5][6].

Group 1: Digital Transformation - Digital transformation has become an inevitable trend in the banking industry, especially accelerated by the pandemic, highlighting the advantages of online channels [2][3] - Major banks are prioritizing digital transformation as a key development strategy, with efforts focused on scenario finance and open banking to reduce customer acquisition costs and improve efficiency [2][4] - Agricultural Bank of China reported a daily active user count of 28 million for its mobile banking platform, indicating a significant shift towards digital interactions [3] Group 2: Protecting Housing Deliveries - Major banks have disclosed their exposure to the "protect housing deliveries" issue, with Industrial and Commercial Bank of China reporting a non-performing loan balance of 63.7 million yuan related to stalled projects, representing only 0.01% of its total mortgage loans [5][6] - Agricultural Bank of China identified 1,112 risk-laden properties, with overdue mortgage loans totaling 1.23 billion yuan, accounting for 0.023% of its personal housing loan balance [5] - The overall growth of personal housing loans among the six major banks has significantly decreased, with a total increase of 415.5 billion yuan in the first half of 2022 compared to 2.4843 trillion yuan in 2021 [6] Group 3: Pension Finance - The development of pension finance has gained momentum, with banks recognizing the urgency to enhance their offerings in this area [8][9] - Construction Bank has proposed a "1314" strategy for pension finance, aiming to provide comprehensive services throughout customers' lives [8] - Several banks, including Agricultural Bank of China, have launched pension financial products, with positive market reception and plans for further product development [9][10]

"如果不高度重视该账户的可疑情况，也并未长期追踪发现背后隐藏的涉诈平台，不仅无法为警方 侦破案件提供重要线索，也会导致更多的老年群众遭受蒙蔽和损失。"王婷说道。 【纠错】 【责任编辑:柴峥】 接下来，王婷立刻联系该对公账户开户网点支行组织人员上门，对企业开展强化的尽职调查，要求 该企业说明账户交易异常的原因。该企业法人指出，企业经营苗木种植，与个人之间业务往来频繁很正 常，并现场让核实人员看了苗木种植基地，同时还拿出了多份订单合同等经营资料，企图迷惑欺骗，掩 人耳目。该对公账户的可疑交易判定暂入僵局。 "在'紫杉软件'APP上投资，返利高，有保障，绑卡可以免除部分提现手续费。很多人都在上面投钱 了，也都拿到利息，我现在就要向这个对公账户上汇款。"就在此时，一个电话引起了该支行网点工作 人员的高度注意。"这不就是前期我们尽调的那个对公账户嘛"，工作人员将该情况上报给王婷。"尽快 与该账户的交易对手做进一步情况核实，看看这种情况还有多少。"王婷立即联系该网点反洗钱联络人 做进一步核实。果然，通过再次核实，交易对手反应都说是受到了高息回报吸引，才在该软件上进行了 投资。这种情况更加印证了王婷之前的判断。 交行河南省 ...

日前，工商银行、农业银行、中国银行、建设银行、交通银行五大行牵头，联合民生银行、进出口 银行、浦发银行，共同组成银团，向上海复星高科技（集团）有限公司（以下简称"复星高科"）提供总 计人民币120亿元贷款。这是今年开年以来，银行签约的最大一笔民营企业贷款。 近年来，银行对民营企业的信贷支持力度不断加大。多家银行表示，将进一步完善敢贷、愿贷、能 贷、会贷长效机制，持续优化信贷政策，提供多元化综合服务，促进民营经济发展壮大。 民企大额贷款频现 截至2022年11月末，普惠型小微企业贷款余额23.2万亿元，同比增长23.7%。银行业民营小微企业 信贷投放总体呈现"量增、面扩、价降、质升"的良好态势。 1月16日，复星高科与8家国内银行签署贷款协议。根据协议，工商银行、农业银行、中国银行、建 设银行、交通银行作为联合牵头行，民生银行、进出口银行、浦发银行作为参贷行，共同组成银团，向 复星高科提供总计120亿元人民币贷款。 业内人士指出，2022年底召开的中央经济工作会议提出，要从制度和法律上把对国企民企平等对待 的要求落下来，从政策和舆论上鼓励支持民营经济和民营企业发展壮大。此次银团贷款成功落地，是银 行机构积极发挥 ...