经济观察网 8月15日，交通银行发布公告称，董事会近日收到非执行董事李龙成、汪林平的辞任函。因 年龄原因，李龙成辞去非执行董事、审计委员会委员及人事薪酬委员会委员职务；汪林平辞去非执行董 事、战略委员会（普惠金融发展委员会）委员及风险管理与关联交易控制委员会委员职务。二人辞任均 自2025年8月15日起生效。（编辑 胡群） ...

Core Viewpoint - The banking industry in China has shown resilience and stability in the first half of the year, with key indicators such as non-performing loan ratio, provision coverage ratio, and capital adequacy ratio remaining stable and improving, indicating a strong capacity to resist risks and support the real economy [2][6]. Group 1: Banking Industry Performance - As of mid-year, total assets of banking financial institutions reached 467.3 trillion yuan, a year-on-year increase of 7.9%, with large commercial banks' total assets at 204.2 trillion yuan, growing by 10.4% [1]. - The non-performing loan balance for commercial banks was 3.4 trillion yuan, a decrease of 24 billion yuan from the previous quarter, with a non-performing loan ratio of 1.49%, down by 0.02 percentage points [7]. Group 2: Support for the Real Economy - The balance of inclusive micro-enterprise loans reached 36 trillion yuan, growing by 12.3% year-on-year, while inclusive agricultural loans amounted to 13.9 trillion yuan, increasing by 1.1 trillion yuan since the beginning of the year [3]. - Large commercial banks played a significant role in supporting the real economy, with their inclusive micro-enterprise loan balance exceeding 16 trillion yuan, accounting for a higher proportion of the total industry loans [4]. Group 3: Operational Efficiency and Cost Management - The banking sector has improved operational efficiency, with the cost-to-income ratio at 30.2%, a decrease of 5.3 percentage points from the previous year, and non-interest income ratio rising to 25.75%, an increase of 3.33 percentage points [5]. - The net interest margin remained stable at 1.42%, with a slight decrease of 0.01 percentage points from the first quarter [5]. Group 4: Risk Management and Capital Adequacy - The banking sector has increased provisions and improved asset disposal efforts, with new provisions totaling 1.1 trillion yuan, an increase of 579 billion yuan year-on-year, and non-performing asset disposals reaching 1.5 trillion yuan, up by 1.236 trillion yuan [7]. - Capital adequacy ratios showed improvement, with the overall capital adequacy ratio at 15.58%, up by 0.30 percentage points from the previous quarter [7].

Core Points - The announcement details the resignation of non-executive directors Li Longcheng and Wang Linping from the board of Bank of Communications due to age-related reasons, effective August 15, 2025 [1][2] - Both directors confirmed that there are no disagreements with the board and no matters related to their resignation need to be disclosed to shareholders and creditors [2] - The resignations are not expected to impact the operations of the board or the management of the company, as proper handover procedures have been followed [3] Summary by Sections Resignation Details - Li Longcheng and Wang Linping have submitted their resignation letters, with Li resigning from the roles of non-executive director, audit committee member, and human resources and compensation committee member, while Wang resigns from the roles of non-executive director, strategic committee member, and risk management and related party transaction control committee member [1] Confirmation of No Disagreements - Both directors have confirmed that there are no differing opinions with the board and no relevant matters to notify shareholders and creditors regarding their departure [2] Impact on Company Operations - The resignations of Li Longcheng and Wang Linping are not anticipated to affect the board's operations or the company's management, as they have completed the necessary work handover in accordance with company regulations [3]

中经记者 张漫游 北京报道 近日，交通银行（601328.SH）浙江省分行为"专精特新"企业浙江连信科技有限公司（以下简称"连信科 技"）提供1000万元授信支持，这也是浙江省内人工智能行业首笔数据资产质押融资业务。 据悉，连信科技是全球领先的心理大数据智能应用科技创新企业，这类成长型科技企业普遍为"轻资 产"运营。面对连信科技的融资需求，交通银行浙江省分行科技金融专班协同辖内杭大路支行，创新设 计了"数据资产质押+政策性担保"的复合增信方案。一方面，依托杭州数据交易所的数据产品登记功能 随着数字经济加速渗透，数据要素的价值日益凸显。 国家发展改革委党组成员、国家数据局局长刘烈宏8月14日在国新办举行的"高质量完成'十四五'规 划"系列主题新闻发布会上透露，2024年，全国数据企业数量超40万家，数据产业规模达5.86万亿元， 较"十三五"末增长117%，预计未来几年仍将保持较高的增长水平。 在此背景下，政策层面的突破为数据价值变现注入关键动力。随着财政部《企业数据资源相关会计处理 暂行规定》正式施行，企业数据资源从财务报表的"无形资源"跃升为"可计量资产"。同时，数据资产质 押融资创新实践亦在全国多点开花： ...

本文源自：金融界 2025年8月16日，乐山电力公告，其控股子公司绵阳安泓企业管理有限公司之全资子公司绵阳安泓建设 发展有限公司，为满足生产经营需要，向交通银行绵阳分行申请1000万元贷款，安泓企管提供连带责任 担保。 ...

交通银行（601328）(03328)公布，李龙成先生因年龄原因，向该行董事会提请辞去非执行董事、审计 委员会委员、人事薪酬委员会委员职务;汪林平先生因年龄原因，向该行董事会提请辞去非执行董事、 战略委员会(普惠金融发展委员会)委员、风险管理与关联交易控制委员会委员，辞任自2025年8月15日 起生效。 ...

（编辑 楚丽君） 证券日报网讯 8月15日晚间，交通银行发布公告称，本公司董事会收到非执行董事李龙成先生、汪林平 先生的辞任函。李龙成先生因年龄原因，向本公司董事会提请辞去非执行董事、审计委员会委员、人事 薪酬委员会委员职务；汪林平先生因年龄原因，向本公司董事会提请辞去非执行董事、战略委员会（普 惠金融发展委员会）委员、风险管理与关联交易控制委员会委员，辞任自2025年8月15日起生效。 ...

Core Viewpoint - The 2025 China International Service Trade Fair (CIFTIS) will feature a financial services section from September 10 to September 14 in Beijing, focusing on "Digital Intelligence Driving Open Win-Win" as its theme, aiming to showcase global financial innovation products and services, policy releases, and collaborative opportunities [3][4]. Group 1: Event Overview - The financial services section will include a large-scale exhibition with 92 domestic and foreign financial institutions participating, covering an area of 11,000 square meters [4]. - The exhibition will feature two main thematic areas: "Open Integration" showcasing various financial institutions and their contributions to the economy, and "Smart Sharing" focusing on the collaboration between financial institutions and leading technology companies [4]. Group 2: Participation and Innovation - Over 40 foreign financial institutions, including the Asian Infrastructure Investment Bank and HSBC, will present their innovative practices in cross-border financial services and fintech [5]. - The event will leverage AI technology to create an immersive exhibition experience, highlighting innovations in fintech from various institutions, such as the Agricultural Bank's VR property viewing service and the Industrial and Commercial Bank's large-scale financial model [6][7]. Group 3: Forums and Discussions - The event will host over 30 forums and discussions, attracting 3,000 to 4,000 participants, focusing on global financial trends and the integration of finance with the real economy [8][9]. - Key topics will include high-quality financial development, risk management, and green finance, with various financial institutions conducting specialized sessions [9]. Group 4: Beijing's Role and Innovations - Beijing will showcase its role as a national financial management center, highlighting innovative financial services and products that support urban development and national strategies [10]. - Notable innovations include the "Mifang Card" for foreign tourists and a commercial space insurance consortium led by China Insurance [10]. Group 5: Interactive Experiences - The event will emphasize interactive experiences, with various engaging activities planned by participating institutions to enhance public engagement with financial services [11]. - Activities will include creative displays and educational games focused on financial literacy and anti-money laundering [11].

Group 1 - The 2025 China International Service Trade Fair's financial services section will be held from September 10 to September 14 in Beijing, focusing on the theme "Digital Intelligence Drives Open Win-Win" [1] - The financial services section aims to create four major platforms: global financial innovation product and service display, important policy and industry rule release, partner negotiation, and cutting-edge financial experience [1] - A total of 92 companies will participate in the exhibition, including 68 from the Fortune Global 500, with a 45.7% internationalization rate [1] Group 2 - Major financial institutions such as Industrial and Commercial Bank of China, Bank of China, and Beijing Bank will showcase innovative products in the field of fintech [2] - Industrial and Commercial Bank will display a trillion-level financial model, while Beijing Bank will present an interactive digital robot to demonstrate various financial services [2] - A digital RMB immersive experience area of nearly 1,000 square meters will be created, featuring a collaborative exhibition matrix from multiple banks to showcase "Digital RMB+" innovations [2] Group 3 - The financial services section will emphasize experiential activities, with interactive events designed to engage the public [3] - China Minsheng Bank will introduce fun activities such as stamp collection and interactive games to enhance the audience's experience of financial innovation [3] - Traffic Bank will feature creative displays and promotional activities to allow visitors to experience the vitality of a century-old financial brand [3]

Core Viewpoint - The recent implementation of the personal consumption loan interest subsidy policy by the Ministry of Finance, the People's Bank of China, and the financial regulatory authority aims to stimulate consumer spending through subsidized loans, with a focus on major banks and specific financial institutions [4]. Group 1: Policy Overview - The personal consumption loan subsidy policy will be effective from September 1, 2025, to August 31, 2026, allowing residents to receive a subsidy of 1% per year on loans used for consumption, capped at 50% of the loan contract interest rate [4]. - A total of 23 lending institutions are included in the policy, comprising 6 large state-owned commercial banks, 12 national joint-stock commercial banks, and 5 other personal consumption loan providers [4]. Group 2: Loan Balances - In 2024, 16 banks reported personal consumption loan balances exceeding 100 billion yuan, with the top ten banks surpassing 300 billion yuan, indicating a significant concentration of loan balances among leading banks [4]. - Postal Savings Bank leads with a loan balance of 613.9 billion yuan, followed by China Construction Bank at 544.9 billion yuan and Agricultural Bank of China at 491.4 billion yuan [3][4]. Group 3: Bank Rankings - Among the top ten banks, five are large state-owned commercial banks, while three national joint-stock commercial banks also made the list: Ping An Bank (4th), China Merchants Bank (6th), and CITIC Bank (10th) [5]. - Notable performances include Ping An Bank with a balance of 474.7 billion yuan, surpassing Industrial and Commercial Bank of China at 421.2 billion yuan, and Ningbo Bank at 357.5 billion yuan, slightly ahead of Bank of Communications at 330.3 billion yuan [5].