使命所系，行动所向。近年来，交通银行将服务科技金融大文章置于战略核心，以扎实行动回应时代召 唤。 党的二十届四中全会提出"加快高水平科技自立自强，引领发展新质生产力"，明确要加快建设金融强 国，大力发展金融"五篇大文章"。交通银行作为国有大型金融机构，扎实践行主力军压舱石职责，将做 好"科技金融"大文章视为践行金融工作政治性、人民性的重要举措，持续优化科技金融多层次服务体 系，共建金融服务场景生态，为科技型企业提供全周期、全链条、接力式金融服务。 拓宽朋友圈 护航创新主体 系，为金融服务提供专业支撑。 科技创新是一项系统工程，需要凝聚各方合力。交通银行积极构建开放、协同、互惠的产融生态，全面 提升金融服务质效。 2024年，交通银行与工信部火炬中心签署战略合作协议，共建"火炬交银联合创新实验室"，围绕数据挖 掘利用、信贷产品创新、金融场景搭建及国家高新区服务等领域开展深度合作，持续加大对科技企业孵 化器、科创团队及产业园区的金融支持力度。2025年，双方联合启动"五个一"专项行动，以重点高新技 术园区为突破口，构建"政银园企"多方协同的创新服务平台，通过组织一次深度互访、举办一场银企对 接、开展一次融资路演， ...

Core Insights - The 19th Shanghai Financial Services for the Real Economy Conference (referred to as "Jinhui Conference") successfully held a special docking event in the Huangpu District, focusing on how financial services can empower the real economy [1] Group 1: Financial Support for SMEs - Representatives from companies such as Shanghai KooBan Biotechnology Co., Ltd. and Shanghai Wind Leading New Energy Co., Ltd. discussed challenges like high financing costs and difficulties in obtaining funds [3] - Financial advisors suggested that banks could provide comprehensive financial support for SMEs' debt financing needs before going public, including policy-backed guarantees and intellectual property pledge financing to reduce costs [3] - Online financing products with flexible repayment options can better match the cash flow needs of enterprises, enhancing capital efficiency [3] Group 2: Role of Insurance in Financing - Insurance companies can play a dual role in risk protection and credit enhancement, with research and development insurance creating a safety net for R&D investments [4] - Loan performance guarantee insurance can replace traditional collateral, effectively reducing banks' credit concerns and broadening financing channels for enterprises [4] Group 3: Integrated Financial Services Ecosystem - Financial institutions are leveraging diversified licenses to create an integrated service ecosystem, offering tailored financial services to SMEs [5] - The Shanghai Inclusive Finance Advisor system, launched in September 2022, aims to bridge the information gap between financial institutions and enterprises, providing professional consulting services [5] - The Jinhui Conference has been innovating its format and content to enhance the quality and effectiveness of financial services, reinforcing the commitment of Shanghai's financial sector to support the real economy [5]

证券之星消息，11月25日国有大型银行板块较上一交易日上涨1.12%，交通银行领涨。当日上证指数报 收于3870.02，上涨0.87%。深证成指报收于12777.31，上涨1.53%。国有大型银行板块个股涨跌见下表： | 代码 | 名称 | 主力净流入 (元) | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入 (元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601988 中国银行 | | 2.18亿 | 8.09% | -1.16亿 | -4.31% | -1.02亿 | -3.79% | | 601398 工商银行 | | 1.82亿 | 7.25% | -1.41亿 | -5.60% | -4154.13万 | -1.65% | | 601328 交通银行 | | 1.08亿 | 6.65% | -6768.23万 | -4.17% | -4015.38万 | -2.48% | | 601288 农业银行 | | 1.05 Z | 5.68% | -6857.65万 | -3.69% | -3690. ...

| 序号 代码 | | 名称 | O | 最新 | 总市值 | 涨幅％ 1 | 年初 | | --- | --- | --- | --- | --- | --- | --- | --- | | 1 | 601009 | 南京银行 | 1 | 11.64 | 1439亿 | 2.65 | | | 2 | 601998 | 中信银行 | 1 | 7.91 | 4402亿 | 246 | | | 3 | 601328 | 交通银行 | 1 | 7.72 | 6822亿 | 2.12 | | 农业银行此前走出"14连阳"行情，截至11月25日收盘，收盘价为8.07元/股。据东方财富choice数据，农行年初至今涨幅近58%，居板块首位。对于农业银行 本轮行情，资深金融监管政策专家周毅钦曾向记者分析谈到，其核心逻辑仍以估值修复为主，尚未切换为成长属性定价。一方面当前仍以低估值与高股息的 吸引力为主。农行股息率显著高于国债收益率，叠加市场避险情绪升温，险资、公募等长期资金持续加仓，推动估值向合理区间回归。 "另外一方面是基本面韧性提供支撑。农行上半年财报数据稳健，存款成本低、不良率可控的护城河优势强化了安全垫，但成长属性 ...

Core Insights - The article highlights the recognition of various banks in Shenzhen for their contributions to providing high-quality financial services to technology innovation enterprises, thereby supporting the development of new industries and economic models [2][3][4][5]. Group 1: Awarded Institutions - The awarded institutions include major banks such as Bank of China, Agricultural Bank of China, Bank of Communications, Ping An Bank, China Everbright Bank, Shanghai Bank, Guangfa Bank, and Zhuhai Huaren Bank [2]. Group 2: Contributions of Awarded Banks - **Bank of China Shenzhen Branch**: Focused on inclusive finance and key industries, serving over 15,000 local tech enterprises with technology loans exceeding 270 billion yuan, and loans for strategic emerging industries and manufacturing surpassing 200 billion yuan each [2]. - **Agricultural Bank of China Shenzhen Branch**: Innovated multiple financial products, including the first knowledge property asset-backed note and a customized loan product for drone technology enterprises [2]. - **Bank of Communications Shenzhen Branch**: Developed the "Kechuang Pengfei Loan" to address financing difficulties for small and medium-sized tech enterprises by integrating 12 lending dimensions into the assessment system [3]. - **Ping An Bank**: Established a technology finance center to create a comprehensive financial service system covering the entire lifecycle of tech enterprises, with specialized teams in key branches [3]. - **China Everbright Bank Shenzhen Branch**: Built a specialized service team and innovative "Sunshine Innovation" products to support enterprises throughout their lifecycle [3]. - **Shanghai Bank Shenzhen Branch**: Focused on providing diversified financial support for tech innovation enterprises, establishing a unique "12345" technology finance service system [3]. - **Guangfa Bank Shenzhen Branch**: Emphasized customer-centric high-quality development and created a comprehensive technology finance service system [4]. - **Zhuhai Huaren Bank**: Engaged in the Bay Area development, focusing on integrating finance with industry to create a technology-driven specialty industrial bank [5].

在中国人民银行深圳市分行的指导下，交通银行深圳分行（以下简称"深圳交行"）充分发挥跨境人民币业务在服 务实体经济的作用，坚定地贯彻"本币优先"理念，充分运用人民币跨境结算和融资功能，为外贸事业的蓬勃发展 以及中资企业"走出去"战略提供了强有力的金融支持。截至今年10月末，深圳交行跨境人民币收支量同比增长 92.71%，在分行同口径本外币收支中的占比超过七成，人民币跨境结算占比提升成效显著。 某集团公司冻品进口量位居行业前列，其所在的冻肉产业链长期面临着跨境采购周期长、经销商融资困难以及货 款回款速度慢等痛点问题。深圳交行积极探索科技赋能金融支持外贸的创新路径，为该企业量身定制了供应链融 资与便利化跨境人民币结算相结合的综合服务方案。该行推出的"冻肉贷"普惠金融信贷产品，运用"大数据+场 景"技术，实现了融资流程的线上化操作，将金融活水精准输送到民生冻品冷链末端企业。 这一举措有效优化了供应链资金流，为企业的进口业务持续发展提供了坚实保障，同时助力企业提升在国际贸易 谈判中的话语权。今年前三季度，该集团通过深圳交行办理的进口项下跨境人民币结算金额同比增长182.66%，其 中与泰国供应商结算金额同比增长超过8倍 ...

Core Viewpoint - The recent surge in stock prices of major banks in China is driven by their mid-term dividend announcements, with a total cash dividend amounting to 2638 billion yuan for 2025, indicating significant value potential in the banking sector [2][3][4]. Dividend Announcements - As of November 24, 2025, 24 A-share listed banks have disclosed their mid-term dividend plans, with a total cash dividend of 2638 billion yuan, including first-time mid-term dividends from seven banks [2][4]. - Notably, Wuxi Bank announced a cash dividend of 0.11 yuan per share, totaling 2.41 billion yuan, with the ex-dividend date on November 25, 2025 [4]. - Hangzhou Bank plans to distribute a cash dividend of 0.38 yuan per share, amounting to 27.55 billion yuan, reflecting a 24.10% increase from the previous year [4]. Dividend Yields - The average dividend yield for listed banks as of November 24 is 4.48%, with 12 banks yielding over 5% and 26 banks over 4% [5]. - Major banks like Bank of Communications and Agricultural Bank of China have lower yields, ranging from 3% to 4.18% [5]. Shareholder and Executive Buybacks - There has been a notable increase in share buybacks by major shareholders and executives, signaling positive market sentiment [7][8]. - For instance, Chengdu Bank's major shareholders increased their holdings by approximately 34.24 million shares, investing 611 million yuan [7]. - The banking sector has seen a total of 126.30 billion yuan in buybacks this year, ranking second among industry sectors [8]. Market Performance and Outlook - The banking sector has experienced a net increase in holdings exceeding 90 billion yuan, with significant support for stock prices from shareholder buybacks [6][9]. - Analysts suggest that the upcoming long-term capital allocation period at year-end will further enhance the market performance of bank stocks [9].

Core Insights - The state-owned large bank sector experienced a decline of 0.76% on November 24, with China Bank leading the drop [1] - The Shanghai Composite Index closed at 3836.77, up 0.05%, while the Shenzhen Component Index closed at 12585.08, up 0.37% [1] Bank Performance - Postal Savings Bank closed at 5.79, down 0.34% with a trading volume of 2.19 million shares [1] - Agricultural Bank closed at 8.02, down 0.37% with a trading volume of 2.97 million shares [1] - Construction Bank closed at 9.75, down 0.41% with a trading volume of 1.29 million shares [1] - Industrial and Commercial Bank closed at 8.20, down 0.61% with a trading volume of 3.49 million shares [1] - Bank of Communications closed at 7.56, down 0.79% with a trading volume of 1.90 million shares [1] - China Bank closed at 6.17, down 1.91% with a trading volume of 6.20 million shares [1] Capital Flow Analysis - The state-owned large bank sector saw a net outflow of 47.67 million yuan from institutional investors and 23.99 million yuan from retail investors, while individual investors had a net inflow of 71.67 million yuan [1] - The capital flow for individual banks showed varied trends, with Bank of Communications having a net inflow of 72.53 million yuan from institutional investors, while China Bank had a net outflow of 49.25 million yuan [2] - Agricultural Bank experienced a net inflow of 54.10 million yuan from institutional investors, but a net outflow of 66.31 million yuan from retail investors [2]

Core Viewpoint - Weihai Xinbeiyang Rongxin Technology Co., Ltd., a subsidiary of Xinbeiyang (002376.SZ), has won a bid for the "small denomination cash sorting machine project" from Bank of Communications, indicating a significant advancement in the company's product offerings and market position in the banking equipment sector [1] Company Summary - Rongxin Technology received a bid notification from Guoxin Tendering Group Co., Ltd. confirming its status as the winning bidder for the small denomination cash sorting machine project [1] - The small denomination cash sorting machine is designed for use in bank branches, capable of automating the processes of currency recognition, counting, and sorting, while also featuring counterfeit detection capabilities [1] - The machine is characterized by its compact size, ease of operation, rapid and accurate sorting, and low maintenance requirements, which can significantly enhance the automation level of cash handling in banks [1] Industry Summary - The project win reflects a growing demand for automated cash handling solutions in the banking industry, driven by the need for efficiency and security in cash management [1] - The introduction of advanced cash sorting machines aligns with industry trends towards increased automation and technological integration in financial services [1]

Core Viewpoint - The company Rongxin Technology, a subsidiary of Xinbei Yang, has been awarded a contract for the "small cash sorting machine project" by the Guoxin Tendering Group, indicating a significant opportunity for growth in the banking automation sector [1] Group 1: Company Overview - Rongxin Technology has received a "Notice of Winning Bid" for the small cash sorting machine project from the Guoxin Tendering Group [1] - The small cash sorting machine is designed for use in bank branches and can automate the processes of currency recognition, counting, and sorting while also providing counterfeit detection capabilities [1] Group 2: Product Features - The small cash sorting machine is characterized by its compact size, ease of operation, rapid and accurate sorting, and low maintenance requirements [1] - The machine significantly enhances the level of automation in cash handling for banks [1]