茲提述交通銀行股份有限公司（「本行」）日期為2025年8月29日之公告及日期為 2025年9月4日之通函（「該通函」），內容有關（其中包括）建議委任劉瑞霞女士「劉 女士」）為本行獨立非執行董事。 本行董事會（「董事會」）謹此公佈，本行近日收到《國家金融監督管理總局關於劉 瑞霞交通銀行獨立董事任職資格的批復》（金復[2025]776號），國家金融監督管理 總局已核准劉女士任本行獨立非執行董事的任職資格，劉女士已正式就任本行獨 立非執行董事。有關劉女士的簡歷及其他根據香港聯合交易所有限公司證券上市 規則須予披露的資訊，請見該通函。截至本公告日期，該等資訊並無發生變化。 於其董事任職資格獲核准後，劉女士同時擔任董事會風險管理與關聯交易控制委 員會委員、人事薪酬委員會委員。 1 根據本行第十屆董事會第二十四次會議決議，劉女士的獨立非執行董事任職資格 獲核准後，石磊先生不再擔任本行獨立非執行董事、董事會風險管理與關聯交易 控制委員會委員、人事薪酬委員會委員。石磊先生已確認與本行董事會無不同意 見，也沒有任何與其不再擔任本行獨立非執行董事有關而需要通知本行股東和債 權人的事項。石磊先生在本行董事會任職6年期間，勤勉敬業、 ...

Core Viewpoint - The New Year messages from major state-owned banks emphasize their roles as the "main force" and "leading geese" in the financial industry, focusing on risk prevention, strong regulation, and promoting high-quality development while addressing both macroeconomic stability and micro-level public needs [1][2]. Group 1: National Responsibility and Public Service - Major banks highlight their commitment to national priorities and public welfare, with ICBC pledging to support employment and market stability through increased lending and bond investments [1] - Agricultural Bank of China emphasizes its mission in rural development, achieving over 1 trillion yuan in county loans for four consecutive years and a loan balance of 1.8 trillion yuan for farmers [1] - Banks are actively addressing public needs, with initiatives like Bank of China’s tea garden project generating over 100 million yuan in value and Agricultural Bank providing over 1 million home services for the elderly [2] Group 2: Financial Innovation and Globalization - The "Five Major Articles" of financial services—technology finance, green finance, inclusive finance, pension finance, and digital finance—are integrated into the development strategies of major banks, with ICBC leading in manufacturing and green loans [3] - Agricultural Bank has launched an AI innovation framework to enhance customer service and risk management, while ICBC has achieved full coverage of its smart risk control centers [3] - Chinese banks are expanding their global service capabilities, exemplified by Bank of China’s issuance of 4 billion euros in sovereign bonds in Luxembourg and participation in cross-border payment projects [4][5] Group 3: Stability and Long-term Vision - State-owned banks emphasize a focus on stable operations and long-term strategies, with China Bank highlighting the importance of maintaining strategic determination amid market volatility [5][6] - Agricultural Bank stresses the need for a correct performance outlook and the importance of addressing challenges while ensuring high-quality development and risk management [6] - The commitment to employee recognition and appreciation is evident, with banks acknowledging the contributions of their staff in supporting major national events and initiatives [7]

交通银行关于董事任职资格获监管机构核准的公告 交通银行近日收到国家金融监督管理总局批复，刘瑞霞女士任本行独立董事的任职资格已获核准。刘瑞 霞自核准之日起担任董事会风险管理与关联交易控制委员会委员、人事薪酬委员会委员。根据董事会决 议，石磊先生不再担任本行独立董事及相关委员会委员职务。石磊先生已确认与董事会无不同意见，且 无须通知股东和债权人的事项。董事会对其任职期间的勤勉履职和贡献表示感谢。 交通银行H股公告 交通银行股份有限公司于2026年1月2日提交截至2025年12月31日的证券变动月报表。报告显示，公司普 通股A股、H股及境内优先股的法定/注册股本、已发行股份均无变动。A股和H股分别维持 53,351,921,593股和35,011,862,630股，境内优先股为450,000,000股，面值均为人民币1元或100元。库存 股数量为零。本月底注册股本总额为人民币133,363,784,223元。 以上内容为证券之星据公开信息整理，由AI算法生成（网信算备310104345710301240019号），不构成 投资建议。 截至2025年12月31日收盘，交通银行(601328)报收于7.25元，上涨0. ...

Group 1 - The People's Bank of China conducted a 365 billion yuan 7-day reverse repurchase operation, resulting in a net withdrawal of 433.6 billion yuan [1] - The People's Bank of China issued the "Non-Bank Payment Institutions Classification Rating Management Measures" to enhance supervision of non-bank payment institutions, effective from February 1, 2026 [2] - In 2025, the banking sector saw a net increase of 623 physical bank branches, marking the first positive growth in three years despite the closure of 7,871 branches [3] Group 2 - Ten digital RMB operating banks announced that starting January 1, 2026, they will pay interest on digital RMB wallets at the same rate as their demand deposit rates [4] - Chengdu Rural Commercial Bank announced that its total assets have surpassed 1 trillion yuan, becoming the fifth rural commercial bank in China to reach this milestone [5] - Xinjiang Bank received approval to increase its registered capital from 7.906 billion yuan to 12.222 billion yuan [6] Group 3 - Baoding Bank's plan to change its registered capital was approved, allowing it to raise 250 million shares [7] - Ningbo Tongshang Bank was approved to issue capital instruments not exceeding 2 billion yuan, including perpetual bonds and subordinated bonds [8][9] - The Dongguan Financial Regulatory Bureau and other departments will pilot real estate trust property registration in Dongguan to support the transformation of the trust business [10] Group 4 - New Era Trust's 100% equity is being offered for transfer for the third time, with a base price of approximately 1.851 billion yuan, consistent with previous offers [11]

Core Insights - The article discusses how various banks are launching year-end bonus investment plans to help investors manage their funds effectively in the current market environment, focusing on safety and yield enhancement [1][2]. Group 1: Investment Strategies - Multiple banks, including Postal Savings Bank, Guangfa Bank, and Everbright Wealth, are promoting "one-stop" investment solutions for year-end bonuses, emphasizing a stable and low-volatility approach [1][2]. - Guangfa Bank offers a tiered asset allocation strategy categorized as conservative, stable, and aggressive, aligning with different risk appetites and return expectations of investors [1]. - Everbright Wealth suggests dividing the year-end bonus into three segments based on usage: short-term living expenses, medium-term expenditures, and long-term growth, each linked to specific low-risk fixed-income products [2]. Group 2: Product Offerings - Postal Savings Bank and Bank of Communications are also actively participating in the year-end bonus investment market, with Postal Savings Bank providing tailored low-risk products based on different usage scenarios [2]. - Bank of Communications has enhanced its offerings by including insurance and precious metals alongside its stable mid-term investment products, broadening the "one-stop" investment matrix [2]. - The main focus of the products is on PR1 to PR2 risk levels, with only a few higher-risk options appearing in fund recommendations, indicating a conservative investment climate [2]. Group 3: Expert Recommendations - Analysts recommend a combined approach of "designated funds for specific uses" and "diversified allocation" to meet various financial needs, ensuring liquidity and safety for short-term needs while considering long-term growth through appropriate insurance products [3]. - Investors are advised to analyze their financial situations, risk tolerance, and funding needs before customizing their year-end bonus investment plans, taking into account income stability and market trends [2][3].

登录新浪财经APP 搜索【信披】查看更多考评等级 1月4日金融一线消息，国家金融监督管理总局关于刘瑞霞交通银行独立董事任职资格的批复，核准刘瑞 霞交通银行股份有限公司独立董事的任职资格。 公开资料显示， 刘瑞霞，女，1961 年生，中国国籍，高级经济师。目前担任中国银行业协会绿色信贷 专业委员会首席专家，中国银行业支持实现碳达峰碳中和目标专家工作组首席专家。荣获国务院政府特 殊津贴。曾任金融稳定理事会气候相关财务信息披露工作组（TCFD）成员，中国工商银行风险管理部 总经理、资深风险管理专家、副总经理，信贷评估部副总经理、评估咨询部副总经理，评估咨询部信用 评估处处长、基金托管部核算管理处处长、业务发展部综合处处长等职务。1989年于西南财经大学获经 济学硕士学位。 责任编辑：曹睿潼 登录新浪财经APP 搜索【信披】查看更多考评等级 1月4日金融一线消息，国家金融监督管理总局关于刘瑞霞交通银行独立董事任职资格的批复，核准刘瑞 霞交通银行股份有限公司独立董事的任职资格。 公开资料显示， 刘瑞霞，女，1961 年生，中国国籍，高级经济师。目前担任中国银行业协会绿色信贷 专业委员会首席专家，中国银行业支持实现碳达峰 ...

Core Viewpoint - The implementation of the "Regulations on the Management of Sales Expenses for Publicly Raised Securities Investment Funds" marks a significant step in the fee rate reform of the public fund industry, aimed at reducing investor costs and enhancing their experience, thereby promoting high-quality industry development [1][5][10]. Group 1: Industry Impact - The fee rate reform is expected to lower investor costs significantly, with an overall reduction in sales expenses by 34%, potentially saving investors approximately 30 billion yuan annually [10][11]. - The reform encourages a shift from a "sell-side" to a "buy-side" service model, aligning industry development with investor interests [2][5]. - The new regulations include detailed provisions for reducing subscription and service fees, optimizing redemption arrangements, and promoting long-term holding of funds [5][10]. Group 2: Institutional Responses - Industrial and Commercial Bank of China (ICBC) emphasizes enhancing investor satisfaction and service quality through transparent communication and educational initiatives [2][3]. - Bank of China focuses on implementing regulatory requirements to ensure smooth reform execution while enhancing its service system and promoting long-term investment [5][6]. - Bank of Communications highlights the importance of the new regulations in reducing costs and fostering a customer-centric approach in wealth management [7][9]. Group 3: Specific Initiatives - ICBC plans to upgrade its customer service capabilities, including personalized investment advice and improved digital platforms for better user experience [3][4]. - Bank of China has implemented various fee discounts and is committed to improving service quality through training and digital tools [5][6]. - Traffic Bank is launching initiatives like the "Wode Wealth Journey" to enhance financial education and investor engagement [9]. Group 4: Future Directions - The reform is seen as a catalyst for the industry to focus on long-term returns rather than short-term gains, promoting a healthier market environment [10][11]. - The establishment of a direct sales service platform aims to enhance efficiency and service quality for fund management [11].

Core Insights - A significant trend observed in 2025 is the increase in large fines imposed on banks, reflecting compliance shortcomings and risk points during the transition to high-quality development in the banking industry [2][16] - In 2025, regulatory authorities issued a total of 454 fines exceeding one million yuan to banking institutions and personnel, an increase of 58 from the previous year, with the total amount of fines nearly doubling [2][16] - The main areas of violations in 2025 were concentrated in credit business, anti-money laundering, and internal control systems, with anti-money laundering violations seeing the most notable increase, reaching 894 fines, a rise of 185.09% compared to the previous year [2][16] Summary of Fines Over 20 Million Yuan - In 2025, there were 12 fines disclosed with amounts exceeding 20 million yuan, primarily related to compliance management issues in traditional business areas such as loans and bills, indicating deficiencies in basic business risk control and regulatory cooperation [4][17] - Common violations included issues with account management and anti-money laundering, highlighting flaws in customer identity verification and transaction monitoring processes [3][17] Summary of Fines Between 10 Million and 20 Million Yuan - This category of fines predominantly involved joint-stock banks, reflecting a conflict between business innovation and compliance management [6] - Violations were mainly related to compliance operations (account and anti-money laundering) and business management (internet loans and agency sales), with cross-border foreign exchange violations being a secondary concern [7] Summary of Fines Between 5 Million and 10 Million Yuan - Fines in this range were primarily concentrated among city commercial banks, joint-stock banks, and rural commercial banks [10] - The most common violations included anti-money laundering and customer identity verification issues, alongside traditional problems related to credit "three checks" failures [10]

中国基金报记者 方丽 李树超 陆慧婧 今年1月1日，《公开募集证券投资基金销售费用管理规定》（以下简称《规定》）正式实施，标志着公募基金行业历经两年多的费率改革 终于全面落地。 【导读】《公开募集证券投资基金销售费用管理规定》正式实施，构建公募行业 高质量发展新生态 加强培训传导。 组织全行基金销售人员、客服人员及运营支持人员进行专题培训，确保一线人员能够准确、清晰地向投资者传达政策变 化。 费率改革对工商银行基金销售业务模式提出了更高要求，也指明了转型方向。工商银行将以提升客户盈利体验为导向，加强专业力量，持 续优化建设科学严谨的基金评价筛选体系，在全市场范围内为投资者甄选真正优质的基金管理人和产品，强化资产配置能力，根据客户风 险承受能力与生命周期需求，提供多元化、个性化的基金投资组合建议。 该《规定》引发市场关注，工行、中行、交行、富国基金等头部机构积极发声。这些机构表示， 公募基金费率改革有助于稳步降低投资者 投资成本，提升投资者获得感，进一步推动行业转型和高质量发展。 工商银行：积极落实公募基金销售费率改革 切实提升投资者获得感 公募基金销售费率改革，是践行金融工作人民性的关键举措，核心在于提升投资 ...

Group 1 - From January 1, 2026, digital RMB real-name wallet balances will earn interest based on the current demand deposit rate set by the respective banks, which is currently 0.05% [1] - The digital RMB is categorized into four types of wallets, with only the first three types (real-name wallets) eligible for interest, while the fourth type (anonymous wallet) will not earn interest [1] - The interest will be calculated according to the People's Bank of China’s demand deposit interest rules, with interest credited on the 20th of each quarter's last month [1] Group 2 - There are currently 10 designated operating institutions for digital RMB, including six state-owned commercial banks, two joint-stock commercial banks, and two internet banks [2] - The central bank is working on expanding the number of operating institutions and has introduced a new action plan to enhance the management and service system for digital RMB, set to be implemented on January 1, 2026 [2] - Banks will manage the digital RMB wallet balances autonomously and provide the same level of security as traditional deposits through deposit insurance [2]