Core Viewpoint - The article emphasizes the role of financial services in driving high-quality development of the real economy, highlighting the initiatives of the Bank of Communications (BoCom) in enhancing corporate financial management and innovation through its "Yun Tong" brand activities [1][3]. Group 1: Financial Services Initiatives - BoCom has launched the "Yun Tong Treasury" brand service, offering a "1+3+N" smart treasury service system to nearly 4,000 central state-owned enterprises and over 10,000 companies, facilitating comprehensive financial resource management [3]. - The "Yun Tong Treasury Management System (Cloud Cross-Bank 3.0)" was introduced to enhance financial management capabilities, allowing direct connections with over 220 domestic and international banks, thus improving corporate financial resource management [4]. Group 2: Collaborative Financing Ecosystem - BoCom collaborates with local governments to create a financing ecosystem that combines policy support, credit enhancement, and data empowerment, exemplified by the "Jike Points Loan" in Hebei, which uses innovation points for credit assessment [6][7]. - The "Kechuang Cloud Guarantee Loan" in Yunnan provides up to 10 million yuan in pure credit loans for qualified tech enterprises, lowering financing barriers and supporting the expansion of tech finance [7]. Group 3: Scenario-Based Financial Innovation - BoCom has developed the "Electric Grid Pass" comprehensive financial service plan, which covers various financial needs across the electric power industry, and has upgraded to "Electric Grid Pass 2.0" to include services for new energy charging stations [9]. - The "Yun Electric Quick Loan" in Yunnan uses electricity consumption data to assess corporate vitality, offering credit support based on stable electricity usage patterns [10]. Group 4: Digital Tools and Efficiency Enhancement - The "Yun Tong Accounting" payment settlement solution was launched to address issues like complex settlement tools and low reconciliation efficiency, providing integrated services for enterprises [12]. - BoCom aims to embed financial technology deeply into corporate operations, facilitating a new digital financial ecosystem that promotes data connectivity and integrated management systems [12]. Group 5: Future Directions - The "Yun Tong Wanli Xing" series of activities has concluded successfully, with BoCom planning to continue these initiatives to enhance resource allocation and financial integration with the real economy, supporting regional high-quality development and modernization efforts [13].

Core Insights - The Bank of Communications Shandong Branch provided a 10 million yuan pure credit loan to a national-level specialized and innovative "little giant" enterprise in Shandong, alleviating the financial pressure on the company for R&D and capacity upgrades [1][2] - The "Kechuang Qilu Loan" product was innovatively launched to cater to the characteristics of technology-based enterprises, utilizing six unique assessment methods to meet the financing needs of companies at different growth stages [1][2] - The supported enterprise specializes in the R&D, manufacturing, sales, and maintenance of new energy locomotives, having developed the first battery-powered intelligent locomotive, which fills a gap in the industry [1][2] Financing and Service Efficiency - The Bank of Communications Rizhao Branch quickly formed a dedicated service team to assess the enterprise's technical capabilities and financing needs, completing the entire loan approval process in just three working days [2] - The enterprise's representative expressed that the bank's efficient financial services provided crucial support for their technological breakthroughs and market expansion [2] - Since the launch of the "Kechuang Qilu Loan," over 2,000 technology-based enterprises have been served, with loans exceeding 10 billion yuan, earning multiple honors for financial innovation [2] Future Outlook - The Bank of Communications Shandong Branch plans to deepen its technology financial service mechanisms and enrich its product offerings to continuously inject financial momentum into technological innovation and industrial upgrades in Shandong [2]

Core Viewpoint - The successful implementation of the first green foreign debt pilot business by Bank of Communications in Zhejiang Province marks a significant step in translating green foreign debt policies into practice, providing local enterprises with new financing channels and reducing cross-border financing costs [1][2]. Group 1: Policy Implementation - The green foreign debt pilot policy in Zhejiang Province was officially introduced in December this year, leading to the rapid establishment of a joint service team by Bank of Communications to support enterprises [1]. - The team includes marketing and professional support, with proactive engagement from customer managers to meet enterprise needs and in-depth research on policy details by the international business team [1]. Group 2: Company Profile - The borrowing enterprise, Zhejiang Kaisi Technology Development Co., Ltd., established in 2008, focuses on the research, production, and sales of cosmetic raw materials and is recognized as a national high-tech enterprise [1]. - The company is also classified as a green specialized enterprise and is committed to low-carbon transformation through technology upgrades and energy efficiency improvements [1]. Group 3: Project Details - The green foreign debt of $1.5 million will be specifically used for energy-saving upgrades and process optimization of production equipment, further reducing carbon emissions [2]. - The successful registration of this green foreign debt is a key outcome of collaboration among banks, enterprises, and government, creating a replicable and scalable service model [2].

Core Viewpoint - As of December 15, 2025, 26 A-share listed banks have announced mid-term or quarterly dividend plans, with a total expected payout exceeding 260 billion yuan [1]. Group 1: Major Contributors - The six major state-owned banks are the main contributors to this dividend distribution, with Industrial and Commercial Bank of China leading at 50.396 billion yuan, followed by China Construction Bank at 48.605 billion yuan, Agricultural Bank of China at 41.823 billion yuan, Bank of China at 35.250 billion yuan, Postal Savings Bank of China at 14.771 billion yuan, and Bank of Communications at 13.811 billion yuan [3]. - The total cash dividend from these six major banks exceeds 200 billion yuan [3]. Group 2: Other Banks - Among joint-stock banks, both Industrial Bank and CITIC Bank are expected to distribute over 10 billion yuan in dividends, specifically 11.957 billion yuan and 10.461 billion yuan respectively [3]. - Everbright Bank and Minsheng Bank are also projected to exceed 5 billion yuan in dividends [3]. - Several regional small and medium-sized banks are actively participating in mid-term dividends, with Shanghai Bank, Nanjing Bank, Hangzhou Bank, Shanghai Rural Commercial Bank, and Ningbo Bank leading in dividend amounts [3]. - Notably, banks like Industrial Bank and Ningbo Bank are introducing mid-term dividend plans for the first time [3]. Group 3: Dividend Implementation - Several banks have specified the dates for dividend distribution, with Industrial and Agricultural Banks set to distribute cash dividends on December 15, 2025 [3]. - Bank of Communications has announced that it expects to distribute mid-term cash dividends to A-share shareholders on December 25, 2025 [3].

Core Viewpoint - Technology is the foundation of national strength, and the company emphasizes the importance of "technology finance" as a key initiative to enhance its political and social responsibilities in financial work [1] Group 1: Strengthening Top-Level Design - The company has revised its Articles of Association to optimize the positioning of the Board's Strategic Committee, aiming to align its governance system with the strategic deployment of the "Five Major Articles" [3] - A Technology Finance Committee has been established to enhance the organizational structure, creating an efficient four-level working mechanism [3] - By June 2025, the company plans to implement action measures to promote high-quality development in technology finance, focusing on six key areas including organizational optimization and credit service upgrades [3] Group 2: Launching "Jiaoyin Science and Technology Innovation" - The company has integrated resources to launch the "Jiaoyin Science and Technology Innovation" brand, introducing a "4+3" service model to support the growth of technology enterprises [4] - A product system including "Science and Technology Easy Loan," "Easy Investment," "Easy Financing," and "Easy Leasing" has been established to address financing challenges for technology enterprises [4] - The company has developed a proprietary evaluation model for technology enterprises, which is applied across the organization to enhance marketing and risk management processes [4] Group 3: Improving Differentiated Policies - The company has created a dedicated product line for "Science and Technology Easy Loan" tailored to the different stages of enterprise development [5] - By June 2025, the company's technology loan balance is expected to exceed 1.5 trillion yuan, supporting over 63,700 enterprises [5] Group 4: Leveraging Full-License Advantages - The company is utilizing its full-license advantages to facilitate direct financing for technology enterprises, including collaboration with national-level funds [6] - By June 2025, the total financing scale of the company's technology finance is projected to exceed 1.7 trillion yuan [6] Group 5: Promoting Local Implementation - The company is actively implementing technology finance at the local level, optimizing branch organizational structures to establish specialized technology finance institutions [8] - Currently, 30 branches have set up dedicated technology finance organizations, creating nearly 100 specialized technology branches [8] Group 6: Strengthening Group Collaboration - The company is leveraging its integrated operations to provide cross-border financing services for technology enterprises, including loans and overseas listings [9] - The "Jiaoyin Trade and Finance" platform offers various online products to facilitate cross-border settlement and financing services for technology enterprises [9]

Core Viewpoint - Technology is the foundation of national strength, and the company emphasizes the importance of "technology finance" as a key initiative to enhance financial services for technology enterprises, aiming to establish a robust financial service system that aligns with high-level technological self-reliance and national strength in technology [1] Group 1: Strengthening Top-Level Design - The company is revising its articles of association to optimize the positioning of the Board's Strategic Committee, aiming to create a governance system that aligns with the "Five Major Articles" strategic deployment [4] - A Technology Finance Committee is established to enhance the organizational structure, forming an efficient four-level working mechanism [4] - By June 2025, the company plans to implement action measures to promote high-quality development in technology finance, focusing on six key areas including organizational mechanism optimization and credit service system upgrades [4] Group 2: Launching "Jiaoyin Science and Technology Innovation" - The company integrates resources to launch the "Jiaoyin Science and Technology Innovation" brand, introducing a "4+3" service model to support the growth of technology enterprises [6] - A product system including "Science and Technology Easy Loan," "Easy Investment," "Easy Financing," and "Easy Leasing" is established to address financing pain points for technology enterprises [6] - The company develops a proprietary "1+N" evaluation model for technology enterprises, which is applied across the organization to enhance marketing, credit processes, and risk management [6] Group 3: Improving Differentiated Policies - The company creates a dedicated product line for "Science and Technology Easy Loan" tailored to the different stages of enterprise development, promoting an "active credit" innovation model [8] - By June 2025, the company's technology loan balance is expected to exceed 1.5 trillion yuan, supporting 63,700 enterprises [8] Group 4: Leveraging Full License Advantages - The company utilizes its full license advantages to assist technology enterprises in direct financing, enhancing cooperation with national-level guiding funds [10] - By June 2025, the total financing scale of the company's technology finance is projected to exceed 1.7 trillion yuan [10] Group 5: Promoting Technology Finance Expansion - The company emphasizes both top-level design and local implementation, optimizing branch organizational structures to establish specialized technology finance promotion institutions [12] - Currently, 30 branches have set up specialized technology finance organizations, creating nearly 100 technology branches and specialized branches [12] Group 6: Strengthening Group Collaboration - The company leverages its integrated operations to provide cross-border financing services for technology enterprises, including cross-border loans and overseas listings [14] - The "Jiaoyin Trade and Finance" platform offers convenient cross-border settlement and financing services for technology enterprises [14]

对于唐朔"下一站"去哪儿，有消息称，其已任建设银行党委委员，在走完必要的程序后，唐朔或将出任 建行副行长一职。如建行副行长任职资格落定，他或将成为六家国有大行中最为年轻的一位副行长。 建行官网信息显示，目前该行高级管理层包括行长张毅，副行长纪志宏、李建江、韩静和雷鸣，以及首 席财务官生柳荣。 采写：南都湾财社记者 刘兰兰 公告显示，唐朔1978年出生，今年47岁。于2001年加入交通银行，在该行连续服务24年，曾任交通银行 北京市分行行长，广东省分行行长，江西省分行行长、副行长（代为履行行长职责），北京市分行副行 长、行长助理，总行公司机构业务部（投资银行部）副总经理，北京市分行个人金融业务部总经理、望 京支行行长、林萃路支行副行长等职务。 "任职期间勤勉敬业、恪尽职守，为本行改革发展事业作出了重要贡献。董事会谨此向唐先生表示衷心 感谢！"交通银行董事会在公告中表示。 值得一提的是，今年8月份，唐朔刚刚被提拔为业务总监。据交通银行8月29日发布的公告，公司董事会 会议同意聘任唐朔为业务总监（公司与机构业务）。这意味着，唐朔在业务总监（公司与机构业务）位 置上仅任职3个多月。 近日，交通银行发布公告称，唐朔因工 ...

12月10日至11日，中央经济工作会议在京举行。会议总结2025年经济工作，分析当前经济形势，部署 2026年经济工作。 中央经济工作会议召开后，工商银行、农业银行、中国银行（601988）、建设银行（601939）、交通银 行（601328）、邮储银行（601658）等六家国有大行纷纷召开党委（扩大）会议，传达学习中央经济工 作会议精神，研究部署贯彻落实措施。 中国银行：扎实推动党中央决策部署一贯到底、落地见效 中国银行党委扩大会议强调，要积极配合实施好提振消费专项行动和城乡居民增收计划，全方位满足居 民多元消费需求，深入支持"两新""两重"，助力建设强大国内市场。全面做好金融"五篇大文章"，加力 支持因地制宜发展新质生产力，积极支持现代化产业体系智能化、绿色化、融合化发展，助力经济社会 全面绿色低碳转型和新动能培育。加快提升全球布局能力和国际竞争力，积极服务高质量共建"一带一 路"、自贸区（港）建设、贸易投资一体化发展，加快推进人民币国际使用，助力深化改革扩大开放。 着力加大对中小微和民营企业、涉农等重点领域、薄弱环节的金融支持，促进城乡融合和区域联动。践 行"金融为民"初心，持续提升金融服务的可得性和便 ...

Core Viewpoint - The modernization of agriculture and rural areas is crucial for China's overall modernization, and the focus is on accelerating rural revitalization through financial innovation and support for key agricultural sectors [1][9]. Group 1: Financial Support for Agriculture - The company has established a dedicated leadership group for rural revitalization, ensuring a solid management system from strategic decision-making to grassroots execution [2]. - A "Four Special Mechanism" has been implemented to enhance credit support, including specialized policy guidelines and a dedicated approval channel for agricultural loans [2][3]. - The company has developed innovative financial products such as "Yinong e-loan" and "Agricultural Trade e-loan" to support agricultural product development and enhance supply security [3]. Group 2: Technology and Risk Management - The company utilizes big data risk control models to automate loan approvals, significantly reducing approval times and enhancing service accessibility in rural areas [3]. - A proactive credit service model has been introduced, leveraging mobile banking to extend financial services to rural communities [3]. Group 3: Food Security Initiatives - The company emphasizes food security as a national priority, supporting the agricultural supply chain in key grain-producing regions like Hebei, which produces over 700 billion jin of grain annually [6]. - A comprehensive financial ecosystem has been established to support the entire grain industry chain, from seed research to market circulation [6]. Group 4: Support for Local Industries - The company focuses on activating local特色产业 (characteristic industries) by providing tailored financial support to align with local resources and promote unique agricultural products [7]. - The "Agricultural Breeding Loan" product has been developed to assist livestock farmers in overcoming financing challenges through a data-driven approach [8]. Group 5: Future Commitment - The company is committed to continuing its support for rural revitalization and aligning its strategies with national development plans, aiming to contribute to the modernization of rural areas in China [9].

中央经济工作会议强调，"坚持协调发展，促进城乡融合和区域联动"。"中央经济工作会议更加坚 定了我们扎根县域、深耕'三农'的决心。"农业银行三农业务总监王兆阳说，将以会议精神为指引，围 绕强县富民产业、宜居宜业和美乡村建设等重点领域持续加力，为城乡融合发展注入源源不断的金融活 水。 邮储银行福建省福州市分行党委委员、副行长雷其才告诉《金融时报》记者，中央经济工作会议对 明年经济工作的部署让他更加确信，像邮储银行这样拥有广泛城乡网络和服务积淀的金融机构，将在农 村产权抵押创新、全产业链金融服务、数字化普惠金融等重点领域发挥更大作用。 12月10日至11日，中央经济工作会议在北京举行。银行基层员工纷纷表示，将深入学习贯彻会议精 神，立足本职岗位，把思想和行动统一到党中央决策部署上来，以务实举措服务实体经济高质量发展， 为实现"十五五"良好开局贡献金融力量。 学深悟透 筑牢发展共识 中央经济工作会议对当前经济形势的科学判断和未来发展的战略部署，让银行基层工作人员深化了 对金融工作政治性、人民性的认识，进一步凝聚了服务大局的思想共识。大家普遍认为，会议明确的总 体要求和政策取向，为基层金融工作提供了清晰指引，坚定了大家 ...