许昆林表示，以金融高质量发展助力辽宁全面振兴，离不开中国人民银行、金融监管总局的关心指导， 离不开中央金融机构的帮助支持。希望大家进一步关注辽宁、信任辽宁，深化拓展务实合作，支持辽宁 统筹做好金融"五篇大文章"，助力实体经济发展，与我们一道共享振兴发展机遇、开创美好未来。 会上，国家开发银行、中国进出口银行、中国农业发展银行、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、中国邮政储蓄银行、中国人民保险集团股份有限公司、中国人寿 （601628）保险(集团)公司、中国出口信用保险公司等中央金融机构主要负责同志先后发言。 12月11日，辽宁省与中央金融机构座谈会在北京举行。辽宁省委书记许昆林主持并讲话。中国人民银行 行长潘功胜，国家金融监督管理总局局长李云泽出席并讲话，辽宁省委副书记、省长王新伟介绍辽宁经 济社会发展总体情况。辽宁省委副书记、大连市委书记熊茂平，12家中央金融机构主要负责同志出席会 议。 许昆林表示，辽宁将搭建高效便捷的政金企对接平台，完善融资担保和风险补偿机制，为金融机构开展 业务创造更好条件。我们将全力打造一流营商环境，坚决整治破坏营商环境的问题，加强社会信用体系 建设，政府 ...

Group 1: Green Finance Initiatives - The Bank of Communications Anhui Branch focuses on green development, investing in key areas such as green infrastructure, new energy, ecological environment governance, and green consumption upgrades [1] - The Anhui Province has been promoting multimodal transport development to create a modern, safe, and efficient transportation system, exemplified by the Wuhu Tower Bridge multimodal transport base, which has a total investment of 7.18 billion and covers an area of 2,910 acres [2] - The Wuhu Tower Bridge multimodal transport base is set to become the largest and most comprehensive "road, rail, and water" multimodal transport hub in Anhui Province, enhancing regional economic development [2][3] Group 2: Support for Local Enterprises - The Huangshan Branch of the Bank of Communications is innovatively promoting the synergy between green finance and technology finance to support local specialty industries, such as the century-old Xie Yuda Tea Company, which has transitioned to modern production methods [4] - The bank tailored financial products for the tea company, including the "Sci-Tech Easy Loan" that offers large credit loans without collateral, and online mortgage loans to facilitate quick funding for equipment purchases and capacity expansion [5] Group 3: Environmental Protection Financing - The Bank of Communications Huaibei Branch is actively addressing ecological issues caused by over-extraction of groundwater by supporting a water source replacement project, which aims to convert industrial water sources to domestic use [6] - The bank established a dedicated team to streamline the approval process for the project, providing significant long-term credit support while ensuring risk management and compliance [7] - The Anhui Branch plans to deepen its green finance system, focusing on key areas such as the Yangtze River protection, clean energy development, and rural revitalization, to enhance financial support for various green projects [7]

交通银行（601328）子公司交银信托新总裁浮出水面。 12月8日，交银信托召开开门红启动会，余桑以党委副书记身份主持该会议。据了解，余桑将出任交银 信托总裁，任职资格尚待监管部门核准。余桑此次接棒的是赵海慧，赵海慧卸任交银信托总裁后另有调 任。 资料显示，余桑此前担任交通银行总行资产保全部党支部书记、总经理，曾担任交银金租董事。 余桑在交银信托开门红启动会上提出三点要求：一是要锚定目标、加压奋进，力争超额完成既定目标； 二是要统筹协调、精准施策，细化工作举措，明晰任务路径图，确保各项工作有序衔接；三是要迅速行 动、务求实效，以深入细致的工作作风抓好落地执行。 交银信托今年还完成了董事长职务调整。交银信托原党委书记、董事长童学卫年初到龄退休。今年3 月，张文调任交银信托担任党委书记；6月，监管部门正式核准张文担任交银信托董事长的任职资格。 前不久，交银信托法定代表人已变更为张文。 张文也来自交通银行，已在交通银行工作多年，历任交通银行深圳分行副行长、厦门分行行长，交通银 行总行机关党委常务副书记、机关纪委书记、党委宣传部部长等职务。 交银信托成立于1981年6月，原名为湖北省国际信托投资公司，后改制并更名为湖 ...

Core Insights - The article emphasizes the role of financial services in driving high-quality development of the real economy, highlighting the initiatives of Bank of Communications (BoCom) in 2025 to enhance corporate financing and operational efficiency through innovative financial solutions [1] Group 1: Financial Services Initiatives - BoCom launched the "Yun Tong Treasury" brand service, offering a comprehensive financial service system tailored for central state-owned enterprises and large enterprises, which includes a combination of financial products and systems to enhance financial resource management [2] - The "Yun Tong Treasury Management System (Cloud Cross-Bank 3.0)" was introduced to expand financial management capabilities, enabling direct connections with over 220 domestic and international banks for improved cash management and decision-making [3] 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" initiative in Hebei, which uses innovation points for credit assessment [4] - The "Kechuang Cloud Guarantee Loan" was introduced in Yunnan, providing up to 10 million yuan in unsecured loans for qualified technology enterprises, thereby lowering financing barriers [4] Group 3: Scenario-Based Financial Innovation - BoCom developed the "Electric Grid Pass" comprehensive financial service plan to meet the financial needs of the electric power industry, which has been upgraded to "Electric Grid Pass 2.0" to include services for new energy charging stations [5][6] - The "Cloud Electric Quick Loan" was introduced to assess corporate vitality based on electricity consumption patterns, offering credit support to high-quality electricity-using enterprises [6] Group 4: Digital Tools and Efficiency Enhancement - BoCom launched the "Yun Tong Account Management" payment settlement solution to address common pain points in corporate financial management, providing integrated services for payment, reconciliation, and fund supervision [7] - The bank aims to create a digital financial ecosystem that integrates financial technology into various operational aspects of enterprises, facilitating deep collaboration between financial services and business operations [7]

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) to enhance corporate financing and operational efficiency through innovative financial solutions and deep collaboration with government and enterprises [1][11]. Group 1: Financial Services Initiatives - BoCom launched the "Yun Tong Treasury" brand service, offering a "1+3+N" smart treasury service system tailored for state-owned enterprises and large corporate groups, facilitating a comprehensive upgrade in financial resource management [2]. - The "Yun Tong Treasury Management System (Yun Kua Hang 3.0)" was introduced to enhance financial management capabilities, enabling direct connections with over 220 domestic and international banks for improved global account management and payment solutions [3]. 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" initiative in Hebei, which uses innovation points for credit assessment [5]. - The "Kechuang Cloud Guarantee Loan" was introduced in Yunnan, providing up to 10 million yuan in pure credit loans for qualified tech enterprises, thereby lowering financing barriers and supporting the expansion of tech finance [5]. Group 3: Scenario-based Financial Innovation - BoCom developed the "Electricity Network Pass" comprehensive financial service plan, addressing the financial needs of the electricity industry chain, and upgraded it to "Electricity Network Pass 2.0" to include services for new energy charging stations [7][8]. - The "Yun Dian Quick Loan" was created to assess corporate vitality based on electricity consumption patterns, offering credit support to high-quality electricity-using enterprises [8]. Group 4: Digital Tools and Efficiency Enhancement - The "Yun Tong Account Management" payment settlement solution was launched to address common pain points in corporate finance, providing flexible account and payment functionalities to enhance efficiency and security [10]. - BoCom aims to integrate financial technology into various operational aspects of enterprises, fostering a future-oriented digital financial ecosystem [10]. Group 5: Future Directions - BoCom plans to continue the "Yun Tong Wanli Xing" series of activities, focusing on resource allocation and financial integration to support regional high-quality development and modernization efforts in China [11].

国有大行资本补充迎来重要进展。近日，中国银行、建设银行和交通银行陆续发布变更注册资本事项获 得国家金融监督管理总局批复同意的公告。根据公告，三家银行注册资本分别增加278.25亿元人民币、 115.89元人民币和141.01亿元人民币。分析称，增加注册资本将提升大行服务实体经济能力，夯实抵御 风险的屏障。 三家国有行增加注册资本获批 12月4日，中国银行发布公告称，该行近日收到批复，国家金融监督管理总局同意该行注册资本增加 278.25亿元人民币，由2943.88亿元人民币变更为3222.12亿元人民币。 12月9日，建设银行发布公告称，该行收到批复，国家金融监督管理总局同意该行注册资本增加115.89 亿元人民币，由2500.11亿元人民币变更为2616.00亿元人民币。 2025年3月5日，国务院总理李强在政府工作报告中提出，拟发行特别国债5000亿元，支持国有大型商业 银行补充资本。 随后，中国银行、建设银行、交通银行、邮储银行均于3月30日发布公告，拟通过向特定对象发行A股 股票的形式，募集资金合计5200亿元，用于补充核心一级资本。其中，建设银行、中国银行的发行对象 均为财政部；交通银行的发行对象为 ...

Core Viewpoint - The credit card market is undergoing significant adjustments, with many banks, especially smaller ones, halting the issuance of co-branded credit cards due to rising costs and risks associated with these products [1][5][6]. Group 1: Market Trends - The trend of halting credit card issuance is not isolated, as it has become a common practice among both national and regional banks throughout the year [1][6]. - Major banks, including China Construction Bank and Postal Savings Bank, have collectively stopped issuing over 100 credit card products since the beginning of 2025, with co-branded cards being a significant portion of these [6][11]. - The total number of credit cards in circulation has decreased by 100 million over the past three years, indicating a shift away from the previous era of aggressive expansion [10][11]. Group 2: Bank Strategies - Banks are transitioning from a focus on quantity to quality in their credit card offerings, prompted by regulatory changes and market dynamics [11][12]. - The recent adjustments include the closure of credit card centers and the integration of credit card functionalities into main banking apps, reflecting a strategic shift towards efficiency and cost reduction [14][15]. - The halting of co-branded cards is seen as a necessary step for banks to concentrate resources on more viable products and improve operational efficiency [8][9]. Group 3: Future Directions - The future of credit card business is expected to focus on three main transformation directions: integrating various service scenarios, upgrading technology for better digital experiences, and deepening customer segmentation to enhance value creation [16].

Core Insights - The article highlights the top-performing stocks in the S&P China A-Share Dividend Opportunity Index (CSPSADRP) as of December 12, 2025, showcasing significant daily and year-to-date gains along with dividend yields [1][4]. Group 1: Top Performers - The top stock, Jiufeng Energy (605090.SH), recorded a daily increase of 3.12% and a year-to-date increase of 25.95%, with a dividend yield of 3.43% [1][4]. - Furi Shares (002083.SZ) achieved a daily rise of 3.00% and an impressive year-to-date increase of 131.27%, with a dividend yield of 1.35% [1][4]. - Aotewei (688516.SH) saw a daily gain of 2.67% and a year-to-date increase of 3.38%, with a dividend yield of 5.11% [1][4]. Group 2: Notable Trends - The data indicates that several stocks, such as Yuyuan Group (601686.SH) and Agricultural Bank of China (601288.SH), have shown consistent performance with year-to-date increases of 26.26% and 55.18%, respectively [1][4]. - Stocks like Gree Electric (000651.SZ) and China Petroleum (601857.SH) have experienced fluctuations, with year-to-date changes of -4.59% and 14.06%, respectively, indicating varying market conditions [1][4]. - The overall performance of the index reflects a mix of high-growth stocks and those facing challenges, suggesting a diverse investment landscape within the Chinese A-share market [1][4].

Core Viewpoint - The article emphasizes the significant role of artificial intelligence (AI) in the digital transformation of the banking industry, particularly highlighting the efforts of Bank of Communications (BoCom) in leveraging technology for high-quality development [1]. Group 1: Digital Transformation Strategy - BoCom has positioned digital transformation as a crucial breakthrough for achieving high-quality development, with a focus on enhancing technological leadership and value creation [1]. - The bank has implemented a comprehensive digital financial development plan and an "AI+" action plan, reflecting its commitment to building a robust digital foundation [2]. - Over the past three years, BoCom's technology investment has consistently accounted for over 5% of its operating income, with its fintech talent pool growing from approximately 4,000 to nearly 10,000, representing nearly 10% of the workforce [2]. Group 2: AI Core Capability Development - BoCom is accelerating the construction of a "super brain" through its "AI+" strategy, establishing a framework that includes a trillion-level financial model algorithm matrix [3]. - This "intelligent hub" has developed hundreds of application scenarios and digital employees across various fields, transforming human labor into value creation [3]. Group 3: Data Utilization and Innovation - The bank has built an enterprise-level data service system that connects with national platforms and local data institutions, facilitating the flow and application of data for decision-making [4]. - BoCom has pioneered a data asset financing platform in Shenzhen, successfully implementing a project that capitalizes on data knowledge rights, which won the first prize at the 2024 Web3.0 Innovation Competition [4]. Group 4: Business Empowerment through Technology - BoCom is integrating its digital capabilities into core business areas such as technology innovation, cross-border finance, and supply chain services, driving high-quality business development [5]. - The bank's mobile banking platform has over 53 million monthly active users, expanding its service reach [5]. - In the technology finance sector, BoCom has supported over 60,000 tech enterprises with loans, with the balance of technology loans exceeding 1.5 trillion yuan [5][6]. Group 5: Innovative Practices and Recognition - BoCom's Qingdao branch has developed an industrial internet financial service platform that enhances financing efficiency and has received multiple awards for its innovative approach [6]. - The bank's systematic approach to digital finance development is evident from its foundational investments to business empowerment, showcasing its commitment to high-quality growth [6].

本行在完成向特定对象发行14,101,057,578股A股股票后，就变更注册资本事项向国家金融监督管理总局 提出了申请。 近日，本行收到《国家金融监督管理总局关于交通银行变更注册资本的批复》（金复〔2025〕703 号），国家金融监督管理总局同意本行注册资本增加14,101,057,578元人民币，由74,262,726,645元人民 币变更为88,363,784,223元人民币。本行根据批复修订了公司章程相应条款，修订后的《公司章程》全 文请参见上海证券交易所网站（www.sse.com.cn）和本行网站（www.bankcomm.com）。本行随后将办 理注册资本变更登记等相关手续。 特此公告 股票代码：601328 股票简称：交通银行 编号：临2025-076 交通银行股份有限公司 关于变更注册资本的公告 交通银行股份有限公司（以下简称"交通银行"或"本行"）董事会及全体董事保证本公告内容不存在任何 虚假记载、误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 交通银行股份有限公司董事会 2025年12月11日 ...