这也就意味着，在走完必要的程序后，唐朔或将出任建行副行长一职。 记者丨周炎炎 杨希 编辑丨方海平 21世纪经济报道记者独家获悉，建设银行刚刚新增一位党委委员唐朔，12月4日下午这一任命在行内宣布。 值得注意的是，交通银行今年8月刚刚将时任北京分行行长的唐朔提拔为业务总监（公司与机构业务），仅仅三个月，唐朔就被 跨行提拔至建行，并进入党委班子。 唐朔今年47岁，待任职资格落定后，他或将成为六家国有大行中最为年轻的一位副行长。 目前建行的领导班子成员为：党委书记、董事长张金良；副董事长、行长张毅；副行长纪志宏（兼董秘）、李建江、韩静、雷 鸣；首席财务官生柳荣。 此前唐朔担任交行对公业务总监之时，该职务已经空缺8个月，前任是已经赴任农行副行长的王文进。 交通银行（601328.SH）发布公告称，公司第十届董事会第二十四次会议于8月29日召开，会议通过了《关于聘任唐朔先生为业 务总监（公司与机构业务）的决议》。 唐朔是在交行系统内成长并不断提拔的。唐朔2001年毕业于西安交通大学，获法学学士学位，后在2018年于北京交通大学获工 程硕士学位。 他的职业生涯也是从交行起步的，既在交行北京市分行、广东省分行、江西省分行等 ...

记者丨 周炎炎 杨希 21世纪经济报道记者独家获悉，建设银行刚刚新增一位党委委员唐朔，12月4日下午这一任命 在行内宣布。 这也就意味着， 在走完必要的程序后，唐朔或将出任建行副行长一职。 值得注意的是，交通银行 今年8月刚刚将时任北京分行行长的唐朔提拔为业务总监（公司与机 构业务），仅仅三个月，唐朔就被跨行提拔至建行，并进入党委班子。 唐朔今年47岁，待任职资格落定后， 他或将成为六家国有大行中最为年轻的一位副行长。 目前建行的领导班子成员为：党委书记、董事长张金良；副董事长、行长张毅；副行长纪志宏 （兼董秘）、李建江、韩静、雷鸣；首席财务官生柳荣。 此前唐朔担任交行对公业务总监之时，该职务已经空缺8个月，前任是已经赴任农行副行长的 王文进。 交通银行（601328.SH）发布公告称，公司第十届董事会第二十四次会议于8月29日召开，会 议通过了《关于聘任唐朔先生为业务总监（公司与机构业务）的决议》。 唐朔是在交行系统内成长并不断提拔的。唐朔2001年毕业于西安交通大学，获法学学士学位， 后在2018年于北京交通大学获工程硕士学位。 编辑丨方海平 后来唐朔调任广东省分行行长，并在2023年6月担任北京市分行行 ...

或将成为六家国有大行中最为年轻的一位副行长。 21世纪经济报道记者独家获悉，建设银行（601939）刚刚新增一位党委委员唐朔，12月4日下午这一任 命在行内宣布。 这也就意味着，在走完必要的程序后，唐朔或将出任建行副行长一职。 值得注意的是，交通银行今年8月刚刚将时任北京分行行长的唐朔提拔为业务总监（公司与机构业 务），仅仅三个月，唐朔就被跨行提拔至建行，并进入党委班子。 唐朔今年47岁，待任职资格落定后，他或将成为六家国有大行中最为年轻的一位副行长。 目前建行的领导班子成员为：党委书记、董事长张金良；副董事长、行长张毅；副行长纪志宏（兼董 秘）、李建江、韩静、雷鸣；首席财务官生柳荣。 此前唐朔担任交行对公业务总监之时，该职务已经空缺8个月，前任是已经赴任农行副行长的王文进。 互联互通安排；支持粤港澳三地征信机构开展跨境合作，探索推进征信产品互认等；把握横琴、前海、 南沙三大平台战略机遇，助力大湾区国际金融中心枢纽建设，服务更高水平对外开放。 他的职业生涯也是从交行起步的，既在交行北京市分行、广东省分行、江西省分行等重要分行担任 过"一把手"，也曾经在对公、零售领域均有丰富的经验。 职业生涯初期，他曾担任交行 ...

21世纪经济报道记者独家获悉，建设银行刚刚新增一位党委委员唐朔，12月4日下午这一任命在行内宣 布。 这也就意味着，在走完必要的程序后，唐朔或将出任建行副行长一职。 21世纪经济报道记者 周炎炎 杨希 目前建行的领导班子成员为：党委书记、董事长张金良；副董事长、行长张毅；副行长纪志宏（兼董 秘）、李建江、韩静、雷鸣；首席财务官生柳荣。 此前唐朔担任交行对公业务总监之时，该职务已经空缺8个月，前任是已经赴任农行副行长的王文进。 交通银行（601328.SH）发布公告称，公司第十届董事会第二十四次会议于8月29日召开，会议通过了 《关于聘任唐朔先生为业务总监（公司与机构业务）的决议》。 唐朔是在交行系统内成长并不断提拔的。唐朔2001年毕业于西安交通大学，获法学学士学位，后在2018 年于北京交通大学获工程硕士学位。 2018年，唐朔被调任至交行江西省分行担任行长。2020年在江西任上，他曾表态，交通银行江西省分行 将积极对接"2+6+N"产业行动计划，充分发挥交银集团国际化、综合化优势，持续提供"标准化+特色 化"的"交银产业通"金融服务方案，优先安排信贷规模，保证三年600亿元意向性综合授信额度，有效助 推江 ...

Group 1 - The waste steel recycling and processing industry is experiencing growth opportunities due to the national green low-carbon transition strategy [1] - Liaoning Zhonghong Waste Steel Processing Co., Ltd. received a credit loan of 10 million yuan at a preferential interest rate of 2.6% to address financing difficulties [1] - The company, as a high-tech enterprise, provides tens of thousands of tons of quality recycled raw materials annually to large steel mills, contributing to carbon reduction in the steel industry [1] Group 2 - The loan aligns with the policy directive to develop green finance that supports the realization of ecological product value [2] - The funds will primarily be used for winter waste steel reserves, expected to increase raw material inventory by 20,000 tons and reduce carbon dioxide emissions by approximately 15,000 tons annually [2] - The bank has invested over 5 billion yuan in green circular industries in the province and plans to enhance support for strategic emerging industries and the private economy [2]

Core Viewpoints - The banking sector is expected to return to a fundamental narrative in 2026, supported by policy financial tools and resilient asset expansion, with net interest margins likely stabilizing and improving due to the ongoing deposit repricing cycle [3][9] - The report highlights two main investment lines: high-quality small and medium-sized banks with solid fundamentals and state-owned large banks with good defensive value [3][9] Group 1: Fiscal Policy and Social Financing - In 2026, fiscal policy will remain key to stabilizing demand, with a stable growth rate of social financing expected between 8.3% and 9.0% [9][41] - The fiscal deficit rate is projected to remain at least at the 2025 level, with a focus on stimulating total demand and influencing the growth rate of bank asset expansion [26][41] - The government has introduced a new policy financial tool of 500 billion yuan, which is expected to leverage a total investment scale of approximately 7 trillion yuan, with a significant portion of related loans anticipated to materialize in 2026 [26][41] Group 2: Net Interest Margin Outlook - The net interest margin for banks is expected to stabilize and improve in 2026, primarily driven by a significant reduction in liability costs, with a projected improvement of approximately 30 basis points [9][49] - The scale of deposits entering the repricing cycle in 2026 is estimated at around 112 trillion yuan, contributing approximately 17.5 basis points to the improvement in the cost of interest-bearing liabilities [47][49] - The report anticipates that the overall improvement in the cost of interest-bearing liabilities will be around 30 basis points, with a corresponding effect on net interest margins of approximately 27 basis points [49] Group 3: Non-Interest Income and Asset Quality - Growth in non-interest income is expected to return to normal levels, with a marginal decline in contributions from other non-interest income sources [9][45] - The overall asset quality is projected to remain stable, with a focus on the risks associated with individual loans and real estate loans, which are expected to be manageable [9][45] - The report indicates that corporate asset quality continues to improve, while risks in the real estate sector are expected to be controllable [9][45] Group 4: Capital and Refinancing Outlook - The capital adequacy ratios of commercial banks are expected to remain stable, with a slight decline due to fluctuations in bond market interest rates [9][45] - The successful capital injection into four major state-owned banks is anticipated to enhance their ability to manage risks and support credit issuance [9][45] - The report notes that the path for capital replenishment through external channels remains relatively blocked, particularly for small and medium-sized banks [9][45]

Core Insights - The credit card market in China is undergoing a significant contraction, with a reduction of 100 million cards over three years, reflecting a decline in consumer confidence and increased preventive savings [1][2] - As of the end of Q3 2023, the total number of credit cards and loan cards in circulation is 707 million, down from a peak of 807 million in June 2022, marking a continuous decline for 12 consecutive quarters [1] - The rise in credit card non-performing loan (NPL) rates to 2.40% as of mid-2023 indicates increasing asset quality pressures on banks, leading to a strategic shift in credit card issuance [1] Industry Trends - The ongoing reduction in credit card numbers is not a short-term fluctuation but a structural adjustment driven by stringent regulatory policies and insufficient consumer demand [1] - Banks are adopting differentiated strategies in card issuance, with some institutions like Postal Savings Bank and Bank of Communications reducing their card inventories, while others like China Merchants Bank and CITIC Bank are increasing their card issuance through targeted marketing [2] - Deloitte's report suggests a shift in the industry focus from quantity to quality in credit card issuance, indicating a more cautious approach by banks in response to market conditions [2]

Group 1 - The core viewpoint of the news is that Bank of Communications has launched the "Rui Shan" charitable financial service plan to meet the growing demand for "wealth for good" among customers, focusing on various dimensions such as model, scenario, experience, channel, and ecosystem [2] - The "Rui Shan" plan includes three main categories of services: public welfare charitable trusts, asset service trusts, and asset management products, totaling nine service models that cover six public welfare directions including rural revitalization, assistance for the disabled, elderly care, education funding, medical aid, and nature conservation [2] - The bank plans to launch a charitable section in its mobile banking app, creating a one-stop platform for information display, project donations, and progress tracking, aiming to expand the "finance + public welfare" cooperation ecosystem [2] Group 2 - Since establishing its first charitable trust in 2019, the bank has set up over 60 charitable trusts, gathering nearly 4,000 caring customers and donating approximately 26 million yuan, with significant growth in charitable trusts since 2025 [2] - The bank has donated a total of 250 million yuan in targeted assistance programs in regions such as Gansu, Shanxi, and Sichuan, and has collaborated with organizations like the China Disabled Persons' Federation to support disabled youth education, contributing 120 million yuan [3] - The bank aims to further expand its charitable service ecosystem and explore new paths for promoting "finance + charity" on a larger and more professional scale, contributing to the concept of common prosperity [3]

交通银行副行长杨涛在大会现场表示，未来将携手广大金融机构加大力度支持上海三大先导产业、六大 重点产业以及未来产业的发展，为各类企业在不同发展的阶段协力构筑全生命周期金融服务体系，切实 保障上海现代化产业体系的建设提速增效。 他指出，新一轮科技革命催生了新业态、新赛道，对金融服务的需求更趋多元。要推动金融行业加速构 建从科技创新相适应的金融服务体系，会同银、政、保、投资各类机构，聚焦各自职能定位发挥功能优 势，齐心协力，助力企业更便捷地获得一揽子金融支持，提升上海的营商环境。 据相关负责人透露，微信小程序"上海金洽会"线上展将持续至2026年9月。线上平台除集中展示最新金 融产品、政策信息外，还将上海普惠金融顾问综合服务平台嵌入小程序，为中小微企业提供持续可得的 在线金融咨询窗口，延伸"金洽会"服务效能。 12月4日，金融一线消息，第十九届上海"金洽会"在闵行大零号湾举办闭幕大会，为期三个月的系列活 动正式收官。 自今年9月开幕以来，本届金洽会在黄浦、静安、奉贤、崇明等10个区共举办十二场"园区行"专场融资 对接活动，通过组织金融服务下沉园区、直达企业，将金融资源精准引向产业发展所需的重点园区，打 造出流动的金 ...

Core Insights - Shandong Port has achieved a cargo throughput of over 1.8 billion tons and container volume exceeding 44 million TEUs, maintaining its position as the world's largest port [1] - The port is transitioning from a focus on quantity to quality, emphasizing "smart" and "green" initiatives to build a world-class intelligent and eco-friendly port [1] Group 1: Energy Transition - Yantai Port has implemented shore power systems, eliminating diesel generator use for over 8,000 vessels, resulting in a reduction of over 10,000 tons of CO2 emissions [2] - Weifang Port in Bohai Bay is the first "zero-carbon port" in China, utilizing a multi-energy supply system including solar, wind, and hydrogen energy, with an annual power generation capacity of 69.15 million kWh [2] - By 2024, clean energy usage at Shandong Port is projected to reach 63%, with a green electricity supply capacity of 200 million kWh [3] Group 2: Technological Empowerment - Automation and technology are enhancing operational efficiency at Shandong Port, with Qingdao Port's automated terminal achieving an average efficiency of 62.62 TEUs per hour, setting a global record [5][6] - The implementation of automated unloading processes at various ports has led to over a 20% increase in efficiency and an 80% reduction in dust pollution [6] Group 3: Financial Support for Green Initiatives - Financial institutions like Bank of Communications are providing significant funding support, with a total credit line of 46 billion yuan to support various port operations and projects [3][6] - The "Port Easy Payment" platform facilitates financing for small and medium enterprises in the supply chain, addressing challenges related to financing costs and access [7][9] Group 4: Sustainable Development Goals - Shandong Port is committed to building a comprehensive service system for the supply chain, transitioning from traditional port operations to a role as a supply chain service organizer [7] - The integration of green supply chain finance is enhancing the environmental standards across the entire supply chain, promoting a sustainable development model [9][10]