国有大行集体公告 日前，中国银行、工商银行、农业银行、建设银行和交通银行均公告宣布，其公司章程修订已获得国家金 融监督管理总局核准，并据此正式不再设立监事会，转由董事会下设的审计委员会承接原属监事会的法定 职责。 9月25日，中国银行、农业银行、工商银行、建设银行、交通银行均发布关于不再设立监事会的公告 称，公司章程修订已获监管核准，不再设立监事会。 日前，邮储银行发布关于召开2025年第二次临时股东大会的通知显示，将于10月9日上午召开的股东大会 上审议关于该行不再设立监事会的议案。 这意味着，六大国有行全部取消监事会。 具体来看，各家银行的改革步骤高度一致。中国银行、工商银行、农业银行、建设银行和交通银行均于 2025年6月27日召开的2024年度股东大会上，审议批准了关于修订公司章程以及不再设立监事会的相关 议案。各家银行表示，陆续于近日收到了国家金融监督管理总局同意章程修订的批复文件。 随着新章程获得监管核准，相关调整正式生效。中国银行、农业银行在章程核准之日起即不再设立监事 会；建设银行和交通银行则明确了具体的生效日期，分别为2025年9月23日和9月25日。改革的核心内容 是，原由监事会行使的、依 ...

Core Insights - The article highlights the importance of county-level economies as key areas for expanding domestic demand and promoting consumption, particularly through the "Hundred Counties, Ten Thousand Stores for People's Livelihood" initiative launched by Bank of Communications credit cards [2][3]. Group 1: Consumer Engagement and Benefits - The "Hundred Counties, Ten Thousand Stores for People's Livelihood" initiative focuses on enhancing consumer experience by offering diverse benefits, including discounts and special offers in various sectors such as dining, supermarkets, and home appliances [3][6]. - The initiative aims to activate consumer potential by providing substantial discounts and flexible payment options, such as "installment discounts + interest subsidies," particularly for large purchases [3][6]. - New users are incentivized with exclusive benefits, including immediate discounts and purchase coupons, which lower the barriers for trying new financial services [3][6]. Group 2: Cultural and Economic Integration - The initiative also promotes the integration of local cultural heritage and consumption, exemplified by the collaboration with local businesses like the "Chicken Feather Exchange for Sugar" in Yiwu, enhancing the cultural vibrancy of county economies [4][6]. - The program supports the revitalization of traditional businesses, contributing to the economic dynamism of counties by merging cultural elements with modern consumption [4][6]. Group 3: Financial Services Expansion - The initiative extends the bank's financial services by integrating various retail banking products, including debit cards and social security cards, to provide comprehensive financial solutions [6][7]. - The program addresses the "last mile" challenge in financial services, ensuring that credit cards serve as a vital link between the bank and the community, facilitating efficient access to financial services [7]. - The focus on consumer education and protection enhances financial literacy and security awareness among county residents, promoting a dual effect of benefits and consumer rights [6][7]. Group 4: Economic Impact and Responsibility - The article emphasizes the role of the initiative in stimulating county-level consumption and enhancing the overall economic vitality, aligning with national goals for economic circulation [7]. - The collaboration among various stakeholders, including local governments and businesses, creates a synergistic effect that fosters a thriving commercial ecosystem in counties [7].

Core Viewpoint - The five major state-owned banks in China, including the Bank of Communications, have announced the approval of amendments to their articles of association, which will eliminate the supervisory board and transfer its responsibilities to the audit committee of the board of directors [1] Group 1: Corporate Governance Changes - Starting from September 25, 2025, the Bank of Communications will no longer have a supervisory board, with its functions being taken over by the audit committee [1] - Current supervisors will no longer hold their positions, and the audit committee will consist of members with financial expertise [1] Group 2: Personnel Changes - In September, the Bank of Communications approved the appointments of seven vice presidents for provincial branches, all promoted from within the system, with several moving to central and western regions [1][2] - Specific appointments include Chen Xing as vice president of the Qinghai branch, Li Xiaoming for the Jiangsu branch, and Fan Daohu for the Ningxia branch, among others [1][2][3] Group 3: Employee Distribution and Financials - As of June 30, 2025, the Bank of Communications had 38 provincial and direct branches, totaling 2,886 branches, an increase of 2 from the previous year [3] - The total number of employees in the group was 95,267, with 88,935 in domestic banks and 2,585 in overseas local institutions [3] - The proportion of employees in the Yangtze River Delta region decreased to 27.91% from 29.94% year-on-year [3] Group 4: Financial Performance - In the first half of 2025, the Bank of Communications reported business and management expenses of 39.933 billion yuan, a year-on-year increase of 0.79% [3] - Employee costs amounted to 15.592 billion yuan, reflecting a year-on-year increase of 2.16 billion yuan [3] - The average cost per employee for the first half of 2025 was approximately 163,700 yuan [3] Group 5: Compensation Structure - The total compensation and benefits for key management personnel in the first half of 2025 was 9 million yuan, a decrease of 1 million yuan or 10% year-on-year [5] - The bank continues to refine its compensation system based on strategic goals, emphasizing performance and accountability [5]

Core Viewpoint - The six major state-owned banks in China have collectively announced the abolition of their supervisory boards, transitioning the responsibilities to the audit committees under the board of directors, which is seen as a move to enhance governance efficiency and effectiveness [3][4][6]. Group 1: Announcement of Abolishment - On September 25, major banks including Bank of China, Agricultural Bank of China, Industrial and Commercial Bank of China, China Construction Bank, and Bank of Communications announced that they will no longer establish supervisory boards following regulatory approval for their articles of association [1][4]. - Postal Savings Bank is set to discuss a similar proposal at its upcoming shareholder meeting on October 9, indicating a trend among banks to eliminate supervisory boards [2][6]. Group 2: Implementation Details - The reform steps taken by the banks are consistent, with all five major banks approving the abolishment of supervisory boards during their 2024 annual shareholder meetings held on June 27, 2025 [4]. - The new governance structure will take effect immediately for Bank of China and Agricultural Bank, while China Construction Bank and Bank of Communications will implement it on September 23 and September 25, 2025, respectively [4]. Group 3: Personnel Changes - With the abolishment of the supervisory boards, the positions of existing supervisors will be terminated, including notable figures from each bank [5]. - The announcement from ICBC also indicated updates to various governance documents, including the abolishment of the supervisory meeting rules [5]. Group 4: Broader Industry Trends - Analysts suggest that the simultaneous cancellation of supervisory boards by major banks aligns with modern corporate governance trends, aiming to enhance decision-making efficiency and strengthen board accountability [6]. - Other banks, including China Merchants Bank and Huaxia Bank, have also moved to abolish their supervisory boards, indicating a wider industry shift [7]. Group 5: Regulatory Context - The new provisions in the Company Law, effective from July 2024, allow companies to establish audit committees within the board of directors to perform the functions of supervisory boards, reflecting a regulatory shift towards more flexible governance structures [8]. - The China Banking and Insurance Regulatory Commission has stated that these changes will help financial institutions create governance frameworks that suit their specific needs, reduce management costs, and enhance operational flexibility [8].

2025.09. 26 本文字数：563，阅读时长大约1分钟 来源 | 央视财经 微信编辑 | 格蕾丝 第 一 财 经 持 续 追 踪 财 经 热 点 。 若 您 掌 握 公 司 动 态 、 行 业 趋 势 、 金 融 事 件 等 有 价 值 的 线 索 ， 欢 迎 提 供 。 专 用 邮 箱 ： bianjibu@yicai.com （注：我们会对线索进行核实。您的隐私将严格保密。） 推荐阅读 捷豹路虎3.3万名员工被告知"停工停产" 9月25日晚间， 工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行发布公告，宣布 不再设立监事会 。 公告显示，工商银行、农业银行、中国银行、建设银行、交通银行五家国有大行于近日收到国家金融 监督管理总局的有关批复，核准修订后的公司章程，银行监事会及监事依法撤销。银行表示，相关人 员不再担任该行监事，已确认与银行无不同意见，亦无任何其他相关事项需要通知银行股东及债权 人。邮储银行同日发布的《2025年第二次临时股东大会会议资料》也表示，该行拟不再设立监事会 及下设专门委员会。 据悉，监事会是股份公司的监督机构，主要负责监督检查公司的财务会计活动、管理人员执行职务时 ...

| 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 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601288 农业银行 | | 2.00亿 | 7.58% | -1.74亿 | -6.60% | -2580.26万 | -0.98% | | 601398 工商银行 | | 8962.28万 | 4.45% | -1.48亿 | -7.34% | 5826.47万 | 2.89% | | 601328 交通银行 | | 2646.71万 | 3.20% | -6353.29万 | -7.68% | - 3706.58万 | 4.48% | | 601658 邮储银行 | | 2153.66万 | 3.93% | -552.23万 | -1.01% | -1601.43万 | -2.92% | | 601939 建设银行 | | 294.89万 | 0.44% | -190.64万 | -0.28% | -104.25万 | -0.15% | | 601988 中国 ...

每经记者|张寿林 每经编辑|陈旭 9月25日晚，工商银行、农业银行、建设银行、中国银行和交通银行集体发布公告，近日收到监管相关 核准批复，自核准之日起，不再设立监事会。 《每日经济新闻》记者注意到，新修订的公司法于2024年7月1日正式实施，对监事会、职工董事设置等 方面提出新的要求。有限责任公司可在董事会中设置由董事组成的审计委员会，行使监事会职权，不设 监事会或者监事。 五大行撤销监事会已获监管核准 9月25日晚，工商银行披露，中国工商银行股份有限公司于2025年6月27日召开的2024年度股东年会审议 批准了《关于审议<中国工商银行股份有限公司章程（2025年版）>及撤销监事会相关事项的议案》。 近日收到《国家金融监督管理总局关于工商银行修改公司章程的批复》（金复〔2025〕564号）。国家 金融监督管理总局已核准该行修订后的公司章程。 同日，建设银行披露，该行2025年6月27日召开的2024年度股东大会审议批准了《关于不再设立监事会 的议案》和《关于修订<中国建设银行股份有限公司章程>的议案》。近日，国家金融监督管理总局已 核准修订后的公司章程。该行自2025年9月23日起，按照公司章程规定，不再设 ...

Core Viewpoint - The six major banks in China have decided to abolish their supervisory boards, opting for their audit committees to assume the supervisory functions, which is seen as a move to enhance corporate governance efficiency and reduce governance costs [1][2]. Group 1: Announcement Details - On September 25, the Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, and Bank of Communications announced they would no longer establish supervisory boards [1]. - These banks indicated that the decision was approved at the 2024 annual shareholders' meeting held on June 27, 2025, and they have received approval from the National Financial Regulatory Administration for the amendments to their articles of association [1]. - The current supervisors will no longer hold their positions, and the audit committee of the board will take over the responsibilities previously held by the supervisory board [1]. Group 2: Industry Implications - Experts suggest that the functions of the supervisory board overlap with those of the board of directors, particularly the audit committee, which can lead to reduced governance costs and increased flexibility in corporate governance [2]. - The recent revision of the Company Law allows companies to establish audit committees composed of directors to exercise the powers of the supervisory board, which supports the decision to eliminate supervisory boards [2]. - Other banks, including several nationwide joint-stock banks and local commercial banks, have also announced plans to abolish their supervisory boards, indicating a broader trend in the banking industry [2].

Core Points - Major Chinese banks, including Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, and Bank of Communications, have announced the approval of amendments to their articles of association, eliminating the supervisory board [2] - The trend of abolishing supervisory boards is also seen in city commercial banks, with Qilu Bank recently voting to no longer establish a supervisory board [2] - Over 20 of the 42 listed banks have either announced the cancellation or are in the process of abolishing their supervisory boards, including several joint-stock banks and local banks [2] - The removal of supervisory boards is driven by the new Company Law effective from July 1, 2024, allowing companies to set up an audit committee within the board of directors to exercise the powers of the supervisory board [2] - The China Securities Regulatory Commission has indicated that listed companies must establish an audit committee by January 1, 2026, to replace the supervisory board [3] - The industry believes that replacing supervisory boards with audit committees will enhance corporate governance efficiency and reduce operational costs, while ensuring independence and professionalism in supervision [3]

Core Viewpoint - The article highlights the issues faced by credit card holders regarding high interest rates and unclear fee structures imposed by banks, leading to significant financial burdens for consumers [3][4][14]. Group 1: Consumer Experiences - A consumer named He Lin experienced unexpected interest charges despite repaying a significant portion of her credit card debt, leading to a refund agreement with the bank contingent on future payments [3][4]. - Another consumer, Jiang Hua, reported accumulating over 36,000 yuan in fees over six years, primarily due to interest and penalties, indicating a lack of clarity in fee calculations [5][9]. - A third consumer, Xue Jun, faced similar issues with over 20,000 yuan in fees despite never missing a payment, highlighting widespread dissatisfaction among credit card users [11][12]. Group 2: Bank Practices - Most banks, except for a few products from Industrial and Commercial Bank of China, employ a full interest calculation method, which has been a point of contention among consumers [4][25]. - The article notes that banks typically provide a grace period of three days for repayments, but this does not alleviate the burden of interest for those who do not pay the full amount [30][32]. - Banks like China Merchants Bank and Ping An Bank have been criticized for their lack of transparency in fee disclosures, with consumers often unaware of the interest calculations until they review their statements [9][10][13]. Group 3: Regulatory and Industry Insights - The article discusses the ongoing debate about the fairness of full interest calculations, with some experts arguing that it deviates from actual costs of capital and may constitute unfair contractual terms [26][27]. - Regulatory bodies have previously indicated that banks must justify their interest rates and fees in relation to the actual losses incurred, aiming to protect consumer rights [27][28]. - There is a call for improved transparency and standardization in fee disclosures, with suggestions for banks to enhance communication regarding interest calculations and potential fees [35][38].