Core Viewpoint - The new policy introduced by the central bank is expected to benefit banks by encouraging overdue debtors to repay their debts, improving asset quality, and potentially boosting consumer spending, creating a positive cycle in the economy [1][7]. Group 1: Policy Details - The central bank's new policy allows for a one-time credit repair opportunity for overdue debts not exceeding 10,000 RMB, applicable to debts incurred between January 1, 2020, and December 31, 2025, provided that the debts are fully repaid by March 31, 2026 [3][6]. - The policy applies to various types of loans, including personal business loans, housing loans, consumer loans, and credit cards, regardless of the lending institution [3][6]. Group 2: Impact on Banks - The policy is anticipated to enhance banks' asset quality by incentivizing overdue borrowers to repay their debts, thus accelerating the recovery of non-performing assets [7][8]. - There is a potential increase in credit demand as previously affected borrowers regain access to financial services, which could lead to an uptick in consumer loans, housing loans, and business loans [7][8]. Group 3: Risk Considerations - Concerns have been raised regarding the potential increase in default risk when banks lend to borrowers who have undergone credit repair; however, experts believe the likelihood of significant defaults remains low due to the borrowers' willingness to repay and the nature of their previous defaults [2][8]. - The policy is designed to maintain the integrity of the credit system by allowing credit repair only for minor overdue amounts, thus preserving constraints on larger overdue debts [6][8]. Group 4: Implementation Preparations - Banks are preparing for the policy's implementation by ensuring their systems for credit report inquiries are functioning properly and enhancing the management of credit data reporting [4][5]. - Financial institutions are also focusing on educating customers about the policy and the risks of potential fraud related to credit repair [4][5].

天眼查资料显示，中国工商银行股份有限公司，成立于1985年，位于北京市，是一家以从事货币金融服 务为主的企业。企业注册资本35640625.7089万人民币。通过天眼查大数据分析，中国工商银行股份有 限公司共对外投资了28家企业，参与招投标项目5000次，财产线索方面有商标信息988条，专利信息 5000条，此外企业还拥有行政许可77个。 国家知识产权局信息显示，中国工商银行股份有限公司取得一项名为"基于用户终端的界面渲染方法及 装置、字体调整方法"的专利，授权公告号CN115827126B，申请日期为2022年11月。 声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 来源：市场资讯 ...

时值初冬，云南临沧广袤的蔗田正值榨季筹备关键期。蔗农们满怀丰收的喜悦，却也面临着启动资金周 转的迫切需求。想蔗农之所想，急蔗农之所急，工行临沧分行在12月榨季开启前夕，主动跨区域奔赴临 沧市永德县，将金融服务窗口直接搬到蔗农家门口，高效为3家甘蔗种植大户办理"甘蔗贷"共计360万 元。这笔宝贵的资金如同及时雨，精准"浇灌"于榨季启动前，为蔗农的"致富田"注入了源头活水。 转自：新华财经 普惠下乡解难题，融资不再"难与慢" "工行这笔'甘蔗贷'来得太及时了！就像旱季里的甘露一样。"一位获得贷款的永德县蔗农感慨道，"有了 这笔钱，榨季生产就有坚实的资金保障，心里特别踏实。""甘蔗贷"不仅为蔗农当季的丰收提供了"及时 雨"，更通过持续的金融支持，帮助他们扩大种植规模、改善种植技术，增强了抵御风险和自我发展的 能力，真正将金融服务融入甘蔗产业的根系，滋养着产业的可持续发展。 锦旗映照为民心，深耕乡村担使命 日前，永德县几位受益蔗农代表怀着对丰收的期盼和对工行暖心服务的由衷感激，专程来到工行临沧分 行，将一面饱含深情的锦旗赠予分行。锦旗上"为民赋能为蔗发展，热情服务高效助贷"的金色大字，不 仅是对"甘蔗贷"高效服务最质 ...

Group 1 - The core point of the article is that the Industrial and Commercial Bank of China (ICBC) has obtained a patent for a "screen display method, device, computer-readable storage medium, and electronic equipment," with the authorization announcement number CN115202787B and an application date of July 2022 [1] Group 2 - ICBC was established in 1985 and is located in Beijing, primarily engaged in monetary financial services [1] - The registered capital of ICBC is approximately 35.64 billion RMB [1] - According to data analysis from Tianyancha, ICBC has invested in 28 companies, participated in 5,000 bidding projects, has 988 trademark information entries, and holds 5,000 patent information entries, along with 77 administrative licenses [1]

Group 1 - The central point of the news is the introduction of a one-time credit repair policy by the central bank, aimed at improving credit demand and asset quality for banks by allowing individuals with overdue debts to restore their credit status if they repay by a specified date [1][2][5] - The policy applies to overdue amounts not exceeding 10,000 RMB for loans taken between January 1, 2020, and December 31, 2025, and will be effective from January 1, 2026 [2][5] - The policy is expected to encourage overdue debtors to repay their debts, thereby improving banks' asset quality and potentially stimulating consumer spending [1][6][7] Group 2 - Banks are preparing for the implementation of the new policy by ensuring their credit report query functions are operational and enhancing the management of credit data reporting [3][4] - Financial institutions are advised to maintain a comprehensive approach to credit assessments, considering various factors beyond credit reports, to mitigate risks associated with the new policy [3][4][7] - The policy is designed to support small overdue amounts while maintaining credit constraints on larger overdue debts, ensuring the integrity of the credit system [5][6] Group 3 - The policy is expected to release pent-up financing demand from individuals previously affected by credit issues, leading to increased issuance of personal loans, including consumer loans and mortgages [6][7] - Concerns exist regarding the potential increase in default risk for banks when lending to individuals who have undergone credit repair, although experts believe the likelihood of significant defaults remains low [1][7] - The policy is seen as a strategic move to enhance consumer credit management and stimulate financial support in the consumption sector, aligning with broader economic recovery efforts [7]

证券代码：601398 证券简称：工商银行 公告编号：临 2025-052 号 中国工商银行股份有限公司 董事会决议公告 中国工商银行股份有限公司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。 中国工商银行股份有限公司（简称本行）董事会于 2025 年 12 月 23 日在北 京市西城区复兴门内大街 55 号本行总行召开会议。会议应出席董事 12 名，亲自 出席 11 名，委托出席 1 名，刘珺副董事长因其他公务安排，书面委托廖林董事 长出席会议并代为行使表决权。高级管理层成员列席会议。会议的召开符合法律 法规、《中国工商银行股份有限公司章程》（简称《公司章程》）以及《中国工 商银行股份有限公司董事会议事规则》的规定。 会议由廖林董事长主持召开。出席会议的董事审议通过了以下议案： 一、关于近两年我行绿色金融实施情况的议案 议案表决情况：有效表决票 12 票，同意 12 票，反对 0 票，弃权 0 票。 二、关于审议《合规管理基本规定（2025 年版）》的议案 议案表决情况：有效表决票 12 票，同意 12 票，反对 0 票，弃权 ...

截至发稿，工商银行市值为28227亿元。 每经头条（nbdtoutiao）——地产"优等生"受困20亿元到期债务，首次债务展期仍在博弈，明年还有超 百亿元公开债到期 （记者 王晓波） 每经AI快讯，工商银行（SH 601398，收盘价：7.92元）12月23日晚间发布公告称，公司董事会会议于 2025年12月23日在北京市西城区复兴门内大街55号本行总行召开。会议审议了《关于2024年度监事薪酬 清算方案的议案》等文件。 2025年1至6月份，工商银行的营业收入构成为：利息收入占比84.8%，非利息收入占比9.33%。 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告之內容概不負責，對其準確性或完整性亦不發表 任何聲明，並明確表示，概不就因本公告全部或任何部份內容而產生或因倚賴該等內容而引致之任何損失承擔任 何責任。 一、關於近兩年我行綠色金融實施情況的議案 （於中華人民共和國註冊成立的股份有限公司） 股份代號：1398 董事會決議公告 中國工商銀行股份有限公司（「本行」）董事會於2025年12月23日在北京市西城區復興門 內大街55號本行總行召開會議。會議應出席董事12名，親自出席11名，委託出席1名， 劉珺副董事長因其他公務安排，書面委託廖林董事長出席會議並代為行使表決權。高級 管理層成員列席會議。會議的召開符合法律法規、《中國工商銀行股份有限公司章程》 （「《公司章程》」）以及《中國工商銀行股份有限公司董事會議事規則》的規定。 會議由廖林董事長主持召開。出席會議的董事審議通過了以下議案： 中國工商銀行股份有限公司 INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED 議案表決情況：有效表決票12票，同意12票，反對0票，棄權0票。 二、關於審議《合規管理基本規定（202 ...

Group 1 - The core point of the article is that the Industrial and Commercial Bank of China (ICBC) has obtained a patent for a "document generation method, device, equipment, storage medium, and computer program product," with the authorization announcement number CN115935934B and an application date of December 2022 [1] - ICBC was established in 1985 and is located in Beijing, primarily engaged in monetary financial services [1] - The registered capital of ICBC is approximately 35.64 billion RMB [1] Group 2 - According to Tianyancha data analysis, ICBC has invested in 28 enterprises and participated in 5,000 bidding projects [1] - The bank has 988 trademark information entries and 5,000 patent information entries, along with 77 administrative licenses [1]

Group 1 - The core point of the article is that the Industrial and Commercial Bank of China (ICBC) has obtained a patent for a technology related to smart cards and wireless communication methods, indicating its focus on innovation in financial technology [1] - The patent, titled "Smart Card, Wireless Communication Method, Device and System Based on Smart Card," was granted with the announcement number CN116743200B and was applied for on May 2023 [1] - ICBC, established in 1985 and headquartered in Beijing, primarily engages in monetary financial services and has a registered capital of approximately 35.64 billion RMB [1] Group 2 - According to data from Tianyancha, ICBC has made investments in 28 companies and has participated in 5,000 bidding projects [1] - The bank holds a significant amount of intellectual property, with 988 trademark registrations and 5,000 patent filings [1] - Additionally, ICBC has obtained 77 administrative licenses, showcasing its extensive operational capabilities [1]