Core Viewpoint - Under the low interest rate environment, listed banks are increasingly motivated to redeem existing "high-yield" preferred shares to save on interest costs [1] Group 1: Bank Actions - Changsha Bank announced it will redeem 6 billion yuan of its preferred shares "Changyin You 1" on December 25 and terminate its listing [1] - In December alone, five banks, including Changsha Bank, Beijing Bank, Shanghai Bank, Hangzhou Bank, and Nanjing Bank, have announced the redemption of preferred shares, totaling 45.8 billion yuan [1] - Including previous redemptions by Industrial and Commercial Bank of China, Bank of China, Industrial Bank, and Ningbo Bank, the number of banks redeeming preferred shares since 2025 has increased to nine [1] Group 2: Market Trends - Since 2020, the issuance of new preferred shares by banks has nearly stagnated, indicating a shift in capital management strategies [1] - The accelerated redemption and delisting of existing preferred shares have led to a significant reduction in their outstanding volume [1] - The willingness of commercial banks to redeem preferred shares to optimize their capital structure has been continuously reinforced [1] - Asset management institutions view the scarcity of bank preferred shares as increasingly prominent [1]

Group 1 - The company Zhejiang Huazheng New Materials Co., Ltd. has provided guarantees for its wholly-owned subsidiaries Zhuhai Huazheng New Materials Co., Ltd. and Zhejiang Huaju Composite Materials Co., Ltd. to support their operational development and funding needs [2][9] - The company signed a guarantee contract with Zhuhai Branch of Bank of Communications for a maximum credit amount of 150 million RMB for Zhuhai Huazheng, with a guarantee period extending three years after the main debt's maturity [2][10] - A maximum guarantee amount of 25 million RMB was also provided for Zhejiang Huaju through a contract with Hangzhou Zhong'an Branch of Industrial and Commercial Bank of China, with a similar three-year guarantee period [2][11] Group 2 - The company's board of directors approved the provision of guarantees for subsidiaries at meetings held on March 17, 2025, and April 10, 2025, with a total maximum guarantee amount of 4.5 billion RMB [3][4] - The approved guarantee limits include 1.8 billion RMB for Zhuhai Huazheng and 455 million RMB for Zhejiang Huaju, with the authorization period lasting until the next annual shareholders' meeting [3][4] - The company has a total external guarantee amount of 3.798 billion RMB, which is 260.98% of the audited net assets for 2024, with no overdue guarantees reported [13]

山东省烟台市公安局高新技术产业开发区分局在侦办"117"开设赌场案时，依法查明招商银行 6214836558334666等6个银行账户并非户主本人使用，账户内的资金与户主无关。请上述银行账户的实 际使用人或者账户内资金的实际所有人自公告之日起六个月内持有效身份证件及证明材料到山东省烟台 市公安局高新技术产业开发区分局配合调查，确实与案件无关的，依法予以发还，逾期无人认领的，公 安机关将依法上缴国库。联系人：宋警官，联系电话：0535-6922721。特此公告。 附：《银行账户明 细》 烟台市公安局高新技术产业开发区分局 2025年12月23日 银行名称及账号如下： 招商银行： 6214836558334666；民生银行：6226220635367260；农业银行：6228480086518059174、 6228430339414336373；工商银行：6212261909002724889；中国银行：6217850500025909387。 转自：法治日报 （来源：法治日报） ...

证券时报记者谢忠翔 低利率环境下，上市银行赎回存量"高息"优先股以节省付息成本的动力愈发增强。近日，长沙银行公告 称，将于12月25日赎回60亿元优先股"长银优1"，并终止挂牌。 证券时报记者注意到，12月以来，包括长沙银行在内，已有北京银行、上海银行、杭州银行和南京银行 等5家银行先后宣布对旗下优先股进行赎回，合计规模达458亿元。若加上此前的工商银行、中国银行、 兴业银行和宁波银行，2025年以来赎回优先股的银行数量已增加至9家。 多位研究人士表示，优先股作为银行资本工具，自2020年以后银行对其新发已几乎停滞。同时，伴随着 存量银行优先股的加速赎回并退市，存量规模愈发减少。近年来，商业银行为优化资本结构，赎回优先 股的意愿更是不断强化。在资管机构看来，银行优先股的配置稀缺性也进一步凸显。 9家银行年内赎回超1000亿 12月19日，长沙银行公告显示，该行于2019年12月非公开发行的60亿元优先股"长银优1"，将于2025年 12月25日派发优先股息后全部赎回，并终止挂牌。 据证券时报记者统计，今年以来已有2家国有大行、1家股份行和6家城商行对优先股进行赎回，包括境 内优先股7期共1118亿元、2期境外 ...

Core Viewpoint - The People's Bank of China (PBOC) has announced a one-time credit repair policy effective from January 1, 2026, aimed at helping individuals restore their credit status by removing certain overdue records under specific conditions [1][2][3]. Group 1: Policy Details - The policy applies to overdue amounts not exceeding 10,000 RMB for the period from January 1, 2020, to December 31, 2025, and does not require an application process [1][3]. - Individuals who repay their overdue debts in full by March 31, 2026, will have their overdue records removed from the credit report [3][4]. - The policy includes measures such as "no application required," a three-month grace period for repayments, and two additional free credit report queries for individuals [4][10]. Group 2: Expected Impact - The policy is expected to provide individuals with a chance to correct past credit mistakes, thereby improving their credit status and stimulating economic activity [2][5]. - Financial institutions will benefit from more accurate assessments of individual credit statuses, enhancing the quality of inclusive financial services [2][7]. - The policy aims to reinforce the importance of creditworthiness in future economic activities, promoting a culture of trust and accountability [2][8]. Group 3: Market Reactions and Concerns - The introduction of the policy has sparked discussions about its implications, with clarifications that it is not a "credit wash" and that full repayment of debts is a prerequisite for benefiting from the policy [9][10]. - Experts emphasize that the policy encourages debt repayment, which could improve banks' asset quality and expand the customer base for financial institutions [8][9]. - The PBOC has warned against fraudulent practices related to the policy, urging the public to remain vigilant against scams [10].

Core Viewpoint - The article highlights the proactive measures taken by the Industrial and Commercial Bank of China Jiangsu Branch to protect elderly clients from financial fraud, showcasing their commitment to safeguarding public assets through effective risk management and collaboration with law enforcement [1][3][12]. Group 1: Fraud Prevention Initiatives - The bank has established a robust fraud prevention network, emphasizing the importance of frontline staff in identifying and responding to suspicious activities [2][3]. - In September, a successful intervention by the Suzhou branch prevented a fraud attempt involving 1.4 million yuan, demonstrating the effectiveness of police collaboration [3]. - The bank's staff displayed patience and professionalism in handling distressed clients, as seen in a case where a client attempted to transfer 1 million yuan to a suspicious account [4]. Group 2: Tailored Services for Vulnerable Groups - The Jiangsu branch has developed specialized services for elderly clients, including educational initiatives like the "Elderly Anti-Fraud Handbook" to raise awareness about potential scams [5]. - During the Double Ninth Festival, the bank organized activities to engage elderly clients, reinforcing their commitment to protecting client assets [5]. Group 3: Cross-Border Fraud Prevention - The bank has extended its fraud prevention efforts to cross-border transactions, addressing the rising threat of international telecom fraud [6][8]. - A notable case involved the recovery of 630,000 euros for a client after a swift response to a cross-border fraud incident, highlighting the bank's effective emergency mechanisms [6]. - The bank emphasizes the need for vigilance in cross-border payments and is actively working to enhance risk management in this area [8]. Group 4: Systematic Approach to Fraud Management - The Jiangsu branch has implemented a comprehensive "Anti-Fraud Model" that integrates various stakeholders, including law enforcement and regulatory bodies, to combat telecom fraud and cross-border gambling [10]. - The bank has developed a proactive mechanism for identifying and managing suspicious transactions at the counter, ensuring timely reporting and intervention [10][11]. - Continuous training and awareness programs are in place to equip staff with the necessary skills to detect and prevent fraud effectively [11]. Group 5: Commitment to Financial Security - The bank reiterates its dedication to protecting the financial interests of the public, viewing fraud prevention as an ongoing battle that requires collaboration with various sectors [12].

坚定深化"四贷联动"服务模式 工行苏州分行坚持"金融为民"，以满足小微企业需求为服务宗旨，做好首贷、信用贷、无还本续贷、转 贷"四贷联动"，深化支付结算、经营流水、知识产权等大数据应用，完善行内信用评价模型，构建大数 据模型科学测算授信额度，推动风险控制前移，为广大小微企业提供预授信。创新推出挖机e贷、国网 电力贷、太仓农贸贷、科创企业贷等产品，降低小微企业融资对抵押担保的过度依赖，显著扩大服务覆 盖面。今年以来，该行服务小微企业首贷户近1500户，较上年同期多增350余户。信用贷款发放金额和 户数显著增长，截至2025年11月末，该行小微企业信用贷款余额超350亿元，较年初增长超100亿元，增 幅达40%。 坚定秉持"政策+服务"双轮驱动 转自：新华财经 近年来，苏州市延续"工业立市"传统，着力打造1030现代产业体系，通过智转数改网联和绿色发展，推 动制造业向高端化、智能化、绿色化转型，赋能新质生产力发展。 在此进程中，工商银行苏州分行始终秉持金融服务实体经济的宗旨，以金融为笔墨，提升服务能力，做 到"五个坚定"，重点加大民营企业、制造业等领域信贷支持，当好服务实体经济主力军，为民营企业稳 健发展注入信心 ...

Core Viewpoint - The banking sector is tightening regulations on personal precious metals trading, with multiple banks enhancing management of their agency services for the Shanghai Gold Exchange since December 2023 [1][3]. Group 1: Recent Bank Announcements - Industrial and Commercial Bank of China (ICBC) announced that starting December 19, it will transfer the balances of margin accounts with no positions, inventory, or debts to the clients' settlement accounts and close related business functions [1]. - China Construction Bank (CCB) stated that from December 15, it will also transfer similar account balances and automatically close related business functions [1]. - Other banks, including Agricultural Bank of China, Postal Savings Bank, Everbright Bank, Citic Bank, and Ningbo Bank, have made similar announcements regarding the management of personal precious metals trading [3]. Group 2: Business Adjustments and Historical Context - The adjustments primarily target existing accounts, with banks having previously restricted new account openings and other operational changes since 2022 [4]. - The adjustments are seen as a continuation of a trend that began in July 2022, where major banks halted new account openings for leveraged derivative products related to precious metals trading [4]. - The recent changes are also linked to significant fluctuations in precious metal prices, with gold prices rising by 60% and silver prices increasing by over 120% this year [4]. Group 3: Market Implications and Investor Guidance - The adjustments aim to encourage investors to recognize the risks associated with market volatility and to shift from short-term speculation to long-term investment strategies [5]. - Banks have raised the thresholds for accumulating gold and issued market risk warnings, advising investors to enhance their risk awareness and manage their positions prudently [5].

Core Viewpoint - The article highlights the increasing trend of strict financial regulation in China, with multiple banks facing significant penalties for various violations of financial management regulations [1][2][3]. Group 1: Regulatory Actions - The Agricultural Development Bank of China, Hebei Branch, was fined 1.46 million yuan for violating financial statistical management regulations [1]. - Industrial and Commercial Bank of China (ICBC) was penalized with a total fine of approximately 40.6 million yuan for 10 violations, including breaches of financial statistics and account management regulations [2]. - Bank of Communications was fined around 67.83 million yuan for 11 violations, including account management and customer identity verification failures [3]. - Shanghai Pudong Development Bank was fined 15.6 million yuan for mismanagement in wealth management and sales activities [3]. Group 2: Specific Violations - ICBC's violations included failing to comply with financial statistics, account management, and customer identity verification regulations, among others [2]. - Bank of Communications faced penalties for similar issues, including improper account management and failure to report large or suspicious transactions [3]. - The regulatory actions against these banks reflect a broader trend of tightening financial oversight in China, aimed at enhancing compliance and risk awareness within financial institutions [1][3]. Group 3: Individual Accountability - A total of 17 individuals from ICBC were penalized, with fines ranging from 7.1 thousand to 130 thousand yuan for their respective roles in the violations [2]. - 13 individuals from Bank of Communications were also penalized, with fines of 10 thousand yuan each for various infractions [3]. - The regulatory body has taken steps to hold individual employees accountable, indicating a shift towards personal responsibility in compliance failures [4].

12月22日，中国人民银行发布关于实施一次性信用修复政策有关安排的通知，通知指出对于2020年1月1 日至2025年12月31日期间，单笔金额不超过10000元人民币的个人逾期信息，个人于2026年3月31日 （含）前足额偿还逾期债务的，金融信用信息基础数据库将不予展示。 北京商报讯（记者 宋亦桐）12月22日，中国人民银行举行新闻发布会介绍一次性信用修复政策有关情 况，工商银行副行长赵桂德指出，为配合做好一次性信用修复政策的落地工作，工商银行已经开展了相 关准备。 赵桂德介绍，一是组织对全行网上银行、手机银行和网点智能设备的信用报告查询功能进行全面"体 检"，确保查询功能正常，能够及时响应客户查询本人信用报告的需求。二是加强工商银行征信数据报 送管理，将客户还款信息及时、准确、完整地提供给征信系统，确保符合条件的客户能享受政策利好。 三是关注政策实施后客户风险表现，持续做好信用评分模型及相关指标有效性的监测，及时动态完善风 控模型，优化风控策略。四是做好对客政策宣传、释疑，提升客户防骗意识，远离非法代理黑灰产，保 护自身信息安全和财产安全。 ...