今年以来，中国银行业掀起了一场深刻的公司治理架构调整浪潮。 12月16日，邮储银行发布公告，近日收到金监总局相关批复，该行自公司章程修订获核准生 效之日起，不再设立监事会，由董事会审计委员会依法行使监事会相关职权，监事会相关制 度同时废止。在此之前，工商银行、农业银行、中国银行、建设银行及交通银行五家国有大 行均已完成相关工作。除了国有大行，近期另有多家商业银行已完成或正在推进监事会撤销 工作，包括华夏银行、浙商银行、渝农商行、北京银行、宁波银行、南京银行等。 从国有大行到股份行，再到城、农商行，随着愈来愈多的商业银行加入，运行近30年的监事 会制度正逐步淡出银行业公司治理舞台。那么，当监事会正式退出后，谁来继续承担监督职 能？原监事会成员又将如何安置？ 邮储银行不再设立监事会， 六大行监事会全部撤销 12月16日，邮储银行发布公告称，该行于今年10月9日召开的2025年第二次临时股东大会审 议批准了《关于修订<中国邮政储蓄银行股份有限公司章程>的议案》和《关于中国邮政储 蓄银行不再设立监事会的议案》。近日，该行收到《国家金融监督管理总局关于邮储银行修 改公司章程的批复》，自公司章程修订获核准生效之日起，不再 ...

Core Insights - The Industrial and Commercial Bank of China (ICBC) in Liaocheng has achieved significant progress in promoting digital RMB, with a personal wallet increase of 23,000 accounts, surpassing the target by 127.29% [1] - The bank has established a three-tiered promotion mechanism led by the party committee, ensuring accountability and effective implementation of digital RMB initiatives [1] - The bank is focusing on personalized customer engagement and targeted strategies to enhance the adoption of digital RMB wallets among both individual and corporate clients [2] Group 1 - ICBC Liaocheng has netted 23,000 personal digital RMB wallets, achieving a completion rate of 127.29%, ranking 5th in the province [1] - The bank's corporate wallets increased by 2,000 accounts, with a completion rate of 138.15%, ranking 3rd in the province [1] - A dedicated task force has been established to drive the promotion of digital RMB, integrating party leadership with operational execution [1] Group 2 - The bank employs a one-on-one personalized promotion strategy at its branches, enhancing customer understanding of digital RMB's benefits [2] - Specific strategies are tailored for individual and corporate clients, focusing on the ease of use and security of digital RMB wallets [2] - The bank aims to improve customer experience and business engagement through continuous optimization of its digital RMB services [3]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Liaocheng Branch is actively supporting rural revitalization by collaborating with the Gaotang Supply and Marketing Cooperative to address the financial needs of agricultural entities, resulting in significant economic and social benefits [1]. Group 1: Financial Support and Loan Distribution - As of October 2025, ICBC has issued a total of 20.1 million yuan in agricultural loans through the Gaotang Supply and Marketing Cooperative, benefiting 23 agricultural entities and effectively addressing financing challenges in agriculture [1]. - The bank has established a regular communication mechanism with the cooperative to understand the financing characteristics and needs of agricultural entities, ensuring targeted financial services [1]. Group 2: Demand Assessment and Client Base Strengthening - ICBC and the cooperative have formed a service team to visit agricultural service centers, cooperatives, and key farmers to assess their production conditions and funding needs, creating a "demand list" for agricultural entities [2]. - Specific loans of 1.9 million yuan and 4.5 million yuan were issued to agricultural enterprises under the cooperative, expanding the reach to 21 additional farmers and totaling 13.7 million yuan in loans [2]. Group 3: Product Optimization and Service Efficiency - The bank has integrated various financial products such as "Planting E-Loan" and "Grain Purchase Loan" into agricultural supply and circulation scenarios, allowing agricultural entities to access financial services conveniently [2]. - Loan application processes have been simplified, with a green approval channel established for quick loan disbursement, enabling timely support for agricultural inputs [2]. Group 4: Promoting Inclusive Finance and Industry Development - ICBC is committed to using agricultural loans to enhance service capabilities at agricultural service centers and support cooperatives in developing specialized planting and breeding industries, thereby increasing farmers' income [3]. - The bank plans to deepen its collaboration with the Gaotang Supply and Marketing Cooperative and innovate more financial products and service models to provide better financial support for agricultural entities [3].

Core Insights - The personal pension contribution window is nearing its end, leading to a competitive "battle" among banks to attract funds for personal pension accounts [1][3] - Banks are shifting their marketing focus from merely acquiring new accounts to enhancing customer retention and encouraging actual fund contributions [3][5] Group 1: Marketing Strategies - Various banks, including state-owned and joint-stock banks, are launching diverse promotional activities such as tiered discounts and 100% winning lotteries to attract customers for personal pension account openings and contributions [3][4] - The promotional strategies are characterized by tiered and differentiated offerings, catering to different customer segments based on their contribution capabilities [4][5] - For instance, Bank of China offers multiple rewards for different contribution levels, while Industrial and Commercial Bank of China has introduced dual promotional activities for first-time account holders [4][5] Group 2: Tax Benefits and Investor Appeal - The core appeal of personal pensions lies in their triple tax benefits: tax deductions during contributions, tax exemptions on investment gains, and preferential tax treatment upon withdrawal [6][8] - Discussions on social platforms regarding tax savings and the benefits of personal pensions are increasing, indicating heightened investor interest [7] - Investors are encouraged to integrate personal pensions into their overall financial planning, recognizing their importance in long-term retirement savings [8] Group 3: Industry Trends and Recommendations - Analysts suggest that the banking industry is transitioning from a "land grab" approach to a more refined strategy focused on enhancing account activity and fund retention [5][9] - To address the issue of high account openings but low contributions, banks should innovate beyond simple incentives, incorporating features like automatic contributions and personalized retirement planning services [9] - There is a call for banks to integrate pension accounts with broader life management services, creating comprehensive solutions that enhance long-term customer engagement and account value [9]

发卡量大幅减少、分中心加速"退场"，近年来，信用卡行业正在迎来"瘦身潮"。 近日，中国人民银行发布的《2025年第三季度支付体系运行总体情况》显示，截至今年第三季度末，全 国共开立银行卡101.49亿张。其中，信用卡和借贷合一卡7.07亿张，较上季度减少800万张。 随着2024年7月政策过渡期结束，监管要求全面落地，各家银行都在积极调整发卡策略，主动清理低效 存量卡片。 再从上市银行2025年半年报看，今年上半年，工商银行（601398）信用卡累计发卡量1.48亿张，较上年 末减少200万张；交通银行（601328）境内行信用卡在册卡量6010万张，较上年末减少291万张；邮储银 行（601658）信用卡结存卡量3858万张，较上年末减少140万张。 同时，信用卡交易量也在持续收缩。其中，建设银行（601939）上半年信用卡总消费交易额1.30万亿 元，同比下降5.80%；交通银行信用卡累计消费额1.10万亿元，同比下降11.29%；招商银行（600036） 信用卡交易额2.02万亿元，同比下降8.54%。 除了发卡数量的明显减少外，信用卡业务的运营模式与组织架构也迎来了深度调整，具体体现为银行信 用卡分中 ...

Core Viewpoint - Recent tightening of banks' precious metals business coincides with a near return of international gold prices to previous highs, indicating a shift in risk management strategies within the banking sector [1][5]. Group 1: Price Movements - London gold spot prices reached a peak of $4,350 per ounce, just shy of the historical high of $4,381 per ounce [1]. - Gold prices have seen a cumulative increase of approximately 65% in the year, while silver and platinum have experienced even greater rises, with silver up 128% and platinum up 118% [6]. Group 2: Bank Policy Changes - Banks are increasingly tightening their policies on personal precious metals accounts, including the termination of agency relationships for long-term inactive accounts [1][3]. - Major banks like Industrial and Commercial Bank of China and China Construction Bank have announced plans to transfer balances from inactive accounts and close related business functions starting in December [3][4]. - The tightening measures began as early as March 2020, following the "oil treasure" incident, leading to a gradual withdrawal from high-risk leveraged products [5]. Group 3: Risk Management - Banks are enhancing risk management for precious metals investments by raising entry thresholds and risk ratings for various products, including increasing the minimum investment amounts and requiring additional risk assessments for investors [5][6]. - The adjustments also include a shift in risk ratings for accumulation gold products, which will be classified as medium risk, restricting conservative clients from participating [4]. Group 4: Regulatory Environment - The regulatory environment for commodity and precious metals trading is expected to become stricter, reflecting ongoing concerns about risk management in the banking sector [7].

Group 1 - The core viewpoint of the articles indicates that since 2025, there has been an accelerated redemption of bank preferred shares, with several banks announcing their plans to redeem these shares, leading to a shrinking market for preferred stocks, particularly in the banking sector [1][4][7] - As of December 18, 2023, a total of 55 preferred shares have been issued, raising a total of 906.55 billion yuan, with bank preferred shares accounting for 35 of these, totaling 839.15 billion yuan [1][4] - The redemption trend is primarily driven by banks seeking to optimize financing costs, with significant redemptions occurring this year compared to only two last year [4][7] Group 2 - The preferred shares are a major component of bank wealth management products, with over 90% of equity investments in these products being allocated to preferred shares [2][10] - Due to the shrinking market for preferred shares, wealth management products are now looking for alternative investment options, as the supply of preferred shares diminishes [3][10] - The issuance of perpetual bonds has surged, with 69 perpetual bonds issued this year, totaling 821.8 billion yuan, indicating a shift in capital-raising strategies among banks [8][12] Group 3 - The redemption of preferred shares must comply with capital adequacy requirements, necessitating prior approval from regulatory authorities to ensure banks maintain sufficient capital levels [8] - The fixed and floating interest rates of preferred shares are subject to adjustments, with some banks reducing their dividend rates in response to changing market conditions [7] - The overall market for equity assets in bank wealth management has been declining, with the proportion of equity assets dropping from 4.8% in 2020 to around 2% by the end of 2023 [10][11]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Liaocheng Branch is actively aligning with the national "dual carbon" strategy and regional green development opportunities, positioning green finance as a core engine for optimizing investment and financing structures and driving business transformation. Group 1: Green Finance Development - As of October 2025, the bank's green credit balance has surpassed 850 million yuan, an increase of 240 million yuan from the beginning of the year, representing a growth rate of 39.34%, with both the increment and growth rate ranking among the top in the industry [1] - The bank has elevated the development of green finance to a strategic level, holding multiple special meetings to analyze market trends and address business challenges, incorporating green credit issuance and customer expansion metrics into the assessment system to motivate all employees [1] - The bank closely tracks green industry plans and project lists released by various departments, proactively aligning with key regional green development tasks, ensuring that green loans are accurately integrated into the local real economy's transformation [1] Group 2: Focus on Green Loan Issuance - The bank firmly establishes a green development philosophy, actively connecting with enterprises on green manufacturing and green factory lists, conducting in-depth research on enterprises, and extending services from core green enterprises to upstream and downstream supporting enterprises [1] - The bank aims to explore potential green credit demand, accurately matching financing needs, and continuously enhancing the "green content" of loans, focusing on key areas such as resource recycling, green transportation, energy-efficient buildings, and green construction [1] Group 3: Post-loan Management for Quality Development - To ensure the safe and efficient operation of credit funds, the bank assigns dedicated personnel to manage the comprehensive oversight of loan issuance, fund monitoring, collateral supervision, and loan recovery for each loan disbursed [2] - The bank ensures that funds are strictly used for agreed purposes, proactively assessing the impact of policy and market changes on financing safety, and requires enterprises to improve the return rate of sales funds to the bank, ensuring the stability and sufficiency of the primary repayment source [2] - This approach aims to achieve a high-quality development trend in green credit business characterized by "precise issuance, controllable risks, and sustainable growth" [2]

Group 1: Qingdao's Innovation and Technology Development - Qingdao has achieved a significant leap in the Global Innovation Index, ranking among the top 100 technology clusters for five consecutive years, making it the fastest rising city in China over the past five years [1] - The city focuses on a "10+1" innovative industrial system, supported by policies and funding, to create a clear pathway from technological breakthroughs to industrial transformation [1] - In 2025, Qingdao's key technology projects will cover nine major fields, including new energy, new materials, and biomedicine, with over a hundred projects aimed at driving new productive forces [1] Group 2: Industrial and Financial Support from ICBC Qingdao Branch - ICBC Qingdao Branch emphasizes the importance of financial services for the real economy, particularly in supporting technological innovation, with nearly 60% account coverage and over 40% credit approval rate for key technology projects [3] - The bank has provided over 1 billion yuan in loans to a leading semiconductor company for equipment upgrades, enhancing national competitiveness in the semiconductor industry [3] - Support is also extended to high-end hydraulic equipment manufacturers and special steel producers, facilitating advancements in critical manufacturing processes [4] Group 3: High-End Instrumentation and Software Development - ICBC Qingdao Branch supports a small giant enterprise in the harmonic reducer sector, enabling it to become a leading supplier with a comprehensive product line [6] - The bank collaborates with key players in the basic software industry, providing financial support for the development of proprietary software products, enhancing supply chain management [6] - Financial products are tailored to support biotechnology firms in maintaining market leadership and advancing core genetic engineering technologies [7] Group 4: Commitment to National Strategic Goals - ICBC Qingdao Branch is committed to supporting the national strategy for technological innovation during the 14th Five-Year Plan, aiming to build a technology-driven city with core competitiveness [7] - The bank plans to deepen reforms in technology finance, enhance product offerings, and improve service efficiency to support breakthroughs in key technologies and their commercialization [7]

Market Overview - The Shanghai Composite Index rose by 0.16% on December 18, with 12 out of 28 sectors experiencing gains, led by the banking and coal industries, which increased by 1.97% and 1.89% respectively [1] - The power equipment and communication sectors saw the largest declines, with decreases of 2.22% and 1.58% respectively [1] Capital Flow Analysis - The main capital flow showed a net outflow of 32.578 billion yuan across the two markets, with 8 sectors experiencing net inflows [1] - The defense and military industry had the highest net inflow, totaling 2.29 billion yuan and a daily increase of 0.90%, followed by the banking sector with a net inflow of 927 million yuan and a daily increase of 1.97% [1] Banking Sector Performance - The banking sector increased by 1.97% with a total net inflow of 927 million yuan, comprising 42 listed companies, all of which saw gains [2] - Among the banking stocks, 27 experienced net inflows, with 9 stocks receiving over 50 million yuan; the highest inflow was for Industrial Bank at 157 million yuan, followed by Agricultural Bank and Bank of Communications with inflows of 137 million yuan and 116 million yuan respectively [2] - The stocks with the largest net outflows included Postal Savings Bank, Suzhou Bank, and Qingdao Bank, with outflows of 53.26 million yuan, 39.29 million yuan, and 15.34 million yuan respectively [2] Individual Banking Stocks Performance - Notable banking stocks and their performance include: - Industrial Bank: +2.25%, 157.19 million yuan inflow [2] - Agricultural Bank: +2.01%, 136.65 million yuan inflow [2] - Bank of Communications: +2.05%, 116.49 million yuan inflow [2] - China Construction Bank: +2.58%, 71.12 million yuan inflow [2] - Postal Savings Bank: +1.12%, 53.26 million yuan outflow [3]