近日，工行深圳市分行凭借专业高效的金融服务与精准的市场研判，成功开立"深圳市首笔城市更新房 票资金监管账户"，成为深圳房票制度实施以来首家实现该业务突破的银行，为城市更新领域金融服务 树立了新标杆。 今年以来，深圳市《关于规范城市更新实施工作的若干意见》正式施行，明确提出建立房票制度，探索 城市更新项目补偿安置多元化路径。作为破解城中村改造困局、盘活存量更新项目的重要举措，该制度 将被征收人房屋安置补偿权益货币量化，并依托规范的资金监管保障交易安全与权益落地。根据规定， 被搬迁人在签订搬迁补偿协议时，可选择现金补偿或者房票，房票由票面金额和优惠政策组成，被搬迁 人凭房票可以在政府指定范围内购买已准入房源库的一手住宅，并可享受购房优惠，有效期为24个月， 逾期未使用和逾期房票有结余的，可申请兑换为现金。 在此基础上，该行聚焦房票资金"安全监管、透明流转、高效结算"三大核心，量身定制涵盖账户开立、 资金存管、流程监控、凭证核验的全链条金融服务方案。该方案充分发挥银行资金监管的合规优势与线 上化服务效率，通过系统对接实现房票数据实时共享，确保资金存取与房产交易流程精准匹配，有效防 范交易风险。同时，该行开辟绿色审批 ...

Core Viewpoint - The issuance of technology innovation bonds (科创债) by banks has significantly increased, with a total issuance scale reaching 301.4 billion yuan as of December 18, indicating a strong market response to the regulatory support initiated in May 2023 [3][14]. Issuance Scale - A total of 67 banks have issued 75 technology innovation bonds, with the largest share coming from state-owned banks, which account for 38.16% of the total issuance [3][15]. - The six major state-owned banks have collectively issued bonds worth 115 billion yuan, while city commercial banks and rural commercial banks have also become significant players, with issuance scales of 74.9 billion yuan and 15 billion yuan respectively [4][17]. Interest Rates - The interest rates for technology innovation bonds vary, with state-owned banks offering rates between 1.65% and 1.81%, while city and rural commercial banks have higher rates ranging from 1.67% to 2.07% [7][21]. - Notably, some city and rural commercial banks have rates exceeding 1.8%, indicating a competitive pricing environment [3][18]. Maturity Periods - The majority of the issued bonds have a maturity period concentrated around 5 years, which accounts for over 70% of the total, followed by 3-year bonds at over 20% [11][22]. - This maturity structure is designed to meet the medium to long-term funding needs of technology enterprises for research and development, as well as for project implementation [22]. Funding Allocation - The funds raised through these bonds are primarily directed towards technology innovation sectors, including the issuance of loans for technology projects and investments in innovative enterprises [6][17].

中国驻阿联酋使馆经济商务参赞朱炼在致辞中充分肯定工商银行阿布扎比分行在促进中阿经贸金融合作 中发挥的积极作用，表示驻阿使馆将一如既往支持中资金融机构在阿联酋稳健发展，共同推动中阿关系 不断向更高水平迈进。 中国工商银行阿布扎比分行总经理孙刚表示，15年来，分行围绕中阿两国战略方向，积极提供多元化金 融服务，见证了中阿合作由传统能源、工程建设向绿色发展、数字创新等新兴领域不断拓展。既为中资 企业海外发展保驾护航，也逐步成长为阿联酋本土企业信赖的合作伙伴，实现了与驻在国经济的同频共 振、互促共进。 人民网迪拜12月18日电 (记者张志文)12月18日，中国工商银行阿布扎比分行成立15周年庆典暨客户答谢 活动在阿布扎比举行。中国驻阿联酋使馆代表和中阿工商界嘉宾等齐聚一堂，共同回顾分行15年发展历 程，展望中阿金融合作广阔前景。 中国工商银行阿布扎比分行于2010年11月正式营业，是在阿布扎比设立的首家中资在岸银行。15年来， 该行立足中国工商银行集团全球化发展布局，在支持中阿双边贸易投资、基础设施建设和产业合作、金 融互联互通等方面持续发力，逐步成长为联通两国资金往来、促进互利共赢的重要金融纽带。 据介绍，中国工商 ...

Core Viewpoint - The issuance of technology innovation bonds by banks has significantly increased since the announcement by the central bank and the China Securities Regulatory Commission on May 7, with a total issuance scale reaching 301.4 billion yuan by December 18, 2023 [1][2]. Issuance Scale - A total of 67 banks have issued 75 technology innovation bonds, with state-owned banks being the primary issuers, accounting for 38.16% of the total issuance [1][3]. - The six major state-owned banks have collectively issued bonds worth 115 billion yuan, while city commercial banks and rural commercial banks have issued 74.9 billion yuan and 15 billion yuan, respectively [1][5]. - The issuance period is mainly concentrated in 5-year bonds, followed by 3-year bonds, with a small number of 6-month and 7-year bonds [1][9]. Interest Rates - The interest rates for the issued bonds range from 1.67% to 2.07%, with state-owned banks having slightly lower rates between 1.65% and 1.81% [1][7]. - City commercial banks and rural commercial banks have higher rates, with many exceeding 1.8% [1][9]. - The policy banks have rates of 1.4% for the National Development Bank and 1.65% for the Agricultural Development Bank [1][7]. Fund Allocation - The funds raised from technology innovation bonds are directed towards technology innovation sectors, including issuing loans for technology and investing in technology innovation enterprises [6].

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].