Core Viewpoint - The case of 250 million yuan in deposits disappearing from the Industrial and Commercial Bank of China (ICBC) Nanning branch has raised significant legal and ethical questions regarding the bank's responsibility and internal controls [1][4][5]. Group 1: Case Background - The incident involves ICBC Nanning branch employee Liang Jianhong, who allegedly misled clients into making large deposits under false pretenses, promising additional returns to intermediaries [5][6]. - Liang Jianhong is reported to have stolen approximately 253 million yuan from 28 victims, with around 120 million yuan still unreturned after partial repayments [6]. Group 2: Legal Proceedings - The court hearings have seen both sides present evidence, with the plaintiffs arguing that the bank failed in its duty to ensure the security of customer funds due to internal control failures [4][6]. - The bank's defense claims that the losses were due to criminal actions by Liang and that they had complied with all necessary procedures, including risk disclosures on deposit slips [4][8]. Group 3: Bank's Position - ICBC Nanning branch maintains that the loss of 250 million yuan is attributed to individual criminal behavior rather than any systemic failure within the bank [7][8]. - The bank emphasizes its commitment to lawful operations and the protection of customer rights, asserting that the victims were lured by illegal high-interest offers [8].

Investment Rating - The industry investment rating is "Positive (Maintain)" [6] Core Viewpoints - The external environment's uncertainty is increasing, and the continuation of loose monetary policy is expected, with the overall expected return rate for society trending downward in the medium to long term. The effectiveness of low-volatility dividend strategies is likely to persist. The public fund reform is expected to assist banks in achieving excess returns as the allocation style returns to normal [3][26] - The banking sector's fundamentals are expected to improve marginally in Q2 2025 compared to Q1 2025, primarily due to alleviated pressure on other non-interest income growth [3][26] Summary by Sections Investment Suggestions and Targets - Two main investment lines are currently being focused on: 1. Preparing for the anticipated reduction in insurance preset rates in Q3 2025 by investing in high-dividend banks, with recommendations to pay attention to China Construction Bank (601939, not rated), Industrial and Commercial Bank of China (601398, not rated), and Chongqing Rural Commercial Bank (601077, Buy) [4][27] 2. Continuing to favor small and medium-sized banks that have performed strongly since the beginning of the year, with recommendations to focus on Industrial Bank (601166, not rated), CITIC Bank (601998, not rated), Nanjing Bank (601009, Buy), Jiangsu Bank (600919, Buy), and Hangzhou Bank (600926, Buy) [4][27] Financial Data Insights - In June 2025, the social financing (社融) year-on-year growth was 8.9%, with a month-on-month increase of 0.2 percentage points, and the monthly increment was 4.20 trillion yuan, exceeding the consensus expectation of 494.2 billion yuan [9][10] - The increase in loans was primarily driven by corporate short-term loans, with total loans growing by 7.1% year-on-year in June 2025, and the monthly increment was 2.24 trillion yuan, also surpassing expectations [15][20] - M1 growth accelerated to 4.6% year-on-year in June 2025, with M2 growth at 8.3%, indicating a narrowing gap between M2 and M1 growth rates [20][21] Structural Changes in Financing - The increase in social financing was mainly supported by government bonds and loans, with government bonds increasing by 507.2 billion yuan year-on-year [11][10] - Corporate direct financing also saw a year-on-year increase of 36.2 billion yuan, primarily due to a rise in bond financing [11][10]

7月15日上午，曾备受关注的工行"2.5亿元存款'不翼而飞'"一案迎来新进展，双方当事人在南宁市青秀 区人民法院进行证据交换。 北京安剑律师事务所律师周兆成，作为原告储户方代理律师到场。据周兆成在微博等公开渠道发布的案 件信息，本次原告方向法庭提供36组证据，主要证明银行存在重大过错。 工行代理律师向法庭提交了9组证据，证明银行流程合规，存单背面已经告知风险，储户损失是犯罪导 致的，与银行无关。 在周兆成看来，尽管原告方认为储户存单是由梁某犯罪导致，但是，银行仍需对资金安全负更高的安全 保障义务，结合最高法案例、指导案例169号等司法实践，他认为银行对储户本金及利息应该承担连带 赔偿责任。 据统计，梁建红共计窃取28名被害人约2.53亿元存款，除去已返还部分款项，案发后仍有约1.2亿元未归 还。 2021年11月19日，南宁中院作出一审判决：梁建红因犯盗窃罪、诈骗罪、伪造金融票证罪等，被判处无 期徒刑；时某及另两名案犯分别获7至15年不等有期徒刑；责令各被告人退赔各被害人的经济损失。 对于工行在这次案件中的责任，判决书中表示，"梁建红原所属单位是否是退赔责任主体并不在本案审 理范围之内，本院不予评判。" 20 ...

21世纪经济报道记者张欣北京报道 根据媒体报道，2018年9月至2019年5月，工商银行南宁分行工作人员梁建红以"为贷款企业做存款贡 献"为由，通过3名中间人找有闲置资金的客户到工行办理大额存款业务，承诺除给予正常的银行大额存 款利息外，额外支付给中间人每个月4.5%左右的收益。 据统计，梁建红共计窃取28名被害人存款高达约2.53亿元，除去案发前已返还部分款项，案发后仍有约 1.2亿元未归还。 2021年11月19日，南宁市中级人民法院作出一审判决：梁建红因犯盗窃罪、诈骗罪、伪造金融票证罪 等，被判处无期徒刑；时某及另两名案犯分获七至十五年不等有期徒刑；责令各被告人退赔各被害人的 经济损失。 南宁中院在判决书中还表示，梁建红原所属单位是否退赔责任主体并不在本案审理范围之内，故不予评 判。 近日，工行南宁分行"2.5亿元存款'不翼而飞'"一案迎来新进展，双方当事人在南宁市青秀区人民法院进 行证据交换。 7月15日，作为原告储户方代理律师，北京安剑律师事务所律师周兆成在微博等公开渠道发布的案件信 息进展显示，本次原告方向法庭提供36组证据，主要证明银行存在重大过错。由于银行存在管理漏洞和 过错，具体是内控机制失 ...

本次基金总规模拟为100亿元，聚焦江西省 "1269" 行动计划，重点投向电子信息、有色金属、新材料、 新能源等战略性新兴产业和本土优质科技型、创新型企业。目前该基金已储备一批优质的拟投项目，将 充分发挥国有大行耐心资本赋能科技创新的示范作用，助力培育和壮大新质生产力。 7月15日，工行江西省分行携手工银金融资产投资有限公司(以下简称"工银投资")与江西省国有资本运 营控股集团有限公司(以下简称"江西国控")在南昌签署战略合作协议，并启动"江西工融国控'1269'科创 领航基金"。 近年来，江西省深入推进科技兴赣"六大行动"，持续优化科技创新平台体系，重点实施"1269"行动计 划，推进科技创新与产业创新深度融合，全省综合科技创新水平指数增幅居全国第二，跑出科技创 新"加速度"。作为支持江西省科技创新的重要金融力量，工行江西省分行紧扣"1269"行动计划，充分发 挥工银集团服务优势，全力打造金融"五专"体系，为"大中小微"各类科技型企业提供"股+贷+债+顾"一 站式金融服务，以金融 "引擎" 驱动科技创新与产业升级。截至2025年6月末，工行江西省分行已累计为 超万户科创企业提供金融服务，科技企业金融服务覆盖 ...

永赢沪深 300 交易型开放式指数证券投资基金 2025 年第 2 季度报告 永赢沪深 300 交易型开放式指数证券投资基金 基金管理人：永 赢 基 金管理有限公司 基金托管人：中国工商银行股份有限公司 报告送出日期：2025 年 07 月 17 日 永赢沪深 300 交易型开放式指数证券投资基金 2025 年第 2 季 度报告 §1 重要提示 基金管理人的董事会及董事保证本报告所载资料不存在虚假记载、误导性陈述或重大遗漏，并对其内 容的真实性、准确性和完整性承担个别及连带责任。 基金托管人中国工商银行股份有限公司根据本基金合同规定，于 2025 年 07 月 15 日复核了本报告 中 的财务指标、净值表现和投资组合报告等内容，保证复核内容不存在虚假记载、误导性陈述或者重大遗 漏。 基金管理人承诺以诚实信用、勤勉尽责的原则管理和运用基金资产，但不保证基金一定盈利。 基金的过往业绩并不代表其未来表现。投资有风险，投资者在作出投资决策前应仔细阅读本基金的招 募说明书。 本报告中财务资料未经审计。 本报告期自 2025 年 04 月 01 日起至 2025 年 06 月 30 日止。 | §2 | 基金产品概况 | ...

Core Viewpoint - The case involving the disappearance of 250 million yuan in deposits from the Industrial and Commercial Bank of China (ICBC) has gained significant attention, with ongoing legal proceedings highlighting the bank's responsibility for safeguarding customer funds despite criminal actions by its employees [1][2]. Group 1: Case Background - From September 2018 to May 2019, an ICBC employee, Liang Jianhong, orchestrated a scheme to defraud customers by promising high returns on large deposits, ultimately stealing approximately 253 million yuan from 28 victims [2]. - Liang Jianhong was sentenced to life imprisonment for theft, fraud, and forgery of financial documents, while his accomplices received prison sentences ranging from 7 to 15 years [2]. Group 2: Legal Proceedings - On July 15, evidence was exchanged in court, with the plaintiff's lawyer presenting 36 pieces of evidence to demonstrate the bank's significant negligence in protecting customer deposits [1]. - The bank's legal team submitted 9 pieces of evidence arguing that the loss was due to criminal actions and that they had complied with banking procedures [1]. - The court has decided to prioritize the case of a specific plaintiff, Wei, as a representative case for the broader group of affected depositors [3].

7月中旬，深圳金融界掀起一场罕见的"集体亮剑"。 工商银行、农业银行、中国银行等十几家银行深圳分行密集发布声明，矛头直指同一家贷款 中介机构——鑫心惠邻（深圳）咨询服务有限公司及其关联公司（以下简称"鑫心惠邻"）， 明确否认与其存在合作关系，并提醒消费者警惕相关贷款中介虚假宣传套路，谨防上当受 骗。 | 声明 | 【声明】招商银行深圳分行关于未与 | | | --- | --- | --- | | 工商银行录加市分行 2025年07月14日 12:00 广东 | 不法贷款中介合作的声明 | | | ■明 | 无比直语的案小前 图高银行宣唱分行 | 声明 | | 2025年07月14日 12:01 广东 Q 听全文 | | | | 中国农业银行盟圳分行 2025年07月14日 12:03 | 严正声明 | 之哀歌行议制分榜 2025年07月1 | | 声明 | 中信根行震能分行 2025年07月11日 16:31 广东 | 声明 | | 中国服行教银行深圳市分行 | 声明 | 上海服行赏到分存 2025年07月1 | | | | 广州银行深圳分行关于 | | 2025年07月14日 12:25 广东 Ω 5人 ...

Group 1 - The "Chain Expo" showcased multiple firsts, including the global supply chain index matrix and visualized industry maps, signaling continuous innovation and collaboration in the global supply chain [1] - The "Chain Expo Launch Station" featured over a hundred cutting-edge global technologies across six dimensions, focusing on new products, technologies, processes, scenarios, ecosystems, and chains, particularly in fields like new energy and digital technology [2][3] - The "Innovation Chain Zone" was established to facilitate the entire process from intellectual property rights to technology incubation and result implementation, aiming to create a closed-loop ecosystem for technological innovation [2] Group 2 - The event highlighted regional collaboration, with various domestic companies showcasing advancements in AI and robotics, enhancing the resilience and competitiveness of the supply chain [4] - Notable international companies, including Nvidia and Apple, participated, with Nvidia's CEO praising China's AI developments and their potential to drive growth in the supply chain ecosystem [4] - The first-ever industry map was presented, helping companies identify their positions within the supply chain and optimize resource allocation [5][6] Group 3 - Customized financial services were introduced by China Bank to support enterprises in various industry chains, aiming to seize new opportunities in the industry cycle [6] - The China Council for the Promotion of International Trade released a global supply chain innovation index and a human-centric index, indicating a positive overall trend in global supply chain development despite ongoing uncertainties [6]

《金融时报》记者注意到，2022年，一起关于"工行2.5亿存款'不翼而飞'"的案件引起了社会 广泛关注。 据悉，2018年9月至2019年5月，工商银行南宁分行工作人员梁建红以"为贷款企业做存款贡 献"为由，通过3名中间人招揽有闲置资金的客户到该行办理大额存款业务，并承诺除正常银 行大额存款利息外，额外支付给中间人每月4.5%左右的收益。为顺利窃取储户存单款，梁建 红还指使下属时某伪造存单等银行票证，趁储户不备替换真实存单。 据统计，梁建红共计窃取28名被害人约2.53亿元存款，除去已返还部分款项，案发后仍有约 1.2亿元未归还。 2021年11月19日，南宁中院作出一审判决：梁建红因犯盗窃罪、诈骗罪、伪造金融票证罪 等，被判处无期徒刑；时某及另两名案犯分别获7至15年不等有期徒刑；责令各被告人退赔各 被害人的经济损失。 对于工行在这次案件中的责任，判决书中表示，"梁建红原所属单位是否是退赔责任主体并不 在本案审理范围之内，本院不予评判。" 7月15日上午，曾备受关注的工行"2.5亿元存款'不翼而飞'"一案迎来新进展，双方当事人在 南宁市青秀区人民法院进行证据交换。 北京安剑律师事务所律师周兆成，作为原告储户 ...