注：本文系新闻报道，不构成投资建议，股市有风险，投资需谨慎。 （文章来源：证券时报网） 银行行业今日下跌0.34%，全天主力资金净流入1.52亿元，该行业所属的个股共42只，今日上涨的有5 只；下跌的有35只。以资金流向数据进行统计，该行业资金净流入的个股有23只，其中，净流入资金超 5000万元的有5只，净流入资金居首的是浦发银行，今日净流入资金1.24亿元，紧随其后的是工商银 行、南京银行，净流入资金分别为9479.30万元、7377.84万元。银行行业资金净流出个股中，资金净流 出超千万元的有13只，净流出资金居前的有平安银行、杭州银行、中信银行，净流出资金分别为1.12亿 元、9051.85万元、4370.28万元。（数据宝） 银行行业资金流向排名 | 代码 | 简称 | 今日涨跌幅（%） | 今日换手率（%） | 主力资金流量（万元） | | --- | --- | --- | --- | --- | | 600000 | 浦发银行 | 2.44 | 0.32 | 12442.39 | | 601398 | 工商银行 | 1.20 | 0.11 | 9479.30 | | 601009 | 南京银行 ...

工商银行上海市分行紧跟外汇管理改革步伐，坚持以服务实体经济需求为导向，加快产品和服务创新， 完成一项又一项金融试点创新。近期，在国家外汇管理局上海市分局的指导下，工行上海分行落地首批 6家中外资保险机构开展跨境贸易投资高水平开放试点，实施外汇收支便利化管理，进一步推动企业经 常项目外汇收付便利。 此次，政策红利的辐射范围进一步扩围保险机构，大幅优化了保险项下外汇收支的业务流程。原先办理 再保险、保险费、理赔款等业务时，由于涉及众多交易对手，交易单证复杂、跨境支付频率高等问题， 保险机构需要花费大量时间准备收付款材料，而银行审核也同样耗时，这很大程度上限制了跨境资金的 结算和使用效率。开展高水平开放试点后，上述问题得到了针对性的解决，商业银行可自主决定开展外 汇展业的形式，"精简"事中审核环节，仅需企业收付指令即可办理保险项下跨境资金汇划手续，企业端 也能够明显感受到政策开放对资金结算效能的释放，对于引导市场形成"主体越诚信、手续越便 利"、"银行越合规、审核越自主"的良性循环具有积极的正向作用。 跨境贸易投资高水平开放试点三年来，工行上海分行始终遵从"重企业经营实质"的理念，以服务实体经 济、促进贸易投资便利 ...

Group 1 - The core viewpoint of the articles highlights that listed banks in China are distributing dividends, with a total cash dividend amount reaching 6,319.56 billion yuan for 2024, reflecting a year-on-year increase of 3.03% [1] - A total of 26 banks have implemented their profit distribution plans for the year 2024, with 14 banks completing both mid-term and year-end dividends [1] - Among the 42 A-share banks, 39 have increased their cash dividends compared to the previous year, with an overall increase of 186 billion yuan in total dividend amounts [1] Group 2 - Notably, Ningbo Bank has proposed a cash dividend of 9 yuan per 10 shares for 2024, marking a second consecutive year of increased dividend payouts [2] - 25 A-share listed banks have raised their cash dividend ratios for 2024, with Ningbo Bank's ratio increasing by 6.3 percentage points to 21.91% [2] - Industrial Bank and Citic Bank have also reported consistent increases in their cash dividend ratios, with Industrial Bank's ratio reaching 30.73% for 2024 and Citic Bank planning a cash dividend of 194.55 billion yuan [2]

Wind数据显示，从1月1日至6月25日，申万银行指数累计涨幅达到15.77%。从个股来看，工商银行、农 业银行、建设银行等30多只银行股在6月26日创下今年以来新高，占比超八成。 截至6月26日，在A股总市值排名前十名的上市公司中，出现了五家上市银行的身影。其中，工商银行 位居A股总市值第一名，市值高达2.70万亿元人民币。自2022年以来，工商银行股价从4元/股涨至7.76 元/股，涨幅超80%。 曾经不被市场看好的银行股，为何在这两年突然走牛了？业内分析认为，一方面源自银行板块盈利平 稳，但此前估值较低，所以板块存在价值回归的动能。数据显示，截至2025年5月底，中证银行指数市 净率（PB）仅为0.67倍，低于过去十年67%的时间。 出品 | 华博商业评论 邮箱 | hbsypl2023@163.com 2025年以来，在低迷的A股市场，银行股一骑绝尘，让不少投资者只能望洋兴叹。 另一方面，随着银行存款利率和银行理财产品预期收益率持续走低，部分投资者秉持着"存钱不如买银 行股"的理念加大了对银行股的资产配置。当前中证银行指数近12个月股息率达6.4%，显著高于1.7%左 右的十年期国债收益率。以工行为例 ...

金十图示：2025年06月30日（周一）中国工商银行账户贵金属行情 ...

Core Viewpoint - The article highlights the increasing challenges faced by foreign trade enterprises due to global trade uncertainties, emphasizing the need for efficient financial support to help these companies navigate risks and enhance their resilience in international markets [1][12]. Financial Support Mechanisms - The Liaocheng Financial Regulatory Bureau is focusing on providing precise, convenient, inclusive, and efficient financial services to support foreign trade enterprises, aiming to strengthen the basic foreign trade framework and enhance development resilience [1][12]. - A financing coordination mechanism has been established to improve service levels of financial institutions, facilitating connections between foreign trade enterprises and effective resources [1][12]. Innovative Financial Products - Shandong Hongyuan Metal Materials Co., Ltd. has benefited from tailored financial products such as "Foreign Trade Loans" and "Technology Compensation Loans," which have significantly reduced financing costs and financial burdens [2][3]. - The "Technology Compensation Loan" is designed specifically for technology innovation enterprises, offering preferential interest rates and targeted support for product development and technology implementation [3][4]. Efficient Financing Processes - The article describes improvements in financing processes, allowing small foreign trade enterprises to apply for loans easily through mobile applications, thus reducing the time and effort previously required [6][8]. - Liaocheng's financial institutions have optimized their service processes, increasing credit availability while minimizing intermediary steps, resulting in faster funding for small enterprises [6][11]. Case Studies of Successful Financing - The article provides examples of successful financial interventions, such as the rapid loan approval for Shandong Hailin Group, which faced challenges due to international economic fluctuations [3][4]. - Liaocheng's financial institutions have established dedicated service teams to address urgent financing needs, exemplified by the swift response to Yanggu Xinhui Cable Co., Ltd.'s temporary order requiring immediate funding [7][9]. Overall Impact on Small Enterprises - The financial support provided has led to a significant increase in the loan balance for small enterprises, with the total amount exceeding 7.2 billion yuan and over 6,700 clients served [11][12]. - The cumulative credit granted to small foreign trade enterprises reached 6.084 billion yuan, with 4.916 billion yuan disbursed, demonstrating the effectiveness of the financing coordination mechanism [12].

Core Viewpoint - The peak period for cash dividend distribution among listed banks has arrived, with a significant increase in total cash dividends for 2024 compared to the previous year [1][2][3]. Summary by Sections Cash Dividend Distribution - As of June 27, 2024, 26 banks have implemented their cash dividend distribution plans, totaling 427.38 billion yuan [2][4]. - The total cash dividends for A-share listed banks are projected to reach 631.96 billion yuan in 2024, an increase of nearly 20 billion yuan from the previous year, representing a growth rate of 3.03% [3]. Dividend Increase - Nearly half of the A-share listed banks have advanced their dividend actions, with 14 banks completing both mid-term and year-end dividends by June 27 [4]. - A total of 39 out of 42 listed banks are expected to increase their cash dividends in 2024, with an overall increase of 18.6 billion yuan [5]. Major Contributors - The six major state-owned banks are the primary contributors to the dividend payouts, with total dividends exceeding 420 billion yuan [5]. - Industrial and Commercial Bank of China and China Construction Bank each have cash dividends exceeding 100 billion yuan, at 109.77 billion yuan and 100.75 billion yuan respectively [5][6]. Dividend Ratios - 14 banks have a cash dividend ratio exceeding 30% for 2024, with a slight decrease in the number of banks compared to 2023 [10]. - Notably, Ningbo Bank's cash dividend ratio increased by 6.3 percentage points to 21.91%, while Hu'nong Commercial Bank's ratio rose from 30.10% to 33.91% [10]. Mid-term Dividends - 23 A-share listed banks have implemented mid-term dividend plans, distributing a total of 257.71 billion yuan [8]. - Some banks, like Hu'nong Commercial Bank, have already proposed mid-term dividend plans for 2025 [9]. Challenges - Despite the increase in dividend frequency and ratios, the banking industry faces challenges such as narrowing interest margins and slowing revenue growth [12].

Core Viewpoint - Qingdao Rural Commercial Bank has received shareholder approval for the absorption and merger of three village banks, which will be converted into branch institutions, indicating a strategic move to enhance financial service capabilities and risk management [2][3][6]. Summary by Relevant Sections Mergers and Acquisitions - Qingdao Rural Commercial Bank's shareholders approved the merger of Qingdao Pingdu Huimin Village Bank, Shandong Yinan Lanhai Village Bank, and Jining Lanhai Village Bank, converting them into branch institutions [3][4]. - The three acquired village banks are wholly owned subsidiaries of Qingdao Rural Commercial Bank, with ownership stakes of 100%, 100%, and 95% respectively [6]. Financial Performance - As of the end of 2024, the three village banks reported significant losses: Qingdao Pingdu Huimin Village Bank had a net loss of 1.509 million yuan, Shandong Yinan Lanhai Village Bank lost 4.056 million yuan, and Jining Lanhai Village Bank faced a net loss of 19.157 million yuan [6]. Industry Trends - The "village to branch" reform is gaining traction, with several banks, including Jining Bank, Anshan Bank, and Guizhou Bank, also acquiring village banks and converting them into branches [7]. - The recent approval for Industrial and Commercial Bank of China to acquire Chongqing Bishan Rural Bank and establish a new branch reflects a broader trend among major banks to consolidate and enhance their operational structures [7]. Risk Management and Reform - The "village to branch" initiative is seen as a crucial method for addressing risks and restructuring village banks, thereby improving their ability to provide financial services and manage risks effectively [8][9]. - The regulatory framework supports this transition, allowing high-risk village banks to be converted into branches if the main initiating bank has a local presence, thereby ensuring continued financial service availability [8].

Group 1 - The event "China-Turkey Cooperation: Building the Future Together" was held in Istanbul, focusing on deepening economic and cultural exchanges between China and Turkey [1][2] - The Chinese Consul General in Istanbul, Wei Xiaodong, highlighted the significance of the 15th anniversary of the China-Turkey strategic partnership and the 10th anniversary of the Belt and Road Initiative [1] - The event aimed to provide a platform for Turkish media and Chinese enterprises to exchange views and promote cooperation, enhancing mutual understanding between the two nations [1][2] Group 2 - The Chairman of Industrial and Commercial Bank of China (Turkey) and President of the Chinese Enterprises Association, Hou Qian, expressed gratitude for the event, emphasizing the expansion of economic cooperation channels [2] - The event provided valuable opportunities for Turkish institutions to understand China better and explore collaboration avenues [2] - Representatives from major Chinese enterprises, including China Bank, Industrial and Commercial Bank of China, Huawei, and State Power Investment Corporation, presented their core business operations [2]

| 票数 | | 比例（%） | 票数 | | 比例（%） | 票 | | --- | --- | --- | --- | --- | --- | --- | | 数 比例（%） | | | | | | | | 表决结果 307,506,522,480 | | 99.9956 | 4,587,282 | 0.0015 | 8,892,012 | 0.0029 | | 审议结果：通过 | | | | | | | | 表决情况： | | | | | | | | | 同意 | | 反对 | | | 弃权 | | 票数 | | 比例（%） | 票数 | | 比例（%） | 票 | | 数 比例（%） | | | | | | | | 表决结果 307,439,041,675 | | 99.9737 | 71,933,575 | 0.0234 | 9,026,524 | 0.0029 | | 的议案 | | | | | | | | 审议结果：通过 | | | | | | | | 表决情况： | | | | | | | | | 同意 | | 反对 | | | 弃权 | | 票数 | | 比例（%） | 票数 | | 比例（ ...