Core Viewpoint - China Postal Savings Bank Co., Ltd. has obtained a patent for a method, system, device, and readable storage medium for geographically distributed operations, with the patent granted on August 22, 2025, and the application date being May 2023 [1]. Company Overview - China Postal Savings Bank Co., Ltd. was established in 2007 and is located in Beijing, primarily engaged in monetary financial services [1]. - The company has a registered capital of 99,161.076038 million RMB [1]. Investment and Intellectual Property - The bank has invested in 30 enterprises and participated in 5,000 bidding projects [1]. - It holds 1,214 trademark registrations and 943 patent registrations, along with 99 administrative licenses [1].

Core Viewpoint - The recent performance of Agricultural Bank and Postal Savings Bank stands out in the banking sector, showing resilience and growth amidst a broader market pullback, driven by their strategic focus on county economies and rural areas [2][5][6]. Group 1: Market Performance - Industrial and Commercial Bank and China Merchants Bank have seen declines of nearly 10% and 11% respectively, while Agricultural Bank and Postal Savings Bank have experienced continuous growth [2]. - The current bull market was initially driven by commercial banks, but many have shown signs of fatigue, whereas Agricultural Bank and Postal Savings Bank continue to demonstrate strong momentum [2]. Group 2: Economic Context - Major cities are facing challenges due to a sluggish real estate market, which has led to a decrease in consumer confidence and a shift towards fixed-income investments, resulting in increased deposits and higher funding costs for banks [3][4]. - In contrast, county economies have lower real estate asset allocation, leading to more active consumption and investment behaviors among residents, which benefits banks operating in these areas [4]. Group 3: Financial Metrics - Agricultural Bank reported a net profit growth rate of 4.7%, the highest among the six major banks, attributed to its deep engagement in county economies [5]. - Postal Savings Bank leads with a net interest margin of 1.87%, benefiting from a high proportion of high-yield retail loans [6]. - Both banks maintain low non-performing loan ratios, with Postal Savings Bank at 0.9% and Agricultural Bank at 1.30%, showing strong risk management capabilities [6]. Group 4: Strategic Focus - Agricultural Bank's county deposits account for 35% and loans for 40%, focusing on "rural revitalization + pension finance" as dual engines for growth [6]. - Postal Savings Bank leverages its 40,000 outlets to promote "warm-hearted pension banking," targeting the significant future potential in pension services [6]. Group 5: Future Outlook - The economic focus is shifting towards county and rural areas, which are experiencing active development due to lower production costs and government support [7]. - However, there are concerns about the sustainability of this growth amid economic pressures, and both banks face challenges in technology investment and digital transformation [7].

本文源自：金融界 金融界2025年8月22日消息，国家知识产权局信息显示，中国邮政储蓄银行股份有限公司取得一项名 为"数据迁移的处理方法、装置与计算机可读存储介质"的专利，授权公告号CN114328462B，申请日期 为2021年12月。 天眼查资料显示，中国邮政储蓄银行股份有限公司，成立于2007年，位于北京市，是一家以从事货币金 融服务为主的企业。企业注册资本9916107.6038万人民币。通过天眼查大数据分析，中国邮政储蓄银行 股份有限公司共对外投资了30家企业，参与招投标项目5000次，财产线索方面有商标信息1214条，专利 信息943条，此外企业还拥有行政许可99个。 作者：情报员 ...

| 代码 | 名称 | 主力净流入 (元) | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入 (元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601658 邮储银行 | | -199.96万 | -0.16% | 2360.50万 | 1.91% | -2160.54万 | -1.74% | | 601939 建设银行 | | -3603.16万 | -3.07% | 1700.23万 | 1.45% | 1902.93万 | 1.62% | | 601398 工商银行 | | -6430.00万 | -2.21% | 4180.82万 | 1.44% | 2249.17万 | 0.77% | | 601988 中国银行 | | -7938.75万 | -4.24% | -6691.73万 | -3.58% | 1.46/Z | 7.82% | | 601328 交通银行 | | -1.14亿 | -10.57% | 2637.48万 | 2.44% | 8804.97万 | 8.14% | | 6012 ...

Group 1 - The Yunnan Financial Regulatory Bureau approved the appointment qualifications of Hai Chao as the Vice President of the Kunming Branch of China Postal Savings Bank [1] - The approved personnel must comply with the relevant regulatory provisions and report their appointment status within three months from the date of the regulatory decision [1] - The bank is required to ensure that the approved personnel continuously learn and understand economic and financial laws and regulations, and maintain a strong awareness of risk compliance [1]

畅通渠道，接受阳光信贷多方监督。将阳光信贷要求融入信贷业务流程中，在客户申请或合同签署环节 请客户签署《阳光信贷监督卡》相应内容，向客户清晰传达银行阳光信贷员工行为禁令及监督渠道，增 强客户对信贷业务的信任感与参与度。主动向客户展示银行合规要求、并诚邀客户广泛监督，切实保护 客户权益。同时综合运用95580、阳光信贷监督邮箱（ygxd@psbc.com）、纪检、信访、内控、监管转 办等渠道，就行内人员违反阳光信贷行为禁令等相关事项，接受内外部监督。 转自：新华财经 为深入推广中国特色金融文化，积极弘扬公开透明、诚实守信、以义取利、依法合规、廉洁自律、有效 监督、严格惩治的"阳光信贷"文化，邮储银行云南省分行在2025年深入推进"阳光信贷"文化建设，多措 并举打造廉洁透明信贷环境。 机制引领，筑牢阳光信贷文化根基。在巩固"2024阳光信贷年"成果的基础上，邮储银行云南省分行在 2025年持续开展了阳光信贷活动。制定了阳光信贷承诺书，列示十四条从业人员行为禁令，明确违反行 为禁令应承担的责任后果，严明纪律底线。同时对辖内授信从业人员加强阳光信贷文化的学习和贯彻落 实，规范授信业务阳光操作，强化责任意识，共同增强阳 ...

8月21日，沪深两融数据显示，邮储银行获融资买入额0.98亿元，居两市第282位，当日融资偿还额0.99 亿元，净卖出38.45万元。 最近三个交易日，19日-21日，邮储银行分别获融资买入0.81亿元、0.96亿元、0.98亿元。 融券方面，当日融券卖出20.93万股，净卖出16.16万股。 作者：智投君 本文源自：金融界 ...

进入8月，银行间债券市场科技创新债券发行热度不减。邮储银行日前完成首期科创债发行，国有六大 行科创债全部落地，与此同时，南海农商银行、九江银行、兰州银行等区域性银行也在加速补位，推动 发行主体进一步向地方延伸。据Wind数据，截至8月21日，银行机构参与科创债发行的机构已增至36 家，发行总规模超2400亿元。 除发行端扩容外，科创债交易机制创新也在同步推进，为市场注入流动性动力。上海银行作为首批做市 商之一，参与银行间市场科创债标准篮子上线交易；广东华兴银行则在成为企业科创债标准篮子首批做 市商的基础上，推出"大湾区企业科创债篮子"，满足投资者"一键配置"区域优质科创资产的需求。 据邮储银行披露，该行8月19日完成50亿元首期科技创新债券发行。该债券分为两个品种：30亿元5年期 固定利率品种票面利率1.82%，全场认购倍数达3.1倍；20亿元3年期浮动利率品种发行利率1.8%，认购 倍数2.5倍。其中，浮息品种既是全市场首单3年期浮息科创债，也是首单应用中债区块链簿记建档发行 系统的浮息科创债。邮储银行表示，募集资金将严格投向《金融"五篇大文章"总体统计制度(试行)》规 定的科创领域，通过发放科技贷款、投资 ...

Group 1 - The banking sector in A-shares has shown a collective increase, with 40 out of 42 bank stocks rising, including notable gains from Qingdao Bank and Agricultural Bank [1] - Agricultural Bank reached a new high of 7.24 yuan per share, increasing its market capitalization to 2.46 trillion yuan, narrowing the gap with Industrial and Commercial Bank to 600 billion yuan [1] - Postal Savings Bank also hit a new high of 6.28 yuan per share, closing with a 1.30% increase and a market capitalization of 726.2 billion yuan, ranking sixth among bank stocks [1] Group 2 - Foreign investment firms, including JPMorgan, are optimistic about the future performance of Chinese listed banks, predicting a potential increase of 15% in A-share bank stocks and 8% in Hong Kong bank stocks by the second half of 2025 [2] - The average dividend yield for covered mainland bank stocks is expected to be around 4.3% this year, which is attractive in the current market environment [2] - UBS forecasts an improvement in the fundamentals of the Chinese banking industry starting from 2026, with a recovery in revenue growth and contributions from net interest margin and fee income [2]

Market Overview - A-shares experienced mixed performance on August 21, with the Shanghai Composite Index reaching a ten-year high of 3787.98 points during the day, closing at 3771.10 points, up 0.13% [2] - The Shenzhen Component Index closed at 11919.76 points, down 0.06%, while the ChiNext Index closed at 2595.47 points, down 0.47% [2] - The total trading volume in the Shanghai and Shenzhen markets was 242.71 billion yuan, an increase of 18.9 billion yuan from the previous trading day [2] Sector Performance - Bank stocks showed strong performance in the afternoon, with Agricultural Bank of China and Postal Savings Bank of China reaching historical highs, closing at 7.23 yuan (up 2.12%) and 6.23 yuan (up 1.30%) respectively [4] - The digital currency sector was active, with stocks like Yuyin Co. and PetroChina Capital hitting the daily limit [2] - Oil and gas stocks also saw gains, with Zhun Oil Co. hitting the daily limit [2] Trading Volume Trends - The trading volume in the Shanghai and Shenzhen markets has exceeded 2 trillion yuan for seven consecutive trading days since August 13, with figures of 2.15 trillion, 2.28 trillion, 2.24 trillion, 2.76 trillion, 2.59 trillion, 2.41 trillion, and 2.42 trillion yuan [2] - This level of trading volume has not been seen since November of the previous year [2] Individual Stock Highlights - From August 13 to 21, Dongfang Wealth led with a cumulative trading volume of 184.5 billion yuan, followed by Northern Rare Earth and Cambrian with 90 billion yuan and 81 billion yuan respectively [3] - These companies experienced stable stock price increases, with cumulative gains ranging from 10% to 25% [3] Future Market Outlook - Dongxing Securities predicts that the market may break through the 4000-point mark, reinforcing a mid-term upward trend [6] - The market is expected to enter a long-term upward cycle, supported by the potential for significant capital inflows and an improving economic outlook [6] - Debon Securities highlights that the current market is underpinned by three key factors: fundamentals, liquidity, and policy support [7] Sector-Specific Insights - The liquid cooling server sector has shown strong performance recently, although it experienced a pullback, with stocks like Jintian Co. and Tenglong Co. hitting the daily limit down [5] - Oriental Securities forecasts that 2025 will see accelerated penetration of AI liquid cooling technology, driven by the increasing demand for computing power [5]