邮储银行百亿入局 AIC将集齐"六大行" 继三家股份行获准筹建金融资产投资公司(即"AIC")后，又一大行将携百亿资金入局——邮储银行拟出 资100亿元发起设立中邮金融资产投资有限公司(暂定名，以下简称"中邮投资")，相关事项目前正待监 管部门核准。 这一举动不仅有望实现国有六大行在AIC领域的全体"集结"，更将推动银行系AIC市场形成"国有大行全 阵容+股份行新势力"的竞争新格局。随着行业布局深化，银行系AIC行业发展路径又将呈现怎样的新特 征？ 又一国有大行展开布局 国有大行有望在AIC领域迎来"总动员"。7月16日晚间，邮储银行发布公告称，该行拟出资人民币100亿 元，全资发起设立中邮投资，并将其作为全资一级子公司管理，具体业务范围以有关监管机构批复为 准。公告显示，中邮投资将严格遵循各项法律法规及监管规定，建立完善的公司治理结构，在做好风险 管理基础上开展各项业务。 邮储银行表示，此次设立AIC是响应国家号召、服务科技强国建设的重要举措，有利于邮储银行提升综 合服务能力，做好金融"五篇大文章"，打造科技金融生力军，进一步发挥对科技创新和民营企业的支持 作用，助力新质生产力发展，更好服务实体经济。 对于 ...

格隆汇8月12日｜A股市场银行股持续拉升，农业银行盘中涨近2%续创历史新高，光大银行、邮储银 行、工商银行均涨超1%。 ...

6家非上市寿险总投资收益率超3% | | 2025年非上市寿险公司半年度投资收益率(前十) | | | --- | --- | --- | | 序号 | 公司名称 | 累计投资收益率(%) | | ] | 君龙人寿保险有限公司 | 4. 67 | | 2 | 北京人寿保险股份有限公司 | 3.65 | | 3 | 利安人寿保险股份有限公司 | 3.22 | | 4 | 幸福人寿保险股份有限公司 | 3.08 | | 5 | 国民养老保险股份有限公司 | 3.01 | | 6 | 财信吉祥人寿保险股份有限公司 | 3.00 | | 7 | 小康人寿保险有限责任公司 | 2. 96 | | 8 | 弘康人寿保险股份有限公司 | 2. 95 | | 9 | 华贵人寿保险股份有限公司 | 2. 94 | | 10 | 光大永明人寿保险有限公司 | 2. 89 | | 数据来源:企业预警通 | | 制表:21世纪经济报道 | 从上半年投资收益率来看，59家非上市寿险公司中有6家超过3%。其中，君龙人寿保险有限公司以4.67%的收益率位居榜首；北京人寿保险股份有限 公司紧随其后，收益率为3.65%；利安人寿保险股份有限公 ...

从资金流向上来看，当日国有大型银行板块主力资金净流入838.27万元，游资资金净流入7256.69万元， 散户资金净流出8094.96万元。国有大型银行板块个股资金流向见下表： 以上内容为证券之星据公开信息整理，由AI算法生成（网信算备310104345710301240019号），不构成投资建议。 | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | | --- | --- | --- | --- | --- | --- | --- | | 601288 | 农业银行 | 6.74 | 0.45% | 498.16万 | | 33.43 Z | | 601988 | 中国银行 | 5.62 | -0.88% | 258.60万 | | 14.53 Z | | 601658 | 邮储银行 | 5.96 | -1.00% | 169.81万 | | 10.14亿 | | 601328 | 交通银行 | 7.67 | -1.03% | 144.60万 | | 11.13亿 | | 601398 | 工商银行 | 7.70 | -1.16% | 336.84万 | | 26.001 ...

Core Viewpoint - The summer grain purchase is crucial for national food security and the livelihood of farmers, with Postal Savings Bank of China (PSBC) playing a significant role in supporting this process through financial services [1][10]. Group 1: Event Overview - The summer grain purchase kickoff meeting was held on May 29 in Pingdu City, highlighting the importance of timely grain collection and financial support for farmers [3][6]. - Local government officials emphasized the positive outlook for summer grain production and the urgency of the purchasing process [3]. Group 2: Financial Support from PSBC - PSBC Qingdao Branch has been actively supporting local farmers and grain enterprises with financial assistance, addressing funding challenges and facilitating smooth grain purchases [5][9]. - The bank has introduced various financial products tailored to the grain industry, such as "Farming Loan," "Grain Industry Loan," and "Grain Farmer Treasure," to provide precise support for the local grain industry [5][9]. Group 3: Impact on Local Grain Enterprises - Grain purchasing companies expressed gratitude for PSBC's timely financial support, which has enabled them to expand operations and improve performance [8][9]. - For instance, Qingdao Rongxiang Agricultural Products Co., Ltd. received a credit support of 7.9 million from PSBC, allowing them to increase grain purchases this year [8]. Group 4: Future Commitment - PSBC Qingdao Branch aims to continue innovating financial products and services to enhance support for the grain industry, contributing to rural revitalization and national food security [9][10].

服务升级：构建长效合作机制 此次活动不仅是单向宣传，更是银政合作的新起点。邮储银行资阳分行还将与市妇联共建"金融知识宣 讲团"，定期开展送金融知识进社区、进乡村、进企业等专项宣传活动，并探索建立"女性创业金融服务 站"，切实为妇女群体提供从知识普及到融资支持的"全链条"服务。 社会反响：多方点赞金融温度 反假宣传：筑牢金融安全防线 活动现场，邮储银行资阳分行工作人员通过"一转、二摸、三透光"的实操演示，生动讲解了新版人民币 的防伪特征和假币识别技巧。结合近年来高发的假币诈骗案例，特别是针对中老年妇女、农村地区群众 等易受害群体，深入剖析了"找零调包""虚假购物"等常见骗局，并现场发放《反假货币手册》50余份。 参与者纷纷表示："这些知识非常实用，以后遇到类似情况也能冷静应对了。" 信贷赋能：助力巾帼创业发展 为助力女性创新创业，邮储银行资阳分行重点推介了"巾帼创业贷""女神信用贷"等特色金融产品，详细 解读了申请条件、利率优惠及绿色审批通道等政策亮点。此外，还针对女性创业者常见的资金周转、扩 大经营等需求，提供了"一对一"咨询服务。双方围绕"金融赋能助力女性创业"进行了深入探讨，同时对 这种联合宣传方式表示肯 ...

涉外服务质效高，畅通办理暖外宾 为使金融发展成果更广泛惠及人民群众，中国邮政储蓄银行四川省分行直属支行营业部（以下简称"直 属支行营业部"）始终恪守"以客户为中心"的服务理念，持续创新服务模式，优化服务流程。针对老年 客户、商户、户外工作者及外籍人士等特殊群体，直属支行营业部推出一系列高效、贴心的服务举措， 赢得社会各界广泛赞誉，有力彰显了邮储银行的大行担当。 零钱兑换暖人心，便捷服务解难题 "以往兑换零钞多有不便，有时候还得跑好几家银行，现在邮储银行提供了零钱包服务，真是方便多 了！"经营便利店的张女士对直属支行营业部推出的"零钱包"便捷兑换服务给予高度评价。为满足商户 及老年客户在日常经营与生活中对小面额现金的需求，该网点推出此项服务——客户无需排队即可兑 换，也可预约享受上门兑换。自推出以来，该服务迅速成为周边商户及老年群体的"福音"，有效纾解其 找零与支付难题。截至目前，直属支行营业部已累计为商户及老年客户兑换零钱包130余个，其中提供 上门兑换服务40余次。 转自：推广 适老服务细入微，网点设施传温情 步入直属支行营业部，环境温馨舒适。网点专设爱心窗口，配备老花镜、放大镜、大字版指南、助盲板 等适老 ...

8月7日以来，甘肃兰州市榆中县等地遭遇连续强降雨引发山洪灾害。面对灾情，邮储银行全力以赴做好 抗洪救灾和灾区金融服务保障工作。 榆中县支行客户经理及时梳理马坡乡、小康营乡、夏官营镇、城关镇4个重灾区的贷款客户，主动致电 了解客户在汛情中的实际困难，为客户提供金融帮助。对于受汛情影响还款困难的客户，榆中县支行开 通绿色服务通道，协同相关业务部门积极落实信贷纾困政策，根据客户实际情况提供延期还款、调整还 款计划等支持，与客户一道共渡难关。此外，邮储银行榆中县支行为榆中县高崖灾民安置点等地送去早 餐、方便面、矿泉水、面包等急需物资，并组建了党员应急服务队，为应急保障和服务群众等工作提供 实际帮助，以暖心服务积极践行社会责任。 下一步，邮储银行将密切关注灾区救灾及重建情况，持续以扎实的行动和优质的服务，全力保障客户资 金安全和金融服务稳定，为甘肃榆中县防汛救灾工作贡献力量。 （文章来源：新华网） 灾情就是命令，时间就是生命。邮储银行榆中县支行第一时间启动应急响应机制，召开紧急防汛工作会 议，传达防汛工作要求，分析辖区内汛情潜在风险点，重点对营业网点、自助设备服务区、机房等关键 区域进行隐患排查，确保ATM机等自助设备 ...

Core Insights - The personal loan business is a crucial profit source for banks, with increasing competition leading to aggressive retail strategies among major banks [1][2] - The shift from investment-driven to consumption-driven economic growth in China has prompted banks to enhance their consumer loan offerings as part of broader macroeconomic policies [2][4] - The six major state-owned banks have significantly increased their personal consumption loan portfolios, with total growth exceeding 1.8 trillion yuan, driven by policy support and strategic adjustments [3][4] Group 1: Market Dynamics - The consumer loan market is experiencing intense competition, with state-owned banks, joint-stock banks, and city commercial banks all vying for market share [1][6] - In 2024, the six major banks' personal consumption loans (including credit card overdrafts) surpassed 1 trillion yuan in incremental growth, reflecting a robust demand for consumer credit [4] - Agricultural Bank of China reported a personal consumption loan issuance of 561.6 billion yuan in 2024, marking a year-on-year increase of 876 billion yuan [4] Group 2: Performance Metrics - As of 2024, the personal consumption loan balances for major banks are as follows: Industrial and Commercial Bank of China (421.2 billion yuan), Agricultural Bank of China (476.4 billion yuan), and Construction Bank (527.9 billion yuan), all showing significant year-on-year growth [3][4] - Credit card overdraft balances also saw growth, with Agricultural Bank of China increasing by 22.68% year-on-year, while other banks like Postal Savings Bank experienced a decline in growth rates [4][5] - The non-performing loan (NPL) ratios for personal consumption loans in 2024 were reported as follows: Industrial and Commercial Bank (2.39%), Agricultural Bank (1.55%), and Postal Savings Bank (1.34%) [5] Group 3: Strategic Initiatives - Major banks are leveraging their financial strength and customer bases to capture market share in consumer loans, with a focus on scenario-based services through partnerships with retailers and e-commerce platforms [6][14] - City commercial banks are also adapting their strategies, with Jiangsu Bank leading in personal loan balances at 674.8 billion yuan, while others like Ningbo Bank and Nanjing Bank are refining their customer targeting and service models [7][9] - Some banks are introducing large consumer loan products backed by real estate, indicating a trend towards higher loan amounts and longer terms to attract borrowers [11][12] Group 4: Future Outlook - The consumer loan market is expected to continue its rapid growth, driven by government policies aimed at boosting consumption and the banks' strategic focus on expanding their loan portfolios [4][19] - The balance between loan growth and risk management will be critical for banks, as rising non-performing loan rates could lead to more cautious lending practices [16][19] - Innovative products, such as personal loans for electric vehicles, are emerging as banks seek to capture niche markets within the broader consumer loan landscape [18]

据悉，该笔贷款资金专项用于采购燃油效率更高的新机型、开展运行环节优化降低飞行能耗及应用 可持续航空燃料。为确保转型有效进行，邮储银行上海分行聘请第三方专业机构在贷款存续期间为企 业"体检"，如未达标则上调贷款利率。据测算，若目标顺利达成，吉祥航空2025年将减少二氧化碳排放 近2.86万吨。通过持续减排，为飞行添"绿意"。 为焦炉注入"绿色动力" 焦化行业的"高碳枷锁"正被金融力量悄然打开。近期，邮储银行山西省分行为金鼎钢铁集团煤焦化 有限公司顺利发放1亿元转型金融贷款，这是邮储银行焦化行业转型金融的"破冰之举"，也是银行业首 笔焦化行业主体转型流贷业务。 在经济社会绿色转型进程中，转型金融作为连接传统产业与绿色发展的重要纽带，正发挥着关键作 用。当前，钢铁、水泥、化工等高碳行业既是推动经济发展的基础性行业，又面临碳减排压力，处于绿 色转型的关键期。转型金融通过创新金融工具和服务模式，破解了"转不起"的资金困境，攻克了"转不 动"的技术瓶颈，为传统产业绿色升级提供坚实保障。 邮储银行积极落实国家"双碳"目标，深入践行绿色发展理念，以金融为笔，在航空、焦化、水泥等 高碳行业的转型画卷上，勾勒出一幅幅生动的绿色图 ...