7月31日，国务院常务会议提出，实施个人消费贷款贴息政策与服务业经营主体贷款贴息政策。目前， 工行、农行、中行、建行、交行和邮储银陆续表态，将积极响应相关政策，助力消费升级与服务业焕 新。 国有大行第一时间响应。 工商银行发布公告称，将坚持市场化、法治化原则，优化办理流程、简化手续，推动政策尽快实施。 农业银行表示，将积极落实会议部署，按照有关部门要求，进一步简化申请流程，提升办理效率，加强 资金合规使用，确保贴息政策精准高效直达广大消费者和服务业经营主体，及时将政策精准传导至千企 万户。 建设银行表示，将按照上级单位有关要求，切实做好个人消费贷款和服务业经营主体贷款贴息政策的传 导落实，让消费市场参与方更加便捷地获得国家政策红利，激发消费潜力，提升市场活力，以高质量金 融服务助力扩大消费需求，提升消费能力，更好发挥消费在畅通国民经济循环、拉动经济增长中的积极 作用。 值得一提的是，虽然新政具体执行细则还未披露，但据公开信息显示，在此之前至少已经有三地实施了 消费贷贴息政策，贴息幅度多在1.5%左右。 中国银行则表示，将全力抓好贴息政策的组织实施，推动政策尽快落地，以高效、精准、优质的金融服 务，推动政策红利 ...

Core Viewpoint - The State Council's meeting proposed implementing interest subsidy policies for personal consumption loans and service industry loans to stimulate consumption and enhance market vitality [1][3]. Group 1: Policy Implementation - Major state-owned banks, including ICBC, ABC, BOC, CCB, PSBC, and Bank of Communications, have expressed their commitment to actively support the new policies and facilitate consumption upgrades and service industry revitalization [1][4][5]. - The specific execution details of the new policies have not yet been disclosed, but prior implementations in at least three regions have shown interest subsidy rates around 1.5% [1][9]. Group 2: Economic Impact - The interest subsidy policies aim to lower the credit costs for residents and financing costs for service industry entities, thereby stimulating consumption potential and enhancing market activity [3][6]. - The policies are expected to counteract external demand fluctuations and promote economic growth while upgrading consumption infrastructure and service capabilities [6]. Group 3: Regional Implementation Examples - Prior to the national policy, regions like Sichuan, Chongqing, and Hangzhou's Yuhang District had already implemented consumption loan interest subsidies, with varying conditions and subsidy rates [6][9]. - For instance, Sichuan's subsidy applies to specific categories of goods, while Chongqing limits it to designated merchants, and Yuhang has income restrictions for applicants [6]. Group 4: Financial Institutions' Response - Financial institutions are expected to benefit from the new subsidy policies, as they can increase the scale of consumer loans without pursuing lower-tier clients, thus improving their overall loan performance [8][9]. - The subsidy rates and funding sources are under scrutiny, with examples showing that local fiscal funds primarily support these initiatives, with specific ratios of burden-sharing between provincial and municipal levels [9].

Core Viewpoint - The banking industry is accelerating the layout of scenario-based financial services, aiming to build a new service ecosystem by deeply embedding into enterprise operational scenarios [1] Group 1: Service Development - China Postal Savings Bank launched the "Postal Financial Management +" series of services to assist enterprises in establishing a "system collaboration" in an efficient manner [1] - The "Postal Financial Management +" integrates various services such as treasury cloud, enterprise collection, payment, operation, connection, and management, providing a systematic service for financial funds, assets, and resource coordination, serving over 200,000 enterprise clients [2] - The service features inclusiveness, intelligence, and openness, innovatively creating a product system that meets the full lifecycle needs of enterprises, showcasing the responsibility of state-owned banks in financial service [2] Group 2: Digital Transformation - In the context of enterprise digital transformation, banks are accelerating the construction of intelligent financial asset management systems [3] - A certain joint-stock bank in Guangzhou launched a "financial asset management cloud product system" to assist enterprises in digital transformation, optimizing financial management processes and enhancing operational efficiency [3] - Another joint-stock bank in Shanghai focuses on treasury system construction as a breakthrough for financial management digital transformation, helping state-owned enterprises enhance efficient and secure fund management [3] Group 3: Challenges and Strategic Focus - Enterprises face three unavoidable challenges during digital transformation: data silos, efficiency bottlenecks, and security risks, which necessitate the development of a financial management digital service system by banks [4] - The banking service model has shifted to focus on the ecological scenarios of enterprise operations, requiring a customer demand-oriented approach and breaking down product chain barriers [4]

本文源自：金融界 作者：情报员 金融界2025年8月5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"基于区块链的询证数据的获取方法、获取装置和获取系统"的专利，授权公告号CN116109390B，申 请日期为2022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31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913条，此外企业还拥有行政许可98个。 ...

香港联交所最新资料显示，8月1日，中国平安增持邮储银行(01658)935.7万股，每股作价为5.5131港 元，总金额约为5158.61万港元。增持后最新持股数目约为29.84亿股，最新持股比例为15.02%。 ...

香港联交所最新资料显示，8月1日，中国平安（601318）增持邮储银行（601658）(01658)935.7万股， 每股作价为5.5131港元，总金额约为5158.61万港元。增持后最新持股数目约为29.84亿股，最新持股比 例为15.02%。 ...

证券之星消息，8月5日国有大型银行板块较上一交易日上涨1.57%，农业银行领涨。当日上证指数报收 于3617.6，上涨0.96%。深证成指报收于11106.96，上涨0.59%。国有大型银行板块个股涨跌见下表： | 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 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601288 农业银行 | | 2.64亿 | 8.27% | -1.81亿 | -5.66% | -8294.37万 | -2.60% | | 601988 中国银行 | | 2.36亿 | 13.11% | -1.52亿 | -8.42% | -8454.36万 | -4.69% | | 601398 工商银行 | | 1.4217 | 5.41% | -1.28亿 | -4.90% | -1345.58万 | -0.51% | | 601328 交通银行 | | 7023.60万 | 4.98% | -1.04亿 | -7.36% | 3347.86万 ...

FF301 I. 法定/註冊股本變動 1. 股份分類 普通股 股份類別 H 於香港聯交所上市 (註1) 是 | 證券代號 (如上市) | 01658 | 說明 | H股 | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 19,856,167,000 | RMB | | 1 RMB | | 19,856,167,000 | | 增加 / 減少 (-) | | | | | | RMB | | | | 本月底結存 | | | 19,856,167,000 | RMB | | 1 RMB | | 19,856,167,000 | | 2. 股份分類 | 普通股 | 股份類別 | A | | 於香港聯交所上市 (註1) | | 否 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 601658 | 說明 | A股(上海證券交易所 ...

Group 1 - The core viewpoint of the articles highlights a continuing trend of insurance funds actively participating in the capital market through share acquisitions, with a total of 21 instances reported this year, surpassing the 20 instances recorded for the entirety of 2024 [1][2] - The surge in insurance companies' share acquisitions is attributed to adjustments in asset allocation strategies, driven by supportive policies aimed at encouraging long-term capital market investments [1][2] - In July alone, four insurance companies, including Lianan Life and Taikang Life, engaged in share acquisitions, indicating sustained enthusiasm among insurers [1] Group 2 - The companies targeted for acquisitions include major banks and various sectors such as public utilities, energy, transportation, and technology, with bank stocks being the most frequently acquired [2] - Ping An Life has notably acquired bank stocks seven times this year, with multiple instances of re-acquisition for Postal Savings Bank and Agricultural Bank [2] - The regulatory environment has significantly boosted insurance funds' market participation, with a reported fund utilization balance of 34.93 trillion yuan as of the end of Q1, reflecting a 5.03% increase from the end of 2024 [3] Group 3 - Recent policy adjustments by the Ministry of Finance aim to enhance the assessment of insurance fund performance, promoting a longer-term investment approach and increasing equity investment ratios [3] - The outlook for the second half of the year suggests that the trend of insurance funds acquiring shares will continue, supported by ongoing policy initiatives that facilitate long-term investments [3]

Core Viewpoint - The establishment of the "Beijing Canal Cornerstone Charity Trust" aims to alleviate the financial burden on families with special needs by providing subsidies for real estate trust setup costs, particularly focusing on transaction taxes, with a maximum subsidy of 20,000 yuan per household [1][6]. Group 1: Trust Establishment and Purpose - The "Beijing Canal Cornerstone Charity Trust" was initiated to support families with special needs in Beijing by subsidizing the costs associated with establishing real estate trusts [1][5]. - The trust is a collaborative effort involving the Tongzhou District Civil Affairs Bureau, local citizens, and the Beijing Huizhong Charity Foundation, with Hua Bao Trust acting as the trustee [1][6]. Group 2: Special Needs Population Statistics - As of November 2024, there are approximately 35 million disabled elderly individuals in China, accounting for 11.6% of the total elderly population, with projections indicating this number could rise to 46 million by 2035 [2]. - The estimated population of individuals with intellectual disabilities in China ranges from 12 million to 20 million [2]. Group 3: Regulatory Framework and Implementation - The introduction of the "Notice on Regulating Trust Companies' Trust Business Classification" has led to increased interest in special needs trusts, particularly those involving real estate, as a means of ensuring long-term care and asset protection for vulnerable populations [3]. - The State Council approved a plan to explore the establishment of a registration mechanism for trust assets, including real estate and equity, under controlled risks [3]. Group 4: Financial Implications and Challenges - The current tax structure poses challenges for families establishing real estate trusts, as the tax rates on trust property transfers are higher than those for direct personal ownership, along with annual property taxes and capital gains taxes upon property disposal [5][6]. - The establishment of the charity trust is seen as a beneficial exploration of government guidance and social participation in addressing public welfare issues [6]. Group 5: Trust Management and Oversight - Hua Bao Trust will manage the trust assets professionally and prudently, ensuring that funds are used specifically for the intended subsidies [7]. - The China Postal Savings Bank will securely manage the trust funds and ensure timely disbursement to eligible families [7].