| 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | | --- | --- | --- | --- | --- | --- | --- | | 601658 | 邮储银行 | 5.76 | 1.77% | 213.64万 | | 12.20亿 | | 666109 | 建设银行 | 9.55 | 1.38% | 142.99万 | | 13.62亿 | | 601288 | 农业银行 | 6.39 | 0.95% | 542.75万 | | 34.80 Z | | 601398 | 工商银行 | 7.68 | 0.79% | 448.28万 | | 34.55 Z | | 601328 | 交通银行 | 7.66 | 0.66% | 210.09万 | | 16.14亿 | | 601988 | 中国银行 | 5.58 | 0.54% | 328.23万 | | 18.35 Z | 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8.14亿元，游资资金净流出6.41亿元，散户资 金净流出1.73亿元。国有大型银行板块个股资金流向见下表： | 代码 | 名称 | 主力净流 ...

7月31日，国务院总理李强主持召开国务院常务会议，会议就实施个人消费贷款贴息政策与服务业经营 主体贷款贴息政策进行部署。 会议指出，对个人消费贷款和服务业经营主体贷款进行贴息，有利于通过财政金融联动的方式，降低居 民信贷成本和服务业经营主体融资成本，更好激发消费潜力、提升市场活力。要抓好贴息政策组织实 施，加强部门协同，简化办理手续，推动政策尽快落地，同时严格监管提高资金使用效益，确保财政资 金用好用到位。 业内专家认为，对个人消费贷款与服务业经营主体贷款进行贴息的政策，可以视作金融领域的"国 补"。"对于有切实消费需求的居民而言，能够有效减轻其信贷负担，而对于服务业经营主体贷款的贴息 政策，则是对服务型消费加大支持力度的重要体现。"素喜智研高级研究员苏筱芮认为。 中国银行相关负责人认为，两项贷款贴息政策将从需求和供给两端发力，强化与金融政策协同，进一步 助力提振消费、扩大内需。 "后续，中国银行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，推动政策红利直达广大消费者和服务业经营主体，为激发国内消费潜力贡献金融力量。"上述负责 人说。 建设银行表示，该行认真贯彻落实党中央、国 ...

本文源自：金融界 作者：情报员 金融界2025年8月4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申请一项名 为"数据的测试方法、装置、计算机程序产品和数据生成系统"的专利，公开号CN120408114A，申请日 期为2025年04月。 专利摘要显示，本申请提供了一种数据的测试方法、装置、计算机程序产品和数据生成系统。该方法包 括：获取源数据集；根据Kolmogorov‑Smirnov算法，确定源数据集的分布类型；采用rvs生成函数，根 据源数据集生成符合分布类型的标准测试数据集，其中，标准测试数据集的数据量大于源数据集的数据 量；采用标准测试数据集进行自动化测试，得到测试结果；将测试结果发送至金融机构，以使得金融机 构基于测试结果进行业务优化。 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。 ...

金融界2025年8月4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申请一项名 为"软件系统的非功能测试方法、装置和电子设备"的专利，公开号CN120407408A，申请日期为2025年 04月。 专利摘要显示，本申请提供了一种软件系统的非功能测试方法、装置和电子设备。该方案中，获取步 骤，获取待测试软件的系统信息；匹配步骤，将待测试软件的系统信息与RAG知识库中的非功能测试 规则进行匹配，得到非功能测试明细；生成步骤，根据非功能测试明细生成非功能测试用例；执行步 骤，执行非功能测试用例以对待测试软件进行非功能测试，且在进行非功能测试的过程中收集测试覆盖 率；补充步骤，基于测试覆盖率生成补充测试用例，并将补充测试用例补充至非功能测试用例中；重复 步骤，重复依次执行执行步骤和补充步骤至少一次，直到测试覆盖率高于预设测试覆盖率。本方案解决 了现有技术中关于软件系统非功能测试的方案仍有局限的问题。 本文源自：金融界 作者：情报员 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 ...

Group 1 - Extreme weather in Beijing has caused significant flooding and landslides, affecting over 300,000 people and resulting in major casualties and property damage [1] - Banks in Beijing have activated emergency response mechanisms to ensure timely financial support for disaster relief and recovery efforts [1][2] - China Development Bank Beijing Branch provided an emergency loan of 300 million yuan to support disaster relief efforts [1] Group 2 - Agricultural Bank of China Beijing Branch opened a green channel for emergency funds, completing the entire process in just two and a half hours to support rescue operations [1] - Traffic Bank Beijing Branch prioritized emergency financial services for flood relief and ensured smooth processing of emergency fund requests [2] - China Bank Beijing Branch provided 400 boxes of mineral water to support rescue personnel on the front lines [2] Group 3 - Banks are actively engaging with affected communities to assess financial needs and provide comprehensive support for post-disaster recovery [3] - Industrial and Commercial Bank of China launched targeted credit products to assist residents in repairing homes affected by the disaster [3] - Agricultural Bank of China is implementing various relief policies, including loan extensions and interest reductions, to support small businesses and farmers [3][4] Group 4 - Minsheng Bank Beijing Branch is increasing online loan applications to support disaster recovery and has partnered with local agricultural financing institutions for targeted financial solutions [5] - China Bank Beijing Branch provided non-repayment loans to a severely affected ecological agriculture company to assist with cash flow issues [5][6] - Citic Bank Beijing Branch is actively reaching out to local businesses to understand their financial needs and provide necessary support [6]

Core Insights - Postal Savings Bank of China leverages its "four flows integration" resources to support the lychee industry, contributing to rural revitalization [1] Group 1: Financial Support and Services - The Postal Savings Bank of China provides a comprehensive financial service package to support lychee farmers and businesses, addressing their funding needs [3] - The bank's Maoming branch has issued loans totaling 863 million yuan to the lychee industry by June 2025, enhancing the financial ecosystem for local farmers [3] - A specific case highlights that a loan of 500,000 yuan enabled a farmer to build a cold storage facility, significantly improving both yield and income [4] Group 2: Operational Insights - Maoming City, a major lychee production area in Guangdong, has around 1.4 million acres dedicated to lychee cultivation, with one company selling approximately 75,000 pounds of lychee daily during peak season [2] - The bank's proactive approach includes direct engagement with farmers and businesses to understand their operational challenges and financial needs [2][3] - The bank collaborates with local agricultural authorities to train new farmers and promote rural e-commerce, with 560 individuals trained and 46 rural e-commerce leaders incubated [3] Group 3: Sales Channel Development - The Postal Savings Bank of China actively assists in expanding sales channels for lychee products by coordinating with local postal services to provide integrated logistics solutions [4] - The bank's efforts in combining financial services with e-commerce and logistics have facilitated the distribution of lychee products nationwide, benefiting local farmers [4]

Core Viewpoint - Postal Savings Bank of China (PSBC) is actively supporting private enterprises in Guangdong, enhancing their innovation and growth through financial services, particularly focusing on technology-driven companies like Wangsi Technology Group [1][2]. Group 1: Financial Support for Private Enterprises - Wangsi Technology Group received substantial credit support from PSBC's Guangzhou branch, which will aid in deepening technology research and expanding business areas [1]. - PSBC Guangdong branch is recognized as a key player in supporting the private economy, contributing to economic stability, job creation, and innovation [1][3]. Group 2: Technology Financing Initiatives - PSBC Guangdong branch has established a specialized team for technology finance, focusing on high-tech sectors such as artificial intelligence and digital twin technology [2]. - The bank has developed various financing products, including "Large Science and Technology Loans," to address the funding needs of technology enterprises, with over 8,100 technology companies served and a loan balance exceeding 36.7 billion yuan, reflecting a 37% year-on-year increase [3]. Group 3: Support for International Expansion - PSBC is facilitating the international expansion of quality enterprises in Guangdong by providing a comprehensive range of cross-border financial services, including trade financing and currency risk management [4]. - Specific case examples include a toy manufacturing company in Chaozhou that received a 10 million yuan credit line to explore new market channels, demonstrating the bank's responsiveness to market challenges [4]. Group 4: Future Focus - The bank plans to continue its focus on supporting private, small, and technology-driven enterprises, implementing initiatives to empower high-quality development in the private sector [5].

Core Points - The article discusses a pilot program initiated by the People's Bank of China in Sanming City, Fujian Province, aimed at enhancing transparency in corporate loan financing costs through a "Loan Clarity Paper" [1][2][3] - The program has led to a significant reduction in comprehensive financing costs for businesses, with an example showing a decrease from 3.2% to 2.95% due to the bank covering assessment fees [1][2] - The initiative has resulted in 984 "Loan Clarity Papers" being filled out, involving loans totaling 2.533 billion yuan by the end of June [1][2] Summary by Sections Loan Cost Transparency - The "Loan Clarity Paper" provides a detailed breakdown of all loan-related costs, including interest rates, guarantee fees, assessment fees, and registration fees, allowing businesses to understand their total financing costs [2] - The pilot program has addressed the long-standing issue of businesses only being aware of interest rates without understanding the total costs involved [2] Financial Service Improvement - The People's Bank of China in Sanming has encouraged banks to optimize services and reduce fees, leading to a decrease in the average interest rate for new loans to 3.49%, down 0.6 percentage points year-on-year [3] - Specific cases illustrate how banks have proactively engaged with businesses to lower financing costs, such as a manufacturing company that reduced its loan rate to 3.21% through a "no repayment" loan option [3] Future Directions - The People's Bank of China in Sanming plans to continue guiding banks to ensure that loan-seeking enterprises are well-informed, aiming to further reduce comprehensive financing costs and create a conducive monetary environment for high-quality local economic development [4]

Group 1 - The core viewpoint of the articles highlights the significant role of Postal Savings Bank in supporting local agricultural development and rural revitalization through tailored financial services [1][2][3] - The success story of Ye Shifu, a local farmer, illustrates how access to loans from Postal Savings Bank enabled him to expand his peach orchard from 20 acres to over 60 acres, achieving annual sales of nearly 1 million yuan [1][2] - The bank has implemented a "three-level linkage + postal banking collaboration" service model to enhance efficiency in loan processing and provide comprehensive financial services to rural areas [2] Group 2 - As of now, the Postal Savings Bank has issued nearly 10 billion yuan in small loans to over 35,000 farmers in Longnan [3]

Group 1 - Postal Savings Bank of China in Yongfeng County actively supports grain acquisition by providing timely financial assistance to ensure farmers' income and the liquidity of grain processing companies [1][2] - The bank's "Grain Acquisition Loan" service was initiated to address the urgent funding needs of local grain purchasing enterprises, enabling them to secure cash flow during peak acquisition periods [1][2] - Since the start of the summer grain acquisition season, the bank has provided credit support to over 15 grain purchasing enterprises and individual businesses, with a total of more than 10 million yuan in special loans disbursed [2]