金融服务送到家，安全防护不能少。活动现场，银行工作人员结合真实案例，向工友们细致讲解电 信诈骗、非法集资的常见套路和防范办法。值得一提的是，新办银行卡不仅默认设置了单日交易限额， 还自动开通盗刷险，从技术层面为资金安全上了"双保险"。"听了案例才知道骗子这么多花样，有了这 些防护措施，咱干活也更踏实。" 李大哥的话道出了工友们的心声。 小小的银行卡，连接着民生冷暖；移动的服务点，传递着金融温度。从工地到社区，从城市到乡 村，邮储银行郴州市分行的普惠金融的触角不断延伸，正让更多像张师傅、李大哥这样的劳动者，在辛 勤付出的同时，感受到贴心的保障与关怀。 据了解，邮储银行郴州市苏仙区人民东路支行已通过上门服务为 180余户工人办理工资代发业务， 每月累计代发百余万元工资，规范的发放流程、专业的服务保障，让工资发放既高效又安全。接下来， 该行还将把"流动银行"开进更多建设工地、偏远社区和乡村，用科技赋能普惠金融，让便捷、安全的金 融服务触手可及，切实提升劳动者的获得感与幸福感。 责任编辑：袁浩 "以前办张银行卡得专门请假跑银行，现在工地里十来分钟就办好，还能学到防范金融诈骗知识， 真是把贴心的服务送到了咱心坎上。"8 ...

海原县是宁夏农业大县，肉牛产业是海原县实现乡村振兴和农民增收的关键产业。近年来，在市场 需求增长和政策推动下，海原县肉牛产业发展迅速。中国人民银行中卫市分行引导金融机构聚焦肉牛产 业融资需求，加大信贷产品和服务优化力度，强化银企对接，推动产业转型升级，取得了积极成效。截 至2025年6月末，海原县肉牛养殖出栏4.99万头，同比增长18.2%；肉牛产业贷款余额16.3亿元，占海原 县涉农贷款余额的16%，占中卫市肉牛贷款总额的38.10%。 构建白名单制 精准对接资金需求 结合宁夏"六新六特六优"产业、海原县"一主四特"产业发展思路，中国人民银行中卫市分行指导海 原县多家金融机构重点围绕肉牛等优质特色产业，制定工作方案，依据肉牛养殖规模、经营状况、信用 记录等指标，建立企业和养殖户白名单，名单内主体可享受优先信贷审批、利率优惠等政策。海原农村 商业银行按照"家家种草、户户养牛、小群体、大规模"工作思路，加快推进整村授信系统农户信息采集 建档、评级授信工作，在此基础上对"授信村"的信用农户和种养殖业大户，全面推广"黄河e贷"线上产 品，给予养殖户30万元以内、免担保、免抵押、优惠利率授信额度，并提供7×24小时、 ...

格隆汇8月21日｜A股市场银行股普涨，其中，青岛银行涨超2%，中信银行、邮储银行、农业银行、民 生银行、沪农商行、华夏银行涨超1%。其中，邮储银行、农业银行再创历史新高。 ...

Core Insights - Postal Savings Bank of China issued 5 billion yuan in technology innovation bonds on August 19, with a total subscription multiple of 3.1 for fixed-rate bonds and 2.5 for floating-rate bonds [1] Group 1: Bond Issuance Details - The issuance included two types of bonds: a fixed-rate bond with a scale of 3 billion yuan, a term of 5 years, and a coupon rate of 1.82% [1] - The floating-rate bond had a scale of 2 billion yuan, a term of 3 years, and an issuance rate of 1.80% [1] - This issuance marks the first technology innovation bonds from Postal Savings Bank, with the floating-rate bond being the first of its kind in the market [1] Group 2: Fund Utilization - Proceeds from the bonds will be directed towards technology innovation sectors as outlined in the "Five Major Articles of Finance" statistical system [1] - The funds will support activities such as issuing loans for technology and investing in bonds issued by technology innovation enterprises [1]

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6.71亿元，游资资金净流出4.67亿元，散户资 金净流出2.04亿元。国有大型银行板块个股资金流向见下表： 证券之星消息，8月20日国有大型银行板块较上一交易日上涨0.7%，中国银行领涨。当日上证指数报收 于3766.21，上涨1.04%。深证成指报收于11926.74，上涨0.89%。国有大型银行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 601988 | 中国银行 | 5.67 | 1.98% | 584.58万 | 33.10亿 | | 601288 | 农业银行 | 7.08 | 0.85% | 475.16万 | 33.59 Z | | 601328 | 交通银行 | 7.54 | 0.40% | 131.15万 | 26886 | | 666109 | 建设银行 | 9.17 | 0.11% | 122.28万 | 11.24亿 | | 601398 | 工商银行 | 7.57 | 0.00% | 331 ...

Core Insights - Hubei Province has pioneered a dual-driven reform of commercial value credit loans for small and medium-sized enterprises (SMEs), addressing the financing difficulties faced by asset-light companies [1][2] - As of August 19, 2023, a total of 57.47 million enterprises have been registered, with 10,886 companies receiving bank credit amounting to 35.8 billion yuan, and a cumulative loan amount of 32.468 billion yuan [1][2] Group 1: Reform Implementation - The reform was initiated in April 2025 with the introduction of the "Implementation Measures for Commercial Value Credit Loans for SMEs in Hubei Province," focusing on "light assets, wide credit, and convenience" [2] - The loan model is based on quantifiable data such as tax payments, social security contributions, and business turnover, allowing companies to apply for loans ranging from 1 million to 10 million yuan without collateral or guarantees [2][3] Group 2: Impact on Loan Processing - The average loan approval time has been reduced to 2.84 days, with a weighted average interest rate of 3.49%, which is 0.41 percentage points lower than the provincial average for small and micro enterprises [3][4] - The reform has led to a significant increase in the number of enterprises receiving loans, with over 50% of borrowers being rated C and D, indicating that previously underserved SMEs are now gaining access to financing [5] Group 3: Case Studies and Benefits - The reform has resulted in faster loan disbursement, with some companies receiving funds as quickly as the next day after application [4] - For instance, a company named Hubei Wangke House Green Building Materials Co., Ltd. was able to secure a 5 million yuan loan within one hour of assessment, which helped them stabilize their market position [4] - The Postal Savings Bank of China has issued a total of 1.245 billion yuan in commercial value credit loans, serving 702 enterprises, demonstrating the effectiveness of the new financing model [4]

一是聚焦住房、汽车、大额消费、以旧换新等各类消费需求，做好金融服务。抓住稳楼市政策机遇，一 二手房并行发力，全力支持刚性及改善性购房需求；优化汽车金融服务，聚焦重点场景开展消费品以旧 换新活动，促动大额消费提升。二是促进惠民生与促消费有机结合，开展丰富多彩的营销活动。围绕餐 饮、购物、旅游、免税、政府消费券等民生领域开展系列促消费活动，聚焦主流互联网线上平台，加大 促绑、促活、促消费活动力度，"多点开花"促进快捷消费增长。三是丰富金融产品和服务体系，打造普 惠便捷的消费金融产品。优化消费信贷额度、期限、利率政策，增强居民"敢贷愿贷"信心，强化消费金 融数字赋能。 近期，该行正积极组织开展个人消费贷款与服务业经营主体贷款贴息政策落地实施工作，扎实推动政策 传导落地，全力确保国家政策红利及时、便捷、高效地惠及广大消费者，为提振消费信心、释放内需潜 能、服务经济高质量发展贡献邮储力量。 齐鲁晚报.齐鲁壹点通讯员吴力峰 今年以来，邮储银行（601658）临沂市河东区支行积极响应号召，充分发挥金融主力军作用，以创新举 措为消费市场注入强劲动力，全力助力提振消费，为区域经济发展添砖加瓦。截至7月底，今年累计投 放消费类贷 ...

Group 1 - The banking sector showed strong performance on August 20, with the bank ETF (512800) opening flat and then rising, reaching a peak increase of over 1% before settling at a 0.59% gain, indicating a bullish sentiment in the market [1] - All 42 bank stocks in A-shares experienced gains, with Jiangsu Bank, Hangzhou Bank, Jiangyin Bank, and Chongqing Rural Commercial Bank rising over 2%, while China Bank, Chengdu Bank, and Xiamen Bank increased by more than 1%, and Postal Savings Bank reached a historical high [1] - Foreign investment giant JPMorgan has expressed optimism about Chinese bank stocks, predicting further increases due to stable net interest margins and growth in fee income, with a potential upside of 15% for the A-share banking sector [1] Group 2 - The recent performance of the banking sector has been characterized by volatility since reaching a historical high in mid-July, influenced by factors such as strong prior gains leading to a phase of adjustment, increased short-term selling pressure from arbitrage strategies, and market dynamics [1] - Despite recent adjustments, institutional outlook remains positive, with Tianfeng Securities indicating that the long-term trend of valuation recovery for bank stocks is intact, supported by favorable funding conditions and an ongoing valuation recovery trend [1] - As of the end of July, the bank ETF (512800) had a fund size exceeding 14.4 billion yuan, with an average daily trading volume of over 600 million yuan, making it the largest and most liquid among the 10 bank ETFs in A-shares [1]

Core Points - China Postal Savings Bank successfully issued "2025 Technology Innovation Bonds (Phase I)" in the national interbank bond market, raising a total of RMB 5 billion to support loans in the technology innovation sector [1] - The bond issuance consists of two varieties: a 5-year fixed-rate bond and a 3-year floating-rate bond [2] Summary by Category Bond Structure - The total issuance scale is RMB 5 billion, with funds earmarked for technology innovation loans [1] - The first variety is a 5-year fixed-rate bond with an issuance amount of RMB 3 billion and a coupon rate of 1.82%, paid annually [2] - The second variety is a 3-year floating-rate bond with an issuance amount of RMB 2 billion and an initial coupon rate of 1.80%, with interest adjusted every three months and paid quarterly [2] Underwriting and Management - CITIC Securities Co., Ltd. acted as the lead underwriter and book manager for this bond issuance [1]

Core Viewpoint - The banking sector is experiencing a strong performance, with the bank ETF (512800) showing positive momentum and significant trading volume, indicating high investor sentiment [1][4]. Group 1: Market Performance - On August 20, the bank ETF (512800) opened strong and rose over 1% at one point, currently up 0.59%, aiming for a third consecutive daily gain, with a trading volume exceeding 500 million yuan within half a day [1]. - All 42 A-share bank stocks saw gains, with Jiangsu Bank, Hangzhou Bank, Jiangyin Bank, and Chongqing Rural Commercial Bank rising over 2%, while China Bank, Chengdu Bank, and Xiamen Bank increased by over 1% [2][3]. Group 2: Analyst Insights - JPMorgan's latest report is bullish on Chinese bank stocks, predicting further increases due to stable net interest margins and growth in fee income, with a potential upside of 15% for the A-share banking sector [3]. - Recent market adjustments since mid-July are attributed to strong prior gains, profit-taking strategies, and some shareholders reducing their stakes, but institutions remain optimistic about long-term valuation recovery [4]. Group 3: ETF Details - As of the end of July, the bank ETF (512800) had a fund size exceeding 14.4 billion yuan, with an average daily trading volume of over 600 million yuan, making it the largest and most liquid among 10 bank ETFs in A-shares [4]. - The bank ETF (512800) passively tracks the CSI Bank Index, which includes 42 listed banks in A-shares, serving as an efficient investment tool for tracking the overall banking sector [4].