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].

A股市场银行股普涨，其中，江苏银行、杭州银行、江阴银行、渝农商行涨超2%，中国银行、成都银 行涨近2%。值得注意的是，邮储银行创历史新高。 责任编辑：栎树 | 代码 | 名称 | 涨幅% ↓ | 总市值 | 年初至今涨幅% | | --- | --- | --- | --- | --- | | 600919 | 江苏银行 | 2.61 | 2092亿 | 21.94 | | 600926 | 杭州银行 | 2.32 | 1185亿 | 13.76 | | 002807 | 江阴银行 | 2.04 | 123亿 | 20.15 | | 601077 | 渝农商行 | 2.00 | 752亿 | 14.69 | | 601988 | 中国银行 | 1.98 | 18269亿 | 7.50 | | 601838 | 成都银行 | 1.88 | 783亿 | 13.12 | | 601187 | 厦门银行 | 1.49 | 180亿 | 23.97 | | 002958 | 青农商行 | 1.45 | 194亿 | 18.81 | | 600928 | 西安银行 | 1.30 | 173亿 | 10.36 | | 6 ...

Core Insights - The A-share market saw a broad increase in bank stocks, with notable gains from Jiangsu Bank, Hangzhou Bank, Jiangyin Bank, and Chongqing Rural Commercial Bank, all rising over 2%. Postal Savings Bank reached a historic high [1] Summary by Category Stock Performance - Jiangsu Bank increased by 2.61%, with a total market capitalization of 209.2 billion and a year-to-date increase of 21.94% [2] - Hangzhou Bank rose by 2.32%, with a market cap of 118.5 billion and a year-to-date increase of 13.76% [2] - Jiangyin Bank saw a 2.04% increase, with a market cap of 12.3 billion and a year-to-date increase of 20.15% [2] - Chongqing Rural Commercial Bank grew by 2.00%, with a market cap of 75.2 billion and a year-to-date increase of 14.69% [2] - China Bank increased by 1.98%, with a market cap of 1,826.9 billion and a year-to-date increase of 7.50% [2] - Chengdu Bank rose by 1.88%, with a market cap of 78.3 billion and a year-to-date increase of 13.12% [2] - Other banks such as Xiamen Bank, Qingnong Commercial Bank, and Xi'an Bank also showed positive performance, with increases ranging from 1.30% to 1.49% [2]

Core Points - Postal Savings Bank of China (PSBC) has launched the "Huitongban" mini-program in collaboration with the Jixian County government to provide convenient financial services for individuals with entrepreneurial intentions and employment needs [1] - The mini-program allows applicants to submit re-employment guarantee loan applications online, streamlining the process and reducing the need for in-person visits [1] - The loan limit has been increased to 300,000 yuan, and interest rates are adjusted in line with the People's Bank of China's Loan Prime Rate (LPR) to alleviate repayment burdens for applicants [1] Summary by Sections Financial Services Innovation - The "Huitongban" mini-program enables online submission of loan applications, avoiding repeated document submissions and enhancing efficiency [1] - The initiative aims to bridge the service gap for the community, ensuring that financial services are accessible without the need for physical visits [1] Loan Policy Enhancements - The maximum loan amount for re-employment guarantee loans has been raised to 300,000 yuan, addressing the funding pressures faced by entrepreneurs [1] - Interest rates for these loans are now aligned with the LPR adjustments, providing tangible benefits to applicants [1] Promotion and Outreach - PSBC has engaged in multi-channel promotional activities in partnership with the county government to raise awareness about the mini-program and loan policies [1] - Efforts include utilizing government websites, social media, and direct outreach to communities and entrepreneurial zones to educate potential applicants [1] Impact and Results - Since the launch of the "Huitongban" mini-program, over 4.4 million yuan in loans have been disbursed, supporting more than 30 entrepreneurs [2]

Core Viewpoint - China Ping An has significantly increased its holdings in Agricultural Bank and China Life H shares, spending approximately HKD 465 million in total [2][3]. Group 1: Investment Activities - On August 13, Ping An Life purchased 26.515 million shares of Agricultural Bank H shares at an average price of HKD 5.5041 per share, totaling about HKD 146 million, raising its stake from 13.99% to 14.08% [4]. - On the same day, Ping An Life also acquired 14.067 million shares of China Life H shares at an average price of HKD 22.7439 per share, costing approximately HKD 319 million, increasing its holding from 4.99% to 5.18% [4]. - On August 18, Ping An Life disclosed its previous acquisition of China Pacific Insurance H shares on August 11, raising its stake from 4.97% to 5.1% [4]. - Throughout 2023, Ping An has actively increased its stakes in various banks and insurance companies, including Postal Savings Bank, China Merchants Bank, and others [5]. Group 2: Market Trends - The insurance capital has shown a high-frequency trend in acquiring H shares of banks and insurance companies, with over 30 instances of acquisitions this year, focusing on undervalued, high-dividend, and stable performance sectors [8]. - As of the end of Q2, the total balance of insurance funds reached CNY 36.23 trillion, a 3.73% increase from Q1, with stock investments rising to CNY 3.07 trillion, an 8.9% increase from CNY 2.81 trillion in Q1 [8].

沪指8月19日下跌0.02%，申万所属行业中，今日上涨的有18个，涨幅居前的行业为综合、通信，涨幅 分别为3.48%、1.87%。银行行业今日上涨0.13%。跌幅居前的行业为非银金融、国防军工，跌幅分别为 1.64%、1.55%。 资金面上看，两市主力资金全天净流出618.30亿元，今日有6个行业主力资金净流入，家用电器行业主 力资金净流入规模居首，该行业今日上涨0.87%，全天净流入资金21.75亿元，其次是食品饮料行业，日 涨幅为1.04%，净流入资金为19.81亿元。 银行行业资金流向排名 | 代码 | 简称 | 今日涨跌幅（%） | 今日换手率（%） | 主力资金流量（万元） | | --- | --- | --- | --- | --- | | 601988 | 中国银行 | 2.02 | 0.21 | 37971.22 | | 601398 | 工商银行 | 0.53 | 0.13 | 19117.53 | | 601166 | 兴业银行 | -0.31 | 0.22 | 9272.80 | | 600000 | 浦发银行 | 0.37 | 0.16 | 8665.78 | | 601658 | ...

"有了这些钱，资金短缺问题一下就解决了。正好还能赶上一波好行情，真是太感谢邮储银行了！"赵先 生高兴地说道。 赵先生是樟树市某养殖合作社的负责人，主要经营家禽养殖，最近，刘先生急需一笔资金进行养殖场扩 张。该行的客户经理在走访辖内养殖户时，了解到这个情况，马上向其介绍了邮储银行"产业贷"，通过 积极沟通、实地调查，仅用了3个工作日便为赵先生发放了"产业贷"50万元。 据悉，该行已累计为1200余户普惠型小微企业提供信贷支持，贷款资金主要用于企业原材料采购、设备 更新、产能扩张等生产经营环节，有效助力企业渡过难关、稳健发展。下一步，该行将继续加大普惠型 小微企业贷款投放力度，不断优化服务流程，持续提升小微企业金融服务的可得性与便利性，为当地经 济高质量发展贡献更多邮储力量。(皮茵娜 李冬) 近年来，邮储银行樟树市支行始终将普惠金融服务深度融入地方经济发展大局，在支持普惠型小微企业 方面成效显著。截至目前，该行普惠型小微企业贷款余额达10.56亿元，本年度新增投放8757万元，以 实实在在的金融"活水"为当地小微企业注入了强劲发展动能。 作为服务地方实体经济的重要金融力量，该行深知小微企业是经济的"毛细血管"，其 ...