每经AI快讯，1月5日，邮储银行（601658）(601658.SH)公告称，公司2025年半年度利润分配方案为每 10股派发现金红利1.23元，共计派发现金红利147.72亿元，其中派发A股现金红利123.29亿元。股权登记 日为2026年1月9日，除权(息)日和现金红利发放日均为2026年1月12日。此次利润分配不进行资本公积 金转增股本。 ...

中国邮政储蓄银行股份有限公司2025年半年度权益分派实施公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或者重大遗 漏，并对其内容的真实性、准确性和完整性承担法律责任。 重要内容提示： 每股分配比例 证券代码：601658 证券简称：邮储银行 公告编号：2026-001 A 股每股现金红利0.1230元人民币（含税） 相关日期 | 股份类别 | 股权登记日 | 最后交易日 | 除权（息）日 | 现金红利发放日 | | --- | --- | --- | --- | --- | | Ａ股 | 2026/1/9 | － | 2026/1/12 | 2026/1/12 | 差异化分红送转： 否 一、 通过分配方案的股东会届次和日期 本次利润分配方案经中国邮政储蓄银行股份有限公司（以下简称本行）2025 年 12 月 19 日的2025 年第三次临时股东会审议通过。 二、 分配方案 截至股权登记日下午上海证券交易所收市后，在中国证券登记结算有限责任公司上海分 公司（以下简称中国结算上海分公司）登记在册的本行全体股东。 3. 分配方案： 2025 年半年度利润分配以方案实施前的本行普通股总股本1 ...

格隆汇1月5日丨邮储银行(601658.SH)公布2025年半年度权益分派实施公告，2025年半年度利润分配以 方案实施前的本行普通股总股本120,095,053,492股为基数，每股派发现金红利0.1230元人民币(含税)， 共计派发现金红利14,771,691,579.52元人民币(含税)；其中A股普通股股本100,238,886,492股，派发A股 现金红利12,329,383,038.52元人民币(含税)。 本次权益分派股权登记日为：2026年1月9日，除权除息日为：2026年1月12日。 ...

Group 1 - The People's Bank of China conducted a 365 billion yuan 7-day reverse repurchase operation, resulting in a net withdrawal of 433.6 billion yuan [1] - The People's Bank of China issued the "Non-Bank Payment Institutions Classification Rating Management Measures" to enhance supervision of non-bank payment institutions, effective from February 1, 2026 [2] - In 2025, the banking sector saw a net increase of 623 physical bank branches, marking the first positive growth in three years despite the closure of 7,871 branches [3] Group 2 - Ten digital RMB operating banks announced that starting January 1, 2026, they will pay interest on digital RMB wallets at the same rate as their demand deposit rates [4] - Chengdu Rural Commercial Bank announced that its total assets have surpassed 1 trillion yuan, becoming the fifth rural commercial bank in China to reach this milestone [5] - Xinjiang Bank received approval to increase its registered capital from 7.906 billion yuan to 12.222 billion yuan [6] Group 3 - Baoding Bank's plan to change its registered capital was approved, allowing it to raise 250 million shares [7] - Ningbo Tongshang Bank was approved to issue capital instruments not exceeding 2 billion yuan, including perpetual bonds and subordinated bonds [8][9] - The Dongguan Financial Regulatory Bureau and other departments will pilot real estate trust property registration in Dongguan to support the transformation of the trust business [10] Group 4 - New Era Trust's 100% equity is being offered for transfer for the third time, with a base price of approximately 1.851 billion yuan, consistent with previous offers [11]

Core Insights - The article discusses how various banks are launching year-end bonus investment plans to help investors manage their funds effectively in the current market environment, focusing on safety and yield enhancement [1][2]. Group 1: Investment Strategies - Multiple banks, including Postal Savings Bank, Guangfa Bank, and Everbright Wealth, are promoting "one-stop" investment solutions for year-end bonuses, emphasizing a stable and low-volatility approach [1][2]. - Guangfa Bank offers a tiered asset allocation strategy categorized as conservative, stable, and aggressive, aligning with different risk appetites and return expectations of investors [1]. - Everbright Wealth suggests dividing the year-end bonus into three segments based on usage: short-term living expenses, medium-term expenditures, and long-term growth, each linked to specific low-risk fixed-income products [2]. Group 2: Product Offerings - Postal Savings Bank and Bank of Communications are also actively participating in the year-end bonus investment market, with Postal Savings Bank providing tailored low-risk products based on different usage scenarios [2]. - Bank of Communications has enhanced its offerings by including insurance and precious metals alongside its stable mid-term investment products, broadening the "one-stop" investment matrix [2]. - The main focus of the products is on PR1 to PR2 risk levels, with only a few higher-risk options appearing in fund recommendations, indicating a conservative investment climate [2]. Group 3: Expert Recommendations - Analysts recommend a combined approach of "designated funds for specific uses" and "diversified allocation" to meet various financial needs, ensuring liquidity and safety for short-term needs while considering long-term growth through appropriate insurance products [3]. - Investors are advised to analyze their financial situations, risk tolerance, and funding needs before customizing their year-end bonus investment plans, taking into account income stability and market trends [2][3].

1月4日金融一线消息，国家金融监督管理总局发布关于中国邮政储蓄银行股份有限公司吸收合并中邮邮 惠万家银行有限责任公司的批复，同意中国邮政储蓄银行股份有限公司吸收合并中邮邮惠万家银行有限 责任公司，并承接其清产核资后的资产、负债、业务和员工，中邮邮惠万家银行有限责任公司解散。 国家金融监督管理总局表示，中国邮政储蓄银行股份有限公司应严格按照有关法律法规要求办理吸收合 并事宜，并督促中邮邮惠万家银行有限责任公司完成法人机构终止相关事宜。吸收合并自本批复之日起 6个月内完成，吸收合并工作接受金融监管总局的监督指导。 国家金融监督管理总局关于中国邮政储蓄银行股份有限公司吸收合并中邮邮惠万家银 行有限责任公司的批复 中国邮政储蓄银行股份有限公司、中邮邮惠万家银行有限责任公司: 《中国邮政储蕃银行股份有限公司 中邮邮惠万家银行有限责任公司关于中国邮政储蓄银行股份有限 公司吸收合并中邮邮惠万家银行有限责任公司及中邮邮惠万家银行有限责任公司解散的请示》（邮银请 [2025] 60号) 收悉。经审核, 现批复如下: 一、同意中国邮政储蓄银行股份有限公司吸收合并中邮邮惠万家银行有限责任公司，并承接其清产 核资后的资产、负债、业务 ...

责任编辑：曹睿潼 1月4日金融一线消息，国家金融监督管理总局四川监管局行政处罚信息公开表显示，邮储银行成都武侯 区支行原员工张维因相关贷款业务严重失职，被禁止从事银行业工作5年。 | 序 | 当事人名称 | 主要违法违规 | 行政处罚内容 | 作出决定机关 | | --- | --- | --- | --- | --- | | 륵 | | 行为 | | | | 1 | 邮储银行成都 | 相关贷款业务 | 对张维禁止从事银行 | 国家金融监督 管理总局四川 | | | 武侯区支行原 | 严重失脱 | ル工作5年 | | | | 员工张维 | | | 监管局 | 责任编辑：曹睿潼 1月4日金融一线消息，国家金融监督管理总局四川监管局行政处罚信息公开表显示，邮储银行成都武侯 区支行原员工张维因相关贷款业务严重失职，被禁止从事银行业工作5年。 ...

Core Insights - A significant trend observed in 2025 is the increase in large fines imposed on banks, reflecting compliance shortcomings and risk points during the transition to high-quality development in the banking industry [2][16] - In 2025, regulatory authorities issued a total of 454 fines exceeding one million yuan to banking institutions and personnel, an increase of 58 from the previous year, with the total amount of fines nearly doubling [2][16] - The main areas of violations in 2025 were concentrated in credit business, anti-money laundering, and internal control systems, with anti-money laundering violations seeing the most notable increase, reaching 894 fines, a rise of 185.09% compared to the previous year [2][16] Summary of Fines Over 20 Million Yuan - In 2025, there were 12 fines disclosed with amounts exceeding 20 million yuan, primarily related to compliance management issues in traditional business areas such as loans and bills, indicating deficiencies in basic business risk control and regulatory cooperation [4][17] - Common violations included issues with account management and anti-money laundering, highlighting flaws in customer identity verification and transaction monitoring processes [3][17] Summary of Fines Between 10 Million and 20 Million Yuan - This category of fines predominantly involved joint-stock banks, reflecting a conflict between business innovation and compliance management [6] - Violations were mainly related to compliance operations (account and anti-money laundering) and business management (internet loans and agency sales), with cross-border foreign exchange violations being a secondary concern [7] Summary of Fines Between 5 Million and 10 Million Yuan - Fines in this range were primarily concentrated among city commercial banks, joint-stock banks, and rural commercial banks [10] - The most common violations included anti-money laundering and customer identity verification issues, alongside traditional problems related to credit "three checks" failures [10]

Group 1 - From January 1, 2026, digital RMB real-name wallet balances will earn interest based on the current demand deposit rate set by the respective banks, which is currently 0.05% [1] - The digital RMB is categorized into four types of wallets, with only the first three types (real-name wallets) eligible for interest, while the fourth type (anonymous wallet) will not earn interest [1] - The interest will be calculated according to the People's Bank of China’s demand deposit interest rules, with interest credited on the 20th of each quarter's last month [1] Group 2 - There are currently 10 designated operating institutions for digital RMB, including six state-owned commercial banks, two joint-stock commercial banks, and two internet banks [2] - The central bank is working on expanding the number of operating institutions and has introduced a new action plan to enhance the management and service system for digital RMB, set to be implemented on January 1, 2026 [2] - Banks will manage the digital RMB wallet balances autonomously and provide the same level of security as traditional deposits through deposit insurance [2]

邮储银行永城市支行负责人表示，社区是金融服务的"最后一公里"。此次活动是支行践行"我为群众办 实事"、履行国有大行社会责任的重要举措。未来，该支行将继续深化与社区、政府部门的协作，推动 金融服务进一步贴近居民生活，助力智慧社区建设和公共服务数字化。 来源：环球网 活动当天，邮储银行永城市支行在月季社区活动中心设立宣传服务点，悬挂宣传横幅，布置展板、发放 宣传折页，营造了浓厚的惠民服务氛围。针对社区老年居民较多的特点，支行选派经验丰富、沟通耐心 的工作人员提供"一对一"指导，切实帮助居民解决实际使用难题。 现场，工作人员手把手指导居民申领和激活电子社保卡，围绕社保查询、医保结算、养老金发放等功能 进行详细讲解，结合真实案例说明电子社保卡的安全性，消除居民使用疑虑。服务团队还结合近期多发 的电信诈骗案例开展金融知识微讲堂，向居民揭露"养老诈骗""虚假投资"等常见骗局，并普及个人征信 保护、存款保险、理性理财等知识，引导居民增强金融风险防范意识，守好"钱袋子"。 近日，邮储银行永城市支行携手该市人力资源和社会保障局以及月季社区居委会，共同开展"金融知识 进社区"暖冬专项行动。活动以电子社保卡推广为重点，融合金融知识 ...