Core Viewpoint - Major Chinese banks including Industrial and Commercial Bank of China, Agricultural Bank of China, Postal Savings Bank of China, Bank of Communications, and China Construction Bank will start paying interest on digital RMB wallet balances at the same rate as current deposit rates from January 1, 2026, marking a significant transition in the digital currency landscape in China [1][4][5] Group 1: Bank Announcements - Industrial and Commercial Bank of China, Agricultural Bank of China, and Postal Savings Bank of China will apply interest to digital RMB wallet balances according to the current deposit rate, with interest calculation rules consistent with those for current deposits [4] - Bank of Communications will also apply the current deposit rate to digital RMB wallet balances, including various types of personal and corporate wallets, while balances in type four wallets will not earn interest [4] - China Construction Bank will revise its customer service agreement to reflect that digital RMB wallet balances will earn interest based on the current deposit rate starting January 1, 2026 [4] Group 2: Digital RMB Framework - The People's Bank of China has introduced a plan to enhance the management and service system for digital RMB, which will officially implement a new measurement framework and operational mechanism on January 1, 2026 [5] - This transition signifies a shift from the "digital cash era" to the "digital deposit currency era" after a decade of research and pilot programs [5]

股份行向国有行输送核心高管再添一案例。12月30日晚，中信银行发布公告称，芦苇因工作调整，辞去 该行行长等职务，由董事长方合英代为履行行长职责。根据邮储银行此前发布的公告，芦苇获聘邮储银 行行长。 南都湾财社记者梳理银行业人事调整信息发现，近两年，国有行和股份行高管跨行流动颇为频繁。在专 家看来，这种流动体现了顶层设计在破除国有行与股份行制度壁垒、将银行考核从"存贷规模"转向"生 态价值"，以及激活金融创新动能等方面的考量，是中国金融业从"同质化竞争"迈向"差异化创新"的契 机。不过，对于跨行流动的干部而言，认知重构将是一大挑战。 芦苇"空降"邮储银行任行长 12月30日晚，中信银行发布公告称，董事会于近日收到执行董事、行长芦苇的辞呈。芦苇因工作调整， 辞去该行执行董事、行长、董事会风险管理委员会主席及委员、董事会战略与可持续发展委员会委员职 务。 芦苇是名副其实的"老中信人"。简历显示，他1971年10月出生，在中信银行任职20余年，从业经验丰 富。 具体来看，他于1997年1月进入中信银行总行营业部（现北京分行），在此后20年间，历任总行营业部 党委委员、总经理助理、副总经理，总行计划财务部（现财务会计部 ...

今年以来定增募资金额排名 | 代码 | 简称 | 募资金额（亿元） | 行业 | 代码 | 简称 | 募资金额（亿元） | 行业 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601988 | 中国银行 | 1650.00 | 银行 | 600886 | 国投电力 | 70.00 | 公用事业 | | 601658 | 邮储银行 | 1300.00 | 银行 | 301297 | 富乐德 | 69.73 | 电子 | | 601328 | 交通银行 | 1200.00 | 银行 | 600027 | 华电国际 | 68.56 | 公用事业 | | 601939 | 建设银行 | 1050.00 | 银行 | 000657 | 中钨高新 | 65.95 | 有色金属 | | 601456 | 国联民生 | 314.92 | 非银金融 | 600918 | 中泰证券 | 60.00 | 非银金融 | | 600292 | 远达环保 | 235.76 | 环保 | 688065 | 凯赛生物 | 59.26 | 基础化工 | | 302132 | 中航成 ...

Core Viewpoint - The personal operating loan interest rates have generally entered the "2" range, with some banks offering rates as low as 2.3%, driven by competition and a strategy of attracting customers through lower prices [1][4]. Group 1: Current Loan Rates - Many banks are now offering personal operating loan rates below 2.5%, with slight variations based on region and product type [1][2]. - For instance, the lowest rate for personal mortgage operating loans at one bank is 2.35%, with a loan term of 3 years and a credit limit of up to 30 million yuan [1]. - Another bank reports that the minimum rate for collateralized personal operating loans is 2.5%, while credit-based products start at 2.55% [2]. Group 2: Loan Approval Criteria - Borrowers must meet strict criteria, including having a local household registration and a minimum duration of social security payments [3]. - The collateral property must be within the local jurisdiction, not older than 35 years, and the borrower must have owned it for at least 3 months [3]. - Additionally, the borrowing entity must be a small or micro enterprise with a good credit record and normal operating cash flow [3]. Group 3: Market Dynamics and Risks - The current low interest rates are a result of multiple factors, including policy guidance, industry competition, and reduced funding costs for banks [4][5]. - While lower rates can stimulate demand and reduce interest expenses for borrowers, there are concerns about potential risks, such as narrowing interest margins and the possibility of unhealthy competition [4][5]. - Experts warn that aggressive pricing strategies could lead to a decline in banks' profitability and their ability to support the real economy effectively [4][5]. Group 4: Strategic Responses from Banks - Different banks have varying perspectives on the sustainability of low-interest operating loans, with some viewing it as a necessary strategy to gain market share despite thin margins [5][6]. - Larger banks may benefit from cross-selling additional services to clients attracted by low rates, while smaller banks face challenges in maintaining competitiveness without engaging in price wars [6][7]. - There is a call for financial institutions to adopt differentiated strategies and focus on enhancing product quality and service rather than solely competing on price [6][7].

证券代码：601658 证券简称：邮储银行 公告编号：临2025-067 中国邮政储蓄银行股份有限公司 关于召开2026年第一次临时 股东会的通知 中国邮政储蓄银行股份有限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： (一)股东会类型和届次 2026年第一次临时股东会 (二)股东会召集人 中国邮政储蓄银行股份有限公司（以下简称中国邮政储蓄银行或本行）董事会 (三)投票方式 本次股东会所采用的表决方式是现场投票和网络投票相结合的方式 (四)现场会议召开的日期、时间和地点 召开的日期时间：2026年1月19日 15点00分 召开地点：北京市西城区金融大街3号金鼎大厦A座 (五)网络投票的系统、起止日期和投票时间。 网络投票系统：上海证券交易所股东会网络投票系统 网络投票起止时间：自2026年1月19日 至2026年1月19日 采用上海证券交易所网络投票系统，通过交易系统投票平台的投票时间为股东会召开当日的交易时间 段，即9:15-9:25，9:30-11:30，13:00-15:00；通过互联网投票平台的投票时间为 ...

Core Viewpoint - The bank supervisory board system, in operation for nearly 30 years, is approaching its end as banks begin to abolish this structure in favor of audit committees, following new regulations from the China Securities Regulatory Commission (CSRC) and the Financial Regulatory Bureau [2][3][4]. Regulatory Framework for Reform - The new Company Law, effective from July 2024, allows financial institutions to replace supervisory boards with audit committees, fundamentally changing the requirement for supervisory boards as mandatory entities [3][4]. - The Financial Regulatory Bureau has issued policies that support the transition, allowing financial institutions to choose between retaining supervisory boards or establishing audit committees to perform supervisory functions [3][4]. Differences in Implementation - There is a differentiation in the approach to abolishing supervisory boards between listed and non-listed banks, with listed banks required to eliminate supervisory boards by 2026, while non-listed banks have the option to retain them [4][5]. - Major state-owned banks have already initiated the process of abolishing supervisory boards, with the five largest banks voting to remove them in April 2025 [5]. Effectiveness and Challenges of Supervisory Boards - The supervisory board has been criticized for its lack of independence, professionalism, and efficiency, often leading to overlapping functions and ineffective oversight [6][7]. - The costs associated with maintaining a supervisory board are significant, with estimates suggesting that listed banks could save millions annually by abolishing this structure [7]. Transition Paths for Supervisory Board Members - Former supervisory board members may transition to roles within the audit committee, take on positions in other financial institutions, or retire from the industry [8]. - The governance mechanism is expected to become more efficient, with fewer decision-making layers and a more direct oversight structure through audit committees [8].

Group 1 - The core point of the article is the resignation of Lu Wei as the President of CITIC Bank due to work adjustments, and his subsequent appointment as the President of Postal Savings Bank [2][4][5] - CITIC Bank's announcement highlights Lu Wei's 26 years of service, where he held various key positions and made significant contributions to the bank's financial management, capital replenishment, and international development [4] - Lu Wei, aged 54, has had a diverse career within CITIC Bank, including roles such as Deputy General Manager of the Beijing Branch and Secretary of the Board, before becoming the youngest Vice President in April 2021 [4] Group 2 - Lu Wei has officially taken up the role of President at Postal Savings Bank, following the board's decision on December 26, pending approval from the National Financial Regulatory Administration [5] - The previous President of Postal Savings Bank, Liu Jianjun, resigned due to reaching the statutory retirement age, effective immediately [5] - Financial data for Postal Savings Bank shows that for the first three quarters of 2025, the bank achieved revenue of 265.08 billion yuan, a year-on-year increase of 1.82%, and a net profit of 76.794 billion yuan, up 1.07%, continuing a trend of growth [6]

2021年4月，芦苇升任中信银行副行长，成为当时中信银行最年轻的副行长之一；2022年10月，其从中 信银行调至中信信托担任党委书记，后陆续出任中信信托总经理、董事长，直到今年2月，芦苇回归中 信银行并担任行长。 已获聘为邮储银行行长 据悉，芦苇已经赴任邮储银行出任行长一职。12月26日，邮储银行发布董事会决议公告称，该行董事会 同意聘任芦苇为该行行长，其相关任职资格尚待国家金融监督管理总局核准。 【导读】中信银行行长芦苇辞任，已获聘为邮储银行行长 12月30日，中信银行发布公告称，该行董事会于近日收到芦苇的辞呈，因工作调整原因，其辞去该行执 行董事、行长，以及董事会风险管理委员会主席及委员等职务。 行长芦苇因工作变动辞任 中信银行公告表示，芦苇因工作调整，辞去该行执行董事、行长、董事会风险管理委员会主席及委员、 董事会战略与可持续发展委员会委员职务。 同日，该行还发布公告称，于12月30日以书面传签形式完成一次董事会会议召开并形成决议，会议审议 通过《关于由方合英先生代为履行行长职责的议案》。 对于芦苇的离任，中信银行对其在任职期间做出的贡献给予高度评价及感谢。中信银行在公告中表示， 芦苇在该行任职长达26 ...

【导读】中信银行行长芦苇辞任，已获聘为邮储银行行长 中国基金报记者 马嘉昕 12月30日，中信银行发布公告称，该行董事会于近日收到芦苇的辞呈，因工作调整原因，其辞去该行执 行董事、行长，以及董事会风险管理委员会主席及委员等职务。 行长芦苇因工作变动辞任 中信银行公告表示，芦苇因工作调整，辞去该行执行董事、行长、董事会风险管理委员会主席及委员、 董事会战略与可持续发展委员会委员职务。 同日，该行还发布公告称，于12月30日以书面传签形式完成一次董事会会议召开并形成决议，会议审议 通过《关于由方合英先生代为履行行长职责的议案》。 对于芦苇的离任，中信银行对其在任职期间做出的贡献给予高度评价及感谢。中信银行在公告中表示， 芦苇在该行任职长达26年，历任总分行、境内外多个关键岗位，且任职期间始终恪尽职守、勤勉敬业， 为该行财会精益管理、资本补充、国际化发展等做出了重要贡献。 公开资料显示，芦苇现年54岁，1997年入职中信银行，历任中信银行总行营业部（现北京分行）副总经 理、计划财务部总经理、资产负债部总经理、董事会秘书等职。 2021年4月，芦苇升任中信银行副行长，成为当时中信银行最年轻的副行长之一；2022年10 ...

Group 1 - The "14th Five-Year Plan" has made significant progress in building a modern industrial system, with a focus on strengthening the real economy [2] - By the end of September 2025, the balance of medium- and long-term loans for the manufacturing sector from Postal Savings Bank has increased by over 11% compared to the previous year [2] - The comprehensive innovation capability of the country has steadily improved, ranking first in the national comprehensive innovation capability ranking by 2024 [3] Group 2 - The consumer market has seen both quantity and quality improvements during the "14th Five-Year Plan," with total retail sales of social consumer goods reaching 4,419.45 billion yuan by 2024 [4] - Postal Savings Bank continues to optimize financial supply to promote the upgrading of consumption [4] - The number of registered business entities in the country has been increasing, reflecting the vitality of business entities during the "14th Five-Year Plan" [5] Group 3 - The development of high-quality private and small and micro enterprises has been supported, with the balance of inclusive small and micro enterprise loans reaching 801.247 billion yuan by September 2025 [6] - Agricultural modernization has progressed steadily, with the comprehensive mechanization rate of crop farming reaching 41.3% by 2025 [7] - Postal Savings Bank has deepened its involvement in the agricultural sector, with the balance of agricultural loans reaching 1.41 trillion yuan by 2020 [7] Group 4 - The quality of life for citizens has improved significantly, with per capita disposable income reaching 6.74 billion yuan by 2024 [8] - Postal Savings Bank has extended its services to enhance the quality of financial services for the betterment of people's lives [8]