智通财经5月20日电，邮储银行5月20日对多个期限的人民币存款利率进行了下调，其中1年期下调15个基点至0.98%。 个人服务 公司服务 三农服务 小企业服务 您所在的位置：首页 中国邮政储蓄银行关于调整人民币存款挂牌利率的公告 2025-05-20 关于邮储 我行自2025年5月20日起调整人民币存款挂牌利率，具体情况如下: | | 项目 一、活期存款 | 年利率(%) 0.05 | | --- | --- | --- | | | 1.整存整取 三个月 六个月 | 0.65 0.86 | | | 一年 | 0.98 | | | 二年 | 1.05 | | 二、定期存款 | 三年 | 1.25 | | | 五年 | 1.30 | | | 2.零存整取、整存零取、存本取息 | | | | 一年 | 0.65 | | | 三年 | 0.86 | | | 王年 | 0.86 | | | 3.定活两便 | 按一年以内定期整存整取同档次利率打六折 | | | 三、协定存款 | 0.10 | | 四、通知存款 | 一天 | 0.10 | | | 七天 | 0.30 | 注：上述利率为挂牌利率,请以实际交易利率为准。 特此 ...

（客户为邮储银行夹江县支行送锦旗） 自开展打击治理电信网络诈骗犯罪工作以来，邮储银行夹江县支行认真履行企业政治责任和社会责任， 自觉加强警银合作，积极落实防范电信网络诈骗义务，大力推进电信网络诈骗防控工作，2025年4月30 日，邮储银行夹江县支行工作人员及时发现并拦截了一起电信诈骗行为，成功守护了群众的"钱袋子"。 当天下午，神色匆忙的李先生独自前来邮储银行夹江县支行营业部大厅,要求将名下的2.7万元活期存款 取出，由于该网点营业主管在此前已向当班柜员提醒告知近日需注意排查夹江县反诈警银协作群中要求 的高度关注取款金额2.7万元客户，客户神情表现及取款金额立刻引起柜面工作人员的警惕。 转自：推广 近日，邮储银行夹江县支行工作人员凭借高度的责任心和敏锐的警觉性，成功拦截一起电信诈骗案件， 帮助客户避免了2.7万元的经济损失，获得客户及警方的高度赞扬。 邮储银行夹江县支行工作人员按规定核实客户入账信息，发现客户账户在4月30日13：00左右连续收到 他行3笔汇款，合计2.8万元，时间间隔短，存在"快进快出"情形，同时询问客户取款用途，客户答复此 笔钱取出后要借给朋友用于结婚，但手机银行因限制非柜面交易转账失败所 ...

转自：推广 2025年5月12日，邮储银行安岳龙台商业街支行凭借银行工作人员的敏锐洞察力、严格业务核查流程以 及警银高效协作，成功为客户曾某拦截4.4万余元被骗资金，及时阻断了诈骗分子的得逞之路。 当日8点40分左右，客户吴某来到邮储银行安岳县龙台商业街支行柜台取现4.5万元。柜员在办理业务 时，依照尽职审核的原则对客户进行了相关核实，发现这笔资金竟是客户当日凌晨5点提至银行卡，这 一异常立即引起柜员警觉。面对询问，吴某称取款是为支付女方彩礼，并带着盛放彩礼的大红包，举止 神态符合正常婚俗场景，柜员在反复提醒其注意资金安全后，为其办理了取款业务。 然而，反诈的"弦"并未就此松懈。9点30左右，网点收到上级机构下发的关于排查当天异常取现情况的 紧急通知，网点第一时间联想到此前吴某的异常情况，迅速将相关信息上报。安岳县公安局接到线索 后，立即启动反诈应急机制，警银联动争分夺秒开展资金追踪与拦截工作。最终，在警银双方紧密配合 下，成功拦截受害人及受害资金44769元，及时避免了其财产损失。 案例再次提醒广大群众，面对陌生资金交易务必保持高度警惕，不轻信陌生来电、不轻易转账汇款。此 次成功拦截，是邮储银行严格落实柜面 ...

Core Viewpoint - The article highlights the proactive role of Postal Savings Bank in supporting local agricultural enterprises, particularly in the context of a flower cultivation base in Jiangxi Province, by providing tailored financial solutions to address funding gaps [1][2]. Group 1: Financial Support Initiatives - Postal Savings Bank's Jiangxi branch provided a loan of 500,000 yuan to a flower cultivation base to help address its funding challenges [1]. - The bank has implemented a "send loans to the countryside" initiative, which involves direct engagement with local businesses to understand their financial needs [1][2]. - The bank has successfully disbursed over 200 million yuan in "three rural" loans this year, significantly contributing to the development of local specialty industries [2]. Group 2: Community Engagement - The bank's approach includes forming specialized financial service teams that engage with village committees, industry associations, and industrial parks to gather detailed customer insights [1]. - The bank emphasizes its commitment to serving the real economy by actively participating in community outreach and understanding local industry requirements [1].

Core Viewpoint - The collaboration between Postal Savings Bank of China (PSBC) Hebei Branch and Qianyi Hesheng Technology Co., Ltd. aims to integrate digital transformation in the poultry egg industry with inclusive finance, leveraging the unique advantages of digital RMB to enhance rural revitalization efforts [1][2]. Group 1: Collaboration Details - The partnership will focus on the digital transformation of the poultry egg industry through the "Egg Helper" internet platform, which encompasses production management, traceability, and platform transactions [1]. - The collaboration will utilize PSBC's inclusive finance capabilities and the comprehensive digital system of the "Egg Helper" platform to enhance areas such as raw material procurement, digital farming, supply chain finance, and logistics insurance [1]. Group 2: Financial Solutions and Innovations - The initiative will establish a two-way channel for industry data and financial resources, utilizing the low-cost and high-efficiency features of digital RMB to create a customized digital transaction settlement solution [2]. - The project aims to address traditional payment inefficiencies and enhance transaction automation and fund transparency, thereby improving quality, reducing costs, and increasing efficiency in the poultry egg industry [2]. - PSBC will implement an "online data credit enhancement + offline professional services" model to tackle financing challenges faced by small and micro enterprises, promoting the digital transformation of the poultry egg sector [2].

Core Viewpoint - Anhui Province is a pilot region for airspace reform in China, focusing on developing a low-altitude economy and integrating various sectors into a smart transportation system [1] Group 1: Low-altitude Economy Development - The low-altitude economy refers to economic activities conducted below 1,000 meters, including drone logistics, low-altitude tourism, aircraft manufacturing, and flight training [1] - Precision manufacturing of aviation hydraulic pump components is crucial for the development of the low-altitude economy, as demonstrated by Lantu Precision Manufacturing Co., which has upgraded its capacity significantly [1][2] Group 2: Financial Support from Postal Savings Bank - Postal Savings Bank of China has established a financial support system for low-altitude economy enterprises, providing a "full-cycle, full-scenario, and full-element" technology financial service framework [1] - The bank completed credit approval for Lantu Precision in just one week, enabling the company to procure essential raw materials for equipment upgrades [2] - The bank has tailored financing solutions for technology-driven companies like Lantu Precision, utilizing a "look to the future" evaluation model to assess R&D investments and patent reserves [2] Group 3: Ecosystem Building - Postal Savings Bank aims to build a comprehensive ecosystem for the low-altitude economy, supporting not just individual companies but the entire industry chain [3] - Companies like Wuhu Tianke Aviation Technology Co. have benefited from increased loans, allowing them to expand production and enhance R&D capabilities [3] - The bank has provided over 34.5 billion yuan in credit support to more than 4,000 innovative enterprises in Anhui, positioning itself as a key player in the province's low-altitude economic growth [4]

Core Insights - The article highlights the entrepreneurial journey of Li Qingxiu, who transitioned from a stable corporate job to starting a home service training company, recognizing the market potential during her search for a maternity nurse [1][2] - The company initially faced funding challenges during its growth phase, which were addressed through loans from Postal Savings Bank, enabling the establishment of a modern training facility [1][2] Group 1: Company Development - Li Qingxiu's company focuses on professional home service training, including areas such as infant care and maternal support, and has expanded its service offerings to create a complete industry chain [2] - The company has successfully built a modern training classroom that integrates theory and practice, contributing to local employment opportunities for women [2] Group 2: Financial Support and Growth - The Postal Savings Bank has been proactive in supporting small and micro enterprises, with a focus on understanding their financing needs and facilitating loan applications [2] - In 2023, the bank has disbursed over 260 million yuan in loans in Xingguo County, serving more than 1,100 clients, demonstrating its commitment to small business support [2]

Core Insights - The article highlights the growing trend of ESG (Environmental, Social, and Governance) investments, which have become a focal point for global investors seeking sustainable development opportunities [1][4]. - The scale of ESG-themed bank wealth management products in China has seen rapid growth, with a reported increase of 130% from 1,304 billion yuan at the end of 2022 to nearly 3,000 billion yuan by the end of Q1 2023 [4]. - The performance of ESG-themed "fixed income+" wealth management products has slightly outperformed traditional "fixed income+" products over the past two years, with average yields of 3.61% and 3.9% for 2024 and 2023 respectively, compared to 3.29% and 3.06% for all "fixed income+" products [5]. Product Overview - The "YouSheng·HongJin Shortest Holding 7 Days 6th ESG Preferred B" product has been highlighted, with 4,754 purchases recorded as of May 16 [1]. - This product is classified as a "fixed income+" product, primarily investing in fixed income assets with up to 20% allocated to equity and financial derivatives [4]. - As of May 15, the product has an annualized return of 4.03%, with a maximum drawdown of only 0.03% since inception [5][10]. Performance Metrics - The product scored 30 in yield performance, 95 in risk control, and 8 in risk-adjusted return, ranking 131st, 179th, and 169th respectively among 198 similar products [6]. - The product's comprehensive score of 51 indicates it outperformed 28.28% of its peers [8]. - The product's recent one-month annualized yield was 2.03%, ranking 171st among similar products [10]. Investment Strategy - The product emphasizes risk control while seeking yield flexibility, favoring low-volatility assets and employing market-neutral strategies to hedge risks [14][15]. - The underlying asset allocation consists of at least 80% fixed income assets, with equity investments capped at 20%, and derivatives limited to 5% [10][12]. Market Context - The overall wealth management product landscape is experiencing shifts due to market adjustments, with some previously popular products showing declines in yield [19]. - The ESG investment theme is gaining traction as investors increasingly prioritize sustainability alongside financial returns [4][5].

Group 1 - The core point of the news is that China Postal Savings Bank has applied for a patent for a business performance testing method based on rule trees and clustering, aimed at improving the accuracy of performance testing for business systems [1] - The patent application was published under the number CN119988175A, with an application date of March 2025 [1] - The proposed method addresses issues in existing technologies, such as low coverage of test data and single test scenarios, which lead to inaccuracies in interface testing results [1] Group 2 - China Postal Savings Bank was established in 2007 and is located in Beijing, primarily engaged in monetary financial services [2] - The bank has a registered capital of approximately 9.92 billion RMB [2] - The bank has made investments in 7 companies, participated in 5000 bidding projects, and holds 1214 trademark records and 814 patent records [2]

Group 1 - Jiangxi Jupeng Technology Group Co., Ltd. is undergoing a green transformation in response to the national "dual carbon" goals, facing urgent needs for production technology and equipment upgrades [1] - The company received a loan of 10 million yuan from Postal Savings Bank of China, which alleviated its financial difficulties [1] - After receiving funding, the company expanded its production capacity by adding a new production line of 200,000 tons, improved aluminum recovery rates by over 15%, and reduced greenhouse gas emissions by 80% [1] Group 2 - Postal Savings Bank of China’s branch in Shangrao City is committed to optimizing its credit structure and increasing funding for green industries and carbon reduction initiatives [2] - As of April 2025, the green loan balance of the bank's Shangrao branch exceeded 3.1 billion yuan, highlighting its role as a catalyst for traditional industry transformation [2]