近日，财政部、中国人民银行、金融监管总局印发《个人消费贷款财政贴息政策实施方案》。 要点如下↓↓ 支持范围 实施方案明确，同时符合以下条件的贷款可享受贴息政策—— ■贴息范围包括单笔5万元以下消费，以及单笔5万元及以上的家用汽车、养老生育、教育培训、文化旅 游、家居家装、电子产品、健康医疗等重点领域消费。 ■对于单笔5万元以上的消费，以5万元消费额度为上限进行贴息。政策到期后，可视实施效果研究延长 政策期限、扩大支持范围。 贷款经办机构 ■6家国有大型商业银行，包括中国工商银行股份有限公司、中国农业银行股份有限公司、中国银行股 份有限公司、中国建设银行股份有限公司、交通银行股份有限公司、中国邮政储蓄银行股份有限公司。 ■12家全国性股份制商业银行，包括中信银行股份有限公司、中国光大银行股份有限公司、华夏银行股 份有限公司、中国民生银行股份有限公司、招商银行股份有限公司、兴业银行股份有限公司、广发银行 股份有限公司、平安银行股份有限公司、上海浦东发展银行股份有限公司、恒丰银行股份有限公司、浙 商银行股份有限公司、渤海银行股份有限公司。 ■5家其他个人消费贷款发放机构，包括深圳前海微众银行股份有限公司、重庆蚂蚁消 ...

中国邮政储蓄银行股份有限公司北京分行催收公告 | રવ | 学圆圆 | 31 TUUZ********* 1 2 T | 119321.24 | M35 | | --- | --- | --- | --- | --- | | 39 | 李占元 | 132529********3615 | 60321.79 | M39 | | 40 | 李征峰 | 370682********0413 | 12475.74 | M94 | | イ1 | 李仲坤 | 410923*******2411 | 14980. 3 | M73 | | 42 | 圍艳斌 | 110106*******2122 | 11592. 19 | M99 | | 43 | 刘健 | 110223********005X | 261012. 96 | M38 | | 44 | 刘美伶 | 110111*******6729 | 11919. 46 | M34 | | 45 | 刘鹏 | 230321*******621X | 12145.67 | M33 | | 46 | 刘秀梅 | 110106********3327 | 6677.37 | M8 ...

证券之星消息，8月14日国有大型银行板块较上一交易日上涨0.65%，农业银行领涨。当日上证指数报收 于3666.44，下跌0.46%。深证成指报收于11451.43，下跌0.87%。国有大型银行板块个股涨跌见下表： | 代码 | 名称 | 主力净流入(元) | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入 (元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601288 农业银行 | | 3.52亿 | 8.90% | -2.17 乙 | -5.49% | -1.35 Z | -3.41% | | 601658 邮储银行 | | 4546.06万 | 3.95% | 9535.90万 | 8.29% | -1.41 亿 | -12.25% | | 601328 交通银行 | | 2035.43万 | 2.06% | -2907.05万 | -2.94% | 871.61万 | 0.88% | | 601939 建设银行 | | 862.77万 | 0.67% | -1.07亿 | -8.29% | 9820. ...

Group 1 - The core viewpoint of the article is that the newly announced interest subsidy policies for personal consumption loans and loans for eight types of service industry entities are expected to stimulate loan demand, although the financial impact on banks is anticipated to be limited [1] - Morgan Stanley estimates that a 10% growth in consumer and eligible service industry loans would only lead to a 0.4% increase in total revenue for banks in 2025 [1] - Despite the limited financial impact, the policy signals are viewed positively as they may improve market sentiment [1] Group 2 - Among the rated bank stocks, Ping An Bank (000001) is expected to benefit the most if it can manage the credit risks associated with the relevant loans [1] - Other banks such as China Merchants Bank (600036), Postal Savings Bank of China (601658), and Bank of China (601988) are also expected to benefit, with a stronger recommendation for China Merchants Bank due to its better risk management capabilities [1]

8月12日，财政部、中国人民银行、金融监管总局联合发布关于印发《个人消费贷款财政贴息政 策实施方案》（下称"方案"）的通知，将对符合条件的个人消费贷款予以财政贴息。 方案甫一公布，农业银行、邮储银行、工商银行、中国银行、建设银行、交通银行六大行就火 速响应。 农业银行：自9月1日起对符合要求的个人消费贷款实施贴息 中国农业银行8月12日公告称，将按照市场化、法治化原则，自2025年9月1日起，对符合《关于 印发<个人消费贷款财政贴息政策实施方案>的通知》要求的个人消费贷款实施贴息。后续办理 流程及相关问题解答，将通过中国农业银行官网、微信公众号、手机银行、营业网点、95599等 官方渠道统一发布。 邮储银行：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 邮储银行发布关于个人消费贷款与服务业经营主体贷款财政贴息工作的公告，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。 邮储银行表示，该行将认真贯彻落实《关于印发<个人消费贷款财政贴息政策实施方案>的通 知》、《关于印发<服务业经营主体贷款贴息政策实施方案>的通知》精神及相关要求，全力确 保 ...

Core Viewpoint - The article discusses the implementation plan for the personal consumption loan interest subsidy policy aimed at supporting resident consumption from September 1, 2025, to August 31, 2026, detailing eligibility, subsidy rules, and application processes [1]. Summary by Sections Support Scope - The policy applies to personal consumption loans issued by recognized financial institutions, excluding credit card transactions, where the loan is used for actual consumption. Eligible consumption includes both small daily expenses and larger purchases such as vehicles, home renovations, and electronics. Each individual can receive a maximum subsidy of 500 yuan per transaction, with multiple transactions eligible for cumulative benefits [2]. Subsidy Rules - For transactions under 50,000 yuan, the subsidy is calculated based on the actual amount, with a maximum of 1,000 yuan for multiple transactions at the same institution. For transactions over 50,000 yuan, the subsidy is capped at 3,000 yuan, calculated based on a maximum of 50,000 yuan per transaction. The policy may be extended or expanded based on its effectiveness [3]. Loan Processing Institutions - The policy is limited to 23 recognized financial institutions, including 18 banks and 5 other personal consumption loan providers. The policy supports reasonable borrowing needs and actual consumption behaviors, excluding any non-consumption or fraudulent activities [4]. Subsidy Standards - The average interest rate for personal consumption loans is around 3%. The subsidy rate is set at 1 percentage point, which is approximately one-third of the current commercial bank loan rates, with the central and provincial governments covering 90% and 10% of the subsidy, respectively [5]. Cumulative Subsidy Limits - Each borrower can receive a total subsidy of up to 3,000 yuan from one institution, corresponding to a cumulative consumption amount of 300,000 yuan. For loans under 50,000 yuan, the maximum cumulative subsidy is 1,000 yuan, linked to a consumption amount of 100,000 yuan [6]. Key Areas for Subsidy - The subsidy focuses on several key areas, including household vehicles, home renovations, electronic products, health care, and education training, among others [7][11]. Application Process - Borrowers must authorize the loan processing institution to access transaction information when applying for a personal consumption loan. Existing loans can also be adjusted through supplementary agreements. The institution will calculate the subsidy based on actual consumption and apply it directly to the interest payments, simplifying the process for borrowers [8][9]. Administrative Efficiency - To reduce the burden on borrowers and enhance policy effectiveness, the calculation and application of subsidy funds are primarily managed by the loan processing institutions and local government departments, minimizing additional steps for borrowers [9].

Core Points - China Postal Savings Bank Inner Mongolia Branch and Inner Mongolia Transportation Investment Group signed a strategic cooperation agreement to enhance transportation infrastructure and economic development in Inner Mongolia [1][3] - The cooperation aims to leverage each party's strengths for resource sharing and mutual benefits [1][4] Group 1: China Postal Savings Bank - The bank has a strong local presence, extensive service network, and robust financial strength, contributing significantly to local economic development and various sectors [3] - It plays a crucial role in supporting the real economy and livelihood projects in Inner Mongolia [3] Group 2: Inner Mongolia Transportation Investment Group - The group is a key player in transportation infrastructure construction and operation in Inner Mongolia, responsible for significant projects in highways, railways, and airports [3] - It has achieved notable success in the transportation sector, providing essential support for the region's economic and social development [3] Group 3: Future Collaboration - The bank will offer comprehensive and diversified financial services to the transportation group, including project financing, fund settlement, and supply chain finance [4] - The collaboration aims to enhance the transportation group's infrastructure construction and operational capabilities, fostering a win-win situation for both parties [4]

这枚小小绿色零钱袋，折射邮储服务世运宾客的精细刻度。面对盛会带来的国际客流高峰，直属支行营 业部深知金融服务必须超越冰冷交易，抵达人心温度。在四川省分行的统一安排和部署下，网点内，双 语标识清晰导引、精通外语的员工佩戴"双语志愿者"袖章随时待命，每一位员工均下载了翻译软件，构 建起无碍沟通的第一道保障。外汇业务窗口与国际支付受理渠道高效运转，确保资金血脉畅通无阻。零 钱兑换虽属"微服务"，却精准化解了外国友人日常消费的"大痛点"。营业部负责人坦言："我们不仅追 求效率与安全，更专注细节体验。这些看似微末的服务，恰是邮储服务世运的缩影——于细微处见担 当。" 外币兑换的绿色通道是效率的承诺，零钱袋里的城市攻略则是情感的延伸。当金融保障被赋予细腻的质 感，每一次服务便超越了业务本身，成为成都友善与邮储温度的生动代言。盛会终将落幕，但服务的热 忱永不降温。邮储银行直属支行正以世运精神为火种，与世界同频，以专业与真诚让每一份远道而来的 信任，都能在便捷与温暖中安稳着陆。 来源：推广 转自：推广 8月12日，位于成都市中心的邮储银行四川省分行直属支行营业部（以下简称"直属支行营业部"）迎来 一位特殊的客人——来自美国的 ...

Group 1 - The People's Bank of China (PBOC) in Hechuan focuses on empowering the development of the modern industrial system through technology finance, implementing actions like financing connections and first-loan breakthroughs to support technology enterprises [1] - By May 2025, the loan balance for technology enterprises in the Hechuan area is projected to reach 36.4 billion yuan, effectively aiding over 1,200 technology enterprises [1] Group 2 - To assist early-stage technology enterprises, the PBOC in Hechuan has established a dual-driven model of policy incentives and market orientation, coordinating cross-department collaboration to create a financing platform [2] - Since 2024, four technology finance-themed financing connection meetings have been held, resulting in an additional loan balance of 8.8 billion yuan for technology enterprises in the area [2] - The PBOC has introduced innovative products like "Sci-Tech Loan" and "Sci-Tech e-Loan," with a maximum credit limit of 50 million yuan and disbursement within three working days [2] Group 3 - The PBOC guides commercial banks to create a three-system service framework for technology finance, addressing the different financial needs and risk characteristics of technology enterprises at various lifecycle stages [3] - A tailored financial service plan was developed for Longjian Machinery Manufacturing Co., which faced a funding gap of 130 million yuan due to traditional collateral limitations [3] - The plan included a comprehensive credit of 130 million yuan, incorporating various loan products to alleviate the company's financial pressure [3] Group 4 - The PBOC has established a government-bank-enterprise connection platform to innovate financing service models for technology enterprises [4] - The Postal Savings Bank of China in Tongliang has launched products like "Innovation Credit Loan" and "Sci-Tech Credit Loan," successfully obtaining the first batch of "Technology Branch" titles in Chongqing [4] - The bank facilitated rapid funding for Chongqing and Jing Carbon Material Co., a national high-tech enterprise, through a green approval channel, completing due diligence and disbursement within seven working days [4]

本文源自：金融界 作者：智投君 8月13日，沪深两融数据显示，邮储银行获融资买入额0.72亿元，居两市第339位，当日融资偿还额0.82 亿元，净卖出936.58万元。 最近三个交易日，11日-13日，邮储银行分别获融资买入0.77亿元、0.71亿元、0.72亿元。 融券方面，当日融券卖出22.97万股，净卖出14.47万股。 ...