证券之星消息，10月9日国有大型银行板块较上一交易日上涨0.34%，中国银行领涨。当日上证指数报收 于3933.97，上涨1.32%。深证成指报收于13725.56，上涨1.47%。国有大型银行板块个股涨跌见下表： 从资金流向上来看，当日国有大型银行板块主力资金净流入1.34亿元，游资资金净流出1.11亿元，散户资 金净流出2344.64万元。国有大型银行板块个股资金流向见下表： | 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 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601398 工商银行 | | 1.17亿 | 5.40% | -8244.16万 | -3.82% | -3433.53万 | -1.59% | | 601288 农业银行 | | 9200.35万 | 3.50% | -1103.66万 | -0.42% | -8096.69万 | -3.08% | | 601939 建设银行 | | 6981.98万 | 7.48% | -2841.5 ...

新华财经北京10月9日电 因违规发放借冒名贷款等，绍兴三家银行合计被罚190万元。 | 序号 | 当事人名称 | 主要违法违 | 行政处罚内 | 作出决定 | | --- | --- | --- | --- | --- | | | | 规行为 | 容 | 机关 | | 1 | 中国邮政储 蓄银行股份 | 冒名贷款。 | 对中国邮政 储蓄银行股 份有限公司 | 总局绍兴 | | | | | | 国家金融 | | | | 违规发放借 | | 监督管理 | | | 有限公司绍 | | 绍兴市分行 | | | | 兴市分行及 | | 罚款30万 | 监管分局 | | | 相关责任人 | | 元;对于一 | | | | | | 楷警告。 | | | 2 | 浙江嵊州农 村商业银行 | 员工行为管 理不到位; | 对浙江嵊州 农村商业银 行股份有限 | | | | | | | 国家金融 | | | | | | 监督管理 | | | 股份有限公 | 项目贷款管 | 公司罚款105 | | | | 司及相关责 | 理不审慎 | | 总局绍兴 | | | | | 万元;对王 | 监管分局 | | | 任人 | 等。 | 小波、 ...

Core Insights - Postal Savings Bank of China has experienced a decline in stock price, falling 0.87% to 5.70 CNY per share, with a total market capitalization of 684.54 billion CNY [1] - The bank's stock has dropped for five consecutive days, resulting in a cumulative decline of 5.94% during this period [1] Company Overview - Postal Savings Bank of China, established on March 6, 2007, and listed on December 10, 2019, is headquartered in Beijing, China [1] - The bank provides a range of banking and financial services, primarily through personal banking, corporate banking, and funding operations [1] - Revenue composition: personal banking (69.57%), corporate banking (19.70%), funding operations (10.65%), and other services (0.07%) [1] Fund Holdings - Two funds under Huian Fund have significant holdings in Postal Savings Bank, totaling 258,200 shares, resulting in a daily floating loss of 12,900 CNY based on the current stock price [2] - The funds have incurred a total floating loss of 93,000 CNY over the five-day decline [2] - Specific fund details: Huian Fengheng Mixed A holds 144,500 shares (0.21% of fund net value), while Huian Xinzhe Stable One-Year Holding Mixed A holds 113,700 shares (0.29% of fund net value) [2]

来源：新浪基金∞工作室 九泰久盛量化混合A（001897）基金经理为袁多武。 10月9日，邮储银行跌0.87%，截至发稿，报5.70元/股，成交7.32亿元，换手率0.19%，总市值6845.42亿 元。邮储银行股价已经连续5天下跌，区间累计跌幅5.94%。 截至发稿，袁多武累计任职时间5年79天，现任基金资产总规模1.18亿元，任职期间最佳基金回报 84.71%， 任职期间最差基金回报-5.13%。 资料显示，中国邮政储蓄银行股份有限公司位于中国北京市西城区金融大街3号,香港湾仔皇后大道东 248号大新金融中心40楼，成立日期2007年3月6日，上市日期2019年12月10日，公司主营业务涉及中国 邮政储蓄银行股份有限公司在中国提供银行及相关金融服务。该银行主要通过个人银行、企业银行及资 金业务运营。个人银行业务向个人客户提供多种产品及服务,包括人民币及外汇存储、贷款、银行卡及 中间业务产品及服务。企业银行业务为企业客户提供多样化金融产品及服务,包括企业贷款、贴现票 据、企业存款及中间业务产品及服务,如:结算、票据管理、现金管理、投资银行、托管及公司理财。资 金业务主要包括金融市场业务,如:市场交易、投资、 ...

Core Viewpoint - The article argues that while securitization is a financing tool, it is not suitable for banks to dispose of non-performing loans due to various inefficiencies and potential losses associated with the process [1][2][21]. Summary by Sections Principle Explanation - Securitization primarily generates returns for investors from the recovery of non-performing loans, which are still collected by the banks themselves, leading to a situation where banks effectively pay out a portion of their own recoveries to investors [1][2]. - The cash flow from securitized non-performing loans tends to be stable initially but decreases over time, which complicates the timing of cash recovery during the transition period before formal issuance [2][5]. - During the transition period, banks may only receive about 50% of the expected cash flow from the securitized assets, as the initial recoveries belong to the investors [5][6]. - The article highlights that banks often incur significant write-off resources when securitizing loans, which could be avoided through direct recovery methods [7][8]. Empirical Analysis - From 2021 to 2024, Postal Savings Bank issued 22 securitization products, with the total amount of non-performing loans disposed of and the corresponding cash received from securitization detailed in a table [11][12]. - The average cash recovery during the transition period reached approximately 47.8% of the securitization proceeds, demonstrating the inefficiency of the securitization process [14]. - The analysis shows that the cash recovery period for these products averaged around 367 days, indicating that banks could have achieved similar results through direct recovery without securitization [14][15]. Related Thoughts - The article discusses the motivations behind banks engaging in securitization, suggesting that intermediaries benefit financially from the process, which may lead to a lack of thorough cost-benefit analysis by the banks themselves [20][21]. - It emphasizes that while securitization is a common practice, it may not be the most effective method for managing non-performing loans, as banks could achieve better outcomes through direct recovery and write-off strategies [21][22].

请您根据自身需要，提前做好相应安排。由此给您带来的不便，敬请谅解！ 2025年10月8日，中国邮政储蓄银行发布公告称，为了给您提供更加优质、安全、快捷的服务，中国邮 政储蓄银行将于2025年10月13日23点至2025年10月14日凌晨6点，2025年10月16日23点至2025年10月17 日凌晨6点，2025年10月20日23点至2025年10月21日凌晨6点，2025年10月23日23点至2025年10月24日凌 晨6点进行电子签约存证系统技术升级。系统升级期间，将暂停办理全部线上电子化CFCA签署业务， 包括手机银行、企业手机银行、微信银行、个人网银、企业网银、移动展业、信用卡app、远程服务中 心系统、服务开放平台、U链供应链系统等交易渠道的线上签署功能均停止使用。 ...

邮政业是服务生产、促进消费、畅通循环的现代化先导性产业。今年以来，我们以习近平新时代中国特 色社会主义思想为根本遵循，全面贯彻落实党中央决策部署，着力推动高质量发展，加快改革创新转 型，在服务国家重大战略、服务经济社会发展、服务人民生产生活中发挥了重要作用。 坚持提质增效，业务发展成效更加凸显。普遍服务以促进公共服务均等化为己任，与时俱进丰富内涵， 网点因地制宜叠加便民服务，抵边自然村实现全部直接通邮，边海防通邮质量持续提升，服务供给的可 及性、均衡性、稳定性显著增强；快递物流业务积极推动时限提速、服务提质、靶向降本、市场拓展， 加快"邮商货仓"一体化发展，竞争能力大幅提升；邮储银行全力做好金融"五篇大文章"，积极服务"三 农"、城乡居民和中小企业，营收、利润总额、中间业务收入增幅均居国有大行前列，一级资本连续3年 排名"全球银行1000强"第十二位。 坚持服务大局，"国家队"作用发挥更加有力。全力服务乡村全面振兴，立足乡村特色产业和重点客群， 推进"一品一策""一业一策""一类一策"服务体系建设，持续完善县域商业流通体系、建强农村寄递物流 体系、健全普惠金融体系，推动小包裹服务大民生、促进小农品对接大市场、 ...

Core Viewpoint - Recent adjustments by some joint-stock banks to reduce credit card overdraft rates to "0" aim to increase volume by lowering costs [1] Group 1: Credit Card Loan Trends - Credit card loan balances are a key indicator of retail banking customer activity, with recent adjustments reflecting banks' efforts to compete for existing customers during a retail "cold season" [2] - Many listed banks have seen a further expansion of negative growth in credit card loan balances this year, alongside a decline in other retail loan categories such as consumer loans and mortgages [2][4] - Major state-owned banks like Bank of China and Postal Savings Bank reported declines in credit card loan balances of 13.88% and 5.67% respectively, while some joint-stock banks also experienced negative growth [3] Group 2: Overall Retail Lending Environment - The retail lending sector is undergoing an "adjustment period," with 17 out of 42 listed banks reporting a contraction in personal loan balances as of mid-2023 [4] - The contraction in personal housing mortgage loans has been a significant factor, with a reported negative growth of 1.6% in personal housing loan balances at the end of 2023, marking the first decline since 1997 [5][6] Group 3: Retail Loan Risk Assessment - Retail loan risks are on the rise, with the non-performing loan (NPL) ratio for retail loans increasing to 1.23% as of mid-2023, compared to a decrease in corporate loan NPL ratios [9] - Specific segments such as mortgage loans, consumer loans, and credit cards have seen their NPL ratios rise, indicating a challenging environment for retail lending [9][10] - The overall retail loan risk trend remains upward, with banks acknowledging the need for improved risk management practices in response to these challenges [10]

格隆汇10月8日丨根据联交所最新权益披露资料显示，2025年9月30日，邮储银行(01658.HK)获Ping An Asset Management Co., Ltd.在场内以每股均价5.4382港元增持836万股，涉资约4546.34万港元。 | 要 HEAR | 大股票/董事/股惠行政人員名稱 作出获羅的 員入 / 寶出或涉及的股每股的平均值 | | 持有權益的股份數目 佔已發行的 有關事件的日期 相關注黨股份 做權盛權益 | | --- | --- | --- | --- | | KER | | | (讀參閱上述*註解) 有投票權股(日 / 月 / 年) 權益 | | | | | 份自分比 | | | | | ( 96 ) | | CS20251005E00009 Ping An Asset Management 1101(L) | 8,360,000(L) | | HKD 5.4382 3,382,236,000(L) 17.03(L)30/09/2025 | | Co., Ltd. | | | | 增持后，Ping An Asset Management Co., Ltd.最新持股数目为3,382 ...

Core Viewpoint - The article discusses significant penalties imposed on Postal Savings Bank, Citic Baixin Bank, and Beijing Bank due to violations in their internet loan businesses and other financial practices, highlighting the regulatory scrutiny in the banking sector [2][4][6]. Group 1: Penalties and Violations - Postal Savings Bank was fined a total of 27.92 million yuan for issues related to internet loan management and other operational practices, with a related individual receiving a warning and a fine of 50,000 yuan [3][4]. - Citic Baixin Bank faced penalties totaling 11.2 million yuan for improper management of internet loans and non-compliance in regulatory data reporting, with one executive losing their senior management position for five years [3][5]. - Beijing Bank was fined 5.3 million yuan for multiple violations, including inaccurate loan risk classification and inadequate provisions for financial investments, with two responsible individuals receiving warnings and fines of 50,000 yuan each [6][7]. Group 2: Institutional Responses - Postal Savings Bank emphasized its commitment to compliance and improvement in governance and internal control systems following the penalties, aiming to enhance service quality for customers [4]. - Citic Baixin Bank acknowledged the penalties as a result of regulatory inspections and stated its focus on strengthening risk management and compliance measures moving forward [5]. - Both banks expressed intentions to adhere strictly to regulatory requirements and continue providing reliable financial services to their customers [4][5].