Core Insights - The article discusses the upcoming year-end bonus distribution and the competitive marketing strategies employed by various banks to attract customers for investment products [1][6]. Group 1: Year-End Bonus Investment Strategies - Several banks, including Bank of Communications, Postal Savings Bank, and Guangfa Bank, have launched exclusive financial products aimed at year-end bonuses, utilizing online activities and personalized asset allocation strategies [1][6]. - Bank of Communications has introduced a special financial product called "Lingdong Tianli No. 6 New Salary Treasure," which offers an annualized yield of 4.76% over the past three months [1][6]. - Postal Savings Bank has featured three exclusive products in its mobile banking app, with one product, "Yousheng·Hongjin," also achieving an annualized yield of 4.76% since its inception [2][7]. Group 2: Changes in Marketing Strategies - Compared to previous years, banks are now focusing on providing comprehensive asset allocation solutions that integrate various financial products, including deposits, investments, funds, and insurance [3][8]. - The marketing approach has shifted from merely listing products to offering tailored asset allocation strategies based on customer risk preferences and funding purposes [3][8]. - The industry is transitioning towards a customer-centric model, emphasizing professional financial planning and advisory services rather than just product sales [3][8]. Group 3: Investor Guidance - Experts recommend that investors assess their financial situation and clarify the intended use and timing of their year-end bonus before making investment decisions [4][9]. - Investors should objectively evaluate their risk tolerance, typically favoring lower-risk products for conservative investors [4][9]. - It is advised that investors maintain independent judgment and critically evaluate marketing claims, understanding that performance benchmarks are not guarantees of principal or returns [4][9].

转自：北京日报客户端 "马到成功·惠购前门"板块以消费券联动为核心，邮储银行将发放多档满减券、组合券，覆盖京扇子、 天乐园、新国潮邮局等特色店铺。消费者还可叠加微信支付满减、数字人民币红包等多重优惠。 "马到享食·品味前门"板块聚焦京城味道，自12月31日起推出美食荟打卡集章活动，消费者凭《前门美 食寻宝图》在指定商户消费集章，即可解锁8折优惠、文创伴手礼等好礼。光大银行同步开展"约惠星期 五"五折餐饮权益，涵盖全聚德、便宜坊、都一处、长春堂顺时而饮等优质餐饮。 "马到探奇·潮玩前门"板块，整合街区资源推出"骏马寻踪"互动打卡线路，游客可通过线下集章与线上 任务赢取礼品。邮储银行为合作商户提供直播推广、免收款手续费等支持。此外，颜料会馆暖冬跨年季 将上演悬疑话剧、经典越剧等多场文化演出，为市民游客增添文艺趣味。 近日，前门商圈启动"骏马迎新·潮前门"元旦促消费活动，活动持续至2026年1月31日，金融机构专项优 惠将延续至2月28日。本次活动中，三大主题板块携手众多商户，通过消费券、美食打卡、互动潮玩等 形式，为市民游客带来丰富的优惠与文化体验。 前门街道 供图 来源：北京日报客户端 ...

Group 1 - The core viewpoint of the news is that the state-owned large bank sector experienced a decline of 0.63% on December 25, with Agricultural Bank leading the drop [1] - The Shanghai Composite Index closed at 3959.62, up 0.47%, while the Shenzhen Component Index closed at 13531.41, up 0.33% [1] - The trading performance of individual stocks in the state-owned large bank sector showed mixed results, with Agricultural Bank down 0.79% and Industrial and Commercial Bank down 0.63% [1] Group 2 - The net outflow of main funds from the state-owned large bank sector was 775 million yuan, while retail investors saw a net inflow of 515 million yuan [1] - The detailed fund flow data indicates that Construction Bank had a net inflow of 49.54 million yuan from main funds, while Agricultural Bank had a net outflow of 289.7 million yuan [2] - The overall trend shows that retail investors are more active in the state-owned large bank sector, with significant net inflows compared to the outflows from main and speculative funds [2]

Core Viewpoint - The article highlights a customer service initiative by Postal Savings Bank, showcasing their commitment to serving the community through a unique and labor-intensive process of counting coins for a customer, which reflects the bank's dedication to "financial for the people" philosophy [9]. Group 1: Customer Service Initiative - A customer, Ms. Li, approached Postal Savings Bank with a large amount of one-yuan coins accumulated from her small business, expressing concern about whether the bank would assist her in exchanging them [1]. - The bank staff, instead of declining the request, willingly accepted the challenge and began a week-long manual counting process without the aid of machines [2][3]. - Six staff members worked diligently, resulting in the counting of 170,000 coins, which amounted to 17,000 yuan, demonstrating exceptional customer service and commitment [7]. Group 2: Community Engagement - The positive experience led Ms. Li to express her gratitude by presenting the bank with a banner, emphasizing the trust and warmth she felt from the service provided [7]. - The article emphasizes that true service often lies in the "hard work" and dedication of employees, reinforcing the idea that sincerity is the path to effective customer service [9].

为切实提升社区居民金融素养，筑牢金融安全防线，近日，邮储银行许昌市建安区支行联合国家金融监 督管理总局建安监管支局、许由办事处及许由派出所的工作人员深入社区，共同举办了一场主题为"守 护群众钱袋子，助力美好生活"的反诈防诈知识宣讲活动。 据介绍，活动中，生动的讲解和实用的内容获得居民一致认可，有效增强了辖内居民的金融风险防范意 识和自我保护能力，为营造安全、健康的社区金融环境奠定了坚实基础。 来源：环球网 下一步，建安区支行将持续加强银政警合作，联合开展反诈主题宣传活动，向社会公众普及反诈知识， 帮助群众守护好"钱袋子"。 活动现场，宣讲人员聚焦居民关心的电信网络诈骗等问题，详细解读金融惠民政策要点，帮助居民清晰 了解政策红利。并结合真实案例，深入剖析电信诈骗的常见手段、作案特点及识别技巧，手把手教居民 如何防范电信网络诈骗、保护个人资金安全。 ...

12月25日金融一线消息，中国人民银行周口市分行行政处罚决定信息公示表显示，中国邮政储蓄银行股 份有限公司周口市分行因违反金融统计相关规定、违反反假货币业务管理规定，被警告并罚款35.1万 元。 | 序号 | 当事人名称 行政处罚 (姓名、职务)决定书文号 | 违法行为类型 | 内容 | 行政处罚 作出行政处罚 作出行政处罚 决定机关名称 | 决定日期 | 公示期限 （ 自公示之 备注 日是计算 ） | | --- | --- | --- | --- | --- | --- | --- | | | 银行股份有限 公司周口市分 ਛੋ 行 | 周银罚决字 1. 违反金融统计相关 〔2025〕4 规定; 〔2025〕4 [2. 违反反假货币业务 管理规定。 | 整告, 20 款 35.1 万元 | 中国人民银行 2025年12月 周口市分行 | 17 日 | 三支 | 责任编辑：王馨茹 12月25日金融一线消息，中国人民银行周口市分行行政处罚决定信息公示表显示，中国邮政储蓄银行股 份有限公司周口市分行因违反金融统计相关规定、违反反假货币业务管理规定，被警告并罚款35.1万 元。 | 序号 | 进法行为类型 当事人名 ...

Group 1 - The core activity period for the first binding discount is from November 1, 2025, to December 31, 2025, starting at 0:00 daily [1] - The payment discount activity runs from November 1, 2025, to February 28, 2026, starting at 0:00 daily [2] - The random discount activity for purchases over 50 yuan is available from November 1, 2025, to December 31, 2025, starting at 0:00 daily, and for purchases over 1000 yuan from November 1, 2025, to February 28, 2026, starting at 0:00 daily [3] Group 2 - The target customer group includes all Postal Savings Bank credit card holders nationwide [4] - The first binding discount offers a 6 yuan discount for users who bind their Postal Savings Bank credit card for the first time on Douyin, with a daily limit of at least 5,000 users [4] - The payment discount activity allows users to receive a 5 yuan discount on a single payment of 500 yuan, with a monthly limit of one discount per user and a daily limit of at least 4,000 users [5] Group 3 - The random discount activity allows users to receive a discount of 0.3 to 16 yuan for purchases over 50 yuan, with a daily limit of at least 40,000 users and a maximum of one discount per user per day [6] - For purchases over 1000 yuan, users can receive a discount of 2 to 20 yuan, with a monthly limit of one discount per user and a daily limit of at least 1,000 users [7]

Summary of Key Points Core Viewpoint - In 2023, a total of 144 companies have conducted private placements, raising a cumulative amount of 857.686 billion yuan, with significant participation from various sectors, particularly banking and electronics [1][2]. Group 1: Fundraising Overview - 144 companies have implemented private placements this year, with a total of 159 records and 1,077.79 million shares issued, raising 857.686 billion yuan [1]. - The distribution of fundraising by market shows that 31 companies in the Shenzhen Main Board raised 50.206 billion yuan, 58 companies in the Shanghai Main Board raised 715.004 billion yuan, 26 companies in the ChiNext raised 36.824 billion yuan, and 29 companies in the Sci-Tech Innovation Board raised 55.651 billion yuan [1]. - The industries with the highest number of placements include electronics (24 companies), power equipment (16 companies), and basic chemicals (16 companies), while the highest fundraising amounts were seen in banking (520 billion yuan), electronics (59.224 billion yuan), and non-bank financials (56.684 billion yuan) [1]. Group 2: Top Fundraising Companies - The company that raised the most funds is Bank of China, with 165 billion yuan, followed by Postal Savings Bank (130 billion yuan) and Bank of Communications (120 billion yuan) [2]. - Other notable companies include China Construction Bank (105 billion yuan), Guolian Minsheng (31.492 billion yuan), and Yuan Da Environmental Protection (23.576 billion yuan) [2]. Group 3: Premium and Discount Analysis - Among the private placements, 143 records show a premium of the latest closing price over the placement price, with the highest premiums recorded by AVIC Fei (820.23%), *ST Songfa (736.71%), and Dongshan Precision (652.91%) [2][3]. - Conversely, 15 records show a discount, with the largest discounts seen in Shen High-Speed (30.69%), Aibo Medical (21.45%), and Bank of Communications (13.51%) [2][4].

该行通过完善会计核算内控制度、严格运行时序管理、常态化开展会计核算业务风险排查，规范凭证审 核流程与事后监督操作，辖区现金出入库、再贷款、会计报账、固定资产变动与国库计息等业务规范性 与准确率显著提升，内控管理效能持续增强。该行还联合中国人民银行陕西省分行及榆林市分行，组织 陕西省榆横汇发村镇银行、宁夏盐池汇发村镇银行成功开展"ACS及综合前置子系统跨省联合应急演 练"，有效验证了ACS系统（中央银行会计核算数据集中系统）在跨省域场景下的业务连续性与应急处 置能力，为全国毗邻地区人民银行系统及ACS接入机构协同应对系统突发事件，提供可复制的实践经 验。 银行账户管理服务提质增效 近年来，中国人民银行吴忠市分行坚守以人民为中心的发展理念，锚定服务实体经济、防控金融风险、 深化金融改革三大核心任务，聚焦县域支付服务痛点难点，按照"法定职责不缺位、服务质效不下降、 监督管理不放松"的原则，通过流程再造、机制创新、科技赋能和精准治理，不断优化支付服务供给， 显著提升了县域金融服务的可得性、便捷性与安全性，为地方经济发展筑牢支付保障根基。 会计核算业务流程全面优化 中国人民银行吴忠市分行高效推动县域邮储银行（60165 ...

Core Insights - The article highlights the successful implementation of a financial initiative in Panzhihua City, where the local branch of the People's Bank of China has promoted the purchase of government bonds among farmers, particularly in the pomegranate-growing region of Datian Town, creating a new path for wealth generation through "industry operation + asset appreciation" [1][2] Group 1: Financial Initiative - The People's Bank of China in Panzhihua has focused on integrating government bond services into the local agricultural ecosystem, specifically targeting the pomegranate industry to address the financial needs of farmers [1] - The initiative has involved setting up educational programs and direct services in local communities to inform farmers about the benefits of government bonds, including on-site calculations of potential earnings [1][2] Group 2: Impact on Farmers - As of September 2025, pomegranate farmers in Datian Town purchased a total of 1.25 million yuan in government bonds through the Postal Savings Bank, accounting for 75% of the total rural residents' bond purchases in the town [2] - The "dual income" model of "growing pomegranates + buying government bonds" has provided farmers with a stable path to increase their income through both operational and asset-based earnings [2] Group 3: Broader Financial Trends - By the end of September 2025, Panzhihua City had sold a total of 11.25 million yuan in government bonds, with rural purchases making up 66.22% of this total, contributing to a cumulative increase in rural residents' asset income of 5.2958 million yuan [2] - The initiative reflects a broader trend of financial institutions enhancing their services in rural areas, addressing the challenges of rural financial management through localized support and regulatory guidance [2]