以上内容为证券之星据公开信息整理，由AI算法生成（网信算备310104345710301240019号），不构成投资建议。 从资金流向上来看，当日国有大型银行板块主力资金净流出5.43亿元，游资资金净流入2.32亿元，散户资 金净流入3.11亿元。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 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601939 建设银行 | | -1881.14万 | -3.59% | 1195.21万 | 2.28% | 685.94万 | 1.31% | | 601988 中国银行 | | -4754.44万 | -4.54% | -135.47万 | -0.13% | 4889.91万 | 4.67% | | 601398 工商银行 | | -5965.57万 | -4.34% | -268.76万 | -0.20% | 6234.34万 | 4.53% | | 601328 交通银行 | ...

12月23日，中国邮政集团有限公司（以下简称"中国邮政集团"）发布《中国邮政集团有限公司领导人员调整》公告，集团召开党组会议，宣布中共中央组 织部的任免决定：芦苇任中国邮政集团副总经理、党组成员，免去刘建军的中国邮政集团副总经理、党组成员职务。芦苇后续拟出任邮储银行（601658） 行长一职。 2022年10月，因工作调整，芦苇辞任中信银行副行长，同时赴任中信信托，2023年3月起任中信信托总经理，2024年5月升任中信信托董事长。 今年2月，芦苇回归中信银行，接任行长职位，中信银行原行长刘成赴任中信建投（601066）证券出任董事长。 也就是说，芦苇此次加入邮储银行，距离其重返中信银行仅过去10个月。 据了解，刘建军出任邮储银行党委书记、行长职位近4年半，目前已年满60岁。 刘建军担任邮储银行行长期间，该行围绕打造"一流大型零售银行"战略目标，推动邮储银行"更加普惠、更加均衡、更加稳健、更加智慧、更具活力"。零 售业务方面，截至2025年9月末，该行客户资产管理(AUM)规模达17.89万亿元，较上年末增长超7%。 截至2025年9月末，邮储银行资产规模为18.61万亿元，较上年末增长8.90%。今年前三季 ...

18万亿零售大行，或将再迎来一位股份行背景并曾执掌头部信托的新任行长！ 据了解，刘建军已出任邮储银行党委书记、行长职位近4年半，目前已年满60岁。 现年54岁的芦苇是中信银行"老将"，在该行任职达26年，其间曾调任中信信托。此次加入邮储银行，距离其重返中信银行仅过去10个月。今年 8月，芦苇在中信银行业绩说明会上曾表态，该行已摒弃规模情结，更专注于效益和质量并重的增长。 芦苇有望出任邮储银行行长 12月23日，中国邮政集团宣布领导人员调整，其中，芦苇任中国邮政集团副总经理、党组成员，免去刘建军的中国邮政集团副总经理、党组成 员职务。 这也意味着，在该公告发布的稍早前传出的消息——芦苇将接棒刘建军、赴邮储银行出任行长的消息或被坐实。 公开简历显示，芦苇参加工作以来主要任职经历均在中信集团，其中，供职中信银行26年、中信信托2年。 1997年1月，芦苇加入中信银行，历任总行计划财务部(现财务会计部)副总经理、总经理，资产负债部总经理，香港分行筹备组副组长，中信 银行董事会秘书，深圳分行党委书记、行长；2020年10月任中信银行党委委员，2021年4月任中信银行副行长。 2022年10月，因工作调整，芦苇辞任中信银 ...

初冬时节，走进青海省黄南州同仁市保安村的画室，阳光透过格窗洒在扎西尖措手中的狼毫笔上。他蘸 取研磨好的颜料，在43米长的唐卡画卷上细细勾勒出宗教的庄严法相、飞天飘逸的衣袂纹路。"光是勾 勒这些线条，就花了我们一个多月时间。"扎西尖措轻抚画布说道。 近年来，在中国人民银行青海省分行的指导下，当地金融机构立足高原非遗产业特色，将普惠金融服务 与非遗传承发展深度融合，通过创新信贷产品、优化服务模式等举措，为千年技艺插上"金融翅膀"，让 高原上的传统技艺在新时代焕发新生机。 一笔一画绘就唐卡新生 同仁市素有"中国唐卡艺术之乡"的美誉。在这里，几乎家家有画师，人人会执笔，而扎西尖措便是其中 之一。 "唐卡制作工艺极为复杂，从绷布、打磨、起稿到着色、描金、开眼，完成一幅精品往往需要数月乃至 数年。"扎西尖措担忧地说道，"现在愿意沉下心来学习唐卡的年轻人越来越少了。" 唐卡艺术最早可追溯至吐蕃时期，被学界誉为"藏族文化的百科全书"，凭借其独特的矿物颜料使用技艺 和绘画工艺，唐卡已被列入国家级非物质文化遗产代表性项目保护单位名单。然而，优质原材料价格昂 贵、创作周期长、资金回笼慢等问题，让不少唐卡艺人难以为继。 两年前，扎西 ...

Core Viewpoint - Postal Savings Bank of China (PSBC) shows a mixed performance in trading and financing activities, with low financing balance and high securities lending balance, indicating potential investment opportunities and risks in the banking sector. Group 1: Trading Performance - On December 23, PSBC's stock increased by 0.37% with a trading volume of 739 million yuan [1] - The financing buy-in amount for PSBC on the same day was 71.95 million yuan, while the financing repayment was 72.23 million yuan, resulting in a net financing buy of -0.2829 million yuan [1] - As of December 23, the total financing and securities lending balance for PSBC was 1.081 billion yuan [1] Group 2: Financing Activities - The current financing balance for PSBC is 1.075 billion yuan, which accounts for 0.29% of its market capitalization, indicating a low financing level compared to the past year [1] - On December 23, PSBC repaid 8,300 shares in securities lending and sold 10,100 shares, with a selling amount of 55,000 yuan based on the closing price [1] - The remaining securities lending balance is 1.0317 million shares, with a total balance of 5.6228 million yuan, which is above the 70th percentile of the past year, indicating a high level [1] Group 3: Company Overview - PSBC, established on March 6, 2007, and listed on December 10, 2019, provides banking and financial services in China [2] - The bank's main business segments include personal banking (65.15% of revenue), corporate banking (22.71%), and funding operations (12.10%) [2] - As of September 30, PSBC had 142,600 shareholders, a decrease of 13.09% from the previous period, with an average of 478,570 circulating shares per shareholder, an increase of 15.29% [3] Group 4: Financial Performance - For the period from January to September 2025, PSBC achieved an operating income of 265.08 billion yuan, a year-on-year increase of 1.82% [3] - The net profit attributable to shareholders for the same period was 76.562 billion yuan, reflecting a year-on-year growth of 0.98% [3] - Since its A-share listing, PSBC has distributed a total of 137.796 billion yuan in dividends, with 77.395 billion yuan distributed in the last three years [4]

自2017年起，芦苇跻身中信银行管理层，先后担任董事会秘书、董事会秘书（业务总监级）、业务总 监、党委委员、副行长，其间先后兼任香港分行筹备组副组长，总行资产负债部总经理，阿尔金银行筹 备组副组长、董事，深圳分行党委书记、行长等。 2020年10月，芦苇转任中信信托总经理，并于2024年5月升任该公司董事长。2025年2月，他回归中信银 行担任党委副书记；4月，其行长任职资格获批；6月，董事任职资格获批。 与芦苇一样，刘建军同样拥有极为深厚的银行业从业背景。他出生于1965年8月，自2021年8月起任邮储 银行执行董事、行长。此前，他曾任中国建设银行山东省分行潍坊分行副行长、济南分行副行长、德州 分行行长，招商银行济南分行副行长，招商银行总行零售银行部总经理、零售综合管理部总经理、总行 业务总监兼零售金融总部常务副总裁、信用卡中心理事长，招商银行执行董事、副行长、董事会秘书等 职务。 曾言"效益和质量并重" 据财报介绍，邮储银行是中国领先的大型零售银行，坚守服务"三农"、城乡居民和中小企业的定位；截 至2025年6月末，该行拥有近4万个营业网点，服务个人客户超6.7亿户，继续保持优良的资产质量。 12月23日 ...

12月23日，中国邮政集团有限公司召开党组会议，宣布相关任免决定。据该公司官网信息，芦苇同志担 任中国邮政集团有限公司副总经理、党组成员，同时免去刘建军同志的中国邮政集团有限公司副总经 理、党组成员职务，相关程序按法律规定办理。有知情人士表示，在履行后续程序后，芦苇被推荐为邮 储银行行长拟任人选。现任邮储银行行长刘建军生于1965年8月，目前已年满60周岁。 声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 本文源自：市场资讯 作者：观察君 芦苇出生于1971年10月，拥有澳大利亚迪肯大学会计学硕士学位，并持有中国、中国香港、澳大利亚三 地注册会计师资格。他于1997年加入中信银行，曾先后在总行营业部及多家分行担任关键职务。在中信 银行任职期间，芦苇历次职务调整均通过董事会审议程序并获得监管批复。2025年4月，芦苇正式出任 中信银行行长一职。 邮储银行的公开财务信息显示，该行资产规模保持增长。截至2025年9月末，其资产总额为18.61万亿 元，较上年末增长8.90%。2025年前三季度，邮储银行实现营业收入2650.80亿元，同比增长1.82%；净 利润为767. ...

Core Viewpoint - The recent leadership changes at China Postal Group, with Lu Wei appointed as Vice President and Liu Jianjun removed from the position, highlight a strategic shift in the company's management as it continues to focus on retail banking and wealth management growth. Group 1: Leadership Changes - Liu Jianjun has been relieved of his duties as Vice President and Party Member of China Postal Group, effective immediately [1] - Lu Wei has been appointed as the new Vice President and Party Member of China Postal Group [1] Group 2: Liu Jianjun's Background - Liu Jianjun, born in August 1965, has extensive experience in state-owned and joint-stock banks, starting his career at China Construction Bank in 1988 [2][4] - He played a significant role in the retail banking transformation at China Merchants Bank, contributing to its reputation as a leader in retail banking [5] Group 3: Postal Savings Bank Performance - Under Liu Jianjun's leadership, Postal Savings Bank reported a retail AUM of 17.89 trillion yuan, a growth of over 7% compared to the previous year [8] - The bank's net income for Q3 reached 767.94 billion yuan, with a year-on-year increase of 1.07% [6] - The bank maintained a low non-performing loan ratio of 0.94%, significantly lower than its peers [6] Group 4: Strategic Focus on Retail Banking - Liu Jianjun emphasized the importance of transforming Postal Savings Bank from a "savings bank" to a "wealth management bank," leveraging its extensive network and customer base [7] - The bank's new organizational structure includes a dedicated wealth management department to enhance its service offerings [7] Group 5: Technological Integration - Liu Jianjun highlighted the role of technology in transforming financial services, advocating for the integration of AI, big data, and cloud computing into banking operations [9] - The bank aims to become a digital ecosystem bank, focusing on innovation and technology-driven financial services [9] Group 6: Support for Technology Enterprises - Postal Savings Bank has developed a comprehensive service strategy for technology enterprises, serving over 100,000 tech firms and achieving a technology loan balance exceeding 940 billion yuan [10] - The bank is committed to promoting inclusive finance, with significant investments in rural and small micro-enterprise loans [11]

Core Insights - The automotive finance market in China is experiencing intensified competition due to various favorable policies, leading to unconventional financial offerings such as "0 down payment + 0 interest" [1][3][4] - Financial institutions are collaborating with both traditional fuel vehicle manufacturers and new energy vehicle producers to lower purchase costs and simplify loan processes, aiming to capture market share during peak sales seasons [1][2][5] Group 1: Market Dynamics - December is identified as a critical month for sales, with automakers and financial institutions increasing consumer incentives to boost vehicle sales [1][2] - Financial institutions are strategically increasing auto loan offerings to compensate for declines in other lending areas, such as housing loans, while also aiming to expand their market presence [5][6] Group 2: Financial Offerings - Various auto loan options are being presented, including significant discounts on vehicle prices and flexible repayment terms, such as "loan for 5 years, pay back in 2 years" [1][2] - Some dealerships are offering "0 down payment + 0 interest" financing options, which have become more common since the new auto loan regulations were implemented in 2024 [3][4] Group 3: Industry Transformation - The automotive finance sector is undergoing a transformation, moving from a focus on high commissions and short-term incentives to a more compliant and customer-oriented service model [5][6] - Financial institutions are expected to develop customized financial solutions tailored to specific purchasing scenarios, such as for new energy vehicles and used car transactions, while enhancing digital and online service capabilities [6]

Core Insights - The article highlights the importance of intelligent services in banking, particularly focusing on how Postal Savings Bank is addressing the digital divide for elderly customers [1][2] - The bank's initiative includes user-friendly smart devices and personalized guidance to enhance customer experience and efficiency [1][2] Group 1: Intelligent Services - Intelligent services have become the new norm in banking, with a focus on making technology accessible to all customers, especially the elderly [1] - The smart devices at Postal Savings Bank's Xiangjin County branch are designed to be simple to operate and transparent in process, significantly improving business efficiency [1] Group 2: Customer Experience - The bank emphasizes a one-on-one companion service for elderly clients, ensuring staff are present to guide them through the process and alleviate their concerns [2] - Feedback from customers, such as Mr. Zhang, indicates a positive shift in perception towards technology, highlighting satisfaction with the ease of use and the supportive staff [2] Group 3: Commitment to Service - Postal Savings Bank is committed to continuously optimizing service processes, making the "cloud cabinet" not just an efficient tool but also a means of conveying care and warmth [2] - The bank aims to provide professional, standardized, and heartfelt financial services, particularly focusing on the needs of elderly customers [2]