Core Viewpoint - Postal Savings Bank of China announced the integration of its independent credit card app into the main Postal Bank app, marking a shift in strategy as the bank aims to enhance user experience and reduce operational costs [1][6]. Group 1: App Integration and User Transition - The independent "Postal Credit Card App" will gradually cease updates, with all functionalities migrating to the "Postal Bank App" [1][6]. - As of November 15, the bank had already suspended new user registrations and card activations for the independent app, offering incentives such as 228 yuan in discounts to facilitate user transition [2][7]. - This move follows a trend among major state-owned banks, with Bank of China having already closed its independent credit card app in September [2][7]. Group 2: Market Trends and Regulatory Environment - The closure of independent credit card apps reflects a broader industry trend as banks shift from high-growth strategies to focusing on existing customer bases amid rising customer acquisition costs [2][3]. - Regulatory guidance from the National Financial Supervision Administration emphasizes the need for financial institutions to optimize or terminate low-activity apps, promoting a "less is more" approach [2][3]. Group 3: Structural Adjustments in Banking - Experts suggest that the integration is driven by the need to reduce costs and improve user experience, as the profitability of credit card services has been declining [3][8]. - Several banks have restructured their credit card divisions, indicating a shift in organizational strategy to enhance service efficiency [3][8]. Group 4: Product Strategy Changes - The issuance of co-branded credit cards has significantly decreased, with major banks halting nearly 100 co-branded cards due to high costs and low user engagement [4][9]. - Credit card benefits are also being reduced, with at least eight banks adjusting their offerings in various sectors, reflecting a reevaluation of cost-effectiveness [4][9]. Group 5: Market Dynamics and Future Outlook - The credit card market is undergoing structural adjustments, with the total number of credit cards in China decreasing to 707 million by the end of Q3 2025, down by 20 million from the beginning of the year [10]. - The industry is transitioning from "incremental expansion" to "deep cultivation of existing customers," focusing on efficiency, user experience, and sustainable development [5][10].

南方财经全媒体记者 林汉垚 近日，21世纪经济报道记者获悉，原中信银行行长芦苇拟调任邮政集团党组成员、副总经理，同时拟任 邮储银行行长一职。 公开资料显示，芦苇生于1971年10月，澳大利亚迪肯大学会计学硕士。1994年7月参加工作，1997年入 职中信银行。 2017年1月至2019年6月，芦苇任中信银行董事会秘书、公司秘书和授权代表。2019年1月起任深圳分行 党委书记，同年5月起任深圳分行行长。 2019年7月起，芦苇任中信银行业务总监，并自2020年10月起担任中信银行党委委员。同时，芦苇还曾 担任中信银行香港分行筹备组副组长、阿尔金银行董事。 2020年11月，中信银行发布董事会会议决议公告称，董事会同意聘任芦苇为该行副行长。2021年4月， 原银保监会对上述任职资格进行了批复。 正式担任中信银行副行长两年后，芦苇又出任中信信托总经理，并在2024年5月升任中信信托董事长。 2025年2月，芦苇回归中信银行，并出任中信银行行长。 彼时，中信银行发布的董事会会议决议公告显示，该行董事会审议通过《关于聘任芦苇先生为中信银行 股份有限公司行长的议案》，同时审议通过《关于提名芦苇先生为中信银行股份有限公司第 ...

【文/羽扇观金工作室】 国有大行高管层再迎重大变动。12月23日，腾讯新闻《一线》从多方获悉，中信银行党委副书记、行长 芦苇将调任中国邮政集团有限公司，出任党组成员，并担任邮储银行相关职务；待相关流程完成后，芦 苇或将接任邮储银行行长。财新亦从接近监管层人士处获得相似信息。与此同时，现任邮储银行党委书 记、行长刘建军已于今年8月年满60周岁，面临到龄退休。 这一人事调整若落地，将成为今年年末银行业最重磅高管变动。对于芦苇而言，今年4月刚从中信信托 回归中信银行出任行长，履职仅8个月便再度换岗，完成从头部股份行到国有大行的跨越。资料显示， 现年54岁的芦苇是"老中信"，1997年入职中信银行后深耕26年，历任计划财务部总经理、资产负债部总 经理、董事会秘书、深圳分行行长、副行长等要职，2022年调任中信信托任董事长，今年2月回归中信 银行。 而对于资产规模逾18.6万亿元的邮储银行，行长更迭事关这家以"三农"、城乡居民和中小企业为服务定 位的零售银行战略延续。刘建军1965年8月出生，曾在招商银行深耕20年，是招行零售转型的核心推动 者之一，2021年出任邮储银行行长。今年1月，他打破国有大行惯例，以行长身份兼 ...

清晨通勤的地铁上，手指轻划屏幕就能查看上个月的工资明细；午休间隙，只需对着AI智能助理轻 语，就能瞬间完成给家人的转账；睡前规划理财，首页还能精准推送适合自己的产品——这些高效又贴 心的金融场景，并非遥远的构想，而是邮储银行（601658）手机银行为用户打造的日常体验。 在数字金融深度融入生活的今天，用户体验早已成为银行竞争的核心赛道，各银行都在纷纷加码手机银 行智能化升级以抢占市场先机，而邮储银行的创新实践尤为亮眼。 近日，中金金融认证中心（CFCA）发布的《2025数字银行调查报告》显示，邮储银行个人手机银行用 户体验得分连续三年稳居行业榜首，综合评测总得分跻身行业第二名。 这份"三连冠"的成绩单，从来不是偶然，而是藏在每一次操作简化、每一个场景对用户需求的精准把握 ——是邮储银行对"金融为民"初心的坚守，更是以科技赋能服务的硬核实力体现。 12月10日，在2025年数字金融大会上，邮储银行手机银行11.0版本正式亮相，以"邮AI，智慧陪伴每一 刻"的服务初心，邮储银行推动手机银行完成了从功能型工具向陪伴型伙伴的演进，为客户提供智慧相 伴、场景相通、信任相守的"贴心陪伴"服务。 "对话即服务" AI重构手 ...

Core Viewpoint - The Postal Savings Bank of China in Sanmenxia City has innovatively integrated financial services with community health care through the establishment of "Postal Love Station" and "China Post Health Station," enhancing the accessibility and quality of services for local residents [1][2] Group 1: Financial Services Innovation - The Sanmenxia branch has been recognized as a "five-star outlet," showcasing its commitment to providing high-quality financial services [1] - The "Postal Love Station" offers a range of convenient facilities and services, including a "green channel" for elderly and disabled customers, ensuring personalized assistance and reducing the need for multiple visits [1] - The branch has hosted over 20 themed events in its specially designed tea room, attracting more than 500 customers, thereby fostering community engagement through financial education [1] Group 2: Health Services Integration - The "China Post Health Station" extends health management services to the community, equipped with smart devices for free health checks, catering to diverse demographic needs [2] - Staff members are trained to assist customers with health equipment and interpret test results, enhancing the overall service experience [2] - The station collaborates with top-tier hospitals to provide health lectures and workshops, promoting health awareness and proactive health management among residents [2] Group 3: Future Developments - The Sanmenxia branch plans to continuously upgrade its dual-station services, aiming to enrich community support and health service offerings [2] - The initiative positions the bank as a vital community hub, contributing to the well-being and quality of life for local residents [2]

54岁的中信银行"老将"芦苇，在中信系统深耕28年后，将执掌全国网点最多的国有大行。 据悉，中国邮政集团有限公司党组成员、副总经理兼邮储银行党委书记、行长刘建军现已年满60岁。作 为接棒者，中信银行行长芦苇已调任中国邮政集团有限公司党组成员、副总经理，并拟任邮储银行行长 一职。 履历丰富：深耕中信系统超28年 在中信银行总行营业部（现北京分行）工作期间（1997年1月至2013年3月），芦苇曾在多家分支行担任 要职，历任公司业务部副科长、副处长（期间曾公派英国汇丰银行泽西支行工作），西单支行负责人、 副行长、行长，京城大厦支行行长，金融同业部总经理，总行营业部党委委员、总经理助理、副总经理 等职务，积累了扎实的基层管理与金融业务经验。 复合型人才：经历覆盖银行前中后台及信托 随着管理能力的不断提升，2013年起，芦苇步入中信银行总行管理层，先后担任计划财务部副总经理 （主持工作）、计划财务部（现财务会计部）总经理、资产负债部总经理，全面负责银行的财务与资本 管理。2017年，芦苇进入中信银行高层，出任董事会秘书、公司秘书和授权代表；2019年起，他又调任 深圳分行党委书记、行长，并担任银行业务总监。2020年 ...

为满足广大投资者的理财需求，山证（上海）资产管理有限公司（以下简称"本公司"）将自2025年12月 24日起新增中国邮政储蓄银行股份有限公司（以下简称"邮储银行"）为山证资管汇利一年定期开放债券 型证券投资基金A类份额的销售机构，具体事宜如下： 一、适用基金 ■ 二、具体内容 自2025年12月24日起，投资者可通过邮储银行办理本公司旗下上述基金的开户、申购、赎回、基金转换 等业务。具体的业务流程、办理时间、办理方式以及费率优惠情况以上述销售机构的规定为准。 三、重要提示 1、本公告解释权归本公司所有。 2、投资者通过上述机构的业务办理具体事宜请遵从销售机构的相关规定。 客服电话：95580 网址：https://www.psbc.com/cn/ 2、山证（上海）资产管理有限公司 客服电话：95573、（0351）95573 本公司公募基金业务网站：https://szzg.sxzq.com/ 五、风险提示 本公司承诺以诚实信用、勤勉尽责的原则管理和运用基金资产，但不保证基金一定盈利，也不保证最低 收益。基金的过往业绩及其净值高低并不预示其未来业绩表现。投资者投资前应认真阅读基金的基金合 同、招募说明书、产品 ...

Core Viewpoint - Postal Savings Bank of China has publicly announced the information of third-party mediation organizations for financial disputes, marking the first instance among state-owned banks to disclose such information at the headquarters level [3][6]. Group 1: Announcement of Mediation Organizations - The bank has specified that the third-party mediation organization it has entrusted is the Beijing Bingzheng Banking Consumer Rights Protection Promotion Center [6]. - This move is unprecedented among major state-owned banks, as previous attempts were made at the branch level with local regulatory support [3][6]. Group 2: Regulatory Background - The external impetus for this action stems from a directive issued in April by the Financial Regulatory Bureau and the People's Bank of China, which emphasized the importance of addressing financial disputes and establishing relevant mechanisms [4]. - The internal reason includes the increasing number of disputes between banks and consumers due to changing economic conditions [5]. Group 3: Industry Response and Innovations - Various banks are actively innovating to address complaints and disputes, with some local regulators setting specific targets to reduce complaint volumes [5][10]. - Some regions have adopted practices from the insurance sector, such as providing risk warnings and mediation organization information during service transactions [5][11]. Group 4: Importance of Third-Party Mediation - The establishment of third-party mediation organizations is seen as a necessary solution, especially in cases where both banks and consumers believe they are not at fault [9]. - These organizations can facilitate communication between consumers and banks, helping to resolve issues like overdue fees more effectively [9]. Group 5: Local Regulatory Efforts - Local financial regulatory departments are placing significant emphasis on improving financial dispute mediation mechanisms and have set ambitious goals to reduce consumer complaints by approximately 30% in some regions [10]. - Many banks are enhancing their consumer rights protection departments, establishing independent offices to better safeguard consumer interests [10].

12月23日消息，金融一线获悉，中信银行行长芦苇调任邮储集团党组成员、副总经理，同时拟任邮储银 行行长一职。 据了解，邮政集团党组成员、副总经理兼邮储银行党委书记、行长刘建军现已满60岁。 "70后"芦苇是一名中信银行"老将"，1997年加入该行后，曾在多家分支行担任要职，积累了丰富的金融 管理经验；2022年10月，芦苇离开中信银行，被中信信托任命为党委书记，后获批成为该公司总经理、 董事长；今年2月，芦苇回归中信银行担任党委副书记，4月获批出任行长一职，任职经历覆盖银行前中 后台以及信托业态。 在担任行长期间，芦苇曾指出，中信银行已经摒弃了规模情结，将更专注于效益和质量并重的增长，此 构成该行财务业绩背后的业务支撑。此外，他还深度推进"五篇大文章"和"五个领先"银行战略，提出将 财富管理打造成新的增长极。 芦苇将任邮储银行行长，曾在中信系统深耕超28年 公开资料显示，芦苇，男，1971年10月出生，持有中国、中国香港及澳大利亚注册会计师资格，获澳大 利亚迪肯大学会计学硕士学位。 2020年11月，中信银行发布董事会会议决议公告称，董事会同意聘任芦苇为该行副行长，2021年4月该 任职资格获批。 而后，芦苇 ...

Core Viewpoint - Major Chinese banks, including Bank of China, China Construction Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of Communications, and Postal Savings Bank, have collectively adjusted their deposit products, particularly reducing the availability of medium to long-term deposit offerings as year-end savings demand increases [1][3]. Group 1: Changes in Deposit Products - Many customers, such as a resident in Beijing, have reported difficulties in finding suitable 5-year large-denomination certificates of deposit (CDs) as these products are no longer displayed by major banks [3]. - The interest rates for 3-year related products have dropped to between 1.5% and 1.75% across various banks [3]. - Smaller banks are also following suit, with institutions like Meizhou Commercial Bank and Yilian Bank removing 5-year fixed deposit products from their offerings [5]. Group 2: Reasons for Adjustments - The withdrawal of long-term deposit products is a response to the ongoing decline in banks' net interest margins, driven by falling loan rates that have significantly reduced asset yields [5]. - Analysts suggest that banks are compelled to eliminate high-interest long-term products to avoid severe interest margin losses or potential deficits, which could threaten their long-term stability and pose systemic risks [5]. Group 3: Implications for the Banking Sector - The adjustments in deposit products are expected to enhance the certainty of banks' profit forecasts, providing fundamental support for valuation recovery, particularly for large banks with low-cost liabilities and high dividend yields [6]. - The reduction in deposit rates may lead to a "deposit migration" effect, where funds seeking higher returns move from the banking system to capital markets, potentially benefiting direct financing markets [6].