邮储银行（601658）依托中国邮政商流、物流、资金流、信息流"四流合一"资源优势，以"金融+电商 +物流"的创新模式，为荔枝产业和全链条上的民营企业保驾护航，让这颗承载千年文化记忆的"黄金 果"在乡村振兴的新征程中焕发出蓬勃生机。 日啖荔枝三百颗，不辞长作岭南人。广东茂名是荔枝主产区，栽培历史超过2300年。目前，茂名荔枝种 植面积在140万亩左右，全球每5颗荔枝就有1颗产自茂名。 在广东省高州市大井镇，进入桂味荔枝采摘旺季，高州市伯健农业发展有限公司（以下简称"伯健农 业"）每天能销售荔枝7.5万斤左右。为收到优质好果，伯健农业的董事长江先生每天都亲自到田间地头 收购果农当天采摘下来的荔枝。 "我们的荔枝打包方法是经过层层筛选而来的。荔枝用的是软枝发货，就是为了让荔枝保存养分，起到 保鲜的作用。伯健农业有4个荔枝分拣场，全部加起来大概一天出货3万单，重量在15万斤左右。为了保 质保量，少了资金可不行。"江先生表示，伯健农业作为当地的农业龙头企业，随着业务持续拓展，难 免会遇到采购种苗、肥料以及升级冷链物流设施等方面的资金周转压力。 "长安回望绣成堆，山顶千门次第开。一骑红尘妃子笑，无人知是荔枝来。"近期， ...

Group 1 - The State Council's executive meeting on July 31 proposed the implementation of interest subsidy policies for personal consumption loans and loans for service industry operators, aiming to lower credit costs and stimulate consumption potential [3][4][5] - Major state-owned banks, including Industrial and Commercial Bank of China (ICBC) and Agricultural Bank of China (ABC), have expressed their commitment to actively implement these policies, simplifying application processes and ensuring effective delivery to consumers and service operators [3][4][5] - Previous pilot programs in regions like Sichuan, Chongqing, and Hangzhou have already implemented similar interest subsidy measures, with subsidy rates around 1.5% [7][8] Group 2 - The policies are designed to enhance market vitality and stimulate domestic consumption, with a focus on reducing financing costs for both residents and service industry operators [3][5][12] - Banks are expected to leverage digital tools and innovative financial products to support consumption and meet the financial needs of consumers effectively [5][10] - The implementation of these policies is anticipated to lower the effective interest rates on personal loans, potentially bringing them below 3%, thereby easing the repayment burden for consumers [11][12] Group 3 - The execution of the interest subsidy policy will require banks to streamline their processes, ensuring that eligible consumers can access the benefits quickly and efficiently [9][10] - The financial sector is expected to adapt by creating tailored loan products that align with consumer needs in key areas such as automotive, home appliances, and home renovations [10][11] - The overall impact of the subsidy policy is projected to benefit both consumers and banks, enhancing consumer confidence and potentially increasing loan volumes for banks [12]

| 601860 | 紫金银行 | -0.66 | 1.78 | -778.68 | | --- | --- | --- | --- | --- | | 600036 | 招商银行 | -0.29 | 0.21 | -666.17 | | 002807 | 江阴银行 | -0.83 | 0.70 | -583.01 | | 601825 | 沪农商行 | -0.53 | 0.16 | -572.73 | | 002948 | 青岛银行 | 0.99 | 1.24 | -410.70 | | 601963 | 重庆银行 | -0.48 | 0.50 | -306.36 | | 600000 | 浦发银行 | 0.29 | 0.28 | -259.69 | | 601187 | 厦门银行 | 0.00 | 1.63 | -242.53 | | 600928 | 西安银行 | 0.26 | 0.59 | -97.37 | | 600908 | 无锡银行 | -0.49 | 0.59 | -37.20 | | 603323 | 苏农银行 | -0.73 | 0.99 | 378.64 | | 002958 | 青农商 ...

国有大行近期纷纷发布公告，火速响应个人消费贷款和消费行业贷款贴息政策。此前召开国务院常务会 议提出，实施个人消费贷款贴息政策与服务业经营主体贷款贴息政策。 多位业内人士指出，消费是最终需求，是生产的动力和最终目的。在大力提振消费的背景下，适当降低 个人消费贷款利率、提高贷款额度，合理延长贷款期限，放宽相关要求，有助于更好地发挥消费金融的 积极作用，更好地满足居民大宗消费和日常消费需求，帮助商户、企业扩大销售业绩，进一步助力提振 消费、扩大内需。 今年以来，在一系列增量政策措施推动下，国内消费市场回升向好，但恢复的态势并不稳固，特别是居 民消费需求仍然较为疲软，物价水平还在低位徘徊，市场信心和预期偏弱。多位业内专家认为，国务院 常务会议部署实施个人消费贷款贴息政策与服务业经营主体贷款贴息政策，具有必要性和紧迫性。 招联首席研究员董希淼表示，通过财政贴息，一方面降低居民消费信贷成本，提高居民运用金融杠杆扩 大消费的意愿和能力；一方面降低消费领域经营主体的融资成本，支持和鼓励经营主体提供更多优质产 品和服务，适度让利于民。而财政贴息政策将从需求和供给两端发力，并强化与金融政策协同，进一步 助力提振消费、扩大内需。 ...

2025年8月5日，中国邮政储蓄银行发布公告称，近期中国邮政储蓄银行正在扣划邮储银行（601658）网 商贷逾期客户银行账户款项用于偿还以上业务项下的欠款。根据中国邮政储蓄银行已与您签署的《授信 及借款合同》/《贷款协议》/《经营性联合贷款合同》，中国邮政储蓄银行有权扣划您在中国邮政储蓄 银行银行账户内的款项用以偿还对应欠款。如需查询扣划记录，可登录支付宝终端，点击"我的-网商 贷-还款-借还记录"进行查询。由此给您带来的不便，敬请谅解。 如有任何疑问或需帮助，敬请致电中国邮政储蓄银行24小时客户服务电话。 ...

Group 1 - The insurance capital market is experiencing a wave of shareholding activities, with 21 instances of insurance companies acquiring stakes in listed companies this year, surpassing the total of 20 for the entire year of 2024 [1][2] - Major insurance companies involved in this trend include China Post Insurance, Taikang Life, and several others, indicating a strong interest in equity investments [1][2] - The surge in shareholding activities is attributed to adjustments in asset allocation strategies by insurance companies, driven by supportive policies for long-term capital market investments [1][2] Group 2 - The companies targeted for shareholding include major banks and firms across various sectors, with bank stocks being the most frequently acquired [2] - Ping An Life has notably made seven acquisitions of bank stocks this year, indicating a focused strategy on this sector [2] - The regulatory environment has been favorable, with policies encouraging insurance funds to increase their equity investments, leading to a significant rise in the market value of equity holdings [2][3] Group 3 - The Ministry of Finance has adjusted the assessment methods for insurance fund performance, emphasizing long-term investment strategies, which is expected to enhance the role of insurance capital in the market [3] - The outlook for the second half of the year suggests that the trend of insurance capital acquiring stakes will continue, supported by ongoing policy initiatives [3]

Core Viewpoint - Postal Savings Bank of China Beijing Branch has actively responded to the severe flooding in Beijing from July 23 to 29, implementing emergency plans to support disaster recovery and ensure uninterrupted financial services for affected residents and businesses [1][2][3]. Group 1: Financial Services - The bank has introduced a series of relief measures for disaster-affected customers, including loan extensions, deferred repayments, and waiving overdue interest to alleviate financial pressure [2]. - A total of approximately 20 million yuan has been involved in loan extensions and deferrals for affected enterprises [2]. - The bank has established a green approval channel to prioritize processing for severely affected clients, ensuring rapid access to reconstruction funds [2][3]. Group 2: Support for Reconstruction - The bank has conducted a thorough assessment of the disaster's impact, reaching out to 656 clients to understand their operational challenges and funding needs [3]. - Customized financial solutions, including on-site services and preferential interest rates, have been offered to businesses and individuals involved in disaster recovery [3]. - A "Rural Revitalization Volunteer Service Team" has been formed to provide financial assistance and support to agricultural enterprises and individual businesses in severely affected areas [3]. Group 3: Community Engagement - The bank has mobilized resources to provide emergency supplies such as raincoats, food, and drinking water to disaster-stricken areas [4]. - Internal fundraising efforts have raised 11,600 yuan for purchasing essential supplies for the affected regions [4]. - The bank has collaborated with local veteran affairs departments to deliver aid and support to frontline rescue teams [4]. Group 4: Operational Resilience - The bank's branches have implemented 24-hour monitoring and emergency response measures to ensure safety and continuity of services during the flooding [6]. - Despite some branches being temporarily closed due to road collapses and network disruptions, 49 other financial service outlets continued to operate safely [6]. - Simplified processes for clients to replace lost documents and dedicated customer service hotlines have been established to assist affected customers [6]. Group 5: Future Commitment - The bank is committed to ongoing support for disaster recovery efforts, focusing on policy support, financial services, and material assistance to help affected residents rebuild their lives [7]. - The bank aims to play a pivotal role in the economic recovery of the disaster-stricken areas, contributing to the region's social and economic development [7].

7月31日，国务院常务会议提出，实施个人消费贷款贴息政策与服务业经营主体贷款贴息政策。目前， 工行、农行、中行、建行、交行和邮储银陆续表态，将积极响应相关政策，助力消费升级与服务业焕 新。 国有大行第一时间响应。 工商银行发布公告称，将坚持市场化、法治化原则，优化办理流程、简化手续，推动政策尽快实施。 农业银行表示，将积极落实会议部署，按照有关部门要求，进一步简化申请流程，提升办理效率，加强 资金合规使用，确保贴息政策精准高效直达广大消费者和服务业经营主体，及时将政策精准传导至千企 万户。 建设银行表示，将按照上级单位有关要求，切实做好个人消费贷款和服务业经营主体贷款贴息政策的传 导落实，让消费市场参与方更加便捷地获得国家政策红利，激发消费潜力，提升市场活力，以高质量金 融服务助力扩大消费需求，提升消费能力，更好发挥消费在畅通国民经济循环、拉动经济增长中的积极 作用。 值得一提的是，虽然新政具体执行细则还未披露，但据公开信息显示，在此之前至少已经有三地实施了 消费贷贴息政策，贴息幅度多在1.5%左右。 中国银行则表示，将全力抓好贴息政策的组织实施，推动政策尽快落地，以高效、精准、优质的金融服 务，推动政策红利 ...

Core Viewpoint - The State Council's meeting proposed implementing interest subsidy policies for personal consumption loans and service industry loans to stimulate consumption and enhance market vitality [1][3]. Group 1: Policy Implementation - Major state-owned banks, including ICBC, ABC, BOC, CCB, PSBC, and Bank of Communications, have expressed their commitment to actively support the new policies and facilitate consumption upgrades and service industry revitalization [1][4][5]. - The specific execution details of the new policies have not yet been disclosed, but prior implementations in at least three regions have shown interest subsidy rates around 1.5% [1][9]. Group 2: Economic Impact - The interest subsidy policies aim to lower the credit costs for residents and financing costs for service industry entities, thereby stimulating consumption potential and enhancing market activity [3][6]. - The policies are expected to counteract external demand fluctuations and promote economic growth while upgrading consumption infrastructure and service capabilities [6]. Group 3: Regional Implementation Examples - Prior to the national policy, regions like Sichuan, Chongqing, and Hangzhou's Yuhang District had already implemented consumption loan interest subsidies, with varying conditions and subsidy rates [6][9]. - For instance, Sichuan's subsidy applies to specific categories of goods, while Chongqing limits it to designated merchants, and Yuhang has income restrictions for applicants [6]. Group 4: Financial Institutions' Response - Financial institutions are expected to benefit from the new subsidy policies, as they can increase the scale of consumer loans without pursuing lower-tier clients, thus improving their overall loan performance [8][9]. - The subsidy rates and funding sources are under scrutiny, with examples showing that local fiscal funds primarily support these initiatives, with specific ratios of burden-sharing between provincial and municipal levels [9].

Core Viewpoint - The banking industry is accelerating the layout of scenario-based financial services, aiming to build a new service ecosystem by deeply embedding into enterprise operational scenarios [1] Group 1: Service Development - China Postal Savings Bank launched the "Postal Financial Management +" series of services to assist enterprises in establishing a "system collaboration" in an efficient manner [1] - The "Postal Financial Management +" integrates various services such as treasury cloud, enterprise collection, payment, operation, connection, and management, providing a systematic service for financial funds, assets, and resource coordination, serving over 200,000 enterprise clients [2] - The service features inclusiveness, intelligence, and openness, innovatively creating a product system that meets the full lifecycle needs of enterprises, showcasing the responsibility of state-owned banks in financial service [2] Group 2: Digital Transformation - In the context of enterprise digital transformation, banks are accelerating the construction of intelligent financial asset management systems [3] - A certain joint-stock bank in Guangzhou launched a "financial asset management cloud product system" to assist enterprises in digital transformation, optimizing financial management processes and enhancing operational efficiency [3] - Another joint-stock bank in Shanghai focuses on treasury system construction as a breakthrough for financial management digital transformation, helping state-owned enterprises enhance efficient and secure fund management [3] Group 3: Challenges and Strategic Focus - Enterprises face three unavoidable challenges during digital transformation: data silos, efficiency bottlenecks, and security risks, which necessitate the development of a financial management digital service system by banks [4] - The banking service model has shifted to focus on the ecological scenarios of enterprise operations, requiring a customer demand-oriented approach and breaking down product chain barriers [4]