本文源自：金融界 作者：情报员 金融界2025年8月5日消息，国家知识产权局信息显示，中国邮政储蓄银行股份有限公司取得一项名 为"基于区块链的询证数据的获取方法、获取装置和获取系统"的专利，授权公告号CN116109390B，申 请日期为2022年12月。 天眼查资料显示，中国邮政储蓄银行股份有限公司，成立于2007年，位于北京市，是一家以从事货币金 融服务为主的企业。企业注册资本9916107.6038万人民币。通过天眼查大数据分析，中国邮政储蓄银行 股份有限公司共对外投资了31家企业，参与招投标项目5000次，财产线索方面有商标信息1214条，专利 信息913条，此外企业还拥有行政许可98个。 ...

香港联交所最新资料显示，8月1日，中国平安增持邮储银行(01658)935.7万股，每股作价为5.5131港 元，总金额约为5158.61万港元。增持后最新持股数目约为29.84亿股，最新持股比例为15.02%。 ...

香港联交所最新资料显示，8月1日，中国平安（601318）增持邮储银行（601658）(01658)935.7万股， 每股作价为5.5131港元，总金额约为5158.61万港元。增持后最新持股数目约为29.84亿股，最新持股比 例为15.02%。 ...

证券之星消息，8月5日国有大型银行板块较上一交易日上涨1.57%，农业银行领涨。当日上证指数报收 于3617.6，上涨0.96%。深证成指报收于11106.96，上涨0.59%。国有大型银行板块个股涨跌见下表： | 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 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601288 农业银行 | | 2.64亿 | 8.27% | -1.81亿 | -5.66% | -8294.37万 | -2.60% | | 601988 中国银行 | | 2.36亿 | 13.11% | -1.52亿 | -8.42% | -8454.36万 | -4.69% | | 601398 工商银行 | | 1.4217 | 5.41% | -1.28亿 | -4.90% | -1345.58万 | -0.51% | | 601328 交通银行 | | 7023.60万 | 4.98% | -1.04亿 | -7.36% | 3347.86万 ...

FF301 I. 法定/註冊股本變動 1. 股份分類 普通股 股份類別 H 於香港聯交所上市 (註1) 是 | 證券代號 (如上市) | 01658 | 說明 | H股 | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 19,856,167,000 | RMB | | 1 RMB | | 19,856,167,000 | | 增加 / 減少 (-) | | | | | | RMB | | | | 本月底結存 | | | 19,856,167,000 | RMB | | 1 RMB | | 19,856,167,000 | | 2. 股份分類 | 普通股 | 股份類別 | A | | 於香港聯交所上市 (註1) | | 否 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 601658 | 說明 | A股(上海證券交易所 ...

Group 1 - The core viewpoint of the articles highlights a continuing trend of insurance funds actively participating in the capital market through share acquisitions, with a total of 21 instances reported this year, surpassing the 20 instances recorded for the entirety of 2024 [1][2] - The surge in insurance companies' share acquisitions is attributed to adjustments in asset allocation strategies, driven by supportive policies aimed at encouraging long-term capital market investments [1][2] - In July alone, four insurance companies, including Lianan Life and Taikang Life, engaged in share acquisitions, indicating sustained enthusiasm among insurers [1] Group 2 - The companies targeted for acquisitions include major banks and various sectors such as public utilities, energy, transportation, and technology, with bank stocks being the most frequently acquired [2] - Ping An Life has notably acquired bank stocks seven times this year, with multiple instances of re-acquisition for Postal Savings Bank and Agricultural Bank [2] - The regulatory environment has significantly boosted insurance funds' market participation, with a reported fund utilization balance of 34.93 trillion yuan as of the end of Q1, reflecting a 5.03% increase from the end of 2024 [3] Group 3 - Recent policy adjustments by the Ministry of Finance aim to enhance the assessment of insurance fund performance, promoting a longer-term investment approach and increasing equity investment ratios [3] - The outlook for the second half of the year suggests that the trend of insurance funds acquiring shares will continue, supported by ongoing policy initiatives that facilitate long-term investments [3]

Core Viewpoint - The establishment of the "Beijing Canal Cornerstone Charity Trust" aims to alleviate the financial burden on families with special needs by providing subsidies for real estate trust setup costs, particularly focusing on transaction taxes, with a maximum subsidy of 20,000 yuan per household [1][6]. Group 1: Trust Establishment and Purpose - The "Beijing Canal Cornerstone Charity Trust" was initiated to support families with special needs in Beijing by subsidizing the costs associated with establishing real estate trusts [1][5]. - The trust is a collaborative effort involving the Tongzhou District Civil Affairs Bureau, local citizens, and the Beijing Huizhong Charity Foundation, with Hua Bao Trust acting as the trustee [1][6]. Group 2: Special Needs Population Statistics - As of November 2024, there are approximately 35 million disabled elderly individuals in China, accounting for 11.6% of the total elderly population, with projections indicating this number could rise to 46 million by 2035 [2]. - The estimated population of individuals with intellectual disabilities in China ranges from 12 million to 20 million [2]. Group 3: Regulatory Framework and Implementation - The introduction of the "Notice on Regulating Trust Companies' Trust Business Classification" has led to increased interest in special needs trusts, particularly those involving real estate, as a means of ensuring long-term care and asset protection for vulnerable populations [3]. - The State Council approved a plan to explore the establishment of a registration mechanism for trust assets, including real estate and equity, under controlled risks [3]. Group 4: Financial Implications and Challenges - The current tax structure poses challenges for families establishing real estate trusts, as the tax rates on trust property transfers are higher than those for direct personal ownership, along with annual property taxes and capital gains taxes upon property disposal [5][6]. - The establishment of the charity trust is seen as a beneficial exploration of government guidance and social participation in addressing public welfare issues [6]. Group 5: Trust Management and Oversight - Hua Bao Trust will manage the trust assets professionally and prudently, ensuring that funds are used specifically for the intended subsidies [7]. - The China Postal Savings Bank will securely manage the trust funds and ensure timely disbursement to eligible families [7].

8月5日，中国邮政储蓄银行发布公告：近期我行正在扣划邮储银行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。根据我行已与您签署的《授 信及借款合同》/《贷款协议》/《经营性联合贷款合同》，我行有权扣划您在我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。 ...

Core Insights - The domestic credit card market is undergoing significant changes, including reduced benefits, discontinuation of certain products, and closure of credit card centers, indicating a transformation trend in the industry [2][4]. Group 1: Adjustments in Credit Card Benefits - Several banks, including China Merchants Bank and Everbright Bank, have announced adjustments to high-end credit card benefits, focusing on increasing usage thresholds, modifying point accumulation rules, and reducing high-cost benefits [3][4]. - Specific changes include the adjustment of the annual fee waiver rules for credit cards, with new conditions requiring higher spending to qualify for fee waivers [3]. Group 2: Product Discontinuation - Many banks, such as Agricultural Bank of China and Postal Savings Bank, have stopped issuing certain credit card products, particularly co-branded cards in sectors like aviation and e-commerce, citing business strategy adjustments and service quality improvements [4][5]. Group 3: Shift in Business Strategy - The credit card industry is transitioning from an expansion-focused model to a more refined approach, emphasizing value creation and customer-centric strategies [5][6]. - The market environment and internal banking needs are driving this shift, with banks focusing on optimizing operations and enhancing customer engagement through tailored offerings [6][7]. Group 4: Future Development Directions - Future strategies will focus on deepening customer value, particularly for high-net-worth individuals, by creating tiered benefit systems and integrating various financial services [7]. - The industry is moving towards a model that prioritizes quality over quantity, aiming to enhance customer retention and profitability through comprehensive financial service offerings [7].

Core Viewpoint - China Postal Savings Bank has applied for a patent related to a file transmission verification method, indicating its focus on enhancing digital communication security and efficiency [1] Company Overview - China Postal Savings Bank was established in 2007 and is located in Beijing, primarily engaged in monetary financial services [1] - The bank has a registered capital of approximately 9.92 billion RMB [1] - The bank has invested in 31 companies and participated in 5,000 bidding projects [1] - The bank holds 1,145 trademark records and 913 patent records, along with 98 administrative licenses [1] Patent Details - The patent application, titled "File Transmission Verification Method, Device, and Equipment, Computer Program Product," was published under CN120415657A with an application date of April 2025 [1] - The method involves receiving file sending and receiving information, verifying the files, and identifying discrepancies to facilitate resending if inconsistencies are found [1]