湘财证券指出，宽财政推动融资需求增长，在各项融资安排支持下，银行信贷供给充足，有望维持信贷 相对平稳增长。同时，政策稳息差态度积极，银行资产负债两端利率传导效率加强，后续随着存款成本 持续下行，息差或逐渐趋稳，业绩有望保持稳定。地产与城投领域存量风险明显改善，随着稳经济政策 持续推进，银行资产质量将进一步巩固。 基本面上，银行业绩喜报频出。截至目前，共有青岛银行、齐鲁银行、宁波银行、杭州银行及常 熟银行5家上市银行发布上半年业绩快报，归母净利润增速全部实现正增长，其中4家增幅达到了 两位数，资产质量指标保持稳定。 今日沪指早盘低开，随后迅速翻红，银行功不可没。百亿顶流银行ETF（512800）早盘迅速冲高，场内 价格一度涨逾1%，收涨0.59%。全天成交额11.91亿元，环比放量。 | 分割 3日 1分 " | F9 盘前盘后 叠加 九年 画线 工具 @ 2 》 | | | | | 银行ETF ① | | | --- | --- | --- | --- | --- | --- | --- | --- | | | 512800[超扫黑] 10:20 0 0 0 861 388 0.008(0794%) 1988 ...

行业周报 国债等恢复增值税征收,消费、经营贷将迎贴息 银行业周报 (2025.07.28-2025.08.03) 2025 年 8 月 4 日 核心观点 银行业 | | | 分析师 张一纬 ☎：010-8092-7617 z:zhangyiwei_yj@chinastock.com.cn 分析师登记编码：S0130519010001 研究助理 袁世麟 网: yuanshilin_yj@chinastock.com.cn 相对沪深 300 表现图 2025-08-01 20% 资料来源:ifind. 中国银河证券研究院 相关研究 www.chinastock.com.cn 证券研究报告 请务必阅读正文最后的中国银河证券股份有限公司免责声明 银行板块表现优于市场:本周沪深 300 指数下跌 1.75%,银行板块下跌 ● 0.84%。国有行、股份行、城商行、农商行分别+0.80%、-1.52%、-1.04%、 -2.30%。个股方面,9 家上市银行上涨,农业银行(+2.43%）、工商银行 (+1.74%)、邮储银行(+1.07%)、建设银行(+0.75%)、成都银行(+0.70%) 涨幅居前。截至8月1日,银行板块 ...

香港联交所最新资料显示，7月31日，Ping An Asset Management Co.,Ltd.增持邮储银行（601658） (01658)1591万股，每股作价为5.5548港元，总金额约为8837.69万港元。增持后最新持股数目约为29.91 亿股，最新持股比例为15.06%。 ...

智通财经APP获悉，香港联交所最新资料显示，7月31日，Ping An Asset Management Co., Ltd.增持邮储 银行(01658)1591万股，每股作价为5.5548港元，总金额约为8837.69万港元。增持后最新持股数目约为 29.91亿股，最新持股比例为15.06%。 ...

8月4日，邮储银行今日收盘5.76元，上涨1.77%，滚动市盈率PE（当前股价与前四季度每股收益总和的 比值）达到8.06倍，创18天以来新低，总市值6917.48亿元。 本文源自：金融界 从行业市盈率排名来看，公司所处的银行行业市盈率平均7.37倍，行业中值6.60倍，邮储银行排名第40 位。 作者：行情君 最新一期业绩显示，2025年一季报，公司实现营业收入893.63亿元，同比-0.07%；净利润252.46亿元， 同比-2.62%。 序号股票简称PE(TTM)PE(静)市净率总市值(元)13邮储银行8.068.000.826917.48亿行业平均 7.377.350.763712.38亿行业中值6.606.710.62908.35亿1贵阳银行4.624.520.38233.63亿2华夏银行 4.694.550.411260.46亿3长沙银行5.095.140.59402.56亿4北京银行5.345.300.501367.95亿5平安银行 5.475.360.552386.93亿6苏农银行5.505.570.59108.40亿7江阴银行5.635.660.61115.19亿8瑞丰银行 5.695.770 ...

Core Points - The article highlights a successful interception of a telecom fraud case by Postal Savings Bank of China Chengdu Branch, which saved two elderly customers from losing 800,000 yuan (approximately 80,000 CNY) of their retirement funds [1][2] - The incident showcases the effective collaboration between the bank and local police in combating telecom fraud [2] Group 1 - The elderly customers, Du and Yang, attempted to withdraw 800,000 yuan after being deceived by a scammer posing as a school teacher, claiming their grandson needed to pay medical fees for a fight [1] - The bank staff noticed inconsistencies in the customers' explanations and initiated an emergency fraud prevention protocol, which included contacting the police [1] - Police confirmed that the grandson was safe and that the call was a typical "acquaintance" scam, leading to the successful prevention of the financial loss [1] Group 2 - Following this incident, Postal Savings Bank Chengdu Branch plans to enhance employee training on fraud prevention and deepen data sharing with law enforcement [2] - The bank aims to conduct targeted outreach in communities and schools to strengthen public awareness and defenses against fraud [2]

Core Viewpoint - The article highlights the growing popularity of Hejiang lychee, particularly due to the influence of the hit drama "Lychee of Chang'an," and emphasizes the financial support from Postal Savings Bank to local farmers and companies, facilitating the growth of the lychee industry in Hejiang [1][3][8]. Group 1: Industry Overview - Hejiang County is recognized as a significant production area for lychee, known for its unique geographical and climatic conditions that contribute to the fruit's desirable characteristics [1]. - The peak season for lychee harvesting in Hejiang is from mid-July to mid-August, during which farmers experience high demand and pressure to deliver fresh produce quickly [5]. Group 2: Financial Support and Impact - Postal Savings Bank has increased its financial support for lychee farmers and companies, addressing their funding needs and helping them expand their market reach [3][8]. - A local farmer, referred to as "Brother Luo," successfully secured a loan of 300,000 yuan from Postal Savings Bank, which significantly aided his operations during a critical period [5]. - Hejiang Zhongli Agricultural Development Co., Ltd. has benefited from multiple loans totaling 2.78 million yuan from Postal Savings Bank, enabling the company to grow and streamline its operations [8]. Group 3: Operational Insights - Hejiang Zhongli operates a comprehensive supply chain for lychee, including seedling cultivation, harvesting, storage, packaging, and distribution, with a capacity to sell up to 100,000 pounds of lychee daily [6][8]. - The bank's tailored financing solutions and efficient service have been crucial for local businesses, allowing them to navigate challenges and enhance their operational capabilities [8].

据介绍，"邮银财管+"是邮储银行将易财资（司库云）、易企收、易企付、易企营、易企联、易企管等 深度整合，向企业提供的财务资金、资产、资源协同管理体系化服务，旨在帮助企业以高效触达的方式 建立"体系协同"，让企业无论规模大小、行业属性都能实现数智平权，并通过共建生态延伸服务边界。 "邮银财管+"围绕企业数智化转型诉求，通过"能力+""客群+""体验+"提供"场景+金融+产业"闭环解决方 案，致力于成为企业信赖的业财"管家"。 本报讯 （记者向炎涛）8月1日，中国邮政储蓄银行股份有限公司（以下简称"邮储银行"）召开服务企 业数智转型暨"邮银财管+"系列服务发布会。作为邮储银行深入贯彻金融"五篇大文章"的创新实践，"邮 银财管+"将助力企业重塑财务价值链，为企业的数智化转型保驾护航。 邮储银行行长刘建军表示，邮储银行始终将自身发展融入国家战略，坚守服务定位，坚持创新驱动，坚 定与实体经济同呼吸、共命运。基于对时代变革与企业诉求的深刻理解，"邮银财管+"数智服务体系应 运而生。未来邮储银行将以服务企业数智转型为战略抓手，坚定走在服务乡村振兴、普惠金融和科技金 融的第一线。 近年来，邮储银行持续深耕新技术服务实体企业， ...

| 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | | --- | --- | --- | --- | --- | --- | --- | | 601658 | 邮储银行 | 5.76 | 1.77% | 213.64万 | | 12.20亿 | | 666109 | 建设银行 | 9.55 | 1.38% | 142.99万 | | 13.62亿 | | 601288 | 农业银行 | 6.39 | 0.95% | 542.75万 | | 34.80 Z | | 601398 | 工商银行 | 7.68 | 0.79% | 448.28万 | | 34.55 Z | | 601328 | 交通银行 | 7.66 | 0.66% | 210.09万 | | 16.14亿 | | 601988 | 中国银行 | 5.58 | 0.54% | 328.23万 | | 18.35 Z | 从资金流向上来看，当日国有大型银行板块主力资金净流入8.14亿元，游资资金净流出6.41亿元，散户资 金净流出1.73亿元。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 ...

7月31日，国务院总理李强主持召开国务院常务会议，会议就实施个人消费贷款贴息政策与服务业经营 主体贷款贴息政策进行部署。 会议指出，对个人消费贷款和服务业经营主体贷款进行贴息，有利于通过财政金融联动的方式，降低居 民信贷成本和服务业经营主体融资成本，更好激发消费潜力、提升市场活力。要抓好贴息政策组织实 施，加强部门协同，简化办理手续，推动政策尽快落地，同时严格监管提高资金使用效益，确保财政资 金用好用到位。 业内专家认为，对个人消费贷款与服务业经营主体贷款进行贴息的政策，可以视作金融领域的"国 补"。"对于有切实消费需求的居民而言，能够有效减轻其信贷负担，而对于服务业经营主体贷款的贴息 政策，则是对服务型消费加大支持力度的重要体现。"素喜智研高级研究员苏筱芮认为。 中国银行相关负责人认为，两项贷款贴息政策将从需求和供给两端发力，强化与金融政策协同，进一步 助力提振消费、扩大内需。 "后续，中国银行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，推动政策红利直达广大消费者和服务业经营主体，为激发国内消费潜力贡献金融力量。"上述负责 人说。 建设银行表示，该行认真贯彻落实党中央、国 ...