本文源自：金融界 作者：情报员 金融界2025年8月4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申请一项名 为"数据的测试方法、装置、计算机程序产品和数据生成系统"的专利，公开号CN120408114A，申请日 期为2025年04月。 专利摘要显示，本申请提供了一种数据的测试方法、装置、计算机程序产品和数据生成系统。该方法包 括：获取源数据集；根据Kolmogorov‑Smirnov算法，确定源数据集的分布类型；采用rvs生成函数，根 据源数据集生成符合分布类型的标准测试数据集，其中，标准测试数据集的数据量大于源数据集的数据 量；采用标准测试数据集进行自动化测试，得到测试结果；将测试结果发送至金融机构，以使得金融机 构基于测试结果进行业务优化。 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。 ...

金融界2025年8月4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申请一项名 为"软件系统的非功能测试方法、装置和电子设备"的专利，公开号CN120407408A，申请日期为2025年 04月。 专利摘要显示，本申请提供了一种软件系统的非功能测试方法、装置和电子设备。该方案中，获取步 骤，获取待测试软件的系统信息；匹配步骤，将待测试软件的系统信息与RAG知识库中的非功能测试 规则进行匹配，得到非功能测试明细；生成步骤，根据非功能测试明细生成非功能测试用例；执行步 骤，执行非功能测试用例以对待测试软件进行非功能测试，且在进行非功能测试的过程中收集测试覆盖 率；补充步骤，基于测试覆盖率生成补充测试用例，并将补充测试用例补充至非功能测试用例中；重复 步骤，重复依次执行执行步骤和补充步骤至少一次，直到测试覆盖率高于预设测试覆盖率。本方案解决 了现有技术中关于软件系统非功能测试的方案仍有局限的问题。 本文源自：金融界 作者：情报员 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 ...

Group 1 - Extreme weather in Beijing has caused significant flooding and landslides, affecting over 300,000 people and resulting in major casualties and property damage [1] - Banks in Beijing have activated emergency response mechanisms to ensure timely financial support for disaster relief and recovery efforts [1][2] - China Development Bank Beijing Branch provided an emergency loan of 300 million yuan to support disaster relief efforts [1] Group 2 - Agricultural Bank of China Beijing Branch opened a green channel for emergency funds, completing the entire process in just two and a half hours to support rescue operations [1] - Traffic Bank Beijing Branch prioritized emergency financial services for flood relief and ensured smooth processing of emergency fund requests [2] - China Bank Beijing Branch provided 400 boxes of mineral water to support rescue personnel on the front lines [2] Group 3 - Banks are actively engaging with affected communities to assess financial needs and provide comprehensive support for post-disaster recovery [3] - Industrial and Commercial Bank of China launched targeted credit products to assist residents in repairing homes affected by the disaster [3] - Agricultural Bank of China is implementing various relief policies, including loan extensions and interest reductions, to support small businesses and farmers [3][4] Group 4 - Minsheng Bank Beijing Branch is increasing online loan applications to support disaster recovery and has partnered with local agricultural financing institutions for targeted financial solutions [5] - China Bank Beijing Branch provided non-repayment loans to a severely affected ecological agriculture company to assist with cash flow issues [5][6] - Citic Bank Beijing Branch is actively reaching out to local businesses to understand their financial needs and provide necessary support [6]

Core Insights - Postal Savings Bank of China leverages its "four flows integration" resources to support the lychee industry, contributing to rural revitalization [1] Group 1: Financial Support and Services - The Postal Savings Bank of China provides a comprehensive financial service package to support lychee farmers and businesses, addressing their funding needs [3] - The bank's Maoming branch has issued loans totaling 863 million yuan to the lychee industry by June 2025, enhancing the financial ecosystem for local farmers [3] - A specific case highlights that a loan of 500,000 yuan enabled a farmer to build a cold storage facility, significantly improving both yield and income [4] Group 2: Operational Insights - Maoming City, a major lychee production area in Guangdong, has around 1.4 million acres dedicated to lychee cultivation, with one company selling approximately 75,000 pounds of lychee daily during peak season [2] - The bank's proactive approach includes direct engagement with farmers and businesses to understand their operational challenges and financial needs [2][3] - The bank collaborates with local agricultural authorities to train new farmers and promote rural e-commerce, with 560 individuals trained and 46 rural e-commerce leaders incubated [3] Group 3: Sales Channel Development - The Postal Savings Bank of China actively assists in expanding sales channels for lychee products by coordinating with local postal services to provide integrated logistics solutions [4] - The bank's efforts in combining financial services with e-commerce and logistics have facilitated the distribution of lychee products nationwide, benefiting local farmers [4]

Core Viewpoint - Postal Savings Bank of China (PSBC) is actively supporting private enterprises in Guangdong, enhancing their innovation and growth through financial services, particularly focusing on technology-driven companies like Wangsi Technology Group [1][2]. Group 1: Financial Support for Private Enterprises - Wangsi Technology Group received substantial credit support from PSBC's Guangzhou branch, which will aid in deepening technology research and expanding business areas [1]. - PSBC Guangdong branch is recognized as a key player in supporting the private economy, contributing to economic stability, job creation, and innovation [1][3]. Group 2: Technology Financing Initiatives - PSBC Guangdong branch has established a specialized team for technology finance, focusing on high-tech sectors such as artificial intelligence and digital twin technology [2]. - The bank has developed various financing products, including "Large Science and Technology Loans," to address the funding needs of technology enterprises, with over 8,100 technology companies served and a loan balance exceeding 36.7 billion yuan, reflecting a 37% year-on-year increase [3]. Group 3: Support for International Expansion - PSBC is facilitating the international expansion of quality enterprises in Guangdong by providing a comprehensive range of cross-border financial services, including trade financing and currency risk management [4]. - Specific case examples include a toy manufacturing company in Chaozhou that received a 10 million yuan credit line to explore new market channels, demonstrating the bank's responsiveness to market challenges [4]. Group 4: Future Focus - The bank plans to continue its focus on supporting private, small, and technology-driven enterprises, implementing initiatives to empower high-quality development in the private sector [5].

列明各项费用 长期以来，企业贷款融资成本核算存在"只知利息，难算总账"的痛点，担保费、评估费、抵质押登记费 等非利息费用往往是一笔"糊涂账"。"贷款明白纸"向企业清晰、全面展示贷款利率和其他各项融资费 用，有助于企业了解贷款全部成本，明明白白贷款。 ■本报记者 陈衍水 近日，福建省三明市一家贸易公司与农业银行三明分行签订一笔500万元生产经营抵押贷款合同时，银 行客户经理向企业负责人细致讲解明示企业贷款综合融资成本工作的政策要点，双方共同填写"贷款明 白纸"，让企业负责人对贷款综合融资成本有了清晰认知。此外，该笔贷款业务产生的评估费7000元由 银行承担，使原本3.2%的综合融资成本进一步降至2.95%。 《农村金融时报》记者从人民银行三明市分行了解到，今年5月份，该分行启动明示企业贷款综合融资 成本试点工作，组织银行机构与企业共同填好《企业贷款综合融资成本清单》（"贷款明白纸"），增进 银企互信，推动政策红利精准落地，综合融资成本应降尽降。截至6月末，全市30家银行机构与企业填 写"贷款明白纸"984份，涉及贷款25.33亿元。 试点工作开展以来，人民银行三明市分行充分发挥市场利率定价自律机制引导作用，鼓励 ...

Group 1 - The core viewpoint of the articles highlights the significant role of Postal Savings Bank in supporting local agricultural development and rural revitalization through tailored financial services [1][2][3] - The success story of Ye Shifu, a local farmer, illustrates how access to loans from Postal Savings Bank enabled him to expand his peach orchard from 20 acres to over 60 acres, achieving annual sales of nearly 1 million yuan [1][2] - The bank has implemented a "three-level linkage + postal banking collaboration" service model to enhance efficiency in loan processing and provide comprehensive financial services to rural areas [2] Group 2 - As of now, the Postal Savings Bank has issued nearly 10 billion yuan in small loans to over 35,000 farmers in Longnan [3]

Group 1 - Postal Savings Bank of China in Yongfeng County actively supports grain acquisition by providing timely financial assistance to ensure farmers' income and the liquidity of grain processing companies [1][2] - The bank's "Grain Acquisition Loan" service was initiated to address the urgent funding needs of local grain purchasing enterprises, enabling them to secure cash flow during peak acquisition periods [1][2] - Since the start of the summer grain acquisition season, the bank has provided credit support to over 15 grain purchasing enterprises and individual businesses, with a total of more than 10 million yuan in special loans disbursed [2]

Group 1 - The core viewpoint of the articles indicates that Postal Savings Bank of China has a closing price of 5.66 yuan, down 1.39%, with a rolling PE ratio of 7.92 times and a total market value of 679.738 billion yuan [1] - The bank's industry average PE ratio is 7.30 times, with a median of 6.54 times, placing Postal Savings Bank at the 40th position among its peers [1] - As of the first quarter of 2025, 56 institutions hold shares in Postal Savings Bank, with a total holding of 79.2816 million shares valued at 4.34 billion yuan [1] Group 2 - The main business of Postal Savings Bank includes providing banking and related financial services, with key products being personal banking, corporate banking, and funding services [1] - The latest performance report for the first quarter of 2025 shows the bank achieved operating revenue of 89.363 billion yuan, a year-on-year decrease of 0.07%, and a net profit of 25.246 billion yuan, down 2.62% year-on-year [1] - The PE ratios and market values of other banks in the industry are provided, with the average PE ratio being 7.30 times and the median at 6.54 times, indicating a competitive landscape [2]

Core Viewpoint - The establishment of financial asset investment companies (AIC) by major state-owned banks in China marks a new phase in the market-oriented debt-to-equity swap business, enhancing the financial support for the transformation and upgrading of the real economy [4][11]. Group 1: Development of AIC Companies - On July 16, 2025, China Postal Savings Bank announced the establishment of a financial asset investment company, completing the layout of AICs under the six major state-owned banks [4][11]. - The approval of AICs has surged this year, with several banks including Industrial Bank, CITIC Bank, and China Merchants Bank receiving approval, bringing the total number of AICs in China to nine [3][11]. - The establishment of AICs is a response to the need for market-oriented debt-to-equity swaps, aimed at alleviating financial system pressure and preventing systemic financial risks [6][7]. Group 2: Historical Context and Policy Framework - The inception of AICs can be traced back to 2016, when the Chinese economy faced issues like overcapacity and rising financial risks, prompting the government to implement supply-side structural reforms [6][7]. - The State Council issued guidelines in 2016 to initiate market-oriented debt-to-equity swaps, marking the start of a new round of such initiatives [6][8]. - In 2018, the China Banking and Insurance Regulatory Commission established the legal status and operational scope of AICs, providing a regulatory framework for their development [8]. Group 3: AICs vs. AMCs - AICs primarily focus on market-oriented debt-to-equity swaps, targeting high-debt but potential growth enterprises, while AMCs (Asset Management Companies) are more oriented towards debt recovery [12][14]. - AICs leverage their connections with state-owned banks to access lower-cost funding and identify potential non-performing assets early, emphasizing long-term value recovery [14][15]. - Both AICs and AMCs aim to mitigate financial risks and support the real economy, but they operate in a complementary manner, providing different pathways for asset management [15]. Group 4: Future Prospects - The recent policy changes have expanded the pilot scope for AICs, allowing them to operate in 18 cities and increasing their investment limits, which is expected to drive a new growth cycle for AICs [9][10]. - The financial regulatory authority has confirmed that more commercial banks will be allowed to establish AICs, indicating a significant opportunity for the banking sector to engage in asset management [10][11]. - The parallel development of AICs and AMCs reflects a multi-layered and differentiated approach to financial risk management in China, enhancing the stability of the financial system [15].