Core Insights - The article highlights the efforts of Postal Savings Bank in supporting the edible mushroom industry in Qingyuan County, providing a total of 280 million yuan in credit support by the end of October 2025 [1] - Qingyuan County is recognized as the origin of artificial mushroom cultivation, with a robust industry chain that has significantly contributed to local farmers' income, achieving an industry chain output value of 5.8 billion yuan in 2024 [1] Group 1: Financial Support and Services - Postal Savings Bank has developed a comprehensive financial service system to address financing difficulties in the edible mushroom industry, transforming the "industrial chain" into a "common prosperity chain" [1] - The bank introduced the "Mushroom Loan" product, providing 3 million yuan in credit to Qingyuan County Jingchuang Edible Mushroom Technology Co., which has become a leading enterprise in the region [2] - The bank actively collaborates with the Qingyuan County Edible Mushroom Association to enhance financial service coverage, conducting targeted outreach to over 2,600 mushroom growers who cultivate more than 20,000 mushroom sticks [2] Group 2: Industry Development and Achievements - Qingyuan County's edible mushroom industry has developed a complete supply chain from spawn production to cultivation, processing, and sales, benefiting thousands of local farmers [1] - Zhejiang Baixing Food Co., a well-known deep processing and sales enterprise in the region, has been exporting products to countries like the USA, Australia, and Japan for 28 years [3] - The partnership between Postal Savings Bank and local enterprises has strengthened over time, with credit limits increasing from 5 million yuan during the pandemic to 30 million yuan by 2024 [4]

发卡量大幅减少、分中心加速"退场"，近年来，信用卡行业正在迎来"瘦身潮"。 近日，中国人民银行发布的《2025年第三季度支付体系运行总体情况》显示，截至今年第三季度末，全 国共开立银行卡101.49亿张。其中，信用卡和借贷合一卡7.07亿张，较上季度减少800万张。 随着2024年7月政策过渡期结束，监管要求全面落地，各家银行都在积极调整发卡策略，主动清理低效 存量卡片。 再从上市银行2025年半年报看，今年上半年，工商银行（601398）信用卡累计发卡量1.48亿张，较上年 末减少200万张；交通银行（601328）境内行信用卡在册卡量6010万张，较上年末减少291万张；邮储银 行（601658）信用卡结存卡量3858万张，较上年末减少140万张。 同时，信用卡交易量也在持续收缩。其中，建设银行（601939）上半年信用卡总消费交易额1.30万亿 元，同比下降5.80%；交通银行信用卡累计消费额1.10万亿元，同比下降11.29%；招商银行（600036） 信用卡交易额2.02万亿元，同比下降8.54%。 除了发卡数量的明显减少外，信用卡业务的运营模式与组织架构也迎来了深度调整，具体体现为银行信 用卡分中 ...

Core Viewpoint - Postal Savings Bank is actively integrating into the development of Hainan Free Trade Port by providing diverse financial services that support local policies and market demands, positioning itself as a key financial player in promoting high-quality development in Hainan [1] Group 1: Cross-Border Financial Services - Postal Savings Bank's Hainan branch leverages its parent bank's cross-border financial service platform and differentiated credit policies to offer tailored services for cross-border business clients [2] - The bank has accelerated the construction and acceptance of multi-functional free trade accounts, enhancing the level of cross-border financial services and has been approved as a pilot bank for high-level cross-border trade in Hainan [2] - These initiatives aim to improve capital efficiency and reduce transaction costs for enterprises, facilitating smoother cross-border trade operations [2] Group 2: Consumer Finance and Tourism - The bank has launched promotional activities such as offering 300 yuan duty-free shopping vouchers to attract tourists, enhancing the shopping experience in Hainan [3] - By collaborating with major duty-free brands and providing digital payment solutions, the bank aims to convert tourist traffic into repeat visitors, thereby boosting local consumption [3][4] - The bank's efforts in creating a "financial + consumption" ecosystem are designed to stimulate the tourism sector and enhance the overall visitor experience in Hainan [3] Group 3: Support for Technological Innovation - Postal Savings Bank is providing significant financial support to specialized and innovative enterprises, exemplified by a 45 million yuan funding to Hainan Zhongjian Cable, which has enabled the company to upgrade its technology and increase production capacity [5] - The bank's innovative financing models address the challenges faced by technology companies, such as lack of collateral and long R&D cycles, by offering personalized financing solutions [5] - The bank's commitment to building a technology finance service system aims to empower various innovative entities and drive industrial transformation in Hainan [5]

冬日的晨光穿透清冽的空气，静静铺洒在天津市河西区曲江路上。沿街商铺渐次开门，早点摊的热气袅 袅升起。在这片充满市井烟火的生活街区，一家陪伴街坊三十余年的银行网点——邮储银行天津河西区 曲江路支行，日前完成原址焕新，正式开门营业。 作为扎根陈塘庄街道超过三十年的金融机构，这家支行见证并参与了社区的发展变迁。从昔日简单的储 蓄汇兑，到如今多元的现代金融服务，它始终是街坊们生活中"离不开的金融邻居"。此次焕新，不仅是 对硬件环境的升级，更是服务理念与社区角色的再深化。 "我们不仅是一家银行，更希望成为社区的'合伙人'。"邮储银行天津河西曲江路支行行长毕淑英表示。 据介绍，支行将积极构建"15分钟社区生活服务圈"，通过联动周边商户，打造惠民生活生态；同时计划 举办各类文化、联谊活动，搭建居民互动平台，让金融服务深度融入日常烟火之中。 走进厅堂，明亮温馨的气息扑面而来。重新规划的功能分区清晰有序，等候区舒适宽敞。银行工作人员 面带笑容，与进门张望的客户自然寒暄。"张阿姨，您来啦，孩子们见面感觉怎么样啊""小李，多亏了 你介绍，俩孩子计划明年订婚！"一声声熟稔的招呼，一句句暖心的家常，让这个金融空间瞬间褪去 了"银行"与 ...

Core Viewpoint - Postal Savings Bank of China (PSBC) shows a stable performance with a recent stock price increase and consistent dividend payouts, indicating potential investment opportunities in the banking sector [1][2]. Financial Performance - PSBC's revenue for the period from January to September 2025 reached 265.08 billion yuan, reflecting a year-on-year growth of 1.82% [7]. - The net profit attributable to shareholders for the same period was 76.56 billion yuan, with a year-on-year increase of 0.98% [7]. - The bank has distributed a total of 137.80 billion yuan in dividends since its A-share listing, with 77.40 billion yuan paid out over the last three years [8]. Dividend and Shareholder Information - The bank's dividend yields over the past three years were 5.58%, 6.00%, and 4.61% respectively, showcasing its commitment to returning value to shareholders [2]. - As of September 30, 2025, the number of shareholders decreased by 13.09% to 142,600, while the average number of shares held per shareholder increased by 15.29% to 478,570 shares [7]. Market Activity - On December 18, PSBC's stock rose by 1.12%, with a trading volume of 679 million yuan and a turnover rate of 0.19%, leading to a total market capitalization of 653.32 billion yuan [1]. - The stock has experienced a net outflow of 28.78 million yuan from major investors today, ranking 6th in its industry, with a total net inflow of 5.09 billion yuan across the sector [3][4]. Technical Analysis - The average trading cost of PSBC shares is 5.19 yuan, with the current stock price fluctuating between resistance at 5.53 yuan and support at 5.31 yuan, suggesting potential for short-term trading strategies [5]. Company Overview - PSBC, established on March 6, 2007, and listed on December 10, 2019, primarily offers banking and financial services in China, with personal banking contributing 65.15% to its revenue, corporate banking 22.71%, and fund operations 12.10% [6]. - The bank is classified under the category of state-owned large banks and is ultimately controlled by China Post Group [2][6].

Core Viewpoint - The Postal Savings Bank of China (PSBC) is actively integrating into the development of Hainan Free Trade Port by providing diverse financial services, supporting local policies, and responding to market demands, thereby becoming a key financial force in promoting high-quality development in Hainan [1]. Group 1: Cross-Border Financial Services - PSBC leverages its cross-border financial service platform and differentiated credit policies to offer tailored services for cross-border business clients, enhancing the level of cross-border financial services [1][3]. - The bank has been approved as a pilot bank for high-level open cross-border trade in Hainan, facilitating efficient global trade operations [1][3]. Group 2: Consumer Finance and Tourism - PSBC is enhancing consumer potential in Hainan's tourism sector by launching promotional activities, such as offering 300 yuan duty-free shopping vouchers, which significantly benefit tourists [3][5]. - The bank collaborates with major duty-free brands to create a "financial + consumption" ecosystem, providing 21,000 discount opportunities to stimulate consumer spending [6]. Group 3: Technology Finance - PSBC supports specialized and innovative enterprises, such as Hainan Zhongjian Cable, by providing 45 million yuan in funding, enabling them to upgrade equipment and increase production capacity [7][9]. - The bank's innovative financing models address the challenges faced by technology companies, such as lack of collateral and long R&D cycles, by offering personalized financing solutions [9]. Group 4: Future Commitment - PSBC aims to continue injecting financial momentum into the construction of Hainan Free Trade Port with greater efforts and practical measures, fulfilling its responsibilities as a state-owned bank [9].

转自：推广 "出淤泥而不染，濯清涟而不妖"，周敦颐《爱莲说》中，荷花的寓意：清廉正直、坚韧不拔、无私奉 献、和谐共生。在四川省盆地东北部，大巴山南麓，中国邮政储蓄银行达州市开江县支行以"荷花"文化 为引领，积极培育和弘扬坚韧、奉献的品格，书写着中国特色金融文化。 荷您邮约 情暖户外劳动者 走进邮储银行开江县支行营业部大厅，"邮爱驿站"标识格外醒目，这是该行联合开江县总工会创建的首 个"邮爱驿站"，曾获得过市总工会高度评价。 在开江团县委的召联下，该行与开江县回龙镇高板桥村"童伴之家"爱心项目结对共建，每到"春 节"、"六一"，都会共同与留守儿童共度节日，并举办跳绳、手工等活动，给予他们关心和支持。支行 工作人员还给留守儿童的爷爷奶奶带去反诈骗知识宣讲，提高反诈意识。通过结队共建工作，让关爱能 传递到留守儿童身上，让正能量陪伴留守儿童健康茁壮成长，并将爱心行为传递下去，让留守儿童及其 家人感受到金融企业、社会的关爱。据统计，结对共建以来，该行为童伴之爱捐赠文体用品、新年礼物 等物质累计10万余元。 2025年7月17日，受开江团县委邀请，该行相关负责人带领职工走进开江县爱心托管营，将专业金融知 识转化为青少年易 ...

Core Viewpoint - The Postal Savings Bank of China in Wanyuan City is integrating "red culture" with financial services, emphasizing the importance of historical revolutionary spirit in enhancing local economic development [1][2] Group 1: Red Culture Integration - Wanyuan City, a significant revolutionary base, is promoting "red finance" by combining financial services with the local revolutionary history [1] - The bank's staff narrates revolutionary stories to connect red spirit with business integrity and practical action, making the cultural promotion relevant to employees [1] Group 2: Financial Services and Community Engagement - The bank focuses on the real estate sector's financial needs, addressing pain points in property transactions and providing practical financial policy guidance [2] - Services offered include credit card applications, payroll agreements, and investment consultations, effectively addressing urgent financial issues for businesses and employees [2] - The initiative resulted in 25 new enterprise WeChat contacts, 3 credit card recommendations, 8 payroll service agreements, and 700,000 yuan in marketed financial products [2] Group 3: Future Plans - The bank aims to deepen the construction of red finance outlets and expand on-site services, focusing on local enterprise development and public financial needs [2] - The integration of red culture with inclusive finance is expected to empower local businesses and contribute to high-quality economic development in Wanyuan City [2]

Core Viewpoint - Several banks are adjusting their personal precious metals trading business with the Shanghai Gold Exchange, focusing on cleaning up long-term inactive customer accounts [1][3][4] Group 1: Bank Actions - Industrial and Commercial Bank of China announced on December 15 that it will strengthen management of its business and will start transferring funds and closing related business functions for customers with no positions, no inventory, no debts, and a remaining balance in their margin accounts starting December 19 [1] - China Construction Bank required customers meeting the "three no" conditions to withdraw funds and terminate contracts, with unified processing of related accounts planned [3] - Agricultural Bank of China announced on October 22 that it would begin terminating business agreements with customers who had no positions for a month starting October 29 [3] Group 2: Industry Trends - Other banks, including Postal Savings Bank, CITIC Bank, and Ningbo Bank, have also announced similar business adjustments, indicating a broader trend of tightening regulations on personal precious metals trading [3] - Since July 2022, major commercial banks have completely suspended new account openings for this type of business, reflecting a contraction in related services [3] Group 3: Account Management - The adjustments primarily target "sleeping accounts" that have long been inactive but still hold idle funds, aiming to improve account management efficiency and reduce operational and compliance costs [4] - Banks recommend that customers with existing positions pay attention to market risks and manage their positions wisely [4]

Core Viewpoint - The trend of banks discontinuing co-branded credit cards is increasing, reflecting changes in market dynamics and consumer behavior, leading to a focus on more efficient product offerings [1][4][7]. Group 1: Discontinuation of Co-branded Credit Cards - Guangfa Bank announced the discontinuation of five co-branded credit cards starting February 1, 2026, due to the expiration of cooperation agreements [1]. - Major banks, including state-owned banks and regional commercial banks, have also stopped issuing co-branded credit cards across various sectors such as e-commerce and travel [1][4]. - The phenomenon of discontinuing co-branded credit cards is becoming common, with banks like Zhejiang Rural Commercial Bank and Wuhan Rural Commercial Bank ceasing to issue specific co-branded cards [4][5]. Group 2: Market Changes and Challenges - The credit card market has become saturated, with many users holding multiple cards that are underutilized, prompting banks to streamline their offerings [7][8]. - The decline in the effectiveness of co-branded credit cards is attributed to changing market conditions, where banks struggle to maintain profitable partnerships with co-branding entities [7][8]. - The operational costs associated with maintaining co-branded cards, including high authorization fees and marketing expenses, have led banks to reduce their product lines [6][8]. Group 3: Organizational Adjustments - Banks are undergoing structural changes, closing down several regional centers and consolidating their credit card operations to improve efficiency [9][10]. - The integration of credit card functionalities into main banking apps is a trend, with institutions like Bank of China shutting down independent credit card apps to streamline services [9][10]. - The focus is shifting from acquiring new customers to enhancing the value of existing customer relationships through tailored services and benefits [10]. Group 4: Future Outlook - The total number of credit cards in circulation has decreased significantly, with a drop of approximately 1 billion cards, or 12%, from the peak in June 2022 [10]. - The future competitiveness of banks will depend on their ability to leverage credit cards to enhance retail service offerings and respond to evolving consumer needs [10].