本报讯 （记者向炎涛）12月18日，海南自由贸易港正式启动全岛封关，是我国坚定不移扩大高水平对 外开放、推动建设开放型世界经济的标志性举措。 为助力高标准建设海南自由贸易港，中国邮政储蓄银行股份有限公司（以下简称"邮储银行"）制定并发 布《中国邮政储蓄银行支持海南自由贸易港封关建设行动方案》，助力推进海南自由贸易港高水平开放 和高质量发展，打造引领我国新时代对外开放的重要门户，加快建设具有世界影响力的中国特色自由贸 易港。 方案以"主动担当，积极作为""条线协同，多维发力"和"合规展业，行稳致远"为基本工作原则，以持续 增强邮储银行对海南自由贸易港高质量发展和高水平开放的金融支撑作用为工作目标，围绕"聚焦实体 经济服务""升级运营支付服务""推进跨境金融开放""助力优化营商环境""强化金融风险防控"和"保障措 施"等六大方面，提出29条工作举措，并在科技支撑、授信额度、信审流程、跨境团队、数币场景、运 营管理、"三农"和小企业信贷、个人金融等方面，给予海南分行政策和资源倾斜，进一步支持海南自由 贸易港封关后的建设发展。 下一步，邮储银行将持续加强内部资源协同，加强政策和市场研究，把握海南推进高水平对外开放和高 ...

Group 1: Core Insights - Postal Savings Bank of China (PSBC) experienced a stock price increase of 0.56% on December 17, with a trading volume of 747 million yuan [1] - The bank's financing buy-in on the same day was 71.13 million yuan, while financing repayment amounted to 84.70 million yuan, resulting in a net financing outflow of 13.57 million yuan [1] - As of December 17, the total balance of margin trading for PSBC was 1.09 billion yuan, indicating a low financing balance at 0.30% of the market capitalization [1] Group 2: Business Overview - PSBC, established on March 6, 2007, and listed on December 10, 2019, provides banking and financial services in China, focusing on personal banking, corporate banking, and fund operations [2] - The bank's revenue composition includes 65.15% from personal banking, 22.71% from corporate banking, and 12.10% from fund operations [2] Group 3: Financial Performance - As of September 30, PSBC reported a total of 142,600 shareholders, a decrease of 13.09% from the previous period, with an average of 478,570 circulating shares per shareholder, an increase of 15.29% [3] - For the first nine months of 2025, PSBC achieved an operating income of 265.08 billion yuan, reflecting a year-on-year growth of 1.82%, and a net profit attributable to shareholders of 76.56 billion yuan, up 0.98% year-on-year [3] Group 4: Dividend and Shareholding - Since its A-share listing, PSBC has distributed a total of 137.80 billion yuan in dividends, with 77.40 billion yuan distributed over the past three years [4] - As of September 30, 2025, major shareholders include Hong Kong Central Clearing Limited, which holds 520 million shares, a decrease of 422 million shares from the previous period [4]

做好科技金融大文章，需要构建适配的服务生态。何为"适配"？一般来说有两个维度：一是相关产 业政策、不同金融供给主体与不同行业及不同类型的科技企业之间的供需适配；二是针对科技企业在不 同发展阶段所需要金融服务的适配。同时，为了能够更好地推动科技企业发展，以适应发展新质生产力 战略的要求，金融供给主体急需提升自身的服务能力，这也是做好科技金融工作的重要基础。 如何让"构建适配服务生态"与"持续提升科技金融服务能力"齐头并进？如何让"建生态"更匹配科技 企业的需求，让"提能力"更有助于"适配生态"的完善？就上述问题，《金融时报》记者采访了青岛银行 首席经济学家、中国首席经济学家论坛理事刘晓曙。 《金融时报》记者：在近期科技金融政策叠加效应下，尤其是推动银行开展投贷联动、金融提供多 元化接力式服务的背景下，科技金融的供给（包括PE/VC/银行等）生态将呈现什么样的趋势？ 刘晓曙：科创企业在生命周期不同阶段所需融资类型及特点不同，对金融机构和投资者的要求也存 在差异。要满足科创企业全生命周期的融资需求，需要的是创投风投、基金、银行、保险等诸多金融机 构接续发力。例如，在科创企业种子期、初创期阶段，风险高、回报不确定，更 ...

Group 1 - The core viewpoint of the news is that China's central economic work conference emphasizes the importance of innovation-driven development and the establishment of three major international science and technology innovation centers, expanding from individual cities to regions [1][2] - The three international innovation centers are Beijing, Shanghai, and the Guangdong-Hong Kong-Macao Greater Bay Area, with a focus on regional collaboration and resource concentration to create a global highland for technological innovation [2][4] - The conference highlights the need for improved intellectual property protection, governance of artificial intelligence, and innovative financial services to support technological innovation [2][3] Group 2 - Major state-owned banks are actively supporting technological innovation by enhancing their financial services and focusing on key areas such as expanding domestic demand and supporting small and medium-sized enterprises [4][6] - The total balance of technology loans from major banks has seen rapid growth, with Industrial and Commercial Bank of China reaching over 6 trillion yuan, Agricultural Bank of China at 4.7 trillion yuan, Bank of China at 4.59 trillion yuan, and China Construction Bank at 5.15 trillion yuan as of June this year [6][7] - There is a shift from traditional collateral-based financing to more innovative financial products that cater to the unique characteristics of technology enterprises, such as knowledge property and R&D investments [5][8]

面向未来，胡建国表示，邮储银行湖南省分行将围绕湖南绿色制造、清洁能源等重点领域，发挥城乡双 轮驱动优势，推动绿色金融与普惠金融融合，力争形成可推广的"邮储银行湖南模式"，做湖南绿色经济 发展的价值发现者、资源整合者与坚定同行者。 编辑：高嘉赢 转自：新华财经 新华财经长沙12月17日电 "新华财经看湖南·对话湖南银行家"系列访谈近日全新上线，节目通过面对面 的思想碰撞与经验分享，旨在系统展现湖南金融业做好"五篇大文章"、服务实体经济的特色路径与扎实 成效。本期节目对话中国邮政储蓄银行湖南省分行党委书记、行长胡建国，聚焦该行如何助力绿色发 展。 邮储银行湖南省分行以打造省内"绿色金融标准制定与践行银行"为目标。胡建国表示，实现这一目标的 关键在于构建"可衡量、可追溯、可激励"的绿色金融体系。为此，该行从三方面扎实推进相关工作：在 机制建设上，成立绿色金融委员会，给予资源倾斜；在标准制定上，在省内率先系统化开展企业碳核 算，已完成867户企业碳排放核算；在产品创新上，推出"碳减排挂钩贷款"，将利率与减排成效挂钩， 变"要求绿色"为"激励绿色"。 在碳金融化探索中，该行首推个人碳账户并深化企业碳核算。"这一举措有利 ...

Group 1 - Postal Savings Bank of China (PSBC) experienced a decline of 0.93% in stock price on December 16, with a trading volume of 633 million yuan [1] - On the same day, PSBC had a financing buy-in amount of 62.86 million yuan and a financing repayment of 58.88 million yuan, resulting in a net financing buy of 3.97 million yuan [1] - As of December 16, the total financing and securities lending balance for PSBC was 1.105 billion yuan, with the financing balance accounting for 0.31% of the circulating market value, indicating a high level compared to the past year [1] Group 2 - PSBC was established on March 6, 2007, and listed on December 10, 2019, providing banking and related financial services in China [2] - The bank's main business segments include personal banking (65.15% of revenue), corporate banking (22.71%), and funding operations (12.10%) [2] - As of September 30, PSBC had 142,600 shareholders, a decrease of 13.09% from the previous period, with an average of 478,570 circulating shares per shareholder, an increase of 15.29% [3] Group 3 - PSBC has distributed a total of 137.796 billion yuan in dividends since its A-share listing, with 77.395 billion yuan distributed in the last three years [4] - As of September 30, 2025, major shareholders included Hong Kong Central Clearing Limited, holding 520 million shares, a decrease of 422 million shares from the previous period [4] - Other significant shareholders include Huaxia SSE 50 ETF and Huatai-PB CSI 300 ETF, both of which have also seen reductions in their holdings [4]

中国邮政储蓄银行股份有限公司 关于不再设立监事会的公告 中国邮政储蓄银行股份有限公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或 者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 证券代码：601658 证券简称：邮储银行 公告编号：临2025-063 中国邮政储蓄银行股份有限公司（以下简称本行）于2025年10月9日召开的2025年第二次临时股东大会 审议批准了《关于修订〈中国邮政储蓄银行股份有限公司章程〉的议案》和《关于中国邮政储蓄银行不 再设立监事会的议案》。近日，本行收到《国家金融监督管理总局关于邮储银行修改公司章程的批复》 （金复〔2025〕713号）。 自本行公司章程修订获核准生效之日起，本行不再设立监事会，由董事会审计委员会依法行使监事会相 关职权。现任监事白建军先生、陈世敏先生、李跃先生、谷楠楠先生不再担任本行监事及监事会相关职 务。上述监事均确认与本行无不同意见，也无任何其他相关事项需要通知本行股东及债权人。本行监事 会相关制度同时废止。 中国邮政储蓄银行股份有限公司 关于公司章程修订获国家金融监督管理总局 核准的公告 中国邮政储蓄银行股份有限公司董事会及全体董 ...

Group 1 - The company has signed a sales agreement with Dongfang Securities to sell its fund starting from December 17, 2025 [1] - The fund involved is the Invesco Great Wall Anxiang Return Flexible Allocation Mixed Securities Investment Fund [1] - Investors can inquire about details through the customer service hotline of Invesco Great Wall Fund Management Company [3] Group 2 - The company has also signed a sales agreement with Jinshan Bank to sell part of its funds starting from December 17, 2025 [6] - The sales institution is Jinshan Bank, with specific contact details provided for investor inquiries [6][8] - Similar to the previous agreement, the fund operations will follow the regulations set by Jinshan Bank [6] Group 3 - A sales agreement has been established with China Postal Savings Bank for the "You Ni Tong Ying" cooperative platform, effective December 17, 2025 [10] - The platform will facilitate the sale of part of the company's funds, with specific operational details to be determined by the platform [10][11] - Investors can contact the customer service hotline for inquiries regarding this platform [13] Group 4 - The company has entered into a sales agreement with Sunshine Life Insurance to sell the Invesco Great Wall Taihe Return Flexible Allocation Mixed Securities Investment Fund starting December 17, 2025 [15] - The sales institution is Sunshine Life Insurance, with contact information provided for investor inquiries [15][17] - Fund operations will adhere to the regulations set by Sunshine Life Insurance [15] Group 5 - A sales agreement has been signed with Guosen Securities for the Invesco Great Wall Steady Return Flexible Allocation Mixed Securities Investment Fund, effective December 17, 2025 [19] - The sales institution is Guosen Securities, with specific contact details for investor inquiries [19][22] - Fund operations will follow the guidelines established by Guosen Securities [19]

Group 1: Climate Finance and Agricultural Innovation - The "climate loan" from Postal Savings Bank of China (PSBC) has enabled local agricultural enterprises to thrive despite adverse weather conditions, exemplified by a 9.35 million yuan loan that supported a successful harvest of colorful peppers in Fujian [1][2] - Green agricultural companies, such as Green State Agricultural Development Co., have benefited from innovative financial products that assess their climate-friendly practices, allowing them to secure favorable loan terms [2][3] - The collaboration between PSBC and local meteorological departments has led to the creation of a "climate-friendly enterprise evaluation system," which provides differentiated financial support based on companies' environmental practices [2][3] Group 2: Support for Traditional Agricultural Industries - PSBC has been instrumental in supporting traditional tea industries in Fujian, providing financial tools that help companies like Minrong Tea Co. expand their operations and enhance product quality [4][5] - The bank's financial support has allowed tea companies to modernize their production processes and improve their market reach, contributing to the preservation of cultural heritage while promoting economic growth [5][6] - The integration of financial services with local agricultural practices has enabled companies to achieve sustainable development and increased profitability [6] Group 3: County-Level Industry Development - The goose liver industry in Shandong has seen significant growth, with PSBC providing tailored financial solutions that support the entire supply chain, from breeding to processing [7][8] - Financial backing from PSBC has allowed local enterprises to expand their operations, resulting in increased revenue and improved livelihoods for associated farmers [8][9] - The bank's focus on understanding the unique needs of different agricultural sectors has facilitated comprehensive financial support, contributing to the overall economic development of rural areas [9][10]

Core Viewpoint - The tightening of personal precious metals trading by banks acting as agents for the Shanghai Gold Exchange is aimed at managing market risks, complying with regulatory pressures, and fulfilling investor suitability obligations, leading to a more concentrated and mature market structure focused on institutional clients [1][3]. Group 1: Bank Adjustments - Several banks, including Industrial and Commercial Bank of China (ICBC), have announced adjustments to their personal precious metals trading business, actively clearing inactive "three-no" clients (no positions, no inventory, no debts) [2][3]. - ICBC's announcement states that from December 19, 2025, it will transfer the balances of these clients' margin accounts to their linked settlement accounts and terminate related business functions [2][3]. - Other banks such as Agricultural Bank of China and China Postal Savings Bank have also made similar announcements regarding the termination of agreements with inactive clients [2]. Group 2: Market Implications - Experts believe that the exit of personal investors from bank channels may lead to a decrease in trading volume and a return of margin funds, while also pushing investors towards futures companies, brokerages, or physical gold platforms, accelerating the differentiation and specialization of precious metals investment channels [4][5]. - The adjustments are expected to help investors reassess the risk-return characteristics of gold investments, promoting a shift from short-term speculation to long-term asset allocation [4][5]. Group 3: Transformation of Banking Precious Metals Business - The retail side of banking precious metals business is transitioning from a trading channel to asset allocation services, moving away from high-risk, high-leverage products towards more stable financial products like gold ETFs [5]. - This shift indicates a transformation in the retail precious metals business model from providing trading channels and physical sales to offering asset allocation services and standardized financial products [5]. - Future growth opportunities for banks in the precious metals sector include promoting lower-risk investment products such as accumulated gold and physical gold bar sales, catering to residents' demand for hedging and asset allocation [5].