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六大行科技金融全梳理:多层次组织架构成型,贷款、客户双增
2 1 Shi Ji Jing Ji Bao Dao· 2025-09-17 04:28
Core Insights - The report emphasizes the importance of technological modernization in China's financial sector, highlighting the role of financial support in fostering technological innovation and development [1][2] - The six major state-owned banks have made significant progress in enhancing their technology finance capabilities, with a focus on organizational structure, product development, and differentiated policies [1][3] Group 1: Technological Financial Support - The six major banks have established specialized committees and organizational structures to promote technology finance, with a focus on high-standard services and quality development [2][3] - By mid-2023, the banks reported substantial increases in technology loans and the number of technology enterprise clients, indicating a growing commitment to supporting the tech sector [5][6] Group 2: Organizational Structure and Strategy - Each of the six banks has developed a multi-tiered organizational structure for technology finance, with specialized centers and branches dedicated to serving technology enterprises [3][4] - Construction Bank has established a five-level organizational system to enhance its technology finance capabilities, including the creation of specialized branches and centers [4] Group 3: Loan Growth and Client Base - As of June 2023, the total technology loan balances for the six major banks showed significant growth, with Industrial and Commercial Bank of China exceeding 6 trillion yuan and Agricultural Bank of China growing over 20% [5][6] - The number of technology enterprise clients has also increased, with Agricultural Bank serving nearly 300,000 clients and China Bank providing services to over 160,000 clients [5][6] Group 4: Financial Products and Services - The banks are focusing on a comprehensive product system that includes equity, loans, bonds, and insurance to support technology enterprises throughout their lifecycle [6][7] - Different banks are leveraging their unique strengths to cater to specific sectors, such as Industrial and Commercial Bank focusing on strategic emerging industries and China Bank providing cross-border financial services [6][7] Group 5: Policy Support and Implementation - Recent policy changes have facilitated the expansion of technology enterprise acquisition loans and the issuance of technology innovation bonds, enhancing financial support for the tech sector [7][8] - The banks have successfully implemented these policies, with notable achievements in acquisition loans and technology bond underwriting, indicating a robust response to government initiatives [8][9]
四大行校招释放超7万岗位
2 1 Shi Ji Jing Ji Bao Dao· 2025-09-17 04:23
Group 1: Core Insights - The six major state-owned banks in China have launched their 2026 campus recruitment, showing a trend of "stable total volume and optimized structure" compared to previous years [1][2] - The total recruitment numbers are approximately 20,000 for ICBC, 21,000 for ABC, 17,000 for CCB, and 13,000 for BOC, maintaining levels similar to last year [1][2] - There is an increased demand for composite talents, particularly in artificial intelligence and data analysis, aligning with the government's "Artificial Intelligence +" initiative [1][2] Group 2: Recruitment Plans and Special Programs - ICBC has introduced the "Artificial Intelligence +" initiative, aiming to recruit around 20 individuals with AI and big data backgrounds, who will undergo a year of rotation before being assigned to key departments [2] - ABC plans to recruit 20 for financial technology and data analysis, with a focus on roles that support the "Five Major Articles" of finance [3] - CCB is expanding its private banking sector, with a recruitment of 5 for comprehensive services and management of private banking operations [7] Group 3: Talent Development and Training - The banks are emphasizing dual-track talent supply systems, combining management and specialized roles, with ICBC's "Star Plan" and ABC's training programs focusing on grassroots practice [5][6] - CCB's recruitment includes a two-year training program for new hires, with rotations in various departments to enhance their skills [6] - Postal Savings Bank has implemented the "U + Talent Cultivation Plan," providing structured mentorship and diverse internal mobility paths for new employees [7][8]
四大行校招释放超7万岗位
21世纪经济报道· 2025-09-17 04:18
又到一年秋招季,六大国有银行近日全面启动2026年校园招聘。与往年相比,本次校招呈现 出"总量平稳,结构优化"的鲜明特征。 工行"人工智能+"专项计划招聘20人左右,要求人工智能、大数据等相关专业优先,入职后先 在科技机构和境内分行进行为期一年的轮岗锻炼,期满后返回总行,定向安排到对公、零售、 记者丨 张欣 编辑丨杨希 风控等业务部门相关岗位工作。 从招聘规模来看, 工行计划招聘约2.0万人,农行招聘约2.1万人,建设银行招聘1.7万人,中 行招聘1.3万人,总量与去年基本持平。 从招聘岗位特色来看,复合型人才需求加大,人工智 能、数据分析等岗位与国务院《"人工智能 +"行动意见》形成精准对接。同时,围绕金融"五 篇大文章"设立的绿色金融、乡村振兴等专项岗位继续保持,战略业务人才储备机制迎来系统 性升级。 这一变革在科技岗位设置中表现尤为突出:工行创新推出"人工智能 +"行动专项计划,要求候 选人优先具AI 技术背景,通过"科技机构+分行"轮岗后定向输送至总行核心部门;农行将金融 科技、数据分析专项纳入菁穗培训生体系,直接服务金融"五篇大文章"的数据驱动需求;交通 银行设立科技金融储备生,通过2年分行科技金融 ...
绿意新生:邮储银行深耕绿色金融显实效
Zhong Guo Huan Jing Bao· 2025-09-17 03:06
中国邮政储蓄银行股份有限公司(以下简称邮储银行)深入贯彻党的二十大及中央金融工作会议精神, 认真落实国家政策与监管要求,大力发展绿色金融、可持续金融与气候融资,积极创建一流绿色普惠银 行、气候友好型银行和生态友好型银行。 构筑绿色金融发展根基。邮储银行将绿色发展理念融入战略全局,制定"绿色银行建设三年规划""落实 碳达峰碳中和行动方案"等文件,明确绿色金融发展路径,将绿色发展纳入公司治理核心议题,确保国 家"双碳"战略部署有效执行。组织架构上,成立多层级碳达峰碳中和暨绿色金融领导小组,全面推进绿 色金融工作。 夯实风险管理与运营保障。制定"环境、社会和治理风险管理办法",将ESG要求纳入授信业务全流程及 风险治理体系。强化数字赋能,依托"金睛"信用风险监控系统,完成"基于大数据技术的绿色信贷服 务"项目;完善气候风险数据库,接入生态红线、企业碳排放等13类数据,强化全流程环境风险监控。 截至今年6月末,邮储银行绿色贷款余额9586.39亿元,累计设立45家碳中和支行、绿色支行和绿色金融 机构。下一步,邮储银行将全力推进改革创新和转型升级,塑造发展新优势,加快推进内涵式高质量发 展。 完善政策与资源配置体系。制 ...
新华中证同业存单AAA指数7天持有成立 规模41.6亿元
Zhong Guo Jing Ji Wang· 2025-09-17 03:05
募集期间净认购金额4,155,826,451.79元,认购资金在募集期间产生的利息968,236.50元,募集份额合计 4,156,794,688.29份。 中国经济网北京9月17日讯今日,新华基金发布新华中证同业存单AAA指数7天持有期证券投资基金基 金合同生效公告。 | 1 公告基本信息 | | | | --- | --- | --- | | 基金名称 | 新华中证同业存单 AAA指数7天持有期证券投资基金 | | | 基金面标 | 新华中证同业存单 AAA指数7天持有 | | | 基金主代码 | 024719 | | | 基金运作方式 | 製约型开放式 | | | 基金合同生效日 | 2025年9月16日 | | | 基金管理人名称 | 新华基金管理股份有限公司 | | | 基金托管人名称 | 中国邮政储备银行股份有限公司 | | | 公告依据 | 《中华人民共和国证券投资基金法》、《公开募集证券投资基金运 作管理办法》、《公开募集证券投资基金信息披露管理办法》等法 律法规以及《新华中证同业存单AAA指数7天持有期证券投资基 | | | | 金基金合同》、《新华中证同业存单AAA指数7天持有期证券投资 ...
六大行集体公告!启动
Jing Ji Wang· 2025-09-17 02:24
随着"金九银十"求职季的到来,一年一度的银行秋季校园招聘也陆续拉开帷幕。 《金融时报》记者注意到,近日,工、农、中、建、交、邮储六家国有大行集体发布了2026年度校园招 聘的公告,纷纷面向海内外的应届毕业生抛出"橄榄枝",招聘机构不仅包括总行本部,还包括各分支机 构及直属单位。 六大行开启"秋招模式" 根据建设银行发布的校园招聘计划,建行总行2026年度计划招收共计130名应届毕业生,其中,总行部 门经办岗计划招收120人,信用卡中心计划招收10人;今年9月,交通银行及邮储银行总行、控股子公 司、信用卡中心及分支机构等也同步开启了校园招聘。 值得关注的是,在六大行总行的招聘中,各家银行均要求应聘者须为具有境内外普通高等院校硕士研究 生及以上学历的2026年应届毕业生,且毕业时间在2025年1月至2026年7月之间。 复合型人才备受青睐 随着数字化转型的深入推进,各家银行对于金融科技人才的需求依旧有增无减。《金融时报》记者注意 到,在2026年度校园招聘中,六大行均发布了金融科技相关的若干岗位。 在今年秋招季,工商银行继续加大了科技人才招聘力度,其中,工商银行总行开启了"人工智能+"专项 招聘,分支机构则设置" ...
邮储银行北京分行服贸会完美收官,多维诠释“支付为民”服务温度
Zhong Guo Jin Rong Xin Xi Wang· 2025-09-17 02:13
转自:新华财经 多年来,邮储银行北京分行始终紧跟人民银行工作部署,将"支付为民"理念深度融入服务升级的全过 程,从多个方面筑牢便民支付防线。 近日,备受瞩目的北京服贸会圆满落下帷幕,邮储银行北京分行在本次盛会上的精彩表现成为一大亮 点。该行受邀参展,通过多元形式集中呈现了支付服务优化成果,赢得了参会者的广泛赞誉。 为让参会者切实感受服务升级的实效,邮储银行北京分行采用了"视频播放+现场讲解+折页发放"三位 一体的宣传模式。活动现场,《便捷金融选邮储 境外来华更靠谱》专题视频循环播放,详细介绍了为 外籍来华人员量身打造的简易开户、支付便利化及外币兑换服务。工作人员围绕现金使用、电信诈骗防 范等民生关切点进行细致讲解,并同步发放宣传折页,帮助参会者深入了解各项服务细节。 移动支付领域,邮储银行北京分行覆盖了网购、线下扫码、生活缴费、酒店机票预订等高频场景,推出 微信、支付宝绑卡立减、消费满减活动。客户凭短信验证码即可快速完成绑卡,让支付过程更加省心, 为客户的日常生活和消费提供了极大便利。 结售汇服务上,该行通过"线下网点+线上平台"双渠道联动,积极开展线上线下宣传,通过官方微信公 众号和各网点布放《中国邮政储蓄 ...
率先打通在建船舶抵押融资堵点
Jing Ji Ri Bao· 2025-09-16 22:15
Core Viewpoint - The introduction of a mortgage loan for ships under construction by Postal Savings Bank in Heyuan City represents a significant breakthrough in financing for the shipping industry, addressing long-standing challenges in shipbuilding financing and supporting the green shipping trend [1][2]. Group 1: Industry Context - The shipping industry is a crucial link in supporting regional economic circulation, characterized by long construction cycles and high investment [1]. - Traditional mortgage financing has been limited due to the lack of valuation systems for ships under construction, which has hindered project progress for many shipping companies [1]. Group 2: Financial Innovation - Postal Savings Bank's Heyuan branch has developed a new mortgage loan scheme for ships under construction, breaking traditional financing barriers and providing a replicable model for the shipping and shipbuilding industry [2]. - The new financing solution utilizes a valuation model based on "progress + cost + prospects," and includes regulatory agreements to monitor project progress and control risks, allowing for loan approval in just over 10 days [1]. Group 3: Impact on the Industry - This financing innovation not only benefits individual companies but also injects financial support into the green upgrade of the shipbuilding industry, particularly for the construction of LNG new energy vessels [2]. - The bank aims to deepen its services in the shipping sector and enhance the financing service system to support high-quality development of the local economy and rural revitalization [2].
六大行集体公告!启动→
Jin Rong Shi Bao· 2025-09-16 13:17
随着"金九银十"求职季的到来,一年一度的银行秋季校园招聘也陆续拉开帷幕。 《金融时报》记者注意到,近日,工、农、中、建、交、邮储六家国有大行集体发布了2026年度校园招 聘的公告,纷纷面向海内外的应届毕业生抛出"橄榄枝",招聘机构不仅包括总行本部,还包括各分支机 构及直属单位。 六大行开启"秋招模式" 随着数字化转型的深入推进,各家银行对于金融科技人才的需求依旧有增无减。《金融时报》记者注意 到,在2026年度校园招聘中,六大行均发布了金融科技相关的若干岗位。 在今年秋招季,工商银行继续加大了科技人才招聘力度,其中,工商银行总行开启了"人工智能+"专项 招聘,分支机构则设置"科技菁英"岗位,主要为系统开发、应用研发、信息安全、数据挖掘、产品设计 等领域提供科技人才储备。 农业银行还发布了数据中心、研发中心两家总行直属机构的2026年度校园招聘公告,足以见得农行对金 融科技人才的重视。其中,农行数据中心今年共计招聘145人,包括智领计划岗、信息技术工程师岗; 研发中心共计招聘215人,包括智领计划岗、软件研发岗等6类岗位。 除了对于科技人才的关注,"小语种"专业人才也成为了多家国有大行秋招的重点。在今年中国银行 ...
多家银行股东及高管密集增持
Zheng Quan Ri Bao Wang· 2025-09-16 12:25
Core Insights - Recent actions by shareholders and executives of listed banks to increase their holdings indicate a strong confidence in the banking sector's future performance [1][3] - Institutional investors, including insurance and trust companies, are actively investing in bank stocks, highlighting the sector's investment value [1][4] Group 1: Shareholder and Executive Actions - Multiple listed banks have disclosed announcements of share buybacks by shareholders and executives, with significant amounts being committed [2][3] - For instance, Qilu Bank announced a plan for its executives to buy back shares worth at least 3.5 million yuan, while Nanjing Bank's major shareholder increased its stake from 12.56% to 13.02% through a purchase of 56.78 million shares [2] - This trend of increasing shareholdings reflects confidence in the banks' long-term investment value and future growth prospects [3] Group 2: Institutional Investment Trends - Insurance and trust companies have shown a notable increase in their investments in bank stocks, indicating a strong preference for long-term holdings in this sector [4] - Major insurance firms, such as Ping An Life, have actively increased their stakes in banks, focusing on both A-shares and H-shares, which demonstrates a robust commitment to the banking sector [4] - As of June, 18 trust companies were among the top ten shareholders in 25 A-share listed companies, with a total investment value of 59.21 billion yuan, many of which were bank stocks [4] Group 3: Market Outlook and Valuation - Analysts maintain an optimistic outlook for bank stocks, suggesting that there is still room for valuation recovery and highlighting their long-term investment appeal [5] - The banking sector has experienced a phase of adjustment, and the overall performance in the mid-year reports has been positive, with expectations for a rebound in return on equity (ROE) [5] - Factors such as the low interest rate environment and the ongoing shift of household deposits to equity markets are expected to support the demand for bank stocks, enhancing their appeal as a stable income source [5]