转自：新华财经 一张看似普通的社保卡，却是连接城市服务与百姓生活的温情纽带。日前，青岛市"社会保障卡惠民服 务季"活动启动。该活动由青岛市人社局、市民政局等多部门联合主办，邮储银行青岛分行承办。当金 融服务走进街巷、融入文化、贴近民生，一场关于"惠民"的生动实践悄然展开。 服务沉下去 民心暖起来 "社会保障卡，绝不仅是一张卡片，它是衔接政府公共服务与百姓金融生活的关键枢纽。"邮储银行青岛 分行相关负责人说。该行秉持"普惠城乡、惠泽民生"初心，以国有大行担当践行社保"一卡通"政策的扎 实行动。而这份担当，首先体现在让服务"沉"到市民触手可及的地方。 活动中，"社保卡爱情主题邮局"正式亮相。这并非简单挂牌，而是一次集"社保服务+邮政功能+文化体 验"于一体的跨界融合创新。 "社保卡爱情主题邮局"坐落于青岛百年风貌的大鲍岛街区，内部空间被巧妙分割，一侧是功能清晰 的"人社服务专区"，一侧是浪漫满溢的"爱情文化体验区"。社保的坚实可靠与爱情的永恒承诺，在此产 生了奇妙的共鸣。 作为"社会保障卡惠民服务季"的重要组成部分，第三届社保卡艺术节也同步启动。邮储银行青岛分行线 上线下联动，策划落地了多场活动。在"云端"，通过 ...

【#交易商协会对邮储银行启动自律调查#】近日，交易商协会了解到，中国邮政储蓄银行股份有限公司 在债务融资工具承销发行过程中涉嫌违规，违反公平、公正、勤勉尽责的原则。依据《银行间债券市场 自律处分规则》，交易商协会对邮储银行启动自律调查。（智通财经） ...

Group 1 - A total of 26 A-share listed banks have announced interim or quarterly dividend plans, exceeding the 24 banks that did so in 2024 [1] - The total expected dividend amount from these banks is over 260 billion yuan, with state-owned banks accounting for approximately 70% of this total [1] - Industrial and Commercial Bank of China leads with a proposed dividend of 50.396 billion yuan, followed by China Construction Bank, Agricultural Bank of China, Bank of China, Postal Savings Bank, and Bank of Communications with dividends of 48.605 billion yuan, 41.823 billion yuan, 35.250 billion yuan, 14.771 billion yuan, and 13.811 billion yuan respectively [1] Group 2 - Several banks, including Industrial Bank and Ningbo Bank, are announcing dividend plans for the first time [2] - Industrial Bank plans to distribute a cash dividend of 5.65 yuan per 10 shares, totaling 11.957 billion yuan, which represents 30.02% of its net profit attributable to ordinary shareholders for the first half of 2025 [2]

Group 1: Financial Support and Impact - Postal Savings Bank of China Jiangxi Branch has focused on serving the real economy by providing targeted financial resources to key areas of county economic development, resulting in an agricultural loan balance of nearly 106.5 billion yuan and inclusive small and micro enterprise loans exceeding 78.5 billion yuan by the end of November 2025 [1] - The bank has implemented a customized financial service model, creating exclusive financial product solutions tailored to the unique agricultural industry layout in Jiangxi Province, particularly focusing on five major industrial chains and two characteristic industrial chains [1] - The bank's support has enabled companies like Guodu Traditional Chinese Medicine to secure timely funding, which has been crucial for their growth and operational needs, demonstrating the bank's role in facilitating business development during critical periods [2][3] Group 2: Industry Development and Innovation - Guodu Traditional Chinese Medicine has invested over 100 million yuan in modernizing its pharmaceutical workshop and research center, showcasing the integration of traditional practices with modern technology, supported by Postal Savings Bank [3] - Tianyu Oil Co., Ltd. has expanded its product range and enhanced its production capabilities through financial backing from the bank, which has allowed for increased research and development and digital transformation [4][5] - Jiangxi Hongcheng Aluminum Co., Ltd. has benefited from a tailored financial service plan that addresses its specific needs for high-end technology and equipment, enabling it to pursue a green development strategy [6] Group 3: Support for Green and Sustainable Development - Postal Savings Bank Jiangxi Branch has established a comprehensive financial service system to support traditional industry upgrades and technological innovation, focusing on green and low-carbon economic initiatives [7] - The bank has actively engaged with local governments and businesses to provide diversified financing solutions, thereby promoting the development of the circular economy and supporting green industries [6][7] - Jiangxi Dertai Technology Co., Ltd. has received significant financial support for its expansion projects, reflecting the bank's commitment to fostering innovation in the medical equipment sector [8] Group 4: Tailored Financial Products for Specific Industries - The bank has developed specialized loan products, such as the "Metal Furniture Industry Loan," to better match the financial needs of small and micro enterprises in the metal furniture sector, addressing challenges like insufficient collateral [9][10] - Through initiatives like "Hundred Banks Enter Ten Thousand Enterprises," the bank has conducted in-depth visits to understand the operational status and funding needs of private enterprises, allowing for customized financing solutions [10]

罗定市某科技发展有限公司一直专注于肉桂初加工，近年来随着肉桂市场价格持续走高，该公司逐步扩 大生产规模，并开始向深加工领域探索转型。 ■本报记者 李美丽 截至目前，邮储银行云浮市分行已累计投放肉桂产业相关贷款1.5亿元，惠及产业链上各类经营主体。 在"中国肉桂之乡"广东省罗定市，连绵的肉桂林在微风中泛起绿浪，空气里浸润着温暖辛甜的桂香，一 棵棵肉桂树正悄然经历一场从"绿叶"到"金叶"的价值跃迁。 一片桂叶，一缕桂香，正悄然带动一方百姓增收致富，铺就乡村振兴的"温暖之路"。随着"肉桂+"服务 体系的深化，罗定市正走出一条从"桂香满地"到"桂通四海"的产业振兴之路。 近年来，邮储银行云浮市分行将肉桂产业作为服务乡村振兴的重点领域，持续加大信贷投放，着力破解 产业发展中融资难、融资贵的问题。 为精准服务罗定市"一县一业"特色发展布局，邮储银行云浮市分行在当地打造了一支专业的肉桂产业金 融服务团队，打通融资"快车道"，实现审批提速、服务上门、政策直达。据记者了解，该分行工作人员 主动走进田间地头、加工车间，与桂皮行业协会等建立联动机制，常态化开展走访调研，摸清产业实 情、识别融资痛点，让金融服务真正从"柜台上"延伸到 ...

Core Viewpoint - The article highlights the role of Postal Savings Bank in supporting the orange farming industry in Ganzhou, Jiangxi, through tailored financial services that enhance productivity and profitability for local farmers [1][5]. Group 1: Financial Support for Farmers - Postal Savings Bank's Ganzhou branch provides customized financial solutions to smallholders, large-scale growers, and industry leaders, facilitating their agricultural operations from spring preparation to summer maintenance [1][5]. - The bank's "Spring Cultivation Service Team" assists farmers like Li Defu by offering quick access to loans, such as the "Express Loan" of 400,000 yuan, enabling them to expand their operations and adopt modern agricultural technologies like drones [2][5]. Group 2: Enhancing Scale and Efficiency - Large-scale grower Zhang Wang received a tailored loan of 300,000 yuan to address urgent funding needs during the critical summer maintenance period, ensuring the quality of his orange crop [3][5]. - The bank's efficient loan processing and on-site support help farmers manage their cash flow effectively, allowing them to focus on quality production and scaling their operations [3][5]. Group 3: Upgrading Production and Sales - Wu Guoxing, another large grower, benefited from a comprehensive financial and logistics solution, including a 500,000 yuan "Industry Loan" and a 300,000 yuan re-employment interest subsidy loan, to meet increased demand and streamline logistics [4][5]. - The bank has invested over 13.2 billion yuan in the orange industry, benefiting around 80,000 customers, thereby contributing to rural revitalization and economic growth in the region [5].

Core Viewpoint - The article discusses the strategic development of Henan Province in China, focusing on the construction of a "hub" to enhance its economic and social development during the 14th Five-Year Plan period, leveraging its geographical advantages and comprehensive resources to integrate into the national unified market [1]. Group 1: National Element Allocation Hub - The core of building a national element allocation hub is to promote the market-oriented allocation of resources, which will enhance overall productivity and support high-quality development [2]. - Henan has the potential to become a national element allocation hub due to its rich resources, large population, and established infrastructure, including being a national big data comprehensive pilot zone [2]. - The Zhengzhou Data Trading Center is crucial for this hub, facilitating the commercialization and financialization of data, which will enhance the province's element allocation capabilities [3]. Group 2: Modern Logistics Hub - The 14th Five-Year Plan suggests implementing actions to reduce logistics costs and enhance logistics infrastructure, aiming to establish several regional logistics hubs and an international logistics center [6]. - To convert "flow" into "retention," it is essential to improve the efficiency of logistics through multi-modal transport and enhance international supply chain stability [7]. - Recommendations include building a multi-layered logistics hub network, innovating logistics service models, and expanding international logistics channels [8]. Group 3: Commodity Distribution Hub - The plan emphasizes supporting the Zhengzhou Commodity Exchange and establishing a resource allocation hub for bulk commodities, focusing on enhancing storage and transportation capabilities [9]. - The development of a comprehensive supplier network and a significant agricultural product trading center is essential for establishing a large-scale market and trade system [10]. - The integration of futures and spot markets at the Zhengzhou Commodity Exchange is seen as a key driver for the resource allocation hub, promoting price discovery and risk management [11].

本期，南财理财通重点关注最低持有期人民币公募产品的业绩表现，按照7天、14天、30天、60天持有期限分类对产品业绩进行 排名，业绩指标计算指标为年化收益率，计算区间与持有期限相同，如90天持有期产品的业绩计算区间为近三月年化收益率， 同机构同系列同投资周期产品保留一只参与排名。 统计代销机构（28家）：工商银行、中国银行、农业银行、邮储银行、建设银行、交通银行、招商银行、中信银行、光大银 行、民生银行、兴业银行、浦发银行、广发银行、浙商银行、华夏银行、平安银行、恒丰银行、渤海银行、北京银行、宁波银 行、江苏银行、上海银行、南京银行、杭州银行、徽商银行、微众银行、网商银行、百信银行。 需要特别提醒的是：本榜单对理财产品"在售"状态的判断基于其投资周期推算。但实际情况中，部分产品可能因额度售罄，或 银行针对不同客户展示的产品清单存在差异而无法购买。因此，建议投资者以代销银行APP的实际展示为准。 此外，南财理财通虽力求客观公正，但不对本评价榜信息的真实性、完整性和准确性作任何保证，排名信息仅供参考。 | | | (A(分割) | | K | | | | --- | --- | --- | --- | --- | ...

当前，商业银行线下网点"瘦身"已趋于常态化。 农商行占比达八成 据金监总局官网"金融许可证信息"栏目，截至12月8日，共计6747家商业银行线下网点正式 退出，与去年退出的2533家相比大幅增加。 其中，当前最新退出的机构是广东清新农村商业银行股份有限公司浸潭中心分理处，批准日 期为2018年7月31日，发证日期为2021年12月22日，发证机关是清远分局，退出日期为今年 12月5日。 与此同时，今年第一家获批退出的是中原银行股份有限公司三门峡文博城支行，批准日期为 2014年12月23日，发证日期在2021年10月8日，发证机关为三门峡分局，退出日期为今年1月 2日。 | 机构类型 | 退出数量 | 退出数量 | 增减率 | | --- | --- | --- | --- | | | 截至2025年12月8日 | 截至2024年12月31日 | (%) | | 农商行 | 5446 | 1302 | 318. 28 | | 国有大行 | 692 | 644 | 7.45 | | 股份行 | 277 | 316 | (12. 34) | | 城商行 | 273 | 221 | 23. 53 | | 外资银行 ...

Core Insights - The 2025 Central Economic Work Conference emphasized the need to fully tap economic potential and maintain a dual approach of policy support and reform innovation, which has sparked widespread discussion among grassroots banking staff [1][2] - The conference prioritized expanding domestic demand and building a strong domestic market, providing banks with new growth opportunities in sectors like accommodation, dining, entertainment, education, and elderly care [2][3] - The meeting highlighted the importance of innovation-driven development, guiding banks to deepen their engagement in "technology finance" and support innovation [3][4] - The conference addressed the stabilization of the real estate market and the promotion of "good housing" construction, which is crucial for residents' well-being and aligns with banks' traditional strengths in housing financial services [4][5] Group 1 - The conference called for a focus on serving the real economy, technology innovation, and green development, encouraging banks to translate these directives into actionable measures [2][3] - Grassroots banking professionals expressed their commitment to aligning their work with the conference's spirit, aiming to enhance financial services for small and micro enterprises and improve efficiency through financial technology [1][2] - The emphasis on rural revitalization and urban-rural integration has boosted banks' confidence in deepening their involvement in these areas [3][4] Group 2 - The conference's focus on stabilizing the real estate market and promoting housing construction provides a strong foundation for banks to support residents' housing needs [4][5] - Banks are planning to optimize differentiated housing credit policies to meet the demands of new citizens and families with multiple children, leveraging financial technology to enhance service efficiency [4][5] - As the "14th Five-Year Plan" concludes and the "15th Five-Year Plan" begins, banking staff are eager to implement the conference's directives and contribute to high-quality economic development [5]