Core Insights - The China Postal Savings Bank (PSBC) held the 2025 Digital Finance Conference, showcasing its advancements in digital finance and the launch of its mobile banking version 11.0, emphasizing its commitment to technology-driven financial services [1] - The bank's president, Liu Jianjun, highlighted the transformative impact of technology on the banking sector, focusing on AI's role in reshaping traditional financial models and enhancing service delivery [2] Digital Strategy - PSBC has adopted a "Digital Postal Savings" strategy, implementing an "AI+" initiative to optimize financial supply, reduce financing costs, and improve service experiences, maintaining a focus on serving the real economy [2] - The bank has hosted the Digital Finance Conference for three consecutive years, evolving its strategy from initial exploration to practical implementation and now to a new era of digital finance [2] AI Capabilities - PSBC is enhancing its AI capabilities by focusing on data, computing power, and algorithms, establishing a robust AI infrastructure that supports business innovation [3] - The bank has received the People's Bank of China Financial Technology Development Award for three consecutive years, indicating its leadership in financial technology [3] AI2ALL Ecosystem - The "AI2ALL" digital ecosystem aims to integrate AI capabilities across various service dimensions, enhancing internal efficiency and external outreach [4] - PSBC has identified nearly 260 application scenarios for its AI capabilities within the "AI2ALL" framework [4] Operational Efficiency - The bank is utilizing intelligent tools across all operational processes, from front to back office, to enhance organizational efficiency and management precision [5] - In the front office, PSBC is leveraging intelligent marketing tools to provide personalized services, moving away from traditional broad marketing approaches [6] Risk Management - In the middle office, PSBC is using intelligent models to improve risk control and business efficiency, creating a new paradigm that balances business growth with risk management [6] Customer Service Enhancement - PSBC is integrating AI into its service delivery across offline, remote, and online channels, aiming to provide seamless and intelligent customer experiences [7] - The bank has introduced cloud-based services and intelligent outbound calling to enhance customer interaction and responsiveness [7][8] Mobile Banking Innovation - The latest version of PSBC's mobile banking app incorporates AI to redefine financial services, offering personalized features and enhanced security measures [8] - The app has received high ratings in user experience, ranking second in overall evaluation among major banks, with top scores in user experience for three consecutive years [8]

Core Insights - Postal Savings Bank of China (PSBC) is showcasing its achievements and future plans in digital finance at the 2025 Digital Finance Conference, emphasizing the integration of technology in financial services [1] - The bank's president highlights the transformative impact of technology on the speed of progress, depth of financial reform, and breadth of service reach, positioning AI as a key driver in reshaping traditional financial models [1][2] - PSBC is committed to serving the real economy by optimizing financial supply, reducing financing costs, and enhancing service experiences, aligning with its mission of "finance for the people" [1][3] Digital Strategy - PSBC has adopted a "Digital Postal Savings" strategy, implementing an "AI+" initiative that has led to the bank receiving the People's Bank of China Financial Technology Development Award for three consecutive years [2] - The bank's intelligent tools span the entire operational process, enhancing management efficiency and organizational effectiveness [2] - In the front office, PSBC utilizes intelligent profiling to improve precision marketing, shifting from broad marketing strategies to personalized services [2] - In the middle office, intelligent models enhance risk control and business efficiency, with tools that integrate expert knowledge into decision-making processes [2] - In the back office, intelligent analysis tools improve employee capabilities by simplifying data access and analysis processes [2] Future Outlook - PSBC is dedicated to its "finance for the people" principle and will continue to advance its "Digital Postal Savings" strategy, focusing on building a digital ecosystem that delivers warm and perceptive financial services to various sectors [3]

转自：新华财经 同时，该行党委发挥先锋模范、党组织战斗堡垒作用，通过评选"两优一先"典型，表彰优秀共产党员， 大力宣传先进事迹。全国劳动模范、自治区劳动模范先后受邀多家企业、社区开展宣讲座谈，彰显模范 带动、示范引领，为企业高质量发展注入"红色动能"。 另外，该行还聚焦经济带核心区的创新中坚力量——专精特新"小巨人"企业，成立以业务骨干为核心的 党小组专业团队，以精准、高效、有温度的金融服务，为"专精特新"企业茁壮成长保驾护航，助力区域 高质量发展。其中经开区支行党支部服务乌鲁木齐市自贸区各类企业300家，商户720余家。 今后，该行将常态化开展"党建+"系列活动，丰富活动内容，延伸金融服务触角，进一步激发红色党建 引领动能。（何建峰） 编辑：穆皓 2025年，邮储银行乌鲁木齐市分行深入开展"党建+"系列活动，凝聚发展合力，有效推动党建与经营发 展同频共振、深度融合。 据悉，该行持续深化党建引领企业发展路径，真正做好聚人心，优服务，促发展。 为此，该行领导班子带头走访各区县、中小企业、科技创新企业、部队、公安武警，开展党建交流、企 业融资、普惠金融、反洗钱反电诈宣讲、义诊服务、健康讲座、困难群众帮扶等，促进双 ...

Group 1 - The People's Bank of China, Shuangyashan Branch, issued an administrative penalty against China Postal Savings Bank Co., Ltd. Shuangyashan Branch for opening a basic deposit account without approval, resulting in a warning and a fine of 21,000 yuan [1][3] - The penalty decision was made public on December 4, 2025, and the public disclosure period is set for 22 days [2][4]

Core Viewpoint - Postal Savings Bank of China Qingdao Branch has successfully issued a loan of 250,000 yuan, marking the first "transaction certification loan" in Qingdao, aimed at addressing the financing difficulties faced by rural operators and supporting rural revitalization [1][2] Group 1: Loan and Financial Innovation - The loan was issued based on a transaction certification from the Qingdao Rural Property Rights Transfer Trading Platform, providing strong support for rural financing needs [1] - The bank focuses on diverse financing needs of rural operators, including farmers, small business owners, and cooperatives, and has launched the "transaction certification loan" to enhance financial services [1][2] Group 2: Service Process and Risk Management - To ensure the efficient implementation of the "transaction certification loan," the bank has established a dedicated service process that simplifies approval and reduces processing time [2] - The bank relies on the Qingdao Rural Property Rights Transfer Trading Platform for compliance verification of rural property transaction subjects, thereby strengthening the credit foundation for loan projects [2] Group 3: Future Plans and Service Expansion - The bank plans to deepen cooperation with the Qingdao Rural Property Rights Transfer Trading Platform and explore a comprehensive service system integrating property trading, transaction certification, and financing guarantees [2] - There will be an emphasis on product iteration and service innovation to develop more financial products tailored to rural property scenarios, aiming to enhance the efficiency of financial services in agriculture and rural areas [2]

"眼看着大订单找上门，我们却因下游货款没及时回来，流动资金根本周转不开，原有贷款额度也不 够，差点就放弃订单了。"湖南怀化市中方县华建工贸有限责任公司负责人回忆说，"没想到邮储银行 （601658）怀化分行这么快就满足了我们的需求。短短三天时间，500万元贷款就到账了，解了燃眉之 急，让我们接下新订单，能有底气安排后续生产、稳定供应。" 日前，该公司在成功对接新订单后，因下游回款延迟而出现短期资金吃紧，原有200万元授信已无法覆 盖生产需要。邮储银行怀化分行在常态化走访中了解到该企业的现实困难，迅速启动专项融资服务流 程，秉持"服务小微、不减速度、不降门槛"的理念，依托大数据风控模型对企业经营状况进行多维度评 估，并结合线下实地核查，全面把握企业真实营收与订单有效性。经综合研判，邮储银行主动协调担保 公司，成功将企业授信提升至500万元，并在3个工作日内实现放款，高效化解了企业生产中的迫切难 题。 "我们这类制造型小微企业很多时候不是没订单，而是被资金卡住了脖子。"该企业负责人感慨地 说，"邮储银行不仅放款快，服务也贴心，真正做到了为我们'撑腰'。" 邮储银行怀化分行持续优化"线上+线下"一体化服务模式，强化 ...

Core Viewpoint - The mid-term dividend distribution by major state-owned banks in 2025 is characterized by an increase in quantity, faster pace, and stable strength, which may serve as a catalyst for the valuation recovery of the banking sector [1][5][6]. Group 1: Dividend Distribution Characteristics - The timing of mid-term dividends has advanced by nearly a month compared to last year, with 26 A-share listed banks announcing dividend plans totaling over 260 billion yuan, reflecting a 2.55% increase from last year [2][3]. - The total cash dividend amount from the six major state-owned banks is expected to exceed 200 billion yuan, maintaining a payout ratio of 30% of net profit attributable to shareholders [1][2]. - Industrial and Commercial Bank of China leads with a cash dividend of 1.414 yuan per 10 shares, totaling 50.396 billion yuan [1][2]. Group 2: Participation of Other Banks - Several joint-stock banks and regional banks have joined the dividend distribution, with notable participation from banks like Industrial Bank and China CITIC Bank, which have increased their dividend amounts compared to last year [4]. - A total of 32 listed banks have announced mid-term dividends, with 9 banks planning to implement dividends for the first time [2][4]. Group 3: Market Impact and Investor Sentiment - The stable dividend policies of state-owned banks are closely linked to regulatory guidance, and the implementation of mid-term dividends is expected to enhance the valuation recovery of bank stocks [3][6]. - The average dividend yield for listed banks is 4.48%, with 12 banks yielding over 5%, indicating strong investor interest in high-dividend stocks [2][6]. - Recent stock buybacks by major shareholders and executives signal positive market sentiment and confidence in the long-term investment value of certain banks [8].

真 / 知 / 引 / 导 / 生 / 活 | 大连新闻传媒集团记者邵海峰 | 近日，浦发银行首家足球生态主题支行——大连梭鱼湾支行正式开门迎客，这也是大连首家足球生态主题银行，标志着大连，这座有着浓厚足球和体育氛 围的城市，正以"金融+体育"的深度融合模式，奏响体育经济高质量发展和城市文体旅融合的新乐章。 金融力量，如涓涓细流渗透到体育产业的每一个脉络，成为撬动城市消费升级、提升城市品牌影响力的新引擎。 媒集团记者邵海峰 摄 梭鱼湾足球场中超比赛场景。大连新闻传 $$\Leftrightarrow\exists i,j,l$$ 让"足球城"金字招牌 愈发闪亮 足球是大连鲜明的城市标签。 "足球是镌刻在大连这座城市基因里的荣耀，支持大连足球就是支持城市的未来。"我市一位金融业人士表示。 浦发银行首家足球生态主题支行——大连梭鱼湾支行的正式营业，是浦发银行大连分行深化"金融+体育"战略的关键举措。该支行不仅承接了原大连甘井 子浦发村镇银行的全部业务，更力求打破传统银行服务边界，打造集金融服务、球迷体验、产业链支持于一体的特色服务体系。 浦发银行大连分行与大连英博足球俱乐部的战略合作正在持续深化。双方将共同推出联 ...

Group 1 - Yang Xilin has publicly appeared as a member of the Party Committee of Postal Savings Bank, indicating an expansion of the bank's executive team [1] - Yang has extensive experience within the Postal Savings Bank system, previously serving as the General Manager of the Financial Interbank Department, and has solid regional management experience [1] - The establishment of a Financial Market Business Director position reflects the bank's intention to strengthen its development in financial markets and asset management [1] Group 2 - Postal Savings Bank is continuously promoting balanced development in retail and corporate financial businesses [2] - As of the end of Q3 2025, the bank's total assets reached approximately 18.61 trillion yuan, an increase of 8.90% from the previous year, with total customer loans amounting to about 9.62 trillion yuan, up 8.33% [2] - The bank achieved an operating income of 265.08 billion yuan in the first three quarters, a year-on-year increase of 1.82%, and a net profit of 76.79 billion yuan, up 1.07% [2] Group 3 - The non-interest net income for the first three quarters was 31.48 billion yuan, an increase of 6.79 billion yuan, representing a growth rate of 27.52% [3] - The increase in non-interest income is attributed to enhanced market analysis and increased trading of bonds and bills, leading to higher trading margin profits [3] - The current senior management team of the bank consists of seven members, including the Executive Director and President Liu Jianjun and several Vice Presidents [3]

【导读】杨西琳以邮储银行党委委员身份公开亮相，曾任金融同业部总经理 中国基金报记者 马嘉昕 邮储银行副行长、董事会秘书杜春野表示，公司金融是该行推进均衡战略的重要一环，是为邮储银行投资者进一步提升价值创造的重要抓 手。 从财报来看，邮储银行的对公业务发展也颇为强劲。截至2025年三季度末，邮储银行总资产规模约为18.61万亿元，较上年末增长 8.90%。其中，客户贷款总额约为9.62万亿元，较上年末增长8.33%；个人贷款总额约为4.86万亿元，较上年末增长1.90%。 12月10日，记者从相关渠道获悉，杨西琳以邮储银行党委委员身份公开亮相。这意味着，邮储银行的高管团队进一步"扩容"。 据悉，在2025年邮储数字金融大会暨手机银行11.0发布会现场，邮储银行副行长牛新庄在介绍出席来宾时对杨西琳的职务表述为该行党委 委员。 从过往履历来看，杨西琳在邮储银行体系内深耕多年，此前曾担任邮储银行金融同业部总经理，长期主导金融同业业务，具备扎实的区域 管理经验。 2025年1月，据"中国银协"微信公众号披露，杨西琳曾以新当选的第四届票委会主任单位邮储银行金融同业部总经理的身份发言。 公开资料显示，2010年3月，杨西琳 ...