Core Viewpoint - Postal Savings Bank of China (PSBC) is actively integrating financial services into rural economic development in Yuncheng, Shanxi, focusing on agricultural support and rural revitalization strategies [1][4]. Group 1: Financial Support for Agriculture - Yuncheng, known as the "granary" of Shanxi, contributes one-fifth of the province's grain output, with wheat production being particularly significant [1]. - PSBC Yuncheng Branch has implemented financial services throughout the agricultural value chain to address the funding challenges faced by local agricultural entities [2]. - The bank has introduced various financial products, such as "Rapid Loan" and "Agricultural and Animal Husbandry Loan," to meet urgent funding needs for agricultural inputs and machinery [2][3]. Group 2: Case Study of Agricultural Cooperatives - The Qianglin Planting Cooperative, established in 2023, faced initial funding shortages but received a 300,000 yuan loan from PSBC, which enabled them to improve storage and transportation facilities [2]. - With the support of PSBC, the cooperative's revenue reached over 3.5 million yuan in 2024, and the bank subsequently granted an additional 1 million yuan credit based on their good credit record [2]. Group 3: Innovative Service Models - PSBC Yuncheng Branch has developed a dual online and offline service system to enhance service efficiency, allowing farmers to apply for loans quickly via mobile devices [3]. - The bank has established a "green approval channel" during critical harvest periods to ensure timely funding aligned with agricultural schedules [3]. Group 4: Community Engagement and Education - The bank has initiated "mobile classrooms" in rural areas to educate farmers about loan application processes and to raise awareness about potential fraud [3]. - PSBC aims to strengthen the financial safety net for rural communities while continuing to support agricultural development and rural governance [4].

Core Insights - The credit card market in China is experiencing a significant contraction, with a total issuance of 707 million cards as of Q3 2025, down from 715 million in Q2 2025 and a peak of 807 million in Q3 2022, marking a decline of approximately 100 million cards over three years [2][3] - The non-performing loan (NPL) rate for credit cards has risen to 2.40% as of mid-2025, indicating increasing pressure on asset quality within the banking sector [5][6] Credit Card Issuance Trends - The total number of credit cards has been on a downward trend for 12 consecutive quarters, with a notable reduction of 800 million cards in Q3 2025 compared to the previous quarter [2] - Major banks have reported a significant decrease in credit card loan balances, with a reduction of nearly 600 billion yuan in the first half of 2025 compared to the end of 2024 [3] - Credit card transaction volumes have also declined, with an overall decrease of approximately 8% year-on-year, particularly affecting banks like China Merchants Bank and Bank of Communications [3] Factors Influencing Market Contraction - The contraction in the credit card market is attributed to multiple factors, including regulatory policies that encourage banks to move away from aggressive card issuance and the rise of mobile payments and internet credit tools that are replacing traditional credit card usage [4] - Banks are shifting their focus from merely expanding card issuance to more refined management and risk control strategies [4] Asset Quality Concerns - The total amount of overdue credit card loans has increased from 842.85 billion yuan in Q2 2022 to 1,239.64 billion yuan by the end of 2024, indicating a growing concern over asset quality [5] - The average NPL rate for credit card overdrafts among 12 domestic banks has risen from 2.33% at the end of 2024 to 2.40% by mid-2025, with specific banks like ICBC and CCB reporting even higher rates [5] Risk Management and Asset Disposal - In response to rising NPLs, banks are accelerating the disposal of non-performing assets, with over 260 billion yuan in personal loan asset packages being transferred in November alone [6] - Notable cases include large asset packages from banks like Minsheng Bank and SPDB, indicating a proactive approach to managing credit risk [6] Operational Adjustments in Banking - Banks are implementing cost-cutting measures, including the closure of credit card centers and integrating credit card operations into broader retail banking strategies [7] - The future of credit card services is expected to focus on providing safer and more value-added financial services rather than merely promoting overspending [7] - The competitive landscape is likely to favor larger banks with strong risk management capabilities, while smaller banks will need to find ways to attract and retain customers without compromising on risk [7]

在金融数字化加速推进的当下，邮储银行青岛分行既紧跟行业浪潮优化线上服务，更始终守护金融服务 的人文本真，以"心"对接民生需求，让技术便捷与服务温度相得益彰，让金融服务不仅传递资金价值， 更传递民生暖意。 转自：新华财经 邮储银行青岛分行以"优化支付服务"为抓手，将便民举措落到实处。今年以来，该行累计投放7968 个"邮爱零钱包"，供应小面额现金1754万元，把便利融入市民日常。"这么冷的天，你们还特意把零钱 包送过来，真是太感谢了。"市北区一处农贸市场内，商户李先生接过零钱包时的感慨，正是服务惠民 的生动注脚。 这份便民服务更跨越城乡界限。该行今年以来开展了8场"现金移动大篷车进乡村"活动，完成15.1万张 （枚）零币、残币及硬币兑换，延伸金融服务半径。"以前换零钱得跑镇上，现在银行直接到家门口， 太方便了。"即墨区一位村民的朴实话语，道出了金融下沉的实际价值。 "以前总担心用手机银行不安全，现在工作人员教得细致，我自己在家也能交水电费了。"78岁的青岛市 民张先生如今已熟练使用手机银行基础功能。考虑到老年人用现习惯，该行推出"定制化零钞预约"服 务，社保、养老金发放高峰期更备足现金，既尊重传统习惯，也帮老年 ...

近日，"责任100｜2025年第九届CSR中国教育榜"发布。中国邮政储蓄银行获评"最佳责任企业品牌"， 其中"邮爱公益"项目凭借在教育公益领域的长期深耕与卓越成效，获得最高荣誉"责任100｜年度典范大 奖"。 未来，邮储银行将继续以"邮爱公益"为重要载体，凝聚更多社会力量，以金融之力赋能乡村振兴，在新 时代谱写企业社会责任的新篇章。 （文章来源：新华网） "责任100｜CSR中国教育榜"由中国教育联盟于2014年发起，是中国教育领域聚焦联合国可持续发展目 标（SDGs）、企业社会责任（CSR）与环境社会治理（ESG）实践的最具影响力奖项之一。 邮储银行始终积极践行社会责任，履行大行担当，传递温暖力量，以初心使命共创美好生活。邮爱公益 自2017年与中国乡村发展基金会联合发起以来，始终聚焦教育公益，通过"邮爱自强班""邮爱奖学 金""邮爱公益爱心包裹"等一系列品牌项目，持续为乡村学子点亮梦想。截至目前，邮爱自强班已在全 国21个省份47个县域开班，助力数百名学子圆梦清华大学、北京大学等国家重点高校。 ...

12月3日至4日，"2026邮政金融论坛暨中邮证券策略报告会"在北京成功举办。本次论坛由中邮证券联合中国邮政储蓄银行、中邮保险共同主办，是邮政整 合银行、证券、保险等多方资源、协同发力、共谋发展的一次重要实践。论坛聚焦"十五五"开局之年的宏观经济趋势、金融改革深化、科技创新驱动等核 心议题，来自邮政集团、金融机构、企业界及学术界的众多嘉宾汇聚一堂，通过主题演讲与专题研讨，共谋金融与实体经济深度融合的高质量发展路径。 中国邮政集团副总经理、邮储银行行长刘建军在主会场发表主旨演讲，中国邮政集团总会计师王嘉君作开幕致辞，中邮保险董事长韩广岳、国务院发展研 究中心原副主任刘世锦、清华大学金融科技研究院副院长薛正华、中邮证券首席经济学家黄付生等也发表主旨演讲，中邮证券董事长龚启华主持主会场会 议。 王嘉君在开幕致辞中表示，党的二十届四中全会准确把握我国发展的历史方位，深入分析国际国内形势，擘画了未来5年发展的宏伟蓝图，为深入推进中 国式现代化指明了前进方向。其中，对金融"五篇大文章"、交通强国、低空经济、跨境电商、降低全社会物流成本、扎实推进乡村全面振兴、稳步推进基 本公共服务均等化等领域作出顶层设计和战略部署，为谱写 ...

Core Viewpoint - A recent penalty issued by the National Financial Supervision Administration has revealed serious internal management issues at Postal Savings Bank, involving two criminal cases of fund misappropriation and loan fraud by bank employees [1][3]. Group 1: Fund Misappropriation Cases - The first case involves a loan officer who misappropriated over 1 million yuan for personal use and lending to others, ultimately leading to a 900,000 yuan shortfall when the funds could not be replenished [1][5]. - The second case is more complex, involving the same loan officer who not only misappropriated funds but also forged loan documents to defraud the bank, implicating two other employees, including the branch manager [1][9]. Group 2: Internal Control Failures - The penalties issued to three employees were due to "inadequate internal control management," with one employee banned from the banking industry for two years and others for three years [3][10]. - The investigation revealed systemic failures in the bank's management, including lack of checks and balances, ineffective approval processes, and reliance on personal trust rather than institutional controls [6][7]. Group 3: Criminal Activities and Legal Consequences - The main perpetrator, who misappropriated funds, was sentenced to four years in prison and ordered to repay 881,000 yuan [7][12]. - Another employee involved in a more extensive fraud scheme was sentenced to 13 years and six months in prison, with additional fines and restitution of over 1.5 million yuan [12].

Core Viewpoint - Postal Savings Bank of China Hubei Branch focuses on supporting veterans' entrepreneurship and employment through enhanced government-bank cooperation, innovative financial products, and optimized service models, effectively stimulating veterans' entrepreneurial vitality and contributing to local economic development and social stability [1][3][4]. Group 1: Financial Support and Impact - As of the end of October, the bank has disbursed a total of 570 million yuan in loans to veterans, leading the province in financial support for veterans and serving over 3,000 veteran clients, which has created employment for over 10,000 people [3][4]. - The bank's "Military Entrepreneurship Loan" product has been pivotal in providing financial backing, with one veteran receiving a loan increase from 50,000 yuan to 200,000 yuan to upgrade his business [1][3]. Group 2: Systematic Approach and Collaboration - The bank employs a "systematic connection" strategy, establishing regular communication with veteran affairs departments to integrate financial services into local government support frameworks, implementing tailored strategies for each county [4][6]. - In collaboration with local veteran affairs departments, the bank has created a project platform for the "Military Entrepreneurship Loan," with a cumulative investment of 150 million yuan benefiting over 200 clients by the end of October 2025 [4][6]. Group 3: Product Innovation and Service Optimization - The bank has introduced specialized products like "Military Entrepreneurship Loan" and "Veteran Loan," with a high proportion of credit loans reaching 89%, catering to various stages of entrepreneurship [5][6]. - A professional customer manager team has been established to conduct market outreach and provide targeted financial services, ensuring effective coverage and accessibility [5][6]. Group 4: Rural and Urban Development - The bank's financial support extends to rural areas, aiding modern agricultural development and creating job opportunities for local residents, with one veteran's cooperative generating over 2 million yuan in annual income [7][8]. - In urban settings, the bank supports small businesses, with loans facilitating market stabilization and business expansion for veterans [7][8]. Group 5: Future Directions and Commitment - The bank plans to continue enhancing its "Military Entrepreneurship Loan" service system, innovate financial products tailored to different development stages, and deepen cooperation with government and enterprises to create a collaborative entrepreneurial ecosystem [8][9].

信用破题，让资产"活"起来 资金短缺、抵押物不足，曾是横亘在许多意图扩大生产的养殖户面前的一道坎。如何让农户的"信用"变 成可用的"资本"，是邮储银行湖北省分行着力破解的首要课题。 在十堰市郧阳区南化塘镇，养殖户刘正勇对此深有体会。他的永诚牧业已发展成年存栏蛋鸡18万羽、青 年鸡20万羽的规模企业。今年，他投入近300万元扩建厂房、升级设备，却遭遇市场价格波动，资金周 转一时捉襟见肘。 近年来，湖北省委、省政府将家禽及蛋制品产业列为湖北十大重点农业产业链之一。湖北禽蛋产业带动 全省百万农户、数百万就业岗位，成为江汉平原、鄂东丘陵等地区农民的"钱袋子产业"，在保障农产品 供给、促进农民增收中发挥着重要作用。 然而，融资难题一度制约着禽蛋产业规模化、标准化发展。传统养殖模式下，农户多以家庭为单位经 营，缺乏标准化厂房、固定资产等传统抵押物，申请贷款时常面临"申请难、审批慢、额度低"的困境 ——不少养殖户因资金缺口错过鸡苗采购黄金期、放弃扩建机会，甚至在鸡蛋价格上扬时因收购资金不 足错失订单。 近年来，邮储银行湖北省分行聚焦禽蛋产业高质量发展需求，以"一县一品"特色服务模式为抓手，通过 产品创新、链式服务和效率提升 ...

Core Insights - The credit card market in China is undergoing a significant contraction, with a reduction of 100 million cards over three years, reflecting a decline in consumer confidence and increased preventive savings [1][2] - As of the end of Q3 2023, the total number of credit cards and loan cards in circulation is 707 million, down from a peak of 807 million in June 2022, marking a continuous decline for 12 consecutive quarters [1] - The rise in credit card non-performing loan (NPL) rates to 2.40% as of mid-2023 indicates increasing asset quality pressures on banks, leading to a strategic shift in credit card issuance [1] Industry Trends - The ongoing reduction in credit card numbers is not a short-term fluctuation but a structural adjustment driven by stringent regulatory policies and insufficient consumer demand [1] - Banks are adopting differentiated strategies in card issuance, with some institutions like Postal Savings Bank and Bank of Communications reducing their card inventories, while others like China Merchants Bank and CITIC Bank are increasing their card issuance through targeted marketing [2] - Deloitte's report suggests a shift in the industry focus from quantity to quality in credit card issuance, indicating a more cautious approach by banks in response to market conditions [2]

据悉，此次培训是武陟县邮银双方深化协同合作、践行社会责任的重要举措，也是构建反诈工作合力的 具体实践。培训中，武陟县反诈中心民警结合近年来高发的电信网络诈骗案例，聚焦"虚假投资理 财""冒充客服退款""冒充公检法"等常见诈骗类型，深入剖析了诈骗分子的作案手段、话术设计及诱导 逻辑。 来源：环球网 为进一步筑牢金融安全防线，提升金融从业者反诈履职能力与群众风险防范意识，近日，邮储银行武陟 县支行联合该县邮政分公司、县反诈中心，共同组织网点一线员工开展反诈宣传专题培训。 针对银行网点业务场景，工作人员重点讲解了开户审核、转账汇款、大额资金异动等环节的反诈防控要 点，指导员工如何快速识别可疑交易、拦截诈骗风险，并向客户开展有效的反诈提示。 下一步，邮银双方将持续强化与反诈中心的合作，通过张贴宣传海报、发放宣传手册、利用网点LED屏 滚动播放反诈标语等多种形式，向广大群众普及反诈知识，切实提升群众的识骗、防骗、拒骗能力，全 力守护群众的"钱袋子"，为维护地方金融秩序稳定贡献邮银力量。（谢新平） ...