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） ...

六大国有行中期分红将陆续发放！邮储银行最新公告，将于2026年2月13日派发中期股息每10股1.23 元，合计派息约147.72亿元。除邮储银行外，其他五家国有银行也计划明年1月进行中期分红。其中， 工商银行拟每10股派1.414元（含税），派息约503.96亿元，派息规模最大，建行、农行派息规模超过 400亿元。六家国有银行合计派息规模约2046.57亿元。银行中期分红从"可选项"逐渐转变为"常规动 作"，与近年来监管层持续倡导密不可分。业内认为，这既是银行响应监管号召、稳定投资者预期，也 折射出上市银行盈利稳健性与现金流的持续巩固。 ...

博兴县公用事业集团有限公司是博兴县唯一一家综合性公用事业国有企业，是该县基础设施建设与民生 服务的核心载体。在养老产业布局上，该企业充分发挥自身资源优势，将公用事业服务与养老服务有机 结合，计划重点建设博兴县养老服务体系建设项目，打造社区养老中心,创新采用BIM技术实现养老项 目建设、运营全周期管理，配置智能紧急呼叫系统、健康监测等硬件设施，构建"适老化+智能化"养老 服务模式，为老年人提供高品质、全方位的养老服务。 可就在该企业决定启动养老服务设施建设项目时，项目前期投入大、长期资金需求迫切的难题却成为摆 在面前的绊脚石，尤其是该项目涉及同时建设多个街道的颐养中心，加之专项债迟迟无法到位，资金压 力极大。邮储银行（601658）滨州市分行敏锐捕捉到企业需求，第一时间组建专业服务团队深入企业对 项目规划、建设进度、运营模式设计、市场需求前景等进行全面、细致的调研，并主动担当，成为子项 目博兴县博昌街道综合养老服务中心建设项目的唯一授信行。经过多轮研讨分析，该行结合企业实际经 营状况与资金需求，为该项目提供了7485万元固定资产贷款专项授信，用于支付博昌街道养老项目建设 预付款和进度款等。预计本月中旬前放款。 ...

据悉，项目建成后，将成为一所布局合理、服务完善、管理科学、环境优雅的高品质医养中心。届时老 年人可实现"住得安心、吃得舒心、玩得开心、健康有保障"，子女也能放心，真正将其打造为老年人颐 养天年的"幸福之家"，让老年人切实感受党和政府的关怀，共享社会发展成果。 养老产业发展，资金保障是关键。邮储银行济宁市分行在获悉该医养健康中心的项目信息后，迅速启动 服务响应机制，将金融支持落到实处。针对该项目"省内首笔" 的特殊性，省、市分行组建前中台敏捷 专班，通过现场调研，结合项目实际梳理政策疑问、评估风险收益，量身定制专业化综合金融服务方 案。 市分行指派经验丰富的客户经理现场驻点，协助支行整理申报材料、跟进审批流程，最大限度压缩业务 办理时间，推动贷款快速落地。 近日，邮储银行（601658）济宁市分行成功向当地某医养健康中心提升改造项目发放医养结合类养老产 业贷款。作为该行在山东省内发放的首笔此类专项贷款，目前已累计向项目投放贷款1.66亿元，不仅填 补了省内业务空白，更以可复制的金融服务模式，为全省养老产业信贷业务的推广提供了示范样本，为 康养产业发展注入强劲动能。 ...

12月2日晚间，邮储银行发布公告，将于2026年2月13日派发中期股息每10股1.23元，合计派息约147.72 亿元，占2025年上半年归母净利润的30%。 部分银行分红比例提升 银行中期分红从"可选项"逐渐转变为"常规动作"，与近年来监管层的持续倡导密不可分。 2023年12月中旬，中国证监会发布《上市公司监管指引第3号——上市公司现金分红》，该指引修订内 容主要有三个方面，其中包括简化中期分红程序，推动进一步优化分红方式和节奏。鼓励公司在条件允 许的情况下增加分红频次。新"国九条"也提出，"加大对分红优质公司的激励力度，多措并举推动提高 股息率。增强分红稳定性、持续性和可预期性，推动一年多次分红、预分红、春节前分红。" 尽管面临净息差持续收窄等周期性挑战，但上市银行，尤其是国有大行和部分优质股份制银行，依然展 现出较强的盈利韧性和分红意愿。且记者注意到，部分上市银行此次提出的中期分红比例进一步提升。 如上海银行2025年中期现金分红比例进一步提升至32.22%；沪农商行2025年中期分红比例为33.14%， 较2024年的中期分红比例继续小幅提升。 《中国经营报》记者梳理发现，除邮储银行外，其他五家国有 ...

Core Viewpoint - The latest issuance of 3-year large-denomination certificates of deposit (CDs) by Industrial and Commercial Bank of China (ICBC) has seen the minimum deposit requirement raised to 1 million yuan, with an interest rate of 1.55%, which is currently sold out [1][4]. Group 1: Large-Denomination CDs - The interest rate for the 3-year large-denomination CDs is set at 1.55% with a minimum deposit of 1 million yuan [2][3]. - Previously, ICBC offered a 3-year large-denomination CD with a minimum deposit of 200,000 yuan, also at an interest rate of 1.55% [1][4]. - Other banks, including China Construction Bank, Agricultural Bank of China, and Bank of China, are also offering 3-year large-denomination CDs with a minimum deposit of 200,000 yuan at the same interest rate of 1.55% [4]. Group 2: Market Dynamics and Strategies - The increase in the minimum deposit requirement for large-denomination CDs without a corresponding increase in interest rates reflects banks' proactive liability management strategies in a low-interest-rate environment [4]. - By raising the minimum deposit amount, banks are effectively tightening the supply of large-denomination CDs, aiming to optimize their liability structure and reduce reliance on high-cost deposits [4]. - The main advantages of large-denomination CDs over regular deposits, despite the current interest rate trends, include higher liquidity and flexibility, such as transferability and collateral options, making them suitable for large depositors with short-term capital needs [4].

2025年，是"绿水青山就是金山银山"理念提出20周年，是"双碳"目标提出5周年，也是中央金融工作会 议明确"绿色金融"等五篇大文章2周年。近年来，烟台金融监管分局紧紧围绕烟台市绿色低碳高质量发 展大局，深入贯彻落实国家及省市相关政策部署，坚持监管引领与服务实体相结合，引导辖区大型银行 切实发挥"头雁"作用，持续聚焦重点领域、优化金融服务、深化金融创新，为打造绿色低碳高质量发展 示范城市注入强劲动力。 引领信贷总量稳步增长 实现绿色规模"新突破" 烟台金融监管分局通过制定工作指引、开展季度监测、实施差异化监管等措施，引导大型银行持续加大 绿色信贷投放力度。截至2025年10月末，辖区大型银行绿色贷款余额突破1300亿元大关，较年初增幅达 20.8%，高于各项贷款平均增速9.73个百分点。在规模稳步增长的同时，信贷质量保持优异水平，绿色 贷款不良率仅为0.006%，远低于各项贷款平均水平。绿色贷款客户覆盖面显著扩大，存量户数突破1.65 万户，较年初增幅12.05%。绿色贷款占全部贷款比重提升至25.6%，较年初提高2.07个百分点，绿色金 融已成为信贷增长的重要引擎。 推动流程体系健全优化 构建绿色融资"新格 ...

Core Viewpoint - The collaboration between Xincheng Ceramics and Postal Savings Bank exemplifies how financial support can help small and medium-sized enterprises (SMEs) overcome challenges and contribute to local economic development [1][3]. Group 1: Company Overview - Xincheng Ceramics is the largest and most diverse ceramic wine bottle manufacturer in China, holding a 30% market share in the mid-to-high-end ceramic wine bottle segment [1]. - The company is currently ramping up production to ensure stable supply for the upcoming Spring Festival [1]. Group 2: Financial Support and Innovations - In 2016, Xincheng Ceramics faced financial pressure due to credit reductions from other banks, but Postal Savings Bank quickly responded by offering a "collective factory mortgage loan" of 10 million yuan to alleviate financing difficulties [1][2]. - In 2021, the company initiated an expansion plan for a smart manufacturing factory, and Postal Savings Bank provided 23 million yuan in credit using an innovative "Sci-Tech Loan + collective factory mortgage" model [2]. - By 2025, the credit limit for Xincheng Ceramics was increased to 64 million yuan, along with additional services such as a 60 million yuan annual discounting service and a dedicated payroll system [2]. Group 3: Industry Impact - The collaboration between Postal Savings Bank and Xincheng Ceramics serves as a financial model for the development of the ceramics industry in Liling, with the local ceramics industry achieving an annual output value exceeding 70 billion yuan [3]. - Over the past three years, Postal Savings Bank has provided more than 2.5 billion yuan in loans to ceramic enterprises, addressing funding challenges in procurement, research and development, and technological upgrades [3]. - The bank's focus on regional characteristics and support for SMEs has contributed to the growth and transformation of local industries, showcasing the role of financial institutions in driving economic development [3].