Core Insights - The article emphasizes the abundance of bank wealth management products with similar names and vague characteristics, urging investors to carefully select and differentiate among them [1] - The focus is on pure fixed-income products issued by wealth management companies, providing a performance ranking of these products based on their annualized returns over the past month, three months, and six months [1] Summary by Category Product Performance - The ranking showcases products with outstanding performance, sorted by annualized returns over the past three months to reflect their multidimensional yield performance amid recent market fluctuations [1] - Specific products highlighted include those from Huaxia Bank, which achieved annualized returns of 9.89% over 1 month and 10.92% over 3 months for a 180-day holding period [7] - Other notable products include those from China Bank and China Construction Bank, with varying annualized returns across different holding periods [5][8] Distribution Channels - The article lists 28 distribution institutions, including major banks such as Industrial and Commercial Bank of China, Bank of China, and Agricultural Bank of China, among others [2] - It notes that the availability of products may vary due to factors like sold-out quotas or differences in product listings for different customers, advising investors to refer to the actual displays on bank apps [2] Data Source - The performance data is sourced from the Nanfang Financial Terminal and Nanfang Wealth Management, with statistics as of November 20 [5][12]

■本报记者 郑长灵 在江西省上饶市广丰区的马家柚种植基地里，漫山遍野的柚树郁郁葱葱，金黄饱满的果实压弯了枝头， 呈现出一派喜人的丰收景象。这一成绩的取得离不开邮储银行上饶市分行的金融支持。 走进广丰区鸡公山种养专业合作社，负责人夏列丰正忙碌地组织农户们采摘、分拣、包装马家柚，他对 《农村金融时报》记者感慨道："今年是马家柚的丰收年，这样的繁忙景象在合作社刚成立时简直不敢 想象。" "多亏了邮储银行及时发放的贷款支持，帮我们解了燃眉之急，助我们走上快速发展之路。"夏列丰感激 地说道。前些年，为积极响应上饶市广丰区大力发展马家柚特色产业的号召，夏列丰联合60多户农户， 承包荒山开始规模化种植马家柚，并成立了合作社。然而，创业之路并非一帆风顺。该合作社成立不 久，便遇到了资金周转的难题。由于农业生产前期投资大、周期长，资金出现缺口，限制了该合作社的 马家柚种植规模和产量提升。 截至目前，该分行涉农贷款余额超162亿元，源源不断的金融活水，正有力助推上饶"三农"事业蓬勃发 展，绘就产业兴、乡村美、农民富的崭新画卷。 在了解到该合作社的情况后，邮储银行上饶市分行迅速启动"绿色通道"，第一时间安排客户经理上门实 地调查， ...

Core Viewpoint - Postal Savings Bank of China (PSBC) in Luliang has effectively supported local economic development by focusing on the "three rural issues," small and medium enterprises, and community services through diversified products and efficient services [1] Group 1: Financial Support for Local Industries - PSBC Luliang Branch has invested over 400 million yuan in the red date industry, serving 340 clients, with a loan balance of 57.22 million yuan as of October [2] - In the liquor industry of Fen Yang, PSBC has established a specialized credit service mechanism for over 400 e-commerce and liquor businesses, disbursing 10.2 million yuan in loans [2] - The bank has provided over 5 billion yuan in loans to various local industries, serving 12,000 business entities by the end of October [2] Group 2: Comprehensive Financial Service System - PSBC Luliang Branch has developed a comprehensive financial service system that includes industry research, product innovation, precise matching, and efficiency enhancement to align financial services with industry development [3] - The bank has formed a specialized service team led by the branch president to conduct in-depth visits to industry parks, enterprises, and farms across Luliang, creating a detailed service ledger for each industry [3] Group 3: Product Innovation and Service Efficiency - The bank has created a diverse credit product matrix tailored to the entire lifecycle of industries, including products like "Express Loan" and "Business Loan" for small businesses, which require no collateral and offer quick approval [4] - For long-term funding needs, PSBC has optimized products like "Industry Chain Loans" and "Fixed Asset Loans," providing flexible repayment options and preferential interest rates [4] - The bank has streamlined its approval process for specialty industry loans, ensuring completion from application to approval within 8 working days, and promoting online applications and door-to-door services [4]

Core Viewpoint - The A-share banking sector is experiencing a strong "buying frenzy" driven by market style shifts and substantial mid-term dividend distributions, with Agricultural Bank of China leading the surge with a nearly 60% increase year-to-date [1][4]. Market Performance - As of November 21, 2023, the total market capitalization of the six major state-owned banks reached 10.61 trillion yuan, accounting for 69.5% of all listed banks, with an increase of 2.45 trillion yuan compared to the end of 2024 [1][4]. - The average dividend yield for listed banks is 4.47%, with 12 banks yielding over 5% [1][8]. Dividend Distribution - A total of 24 listed banks have announced mid-term dividend plans, with a combined payout of 263.8 billion yuan, of which the six major state-owned banks plan to distribute over 204.6 billion yuan [6][8]. - The mid-term dividend distribution is occurring earlier than in 2024, with the record date set for mid-December [8]. Stock Performance - Agricultural Bank of China has seen a year-to-date increase of 57.9%, while other major banks like Industrial and Commercial Bank of China and China Bank have also performed well, with respective increases of 24.77% and 16.73% [4][6]. - As of November 21, 2023, the stock price of China Bank reached 6.29 yuan per share, with a year-to-date increase of 19.41%, ranking eighth among 42 listed banks [2][4]. Investment Trends - Recent increases in shareholdings by significant stakeholders in various banks signal positive market sentiment [9]. - The banking sector's performance is supported by a stable fundamental outlook, high dividend yields, and low valuations, making it an attractive investment option [5][6].

近年来，邮储银行深圳分行春风支行始终秉承"服务周边社区、贴近居民需求"的初心，将"邮爱乐园"主 题融入金融服务的每一处细节，用贴心设施、多元活动和专业服务为社区居民搭建便捷、暖心、可信赖 的金融服务平台，让金融服务既有速度又有温度。 ·广告 同时，春风支行主动延伸服务，将金融便民与公益宣传融合。一方面，定期组织工作人员进社区，开展 反洗钱、防诈骗等宣传活动，通过发手册、现场答疑等方式，提升居民金融风险防范意识；另一方面， 对接周边企业，开展金融知识讲座，普及账户安全、信贷理财等知识，宣讲本行客户权益、特色产品及 信用卡福利，为企业员工提供精准服务。 扎根社区，服务民生。未来，邮储银行深圳分行春风支行将持续坚守"以客户为中心"的服务理念，深 化"邮爱乐园"主题驿站建设，始终与社区居民相伴同行，不断丰富活动形式与服务内容，以专业、温 暖、便捷的金融服务全力打造有温度、可信赖的银行品牌，与客户携手共创美好未来。 （数据来源：邮储银行深圳分行） 作为深耕深圳老城区的金融网点，春风支行的服务半径覆盖周边多个成熟住宅区和城中村，客户群体以 社区常住居民为主，且网点紧邻地铁口与公交站点，交通通达性高。为破解客户等候时感到枯 ...

今年以来，兴业银行、中信银行、招商银行3家股份制银行以及邮储银行旗下的AIC相继获批筹建，注 册资本分别为100亿元、100亿元、150亿元和100亿元。其中，兴银投资、招银投资和信银金投已获批开 业。AIC试点加速扩围，也折射出银行业希望借助这一工具突破传统信贷边界，开拓业务新空间。（上 证报） ...

Core Viewpoint - The establishment of Asset Investment Companies (AIC) by several joint-stock banks reflects the banking sector's strategy to expand beyond traditional lending and explore new business opportunities, particularly in equity investment [2][4]. Group 1: AIC Establishment and Capitalization - Three joint-stock banks, namely Industrial Bank, CITIC Bank, and China Merchants Bank, along with Postal Savings Bank, have received approval to establish AICs with registered capital of 10 billion, 10 billion, 15 billion, and 10 billion respectively [3]. - The first AIC, Xingyin Investment, has officially opened in Fuzhou and signed strategic cooperation agreements with four investment institutions, with project cooperation agreements exceeding 10 billion [3]. Group 2: Strategic Importance of AIC - The expansion of AICs is seen as a critical tool for banks to break traditional credit boundaries and inject funds into the real economy, especially in technology innovation and industrial upgrading [4][5]. - AICs are expected to alleviate banks' reliance on traditional credit models, allowing for more flexible funding mechanisms that cater to high-growth, asset-light technology firms [5]. Group 3: Challenges and Recommendations - AICs face structural challenges, particularly the conflict between banks' conservative operational philosophies and the high-risk nature of equity investments [6]. - Experts suggest the need for a cross-cycle assessment system and market-oriented incentive mechanisms to align with the characteristics of equity investment, as well as the relaxation of capital constraints to optimize investment strategies [6].

Core Insights - Postal Savings Bank of China Beijing Branch has transitioned from being a "financial participant" to a "co-builder of the urban sub-center," marking a strategic move to establish a presence in the Beijing urban sub-center [2][3] - The bank has actively engaged in regional institutional innovation, contributing constructively to the legislative process of the Beijing Urban Sub-center Regulations [3] - The bank's financial services have significantly supported the Beijing-Tianjin-Hebei coordinated development projects, with a loan balance of 630 billion yuan and 200 billion yuan in new loans issued in 2025 [3] Financial Integration and Ecosystem Development - The bank's new headquarters in the Canal Business District is designed as an open and shared "financial ecosystem living room," fostering collaboration with various enterprises and institutions [2] - The establishment of a "policy-industry-service" integrated system aims to break down barriers between banks and regional development [2][3] Innovation and Green Finance - The bank has developed an "integrated multi-wing" innovation model, providing over 12.567 billion yuan in funding to more than 60,000 clients through its mobile service [5] - The bank has established a carbon peak and carbon neutrality leadership group, innovating a "carbon account + credit approval" model to direct financial resources towards green industries [5] Support for Small and Micro Enterprises - The bank has launched the "Small and Micro Easy Loan" product to address financing challenges for small enterprises, significantly shortening approval times [6] - Specific financial products, such as "Cherry Loan," have been tailored to support local agricultural businesses [6] Community and Elderly Services - The bank has developed specialized brands like "Golden Sunshine Station" to enhance elderly care services, serving over 1.27 million pension clients with a market share of nearly 50% [6] Digital Transformation - The bank has integrated smart finance into urban life, being the first to introduce the HarmonyOS ecosystem into the financial sector of the urban sub-center [7] - The bank's cloud cabinet model allows 99% of high-frequency transactions to be conducted online, significantly enhancing customer convenience [7] Future Outlook - The bank is committed to deepening its roots in the urban sub-center and expanding its influence, contributing to the area's growth and development [8]

Core Insights - The state-owned large bank sector experienced a decline of 0.55% on November 21, with Postal Savings Bank leading the drop [1] - The Shanghai Composite Index closed at 3834.89, down 2.45%, while the Shenzhen Component Index closed at 12538.07, down 3.41% [1] Bank Performance Summary - China Bank (601988) closed at 6.29, up 0.80% with a trading volume of 6.807 million shares and a transaction value of 4.294 billion [1] - Industrial and Commercial Bank of China (601398) closed at 8.25, down 0.24% with a trading volume of 4.644 million shares [1] - China Construction Bank (601939) closed at 9.79, down 0.31% with a trading volume of 1.800 million shares [1] - Bank of Communications (601328) closed at 7.62, down 0.39% with a trading volume of 2.440 million shares [1] - Agricultural Bank of China (601288) closed at 8.05, down 1.35% with a trading volume of 3.334 million shares [1] - Postal Savings Bank (601658) closed at 5.81, down 1.69% with a trading volume of 2.113 million shares [1] Fund Flow Analysis - The state-owned large bank sector saw a net outflow of 394 million yuan from institutional investors, while retail investors had a net inflow of 308 million yuan [1] - The fund flow for individual banks shows that: - Bank of Communications had a net inflow of 49.743 million yuan from institutional investors [2] - Industrial and Commercial Bank had a net inflow of 2.533 million yuan from institutional investors [2] - China Bank experienced a net outflow of 14.801 million yuan from institutional investors [2] - China Construction Bank had a net outflow of 46.069 million yuan from institutional investors [2] - Postal Savings Bank saw a significant net outflow of 125 million yuan from institutional investors [2] - Agricultural Bank of China had a net outflow of 261 million yuan from institutional investors [2]

Core Insights - The event "Government-Bank Cooperation: Children's Car Launch" was held to address the financing needs of the children's car industry in Quzhou County, facilitating communication between over 40 enterprises and financial institutions [1][3] - The children's car industry in Quzhou County has developed a complete industrial chain, with over 1,800 related enterprises and an annual production exceeding 50 million units, generating an estimated revenue of 15 billion yuan in 2024 [3][4] Group 1 - The event aimed to provide precise financial services to alleviate the "financing difficulties" faced by children's car enterprises, injecting strong momentum into industry development [1][3] - Postal Savings Bank of Quzhou County has optimized its services specifically for the children's car industry, introducing customized "Cluster Easy Loan" products to create a diversified loan system covering the entire lifecycle of enterprises [3][4] - The event resulted in loan intentions from 5 enterprises and 3 individual business loans, with an estimated financing amount of 10 million yuan aimed at technology upgrades, capacity expansion, and market development for children's car enterprises [4] Group 2 - The market regulatory department emphasizes its role in both safeguarding fair competition and serving industrial development, addressing the funding shortages that hinder enterprise upgrades [4] - Continuous efforts will be made to strengthen credit regulation, standardize market order, and optimize the business environment, with a call for financial institutions to expand support for small and micro enterprises [4]