香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其 準確性或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容 而產生或因倚賴該等內容而引致之任何損失承擔任何責任。 關於召開董事會會議的通知 中國光大銀行股份有限公司（「本公司」）謹此公佈，本公司將於2025年8月29日（星期五）召 開董事會會議，藉以審議並（如認為適當）批准包括本公司截至2025年6月30日止六個月的 中期業績及其他事宜。 中國光大銀行股份有限公司 董事會 中國‧北京 2025年8月19日 於本公告日期，本公司執行董事為郝成先生、齊曄女士及楊兵兵先生；非執行董事為吳 利軍先生、崔勇先生、曲亮先生、朱文輝先生、姚威先生、張銘文先生及李巍先生；以 及獨立非執行董事為邵瑞慶先生、洪永淼先生、李引泉先生、劉世平先生、黃志凌先生 及黃振中先生。 China Everbright Bank Company Limited 6818 ...

Core Viewpoint - The credit card industry is undergoing significant adjustments, with many banks reducing credit card benefits and closing branches, indicating a shift towards a more streamlined and competitive landscape [1][5][12]. Group 1: Industry Adjustments - Many banks are experiencing a decline in credit card issuance, with over 40 credit card branches approved for closure this year [5][12]. - The credit card sector is facing intense competition in the credit consumption market, leading to a transformation at a critical juncture [6][7]. - The trend of banks focusing on installment payment options is increasing, as they seek to enhance customer retention and profitability [3][10]. Group 2: Market Trends - The total number of credit cards in circulation has decreased, with a drop of approximately 4 million cards year-on-year, marking a 5.14% decline [14]. - Major banks like ICBC and CCB have reported a reduction in their credit card issuance, with ICBC's issuance down by 1.96% and CCB's by 300,000 cards [14]. - Credit card consumption amounts are also declining, with significant drops reported by various banks, including a 16.57% decrease in total consumption for Ping An Bank [14][16]. Group 3: Strategic Shifts - The industry is transitioning from a focus on acquiring new customers to optimizing existing customer relationships, emphasizing quality over quantity [15][17]. - Banks are increasingly targeting high-net-worth clients and integrating various financial services to enhance customer retention and profitability [17]. - The emphasis on product innovation and risk management is crucial for sustainable development in the credit card sector [15][17].

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其 準確性或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容 而產生或因倚賴該等內容而引致之任何損失承擔任何責任。 China Everbright Bank Company Limited 關於召開董事會會議的通知 中國光大銀行股份有限公司（「本公司」）謹此公佈，本公司將於2025年8月29日（星期五）召 開董事會會議，藉以審議並（如認為適當）批准包括本公司截至2025年6月30日止六個月的 中期業績及其他事宜。 中國光大銀行股份有限公司 董事會 中國‧北京 2025年8月19日 於本公告日期，本公司執行董事為郝成先生、齊曄女士及楊兵兵先生；非執行董事為吳 利軍先生、崔勇先生、曲亮先生、朱文輝先生、姚威先生、張銘文先生及李巍先生；以 及獨立非執行董事為邵瑞慶先生、洪永淼先生、李引泉先生、劉世平先生、黃志凌先生 及黃振中先生。 6818 ...

Core Viewpoint - The banking sector, particularly joint-stock commercial banks, is facing significant challenges due to pressure from state-owned banks and city commercial banks, leading to a low growth cycle and increased competition [1][2][4]. Group 1: Industry Challenges - Joint-stock banks are experiencing a decline in total assets, with a total of 73.3 trillion yuan as of April 2024, representing a decrease of nearly 2 percentage points compared to the end of 2020 [3]. - The overall performance of joint-stock banks has weakened due to various factors, including the pressure from state-owned banks and the lack of local government support compared to city and rural commercial banks [6][7][15]. - The market share of joint-stock banks has been declining, particularly after 2016, with a more significant drop post-2020, indicating a failure to establish a differentiated competitive advantage [14][22]. Group 2: Financial Performance - In 2024, several joint-stock banks reported varied performance in total assets and operating income, with some banks like 华夏银行 showing a significant increase in total assets by 24.70% [3]. - The net profit situation for joint-stock banks has been mixed, with some banks like 兴业银行 and 中信银行 showing resilience in their public business, while others like 平安银行 faced declines in net profit [19][21]. - The competition among joint-stock banks is intensifying, with 中信银行 leading in operating income at 2136.46 billion yuan, while 兴业银行 and 浦发银行 are also significant players but facing challenges in maintaining their rankings [19][21]. Group 3: Strategic Responses - In response to the competitive landscape, several joint-stock banks are adopting local strategies to deepen their engagement with regional economies, potentially transforming into upgraded versions of city commercial banks [7]. - The future competition will require banks to balance strategic determination and flexibility, with a focus on differentiating their services and leveraging technology for innovation [22].

中经记者 张漫游 北京报道 近日，交通银行（601328.SH）浙江省分行为"专精特新"企业浙江连信科技有限公司（以下简称"连信科 技"）提供1000万元授信支持，这也是浙江省内人工智能行业首笔数据资产质押融资业务。 据悉，连信科技是全球领先的心理大数据智能应用科技创新企业，这类成长型科技企业普遍为"轻资 产"运营。面对连信科技的融资需求，交通银行浙江省分行科技金融专班协同辖内杭大路支行，创新设 计了"数据资产质押+政策性担保"的复合增信方案。一方面，依托杭州数据交易所的数据产品登记功能 随着数字经济加速渗透，数据要素的价值日益凸显。 国家发展改革委党组成员、国家数据局局长刘烈宏8月14日在国新办举行的"高质量完成'十四五'规 划"系列主题新闻发布会上透露，2024年，全国数据企业数量超40万家，数据产业规模达5.86万亿元， 较"十三五"末增长117%，预计未来几年仍将保持较高的增长水平。 在此背景下，政策层面的突破为数据价值变现注入关键动力。随着财政部《企业数据资源相关会计处理 暂行规定》正式施行，企业数据资源从财务报表的"无形资源"跃升为"可计量资产"。同时，数据资产质 押融资创新实践亦在全国多点开花： ...

Market Overview - A-shares opened lower on August 15, but all major indices turned positive by mid-morning, with the ChiNext Index rising over 1% and the Shanghai Composite Index up 0.25% [1] - The A-share market saw a significant increase in trading volume, reaching 2.3 trillion yuan, marking the first occurrence of "double 2 trillion" in nearly a decade [1] - The margin trading balance also surpassed 2 trillion yuan, indicating a shift towards a "slow bull" market phase [1] Sector Performance - The non-bank financial sector experienced a strong rally, with the brokerage sector leading the charge, as evidenced by Longcheng Securities achieving three consecutive trading limits [1][3] - The banking sector faced declines, with major banks like CITIC Bank and Industrial and Commercial Bank of China dropping over 3% [5][6] - The real estate sector also showed strength, with stocks like Qizhou Development and Xinda Real Estate hitting trading limits [3][4] Capital Flow - There was a notable inflow of capital into the non-bank financial sector, with a net inflow of 6.33 billion yuan [2] - The brokerage ETF saw a significant increase, with trading volumes exceeding 700 million yuan, indicating strong market activity [2] Investment Sentiment - Market sentiment appears optimistic, with various institutions expressing a bullish outlook on the ongoing market rally [8][9] - Some private equity firms are adjusting their portfolios, reducing exposure to overvalued stocks while increasing positions in consumer and internet sectors [8] - Analysts suggest that the current market resembles an "enhanced version of 2013," with a focus on small-cap and growth stocks [11]

Core Viewpoint - The article discusses the implementation plan for the personal consumption loan interest subsidy policy aimed at supporting resident consumption from September 1, 2025, to August 31, 2026, detailing eligibility, subsidy rules, and application processes [1]. Summary by Sections Support Scope - The policy applies to personal consumption loans issued by recognized financial institutions, excluding credit card transactions, where the loan is used for actual consumption. Eligible consumption includes both small daily expenses and larger purchases such as vehicles, home renovations, and electronics. Each individual can receive a maximum subsidy of 500 yuan per transaction, with multiple transactions eligible for cumulative benefits [2]. Subsidy Rules - For transactions under 50,000 yuan, the subsidy is calculated based on the actual amount, with a maximum of 1,000 yuan for multiple transactions at the same institution. For transactions over 50,000 yuan, the subsidy is capped at 3,000 yuan, calculated based on a maximum of 50,000 yuan per transaction. The policy may be extended or expanded based on its effectiveness [3]. Loan Processing Institutions - The policy is limited to 23 recognized financial institutions, including 18 banks and 5 other personal consumption loan providers. The policy supports reasonable borrowing needs and actual consumption behaviors, excluding any non-consumption or fraudulent activities [4]. Subsidy Standards - The average interest rate for personal consumption loans is around 3%. The subsidy rate is set at 1 percentage point, which is approximately one-third of the current commercial bank loan rates, with the central and provincial governments covering 90% and 10% of the subsidy, respectively [5]. Cumulative Subsidy Limits - Each borrower can receive a total subsidy of up to 3,000 yuan from one institution, corresponding to a cumulative consumption amount of 300,000 yuan. For loans under 50,000 yuan, the maximum cumulative subsidy is 1,000 yuan, linked to a consumption amount of 100,000 yuan [6]. Key Areas for Subsidy - The subsidy focuses on several key areas, including household vehicles, home renovations, electronic products, health care, and education training, among others [7][11]. Application Process - Borrowers must authorize the loan processing institution to access transaction information when applying for a personal consumption loan. Existing loans can also be adjusted through supplementary agreements. The institution will calculate the subsidy based on actual consumption and apply it directly to the interest payments, simplifying the process for borrowers [8][9]. Administrative Efficiency - To reduce the burden on borrowers and enhance policy effectiveness, the calculation and application of subsidy funds are primarily managed by the loan processing institutions and local government departments, minimizing additional steps for borrowers [9].

8月12日，《个人消费贷款财政贴息政策实施方案》与《服务业经营主体贷款贴息政策实施方案》正式 对外公布。 政策发布后，多家商业银行迅速响应，纷纷发布公告表示，将严格依照市场化、法治化原则，有序推进 相关政策的落地实施。接受《证券日报》记者采访的业内人士表示，一系列针对性支持举措的落地实 施，将有助于优化和扩大服务消费供给，培育服务消费新增长点。预计两项贴息政策效果叠加，将对商 业银行业务产生结构性影响，并推动个人消费贷款规模稳步增长。同时，服务业经营主体的融资需求有 望加速释放，餐饮、零售、文旅等行业的对公贷款余额有望提升，进一步带动供应链金融、结算等综合 服务需求增长。 积极行动落实政策 《个人消费贷款财政贴息政策实施方案》明确，2025年9月1日至2026年8月31日期间，居民个人使用贷 款经办机构发放的个人消费贷款（不含信用卡业务）中实际用于消费，且贷款经办机构可通过贷款发放 账户等识别借款人相关消费交易信息的部分，可按规定享受贴息政策。 带来业务增长机会 从对商业银行的影响来看，业内人士认为，实施个人消费贷款贴息政策与服务业经营主体贷款贴息政 策，将利好信贷尤其是经营性贷款的恢复，利好商业银行和宏观流 ...

本文转载自每日经济新闻 值班编辑 | 江江 视觉 | 顾芗 财政部、中国人民银行、金融监管总局印发《个人消费贷款财政贴息政策实施方案》，明确2025年9月1 日至2026年8月31日期间，居民个人使用贷款经办机构发放的个人消费贷款（不含信用卡业务）中实际 用于消费，且贷款经办机构可通过贷款发放账户等识别借款人相关消费交易信息的部分，可按规定享受 贴息政策。 全文如下： 关于印发《个人消费贷款财政贴息政策实施方案》的通知 财金〔2025〕80 号 各省、自治区、直辖市、计划单列市财政厅（局），新疆生产建设兵团财政局，中国人民银行上海总 部，各省、自治区、直辖市及计划单列市分行，金融监管总局各监管局，有关金融机构： （三）贷款经办机构。一是6家国有大型商业银行，包括中国工商银行股份有限公司、中国农业银行股 份有限公司、中国银行股份有限公司、中国建设银行股份有限公司、交通银行股份有限公司、中国邮政 为贯彻落实党中央、国务院关于大力提振消费、全方位扩大国内需求的决策部署，我们研究制定了《个 人消费贷款财政贴息政策实施方案》，现印发给你们，请遵照执行。 财政部 中国人民银行 金融监管总局 2025年8月4日 个人消费贷 ...

Core Viewpoint - The article discusses the implementation of financial policies aimed at boosting domestic consumption and demand, specifically through interest subsidies for personal consumption loans and service industry operating entities [1]. Group 1: Policy Implementation - On August 12, the Ministry of Finance and eight other departments released the "Implementation Plan for Loan Interest Subsidies for Service Industry Operating Entities" to enhance consumption and expand domestic demand [1]. - Concurrently, a joint announcement was made regarding the "Personal Consumption Loan Interest Subsidy Policy Implementation Plan" to support consumer spending [1]. Group 2: Bank Responses - Several major banks, including Industrial and Commercial Bank of China (ICBC), Agricultural Bank of China, and Bank of China, announced plans to implement interest subsidies for personal consumption loans starting from September 1, 2025, to lower consumer credit costs and stimulate market activity [2][3]. - ICBC emphasized that it would not charge any service fees for processing these loans and would not use any unofficial channels for applications [2]. - Other banks, such as China Construction Bank and Postal Savings Bank, also committed to simplifying processes and ensuring the effective implementation of these policies [3].