当信用卡行业进入存量甚至"减量"阶段，用户精细化运营终于来到信用卡透支利率标准方面。 近日，多家银行对信用卡透支利率标准进行调整， 打破0.05%的透支利率标准。 光大银行近 期发布的公告显示，该行将信用卡透支利率收取标准由"日利率万分之三点五至万分之五（年 利 率 12.7750%-18.2500% ） " 调 整 为 " 日 利 率 0%-0.05% ， 按 照 单 利 算 法 近 似 折 算 年 利 率 为 0%-18.25%"。这一优化调整将于9月29日起正式生效。 | G 2 % 发布时间:2025年08月14日 T | At | | --- | --- | | 尊敬的光大信用卡客户: | | | 感谢您对光大银行信用卡的支持和信任,为了更好地向您提供优质的服务，我行拟对透支利率收取标准进行优化调 | | | 整,具体如下: | | | 一、调整内容 | | | 信用卡透支利率收取标准由"日利率万分之三点五至万分之五（年利率12.7750%-18.2500%）"调整为"日利率 | | | 0%-0.05%，按照单利算法近似折算年利率为0%-18.25%"。我行将根据持卡人的资信状况、用卡情况等动态调 ...

每经AI快讯，光大银行（SH 601818，收盘价：3.43元）9月26日晚间发布公告称，公司第九届第三十一 次董事会会议于2025年9月26日在中国光大银行总行以现场会议方式召开。会议审议了《关于中国光大 银行股份有限公司第十届董事会董事候选人的议案》等文件。 2025年1至6月份，光大银行的营业收入构成为：利息收入占比163.25%，非利息收入占比17.92%。 截至发稿，光大银行市值为2027亿元。 每经头条（nbdtoutiao）——5年增长33倍，这类新险种卖爆了，身边很多人都需要，30多家险企蜂拥而 入⋯⋯ （记者 曾健辉） ...

股票代码：601818 股票简称：光大银行 公告编号：临 2025-046 中国光大银行股份有限公司 第九届董事会第三十一次会议决议公告 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 中国光大银行股份有限公司（简称本行）第九届董事会第三十一 次会议于2025年9月19日以书面形式发出会议通知，并于2025年9月26 日在中国光大银行总行以现场会议方式召开。本次会议应出席董事16 名，亲自出席董事14名，朱文辉、姚威、张铭文、李巍董事以视频方 式参会；委托出席董事2名，曲亮、邵瑞庆董事因其他公务书面委托 郝成、刘世平董事代为出席并行使表决权。会议的召开符合法律、法 规、规章和《中国光大银行股份有限公司章程》（简称《公司章程》） 的有关规定。本行3名监事列席本次会议。 本次会议由吴利军董事长主持，审议并通过以下议案： 一、关于中国光大银行股份有限公司第十届董事会董事候选人的 议案 表决情况：有效表决票16票，同意16票，反对0票，弃权0票。 董事会同意吴利军、崔勇、赵晶晶、姚威、张铭文、李巍为本行 第十届董事会股权董事候选人，同意 ...

证券之星消息，9月26日股份制银行板块较上一交易日下跌0.07%，浦发银行领跌。当日上证指数报收于 3828.11，下跌0.65%。深证成指报收于13209.0，下跌1.76%。股份制银行板块个股涨跌见下表： | 代码 | 名称 | 主力净流入(元) | 主力净占比 游资净流入(元) | | 游资净占比 散户净流入 (元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 000001 | 平安银行 | 6933.69万 | 8.09% | -7657.04万 | -8.94% | 723.36万 | 0.84% | | 600000 | | 6153.32万 | 6.00% | -6166.38万 | -6.02% | 13.07万 | 0.01% | | 601998 中信银行 | | 5780.13万 | 15.29% | -3097.05万 | -8.19% | --2683.08万 | -7.10% | | 601818 光大银行 | | 1714.71万 | 1.98% | -2670.62万 | -3.08% | 95 ...

Group 1 - The recent personnel adjustments at China Everbright Bank are seen as a significant move to strengthen its risk management system, with the appointment of Miao Fengguang as the new General Manager of the Risk Management Department [1][4] - Miao Fengguang has a history of leadership roles within the bank, including positions in Shanghai and Taiyuan branches, indicating a focus on experienced management [1][3] - Other notable appointments include Zhu Tong as the new head of the Taiyuan branch and Zhu Ying as the Deputy General Manager of the Beijing branch, reflecting a strategy of promoting individuals with extensive frontline management experience [3][4] Group 2 - As of June 30, 2025, China Everbright Bank reported total assets of 7.24 trillion yuan, ranking sixth among national joint-stock commercial banks [4] - The bank's operating income for the first half of the year was 65.918 billion yuan, a year-on-year decrease of 5.57%, while net profit grew only 0.53% to 24.741 billion yuan [4] - The bank faced regulatory penalties totaling 4.3 million yuan due to issues related to information technology outsourcing management and data reporting errors, marking the second compliance-related fine this year [4][5] Group 3 - The bank's management has emphasized the need to lower funding costs and improve operational efficiency, focusing on balancing deposit volume and pricing while enhancing customer acquisition capabilities [5] - There is a strong commitment to compliance and risk management, with a focus on stabilizing asset quality and improving the effectiveness of special asset management [5]

"建设银行充分发挥集团全牌照经营优势，不断深化'圈链群'经营理念，积极构建与新型工业化相适应的金融服务体系，为 制造业高端化、智能化、绿色化发展提供全方位金融支持。"建设银行相关部门负责人对《证券日报》记者表示。 记者从光大银行了解到，该行日前推出了支持新型工业化金融服务方案，提出40项具体工作举措，全面支持新型工业化深 入推进。 本报记者 杨洁 新型工业化是推进中国式现代化的重要引擎。今年8月份，中国人民银行等七部门联合发布《关于金融支持新型工业化的 指导意见》（以下简称《意见》），对照新型工业化重点领域，提出针对性支持举措。《证券日报》记者近日了解到，为全面 落实《意见》要求，多家商业银行聚焦新型工业化重大战略任务进行部署。 记者从中国银行获悉，该行近日正式发布《中国银行关于支持新型工业化的工作方案（2025—2027年）》，旨在充分发挥 中国银行全球化优势与综合化特色，进一步优化适配新型工业化的综合金融服务体系。 据介绍，目前，中国银行正以"商行+投行""境内+境外""融资+融智"综合服务，助力增强产业链供应链韧性和科技创新能 力。截至2025年6月末，中国银行工业领域供应链融资余额及科技型企业贷款余额 ...

新型工业化是推进中国式现代化的重要引擎。今年8月份，中国人民银行等七部门联合发布《关于金融 支持新型工业化的指导意见》（以下简称《意见》），对照新型工业化重点领域，提出针对性支持举 措。《证券日报》记者近日了解到，为全面落实《意见》要求，多家商业银行聚焦新型工业化重大战略 任务进行部署。 光大银行相关部门负责人对《证券日报》记者表示，在信贷支持政策方面，该行制定并进一步细化关于 集成电路、工业母机、仪器仪表等重点领域和产业链的行业授信政策，更加聚焦创新产业供应链企业的 金融服务。在服务保障方面，该行制定总分两级对接国家级产业基金、国家制造业创新平台的工作机 制。在数字金融领域，该行综合运用并购、融资租赁和资产证券化等产品持续促进数字经济与实体经济 融合发展。 "金融业亟须赋能制造业及新质生产力加快发展。"在中国银行深圳市分行大湾区金融研究院高级研究员 曾圣钧看来，具体可从以下方面发力：一是优化金融资源配置，促进产业协同发展。二是创新金融服务 模式，提升服务精准度与效率。三是加强金融服务与政府政策协同。政府可通过设立产业引导基金、提 供财政贴息等方式，引导金融机构加大对制造业重点领域和薄弱环节的支持力度。金融机 ...

Investment Rating - The investment rating for the banking industry is "Positive" (maintained) [1] Core Insights - The banking sector is experiencing a shift in fund investment behavior, with banks redeeming low-yield money market funds and increasing their holdings in credit bond funds to enhance returns [5][57] - The total fund holdings of listed banks reached approximately 6.37 trillion yuan, accounting for 2.03% of total assets as of the end of the first half of 2025 [15][18] - The proportion of fund investments in the fair value through profit or loss (FVTPL) category is 48.5%, with city commercial banks showing even higher ratios [15][22] Summary by Sections 1. Fund Investment Participation and Scale - The self-managed fund holdings of listed banks as of June 2025 were approximately 6.37 trillion yuan, with shareholding banks and city commercial banks having significant investment scales of 2.84 trillion yuan and 1.72 trillion yuan, respectively [15][18] - The investment in money market funds decreased to 9.10%, while the proportion of passive index bond funds increased to 7.90% [23][25] 2. Changes in Fund Investment Behavior - Banks are redeeming money market funds and low-yield rate bond funds while increasing their investment in credit bond funds [5][57] - The redemption pressure for money market funds was primarily concentrated in the first quarter of 2025, driven by liquidity management needs and yield enhancement [49][55] 3. Future Expansion and Impact of Redemption Fee Reform - Smaller banks have greater expansion potential in fund investments, driven by the need for redundant fund screening and tax-exempt income [3][3] - The implementation of redemption fee reforms may catalyze preventive redemptions by banks, leading to a preference for customized bond funds and bond ETFs [3][3]

什么是信用卡透支利息？通常而言，持卡人在免息还款期内未全数偿还信用卡账户账单内全部欠款的， 全部欠款不适用免息还款规定，对不符合免息条件的全部欠款，银行以透支交易记账日为起息日收取利 息，此为透支利息。 《每日经济新闻》记者近日翻阅了多家国有行和股份行的信用卡领用合约，各家银行对透支利率的表述 大致有两个版本：一种是信用卡透支利率标准为日利率0.035%至0.05%之间；另一种是信用卡透支利率 标准为日利率0.05%。但无论是哪种表述，对应的银行信用卡中心客服均告诉记者，他们实际均按照 0.05%的日利率来执行。 资深信用卡专家董峥接受《每日经济新闻》记者采访时表示，下调信用卡透支利率，对能够全额还款的 客户可能影响有限，但此举可以有效维护那些无法一次性全额还款而又有还款意愿的客户，减轻他们的 还款压力。 光大银行即将调整 日前，光大银行信用卡中心公告称，该行拟对透支利率收取标准进行优化调整：信用卡透支利率收取标 准由"日利率万分之三点五至万分之五（年利率12.7750% ~18.2500%）"调整为"日利率0%~0.05%，按照 单利算法近似折算年利率为0%~18.25%"。光大银行表示，该项调整将于202 ...

Core Viewpoint - In the first half of 2025, Everbright Bank faced pressure on net interest margin and declining fee income, but investment income increased by 33.41%, contributing to a slight growth in net profit [1][9]. Financial Performance - For the first half of 2025, Everbright Bank reported operating income of 65.918 billion yuan, a year-on-year decrease of 5.57%, and a net profit attributable to shareholders of 24.741 billion yuan, a year-on-year increase of 0.53% [1][9]. - The net interest margin was 1.40%, down 0.14 percentage points from the end of the previous year, falling below the commercial bank warning line of 1.80% [10][1]. - Investment net income reached 10.377 billion yuan, accounting for 15.74% of total revenue, with significant growth in various components of investment income [11][13]. Asset Quality - As of the end of June 2025, the non-performing loan balance was 50.915 billion yuan, with a non-performing loan ratio of 1.25%, unchanged from the end of the previous year [1][9]. - The provision coverage ratio was 172.47%, down 8.12 percentage points from the end of the previous year [1]. Retail Banking and Real Estate Loans - Retail banking revenue for the first half of 2025 was 25.538 billion yuan, down 10.59% year-on-year, with total profit from retail banking accounting for only 3% of total profit [13]. - Real estate loans amounted to 76.148 billion yuan, with a year-to-date increase of 21.088 billion yuan, and the non-performing loan ratio for corporate real estate loans was 4.49% [15]. Historical Performance Trends - From 2022 to 2024, Everbright Bank's operating income showed a continuous decline, with year-on-year growth rates of -0.73%, -3.92%, and -7.05% respectively [3][6]. - The annualized weighted average return on equity (ROE) decreased from 10.27% in 2022 to 7.93% in 2024, indicating ongoing pressure on profitability [6].