二、中国光大银行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自中国光大银行 政许可决定作出之日起3个月内到任，并按要求及时报告到任情况。未在上述规定期限内到任的，本批 复文件失效，由咸阳金融监管分局办理行政许可注销手续。 三、中国光大银行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固树立风险 合规意识，熟悉任职岗位职责，忠实勤勉履职。 2025年12月26日，咸阳金融监管分局发布批复称，《中国光大银行（601818）西安分行关于李祥任职资 格核准的请示》（光银西安字〔2025〕149号）收悉。经审核，现批复如下： 一、核准李祥光大银行咸阳分行副行长任职资格。 ...

中国青年报客户端讯（中青报·中青网记者 贾骥业）在近日举行的"2025算力互联网大会"上，中国光大 银行、中国信息通信研究院共同发布了《商业银行算力发展研究报告》（以下简称"报告"）。报告指 出，商业银行算力投入与竞争力呈现显著正相关性，并显现出边际效益递减规律。 报告提到，银行进行算力建设初期，算力投入对银行竞争力的提升作用较为显著，投资回报率较高；随 着算力投入规模的扩大，边际效益开始逐步递减，单位投入带来的竞争力提升幅度逐渐缩小；当投入超 过一定规模时，部分银行可能面临资源难以良好利用的问题，导致出现投入难以有效转化为竞争优势的 现象。这种趋势并不代表商业银行提升算力投入规模，将一定面临竞争力提升作用的削弱，而是代表着 商业银行在一个阶段发展到中后期，在提升算力投入对竞争力的拉动作用开始减弱时，更应该寻求新技 术应用或业务突破，以打开发展的新阶段。 报告认为，银行基本业务、智能化转型等均对商业银行提出算力发展需求，而绿色算力是商业银行响应 国家战略、履行环境责任、推动可持续发展的关键路径。 近年来，在政策驱动、环境保护与能源安全等因素共同推动下，银行从高能耗算力向绿色低碳模式演 进。商业银行与绿色算力发 ...

一个明显的趋势是：2025年，银行收到的大罚单变多了，折射出银行业在高质量发展转型期面临的合规 短板与风险痛点。 据企业预警通统计，2025年，央行、金融监管局、外管局等共针对银行机构及从业人员开出454张百万 元以上的大额罚单，较上年增加58张，其中大额罚单罚没金额较上年上升幅度较大，增幅接近100%。 这一趋势，需要银行业机构予以重视。 值得关注的是，从2025年银行违规领域看，主要集中在信贷业务、反洗钱业务、内控制度等。相较上 年，反洗钱业务违规罚单数量增量最为突出，达894张，增幅达185.09%。 为了帮助各位从业者从中找到更多启示，轻金融根据企业预警通数据，对罚没金额500万元以上的罚单 进行分类解读，以期供行业参考，为2026年及未来发展规避风险。 需要说明的是，这些罚单与数据不是"负面清单"，而是"改进指南"，唯有提升合规能力、正视问题、精 准补短板，才能在监管常态化的背景下实现稳健发展。 首先，来看2025年披露的罚没金额超过2000万元的罚单，共12个。 这一金额区间的罚单，最常见的是传统业务（贷款、票据）的合规管理漏洞及监管数据报送问题，反映 出在基础业务风控和监管配合上的不足；其他高频 ...

在社会融资成本不断降低的大背景下，国内银行业正在进行一场融资"省钱"大赛！ 2025年成为银行可转债退出大年，优先股也同步被银行赎回，仅2025年12月，就有5家银行先后完成或 披露优先股赎回相关安排，叠加此前工商银行、中国银行、兴业银行及宁波银行赎回操作，去年有9家 银行赎回优先股；与此同时，作为"平替"融资渠道的永续债则陆续上路。2025年11月10日，工商银行在 银行间债券市场完成400亿元无固定期限资本债券（永续债）发行，票面利率为2.21%。截至去年底， 已有22家银行完成永续债发行，合计募资2923亿元，涵盖国有大行、股份制商业银行、城农商行、民营 银行。 "银行密集发行永续债主要源于资本补充的迫切需要，随着信贷资产扩张和风险加权资产上升，商业银 行尤其是中小银行普遍面临资本充足率下滑的压力，亟须通过发行二级资本债和永续债补充其他一级资 本和二级资本。而且用永续债替代优先股、可转债，在利率上每年至少可省3%。"博通咨询首席分析师 王蓬博对《华夏时报》记者表示。 一面退出，一面发新 岁末年初，银行业上演了一出赎回优先股、发行永续债的"大戏"。 2025年12月26日，长沙银行发布公告，该行于2019 ...

截至2025年12月26日收盘，光大银行（601818）报收于3.51元，较上周的3.56元下跌1.4%。本周，光大 银行12月22日盘中最高价报3.56元。12月24日盘中最低价报3.49元。光大银行当前最新总市值2062.09亿 元，在股份制银行板块市值排名6/9，在两市A股市值排名69/5181。 以上内容为证券之星据公开信息整理，由AI算法生成（网信算备310104345710301240019号），不构成 投资建议。 本周关注点 公司公告汇总：光大银行与光大金瓯签订30亿元资产转移类交易额度协议 公司公告汇总 中国光大银行于2025年12月26日与光大金瓯签署协议，为其核定人民币30亿元资产转移类累计交易额 度，有效期三年，单笔及每年累计不超过人民币10亿元。光大金瓯为控股股东光大集团的附属公司，构 成关连人士，本次交易属于持续关连交易。交易定价遵循市场原则，采用公开招标、竞价或拍卖方式确 定价格，不优于其他同类业务。该事项需遵守年度申报、公告及审核规定，豁免独立股东批准。 ...

Core Insights - The article emphasizes the transformation of financial institutions, particularly through mobile banking, as a key platform for enhancing service experience, security, and convenience, marking a shift from traditional transaction processing to comprehensive financial service platforms [1][2] Group 1: Mobile Banking Evolution - China Everbright Bank has launched the 13.0 version of its mobile app, focusing on wealth management, retirement finance, retail credit, and credit cards, with a goal of connecting users to a better life [1][2] - The new app design is centered around user needs, restructuring the homepage into five main modules: Home, Borrowing, Wealth, Activities, and My Account, indicating a fundamental shift from a bank-centric to a user-centric service logic [2] Group 2: Wealth Management Focus - The retail asset management scale of China Everbright Bank has surpassed 3.15 trillion yuan, with wealth management products reaching 1.89 trillion yuan, showcasing its robust capabilities in providing a reliable wealth management platform [3] - The app's wealth management section emphasizes the "Sunshine Wealth" brand, focusing on trust, security, and professionalism, while introducing the "Four Types of Money" asset allocation concept to guide users in financial planning [3][7] Group 3: Retirement Financial Services - The bank has upgraded its mobile banking features to address the growing demand for diverse retirement solutions, transitioning from a single product sales approach to a comprehensive "finance + ecosystem" service model [5][6] - The app includes dedicated sections for retirement finance and personal pensions, offering a one-stop service that aligns with the national multi-pillar pension system, enhancing the planning of future retirement funds [6] Group 4: User-Centric Innovations - The 13.0 version of the app includes a "Simplified Love" version tailored for elderly users, improving usability through optimized design and simplified processes, thereby lowering barriers for older customers to access digital financial services [6][7] - The bank's initiatives reflect a commitment to redefining the relationship between banks and users in the digital economy, positioning itself as a co-creator of value and an enabler of a better life [7]

Group 1 - The banking sector experienced a slight decline of 0.01% on December 31, with Ping An Bank leading the drop [1] - The Shanghai Composite Index closed at 3968.84, up 0.09%, while the Shenzhen Component Index closed at 13525.02, down 0.58% [1] - Major banks such as CITIC Bank and Shanghai Pudong Development Bank saw positive price movements, with CITIC Bank increasing by 1.05% to 7.70 and Shanghai Pudong Development Bank rising by 0.40% to 12.44 [1] Group 2 - The net inflow of main funds in the banking sector was 177 million yuan, while retail funds saw a net inflow of 25.68 million yuan [1] - Retail investors showed a mixed response, with significant outflows from major banks like Ping An Bank and Minsheng Bank, while some smaller banks attracted retail inflows [2] - The data indicates that institutional investors favored certain banks, as seen in the net inflow percentages for banks like CITIC Bank and Shanghai Pudong Development Bank [2]

Core Viewpoint - The recent meeting of the Inner Mongolia Autonomous Region's 11th Committee emphasized the "1571" work deployment, which is crucial for the long-term development of Inner Mongolia, and highlighted the importance of financial institutions like Everbright Bank in supporting regional economic growth [1][3]. Group 1: Economic Development Initiatives - The "1571" work deployment includes the construction of "two bases," focusing on energy and strategic resources, as well as agricultural and livestock product industries, with Everbright Bank providing comprehensive financial services to large energy enterprises [2]. - The bank has been actively involved in supporting the dairy industry chain, offering financial support from upstream ranch construction to downstream sales networks, facilitating the transition of Inner Mongolia from a major agricultural region to a strong agricultural region [2]. Group 2: Environmental and Social Responsibility - Everbright Bank is committed to developing green finance, supporting ecological protection, pollution prevention, and energy-saving projects, contributing to environmental sustainability in the region [2]. - The bank promotes a "cloud payment" service platform, extending its services to various public welfare sectors, effectively addressing the urgent needs of millions of residents in Inner Mongolia [2]. Group 3: Future Directions - Moving forward, Everbright Bank aims to align its operations with the spirit of the recent regional committee meeting, leveraging its 15 years of experience in Inner Mongolia to contribute to the region's modernization efforts [3].

Group 1 - The core viewpoint of the article highlights the administrative penalties imposed on Everbright Bank's Longyan branch due to inadequate pre-loan investigations and post-loan management for personal business loans, as well as insufficient verification of the source of down payments for personal housing loans [1][3] - The Longyan Financial Regulatory Bureau has fined Everbright Bank's Longyan branch a total of 1.15 million yuan for these violations [1][3] - A warning was issued to an individual named Wang Chengjing, who is associated with the violations at the bank [1][3]

Group 1 - The core viewpoint of the article highlights the administrative penalties imposed on Everbright Bank's Longyan branch due to inadequate pre-loan investigations and post-loan management for personal business loans, as well as insufficient verification of the source of down payments for personal housing loans [1][3] - The Longyan Financial Supervision Bureau has fined Everbright Bank's Longyan branch a total of 1.15 million yuan for these violations [1][3] - Additionally, a warning was issued to an individual named Wang Chengjing, who is associated with the violations [1][3]