会议还审议并通过《关于聘任汪永奇先生为中国光大银行股份有限公司副行长的议案》《关于变更本行 联席公司秘书的议案》等。董事会同意聘任汪永奇为副行长，其副行长职务自其任职资格获金融监管总 局核准之日起生效。董事会同意由杨小慧接替李美仪担任联席公司秘书，杨小慧自董事会决议通过之日 起正式履行本行联席公司秘书的职责。 2月11日金融一线消息，光大银行今日发布第十届董事会第四次会议决议公告，会议审议并通过《关于 聘任杨文化先生为中国光大银行股份有限公司副行长兼首席合规官的议案》，董事会同意聘任杨文化为 副行长兼首席合规官。其副行长兼首席合规官职务自其任职资格获国家金融监督管理总局核准之日起生 效。 简历显示，杨文化先生现任中国光大银行党委委员，光大科技有限公司党委书记、董事长、总经理。 2006年加入中国光大银行，历任信贷审批部总经理助理、副总经理，资产保全部总经理，特殊资产经营 管理部总经理，法律合规部总经理兼问责委员会办公室主任。曾任中信实业银行公司银行业务总部综合 管理部副总经理、风险政策部副总经理，中国光大银行股份有限公司（欧洲）非执行董事。获经济学硕 士学位，经济师。 简历显示，杨文化先生现任中国光大银行党委 ...

Core Viewpoint - A recent civil judgment revealed that a bank, specifically China Everbright Bank, was found liable for improper sales of trust products, leading to significant investor losses [1][7]. Group 1: Case Details - Investor Mr. Geng invested 3 million yuan in a coal industry trust product and only recovered approximately 1.6387 million yuan, resulting in a loss exceeding 45%, amounting to 1.36 million yuan [1][3]. - The Shanghai Financial Court ruled that the bank must bear 20% of the loss compensation due to its violation of sales regulations [1][3]. Group 2: Legal Proceedings - The first-instance court identified three main issues: whether the bank acted as an agent in sales, whether it violated investor suitability obligations, and how to determine compensation responsibility [3][9]. - The court concluded that the bank failed to conduct any risk assessment before recommending the product to Mr. Geng, thus holding it partially responsible for the investment loss [3][9]. Group 3: Compensation and Appeals - The first-instance judgment ordered the bank to compensate Mr. Geng 272,514.17 yuan within ten days, while rejecting his other claims [4][10]. - Both parties appealed the first-instance ruling, but the Shanghai Financial Court upheld the original decision, confirming the facts and legal application were correct [5][11].

Core Viewpoint - The integration and exit of village banks by joint-stock banks are accelerating, marking a shift from rapid expansion to a new phase of "precision and specialization" in the industry [2][5][10] Group 1: Company Actions - Everbright Bank has completed the exit of all three of its village banks within three months, achieving a total "zero" status for its village bank holdings [3][7] - Shanghai Pudong Development Bank (SPDB) is actively pursuing the "village to branch" model, having exited two village banks in early February 2026, making it the most frequent institution in terms of exits among joint-stock banks [1][8] - By February 11, 2026, SPDB had reduced its number of village banks from 28 to approximately 13, with 15 exits occurring between 2025 and 2026 [8][9] Group 2: Industry Trends - The development stage of village banks is transitioning from scale expansion to a focus on high-quality development, as indicated by government reports advocating for market-oriented and legal principles in the risk management and transformation of local financial institutions [2][5] - Over 230 village banks underwent restructuring through mergers, "village to branch" transitions, and bankruptcies in 2025, driven by state-owned banks, joint-stock banks, and local financial forces [5][9] - The integration of village banks by joint-stock banks is part of a broader industry trend, with significant differences in attitudes and cleaning rhythms among the 12 national joint-stock banks [6][9] Group 3: Financial Performance - Despite achieving profitability in 2024, the performance of the three village banks under Everbright Bank showed divergence in 2025, with one bank reporting a loss of 116.88 thousand yuan in the first half of the year [4][9] - Minsheng Bank, which has retained a broad layout of 29 village banks, reported a total asset decrease of 3.18 million yuan by mid-2025, indicating a slight decline in both deposits and loans [9] Group 4: Future Outlook - The future of village banks is expected to evolve towards a more concentrated, specialized, and higher-quality direction, driven by regulatory guidance and strategic adjustments from banks [10]

中国经济网北京2月11日讯 日前，中国裁判文书网公布的一则二审民事判决书，揭开了中国光大银行（601818）违规代销信托产品的隐秘一角。一位投资者 斥资300万元认购该行推介的煤炭产业信托，最终仅收回本金163.87万余元，亏损幅度超45%、金额高达136万余元。 通过案号的对比，可以发现涉案银行为中国光大银行，涉案信托产品为"长安信托·煤炭资源产业投资基金3号"。法院终审判决认定，作为代销机构的光大银 行存在违规销售行为，需承担20%的损失赔偿责任，即赔付投资者近27.3万元。 上海金融法院民事判决书【（2025）沪74民终1080号】显示，耿某在某银行市东支行处经某银行市东支行工作人员推荐，认购《某信托·煤炭资源产业投资 基金3号集合资金信托计划》，签署《某信托·煤炭资源产业投资基金3号集合资金信托计划认购风险申明书》。同日，耿某向某国际信托公司汇款300万元， 附言："耿某认购长安楼俊项目"。某国际信托公司合计向耿某分配信托收益285,000元，分配信托本金1,637,429.14元。 2015年10月27日，中国银行业监督管理委员会上海监管局出具银监发〔2015〕169号《上海银监局关于某银行上海分行 ...

（原标题：宣布了！多家银行招收催收人员） 近日，光大银行发布招聘启事，其中有对贷款业务催收人员的招募。据悉，几日前，湖南三湘银行也发 布招聘信息称，面向全国范围内招聘各类人才，其中便包含高级催收人员。 据悉，对比以往催收机构对人员招聘无学历及经验等要求不同，银行招收催收人才对学历及相关经验做 出明确要求。业内认为，此有助于规范催收业务，提升银行贷后管理工作质效。 多家银行招收催收人员 6月5日，光大银行官网发布社会招聘公告显示，本次招聘包含零售与财富管理部客户营运中心—贷款业 务电话催收岗，招聘人数为3人。 从招聘要求来看，应聘者需要具有本科及以上学历，专业不限；在原岗位工作表现良好，近3年考核结 论均为称职（或对等结论）及以上，且至少有一次良好（或对等结论）及以上；同时，还强调应聘人员 要具备抗压性等。 从招聘要求看，"高级催收管理人才"要具有大学本科及以上学历，法律、金融专业背景，有五年及以上 催收管理工作经验等。 "高级电催人才"要具有大学本科及以上学历，金融、法律、财会、经管等相关专业背景者优先；同时， 具备5年以上金融或者信贷行业相关催收工作经验等。 此外，5月29日，微众银行也发布招聘信息显示，拟 ...

据了解，微信信用卡还款平台已与超100家银行达成合作，为用户提供查账还款、账单分期、场景分期 等服务。 通过微信信用卡还款平台，用户可以同时申请多家银行的账单分期"国补"贴息，不同银行的贴息额度互 不占用。根据财政部近期发布的《关于优化实施个人消费贷款财政贴息政策有关事项的通知》，信用卡 账单分期还款已纳入财政贴息政策支持范围，每人在单个银行机构可享受的累计财政贴息金额上限为 3000元，年贴息比例为1个百分点，政策实施期限延长至2026年底。 北京商报讯（记者 董晗萱）2月10日，北京商报记者获悉，微信信用卡还款平台正式上线信用卡账单分 期"国补"贴息服务。农业银行、邮储银行、浦发银行、招商银行、民生银行、光大银行、建设银行共七 家银行首批接入，用户办理上述银行信用卡的账单分期还款时，可享受1个百分点的"国补"贴息，更多 银行正在陆续接入中。 对于符合贴息条件的分期订单，银行将自动调整分期手续费或将贴息返还至账户，用户无需额外申请操 作。以10000元分12期为例，在银行分期利率折扣优惠的基础上，叠加"国补"再减免1%利率，用户可节 省利息约50元。 ...

Core Viewpoint - China Everbright Bank emphasizes its commitment to supporting technological innovation and expanding domestic demand as part of its financial strategy, aligning with national economic goals for the upcoming years [5][12][13]. Group 1: Support for Technological Innovation - The bank has established a specialized financial system for technological innovation, focusing on key areas such as domestic substitution, self-control, and supply chain enhancement, which has improved its credit structure while promoting new productive forces [5][12]. - It aims to increase financial support for strategic emerging industries and future industries, including integrated circuits, aerospace, and embodied intelligence, to provide high-level, comprehensive financial services to leading technology enterprises [13]. Group 2: Expansion of Domestic Demand - The bank has developed six distinctive services, including "Cloud Payment" and "Sunshine Wealth," to enhance consumer spending and support the construction of a modern industrial system, contributing to a strong market driven by domestic demand [5][12]. - It plans to align with national regional development strategies to bolster key industries in areas like the Guangdong-Hong Kong-Macao Greater Bay Area, Yangtze River Delta, and Beijing-Tianjin-Hebei, addressing financial needs related to industrial transfer and upgrading [13]. Group 3: Future Outlook - Looking ahead to 2026, the bank will continue to implement the "14th Five-Year Plan" and accelerate the transition from top-level design to coordinated implementation in building a financial powerhouse [6][13]. - The bank is committed to supporting the construction of a unified national market and enhancing consumer confidence through its specialized services, contributing to the successful completion of key economic tasks and the advancement of Chinese-style modernization [13].

Core Viewpoint - The A-share market saw a broad increase in bank stocks, with Shanghai Bank, Construction Bank, CITIC Bank, Minsheng Bank, Bank of Communications, and Zheshang Bank all rising over 1% [1] Group 1: Stock Performance - Shanghai Bank (601229) increased by 1.82%, with a total market capitalization of 142.8 billion and a year-to-date decline of 0.50% [2] - Construction Bank (601939) rose by 1.58%, holding a market cap of 2,354.4 billion, and has a year-to-date decline of 3.02% [2] - CITIC Bank (601998) saw a rise of 1.47%, with a market cap of 421.8 billion and a year-to-date decline of 1.56% [2] - Minsheng Bank (600016) increased by 1.27%, with a market cap of 174.3 billion and a year-to-date increase of 3.92% [2] - Bank of Communications (601328) rose by 1.19%, with a market cap of 602.6 billion and a year-to-date decline of 5.93% [2] - Zheshang Bank (601916) increased by 1.01%, with a market cap of 82.4 billion and a year-to-date decline of 1.32% [2] Group 2: Additional Bank Performance - Chongqing Rural Commercial Bank (601077) rose by 0.91%, with a market cap of 75.6 billion and a year-to-date increase of 6.49% [2] - Everbright Bank (601818) increased by 0.90%, with a market cap of 198.5 billion and a year-to-date decline of 0.78% [2] - Nanjing Bank (6000009) rose by 0.89%, with a market cap of 140.5 billion and a year-to-date decline of 0.61% [2] - Lanzhou Bank (001227) increased by 0.86%, with a market cap of 13.4 billion and a year-to-date increase of 3.46% [2] - Postal Savings Bank (601658) rose by 0.77%, with a market cap of 626.9 billion and a year-to-date decline of 2.05% [2] - Agricultural Bank (601288) increased by 0.75%, with a market cap of 2,365.9 billion and a year-to-date decline of 11.98% [2] - Bank of China (601988) rose by 0.74%, with a market cap of 1,746.4 billion and a year-to-date decline of 5.41% [2] - Qingdao Bank (002948) increased by 0.72%, with a market cap of 32.5 billion and a year-to-date increase of 24.78% [2]

Core Viewpoint - The event held in Hunan aimed to enhance financial risk awareness among residents, particularly vulnerable groups, by integrating traditional cultural elements with modern financial education [1][11]. Group 1: Event Overview - The event took place on February 7, coinciding with the Lunar New Year, and was themed "Ink and Calligraphy Celebrating the New Year, Financial Safety" [1]. - It focused on educating residents about the risks of illegal financial activities, especially during a period of high financial activity and potential scams [3][13]. Group 2: Target Audience and Content - The event specifically targeted elderly individuals and community families, who are often more susceptible to financial fraud [3][13]. - Topics covered included prevalent scams in the areas of elder financial fraud, virtual currency speculation, and illegal agency rights protection [3][13]. Group 3: Innovative Approach - Unlike traditional one-way communication, the event utilized an interactive and relatable approach, featuring calligraphy displays that combined cultural elements with financial safety messages [5][15]. - Special spring couplets created during the event served as both cultural gifts and tools for spreading financial safety awareness [5][15]. Group 4: Community Engagement - Eight financial institutions set up public consultation booths, where staff and volunteers provided face-to-face advice on rational investment and identifying financial scams [7][17]. - The consultations aimed to make complex financial legal knowledge accessible and practical for everyday life, enhancing the public's ability to recognize and prevent financial risks [7][17]. Group 5: Feedback and Future Plans - Participants expressed appreciation for the combination of traditional culture and modern financial knowledge, finding it memorable and engaging [21]. - The organizers plan to continue innovating educational methods tailored to different community groups, aiming to solidify financial legal knowledge and enhance community protection against financial risks [21].

Core Insights - The report focuses on fixed income + products issued by wealth management companies, highlighting superior performing products available for investors through distribution channels [1] - A ranking of products is provided based on their annualized performance over the last month, three months, and six months, with a particular emphasis on the three-month annualized yield to reflect their performance amid recent market fluctuations [1] Distribution Channels - The report includes a list of 28 distribution institutions, which consist of major banks such as Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, and others [1] Product Performance - The ranking showcases various products with their respective annualized yields, indicating the performance metrics over different time frames, such as 2.64% for one month and 9.11% for three months for a specific product [5] - The data is sourced from the South Finance Financial Terminal, with statistics as of February 5, 2026, providing a snapshot of the current market offerings [5][10]