Core Points - The article highlights a heartwarming service experience at the CCB Linyi Xicheng Branch, where staff provided exceptional assistance to a hearing-impaired customer in renewing a social security card and using mobile banking services, embodying the "finance for the people" service philosophy [1][2] - The bank's staff adapted their communication methods to ensure effective interaction with the customer, utilizing written text, visual aids, and gestures to bridge communication gaps [1][2] - The service experience reflects the bank's commitment to inclusivity and accessibility in financial services, aiming to ensure that all customers, regardless of physical conditions, can enjoy quality financial services [2] Service Process - The staff recognized the communication barrier and quickly adjusted their approach, abandoning traditional verbal communication for written and visual methods [1] - During the information verification phase, staff meticulously wrote down key information and confirmed understanding through gestures, ensuring the customer comprehended each step of the process [1] - After completing the card renewal, staff proactively assisted the customer in downloading and logging into the mobile banking app, providing hands-on guidance for common functions like balance inquiries and fund transfers [1] Commitment to Inclusivity - The service experience is portrayed as a microcosm of the bank's daily operations, emphasizing its role as a social service provider and its responsibility to promote barrier-free services [2] - The bank plans to continue enhancing its service measures to ensure that every customer can access quality financial services conveniently and feel the warmth of financial support [2]

9月25日，工商银行、农业银行、中国银行、建设银行、交通银行集体发布公告，宣布公司 章程修订获监管核准，自核准之日起不再设立监事会，由董事会审计委员会依法承接监事会 职权。 交通银行同样发布相关公告，自2025年9月25日起不再设立监事会，由董事会审计委员会行 使监事会相关职权。现任监事王学庆、苏治、林至红、丰冰、颇颖不再担任监事及监事会相 关职务。 邮储银行也于近日发布公告表示，监事长、股东代表监事陈跃军到龄辞任。该行2025年第二 次临时股东大会会议资料显示，拟不再设立监事会及下设专门委员会，自公司章程获国家金 融监督管理总局核准之日起生效。 据不完全统计，目前已有20逾家银行披露公司治理架构改革计划，有银行已宣布监事团队人 员调整。业内人士认为，银行裁撤监事会有助于提升银行治理效率、精简公司治理结构、权 责更加清晰，同时也要防范监督独立性风险。 五家国有银行集体官宣取消监事会 邮储银行监事长日前已辞任 9月25日，国有五大行集体发布公告，宣布公司章程修订获核准以及不再设立监事会，由董 事会审计委员会依法承接监事会职权。 工商银行公告称，近日收到《国家金融监督管理总局关于工商银行修改公司章程的批复》。 自 ...

Core Viewpoint - The Central Commission for Discipline Inspection and National Supervisory Commission's inspection team is conducting on-site evaluations of disciplinary cases at the China Construction Bank's Xinjiang branch to enhance the quality of case handling and promote high-quality development in discipline inspection and supervision [1][2]. Group 1: Evaluation Mechanism - The inspection team has revised the "Case Quality Evaluation Standards and Scoring Details," focusing on five aspects: evidence, qualitative handling, procedural compliance, management norms, and execution, with 17 evaluation items and 76 scoring criteria [1][2]. - A comprehensive evaluation system has been established, incorporating online evaluations, on-site evaluations, and special evaluations to strengthen the foundation of case quality assessments [1]. Group 2: Evaluation Frequency and Findings - The frequency of evaluations for completed cases has increased from semi-annual to quarterly, allowing for regular monitoring and timely feedback [2]. - From July to August, the inspection team completed a second round of evaluations, identifying issues in qualitative handling and promoting corrective actions [2]. Group 3: Training and Guidance - The inspection team regularly summarizes evaluation results, addressing typical issues such as insufficient evidence and procedural non-compliance, and requires units to implement corrective measures [3]. - Annual training sessions are held for discipline inspection personnel, enhancing their professional capabilities and addressing common quality issues through targeted guidance materials [4]. Group 4: Future Directions - The inspection team aims to further deepen case quality evaluations and innovate evaluation methods to enhance the standardization and legal compliance of discipline inspection work across the organization [4].

Core Viewpoint - The bond market is experiencing intensified volatility and challenges, with banks facing difficulties in bond investments and adjusting their strategies accordingly [1][3][4]. Group 1: Market Conditions - The bond market is currently in a state of wide fluctuations, with the ten-year government bond yield oscillating between 1.85% and 1.9%, reflecting increased volatility [3]. - After the implementation of new tax regulations on bond interest, the attractiveness of bonds has decreased, leading to a potential reallocation of assets towards equities and other investments [2]. - In August, the trading volume of bonds declined significantly, with state-owned banks trading approximately 3.568 trillion yuan and joint-stock banks trading about 11.232 trillion yuan, marking a drop from previous months [2]. Group 2: Bank Performance - In the first half of the year, over 80% of A-share listed banks reported positive growth in investment income, with an average increase exceeding 45%, primarily driven by the realization of bond floating profits [5][6]. - Notably, the China Construction Bank achieved an investment income of 27.912 billion yuan, with a year-on-year growth exceeding 200%, significantly contributing to its revenue [6]. - However, many banks are experiencing a decline in non-interest income due to the challenging market conditions, with some reporting negative growth [4]. Group 3: Investment Strategies - Banks are adjusting their investment strategies in response to the volatile bond market, focusing on wave trading and increasing the use of derivative instruments for hedging [9][10]. - The Postal Savings Bank has adopted a more flexible asset-liability strategy, actively expanding its balance sheet to capture income opportunities amid market fluctuations [9]. - The overall sentiment among bank executives is cautious regarding the sustainability of investment income growth in the second half of the year [3][4].

Group 1 - The fund being launched is the "招商中证A50交易型开放式指数证券投资基金发起式联接基金" [25] - The fund is categorized as a contract-type open-end ETF linked fund [2] - The fund will be publicly offered from October 13, 2025, to October 31, 2025, with the possibility of adjustments based on subscription conditions [4][33] Group 2 - The fund is managed by 招商基金管理有限公司 and the custodian is 中国建设银行股份有限公司 [2][3] - The minimum subscription amount for the A class fund shares through direct sales is 500,000 RMB, while for non-direct sales, it is 1 RMB [3][42] - The fund has two classes of shares: A class, which charges subscription fees, and C class, which does not [27][36] Group 3 - The total amount of fund shares to be raised is no less than 1 million shares, with a total fundraising amount of at least 10 million RMB [31] - The fund's initial share price is set at 1 RMB [30][36] - Investors can subscribe multiple times during the fundraising period, but each subscription will be treated separately for fee calculations [42][43] Group 4 - The fund's sales institutions include both direct and non-direct sales channels [6][34] - Investors must ensure that the funds used for subscription are legally sourced and not borrowed [3][42] - The fund's effective subscription funds will earn interest during the fundraising period, which will be converted into fund shares for the holders [10][61]

Core Points - The article emphasizes the importance of financial education and awareness in enhancing the financial literacy of various community groups, particularly students and the elderly [1][2] - The activities organized by the bank aim to protect financial rights and contribute to a better quality of life through targeted financial knowledge dissemination [1] Group 1: Activities and Initiatives - The bank collaborated with local universities to conduct themed presentations focusing on common scams faced by students, such as "campus loans" and "customer service impersonation" [1] - Interactive methods like scenario simulations and Q&A sessions were employed to educate students on personal information protection, rational consumption, and legal rights [1] - Outreach efforts were also made in local markets to educate elderly clients and new residents about the dangers of illegal fundraising and pension fraud [1] Group 2: Impact and Future Plans - The activities effectively enhanced the understanding of financial knowledge among different groups, especially students with relatively low financial literacy [2] - The bank plans to continue exploring new methods and avenues for financial knowledge dissemination to contribute to a safe and stable financial environment in the community [2]

Investment Rating - The report maintains a recommendation for the banking industry [3] Core Insights - The report provides a comprehensive analysis of the asset-liability structure and interest margin changes of 42 A-share listed banks during the "14th Five-Year Plan" period, highlighting a shift towards corporate loans on the asset side and a stronger retail focus on the liability side [12][14] - The asset-liability structure indicates a significant increase in the proportion of corporate loans, rising from 57.02% to 63.22% from the end of 2020 to mid-2025, while the proportion of demand deposits decreased from 41.94% to 30% [12][14] - The report notes a decline in both asset yield and interest margin, with the yield on interest-earning assets dropping from 4.43% to 3.32% and the net interest margin decreasing from 2.23% to 1.53% during the same period [14][15] Summary by Sections Overall Asset-Liability Structure and Interest Margin Changes - The asset-liability structure shows an increase in loan-to-earning asset ratio from 54.19% to 56.49%, with corporate loans making up a larger share of total loans [14][15] - The average yield on interest-earning assets decreased significantly, with the loan yield falling from 5.34% to 3.82% [15] - The net interest margin for listed banks remains higher than that of commercial banks, despite a decline [14][15] Changes in Each Banking Sector's Asset-Liability Structure and Interest Margin - City commercial banks experienced a more significant increase in the proportion of corporate loans, with their interest margin narrowing less compared to other banks [18] - The report highlights that the proportion of deposits in interest-bearing liabilities for state-owned banks decreased, while it increased for rural commercial banks [18] - The decline in interest-bearing liabilities' cost rate was most pronounced in city commercial banks, leading to a smaller reduction in their interest margin [18]

【 导读 】 中国人寿党委委员、副总裁林朝晖兼任广发银行党委书记 中国基金报记者 嘉合 9月28日，据广发银行官微，该行于今日下午召开干部会议，中国人寿保险（集团）党委委员、副总裁林朝晖兼任广发银行党委书记。 公开资料显示，林朝晖，1974年出生，法学硕士学位，高级经济师。现任中国人寿保险（集团）公司党委委员、副总裁，中国人寿保险 （海外）股份有限公司董事长。 林朝晖拟任广发银行行长 据悉，在9月28日下午，广发银行干部任命大会落下帷幕，中国人寿保险（集团）公司党委书记、董事长蔡希良出席会议，本次会议宣布任 命中国人寿保险（集团）党委委员、副总裁林朝晖兼任广发银行党委书记，并拟任行长。 同时，因该集团分工调整，王凯不再兼任广发银行党委书记职务。广发银行同日公告， 董事会于2025年9月28日收到王凯先生提交的书面 辞呈。 王凯先生因集团分工调整， 请求辞去本行第十届董事会董事、 副董事长、 行长、 董事会战略/消费者权益保护委员会主任委员等 职务。 王凯先生确认与该行董事会和高级管理层无不同意见， 没有任何与辞任有关的事项需要通知本行股东。广发银行董事会对王凯先生 任职期间为本行做出的重要贡献表示衷心感谢。 ...

Core Viewpoint - The introduction of consumer loan interest subsidies by China Construction Bank (CCB) is significantly benefiting consumers, enhancing their purchasing power and stimulating the local economy in Guangdong province [1][2][8]. Group 1: Consumer Loan Interest Subsidy Program - CCB's Guangdong branch reported that from September 1 to 24, 2023, it added 5,833 new customers for personal consumer loans with a total subsidy amount of 103 million yuan [1]. - The subsidy program, effective from September 1, 2023, offers a 1% annual interest subsidy on eligible consumer loans, with a maximum subsidy cap of 3,000 yuan per customer [2][4]. - The program covers various consumer categories, including home appliances, automobiles, healthcare, and education, with specific limits based on loan amounts [4][5]. Group 2: Product Offerings and Consumer Engagement - CCB has developed a range of consumer loan products, including "Jianyi Loan," "Fangyi Loan," and "Yangyi Loan," each with a maximum loan amount of 1 million yuan and a minimum interest rate of 3.0% [7]. - The bank has established a dedicated team to facilitate the implementation of the subsidy program, ensuring effective communication and service delivery to customers [3]. - The user-friendly mobile banking platform allows customers to easily access subsidy information and apply for loans, enhancing customer experience [6]. Group 3: Economic Impact and Future Outlook - CCB's consumer loan initiatives align with national strategies to boost consumption, with the bank's personal consumer loan scale exceeding 50 billion yuan and over 42 billion yuan disbursed this year [8][9]. - The bank aims to continue innovating its consumer finance products and support the upgrading of consumer spending, contributing to the economic vitality of the Guangdong-Hong Kong-Macao Greater Bay Area [9].

Core Insights - The article highlights the significant impact of the personal consumption loan interest subsidy program initiated by China Construction Bank (CCB) in Guangdong Province, which has successfully attracted a large number of customers and boosted consumer spending [2][4][11] Group 1: Consumer Loan Subsidy Program - CCB Guangdong Province has seen a total of 5,833 new customers benefiting from the interest subsidy program, with a total loan amount of 103 million yuan issued from September 1 to 24 [2] - The subsidy program, effective from September 1, 2023, offers a 1% annual interest subsidy for personal consumption loans, with a maximum subsidy limit of 3,000 yuan per customer [4][7] - The program covers various consumption categories, including home appliances, automotive purchases, healthcare, and education, enhancing consumer access to financing [7][11] Group 2: Innovative Financial Products - CCB has introduced innovative products like "Yangyidai," which targets employees with pension contributions, allowing them to access loans for various elder care and travel needs [4][11] - The bank's product matrix includes "Jianyidai," "Fangyidai," and "Yangyidai," each with a maximum loan amount of 1 million yuan and a term of up to 7 years, with interest rates starting at 3.0% [11][10] - The "Kuaidai" product offers internet-based credit loans with a maximum limit of 300,000 yuan and a term of up to 3 years, with interest rates starting at 3.3% [10] Group 3: Implementation and Customer Experience - CCB has established a dedicated team to implement the subsidy program, ensuring effective communication and training across branches [5] - The bank has created a user-friendly mobile banking interface for customers to easily access subsidy information and apply for loans [8] - The subsidy is automatically applied to loan interest, simplifying the process for consumers and enhancing their experience [8][9] Group 4: Economic Impact and Future Outlook - CCB's efforts align with national strategies to boost consumer spending, with the bank's personal consumption loan scale exceeding 50 billion yuan and over 42 billion yuan disbursed this year [11][12] - The bank plans to continue advancing its consumer finance initiatives, focusing on product innovation and supporting consumption upgrades in the Guangdong-Hong Kong-Macao Greater Bay Area [12]