在金融供给侧改革深化与房地产风险化解协同推进的关键阶段，不良资产证券化正成为商业银行盘活存量、防控系统性风险的重要制度工具。11月27日， 渤海银行（9668.HK）在中国货币网披露《渤鑫2025年第一期不良资产支持证券发行说明书》，宣布发行总额2.9亿元的不良个人住房抵押贷款ABS，优先 档获中债资信与联合资信双AAAsf评级。 近期以来，建设银行（601939.SH）、中国银行（601988.SH）、民生银行（600016.SH）、中信银行（601998.SH）、招商银行（600036.SH）等多家银行 密集发行以不良个人住房抵押贷款为基础资产的资产支持证券。这些产品结构高度相似：优先/次级分层、固定利率、过手摊还，并依赖抵押物变现回收 支撑现金流。尽管基础资产均为"不良"状态，但评级机构普遍给予优先档较高信用等级，理由集中于抵押物类型单一（均为住宅）、一二线城市占比较 高、超额覆盖机制完善等。 这一动向背后，正值房地产市场持续承压、居民杠杆高企、按揭不良率缓慢抬升的宏观背景下。尽管监管层通过LPR调降、存量房贷利率下调等政策缓解 居民还款压力，但银行体系对不良资产的主动管理意愿明显增强。证券化正成为银行 ...

中国建设银行机构业务部原总经理黄曦已因受贿罪被判刑14年，并被最高法、最高检列为政商"旋转 门"受贿犯罪的典型案例。11月28日，"两高"联合发布依法惩治金融领域职务犯罪典型案例披露了该案 详情。 据典型案例披露，黄某在担任某国有银行部门总经理期间，利用职务上的便利，多次为请托人谋取利 益，在离职后到请托人实际控制公司工作，以"安家费""薪酬"等名义非法收受巨额财物，被法院以受贿 罪判处有期徒刑十四年。 白城市中级人民法院经审理认为，黄某在某国有商业银行任职期间，利用职务上的便利，以及职权、地 位形成的便利条件，为他人谋取利益，非法收受他人财物，其行为构成受贿罪。黄某受贿数额特别巨 大，鉴于其受贿犯罪中有未遂情节，归案后如实供述犯罪事实，主动交代办案机关尚未掌握的部分犯罪 事实，认罪悔罪，退缴全部赃款，依法可以从轻处罚。以受贿罪判处被告人黄某有期徒刑十四年，并处 罚金人民币四百万元。依法追缴犯罪所得及收益。宣判后，黄某提出上诉。吉林省高级人民法院裁定驳 回上诉，维持原判。 54岁"逃逸式离职"，在关系企业领高额"安家费" 据中央纪委国家监委驻中国建设银行纪检监察组、吉林省纪委监委2022年5月11日消息：中国 ...

【导读】"两高"联合发布金融领域职务犯罪典型案例 中国基金报记者晨曦 依法惩处政商"旋转门"受贿犯罪，最新通报来了！ 11月28日，最高人民法院、最高人民检察院联合发布6件依法惩治金融领域职务犯罪典型案例。其中提到，"黄某受贿 案"中，被告人以加入某公司获取"劳动报酬"的方式收受贿赂，是新型受贿政商"旋转门"的典型表现形式。此次案例中提 到，黄某被判有期徒刑14年，被处罚金400万元。 据悉，"黄某"即为建设银行机构业务部原总经理黄曦。自建行离职后，黄曦于2018年加入泰禾集团，担任执行副总裁。她 于2022年5月被查，同年11月被开除党籍。此前通报称，黄曦在职时"提前筑巢"、离职后"权力变现"，是银企"旋转门"式腐 败的典型。 首先来看该案的基本案情： 2016年1月至2018年7月，被告人黄某利用担任某国有商业银行资产管理部、机构业务部总经理职务上的便利，以及职权、 地位形成的便利条件，直接或者通过其他国家工作人员职务上的行为，为黄某森实际控制公司进入某国有商业银行特定客 户名单等事项提供帮助。黄某与黄某森约定，由黄某森先以"安家费"名义给予黄某部分费用，待黄某离职进入黄某森实际 控制公司后，再以"薪酬" ...

【 导读 】" 两高 " 联合发布金融领域职务犯罪典型案例 中国基金报记者 晨曦 依法惩处政商"旋转门"受贿犯罪，最新通报来了！ 11月28日，最高人民法院、最高人民检察院联合发布6件依法惩治金融领域职务犯罪典型案 例。其中提到，"黄某受贿案"中，被告人以加入某公司获取"劳动报酬"的方式收受贿赂，是 新型受贿政商"旋转门"的典型表现形式。此次案例中提到，黄某被判有期徒刑14年，被处罚 金400万元。 据悉，"黄某"即为建设银行机构业务部原 总经理黄曦 。自建行离职后，黄曦于2018年加入 泰禾集团，担任执行副总裁。她于2022年5月被查，同年11月被开除党籍。此前通报称，黄 曦在职时"提前筑巢"、离职后"权力变现"，是银企"旋转门"式腐败的典型。 来看详情—— 黄某受贿案 依法惩处政商"旋转门"受贿犯罪 首先来看该案的基本案情： 黄某受贿数额特别巨大，鉴于其受贿犯罪中有未遂情节，归案后如实供述犯罪事实，主动交 代办案机关尚未掌握的部分犯罪事实，认罪悔罪，退缴全部赃款，依法可以从轻处罚。以受 贿罪判处被告人黄某有期徒刑十四年，并处罚金人民币四百万元。依法追缴犯罪所得及收 益。宣判后，黄某提出上诉。吉林省高级人民 ...

| 2025 G-SIBs | G-SIBs 2012-2025 | | --- | --- | | | G-SIBs as of November 2025 allocated to buckets corresponding to | | | required levels of additional capital buffers | | | Compared with the list of G-SIBs published in 2024, two banks have moved to a higher bucket: Bank of America and Industrial and Commercial Bank of China have moved from bucket 2 to bucket 3. One | | | bank has moved to a lower bucket: Deutsche Bank has moved from bucket 2 to bucket 1. | | Bucket | C-2IB | | 5 (3.50%) | (Empty) | | 4 ( ...

Group 1 - The core viewpoint of the article highlights the innovative initiatives by China Construction Bank's Jiangmen branch in integrating digital financial services into various sectors, particularly focusing on the digital RMB and its applications in public services and education [2][3][4] - The Jiangmen branch has launched a "Smart Canteen System" that utilizes technology to enhance the efficiency of traditional canteen operations, providing a new approach for digital transformation in consumption scenarios [3][4] - The digital RMB fiscal distribution solution introduced by the bank aims to provide secure, efficient, and intelligent salary payment services for government departments, marking a significant step in the development of digital governance [2][4] Group 2 - The "Smart Canteen System" incorporates data analysis capabilities to create a fully digital management process, including online meal ordering, intelligent meal preparation, and facial recognition payment, thereby reducing food waste and improving service efficiency [4] - The system allows students to make payments through facial recognition without the need for physical cards or mobile phones, addressing common issues such as long queues and payment difficulties in traditional canteens [4] - The initiatives by the Jiangmen branch not only enhance the efficiency of fund circulation but also promote the digital transformation of management models, contributing to the digital development of the Guangdong-Hong Kong-Macao Greater Bay Area [4]

近日，建设银行在官网发布关于调整部分代销公募基金产品风险等级的公告。公告显示，共有87个代销 公募基金产品调整风险等级，其中，32个由"R2—中低风险"调整为"R3—中风险"；55个由"R3—中风 险"调整为"R4—中高风险"。 近日，建设银行发布公告，上调87个代销公募基金产品风险等级。此前邮储银行、中信银行等也均有此 操作。专家表示，此举是银行落实《商业银行代理销售业务管理办法》，通过动态风险评级实现"卖者 有责"，并非市场风险整体上升的信号。对投资者而言，短期或面临投资选择受限的情况，但长期利好 显著，风险提示更清晰，投资决策更理性，保护了低风险偏好群体。 多个公募基金产品风险等级被调高 实际上，对代销公募基金产品风险等级进行调整并非建设银行一家。南都湾财社记者查询发现，今年11 月6日和10月29日，邮储银行两次发布公告，对部分代销的公募基金风险等级进行了相关调整。其中， 10月29日对80个代销公募基金产品风险等级进行调整：52个产品风险等级由"中等风险"调整为"中高风 险"，25个产品风险等级由"中低风险"调整为"中等风险"，2个产品风险等级由"中高风险"调整为"高风 险"，1个产品风险等级由"低 ...

来源：齐鲁晚报 山东纳驰环境科技有限公司(以下简称"纳驰科技")是一家以生物技术为基础,致力于环境综合治理解决方 案,打造区域资源循环生态产业链的环保综合服务商。公司经过11年发展,构筑了以技术平台、产业平 台、服务平台为主的服务体系。公司深耕污水处理及垃圾处理行业十余年,打造了一系列标准化、智能 化、高效节能产品,广泛应用于城市无管网区域生活污水就地处理、城市黑臭水体控源截污等多个领 域。 2025年9月份,中国建设银行济宁分行到纳驰科技走访,了解到纳驰科技作为一家科技型企业,存在"轻资 产、缺抵押"的融资痛点后,便向纳驰科技总经理李兰英推荐了资金流信息平台。"当时建行的工作人员 让我们了解到了这一全国性的平台,可以通过跨行资金流水数据共享功能,让银行精准评估公司信用状况, 高效完成贷款审批。"李兰英介绍,在了解到该平台的便利性后,公司便决定通过资金流信息平台进行贷款 融资。"中国建设银行济宁分行工作人员还帮我们完成了平台操作,进行了身份验证、绑定资金账号,让我 们可以顺利通过平台对接融资服务。"李兰英笑着说。最后纳驰科技通过资金流信息平台成功获得500万 元授信额度,助力企业获得充裕资金用来购买原材料,扩 ...

Core Viewpoint - Major state-owned banks and some joint-stock banks in China have recently suspended the sale of 5-year large-denomination time deposits, with current offerings primarily focused on 1-month to 3-year products [1] Group 1: Bank Actions - Six major state-owned banks, including ICBC, ABC, BOC, CCB, BOCOM, and PSBC, along with several joint-stock banks, have withdrawn long-term deposit products [1] - Many small and medium-sized banks have also announced the suspension of 3-year and 5-year fixed deposit products while simultaneously lowering interest rates across various deposit terms [1] - The remaining large-denomination time deposits are mostly concentrated in 1-month, 3-month, and 3-year terms, with 3-year products becoming the primary long-term offering [1] Group 2: Interest Rate Trends - The interest rates for 3-year large-denomination time deposits generally range from 1.5% to 1.75%, with reports of "tight quotas" and "sold out" situations being common [1] - The average net interest margin for commercial banks has dropped to a historical low of 1.42% in Q3, reflecting the pressure on bank profitability [2] Group 3: Strategic Adjustments - The adjustments in long-term deposit products are a response to the narrowing net interest margin, aimed at alleviating profitability pressures [2][3] - The shift indicates a transition from a focus on scale expansion to a more refined approach that emphasizes the quality of liabilities [3] Group 4: Future Outlook - There is potential for further reductions in deposit rates as banks continue to adjust high-cost deposit products [4] - Investors are advised to monitor market dynamics closely, including LPR adjustments and regulatory changes, while diversifying their asset allocation based on risk preferences [4]

Core Viewpoint - The major state-owned banks in China have collectively removed five-year large-denomination time deposits, indicating a trend of declining long-term deposit products in the banking industry [1][2][4] Group 1: Changes in Deposit Products - The six major state-owned banks have eliminated five-year large-denomination time deposits, with only three-year products remaining, which have seen interest rates drop to between 1.5% and 1.75% [1] - The first bank to announce the cancellation of five-year time deposits was Tongyu County Mengyin Village Bank, which will stop offering this product starting November 5, 2025 [1] - Other banks, including at least seven private banks, have also begun to remove five-year time deposits, reflecting a broader trend in the industry [3][4] Group 2: Interest Rate Adjustments - The interest rates for various deposit products have been adjusted downwards, with one-year and two-year rates reduced by 5 basis points to 1.45% and 1.55%, respectively, and the three-year rate decreased by 10 basis points to 1.85% [3] - The adjustments are a response to the pressure on net interest margins faced by banks, as the yield on assets (like loan rates) is declining while the cost of liabilities (like deposit rates) remains rigid [2][4] Group 3: Industry Context and Implications - The banking industry is experiencing a "two-sided squeeze" where declining loan rates and high competition for deposits are pressuring net interest margins, leading to the reduction of long-term high-interest deposit products [4] - A survey indicated that 62.3% of urban depositors prefer to save more, a slight decrease from the previous quarter, suggesting a shift in savings behavior due to lower interest rates [4] - Analysts predict that while long-term deposits will not completely disappear, they will exhibit differentiated supply characteristics, with state-owned banks likely retaining five-year deposits as service tools but at potentially lower rates [5]