在小蔡与郭奶奶的交流过程中，支行大堂经理也察觉到了情况不对劲，于是上前与小蔡一起进一步向郭 奶奶询问核实。在两人的耐心沟通下，郭奶奶终于说出实情。原来这笔现金是"旅游费"，郭奶奶一边拿 出一张发票给大堂经理看一边说："这笔费用是交给开票的这个公司，存钱到这家公司每个月有利息， 还可以免费赠送一个月的旅游。"询问核实过程中，郭奶奶还接到开票公司工作人员打来的电话，对方 教她谎报用途并指导她到其他银行网点支取现金。此时，小蔡和大堂经理更加确信老人遇到了电信诈 骗。于是，小蔡立即呼叫营运主管，大堂经理继续与郭奶奶沟通，了解详细情况。 为避免客户遭受财产损失，营运主管立即启动应急预案，果断拨打报警电话。等待过程中，大堂经理一 直为郭奶奶讲解近期发生的各类诈骗案例。然而，郭奶奶对支行工作人员的询问十分抵触，始终坚持要 取款，场面一度僵持不下。 不久，附近派出所民警赶到现场，与支行工作人员一起向郭奶奶详细分析网络诈骗的手段和投资陷阱。 在民警和支行工作人员的耐心劝说下，郭奶奶终于意识到自己险些落入诈骗分子的圈套，最终放弃了取 款的想法，并对支行和警方及时出手相助表示衷心感谢。（胡琪） 编辑：穆皓 转自：新华财经 近日，年 ...

Core Viewpoint - The article promotes a romantic and personalized money transfer service offered by China Construction Bank, emphasizing the emotional connection and convenience of sending money as a form of expressing love [3][4]. Group 1: Service Features - The service allows users to customize their money transfer notifications with romantic themes, enhancing the emotional aspect of financial transactions [3][4]. - Users can participate in a promotional event where they can win a discount of 100 yuan by engaging with the transfer service [4][5]. Group 2: User Engagement - The article encourages users to log into the China Construction Bank app to complete their transfers and notify recipients, thereby increasing user interaction with the app [3][4]. - There is a call to action for users to follow the bank's official WeChat account to discover more features and promotions [5].

Core Viewpoint - The article emphasizes the importance of low-carbon initiatives and how individuals can participate in energy-saving activities through digital platforms, particularly focusing on the benefits of using the China Construction Bank's carbon account services [5][9]. Group 1: Low-Carbon Initiatives - The campaign runs from August 1, 2025, to September 30, 2025, promoting low-carbon behaviors and offering rewards for participation [2]. - Users can earn energy credits by engaging in low-carbon activities such as walking, using shared bicycles, and making digital payments [6][7]. Group 2: Digital Payment and Financial Products - Digital payments are highlighted as a convenient way to support environmental efforts, with specific rewards associated with credit card usage and online transactions [7]. - Various financial products, including funds and savings, are presented as options for users to grow their investments while contributing to ecological sustainability [8].

Group 1 - China Construction Bank launched the "Stabilizing Foreign Trade Support Package" to assist foreign trade enterprises in exploring diverse markets and enhancing risk resilience [1] - In the first seven months, Shandong Province's import and export reached 2.04 trillion RMB, a year-on-year increase of 7.3%, with exports at 1.24 trillion RMB (up 6.6%) and imports at 793.2 billion RMB (up 8.5%) [3] - The bank's Shandong branch has implemented various measures to support foreign trade and foreign investment, including international financing services and collaboration with overseas branches and insurance companies [4] Group 2 - The bank has facilitated over 10 billion RMB in cross-border financing and guarantees, with an international financing credit balance nearing 30 billion RMB, reflecting a 15% increase [4] - Approximately 15,000 foreign trade clients have been served, marking a 9% increase, with the bank leading in providing loans to foreign trade enterprises in the province [4] - Future plans include expanding financial services for foreign trade enterprises and conducting specialized promotional activities across the province [5]

Core Viewpoint - Multiple small and medium-sized banks in China have announced reductions in RMB deposit rates, with decreases ranging from 10 to 20 basis points, reflecting a response to previous rate cuts by larger commercial banks and the need to address downward pressure on net interest margins [1][5]. Group 1: Deposit Rate Adjustments - Jiangsu Bank and Nanjing Bank have adjusted their three-year fixed deposit rates from 1.85% to 1.75% [1]. - Highmi Hui Min Village Bank in Shandong has lowered the annual interest rates for personal fixed deposits of 6 months, 1 year, and 2 years by 10 basis points, while the rates for 3-year and 5-year deposits have been reduced by 20 basis points [2]. - Jilin Longtan Huayi Village Bank has also adjusted its deposit rates, lowering the annual interest rate for demand deposits from 0.2% to 0.15%, and reducing rates for various fixed deposit terms by 10 to 20 basis points [3]. - Zhejiang Shengzhou Ruifeng Village Bank and Jilin Baishan Hunjing Hengtai Village Bank have similarly announced reductions in deposit rates, primarily between 10 to 20 basis points [4]. Group 2: Market Context and Trends - The recent rate cuts by small and medium-sized banks are seen as a follow-up to earlier reductions by major banks, which included a maximum cut of 25 basis points [5]. - As of May, the six major banks have set their demand deposit rates at 0.05%, with three-year and five-year deposit rates at 1.25% and 1.3%, respectively [5].

Core Viewpoint - Multiple small and medium-sized banks in China have announced reductions in RMB deposit interest rates, with decreases ranging from 10 to 20 basis points [1][8]. Summary by Sections Deposit Rate Adjustments - Jiangsu Bank and Nanjing Bank have adjusted their three-year fixed deposit rates from 1.85% to 1.75% [2][3]. - Jilin Longtan Huayi Village Bank has lowered its interest rates for various deposit terms, with the three-year and five-year rates down by 20 basis points [5]. - Shandong Gaomi Huimin Village Bank has also reduced its rates for personal fixed deposits across multiple terms, with three-year and five-year rates down by 20 basis points [6]. Market Trends - The recent rate cuts by small and medium-sized banks are seen as a follow-up to earlier reductions by major commercial banks, which had cut rates by up to 25 basis points [8][9]. - The current interest rates for major banks are 0.05% for demand deposits and 1.25% and 1.30% for three-year and five-year fixed deposits, respectively [9]. Implications for Investors - According to a researcher from China Postal Savings Bank, the downward pressure on deposit rates is expected to continue, prompting residents to consider their investment experience, capabilities, and risk preferences to achieve better returns [8].

Core Viewpoint - Jiangsu Bank is actively promoting green finance to support the province's transition to a low-carbon economy, with significant growth in green loans and a commitment to enhancing financial services for sustainable development [1][9]. Policy System Improvement - Jiangsu Financial Regulatory Bureau is implementing a green finance regulatory policy framework, focusing on enhancing financial supply in key areas and optimizing green finance service mechanisms [2]. - A self-assessment of green finance policy implementation was conducted among 121 banking and insurance institutions, leading to the development of improvement plans [2]. Mechanism Construction - Local banks are integrating green finance into their strategic frameworks, with boards of directors overseeing the implementation of green finance strategies [3]. - Major banks have set specific green finance development goals, with significant new green loan issuances reported, such as 1,591 million yuan from ICBC Jiangsu Branch [3]. Professional Capability Enhancement - Banks are establishing specialized departments and mechanisms to manage green finance, with over a hundred dedicated institutions in the region [4]. - Differentiated credit policies are being implemented to restrict funding for high-energy-consuming projects, while promoting green industries [4][5]. Diverse Product and Service Offerings - Banks are innovating green financial products, including loans linked to carbon performance and ecological product values [6]. - Various financing tools are being offered to support enterprises in raising funds for green projects, including green bonds and asset-backed securities [6]. Effective Process Management - A comprehensive risk management framework is in place, ensuring strict adherence to environmental and social governance standards during the lending process [7]. - Financial technology is being utilized to enhance the effectiveness of risk management in green finance [7]. Strong Support in Key Areas - Banks are focusing on critical areas such as ecological protection, pollution prevention, and achieving carbon neutrality goals, with substantial loan growth reported in these sectors [8][9]. - Specific loan amounts have been allocated for projects aimed at environmental restoration and clean energy development, demonstrating a commitment to sustainable financing [8][9].

"这哪里是只是办业务，这是把温暖送到我们家了啊！"握着建行盐城滨海支行营业部网点负责人的手， 新滩盐场的李先生声音哽咽，难掩激动。李先生瘫痪在床的老母亲的社保卡一直未能激活，原本以为是 一道无法逾越的坎，没想到，该行的工作人员竟驱车一个多小时，将"柜台"搬到了母亲的病榻前。 事情要从几天前说起，8月20日，李先生来到建行滨海支行营业部，满面愁容地咨询社保卡激活事宜。 他母亲已九十多岁，因脑梗瘫痪在床多年，社保卡始终未能激活。最近接到通知，有一笔补助要发放到 这张卡上，而按规定激活必须本人到银行办理——这让李先生一筹莫展。母亲不仅生活无法自理，连起 身都极其困难。网点负责人了解情况后，当即表态："您别着急，像您母亲这样的特殊情况，我们可以 申请流程，提供上门服务。" 第二天一早，网点工作人员反复清点所需设备和材料，确认每一个步骤，生怕遗漏任何细节。随后，他 们与李先生一同驱车前往新滩盐场。一个多小时的车程，窗外的风景从城市渐次退去，转为乡村的宁 谧。 抵达李先生家，简陋的屋子收拾得干净整洁。老人躺在床上，意识清楚，却已无法动弹。工作人员没有 犹豫，立即拿出移动终端，半跪在床边，耐心引导老人配合操作。"奶奶，您看 ...

该笔业务不仅有效帮助客户盘活存量资产、优化债务结构，缓解资金压力，更深化了银企合作关系。作 为全行首笔资产收益支持贷款，该业务是分行践行金融创新、服务实体经济的典型案例。下一步，盐城 分行将加快复制推广成功经验，深挖客户需求，持续提升在资产盘活领域的市场竞争力，为全年资产业 务发展注入新动能。 一是快速响应部署，精准对接客户需求。总行7月18日发布"资产收益支持贷款"创新产品后，分行立即 组织专题学习，在全辖范围内开展客户需求摸排。获悉A投资控股集团有限公司的资产盘活需求后，迅 速锁定目标客户，为业务开展奠定基础。二是专业团队协作，高效完成方案设计。盐城分行公司部与开 发区支行组建联合服务团队，通过深入调研客户痛点，快速完成授信方案设计、项目评估测算及申报材 料撰写等关键环节，并在第一时间上报省分行审批。三是畅通审批通道，快速实现首笔落地。在业务推 进过程中，积极协调江苏省分行公司部、审批部及放款中心，获得上级行大力支持，开通审批绿色通 道，仅用2个工作日即完成授信审批，于7月30日成功实现首笔投放。 近日，建设银行盐城分行成功落地全行首笔资产收益支持贷款，该业务通过创新金融产品为A投资控股 集团有限公司盘活 ...

8月28日，2025"银行家论道"研讨会暨中国银行业排行榜200强发布会成功举办，本次会议由清华大学五道口金融学院 《清华金融评论》编辑部主办，北京清控金媒文化科技有限公司承办，主题为" 拥抱AI技术变革，服务实体经济—— 以金融提质增效助力经济高质量发展 "。本次发布会邀请行业资深专家和各大银行领导嘉宾围绕数智化发展、AI赋能 金融等话题进行交流分享。 在排行榜发布的同时，也颁发了" 紫荆奖 "和" 2025中国银行业创新发展优秀案例 "。"紫荆奖"是依据客观数据以及银 行综合表现进行综合评选得出，获奖银行机构28家。"中国银行业创新发展优秀案例"是对提交的公开征集案例中遴选 的优秀样本进行表彰，获奖银行机构41家。 扫描下方二维码查看完整报告 会议上，清华大学五道口金融学院党委委员、院长助理，《清华金融评论》执行主编 张伟 代表主办方致辞，中国金 融学会副会长，国家开发银行原行长 欧阳卫民 做主旨演讲。 AI浪潮席卷金融行业，技术革新重构银行服务边界与业务逻辑。面对挑战与机遇，银行经营管理亟待以"智"破局。中 国金融学会副会长，国家开发银行原行长 欧阳卫民 ，中国工商银行现代金融研究院院长助理，党委深改办 ...