赋能"智慧农业"，支撑骨干企业构建产业生态 低空经济的价值，深深植根于与实体经济的融合。在农业领域，广州极飞科技股份有限公司以无人机为 支点，构建起覆盖农业全周期产品线。建行广州分行营业部通过高效对接，以1亿元的综合授信为起 点，为企业提供了坚实的金融支持，并持续深化合作，成为其重要的结算与合作银行。 转自：新华财经 作为战略性新兴产业，低空经济正成为广东发展新质生产力的重要引擎。在这场从地面向低空拓展的产 业变革中，中国建设银行广东省分行（以下简称"建行广东分行"）以国有大行的前瞻视野与金融担当， 精准滴灌产业链关键环节，为培育低空经济产业高地提供了坚实的金融支撑。 护航"未来出行"，助力飞行汽车驶入量产轨道 当汽车被赋予翅膀，人类的出行方式正迎来新变化。小鹏汇天集团作为国内飞行汽车领域的先行者，其 量产进程备受瞩目。然而，将前沿设计转化为规模化生产，离不开充足的资金保障。 面对企业建设飞行汽车量产工厂的迫切需求，建行广州分行迅速组建专项服务团队。团队深入一线，克 服了新兴行业的诸多挑战，在短短两周内创新完成了低空经济领域固定资产贷款的"三合一"申报流程。 通过高效协同，建行广州分行率先完成审批，成为全球飞 ...

发卡量大幅减少、分中心加速"退场"，近年来，信用卡行业正在迎来"瘦身潮"。 近日，中国人民银行发布的《2025年第三季度支付体系运行总体情况》显示，截至今年第三季度末，全 国共开立银行卡101.49亿张。其中，信用卡和借贷合一卡7.07亿张，较上季度减少800万张。 随着2024年7月政策过渡期结束，监管要求全面落地，各家银行都在积极调整发卡策略，主动清理低效 存量卡片。 再从上市银行2025年半年报看，今年上半年，工商银行（601398）信用卡累计发卡量1.48亿张，较上年 末减少200万张；交通银行（601328）境内行信用卡在册卡量6010万张，较上年末减少291万张；邮储银 行（601658）信用卡结存卡量3858万张，较上年末减少140万张。 同时，信用卡交易量也在持续收缩。其中，建设银行（601939）上半年信用卡总消费交易额1.30万亿 元，同比下降5.80%；交通银行信用卡累计消费额1.10万亿元，同比下降11.29%；招商银行（600036） 信用卡交易额2.02万亿元，同比下降8.54%。 除了发卡数量的明显减少外，信用卡业务的运营模式与组织架构也迎来了深度调整，具体体现为银行信 用卡分中 ...

Core Viewpoint - Recent tightening of banks' precious metals business coincides with a near return of international gold prices to previous highs, indicating a shift in risk management strategies within the banking sector [1][5]. Group 1: Price Movements - London gold spot prices reached a peak of $4,350 per ounce, just shy of the historical high of $4,381 per ounce [1]. - Gold prices have seen a cumulative increase of approximately 65% in the year, while silver and platinum have experienced even greater rises, with silver up 128% and platinum up 118% [6]. Group 2: Bank Policy Changes - Banks are increasingly tightening their policies on personal precious metals accounts, including the termination of agency relationships for long-term inactive accounts [1][3]. - Major banks like Industrial and Commercial Bank of China and China Construction Bank have announced plans to transfer balances from inactive accounts and close related business functions starting in December [3][4]. - The tightening measures began as early as March 2020, following the "oil treasure" incident, leading to a gradual withdrawal from high-risk leveraged products [5]. Group 3: Risk Management - Banks are enhancing risk management for precious metals investments by raising entry thresholds and risk ratings for various products, including increasing the minimum investment amounts and requiring additional risk assessments for investors [5][6]. - The adjustments also include a shift in risk ratings for accumulation gold products, which will be classified as medium risk, restricting conservative clients from participating [4]. Group 4: Regulatory Environment - The regulatory environment for commodity and precious metals trading is expected to become stricter, reflecting ongoing concerns about risk management in the banking sector [7].

截至2025年12月18日收盘，建设银行（00939）报收于7.52元，较前一交易日上涨1.21%，该股当日开盘 7.43元，最高7.54元，最低7.38元，成交额达18.2亿元。近52周最高8.35元，最低5.47元。 近日，中国建设银行股份有限公司发布境内优先股股息派发实施公告。公告显示，优先股代码为 360030，简称"建行优1"。本次派息每股现金人民币3.57元（含税），计息期间为2024年12月26日至 2025年12月25日。最后交易日为2025年12月24日，股权登记日与除息日均为2025年12月25日，股息发放 日为2025年12月26日。派息对象为截至股权登记日上海证券交易所收市后在中国证券登记结算有限责任 公司上海分公司登记在册的全体建行优1股东。按发行总量6亿股计算，合计派发现金股息人民币21.42 亿元（含税）。居民企业股东（含机构投资者）股息所得税由其自行缴纳，本行全额发放。股息由公司 自行发放。董事会于2025年10月30日审议通过本次派息方案，相关决议已在"披露易"网站及本行官网公 布。 《境内优先股股息派发实施公告》 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3 ...

证券之星消息，12月18日国有大型银行板块较上一交易日上涨1.99%，建设银行领涨。当日上证指数报 收于3876.37，上涨0.16%。深证成指报收于13053.98，下跌1.29%。国有大型银行板块个股涨跌见下 表： 从资金流向上来看，当日国有大型银行板块主力资金净流入3.99亿元，游资资金净流出2.08亿元，散户 资金净流出1.91亿元。国有大型银行板块个股资金流向见下表： 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。 ...

Market Overview - The Shanghai Composite Index rose by 0.16% on December 18, with 12 out of 28 sectors experiencing gains, led by the banking and coal industries, which increased by 1.97% and 1.89% respectively [1] - The power equipment and communication sectors saw the largest declines, with decreases of 2.22% and 1.58% respectively [1] Capital Flow Analysis - The main capital flow showed a net outflow of 32.578 billion yuan across the two markets, with 8 sectors experiencing net inflows [1] - The defense and military industry had the highest net inflow, totaling 2.29 billion yuan and a daily increase of 0.90%, followed by the banking sector with a net inflow of 927 million yuan and a daily increase of 1.97% [1] Banking Sector Performance - The banking sector increased by 1.97% with a total net inflow of 927 million yuan, comprising 42 listed companies, all of which saw gains [2] - Among the banking stocks, 27 experienced net inflows, with 9 stocks receiving over 50 million yuan; the highest inflow was for Industrial Bank at 157 million yuan, followed by Agricultural Bank and Bank of Communications with inflows of 137 million yuan and 116 million yuan respectively [2] - The stocks with the largest net outflows included Postal Savings Bank, Suzhou Bank, and Qingdao Bank, with outflows of 53.26 million yuan, 39.29 million yuan, and 15.34 million yuan respectively [2] Individual Banking Stocks Performance - Notable banking stocks and their performance include: - Industrial Bank: +2.25%, 157.19 million yuan inflow [2] - Agricultural Bank: +2.01%, 136.65 million yuan inflow [2] - Bank of Communications: +2.05%, 116.49 million yuan inflow [2] - China Construction Bank: +2.58%, 71.12 million yuan inflow [2] - Postal Savings Bank: +1.12%, 53.26 million yuan outflow [3]

Banking Sector - The banking sector experienced a rebound, with Shanghai Bank rising over 3% [3] - The average dividend yield for the banking sector is currently 5.2%, significantly higher than the 10-year government bond yield [8] - The sector is transitioning from "cyclical speculation" to a new phase of "allocation dividends," with a focus on high dividend investments [8] Retail Sector - Retail concepts strengthened, with Central Plaza and Shanghai Jiubai reaching their daily limit [3] - New World City, a major modern department store, is actively expanding its appeal to the "Z generation" consumer group [3] Commercial Aerospace Sector - The commercial aerospace sector saw a surge, with companies like Starry Technology and Shunhao Co. hitting their daily limit [5][9] - Starry Technology reported successful delivery of products for rocket launch ground equipment, with plans for mass production starting in 2026 [11] - Recent policies and technological advancements are expected to accelerate the development of the commercial aerospace industry in China [11][12] Pharmaceutical Sector - The pharmaceutical commercial sector continued its strong performance, with companies like Luyan Pharmaceutical achieving consecutive gains [5]

Banking Sector - The banking sector experienced a rebound, with Shanghai Bank and Chongqing Rural Commercial Bank both rising over 3% [7][9] - Recent reports indicate that listed banks are expected to see improved revenue and profit growth in 2026 and 2027, driven by narrowing net interest margin pressure, quality-focused credit issuance, and stabilizing fee income growth [9] - The average dividend yield for the banking sector is currently at 5.2%, significantly higher than the 10-year government bond yield, indicating a shift towards a "high dividend + high quality" investment cycle [9][10] Retail Sector - The retail sector showed strength, with Central Plaza and Shanghai Jiubai hitting the daily limit, and New World achieving a rapid surge shortly after market opening [3] - New World is focusing on attracting the "Z generation" consumer group and has plans to launch popular IP exhibitions [3] Commercial Aerospace Sector - The commercial aerospace sector is witnessing a surge, with companies like Star Technology and Shunhao Co. hitting the daily limit [5][11] - Star Technology has secured several orders in the commercial aerospace field and plans to initiate mass production in 2026 to meet the growing demand from private aerospace companies [14] - Recent policy support from the National Space Administration aims to promote high-quality development in the commercial aerospace sector, which is expected to accelerate the implementation of various industry chain segments [14][15]

Core Viewpoint - The Hainan Free Trade Port is set to enhance its financial services and international business operations, with the Construction Bank focusing on supporting its development through innovative financial solutions and strategic partnerships [1][12]. Group 1: International Business Development - The Hainan Free Trade Port has established a cross-border capital flow management system, which includes a multi-functional free trade account (EF account) to facilitate cross-border transactions [2]. - As of November 2025, the Construction Bank's Hainan branch has opened 104 EF accounts, with a business volume equivalent to approximately 15.7 billion RMB, significantly improving the efficiency of cross-border settlements [2]. - The bank has successfully implemented various financial services under the EF account, including foreign exchange options and trade financing, marking a qualitative leap in cross-border capital flow [2][4]. Group 2: Support for New Quality Productivity - The Construction Bank's Hainan branch is increasing credit support for technology enterprises and strategic emerging industries, exemplified by a 472 million RMB international commercial loan to a rubber industry group to enhance its global market presence [3][5]. - The bank has developed tailored financial services for high-tech enterprises, with a loan balance of 2.643 billion RMB for high-tech industries as of November 2025, reflecting a growth of 23.62% [7][10]. - The bank's focus on innovation includes establishing a dedicated branch in the Sanya Yazhou Bay Science and Technology City to provide comprehensive financial services to key enterprises [6][10]. Group 3: Strengthening the Real Economy - The Construction Bank is committed to nurturing the real economy by integrating financial services with local industry characteristics, providing tailored financing solutions to support supply chain financing for agricultural enterprises [8][9]. - The bank has created a comprehensive financial service ecosystem for the "Hainan Fresh Products" brand, offering a range of services including financing, account management, and cross-border financial services [9]. - As of November 2025, the bank has supported over 24,100 small and micro enterprises, positioning itself as a leader in local financial institutions in terms of loan amounts and customer numbers [11].

Group 1 - The core viewpoint of the articles highlights a positive trend in bank stocks, with several banks experiencing significant gains amid a peak period for interim dividends [2][3] - As of December 17, 2025, 26 A-share listed banks have disclosed plans for interim or quarterly dividends, with a total proposed payout exceeding 264.6 billion yuan [2] - The PB valuation of the Shenwan first-level banking index has increased from 0.52 times at the beginning of the year to 0.54 times by December 17, 2025, indicating a revaluation driven by dividend themes [2] Group 2 - Insurance funds have significantly increased their investments in bank stocks during the third quarter, reflecting a strong preference for bank stocks among institutional investors [3] - The Bank AH Preferred ETF (517900) tracks the Bank AH Index, which includes 14 Hong Kong bank stocks and 28 A-share bank stocks, with respective weights of 37% and 63% [3] - Since early 2019, the Bank AH total return index has seen a cumulative increase of 95.69%, outperforming the CSI Bank total return index, which rose by 87.54% in the same period [3]