转自：新华财经 建设银行广州分行（下称"建行广州分行"）紧跟政策导向，围绕广州高质量发展首要任务和构建新发展 格局战略任务，强化高质量金融供给，加强产品服务创新，全力提升金融服务实体经济质效，主动助力 解决社会痛点问题，为广州高质量发展注入金融动能。 创新落地"粤科易贷" 建行广州分行深度服务重大科技项目研发、科技成果转移转化和智慧园区建设，近日，为广州珐玛珈智 能设备股份有限公司发放了"粤科易贷"流动资金贷款1500万元，精准助力企业突破发展瓶颈。 广东斯丹诺智能装备有限公司，一家成立于2015年的科技型企业，是固废处理与资源化领域的新星。企 业聚焦"让垃圾变废为宝"的智慧解决方案，产品线覆盖可回收垃圾智能光选机、铜铝智能分选机、锂电 拆解设备等，广泛应用于建筑装修垃圾、混合生活垃圾、大件垃圾乃至医疗废弃物的安全高效处理与资 源化回收，为城市"代谢系统"的绿色循环提供着核心装备支撑。 随着订单量持续增加，该智能装备公司项目多点开花，生产节奏加快，导致原材料采购资金压力骤增 ——充足的订单本是喜讯，但原材料采购所需的巨额流动资金，却成了横亘在产能释放与企业扩张面前 的一道坎。 建行广州分行跳出传统"资金流"的 ...

Core Viewpoint - The article emphasizes the importance of transforming scientific and technological achievements into practical applications to enhance productivity and support the construction of a modern industrial system, highlighting the role of China Construction Bank's Guangdong branch in providing tailored financial services to technology enterprises [1][2]. Group 1: Financial Services for Technology Enterprises - China Construction Bank's Guangdong branch has developed a comprehensive financial service system covering the entire lifecycle of technology innovation, offering a customized "FIT Guangdong" financial service plan with 32 specialized products to meet the diverse needs of technology enterprises [2][3]. - The bank has introduced a tiered credit product system, including "Technology Incubation Loan," "Shan Ke Loan," and "Shan Xin Loan," to support early-stage technology enterprises in securing initial funding and later financing as they grow [3][5]. Group 2: Leveraging Government Policies - The bank is capitalizing on opportunities from the People's Bank of China and the Ministry of Science and Technology to enhance financing capabilities for technology enterprises, utilizing a multi-dimensional evaluation system to identify eligible clients for loans [4]. - A notable case includes the rapid approval of an 8.1 million yuan loan to a specialized enterprise in Foshan, demonstrating the bank's ability to respond quickly to client needs while leveraging policy benefits to reduce financing costs [4]. Group 3: Support for Growth and Maturity Stages - For growing technology enterprises, the bank offers products like "Technology Easy Loan," "Technology R&D Loan," and "Technology Transformation Loan," streamlining the credit process to enhance service efficiency [5]. - The bank has successfully provided a 342 million yuan loan to a technology company for upgrading production lines, showcasing its commitment to supporting technological advancements and reducing financing costs [5]. Group 4: Specialized Financial Institutions - The bank has established 50 specialized branches focused on technology finance across key high-tech enterprise parks, providing dedicated services to enhance the financial support for technology enterprises [8]. - Through the "Industry-Academia-Research-Finance" alliance, the bank is creating an ecosystem that accelerates the industrialization of technological achievements, linking various resources to support high-growth investment opportunities [8][9]. Group 5: Future Directions - The bank plans to further enhance its multi-dimensional evaluation system and expand its technology credit product offerings, aiming to better support technology enterprises in finding capital, resources, and partners for innovation [9].

Core Viewpoint - The seminar titled "Debt Starts a New Journey, Building Future Momentum" aims to explore the landscape of the credit bond market in 2026, focusing on opportunities and challenges in the new era of China's financial market [3]. Group 1: Seminar Structure and Participation - The seminar was held in three locations: Beijing, Tianjin, and Chengdu, featuring a main venue where insights were shared by China Construction Bank, Wind Information, and CITIC Securities [5]. - Over 20 financial market institutions participated, including leaders from various investment and financing organizations, discussing macroeconomic conditions and the development of the credit bond market [5]. Group 2: Market Analysis and Trends - The Deputy General Manager of the Investment Banking Department at China Construction Bank, Ma Lian, analyzed the current fixed income market, highlighting the deep adjustments in the global financial landscape and the transition of the domestic economy towards high-quality development [7]. - The seminar emphasized the bond market's role in serving the real economy, facing unprecedented opportunities and challenges, with a focus on green, technological innovation, securitization, and cross-border bond sectors [7]. Group 3: Research Findings and Investment Strategies - Wind's Vice President, Jin Jian, shared insights from a joint bond market survey, indicating that under a backdrop of moderate economic growth and low interest rates, technology innovation bonds are the top investment choice in the credit bond sector [8]. - The survey revealed that over 80% of respondents believe that the coupon advantage of credit bonds will become more pronounced in a low-interest environment, leading to an increased allocation in investment portfolios [8]. - CITIC's Chief Analyst for Credit Bonds, Li Han, projected a volatile bond market in 2026, with a slight upward trend in interest rates and a focus on high-rated short-duration bonds for defensive advantages [8]. Group 4: Future Collaboration - China Construction Bank and Wind Information have a long-standing partnership, having launched various bond indices and tools since 2017, with plans for closer collaboration to enhance services for market investors and promote the development of China's bond market [9].

科技创新迎来重要部署。今年的中央经济工作会议提出"坚持创新驱动，加紧培育壮大新动能"，并 强调"创新科技金融服务"。 科技创新呼唤更加长期、耐心的金融服务 在中央经济工作会议部署的2026年经济工作八项重点任务中，"坚持创新驱动，加紧培育壮大新动 能"位列重点任务第二位，相比去年对于科技创新工作的部署，一些新的变化值得关注。 中国邮政储蓄银行研究员娄飞鹏认为，三大国际科技创新中心由单个城市扩容至区域，旨在通过区 域协同、资源集中、生态整合打造全球科技创新高地。 专家普遍认为，这意味着，下一阶段，我国的重要战略资源将有意识地向三地集中，打造"极点牵 引、辐射全国"的梯度创新格局。 可以看到，自党的十九届五中全会提出"支持北京、上海、粤港澳大湾区形成国际科技创新中心"之 后，经过多年发展，三大国际科技创新中心建设取得突出成效，而且各有侧重。 "中央经济工作会议有很多新提法值得关注，比如建设三大国际科创中心，从原来的北京、上海、 粤港澳大湾区扩容至京津冀、长三角和粤港澳大湾区。另外，还部署了多项支持科技创新的举措，可以 看出我国加快建成科技强国的信心和决心。"中国社科院财经战略研究院副院长尹振涛在接受《金融时 报》 ...

Core Viewpoint - Some banks are displaying higher annualized returns on their wealth management products in their apps compared to the actual recent returns, leading to investor concerns about misleading information [1][7]. Group 1: Discrepancy in Returns - Many banks show annualized returns since inception that are significantly higher than the recent monthly returns, indicating a potential misrepresentation of product performance [1][7]. - For example, a product from China Construction Bank shows an annualized return of 2.28% since its inception, while its recent one-month return is only 0.75% [3][7]. Group 2: Market Conditions - The discrepancy in returns is attributed to a declining interest rate environment and poor recent performance in the bond market, which affects the underlying assets of these wealth management products [3][5]. - The annualized return for bonds has decreased significantly, with the year-to-date return at only 0.46% and a one-month return of -0.43% [11]. Group 3: Regulatory Perspective - Current regulations do not explicitly prohibit banks from showcasing higher historical returns, allowing them to prioritize displaying more favorable figures [3][9]. - The China Banking Association's guidelines emphasize the need for transparency and accurate representation of past performance to protect investors' rights [11]. Group 4: Concerns About Performance Display - There are concerns that the practice of highlighting higher historical returns may mislead investors about the stability and future performance of these products [6][12]. - Experts suggest that banks should standardize the timeframes used for performance display across similar products to avoid selective reporting [12].

中国建设银行股份有限公司是一家商业银行。该银行主营业务分为公司银行业务，包括企业存款、企业 信贷、资产托管、企业年金、贸易融资、国际结算、国际融资和增值服务等；个人银行业务，包括个人 储蓄、贷款、银行卡服务、私人银行服务、外汇买卖和黄金买卖等，以及资金业务。该银行在中国国内 及海外市场开展业务。 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。 证券之星消息，12月17日南向资金增持1534.07万股建设银行（00939.HK）。近5个交易日中，获南向资 金减持的有3天，累计净减持6422.21万股。近20个交易日中，获南向资金增持的有12天，累计净增持 2942.71万股。截至目前，南向资金持有建设银行（00939.HK）338.61亿股，占公司已发行普通股的 14.07%。 ...

截至2025年10月末，海南省共有中国银行、建设银行等11家银行上线EF账户，开立账户数超过650个， 业务发生额突破2500亿元。 2025年1至10月，海南省人民币跨境收付额超4200亿元，较2020年同期增长16倍。 多功能自由贸易账户（EF账户）上线打通跨境资金流动"高速路"，跨境资金集中运营中心落地助力企 业出海，跨境资产管理试点搭建跨境投资桥梁……近年来，海南自由贸易港跨境投融资改革不断深化， 金融业对外开放水平进一步提升。 金融对海南自由贸易港建设至关重要，是实现贸易投资自由便利等功能的重要支撑。 "有序扩大金融业对外开放，构建与高水平开放相适应、与实体经济深度融合的自由贸易港金融体系， 打造形成区域性金融开放门户枢纽。"近期，海南"十五五"规划建议发布，为下一个五年自贸港金融开 放之路标明了方向。 ◎记者 何漪 唐燕飞 让资金双向流动"活"起来 跨境资金流动自由便利，是海南自由贸易港核心制度的重要组成部分，也是海南自贸港实现金融高水平 开放的基础。 围绕有序推进海南自贸港与境外资金自由便利流动，《海南自由贸易港建设总体方案》明确提出，构建 多功能自由贸易账户体系，便利跨境贸易投资资金流动，扩大 ...

公开资料显示：陈栋早年入职建设银行，从基层岗位做起，凭借突出的业务表现逐步走上管理岗位，还曾获评德州市"诚信之星"等荣誉称号，是业内认可 的业务骨干。曾任建行德州分行党委书记、行长，期间始终聚焦普惠金融与乡村金融服务领域；2023年4月，他调任建行江苏省分行行长助理，负责相关 业务管理工作，任职期间积极投身多项重点工作——2023年9月带队与宜兴市供销社座谈乡村金融服务，推动农户金融产品创新；2024年3月参与"3·15"金 融消费者权益保护活动，提出金融知识普及应与传统文化相结合的理念；2024年7月参与嘉泽镇政银座谈会，为乡村振兴合作事宜建言献策；2025年6月任 建设银行山东总审计室副主任，主持部分审计相关工作，肩负起辖区内银行合规监督、风险防控的重要职责。 就在上个月，11月11号，建行山东省分行办人工智能大赛决赛，陈栋还以山东总审计室副主任的身份出席了活动。 据山东纪委监委消息：2025年12月16日，中国建设银行山东总审计室副主任陈栋涉嫌严重违纪违法，目前正接受中央纪委国家监委驻中国建设银行纪检监 察组纪律审查和东营市垦利区监委监察调查。 | | | 公开资料显示：陈栋早年入职建设银行，从基层岗位 ...

（来源：广州金融） 建设银行广州分行为企业发放全省首笔"粤科 易贷"，以金融力量护航"中国智造" 科技金融是激活创新动能、赋能实体经济的关键纽带。近年来，建设银行广州分行聚焦科技型企业全生 命周期融资需求，深化科技金融服务创新，破解企业融资痛点、打通金融服务堵点。据了解，该分行搭 建专业化服务体系，为高新技术企业、专精特新"小巨人"企业等提供全链条、高效率金融支持，推动科 技成果转化。截至11月底，该分行为科技企业贷款余额超470亿元，服务科技型企业超万家，为区域科 创生态高质量发展注入强劲金融动力。 护航"中国智造" 目前，科创企业正迎来前所未有的发展机遇，同时也面临着研发投入大、回款周期长、融资需求迫切等 现实挑战。建行广州分行不断创新适配性金融产品，拓宽科技企业融资渠道，为科技企业高质量发展注 入源源不断的金融动能，推动科技与金融"双向奔赴"。 广州珐玛珈智能设备股份有限公司是国家级专精特新"小巨人"企业，深耕智能包装整线领域，集研发、 制造与系统集成为一体。企业坚持创新驱动，融汇欧洲精良工艺与全球前沿技术，凭借全球首创的电子 自动数粒机双料门结构、双色防伪喷码机等核心技术构筑起坚实技术壁垒，产品远销全 ...

Core Viewpoint - Some banks are displaying higher annualized returns for their wealth management products than the actual recent returns, leading to concerns about transparency and accuracy in financial reporting [1][3]. Group 1: Discrepancy in Reported Returns - Investors have reported discrepancies between the annualized returns displayed on bank apps and the actual returns, with some banks showing significantly higher returns since the product's inception compared to recent performance [1][2]. - The discrepancy is attributed to a decline in bond market performance, which has affected the recent yields of wealth management products, while historical yields remain elevated due to previous market conditions [1][3]. Group 2: Regulatory and Compliance Issues - Current regulations do not explicitly prohibit banks from showcasing higher historical returns, which may lead to a preference for displaying more favorable figures [1][4]. - The China Banking Association's guidelines emphasize that past performance should accurately reflect the investment manager's capabilities and inform investors, but the current practices may inflate perceived product performance [4]. Group 3: Market Trends and Performance Analysis - The overall trend in fixed-income assets, which form the basis of many wealth management products, is downward, with recent yields significantly lower than historical averages [3][4]. - For instance, the annualized yield for bonds has dropped to 0.46% year-to-date, while the annualized yield over the past three years is 4.90% [3].