为切实提升一线员工服务效能，创新服务场景，建行深圳市分行持续实践，深入基层、深入群众开展系 列创新活动，针对性地解决基层突出问题，为一线员工赋能。 聚焦创新手段如何培育发展新优势、新动能，创新如何赋能基层减负，建行深圳市分行近年来高度重视 产品创新与组织推动，始终践行群众路线从基层一线汲取创新智慧，同时多措并举构建创新体系，探索 特色化的创新孵化机制，全方位调动各项资源以助推创意转化为生产力。 01 沉下身子听需求，把创新源头扎于基层 创新不能靠"闭门造车"，要从一线来、到一线去。近年来，建行深圳市分行创新文化工作走群众路线， 通过平台搭建、机制保障、资源倾斜引导一线发声，同时让基层的"金点子" 有渠道、有支撑、有价 值。 建行深圳市分行通过"搭平台""提质效""深挖潜"三步法，推出多元特色创意活动，下沉基层深挖灵感。 分行打造全流程孵化赋能机制，配备导师、专家资源池等支持资源，深度分析、挖掘全行创意，实现采 集基层痛点、提出创意方案、开发需求、落地项目、跟踪分析五个环节的"一条龙"管理。并定期举 行"小点子·大价值"优秀创意评选，以激励转化成效优秀的小创意，鼓励"小点子"创"大价值"。 在基层发声反馈机制上 ...

记者丨张欣 编辑丨曾芳 12月12日，全国金融系统工作会议在京召开，中共中央政治局委员、中央金融委员会办公室主 任何立峰出席会议并讲话，为2026年金融系统工作划定核心方向。 同日，工行、建行、农行、中行等国有大行召开党委会议，传达学习中央经济工作会议精神， 结合全国金融系统工作会议要求，研究部署贯彻落实措施，明确2026年及 "十五五" 时期工作 重点，为助力经济高质量发展、服务金融强国建设提供金融支撑。 四家国有大行在贯彻落实会议精神过程中形成明确共识，均紧扣"防风险、强监管、促高质量 发展"工作主线，锚定三大核心方向推进2026年工作： 一是坚持党中央对金融工作的集中统一领导。 工行、农行、建行、中行均强调要深刻领悟 "两个确立" 的决定性意义，坚决做到"两个维 护"。其中，工行和农行还强调要增强 "四个意识"、坚定 "四个自信"。 工行和中行提出要牢固树立和践行正确政绩观、业绩观，持之以恒推进全面从严治党，抓好中 央巡视整改常态化长效化。农行、建行也明确要加强党的建设，树立正确业绩观，确保中央决 策部署落地见效。 二是聚焦主责主业，做深做实金融"五篇大文章"。 四家银行均提出要全面做好金融 "五篇大文 ...

12月12日，全国金融系统工作会议在京召开，中共中央政治局委员、中央金融委员会办公室主任何立峰出席会议并讲话，为 2026年金融系统工作划定核心方向。 同日，工行、建行、农行、中行等国有大行召开党委会议，传达学习中央经济工作会议精神，结合全国金融系统工作会议要 求，研究部署贯彻落实措施，明确 2026 年及 "十五五" 时期工作重点，为助力经济高质量发展、服务金融强国建设提供金融支 撑。 工行、农行、建行、中行均强调要深刻领悟 "两个确立" 的决定性意义，坚决做到"两个维护"。其中，工行和农行还强调要增强 "四个意识"、坚定 "四个自信"。 工行和中行提出要牢固树立和践行正确政绩观、业绩观，持之以恒推进全面从严治党，抓好中央巡视整改常态化长效化。农 行、建行也明确要加强党的建设，树立正确业绩观，确保中央决策部署落地见效。 二是聚焦主责主业，做深做实金融"五篇大文章"。 四家银行均提出要全面做好金融 "五篇大文章"，加大对重点领域的金融支持。其中，工行提出要突出主责主业，加力支持扩大 内需、科技创新、中小微企业等重点领域，精准服务"两重一薄"、制造业、区域协调、"双碳"引领、民生保障等。 四大行同向发力，明年瞄 ...

Core Viewpoint - The implementation of "Shanghai Science Credit Loan" aims to enhance financial support for technology-driven enterprises by using the "Shanghai Science Credit" as a key evaluation tool for innovation capabilities and financial assistance [1] Group 1: Policy and Implementation - The People's Bank of China Shanghai Branch, along with several local financial and regulatory bodies, has issued a notice to promote "Shanghai Science Credit Loan" as a specialized financial product for evaluating and supporting enterprise innovation [1] - Financial institutions in Shanghai are encouraged to utilize "Shanghai Science Credit" as a basis for assessing the innovation capabilities of local enterprises, facilitating loan issuance under manageable risk conditions [1] Group 2: Case Studies of Financial Support - A biotechnology company with a "Shanghai Science Credit" score above 80 has received a loan of 30 million yuan from Bank of Communications Shanghai Zhangjiang Branch, utilizing a differentiated credit model based on its innovation capabilities [2] - Shanghai Guangjiang Environmental Art Co., Ltd. increased its loan limit to 2.8 million yuan through collaboration with Bank of China Shanghai Branch, which utilized the "Shanghai Science Credit" evaluation to address financing challenges for small and medium-sized tech enterprises [3] Group 3: Features of "Shanghai Science Credit Loan" - The notice outlines that financial institutions should enhance the application of "Shanghai Science Credit" results, offering differentiated arrangements such as increased loan limits and reduced interest rates for top-ranked enterprises [4] - Institutions are encouraged to innovate the design of "Shanghai Science Credit Loan" products, focusing on key industries and enhancing the convenience of application processes through digital technology [4] Group 4: Future Directions - The People's Bank of China Shanghai Branch plans to establish a joint working mechanism to strengthen policy coordination and promote the expansion of "Shanghai Science Credit Loan" products [5]

Group 1 - The core issue is that many banks have removed 5-year fixed deposit products, and the threshold for 3-year fixed deposits has increased, leading to a shift in consumer behavior towards alternative investment options [1][6] - Banks are responding to the uncertain long-term interest rate environment and the need to stimulate consumption by reducing the availability of long-term fixed deposits, which are becoming less attractive due to low interest rates [1][6] - The reduction of long-term fixed deposit products is a market-driven decision, reflecting the banks' need to adapt to changing economic conditions and consumer preferences [1][6] Group 2 - Risk-averse consumers are now seeking alternative investment opportunities as fixed deposit options diminish, with a focus on stable, high-dividend assets such as bond funds and blue-chip stocks, particularly in the banking sector [2][7] - Recent trends show that large state-owned bank stocks have been rising due to the influx of low-risk capital, previously invested in real estate and infrastructure, now flowing into these banks as the real estate market changes [2][7] - The annualized dividend rates of major state-owned banks are declining, with examples such as Industrial and Commercial Bank of China at 3.8%, China Construction Bank at 4.3%, and Agricultural Bank of China at 3% [3][8] Group 3 - The banking sector in A-shares is highly interconnected, with similar operational models and profitability levels among banks, but state-owned banks have outperformed due to shifts in investor risk preferences [4][9] - Some regional city commercial banks, like Beijing Bank, show strong performance metrics and competitive dividend yields, making them attractive alternatives to traditional fixed deposits [5][10] - Beijing Bank has an annualized dividend rate of 5.7%, positioning it among the top banks, and its solid fundamentals suggest it can maintain this rate even in a changing economic landscape [5][10]

来源：今日建行 12月12日，中国建设银行召开党委会议，传达学习中央经济工作会议精神，按照全国金融系统工作会议 要求，研究部署贯彻落实工作。党委书记、董事长张金良主持会议并讲话，党委成员，高管人员，驻建 设银行纪检监察组及总行相关部门负责人参加会议。 来源：今日建行 12月12日，中国建设银行召开党委会议，传达学习中央经济工作会议精神，按照全国金融系统工作会议 要求，研究部署贯彻落实工作。党委书记、董事长张金良主持会议并讲话，党委成员，高管人员，驻建 设银行纪检监察组及总行相关部门负责人参加会议。 会议指出，习近平总书记在中央经济工作会议上发表的重要讲话，全面总结今年和"十四五"时期经济工 作，深入分析当前经济形势，系统部署明年经济工作，具有很强的政治性、思想性、指导性，为做好明 年和"十五五"时期经济工作提供了根本遵循和行动指南。全行要认真学习领会、贯彻落实中央经济工作 会议精神，与学习贯彻党的二十大和二十届历次全会精神相贯通，切实把思想和行动统一到习近平总书 记重要讲话精神和党中央决策部署上来，以实际行动坚定拥护"两个确立"、坚决做到"两个维护"。 会议强调，要深刻领会"十四五"时期我国发展取得的重大成就 ...

国有大行"红包雨"来临！12月12日晚，交通银行发布公告称，该行将按照普通股每股派发0.1563元（含税）派发2025年中期现金股息，A股派息日预计为 2025年12月25日。在此之前，中国银行与建设银行已经于12月11日完成中期A股分红发放；工商银行和农业银行则公告定于12月15日分红派息；邮储银行则 拟于2026年1月12日分红派息，相关方案仍有待本月召开的临时股东大会审议通过。 值得一提的是，今年国有行中期分红时间较去年明显提前。去年六大国有行中期分红均在1月份，最早的为2025年1月7日（工商银行），最晚的则是2025年1 月24日（交通银行）。相比之下，今年中期分红派息日明显提前，有银行甚至提前了1个多月。 | 银行 | 每 10 股派发红利 | 分红总额 | 今年中 | | --- | --- | --- | --- | | | (税前) | (亿元) | | | 建设银行 | 1.858 元 | 486.0535 | 2025 年 | | 中国银行 | 1.094 元 | 352.5004 | 2025 年 | | 工商银行 | 1.414 元 | 503.9584 | 2025 年 | | 农 ...

南都湾财社记者统计发现，六大国有行中期分红总额将达到2046.57亿元，与去年基本持平。而42家A股 上市银行中，已经有26家宣布中期分红（或三季度分红），金额共计2646.22亿元，无论是分红银行数 量还是分红总额，均较去年有所增长。 国有大行"红包雨"来临！12月12日晚，交通银行发布公告称，该行将按照普通股每股派发0.1563元（含 税）派发2025年中期现金股息，A股派息日预计为2025年12月25日。在此之前，中国银行与建设银行已 经于12月11日完成中期A股分红发放；工商银行和农业银行则公告定于12月15日分红派息；邮储银行则 拟于2026年1月12日分红派息，相关方案仍有待本月召开的临时股东大会审议通过。 交通银行12日晚发布的临时股东会决议公告显示，股东会审议通过关于《2025年半年度利润分配方案》 的议案，该行将按照普通股每股派发0.1563元（含税）派发2025年中期现金股息。其中，A股派息日预 计为2025年12月25日。 此外，邮储银行拟于12月19日召开临时股东大会，审议关于中期利润分配方案的议案。根据议案，该行 拟每10股普通股派发1.230元（含税），合计147.72亿元（含税） ...

作者 | 贝隆行业研究 为切实提升一线员工服务效能，创新服务场景，建行深圳市分行持续实践，深入基层、深入群 众开展系列创新活动，针对性地解决基层突出问题，为一线员工赋能。 聚焦创新手段如何培育发展新优势、新动能，创新如何赋能基层减负，建行深圳市分行近年来 高度重视产品创新与组织推动，始终践行群众路线从基层一线汲取创新智慧，同时多措并举构 建创新体系，探索特色化的创新孵化机制，全方位调动各项资源以助推创意转化为生产力。 在创新领域持续探索，建行深圳市分行取得了阶段性成果，其创新机制日益完备，创新项目转 化为生产力的速度越来越快，一些有见地、有温度的金点子在提升效率、推动业务发展、优化 流程等方面发挥积极作用。 01 沉下身子听需求，把创新源头扎于基层 创新不能靠 "闭门造车"，要从一线来、到一线去。近年来，建行深圳市分行创新文化工作走 群众路线，通过平台搭建、机制保障、资源倾斜引导一线发声，同时让基层的"金点子" 有渠 道、有支撑、有价值。 建行深圳市分行通过 "搭平台""提质效""深挖潜"三步法，推出多元特色创意活动，下沉基层 深挖 灵感。分行打造全流程孵化赋能机制，配备导师、专家资源池等支持资源，深度分析、 ...

Core Insights - The forum focused on how inclusive finance can transition from a "red ocean" to a "new blue ocean" of consumption, emphasizing the role of China Construction Bank (CCB) in this transformation [1] Group 1: Financial Strategies - CCB Beijing Branch is leveraging its state-owned enterprise responsibilities to enhance consumer demand through a comprehensive product supply system that includes diverse financial tools [1][3] - The bank is aligning with national policies to support consumption upgrades by providing quality personal consumption credit services and facilitating access to consumer loans and subsidies [3] - Innovative credit solutions are being introduced to address consumer pain points, such as special installment loans for large purchases and real-time credit products for emerging consumption scenarios [3][4] Group 2: Targeted Customer Segments - CCB is focusing on younger demographics, particularly those born after 1985 and 1990, who are becoming the core consumer group with distinct characteristics such as high education levels and openness to new experiences [3][4] - The bank is customizing products for specific customer segments, including travel-related services for business travelers and dynamic credit management for high-net-worth individuals [3][4] Group 3: Evolving Consumer Behavior - The consumption habits of the new generation, primarily young white-collar workers, are shifting from online payment convenience to a model that emphasizes online price comparison and offline purchases [4] - Clear boundaries in consumer needs are emerging, with different groups focusing on specific benefits such as travel rewards for business travelers and health and education services for families [4] Group 4: Future Directions - CCB aims to deepen its engagement in various consumer scenarios by creating a "financial + lifestyle" ecosystem that enhances urban consumption vitality through its "CCB Life" and mobile banking apps [4][5] - The bank is also expanding its service boundaries through cross-industry collaborations, such as partnerships with e-commerce platforms and local merchants to promote diverse consumption ecosystems [5] - CCB plans to upgrade its operational model to better serve customer segments by utilizing big data and digital operations to enhance service capabilities and drive business transformation [5]