Core Viewpoint - Banks are reverting to physical verification processes for account openings to combat identity theft and mule accounts, marking a significant shift from their previous digital-first strategies [1][2][14]. Group 1: Industry Trends - Many banks are now requiring physical inspections and branch or home visits by relationship managers for clients wishing to open accounts online [1][14]. - This shift represents a U-turn for banks that had been digitizing services and streamlining procedures [2][14]. - The Reserve Bank of India (RBI) has imposed fines on banks for not adhering to strict KYC protocols, prompting tighter onboarding processes [9][12]. Group 2: Company Responses - ICICI Bank has halted its insta-account opening service, now only allowing salary accounts to be created digitally, while other accounts require an assisted process [3][15]. - HDFC Bank continues to onboard customers digitally but is investing in enhancing the security and robustness of its digital onboarding process [4][7][15]. - Banks are now instructed to open accounts only for customers within their locality, with provisions for those outside a specified radius [6][15]. Group 3: Fraud Prevention Measures - The increase in mule accounts has led to a tightening of online account onboarding services, with banks facing challenges in fully digitizing the process due to fraud risks [9][12][14]. - Instances of digital accounts being blocked due to high-volume transactions have been reported, necessitating customers to visit branches for resolution [10][11][15]. - Banks are increasingly requesting income documents from customers to verify they are not involved in fraudulent activities [11][15].

NAME(S) AND ADDRESS OF REGISTERED SHAREHOLDER(S) CCS3602 CCBH 登記股東之姓名及地址 中國建設銀行股份有限公司 China Construction Bank Corporation （於中華人民共和國註冊成立的股份有限公司） (A joint stock company incorporated in the People's Republic of China with limited liability) (股份代號 Stock Code: 00939) DIVIDEND CURRENCY ELECTION FORM FOR 2025 INTERIM CASH DIVIDEND OF RMB1.858 PER 10 SHARES ("2025 INTERIM DIVIDEND") 2025年中期現金股息每10股人民幣1.858元（「2025年中期股息」） 登記股東將自動以港元收取2025年中期股息，除非選擇以人民幣收取現金股息。如 閣下欲以港元收取2025年中期股息，則無需採取任何行動。 If you wish to elect to rece ...

EF002 免責聲明 | 公告全部或任何部份內容而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 | 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或完整性亦不發表任何聲明，並明確表示，概不對因 | | --- | --- | | | 股票發行人現金股息（可選擇貨幣）公告 | | 發行人名稱 | 中國建設銀行股份有限公司 | | 股份代號 | 00939 | | 多櫃檯股份代號及貨幣 | 不適用 | | 相關股份代號及名稱 | 04432 CCB B3201 | | 公告標題 | 2025年6月30日止六個月中期股息(更新) | | 公告日期 | 2025年12月12日 | | 公告狀態 | 更新公告 | | 更新/撤回理由 | 更新港元派息金額及匯率 | | 股息信息 | | | 股息類型 | 中期（半年期） | | 股息性質 | 普通股息 | | 財政年末 | 2025年12月31日 | | 宣派股息的報告期末 | 2025年6月30日 | | 宣派股息 | 每 10 股 1.858 RMB | | 股東批准日期 | 2025年11月27日 | | 香港過戶登記處相 ...

许昆林表示，以金融高质量发展助力辽宁全面振兴，离不开中国人民银行、金融监管总局的关心指导， 离不开中央金融机构的帮助支持。希望大家进一步关注辽宁、信任辽宁，深化拓展务实合作，支持辽宁 统筹做好金融"五篇大文章"，助力实体经济发展，与我们一道共享振兴发展机遇、开创美好未来。 会上，国家开发银行、中国进出口银行、中国农业发展银行、中国工商银行、中国农业银行、中国银 行、中国建设银行、交通银行、中国邮政储蓄银行、中国人民保险集团股份有限公司、中国人寿 （601628）保险(集团)公司、中国出口信用保险公司等中央金融机构主要负责同志先后发言。 12月11日，辽宁省与中央金融机构座谈会在北京举行。辽宁省委书记许昆林主持并讲话。中国人民银行 行长潘功胜，国家金融监督管理总局局长李云泽出席并讲话，辽宁省委副书记、省长王新伟介绍辽宁经 济社会发展总体情况。辽宁省委副书记、大连市委书记熊茂平，12家中央金融机构主要负责同志出席会 议。 许昆林表示，辽宁将搭建高效便捷的政金企对接平台，完善融资担保和风险补偿机制，为金融机构开展 业务创造更好条件。我们将全力打造一流营商环境，坚决整治破坏营商环境的问题，加强社会信用体系 建设，政府 ...

Core Insights - The launch of the "Cluster Quick Loan" product by China Construction Bank aims to provide tailored financial support to Shanghai's five major advanced manufacturing industry clusters, including integrated circuits, biomedicine, and new energy vehicles [1][3][7] Group 1: Financial Innovation - The "Cluster Quick Loan" addresses the financing challenges faced by technology-driven enterprises, which often lack effective collateral and experience mismatches between funding needs and short-term loan durations [3][4] - The product utilizes a big data risk control model to integrate various credit factors, enabling online processing and offering favorable long-term, low-interest loan conditions [3][4] Group 2: Collaborative Ecosystem - A collaborative ecosystem involving government, banks, and enterprises is being established in Zhangjiang Science City, enhancing the efficiency of financial services for innovative companies [4][6] - The Zhangjiang Financing Service Center effectively breaks down information barriers between banks and enterprises, allowing for more accurate identification of quality tech companies [4][6] Group 3: Efficient Service Delivery - In Jiading District, a rapid financial service initiative has been implemented, identifying 383 key enterprises within three weeks, showcasing the efficiency of the "Jiading Speed" in financial product delivery [5][6] - The collaboration between various stakeholders has improved the quality and efficiency of financial services to the real economy [6] Group 4: Modern Industrial Support - The successful implementation of the "Cluster Quick Loan" is a practical step towards supporting Shanghai's strategic emerging industries and aligns with the city's goal of becoming a globally influential technology innovation center [7] - The shift from serving individual enterprises to focusing on industry clusters enhances service efficiency and risk management capabilities [7]

济宁素以"孔孟之乡、运河之都"著称,今年前三季度,地区生产总值同比增长5.8%,主要指标增速继续保持 全省第一方阵。据统计,2024年济宁市民营企业数量已突破12万户,贡献了全市65%的GDP、70%的税收 和80%的城镇就业,成为孕育企业家的"沃土"。在此关键时期,建设银行济宁分行成立"企业家工作室",将 充分发挥独特优势,系统整合建行在私人银行、公司业务、投资银行、普惠金融、跨境金融等领域的专 业资源,并广泛对接外部顶尖的法律、税务、医疗、教育及产业专家,为济宁企业家提供财富、传承、生 活、企业、成长、公益"六大助力"。 本次活动还特别邀请了京都律所高级税法顾问、合伙人高慧云,就"新公司法下企业治理及税务风险防 范"作专题讲座。高慧云结合实操案例解读税务政策应用,以通俗语言拆解复杂税务方案,助力企业家轻松 掌握财富税务优化要点,提前筹划、善用工具,构建企业持续发展与家族财富有序传承的长效机制。 中国建设银行始终秉承"以客户为中心"的理念,致力于提供全方位、个性化、全球化的综合金融解决方 案。建设银行济宁分行积极响应总行战略,扎根济宁,依托孔孟之乡深厚的文化底蕴,深耕本地、拓展业务, 凭借专业团队与温暖周到 ...

国有大行资本补充迎来重要进展。近日，中国银行、建设银行和交通银行陆续发布变更注册资本事项获 得国家金融监督管理总局批复同意的公告。根据公告，三家银行注册资本分别增加278.25亿元人民币、 115.89元人民币和141.01亿元人民币。分析称，增加注册资本将提升大行服务实体经济能力，夯实抵御 风险的屏障。 三家国有行增加注册资本获批 12月4日，中国银行发布公告称，该行近日收到批复，国家金融监督管理总局同意该行注册资本增加 278.25亿元人民币，由2943.88亿元人民币变更为3222.12亿元人民币。 12月9日，建设银行发布公告称，该行收到批复，国家金融监督管理总局同意该行注册资本增加115.89 亿元人民币，由2500.11亿元人民币变更为2616.00亿元人民币。 2025年3月5日，国务院总理李强在政府工作报告中提出，拟发行特别国债5000亿元，支持国有大型商业 银行补充资本。 随后，中国银行、建设银行、交通银行、邮储银行均于3月30日发布公告，拟通过向特定对象发行A股 股票的形式，募集资金合计5200亿元，用于补充核心一级资本。其中，建设银行、中国银行的发行对象 均为财政部；交通银行的发行对象为 ...

精准的企业画像和产业集群化管理，可以有效降低金融机构的服务门槛。张江融资服务中心这一平台有 效打破了银企间的信息壁垒，使银行能够更准确、更高效识别优质科创企业。 "我们研发投入大，这笔资金对我们发展有很大帮助。"芯合电子（上海）有限公司财务负责人高总坦 言。这家专注于芯片技术研发的企业，正是上海集成电路产业集群中的典型代表。 建设银行此次推出的"集群快贷"，正是针对这一痛点进行的金融创新。产品通过大数据风控模型，整合 企业经营数据、产业集群资质、政府扶持政策等多维信用要素，实现全流程线上化办理，并提供长期 限、低利率的优惠条件。 "我们不再孤立地评估单个企业，而是将其置于整个产业集群生态中综合判断。"建设银行上海市分行科 技产业金融部总经理邵健健表示，"企业在产业链中的地位、技术创新的价值、产业集群的发展前景， 都成为授信评估的重要维度。" 转自：新华财经 新华财经上海12月12日电（记者 王淑娟）记者获悉，建设银行专为上海五大国家级先进制造业产业集 群量身打造的"集群快贷"产品日前正式落地，为上海集成电路、生物医药、新能源汽车等战略性新兴产 业注入金融活水。目前，芯合电子（上海）有限公司、上海球明标准件有限 ...

Core Viewpoint - The article emphasizes the role of credit cards in boosting and expanding consumption, aligning with the strategic focus on domestic demand expansion as outlined by the Chinese government [1][2]. Group 1: Financial Services and Economic Support - Credit cards are highlighted as essential financial products that connect consumers with merchants, thereby supporting the real economy [1]. - China Construction Bank (CCB) credit cards have driven over 13 trillion yuan in social consumption during the 14th Five-Year Plan period, with a loan balance exceeding 1 trillion yuan, marking a significant achievement in consumer finance [1]. - CCB aims to enhance its role in expanding domestic demand through targeted consumer financial services by 2025, focusing on various consumption scenarios [1]. Group 2: Policy Support and Consumer Demand - In 2025, multiple favorable policies from the State Council and various ministries are expected to stimulate consumption and support economic recovery [2]. - CCB is actively engaging in initiatives that promote consumer spending, particularly in sectors like home appliances and digital products, through credit card installment payment promotions [2]. Group 3: Large-Scale Consumption Initiatives - CCB is focusing on large-scale consumption areas such as new energy vehicles and home decoration, offering significant financial support through installment plans and promotional events [3]. - The bank provides car financing options with loan amounts up to 2 million yuan and terms of up to 5 years, including a "zero down payment" service to alleviate consumer pressure [3]. Group 4: Consumer Experience and Brand Development - CCB is creating a comprehensive consumer ecosystem under the "Enjoy Fun" brand framework, integrating travel, food, and shopping to enhance daily consumer experiences [4]. - The bank has established a long-term mechanism for seasonal travel promotions and partnered with major platforms to create a robust travel consumption network [4]. Group 5: Shopping and Dining Promotions - CCB has launched extensive online and offline shopping promotions, collaborating with major e-commerce platforms to offer various discounts and rewards [5][6]. - During the "66 Festival" in 2025, CCB distributed 20 billion points to customers, significantly boosting consumer spending [6]. Group 6: Targeted Consumer Insights - CCB is leveraging consumer insights to develop diverse card products that cater to specific customer needs, such as movie enthusiasts and car owners [7]. - The bank is upgrading its credit card offerings to enhance payment convenience for both domestic and international transactions, ensuring a seamless experience for cardholders [7].

Core Viewpoint - The credit card market is undergoing significant adjustments, with many banks, especially smaller ones, halting the issuance of co-branded credit cards due to rising costs and risks associated with these products [1][5][6]. Group 1: Market Trends - The trend of halting credit card issuance is not isolated, as it has become a common practice among both national and regional banks throughout the year [1][6]. - Major banks, including China Construction Bank and Postal Savings Bank, have collectively stopped issuing over 100 credit card products since the beginning of 2025, with co-branded cards being a significant portion of these [6][11]. - The total number of credit cards in circulation has decreased by 100 million over the past three years, indicating a shift away from the previous era of aggressive expansion [10][11]. Group 2: Bank Strategies - Banks are transitioning from a focus on quantity to quality in their credit card offerings, prompted by regulatory changes and market dynamics [11][12]. - The recent adjustments include the closure of credit card centers and the integration of credit card functionalities into main banking apps, reflecting a strategic shift towards efficiency and cost reduction [14][15]. - The halting of co-branded cards is seen as a necessary step for banks to concentrate resources on more viable products and improve operational efficiency [8][9]. Group 3: Future Directions - The future of credit card business is expected to focus on three main transformation directions: integrating various service scenarios, upgrading technology for better digital experiences, and deepening customer segmentation to enhance value creation [16].