21世纪经济报道记者独家获悉，建设银行刚刚新增一位党委委员唐朔，12月4日下午这一任命在行内宣 布。 这也就意味着，在走完必要的程序后，唐朔或将出任建行副行长一职。 21世纪经济报道记者 周炎炎 杨希 目前建行的领导班子成员为：党委书记、董事长张金良；副董事长、行长张毅；副行长纪志宏（兼董 秘）、李建江、韩静、雷鸣；首席财务官生柳荣。 此前唐朔担任交行对公业务总监之时，该职务已经空缺8个月，前任是已经赴任农行副行长的王文进。 交通银行（601328.SH）发布公告称，公司第十届董事会第二十四次会议于8月29日召开，会议通过了 《关于聘任唐朔先生为业务总监（公司与机构业务）的决议》。 唐朔是在交行系统内成长并不断提拔的。唐朔2001年毕业于西安交通大学，获法学学士学位，后在2018 年于北京交通大学获工程硕士学位。 2018年，唐朔被调任至交行江西省分行担任行长。2020年在江西任上，他曾表态，交通银行江西省分行 将积极对接"2+6+N"产业行动计划，充分发挥交银集团国际化、综合化优势，持续提供"标准化+特色 化"的"交银产业通"金融服务方案，优先安排信贷规模，保证三年600亿元意向性综合授信额度，有效助 推江 ...

在这一进程中，金融力量是不可或缺的重要支撑。各大银行机构精准施策、创新突破，以多元化服 务打通堵点、破解难点，让金融活水持续浸润乡村沃土，为宜居宜业和美乡村建设注入强劲动能。从陕 西延安的苹果园到广西桂林的罗汉果田，从浙江衢州的鸭蛋产销链到河西走廊的农批市场，金融活水正 精准滴灌，将农户的"产品清单"转化为实实在在的"幸福账单"。 打通金融服务"最后一公里" 今年是巩固拓展脱贫攻坚成果同乡村振兴有效衔接5年过渡期的最后一年。五载耕耘，脱贫成果持 续巩固，脱贫地区内生发展动力持续增强，宜居宜业和美乡村新画卷徐徐展开。 得知吴大哥的困境后，稠州银行衢州分行迅速行动，指导衢江支行启动专项帮扶机制，不仅通过厅 堂宣传展示、客户社群精准推送、员工志愿推广等多种方式拓宽销路，更是拿出专项资金给予消费补 贴。 "原本以为积压的鸭蛋要砸在手里，没想到银行掏钱补贴帮我找销路。"吴大哥感激之情溢于言表。 "农民不用跑银行网点，足不出户就能获得高效便捷的贷款服务。"在雷赤镇雷多村党支部书记郝缩 梅家里，她高兴地介绍，"这几年，银行工作人员把金融服务送到家门口，把政策讲进心坎里，给我们 吃了'定心丸'。" 雷赤镇雷多村位于陕西省延安 ...

国家知识产权局信息显示，中国建设银行股份有限公司、建信金融科技有限责任公司申请一项名为"交 易合约的处理方法、系统、装置、存储介质及程序产品"的专利，公开号CN 121052934 A，申请日期为 2025年9月。 声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 来源：市场资讯 专利摘要显示，本申请提供一种交易合约的处理方法、系统、装置、存储介质及程序产品，涉及金融技 术领域，可以保证信贷业务系统与国际结算系统之间的信息同步。具体技术方案为：信贷业务系统响应 于对目标交易合约关联的合同执行目标操作，向国际结算系统发送指示信息，以触发对目标交易合约执 行与目标操作相适配的第一操作。接收来自国际结算系统的反馈信息，该反馈信息用于指示对目标交易 合约执行第一操作后目标交易合约的信用证变更信息。如此，信贷业务系统可以根据信用证变更信息以 及目标交易合约的交易信息，从目标交易合约的批复可用额度对应的多个可执行操作中，选择目标操作 并对批复可用额度执行该目标操作。 天眼查资料显示，中国建设银行股份有限公司，成立于2004年，位于北京市，是一家以从事货币金融服 务为主的企业。企业 ...

Core Insights - The article highlights the role of Guangzhou Zhihui Robot Technology Co., Ltd. as a key player in the robotics industry, supported significantly by China Construction Bank's Guangdong branch, which has provided tailored financial solutions to meet the company's evolving needs [1][5][10] Group 1: Financial Support and Growth - In its early stages, Zhihui Robot faced challenges in securing traditional loans due to its asset-light model, but received a crucial 3.3 million yuan "mortgage quick loan" from China Construction Bank, which helped address immediate funding needs [1][5] - As the company grew, it received additional financial support, including a 760,000 yuan "cloud tax loan" and a 2.36 million yuan "good innovation loan" for its affiliate, demonstrating a tiered financing approach that aligns with the company's development stages [6][8] Group 2: Industry Development and Infrastructure - Guangdong province is rapidly developing into a global hub for artificial intelligence and robotics, with a complete industrial chain from chips to applications, supported by financial institutions like China Construction Bank [2][10] - The bank has tailored financial products to support upstream component manufacturers, such as a 49.5 million yuan stock repurchase loan for TP Technology Co., which is crucial for maintaining technological leadership in machine vision [2][3] Group 3: Long-term Partnerships and Services - China Construction Bank emphasizes long-term partnerships with technology firms, providing continuous financial support that enables companies to focus on research and development while ensuring timely access to funds [7][8] - The bank's comprehensive service model includes a focus on non-financial factors, such as the technical capabilities of teams and the long-term prospects of industries, ensuring that financial support is aligned with the specific needs of technology companies [8][9]

Core Viewpoint - China Construction Bank (CCB) is actively supporting the expansion of domestic demand and consumption through comprehensive financial services, aligning with national strategies to enhance economic growth and consumer spending [1][2]. Group 1: Support for Consumption - CCB has launched a "Consumption Financial Special Action" to enhance financial services in the consumption sector, aiming to meet the financial needs of consumers effectively [2][6]. - As of the end of October, CCB's loans in key consumption areas exceeded 1 trillion yuan, with personal consumption loans amounting to approximately 810 billion yuan for the year, injecting financial momentum into consumer activity [1][2]. Group 2: Implementation of National Policies - CCB is fully integrating into the "Special Action to Boost Consumption" by enhancing product service integration and creating a comprehensive service system that includes credit, payment, and derivative services [2][4]. - The bank has utilized structural monetary policy tools, such as service consumption and pension re-loans, with over 100 billion yuan allocated to support sectors like tourism and hospitality [2][4]. Group 3: Focus on Key Consumption Areas - CCB is prioritizing financial support for key sectors such as tourism, culture, sports, health, education, and elderly care, with loans in these areas growing over 60% compared to the end of 2022 [6][8]. - The bank is also enhancing infrastructure financing, providing over 160 billion yuan in loans to modern logistics, thereby improving the efficiency of the consumption circulation system [8][9]. Group 4: Personal Consumer Services - CCB has expanded its personal consumer loan offerings, serving approximately 35 million customers with a loan balance of 652.7 billion yuan, leading the industry in both scale and growth [9][11]. - The bank has introduced various credit card services and payment solutions to stimulate consumer spending, including partnerships with major e-commerce platforms for promotional activities [9][11]. Group 5: Comprehensive Financial Services - CCB is leveraging its comprehensive financial service capabilities to integrate into the consumption ecosystem, enhancing both online and offline service offerings [11][12]. - The bank is focusing on deepening relationships with group chain customers, providing integrated financial and non-financial services to support their operational needs [12]. Group 6: Future Directions - CCB plans to continue implementing national policies aimed at expanding domestic demand and boosting consumption, with a focus on new consumption trends such as green and digital consumption [12].

Mergers and Acquisitions - Chongqing Water announced plans to acquire wastewater treatment projects for a total of 255 million yuan, which includes assets and related debts from three wastewater treatment plant expansion projects [1] - Beijiete plans to acquire controlling interest in Yunnan Wenye Nonferrous Metals Co., Ltd. through a share acquisition agreement [2] - Suhao Huihong intends to conduct an asset swap with its controlling shareholder, Suhao Holdings, involving the transfer of a 2.33% stake in Zijin Property Insurance for a transaction value of 262 million yuan [3] Shareholding Changes - Sun Cable's major shareholder, Xiamen Xiangyu Group, and its concerted parties plan to reduce their holdings by up to 3%, amounting to a maximum of 21.67 million shares [4] - Haike Xinyuan's shareholder, a strategic asset management plan, intends to reduce its holdings by up to 2.50%, equating to 557.41 million shares [5] - Dongwang Times' shareholder, Dongyang Xinling Technology Co., Ltd., plans to reduce its holdings by up to 1.20%, which is approximately 10.13 million shares [6] Other Developments - Meilixin plans to raise up to 1.2 billion yuan through a private placement of A-shares, with proceeds allocated for semiconductor equipment projects and working capital [7] - China Construction Bank announced a cash dividend distribution plan for the first half of 2025, totaling approximately 48.605 billion yuan, with a per-share dividend of 0.1858 yuan [8]

在发卡策略上，银行分化明显。部分机构主动压降存量，清理睡眠卡：邮储银行结存卡量从0.40亿张降 至0.38亿张，交通银行从0.63亿张降至0.60亿张。而招商银行和中信银行则通过精准营销推动累计发卡 量分别增至0.74亿和1.26亿张。 德勤认为，整体来看，行业正从"以量取胜"转向"以质取胜"。（经济观察网） 【#全国信用卡三年减少1亿张# 】作为观察中国消费信心、居民杠杆水平与零售金融风险的重要窗口， 信用卡市场正经历一场持续三年的深度出清。12月2日，中国人民银行发布《2025年第三季度支付体系 运行总体情况》显示，截至三季度末，全国信用卡和借贷合一卡存量为7.07亿张，较2022年6月末的历 史高点8.07亿张累计减少1亿张，已连续12个季度下滑。 这一趋势不仅反映居民预防性储蓄上升与消费动能减弱，也凸显银行在强监管与资产质量压力下主动收 缩低效发卡。与此同时，截至今年上半年末信用卡不良贷款率攀升至2.40%，多家银行密集通过银登中 心批量转让逾期资产，仅11月邮储银行、平安银行、民生银行与中国建设银行湖南省分行四机构拟转让 未偿本息即超过72亿元，标志着不良处置已成为信用卡业务转型中的核心环节。 信用 ...

Group 1: Company Announcements - Chongqing Water intends to acquire wastewater treatment projects for a total of 255 million yuan, including assets and related debts from three wastewater treatment plant expansion projects [1] - Beijiete plans to acquire controlling interest in Yunnan Wenye Nonferrous Metals Co., Ltd. through a share acquisition agreement [2] - Suhao Huihong is set to conduct an asset swap with its controlling shareholder, Suhao Holdings, involving the transfer of a 2.33% stake in Zijin Property Insurance for 262 million yuan [3] Group 2: Shareholding Changes - Sun Cable's major shareholder, Xiamen Xiangyu Group, and its concerted parties plan to reduce their holdings by up to 3%, totaling no more than 21.67 million shares [4] - Haike Xinyuan's shareholder, a strategic asset management plan, intends to reduce its stake by up to 2.50%, equating to 557.41 million shares [5] - Dongwang Times' shareholder, Dongyang Xinling Technology Co., Ltd., plans to reduce its holdings by up to 1.20%, amounting to 10.13 million shares [6] Group 3: Fundraising and Dividend Distribution - Meilixin plans to raise no more than 1.2 billion yuan through a private placement to fund semiconductor equipment projects and supplement working capital [7] - China Construction Bank has approved a cash dividend distribution of approximately 48.605 billion yuan for the first half of 2025, with a per-share dividend of 0.1858 yuan [8]

Core Viewpoint - The banking industry is facing pressure on net interest margins, leading to a control on liabilities and a reduced likelihood of a deposit competition by the end of 2025 [1][6]. Group 1: Deposit Products and Interest Rates - Some banks have temporarily suspended the issuance of term deposits of 1 year and above, with current rates for shorter-term deposits ranging from 1.25% to 1.45% [1][3]. - Six major state-owned banks have collectively removed 5-year large certificates of deposit (CDs) from their offerings, while still providing various term deposit products with maximum rates of 1.3% [1][4]. - The interest rates for 1-year, 2-year, 3-year, and 5-year term deposits from state-owned banks are approximately between 0.95% and 1.3% [4][5]. Group 2: Net Interest Margin and Loan Quality - As of the end of Q3 2025, the net interest margin for commercial banks was 1.42%, remaining stable compared to Q2 but down by 11 basis points year-on-year [6][7]. - The non-performing loan ratio for commercial banks was 1.52%, an increase of 0.03 percentage points from the previous quarter [1]. - The net interest margin for joint-stock banks and rural commercial banks was relatively higher at 1.56% and 1.58%, respectively, while state-owned banks and city commercial banks had lower margins of 1.31% and 1.37% [7]. Group 3: Strategic Adjustments in Banking - Banks are optimizing their liabilities as a core strategy, with many large and medium-sized banks ceasing the issuance of long-term large CDs since Q2 2024 [4][6]. - The banking sector is focusing on aligning loan pricing with business risks to maintain reasonable net interest margins, amidst concerns of a potential "inversion" between non-performing rates and net interest margins [6][7]. - The trend of deposit rates being lowered has been ongoing, with the latest adjustments occurring on May 20, 2025, marking the seventh reduction since September 2022 [5].

（ 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：00939） 2025年半年度A股分紅派息實施公告 本公告乃根據《香港聯合交易所有限公司證券上市規則》第13.10B條刊登。茲載列 該公告（於上海證券交易所網站刊登）如下，僅供參閱。 特此公告。 中國建設銀行股份有限公司 董事會 2025年12月4日 於本公告日期，本行的執行董事為張金良先生、張毅先生和紀志宏先生，本行的 非執行董事為辛曉岱女士、劉芳女士、李璐女士、李莉女士和竇洪權先生，本行 的獨立非執行董事為威廉 • 科恩先生、梁錦松先生、詹誠信勛爵、林志軍先生和 張為國先生。 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之內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因依 賴該等內容而引致之任何損失承擔任何責任。 证券代码：601939 证券简称：建设银行 ...