二是12家全国性股份制商业银行，包括中信银行股份有限公司、中国光大银行股份有限公司、华夏银行 股份有限公司、中国民生银行股份有限公司、招商银行股份有限公司、兴业银行股份有限公司、广发银 行股份有限公司、平安银行股份有限公司、上海浦东发展银行股份有限公司、恒丰银行股份有限公司、 浙商银行股份有限公司、渤海银行股份有限公司。 三是5家其他个人消费贷款发放机构，包括深圳前海微众银行股份有限公司、重庆蚂蚁消费金融有限公 司、招联消费金融股份有限公司、兴业消费金融股份有限公司、中银消费金融有限公司。 《实施方案》指出，鼓励地方财政部门结合实际情况对其他经营个人消费贷款业务的金融机构给予财政 贴息支持，扩大政策覆盖面。 贴息标准方面，《实施方案》明确，年贴息比例为1个百分点（按符合条件的实际用于消费的个人消费 贷款本金计算），且最高不超过贷款合同利率的50%，中央财政、省级财政分别承担贴息资金的90%、 10%。贷款合同利率需要符合相应利率自律约定。政策执行期内，每名借款人在一家贷款经办机构可享 受的全部个人消费贷款累计贴息上限为3000元（对应符合条件的累计消费金额30万元），其中在一家贷 款经办机构可享受单笔5万元以 ...

Core Viewpoint - The article discusses the implementation of a fiscal subsidy policy for personal consumption loans in China, aimed at boosting consumer spending and stimulating domestic demand from September 1, 2025, to August 31, 2026 [2][4][5]. Policy Content - The subsidy applies to personal consumption loans issued by financial institutions, excluding credit card transactions, that are used for consumption and can be verified through loan accounts [6][7]. - Eligible consumption areas include purchases under 50,000 yuan and significant expenditures such as home appliances, automobiles, education, and healthcare [6][7]. - The annual subsidy rate is set at 1% of the loan principal, capped at 50% of the loan contract interest rate, with the central and provincial governments covering 90% and 10% of the subsidy, respectively [7][8]. Loan Processing Institutions - The policy includes six major state-owned banks and twelve national joint-stock commercial banks, as well as five other financial institutions that provide personal consumption loans [8]. Implementation Organization - Financial institutions must estimate their loan issuance and subsidy needs within 30 days of the policy's announcement and submit applications for pre-allocated subsidy funds [9]. - Institutions are responsible for calculating the subsidy amount based on the policy's stipulations and informing borrowers of the subsidy details [9][10]. Supervision and Management - The Ministry of Finance is tasked with formulating the subsidy policy and overseeing the allocation of funds, while the People's Bank of China will ensure compliance with interest rate policies [13][15]. - Local financial departments are responsible for auditing and disbursing subsidy funds, ensuring that the funds are used specifically for consumer loans [15].

Group 1 - The banking industry is experiencing a new wave of competition for fintech talent, particularly in artificial intelligence, as banks initiate recruitment for the 2026 campus hiring season [1][3] - Major banks, including Bank of Communications and China Merchants Bank, are actively seeking AI algorithm engineers and other tech roles, emphasizing the importance of skills in AI and data analysis [1][3] - The demand for AI and big model talent in the banking sector is expected to surge, with a shift from traditional internet and programming skills to a focus on AI and data analytics [7] Group 2 - Shanghai Rural Commercial Bank has also launched its recruitment for fintech talent, targeting various roles in software development and AI, indicating a broader trend among banks to attract tech-savvy graduates [4] - China Construction Bank has introduced a summer internship program specifically for fintech positions, offering incentives for outstanding interns to secure job offers [4][6] - The competitive landscape for fintech talent is intensifying, with banks recognizing that the ability to leverage AI tools is crucial for maintaining a competitive edge in the industry [7]

【大河财立方消息】8月12日消息，财政部、中国人民银行、国家金融监管总局印发《个人消费贷款财 政贴息政策实施方案》。 其中提到，2025年9月1日至2026年8月31日期间，居民个人使用贷款经办机构发放的个人消费贷款（不 含信用卡业务）中实际用于消费，且贷款经办机构可通过贷款发放账户等识别借款人相关消费交易信息 的部分，可按规定享受贴息政策。贴息范围包括单笔5万元以下消费，以及单笔5万元及以上的家用汽 车、养老生育、教育培训、文化旅游、家居家装、电子产品、健康医疗等重点领域消费。对于单笔5万 元以上的消费，以5万元消费额度为上限进行贴息。政策到期后，可视实施效果研究延长政策期限、扩 大支持范围。 年贴息比例为1个百分点（按符合条件的实际用于消费的个人消费贷款本金计算），且最高不超过贷款 合同利率的50%，中央财政、省级财政分别承担贴息资金的90%、10%。贷款合同利率需要符合相应利 率自律约定。政策执行期内，每名借款人在一家贷款经办机构可享受的全部个人消费贷款累计贴息上限 为3000元（对应符合条件的累计消费金额30万元），其中在一家贷款经办机构可享受单笔5万元以下的 个人消费贷款累计贴息上限为1000元（对 ...

贴息标准方面，《实施方案》明确，对于经办银行向服务业经营主体发放的贷款，财政部门按照贷款本 金对经营主体进行贴息，贴息期限不超过1年，年贴息比例为1个百分点，中央财政、省级财政分别承担 贴息资金的90%、10%。单户享受贴息的贷款规模最高可达100万元。相关贷款包括用于改善消费基础 设施的固定资产贷款以及用于提升服务供给能力的流动资金贷款。同一笔贷款不得重复享受中央财政其 他贴息政策；已享受地方财政相关贴息政策的，此次贴息不得超出扣除已有贴息后的实际利率水平。 北京商报讯（记者 宋亦桐）8月12日，据财政部官网消息，为贯彻落实党中央和国务院关于大力提振消 费、全方位扩大国内需求的决策部署，财政部、民政部、人力资源社会保障部、商务部、文化和旅游 部、国家卫生健康委、中国人民银行、金融监管总局、体育总局发布关于印发《服务业经营主体贷款贴 息政策实施方案》的通知（以下简称《实施方案》）。 据了解，中央财政给予贴息的服务业经营主体贷款经办银行为21家全国性银行，包括国家开发银行、中 国进出口银行、中国农业发展银行、中国工商银行股份有限公司、中国农业银行股份有限公司、中国银 行股份有限公司、中国建设银行股份有限公司、交 ...

Core Viewpoint - The implementation plan for the service industry loan interest subsidy policy aims to boost consumption and expand domestic demand as directed by the central government [1] Group 1: Policy Overview - The plan specifies the support scope, which includes loans issued to service industry entities in eight consumption sectors: catering and accommodation, health, elderly care, childcare, housekeeping, cultural entertainment, tourism, and sports [2] - Loans must be signed between March 16, 2025, and December 31, 2025, and funds must be used to improve consumption infrastructure and enhance service supply capacity [2] Group 2: Subsidy Standards - The interest subsidy standard is set at 1% per annum for a maximum period of one year, with the central and provincial finances covering 90% and 10% of the subsidy, respectively [3] - Each entity can receive a maximum loan of 1 million yuan, which can be used for fixed asset loans and working capital loans aimed at improving service capabilities [3] Group 3: Participating Banks - The plan identifies 21 national banks as the lending institutions eligible for the interest subsidy, including major banks such as the Agricultural Bank of China, Industrial and Commercial Bank of China, and China Construction Bank [4]

加快构建以国内大循环为主体、国内国际双循环相互促进的新发展格局，是国家重大战略部署。建 设银行供应链金融立足于服务供应链实体交易，聚焦提高要素配置效率，推动产业链和资金链协同发展 和渗透融合，打造契合企业购、产、销管理的配套金融服务，从而贯穿生产、分配、流通、消费各环 节，沿着产业链条、生态网络，全面触达服务实体客户，精准滴灌金融活水，推动产业链各环节衔接顺 畅，打通资金链堵点、续接交易链断点，提升社会创新能力，有效助力畅通国内大循环、支持实体经济 发展。 2021年，建设银行充分发挥供应链金融输血保链、降本稳链、增效强链作用，依托集团级供应链服 务平台，累计服务于近6000个核心企业产业链上的近10万户链条客户，提供供应链融资支持超8000亿 元，推动产业链各环节衔接顺畅，帮助产业链活起来、转起来，为助力构建"双循环"新发展格局贡献建 行力量。 产业是乡村发展的命脉，产业振兴是乡村振兴的关键。建设银行聚焦糖、棉等区域特色产业，围绕 农产品种植、加工、交易全产业链环节，通过与龙头企业合作，基于真实稳定的交易背景，将在线融资 服务沿着产业链穿透到小微企业和C端农户，将金融活水沿着农业产业链条引流到田间地头、灌溉 ...

监管审批或稳步推进 据证监会官网披露的信息梳理，目前共有48家证券公司、银行和金融公司获得证券投资基金托管资 格，其中银行有21家，包含渣打银行（中国）、花旗银行（中国）和德意志银行（中国）3家外资银 行。 继2014年江苏银行获批后，苏州银行日前发布公告称已获得证券投资基金托管资格，这是又一中资 银行拿到托管"资格证"。 "托管人是资管行业的'守门人'，掌握或参与各类资管业务的资金流动和证券交割，位置至关重 要，因此监管层对银行资质要求极其严格。"中信证券首席经济学家明明在接受记者采访时表示，对于 金融机构而言，获得证券投资基金托管资质意味着其自身实力受到监管和市场认可，有利于通过发展托 管业务拓宽其他各类业务，壮大自身体量。 中国银行研究院研究员原晓惠对记者表示，在利率市场化改革银行净利息收入承压的背景下，获得 基金托管资质利于银行拓展中间收入业务、提升业务多样性。特别是在公募基金方面，银行相比于券商 等金融机构，有较坚实的客户基础和渠道优势，有利于培养较强的竞争力。 托管业务正被越来越多的银行所看重。数据显示，2021年以来，截至3月23日，银行间基金托管总 规模近26.24万亿元，不过，规模排名前十均 ...

积分可兑权益 年减少碳排放百万吨 碳账户是包含碳排放数据采集、碳核算、碳排放等级评价和场景应用等功能在内的碳减排支持体 系，能够帮助企业和居民算清"碳账"，提高减排效率和意识。对于个人碳账户，通俗理解即与"蚂蚁森 林"类似，可以记录、量化个人的节能减排行为。 中信银行日前宣布，面向个人用户推出的"中信碳账户"内测版上线，该账户与深圳排放权交易所、 上海环境能源交易所开展合作交流，联合国内专业机构中汇信碳资产管理有限公司共同研发首个由国内 银行主导推出的个人碳账户。体验者在线开通个人碳账户，可获取关联个人低碳行为的碳减排量。 据"中信碳账户"核算预测，每年中信银行信用卡用户通过在线金融服务方面的低碳行为，累计可减少约 200万吨以上的碳排放，未来用户碳减排市场潜力巨大。 "目前内测版已经上线生活缴费网上办理、申请电子信用卡、开通电子账单等低碳行为的碳减排量 核算。即将上线的公开版还将包含绿色出行、二手回收等更丰富的绿色低碳生活场景。"中信银行有关 负责人表示。 事实上，已有多家银行通过不同方式尝试个人碳账户建设。记者注意到，3月初北京金融科技创新 监管工具实施工作组公示，建设银行拟打造客户的个人"碳账本"。"碳 ...

Core Insights - The widespread application of intelligent customer service is a reflection of how fintech is reshaping banking services [1][3] - The digital transformation of banks is deepening, with a significant reduction in customer visits to physical branches, leading to the adoption of intelligent customer service as a standard [2][3] Group 1: Industry Transformation - The number of bank customer service personnel in China decreased to 50,200 by the end of 2021, down by 4,200 from 2020, marking a shift from previous growth trends [3] - The total amount of off-counter transactions in the banking sector reached 257.28 trillion yuan in 2021, a year-on-year increase of 11.46%, with an average electronic channel diversion rate of 90.29% [3] - The COVID-19 pandemic has accelerated the digital transformation of banks, pushing user habits further online and increasing the frequency and depth of online interactions [3] Group 2: Investment in Technology - In 2020, A-share listed banks invested 207.8 billion yuan in information technology, a year-on-year increase of 25% [6] - Major state-owned banks invested nearly 100 billion yuan in fintech in 2020, with Industrial and Commercial Bank of China investing 23.82 billion yuan, a 45.47% increase year-on-year [7] - China Merchants Bank reported an information technology investment of 13.29 billion yuan in 2021, a year-on-year increase of 11.58%, accounting for 4.37% of its operating income [7] Group 3: AI and Customer Service - In 2021, China Merchants Bank's AI initiatives replaced over 6,000 human roles through intelligent customer service and related technologies [4] - Intelligent customer service has expanded its application beyond routine inquiries to marketing and collection efforts, with voice robots effectively screening potential customers [5] - A report indicated that the satisfaction level of intelligent customer service is limited, with common complaints about repetitive responses and inadequate problem-solving capabilities [5] Group 4: Competitive Landscape - The demand for AI in the financial sector is steadily increasing, with total AI investment expected to exceed 22 billion yuan in 2022 [9] - Companies like BaiRong Cloud have reported significant revenue growth, with a 43% increase in total revenue to 1.623 billion yuan in 2021 [9] - Smaller banks are beginning to adopt AI technologies, with Guilin Bank collaborating with iFlytek to launch a virtual digital employee for customer service [10]