两个字的变化，如何搅动规模32万亿人民币的大市场？近日，中国保险资产管理业协会正式更名为"中 国银行保险资产管理业协会"，新增"银行"二字，意味着哪些变化？来看本期飞钱说。 （文章来源：21世纪经济报道） ...

记者丨黎雨桐 编辑丨吴桂兴 11月28日，A股11月收官。沪指本月累计跌1.67%，月中续创十年新高后震荡回落，终结月线六连阳。 28日收盘，A股股指悉数飘红。 | 行情 | 资金净流入 | 涨跌分布 | | --- | --- | --- | | 上证指数 | 深证成指 | 北证50 | | 3888.60 | 12984.08 | 1387.70 | | +13.34 +0.34% +108.89 +0.85% | | +5.38 +0.39% | | 科创50 | 创业板指 | 万得全A | | 1327.15 | 3052.59 | 6205.68 | | +16.45 +1.25% +21.29 +0.70% | | +47.36 +0.77% | | 沪深300 | 中证500 | 中证A500 | | 4526.66 | 7031.55 | 5440.94 | | +11.26 +0.25% | +80.27 +1.15% | +25.02 +0.46% | | 中证1000 | 深证100 | 中证红利 | | 7334.21 | 5694.00 | 5545.84 | | +76.76 +1 ...

记者丨黎雨桐 编辑丨吴桂兴 11月28日，A股11月收官。沪指本月累计跌1.67%，月中续创十年新高后震荡回落，终结月线六连阳。28日收盘，A股股指悉数飘红。 | 行情 | 资金净流入 | 涨跌分布 | | --- | --- | --- | | 上证指数 | 深证成指 | 北证50 | | 3888.60 | 12984.08 | 1387.70 | | +13.34 +0.34% +108.89 +0.85% | | +5.38 +0.39% | | 科创50 | 创业板指 | 万得全A | | 1327.15 | 3052.59 | 6205.68 | | +16.45 +1.25% +21.29 +0.70% +47.36 +0.77% | | | | 沪深300 | 中证500 | 中证A500 | | 4526.66 | 7031.55 | 5440.94 | | +11.26 +0.25% +80.27 +1.15% +25.02 +0.46% | | | | 中证1000 | 深证100 | 中证红利 | | 7334.21 | 5694.00 | 5545.84 | | +76.76 +1. ...

在金融供给侧改革深化与房地产风险化解协同推进的关键阶段，不良资产证券化正成为商业银行盘活存量、防控系统性风险的重要制度工具。11月27日， 渤海银行（9668.HK）在中国货币网披露《渤鑫2025年第一期不良资产支持证券发行说明书》，宣布发行总额2.9亿元的不良个人住房抵押贷款ABS，优先 档获中债资信与联合资信双AAAsf评级。 近期以来，建设银行（601939.SH）、中国银行（601988.SH）、民生银行（600016.SH）、中信银行（601998.SH）、招商银行（600036.SH）等多家银行 密集发行以不良个人住房抵押贷款为基础资产的资产支持证券。这些产品结构高度相似：优先/次级分层、固定利率、过手摊还，并依赖抵押物变现回收 支撑现金流。尽管基础资产均为"不良"状态，但评级机构普遍给予优先档较高信用等级，理由集中于抵押物类型单一（均为住宅）、一二线城市占比较 高、超额覆盖机制完善等。 这一动向背后，正值房地产市场持续承压、居民杠杆高企、按揭不良率缓慢抬升的宏观背景下。尽管监管层通过LPR调降、存量房贷利率下调等政策缓解 居民还款压力，但银行体系对不良资产的主动管理意愿明显增强。证券化正成为银行 ...

初冬时节的天津解放北路，金黄梧桐叶与古老建筑群交相辉映，古朴而温暖。 历经三年半的攻坚与十几轮展陈方案的打磨，2022年2月5日，在中国银行成立110周年之际，中国银行 （天津）博物馆正式向社会公众开放。展馆共630余件展品，其中实物展品超过半数。其意义不仅是一 座场馆的建成，更是一段沉睡的金融记忆被激活，转化为可感可触的文化载体。 创新叙事：七大展区"解码"金融文化基因 一走进中国银行（天津）博物馆，彩色玻璃天花板、对称的大理石回廊、图案精美的玻璃窗就映入眼 帘，感受到浓郁的古典气息。 漫步这条海河之畔的"东方华尔街"，中国近代金融史的繁华与沧桑、民族工商业的艰辛与辉煌，乘着微 微和风，扑面而来。 行至这条街与营口道交会处，一座欧洲新古典主义建筑就在眼前。在阳光映照下，它的灰黄格调愈加优 雅，它的八根石柱愈加雄伟。 这座门牌为八十号的老建筑，建于1926年。从中国银行天津市分行办公地，再到中国银行（天津）博物 馆，这里是近百年历史发生地，亦是近百年历史见证者。从昔日"金融地标"到今日"文化坐标"，这里的 一砖一瓦、一草一木，以及馆内600多件金融史料，串联起中国金融业与民族复兴同频共振的记忆，讲 述着近百年 ...

| 2025 G-SIBs | G-SIBs 2012-2025 | | --- | --- | | | G-SIBs as of November 2025 allocated to buckets corresponding to | | | required levels of additional capital buffers | | | Compared with the list of G-SIBs published in 2024, two banks have moved to a higher bucket: Bank of America and Industrial and Commercial Bank of China have moved from bucket 2 to bucket 3. One | | | bank has moved to a lower bucket: Deutsche Bank has moved from bucket 2 to bucket 1. | | Bucket | C-2IB | | 5 (3.50%) | (Empty) | | 4 ( ...

中国银行股份有限公司（简称"中国银行"或"本行"）董事会及全体董事保证本公告内容不存在任何虚假 记载、误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 重要内容提示： ● 本次会议是否有否决议案：无 一、会议召开和出席情况 (一)股东会召开的时间：2025年11月27日 (二)股东会召开的地点：中国北京市西城区复兴门内大街1号中国银行总行大厦 (三)出席会议的普通股股东及其持有股份情况： ■ 根据本行公司章程及本次股东会情况，本次股东会的议案无需由本行优先股股东审议，因此，优先股股 东未出席本次股东会。 (四)会议主持情况及表决方式 本次股东会由本行董事长葛海蛟先生主持。会议采取现场投票和网络投票相结合的表决方式，符合《中 华人民共和国公司法》《上市公司股东会规则》《上海证券交易所上市公司自律监管指引第1号一一规 范运作》和本行公司章程的有关规定。 (五)本行董事和董事会秘书的列席情况 1.本行在任董事15人，列席13人，独立非执行董事刘晓蕾女士、高美懿女士因其他重要公务未能列席会 议。 2.本行高级管理人员列席会议。 (一)非累积投票议案 1.议案名称：中国银行2025年中期利润分配 ...

Core Viewpoint - Major state-owned banks and some joint-stock banks in China have recently suspended the sale of 5-year large-denomination time deposits, with current offerings primarily focused on 1-month to 3-year products [1] Group 1: Bank Actions - Six major state-owned banks, including ICBC, ABC, BOC, CCB, BOCOM, and PSBC, along with several joint-stock banks, have withdrawn long-term deposit products [1] - Many small and medium-sized banks have also announced the suspension of 3-year and 5-year fixed deposit products while simultaneously lowering interest rates across various deposit terms [1] - The remaining large-denomination time deposits are mostly concentrated in 1-month, 3-month, and 3-year terms, with 3-year products becoming the primary long-term offering [1] Group 2: Interest Rate Trends - The interest rates for 3-year large-denomination time deposits generally range from 1.5% to 1.75%, with reports of "tight quotas" and "sold out" situations being common [1] - The average net interest margin for commercial banks has dropped to a historical low of 1.42% in Q3, reflecting the pressure on bank profitability [2] Group 3: Strategic Adjustments - The adjustments in long-term deposit products are a response to the narrowing net interest margin, aimed at alleviating profitability pressures [2][3] - The shift indicates a transition from a focus on scale expansion to a more refined approach that emphasizes the quality of liabilities [3] Group 4: Future Outlook - There is potential for further reductions in deposit rates as banks continue to adjust high-cost deposit products [4] - Investors are advised to monitor market dynamics closely, including LPR adjustments and regulatory changes, while diversifying their asset allocation based on risk preferences [4]

Core Viewpoint - The major state-owned banks in China have collectively removed five-year large-denomination time deposits, indicating a trend of declining long-term deposit products in the banking industry [1][2][4] Group 1: Changes in Deposit Products - The six major state-owned banks have eliminated five-year large-denomination time deposits, with only three-year products remaining, which have seen interest rates drop to between 1.5% and 1.75% [1] - The first bank to announce the cancellation of five-year time deposits was Tongyu County Mengyin Village Bank, which will stop offering this product starting November 5, 2025 [1] - Other banks, including at least seven private banks, have also begun to remove five-year time deposits, reflecting a broader trend in the industry [3][4] Group 2: Interest Rate Adjustments - The interest rates for various deposit products have been adjusted downwards, with one-year and two-year rates reduced by 5 basis points to 1.45% and 1.55%, respectively, and the three-year rate decreased by 10 basis points to 1.85% [3] - The adjustments are a response to the pressure on net interest margins faced by banks, as the yield on assets (like loan rates) is declining while the cost of liabilities (like deposit rates) remains rigid [2][4] Group 3: Industry Context and Implications - The banking industry is experiencing a "two-sided squeeze" where declining loan rates and high competition for deposits are pressuring net interest margins, leading to the reduction of long-term high-interest deposit products [4] - A survey indicated that 62.3% of urban depositors prefer to save more, a slight decrease from the previous quarter, suggesting a shift in savings behavior due to lower interest rates [4] - Analysts predict that while long-term deposits will not completely disappear, they will exhibit differentiated supply characteristics, with state-owned banks likely retaining five-year deposits as service tools but at potentially lower rates [5]

据股东会会议资料披露，建设银行2025年上半年，集团口径下归属于该行股东税后利润人民币1620.76 亿元，向全体普通股股东（于2025年12月10日收市后名列股东名册的股东）派发现金股息人民币486.05 亿元，每10股现金股息人民币1.858元（含税），分红比例30.0%，由高级管理层根据法律法规、有关部 委及监管要求、公司章程的相关规定负责2025年中期利润分配方案的具体实施。股东会会议资料显示， 本项议案已于2025年8月29日经该行董事会会议审议通过。如经2025年第二次临时股东会会议批准， 2025年度H股中期现金股息预期将于2026年1月26日派发，2025年度A股中期现金股息预期将于2025年12 月11日派发。 北京商报讯（记者孟凡霞周义力）11月27日，建设银行发布2025年第二次临时股东会会议决议公告，会 议审议通过了《关于中国建设银行股份有限公司2025年中期利润分配方案的议案》。 同日，中国银行发布2025年第四次临时股东会决议公告，会议审议通过了《中国银行2025年中期利润分 配方案》，该行将按照普通股每股派息人民币0.1094元（税前）向截至2025年12月10日（星期三）收市 ...