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六大行科技金融全梳理:多层次组织架构成型,贷款、客户双增
2 1 Shi Ji Jing Ji Bao Dao· 2025-09-17 04:28
Core Insights - The report emphasizes the importance of technological modernization in China's financial sector, highlighting the role of financial support in fostering technological innovation and development [1][2] - The six major state-owned banks have made significant progress in enhancing their technology finance capabilities, with a focus on organizational structure, product development, and differentiated policies [1][3] Group 1: Technological Financial Support - The six major banks have established specialized committees and organizational structures to promote technology finance, with a focus on high-standard services and quality development [2][3] - By mid-2023, the banks reported substantial increases in technology loans and the number of technology enterprise clients, indicating a growing commitment to supporting the tech sector [5][6] Group 2: Organizational Structure and Strategy - Each of the six banks has developed a multi-tiered organizational structure for technology finance, with specialized centers and branches dedicated to serving technology enterprises [3][4] - Construction Bank has established a five-level organizational system to enhance its technology finance capabilities, including the creation of specialized branches and centers [4] Group 3: Loan Growth and Client Base - As of June 2023, the total technology loan balances for the six major banks showed significant growth, with Industrial and Commercial Bank of China exceeding 6 trillion yuan and Agricultural Bank of China growing over 20% [5][6] - The number of technology enterprise clients has also increased, with Agricultural Bank serving nearly 300,000 clients and China Bank providing services to over 160,000 clients [5][6] Group 4: Financial Products and Services - The banks are focusing on a comprehensive product system that includes equity, loans, bonds, and insurance to support technology enterprises throughout their lifecycle [6][7] - Different banks are leveraging their unique strengths to cater to specific sectors, such as Industrial and Commercial Bank focusing on strategic emerging industries and China Bank providing cross-border financial services [6][7] Group 5: Policy Support and Implementation - Recent policy changes have facilitated the expansion of technology enterprise acquisition loans and the issuance of technology innovation bonds, enhancing financial support for the tech sector [7][8] - The banks have successfully implemented these policies, with notable achievements in acquisition loans and technology bond underwriting, indicating a robust response to government initiatives [8][9]
四大行校招释放超7万岗位
2 1 Shi Ji Jing Ji Bao Dao· 2025-09-17 04:23
Group 1: Core Insights - The six major state-owned banks in China have launched their 2026 campus recruitment, showing a trend of "stable total volume and optimized structure" compared to previous years [1][2] - The total recruitment numbers are approximately 20,000 for ICBC, 21,000 for ABC, 17,000 for CCB, and 13,000 for BOC, maintaining levels similar to last year [1][2] - There is an increased demand for composite talents, particularly in artificial intelligence and data analysis, aligning with the government's "Artificial Intelligence +" initiative [1][2] Group 2: Recruitment Plans and Special Programs - ICBC has introduced the "Artificial Intelligence +" initiative, aiming to recruit around 20 individuals with AI and big data backgrounds, who will undergo a year of rotation before being assigned to key departments [2] - ABC plans to recruit 20 for financial technology and data analysis, with a focus on roles that support the "Five Major Articles" of finance [3] - CCB is expanding its private banking sector, with a recruitment of 5 for comprehensive services and management of private banking operations [7] Group 3: Talent Development and Training - The banks are emphasizing dual-track talent supply systems, combining management and specialized roles, with ICBC's "Star Plan" and ABC's training programs focusing on grassroots practice [5][6] - CCB's recruitment includes a two-year training program for new hires, with rotations in various departments to enhance their skills [6] - Postal Savings Bank has implemented the "U + Talent Cultivation Plan," providing structured mentorship and diverse internal mobility paths for new employees [7][8]
四大行校招释放超7万岗位
21世纪经济报道· 2025-09-17 04:18
又到一年秋招季,六大国有银行近日全面启动2026年校园招聘。与往年相比,本次校招呈现 出"总量平稳,结构优化"的鲜明特征。 工行"人工智能+"专项计划招聘20人左右,要求人工智能、大数据等相关专业优先,入职后先 在科技机构和境内分行进行为期一年的轮岗锻炼,期满后返回总行,定向安排到对公、零售、 记者丨 张欣 编辑丨杨希 风控等业务部门相关岗位工作。 从招聘规模来看, 工行计划招聘约2.0万人,农行招聘约2.1万人,建设银行招聘1.7万人,中 行招聘1.3万人,总量与去年基本持平。 从招聘岗位特色来看,复合型人才需求加大,人工智 能、数据分析等岗位与国务院《"人工智能 +"行动意见》形成精准对接。同时,围绕金融"五 篇大文章"设立的绿色金融、乡村振兴等专项岗位继续保持,战略业务人才储备机制迎来系统 性升级。 这一变革在科技岗位设置中表现尤为突出:工行创新推出"人工智能 +"行动专项计划,要求候 选人优先具AI 技术背景,通过"科技机构+分行"轮岗后定向输送至总行核心部门;农行将金融 科技、数据分析专项纳入菁穗培训生体系,直接服务金融"五篇大文章"的数据驱动需求;交通 银行设立科技金融储备生,通过2年分行科技金融 ...
保障金融权益,助力美好生活——山东中行亮相山东省“金号角·金融知识集市”
Qi Lu Wan Bao· 2025-09-17 02:37
Core Viewpoint - The event "Financial Education Promotion Week" was launched in Shandong, focusing on enhancing financial literacy and consumer rights protection through various interactive activities and exhibitions [1][3]. Group 1: Event Overview - The event was held on September 15 at Jinan Quancheng Square, organized by Shandong Financial Regulatory Bureau, People's Bank of China Shandong Branch, and Shandong Securities Regulatory Bureau [1]. - Shandong Bank collaborated with its insurance subsidiaries to showcase financial education initiatives [1]. Group 2: Financial Education Initiatives - Shandong Bank created a "Consumer Protection Chinese Medicine Shop" to promote financial knowledge, featuring interactive modules and real-life case studies [3]. - The bank highlighted its commitment to public welfare through various initiatives, including the first mortgage loan for allocated affordable housing in Jinan and the establishment of an AIC equity investment fund [3]. Group 3: Outreach and Engagement - Shandong Bank launched the "Zhonghang Consumer Protection Qilu Action" brand, conducting over 7,000 financial education activities that reached nearly 100 million consumers [5]. - The bank organized unique activities like "Hometown Talks on Consumer Protection" to bring financial education to rural and urban areas [5]. Group 4: Interactive Experience - The event featured an interactive experience area where financial knowledge was presented in engaging formats, including quizzes and lucky draws [5]. - Various educational materials were available, covering topics such as credit card protection and fraud prevention, with dedicated staff providing guidance to attendees [6]. Group 5: Social Responsibility - The event not only improved financial literacy among citizens but also demonstrated Shandong Bank's commitment to consumer rights protection and social responsibility [7]. - The bank plans to continue collaborating with various stakeholders to foster a safe and harmonious financial consumption environment [7].
六大行集体公告!启动
Jing Ji Wang· 2025-09-17 02:24
随着"金九银十"求职季的到来,一年一度的银行秋季校园招聘也陆续拉开帷幕。 《金融时报》记者注意到,近日,工、农、中、建、交、邮储六家国有大行集体发布了2026年度校园招 聘的公告,纷纷面向海内外的应届毕业生抛出"橄榄枝",招聘机构不仅包括总行本部,还包括各分支机 构及直属单位。 六大行开启"秋招模式" 根据建设银行发布的校园招聘计划,建行总行2026年度计划招收共计130名应届毕业生,其中,总行部 门经办岗计划招收120人,信用卡中心计划招收10人;今年9月,交通银行及邮储银行总行、控股子公 司、信用卡中心及分支机构等也同步开启了校园招聘。 值得关注的是,在六大行总行的招聘中,各家银行均要求应聘者须为具有境内外普通高等院校硕士研究 生及以上学历的2026年应届毕业生,且毕业时间在2025年1月至2026年7月之间。 复合型人才备受青睐 随着数字化转型的深入推进,各家银行对于金融科技人才的需求依旧有增无减。《金融时报》记者注意 到,在2026年度校园招聘中,六大行均发布了金融科技相关的若干岗位。 在今年秋招季,工商银行继续加大了科技人才招聘力度,其中,工商银行总行开启了"人工智能+"专项 招聘,分支机构则设置" ...
中国银行云南省分行和新航道昆明学校成功举办“家有儿女要留学”跨境金融教育主题报告会
Zhong Guo Jin Rong Xin Xi Wang· 2025-09-17 02:20
Core Insights - The event "Study Abroad for Children" was successfully held in Kunming, co-hosted by Bank of China Yunnan Branch and New Channel Kunming School, focusing on study abroad planning and cross-border financial services [1][3] - The event highlighted the increasing demand for quality international education and professional financial services among families in Yunnan [5] Group 1: Event Overview - The event featured speeches from key representatives, including Wu Tao, Vice President of Bank of China Yunnan Branch, and Li Hua, Deputy General Manager of the Personal Finance Department [1] - The event provided professional and comprehensive financial and educational guidance for families intending to send their children abroad [1] Group 2: Financial Services - Qiao Li, Cross-Border Product Manager of the Personal Finance Department, presented on the advantages of Bank of China's cross-border services, including study abroad account opening, foreign currency exchange, and cross-border remittances [3] - Bank of China leverages its century-long international service experience and global network to offer safe, convenient, and efficient cross-border financial solutions, helping families mitigate exchange rate risks and optimize fund allocation [3] Group 3: Educational Insights - Hu Min, Chairman of New Channel International Education Group, delivered a keynote speech on international education path planning, trends in studying abroad at a young age, and educational choices in the era of artificial intelligence, resonating with the audience [5] - The interactive segment of the event saw enthusiastic participation, reflecting the urgent need for quality international education and professional financial services among local families [5] Group 4: Future Initiatives - Bank of China Yunnan Branch plans to continue launching more exclusive financial products and service activities tailored for study abroad families, supporting their educational aspirations [5] - The event reinforced the trust between the bank and its clients, showcasing Bank of China's expertise and social responsibility in the cross-border financial sector [5]
银行信用卡中心秋招开启!这两类人才受青睐→
Jin Rong Shi Bao· 2025-09-17 02:17
Core Insights - The recruitment trend in bank credit card centers is shifting towards more refined and specialized job classifications, reflecting the need for targeted talent acquisition in a competitive market [1][2][4] - The focus on technology and AI-related roles is increasing, as banks aim to enhance their digital transformation and operational efficiency through specialized skill sets [3][4] Group 1: Recruitment Trends - Banks are moving from broad job categories to detailed classifications, with positions categorized into technical, functional, market, data, and product roles, leading to a total of 16 specific recruitment directions at institutions like China Merchants Bank [1][2] - The emphasis on hiring innovative and digital talent is a response to the intensifying competition and the need for banks to develop unique products that meet diverse customer needs [2][4] Group 2: Technology and Digital Transformation - The demand for technology and AI talent is evident, with major banks like ICBC and Bank of China actively recruiting for roles focused on financial technology and data analysis, which are crucial for the digital transformation of credit card services [3][4] - The integration of big data, AI, and blockchain technologies is accelerating the digitalization of credit card operations, making technology a core driver of business development rather than just a support tool [3][4] Group 3: Future Directions - Experts predict that the future of bank credit card services will involve deeper integration into various vertical scenarios, enhancing user lifecycle value through a "credit card + scenario service" model [5] - There will be a stronger emphasis on refined operations, utilizing big data and AI for tiered management of users, offering personalized benefits and services tailored to different customer segments [5][6]
瀛晟科学(00209)股东将股票由希望证券转入中国银行(香港) 转仓市值372.61万港元
智通财经网· 2025-09-17 00:53
Group 1 - The core point of the article is that Ying Sheng Science (00209) has engaged in a share placement agreement, raising approximately HKD 10.83 million through the issuance of new shares at a price of HKD 0.350 per share [1] - On September 16, shareholders transferred shares worth HKD 3.7261 million from Hope Securities to Bank of China (Hong Kong), representing 8.45% of the total shares [1] - The share placement involves issuing 30.9515 million new shares, which accounts for about 16.67% of the company's total issued shares post-placement [1] Group 2 - The estimated net proceeds from the placement, after deducting all related expenses, are approximately HKD 10.32 million [1] - The company plans to allocate around 50% of the net proceeds for loan repayment and the other 50% for operational funds and general corporate purposes [1]
瀛晟科学股东将股票由希望证券转入中国银行(香港) 转仓市值372.61万港元
Zhi Tong Cai Jing· 2025-09-17 00:50
配售股份的总面值将为30.95万港元。配售事项的所得款项总额将为1083.3万港元。经扣除所有相关开支 后,配售事项的所得款项净额估计约为1032万港元,其约50%拟用作偿还贷款,及约50%拟用作集团营 运资金及一般企业用途。 9月11日,瀛晟科学发布公告,于当日交易时段后,公司与配售代理订立配售协议,据此,配售代理同 意按悉数包销基准按每股配售股份0.350港元的价格为及代表公司向不少于六名承配人配售3095.15万股 新股份,占经配售事项扩大后公司已发行股份总数约16.67%。配售股份将根据一般授权配发及发行。 香港联交所最新资料显示,9月16日,瀛晟科学(00209)股东将股票由希望证券转入中国银行(香港),转 仓市值372.61万港元,占比8.45%。 ...
深圳多家银行披露信贷业务第三方合作机构 催收代理成看点
Nan Fang Du Shi Bao· 2025-09-16 17:59
保障金融消费者知情权与选择权,深圳又有行动。9月16日,深圳首批8家银行业金融机构通过各自官方 信息发布平台,统一公布了信贷业务第三方合作机构名单。记者看到,8家机构包括工商银行深圳市分 行、农业银行深圳市分行、中国银行深圳市分行、建设银行深圳市分行、招商银行深圳分行、北京银行 深圳分行、微众银行、招联消金。记者注意到,本次8家金融机构集体"官宣",恰逢"深圳2025金融教育 宣传周"期间。 9月15日,深圳金融监管局、深圳市地方金融管理局等启动深圳第三届金融教育宣传节暨2025年金融教 育宣传周,围绕"保障金融权益""防范非法金融""风险提示送上门"等主题,构建金融素养提升新矩阵。 记者注意到,本次公布的信贷业务第三方合作机构主要包括了营销获客、担保增信、催收服务这三类机 构名单。 深圳市银行业协会表示,此次面向社会公布第三方合作机构名单,是保障金融消费者知情权与选择权, 强化金融消费者权益保护的有益尝试;是规范银行业金融机构与第三方合作行为,协同打击不法贷款中 介乱象,反对无序竞争的积极举措。 实际上,不法贷款中介乱象层出不穷,规范与第三方合作行为也被提上议事日程。 今年7月中旬,中国银行、工商银行、农业 ...