人民财讯8月22日电，据保定日报消息，保定银行日前与长城控股集团签署战略合作协议，其中，王成 以保定银行党委书记身份出席签约仪式。此前保定银行党委书记一职由李志永担任，王成原系中国银行 保定分行行长。 ...

Core Insights - The introduction of "immediate tax refund" services at bank branches in Beijing marks a significant innovation in the tax refund process for international travelers, enhancing their shopping experience and boosting tourism [2][3][6] Group 1: Service Implementation - Two China Bank branches in Beijing have been designated as "immediate tax refund" centers, providing a new model for tax refunds to international travelers [2][3] - The initiative is a collaboration between the Beijing Taxation Bureau and China Bank, aiming to optimize the tax refund experience and attract more international consumers [3][5] Group 2: Business Growth - Since the launch of the "immediate tax refund" service on June 1, the business volume has seen a dramatic increase, with a 246% year-on-year growth in tax refund transactions and a 100% increase in sales of tax refund eligible goods [6][7] - The service has processed nearly 400 transactions for travelers from 44 countries, indicating a strong demand and successful implementation of the new model [6][7] Group 3: Future Developments - The Beijing Taxation Bureau plans to expand the number of "immediate tax refund" centers and continuously improve service details based on traveler feedback [9] - The initiative aims to enhance the international influence of Beijing's tourism and consumer market, contributing to the city's goal of becoming a global consumption center [9]

Core Insights - The mobile banking app has become a core platform for commercial banks to serve users, optimize experiences, and enhance competitiveness in the context of national digital transformation and financial technology innovation [1] - The market for mobile banking apps is entering a stage of stock competition, with user flow stabilizing between 650 million to 700 million from 2023 to 2025, indicating saturation [2] - User engagement with mobile banking apps is declining, necessitating refined operational strategies for banks to retain customers [4][6] User Flow and Behavior - The overall user flow of mobile banking apps in China is projected to fluctuate between 650 million and 700 million, with a change rate of -1.2% to 4.6% from 2023 to 2025, indicating market saturation [2] - User engagement metrics show a significant decline, with average daily usage time dropping from 4.93 minutes to 2.70 minutes and daily usage frequency decreasing from 4.54 times to 2.86 times [4] Operational Strategies - Refined operations are essential for banks to break through in a saturated market, focusing on precise user insights and intelligent technology applications [6][7] - The strategy involves three layers: foundational user insights, scenario-based and differentiated operations, and establishing emotional connections with users [7] AI Integration - AI technology is recognized for its potential value across industries, aiding banks in refining operations by enhancing interactive experiences, risk management, and data efficiency [9] Rankings and Performance - The top 50 rankings show that state-owned banks dominate, with Agricultural Bank leading at 240 million average monthly active users (MAU), followed by Industrial and Commercial Bank and China Construction Bank [11][13] - Agricultural Bank's MAU increased by 4.8%, while other major banks like China Bank and Postal Savings Bank also saw growth [12][15] - Among joint-stock banks, China Merchants Bank leads with over 70 million MAU, although many face declining user engagement [16][17] - City commercial banks performed well, with Jiangsu Bank leading at 349.6 million MAU, while private banks like WeBank saw significant declines [19][22] Case Studies of Successful Apps - Agricultural Bank integrates financial services with daily life scenarios, achieving a 4.8% increase in MAU [28][29] - China Merchants Bank continues to innovate its app to meet customer needs and leverage AI advancements [31] - Jiangsu Bank focuses on merging digital capabilities with wealth management, enhancing user experience [33] - Beijing Bank emphasizes a digital transformation strategy that combines technology, scenarios, and services [35]

"想了解和投资中国股票的年轻人越来越多。"韩国人李哲告诉记者，他曾就职于山东一家韩系汽车配件 厂，目前从事贸易工作。李哲本人就有投资中国的股票。"我本来想在中国的证券公司开设账户，但外 国人开户的流程和需要的资料比较复杂。所以只能回到韩国国内的券商开户。好处是方便，但现在只能 投资港股，不能直接投资A股。"李哲告诉记者，十多年前投资中国股票的韩国人并不多，他认识的韩 国人里，主要还是在中国工作过，熟悉中国产业和企业的人。 "因为工作的原因，我比较了解中国的汽车产业。相比韩国的汽车企业，中国企业的创新能力和成本控 制能力强。韩国企业原来一大优势是国际化，但现在中国企业出海的速度也很快。"李哲继续说道，"今 年的情况有些不一样，年轻一代的人越来越关注中国的市场，这或许和去年开始中国对韩国持普通护照 人员试行免签政策有关。越来越多人特别是年轻人，可以到中国了解到真实的发展状况。另外，现在社 交媒体发达，中国出现什么新潮东西，韩国这边很快就知道了。" 事实上，韩国拥有庞大且高度活跃的散户投资者群体。作为一个总人口仅为5000余万人的国家，截至 2023年底的活跃股票交易账户却高达6930万个。在2024年10月前，韩 ...

Core Viewpoint - The internationalization of the Renminbi (RMB) is a core issue for China's financial sector and a crucial support for the new dual circulation development pattern, with the Bank of China playing a leading role in this process through its extensive cross-border financial experience and service network covering 64 countries and regions [1][2]. Group 1: Clearing Network Foundation - The Bank of China has built a comprehensive cross-border clearing network over the past 20 years, becoming a key player in the global RMB clearing network, with operations in 16 countries and regions [1][2]. - The establishment of the RMB clearing bank in Mauritius in June further extends RMB services in Africa, while the bank also serves as a clearing bank in Malaysia, the Philippines, and Cambodia [2]. - In 2024, the Bank of China's cross-border RMB clearing business is expected to exceed 130 trillion yuan, marking a 40.05% year-on-year increase [2]. Group 2: Empowering Cross-Border Usage Scenarios - The Bank of China has actively promoted the use of RMB in trade settlements, particularly in countries involved in the Belt and Road Initiative and RCEP, enhancing the real demand for RMB [3][4]. - The bank has facilitated over 1.2 billion yuan in cross-border RMB settlements in the Sihanoukville Special Economic Zone in Cambodia, with a significant increase in RMB accounts and deposits [3]. - In the Guangxi region, the bank has launched innovative digital RMB payment solutions, including the first cross-border e-commerce payment system [4]. Group 3: Investment and Financing Innovations - The Bank of China has made significant strides in the investment and financing sector, including a landmark 14.2 billion yuan international syndicated loan for an Australian iron ore producer, marking the first RMB syndicated loan for a non-Chinese enterprise [4]. - The bank has maintained its leading position in the Panda bond market, assisting over 70 overseas issuers in raising more than 570 billion yuan [4]. Group 4: Global Ecosystem Collaboration - The Bank of China plays a vital role in building a collaborative ecosystem for RMB internationalization, engaging with foreign central banks, financial institutions, and international organizations [5][6]. - By the end of 2024, the bank's overseas institutions will cover 64 countries, with cross-border RMB settlement volumes reaching 43.06 trillion yuan, maintaining a global leadership position [5][6]. - The bank has been actively involved in promoting RMB internationalization through various forums and market outreach activities, enhancing the international acceptance of RMB [6].

Core Viewpoint - The introduction of "immediate tax refund" services at bank branches in Beijing marks a significant innovation in the tax refund process for international travelers, enhancing their shopping experience and boosting tourism consumption in the capital [1][3][8]. Group 1: Service Implementation - Two branches of Bank of China in Beijing have been designated as "immediate tax refund" points, allowing international travelers to receive tax refunds directly at the bank [1][3]. - The service aims to optimize the tax refund experience for international travelers and enhance the attractiveness of consumption in Beijing [3][5]. Group 2: Growth Metrics - Since the launch of the "immediate tax refund" service on June 1, the business volume has increased significantly, with a reported 246% year-on-year growth in tax refund transactions and a 100% increase in sales of tax refund eligible goods [6][7]. - The service has processed nearly 400 transactions for travelers from 44 countries and regions, indicating a robust demand for the service [6]. Group 3: Future Developments - The Beijing tax authority plans to expand the number of "immediate tax refund" points and continuously optimize service details based on traveler feedback [8]. - The collaboration with Alipay to enable real-time tax refunds into travelers' electronic wallets represents a modernization of the refund process [7][8].

Core Insights - Beijing has launched a new model for tax refunds for outbound travelers, allowing immediate refunds at bank branches, marking a first in the country [1] Group 1: Business Model - The new "buy and refund" service is now available at two Bank of China branches in Beijing, specifically located in the Sanlitun and Xiangyun commercial areas [1] - This initiative aims to provide a safer and more efficient tax refund service for international travelers [1] Group 2: Market Impact - The volume of tax refund business has increased by 246% year-on-year as of this year [1] - The selection of these bank branches was based on factors such as the density of refund stores, the flow of international travelers, and transportation convenience [1]

Core Viewpoint - The People's Bank of China (PBOC) is promoting the development of offshore bonds in Shanghai's free trade zone, transitioning from a "two ends inside" model to a "two ends outside" model, which aims to enhance the internationalization of the Renminbi and broaden financing channels for enterprises involved in the Belt and Road Initiative [1][2][4]. Group 1: Development of Offshore Bonds - The PBOC's recent meeting emphasized the need to develop offshore bonds in Shanghai, with a focus on enhancing the functionality of free trade accounts [1]. - Since June 18, 2023, major state-owned banks in Hong Kong have begun issuing offshore bonds, with the first two issuances being completed in July and August, marking a significant restart of the market [2][4]. - The first issuance by Bank of China Hong Kong was priced at 500 million RMB with an interest rate of 1.65%, while the first public issuance by Bank of Communications Hong Kong had a rate of 1.85% and a three-year term [2]. Group 2: Market Characteristics and Trends - The offshore bonds are characterized by strict adherence to the "two ends outside" principle, meaning both the issuers and investors must be from outside China, which is a shift from the previous model that relied heavily on domestic funding [5][6]. - The offshore bond market has seen a cumulative issuance of 189 bonds from 2019 to 2023, totaling over 120 billion RMB, primarily involving local government financing vehicles [4][6]. - The current trend indicates that the issuers and investors are mainly overseas branches or subsidiaries of Chinese institutions, with expectations for increased participation from foreign investors as the market matures [5][6]. Group 3: Implications for Renminbi Internationalization - The development of offshore bonds is seen as a crucial step in enhancing the Renminbi's role as a financing currency, particularly as global interest rates shift [6][7]. - The PBOC has identified the enhancement of the Renminbi's international monetary function as a key task, with a focus on improving its financing capabilities [6]. - The offshore bond market is expected to help establish Shanghai as a regional bond pricing center and attract foreign investment, thereby increasing the international influence of Renminbi-denominated bonds [5][6].

Core Insights - Beijing has launched a new model for tax refunds for international travelers, allowing immediate refunds at designated bank branches, marking a first in the country [1][4] - The initiative aims to enhance the travel and shopping experience for foreign visitors, with a focus on convenience and efficiency in tax refund processes [2][3] Group 1: Service Implementation - Two branches of Bank of China in Beijing have been designated as "immediate refund" points for tax refunds, located in popular shopping areas [1] - Travelers can choose to receive refunds in cash or through electronic payment methods, enhancing service accessibility [2] - Currently, there are five designated refund points across Beijing, allowing travelers to process refunds from over 1,500 participating stores [2] Group 2: Service Expansion and Impact - The tax refund service has seen significant growth since its launch, with nearly 400 transactions processed for travelers from 44 countries, resulting in a substantial increase in sales and refund amounts [2][3] - The service limits have been raised, allowing refunds up to 220,000 yuan and extending the refund period to 28 days, which facilitates cross-regional tax refund processing [3] - The initiative has contributed to a 246% year-on-year increase in tax refund transactions and a 100% increase in sales of refundable goods since 2025 [3] Group 3: Future Developments - The Beijing tax authority plans to monitor the effectiveness of the new refund points and gather feedback to continuously improve the service [4] - There are intentions to expand the number of refund points to further enhance the convenience for international travelers [4]

Core Viewpoint - The article discusses the recent adjustments in the A-share market, highlighting the challenges faced by new investors in making profits, and the overall market sentiment of uncertainty and volatility [1]. Market Performance - The A-share market experienced fluctuations, with the Shanghai Composite Index rising by 0.13%, while the Shenzhen Component and ChiNext Index fell by 0.06% and 0.47% respectively [10]. - The total trading volume across the Shanghai and Shenzhen markets reached 24,608.75 billion yuan, an increase of 119.53 billion yuan compared to the previous day [10]. - A total of 58 stocks hit the daily limit up, with 15 stocks closing at the limit and 9 stocks achieving consecutive limit ups, the highest being five consecutive limit ups [10]. Sector Performance - The digital currency sector saw significant gains, with stocks like Sanwei Xinan and Xinchen Technology hitting the daily limit up due to reports of potential approval for a roadmap on the internationalization of the renminbi [10]. - The oil and gas extraction and service sectors also performed well, with Huai Oil Co. hitting the daily limit up following a surge in international oil prices [10]. - The combustible ice sector gained traction, with ShenKai Co. hitting the daily limit up after a breakthrough in methane catalytic conversion technology [10]. Institutional Activity - The net outflow of main funds amounted to 578.47 billion yuan, with the machinery equipment sector experiencing the largest outflow [18]. - The top five sectors with net inflows included communication, public utilities, banking, retail, and agriculture [18]. - The top five individual stocks with net inflows were ZTE Corporation, Zhaoyi Innovation, China Oil Capital, Jingbei Fang, and Luxshare Precision [18]. Financial Results - Agricultural Bank of China reported a strong performance, with its latest PB and PE ratios at 0.86 and 8.34 respectively, indicating a premium over the average ratios of the six major banks [6]. - The financial results of several companies for the first half of 2025 showed significant growth, with Jin Qilin's revenue increasing by 24.34% and net profit by 226.14% [16]. - Other companies like Sainuo Medical and Tianyu Digital Science also reported substantial revenue and profit growth, with increases of 12.53% and 296.54% respectively [16].