齐鲁晚报·齐鲁壹点记者 尚青龙 通讯员 韩通川 光刻设备的细微光束雕琢芯片肌理，智能机械臂的精准运转串联制造脉络，生物实验室的精密仪器孕育 农业新篇，新能源厂房的流水线涌动绿色动能……"10+1"现代产业体系各赛道生机盎然，勾勒出产业能 级跃升、经济质效双优的鲜活发展图景。中国银行青岛市分行（以下简称"青岛中行"）紧扣城市产业脉 搏，立足集团综合化、全球化优势，将金融活水精准滴灌产业根系，在先导产业突破、新兴产业崛起的 浪潮中，成为青岛产业高质量发展的坚定护航者，助力青岛描绘出"10+1"现代产业体系"点"上突 破、"廊"上聚集、"面"上协同的高质量发展画卷。 深耕产业"脉"：厚植创新发展金融沃土 "10+1"产业体系是构筑现代产业优势的核心支撑，是激活经济活力、提升城市能级的关键引擎。产业 兴，则城市兴。青岛中行紧扣"10+1"产业40个细分赛道布局，坚持"一链一策、一企一方案"，将金融资 源精准投向智能装备、绿色能源等重点领域，全力构建全方位产业金融服务体系。 制度筑基，精准护航成长路。锚定"10+1"现代产业体系企业发展痛点，依托总行专项管理办法，理顺权 责链条、优化审批效能，创新推出科技金融专属授信模 ...

Core Viewpoint - Guizhou Moutai announced a cash dividend of 23.957 yuan per share, totaling 30 billion yuan, as part of a broader trend of cash dividends in the A-share market ahead of the Spring Festival [1][4] Group 1: Dividend Distribution - A total of 75 listed companies are set to distribute 240.21 billion yuan in cash dividends from December 8 to December 19 [1] - The four major banks, including Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, and China Construction Bank, announced a combined cash dividend of 176.1 billion yuan, accounting for 27% of the total mid-term dividends declared [3][4] - The total mid-term cash dividend plan announced by A-share companies this year reached 780.73 billion yuan, with a year-on-year increase of 11% for companies listed on the Shanghai Stock Exchange [4] Group 2: Policy and Market Trends - The implementation of "pre-Spring Festival dividends" has become a widespread practice among listed companies, driven by policy guidance and compliance requirements [3] - The new policies introduced by the State Council in April 2024 encourage companies to optimize their dividend strategies, including multiple dividends per year and pre-Spring Festival dividends [3] - Analysts believe that the trend of pre-Spring Festival dividends reflects a commitment to enhancing investor returns and improving investor relations [4][5] Group 3: Future Outlook - There are still 127 companies with mid-term dividend plans pending, amounting to 91.39 billion yuan, expected to be distributed before the Spring Festival [5] - The stable dividend strategy is reshaping the relationship between listed companies and investors, marking a significant step towards value investing in the capital market [5]

12月12日，中国银行党委召开扩大会议，传达学习中央经济工作会议精神，结合全国金融系统工作 会议要求，研究部署中国银行贯彻落实措施。中国银行党委书记、董事长葛海蛟主持会议并讲话。 会议强调，中国银行要紧盯"八项重点任务"，把准"五个关键着力点"，扎实推动党中央决策部署一 贯到底、落地见效。要积极配合实施好提振消费专项行动和城乡居民增收计划，全方位满足居民多元消 费需求，深入支持"两新""两重"，助力建设强大国内市场。全面做好金融"五篇大文章"，加力支持因地 制宜发展新质生产力，积极支持现代化产业体系智能化、绿色化、融合化发展，助力经济社会全面绿色 低碳转型和新动能培育。加快提升全球布局能力和国际竞争力，积极服务高质量共建"一带一路"、自贸 区（港）建设、贸易投资一体化发展，加快推进人民币国际使用，助力深化改革扩大开放。着力加大对 中小微和民营企业、涉农等重点领域及薄弱环节的金融支持，促进城乡融合和区域联动。践行"金融为 民"初心，持续提升金融服务的可得性和便利性，加大金融保障和改善民生力度，助力增进民生福祉。 统筹高质量发展与高水平安全，不断增强合规意识和风险意识，持续防范化解重点领域风险，当好维护 金融稳定 ...

Core Viewpoint - The approval and disapproval of financial executives' qualifications reflect the regulatory body's emphasis on corporate governance and risk management within financial institutions [2][10]. Group 1: Approved Executives - A total of 16 financial executives have received approval for their positions across various banks, including rural commercial banks and major state-owned banks [1][11]. - Specific approvals include Zhang Zhongsheng and Zhang Haiyan as independent directors at Youyu Rural Commercial Bank, and Zhang Guodong and Yang Shaorong as vice presidents at Shanyin Rural Commercial Bank [3][4]. - Other approved positions include Wang Wenchao and Niu Shijun as vice presidents at Youyu Rural Commercial Bank, and Li Yahui as a director at Yingxian Rural Commercial Bank [4][14]. Group 2: Disapproved Executives - Recent cases of disapproval include Li Honghong's qualification for the position of secretary of the board at Shanxi Jingle Rural Commercial Bank, which was denied due to a lack of necessary knowledge, experience, and capability [6][7]. - Another disapproval involved Zhang Yanqing's qualification for the position of president at Lingqiu County Changqing Village Bank, which was rejected for not meeting specific regulatory requirements [7][18]. Group 3: Regulatory Framework - The regulatory body has established a comprehensive set of standards for the qualification of financial executives, including eight basic conditions such as having full civil capacity and the necessary knowledge and experience for the position [8][19]. - For rural and small banks, additional requirements include familiarity with the management framework and profit model of similar institutions [19]. Group 4: Professional Development in Shanxi - The recent approvals of multiple financial executives are seen as a foundation for the healthy development of Shanxi's financial sector, enhancing management levels and risk control capabilities [9][20]. - The regulatory body has previously approved several executives, including Zhao Chongping as president of Jinshang Consumer Finance Co., and other vice presidents at major banks [9][20]. Group 5: Regulatory Dynamics - The approval and disapproval of executive qualifications illustrate the regulatory body's commitment to maintaining a baseline of competence while encouraging the selection of outstanding talent [10][20]. - All approved executives are required to continuously learn and understand relevant economic and financial laws and regulations, emphasizing the importance of risk compliance awareness [10][20].

Core Viewpoint - The banking sector has entered a stage of high-quality development, with a focus on high dividend investments and stable growth in profits and revenues expected through 2026 [2][3][4]. Group 1: Banking Sector Performance - The expected revenue growth for listed banks in 2026 and 2027 is +2.5% and +3.6% respectively, while net profit growth is projected at +1.9% and +2.6% [2]. - Factors contributing to improved revenue and profit growth include narrowing net interest margin pressure, quality-focused credit issuance, and stabilization of fee income growth after several years of reductions [2][4]. - The net non-performing loan generation rate is expected to stabilize or slightly decline, with retail and corporate sectors showing different trends in risk exposure [4][25]. Group 2: Credit and Financing Trends - The demand for credit is expected to slow slightly by 2026, with a shift in the structure of new social financing reflecting changes in customer needs and regulatory impacts [3][4]. - The government and state-owned enterprises are becoming significant contributors to leverage, influencing the structure of new social financing and the banks' balance sheets [3]. Group 3: Market Dynamics and Regulatory Environment - The banking industry is experiencing a reduction in the number of licenses, indicating accelerated supply-side reforms and improved competitive dynamics [4][22]. - Regulatory policies are evolving, with a focus on enhancing the quality of service rather than merely increasing customer numbers, particularly in inclusive finance [3][4]. Group 4: Financial Metrics and Projections - The net interest margin is projected to narrow by 6 basis points in 2026, with a balanced structure of volume and price being crucial for achieving high-quality financial metrics [4][16]. - The total assets of banks are expected to grow at a rate of 7.8% YoY, with net profit growth rates showing a gradual increase from 12.6% to 2.6% over the forecast period [12][16].

Group 1 - The core theme of the event is "Happy Hangzhou · Technology for Elderly Care," focusing on the integration of technology and elderly care, aiming to create a smart, convenient, and warm elderly service system [1] - China Bank Hangzhou Branch has been actively showcasing its elderly financial service system and related pension financial products at the event, including personal consumption loans and credit card services popular among international students [1] - The bank has been cultivating advantageous elderly industry entities and extending its financial service chain to meet the financial needs of the elderly population in Hangzhou [2] Group 2 - China Bank Hangzhou Branch is enhancing the financial experience for the elderly by implementing age-friendly modifications in branch layouts, service areas, and online facilities [2] - The bank has established a green channel for elderly customers to facilitate business transactions and has improved cash management to ensure sufficient cash reserves at branches [2] - Future plans include expanding the depth and breadth of elderly services, innovating product offerings, and optimizing age-friendly services to support the high-quality development of the elderly care industry in Hangzhou [3]

Core Viewpoint - The People's Bank of China has authorized DBS Bank to act as the Renminbi clearing bank in Singapore, marking a significant milestone for the bank and enhancing its capabilities in cross-border Renminbi transactions [1][5]. Group 1: Authorization and Significance - DBS Bank is the first local bank in Singapore to be designated as a Renminbi clearing bank, allowing it direct access to China's onshore Renminbi clearing system (CIPS) [5]. - This authorization enables DBS Bank to provide more efficient cross-border Renminbi settlement and remittance services, facilitating investments in Renminbi-denominated financial instruments [5][6]. - The move is expected to enhance connectivity between onshore and offshore Renminbi markets, promoting investment interconnectivity and financial innovation in the Asia region [5][6]. Group 2: Impact on Services and Market Position - The authorization strengthens DBS Group's service capabilities in cross-border Renminbi financing, having been a direct participant in CIPS since 2015 [6]. - DBS Bank's participation in the China interbank bond market's counter business allows it to assist clients in conducting onshore bond transactions and providing offshore custody services, improving efficiency for foreign investors [6]. - The bank aims to offer comprehensive and competitive Renminbi solutions to meet the growing demand for diversified currency allocation among its clients [5][6].

Core Viewpoint - Bank of China successfully issued two new notes under its existing $40 billion medium-term note program, indicating strong market confidence and support for its funding strategy [1][4]. Group 1: Issuance Details - The new notes include a $300 million floating rate note maturing in 2028 and a HKD 1.5 billion fixed rate note maturing in 2027 [1]. - Both notes are backed by an unconditional and irrevocable guarantee from Bank of China, with proceeds intended for general corporate purposes, including working capital, debt structure optimization, and business development [2]. Group 2: Underwriting Support - The issuance received backing from a large syndicate of global financial institutions, including major banks such as Agricultural Bank of China, Bank of Communications, BNP Paribas, and Citigroup, among others [4]. - The extensive underwriting team reflects strong institutional support and confidence in Bank of China's financial stability and growth prospects [4].

Core Viewpoint - China Bank issued a total of 20 billion RMB in perpetual bonds with a write-down feature, and has exercised its redemption right to fully redeem these bonds as of the announcement date [1] Group 1: Bond Issuance - On December 10, 2020, China Bank issued 20 billion RMB in write-down type perpetual capital bonds [1] - The announcement regarding the completion of the bond issuance was made on December 14, 2020 [1] Group 2: Redemption Details - The bonds include a redemption right for the issuer, allowing China Bank to redeem the bonds at the end of the fifth year [1] - As of the announcement date, China Bank has fully redeemed the bonds [1]

21世纪经济报道记者 杨娜娜 上海报道 7100亿公募中银基金迎来新任董事长。 12月11日，中银基金宣布，自12月10日起，刘信群正式出任中银基金董事长、法定代表人。随着新任董 事长上任，执行总裁张家文不再代为履行董事长、法定代表人职责。 中银基金董事长 刘信群 今年6月，在中银基金任职董事长近8年的章砚因工作调整卸任，之后该职务由执行总裁张家文代理。至 此，这家银行系公募巨头在董事长职位空缺半年后，终于迎来了新任掌舵人。 股东主导的人事传承 中银基金前身为中银国际基金管理有限公司，于2004年开业，由中银国际和美林投资合资组建。2006年 美林投资与贝莱德投资合并，合并后的新公司名为"贝莱德投资管理有限公司"。 2007年，经中国证监会批准，中国银行直接控股中银基金。2008年，公司正式更名为中银基金。目前中 方控股股东为中国银行，持股比例为83.5%；外方股东为贝莱德，持股比例为16.5%。 执行总裁张家文此前在中国银行苏州分行任职多年。2013年11月，张家文加入中银基金，出任中银基金 副执行总裁、党委委员，自2021年末以来担任公司执行总裁至今。 另外，董事梁晓钟以及副执行总裁陈卫星、赵永东、宁瑞洁 ...