【环球网财经综合报道】"在当前发展的关键阶段，金融市场改革持续深化。大资管行业加速进入了一 个发展黄金期。"12月12日，在华夏时报主办的第十九届华夏机构投资者年会暨华夏金融（保险）科技 论坛上，中国银行保险资产管理业协会党委委员、秘书长贺竹君称。 他进一步指出，作为资管市场重要的资金管理者和机构投资者，银行理财和保险资管发挥着多方面的基 本职能。 其一，为居民财富的长期稳健增值提供丰富的产品工具，是主要产品供应者之一；其二，为资本市场的 稳定运行提供长期融资支持，基石投资者角色影响力日益凸显；其三，为实体经济高质量发展持续注入 源头活水，通过提供股权性资本供给和直接融资，助力新质生产力的培育壮大。同时，其是长期资金、 耐心资本及股权性资金的主要供给者。 此外，贺竹君表示，银行保险资管业的活力、韧性及赋能效应可从以下层面得以体现： 市场主体层面，保险资管形成了以36家保险资产管理公司为核心，16家保险私募基金公司为补充，200 余家保险资产管理中心和部门为主干的多元体系，并汇聚超过1.2万名专业投资者。在银行理财领域， 目前有32家银行理财子公司凭借着广泛渠道覆盖、灵活服务模式，面向广大投资人提供普惠金融的服 ...

Core Viewpoint - The Gansu Securities Regulatory Bureau issued a warning letter to the Gansu branch of the Bank of China for failing to include long-term investment returns for investors in the evaluation metrics for branch institutions and fund sales personnel, violating regulatory guidelines [1]. Group 1: Regulatory Actions - The Gansu Securities Regulatory Bureau decided to issue a warning letter as an administrative regulatory measure against the Gansu branch of the Bank of China, which will be recorded in the securities and futures market integrity archives [1]. - The Gansu branch is required to take the matter seriously, comply with relevant laws and regulations regarding fund sales, and submit a written rectification report to the Gansu Securities Regulatory Bureau within 30 days of receiving the decision [1]. Group 2: Regulatory Guidelines - According to the "Measures for the Supervision and Administration of Publicly Raised Securities Investment Fund Sales Institutions," fund sales institutions must establish a sound internal assessment mechanism that prioritizes investor interests and long-term investment concepts [2]. - The guidelines specify that fund sales institutions should include the scale of fund sales and long-term investment returns in the evaluation metrics for branch institutions and fund sales personnel, while avoiding short-term incentives and focusing on sustainable sales practices [2].

银行理财与保险资管双支柱作用显著 本报（chinatimes.net.cn）记者吴敏 北京报道 12月12日，由华夏时报社主办的第十九届华夏机构投资者年会暨华夏金融（保险）科技论坛在北京成功 举办。 本届论坛以"活力与韧性 拓新与赋能"为核心主题，由中央财经大学数字经济融合创新发展中心、华夏 时报金融思想荟、华夏时报金融研究院联合提供智力支持，意在回应时代之问，凝聚发展共识，探寻未 来路径。 中国银行保险资产管理业协会党委委员、秘书长贺竹君发表致辞指出，我国大资管行业正步入发展黄金 期，银行理财与保险资管合计受托管理规模约70万亿元，已成为资本市场稳定运行的"压舱石"和实体经 济长期资金的重要供给者。 他强调，行业将持续聚焦服务国家战略、培育耐心资本与支持新质生产力。同期，协会完成更名换届， 标志着我国资管行业自律管理进入协同发展的新阶段。 重点投向国家重大战略、新质生产力及耐心资本领域 贺竹君特别介绍了保险资金服务国家战略与赋能新质生产力的进展。在重大战略领域，保险资金通过债 权、股权投资计划支持长江经济带、京津冀协同发展、大湾区建设等项目，登记规模超3万亿元；同时 加大对医疗健康、绿色环保、新能源、半导体 ...

Core Points - The company, Yingluohua, announced on December 12 that it signed a "Maximum Guarantee Contract" with the Dongyang Branch of Bank of China to provide a joint liability guarantee for its wholly-owned subsidiary, Zhejiang Lianyi Electric Motor Co., Ltd. [2] - The maximum amount of the guarantee is set at 50 million RMB [2]

Core Viewpoint - The major state-owned banks in China are set to distribute over 200 billion yuan in cash dividends for the mid-term of 2025, reflecting a stable dividend policy amidst regulatory encouragement for increased shareholder returns [2][3][6]. Group 1: Dividend Announcements - Bank of Communications announced a cash dividend of 0.1563 yuan per share (including tax), with the A-share dividend date expected on December 25, 2025 [2][3]. - China Construction Bank declared a cash dividend of 0.1858 yuan per share, totaling approximately 486.05 billion yuan, with the payment date on December 11, 2025 [3][5]. - Bank of China announced a cash dividend of 0.1094 yuan per share (pre-tax), amounting to 352.50 billion yuan, also payable on December 11, 2025 [3][5]. - Industrial and Commercial Bank of China and Agricultural Bank of China will distribute dividends on December 15, 2025, with amounts of approximately 503.96 billion yuan and 418.23 billion yuan, respectively [3][5]. - Postal Savings Bank plans to hold a meeting on December 19, 2025, to discuss a proposed dividend of 1.230 yuan per 10 shares, totaling 147.72 billion yuan [3][5]. Group 2: Overall Dividend Trends - The total mid-term dividend amount for the six major state-owned banks is projected to reach 2046.57 billion yuan, remaining stable compared to the previous year [4][6]. - Among 42 A-share listed banks, 26 have announced mid-term dividends, with a total of 2646.22 billion yuan, reflecting a 2.45% increase from last year [6]. - The dividend payout ratio for these banks is maintained around 30%, indicating a consistent approach to shareholder returns [4][6]. Group 3: Regulatory Influence - Recent regulatory changes, including the revised guidelines from the China Securities Regulatory Commission, aim to simplify the mid-term dividend process and encourage companies to increase dividend frequency [6]. - The "New Nine Policies" introduced in April 2024 emphasize enhancing the stability and predictability of dividends, promoting multiple distributions within a year [6].

Group 1 - The People's Bank of China will conduct a 600 billion yuan reverse repurchase operation on December 15, 2025, to maintain liquidity in the banking system and ensure stable financial market operations [1] - As of the end of November, the balance of domestic and foreign currency loans reached 274.84 trillion yuan, with a year-on-year growth of 6.3% [1] - In the first eleven months, the increase in RMB loans amounted to 15.36 trillion yuan [1] Group 2 - The National Financial Regulatory Administration has released new regulations for bank custody business, effective from February 1, 2026, outlining prohibitive responsibilities and behaviors for commercial banks [2] - Key prohibitions include not assuming credit or market risks for custody products, not providing guarantees, and not participating in investment decision-making [2] Group 3 - The bank wealth management market has reached a new high, standing at approximately 33 trillion yuan, nearing the 34 trillion yuan mark [3] - Fourteen wealth management companies with over 1 trillion yuan in assets have seen a cumulative growth of about 3.43 trillion yuan in the first eleven months, with "fixed income +" products contributing significantly [3] - In the fourth quarter alone, these companies have grown by 1.67 trillion yuan, accounting for nearly half of the annual increase [3] Group 4 - The research interest in listed banks has surged, with 17 listed banks receiving 308 institutional research visits since the beginning of the fourth quarter [4] - The total number of research visits has reached 312, with city commercial banks and rural commercial banks being the main focus [4] - Hangzhou Bank has attracted the most research institutions, becoming the "most popular" in this round of research [4] Group 5 - Eight departments in Ningxia have jointly issued new policies for the real estate market, introducing twelve specific measures to support stable and healthy development [5] - The new policies include subsidies for newly built commercial housing and targeted subsidies for commercial properties, aimed at reducing the financial burden on homebuyers [5] Group 6 - Xu Zuo, former vice president of CITIC Group, was sentenced to life imprisonment for bribery and illegal business operations, highlighting a strict stance against financial sector corruption [6] Group 7 - Lu Hongxiao, vice president of the Gansu branch of Industrial and Commercial Bank of China, is under investigation for serious violations of discipline and law [7] Group 8 - Bank of China plans to issue two types of notes under a 40 billion USD medium-term note program, with applications for listing on the Hong Kong Stock Exchange [8][9] Group 9 - The resignation of Hou Bin, risk director of Suzhou Bank, was due to age reasons, effective December 10, 2025, and is considered a normal executive adjustment [10] Group 10 - Zou Yabin, vice president of the Hong Kong branch of Industrial Bank, is proposed to become the vice president of Xingyin Wealth Management, with the management team having undergone multiple adjustments in 2025 [11]

Core Viewpoint - The major state-owned banks in China are set to distribute over 200 billion yuan in cash dividends for the 2025 interim period, reflecting a stable dividend payout compared to the previous year [2][4]. Group 1: Dividend Announcements - Bank of Communications announced a cash dividend of 0.1563 yuan per share, with the A-share payout date expected on December 25, 2025 [2][3]. - China Construction Bank declared a cash dividend of 0.1858 yuan per share, totaling approximately 486.05 billion yuan, with the payout date on December 11, 2025 [3][5]. - Bank of China will distribute a cash dividend of 0.1094 yuan per share, amounting to 352.50 billion yuan, also on December 11, 2025 [3][5]. - Industrial and Commercial Bank of China plans to distribute a cash dividend of 0.1414 yuan per share, totaling about 503.96 billion yuan, on December 15, 2025 [3][5]. - Agricultural Bank of China will issue a cash dividend of 0.1195 yuan per share, amounting to 418.23 billion yuan, on December 15, 2025 [3][5]. - Postal Savings Bank intends to distribute a cash dividend of 1.230 yuan per 10 shares, totaling 147.72 billion yuan, with a meeting scheduled for January 12, 2026 [3][5]. Group 2: Overall Dividend Trends - The total interim dividend amount for the six major state-owned banks is projected to reach 2046.57 billion yuan, remaining stable compared to the previous year [4][6]. - The number of A-share listed banks announcing interim dividends has increased, with 26 out of 42 banks declaring dividends, totaling 2646.22 billion yuan, a 2.45% increase from last year [6]. - The dividend payout dates for this year are significantly earlier than last year, with some banks advancing their payout dates by over a month [4][6].

许昆林表示，以金融高质量发展助力辽宁全面振兴，离不开中国人民银行、金融监管总局的关心指导， 离不开中央金融机构的帮助支持。希望大家进一步关注辽宁、信任辽宁，深化拓展务实合作，支持辽宁 统筹做好金融"五篇大文章"，助力实体经济发展，与我们一道共享振兴发展机遇、开创美好未来。 会上，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、中国农业银行、中国银 行、中国建设银行、交通银行、中国邮政储蓄银行、中国人民保险集团股份有限公司、中国人寿 （601628）保险(集团)公司、中国出口信用保险公司等中央金融机构主要负责同志先后发言。 12月11日，辽宁省与中央金融机构座谈会在北京举行。辽宁省委书记许昆林主持并讲话。中国人民银行 行长潘功胜，国家金融监督管理总局局长李云泽出席并讲话，辽宁省委副书记、省长王新伟介绍辽宁经 济社会发展总体情况。辽宁省委副书记、大连市委书记熊茂平，12家中央金融机构主要负责同志出席会 议。 许昆林表示，辽宁将搭建高效便捷的政金企对接平台，完善融资担保和风险补偿机制，为金融机构开展 业务创造更好条件。我们将全力打造一流营商环境，坚决整治破坏营商环境的问题，加强社会信用体系 建设，政府 ...

Core Viewpoint - The 19th Huaxia Institutional Investor Annual Conference emphasizes the themes of vitality and resilience in the banking sector, aiming to explore future paths for high-quality economic development [2]. Group 1: Financial Resilience and Risk Management - The banking industry must balance development and safety, enhancing risk management capabilities to withstand various challenges [3]. - A comprehensive risk management system should be established, focusing on proactive measures and ensuring full coverage of risks, including credit, market, liquidity, operational, compliance, and information technology risks [3]. - Emphasis on improving capital management through multiple channels, exploring new capital tools, and enhancing capital efficiency to support sustainable growth [4]. Group 2: Innovation and Customer-Centric Approach - The banking sector should shift towards innovative strategies, focusing on customer-centric services and differentiated offerings to meet diverse financial needs [5]. - State-owned banks should prioritize digital transformation and leverage their comprehensive operational advantages to enhance international competitiveness [5]. - Smaller banks should focus on their market positioning and local advantages to support regional economies and specific sectors like technology and green finance [5]. Group 3: Empowering the Real Economy - The ultimate goal of maintaining resilience and vitality in the banking sector is to serve the real economy and the public, integrating financial services with economic development [6]. - Key focus areas include enhancing technology finance, developing a green finance system, improving inclusive finance services, and promoting digital finance [6]. - The banking industry should support the expansion of domestic demand and provide targeted financial services to meet reasonable consumption financing needs [6]. Group 4: Role of the Banking Association - The China Banking Association plays a crucial role in enhancing industry resilience and vitality, focusing on regulatory support and industry service [7]. - The association is committed to addressing industry needs through training, research, and sharing best practices to promote high-quality development in the banking sector [7].

在深化服务过程中，枣庄中行进一步捕捉到企业对跨境收款时效性和外汇存款收益的双重诉求，迅速为 企业定制解决方案：签约跨境汇入汇款直入账产品，保障款项及时到账并优化外汇存款收益，实现资金 高效管理与收益提升的双赢；同步上线电子审单业务，开通企业网银跨境汇款、境内外币汇划等线上服 务，让企业足不出户就能便捷办理各类跨境业务，大幅降低了时间成本和沟通成本。 立足枣庄"强工兴产、转型突围""6+3"现代产业体系等战略部署，枣庄中行持续加大实体经济金融支持 力度，2025年4月荣获枣庄市委、市政府颁发的"服务枣庄发展突出贡献奖"。截至2025年11月末，全行 对公贷款余额较年初增长16.84亿元，已批未放贷款108.66亿元，审批中10.05亿元，储备项目57.74亿 元，为地方经济高质量发展积蓄强劲动能。 下一步，中国银行枣庄分行将继续发挥全球化网络优势，不断丰富跨境金融产品与服务供给，精准对接 企业"走出去"和"引进来"需求，深度融入双循环新发展格局，为枣庄市对外开放和现代化强市建设注入 源源不断的中行动能。 作为山东省制造业单项冠军示范企业、中国外贸出口先导指数样本企业，该公司凭借自主研发的创新工 艺，生产上万种标 ...