论坛期间，中信银行相关负责人介绍了其"大客甄选"销售赋能平台。据悉，该平台由中信银行总行大客 户部牵头搭建，充分发挥中信集团"金融+实业"综合平台优势，聚焦消费行业对公大客户产品展销与员 工内购服务，旨在通过严选优质国货精品，为中信体系员工及亲属、重点客户提供内购消费福利。该平 台上线不到半年，已入驻消费品企业近30家，上架商品300余款，累计注册用户2200余人，订单量近万 单，销售额近50万元。 （编辑 李家琪） 本报讯 （记者杨洁）11月21日，由中信银行主办、新华网承办的第三届"信·新"品牌高质量发展论坛在 北京举办。论坛以"信新消费，智享未来"为主题，来自政府部门、金融机构、智库、企业、品牌评估机 构等领域代表和专家学者齐聚一堂，深入探讨以高质量品牌建设引领消费新浪潮，共同探寻提振消费信 心、优化消费生态的新路径。 针对以往客户营销中"销售赋能分散、协同效能不足"的难点，"大客甄选"销售平台以"三个统一"为核心 构建运营体系：统一销售赋能渠道、统一销售赋能准入、统一销售数据归集，实现内外部优质资源的高 效整合。同时，依托中信银行遍布全国的分支机构网络，该平台深度挖掘各地区特色优势商品资源，商 品涵盖 ...

政策引领：擘画消费增长新蓝图 由中信银行主办、新华网承办的第三届"信·新"品牌高质量发展论坛于11月21日在北京举行。论坛 以"信新消费 智享未来"为主题，汇集政府、金融机构、企业、品牌评估机构等领域代表和专家学者共 聚一堂，集思广益，建言献策，深入探讨金融高质量发展建设路径，共话消费新趋势，为推动品牌与消 费的协同发展贡献智慧和力量。 金融是现代经济的核心与血脉，是推动增长的强大引擎。近年来，为助力经济高质量发展，金融行 业汇聚力量，积极服务国家战略，创新产品满足多元需求，为赋能百业兴旺做出了不懈努力。 财政部原副部长朱光耀表示，党的十八大以来，我国经济总量、科技实力、综合国力不断的跨越新 的台阶。中国在全球经济与贸易体系的影响力不断提升。这既造福中国人民，也为坚守多边主义原则、 推进多边体系建设，注入了积极而重要的力量。按照党中央部署，我国明确2035年基本实现社会主义现 代化、人均GDP达到中等发达国家水平的目标。当前，我们需在现有巨大成就的基础上，进一步夯实经 济根基、全面协同发力，确保"十五五"时期取得更为辉煌的成果，为在2035年基本实现社会主义现代化 奠定坚实基础、创造根本条件。 全球视野：品牌 ...

11月19日至21日，由深圳市人民政府主办的第十九届深圳国际金融博览会（以下简称"金博会"）在深圳会展中心（福田）9号馆启幕。本届展会以"产业金融 新高地，科创赋能向未来"为主题，围绕金融"五篇大文章"核心主线聚焦"科技—产业—金融"高水平循环，展览面积达1.5万平方米，吸引全球多个国家和地 区288家机构及企业参展，设置产业金融、金融科技、跨境金融等九大特色主题展区，成为展现深圳金融改革创新成果、链接全球金融资源的重要窗口。 作为中信银行信用卡业务全国总部，中信银行信用卡中心自2002年在深筹建、2008年正式注册以来，始终扎根深圳金融创新沃土，构建起覆盖全国的信用卡 业务运营体系。截至2025年上半年，累计发卡量突破1.26亿张，实现效益、质量、规模协同发展，此次亮相持牌金融展区，携科技金融、绿色金融、普惠金 融、养老金融、数字金融五大领域实践成果，以"让财富有温度"为品牌内核，通过场景化展示、互动体验、专人讲解等形式，全景呈现服务实体经济、惠及 民生消费的创新实践。 科技与数字金融成果以安全为核心，进一步夯实服务根基，现场重点呈现"银联 - Visa 双标磁条卡芯片化升级"成果，升级后的芯片卡兼容境内外 ...

从资金流向上来看，当日股份制银行板块主力资金净流出5.23亿元，游资资金净流入2.24亿元，散户资金 净流入2.99亿元。股份制银行板块个股资金流向见下表： 证券之星消息，11月21日股份制银行板块较上一交易日下跌1.29%，民生银行领跌。当日上证指数报收于 3834.89，下跌2.45%。深证成指报收于12538.07，下跌3.41%。股份制银行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 601998 | XD中信银 | 7.92 | -0.50% | 68.07万 | 5.42亿 | | 600036 | 招商银行。 | 43.00 | -0.53% | 79.13万 | 34.14 Z | | 601166 | 兴业银行 | 21.36 | -0.74% | 102.22万 | 21.88亿 | | 000001 | 平安银行 | 11.69 | -1.35% | 146.54万 | 17.22亿 | | 600000 | 浦发银行 | 11.52 | -1.54 ...

中信银行党委委员、副行长谢志斌表示："金融的本质在于链接价值。此次携手，我们以场景金融为核心导向，将双方优势深度绑定，把普惠金融的温度注 入每一个消费场景，让'不出国门 海购全球'的美好体验触手可及、落地生根。" 中免集团党委委员、副总经理周领军指出，旅游零售行业的未来，在于创新，在于对用户价值的不懈追求。中免集团与中信银行的全面合作，是双方核心资 源的深度整合、创新模式的大胆探索，以联名信用卡为起点，必将开启一段共赢发展的崭新旅程。 中国银联党委委员、执行副总裁胡浩中强调，立足海南自贸港封关运营的战略机遇，中国银联将持续深化三方创新合作，以更优质的支付产品、更完善的服 务网络、更丰富的权益生态，共同助力全国消费升级，赋能海南自贸港高质量发展的崭新篇章。 权益设计紧扣消费闭环，提升转化与留存效率 公司动态 在海南自贸港建设全面提速、离岛免税政策持续加码的背景下，金融与品质消费场景的深度融合正迎来关键突破。2025年11月19日，中信银行携手中免集 团、中国银联在三亚正式发布联名信用卡，标志着"金融+旅游零售"生态合作进入实质性落地阶段。 该产品依托中免集团全国免税网络、中信银行综合金融服务能力及中国银联安全高 ...

Core Insights - The article highlights the top-performing stocks in the S&P China A-Share Dividend Opportunity Index, showcasing significant gains and dividend yields for various companies [1] Group 1: Stock Performance - China Bank (601988 SH) leads with a 4.00% daily increase and an 18.30% year-to-date gain, along with a dividend yield of 3.69% [1] - Construction Bank (601939 SH) follows with a 3.15% daily rise and a 16.97% year-to-date increase, offering a dividend yield of 4.05% [1] - Postal Savings Bank (601658.SH) shows a daily increase of 3.14% and a year-to-date gain of 9.16%, with a dividend yield of 3.77% [1] Group 2: Notable Declines - Home Depot (002572.SZ) has a daily increase of 3.12% but a year-to-date decline of 13.44%, with a dividend yield of 7.42% [1] - Oppein Home Group (603833.SH) experiences a 2.86% daily rise but a significant year-to-date drop of 17.91%, with a dividend yield of 4.68% [1] - Kuka Home (603816.SH) shows a daily increase of 2.66% and a year-to-date gain of 18.23%, with a dividend yield of 4.59% [1] Group 3: Additional Performers - Huaxia Bank (600015.SH) has a daily increase of 1.86% but a year-to-date decline of 6.67%, with a dividend yield of 5.80% [1] - Beijing Bank (601169 SH) shows a daily increase of 1.39% and a slight year-to-date decline of 0.69%, with a dividend yield of 5.57% [1] - CITIC Bank (601998.SH) has a daily increase of 1.37% and a year-to-date gain of 19.02%, with a dividend yield of 4.35% [1]

Core Viewpoint - The banking sector is gaining attention in the capital market due to a combination of declining interest rates, policy support, and low valuations, leading to increased investment from long-term funds like insurance capital [1][2]. Group 1: Reasons for Insurance Capital Favoring Bank Stocks - Insurance capital seeks stable and reliable assets due to a mismatch in the average duration of liabilities (over 12 years) and assets (approximately 6 years), resulting in over 2 trillion yuan needing investment annually [1]. - Bank stocks are attractive due to their high dividend yields, low valuations, and low volatility, with an average dividend yield of 3.86%, significantly higher than the 10-year government bond yield of 1.82% as of November 19, 2025 [1][2]. Group 2: Valuation and Stability of the Banking Sector - The banking sector's price-to-book ratio is at 0.63, indicating extreme low valuation and providing a safety cushion [2]. - The banking sector has shown a volatility of only 14.90% over the past three years, which is significantly lower than the 24.80% volatility of the CSI 300 index, making it suitable for long-term holding as a core asset [2]. Group 3: Impact of IFRS 9 on Insurance Companies - The implementation of IFRS 9 accounting standards requires insurance companies to estimate and recognize expected credit losses at the initial recognition of assets, affecting profits even before actual losses occur [2]. - This new standard encourages insurance companies to classify more equity investments as FVOCI (Fair Value Through Other Comprehensive Income), which helps to isolate short-term market fluctuations from profit statements, making bank stocks a suitable choice for long-term holding [2]. Group 4: Preferred Bank Stocks Among Insurance Capital - Insurance capital shows a preference for state-owned banks like Industrial and Commercial Bank of China and China Construction Bank due to their stable dividends and strong liquidity [3]. - Quality joint-stock banks such as China Merchants Bank and Industrial Bank are favored for their robust profitability and potential for valuation recovery [3]. - High-growth regional banks like Chengdu Bank and Suzhou Bank are also attractive due to their high ROE and asset quality, indicating potential for price appreciation [3]. - Hong Kong-listed bank stocks, such as CITIC Bank and Chongqing Bank, are appealing due to higher dividend yields and more attractive valuations [3]. Group 5: Implications for Ordinary Investors - For ordinary investors, bank stocks offer a combination of high dividends and low valuations, providing defensive characteristics and cash flow returns in the current market environment [5]. - As market trends shift towards stable returns, bank stocks can play a crucial role in balancing risk and securing stable dividends within an investment portfolio [5].

Core Insights - The banking sector saw a rise of 0.81% on November 20, with Minsheng Bank leading the gains [1] - The Shanghai Composite Index closed at 3931.05, down 0.4%, while the Shenzhen Component Index closed at 12980.82, down 0.76% [1] Banking Sector Performance - Minsheng Bank's stock price increased by 2.69% to 4.20, with a trading volume of 8.59 million shares and a transaction value of 3.597 billion [1] - Other notable banks included: - Everbright Bank: closed at 3.67, up 1.94%, with a transaction value of 1.901 billion [1] - Huaxia Bank: closed at 7.11, up 1.86%, with a transaction value of 975 million [1] - Zhejiang Commercial Bank: closed at 3.16, up 1.61%, with a transaction value of 1.067 billion [1] - CITIC Bank: closed at 8.15, up 1.37%, with a transaction value of 655 million [1] Capital Flow Analysis - The banking sector experienced a net inflow of 1.074 billion from main funds, while retail investors saw a net outflow of 451 million [1] - Main fund inflows for specific banks included: - Minsheng Bank: 3.03 billion, with a net outflow from retail investors of 1.10 billion [2] - China Merchants Bank: 2.55 billion, with a net outflow from retail investors of 1.12 billion [2] - Everbright Bank: 1.955 billion from main funds, but a net outflow of 775.33 million from retail investors [2]

Core Insights - CITIC Bank has been recognized as the only bank to receive the ecological brand certification for four consecutive years, showcasing its transformation from providing financial functions to co-creating user value [1][6] - The ecological brand certification is initiated by authoritative institutions, covering nearly a thousand brands across over 30 industries globally, with CITIC Bank leading in dimensions such as user experience, open collaboration, and social value contribution [3] Group 1: Brand Recognition and Strategy - CITIC Bank has established itself as a benchmark for sustainable and ecological brand building in the banking industry, with three major cases included in the "Ecological Brand Development Report (2025)" [3] - The bank emphasizes its core value of "trust" since its establishment in 1987, leveraging the comprehensive advantages of CITIC Group to deepen industry-finance collaboration and create a differentiated financial service system [3][6] Group 2: Rural Revitalization and Cross-Border Services - CITIC Bank has launched a "1+5+5" comprehensive service system for rural revitalization, focusing on a dual-driven model of "digital inclusion + industry collaboration" to inject financial vitality into rural industries [4] - The bank's "Global Financial" services encompass a full lifecycle support network, including visa services and education planning, serving 27 million individuals and covering over 40 countries [4] Group 3: Green Finance Initiatives - CITIC Bank has developed the "CITIC Carbon Account," the first personal carbon account led by a bank in China, transitioning from carbon measurement to carbon assets [5] - As of August 2025, the bank has achieved over 20 million tons of cumulative carbon reduction through its platform, establishing a benchmark for green transformation in the banking sector [5][6] Group 4: Future Directions - The bank aims to continue enhancing its open collaboration, technological empowerment, and international expansion, contributing to the construction of a more inclusive, efficient, and sustainable financial ecosystem [6]

中信银行党委委员、副行长谢志斌在致辞中表示："金融的本质在于链接价值。此次携手，我们以场景金融为核心导向，将双方优势深度绑定，把普惠金融 的温度注入每一个消费场景，让'不出国门 海购全球'的美好体验触手可及、落地生根。" "旅游零售行业的未来，在于创新，在于对用户价值的不懈追求。中免集团与中信银行的全面合作，是双方核心资源的深度整合、创新模式的大胆探索，以 联名信用卡为起点，必将开启一段共赢发展的崭新旅程。"中免集团党委委员、副总经理周领军在致辞中表示。 "立足海南自贸港封关运营的战略机遇，中国银联将持续深化三方创新合作，以更优质的支付产品、更完善的服务网络、更丰富的权益生态，共同助力全国 消费升级，赋能海南自贸港高质量发展的崭新篇章。"中国银联党委委员、执行副总裁胡浩中在致辞中表示。 （2025年11月19日，三亚）今日，"信意无界 臻享中免"——中信银行携手中免集团、中国银联启航暨联名信用卡发布仪式在三亚正式举行。该联名卡不仅 实现了金融与旅游零售深度融合的模式创新，为消费者打造品质生活新体验，更是响应国家扩大内需战略、推动免税消费提质扩容的重要实践。 中信银行党委委员、副行长谢志斌，中免集团党委委员、副 ...