转自：新华财经 中信银行贵阳宝山支行柜员在为客户办理取现业务时，系统显示异常提示，经办柜员随即提高警惕，按 照操作规范对客户资金用途及来源进行详细询问，沟通过程中，客户神色紧张、言辞闪烁，回答前后矛 盾，行为明显异常。察觉风险后，支行工作人员第一时间将情况上报至贵阳市反诈中心。反诈中心迅速 响应，立即指派附近民警火速赶赴网点，并指导银行工作人员稳住客户情绪。民警抵达现场时，发现客 户正与疑似诈骗分子联系，随即果断行动，依法暂扣了客户手机及刚刚从他行取出的大量现金，并将客 户带离现场作进一步调查。 8月13日，中信银行贵阳宝山支行敏锐识别异常取现，迅速联动贵阳市反诈中心，成功拦截一笔涉诈资 金转移，为客户挽回经济损失20万元，有力守护了群众"钱袋子"，并获得了反诈中心的书面表扬及感 谢。 此次涉诈资金的成功拦截，是警银协同作战、共筑反诈防线的生动实践。中信银行贵阳宝山支行将持续 深化与公安机关的联动协作，不断优化风险识别与应急处置机制能力，共同构建更加严密高效的金融安 全防线，并积极履行社会责任，深入社区、企业、学校等场所，针对不同群体特点开展形式多样的反诈 宣传活动，着力提升人民群众的防骗意识和识诈能力，为守 ...

登录新浪财经APP 搜索【信披】查看更多考评等级 根据华宝基金管理有限公司（以下简称"本公司"）与中信银行股份有限公司（以下简称"中信银行"）签 署的《证券投资基金销售代理协议》，本公司自2025年08月18日起增加中信银行"中信同业+"平台为以 下适用基金的代销机构。 一、适用基金如下： ■ 二、机构投资者可到中信银行办理上述基金的开户、认购、申赎及其他业务。机构投资者可以通过以下 途径了解或咨询相关情况： （1） 中信银行股份有限公司 客户服务电话: 95558 公司网址：www.citicbank.com （2）华宝基金管理有限公司 客户服务电话：400-820-5050、400-700-5588 公司网址：www.fsfund.com 风险提示：基金管理人承诺以诚实信用、勤勉尽责的原则管理和运用基金资产，但不保证基金一定盈 利，也不保证最低收益。投资者投资本公司旗下基金时应认真阅读基金的基金产品资料概要、《基金合 同》和《招募说明书》。敬请投资者注意投资风险。 特此公告。 华宝基金管理有限公司 2025年08月18日 关于华宝高端装备股票型发起式证券投资基金基金合同终止 及基金财产清算的公告 根据《中 ...

Core Insights - The report emphasizes that the structure of bank credit is more important than the total amount, indicating a potential adjustment in the credit structure of banks [1][7] - The report suggests that the effective credit demand from enterprises is expected to recover as the adjustment of excess production capacity comes to an end [2] Industry Overview - The report highlights the need for industry structure optimization to accelerate the elimination of excess capacity, particularly in sectors like automotive, photovoltaic, lithium batteries, steel, and cement [2] - The central bank has increased the quota for re-loans for technological innovation and technical transformation by 300 billion yuan, with the balance of technology loans reaching 44.1 trillion yuan, growing by 12.5% year-on-year [2] - The loan structure has shifted from over 60% in real estate and infrastructure loans in 2016 to approximately 70% in the "five major articles" of finance currently [2] Market Performance - The report notes that during the week of August 11 to August 17, 2025, the major indices saw significant increases, with the Shanghai Composite Index rising by 1.70% and the ChiNext Index by 8.58% [7] - The banking index experienced a weekly decline of 3.19%, underperforming the CSI 300 index by 5.57 percentage points [7] Investment Recommendations - The report recommends focusing on the banking sector for medium to long-term investments, highlighting that the overall allocation to banks has increased but remains insufficient [3][8] - Specific banks recommended for investment include state-owned banks (A+H) and stable joint-stock banks such as China Merchants Bank (A+H), CITIC Bank (A+H), and Industrial Bank, as well as high-quality regional banks with strong provisioning coverage [8] Profit Forecasts and Valuations - The report provides earnings per share (EPS) and price-to-earnings (PE) ratios for several banks, indicating a positive outlook for banks like Ningbo Bank, Jiangsu Bank, and China Merchants Bank, with recommendations to buy [9]

Core Viewpoint - The banking sector, particularly joint-stock commercial banks, is facing significant challenges due to pressure from state-owned banks and city commercial banks, leading to a low growth cycle and increased competition [1][2][4]. Group 1: Industry Challenges - Joint-stock banks are experiencing a decline in total assets, with a total of 73.3 trillion yuan as of April 2024, representing a decrease of nearly 2 percentage points compared to the end of 2020 [3]. - The overall performance of joint-stock banks has weakened due to various factors, including the pressure from state-owned banks and the lack of local government support compared to city and rural commercial banks [6][7][15]. - The market share of joint-stock banks has been declining, particularly after 2016, with a more significant drop post-2020, indicating a failure to establish a differentiated competitive advantage [14][22]. Group 2: Financial Performance - In 2024, several joint-stock banks reported varied performance in total assets and operating income, with some banks like 华夏银行 showing a significant increase in total assets by 24.70% [3]. - The net profit situation for joint-stock banks has been mixed, with some banks like 兴业银行 and 中信银行 showing resilience in their public business, while others like 平安银行 faced declines in net profit [19][21]. - The competition among joint-stock banks is intensifying, with 中信银行 leading in operating income at 2136.46 billion yuan, while 兴业银行 and 浦发银行 are also significant players but facing challenges in maintaining their rankings [19][21]. Group 3: Strategic Responses - In response to the competitive landscape, several joint-stock banks are adopting local strategies to deepen their engagement with regional economies, potentially transforming into upgraded versions of city commercial banks [7]. - The future competition will require banks to balance strategic determination and flexibility, with a focus on differentiating their services and leveraging technology for innovation [22].

Core Viewpoint - Supporting the development of private and small micro enterprises is an inherent requirement of financial services for the real economy, with a focus on enhancing financing accessibility, inclusiveness, and convenience during the "14th Five-Year Plan" period [2][5]. Financing Accessibility - The average annual growth rate of inclusive small micro loans has exceeded 20% over the past five years, with the balance of such loans increasing from 15.1 trillion yuan at the end of 2020 to 35.6 trillion yuan by June 2025 [4][5]. - The proportion of credit loans has reached nearly 30%, and the balance of loans to privately held enterprises has risen to approximately 45 trillion yuan [4]. - Financial institutions have been guided to innovate and better assist enterprises facing collateral shortages and financing difficulties, leading to significant increases in loan disbursements [5]. Cost Reduction - The average interest rate for newly issued inclusive small micro enterprise loans has decreased from 5.08% in December 2020 to 3.48% by June 2025, reflecting a substantial reduction in financing costs [8][9]. - Financial management departments have implemented various measures to lower the comprehensive financing costs for private and small micro enterprises, benefiting a larger number of businesses [8][9]. Diversified Financing - There is a need to expand more diversified financing channels for private and small micro enterprises, as their financing needs and methods vary at different growth stages [10]. - The issuance of technology innovation bonds has gained traction, with 288 entities issuing approximately 600 billion yuan in bonds by June, indicating a growing interest in direct financing [11]. - The proportion of private enterprises among listed companies is significant, with 63% of A-share companies being private, and high representation in the Sci-Tech Innovation Board and other platforms [11].

Core Insights - CITIC Bank Shenzhen Branch successfully launched the FT Account (Free Trade Account) system on August 15, marking a significant step in cross-border financial services [1] - The FT Account serves as an important vehicle for financial openness, facilitating higher levels of cross-border financial convenience [1] Group 1: FT Account System Launch - The first transaction was successfully conducted on the day of the system launch, indicating operational readiness [1] - The FT Account allows for integrated management of domestic and foreign currency accounts, significantly enhancing account management efficiency [1] - It connects with offshore market pricing, effectively reducing financial costs for enterprises [1] Group 2: Strategic Importance - The launch aligns with the proactive engagement in the Guangdong-Hong Kong-Macao Greater Bay Area development and the "pilot demonstration" national strategy [1] - It leverages CITIC Group's full-license financial advantages to streamline the cross-border financial service chain [1] - The initiative aims to create a service ecosystem that integrates "account + product + scenario + ecology," facilitating market participants' integration into the global economic cycle [1] Group 3: Future Development - CITIC Bank Shenzhen Branch plans to utilize the FT Account business launch to fully exploit the advantages of the Greater Bay Area and free trade zone policies [1] - The bank aims to develop differentiated service capabilities in settlement, financing, trading, and comprehensive services [1] - High-quality financial services are expected to inject new momentum into the cross-border financial development of the Greater Bay Area [1]

证券代码：601998证券简称：中信银行公告编号：临2025-061 中信银行股份有限公司 关于召开2025年半年度业绩发布会的公告 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或者重大遗漏，并对其内容的 真实性、准确性和完整性承担法律责任。 重要内容提示： ● 会议召开时间：2025年8月28日（星期四）上午9:30-11:00 ● 会议召开方式：本次会议通过网络直播方式召开，投资者可以登陆"上海会畅通讯股份有限公司"平 台、"中信银行直播间"、"万得3C会议"平台、"智通财经"平台参与业绩发布会。 ● 投资者可以于2025年8月27日（星期三）下午17:00前，将相关问题通过电子邮件形式发送至本行投资 者关系邮箱（ir@citicbank.com），或于业绩发布会当日登陆"上海会畅通讯股份有限公司"平台留言， 本行将在会上就投资者普遍关注的问题进行回答。 中信银行股份有限公司（以下简称"本行"）拟于2025年8月28日在上海证券交易所网站 （www.sse.com.cn）和本行网站（www.citicbank.com）披露本行2025年半年度报告，为便于广大投资者 更全面深入了解本行2 ...

Core Viewpoint - The successful launch of the FT account system by CITIC Bank Shenzhen Branch marks a significant step in enhancing cross-border financial services in China, particularly in the context of the Guangdong-Hong Kong-Macao Greater Bay Area development strategy [1] Group 1: FT Account System - The FT account system allows for integrated management of domestic and foreign currency accounts, significantly improving account management efficiency and reducing financial costs for enterprises [1] - The establishment and promotion of the FT account is a crucial institutional arrangement to support the development of the real economy in pilot zones, enhance financial support for cross-border investment and trade, and deepen financial reforms while expanding openness [1] Group 2: Strategic Importance - The launch of the FT account system aligns with the national strategy of serving as a "pilot demonstration" for the Greater Bay Area, showcasing CITIC Group's comprehensive financial service capabilities [1] - CITIC Bank Shenzhen Branch aims to leverage the FT account business to fully utilize the advantages of the Greater Bay Area and free trade zone policies, creating differentiated service capabilities in settlement, financing, trading, and comprehensive services [1]

Core Viewpoint - The recent implementation of the personal consumption loan interest subsidy policy by the Ministry of Finance, the People's Bank of China, and the financial regulatory authority aims to stimulate consumer spending through subsidized loans, with a focus on major banks and specific financial institutions [4]. Group 1: Policy Overview - The personal consumption loan subsidy policy will be effective from September 1, 2025, to August 31, 2026, allowing residents to receive a subsidy of 1% per year on loans used for consumption, capped at 50% of the loan contract interest rate [4]. - A total of 23 lending institutions are included in the policy, comprising 6 large state-owned commercial banks, 12 national joint-stock commercial banks, and 5 other personal consumption loan providers [4]. Group 2: Loan Balances - In 2024, 16 banks reported personal consumption loan balances exceeding 100 billion yuan, with the top ten banks surpassing 300 billion yuan, indicating a significant concentration of loan balances among leading banks [4]. - Postal Savings Bank leads with a loan balance of 613.9 billion yuan, followed by China Construction Bank at 544.9 billion yuan and Agricultural Bank of China at 491.4 billion yuan [3][4]. Group 3: Bank Rankings - Among the top ten banks, five are large state-owned commercial banks, while three national joint-stock commercial banks also made the list: Ping An Bank (4th), China Merchants Bank (6th), and CITIC Bank (10th) [5]. - Notable performances include Ping An Bank with a balance of 474.7 billion yuan, surpassing Industrial and Commercial Bank of China at 421.2 billion yuan, and Ningbo Bank at 357.5 billion yuan, slightly ahead of Bank of Communications at 330.3 billion yuan [5].

证券代码：601998 证券简称：中信银行 公告编号：临2025-061 中信银行股份有限公司 关于召开 2025 年半年度业绩发布会的公告 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或者重 大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 重要内容提示： 中信银行股份有限公司（以下简称"本行"）拟于2025年8月28日在上海证券交易 所网站（www.sse.com.cn）和本行网站（www.citicbank.com）披露本行2025年半年度 报告，为便于广大投资者更全面深入了解本行2025年半年度业绩和经营情况，本行拟 于2025年8月28日上午9:30-11:00召开业绩发布会，就投资者普遍关注的问题进行交流。 一、会议类型 本次会议通过网络直播方式召开，本行将针对2025年半年度业绩及经营情况等与 投资者进行交流，并对投资者普遍关注的问题进行回答。 1 会议召开时间：2025年8月28日（星期四）上午9:30-11:00 会议召开方式：本次会议通过网络直播方式召开，投资者可以登陆"上海会畅 通讯股份有限公司"平台、"中信银行直播间"、"万得3C会议"平台、"智 通财经"平 ...