近日，中共中央总书记、国家主席、中央军委主席习近平对防汛救灾工作作出重要指示。习近平总 书记指出，当前正处在"七下八上"防汛关键期，各地区和有关部门要树牢底线思维、极限思维，全面压 实政治责任，落实落细各项防汛措施，盯紧守牢薄弱环节和重点部位，科学调配救援力量和救灾物资， 确保发生突发紧急情况后第一时间响应、第一时间处置，全力保障人民生命财产安全。 进入"七下八上"主汛期，我国北方地区降水集中，强度大，极端暴雨发生概率大。台风也进入活跃 期。连日来，华东、华北、东北等地持续遭遇强降雨，引发洪涝和地质灾害，造成北京、河北、吉林、 山东等地重大人员伤亡和财产损失。 面对复杂严峻的防汛形势，银行业金融机构坚持人民至上、生命至上，落实落细各项防汛措施，加 强分支机构应急处置，在确保金融服务"不断档"的同时，积极提供各项应急服务保障。 强化网点布防 筑牢安全底线 在本轮强降雨中，北京密云区多地遭受汛情。农业银行北京密云支行对地势低洼、靠近山区的营业 网点开展摸排和巡检，及时排查漏雨渗水等安全隐患，布放沙袋、防雨布等，切实织密防汛"安全网"。 在山东，农业银行莱芜分行紧盯当地防汛预警信息，重点排查低洼易涝、老旧建筑等经营 ...

从风光无限到低调内敛，曾经在银行信用卡市场中扮演着重要角色的联名信用卡，如今正在面临成 本与收益的制衡。与此同时，各家银行对联名信用卡的发展思路也更趋向于在深思熟虑后再做决定。 今年以来，多家主要银行相继停发或调整了部分联名信用卡产品。不可否认的是，联名信用卡的停 发，反映出银行信用卡业务格局的重塑。 年内多家银行联名信用卡停发 业内专家认为，银行联名信用卡的合作授权一般有期限约定，在合作到期后，出于版权需要，银行 会停发该合作授权的联名产品。 但除此之外，银行信用卡市场整体发展思路的转变，也是各家银行调整联名信用卡发卡计划的重要 原因。 "在信用卡新规的作用下，信用卡已逐渐从低质量的'拉新'向高质量的'留存'转变。联名信用卡作 为'获客'的作用在下降。"业内人士告诉《金融时报》记者，在多重因素促使下，信用卡业务正从拓客 思维转向以价值贡献驱动，现阶段各家银行更看重的是提升信用卡业务的核心竞争力。 银行信用卡业务迎来重要转型 业内专家普遍认为，联名信用卡停发释放的信号是信用卡行业整体正在进入战略重构期。 目前，各家银行对联名信用卡的规划调整仍未停止。"今年信用卡权益变动很大，调整仍在继 续。"某国有大型银行信 ...

据《证券日报》记者统计，今年已有长城人寿保险股份有限公司、阳光人寿保险股份有限公司、新华人 寿保险股份有限公司（以下简称"新华保险"）等6家保险公司合计举牌上市公司数量达10家。 本报记者 冷翠华 见习记者 杨笑寒 港交所最新信息显示，近日，瑞众人寿保险有限责任公司（以下简称"瑞众人寿"）增持中信银行股份有 限公司（以下简称"中信银行"）300万股，增持后，瑞众人寿所持中信银行股份约为7.44亿股，占其已 发行有投票权股份的5%，触及举牌线。 同时，通过举牌上市银行，险资也可以与被举牌上市银行形成协同效应，促进银保业务发展。例如，新 华保险在举牌杭州银行股份有限公司（以下简称"杭州银行"）后表示，本次权益变动完成后，新华保险 将通过股权纽带加强与杭州银行的深度合作，促进和杭州银行双方的银保业务发展，提升双方的价值。 今年以来，险资举牌上市公司"热情"不减，举牌标的中银行股居多。受访专家表示，险资举牌高股息大 盘股频次增加的原因，一是应对利率中枢下行带来的冲击；二是，在新会计准则实施的背景下平滑报表 波动。展望未来，预计险资举牌时将持续关注现金流稳定、估值合理、处于成长性行业的上市公司。 展望未来，杨帆认为，险 ...

业内人士表示，随着全国性股份制银行的加入，AIC或将成为银行参与科技金融和股权市场的重要 途径之一，这也有利于银行业高质量发展。 新增2家申请设立AIC 今年3月5日，国家金融监督管理总局发布《关于进一步扩大金融资产投资公司股权投资试点的通 知》明确，支持符合条件的商业银行发起设立AIC。 5月7日，国家金融监督管理总局局长李云泽在国新办新闻发布会上表示，支持符合条件的全国性商 业银行设立AIC，近日即将陆续批复。当天，兴业银行筹建AIC获批，这也是首家全国性股份制银行 AIC获批。 银行系AIC（金融资产投资公司）队伍正加速扩容。继5月7日国家金融监督管理总局发布《关于筹 建兴银金融资产投资有限公司的批复》，同意兴业银行筹建兴银金融资产投资有限公司（名称暂定） 后，5月8日，中信银行、招商银行均发布了有关出资设立AIC的公告。 2020年，原中国银行保险监督管理委员会陆续批准5家AIC通过其附属机构，在上海开展不以债转 股为目的的股权投资。2024年9月24日，国家金融监督管理总局发布相关政策，明确将AIC股权投资试 点范围由上海扩大至北京、天津、重庆、南京等18个大中型城市，同时放宽股权投资金额和比例限制 ...

Core Viewpoint - The re-issuance of AIC licenses marks a shift in focus from debt-to-equity swaps to supporting the development of new productive forces in the financial sector [1] Group 1: AIC License and Bank Recognition - The National Financial Regulatory Administration approved the establishment of the Xingyin Financial Asset Investment Company by Industrial Bank, with other banks like China Merchants Bank and CITIC Bank also planning to set up similar companies pending regulatory approval [1] - This indicates regulatory recognition of the strength of these banks, which have carved out their positions in the market through innovation despite lacking the capital strength of state-owned banks [1] Group 2: Financial Performance Comparison - As of March 2025, the total assets of China Merchants Bank, Industrial Bank, and CITIC Bank were 12.5 trillion, 10.6 trillion, and 9.9 trillion yuan respectively, with China Merchants Bank leading in all major financial metrics [2][4] - China Merchants Bank's net profit for 2024 was 149.6 billion yuan, significantly higher than the 77.5 billion yuan of Industrial Bank and 69.5 billion yuan of CITIC Bank [2] Group 3: Retail Business Focus - Retail banking is identified as a cornerstone for future competition among these banks, with Industrial Bank and CITIC Bank actively working to enhance their retail business capabilities [3] - The ability to excel in retail banking and wealth management will likely determine which bank secures the second position among the joint-stock banks [3] Group 4: Asset Growth Trends - Over the past decade, while Industrial Bank and CITIC Bank have pursued aggressive growth strategies, the asset gap with China Merchants Bank has widened, with their total assets at 85% and 79% of China Merchants Bank's respectively by 2024 [4][7] - China Merchants Bank's financial investments grew 2.65 times from 2017 to 2024, indicating a strategic shift towards government bonds amid a challenging lending environment [7] Group 5: Net Interest Margin and Cost of Deposits - In 2024, China Merchants Bank's net interest margin was 1.98%, outperforming Industrial Bank and CITIC Bank by approximately 20 basis points [11][12] - The lower cost of deposits at China Merchants Bank, primarily due to a higher proportion of low-cost personal deposits, contributes to its competitive advantage [11] Group 6: Strategic Directions and Future Outlook - The transition from the old economic cycle to a new one focused on technology, industry, and finance presents opportunities for banks to identify new business avenues [20] - Industrial Bank's strategy of combining commercial and investment banking positions it well to capitalize on emerging trends in the financial landscape [21]

Core Viewpoint - The recent regulatory measures in Henan province aim to standardize auto consumer finance practices, capping the actual customer interest rate at no more than double the current one-year Loan Prime Rate (LPR), effectively addressing high commission issues and shifting the market focus from price wars to value competition [1][2][4]. Group 1: Regulatory Changes - Several banks in Henan, including Everbright Bank and Agricultural Commercial Bank of Henan, have announced new regulations to control financing costs for car buyers, setting the annualized interest rate cap at 6% and credit card installment fees at a maximum of 16% [2]. - The new regulations also prohibit auto dealers from coercing customers into high-commission financial products and aim to stabilize the auto consumer finance market in Henan [2][3]. Group 2: Market Dynamics - The previous high-interest, high-rebate model involved banks offering substantial commissions to auto dealers to boost market share, which led to unsustainable practices and risks for banks due to early loan repayments [3][4]. - The shift away from high-interest models is driven by narrowing interest margins for banks, prompting a need for strategic adjustments towards value-based competition, focusing on product design and service enhancement [4][5]. Group 3: Strategic Adjustments - Banks are beginning to adapt their auto finance strategies, with institutions like Ping An Bank enhancing their product offerings to meet comprehensive auto finance needs, including a focus on new energy vehicle loans and improved online loan processes [5].

Core Viewpoint - Data is being recognized as the fifth production factor, significantly reshaping the balance sheets of commercial banks as they actively explore the integration of data resources into their financial statements [1][2][3]. Group 1: Importance of Data Resource Integration - The integration of data resources into financial statements is crucial for commercial banks to accelerate digital transformation and enhance their ability to serve the real economy [1][2]. - The implementation of the "Interim Regulations on Accounting Treatment Related to Enterprise Data Resources" has provided a framework for converting data resources into data assets [2][5]. - Data resource integration is seen as a response to national policy initiatives aimed at developing digital finance and improving data governance [7][9]. Group 2: Current Practices and Developments - Several national joint-stock banks and city commercial banks have begun to establish standardized processes for data resource integration, including inventory, rights confirmation, and valuation [3][4]. - As of the end of 2024, banks like Hengfeng Bank and Citic Bank have reported data resource values in the range of hundreds of thousands to millions of yuan, with Everbright Bank leading at over 18 million yuan [3][4]. - City commercial banks are also actively participating, with Ningbo Bank reporting a data resource value of 6 million yuan and Hangzhou Bank at 327.4 thousand yuan [4]. Group 3: Challenges and Future Outlook - The current stage of data resource integration is exploratory, with the actual scale of integration remaining limited compared to other industries [5][8]. - The primary challenges include the valuation and rights confirmation of data resources, which are complicated by the diverse types and uses of data [8][9]. - The establishment of a comprehensive data asset valuation framework by the China Banking Association aims to address these challenges and facilitate the marketization of data resources [8][9]. Group 4: Strategic Recommendations - To enhance the integration of data resources, banks are encouraged to strengthen data governance, improve IT infrastructure, and develop a clear lifecycle management system for data assets [9][10]. - Collaboration among government, industry associations, and enterprises is essential to create standardized valuation methods and operational guidelines for data resource integration [9][10].

采用孰高原则 近期，建设银行、中信银行等银行纷纷上调代销的部分公募基金产品风险等级，农业银行发布代销 公募基金产品风险等级评价及动态评估规则的公告。 业内人士表示，银行此举主要是为了落实《商业银行代理销售业务管理办法》要求，对代销公募基 金产品风险等级从严评定，即按照风险孰高原则确定最终评级结果。随着《代理销售办法》正式实施日 期（10月1日）逐渐临近，基金销售适当性管理中的问题，如基金产品风险等级难以精准匹配客户真实 风险承受能力、部分银行在代销基金产品准入环节过度依赖第三方机构评估等，有望得到改善。 代销基金风险评级趋严 5月30日，建设银行发布关于调整部分代销公募基金产品风险等级的公告。建设银行表示，根据 《证券期货投资者适当性管理办法》《基金募集机构投资者适当性管理实施指引（试行）》等规定，为 切实履行适当性义务，保护投资者权益，该行遵循产品风险等级评定孰高原则，近期调整了部分代销公 募基金产品风险等级，包括将4只基金的风险级别由R3上调至R4。 这已是建设银行今年以来第二次发布调整部分代销公募基金产品风险等级的公告。今年2月该行发 布公告称，已对21只代销公募基金产品风险等级进行上调。 5月23日， ...

中国经济网北京7月8日讯 国家金融监督管理总局网站近日公布的国家金融监督管理总局江西监管 局行政处罚信息公开表显示，中信银行股份有限公司南昌分行及相关责任人存在贷款管理不到位、违规 发放贷款、违规办理国内信用证业务的违法违规行为。 国家金融监督管理总局江西监管局对中信银行股份有限公司南昌分行罚款190万元；对王品、彭 缨、章成、王旭、潘杰、郭淑文、蒋辰、张静、胡明睿、杜慧芳、李剑春、周志凌等责任人员警告并罚 款共计79万元。 以下为原文： | 序号 | 当事人名称 | 主要违法违规行为 | 行政处罚内容 对中信银行股 | 作出决定机关 | | --- | --- | --- | --- | --- | | | | | 份有限公司南 昌分行罚款 190万元;对 | | | | | | 王品、彭缪、 | | | | 中信银行股 | 贷款管理不到位;违规 | 章成、王旭、 | 国际金融监督 | | | 份有限公司 | | 潘杰、郭淑 | | | 1 | | 发放贷款;违规办理国 | | 管理总局江西 | | | 南昌分行及 | 内信用证业务 | 文、蒋辰、张 | 监管局 | | | 相关责任人 | | 静、胡明睿、 ...

（责任编辑：魏京婷） 中国经济网北京7月11日讯 据中信银行股份有限公司纪委、六盘水市纪委监委消息：中信银行股份 有限公司财富管理部副总经理袁东宁涉嫌严重违纪违法，目前正在接受中信银行股份有限公司纪委纪律 审查和六盘水市监委监察调查。 ...