Core Viewpoint - The article highlights the initiatives taken by China CITIC Bank's Beijing branch to enhance public awareness and prevention capabilities against telecom and online fraud through various community engagement activities [1][5]. Group 1: Community Engagement Activities - China CITIC Bank Beijing branch organized a "National Anti-Fraud Action Month" to promote fraud awareness among citizens, emphasizing the theme "Anti-Fraud is a Mandatory Course" [1]. - The bank conducted specialized training for new employees at the Central Party School, using real case studies to explain various fraud methods and distributing over 100 promotional materials [2]. - A collaboration with a military family compound focused on educating the elderly about pension fraud, distributing over 200 informational materials and analyzing typical scams [3]. Group 2: Corporate and Employee Protection - The bank's Oak Bay branch integrated anti-fraud services with payroll card issuance, providing practical fraud prevention advice and distributing over 150 anti-fraud handbooks to employees [4]. - The bank's CITIC City branch partnered with local community committees and police to conduct interactive anti-fraud activities, distributing over 200 promotional materials and assisting residents, especially the elderly, in installing the National Anti-Fraud Center App [5]. Group 3: Future Initiatives - China CITIC Bank Beijing branch plans to continue innovating anti-fraud promotional methods, increasing resource investment, and deepening collaboration to strengthen public understanding of fraud prevention as a lifelong learning topic [5].

"信用卡不香了""高端卡权益缩水"……7月以来，信用卡市场调整更为频繁。 中信银行信用卡权益缩水 近期，中信银行等多家银行信用卡发布公告称，将调整停发部分信用卡，其中多数为联名卡。 同月，招商银行、光大银行、浦发银行等多家银行相继官宣部分高端卡产品权益及活动更新，主要涉及提高使用门 槛、调整积分规则、削减高端权益等。此外，年内获批终止营业的银行信用卡分中心已超40家，仅7月便有5家银行信 用卡分中心关闭。 值得注意的是，早在去年9月，中信银行就公告调整中信银行银联i白金信用卡"i白金专属36+1新生活"交易权益规则， 调整后获取交易权益点除要求满足每月交易金额外，还新增了其中银联渠道交易金额的限制。 中信银行客服承认所有活动和权益"不是一成不变"，银行会根据经营策略调整，但这一做法无疑大幅削弱了用户粘 性。 行业分析人士分析，银行信用卡权益"缩水"原因或在于"降本"。结合财报数据来看，大多银行信用卡规模与业绩双 降。调整权益服务一方面可能是应对市场环境周期性变化，但更多可能是经营效果未达到预期，信用卡投入与预计产 出不匹配。 信用卡不良率攀升 从数据来看，中信银行信用卡贷款余额、交易量、收入均出现不同程度下滑 ...

Group 1: Financial Services Technology Innovation - The financial services technology innovation reforms have shown significant results in the first half of the year, including the acceleration of equity investment pilot programs for financial asset investment companies (AIC) to address capital supply bottlenecks for tech enterprises [1] - The pilot program for equity investment by AIC has expanded, with signed intention amounts exceeding 380 billion yuan, and the pilot scope has been extended to 18 major cities [2] - By the end of June, five AIC equity funds had been established in Guangdong, with a total scale of 4.7 billion yuan, and two funds had already invested 54 million yuan in two projects [2] Group 2: Knowledge Property Financial Ecosystem - The National Financial Regulatory Administration has initiated a comprehensive pilot for the knowledge property financial ecosystem, focusing on issues such as registration, evaluation, and disposal of intellectual property [5] - As of the end of June, the balance of intellectual property pledge loans in Guangdong exceeded 46.6 billion yuan, reflecting a year-on-year growth of 7.1% [5] - The collaboration between banks and government departments has led to the establishment of a mechanism for interest subsidies on intellectual property loans, further reducing financing costs for enterprises [6] Group 3: Support for Technology Industry Integration - The financial regulatory authority has relaxed certain provisions of the commercial bank merger loan risk management guidelines to support technology enterprises, allowing loans to cover up to 80% of the transaction value [7] - By the end of June, banks in Guangzhou had provided credit for 23 pilot technology enterprise merger projects, amounting to over 8.3 billion yuan, with 10.3 million yuan already disbursed for seven projects [8] - The new policies and support mechanisms aim to enhance the operational management and resource integration capabilities of leading companies in the technology sector [7][8]

证券之星消息，7月30日股份制银行板块较上一交易日上涨0.59%，平安银行领涨。当日上证指数报收于 3615.72，上涨0.17%。深证成指报收于11203.03，下跌0.77%。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) | | --- | --- | --- | --- | --- | --- | | 000001 | 平安银行 | 12.49 | 1.22% | 171.52万 | 21.50亿 | | 601998 | 中信银行 | 8.19 | 0.86% | 55.85万 | 4.58亿 | | 601818 | 光大银行 | 4.08 | 0.74% | 154.46万 | 6.31亿 | | 600000 | 浦发银行 | 12.88 | 0.70% | 72.16万 | 9.28 6 | | 600036 | 招商银行 | 44.42 | 0.63% | 72.55万 | 32.22 乙 | | 601916 | 浙商银行 | 3.43 | 0.29% | 205.64万 | 7.08亿 | | 601166 | 兴业银行 ...

近期，北京泛华新兴体育产业股份有限公司（简称"泛华体育"）相关负责人到访中信银行北京分行，对 该行涉外保函的开立对企业在海外业务开展中起到的关键支持作用表示感谢，对该行工作人员在业务办 理过程中的专业高效、贴心周到的服务给予高度肯定。 泛华体育主营体育运动设施设计建设，为该细分行业内头部企业，是国家高新技术企业、专精特新企业 及专精特新"小巨人"企业，曾为2008年北京奥运会、2014年APEC（亚太经合组织）峰会、2015年非洲 运动会、2022年卡塔尔世界杯、2022年北京冬奥会、2023年亚洲杯等重要国内外体育赛事和活动进行体 育场馆建设。 本次泛华体育承揽2034年沙特世界杯及2027年贝尔格莱德专业类世界博览会两个大型国际赛事体育运动 设施建设，中信银行北京分行在了解到泛华体育具有涉外保函需求后，迅速响应并设计授信方案进行落 地。本次涉外保函涉及保函开立后由境内境外多家行转递通知，审定保函文本是否符合境外当地法律， 保函需当地外资行进行转开等复杂业务流程。考虑到以上情况，中信银行北京分行迅速组建专业团队解 决业务中遇到的问题，沟通境内境外多家银行保障本次业务高效及时落地，为企业海外业务开展提供了 重 ...

来源|环球老虎财经 中信金融资产大手笔增持光大银行股权。 据了解，中信金融资产此前持有的光大银行股权主要来源于可转债转股。2023年3月，在光大银 行300亿元可转债到期前，中信金融资产将其持有的1.40亿张可转债转换为普通股。转股完成后， 中信金融资产持有光大银行41.85亿股，约占总股本的7.08%。 7月23日晚间，光大银行发布公告称，中信金融资产在2025年1月20日至7月22日期间，累计增持 该行5.43亿股，持股比例由7.08%提升至8.00%。按当前股价估算，其持股市值已上升至约195.22 亿元。 除光大银行外，中信金融资产近期也在持续增持其他银行股。公开信息显示，仅2025年6月单 月，中信金融资产便增持中国银行H股23.84亿股。按披露的每股平均价计算，当月增持耗资约 109.83亿元。 6月23日，据港股披露易信息，中信金融资产共持有中信银行11.23亿股H股，约占H股总股本的 7.55%。按当前市价估算，这部分持仓市值约为85.73亿港元。 综合上述情况，中信金融资产目前已出现在光大银行、中国银行和中信银行的主要股东行列中。 初步估算，其在这三家银行的合计持仓市值约为921.84亿元。 ...

Core Viewpoint - Consumption has become a crucial engine for economic growth in China, with a series of policies aimed at boosting domestic demand and consumption being implemented this year [1]. Financial Support for Consumption - The People's Bank of China and six other departments issued the "Guiding Opinions on Financial Support for Boosting and Expanding Consumption," outlining 19 key measures to enhance financial support for consumption [1]. - Multiple banks have developed action plans to support consumption, focusing on deepening consumer scenarios, product innovation, and optimizing resource allocation [2]. Bank Initiatives - China CITIC Bank has launched a comprehensive plan combining credit support, scenario discounts, and green incentives to lower consumer costs and enhance spending willingness [2]. - Jiangsu Bank has introduced 18 measures to support consumption, focusing on enhancing consumer capacity and improving financial services [2]. Focus on Key Consumption Areas - The "Guiding Opinions" emphasize increasing financial support for key consumption areas and innovating financial products tailored to consumer scenarios [3]. - China Bank has introduced a consumer credit loan with a low interest rate and high loan limit, alongside significant tourism subsidies [3]. - Everbright Bank is promoting various consumer activities through online platforms, aiming to create a closed loop of payment, rights, and consumption [3]. Service Consumption Growth Potential - Service consumption remains a shortfall in China's consumption landscape, with the "Guiding Opinions" encouraging financial institutions to increase credit support for service sectors like retail, hospitality, and elder care [4]. - The People's Bank of China has established a 500 billion yuan service consumption and elder care relending facility to stimulate financial support for these sectors [5]. Bank Responses to Policy - Banks are quickly responding to the new policies, with examples including Construction Bank providing financing for elder care facility upgrades and Zheshang Bank supporting hotel renovations [5]. - The China Banking Research Institute anticipates that consumption growth will be driven by policy effectiveness and the release of service consumption potential in the second half of the year [5]. Recommendations for Financial Institutions - Financial institutions are encouraged to enhance their understanding of consumption support, innovate financial products, and integrate more consumer scenarios into their offerings [6]. - Banks should focus on traditional consumption upgrades, service consumption expansion, and new consumption cultivation to better meet market demands [6].

转自：新华财经 近日，为积极响应国家金融知识普及号召，提升公众金融素养和反诈意识，中信银行遵义新蒲支行携手 遵义新蒲某中医院，联合当地警察同志，在中医院成功举办了一场别开生面的全民反诈宣传和投资理财 分享活动。此次活动约100余名职工参与，以真实案例警示为切入点，结合专业金融知识讲解与互动竞 答，为医院职工送上一场"干货满满"的反诈教育课。 真实案例敲警钟，反诈意识先扎根 活动伊始，新蒲某中医院院长结合身边发生的真实诈骗案例，深刻剖析了当前诈骗手段的隐蔽性与危害 性，强调全体职工需时刻保持警惕，筑牢思想防线。警方代表则进一步补充了常见诈骗类型的识别技巧 与应对措施，通过以案释法的方式，增强了职工的反诈实战能力。 中信银行专业解读，揭开金融产品"真面目" 新蒲支行聚焦"了解正规金融产品识别诈骗"展开专题讲解，从产品本质、风险特征、合规渠道三个维 度，系统解读存款、基金及理财等系列产品，为职工厘清"正规军"与"诈骗套路"的边界。针对职工最关 心的"安全与收益"问题，支行副行长先以存款产品为例，详解活期存款、定期存款的区别："存款受 《存款保险条例》保障，50万元以内本金100%安全，这是正规存款与'高息揽储'诈骗 ...

Core Viewpoint - The A-share market has seen a collective rise in bank stocks, with notable increases in Postal Savings Bank and Ping An Bank exceeding 2% [1] Group 1: Stock Performance - Postal Savings Bank (601658) increased by 2.67%, with a total market value of 691.7 billion and a year-to-date increase of 6.39% [2] - Ping An Bank (000001) rose by 2.11%, with a market value of 244.5 billion and a year-to-date increase of 11.07% [2] - Qingnong Commercial Bank (002958) saw a rise of 1.99%, with a market value of 19.9 billion and a year-to-date increase of 21.86% [2] - Other banks such as Chongqing Rural Commercial Bank (601077), CITIC Bank (601998), Agricultural Bank of China (601288), and others also reported increases ranging from 1.08% to 1.78% [2] Group 2: Market Trends - The overall trend indicates a positive sentiment in the banking sector, with multiple banks showing significant year-to-date performance improvements, particularly Qingnong Commercial Bank and Agricultural Bank of China, both exceeding 20% [2] - The collective rise in bank stocks suggests a potential recovery or growth phase in the banking industry, attracting investor interest [1]

本次WAIC上，中信金控重点呈现了其为影石创新、本末科技等6家不同领域科创企业提供的"全链 条"服务样板。从初创期的智库支持与信用贷款，到成长期的上市辅导与资源对接，再到成熟期的并购 重组与全球布局，"一个中信，一个客户"的理念贯穿始终，展现了金融资源如何精准适配科技企业成长 的每一步，为它们突破关键核心技术、实现高质量发展提供坚实支撑。以下为对话实录： 观察者网： 在当前科技与产业加速融合的背景下，中信在支持实体经济，尤其是科技型企业发展 方面有哪些独特的"科产融"结合模式？未来是否有新的创新规划？ 中信金控： 中信集团依托"金融全牌照+实业广覆盖"的优势，实施了科技金融专项行动，构建了以 股权投资为主、"股贷债保"联动的多层次接力式科技金融服务体系。例如，我们成立了中信股权投资联 盟，聚合集团旗下20多家私募股权投资机构，管理基金规模超3200亿元，直接投资孵化科创企业1100 家，支持了一批行业龙头企业的快速发展。 同时，我们创新推出了中信企业家办公室"人-家-企-社"服务模式，将服务从个人延伸至家庭、企业 和社会价值实现。目前，我们已累计服务国家级专精特新及制造业单项冠军企业超1.41万家，业务落地 ...