每经编辑｜张锦河 5月21日，平安银行在官网发布公告称，我行自2025年5月21日起调整储蓄及单位人民币存款利率。 存款利率迎来新一轮下调。 在5月20日中国银行、中国工商银行、中国建设银行及招商银行等多家银行宣布下调人民币存款利率后，5月21日，平安银行、中信银行、兴业银行、浦发银 行、民生银行、广发银行、华夏银行7家银行也跟进下调存款利率。 上述7家股份制银行将1年、2年定期利率均调降了15个基点。其中，1年定期存款利率均下调至1.15%；2年定期存款利率普遍下调至1.20%，民生银行下调至 1.15%。3年、5年定期存款利率普遍下调了25个基点，分别下调至1.30%、1.35%。 | 适用日期: 2025-5-21 | | 单位:年利率% | | --- | --- | --- | | 期限 | 基准利率 | 挂牌利率 | | (一)活期存款 | 0.35 | 0.05 | | (二) 定期存款 | | | | 三个月 | 1.10 | 0.70 | | 未 年 | 1.30 | 0.95 | | 一 年 | 1.50 | 1.15 | | 二年 | 2.10 | 1.20 | | 三 年 | 2.75 ...

7家股份制银行跟进下调人民币存款利率 智通财经5月21日电，中国银行、工商银行、建设银行、招商银行等多家银行5月20日宣布下调人民币存 款利率后，5月21日，平安银行、中信银行、兴业银行、浦发银行、民生银行、广发银行、华夏银行7家 银行跟进下调存款利率，将1年、2年定期利率均下调15个基点。 ...

Group 1 - CITIC Group is a large comprehensive enterprise group founded in 1979, headquartered in Beijing, and is one of the first multinational enterprises established after China's reform and opening up [1] - The group operates under a unique "finance + industry" dual-drive model, covering sectors such as finance, resource energy, high-end manufacturing, and engineering contracting [1] - CITIC Group has a significant presence in both domestic and international markets, consistently ranking in the Fortune Global 500 [1] Group 2 - CITIC Bank, established in 1987, is one of the earliest emerging commercial banks in China, providing a wide range of financial services [3] - CITIC Securities, founded in 1995, is the largest securities company in China, leading in investment banking market share for five consecutive years [5] - CITIC Special Steel, established in 1993, is a global leader in special steel manufacturing, with products used in high-end applications [7] Group 3 - CITIC Heavy Industries, founded in 2008, specializes in heavy machinery manufacturing and has a global presence in 68 countries [10][11] - CITIC Offshore Helicopter, established in 1999, is the largest general aviation operator in China, focusing on offshore oil and emergency rescue services [13] - CITIC Guoan Information Industry, founded in 1997, holds a significant position in the integrated information services sector [15] Group 4 - CITIC Metal, established in 1988, is a leading trader of metal and mineral products, with a focus on iron ore and non-ferrous metals [17] - CITIC Publishing Group, founded in 1993, is a leading publishing group in China, focusing on book publishing and digital reading [18] - CITIC Resources Holdings, established in 1997, engages in the exploration and trading of natural resources [20] Group 5 - CITIC International Financial Holdings serves as the main asset integration platform for CITIC Group, covering various sectors including finance and manufacturing [22] - CITIC International Telecommunications is one of the largest international telecommunications hubs in the Asia-Pacific region [24] - CITIC Financial Asset Management, restructured in 2023, focuses on managing non-performing assets and financial services [26] Group 6 - CITIC Group's listed companies benefit from a "strategic control + market-oriented operation" model, enjoying resource synergy while maintaining competitiveness in niche markets [26] - Many of the group's listed companies are currently undervalued compared to their industry positions, presenting potential investment opportunities [26] - The ongoing national policy for state-owned enterprise value reassessment and the effective layout of emerging industries may lead to structural opportunities for CITIC Group companies [26]

Core Viewpoint - Several Chinese banks have announced a reduction in RMB deposit interest rates effective from May 21, 2025, indicating a trend towards lower interest rates in the banking sector [1][2]. Group 1: Interest Rate Adjustments - The seven joint-stock banks, including Ping An Bank, Industrial Bank, Minsheng Bank, CITIC Bank, Huaxia Bank, Guangfa Bank, and Pudong Development Bank, will lower the interest rate on demand deposits from 0.1% to 0.05%, a decrease of 5 basis points [1]. - The fixed deposit rates for 3-month, 6-month, and 1-year terms will be adjusted from 0.85%, 1.10%, and 1.30% to 0.70%, 0.95%, and 1.15%, respectively, each down by 15 basis points [1]. - For 3-year and 5-year fixed deposits, the rates will be reduced from 1.55% and 1.60% to 1.30% and 1.35%, representing a decrease of 25 basis points [1]. Group 2: Specific Bank Adjustments - Minsheng Bank will adjust its 2-year deposit rate from 1.30% to 1.15%, while the other six banks will lower their rates from 1.35% to 1.20%, a reduction of 15 basis points [2]. - Prior to this announcement, China Merchants Bank and Everbright Bank had already adjusted their deposit rates effective May 20, aligning their rates with the six major state-owned banks [2]. - After the adjustments, China Merchants Bank's fixed deposit rates for various terms will be set at 0.65%, 0.85%, 0.95%, 1.05%, 1.25%, and 1.30% for 3-month, 6-month, 1-year, 2-year, 3-year, and 5-year deposits, respectively [2].

Core Viewpoint - The development of foreign trade is a crucial engine driving high-quality urban economic growth, with Suzhou actively responding to national policies to stabilize foreign trade growth through innovative financial services [1][9]. Group 1: Financial Innovation - Financial innovation is a strong support for foreign trade enterprises to explore international markets, with Suzhou financial institutions focusing on actual enterprise needs to launch specialized financial products and services [2][3]. - Jiangsu Zhongxin Bo New Energy Technology Co., Ltd. exemplifies the empowerment of foreign trade enterprises by Suzhou financial institutions, achieving rapid growth with significant support from banks [3]. Group 2: Service and Product Innovation - Various financial institutions in Suzhou are innovating services and products to meet diverse enterprise needs, with the Industrial and Commercial Bank of China Suzhou Branch establishing a special credit limit of 300 billion yuan and launching unique products to assist enterprises in expanding globally [4]. - Agricultural Bank of China Suzhou Branch has introduced over ten hedging products to meet different risk management needs of enterprises, while other banks are enhancing support for small and medium-sized enterprises [4]. Group 3: Currency Risk Management - Currency fluctuations pose significant risks for foreign trade enterprises, and Suzhou financial institutions are helping businesses improve their currency risk management capabilities through innovative service models [5][6]. - The Agricultural Bank of China Suzhou Branch established the province's first "Small and Micro Enterprise Currency Risk Hedging Service Center" to provide one-stop services for local enterprises [5]. Group 4: Tailored Services - Suzhou financial institutions are actively providing tailored services to meet the personalized needs of foreign trade enterprises, including dedicated financial advisory services [8]. - Export credit insurance plays a crucial role in stabilizing enterprises' order and export confidence, while domestic trade insurance helps mitigate credit risks in domestic trade [8]. Group 5: Future Outlook - Facing complex international economic conditions, Suzhou financial institutions aim to continuously inject "financial vitality" into the sustainable operation and stable development of foreign trade enterprises [9].

为贯彻落实党中央、 国务院 决策部署，推动一揽子货币金融政策落地见效，支持经济持续回升向好，5月19日， 中国人民银行 行长潘功 胜主持召开金融支持实体经济座谈会并讲话。金融监管总局副局长周亮出席会议并讲话。 中国人民银行 副行长宣昌能、邹澜出席会议。 会议指出，4月25日 中央政治局 会议分析研究当前经济形势，对下一步经济工作作出重要部署。金融系统要提高政治站位，切实把思想和 行动统一到党中央决策部署上来，着力稳就业、稳企业、稳市场、稳预期，抓好一揽子货币金融政策措施的落实和传导，以高质量发展的 确定性应对外部环境急剧变化的不确定性。 会议强调，要实施好适度宽松的货币政策，满足实体经济有效融资需求，保持金融总量合理增长。加力支持科技创新、提振消费、民营小 微、稳定外贸等重点领域，用好用足存量和增量政策，提高金融支持实体经济质效，支持经济结构调整、转型升级和新旧动能转换。强化 货币政策执行和传导，维护市场竞争公平秩序，推动金融服务实体经济和银行自身可持续发展的有机统一。有序推进人民币国际使用，提 高贸易和投融资便利化水平。统筹发展和安全，坚决维护国家金融安全。 中国人民银行 、金融监管总局有关司局负责人，主要 ...

Investment Rating - The industry rating is "Positive" (maintained) [4] Core Viewpoints - The reduction in deposit rates is greater than expected, with the average reduction being 16 basis points, which is higher than the 10 basis points reduction in loan rates, indicating a clear regulatory support for interest margins [5] - The phenomenon of deposit disintermediation is expected to persist long-term, although the degree of disintermediation is weaker than last year due to manual interest compensation governance [2] - The average annualized yield for cash management products is 1.46%, which is higher than the actual interest rate for state-owned banks' 1-year deposits by 36 basis points, suggesting that wealth management products still have a comparative advantage over deposits [2] Summary by Sections Deposit Rate Adjustments - As of May 20, 2025, the LPR for 1-year and 5-year has been lowered by 10 basis points to 3.0% and 3.5% respectively, with significant reductions in various deposit rates across state-owned banks and China Merchants Bank [5] - The new rates for different deposit types include a reduction in the current deposit rate to 0.05% and a 15 basis point reduction for 3-month, 6-month, and 1-year fixed deposits [5] Market Impact - Short-term market expectations for interest rate cuts have been fully priced in, with limited immediate impact on bond market prices. However, in the medium to long term, the reduction in deposit rates may improve funding costs and lead to a decline in bond yields [3] - The improvement in funding costs is expected to enhance the ticket yield for banks, as previous constraints on allocation due to funding costs are alleviated [3] Investment Recommendations - The report suggests that bank stocks are not in the latter stage but rather at the beginning of a long cycle, with regulatory support for interest margins and declining rates benefiting dividend stocks [6] - Key recommendations include city commercial banks such as Jiangsu Bank and Chengdu Bank, as well as dividend-paying banks like Agricultural Bank and China CITIC Bank [6]

根据中国人民银行《准予行政许可决定书》（银许准予决字〔2025〕第 5 号）， 中信银行股份有限公司（以下简称"本行"）获准发行金融债券，2025 年金融债 券新增余额不超过 600 亿元，年末金融债券余额不超过 4,000 亿元。本行此次发 行的 2025 年科技创新债券（债券通）（以下简称"本期债券"）已于 2025 年 5 月 16 日簿记建档，并于 2025 年 5 月 20 日在全国银行间债券市场发行完毕。 本期债券发行规模为人民币 100 亿元，品种为 3 年期固定利率债券，票面利 率为 1.66%。本期债券募集资金将依据适用法律和监管部门的批准，用于发放科 技创新领域贷款等，支持科技创新业务的发展。 证券代码：601998 证券简称：中信银行 公告编号：临 2025-046 中信银行股份有限公司 关于 2025 年科技创新债券（债券通）发行完毕的公告 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。 特此公告。 中信银行股份有限公司董事会 2025 年 5 月 20 日 ...

来源：环球网 2025年5月20日，宁德时代新能源科技股份有限公司于香港联交所成功上市，成为A+H双平台上市企 业，并创下多项IPO市场纪录。中信集团通过多种金融工具深化与宁德时代合作，并协同旗下各板块资 源，为宁德时代全球化布局与可持续发展提供全方位赋能。 中信建投证券全力做好绿色金融、科技金融等"五篇大文章"，紧扣"要出国、找中信" "来中国、找中 信"服务品牌，以香港为国际化发展的桥头堡与主阵地，通过资本市场服务助力绿色企业、科技企业、 民营企业提升核心竞争力、加速企业出海等国际化进程。宁德时代作为新能源代表企业，本次融资有助 于推动"科技—产业—金融"良性循环，是中信助力新能源企业出海的又一标杆项目。 中信综合金融板块充分发挥"综合金融"的优势，在中信金控牵引下，坚定做好科技金融、绿色金融大文 章，推出"股贷债保"联动科技金融服务体系，"五位一体"绿色金融服务体系，通过多种金融工具深化与 宁德时代合作，为其提供综合金融服务。 2022年，宁德时代成为中信金控战略客户，中信企业家办公室客户。 展望未来，中信将继续秉持专业精神，深耕新能源领域，助力更多优秀企业走向世界舞台，向着"双 碳"目标携手共进，共同 ...

向新而行，金融动能澎湃。 近日，科技部、中国人民银行等七部门联合印发《加快构建科技金融体制 有力支撑高水平科技自立自 强的若干政策举措》（以下简称《政策举措》），围绕创业投资、货币信贷、资本市场、科技保险支持 科技创新等方面，提出15项科技金融政策举措。 在业内人士看来，《政策举措》的出台推动更多金融资源进入科技创新领域，引导金融资本更多投早、 投小、投长期、投硬科技，切实破解金融支持科技创新堵点难点问题。 作为我国金融体系的核心支柱，银行业在资金、客群等方面具备先天优势，是支持科创企业、赋能新质 生产力的重要力量，也是长期资金、耐心资本的重要来源。 如何让更多来自银行系的耐心资本为科创领域注入活水，助力科创企业跨越初创周期，实现茁壮成长？ 金融资产投资公司的扩容，又将为银行参与股权投资带来哪些新的发展契机？今年以来，一系列金融新 政的陆续落地，为科创企业"解近渴""纾远忧"带来了更多的解决方案。 信贷加力"解近渴" 当前，我国银行业支持科创企业的模式主要包括信贷支持、股权直投、投贷联动三种方式，在以间接融 资为主的融资结构之下，信贷支持一直是银行机构服务科创企业的主要方式。 在中国人民银行等金融管理部门的引 ...