上证报中国证券网讯（记者 徐潇潇）8月8日，记者从平安银行官方微信公众号"平安票号"了解到，Visa全球高级副总裁兼大中华区总裁于雪莉一行来访平安银行。平安银行行长助理王军、平 据了解，曹慰原为招商银行信用卡中心副总经理。今年上半年有消息称，曹慰将出任平安银行信用卡中心总裁，正在办理入职手续。"平安票号"8日的动态信息证实了曹慰已到任平安银行信用卡 曹慰在招商银行零售业务板块深耕多年，历任信用卡中心市场企划部副总经理、总行零售金融部总经理助理。2021年8月6日，其招行信用卡中心副总经理的任职资格获核准。 平安银行信用卡中心前任总裁为刘显峰。去年10月，平安银行回应上海证券报记者称，平安银行信用卡中心总裁刘显峰因个人原因，接受外部有关单位调查。 彼时，平安银行行长助理张朝晖兼任信用卡中心总裁。直至今年3月，张朝晖分管领域调整，改兼任深圳分行行长，不再兼任该行信用卡中心总裁。 来源：上海证券报·中国证券网 ...

Group 1 - Visa's Global Senior Vice President and President of Greater China, Yu Xue Li, visited Ping An Bank, indicating a strengthening relationship between the two financial institutions [1] - The meeting included key figures from Ping An Bank, such as Wang Jun, Assistant President, and Cao Wei, President of the Credit Card Center (pending approval) [1] - In April, it was reported that Cao Wei, former Deputy General Manager of the Credit Card Center at China Merchants Bank, would take on the role of President at Ping An Bank's Credit Card Center [1]

Group 1 - The banking sector experienced a decline of 0.24% on August 8, with China Merchants Bank leading the drop [1] - The Shanghai Composite Index closed at 3635.13, down 0.12%, while the Shenzhen Component Index closed at 11128.67, down 0.26% [1] - Among the listed banks, Shanghai Pudong Development Bank saw the highest increase of 1.72%, while China Merchants Bank had the largest decrease of 1.37% [1] Group 2 - The banking sector faced a net outflow of 365 million yuan from main funds, while retail investors contributed a net inflow of 363 million yuan [1] - Specific banks like Huaxia Bank and China Merchants Bank experienced significant net outflows from main funds, with China Merchants Bank seeing a net outflow of 239 million yuan [1] - Retail investors showed strong interest in several banks, with notable inflows into Huaxia Bank and China Merchants Bank, despite the overall outflow from main funds [1]

作为资产规模超9万亿元的股份制银行，浦发银行一直以来都是吸纳人才的大户，员工总数超6万 人。但从近两年的数据来看，浦发银行也在对团队进行优化。 东方财富Choice数据显示，浦发银行员工数量也从年初的63582人下降到年中的61892人，半年减少 1690人。值得关注的是，在2022年末，浦发银行职工总数曾高达64731，不到两年的时间，浦发银行已 减少近3000人。 此外，还有部分银行出现了小幅"缩编"。例如，南京银行员工数量从年初的16342人下降到年中的 16260人，减少82人；沪农商行员工数量从年初的11295人下降到年中的11240人，小幅减员55人。 作为传统就业大户，银行一直都是金融专业毕业生就业的重要选择。然而，在金融科技降本增效的 作用下，银行对于人力资源的依赖正在逐步降低，精简团队、提升科技人员占比成为不少机构的选择。 随着上市银行中报的陆续披露，各家银行的员工变动情况正在逐步浮出水面。从上半年的情况来 看，哪些银行正在优化人才队伍？哪些银行又在扩充"正规军"？ 多家银行优化人员结构 截至《金融时报》记者发稿前，共有7家上市银行公布了2024年中期业绩报告，5家上市银行公布了 2024年 ...

Group 1: Background of Banks Focusing on Corporate Clients - The rise of industrial digitalization presents opportunities for banks to overcome challenges in traditional supply chain finance, enabling better access to real-time and reliable data [1] - The integration of big data, AI, and IoT technologies allows banks to identify potential risks and monitor new types of collateral in real-time, facilitating a shift towards a more intelligent supply chain finance model [1] Group 2: Promoting High-Quality Development of Inclusive Finance - Despite efforts to advance inclusive finance, banks face challenges in serving the diverse needs of small and micro enterprises, leading to incomplete and uneven service [2] - By leveraging financial technology, banks can better understand enterprise operations and provide comprehensive "financial + non-financial" services, enhancing customer satisfaction and loyalty [2] Group 3: Implementing the Five Key Financial Areas - The central financial work conference outlines five key areas for banks: technology finance, green finance, inclusive finance, pension finance, and digital finance, guiding future development [3] - Engaging in corporate scene finance can help banks address challenges such as talent shortages and information asymmetry, enabling them to provide tailored financial products and services [3] Group 4: Development Strategies for Corporate Scene Finance - Banks need to carefully select corporate finance scenes based on their resources and strategic goals, integrating these into their overall development plans [4] - Establishing industry selection principles and internal organizational structures is crucial for the sustainable development of scene finance [4] Group 5: Intelligent Transformation of Supply Chain Finance - Banks are adopting advanced technologies like big data, AI, and IoT to upgrade supply chain finance, enhancing data integration and creating intelligent systems [5] - The goal is to develop automated business models that can be applied in specific scenes, thereby deepening the supply chain finance landscape [5] Group 6: Empowering Merchant Operations - Banks are providing differentiated operational tools such as IaaS, PaaS, and SaaS to support the digital transformation of merchants and small enterprises [6] - By exploring new technologies like IoT and blockchain, banks aim to offer comprehensive solutions that reduce costs and improve operational efficiency [6] Group 7: Comprehensive "Financial + Non-Financial" Service Orientation - Banks are increasingly offering integrated "financial + non-financial" services to meet diverse customer needs, leveraging high-frequency non-financial scenarios to drive financial engagement [7] - Collaborations with various industries help create unique service offerings, enhancing customer experience and satisfaction [7][8] Group 8: Innovative Practices in Corporate Scene Finance - The digital supply chain finance sector is undergoing transformation, with banks like Ping An leveraging IoT and satellite technology to create a new supply chain finance model [9] - This model addresses financing challenges for small and micro enterprises by reducing reliance on core enterprise credit [9] Group 9: Innovations in Smart Agriculture - In the context of rural revitalization, banks are focusing on the livestock industry, utilizing IoT and AI to create innovative financial models that address the lack of traditional collateral [10] - New products like "Smart Livestock Loans" and advanced risk control technologies are being developed to support this sector [10] Group 10: Innovations in Smart Canteens - Banks are innovating in the smart canteen sector to enhance customer engagement and operational efficiency, employing technologies like facial recognition and AI for seamless service [11] - Collaborations with companies like Meituan are aimed at improving dining experiences while driving financial demand [11] Group 11: Innovations in Smart Parks - Smart parks are becoming a focal point for banks, leveraging technologies like big data and cloud computing to provide diverse services and enhance user experience [12] - The development of a smart park management system allows banks to analyze data and improve operational efficiency [12]

本报记者 冷翠华 一组看似矛盾的数据刚刚出炉——根据上市险企和上市银行2024年年报，去年上市险企银保收入大 多同比上涨，而上市银行代销收入却普遍同比下降，部分银行保险代销收入甚至呈现同比锐减。 业内人士认为，上述看似矛盾的数据背后，是"报行合一"政策的落地实施，以及银保业务的转型发 展。未来，银保渠道仍将是保险业非常重要的渠道，"价值银保"是险企要着力推进的重点工作之一。 具体来看，农业银行去年实现手续费及佣金净收入755.67亿元，较2023年减少45.26亿元，下降 5.7%。其中代理业务收入下降20.6%，主要是代理保险相关手续费收入减少；建设银行2024年年报显 示，手续费及佣金收入中，代理业务手续费收入144.12亿元，较2023年减少44.82亿元，降幅23.72%， 主要受保险、基金等降费政策影响；此外，招商银行去年实现代理保险保费1172.25亿元，同比增长 21.07%，不过，其代理保险收入64.25亿元，同比下降52.71%；平安银行2024年代理及委托手续费收入 54.34亿元，同比下降29.4%，主要是代理个人保险收入下降。 普华永道管理咨询（上海）有限公司中国金融行业管理咨询合伙人 ...

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].

王方舟任资产管理事业部公募团队投资经理。2019年加入平安证券，先后在资产管理事业部从事固 定收益交易、投资工作。 中国经济网北京5月19日讯 今日，平安证券股份有限公司公告，朱娟离任平安现金宝现金管理，王 方舟管理。 平安现金宝现金管理成立于2022年6月24日，截至2025年5月16日，累计收益率为3.21%。截至2025 年3月31日规模293.24亿元。 | 基金名称 | 平安证券现金宝现金管理型集合资产管理计划 | | --- | --- | | 基金简称 | 平安现金宝现金管理 | | 基金主代码 | 970172 | | 基金管理人名称 | 平安证券股份有限公司 | | 公告依据 | 《证券投资基金信息披露管理办法》、《平安证 | | | 券现金宝现金管理型集合资产管理计划》 | | 基金经理变更类型 | 解聘基金经理 | | 共同管理本基金的其他基金经理姓名 | 王方丹 | | 离任基金经理姓名 | 朱娟 | （责任编辑：康博） ...

上半年，平安银行零售业务实现营业收入433.53亿元，同比增长12.3%，在营业收入中占比为55.3%，同 比略有下降。同时，该行加大了零售资产的拨备计提力度，零售业务净利润74.80亿元，在净利润中占 比为54.7%，同比有所下降，仍在合理范围内。 业绩发布会上，平安集团总经理兼联席CEO、平安银行董事长谢永林表示："未来三年，我们在业务上 的目标是要重塑资产负债表，打造数字银行、生态银行、平台银行三张名片。前面四年的科技职能为我 们这个目标提升了重要的支撑，我们有信心在新三年借助我们集团的科技优势，依托现有的科技能力在 下一个发展周期当中稳健起飞，兑现承诺，把平安银行科技属性、科技特色越做越鲜明，真正成为一个 科技的银行。" 平安银行2020年半年报显示，受疫情带来的不确定性影响，根据经济走势及国内外环境预判，该行主动 加大了拨备计提力度，提升风险抵补能力，在加大核销的同时，提升拨备覆盖率，从而导致净利润下 降，实现净利润136.78亿元，同比减少11.2%。 截至2020年6月末，平安银行管理零售客户资产(AUM)23216.15亿元，较上年末增长17.1%。零售客户数 及平安口袋银行APP注册用户数均 ...

Core Viewpoint - The State Council's meeting on July 31 initiated personal consumption loan interest subsidy policies and service industry loan interest subsidy policies, which are expected to support economic growth and alleviate pressure on the service sector [1][2]. Group 1: Policy Implementation - Multiple banks, including Industrial and Commercial Bank of China, Agricultural Bank of China, and China Construction Bank, have actively responded to the subsidy policies, indicating strong support from the financial system for growth stabilization [3][5]. - The policies aim to lower credit costs for residents and financing costs for service industry entities, thereby stimulating consumption and enhancing market vitality [2][6]. Group 2: Bank Responses - Banks are simplifying application processes and enhancing efficiency to ensure that the subsidy policies effectively reach consumers and service industry entities [5][7]. - Specific measures include the launch of personal loan brands and tailored financial service packages to support key consumption areas such as automotive, home appliances, and cultural tourism [7]. Group 3: Economic Impact - The fiscal and financial linkage is expected to boost consumption and market activity, reducing the financial burden on consumers and enabling businesses to expand and upgrade [7][8]. - The rapid response from banks reflects a strategic alignment with government policies aimed at boosting consumption and supporting small and micro enterprises [6][8].