在发卡策略上，银行分化明显。部分机构主动压降存量，清理睡眠卡：邮储银行结存卡量从0.40亿张降 至0.38亿张，交通银行从0.63亿张降至0.60亿张。而招商银行和中信银行则通过精准营销推动累计发卡 量分别增至0.74亿和1.26亿张。 德勤认为，整体来看，行业正从"以量取胜"转向"以质取胜"。（经济观察网） 【#全国信用卡三年减少1亿张# 】作为观察中国消费信心、居民杠杆水平与零售金融风险的重要窗口， 信用卡市场正经历一场持续三年的深度出清。12月2日，中国人民银行发布《2025年第三季度支付体系 运行总体情况》显示，截至三季度末，全国信用卡和借贷合一卡存量为7.07亿张，较2022年6月末的历 史高点8.07亿张累计减少1亿张，已连续12个季度下滑。 这一趋势不仅反映居民预防性储蓄上升与消费动能减弱，也凸显银行在强监管与资产质量压力下主动收 缩低效发卡。与此同时，截至今年上半年末信用卡不良贷款率攀升至2.40%，多家银行密集通过银登中 心批量转让逾期资产，仅11月邮储银行、平安银行、民生银行与中国建设银行湖南省分行四机构拟转让 未偿本息即超过72亿元，标志着不良处置已成为信用卡业务转型中的核心环节。 信用 ...

证券代码：000001 证券简称：平安银行 优先股代码：140002 优先股简称：平银优 01 | | 特定对象调研 分析师会议 | | --- | --- | | | □媒体采访 业绩说明会 | | | □新闻发布会 路演活动 | | 投资者关系活动类别 | □现场参观 | | | 其他 （投行会议） | | 参与单位名称及人员姓名 | 境外投资者 | | 时间 | 2025 年 12 月 2 日 | | 地点 | 深圳 | | 形式 | 现场会议 | | | 介绍公司发展战略、经营业绩，回答投资者提问 | | | 1. 请问贵行前三季度整体表现情况？ | | | 2025年1-9月，我行营业收入1,006.68亿元，同比下降9.8%。实 | | | 现净利润383.39亿元，同比下降3.5%。2025年9月末，我行资产总额 | | | 57,667.64亿元，其中发放贷款和垫款本金总额34,177.53亿元，较 | | | 上年末增长1.3%；企业贷款余额较上年末增长5.1%，个人贷款余额 | | | 较上年末下降2.1%，抵押类贷款占个人贷款的比例为63.6%。2025年 | | | 9月末， ...

Core Viewpoint - Ping An Bank's Anshan Branch celebrates its fifth anniversary, emphasizing its commitment to local service and community engagement to drive regional economic development [1] Group 1: Financial Services and Community Engagement - The bank has focused on optimizing service processes and innovating financial products to enhance community connections [1] - Ping An Bank Anshan Branch aims to provide tailored financial services for the elderly, addressing their specific needs and risk tolerance [3] - The bank has implemented measures in consumer credit, such as lowering financing costs and increasing loan limits, to stimulate consumption and serve the public [3] Group 2: Business Growth and Market Strategy - Over the past five years, the bank has centered its operations on deposit and loan services, achieving steady growth in savings deposits [5] - The bank has prioritized lending to small and micro enterprises and the agricultural sector, addressing financing challenges faced by local businesses and farmers [5] - Ping An Bank Anshan Branch plans to continue its focus on local market development and innovation in products and services to support economic prosperity and rural revitalization strategies [5]

12月3日，存款利率处于历史低位情况下，银行一年一度的"开门红"又该如何开展？财联记者近日采访 多家机构了解到，多地银行"开门红"营销较往年有所提前，以便提前锁定优质客户和发力中收业务。 与此同时，银行"开门红"营销差异化也日趋明显。虽然不少地方性银行依然将揽储作为重点来做，但部 分银行需求有所减弱，而多数大行策略更是明显转变，重点发力财富管理业务，在营销上也更显低调。 此外，智通财经记者注意到，相较于往年，今年部分银行对揽储需求有所减弱。在为明年"开门红"做准 备，部分银行甚至要先进行"排水"，即要求客户暂时先将资金转出。 受访业内人士指出，银行业正在经历一场深刻的转型，从传统的存贷业务向综合金融服务转变，而"开 门红"正是这种转型的缩影，映射出银行在变化的市场环境中寻找新增长点的努力。 净息差收窄压力下，银行提早发力"开门红"营销 据了解，往年银行"开门红"大多集中在第一季度，而今年市场节奏明显前置。自11月下旬起，已有多家 银行通过召开"专项启动会"等形式，在内部下达了针对资管产品销售的冲刺任务。 "最近接到的培训通知特别密集，都是关于新产品推介和营销技巧的。"一位城商银行客户经理向智通财 经记者透露， ...

Core Viewpoint - Major state-owned banks in China have completely stopped offering 5-year large denomination certificates of deposit (CDs), with some joint-stock banks and city commercial banks also following suit by reducing long-term deposit products [1][9]. Group 1: Changes in Deposit Products - The six major state-owned banks have significantly shortened the maturity structure of their large denomination CDs, now only offering products with maturities of 1 month, 3 months, 6 months, 1 year, 2 years, and 3 years [3][9]. - The interest rates for the 3-year large denomination CD is 1.55%, while the 1-year and 2-year products have interest rates of 1.20% [3]. Group 2: Withdrawal of 5-Year CDs - The 5-year large denomination CDs have been removed from the product offerings of several banks, including China Bank, Construction Bank, and Postal Savings Bank, with no trace of 5-year products in Agricultural Bank's catalog from 2018 to 2025 [9][10]. - The withdrawal of 5-year large denomination CDs has been a gradual process, as evidenced by China Bank's earlier announcement in May 2023, which included 5-year products but was limited to specific customers [9][10]. Group 3: Availability of Other Maturities - The 3-year large denomination CDs have also become scarce this year, with banks like China Merchants Bank confirming that both 3-year and 5-year options are no longer available [11]. - The longest available term for large denomination CDs is now 2 years, with an interest rate of 1.40% [11].

Core Insights - The article focuses on the performance of minimum holding period RMB public offering products, ranking them based on annualized returns for holding periods of 7, 14, 30, and 60 days [1][4][12] Group 1: 7-Day Holding Period Products - The top-performing product is from Minsheng Bank with an annualized return of 4.17% [3] - Other notable products include: - Huishang Bank with 3.58% [3] - Bank of China with 2.96% [3] - Minsheng Bank's Fuzhu Pure Bond with 2.54% [3] - Bohai Bank with 2.39% [3] Group 2: 14-Day Holding Period Products - Minsheng Bank's product "Jingxiang Fixed Income Incremental Dual-Week" leads with a return of 34.68% [5] - Other significant products include: - Minsheng Bank's Fuzhu Pure Bond with 5.66% [5] - WeBank's "Anying" Stable Income with 4.47% [5] - SPDB's "Wealth Management Series" with 2.33% [5] Group 3: 30-Day Holding Period Products - Minsheng Bank's "Guizhu Fixed Income Incremental Monthly" tops the list with a return of 21.23% [9] - Other key products include: - Minsheng Bank's Fuzhu Fixed Income with 13.53% [9] - Bank of China with 7.64% [9] - Huishang Bank's "Happiness 99" with 6.07% [9] Group 4: 60-Day Holding Period Products - The leading product is from Minsheng Bank with a return of 15.12% [13] - Other notable products include: - CITIC Bank's Fuzhu Pure Bond with 8.94% [14] - Bank of China with 4.57% [14] - Huishang Bank's product with 3.46% [14]

Market Overview - On December 2, the shareholding banks sector declined by 0.26% compared to the previous trading day, with Pudong Development Bank leading the decline [1] - The Shanghai Composite Index closed at 3897.71, down 0.42%, while the Shenzhen Component Index closed at 13056.7, down 0.68% [1] Individual Bank Performance - Citic Bank (601998) closed at 7.78 with no change in price, trading volume of 527,000 shares, and a transaction value of 412 million yuan [1] - Industrial Bank (601166) closed at 21.15, down 0.05%, with a trading volume of 531,500 shares and a transaction value of 1.122 billion yuan [1] - China Merchants Bank (600036) closed at 43.38, down 0.14%, with a trading volume of 406,700 shares and a transaction value of 1.766 billion yuan [1] - Huaxia Bank (600015) closed at 7.00, down 0.14%, with a trading volume of 486,300 shares and a transaction value of 340 million yuan [1] - Everbright Bank (601818) closed at 3.59, down 0.28%, with a trading volume of 2.2732 million shares and a transaction value of 815 million yuan [1] - Zhejiang Commercial Bank (601916) closed at 3.12, down 0.32%, with a trading volume of 1.3659 million shares and a transaction value of 426 million yuan [1] - Ping An Bank (000001) closed at 11.64, down 0.43%, with a trading volume of 768,100 shares and a transaction value of 895 million yuan [1] - Minsheng Bank (600016) closed at 4.12, down 0.72%, with a trading volume of 3.3482 million shares and a transaction value of 1.379 billion yuan [1] - Pudong Development Bank (600000) closed at 11.45, down 0.78%, with a trading volume of 503,300 shares and a transaction value of 578 million yuan [1] Capital Flow Analysis - The shareholding banks sector experienced a net outflow of 426 million yuan from main funds, while speculative funds saw a net inflow of 242 million yuan, and retail investors had a net inflow of 183 million yuan [1] - Citic Bank had a main fund net inflow of 56.67 million yuan, while retail investors contributed a net inflow of 8.34 million yuan [2] - Huaxia Bank saw a main fund net inflow of 20.20 million yuan, but retail investors had a net outflow of 1.99 million yuan [2] - Pudong Development Bank experienced a main fund net inflow of 0.89 million yuan, with a net outflow from retail investors of 32.71 million yuan [2] - Minsheng Bank had a significant main fund net outflow of 96.31 million yuan, while speculative funds saw a net inflow of 61.08 million yuan [2] - Industrial Bank faced a main fund net outflow of 101 million yuan, but retail investors contributed a net inflow of 82.80 million yuan [2]

"我跑了两家大行网点，5年期大额存单都停售了，就连3年期的都得靠'抢'，额度一出来很快就没了，关键利率还比去年降了不少。"家住北京市的王 女士告诉记者，她手中的50万元闲置资金本想配置长期大额存单以求稳健收益，如今却陷入了"无处可放"的困境。 王女士的遭遇并非个例。记者近期调研发现，工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行六家国有大行已全面停售5年期大额 存单产品，部分股份制银行及城商行也紧随其后收缩长期存款业务。 六大行全面停售5年期大额存单 记者登录六大行官方APP及手机银行查询时发现，目前各银行大额存单期限结构已明显"短期化"。工商银行"大额存单"栏目下仅剩余1个月、3个月、 6个月、1年、2年、3年六个期限产品。其中，3年期大额存单产品利率为1.55%，1年期、2年期产品利率均为1.20%。 此外，中国银行、建设银行、交通银行及邮储银行的产品矩阵呈现相似特征，5年期产品均已从在售列表中移除。在农业银行2018年至2025年的人民 币个人大额存单产品目录中，也并未出现5年期大额存单产品的"踪影"。 回溯来看，5年期大额存单的退出并非突然之举。以中国银行为例，今年5月20日，中国银行曾在 ...

六大行全面停售5年期大额存单 "我跑了两家大行网点，5年期大额存单都停售了，就连3年期的都得靠'抢'，额度一出来很快就没了，关键利率还比去年降了不少。"家住北京市的王女士 告诉记者，她手中的50万元闲置资金本想配置长期大额存单以求稳健收益，如今却陷入了"无处可放"的困境。 王女士的遭遇并非个例。记者近期调研发现，工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行六家国有大行已全面停售5年期大额存单 产品，部分股份制银行及城商行也紧随其后收缩长期存款业务。 记者登录六大行官方APP及手机银行查询时发现，目前各银行大额存单期限结构已明显"短期化"。工商银行"大额存单"栏目下仅剩余1个月、3个月、6个 月、1年、2年、3年六个期限产品。其中，3年期大额存单产品利率为1.55%，1年期、2年期产品利率均为1.20%。 实际上，在5年期大额存单产品难觅踪影的同时，今年以来，3年期大额存单产品"缺货"也成为了常态。 "3年期和5年期大额存单都已经停售了，目前时间最长的就是2年期的，利率是1.40%。"12月2日，记者向招商银行客服人员核实后发现，该行大额存单的 在售列表中已没有3年期和5年期的选项，"普通定期存款 ...

21世纪经济报道记者 曹媛 深圳报道 在监管创新与资本赋能驱动下，中国并购市场正步入新阶段。 "伴随资本市场制度机制建立健全，并购重组生态已经走向成熟阶段。"某股份制银行投资银行部相关负责人告诉记者。 2024年新"国九条"、"科创板八条"、"并购六条"等相继出台激活并购重组市场。截至2025年8月31日，A股上市公司首次披露的重大并购重组交 易达163起，同比增长117.30%。 今年8月《商业银行并购贷款管理办法（征求意见稿）》出台，在银行业竞争格局迭代、息差收窄压力凸显的背景下，商业银行投行业务如何 突破传统边界，在资本市场浪潮中找到"新坐标"？银行并购金融又扮演哪些"新角色"？ 近日，平安银行总行投资银行部总经理宋卓接受21世纪经济报道记者采访，围绕近两年中国并购市场的制度性变革、私募股权并购新趋势、银 行并购金融"新角色"、境外资本投资中国格局的演变等议题展开解读。 并购重组正从简单规模扩张转向价值创造 21世纪经济报道：近年来国内并购市场整体表现如何？政策对市场的推动作用主要体现在哪些方面？ 宋卓：2024年新"国九条"、"科创板八条"、"并购六条"等一系列政策组合拳激活了并购重组市场。监管层通过 ...