突破传统信贷逻辑 特色产品精准滴灌 面对科技型企业"轻资产、重智产"导致的银行传统信贷"识别难、评价难、操作难、管理难"等问题，宁波银行以实际行动探索出了一条"不看砖头看专 利、不看抵押看创新"的助企融资新路径。 科技创新是驱动发展的核心引擎，是塑造新质生产力的根本源泉。而从技术萌芽到产业开花，这一过程始终离不开金融"活水"的精准浇灌。 作为金融"五篇大文章"之首，发展科技金融不仅是金融机构需要履行的社会责任，更是顺应产业变革、拥抱创新浪潮的战略选择。宁波银行主动融入时代 大势，持续完善科技金融服务体系，依托组织架构升级与生态体系建设，为科技企业提供全生命周期的综合金融服务，助力培育新质生产力。 今年上半年，宁波银行正式设立一级部门科技金融部，联动投行、授信等多板块形成服务合力，并在重点区域设立科技金融专营团队，配套"商行+投 行""融资+经营""企业+人才"的全方位服务，赋能科技企业高质量发展。 近年来，宁波银行持续打造并完善科技金融特色产品矩阵，形成专利贷、科技贷等多项专属产品，打破以企业收入、利润等传统财务数据为授信门槛的传 统模式，转而将技术专利、研发能力、人才储备、市场潜力等企业"软实力"作为核心评 ...

登录新浪财经APP 搜索【信披】查看更多考评等级 公告送出日期：2025年12月23日 1. 公告基本信息 ■ 2.申购、赎回业务的办理时间 根据基金合同的约定，本基金的封闭期为自基金合同生效之日起（包括基金合同生效之日）或自每一开 放期结束之日次日起（包括该日）至该封闭期首日的6个月对日的前一日止。本基金自每个封闭期结束 之后第一个工作日起（包括该日）进入开放期，期间可以办理申购与赎回业务。 目前本基金处于第二十个运作封闭期，自第二十个封闭期结束之后第一个工作日即2025年12月24日（包 括该日）起，本基金将进入第二十个开放期，开放期为2025年12月24日至2026年1月22日，在此开放期 中办理申购和赎回等业务，敬请投资者留意。具体办理时间为上海证券交易所、深圳证券交易所的正常 交易日的交易时间。 基金管理人不得在基金合同约定之外的日期或者时间办理基金份额的申购、赎回或者转换。开放期内， 投资人在基金合同约定之外的日期和时间提出申购、赎回或转换申请且登记机构确认接受的，其基金份 额申购、赎回或者转换价格为下一开放日基金份额申购、赎回或者转换的价格。在开放期最后一个开放 日，投资人在基金合同约定之外的时 ...

在国家"十五五"规划明确提出加快构建新发展格局、推动高质量发展的战略指引下，金融作为现代经济的核心，肩负着服 务实体经济、赋能产业升级的重要使命。宁波银行绍兴分行深入贯彻落实国家战略部署，以"帮客户赚钱、帮客户省钱、帮 客户管钱、帮客户找钱、帮员工拥有美好生活"五帮服务体系为抓手，生动实践金融服务实体经济的"五篇大文章"，助力经 济社会高质量发展。 宁波银行绍兴分行在日常走访中敏锐捕捉这一痛点，为企业量身定制"波波知了"AI哨兵解决方案。企业无需改造原有摄像 头，只需在监控网络中加装"AI哨兵"盒子，就能完成升级。升级后，摄像头不仅能"看见"，更能"看懂"风险，实现对各类 安全隐患与不规范行为的7×24小时不间断识别。宁波银行还协调工程师上门安装调试，最大限度降低对企业正常运营的影 响，用科技手段实实在在为企业"省下真金白银"。 帮客户管钱，打造财资"智慧大脑" 在全球数字化进程加速演进的大背景下，人工智能、大数据等前沿技术正深入推动企业财务管理向智能化、高效化转型。 今年以来，宁波银行绍兴分行组织开展多场"DeepSeek赋能财务实战""AI大模型的应用探索与实践"等专题活动，推动数智 化在财务管理场景中的 ...

Core Viewpoint - The article discusses the aggressive deposit acquisition strategies employed by small and medium-sized banks as they approach the end of the year, highlighting both legitimate marketing tactics and the resurgence of questionable practices to meet performance targets [3][4][5]. Group 1: Deposit Acquisition Strategies - As the end of 2025 approaches, banks are entering a "sprint mode" for deposit acquisition, utilizing methods such as raising deposit interest rates, offering gifts, and promoting wealth management products to attract new customers and funds [5][6]. - For instance, Jiangsu Bank has raised the annual interest rate on a three-year fixed deposit product to 1.9%, a 15 basis point increase from the standard rate, while Jilin Bank has increased its three-year fixed deposit rate from 1.75% to 2% [5][6]. - Additionally, banks like Yilian Bank are implementing limited-time offers and gift incentives to draw in customers, with some banks offering gifts for deposits above certain thresholds [6]. Group 2: Market Dynamics and Risks - Industry insiders indicate that the year-end deposit acquisition not only plays a crucial role in banks' strategies but also reflects the challenges faced by small banks in a limited interest rate environment, prompting them to adopt refined operational strategies to attract customers and increase funds [7]. - The phenomenon of "deposit rushing" has re-emerged, where banks attempt to meet performance metrics by rapidly increasing deposits at the end of reporting periods, often facilitated by intermediaries advertising low-cost deposit options [8][9]. - This practice raises concerns about compliance with regulations and the potential risks to depositors' funds, as these operations may violate banking regulations and create market disturbances [11][12]. Group 3: Internal Pressures and Ethical Concerns - The pressure on bank employees to meet performance targets has led to the normalization of purchasing performance indicators through online platforms, with employees spending money to complete deposit and fund purchase tasks to avoid penalties [10]. - Such practices not only expose banks to regulatory risks but also create internal competition issues and could damage the bank's reputation and customer trust [12]. - Experts warn that these practices can lead to long-term negative consequences if not managed properly, emphasizing the need for customers to be aware of the risks associated with participating in such deposit operations [12].

作为全国系统重要性银行、全球百强银行，宁波银行始终以"专业创造价值"为内核，以"真心对客 户好"为底色，在"十四五"时期国家金融改革发展的浪潮中，精准锚定科技金融、绿色金融、普惠金 融、养老金融、数字金融"五篇大文章"战略导向，以金融活水精准滴灌实体经济，用专业担当诠释国有 金融机构的社会责任，在服务国家战略、推动经济转型的实践中书写了高质量发展的亮眼答卷。 "十四五"时期是我国经济由高速增长阶段转向高质量发展阶段的关键时期，也是金融行业深化改 革、回归本源的攻坚阶段。五年来，宁波银行牢牢把握国家战略导向，将自身发展深度融入经济社会发 展大局，以差异化经营策略破解发展难题，以数字化转型赋能服务升级，实现了规模、效益与质量的协 同跃升。 尤其在2025年这一"十四五"收官关键节点，宁波银行银行经营业绩再创新高，核心经营指标持续领 跑行业：截至9月末，资产总额首次突破3.5万亿元大关，达35783.96亿元，较年初增长14.50%，彰显了 强劲的资产扩张能力与综合实力；前三季度实现归属于母公司股东的净利润224.45亿元，同比增长 8.39%，在复杂严峻的内外部经营环境下保持了稳健的盈利增长态势。 在规模稳步增长 ...

记者注意到，12月以来，包括长沙银行在内，已有北京银行（601169）、上海银行（601229）、杭州银 行（600926）和南京银行（601009）等5家银行先后宣布对旗下优先股进行赎回，合计规模达458亿元。 若加上此前的工商银行（601398）、中国银行（601988）、兴业银行（601166）和宁波银行 （002142），2025年以来赎回优先股的银行数量已增加至9家。 多位研究人士表示，优先股作为银行资本工具，自2020年以后银行对其新发已几乎停滞。同时，伴随着 存量银行优先股的加速赎回并退市，存量规模愈发减少。近年来，商业银行为优化资本结构，赎回优先 股的意愿更是不断强化。在资管机构看来，银行优先股的配置稀缺性也进一步凸显。 人民财讯12月23日电，低利率环境下，上市银行赎回存量"高息"优先股以节省付息成本的动力愈发增 强。近日，长沙银行（601577）公告称，将于12月25日赎回60亿元优先股"长银优1"，并终止挂牌。 ...

证券时报记者谢忠翔 低利率环境下，上市银行赎回存量"高息"优先股以节省付息成本的动力愈发增强。近日，长沙银行公告 称，将于12月25日赎回60亿元优先股"长银优1"，并终止挂牌。 证券时报记者注意到，12月以来，包括长沙银行在内，已有北京银行、上海银行、杭州银行和南京银行 等5家银行先后宣布对旗下优先股进行赎回，合计规模达458亿元。若加上此前的工商银行、中国银行、 兴业银行和宁波银行，2025年以来赎回优先股的银行数量已增加至9家。 多位研究人士表示，优先股作为银行资本工具，自2020年以后银行对其新发已几乎停滞。同时，伴随着 存量银行优先股的加速赎回并退市，存量规模愈发减少。近年来，商业银行为优化资本结构，赎回优先 股的意愿更是不断强化。在资管机构看来，银行优先股的配置稀缺性也进一步凸显。 9家银行年内赎回超1000亿 12月19日，长沙银行公告显示，该行于2019年12月非公开发行的60亿元优先股"长银优1"，将于2025年 12月25日派发优先股息后全部赎回，并终止挂牌。 据证券时报记者统计，今年以来已有2家国有大行、1家股份行和6家城商行对优先股进行赎回，包括境 内优先股7期共1118亿元、2期境外 ...

New Stock Listings - One new stock listed today: Muxi Co., Ltd. (688802) with an issue price of 104.66 yuan [1] Industry News - The Ministry of Commerce announced the imposition of anti-dumping duties on imported pork and pork products from the EU for a period of five years starting today [1] - The 2025 Xiaomi Human-Vehicle Home Ecosystem Partner Conference is being held today [1] - The 2025 China Artificial Intelligence Industry Innovation and Development Conference is taking place today [1] - The Second Global Data Technology Conference (GDTC) is being held in Beijing from today until the 18th [1] - The Fourth Computing Power Network and Digital Economy Forum, along with the 2025 "Computing Power Puxiang" Conference, is being held today [1] - Dell announced a price increase for all its commercial product lines starting today, attributed to demand for memory chips [1] - The U.S. Trade Representative's office warned of potential retaliatory measures against the EU's service industry and may initiate a Section 301 investigation [1] - The U.S. FDA approved a twice-a-year asthma medication from GlaxoSmithKline [1] - Autonomous driving company Waymo is reportedly discussing raising several billion dollars at a valuation exceeding $100 billion [1] - Tesla's stock price reached a historic high, with a market capitalization exceeding $1.6 trillion, reflecting growing optimism about autonomous driving [1] - Level 3 autonomous driving has been approved, with Changan Automobile and BAIC Blue Valley models receiving pilot approval [1] - Apple plans to expand its iPhone product line from five to seven models before fall 2027 [1] - OpenAI appointed former UK Chancellor Osborne to lead the "OpenAI for Countries" initiative [1] - AI data platform Databricks is reportedly raising over $4 billion at a valuation of $134 billion [1] - The European Commission plans to issue approximately €90 billion in bonds in the first half of next year [1] Economic Data - A total of 189.8 billion yuan in 7-day reverse repos is maturing today [1] - Various economic indicators are being released, including Japan's trade balance, export and import amounts for November, and the UK's core CPI [1] - Germany's Ifo Business Climate Index for December and HICP data for November are being published [1] - Italy's HICP data for November is also being released [1] - Eurozone's November CPI and core CPI data are being reported [1] - U.S. retail inventory adjustments and EIA crude oil inventory changes for the week ending December 12 are being released [1] A-Share Market Dynamics - Six listed companies are facing stock unlocks, including Oke Technology with 70 million shares (74.99% of total shares) and Meino Biological with 13.88 million shares (9.86%) [1] - Several companies announced dividend distributions, with Chongqing Brewery (10 shares for 13 yuan) and Wuliangye (10 shares for 25.78 yuan) among those with significant payouts [1] - Dongjie Intelligent is planning to acquire a controlling stake in Aobo Intelligent, leading to a stock suspension [1] - Multiple companies released important announcements, including 360 clarifying rumors of financial fraud and Longping High-Tech planning a 1 billion yuan investment in production bases in Vietnam and Malaysia [1] - Lianhua Holdings' subsidiary plans to purchase acceleration cards for intelligent computing business for 200 million yuan [1] - Hualing Cable intends to acquire 70% of San Zhu Technology for 183 million yuan [1] - Xiechuang Data signed a strategic cooperation framework agreement to enter the optical chip and module industry [1]

Core Viewpoint - The issuance of technology innovation bonds (科创债) by banks has significantly increased, with a total issuance scale reaching 301.4 billion yuan as of December 18, indicating a strong market response to the regulatory support initiated in May 2023 [3][14]. Issuance Scale - A total of 67 banks have issued 75 technology innovation bonds, with the largest share coming from state-owned banks, which account for 38.16% of the total issuance [3][15]. - The six major state-owned banks have collectively issued bonds worth 115 billion yuan, while city commercial banks and rural commercial banks have also become significant players, with issuance scales of 74.9 billion yuan and 15 billion yuan respectively [4][17]. Interest Rates - The interest rates for technology innovation bonds vary, with state-owned banks offering rates between 1.65% and 1.81%, while city and rural commercial banks have higher rates ranging from 1.67% to 2.07% [7][21]. - Notably, some city and rural commercial banks have rates exceeding 1.8%, indicating a competitive pricing environment [3][18]. Maturity Periods - The majority of the issued bonds have a maturity period concentrated around 5 years, which accounts for over 70% of the total, followed by 3-year bonds at over 20% [11][22]. - This maturity structure is designed to meet the medium to long-term funding needs of technology enterprises for research and development, as well as for project implementation [22]. Funding Allocation - The funds raised through these bonds are primarily directed towards technology innovation sectors, including the issuance of loans for technology projects and investments in innovative enterprises [6][17].

Core Viewpoint - Recent tightening of banks' precious metals business coincides with a near return of international gold prices to previous highs, indicating a shift in risk management strategies within the banking sector [1][5]. Group 1: Price Movements - London gold spot prices reached a peak of $4,350 per ounce, just shy of the historical high of $4,381 per ounce [1]. - Gold prices have seen a cumulative increase of approximately 65% in the year, while silver and platinum have experienced even greater rises, with silver up 128% and platinum up 118% [6]. Group 2: Bank Policy Changes - Banks are increasingly tightening their policies on personal precious metals accounts, including the termination of agency relationships for long-term inactive accounts [1][3]. - Major banks like Industrial and Commercial Bank of China and China Construction Bank have announced plans to transfer balances from inactive accounts and close related business functions starting in December [3][4]. - The tightening measures began as early as March 2020, following the "oil treasure" incident, leading to a gradual withdrawal from high-risk leveraged products [5]. Group 3: Risk Management - Banks are enhancing risk management for precious metals investments by raising entry thresholds and risk ratings for various products, including increasing the minimum investment amounts and requiring additional risk assessments for investors [5][6]. - The adjustments also include a shift in risk ratings for accumulation gold products, which will be classified as medium risk, restricting conservative clients from participating [4]. Group 4: Regulatory Environment - The regulatory environment for commodity and precious metals trading is expected to become stricter, reflecting ongoing concerns about risk management in the banking sector [7].