中国经济网北京9月13日讯（记者 魏金金）今年以来，"China Travel（中国游）"继续火爆出圈，越来越 多外国旅客来到中国，入境旅游市场持续升温，各大商圈与旅游景点重现外国游客络绎不绝的景象。 据悉，自2015年首家获得离境退税代理资格并落地全国首笔业务以来，中国银行深耕退税商户拓展、退 税政策宣传、退税人士服务等重点工作，代理北京、上海、四川等16个省市的离境退税业务，在已开办 离境退税业务省市中占比近五成。 在落地京津、川陕异地互认的基础上，中国银行今年形成了体系化离境退税即买即退异地互认方案，同 时积极响应商务部"购在中国"系列活动，加快离境退税服务创新步伐，助力释放消费潜能。 在此背景下，提升境外旅客的消费体验与购物意愿，成为将"流量"转化为"销量"的关键。9月12日，中 国银行（601988）在服贸会现场举办离境退税"即买即退"异地互认发布活动，宣布将在其代理离境退税 业务的区域内率先试点，支持境外旅客办理即买即退业务后从其他口岸出境，并推出离境退税整体服务 体系"税易达"（Easy Tax Refund）。 ...

Core Viewpoint - The banking industry is facing a critical turning point as net interest margins have fallen below non-performing loan ratios, indicating a dual pressure of shrinking income and rising risk [1][4][5] Group 1: Financial Indicators - As of Q1 2025, the non-performing loan ratio for commercial banks was 1.51%, while the net interest margin was 1.43%, marking the lowest net interest margin since 2005 [1][5] - By Q2 2025, the net interest margin further declined to 1.42%, with the non-performing loan ratio rising to 1.49% [1] - Over 20% of the 42 listed banks reported net interest margins lower than their non-performing loan ratios, highlighting a concerning trend in the industry [1][6] Group 2: Industry Response - In response to these challenges, banks are shifting towards middle-income business models, with a notable resurgence in insurance and banking (银保) business, which accounted for over 50% of income for the first time in 15 years [2][21] - Major banks like China Merchants Bank and Ping An Bank reported over 40% year-on-year growth in insurance income [2] Group 3: Asset and Liability Management - The continuous decline in net interest margins is attributed to a combination of low asset yields and rigid liability costs, exacerbated by insufficient effective credit demand and external pressures from bond market financing [10][12] - Banks are adjusting their asset-liability strategies to cope with narrowing margins, focusing on optimizing their loan structures and reducing costs [13] Group 4: Asset Quality and Risk - The total non-performing loan balance for commercial banks was reported at 34,342 billion yuan in Q2 2025, with a slight decrease from Q1 [15] - The provision coverage ratio improved to 211.97%, indicating enhanced risk mitigation capabilities [15] - However, the non-performing loan generation rate and overdue loan rates are on the rise, suggesting ongoing pressure on asset quality [17][19] Group 5: Middle-Income Business Growth - The middle-income business segment is showing signs of recovery, with non-interest income growing by 6.97% year-on-year in the first half of 2025, reversing a downward trend [21][22] - The insurance business is becoming a key growth driver, with banks leveraging their networks to enhance insurance sales [23]

Group 1 - The 2025 China International Service Trade Fair was held in Beijing, showcasing the latest achievements in domestic and international service trade with the theme "Digital Intelligence Leading, Service Trade Renewed" [1] - China Bank, as the exclusive global partner of the banking industry for five consecutive years, supported various activities including domestic and international roadshows, and showcased its innovative vitality and practical achievements in the financial sector [1] Group 2 - In recent years, China has optimized its entry policies, establishing a visa facilitation system that includes unilateral visa exemptions and transit visa exemptions, making it globally attractive [2] - China Bank has leveraged its global and comprehensive operational advantages to create a one-stop comprehensive solution for foreign visitors, addressing diverse needs in communication, payment, transportation, and daily convenience [2][4] Group 3 - China Bank aims to build a new financial service ecosystem that is multi-faceted, fully supportive, and customized, serving as a bridge connecting China and the world [5] - The "CUBe Card," a three-in-one service package developed by China Bank, Beijing Unicom, and Beijing Yikatong, offers a one-stop solution for payment, communication, and transportation specifically for foreign tourists [5] Group 4 - China Bank has actively responded to policies optimizing tax refund services for outbound tourists, participating in tax refund services in 16 provinces and cities, with exclusive agency in 12 [6] - The bank has introduced convenient measures for tax refunds, including a centralized refund model called "immediate purchase and immediate refund," enhancing the shopping and tax refund experience for foreign travelers [6] Group 5 - As a designated operator of digital RMB, China Bank has focused on pilot projects in various sectors, showcasing 12 commemorative hard wallet products at the trade fair [8] - The bank also introduced a new hard wallet featuring traditional Chinese cultural elements, enhancing the appeal of digital RMB [8] Group 6 - China Bank displayed a digital RMB hard wallet issuance machine, allowing the public to experience self-service functions such as application, inquiry, recharge, and recycling [9] - The bank is actively involved in the multi-central bank digital currency bridge project, supporting 24/7 automatic processing of currency bridge remittance and agency services for overseas branches [9]

Core Points - The company has received approval for the issuance of medium-term notes totaling up to RMB 3 billion [1] - The registration for the medium-term notes is valid for two years from the date of the acceptance notice [1] - A consortium of banks will act as joint lead underwriters for the issuance [1] Group 1 - The company held its eighth board meeting and annual shareholder meeting, where it approved the general authorization for issuing bonds and asset-backed securities [1] - The company plans to apply for the registration of long-term, option-containing medium-term notes [1] - The acceptance notice for the registration was received on September 11, 2025, from the China Interbank Market Dealers Association [1] Group 2 - The company will comply with the relevant rules and regulations for the issuance of the medium-term notes [2] - The company is obligated to fulfill its information disclosure duties in a timely manner [2]

Core Viewpoint - The article highlights the increasing interest of Chinese families in overseas education, particularly for younger students, and the need for systematic education planning and cross-border financial strategies to support this trend [1][2]. Group 1: Event Overview - The "Family Education and Study Abroad" themed report will be jointly held by Bank of China Yunnan Branch and New Channel Kunming School on September 13, 2025, focusing on education planning and financial support [1]. - The event will address key issues in international education, including the optimal timing for studying abroad, evaluating educational resources, and adapting to the impact of artificial intelligence on traditional education and job markets [1]. Group 2: Expert Insights - Professor Hu Min, Chairman of New Channel International Education Group, will share insights on long-term family education planning and the "Golden Circle Method for Successful Studying Abroad," emphasizing a systematic approach based on individual student needs and family resources [2]. - The presentation aims to alleviate parental anxiety caused by information overload and promote rational educational planning [2]. Group 3: Financial Support - Bank of China Yunnan Branch will introduce exclusive financial service solutions for families, including study abroad funding preparation, cross-border tuition payment, and overseas account services [2]. - The bank will also address concerns regarding fund safety and compliance in cross-border transactions, helping families avoid common risks associated with cross-border fund flows [2].

Core Viewpoint - The company, Goldwind Technology, has received approval from the National Association of Financial Market Institutional Investors to register 3 billion yuan in medium-term notes [1] Group 1 - The approval allows the company to issue medium-term notes, which can enhance its liquidity and financial flexibility [1] - The registered amount of 3 billion yuan indicates the company's strategy to raise funds for potential investments or operational needs [1]

Core Points - The company has received authorization from its shareholders to issue bonds and asset-backed securities, with a total amount not exceeding RMB 3 billion [1] - The company plans to apply for the registration of long-term, option-containing medium-term notes, with a total amount of up to RMB 3 billion [1] - The registration for the medium-term notes has been accepted by the China Interbank Market Dealers Association, valid for two years from the date of the acceptance notice [1] - A consortium of banks, including China Bank, Industrial Bank, and others, will act as joint lead underwriters for the issuance [1] Regulatory Compliance - The company will comply with the requirements of the acceptance notice and relevant regulations for the issuance of medium-term notes [2] - The company is obligated to fulfill its information disclosure duties in a timely manner as per the established rules [2]

Group 1 - The core event was the "2025 Banker Forum" and the release of the "Top 200 Chinese Banks" ranking, hosted by Tsinghua University's Wudaokou School of Finance, where Guangfa Bank was recognized [1][3] - Guangfa Bank received the "Annual Contribution Bank for Regional Development" award and had two innovative cases selected as "Excellent Cases of Innovation and Development in the Chinese Banking Industry" [1][2] - The "Pay After Learning" funding supervision model was developed to address safety concerns in prepaid consumption, particularly in education and training sectors, ensuring funds are securely managed [1][2] Group 2 - The "Pay After Learning" model has been implemented in several provinces, serving over 2,000 institutions and safeguarding nearly 500 million yuan in customer prepaid funds [2] - In 2024, Guangfa Bank launched a new distributed core system for credit cards, featuring advanced technology to support high transaction volumes and ensure system reliability [2] - The ranking and awards are based on objective data and comprehensive performance evaluations, aimed at promoting high-quality development in the banking industry [3]

| 成交量 | 成交金额 | 成交价格 | 相对当日收盘折溢 | 买方营业部 | 卖方营业部 | | --- | --- | --- | --- | --- | --- | | （万股） | （万元） | （元） | 价（%） | | | | 62.50 | 343.75 | 5.50 | 0.00 | 华泰证券股份有限 | 中信证券股份有限公司 | | | | | | 公司总部 | 深圳分公司 | 中国银行9月11日大宗交易平台出现一笔成交，成交量62.50万股，成交金额343.75万元，大宗交易成交 价为5.50元。该笔交易的买方营业部为华泰证券股份有限公司总部，卖方营业部为中信证券股份有限公 司深圳分公司。 注：本文系新闻报道，不构成投资建议，股市有风险，投资需谨慎。 进一步统计，近3个月内该股累计发生13笔大宗交易，合计成交金额为1.04亿元。 （文章来源：证券时报网） 证券时报·数据宝统计显示，中国银行今日收盘价为5.50元，上涨0.18%，日换手率为0.19%，成交额为 22.48亿元，全天主力资金净流出2.11亿元，近5日该股累计下跌2.14%，近5日资金合计净流出6.18亿 元。 两融数据显示 ...

Core Points - The event on September 10th marked the 41st Teacher's Day in China, where the Bank of China Jiangsu Branch initiated a program combining artificial intelligence and financial education for rural children [1] - The "Micro Light Plan" launched its first activity, introducing AI and financial knowledge to students in a rural school [1] Group 1: AI Education - A unique "Micro Light Classroom" was held, where teachers from Nanjing University of Science and Technology engaged students with the history and development of artificial intelligence [2] - Students showed great curiosity about AI, asking questions about robots dreaming and their potential to surpass human intelligence [2] Group 2: Financial Literacy - Volunteers from the Bank of China Jiangsu Branch taught financial consumer rights through relatable stories, helping children understand how to manage their pocket money [5] - Interactive games were used to teach financial safety, with children participating in activities that integrated financial knowledge into fun experiences [10] Group 3: Interactive Activities - The outdoor interactive segment featured humanoid robots and drone experiences, allowing children to engage with technology hands-on [7] - Children participated in a game called "Smart Flying Chess," which included financial knowledge questions, enhancing their learning through play [10] Group 4: Closing Ceremony - The event concluded with impressive performances by robots, showcasing a blend of technology and art, which captivated the audience [12] - Children expressed excitement and curiosity about robotics and AI, with many aspiring to pursue careers in these fields [15] Group 5: Future Initiatives - The Bank of China Jiangsu Branch plans to continue its efforts in promoting financial education and technology in rural areas, aiming to cultivate financial culture and knowledge [18]