证券代码：601988 证券简称：中国银行 公告编号：临 2025-040 自 2025 年 6 月 3 日起，刘进先生就任本行执行董事，同时担任 本行董事会战略发展委员会委员、企业文化与消费者权益保护委员会 委员。刘进先生担任本行执行董事的任期为三年。本行董事会对刘进 先生的加入表示欢迎。 刘进先生的简历如下： 刘进先生生于 1976 年，自 2025 年 6 月起任本行执行董事，2025 年 3 月起任本行党委副书记，2024 年 4 月至 2025 年 4 月任本行副行 长。2024 年加入本行。2021 年 9 月至 2024 年 1 月任国家开发银行副 行长。此前曾在国家开发银行工作多年，2021 年 9 月至 2022 年 8 月 任国家开发银行北京分行行长。2019 年 11 月至 2021 年 5 月任国家 开发银行政策研究室主任。2018 年 1 月至 2019 年 11 月任国家开发 银行教育培训局局长兼开发性金融学院院长。此前曾任国家开发银行 政策研究室副主任等职务。1997 年毕业于北京大学，获经济学学士 学位，2000 年毕业于厦门大学，获经济学硕士学位。具有高级经济 师职称。 1 ...

Core Viewpoint - The Jilin Branch of Bank of China is actively supporting the technological innovation, green transformation, specialized and innovative enterprises, and the upgrade of characteristic agricultural industries in Jilin Province, aiming to inject strong financial momentum into the comprehensive revitalization of the region by providing over 50 billion yuan in financing by April 2025 [1][2][4]. Financial Support for Technology and Innovation - As of April 2025, the Jilin Branch has provided financial support to over 300 technology-based enterprises, with a loan balance exceeding 10 billion yuan [3]. - The bank has expedited loan approvals, exemplified by an 80 million yuan loan granted to a glass manufacturing company within three working days to facilitate equipment upgrades [2]. Green Finance Initiatives - The Jilin Branch has issued nearly 3 billion yuan in green credit for projects such as the Daan Wind and Solar Green Hydrogen Integrated Demonstration Project and the BaiCheng 1.4 million kW direct current project [4]. - The bank has also provided over 6 billion yuan in loans to support the electric vehicle industry's transformation, demonstrating a commitment to sustainable energy development [4]. Specialized and Innovative Enterprises - The Jilin Branch has delivered over 2.2 billion yuan in specialized financing to more than 190 "specialized, refined, distinctive, and innovative" enterprises, facilitating their transition to high-quality production capabilities [6]. - The bank has implemented tailored financial services, including intellectual property-based guarantees, to assist companies facing financing challenges due to insufficient collateral [5]. Agricultural Sector Support - The Jilin Branch has launched the "Ginseng Loan" financial service to empower the entire ginseng industry chain, providing 10 million yuan in low-interest loans to a ginseng planting alliance and nearly 30 million yuan in loans to over 100 ginseng farmers [6][7]. - The bank's support has enabled companies to enhance their competitiveness and accelerate digital transformation, as seen in the case of a company that received 8 million yuan to develop high-value products [6].

| 認購價/轉換價 RMB | | | 3.62 | | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 股東大會通過日期 (如適用) | 2019年1月4日 | | | | | | | | | | 證券代號(如上市) 601988 | | | 說明 | | A股（于上海證券交易所上市） | | | 本月內因此發行的新股數 | | | 本月内因此自庫存轉讓的 本月底因此可能發行或自 | | | | | | | | | | | 可換股票據的說明 發行貨幣 | | | 上月底已發行總額 | | | 本月內變動 | | 本月底已發行總額 | | | | | | | | | | | (C1) 目 | 庫存股份數 | | 目 (C2) 庫存轉讓的股份數目 | | | | | | | | | | | 被強制轉換的境内優先股 | | | | | | | | | | | 可換股票據類別 優先股 | | | | | | | | | | | 可換股票據的證券代號 | | | | | | | | | | | (如已於香港聯交所上市) ...

第 1 頁 共 13 頁 v 1.1.1 | 3. 股份分類 | 優先股 | 股份類別 | 其他類別 (請註明) | 於香港聯交所上市 (註1) | 否 | | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 360033 | 說明 | 境內優先股第三期 | | | | 2. 股份分類 | 普通股 | 股份類別 A | | 於香港聯交所上市 (註1) | | 否 | | | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 601988 | 說明 | A股（于上海證券交易所上市） | | | | | | | | 法定/註冊股份數目 | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | 210,765,514,846 | RMB | | 1 RMB | | 210,765,514,846 | | 增加 / 減少 (-) | | | 0 | | RMB | | 0 | | 本月底結存 | | 210,765,514,846 | RMB | | 1 RMB | | 210 ...

Core Viewpoint - The Bank of China Jilin Branch is actively promoting investor protection and rational investment through various educational activities across the province, aiming to enhance public financial literacy and safeguard wealth [1][3][4]. Group 1: Investor Education Initiatives - The Jilin Branch organized a special educational campaign titled "Rational Investment, Protect Wealth" involving 216 outlets to promote investor protection [1]. - The Songyuan Branch conducted a financial education class at a local job fair, focusing on rational investment themes [1][3]. - Interactive activities, including scenario simulations and AR demonstrations, were used to educate the public about new types of scams, such as illegal fundraising and virtual currency [3]. Group 2: Collaborative Risk Prevention - The Jilin Branch collaborated with law enforcement, insurance companies, and other financial institutions to raise awareness about economic crime and promote rational investment [3]. - Events were held in public spaces to expose real cases of scams, warning the public about "high-yield" investment traps and the dangers of "low-threshold high-leverage" schemes [3]. Group 3: Community Engagement - The Jilin Branch's outreach included visits to businesses, construction sites, and community centers to promote financial principles and help consumers understand the balance of risk and return [4]. - Various branches engaged with local communities, distributing educational materials and sharing investment knowledge to enhance public awareness of financial risks [4]. Group 4: Youth and Public Awareness - The Changchun Chaoyang Branch partnered with a local financial college to conduct activities aimed at educating youth about financial safety and fraud prevention [5]. - Public events in parks and streets were organized to disseminate financial knowledge and raise awareness about typical fraud cases, thereby improving the community's financial literacy [5]. Group 5: Ongoing Commitment - The Bank of China Jilin Branch is committed to leveraging its expertise to continuously innovate and deliver financial education and services to various segments of society, contributing to financial stability and regional economic development [5].

金十数据6月3日讯，在近期首批浮动费率基金的发行中，中国银行对其托管代销的易方达成长进取混合 （A类：024450）等浮动费率产品实施认购费一折优惠。新型浮动费率产品将管理费率与投资者每笔投 资的持有时间、持有回报水平挂钩，注重构建基金管理人与投资者之间的利益共担机制，有助于推动行 业从"重规模"向"重回报"转变。中国银行将此类产品的认购费率降至0.12%，按认购10万元计算可节省 约千元成本，让投资者"省在起跑线"，实实在在提升了投资者获得感。 浮动费率基金认购费一折，中国银行提升投资者获得感在行动 ...

Group 1 - The core index, the CESHKM, experienced a decline of 1.76%, closing at 6426.02 points with a trading volume of 117.707 billion [1] - Over the past month, the CESHKM index has increased by 3.77%, decreased by 1.05% over the last three months, and has risen by 14.80% year-to-date [1] - The CESHKM index is part of a series of indices that reflect the overall performance of large and mid-cap securities listed in Shanghai, Shenzhen, and Hong Kong, with a base date of December 31, 2004, and a base point of 2000.0 [1] Group 2 - The top ten holdings of the CESHKM index include Alibaba-W (11.57%), Tencent Holdings (10.5%), Xiaomi Group-W (7.72%), and others, indicating a concentration in major tech and financial companies [1] - The market sector distribution of the CESHKM index shows that consumer discretionary accounts for 34.30%, communication services for 22.36%, and financials for 20.90%, highlighting the index's exposure to these sectors [2] - The index's holdings are exclusively from the Hong Kong Stock Exchange, reflecting its focus on this market [2]

Core Insights - The global economic situation is complex, and the domestic economy is in a critical recovery phase, with the Bank of China Yangzhou Branch focusing on stabilizing foreign investment and trade through financial empowerment, service enhancement, and risk protection [1] Group 1: Financial Services and Support - The "Timely Rain" financing product facilitates efficient fund circulation by utilizing a cross-border financial blockchain service platform, enabling quick loan approvals and disbursements for enterprises [2] - The bank has provided nearly 1 billion yuan in supply chain financing to support various operational activities of foreign trade enterprises since the beginning of 2024 [2] Group 2: Cross-Border Settlement Efficiency - The establishment of a green channel for cross-border finance allows for 24/7 online foreign exchange and cross-border RMB services, reducing document review time by 30% [3] - In the first quarter of this year, the bank achieved an international settlement business volume of 1.742 billion USD and a cross-border RMB settlement volume of 7.826 billion yuan, with significant increases across various metrics [3] Group 3: Exchange Rate Risk Management - The bank has formed a professional team to assist small and medium-sized foreign trade enterprises in managing exchange rate risks, resulting in nearly 80 new clients utilizing hedging services and a hedging scale exceeding 1 billion USD since 2024 [4] - The bank organized discussions with key import and export enterprises to understand their needs and provide tailored financial support in response to changing tariff policies [4]

Core Viewpoint - Traditional commercial banks in China have historically focused on high-end clients, neglecting the "long tail" customer base, which represents a significant opportunity for growth and profitability through digital transformation and better management strategies [1][2]. Group 1: Overview of Long Tail Customers - Bank of China is one of the largest state-owned commercial banks in China, with a vast customer base and strong financial capabilities, particularly in its Shanghai branch [3][8]. - As of December 31, 2021, the Shanghai branch had 6,496,817 long tail customers, accounting for 97.99% of its total customer base, while high-end clients made up only 2.01% [4][5]. Group 2: Current Management Status and Challenges - The Shanghai branch employs a three-tier wealth management system but lacks detailed management strategies for the large long tail customer segment, leading to insufficient service and support [5][6]. - The existing personal customer management system is inadequate for the vast number of long tail clients, resulting in many being unmanaged and leading to a lack of personalized service [5][12]. Group 3: SWOT Analysis - **Strengths**: Bank of China has a long-standing reputation and a significant market presence, particularly in the long tail customer segment, which presents substantial growth potential [7][9]. - **Weaknesses**: The bank's traditional focus on high-end clients has led to a rigid operational mindset, and its technology infrastructure is not well-suited for managing long tail customers effectively [10][12]. - **Opportunities**: The rise of digital finance and supportive national policies provide a favorable environment for the bank to enhance its services to long tail customers [14][15]. - **Threats**: Increased competition from various financial institutions and the risk of product homogenization pose challenges to the bank's market position [17][18]. Group 4: Recommendations for Management Optimization - The bank should shift its operational mindset to recognize the value of long tail customers and allocate more resources to this segment [22]. - Optimizing human resource allocation and establishing a robust assessment mechanism for staff can enhance service delivery to long tail clients [23]. - Leveraging technology and big data can improve management efficiency and customer relationship management, ensuring a more responsive approach to client needs [24][25].

Core Viewpoint - Consumer spending is a crucial engine for high-quality economic growth and a key aspect of improving people's lives. China Bank plans to invest over 1 trillion yuan in loans, create 100 billion yuan in property income, and provide 10 billion yuan in consumer subsidies by 2025 to support consumer upgrades [1]. Group 1: Consumer Support Initiatives - China Bank aims to launch the "10 billion subsidy" initiative, which includes various financial support measures to enhance consumer spending and improve living standards [1]. - The bank has set up a consumer assistance booth at the China International Consumer Products Expo, showcasing local products and providing tailored financial services to exhibitors [2][3]. - China Bank has invested nearly 800 million yuan in poverty alleviation projects in Shaanxi, benefiting over 600,000 people [3]. Group 2: Innovative Financial Products - The bank has introduced the "Zhongyin Renewal Consumer Loan," offering loans up to 500,000 yuan with interest rates as low as 3% for home and appliance purchases [3]. - In Sichuan, China Bank supports housing and automotive loans with interest rates starting at 3%, and offers various trade-in financing options [4]. - The bank has partnered with 17 electric vehicle manufacturers to provide up to 5 years of zero-interest financing [5]. Group 3: Consumer Engagement and Discounts - China Bank's credit card program offers discounts and rewards across major platforms like Meituan, JD.com, and Alipay, enhancing consumer engagement [6]. - The bank has launched promotional activities, including cashback and discounts for online purchases, to stimulate consumer spending [7][8]. - A significant investment of over 100 million yuan is planned for consumer rights and benefits, including fee reductions and promotional offers [7]. Group 4: Support for Small Businesses and Rural Areas - China Bank is enhancing financial services for rural areas, small businesses, and individual entrepreneurs, ensuring that financial support reaches every corner of society [10]. - The bank has developed a mobile banking version tailored for rural governance and new citizens, providing diverse online services [11]. - Initiatives like the "Sailing Plan" aim to support small foreign trade enterprises in expanding into Southeast Asian markets [12]. Group 5: Consumer Safety and Education - China Bank is committed to consumer safety by implementing measures to protect residents' financial security and conducting educational outreach to raise awareness about financial literacy [12]. - The bank's efforts include innovative activities to engage communities and promote financial knowledge, ensuring a secure financial environment for consumers [12].