Core Viewpoint - The Chinese government emphasizes the importance of financial development in achieving modernization, with a focus on inclusive finance as a key component for high-quality economic growth [1] Group 1: Financial Development Strategies - The 14th Five-Year Plan outlines strategic goals for building a strong financial nation, highlighting the development of technology finance, green finance, inclusive finance, pension finance, and digital finance [1] - The implementation plan for high-quality development of inclusive finance was jointly issued by the National Financial Regulatory Administration and the People's Bank of China, emphasizing the integration of party leadership into all aspects of inclusive finance [1] Group 2: Inclusive Finance Achievements - As of September 2023, inclusive loans in China grew by 11.2% year-on-year, with the balance of inclusive micro-loans reaching 36.1 trillion yuan, a 12.2% increase [1] - China Bank reported an inclusive loan balance of 2.71 trillion yuan by September 2025, benefiting nearly 1.8 million small and micro enterprises [2] Group 3: Local Initiatives and Community Engagement - In Shenzhen, the local government and China Bank have established a three-tiered party-building system to enhance financial services for small and micro enterprises, addressing their specific financing needs [3] - The "Xinhua Assistance Seedling" service team from China Bank has tailored financial products like the "Electronic Business Circle Loan" to meet the urgent and frequent funding needs of local businesses [4] Group 4: Organizational Structure and Governance - China Bank is focusing on building a clear and efficient organizational structure led by party leadership to ensure effective policy implementation and high-quality development of inclusive finance [6] - The bank has established various committees and mechanisms to enhance the top-level design and policy framework for inclusive finance, aligning with national strategies [7] Group 5: Risk Management and Sustainability - The bank emphasizes the dual role of party leadership in expanding services while maintaining risk control, ensuring that inclusive finance development is both commercially viable and socially beneficial [11] - China Bank has implemented an intelligent risk control system to proactively identify and manage risks associated with small and micro loans [11] Group 6: Integration of Political and Business Strategies - The practices of China Bank illustrate a pathway for integrating political and organizational advantages into governance effectiveness and business resilience, ensuring alignment with national financial goals [12]

Core Viewpoint - The banking industry must innovate and establish a sustainable financial system that aligns with technological innovation to support the development of a strong technological nation [1][2]. Group 1: Technological Financial Development - The essence of "technological finance" is to price for the future and empower uncertainty, necessitating a sustainable development model through innovation and specialized operations [1][2]. - Banks should enhance the adaptability, relevance, and effectiveness of technological financial services by improving specialized service models, innovating product systems, and refining differentiated assessment frameworks [1][2]. Group 2: Practical Implementation - Banks should focus on supporting the development of new productive forces by optimizing financial supply based on local resources and industry foundations, establishing a diverse and specialized financial product service system [2]. - There is a need to deepen the integration of technological and industrial innovation, strengthen the coordination of industrial and financial policies, and respond promptly to changes in enterprise financial service demands [2]. Group 3: Role of Different Banking Institutions - Large state-owned and national commercial banks should leverage their comprehensive operational advantages to support major national technological tasks and facilitate capital circulation through various financial instruments [3]. - Small and medium-sized banks should create specialized technological financial service systems, focusing on technology-oriented SMEs and exploring diverse service models to meet the varied needs of rapidly developing technology enterprises [3]. Group 4: Collaborative Ecosystem - The banking industry should deepen multi-party cooperation, building a technological financial ecosystem and utilizing various financial instruments to provide comprehensive financial services for technology enterprises [4]. - The China Banking Association aims to promote the effectiveness of technological financial policies and enhance communication platforms to better support the development of new productive forces [4].

Core Viewpoint - The report highlights the trends, characteristics, significant changes, and achievements in the development of intermediary business in China's banking sector, while also analyzing the challenges faced and forecasting future directions [1][5] Group 1: Service National Strategy and Improve Service Quality - Due to factors such as slowing economic growth and policy interest rate cuts, commercial banks are experiencing a continuous narrowing of net interest margins, necessitating a shift towards intermediary business with lighter capital and assets [2][6] - Commercial banks are actively serving key sectors like advanced manufacturing, strategic emerging industries, and the elderly care industry, while enhancing product innovation and accelerating business transformation [2][6] - The implementation of fee reduction policies aims to improve financial service quality and optimize customer financial experiences, thereby supporting high-quality economic development [2][6] Group 2: Strengthen Management Capabilities and Solidify Operational Foundation - Intermediary business is crucial for commercial banks to serve the real economy and promote their own high-quality development [7] - In the context of narrowing net interest margins and tightening capital constraints, banks are enhancing refined management and professional capabilities to achieve cost reduction and efficiency improvement [7] - The report emphasizes the need for product and service innovation, building a versatile talent pool, deepening technological empowerment, and strengthening compliance management to enhance value creation capabilities [7] Group 3: Learn from International Experience to Promote Transformation and Upgrading - The report reviews the overall development and structural characteristics of intermediary business in European and American banks over the past three years, comparing income structure, product service innovation, and management models [3][7] - By integrating China's national conditions and policy guidance, the report suggests adopting mature practices from international banks in terms of management philosophy, operational models, and technological innovation to facilitate the transformation and upgrading of intermediary business in China [3][7] Group 4: Select Excellent Cases to Showcase Good Practices - The report selects exemplary cases of intermediary business product innovation from various banks, including the China Development Bank, Agricultural Development Bank of China, and others, showcasing innovation models, service effectiveness, significance, and specific application scenarios [4][7] - This selection aims to demonstrate the innovative development of intermediary business in commercial banks and the effective practices in addressing key issues [4][7]

Core Viewpoint - Technological innovation is identified as a core element of national competition, with a focus on enhancing self-reliance and strength in technology as outlined in the "14th Five-Year Plan" [1] Group 1: Financial Support for Technological Innovation - The Ministry of Science and Technology, the People's Bank of China, and other regulatory bodies have proposed 15 specific measures to provide comprehensive financial support for technological innovation across seven key areas [1] - China Bank has launched the "Integrated Customer Cultivation Plan" with an initial funding pool of 60 billion yuan, aimed at supporting the growth of key technology enterprises [1][4] Group 2: Integrated Cultivation Concept - The "Integrated Cultivation" concept aims to provide a seamless service model for high-growth potential technology companies, transitioning from fragmented services to a one-stop service approach [2] - The plan includes a comprehensive service package covering equity, loans, bonds, and investment banking, tailored to the development stages of enterprises over a 3-5 year period [2] Group 3: Funding Structure and Focus Areas - The initial funding pool consists of 10 billion yuan for equity investment and 50 billion yuan for credit support, with a focus on key hard technology sectors such as integrated circuits, artificial intelligence, and biomedicine [4] - The plan will first be implemented in five key regions: Beijing, Shanghai, Jiangsu, Shenzhen, and Hangzhou, targeting the cultivation of at least 100 high-quality enterprises with core technologies [4] Group 4: Case Study of Successful Support - The example of GPU company Moore Threads illustrates the effectiveness of the plan, with China Bank providing over 100 million yuan during the A-round financing and leading a consortium to support a 1 billion yuan project [3]

证监会公告，经审核，现批复如下：一、核准中国银行（香港）有限公司（Bank of China (Hong Kong) Limited）合格境外投资者资格。二、你公司在开展合格境外投资者业务的过程中，应当严格遵守有关 规定，依法履行职责、承担责任。 ...

金融消费者权益保护工作重在行动、贵在速度、要在质效。在实践中，中行江苏省分行聚力打好机制构 建和快速反应"组合拳"，全面提升金融消保工作"效率值"和"敏捷度"。 消费者权益保护工作涉及广、头绪多，为做到既高效统筹又精准发力，中行江苏省分行用心用情聆 听"客户之声"，以机制创新破题，提升工作质效。中行江苏省分行持续推进消费者权益保护工作联席会 议机制，构筑先横后直服务模式，从系统、流程、服务角度治理，推动自上而下不断优化完善。牢固树 立"大消保"理念，在提升全流程、全系统"统筹力"的基础上，实现同心答题、敏捷反应的良好生态。 聚焦近年来客户行为高度线上化的特点，中行江苏省分行因时、因势、因客而变，更加注重线上沟通和 快速响应。中行江苏省分行创新落地"消保快处专线"，构建"问题直达分行、诉求即时响应"的快速处置 通道，实现客户诉求从受理到解决的全流程提速，处理时效由原先的3个工作日缩短至1个小时，切实提 升处理效率和客户体验感。 金融消费者权益保护工作关乎金融业高质量、可持续发展，是践行金融工作政治性、人民性的直接体 现。在国家金融监督管理总局江苏监管局和总行指导下，中国银行江苏省分行(简称"中行江苏省分行") ...

人民财讯12月25日电，12月25日，中国电子与中国银行（601988）签署战略合作协议。根据战略合作协 议，双方将围绕金融服务、金融科技等领域深化务实合作。 ...

来源：中国银行 12月25日，中国银行党委召开扩大会议，认真传达学习习近平总书记对中央企业工作作出的重要指示精 神，结合中央企业负责人会议要求，研究部署贯彻落实措施。党委书记、董事长葛海蛟主持会议并讲 话。 会议认为，习近平总书记对中央企业工作作出的重要指示，充分肯定了中央企业在国民经济中的骨干和 支柱作用，进一步明确了新征程上中央企业肩负的职责使命，对做好中央企业工作作出重大部署，具有 很强的战略性和指导性，充分体现了以习近平同志为核心的党中央对中央企业工作的高度重视和殷切期 望，为我们做好当前和今后一个时期各项工作指明了前进方向、提供了根本遵循。要深学细悟习近平总 书记重要指示的重大意义和深刻内涵，与学习贯彻党的二十届四中全会精神、中央经济工作会议精神结 合起来，与学习贯彻习近平经济思想金融篇、中央金融工作会议精神贯通起来，用实绩实效坚定拥 护"两个确立"、坚决做到"两个维护"。 12月25日，中国银行党委召开扩大会议，认真传达学习习近平总书记对中央企业工作作出的重要指示精 神，结合中央企业负责人会议要求，研究部署贯彻落实措施。党委书记、董事长葛海蛟主持会议并讲 话。 会议认为，习近平总书记对中央企业工作 ...

2025年12月24日，中国银行（601988）发布公告称，根据国际外汇、贵金属市场在圣诞节假期期间休市 的安排，中国银行账户贵金属、双向账户贵金属、个人积利金、外汇买卖、双向外汇宝业务交易时间将 相应调整，具体安排如下（以下均为北京时间）： 3.外汇买卖、双向外汇宝业务：2025年12月25日（周四）下午16:00起暂停交易，12月26日（周五）上 午7:00起恢复交易。 考虑上述假期翌日，中国银行恢复报价时可能出现市场明显波动，流动性变差，中国银行将依据市场情 况调整报价价差水平，具体调整情况以各渠道实际成交价格为准。 请您关注上述交易时间和价差的变化，并请提前做好安排。 1.账户贵金属、双向账户贵金属业务：2025年12月25日（周四）早2:00起暂停交易，12月26日（周五） 上午8:00起恢复交易。 2.个人积利金业务：2025年12月25日（周四）下午15:15起暂停交易， 12月26日（周五）上午9:00起恢 复交易。 ...

中国银行日前宣布，针对科技型企业的金融需求，将配置600亿元专项资金池，包括100亿元股权投资资 金和500亿元信贷资金，首期在北京、上海、江苏、深圳、杭州五地试点，培育不少于100家具有关键核 心技术的优质企业。 ...