12月3日，交通银行手机APP热销存单一栏显示"当前无可购买的大额存单"，仅有转让存单在售。对 此，交通银行客服人员回应称："我行限量发售大额存单，如果线上显示没有，确实是已经卖完了。建 议您咨询附近网点，看有无存量的大额存单。"随后，记者从多地交通银行客户经理处获悉，目前该行 仅针对部分地区客户推出专享大额存单，且期限多为一年期及以下。例如，交通银行北京地区客户经理 小许告诉记者，该行仅有北京客户专享的一年期个人大额存单，20万元起购，年利率为1.40%。 (中证 金牛座) ...

南方财经12月3日电，据中证金牛座，12月3日，交通银行手机APP热销存单一栏显示"当前无可购买的 大额存单"，仅有转让存单在售。对此，交通银行客服人员回应记者称："我行限量发售大额存单，如果 线上显示没有，确实是已经卖完了。建议您咨询附近网点，看有无存量的大额存单。"随后，记者从多 地交通银行客户经理处获悉，目前该行仅针对部分地区客户推出专享大额存单，且期限多为一年期及以 下。例如，交通银行北京地区客户经理小许告诉记者，该行仅有北京客户专享的一年期个人大额存单， 20万元起购，年利率为1.40%。 ...

12月3日，记者发现，交通银行手机APP热销存单一栏显示"当前无可购买的大额存单"，仅有转让存单 在售。对此，交通银行客服人员回应记者称："我行限量发售大额存单，如果线上显示没有，确实是已 经卖完了。建议您咨询附近网点，看有无存量的大额存单。"记者从多地交通银行客户经理处独家获 悉，目前该行仅针对部分地区客户推出专享大额存单，且期限多为一年期及以下。例如，交通银行北京 地区客户经理小许告诉记者，该行仅有北京客户专享的一年期个人大额存单，20万元起购，年利率为 1.40%。（中证金牛座） ...

Core Viewpoint - The banking industry is undergoing a transformation driven by "new quality productivity," emphasizing the integration of advanced technologies like artificial intelligence and big data to enhance competitiveness and operational efficiency [1]. Group 1: Digital Transformation in Banking - The Bank of Communications is actively integrating the concept of "digital finance" into its retail credit business, shifting from a product-oriented approach to a customer-centric model [1]. - The bank's transformation aims to enhance its core competitiveness by leveraging digital capabilities and promoting a high-quality development path [1]. Group 2: Retail Risk Control Platform - The bank is transitioning from "incremental expansion" to "stock deepening" in retail credit, addressing challenges such as slowing growth and diverse customer needs [2]. - A retail risk control platform is being established, integrating six core capabilities: AI empowerment, data fusion, intelligent modeling, integrated risk control, decision-making operations, and enterprise-level architecture support [2]. Group 3: AI Empowerment - AI technology is embedded in 20 scenarios across the entire credit process, aiming to reduce human dependency and improve efficiency, with a projected release of over 500 human resources by 2025 [3]. - Innovations in the pre-loan, loan, and post-loan stages have significantly improved processing times and accuracy, with an automatic classification accuracy of over 95% and a processing time reduction from hours to minutes [3]. Group 4: Data Fusion - The bank's data fusion capabilities address the contradiction of having abundant data but insufficient application, integrating various data sources to create a shared resource pool [4]. - The platform has developed nearly 20,000 feature variables and 70,000 external variables, enhancing the approval rate for quality business circles to 70% [4]. Group 5: Intelligent Models - The bank has developed over 100 risk models covering the entire credit lifecycle, improving overall risk identification capabilities by nearly 50% [5]. - This systematic approach has not only improved effectiveness but also provided a standardized operational model for the industry [5]. Group 6: Integrated Risk Control - The integrated risk control system enhances decision-making accuracy and comprehensiveness, recovering nearly 5 billion yuan in losses through a comprehensive fraud prevention system [5]. - The evolution from "single-point defense" to "three-dimensional defense" marks a significant step in proactive risk management [5]. Group 7: Decision-Making Operations - A unified risk decision-making base is crucial for achieving organizational-level risk assessment and rapid response capabilities [7]. - The bank has implemented a distributed architecture to support high concurrency and low-latency business scenarios, enabling real-time decision-making [7]. Group 8: Customer-Centric Credit - The bank has innovated a customer-level credit model that integrates various financial services into a single application process, resulting in a monthly average increase of over 20% in credit amounts since implementation [9]. - This model effectively balances risk, efficiency, and customer experience, showcasing the bank's digital capabilities [9]. Group 9: Product Innovation - The launch of the "Business Circle Benefit Loan" product targets small and micro businesses, providing a streamlined online experience and addressing traditional credit service challenges [10]. - The product has reached nearly 100,000 customers across major business circles, enhancing market vitality [10]. Group 10: Process Restructuring - The bank is advancing the digital upgrade of its housing loan business, significantly improving approval efficiency and service quality [11]. - Over 80% of housing loan applications are now processed through mobile platforms, demonstrating the effectiveness of the digital transformation [11]. Group 11: Future Outlook - The banking sector is expected to evolve from mere financial service providers to builders of open ecosystems and enablers of intelligent services, driven by advancements in artificial intelligence [12]. - The bank's practices provide a valuable model for the industry, illustrating a pathway from tools to capabilities, and from capabilities to value creation [12].

Group 1 - The core viewpoint of the news is that Bank of Communications experienced a decline in stock price and trading volume, with a current price of 7.49 CNY per share and a market capitalization of 661.845 billion CNY [1] - As of December 3, the stock price has increased by 1.34% year-to-date, but has decreased by 2.22% over the last five trading days [1] - The main business segments of Bank of Communications include corporate finance (48.43%), personal finance (37.17%), and funding business (13.94%) [1] Group 2 - As of September 30, the number of shareholders increased by 21.95% to 320,800, while the average circulating shares per person decreased by 19.86% to 89,152 shares [2] - For the first nine months of 2025, Bank of Communications reported a net profit of 69.994 billion CNY, reflecting a year-on-year growth of 1.90% [2] - The company has distributed a total of 337.762 billion CNY in dividends since its A-share listing, with 83.694 billion CNY distributed over the last three years [2]

Core Insights - The article emphasizes the role of technology-driven enterprises as core forces driving high-quality development in the context of China's strategy for technological advancement and economic transformation [1] Group 1: Financial Solutions for Technology Enterprises - The bank customizes financial solutions to address the unique challenges faced by technology enterprises, moving away from a one-size-fits-all approach to tailored strategies for different industries and companies [2] - For the nuclear power industry, the bank has developed a customized financial solution that includes "Quick Payment," "Agency Discount," and "Quick Collection" to alleviate funding pressures on core enterprises and their suppliers [2] - The bank has collaborated with major nuclear power state-owned enterprises, achieving a cooperation balance exceeding 50 billion yuan, covering over 300 chain-related enterprises [3] Group 2: Digital Transformation and Service Efficiency - Digital transformation is identified as key to enhancing the effectiveness of technology financial services, with the bank implementing automated online service processes to improve efficiency [4] - A customized service for a leading global communication equipment manufacturer has resulted in a significant reduction in funding turnover pressure, processing approximately 200 transactions worth 4 billion yuan within a year [4] Group 3: Comprehensive Financial Solutions for the Entire Technology Supply Chain - The bank has introduced a unique "Chain Finance" solution to support small and micro enterprises at the end of the technology supply chain, addressing their financing difficulties [5] - In the automotive sector, the bank has upgraded its smart automotive finance system to facilitate rapid financing for dealers, significantly improving financing efficiency [5] Group 4: Innovative Product Services - The bank has adapted its product offerings to meet the complex operational scenarios of technology enterprises, successfully assisting a major consumer electronics manufacturer in optimizing its financial structure [7] - A financing solution for a large photovoltaic enterprise has effectively alleviated cash flow pressures by extending payment terms to upstream suppliers without requiring credit [8] Group 5: Collaborative Ecosystem Development - The bank is building cross-industry collaborative ecosystems to meet the evolving needs of the technology industry, exemplified by a partnership with a logistics group to create an innovative financing model [9] - This model has significantly improved financing efficiency for distributors in various sectors, with a cumulative funding scale reaching several billion yuan [9] Group 6: Future Directions - The article concludes that enhancing the resilience and security of supply chains is crucial, with financial services playing a key role in activating this core dynamic [10] - The ongoing challenges of global supply chain restructuring and the need for deeper digital integration in financial services are highlighted as critical areas for future exploration [10]

Core Viewpoint - The event "2025 China Bank 'Hui You Hao Sheng Yi' Business Circle Financial Ecosystem Conference" was held to establish a more efficient and precise inclusive financial community across regions, with the launch of the "Business Circle Hui Loan" product being a key highlight [1][3] Group 1: Product Launch and Features - The "Business Circle Hui Loan" product was officially launched by China Bank, aimed at small and micro enterprises and individual business owners, featuring a fully online application process [4] - The product utilizes digital capabilities to create a unique "credit profile" for each customer, allowing for precise assessment of their business situation and repayment ability, with a maximum loan amount of 5 million yuan [4][5] - The loan offers flexible repayment options, including "borrow as needed" and "interest first, principal later," with the potential for same-day approval and disbursement [4][5] Group 2: Strategic Collaborations and Ecosystem Development - China Bank signed a cooperation memorandum with seven key business circle management units from Zhejiang, Jiangsu, Guangdong, and Hunan provinces, laying a solid foundation for activating the economic potential of major business circles [1][5] - The bank's financial services have transitioned from single-point empowerment to a multi-dimensional ecosystem, marking a significant step towards collaborative financial service integration [5][6] - The service model has expanded to cover over 270 market circles nationwide, serving various industries including clothing, agricultural trade, cold chain, and food [5][6]

交通银行股份有限公司（以下简称"交通银行"或"本行"）董事会及全体董事保证本公告内容不存在任何 虚假记载、误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 一、董事会会议召开情况 根据《交通银行股份有限公司章程》第158条和第161条的规定，经任德奇董事长提议，本行第十一届董 事会第三次会议（临时会议）以书面传签方式召开。本行于2025年11月24日以专人送达或电子邮件的方 式，向全体董事发出本次会议通知和文件。本次会议应参加表决董事15名，截至2025年12月1日，共收 回有效表决票15份。根据表决结果，参加表决人数符合《中华人民共和国公司法》和《交通银行股份有 限公司章程》的规定。 二、董事会会议审议情况 （一）关于聘任张薇女士为审计监督局局长的决议 会议同意聘任张薇女士为本行审计监督局局长，任职自董事会审议通过之日起生效。 表决情况：同意15票，反对0票，弃权0票 张薇女士简历请见附件。 （二）关于修订《交通银行股份有限公司市场风险管理办法》的决议 会议审议批准《关于修订〈交通银行股份有限公司市场风险管理办法〉的议案》。 特此公告 交通银行股份有限公司董事会 2025年12月1日 ...

面对重大绿色基建项目，该行提供全周期、多维度金融支持。例如，针对山东港口青岛港自动化码头这 一"双五星"项目，该行通过系统直连"港易付"供应链平台，已累计为上百家上下游中小企业提供约7亿 元信贷支持。同时，批复200亿元预授信额度，并协同集团内机构提供融资租赁、跨境直贷等服务，有 力推动了绿色智慧港口的建设与运营。 为破解绿色项目"前期投入大、回收周期长"的普遍难题，该行积极探索"表内+表外""商行+投行"的综合 服务模式。成功落地青岛首单碳减排可持续挂钩债券、全国消费行业首单"绿色+两新+科创"债券，并 通过创新保理服务精准支持全国家电拆解企业，有效拓宽了绿色产业的融资渠道。 交通银行青岛分行深耕青岛，以创新驱动绿色金融发展，精准对接国家战略与区域需求。截至2025年9 月末，该行绿色信贷余额已超355亿元，同比增长12.56%，占本外币贷款比重超过21%，展现了在服务 绿色低碳高质量发展方面的显著成效。 在支持企业绿色转型方面，该行创新运用动态授信模式，为中铝青岛轻金属有限公司提供了关键金融支 持。通过5000万元敞口授信及"短贷+银承"的组合方案，有效满足了企业转型初期的高频资金需求。伴 随企业成功实现 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告之內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不就因本公告全部或任何部分內容而產生或因倚 賴該等內容而引致之任何損失承擔任何責任。 （於中華人民共和國註冊成立的股份有限公司） （股份代號：03328） 海外監管公告 本公告乃根據香港聯合交易所有限公司證券上市規則第13.10B條而作出。 公司秘書 中國上海 2025年12月1日 於本公告發佈之日，本行董事為任德奇先生、張寶江先生、殷久勇先生、 周萬阜先生、常保升先生*、廖宜建先生*、陳紹宗先生*、穆國新先生*、 艾棟先生*、石磊先生 # 、張向東先生 # 、李曉慧女士 # 、馬駿先生 # 、王天澤先生 # 及 肖偉先生 # 。 * 非執行董事 ＃ 獨立非執行董事 股票代码：601328 股票简称：交通银行 编号：临 2025-074 交通银行股份有限公司 第十一届董事会第三次会议决议公告 茲載列交通銀行股份有限公司於上海證券交易所網站刊登的《交通銀行股份有限 公司第十一屆董事會第三次會議決議公告》，謹供參閱。 承董事會命 交通銀行股份有限公司 何兆斌 张薇女士简历请见附件。 1 （二 ...