揭示诈骗手法，强化防范意识 泉州市公安局丰泽分局民警紧贴大学生活，列举"刷单返利""虚假购物""网友虚假交易"等常见电诈类型，深入剖 析作案手法和心理操控手段，着重强调"不轻信、不透露、不转帐"原则，提示同学们遇到可疑情况，立即拨打 96110求助，为财产安全筑牢屏障。 转自：东方网 为切实提升社会公众金融素养及风险防范意识，维护金融消费者合法权益，2025年金融教育宣传周期间，围绕"保 障金融权益，助力美好生活"主题，渤海银行福州分行联合泉州市公安局丰泽分局走进黎明职业大学，开展"金融 安全第一课"金融知识宣传活动，为学子们送上一份别开生面的"金融安全指南"。 拆解不良网贷陷阱，树立理性消费观念 下阶段，渤海银行福州分行将持续秉持"以人民为中心"的服务理念，持续加强与社区、学校、企业等各界的合 作，常态化开展金融知识宣教工作，助力提升社会公众的金融素养和风险防范意识，为构建和谐稳定的金融环境 贡献渤海力量。 编辑：张震 活动设置现场问答环节，工作人员随机提问，同学们踊跃抢答，通过寓教于乐的方式，让同学们在轻松愉快的氛 围中掌握防诈骗关键知识。参与活动的同学们表示："这样有趣又实用的活动，让我们对诈骗手法有了 ...

Group 1 - The core objective of the recent campaign by Bohai Bank's Changchun branch is to promote the concept of integrity and enhance the foreign exchange environment in Jilin Province [1][2] - The campaign employs a dual approach of "online + offline" to ensure comprehensive outreach to various market entities and the public [1][2] - Offline activities include prominent displays of integrity-themed slogans and educational materials at bank branches, along with staff providing direct consultations to customers [1][2] Group 2 - Online efforts leverage the bank's official WeChat account to disseminate information focused on "integrity in foreign exchange," including articles on managing exchange rate risks and the dangers of illegal cross-border financial activities [2] - The bank aims to create a public atmosphere that encourages trustworthiness and restricts dishonest practices, thereby enhancing the overall integrity of the market [2] - Future plans include deepening the "integrity in business" concept with more targeted promotions and quality services to support compliant market entities [2]

Core Viewpoint - Bohai Bank has launched the "Electricity Fee Ticket" product to innovate the financial services ecosystem for electricity payments, addressing issues such as high-frequency purchasing, fluctuating pricing, time-consuming reconciliation, and inefficient capital flow for electricity-consuming enterprises [1][2]. Group 1: Product Features - The "Electricity Fee Ticket" is based on the policy from the National Energy Administration and is tailored for the characteristics of the three major power grids: State Grid, Southern Grid, and Inner Mongolia Power [2]. - The product includes a five-step closed loop: electricity agreement, bill issuance, discount financing, electricity payment, and maturity payment, allowing for a seamless online process [2][3]. - The Southern Grid version of the product enables "second-level" fund arrival, enhancing efficiency for enterprises in sectors like renewable energy and manufacturing [2]. Group 2: Financial Benefits - The financing cost for enterprises using the Southern Grid Electricity Fee Ticket is only 1.2%, highlighting the product's advantages of ease of processing, low costs, flexible payment terms, and quick fund arrival [3]. - The product aims to reduce costs through models like "buyer pays interest discount" and "automatic discount," facilitating automatic clearing at maturity for a "frictionless payment" experience [2][3]. Group 3: Strategic Alignment - The "Electricity Fee Ticket" aligns with the dual carbon strategy and electricity market reforms, focusing on the electricity needs of green and manufacturing enterprises, such as those in battery and photovoltaic manufacturing [3]. - The initiative promotes precise allocation of electricity resources and creates an interconnected ecosystem among electricity-consuming enterprises, power grid companies, and financial institutions, driving the green transformation of the energy industry [3].

Core Viewpoint - The "Bo Nong Loan" product by Bohai Bank's Changchun branch significantly enhances the accessibility and efficiency of agricultural loans for farmers, leveraging financial technology to streamline the application process and reduce costs [1][2][3]. Group 1: Product Development and Features - "Bo Nong Loan" was developed in collaboration with Jilin Provincial Financial Holding Group, officially launched in May 2020 after extensive testing [2]. - The product integrates account functions within the "Ji Nong Jin Fu" app, allowing farmers to complete all loan-related operations on a single platform without needing additional applications [2]. - It enables online one-stop credit inquiries, eliminating the need for farmers to travel to county towns for credit reports, thus reducing time and transportation costs [2][3]. Group 2: Financial Benefits and Cost Reduction - Since its inception, "Bo Nong Loan" has seen a cumulative interest rate reduction of 73 basis points, easing the financial burden on farmers [4]. - The loan limit for single transactions was increased from 150,000 yuan to 200,000 yuan in March 2024, catering to the funding needs of larger agricultural operations [4]. Group 3: Impact and Future Plans - As of August 2025, "Bo Nong Loan" has disbursed approximately 9 billion yuan across 13,000 loans, benefiting over 8,940 farmers in Jilin Province [5]. - Bohai Bank's Changchun branch aims to expand the service further, enhancing product features and service processes to support more farmers and contribute to rural revitalization [5].

Core Viewpoint - Bohai Bank's "Bohai Treasury" service system has won the "Excellent Bank for Treasury Construction in China" award, highlighting its innovative product design, technological application, and service effectiveness [1][2]. Group 1: Service System Overview - The "Bohai Treasury" service system is a key component of Bohai Bank's digital transformation in transaction banking, facilitating the shift from traditional treasury management to a modern, intelligent approach [2][4]. - The service is built on the Tianjin State-owned Assets Supervision and Administration Commission's "11+4" functional framework, featuring seven intelligent core platforms that provide comprehensive treasury management solutions [4][5]. Group 2: Technological Integration - The system integrates advanced technologies such as big data and artificial intelligence, creating a comprehensive service framework that includes fund management, investment and financing services, intelligent scheduling, risk prevention, and data analysis [5][6]. - The "Bohai Treasury" service has successfully served dozens of enterprise groups and hundreds of member units, achieving a coverage rate of 34% among Tianjin's state-owned enterprises [5]. Group 3: Future Development - Bohai Bank aims to continuously upgrade the "Bohai Treasury" product features, explore data value, and expand service scenarios to provide smarter, more efficient, and safer treasury management solutions for a broader range of enterprise clients [6].

Core Insights - The article highlights the increasing importance of bill financing in supporting private enterprises, particularly in the context of digitalization and innovative financial products [1][5] - Bohai Bank has positioned its bill business as a crucial link between finance and industry, achieving significant growth in bill acceptance and discounting services [1][2] Group 1: Business Growth and Innovation - As of August 2025, Bohai Bank's bank acceptance bill issuance exceeded 280 billion yuan, with bill discounting business reaching nearly 80 billion yuan, injecting substantial financial resources into the real economy [1] - Since becoming a pilot financial institution at the Shanghai Bill Exchange in 2022, Bohai Bank launched a new generation bill service platform, offering a comprehensive online service covering all stages from signing to discounting [2][5] - The introduction of the "Bohai Silver Instant Discount" product in 2024 enabled automatic review of trade backgrounds and instant fund disbursement, with over 2 billion yuan already disbursed to major enterprises in various industries [3] Group 2: Technological Integration and Customer Service - Bohai Bank has developed a "Bill Map" that integrates diverse data to provide clear customer profiles and precise analysis of customer needs, enhancing the ability to reach a broader range of clients [4] - The bank has introduced a comprehensive service solution combining accounts receivable pledge invoicing and discounting, effectively reducing financial costs for leading enterprises in the new energy vehicle sector [4] - Since 2022, the new bill service platform has addressed multiple pain points for enterprises, serving over 10,000 signed companies and embodying the principle of "data doing the running, customers doing less" [5]

【文/羽扇观金工作室】 在全国性股份制银行普遍面临经营压力的背景下，渤海银行成为少数实现营收和净利润双重增长的机构 之一。 尽管业绩数据表现积极，但市场反应相对冷淡。自8月29日发布半年报以来，渤海银行港股价格一度跌 至0.98港元，直至9月9日收盘才回升至1.1港元，仅较报告发布日开盘价上涨5.77%。 在零售信贷收缩的同时，渤海银行加大了企业金融业务转型力度，重点打造"行业银行、专业银行、生 态银行"三大服务模式，聚焦新能源、生物医药、汽车等重点产业。 然而，转型成效尚未充分体现在财务表现上。公司业务分部上半年营收81.05亿元，同比仅增长0.93%； 税前利润37.4亿元，增幅仅为0.08%。业绩增长缓慢主要受资产质量波动影响，该板块资产减值损失 22.89亿元，同比大增25.7%。 金融市场业务贡献突出但盈利承压 分析人士认为，投资者态度谨慎主要源于两方面因素：一是该行连续三年未实施现金分红政策；二是尽 管整体业绩向好，但各业务板块发展质量参差不齐，长期增长动能仍待观察。 企业金融业务增长乏力 2025年上半年，渤海银行营业收入达142.15亿元，净利润38.3亿元，同比分别提升8.14%和3.61% ...

CHINA BOHAI BANK CO., LTD. 渤海銀行股份有限公司 股份代號 : 9668 （ 於中華人民共和國註冊成立的股份有限公司 ） 2025 中期報告 2025年中期報告 1 目錄 目錄 2 釋義 4 重要提示 5 公司基本情況簡介 6 會計數據和財務指標摘要 8 管理層討論與分析 50 股本變動及股東情況 54 董事、監事、高級管理層成員、員工和機構情況 61 公司治理 66 重要事項 70 審閱報告及中期財務報告 170 組織架構圖 釋義 | | | 渤海銀行股份有限公司 本行、公司 指 渤海銀行股份有限公司，一家根據中國相關法律法規於2005年12月30日在 中國成立的股份有限公司，其H股於香港聯交所上市（股票代碼：9668） 渤銀理財 指 渤銀理財有限責任公司 中央銀行、人民銀行 指 中國人民銀行 中國企業會計準則 指 中華人民共和國財政部於2006年2月15日及以後期間頒佈的《企業會計準 則 － 基本準則》、具體會計準則、企業會計準則應用指南、企業會計準則解 釋及其他相關規定 《公司法》 指 《中華人民共和國公司法》 中國證監會 指 中國證券監督管理委員會 本報告日期 指 本行董事會 ...

股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 I. 法定/註冊股本變動 截至月份: 2025年8月31日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 渤海銀行股份有限公司 呈交日期: 2025年9月3日 | 1. 股份分類 | 普通股 | 股份類別 | H | | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 09668 | 說明 | | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 6,200,555,000 | RMB | | 1 | RMB | | 6,200,555,000 | | 增加 / 減少 (-) | | | 0 | | | | RMB | | 0 | | 本月底結存 | | | 6,200,555,000 | RMB | | | 1 RMB | | 6,200,555,000 | | 2. 股份分 ...

Core Viewpoint - Bohai Bank reported its unaudited interim results for the six months ending June 30, 2025, showing a revenue of 14.215 billion yuan, a year-on-year increase of 8.14%, and a net profit of 3.830 billion yuan, up 3.61% year-on-year, indicating a stable growth trajectory in its financial performance [1] Financial Performance - For the first half of 2025, Bohai Bank achieved an operating income of 14.215 billion yuan, representing an 8.14% increase year-on-year [1] - The net profit for the same period was 3.830 billion yuan, reflecting a year-on-year growth of 3.61% [1] - The cost-to-income ratio improved to 32.17%, a decrease of 4.10 percentage points compared to the previous year [1] - As of June 30, 2025, the total assets reached 1.82 trillion yuan, while total liabilities stood at 1.71 trillion yuan [1] Technological Financial Empowerment - Bohai Bank has focused on technology finance as a key driver for new productivity, targeting sectors such as commercial aerospace, brain-computer interfaces, synthetic biology, AI, and humanoid robots [2] - The bank's loans to technology enterprises reached 71.252 billion yuan, a significant increase of 51.28% from the end of the previous year [2] - The issuance of 5 billion yuan in technology innovation bonds supports the bank's commitment to financing technology innovation, with a total of 31.47 billion yuan in bonds underwritten since the policy's introduction [2] Green Finance Initiatives - Bohai Bank is committed to green finance, with a focus on industries like AI, new information technology, renewable energy, new materials, and automotive sectors [2] - The balance of green loans reached 49.902 billion yuan, marking a 15.02% increase from the end of the previous year [2] - The bank's self-investment in green bonds amounted to 10.8 billion yuan, a 57% year-on-year increase, while Bohai Wealth Management invested 3.09 billion yuan in green bonds, up 224% year-on-year [2] Inclusive Finance Development - Bohai Bank has developed a comprehensive inclusive finance product system, focusing on small and micro enterprises [3] - As of June 30, 2025, the balance of inclusive loans was 56.430 billion yuan, a 2.1% increase from the previous year, with over 140,000 inclusive loan customers, a 9.65% increase [3] Pension Finance Services - The bank is enhancing its services in the third pillar of the national pension system, developing personal pension account products and optimizing the "Bohai E-Finance" pension product system [3] - Bohai Bank aims to create a unique pension ecosystem to meet diverse and high-quality modern pension needs in China [3] Digital Financial Transformation - Bohai Bank is advancing its digital transformation through AI, big data, and cloud computing, enhancing its IT infrastructure and developing a new generation of distributed core systems [4] - The bank is implementing an "AI Application Project" to create a collaborative algorithm system and has launched various digital services to improve financial service efficiency [4]