该行工作人员通过典型案例剖析，深入讲解"高息理财""冒充客服退款""虚假养老投资"等常见诈骗套 路，重点强调"不轻信、不透露、不转账"的防骗口诀，帮助居民擦亮识骗的"慧眼"。针对老年群体，志 愿者一对一指导使用手机银行的安全功能，演示如何查询账户明细、设置交易限额，并提醒妥善保管银 行卡、身份证等重要证件，远离陌生推销的金融产品，切实守护好"钱袋子"。 为增强宣传实效，该行特别设置趣味互动环节，通过金融知识有奖问答、反诈情景模拟等群众喜闻乐见 的形式，让居民在轻松参与中巩固所学知识。此次进社区宣传活动，共发放宣传资料200余份，接待居 民咨询100余人次，覆盖社区居民400人，有效破解了"金融知识难懂、风险陷阱难辨"痛点，赢得居民好 评。 民生银行济南大观园支行将以此次活动为契机，建立金融知识普及的长效机制，常态化开展进社区、进 商圈、进老年大学等宣传活动，不断创新宣传形式、丰富宣传内容，让金融消保知识深入人心，切实守 护好群众的合法权益，为构建安全、和谐、健康的金融消费环境贡献民生力量。（武美桐） 转自：新华财经 为深入贯彻落实金融消费者权益保护工作要求，切实提升社会公众金融素养与风险防范能力，近日民生 银 ...

2025年12月26日，民生银行董事会审议通过了吸收合并民生村镇银行的决议。据悉，民生银行是股份行 中发起设立村镇银行数量较多的机构之一，共设有29家村镇银行。 2026年伊始，民生银行"村改支"提速。1月5日，民生银行受让其他股东持有的宁晋民生村镇银行股份， 持股比例变为95%，下一步将设立分支机构。1月9日，林芝民生村镇银行获批解散，同时设立二级分行 林芝分行。 人事方面，银行人事了解到，民生银行年初多家一级分行行长、副行长出现变动，本期予以汇总。 广州分行行长徐文华，转任杭州分行首席专员。 来源：金融人事mini 徐文华，曾执掌民生银行多家一级分行，历任杭州分行助理、副行长，温州分行行长，济南分行行长， 2022年4月接替杨济生出任广州分行行长。广州分行是民生银行第四大分行，截至2025年6月末，广州分 行资产规模达3400．35亿元，有员工2794人。 总行信贷管理部总经理郭代，任广州分行行长。 郭代，中国农业大学经济管理学院博士，曾在民生银行总行风险管理部任职，后历任民生银行深圳分行 行长助理、副行长、纪委书记，总行信贷管理部副总经理、总经理。 北京分行副行长孙霖，拟调任广州分行副行长；曾任民生银行 ...

Core Viewpoint - Minsheng Bank is transitioning from traditional payment functions to building a comprehensive ecosystem that connects consumers, merchants, and the bank [1] Group 1: Online Platform Integration - The "All People's Life" App serves as the core platform for credit card business, continuously upgrading with embedded services covering high-frequency life scenarios such as public payments, entertainment, transportation, fitness, and healthcare, enabling precise customer profiling and "concierge-style" services [2] - The new version of the mobile banking App 10.0 focuses on wealth management, smart accounting, and security services, introducing AI features like digital human services, smart search, and customer service, while creating proprietary festivals to enhance user engagement and activity [2] - Payment optimization includes one-click binding with mainstream payment platforms like WeChat and Alipay, allowing users without Minsheng Bank cards to log in via phone number to access wealth management and lifestyle benefits [2] Group 2: Offline Scene Coverage - Collaboration with China UnionPay has led to the creation of a customer acquisition model within the UnionPay ecosystem, promoting the "UnionPay Ecological Card" nationwide, allowing users to access and use UnionPay coupons through Minsheng's mobile banking [3] Group 3: Targeted Customer Segmentation - Minsheng Bank has launched customized products to meet the diverse and personalized consumption demands of different customer segments, including a credit card for new citizens featuring designs that enhance their sense of belonging [4] - For car owners, the bank introduced automotive-themed credit cards and a co-branded card with PetroChina, offering extensive charging benefits for the electric vehicle market [4] - A new credit card for the elderly will be issued, featuring lifetime fee waivers, free transaction alerts, fraud insurance, personal doctor services, and one-click customer service to help seniors bridge the "digital divide" [4][5] Group 4: Financial Support to Boost Consumption - Beyond payment convenience and discounts, Minsheng Bank provides flexible credit support to lower consumption barriers and enhance residents' quality of life [6] Group 5: Scenario-Based Installment Services - The bank collaborates with platforms like Taobao and JD.com to offer installment services with discounts and interest-free options for essential and quality consumption scenarios, particularly in the context of national policies promoting the replacement of consumer goods [7] Group 6: Supply Chain Financial Empowerment - As a pioneer in supply chain finance, Minsheng Bank offers financing support to small and micro enterprises through its "Minsheng E-Chain" product series [8] - The bank innovates with a "guidance-based credit" model to provide unsecured loans to small and micro enterprises that do not meet traditional credit standards but have sound operations, alongside a dedicated app for easy loan applications and digital currency payments [10] Group 7: Comprehensive Strategy - Minsheng Bank's innovative consumption strategy is a multi-faceted initiative leveraging digital platforms, extensive ecosystem partnerships, precise customer segmentation, and flexible financing solutions to create a virtuous cycle benefiting users, merchants, and the bank [10]

此次数据资产质押融资的落地，是政企银三方协同创新的成果，更是破解中小企业融资难题、激活数据 要素市场的重要突破。传统融资模式中，企业往往因缺乏有形抵押物面临融资困境，而数据质押融资则 为企业打开了新的融资通道：一方面，它打破了"数据资源"与"金融资本"之间的壁垒，让沉淀的数据资 产转化为企业发展的"真金白银"，为中小企业数字化转型和技术创新注入金融活水；另一方面，它推动 金融机构创新服务模式，从传统的抵质押评估转向数据资产价值评估，从而推动金融行业提升对数字资 产的认知与服务能力。 对于产业升级而言，"AI感知预测模型"的实践探索，不仅让企业充分挖掘自身数据资源的战略价值，更 推动全社会数字化转型向纵深发展。西海岸公用集团的实践证明，数据资产确权、评估、质押的全流程 可落地、可复制，其构建的风险防控体系也为行业提供了重要参考。 成立30年来，民生银行始终秉承"服务大众，情系民生"使命，坚持以客户为中心，持续守正创新。未 来，随着数据要素市场的不断完善，民生银行将持续深耕数据金融领域，推出更多定制化金融产品，为 企业数字化转型保驾护航，书写数字经济与实体经济融合发展的新篇章。 来源:金融界资讯 在数字经济浪潮奔 ...

1月20日，《Brand Finance 2026年全球品牌价值500强榜单报告》在瑞士达沃斯正式发布。 具体来看，此次有多家银行进入上述榜单，包括工商银行、建设银行、中国银行、农业银 行、招商银行、中信银行、邮储银行、交通银行、浦发银行、兴业银行、民生银行、光大银 行等。与2025年榜单相比，光大银行排名下滑最多，降71个名次至461位；其次是民生银 行，降60个名次至404位。 此外，另有中国平安、中国人寿、中国人保、太平洋保险、友邦保险、保诚保险、国泰人寿 7家中国保险公司上榜。其中，保诚保险排名下滑明显，较上年排位下降117个名次。 | 排名变化 | 2026年排名 | 2025年排名 | 银行名称 | 工商银行 | 12 | 13 | 11 | | --- | --- | --- | --- | --- | --- | --- | --- | | 建设银行 | 1 d | I d | 1 | 12 | 中国银行 | 17 | 19 | | 农业银行 | 19 | J3 | 16 | 招商银行 | 74 | 69 | 1 5 | | 中信银行 | 126 | 128 | V2 | 邮储银行 | 134 ...

个人消费贷款财政贴息政策实施期延长至2026年12月31日，调整后政策实施期为2025年9月1日至2026年 12月31日。 二、扩大支持范围 将信用卡账单分期业务纳入支持范围，年贴息比例为1个百分点；信用卡账单分期财政贴息政策实施期 为2026年1月1日至2026年12月31日。 三、拓展贴息领域 根据最新政策要求，取消5万元及以上消费领域限制。调整后，个人客户在政策实施期内使用中国民生 银行个人消费贷款进行的各领域消费，以及新发生的信用卡账单分期，由中国民生银行识别其真实性、 合规性后，可按规定享受贴息。 四、提高贴息标准 2026年1月21日，中国民生银行（600016）发布公告称，为深入贯彻落实党中央、国务院关于加力提振 消费、扩大内需的决策部署，持续降低居民个人消费信贷成本，提升居民消费意愿，中国民生银行认真 落实《关于优化实施个人消费贷款财政贴息政策有关事项的通知》（财金〔2026〕1号）文件要求，现 就优化实施个人消费贷款财政贴息政策的有关事项公告如下： 一、延长政策期限 自2026年1月1日起，取消单笔消费贴息金额上限500元的要求；取消每位个人客户在中国民生银行可享 受5万元以下累计消费贴息 ...

Core Insights - The aging population is increasingly becoming a focal point for society, leading to a growing emphasis on "elderly care" services [1] - Minsheng Bank's Dalian branch is actively innovating its service models to enhance "elderly finance" solutions [1] Group 1: Financing Solutions - Minsheng Bank Dalian branch launched the "Hive Plan" which includes tailored financing solutions for elderly care institutions, addressing their diverse funding needs such as daily operations, renovations, and new constructions [2][3] - The bank successfully provided a 1.8 million yuan loan to Songlang Nursing Home within a week, facilitating its operational and renovation needs [1] - A 5 million yuan credit loan was issued to Xinghua Garden Elderly Welfare Service Center to support its expansion and construction projects [2] Group 2: Collaboration and Impact - The Dalian branch collaborates with local government and associations to explore financing and comprehensive services for the elderly care sector [2] - The "Hive Plan" aims to enhance the efficiency of loan approvals and improve the quality of financial services for elderly care institutions [2] - By the end of 2025, the cumulative loan amount issued under the "Hive Plan" is expected to reach nearly 50 million yuan, demonstrating the bank's commitment to supporting the elderly care industry [3]

Core Viewpoint - JPMorgan expects Chinese bank stocks to achieve absolute price increases but may underperform the market by 2026 [1] Group 1: Ratings Changes - JPMorgan upgraded the rating of Minsheng Bank (01988) H-shares from "Neutral" to "Overweight" [1] - JPMorgan downgraded the rating of Agricultural Bank of China (01288) H-shares from "Overweight" to "Neutral" [1] Group 2: Market Predictions - JPMorgan anticipates approximately 110 trillion RMB in time deposits maturing by 2026, including around 7 trillion RMB in excess household savings, which could provide liquidity support to the capital market and boost market performance [1] - The bank expects a moderate improvement in revenue and profit growth for domestic banks in 2026, driven by a recovery in net interest income and wealth management fees [1] Group 3: Stock Preferences - Among high-dividend stocks, JPMorgan prefers Bank of Communications (601328.SH), Bank of China (03988), and China Construction Bank (00939) [1] - Banks such as Ningbo Bank (002142.SZ), Shanghai Pudong Development Bank (600000.SH), Industrial Bank (601166.SH), and China Merchants Bank (03968)(600036.SH) are seen as having good growth potential [1] - JPMorgan predicts that growth-oriented stocks will outperform high-dividend stocks [1]

Core Insights - China Minsheng Bank has launched a dedicated "Parent-Child Zone" on its mobile banking platform, aimed at enhancing financial services for families with children, integrating various financial products and educational resources [1][2][3] Group 1: Product Offerings - The "Parent-Child Zone" features a comprehensive product rights system under the "Minsheng Tongxing" brand, including children's accounts, wealth management tools, exclusive financial products, and non-financial benefits such as birthday gifts and financial literacy classes [1][2] - The core module, "Wealth Manager," provides age-appropriate services for children, allowing parents to manage accounts and guide children in financial planning and management [4][5] Group 2: Educational Integration - The initiative emphasizes the integration of financial services with educational support, aiming to foster financial literacy and responsible money management among children [2][5] - The platform includes features like "Baby Tasks," which encourage children to engage in household chores and learning activities, reinforcing the concepts of labor, reward, and financial planning [5][6] Group 3: Community Engagement - Minsheng Bank is actively conducting various offline financial literacy and public welfare activities across the country, extending financial education beyond the digital realm [6][7] - The bank collaborates with enterprises and NGOs to provide experiential learning opportunities for children, helping them understand business operations and social responsibilities [6][7] Group 4: Future Developments - The launch of the "Parent-Child Zone" marks a significant upgrade in the "Minsheng Tongxing" service system, with plans to continuously introduce more financial products and educational programs tailored to family needs [7] - The bank aims to create a seamless integration of online services and offline activities, enhancing the overall value of its parent-child financial services [7]

Core Viewpoint - Qixin Group has won a bid to provide digital procurement services for China Minsheng Bank, indicating a significant partnership in the financial services sector [1] Group 1: Company Overview - Qixin Group (002301) has been awarded a procurement project by China Minsheng Bank [1] - The project involves providing a one-stop digital procurement service for general materials [1] Group 2: Industry Implications - The partnership highlights the growing trend of digitalization in procurement processes within the banking industry [1] - This move may enhance operational efficiency and cost-effectiveness for China Minsheng Bank [1]