智通财经记者 | 张晓云 华夏恒业"飞单"案有了新进展。 智通财经记者独家获悉，12月16日，北京三中院二审就该"飞单"一起诉讼案，判决民生银行承担20%赔偿责任。该判决与中投万通理财 "飞单"案一起诉讼判 决一致且相关。 此前于2022年，民生银行北京分行西站支行员工丁某乐，向11名客户售卖中投万通理财 "飞单"，一审被判非法吸收公众存款罪，获刑4年，涉案金额达9000 万元。 在丁某被刑事定罪后，部分投资者相继起诉银行索赔。今年9月，智通财经独家报道了一起生效案例判决民生银行承担20%赔偿责任。 值得关注的是，两起"飞单"案，其中中投万通理财 "飞单"案已刑事立案，但华夏恒业理财"飞单"事件未被刑事立案，共同点是，均涉及民生银行丁某乐。 华夏恒业理财"飞单"产品管理人为华夏恒业投资基金管理（北京）有限公司（下称华夏恒业），上述丁某乐不仅卖了中投万通理财"飞单"，还卖了华夏恒 业"飞单"。因华夏恒业"飞单"未被刑事立案，目前不清楚该"飞单"事件中民生银行牵涉总金额。 法院二审判决20%赔偿 智通财经获得的该案二审判决书显示，2013年8月22日，张某与北京恒业鼎瑞投资中心（有限合伙）（下称"恒业鼎瑞中心"） ...

Core Viewpoint - China Minsheng Bank, as the first national joint-stock commercial bank initiated by private enterprises, has consistently focused on supporting the private economy as its core strategy since its establishment 29 years ago. The bank is actively enhancing its services to private enterprises in the Guangdong-Hong Kong-Macao Greater Bay Area, aiming to facilitate high-quality financial development [1]. Group 1: Service Development - The Guangzhou branch of China Minsheng Bank has established a comprehensive service matrix to address the financing challenges faced by small and micro enterprises, significantly improving the convenience of obtaining loans [2]. - The branch has conducted over 90 outreach activities to connect with nearly 80 private enterprises, facilitating financing needs and enhancing service foundations in manufacturing and quality small and micro enterprises [3]. Group 2: Financial Products and Support - The bank has developed a diverse product system targeting small and micro enterprises, including the "Minsheng Hui" series, which offers tailored financial services based on specific scenarios, aiming for precise financial support [4]. - As of November 30, the Guangzhou branch has served over 10,000 small micro customers through its Minsheng Hui services, demonstrating its commitment to providing comprehensive financial solutions [4]. Group 3: Technological Empowerment - The Guangzhou branch emphasizes technology as a key driver for enhancing financial services, integrating new technologies such as the internet, big data, and AI to improve service efficiency and reduce operational costs for clients [5]. - The bank has partnered with various SaaS platforms to provide integrated solutions for the restaurant industry, showcasing its innovative approach to financial service delivery [5]. Group 4: Focus on Key Sectors - The bank has issued over 60 billion yuan in preferential loans this year, benefiting more than 8,000 small micro clients, and has established specialized teams to support cross-border and technological innovation sectors [6]. - As of November, the loan balance in key sectors such as consumption recovery reached 8.878 billion yuan, indicating the bank's proactive role in stimulating market recovery [6]. Group 5: Future Commitment - Looking ahead, the Guangzhou branch of China Minsheng Bank will continue to leverage its private enterprise roots, focusing on customer needs and technological innovation to deepen its practice of inclusive finance, thereby contributing to the high-quality development of the Guangdong-Hong Kong-Macao Greater Bay Area [7].

Group 1 - The banking sector saw a slight increase of 0.12% on December 25, with Minsheng Bank leading the gains [1] - The Shanghai Composite Index closed at 3959.62, up 0.47%, while the Shenzhen Component Index closed at 13531.41, up 0.33% [1] - The trading volume for Minsheng Bank was 2.2674 million shares, with a transaction value of 873 million yuan [1] Group 2 - The net inflow of main funds in the banking sector was 122 million yuan, while retail funds experienced a net outflow of 69.36 million yuan [1] - The detailed fund flow for individual banks shows that Ping An Bank had a net inflow of 51.47 million yuan from main funds [2] - Industrial Bank experienced the highest net outflow from main funds at 70.30 million yuan [2]

新浪金融评测室综合用户体验、功能服务、性能安全、发展创新4大维度，327项细分指标对中国民生银 行手机银行App"民生银行"进行全扫描，最终给予81.300分（总分100）。 | | ■#x= ADD又符手机号管求、暴于机型支持面容、指纹、手势等快捷管家刀 式,仅可选择一种快捷方式。 | | --- | --- | | 鼎面体验 | App底边栏调整为"首页、资讯、财富、生活圈、我的"五大频道。具 体来看,"首页"自上而下分为"导航、头图、置顶功能、常用功能、消 | | | 息、热门活动+小应用(支持自定义)"。 | | | 常用功能键可否自定义 | | | M | | 操作体验 | 常用操作关联是否合理 | | | "常用功能"沿用十宫格模式,用户点击"全部"既可以查看/搜索全部应 | | | 用,可以自定义9个"我的应用"- 但与置顶功能排量仍不充分。 | | | 搜索互动体验 M | | 互动体验 | 客服互动体验 | | | 消息互动体验 | | | 互动体验也有提升,但消息体验仍不够完善,搜索、客服也可更进一步。 | | | App设有语音助手,支持客服中语音输入,上线了数字员工,暂不支 | | | ...

Core Viewpoint - The successful integration of the "AI Perception Prediction Model" as a data asset into financial statements marks a significant milestone in the financialization of data assets, facilitating a pioneering data asset pledge financing of 30 million yuan in the AI sector in Shandong Province [1][2][5][6] Group 1: Data Asset Evaluation and Integration - The company established a dual evaluation mechanism for data asset quality and value, ensuring comprehensive assessment through compliance checks, quality testing, model performance evaluation, and application scenario validation [3] - The "AI Perception Prediction Model" was incorporated into the financial statements as an intangible asset, enhancing the diversity of the company's asset structure and providing a compliant basis for future financing [4] Group 2: Financing Innovation - The financing model innovatively uses AI model data assets as collateral, breaking away from traditional financing methods that rely on physical assets or credit guarantees, thus exploring a deep integration of data elements and financial capital [5][7] - The 30 million yuan loan represents the first instance of data asset pledge financing in the AI field within Shandong Province, signifying a critical transition of data assets from "resources" to "capital" [5][6] Group 3: Impact and Future Directions - The case serves as a "new district sample" for national data element market-oriented configuration reform, effectively promoting the capitalization, assetization, and financialization of data elements [6][7] - The funds obtained from this pledge financing will be utilized to enhance data infrastructure and analytical capabilities, further driving the monetization and appreciation of the company's data assets [5]

Core Viewpoint - Minsheng Bank has been committed to serving the public and supporting the local economy in Guangdong for 29 years, focusing on high-quality financial development through innovative products and services [1] Group 1: Inclusive Finance - Minsheng Bank's Guangzhou branch prioritizes inclusive finance, addressing financing challenges for small and micro enterprises and individual businesses with innovative products [2] - The branch developed an online supply chain product "Xinrong E," which has provided over 1.1 billion yuan in loans to more than 100 inclusive suppliers [2] - The "Minsheng Fast Loan" project, launched in 2025, has approved loans exceeding 60 million yuan for 38 dealers, enhancing the financial ecosystem for the real economy [2] Group 2: Technological Empowerment - The Guangzhou branch leverages technology to enhance financial services, transitioning from traditional to intelligent solutions [3] - The self-developed "Cloud Strategy" digital operating analysis platform has improved decision-making efficiency and service capabilities for customer managers [3] - The branch has introduced user-friendly banking solutions for elderly customers, including a simplified mobile banking interface and upgraded physical branches with senior-friendly features [3] Group 3: Community Welfare - Minsheng Bank emphasizes customer-centric service, implementing accessibility improvements in branches to better serve elderly clients [4] - The bank conducts community outreach, including financial fraud prevention seminars and home service initiatives for those with mobility challenges [4] - The branch has served nearly 2,500 individuals through community service points, providing essential services like social security card processing [4] Group 4: Green Finance - The Guangzhou branch focuses on green finance, supporting infrastructure and low-carbon industry development [5] - A strategic partnership with Guangzhou Metro Group has resulted in 4.2 billion yuan in green working capital loans for urban transportation projects [5] - The bank aims to expand its green finance product offerings to support the transition of related industries towards sustainability [5] Group 5: Social Responsibility - Minsheng Bank actively engages in social responsibility initiatives, contributing to rural revitalization and community support [6][7] - In 2025, the bank allocated 1 million yuan for targeted assistance in Henan, alongside additional funding for local infrastructure and industry development [7] - The bank has donated nearly 700,000 yuan to support rural revitalization efforts in Guangdong, promoting shared prosperity [7]

Core Viewpoint - Minsheng Bank announced that there was a withdrawal of investment by investors in the "25 Huaguang Environmental MTN005 (Sci-Tech Bond)" one hour before the subscription ended, specifically by Zhejiang Yin Wealth Management [1] Group 1 - The scale of the bond was 50 million yuan, with a subscription rate of 1.77% [1] - The withdrawal occurred at 17:58:59 [1]

Core Viewpoint - The opening of two new branches of China Minsheng Bank in Changsha marks a significant step in the integration of "finance + consumption" in Central China, highlighting a new phase of collaboration with Sam's Club [1][3]. Group 1: Financial and Consumer Integration - The collaboration between China Minsheng Bank and Sam's Club aims to create a "finance + life" service ecosystem, responding to national policies aimed at boosting consumption and optimizing the business environment [3]. - In 2024, the two entities plan to launch co-branded credit and debit cards, focusing on customer daily consumption needs and establishing a specialized service system [3]. - Currently, nearly 1.3 million customers nationwide have been served by the Minsheng Bank Sam's Club co-branded card, with 55,000 customers in the Changsha area [3]. Group 2: Community Service and Customer Experience - The opening day of the new branches saw a high volume of local residents seeking banking services, with positive feedback on the convenience of banking while shopping [3][4]. - Customers expressed appreciation for the one-stop service that combines shopping and financial advice, making financial products more accessible and relevant to their daily lives [3]. - The new branches enable customers to handle various high-frequency banking tasks within the Sam's Club locations, promoting the idea of "financial needs within the community" [4]. Group 3: Economic Development and Community Engagement - China Minsheng Bank has been committed to enhancing retail financial services in Hunan for 17 years, with the new branches representing a strategic move to deepen community financial engagement [4]. - The co-branded card offers exclusive benefits to customers, and the bank plans to continue community outreach through financial education and consumer rights protection initiatives [4]. - The bank aims to innovate its financial service models and improve service quality, contributing to the high-quality development of the local economy [4].

民生银行12月19日大宗交易平台共发生4笔成交，合计成交量1.56亿股，成交金额5.82亿元。成交价格均 为3.73元，相对今日收盘价折价4.60%。 进一步统计，近3个月内该股累计发生17笔大宗交易，合计成交金额为33.54亿元。 证券时报·数据宝统计显示，民生银行今日收盘价为3.91元，下跌0.51%，日换手率为0.82%，成交额为 11.32亿元，全天主力资金净流出1.36亿元，近5日该股累计上涨0.26%，近5日资金合计净流出2648.48万 元。 两融数据显示，该股最新融资余额为71.21亿元，近5日增加2739.61万元，增幅为0.39%。 据天眼查APP显示，中国民生银行股份有限公司成立于1996年02月07日，注册资本4378241.8502万人民 币。（数据宝） 12月19日民生银行大宗交易一览 | 成交量 | 成交金额 | 成交价 | 相对当日收盘 | | | | --- | --- | --- | --- | --- | --- | | （万 | （万元） | 格 | 折溢价（%） | 买方营业部 | 卖方营业部 | | 股） | | （元） | | | | | 5391.32 | 20 ...

第3笔成交价格为3.73元，成交4,079.43万股，成交金额15,216.29万元，溢价率为-4.60%，买方营业部为 瑞银证券有限责任公司上海花园石桥路证券营业部，卖方营业部为中信证券股份有限公司北京复外大街 证券营业部。 第4笔成交价格为3.73元，成交1,626.38万股，成交金额6,066.41万元，溢价率为-4.60%，买方营业部为 瑞银证券有限责任公司上海花园石桥路证券营业部，卖方营业部为中信证券股份有限公司北京复外大街 证券营业部。 炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ 12月19日，民生银行收跌0.51%，收盘价为3.91元，发生4笔大宗交易，合计成交量1.56亿股，成交金额 5.82亿元。 第1笔成交价格为3.73元，成交5,391.32万股，成交金额20,109.63万元，溢价率为-4.60%，买方营业部为 瑞银证券有限责任公司上海花园石桥路证券营业部，卖方营业部为中信证券股份有限公司北京复外大街 证券营业部。 第2笔成交价格为3.73元，成交4,492.77万股，成交金额16,758.03万元，溢价率为-4.60%，买方营业部为 瑞银证券有限责任公司 ...