非執行董事 998 董事名單及彼等角色及職能 中信銀行股份有限公司（「本行」）第七屆董事會（「董事會」）成員如下： 執行董事 方合英 （董事長） 蘆葦 （行長） 胡罡 魏強 王彥康 付亞民 獨立非執行董事 廖子彬 周伯文 王化成 宋芳秀 - 1 - - 2 - 董事會現有五個委員會。下表提供第七屆董事會成員所屬委員會的委員資料。 | | 戰略與 可持續發展 | 風險管理 | | 關聯交易 | 提名與薪酬 | 消費者權益 | | --- | --- | --- | --- | --- | --- | --- | | 董事╱董事會委員會 | 委員會 | 委員會 | 審計委員會 | 控制委員會 | 委員會 | 保護委員會 | | 方合英 | | | | | | | | （董事長，執行董事） | C | | | | | | | 蘆葦 | | | | | | | | （執行董事，行長） | M | C | | | | | | 胡罡 | | | | | | | | （執行董事） | | M | | | | | | 魏強 | | | | | | | | （非執行董事） | M | | | | | | | 王彥康 | | | ...

中信銀行股份有限公司章程 （根據2025年12月16日國家金融監督管理總局金覆〔2025〕725號文修訂並生效） | 第一章 | 總則 | 3 | | --- | --- | --- | | 第二章 | 經營宗旨和範圍 | 4 | | 第三章 | 股份 | 6 | | 第一節 | 股份發行 | 6 | | 第二節 | 股份增減和回購 | 7 | | 第三節 | 股份轉讓 | 10 | | 第四節 | 優先股的特別規定 | 11 | | 第四章 | 黨組織（黨委） | 13 | | 第五章 | 股東和股東會 | 14 | | 第一節 | 股東的一般規定 | 14 | | 第二節 | 控股股東和實際控制人 | 20 | | 第三節 | 股東會的一般規定 | 22 | | 第四節 | 股東會決議 | 29 | | 第六章 | 董事和董事會 | 34 | | 第一節 | 董事 | 34 | | 第二節 | 獨立董事 | 38 | | 第三節 | 董事會 | 45 | | 第四節 | 董事會專門委員會 | 52 | | 第五節 | 董事會秘書 | 53 | | 第七章 | 行長和其他高級管理人員 | 54 | | 第八 ...

于股东大会同时审议通过了《关于不再设置监事会的议案》。股东大会同意不再设立监事会，自公司章 程核准日起监事会依法撤销。 格隆汇12月18日丨中信银行(00998.HK)公告，近日，收到《国家金融监督管理总局关于中信银行修改公 司章程的批覆》(金覆[2025]725号)，国家金融监督管理总局已核准修改后的公司章程。公司章程自2025 年12月16日起生效，修订后的《中信银行股份有限公司股东会议事规则》和《中信银行股份有限公司董 事会议事规则》同时生效。 ...

Core Viewpoint - Recent adjustments in the banking sector have led to a tightening of precious metals business, coinciding with a near return of international gold prices to previous highs, indicating a shift in risk management strategies by banks [2][5]. Group 1: Price Movements - London gold spot prices reached a high of $4,350 per ounce, just shy of the historical peak of $4,381 per ounce [2]. - Silver prices have surged, with recent highs reaching $66.8 per ounce, reflecting a year-to-date increase of 128% [5]. - Platinum futures on NYMEX surpassed $1,995 per ounce, with a year-to-date increase of 118%, significantly outpacing gold's growth [5]. Group 2: Banking Adjustments - Banks are increasingly tightening their management of personal precious metals accounts, including the termination of agency relationships for long-standing inactive accounts [2][3]. - Major banks, including Industrial and Commercial Bank of China and China Construction Bank, have announced plans to transfer balances from inactive accounts and close related business functionalities [3]. - The adjustments are part of a broader trend that began in March 2020, following the "oil treasure" incident, leading to a gradual withdrawal from high-risk leveraged products [5]. Group 3: Risk Management - Banks are enhancing risk management measures for precious metals investments, including raising risk ratings for accumulation gold products to medium risk and restricting conservative clients from participation [4]. - The tightening measures include limiting new account openings and increasing the minimum investment amounts for existing clients [6]. - Regulatory scrutiny over commodity and precious metals trading products is expected to intensify, reflecting a cautious approach by banks in response to market volatility [5].

北京商报讯（记者 宋亦桐）12月18日，据国家金融监督管理总局四川监管局公布的一则行政处罚信息 公开表显示，中信银行（601998）成都分行因"对相关信贷业务、贸易融资业务、票据业务、投资业 务、收费管理不审慎等"主要违法违规行为，被罚款230万元。 国家金融监督管理总局四川监管局同时对中信银行成都东湖支行、宜宾分行、达州分行及泸州分行等4 家分支机构罚款合计250万元。 另外，相关责任人员邵海东、王轶俊、罗劲松、孙锐、李强等5人被警告并罚款合计35万元。 ...

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的內容概不負責，對其 準確性或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容 而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 - 1 - 不再設立監事會 本行於股東大會同時審議通過了《關於不再設置監事會的議案》。股東大會同意不再設立 監事會，自公司章程核准之日起本行監事會依法撤銷。鑒於公司章程現已獲核准生效， 自2025年12月16日起，按照公司章程規定，本行不再設置監事會，由董事會審計委員會 行使《中華人民共和國公司法》和監管制度規定的監事會職權，《中信銀行股份有限公司監 事會議事規則》、監事會議題管理辦法、監事會下設各專門委員會相關議事規則等監事會 相關公司治理制度同時廢止。魏國斌先生、孫祁祥女士、李蓉女士、程普升先生、張純 先生及曾玉芳女士不再擔任本行監事，並確認與本行無不同意見，亦無任何其他事項需 知會本行股東及債權人，無任何針對本行的正在發生或將要發生的訴訟和爭議。 本行全體監事在任期間，忠實勤勉、恪盡職守，強化重點領域監督，積極提升監督質 效，在完善監事會監督體系，促進本行穩健經營，維護本行、股東、員工和社會等各方 ...

Core Viewpoint - Recent tightening of banks' precious metals business coincides with a near return of international gold prices to previous highs, indicating a shift in risk management strategies within the banking sector [1][5]. Group 1: Price Movements - London gold spot prices reached a peak of $4,350 per ounce, just shy of the historical high of $4,381 per ounce [1]. - Gold prices have seen a cumulative increase of approximately 65% in the year, while silver and platinum have experienced even greater rises, with silver up 128% and platinum up 118% [6]. Group 2: Bank Policy Changes - Banks are increasingly tightening their policies on personal precious metals accounts, including the termination of agency relationships for long-term inactive accounts [1][3]. - Major banks like Industrial and Commercial Bank of China and China Construction Bank have announced plans to transfer balances from inactive accounts and close related business functions starting in December [3][4]. - The tightening measures began as early as March 2020, following the "oil treasure" incident, leading to a gradual withdrawal from high-risk leveraged products [5]. Group 3: Risk Management - Banks are enhancing risk management for precious metals investments by raising entry thresholds and risk ratings for various products, including increasing the minimum investment amounts and requiring additional risk assessments for investors [5][6]. - The adjustments also include a shift in risk ratings for accumulation gold products, which will be classified as medium risk, restricting conservative clients from participating [4]. Group 4: Regulatory Environment - The regulatory environment for commodity and precious metals trading is expected to become stricter, reflecting ongoing concerns about risk management in the banking sector [7].

Core Viewpoint - The article discusses the recent trend of banks, particularly in Zhejiang, ceasing the issuance of co-branded credit cards, indicating a shift in the credit card business from expansion to cost reduction and structural optimization [2][3][4]. Group 1: Recent Developments - Zhejiang Rural Commercial Bank announced the discontinuation of the "Harvest JD Co-branded Card" across multiple rural banks [1][3]. - A wave of credit card discontinuations has been observed, with various banks, including state-owned and joint-stock banks, halting the issuance of several co-branded credit cards [4][5]. - The trend of ceasing co-branded cards has been ongoing, with major banks like Agricultural Bank and Ping An Bank previously stopping numerous themed cards [4][5]. Group 2: Market Dynamics - The adjustments in credit card offerings are driven by economic slowdown and weak consumer expectations, leading to underperformance in card issuance and stagnant consumption growth [5]. - Banks are now focusing on high-value, high-loyalty consumption scenarios rather than blindly expanding their partnership networks [5]. Group 3: Channel and Product Adjustments - Banks are undergoing a "decluttering" process in both product offerings and distribution channels, with a focus on integrating online and offline services [6][8]. - Many banks are closing down offline credit card centers and merging credit card operations into retail banking departments to reduce management costs and enhance efficiency [6][7]. Group 4: Performance Metrics - The credit card industry is experiencing a decline, with the total number of credit cards in circulation dropping to 707 million, a decrease of 20 million from the previous year, marking the third consecutive year of decline [9][10]. - Over 70% of listed banks reported a reduction in credit card loan balances by mid-2025, indicating a significant contraction in the credit card business [10]. - For instance, China Merchants Bank reported a credit card transaction volume of 2.02 trillion yuan in the first half of 2025, down 8.54% year-on-year [10].

近日，中信银行收到《国家金融监督管理总局关于中信银行修改公司章程的批复》，修订后的《中信银 行股份有限公司章程》已获核准生效。自2025年12月16日起，该行不再设置监事会，由董事会审计委员 会行使《中华人民共和国公司法》和监管制度规定的监事会职权，《中信银行股份有限公司监事会议事 规则》、监事会议题管理办法、监事会下设各专门委员会相关议事规则等监事会相关公司治理制度同时 废止。魏国斌、孙祁祥、李蓉、程普升、张纯、曾玉芳不再担任该行监事。 北京商报讯（记者 孟凡霞 周义力）12月18日，中信银行发布公告，该行于2025年8月26日召开的2025年 第二次临时股东大会、2025年第三次A股类别股东会及2025年第三次H股类别股东会审议通过了《关于 不再设置监事会的议案》和《关于修订中信银行<公司章程><股东大会议事规则>和<董事会议事规则> 的议案》。 ...

Core Viewpoint - The self-regulatory investigation announced by the Interbank Market Dealers Association highlights ongoing violations in the bond underwriting process, indicating that non-compliant practices still exist in project solicitation, due diligence, and issuance sales [1][4]. Group 1: Regulatory Actions - On December 16, the Dealers Association initiated a self-regulatory investigation against a bank for alleged violations of fairness and diligence principles during debt financing tool underwriting [1]. - As of December 18, there have been 19 cases of bond underwriting violations or self-regulatory investigations disclosed by the Dealers Association and exchanges this year [4]. - The Dealers Association has been increasingly using self-regulatory investigations as a standard regulatory measure in the bond market [4]. Group 2: Market Dynamics - The bond underwriting market has seen intensified competition among underwriting institutions due to the expansion of the credit bond market and the diversification of issuers [4]. - There are notable differences in market strategies between securities firms and banks in the bond underwriting sector, with banks having advantages in interest rate bonds and interbank bonds [4]. - The prevalence of low-price underwriting, underwriting fees below cost, and self-financing behaviors are significant issues in the current bond underwriting landscape [5][7]. Group 3: Compliance and Future Outlook - The Dealers Association has strengthened supervision of underwriting business processes since 2023, with new regulations targeting low-price underwriting and other market irregularities set to be released by June 2025 [7][8]. - Institutions that are rated as D-class for two consecutive years will lose their main underwriting qualifications, reflecting the increasing regulatory scrutiny on underwriting capabilities [8]. - The number of institutions signing the self-regulatory convention has increased to 168, indicating a growing focus on compliance and market reputation among bond underwriting institutions [8].