封面新闻记者 周洪攀 如何破解科技型企业长期面临的"融资难、贷款慢"发展瓶颈难题？ 12月23日下午，绵阳科技城新区通过政府、银行、担保、企业四方联动，推出"天府科 金汇"金融创新产品，为科技创新企业搭建起一个"输血供氧"的一站式服务平台。 活动现场 会上，一系列直面科创企业轻资产、高风险、长周期特点的金融"工具箱"集中亮相。绵阳新兴融资担保有限责任公司对"兴绵-科创贷"的产品模式与风险 分担机制进行了深入解读；工商银行、邮储银行等金融机构发布了各具特色的政银担合作产品；中国银行则针对科技成果转化关键环节，推出了"中试 贷"专项产品；此外，天使中试基金的推介，进一步完善了覆盖"研发-中试-产业化"全链条的金融服务体系。这些产品共同构成了一个多层次、广覆盖的融 资支撑网络，为企业不同成长阶段提供精准"加油包"。 活动现场 据悉，如何破解科技型企业长期面临的"融资难、贷款慢"发展瓶颈难题，对于正处于创新发展关键期的科技型企业而言，此次大会无疑是一场"及时雨"。 它通过"政府搭台、担保增信、金融助力、企业唱戏"的协同模式，有效促进了金融资源与科创需求的精准匹配，助力新区乃至全市结出更丰硕的创新之 果。 活动现场 将 ...

智通财经记者 | 杨志锦 智通财经编辑 | 王姝 今年国有大行负债压力有所缓解，这从同业存单使用率（余额/备案额度）上可管窥一斑。 智通财经记者根据同花顺ifind数据统计显示，截至12月23日，六大行同业存单余额合计6.85万亿，使用率为64.3%。而在去年末，国有大行因为额度不够 用，在去年12月还上调了同业存单备案额度。 据智通财经记者采访了解，国有大行负债压力缓解主要由以下几个因素驱动：资金流向股市，形成大行非银存款；央行通过中期借贷便利（MLF）、买断 式逆回购等工具进行流动性投放力度加大等。 从个体来看，国有大行中，农业银行（601288.SH）同业存单使用率最高，邮储银行（601658.SH）最低。从全行业来看，招商银行（600036.SH）同业存单 使用率最低，仅为1.9%。 | 智 | | --- | 一般到年末，一些国股行同业存单备案额度使用率会达到90%甚至更高，个别年度也出现过额度发满、年末调增额度的情况，其中尤以2024年最为典型。 2024年，受"手工补息"整改、非银同业存款利率优化等政策影响，国有大行负债压力较大，建设银行（601939.SH）、中国银行（601988.SH）、农 ...

【导读】芦苇任中国邮政集团有限公司副总经理、党组成员 芦苇履新，正式官宣！ 12月23日，中国邮政官网显示，中国邮政集团有限公司领导人员调整。 | | | | | | | 将于青岛体育官网分别网 | | 集团工会及直属单位 × | | 各地部改 Y | English | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 中国邮政 | | 直页 | 关于我们 新闻中心 | 党建时空 | 产品服务 | 社会责任 | 企业文化 | | 输入搜索关键字 | | 搜索 | | 新闻中心 | | | | | | | | | | | | | izi | 时政要闻 | | 中国邮政集团有限公司领导人员调整 | | | | | | | | | | | 集团要闻 | | 2025-12-23 来源:中国邮政网 | | | | | | | | | | 비 | 综合新闻 | | 12月23日，中国邮政集团有限公司召开党组会议，宣布了中共中央组织部关于芦苇、刘建军同志的职务任免决定：芦 苇同志任中国邮政集团有限公司副总经理、党组成员 ...

Core Viewpoint - The trend of integrating credit card services into main banking apps is accelerating as banks face slowing user growth and rising customer acquisition costs, leading to the closure of independent credit card apps [2][3][6] Group 1: Bank Actions - Postal Savings Bank of China announced the gradual cessation of updates to its "Postal Savings Credit Card App," migrating functions to the "Postal Savings Bank App" [3] - China Bank was the first major state-owned bank to close its independent credit card app, integrating services into the "China Bank App" [3] - Several smaller banks, including Jiangxi Bank and Beijing Rural Commercial Bank, have also shut down or integrated their credit card apps into main mobile banking platforms [4] Group 2: Market Dynamics - The credit card industry has shifted from rapid expansion to a phase of stock competition, with growth in card issuance slowing and some banks experiencing declines in card volume [6] - The operational costs of maintaining independent credit card apps have become unsustainable due to overlapping functionalities and the need for continuous updates and security measures [6][7] Group 3: User Experience and Regulatory Influence - Users prefer a unified app experience, as managing multiple apps for different services leads to a fragmented service experience [7] - Regulatory guidance has emphasized the need for banks to optimize or terminate underperforming apps, supporting the trend towards app consolidation [7] Group 4: Future Trends - The integration of credit card services into main apps is seen as an upgrade in service delivery rather than a reduction in credit card offerings [8] - Future banking strategies will focus on enhancing user experience through data-driven personalized services and integrating financial services with everyday life [8][9] - Banks are expected to face challenges in technology integration and user adaptation during this transition, necessitating investments in IT infrastructure and security [8]

18万亿零售大行， 或将再迎来 一位股份行背景的新任行长！ 12月23日晚，中国邮政集团有限公司（下称"中国邮政集团"）公告，集团召开党组会议，宣布中共中央组织部 的任免决定：芦苇任中国邮政集团副总经理、党组成员，免去刘建军的中国邮政集团副总经理、党组成员职 务。 据了解，刘建军已出任邮储银行党委书记、行长职位近4年半，目前已年满60岁。 现年54岁的芦苇是中信银行"老将"，在该行任职达26年，其间曾调任中信信托。此次加入邮储银行，距离其重 返中信银行仅过去10个月。今年8月，芦苇在中信银行业绩说明会上曾表态，该行已摒弃规模情结，更专注于 效益和质量并重的增长。 1997年1月，芦苇加入中信银行，历任总行计划财务部(现财务会计部)副总经理、总经理，资产负债部总经 理，香港分行筹备组副组长，中信银行董事会秘书，深圳分行党委书记、行长；2020年10月任中信银行党委委 员，2021年4月任中信银行副行长。 2022年10月，因工作调整，芦苇辞任中信银行副行长，同时赴任中信信托，2023年3月起任中信信托总经理， 2024年5月升任中信信托董事长。 今年2月，芦苇回归中信银行，接任行长职位，中信银行原行长刘成则赴任 ...

Group 1 - The People's Bank of China has implemented a one-time credit repair policy to assist individuals in restoring their credit, allowing for the removal of overdue information for amounts not exceeding 10,000 yuan if debts are repaid by March 31, 2026 [2][7] - The A-share market has seen a significant increase, with major indices rising collectively, and the Shanghai Composite Index increasing by 0.69%, with a total market turnover of 1.88 trillion yuan, indicating a developing trend for the upcoming cross-year and spring market [2][7] - The precious metals market is experiencing a surge, with gold prices reaching $4,420.47 per ounce, marking a year-to-date increase of 68.05%, and silver prices also hitting historical highs, driven by expectations of interest rate cuts and geopolitical tensions [2][7] Group 2 - Kuaishou has faced automated attacks leading to the suspension of multiple live streams due to inappropriate content, prompting the platform to take immediate action and report to authorities [3][8] - Major state-owned banks have adjusted their medium- and long-term deposit products, with three-year product rates dropping to 1.5% - 1.75%, as a response to challenges in net interest margins, which may guide funds towards capital markets [3][8] - The legal situation surrounding the "Xiangyuan system" has escalated, with the actual controller being taken into criminal custody, while companies involved claim normal operations and unchanged control [3][8] Group 3 - The Nanjing Museum's management of cultural relics has come under scrutiny, leading to investigations by multiple departments, including the establishment of a working group by the National Cultural Heritage Administration [4][9] - Investor Dan Bin has shifted focus from liquor to AI, suggesting that investing in technology stocks like Google is more favorable, as he perceives challenges in the liquor sector's growth [4][10] - The recent closure policy in Hainan has stimulated consumer spending, with significant increases in sales at duty-free shops, including an 85% year-on-year growth in Sanya's duty-free city [4][10]

Core Viewpoint - The central bank is strengthening its guidance on deposit and loan interest rates to prevent excessive competition among market institutions, which could further lower effective market rates and enhance the effectiveness of monetary policy [1][41]. Group 1: Interest Rate Trends - Consumer loan products with interest rates below 3% are nearly extinct, and 5-year large-denomination certificates of deposit with rates above 1.55% are also disappearing [1][41]. - The lower limit for corporate loan rates is approximately 2.1%-2.2%, aligning closely with the after-tax adjusted yield of government bonds of the same maturity, while the lower limit for retail loan rates, including mortgages, is around 3% [3][53]. - The average weighted interest rate for new corporate loans and personal housing loans is around 3.1%, which is historically low [48][55]. Group 2: Monetary Policy and Economic Context - The central bank emphasizes maintaining a reasonable interest rate relationship, considering it one of the five key interest rate relationships that require attention [4][44]. - The overall interest rate level in China is at a historical low, with the central bank's policy rate at 1.4% and the 1-year and 5-year Loan Prime Rates (LPR) at 3% and 3.5%, respectively [9][48]. - The central economic work conference indicates that the monetary policy will continue to implement a moderately loose stance, with potential for slight rate cuts in the first half of 2026 [10][49]. Group 3: Banking Sector Dynamics - The net interest margin of commercial banks has been under pressure, declining from over 2% to around 1.42% as of the third quarter of 2025, which is a historical low [18][56]. - Banks are facing challenges in maintaining a sustainable net interest margin due to intense competition and the phenomenon of "involution" in the lending market [20][22]. - Recent reports indicate that banks are stabilizing their loan rates, with some banks encouraging slight increases in loan rates as part of their key performance indicators [55][56]. Group 4: Regulatory Actions and Market Reactions - The central bank has taken measures to prevent irrational downward pressure on loan rates, including discouraging banks from issuing loans at rates below the yield of government bonds [16][54]. - The "反内卷" (anti-involution) initiative aims to address the rapid decline in loan rates while ensuring that deposit rates do not fall excessively [3][15]. - The market is observing a shift in the pricing strategies of banks, with a focus on improving market pricing capabilities and stabilizing asset yields [24][56].

Core Viewpoint - The article discusses the trend of banks, particularly state-owned banks, integrating credit card services into their main banking apps, leading to the shutdown of independent credit card apps due to rising operational costs and changing user preferences [3][5][6]. Group 1: Bank Actions - Postal Savings Bank of China announced the gradual cessation of its independent credit card app, integrating its functions into the main Postal Savings Bank app, ensuring that customer services remain unaffected [5][6]. - China Bank was the first major state-owned bank to close its independent credit card app, merging its services into the "China Bank App" [6]. - Several smaller banks have also shut down or integrated their credit card apps into their main banking platforms, indicating a broader trend across the banking sector [6][7]. Group 2: Market Environment - The credit card industry has shifted from rapid expansion to a phase of stock competition, with growth in credit card issuance slowing down and some banks experiencing a decline in card numbers [6][7]. - The operational costs of maintaining independent credit card apps have become unsustainable compared to the value they provide, leading to their closure [7]. Group 3: User Experience and Regulatory Influence - Users have faced challenges with multiple apps, leading to a demand for a unified platform that enhances service experience and reduces the need for frequent app switching [7][8]. - Regulatory guidance has encouraged banks to optimize or terminate underperforming apps, further supporting the trend of app integration [8]. Group 4: Future Trends - The integration of credit card services into main banking apps is seen as an upgrade in service delivery, focusing on better user experience and operational efficiency [8][9]. - Future banking strategies may include expanding functionalities in main apps, such as wealth management and enhanced security features, to increase user engagement [9].

Core Insights - The 14th Annual Financial Industry Evaluation event was successfully held in Guangzhou, focusing on the theme "Innovative Services Benefit the Public, Financial Empowerment Starts Anew" [2] - The event aimed to showcase exemplary practices in product innovation and service upgrades among financial institutions by 2025, awarding five major categories including "New Service New Momentum Pioneer Cases" and "New Wealth New Investment Pioneer Awards" [2] Banking Sector: Activating New Growth Momentum - The "New Service New Momentum Pioneer Cases" award specifically recognized banking institutions that adhere to the essence of financial services for the real economy, expanding service breadth, depth, and precision [3] - A total of 14 cases won this award, featuring both national and regional banks, including major players like China Merchants Bank and Ningbo Bank, as well as local branches [5] - The awarded cases highlighted innovative practices that meet the needs of the real economy, such as digital transformation and supply chain finance, demonstrating the banking sector's commitment to supporting economic growth [5] Capital Markets: Restructuring the Wealth Ecosystem - The event introduced the "New Wealth New Investment Pioneer Cases" award to reflect the ongoing transformation in capital markets towards enhancing investor returns and strengthening services for the real economy [6] - Notable examples from securities, fund, and wealth management institutions included innovative practices in investment advisory and diversified asset allocation strategies in a low-interest-rate environment [8] Insurance Sector: Strengthening New Social Security - The insurance industry plays a fundamental role in improving livelihoods and maintaining social equity, with awards for "New Value New Protection Pioneer Cases" and "New Service New Consumer Protection Exemplary Cases" focusing on innovation in insurance products and services [9] - Award-winning cases included initiatives targeting specific demographics such as women and the elderly, showcasing the industry's responsiveness to social needs and commitment to consumer protection [11] Consumer Finance: Digital Intelligence Breaking New Ground - The introduction of the "New Digital Intelligence New Scenarios Pioneer Cases" award aimed to highlight the transformation in the consumer finance sector through technological innovation and practical applications [12] - Winning cases demonstrated the use of technology for risk management and service enhancement, with examples of localized services for small businesses and AI-driven customer support [14] Overall Significance - The Annual Financial Industry Evaluation serves as a significant platform for dialogue between the public and financial institutions, reflecting the industry's commitment to responsibility and mission [15] - Over the past 14 years, the event has evolved to document the financial sector's development and its service to the real economy, continuing to play a leading role in promoting high-quality growth [15]

今日下午，智通财经记者从多位知情人士处确认，芦苇在履行相应程序后，将接替即将退休的邮储银行 行长刘建军。 芦苇调任后，谁将接替他出任中信银行行长？多位知情人士透露，目前尚未有确定人选。智通财经记者 联系中信银行相关人士，对方亦表示，"谁来接替芦苇行长的职务暂未有最新消息。" 智通财经12月23日讯（记者 彭科峰）连日来，市场有消息称，中信银行行长芦苇将会进一步获得重 用，前往其他机构任职。 12月23日下午，中国邮政集团发布消息称，芦苇同志任中国邮政集团有限公司副总经理、党组成员，免 去刘建军同志的中国邮政集团有限公司副总经理、党组成员职务。相关职务任免按有关法律规定办理。 对于芦苇，中信银行内部人士评价称，虽然任职行长的时间较短，但"年轻有为"，是"实干家"。 现任邮储银行行长刘建军，1965年出生，曾获东北财经大学经济学硕士学位，高级经济师。曾任中国建 设银行山东省分行潍坊分行副行长、济南分行副行长、德州分行行长，招商银行济南分行副行长，招商 银行总行零售银行部总经理、零售综合管理部总经理、总行业务总监兼零售金融总部常务副总裁、信用 卡中心理事长，招商银行执行董事、副行长、董事会秘书等职务。4年多前，刘建 ...