截至2025年12月22日收盘，邮储银行（01658）报收于5.25元，较前一交易日下跌0.94%，该股当日开盘 5.33元，最高5.33元，最低5.24元，成交额达1.16亿元。近52周最高5.95元，最低4.23元。 近日，中国邮政储蓄银行股份有限公司召开2025年第三次临时股东会，会议表决通过了2025年度中期利 润分配方案。根据公告，公司将向全体普通股股东派发现金股利每10股人民币1.230元（含税），合计 派发现金红利人民币147.72亿元。A股股利预计于2026年1月12日派发，H股股利于2026年2月13日派 发。H股股东可选择以人民币或港币收取股利，选择权截止时间为2026年1月28日，未作选择者将默认 以港币收取。针对H股股东，公司将于派息时依法代扣代缴相应所得税，税率依据相关税收协定执行。 通过港股通投资的内地个人投资者及证券投资基金按20%税率代扣所得税。 《截至2025年6月30日止六个月中期股息(更新)》 《2025年第三次临时股东会表决结果公告》 最新公告列表 以上内容为证券之星据公开信息整理，由AI算法生成（网信算备310104345710301240019号），不构成 投资建议 ...

原标题：清算总中心召开数字供应链金融服务平台2025年度运行会议 来源：央行清算 2025年12月19日，中国人民银行清算总中心组织召开数字供应链金融服务平台（以下简称平台）2025年 度运行会议。本次会议通过线上形式召开。中国人民银行支付结算司和清算总中心的有关负责同志出席 会议并讲话，中国支付清算协会、中国互联网金融协会、成方金科、成方金信以及180余家金融机构代 表近300人参加本次会议。 会议通报了2025年平台运行情况，介绍了下一年度工作计划。会议强调，平台要持续提升行业数字化水 平，通过数字化手段进一步加强风险控制能力，持续强化对中小微企业的金融支持。支付结算司有关同 志充分肯定了平台取得的成绩，指出平台各方应坚守合规安全底线，筑牢行业稳健发展根基，坚持统筹 发展和安全，在业务发展的同时加强风险防控。 会议还向一年来在平台建设和推广方面做出重要贡献的参与者表达了感谢。如，工商银行、农业银行、 中国银行、建设银行、浙商银行、宁波银行、平安银行、光大银行等积极推动平台各类业务健康发展； 招商银行、中信银行、邮储银行、交通银行、江苏银行、重庆富民银行、无锡锡商银行、常熟农商银 行、浙江农商联合银行等在电 ...

Core Viewpoint - The banking sector is tightening regulations on personal precious metals trading, with multiple banks enhancing management of their agency services for the Shanghai Gold Exchange since December 2023 [1][3]. Group 1: Recent Bank Announcements - Industrial and Commercial Bank of China (ICBC) announced that starting December 19, it will transfer the balances of margin accounts with no positions, inventory, or debts to the clients' settlement accounts and close related business functions [1]. - China Construction Bank (CCB) stated that from December 15, it will also transfer similar account balances and automatically close related business functions [1]. - Other banks, including Agricultural Bank of China, Postal Savings Bank, Everbright Bank, Citic Bank, and Ningbo Bank, have made similar announcements regarding the management of personal precious metals trading [3]. Group 2: Business Adjustments and Historical Context - The adjustments primarily target existing accounts, with banks having previously restricted new account openings and other operational changes since 2022 [4]. - The adjustments are seen as a continuation of a trend that began in July 2022, where major banks halted new account openings for leveraged derivative products related to precious metals trading [4]. - The recent changes are also linked to significant fluctuations in precious metal prices, with gold prices rising by 60% and silver prices increasing by over 120% this year [4]. Group 3: Market Implications and Investor Guidance - The adjustments aim to encourage investors to recognize the risks associated with market volatility and to shift from short-term speculation to long-term investment strategies [5]. - Banks have raised the thresholds for accumulating gold and issued market risk warnings, advising investors to enhance their risk awareness and manage their positions prudently [5].

Group 1: Core Views - The People's Bank of China is issuing the 2026 New Year commemorative banknotes and coins starting from December 22, 2023, including one banknote, one dual-color copper alloy coin, one gold coin, and one silver coin, all of which are legal tender in the People's Republic of China [1]. Group 2: Commemorative Banknote - The front design of the commemorative banknote features a horse motif, the national emblem, the words "People's Bank of China," and the character "马" (horse) in seal script, along with a holographic number "20" and the Chinese characters for "twenty yuan" [3]. - The back of the banknote depicts children celebrating with drums, complemented by Mongolian decorative patterns, and includes the year "2026," the bank's name in multiple ethnic languages, and a holographic design [5]. - The banknote has a face value of 20 yuan, dimensions of 145mm by 70mm, is made of plastic, and has an issuance quantity of 100 million pieces, including 20,000 for historical archives [7]. Group 3: Dual-Color Copper Alloy Coin - The front of the dual-color copper alloy coin features the words "People's Bank of China" and "10 yuan," along with the year "2026" and a floral pattern [9]. - The back design combines traditional Chinese paper-cut art with decorative elements, showcasing a horse motif [9]. - The coin has a face value of 10 yuan, a diameter of 27mm, is made of dual-color copper alloy, and has an issuance quantity of 100 million pieces, including 10,000 for historical archives [12]. Group 4: Gold and Silver Commemorative Coins - The People's Bank of China is officially issuing a set of gold and silver commemorative coins for 2026, which includes a 1-gram round gold coin and an 8-gram diamond-shaped silver coin, both featuring traditional auspicious patterns on the front [15]. - The back of the 1-gram gold coin features a design of the character "福" (fortune) and a pouch, with a face value of 10 yuan, a diameter of 10mm, and a maximum issuance of 150,000 pieces [16]. - The back of the 8-gram silver coin features a design of the character "福" and a scene of dancing fish lanterns, with a face value of 3 yuan, a side length of 23mm, and a maximum issuance of 1,000,000 pieces [20]. Group 5: Distribution Channels - The dual-color copper alloy coin and commemorative banknote can be reserved for exchange on January 13 and 14, 2026, through designated banks, including major Chinese banks [12]. - Each individual can only reserve one of each item during the exchange period [12].

Core Insights - The article emphasizes the importance of data asset management as a strategic necessity for companies to leverage data as a core asset for growth and innovation in the evolving digital economy [1][18]. Group 1: Data Value Transformation - The 8.0 version of the guide outlines a three-stage transformation of data value: resourceization, assetization, and capitalization, providing a clear path for companies to follow [2][28]. - Resourceization focuses on ensuring data quality, security, and availability, which are prerequisites for value release [2][28]. - Assetization aims to make data's value visible and measurable through activities like registration, valuation, and internal/external circulation [2][28]. - Capitalization allows data to be treated as a stable asset, enabling innovative financing methods such as pledging for loans and securitization [2][28]. Group 2: Practical Implementation Paths - The guide identifies four core paths for companies to realize data value: digitalization of industries, digital management, digital productization, and ecosystem collaboration [4][5]. - It provides tailored strategies for different types of companies, including value operation-focused firms, transaction innovation-driven companies, compliance-driven enterprises, and foundational management-focused organizations [5][6][7]. Group 3: Future Trends - The report anticipates five key trends in data asset management: integration of AI in data management, real-time decision-making through digital twins, establishment of precise value measurement frameworks, expansion of knowledge management, and active participation in data market ecosystems [9][10][11][12][13]. Group 4: Target Audience - The guide is designed for various stakeholders, including CEOs and CDOs for strategic direction, data department heads for optimizing management systems, business managers for understanding data's role in innovation, and finance/legal personnel for compliance challenges [14][15][16][17].

Core Insights - The article emphasizes the transformation of the Chinese banking industry driven by digital technology and artificial intelligence, marking a critical turning point for banks to shift from quantitative accumulation to qualitative breakthroughs [1] - The launch of Postal Savings Bank's mobile banking 11.0 signifies a transition from a functional tool to an intelligent partner, showcasing the bank's commitment to a comprehensive digital ecosystem with its "AI2ALL" strategy [3][4] Digital Transformation - Postal Savings Bank's mobile banking 11.0 integrates AI deeply into the customer journey, transforming traditional interactions into a conversational service model [4] - The app features a "one-stop" search experience and a "dialogue as service" approach, enhancing user convenience and making complex financial operations more intuitive [4][5] - The bank aims to create a financial service ecosystem that merges finance with daily life, enhancing user engagement through personalized services [5] User Experience and Security - The mobile banking 11.0 introduces a dual protection mechanism called "Friends + Bank," integrating social trust into security measures to enhance transaction safety [5] - New features include voice verification for identity confirmation and expanded family financial services, allowing shared product purchases among close contacts [5] Recognition and Performance - Postal Savings Bank's continuous investment in user experience has been recognized, with its mobile banking app ranking first in user experience for three consecutive years according to CFCA's report [6] AI and Ecosystem Development - The "AI2ALL" digital ecosystem aims to integrate AI capabilities across all banking operations, focusing on enhancing customer experience and operational efficiency [7][8] - The strategy includes nearly 260 AI application scenarios, promoting a comprehensive integration of AI in management and customer service [8] Internal Efficiency and External Service - The "AI2ALL" initiative enhances internal processes from front to back office, improving marketing precision and risk management efficiency [8][9] - The bank has developed a new human-machine collaboration system for customer service, significantly improving service efficiency and response times [9] Technological Foundation - Postal Savings Bank has made substantial investments in data, computing power, and algorithms, establishing a robust foundation for its AI capabilities [10] - The bank's strategy includes building a comprehensive data architecture and enhancing its AI computing resources, demonstrating a commitment to sustainable transformation [10]

Core Viewpoint - The People's Bank of China has begun issuing the 2026 New Year commemorative banknotes and coins, which include one banknote, one bimetallic coin, one gold coin, and one silver coin, all recognized as legal tender in the People's Republic of China [1][15]. Commemorative Banknote - The front design of the banknote features a horse motif, the national emblem, the words "People's Bank of China," and the character "马" (horse) in seal script, along with a holographic denomination of "20" and the Chinese characters for "twenty yuan" [2][15]. - The back of the banknote showcases a celebratory scene with children and traditional Mongolian decorative patterns, including the denomination "20" and the year "2026" [4][17]. - The banknote has a face value of 20 yuan, dimensions of 145mm by 70mm, is made of plastic, and has a total issuance of 100 million pieces (including 20,000 for historical archives) [6][19]. Bimetallic Commemorative Coin - The front of the bimetallic coin displays "People's Bank of China," the denomination "10 yuan," and the year "2026," with a floral pattern as the background [6][19]. - The reverse side features a horse design inspired by traditional Chinese paper-cutting art, complemented by lanterns and daylily patterns, with the inscription "丙午" [9][19]. - The bimetallic coin has a face value of 10 yuan, a diameter of 27mm, is made of bimetallic material, and has an issuance of 100 million pieces (including 10,000 for historical archives) [9][22]. Gold and Silver Commemorative Coins - The People's Bank of China has officially issued a set of gold and silver commemorative coins, which includes a 1-gram round gold coin and an 8-gram diamond-shaped silver coin, both featuring traditional auspicious patterns on the front [11][24]. - The back of the 1-gram gold coin features a design of the character "福" (fortune) and a pouch, with a face value of 10 yuan, a diameter of 10mm, and a maximum issuance of 150,000 pieces [13][26]. - The back of the 8-gram silver coin features a design of the character "福" and a scene of dancing fish lanterns, with a face value of 3 yuan, a side length of 23mm, and a maximum issuance of 1,000,000 pieces [13][26]. Distribution Channels - The bimetallic commemorative coin and banknote can be reserved for exchange on January 13 and 14, 2026, through designated banks, including major Chinese banks [9][22]. - Each individual can only reserve one of each item, and reservations can be made online or at specified bank locations [22][23].

Core Viewpoint - The People's Bank of China is issuing the 2026 New Year commemorative coins and banknotes, which include a copper alloy coin, a banknote, a gold coin, and a silver coin, all recognized as legal tender in the People's Republic of China [1] Group 1: Commemorative Coin and Banknote Details - The copper alloy commemorative coin features "People's Bank of China" and "10 Yuan" on the front, with a design combining traditional Chinese paper-cut art and decorative elements on the back [1] - The commemorative banknote has a main design of a horse, with the national emblem and denomination details, and features celebratory patterns on the back [1] Group 2: Issuance and Distribution - The issuance includes 100 million pieces of the copper alloy commemorative coin and 100 million pieces of the banknote [2] - Major banks, including Industrial and Commercial Bank of China and Agricultural Bank of China, will handle the reservation and exchange of the commemorative coin and banknote from January 13 to 14, 2026 [2] Group 3: Gold and Silver Coin Designs - The gold and silver commemorative coins feature traditional auspicious patterns on the front, with specific designs on the back: the gold coin has a "Fu" character and a pouch design, while the silver coin features a "Fu" character and a dancing fish lantern scene [2]

Core Viewpoint - The "Jinggangshan" regional public brand is transforming the agricultural landscape in Ji'an, Jiangxi, by integrating resources and financial support, leading to improved product quality and market competitiveness [1][2]. Group 1: Brand Development - The establishment of the "Jinggangshan" brand has shifted local agriculture from fragmented practices to a unified branding approach, enhancing product standards and market presence [2]. - The brand has helped local farmers increase their income significantly, with reports of earning several thousand more annually after joining the brand [2]. Group 2: Financial Support - The introduction of green finance policies has provided crucial funding for agricultural projects, with a total financing demand of 221.42 billion yuan identified, resulting in 116.44 billion yuan in credit approvals for 20 enterprises [3]. - Innovative financial products like "Jinong e-loan" and "Wuchicken loan" have been developed to support local agricultural enterprises, facilitating nearly 3 billion yuan in loans to brand-authorized companies [3][4]. Group 3: Challenges and Solutions - Despite progress, challenges such as brand misuse and low processing rates persist, prompting the establishment of strict brand management and quality assurance systems [5]. - The local government has implemented a "double strict" mechanism to ensure compliance with brand standards and has developed 138 group standards covering various agricultural products [5]. Group 4: Sales and Market Expansion - The brand's market presence has expanded significantly, with e-commerce sales reaching 32.8 billion yuan in 2024 and a total sales revenue of 130.78 billion yuan, marking a 75.8% increase year-on-year [6]. - The establishment of flagship stores and partnerships with major retailers has enhanced the visibility and sales of "Jinggangshan" products [6]. Group 5: Future Outlook - The local government is focusing on digital agriculture and financial service innovations to further enhance the brand's growth and market reach [7]. - Plans to promote green finance and support for agricultural transformation are set to continue, aiming to integrate more low-cost funding into the agricultural sector [8].

2025年11月，普惠金融-景气指数达49.36点，较10月下降0.03点，高于去年同期0.51点。融资端成本稳 中有降，金融扶持政策精准有效，信贷结构持续优化；经营端市场下行压力缓和，小微企业发展韧性增 强，经济增长内生动力稳步提升。 图1 普惠金融-景气指数结果 融资景气度温和回升 分维度来看，11月，融资景气度指数为54.83点，较10月上升0.14点。企业融资成本维持在历史低位，11 月，企业新发放贷款(本外币)加权平均利率约为3.1%，比上年同期低约30个基点。贷款规模保持合理增 长，信贷结构持续优化。中国人民银行数据显示，截至11月末，普惠小微贷款余额、制造业中长期贷款 余额同比增速分别达到11.4%、7.7%，均高于同期其他各项贷款增速。 图2 分维度-融资景气度指数结果 图3 分维度-经营景气度指数结果 行业景气度：九大行业4升5降 分行业来看，11月，九大行业经营景气度指数呈4升5降的趋势。阶段性消费热潮拉动效应凸显，线上促 销与线下零售联动刺激了批发零售需求。年末基建项目加快施工进度，政策推动建筑活动边际回暖，建 筑业和房地产业经营景气度指数微升。行业技术创新带动信息服务业需求增长。农林牧 ...