登录新浪财经APP 搜索【信披】查看更多考评等级 12月13日，中国金融学会绿色金融专业委员会在北京召开《可持续金融共同分类目录（CGT）》专家组第五次会议。会议围绕CGT从2022版向2024版的切换 安排、多边可持续金融共同分类目录（MCGT）的使用定位、贴标机制优化以及银行端产品纳入等议题进行了交流。来自中国人民银行研究局、中国外汇交 易中心、上海证券交易所、商业银行、资产管理机构、第三方机构、研究机构及国际金融机构等20余名代表参会。 图：部分参会人员合影 会上，专家组组长、外汇交易中心徐苏江介绍了专家组今年以来的工作进展，包括CGT贴标在绿色债券市场中的应用情况，以及围绕CGT逐步形成的投资工 具和市场实践。截至11月末，专家组已评估并发布29个批次的CGT贴标绿色债券清单。在约490只贴标债券中，尚有288只处于存续期，发行规模约3300亿元 人民币。非金融机构在发行阶段主动寻求CGT贴标的比例，已从初期约10%显著提升至10月的92%。基于已贴标的CGT债券，目前已有多家机构推出相关投 资工具和产品。 会议还就银行在推动CGT市场发展中的作用进行了交流。摩根资产管理（中国）和中国邮储银行代表分享 ...

Core Viewpoint - The consumption market in China is experiencing significant growth, driven by a combination of policy guidance, financial empowerment, and market collaboration, solidifying consumption's role as a stabilizing force for economic growth [1] Group 1: Policy Framework - By 2025, China's consumption promotion policy framework has evolved from broad stimulation to precise support, establishing a comprehensive policy structure that includes top-level design and collaborative guarantees [2] - The core policies introduced in March 2025 focus on a "fiscal + financial" incentive mechanism, including key measures such as interest subsidies for personal and business consumption loans [2] - The People's Bank of China has allocated 500 billion yuan for service consumption and pension refinancing, providing low-cost funding for key sectors [2] Group 2: Local Initiatives - Local governments are implementing supportive measures tailored to regional consumption characteristics, with cities like Beijing enhancing financial support in sectors such as cultural tourism and new energy vehicles [3] - The collaboration between central and local policies has clarified the direction for financial support in promoting consumption, providing clear guidance for commercial banks [3] Group 3: Market Impact - The policies have led to a notable increase in social retail sales, with consumption contributing more significantly to economic growth, particularly in the service sector [3] - The scale of consumer credit has shown robust growth, boosting market confidence and playing a crucial role in stabilizing the economy [3] Group 4: Financial Tools and Innovations - The 500 billion yuan refinancing policy has been effectively implemented, with commercial banks actively responding to the call, ensuring that financial resources are directed to the consumption sector [4][5] - Financial institutions are innovating various credit products to support local cultural tourism and pension service upgrades, effectively reducing financing burdens for related enterprises [4][5] Group 5: Future Outlook - Looking ahead to 2026, the policy direction is clear, focusing on enhancing domestic demand and optimizing the implementation of new policies to unlock service consumption potential [6] - Financial support for consumption will increasingly target resident income growth, service consumption upgrades, and the cultivation of new consumption patterns [6][7] - Financial institutions are advised to innovate products, enhance service coverage, and leverage technology to optimize service processes and risk management [7]

Core Viewpoint - The introduction of local subsidy policies for personal consumption loans marks a significant extension of national policies, creating a collaborative framework of "national subsidies + local subsidies" to stimulate consumer spending [1][2] Group 1: Policy Implementation - Local governments in Sichuan, Guizhou, and Chongqing have begun implementing subsidy policies, allowing regional banks to participate in the consumption loan subsidy program [1] - Chongqing's policy emphasizes broad coverage and a long execution period of one year, with a maximum subsidy of 3000 yuan; Sichuan focuses on short-term, precise stimulation with a maximum of 1500 yuan; Guizhou aligns with national standards, also offering a maximum of 3000 yuan but with a shorter execution period [1] Group 2: Impact on Regional Banks - The local subsidy policy enhances the competitiveness of regional banks in the consumer credit market, activating regional consumption potential and lowering financing costs for price-sensitive consumers [2] - Regional banks, such as Chengdu Bank, view the fiscal subsidy as a means to lower the interest rate threshold for consumer credit and optimize retail business structures [2] Group 3: Challenges and Risk Management - There are concerns about the sustainability of customer retention post-subsidy, emphasizing the need for regional banks to improve digital operations and integrated financial services [3] - A robust risk control mechanism has been established to ensure accurate allocation of fiscal funds and prevent arbitrage, including automatic identification of genuine consumption flows and manual audits for large or unusual transactions [3] Group 4: Broader Market Implications - The influx of local policies is expected to create a structural impact on the national consumer finance market, leading to a cumulative effect that lowers overall consumer credit interest rates and stimulates demand [4] - The optimization of the market structure will provide regional banks with essential competitive tools, preventing excessive market share concentration and encouraging financial services to adapt to regional characteristics [4]

Core Viewpoint - The issuance of technology innovation bonds by banks has significantly increased since the announcement by the central bank and the China Securities Regulatory Commission on May 7, with a total issuance scale reaching 301.4 billion yuan by December 18, 2023 [1][2]. Issuance Scale - A total of 67 banks have issued 75 technology innovation bonds, with state-owned banks being the primary issuers, accounting for 38.16% of the total issuance [1][3]. - The six major state-owned banks have collectively issued bonds worth 115 billion yuan, while city commercial banks and rural commercial banks have issued 74.9 billion yuan and 15 billion yuan, respectively [1][5]. - The issuance period is mainly concentrated in 5-year bonds, followed by 3-year bonds, with a small number of 6-month and 7-year bonds [1][9]. Interest Rates - The interest rates for the issued bonds range from 1.67% to 2.07%, with state-owned banks having slightly lower rates between 1.65% and 1.81% [1][7]. - City commercial banks and rural commercial banks have higher rates, with many exceeding 1.8% [1][9]. - The policy banks have rates of 1.4% for the National Development Bank and 1.65% for the Agricultural Development Bank [1][7]. Fund Allocation - The funds raised from technology innovation bonds are directed towards technology innovation sectors, including issuing loans for technology and investing in technology innovation enterprises [6].

今年以来，中国银行业掀起了一场深刻的公司治理架构调整浪潮。 12月16日，邮储银行发布公告，近日收到金监总局相关批复，该行自公司章程修订获核准生 效之日起，不再设立监事会，由董事会审计委员会依法行使监事会相关职权，监事会相关制 度同时废止。在此之前，工商银行、农业银行、中国银行、建设银行及交通银行五家国有大 行均已完成相关工作。除了国有大行，近期另有多家商业银行已完成或正在推进监事会撤销 工作，包括华夏银行、浙商银行、渝农商行、北京银行、宁波银行、南京银行等。 从国有大行到股份行，再到城、农商行，随着愈来愈多的商业银行加入，运行近30年的监事 会制度正逐步淡出银行业公司治理舞台。那么，当监事会正式退出后，谁来继续承担监督职 能？原监事会成员又将如何安置？ 邮储银行不再设立监事会， 六大行监事会全部撤销 12月16日，邮储银行发布公告称，该行于今年10月9日召开的2025年第二次临时股东大会审 议批准了《关于修订<中国邮政储蓄银行股份有限公司章程>的议案》和《关于中国邮政储 蓄银行不再设立监事会的议案》。近日，该行收到《国家金融监督管理总局关于邮储银行修 改公司章程的批复》，自公司章程修订获核准生效之日起，不再 ...

12月18日晚间，四川路桥（600039）发布公告称，中邮保险于2025年12月17日通过二级市场买入股票的方式增持公司11.43万股，占公司总股本的 0.0013%。增持后，中邮保险持有四川路桥4.35亿股，占公司总股本的5.00%。此次权益变动不触及要约收购，且不会导致公司控股股东、实际控制人发生 变化。 业绩表现或为险资举牌原因之一 据披露，对于此次变动，中邮保险是基于自身发展投资需求和支持上市公司持续健康发展的规划安排进行长期投资。 公开信息显示，四川路桥主要从事工程建设、矿业及新材料、清洁能源等产业的投资、开发、建设和运营业务。工程建设板块，业务覆盖公路、铁路、市 政、房建、港航等"大土木"领域，具备投融资、设计、建设、运营、养护全产业链一体化发展能力。 今年以来，四川路桥整体业绩表现良好。财报显示，今年前三季度，四川路桥实现营收732.81亿元，同比增长1.95%；归母净利润53.00亿元，同比增长 11.04%；单三季度归母净利润25.20亿元，同比增长59.72%。 公司半年报披露，报告期内，其发布2024年度利润分配方案，现金分红32.84亿元，2024年度累计分红金额占当年归属于上市公司股 ...

Core Viewpoint - The Beijing Branch of Postal Savings Bank is actively integrating into the development of the Beijing Urban Sub-center, focusing on three main lines: regional construction, service for real economy development, and building a new ecosystem, thereby contributing to high-quality urban development [1][4]. Group 1: Strategic Positioning - The bank has completed its strategic relocation to the Beijing Urban Sub-center, becoming the first state-owned bank to establish a presence in the area, aligning with the national strategy of coordinated development in the Beijing-Tianjin-Hebei region [4]. - The bank benefits from the "one-stop service" provided by the management committee of the Canal Business District, which facilitates efficient business operations and resource connections [4]. Group 2: Financial Services and Innovations - The bank emphasizes "serving the sub-center and empowering new development," engaging in various practices in policy support, industrial collaboration, and green finance [5]. - It has established a financial ecosystem centered around the Beijing Postal Building, collaborating with organizations like the G20 Young Entrepreneurs Alliance and the Beijing Green Exchange [5]. - The bank has introduced innovative financial products, such as the "U Yi Calculation" platform, which uses computing power as collateral to support projects in the zero-carbon computing park [8]. Group 3: Green Finance Initiatives - The bank has developed a comprehensive green finance service system, with products like the "Carbon Reduction Loan," which links loan rates to carbon account ratings, incentivizing emissions reduction [9]. - It has allocated 1.01 billion yuan to support the renovation of green venues in the robotics industry park, achieving significant energy savings [9]. Group 4: Inclusive Finance - The bank has launched the "Xiao Wei Yi Loan" series, which streamlines the loan application process for small and micro enterprises, significantly reducing approval times [10]. - It has also implemented a "one town, one product" model to address funding issues for farmers, exemplified by the "Cherry Loan" [10]. Group 5: Digital Finance Development - The bank is leveraging digital finance to enhance service efficiency, having established the first Harmony ecosystem bank in the Beijing Urban Sub-center, which integrates smart devices for seamless operations [11][12]. - It has promoted cloud cabinet services, covering 99% of high-frequency transactions, facilitating convenient access for residents [12]. Group 6: Collaborative Ecosystem Building - The bank is focused on collaborative efforts to support major regional projects, such as the Beijing-Tianjin-Hebei Xinchuang Town project, which aims to enhance the functional capabilities of the urban sub-center [15][16]. - It has provided financing support for over 80 projects related to the coordinated development of Beijing-Tianjin-Hebei, with a loan balance exceeding 57 billion yuan [16]. Group 7: Future Outlook - The bank aims to deepen its integration into the Beijing Urban Sub-center, focusing on innovative sectors like hydrogen energy, biomedicine, and integrated circuits, to foster financial innovation and urban development [17].

在海南自由贸易港全岛封关运作 正式启动的历史性时刻 《海南自由贸易港》特种邮票 首发仪式于海口举行 在云洞图书馆门前草坪 这枚承载着时代印记的邮票正式揭幕 向世界展现了 中国特色自由贸易港的开放新图景 2025年12月18日 《海南自由贸易港》特种邮票正式揭幕 海南省委常委、宣传部部长王斌，国家邮政局普遍服务司司长涂刚，中国邮政集团有限公司邮政业务部副总经理曹建申，海南省委宣传部副部长陆海鹰， 海南省邮政管理局局长丰圣少，海口市委常委、宣传部部长华晓东，中国邮政集团有限公司海南省分公司总经理张延军，中国邮政储蓄银行海南省分行行 长高连媛，《海南自由贸易港》特种邮票设计师韩秉华等领导嘉宾，以及在活动现场的集邮爱好者、市民及游客共同见证了邮票的首发。 海南省委常委、宣传部部长王斌现场致辞 海南省委常委、宣传部部长王斌在致辞中表示，《海南自由贸易港》特种邮票以"国家名片"的形式，向世界生动展示中国最高水平开放形态的宏伟蓝图。 这枚特种邮票，见证了历史跨越，记录了自贸港建设新征程；这枚特种邮票，浓缩万千气象，展现了自贸港建设新风貌；这枚特种邮票，铭刻文化印章， 呈现了自贸港建设新活力。它向全世界传递出一个清晰信号：中 ...

2025年12月18日，海南自由贸易港正式启动全岛封关。在这 片生机勃发的热土上，邮储银行以专业、创新、开放的金融服 务，深度融入区域发展进程，积极响应当地政策导向与市场需 求。从推动跨境贸易便利化到支持旅游消费升级，从助力科创 企业成长到促进产业开放融合，邮储银行以多元化的金融产品 与服务，全面展现国有大行在自贸港建设中的责任与作为，成 为助推海南高质量发展的金融中坚力量。 作者：柏炎 封图：邮储银行 南海潮涌,自贸扬帆! 2025年12月18日,海南自由贸易港正式启 动全岛封关。金融机构锚定国家战略,依托自贸 港政策优势,以全方位、多层次的金融服务体系 精准赋能,为海南自贸港高质量发展注入强劲动 能。 - 中国邮政储蓄银行始终与海南片热土共赴开 放新程,以金融之力支持自贸港提质焕新,在封 关保障、产业升级、服务民生中写下浓墨重彩的 篇章。 I I HTTHH 资质先行 拿下"双试点"，铺平封美服务路 邮储银行率先拿下封关关键"双资 质",成为海南可提供全流程跨境金融服务 的国有大行,提前打通封关后企业"结算一 融资-避险"服务链路。 上十九州人川机二八三十九年加口十次 订 灯 小 欣 上 业 指 区 公 ...

专题：2025第9届"银华基金杯"新浪·理财师大赛 12月11日，第九届"银华基金杯"新浪理财师大赛全国总决赛在北京举行，随着总决赛的圆满落幕，个人赛及团队赛的冠、亚、季军诞生！ 今年全国总决赛，从比赛形式上有所升级，区别于往届，本次使用开放性命题，让选手有更多选择和方向，也同时考验选手的知识储备和现场应答能力。 个人赛分为 "理财开放麦"和"拜托了，理财师"两个环节。 "理财开放麦"环节，要求选手自拟理财话题，从亲身经历、宏观环境、自我观点等多角度出发， 讲述理财、投教相关内容。"拜托了，理财师"将现场抽取情景案例题目，根据理财需求给出理财建议。 团队赛分为"理财方案设计赛"和"巅峰辩论赛"两个环节。"理财方案设计赛"环节要求理财团队自拟一个目标人群和理财需求，为他制定一个理财方案， 不设 主题方向和产品。"巅峰辩论赛"则是10支团队就当下热点投资话题两两辩论。 最终，个人赛中，来自交通银行齐齐哈尔分行的怀迎吉获得全国冠军，中国邮政储蓄银行江西省分行的卢晓丽获得全国亚军，中国建设银行岳阳分行的王妍 和北京银行中关村分行的段江洋并列全国季军，来自北京银行上海分行的高聪聪、渤海银行北京分行的钱磊、中国建设银行河 ...