国有大行集体公告 日前，中国银行、工商银行、农业银行、建设银行和交通银行均公告宣布，其公司章程修订已获得国家金 融监督管理总局核准，并据此正式不再设立监事会，转由董事会下设的审计委员会承接原属监事会的法定 职责。 9月25日，中国银行、农业银行、工商银行、建设银行、交通银行均发布关于不再设立监事会的公告 称，公司章程修订已获监管核准，不再设立监事会。 日前，邮储银行发布关于召开2025年第二次临时股东大会的通知显示，将于10月9日上午召开的股东大会 上审议关于该行不再设立监事会的议案。 这意味着，六大国有行全部取消监事会。 具体来看，各家银行的改革步骤高度一致。中国银行、工商银行、农业银行、建设银行和交通银行均于 2025年6月27日召开的2024年度股东大会上，审议批准了关于修订公司章程以及不再设立监事会的相关 议案。各家银行表示，陆续于近日收到了国家金融监督管理总局同意章程修订的批复文件。 随着新章程获得监管核准，相关调整正式生效。中国银行、农业银行在章程核准之日起即不再设立监事 会；建设银行和交通银行则明确了具体的生效日期，分别为2025年9月23日和9月25日。改革的核心内容 是，原由监事会行使的、依 ...

Core Viewpoint - The company announced an extension of a loan repayment, indicating a strategic financial maneuver to manage debt obligations effectively [1] Group 1: Loan Details - The company’s subsidiary, Chongqing Yuezhiyu Real Estate Development Co., Ltd., has extended the principal balance of a 750 million yuan loan from Ping An Bank, with 265 million yuan remaining, to September 29, 2028 [1] - The extension reflects the company's ongoing efforts to manage its financial commitments and maintain liquidity [1] Group 2: Collateral and Guarantees - Chengdu Tianquan, a wholly-owned subsidiary, and Chongqing Yueqi, a controlling subsidiary, continue to provide collateral guarantees based on their respective 1% and 99% equity holdings in Chongqing Yuezhiyu [1] - Chongqing Yuezhiyu has provided counter-guarantees, ensuring that the financial obligations are secured [1] Group 3: Financial Position - The total amount of guarantees used by the company for its subsidiaries has reached 554.6 million yuan, leaving a remaining available guarantee limit of 19.4454 billion yuan [1] - The company currently has no overdue or litigated guarantees, indicating a stable financial position [1]

南方财经9月26日电，深圳金融监管局批复信息显示，核准曹慰平安银行股份有限公司信用卡中心总经 理的任职资格。履历显示，此前曹慰曾任招商银行信用卡中心副总经理。（21世纪经济报道） ...

Group 1 - Local small and medium-sized banks are continuously lowering deposit interest rates, with some banks announcing reductions of up to 35 basis points [1][2] - The recent trend of lowering deposit rates is a response to the pressure on net interest margins and follows similar actions taken by larger national banks earlier this year [2][3] - Retail deposit outflows have been significant, prompting banks to focus on wealth management strategies to mitigate the negative impact of declining deposits [1][4] Group 2 - The downward pressure on deposit rates is expected to continue, and banks need to diversify their products and services to enhance competitiveness [3] - Retail deposit growth has slowed for several banks, indicating increased pressure on retail liabilities [5][6] - Specific banks, such as China Merchants Bank and Ping An Bank, have reported significant declines in retail deposit growth compared to the previous year [6][7] Group 3 - In response to declining retail deposits, banks are expanding their wealth management offerings, with a focus on cash management and investment products [8] - The recent bull market in capital markets has led to increased sales of equity funds and other investment products by banks [8] - The "fixed income plus" products are seen as a new avenue for banks to attract deposits in a low-interest-rate environment [8]

Core Viewpoint - Since September, local small and medium-sized banks have been continuously lowering deposit interest rates to alleviate net interest margin pressure and follow the trend set by larger banks [1][4]. Summary by Sections Deposit Rate Adjustments - On September 25, several banks in Henan, including Luoyang Rural Commercial Bank, announced reductions in RMB deposit rates, with the highest cut reaching 35 basis points [2][4]. - The new rates for fixed-term deposits at Luoyang Rural Commercial Bank are now 0.75% for three months, 1.00% for six months, 1.30% for one year, and 1.35% for two years, reflecting a decrease of 15 basis points for the shorter terms and 35 basis points for the longer terms [4]. Retail Deposit Trends - There has been a noticeable outflow of retail deposits, with many customers opting for wealth management products that offer better returns compared to traditional deposits [2][6]. - Retail deposit growth has significantly slowed for several banks, with major banks like China Merchants Bank and Ping An Bank experiencing declines in growth rates compared to the previous year [8][9]. Wealth Management Strategies - In response to the decline in retail deposits, banks are focusing on expanding their wealth management services, with a notable increase in the sales of public fund products [10]. - The shift towards cash management products is driven by their relatively low risk and better returns compared to traditional fixed-term deposits [10]. Market Dynamics - The current low deposit rates have led many depositors to transfer their funds into various asset management products, indicating a shift in investment behavior among customers [7][10]. - The trend of "deposit migration" is becoming a significant factor for banks, with large state-owned banks emerging as key players in absorbing these funds [10].

北京商报讯（记者 孟凡霞 周义力）9月26日，深圳金融监管局发布《关于曹慰平安银行信用卡中心总经 理任职资格的批复》，核准曹慰担任平安银行信用卡中心总经理的任职资格。 ...

证券之星消息，9月26日股份制银行板块较上一交易日下跌0.07%，浦发银行领跌。当日上证指数报收于 3828.11，下跌0.65%。深证成指报收于13209.0，下跌1.76%。股份制银行板块个股涨跌见下表： | 代码 | 名称 | 主力净流入(元) | 主力净占比 游资净流入(元) | | 游资净占比 散户净流入 (元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 000001 | 平安银行 | 6933.69万 | 8.09% | -7657.04万 | -8.94% | 723.36万 | 0.84% | | 600000 | | 6153.32万 | 6.00% | -6166.38万 | -6.02% | 13.07万 | 0.01% | | 601998 中信银行 | | 5780.13万 | 15.29% | -3097.05万 | -8.19% | --2683.08万 | -7.10% | | 601818 光大银行 | | 1714.71万 | 1.98% | -2670.62万 | -3.08% | 95 ...

9月23日，由上海市人工智能行业协会指导、平安银行（000001）上海分行等机构协办的"AI赋能低空经 济 共探智能融合新未来"主题论坛在浦东张江模力社区成功举办。本次活动汇聚了低空经济与人工智能 领域的70余家代表性企业、行业专家及金融机构代表，围绕AI与低空经济的融合路径、基础设施构建 与金融支持机制展开深入探讨。 作为本次论坛唯一的协办金融机构，平安银行上海分行在推动产业与金融融合方面展现出积极姿态。平 安银行上海分行公司业务管理部负责人王春旭受邀出席，并在主题发言中系统阐述了平安银行在服务科 创企业、赋能新兴产业发展方面的战略布局与实践成果。 聚焦科创企业全生命周期，平安银行推出多元化金融支持体系 王春旭表示，面对低空经济、人工智能等新兴技术驱动型产业，平安银行已构建覆盖企业全生命周期的 金融服务方案，包括初创期信用贷款、成长期供应链金融、成熟期跨境并购支持等综合化产品体系。他 指出，低空经济作为国家战略性新兴产业，具有技术密集、资本密集、周期较长的特点，银行机构需 以"三大心态"深度融入产业发展： 一是以"细致务实"的心态夯实产业基础服务，聚焦企业从研发到商业化各阶段的融资需求，积极参与低 空基础设 ...

Core Insights - The article discusses the cross-regional development of listed companies in China from 2000 to 2024, focusing on the impact of local chambers of commerce on corporate expansion [1][2]. Data Overview - The study encompasses 5,700 enterprises and over 68,000 samples, providing original data, calculation codes, and final results for verification [2]. - The methodology is based on the number of newly established subsidiaries in different regions as a measure of corporate development [1]. Methodology - The research utilizes data from the CSMA database and company annual reports, focusing on subsidiaries where the parent company holds more than 50% ownership [1]. - New subsidiaries are defined as those that the parent company owns in the current year but did not exist in the previous year, ensuring the analysis reflects recent developments [1]. Reference and Validation - The findings are supported by references to previous studies, particularly by Cao Chunfang and Jia Fansheng, which provide a theoretical framework for understanding the relationship between local chambers of commerce and corporate growth [2].

Core Viewpoint - Since September, local small and medium-sized banks have been continuously lowering deposit interest rates to alleviate net interest margin pressure and follow the lead of larger banks [1][3]. Group 1: Deposit Rate Adjustments - On September 25, several banks in Henan, including Luoyang Rural Commercial Bank, announced reductions in RMB deposit rates, with the highest cut reaching 35 basis points [2][3]. - The new rates for fixed-term deposits at Luoyang Rural Commercial Bank are now 0.75% for three months, 1.00% for six months, 1.30% for one year, and 1.35% for two years, reflecting a reduction of 15 basis points [3]. - Other banks, such as Jieyang Rural Commercial Bank and Shanghai Huarui Bank, have also lowered rates across various deposit products, indicating a broader trend among local banks to adjust rates following national banks [3]. Group 2: Retail Deposit Trends - There is a noticeable outflow of retail deposits as customers shift to investment products with higher returns, such as cash management and fixed-income bank wealth management products, which offer annual yields of 2% to 3% [2][5]. - Retail deposit growth has significantly slowed, with banks facing challenges in attracting new customers and retaining existing deposits [5][6]. - Data shows that major banks like China Merchants Bank and Ping An Bank experienced a decline in retail deposit growth rates in the first half of 2025 compared to the same period in 2024, with decreases of 3.43 and 3.73 percentage points, respectively [8]. Group 3: Wealth Management Strategies - In response to declining retail deposits, banks are focusing on expanding their wealth management services, leveraging the recent bullish trends in capital markets [9][10]. - Wealth management products, particularly those linked to equity funds, are becoming key revenue drivers for banks as they seek to retain customer assets [9]. - The "fixed income plus" product category is seen as a new pathway for banks to attract deposits in a low-interest-rate environment, highlighting the need for diversified investment options [10].