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。 ( 在中華人民共和國註冊成立之股份有限公司 ) (股份代號: 2328) 海外監管公告 本公告乃根據《香港聯合交易所有限公司證券上市規則》第 13.10B 條作出。 茲載列本公司《二零二五年度信息披露報告》如下，僅供參閱。 承董事會命 中國人民財產保險股份有限公司 畢欣 董事會秘書 中國北京，2026 年 3 月 26 日 於 本 公 告 日 ， 本 公 司 董 事 長 為 丁 向 群 女 士 （ 非 執 行 董 事 ） ， 執 行 董 事 為 張 道 明 先 生 、 降 彩 石 先 生 及 胡 偉 先 生 ， 職 工 董 事 為 李 玲 女 士 （ 非 執 行 董 事 ） ， 獨 立 董 事 為 程 鳳 朝 先 生、魏晨陽先生、李偉斌先生、曲小波先生及薛爽女士 ...

Core Viewpoint - The article highlights the need for improvement in financial services based on a survey conducted to understand consumer experiences and demands, particularly focusing on transparency, marketing practices, and personal information security [1][2]. Group 1: Consumer Concerns - Financial consumers express dissatisfaction with the transparency of information disclosure, with nearly half indicating that financial institution staff often do not provide comprehensive information unless prompted [1]. - There is a significant concern regarding marketing practices, with nearly 30% of consumers reporting frequent receipt of marketing messages from financial institutions, complicating the unsubscribe process [1][2]. - Personal information security is a major issue, with around 30% of consumers worried about the risk of their personal information being leaked or misused in online financial services [2]. Group 2: Types of Financial Services - The primary types of financial services consumers engage with include loans and credit, investment and wealth management, savings and deposits, and payment services [2]. Group 3: Suggested Improvements - Consumers have proposed several improvements, including enhancing information disclosure, regulating marketing behaviors, strengthening information security, optimizing complaint handling, and increasing financial literacy [2]. - There is a call for financial institutions to proactively disclose key information to ensure consumers can make informed investment decisions [2]. Group 4: Regulatory Recommendations - Consumers urge regulatory bodies to improve the legal framework, facilitate consumer rights protection channels, increase enforcement against violations, and enhance daily supervision and public education [3].

Group 1 - The core theme of this year's "3·15" gala is "Safe Consumption and Quality Life," focusing on violations of consumer rights in areas such as food safety, public safety, financial security, and the advertising market [2] - The gala aims to expose illegal behaviors by unscrupulous businesses that evade regulation and harm consumer rights, while also addressing potential traps in digital consumption [2] - The event will highlight scams that threaten the safety of public investments and financial management, reinforcing the protection of consumer rights and promoting quality upgrades in consumption [2] Group 2 - The director of the gala, Zhang Qiang, expressed the hope that strengthening consumer rights protection will optimize the consumption environment, allowing consumer potential to be fully realized [2] - The gala will objectively reflect consumer demands and respond to social concerns, conducting targeted investigations to address real issues [2] - The "3·15" gala is committed to being a constant presence for consumers, ensuring their interests are represented [2]

Core Viewpoint - The "two drivers and two workers" group, consisting of truck drivers, ride-hailing drivers, couriers, and delivery workers, is a vital part of China's new employment landscape, serving as the "capillaries" of urban operations and connecting businesses with consumers and rural areas with cities [1] Financial Support and Education - Financial support for the "two drivers and two workers" group includes easy access to loans and quick claims processing, as well as education on recognizing financial scams [2][3] - This group faces challenges such as income fluctuations and information accessibility, making them targets for scams like "fake refunds" and "account lending" [2] Outreach Initiatives - The bank has launched campaigns to deliver financial knowledge directly to this group, including on-site educational sessions in logistics parks and ride-hailing stations [3][4] - In Beijing, specialized financial education sessions were held for delivery riders, using engaging formats like performances to convey important information [4] Digital Engagement - The bank is utilizing digital platforms to reach a wider audience, including targeted advertisements and SMS campaigns aimed at ride-hailing drivers and delivery workers across multiple cities [5][7] - Online initiatives are designed to provide timely financial knowledge when the workers need it, enhancing their understanding of financial safety [7] Service and Protection - The ultimate goal of financial services is to ensure that every worker feels seen and protected, with initiatives like "outdoor worker care stations" providing essential amenities [8] - The bank has established a green claims channel for delivery workers, ensuring rapid processing of insurance claims, exemplified by a case where a worker received compensation within two working days [8] Broader Implications - The "two drivers and two workers" group represents a microcosm of urban China and is crucial for financial services to reach [9] - The bank's efforts illustrate that serving new employment groups involves addressing specific scenarios where workers feel acknowledged and supported [9][10]

Core Viewpoint - The annual International Consumer Rights Day is approaching, and to boost consumer confidence and promote consumer rights protection, Sina Finance has launched the 2026 "315 Consumer Rights Protection" campaign in collaboration with the Black Cat Complaint platform [1] Group 1: Complaints Against the Company - From March 15, 2025, to February 28, 2026, China Merchants Securities received 18 complaints, with 8 being valid, resulting in a completion rate of 37.50%. The complaints primarily involved disputes over commission rates [1] - One complainant highlighted that China Merchants Securities charged a commission rate of 0.248%, which is significantly higher than the industry standard of 0.1% to 0.3%, indicating unreasonable high fees that severely infringe on investor rights [3] - Another complainant reported that the company changed their commission rate from 0.15% to 0.6% without prior notice, leading to increased trading costs [4] Group 2: Market Context and Company Performance - In a competitive market environment, many brokerage firms are engaged in a client acquisition battle, with new personal investor account commission rates generally around 0.15% to 0.1%. Some firms offer even lower rates, down to 0.00854% and 0.00841% based on the size of the funds [5] - In 2025, China Merchants Securities achieved total operating revenue of 24.99 billion yuan, a year-on-year increase of 19.19%, and a net profit attributable to shareholders of 12.3 billion yuan, up 18.43% [5] - The company's revenue growth was primarily driven by increased net income from brokerage business fees and market-making services, with brokerage business becoming the main growth driver, contributing 73.83% to the adjusted revenue increase [5]

Core Viewpoint - The Industrial and Commercial Bank of China Guangdong Branch (ICBC Guangdong) is deeply integrating consumer rights protection into its business development, offering innovative and diversified financial services to enhance consumer welfare in the context of rising financial consumption demand [2] Group 1: Consumer Rights Protection Initiatives - ICBC Guangdong has implemented various consumer protection measures, including innovative consumption discounts and digital credit services, to ensure consumer rights are safeguarded [2] - The bank's "Love Shopping Guangdong" campaign has benefited over 700,000 customers, with credit card spending exceeding 800 billion yuan, a year-on-year increase of over 5% [5] - The bank has supported customers in obtaining government subsidies totaling 870 million yuan, stimulating consumption by 5.6 billion yuan during the 2026 Spring Festival [5] Group 2: Digital Credit and Rural Development - ICBC Guangdong has prioritized rural revitalization and regional development by launching various agricultural loan products, with an agricultural loan balance of approximately 290 billion yuan, growing by over 40 billion yuan annually [6] - The "Small Town Brain" platform in Nan'ao Island exemplifies the bank's strategy, integrating data to improve management efficiency in the local aquaculture industry [6][8] Group 3: Pension Services and Financial Education - The bank has opened over 4 million personal pension accounts, with total contributions reaching 4 billion yuan, leading the regional market [8][9] - ICBC Guangdong has conducted over 20,000 pension financial education activities, reaching more than 10 million customers since 2025 [9] Group 4: Cross-Border Financial Services - The bank has enhanced cross-border financial services in the Guangdong-Hong Kong-Macao Greater Bay Area, facilitating over 30,000 account openings for residents and processing transactions exceeding 2.8 billion yuan [10] - Initiatives like the "Bay Area Social Security Pass" and "Yue-Ao Pension Pass" have simplified social security and pension processes for Macao residents [10] Group 5: Fraud Prevention Measures - ICBC Guangdong has developed an intelligent fraud prevention system that has intercepted over 30,000 fraudulent transactions, preventing losses exceeding 700 million yuan [11] - The bank has established a police-bank information sharing platform, processing over 1,200 victim leads daily to reduce fraud risks [11] Group 6: Commitment to Consumer Welfare - ICBC Guangdong aims to continue leveraging technology and service to strengthen consumer rights protection, providing more convenient, secure, and warm financial services to contribute to the high-quality development of Guangdong's economy and society [12]

Group 1 - The event "Towards Brightness, Joyful Shopping" was launched in Shenzhen's Guangming District, focusing on consumer rights and financial safety in home purchases [1] - The theme of the event was "Clear and Safe Network, Protecting Peaceful Consumption," aimed at enhancing citizens' risk prevention abilities and promoting rational consumption awareness [1][3] - Minsheng Bank's Shenzhen branch actively participated by providing financial education and promoting consumer rights protection, emphasizing its commitment to serving the public [1][5] Group 2 - The event featured a "Business Market" where Minsheng Bank's financial knowledge booth attracted many citizens, who engaged in consultations about financial safety and fraud prevention [3] - The bank's staff provided practical knowledge on preventing telecom network fraud, recognizing illegal financial advertisements, and protecting personal sensitive information [3] - The Guangming District Consumer Committee launched the "Quality Products, Quality Services" initiative for 2026, encouraging businesses to maintain quality and enhance service [4] Group 3 - Minsheng Bank's participation in the event reflects its ongoing efforts to promote financial knowledge and fulfill social responsibilities [5] - The bank has been conducting various consumer protection promotional activities tailored to different groups, ensuring financial knowledge reaches the general public [5][6] - Moving forward, Minsheng Bank aims to continue using educational outreach to build a safe and harmonious financial consumption environment [6]

晚会搭建起一个典型案例曝光、权威信息发布、倡导诚信消费的核心平台，彰显市场监管部 门维护公平、诚信、高品质消费环境的力度与成效，致力于推动消费者权益保护，助力消费 品质提升，共创美好生活环境。 晚会由广东省市场监督管理局、广东省工业和信息化厅、广东省司法厅、广东省住房和城乡 建设厅、广东省商务厅、国家金融监督管理总局广东监管局、中国人民银行广东省分行、中 国证券监督管理委员会广东监管局、广东省地方金融管理局、广东省消费者委员会、广东省 工商业联合会共同指导，广东广播电视台与南方财经全媒体集团联合主办。录制现场邀请了 相关行政主管部门、行业协会及企业代表等逾400人参与。 2 悦 读 · 智能 权 威 . r7 o 扫码点击下载 2026《广东3·15晚会》定于3月14日晚8:00在广东新闻频道、广东经济科教频道并机播出，粤 TV客户端、21财经客户端、经视频客户端也将同步进行网络直播。 出品丨南方财经全媒体集团 编辑丨刘桢滢 3月8日，2026《广东3·15晚会》在广东广播电视台1600演播厅进行录制。本届晚会以"提升消 费品质 共创美好生活"为主题，聚焦广东省"制造业与服务业协同发展"战略，紧扣"十五五"规 ...

Core Viewpoint - The article discusses the measures taken by the Hainan market supervision department to ensure consumer rights and maintain market order during the Spring Festival, particularly in response to a specific incident involving a canceled booking at a vacation rental in Sanya. Group 1: Consumer Rights Protection - The Hainan market supervision department has completed an investigation into a case where a vacation rental operator failed to honor a contract, resulting in a proposed fine of 350,000 yuan, revocation of the business license, and inclusion in a serious dishonesty list [2][6]. - During the Spring Festival, the department established a price monitoring information-sharing mechanism to address supply shortages and rapid price increases, enhancing inspection frequency for affected goods [4][5]. Group 2: Regulatory Enforcement - The department implemented a comprehensive regulatory approach combining online monitoring and offline inspections, focusing on illegal advertising and consumer complaints, particularly in tourist areas like Sanya [6]. - A total of 24 cases of price violations and consumer fraud were investigated during the Spring Festival, with a strong emphasis on punishing malicious breaches of contract and price fraud [6]. Group 3: Quick Resolution of Complaints - Consumer rights service points were set up in key tourist areas to handle complaints and mediate disputes, with a focus on reducing consumer conflicts at the source [7]. - The department received 6,195 consumer complaints during the Spring Festival, primarily related to price disputes and contract non-fulfillment, achieving a 100% response rate and a 76.9% resolution rate [7].

Group 1 - The tourism consumption market is experiencing growth during the 2026 Spring Festival holiday, with live streaming sales becoming a significant method for booking hotels [1][2] - Consumers have reported discrepancies between the advertised hotel features in live streams and the actual conditions, leading to potential legal implications for businesses [1][3] - Live stream promotions must be truthful and consistent with the details provided on booking pages to avoid misleading consumers and violating consumer protection laws [2][3] Group 2 - Even if live stream content does not constitute a formal "offer," it still holds legal weight if it misleads consumers, particularly if there are inconsistencies with the details page [2][3] - Businesses must ensure that all promotional content is accurate and does not contain misleading information, as this is crucial for maintaining consumer trust and legal compliance [3][5] - Regulatory bodies should enhance supervision of live stream promotions by comparing advertised content with actual conditions and taking action against misleading practices [3][4]