21世纪经济报道记者张欣 北京报道 低利率时代，中国上市银行正面临显著的经营挑战。 近日，安永发布《中国上市银行 2024 年回顾及未来展望》报告，以"低利率时代的高质量发展之路"为 主题，对58家上市银行展开深度剖析。这58家银行总资产和净利润分别占全国商业银行的83%和 96%， 其经营动态与发展策略，成为洞察中国银行业的重要风向标。 报告显示，上市银行平均净息差已连续五年下滑，2024 年更是跌至1.52%，盈利空间不断压缩。在宏观 环境不确定性加剧、国际经济震荡、国内需求不足等多重压力下，银行机构积极以"加减法"破局：做 "加法"，通过拓展非息收入、补充资本实力、深耕科技金融等 "五篇大文章" 挖掘新增长点；做 "减 法"，在压降负债成本、严控运营费用、强化风险管理等方面精准施策，谋求突围之道。 上市银行净息差持续探底，五年降至1.52% 安永大中华区金融服务首席合伙人忻怡指出，2024年中国上市银行面临更加严峻复杂的经营环境。银行 业进入低利率低息差周期，同时面临宏观环境不确定性加大，国际主要经济体增长动能减弱，地缘政策 冲突持续，贸易冲突和金融市场波动加剧，国内有效需求不足，经济回稳向好基础不稳定 ...

安永大中华区金融服务首席合伙人忻怡表示："当前的低利率环境预计还将持续一段时期。银行业在进 入'低利率、低息差'周期的同时，还面临宏观环境的不确定性加大，国际上主要经济体增长动能偏弱、 地缘政治冲突持续、贸易冲突和金融市场波动加剧，国内有效需求不足、经济回升向好基础还不稳固。 复杂多变的环境对上市银行的经营发展带来重大挑战。面对挑战，上市银行一方面做加法：多元开源拓 展非息收入，优化营收结构；多渠道补充资本，夯实服务实体经济实力；融入国家战略，深耕'五篇大 文章'，寻找业务发展新机遇。另一方面做减法：优化负债结构，降低负债成本；提升运营效率，控制 营业费用增长；加强风险管理，降低信用成本。" 具体来看，工农中建四家大型银行2024年末战略性新兴产业贷款余额合计超过人民币10万亿元，较上年 末增长22.62%；10家股份制银行2024年末对科技型企业贷款余额超人民币4.2万亿元，较上年末增长 21.93%。 北京商报讯（记者 宋亦桐）5月13日，安永发布《中国上市银行2024年回顾及未来展望》报告。该报告 深度分析了中国58家A+H股上市银行2024年度的经营业绩、资产质量、业务发展、经营模式等方面的 最新变化 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Ningbo Branch is committed to enhancing its financial services across various sectors, including technology finance, green finance, inclusive finance, pension finance, and digital finance, to support high-quality economic development in Ningbo [1][7]. Group 1: Technology Finance - ICBC Ningbo Branch focuses on serving technology-driven small and medium-sized enterprises, high-tech companies, and national technology innovation demonstration enterprises by optimizing its "five specialized" service system [2]. - The establishment of the ICBC Ningbo Technology Finance Center aims to enhance service quality and provide comprehensive financial support for technology enterprises [2]. - The bank promotes a multi-faceted service approach, integrating innovation, industry, talent, and funding to foster a virtuous cycle among technology, industry, and finance [2]. Group 2: Green Finance - The bank is dedicated to building a green finance ecosystem, supporting clean energy development, energy conservation, and environmental protection initiatives [3]. - As of September, the balance of green loans exceeded 77 billion yuan, an increase of over 16 billion yuan year-on-year, with a growth rate of 27%, outpacing the overall loan growth by 12 percentage points [3]. - ICBC Ningbo Branch is actively involved in projects that contribute to the city's dual carbon goals and the establishment of a high-quality green development framework [3]. Group 3: Inclusive Finance - The bank emphasizes a comprehensive approach to inclusive finance, focusing on small and micro enterprises, individual businesses, and agricultural operators [4]. - By launching various digital inclusive financial products, the bank aims to meet the financing needs of small businesses and the agricultural sector [4]. - As of September 2024, the balance of inclusive loans for small and micro enterprises exceeded 55 billion yuan, with agricultural loans surpassing 100 billion yuan, and nearly 50% of loans being digital [4]. Group 4: Pension Finance - ICBC Ningbo Branch is developing a pension finance service system to meet the needs of an aging society, focusing on pension financial services, pension industry finance, and related services [5]. - The bank is enhancing its service capabilities for elderly clients through a network of flagship and benchmark branches [5]. - The bank has issued over 150 million yuan in loans for the pension industry, supporting qualified pension enterprises [5]. Group 5: Digital Finance - The bank is advancing its digital finance strategy by promoting an integrated service model that combines platforms, products, and scenarios [6]. - ICBC Ningbo Branch serves over 9 million customers, focusing on using digital solutions to benefit agriculture, citizens, enterprises, and governance [6]. - The establishment of an enterprise-level risk control platform enhances the bank's overall risk management capabilities [6].

Core Viewpoint - The article discusses the recent issuance of the "Opinions on Financial Support for Guangzhou Nansha to Deepen Comprehensive Cooperation in the Guangdong-Hong Kong-Macao Greater Bay Area," which outlines 30 key measures to enhance financial services and support various industries in Nansha, aiming to strengthen its role in regional cooperation and development [1][2][3][4]. Group 1: Financial Support for Industries - The "Opinions" emphasize support for technology innovation industries, allowing financial institutions to innovate bill discount products and increase financing support for eligible enterprises [1][2]. - In high-end manufacturing, the document encourages qualified manufacturing and technology enterprises to issue technology innovation bonds and explore mixed financing models [1][2]. - Financial institutions are urged to enhance support for marine industries, commercial aerospace, and unmanned industries, including investments in marine high-tech industries and major marine infrastructure projects [2]. Group 2: Support for Youth and Entrepreneurship - The "Opinions" propose equal access to local entrepreneurial loan interest subsidies, guarantee fee subsidies, and insurance subsidies for eligible Hong Kong and Macao residents and youth projects in Nansha [2]. - Financial institutions are encouraged to facilitate employment and internships for Hong Kong and Macao residents [2]. Group 3: Development of Specialized Financial Services - The document highlights the importance of green finance, encouraging the Guangzhou Futures Exchange to explore electricity futures and enhance carbon account mechanisms for differentiated financial services [2]. - It supports qualified enterprises in issuing green and sustainable bonds in Hong Kong and Macao [2]. Group 4: Digital Finance and AI - The "Opinions" advocate for the development of digital financial services, including support for generative AI model development and applications in finance, as well as smart credit and investment services [3]. - Establishing a digital finance research think tank is also mentioned to support cross-border cooperation in digital finance projects [3]. Group 5: Cross-Border Asset Management Center - The document calls for the accelerated establishment of a cross-border asset management center in the Greater Bay Area, encouraging multinational companies to set up global or regional fund management headquarters in Nansha [4]. Group 6: Strategic Industry Development - Nansha aims to focus on seven strategic industries and leverage six industrial parks to achieve breakthroughs, including strengthening existing industries and introducing new emerging sectors like AI and intelligent networking [4]. - The article mentions specific initiatives for industrial parks, such as creating an integrated circuit industry ecosystem and enhancing smart manufacturing equipment supply chains [4].

Core Viewpoint - The document outlines the strategic focus of Guangzhou Nansha on seven key industries and six industrial parks to enhance its role in the Guangdong-Hong Kong-Macao Greater Bay Area cooperation, supported by a comprehensive set of financial measures from various regulatory bodies [1][2][3]. Group 1: Financial Support Measures - The "Opinions" document proposes 30 key measures to enhance financial services for innovation, social welfare, and cross-border financial innovation [1][2]. - Financial institutions are encouraged to innovate financial products like bill discounting and diversify intellectual property financing to support technology-driven enterprises [1]. - Support for high-end manufacturing includes issuing technology innovation bonds and exploring mixed financing models for qualified manufacturing and technology enterprises [1][2]. Group 2: Industry Development Focus - The strategy emphasizes support for marine industries, commercial aerospace, and unmanned industries, with financial institutions encouraged to enhance services in these areas [2]. - Youth innovation and entrepreneurship are prioritized, with policies to support Hong Kong and Macao residents in accessing local entrepreneurial loans and subsidies [2]. - The document highlights the importance of green finance, encouraging the development of renewable energy futures and carbon accounting mechanisms [2]. Group 3: Digital Finance and AI - The document stresses the importance of artificial intelligence as a key driver for high-quality economic development, promoting digital financial services and smart financial applications [3]. - Establishing a cross-border asset management center in the Greater Bay Area is a key initiative to attract multinational companies [3]. Group 4: Industrial Park Development - Nansha's six industrial parks will implement targeted strategies, such as the integrated circuit industry park focusing on a complete ecosystem from design to manufacturing [4]. - The advanced manufacturing park aims to strengthen the smart manufacturing equipment supply chain and high-end shipbuilding [4].

Group 1 - The core viewpoint emphasizes the importance of digital financial work in accelerating the digital transformation of the financial industry, which is crucial for building a strong financial nation and consolidating China's advantages in the digital economy [1] - The State Council issued guidelines in 2024 to enhance the sustainable development capabilities of the insurance industry, focusing on increasing digital intelligence levels and encouraging the use of technologies like AI and big data [2] - The company has made significant progress in digital transformation, including the establishment of a core technology team and the introduction of AI technologies to enhance operational efficiency and customer insights [2] Group 2 - The aging population in China has led to a growing demand for improved elderly care services, prompting the company to explore digital transformation in this sector [3] - The company has implemented smart home solutions and a community management system to enhance the living environment and health monitoring for the elderly [3] - A comprehensive smart care monitoring system has been developed to ensure real-time health monitoring and efficient emergency response for elderly residents [3] Group 3 - The company is enhancing customer service quality through technological innovation, including the construction of a unified customer management platform and the integration of various online insurance services [4] - The company’s app now offers 122 online insurance services and has engaged 373 million users, showcasing its commitment to improving customer experience [4] - The company is also advancing digital transformation in various insurance sectors, including agriculture, by integrating advanced technologies to improve operational efficiency [4] Group 4 - The company is actively exploring investment opportunities in computing infrastructure, marking a significant step in the integration of finance and industry [6] - A strategic cooperation agreement was signed for a data center project with an expected investment exceeding 1 billion yuan, highlighting the company's commitment to digital economy development [6] - The company's digital financial development strategy focuses on meeting human needs, enhancing dignity in elderly care, and providing warm services while driving industrial momentum [6]

Core Viewpoint - The article discusses the joint release of the "Opinions on Financial Support for the Deepening of Comprehensive Cooperation in the Guangdong-Hong Kong-Macao Greater Bay Area" by several Chinese financial authorities, emphasizing the need for enhanced financial support for Nansha to drive high-quality development in the Greater Bay Area [1][2]. Group 1: Financial Support Initiatives - The "Opinions" propose 30 key measures to strengthen financial support for Nansha, focusing on innovative financial services and the development of specialized financial services [2][5]. - New business models such as "loan + external direct investment" will be explored to support technology innovation, high-end manufacturing, digital industries, and marine industries [3][5]. - The establishment of a cross-border asset management center in the Greater Bay Area is prioritized, along with the development of green finance and digital finance [5][6]. Group 2: Cross-Border Financial Services - The "Opinions" aim to facilitate cross-border payment services and credit financing, expanding the pilot program for Hong Kong and Macao residents to open accounts [4][6]. - There is a focus on promoting cross-border equity investment and simplifying application processes for such investments [6][7]. - The article highlights the importance of digital currency innovation and encourages participation in the multilateral central bank digital currency bridge (mBridge) [4][7]. Group 3: International Financial Cooperation - The "Opinions" advocate for the establishment of an international commercial bank in the Greater Bay Area and the introduction of diverse investment institutions [7]. - It emphasizes the need for higher-level trade and investment renminbi settlement facilitation, allowing foreign investment enterprises to handle renminbi capital account settlements more efficiently [7]. - The document supports aligning Nansha with international high-standard institutional rules, such as the CPTPP and DEPA, to promote institutional openness in the financial sector [7].

Core Viewpoint - The "Nansha Financial 30 Measures" aims to enhance financial support for Nansha, positioning it as a key driver for high-quality development in the Guangdong-Hong Kong-Macao Greater Bay Area and a significant international financial hub for China's financial industry [1][2][3] Group 1: Financial Support and Innovation - The initiative emphasizes improving financial services for innovation and entrepreneurship, particularly supporting technology innovation industry cooperation bases [1] - Financial institutions are encouraged to innovate bill discount products and increase bill financing support for enterprises aligned with Nansha's industrial development [1] - Collaboration between banks and external investment institutions is promoted to explore new business models such as "loans + external direct investment" [1] Group 2: High-end Manufacturing and Green Finance - The measures support government-guided funds focusing on key industries and technologies in Nansha, facilitating social capital investment [2] - Eligible manufacturing and technology enterprises are encouraged to issue technology innovation bonds and explore mixed financing models [2] - Development of specialized financial services is highlighted, including green finance, digital finance, and shipping finance to support the international shipping hub [2] Group 3: International Financial Cooperation - The plan includes establishing an international commercial bank in the Greater Bay Area and attracting diverse investment institutions [3] - Support is provided for Hong Kong and Macao investors to establish securities and fund companies in mainland China [3] - The construction of financial innovation hubs and platforms is prioritized to facilitate cross-border operations for Hong Kong and Macao financial institutions [3] Group 4: Cross-border Payment and Insurance Services - The measures aim to enhance the convenience of cross-border payment services and expand the pilot scope for banks serving Hong Kong and Macao residents [3] - Collaboration between banks and non-bank payment institutions is encouraged to develop cross-border payment services [3] - Insurance services are also targeted for improvement, with a focus on developing cross-border insurance products suitable for Nansha residents [3]

Core Viewpoint - The People's Bank of China, along with other regulatory bodies, has issued a set of opinions aimed at enhancing financial support for the Nansha area, emphasizing its role in the high-quality development of the Guangdong-Hong Kong-Macao Greater Bay Area [1][2]. Group 1: Financial Support Initiatives - The opinions propose 30 key measures to strengthen financial support for Nansha, focusing on innovative financial services and cross-border financial cooperation [2][5]. - New business models such as "loans + external direct investment" will be explored to support technology innovation and high-end manufacturing [5][6]. - The establishment of a cross-border asset management center in Nansha is encouraged to facilitate international leasing and factoring services [7]. Group 2: Cross-Border Financial Services - The opinions aim to enhance cross-border payment services and credit financing, including the expansion of pilot banks for Hong Kong and Macao residents [6][8]. - There is a focus on simplifying processes for cross-border equity investment and exploring new models for international cooperation in futures trading [8][9]. Group 3: International Standards and Open Finance - The opinions support aligning Nansha with international standards such as the Comprehensive and Progressive Agreement for Trans-Pacific Partnership (CPTPP) and the Digital Economy Partnership Agreement (DEPA) [9][10]. - Efforts will be made to attract diverse investment institutions, including sovereign wealth funds and venture capital, to participate in the financial market [9][10].

助力绿色经济可持续发展 随着国家"双碳"目标的推进，绿色金融已成为资本市场服务实体经济的重要方向。安粮期货相关负责人 表示，公司顺应绿色发展趋势，助力绿色经济高质量发展，为某新能源产业链企业量身定制"期货+期 权"组合策略，首创"期货虚拟库存+现货物理库存"双轨联动机制，借助"成本利润+库存+基差"三位一体 定价模型，帮助企业成功化解碳酸锂价格波动风险。该模式通过期权保护规避了库存贬值风险，为新能 源产业链构建了立体化风险管理体系。 服务乡村振兴和实体经济 本报讯 （记者王宁）今年2月7日，中国证监会发布《关于资本市场做好金融"五篇大文章"的实施意 见》（以下简称《实施意见》），为期货行业服务国家战略、深化改革创新提供了行动指南。近日，安 粮期货股份有限公司（以下简称"安粮期货"）相关负责人向记者表示，公司作为服务实体经济的中坚力 量，立足自身业务特点与优势，积极探索在科技金融、绿色金融、普惠金融、养老金融、数字金融方面 的落实举措，致力于将政策红利转化为服务实体经济、推动高质量发展的实际成效。 提升创新服务水平 "在当前智能化、数字化转型背景下，公司紧跟时代步伐，通过大数据分析、人工智能等技术手段，深 入挖 ...