登录新浪财经APP 搜索【信披】查看更多考评等级 (股票代码：601658) 2.1主要会计数据和财务指标 本季度报告所载财务资料按照中国会计准则编制。除特别说明外，为本行及子公司合并数据，以人民币 列示。 人民币百万元，百分比或另有标注除外 注(1)：以摊余成本计量的客户贷款的减值准备。 注(2)：按期末归属于银行普通股股东的权益除以期末普通股股本总数计算。 1重要提示 1.1中国邮政储蓄银行股份有限公司（以下简称本行）董事会、监事会及董事、监事、高级管理人员保 证本季度报告内容的真实、准确、完整，不存在虚假记载、误导性陈述或者重大遗漏，并承担个别和连 带的法律责任。 1.22025年4月29日，本行董事会审议通过了《2025年第一季度报告》。 1.3本行法定代表人郑国雨、主管财务工作副行长徐学明及财务会计部负责人邓萍保证本季度报告中财 务信息的真实、准确、完整。 1.4本季度财务报表未经审计。 2主要财务数据 2.4资本充足率情况表 人民币百万元，百分比除外 人民币百万元，百分比或另有标注除外 注(1)：根据中国证券监督管理委员会《公开发行证券的公司信息披露编报规则第9号——净资产收益率 和每股收益的计算 ...

当前，世界百年未有之大变局加速演进，美国近期对所有贸易伙伴加征关税，严重侵犯各国正当权益， 严重违反世贸组织规则，严重冲击全球经济秩序稳定。在这一背景下，全方位扩大国内需求，针对性解 决制约消费的突出矛盾问题，大力提振消费，不仅有利于更好满足人民美好生活需要、提高人民生活水 平，也有利于更好发挥消费在经济发展中的基础性作用，做强国内大循环，加快构建新发展格局，更好 抵御外部风险冲击。消费信贷作为连接金融服务与居民消费的重要桥梁，是提振消费、扩大国内需求的 重要金融产品。数字金融具有广覆盖、低成本、高效率的特点，可以显著提升消费信贷的质量和覆盖 面，更好满足人民群众多样化的消费需求，对于激发内需潜力具有重要意义。 《习近平经济文选》第一卷（以下简称《文选》）中的多篇著作都对扩大消费、发展数字金融作出深刻 论述。比如，《把握新发展阶段，贯彻新发展理念，构建新发展格局》指出："加快培育完整内需体 系，加强需求侧管理，扩大居民消费，提升消费层次"；《服务实体经济，防范金融风险》指出："要扎 根于为实体经济服务、适应消费者和投资者需要进行金融创新"；《走好中国特色金融发展之路》指 出："新时代新征程，金融工作要站稳人民 ...

Core Viewpoint - 华夏银行 is actively enhancing its services to support the high-quality development of state-owned enterprises (SOEs) in Beijing, aligning with national strategies and the "14th Five-Year Plan" [1][10]. Group 1: Support for SOEs' Internationalization - The bank is facilitating SOEs' international expansion by providing comprehensive financial services, as highlighted by its role in the successful issuance of $9.5 billion in bonds for首创集团 [3]. - 华夏银行 aims to leverage its cross-border financial capabilities, including bond underwriting and trade financing, to support SOEs in their global endeavors [4]. Group 2: Innovation in Financial Products - The bank is focusing on innovation in financial products to empower SOEs' transformation, particularly in the areas of technology, green finance, and inclusive finance [5]. - Specific products such as "科创易贷" and "知识产权贷" are designed to meet the needs of technology-driven enterprises, with significant investments already made in over 10 Beijing-based tech companies [5][6]. Group 3: Collaboration with Government and Enterprises - 华夏银行 is establishing a collaborative framework with key government departments to enhance project financing and support the digital transformation of SOEs [7]. - The bank has successfully implemented digital RMB services for over 30 municipal enterprises, showcasing its commitment to modernizing financial services [7]. Group 4: Commitment to Consumer Finance - The bank is dedicated to enhancing consumer finance in Beijing, launching initiatives to stimulate local consumption and support housing needs for new residents [8][9]. - Programs like "接力贷" and partnerships with e-commerce platforms aim to improve accessibility to loans and promote consumer spending [9]. Group 5: Internal Reforms for High-Quality Development - 华夏银行 is undergoing internal reforms to boost its operational efficiency and market competitiveness, with a focus on enhancing service quality and asset management [10]. - The bank's "京华行动" reform initiative is aimed at aligning its services with the evolving needs of the capital's economy [10].

中信银行成都分行为沃飞长空提供金融支 持。图为沃飞长空全球总部基地开工活动现场。 □宇珩 （图片由中信银行股份有限公司成都分行提供） 此前，四川一家拥有10余项国家专利的省级专精特新中药材企业遇到难题：产品销量急剧增长导 致药材原材料采购费用大增，却因为缺乏抵质押物，四处筹措资金均遇到困难。 在深入了解企业情况后，中信银行股份有限公司成都分行（以下简称中信银行成都分行）客户经 理主动上门服务，详细介绍为专精特新企业定制的信贷产品——"科创e贷"，在一周内完成账户开 户和300万元贷款资金发放，解了该企业的燃眉之急。 助企脱困，只是中信银行成都分行践行金融强国使命的一个方面。奋力书写金融"五篇大文章"， 2024年中信银行成都分行存贷规模再创新高，自营存款余额突破1500亿元大关，达1507亿元，较 年初增长118亿元；各项贷款余额1772亿元，较年初增长74亿元。 不忘初心，砥砺前行。当前，中信银行成都分行正加力加劲，当好服务实体经济主力军。 高质量服务显担当 四川沃飞长空科技发展有限公司专注电动垂直起降飞行器的研发和制造，正在新建生产基地。不 久前，该公司有了开立工程款支付保函的需求，首笔保函金额达数百万元 ...

Core Viewpoint - The 27th China Beijing International Science and Technology Industry Expo will be held from May 8 to 11, 2025, showcasing Postal Savings Bank of China's Beijing branch's innovations in financial technology, including HarmonyOS ecosystem experiences, MR metaverse, digital human interaction, and smart cloud printing [1] Group 1: Digital Financial Infrastructure - The Postal Savings Bank of China's Beijing branch will focus on "Technology Finance" at the expo, highlighting green finance, inclusive finance, pension finance, and digital finance, while integrating HarmonyOS elements [2] - Visitors will experience various interactive projects, including personalized laser engraving services, MR metaverse explorations of financial products, and digital human interaction machines for financial consulting [2][3] Group 2: Innovation and Service Efficiency - The bank's innovations leverage HarmonyOS for seamless interconnectivity across devices, enhancing customer service experiences and operational efficiency [3] - In January 2025, the bank launched the HarmonyOS ecological bank, enabling a closed-loop service scenario with multiple devices for various banking functions [3] Group 3: Comprehensive Service System - The bank is focusing on the financial needs of technology enterprises, developing an evaluation system for innovation capabilities and enhancing its analysis methods to support high-growth tech companies [4] - The "Easy Enterprise" product offers a one-stop solution for small and medium-sized enterprises, integrating financial functions into various management applications [4] Group 4: Diverse Financial Products - The Uyi Chuang and Sci-Tech Loan product systems cater to different financing needs, with Uyi Chuang offering a range of services for capital operation and wealth management [5] - The Sci-Tech Loan addresses financing challenges for tech startups, while the Small Micro Easy Loan provides flexible online and offline financing options without requiring financial statements [5] Group 5: Commitment to Innovation - The bank's leadership emphasizes a commitment to innovation and optimizing service models, aiming to integrate technology and finance to support high-quality economic development [5]

Group 1: Financial Performance - In Q1 2025, six major state-owned banks achieved a total net profit attributable to shareholders of 344.42 billion yuan, averaging approximately 3.83 billion yuan per day [1] - Agricultural Bank and Bank of Communications reported year-on-year growth in net profit, with increases of 2.20% and 1.54% respectively [1] - The revenue figures for the six banks were as follows: Industrial Bank (212.77 billion yuan), Agricultural Bank (186.67 billion yuan), China Construction Bank (190.07 billion yuan), Bank of China (164.93 billion yuan), Postal Savings Bank (89.36 billion yuan), and Bank of Communications (66.37 billion yuan) [1] Group 2: Asset Scale and Quality - By the end of Q1, the total asset scale of the six banks showed steady growth, with Industrial Bank leading at 51.55 trillion yuan, a 5.58% increase from the previous year [2] - Agricultural Bank followed with assets of 44.82 trillion yuan, up 3.66%, while China Construction Bank reached 42.79 trillion yuan, growing by 5.48% [2] - The non-performing loan ratios for the banks remained stable, with Industrial Bank and Agricultural Bank both at 1.33%, and Postal Savings Bank at 0.91% [2] Group 3: Support for the Real Economy - The six banks continued to support the real economy, with Industrial Bank's loans to strategic emerging industries reaching 3.5 trillion yuan, and manufacturing loans at 4.8 trillion yuan [3] - Agricultural Bank's loans to strategic emerging industries totaled 3.2 trillion yuan, with a growth rate of 24.1% [3] - Postal Savings Bank served nearly 100,000 technology-based enterprises, with financing exceeding 600 billion yuan [3] Group 4: Green and Inclusive Finance - Agricultural Bank's green loan balance reached 5.59 trillion yuan, with a growth rate of 12.06% [3] - Postal Savings Bank's green loan balance was 910.71 billion yuan, growing by 6.01% [3] - Agricultural Bank's loans to private enterprises amounted to 7.22 trillion yuan, with a growth rate of 10.51% [3] Group 5: Digital Finance - By the end of Q1, Industrial Bank's loans to the core digital economy industries exceeded 960 billion yuan, reflecting a growth of 10.9% [4] - Bank of Communications reported loans to the digital economy core industries at 307.68 billion yuan [4]

Core Viewpoint - The People's Bank of China Shenzhen Branch and other nine departments have issued the "Implementation Opinions" to support the digital financial transformation in Shenzhen, aiming to create a model for "Digital China" through 18 specific measures [1][2]. Group 1: Digital Financial Transformation - The "Implementation Opinions" emphasize the systematic promotion of digital transformation in financial institutions, enhancing the innovation capability of digital technology applications [1]. - Shenzhen aims to build a digital transformation ecosystem based on "institutional guidance + scenario innovation + technology output" [1]. - Financial institutions are required to establish a coordinated mechanism led by top management to enhance resource allocation and task supervision [1]. Group 2: Innovative Financial Products - Financial institutions are encouraged to utilize AI, big data, and cloud computing to create innovative products such as "Tengfei Loan," "Carbon Reduction Loan," and "Technology Startup Pass" [2]. - The exploration of data asset credit enhancement, data intellectual property pledge financing, and data security insurance is promoted [2]. - Development of standardized and traceable green bonds and green insurance products is encouraged, along with innovative business models like "decentralized chain loans" [2]. Group 3: Digital Currency and Cross-Border Payment - The "Implementation Opinions" outline the promotion of digital RMB applications in public services, prepaid consumption, and supply chain finance [2]. - Participation in multilateral central bank digital currency bridge projects and the development of smart contracts and digital RMB hardware wallets are highlighted [2]. - The initiative aims to establish a full-domain payment demonstration area by facilitating the interconnection of Hong Kong's rapid payment system with online payment clearing systems in Shenzhen [2].

4月29日，在第八届数字中国建设峰会数字金融分论坛上，北京大学光华管理学院院长、金融学教授刘 俏表示，数智赋能重塑金融生态，推动金融行业向更高效、普惠、智能的方向发展，是一场深刻变革。 数字金融是金融与数字技术深度融合的产物，其发展路径为"技术驱动+场景落地+制度适配"，可聚焦 于服务科技创新、绿色金融等关键领域。 建设数字中国是数字时代推进中国式现代化的重要引擎，是构筑国家竞争新优势的有力支撑。而数字金 融作为数字经济的关键组成部分，对推动经济高质量发展、服务实体经济具有重要意义。 刘俏表示，我国金融正处在由"大"到"强"的关键时期，机遇与挑战并存。作为金融五篇大文章之一的数 字金融，其发展被提高到国家发展战略的新高度，在数字经济蓬勃发展的当下，数字金融发展空间广 阔、大有可为。 他指出，数智赋能，正在重塑金融生态，大数据、人工智能、区块链、云计算等技术的广泛应用，不仅 提升了金融服务的效率，也催生了全新的金融业态和商业模式，推动金融行业向更高效、更普惠、更智 能的方向发展。数智化与金融创新的融合，不仅是技术演进，更是一场关乎发展方式、治理模式的深刻 变革。 刘俏表示，数字金融是金融与数字技术深度融合的产物 ...

资本充足方面，广发银行资本充足率创历史新高。其中，核心一级资本充足率同比提升0.56个百分点至 9.67%，资本充足率同比提升1.81个百分点至14.86%。 需要指出的是，2024年是银行业做好"五篇大文章"的首个完整年度，各大银行金融机构，包括广发银 行，在五大金融领域均有明显发力。 数据显示，截至2024年末，广发银行贷款余额为2.13万亿元，较年初增长2.8%。过去一年累计投放对公 一般贷款7895亿元，创"十四五"以来新高。其中，科技企业贷款余额2355亿元，较年初增长24.96%；绿 色信贷余额突破2000亿元，同比增长42.30%；普惠型小微企业贷款余额1961亿元，新发放贷款利率 3.29%、较上年下降111BP；服务社保客户超620万户，个人养老金累计开户约320万户，居股份行前 列。 此外，作为唯一一家总部在广州的全国性股份制银行，大湾区是广发银行重点深耕区域，在支持湾区建 设方面有较强的金融资源倾斜。数据显示，截至2024年末，该行大湾区制造业、科技企业和绿色金融贷 款余额分别为690亿元、694亿元、626亿元，较年初分别增长24.5%、25.9%和42.2%。 在数字金融方面，广发银 ...

4 月 29 日，人民银行江苏省分行召开2025年二季度新闻发布会。记者从会上获悉，一季度，江苏金融总量保持全国领先，新增贷款、社会融资规模增量 均居全国第一。3 月，江苏全省新发放企业贷款、普惠小微贷款的平均利率水平处于历史低位。 图为新闻发布会现场 一季度政府债券融资增加2707亿元 人民银行江苏省分行调查统计处处长朱庆介绍，一季度，江苏省金融运行保持"总量有力、结构优化、利率下降"的良好态势，充分发挥金融对经济高质量 发展的支持作用。 信贷投放结构方面，金融支持重点领域力度加大。制造业中长期贷款快速增长，3月末，制造业中长期贷款余额同比增长12.8%，比各项贷款增速高2.7个 百分点。 3月末，江苏全省金融机构本外币贷款余额27.59万亿元，同比增长10.1%，高出同期全国增速3.2个百分点；比年初新增1.58万亿元，同比多增1642亿元。 同时，其他渠道融资也呈现较好增势，其中一季度政府债券融资增加2707亿元，同比多增1983亿元。全省社会融资规模增量为2.06万亿元，同比多增2528 亿元。 企业贷款利率稳中有降3月当月江苏全省小微贷款新发放企业贷款、普惠加权平均利率分别为3.26%、3.43%， ...