Core Points - The People's Bank of China Suining Branch has initiated a pilot program to clarify comprehensive financing costs for enterprises, focusing on transparency and service precision [1][2] - The program aims to help small and micro enterprises understand the breakdown of financing costs, including interest and non-interest fees, through a detailed cost list [2][3] - Training sessions for bank staff have been conducted to enhance understanding and communication of financing costs to clients, resulting in increased customer trust and satisfaction [3] Summary by Sections Pilot Implementation - The pilot program was officially launched in March 2025, targeting small and private enterprises, with 17 banks and 463 branches in Suining participating [2] - A comprehensive financing cost list is provided to clients, detailing all associated fees, which has improved their understanding of total financing costs [2] Clear Guidance - The initiative has led to a significant increase in customer trust and satisfaction, as all fees are now clearly outlined [3] - Over 40 training sessions have been held for bank employees, with more than 800 staff trained to effectively communicate the financing cost structure to clients [3] Service Optimization - The program has resulted in banks covering certain fees for clients, leading to direct financial benefits, such as a client saving over 2000 yuan on a loan application [4] - Since the pilot's launch, banks have waived 181,400 yuan in fees for clients who filled out the financing cost list, with the average interest rate for new loans to small enterprises in May 2025 being 3.88%, a decrease of 0.33 percentage points year-on-year [4]

Group 1 - The total amount of newly approved residential mortgage loans in Macau increased by 13.8% month-on-month to 880 million MOP in April 2025, with the residential portion rising by 6.8% to 820 million MOP [1] - The average monthly amount of newly approved residential mortgage loans from February to April 2025 was 790 million MOP, a decrease of 15.7% compared to the previous period [1] - Newly approved commercial property loans decreased by 22.1% month-on-month to 1.52 billion MOP, with the residential portion dropping by 45.6% to 1.01 billion MOP [1] Group 2 - As of the end of April 2025, the total outstanding residential mortgage loans decreased by 0.6% month-on-month to 214.39 billion MOP, a year-on-year decrease of 5.3% [2] - The outstanding commercial property loans amounted to 148.08 billion MOP, reflecting a month-on-month decrease of 0.3% and a year-on-year decrease of 5.2% [2] - The residential portion of outstanding residential mortgage loans accounted for 96.7% of the total [2] Group 3 - The residential mortgage loan delinquency ratio remained stable at 3.6% as of the end of April 2025, with a year-on-year increase of 0.1 percentage points [3] - The commercial property loan delinquency ratio was 5.5%, showing an increase of 0.1 percentage points month-on-month and 2.1 percentage points year-on-year [3] - Residential mortgage loans are secured by residential properties within the Macau SAR, while commercial property loans are secured by commercial properties within the same region [3]

津巴布韦央行将贷款利率维持在35%不变。 ...

Core Points - The company held its fourth (temporary) meeting of the sixth supervisory board, chaired by Mr. Huang Liang, in compliance with relevant laws and regulations [1] - The supervisory board approved the proposal to amend the company's articles of association, aligning with the latest legal requirements and actual business conditions [1] - The board also approved a proposal for the wholly-owned subsidiary, Nantong Yaben, to apply for a bank project loan, with the company providing a joint liability guarantee [1] Summary by Sections - **Meeting Details** - The meeting was convened and conducted in accordance with the Company Law and the company's articles of association [1] - Voting was conducted by a show of hands, with all three supervisors in favor of the proposals [2] - **Amendment of Articles of Association** - The supervisory board agreed to revise the articles of association based on the latest regulations and the company's operational situation [1] - The proposal will be submitted for approval at the company's shareholders' meeting [2] - **Loan Guarantee Proposal** - The supervisory board approved the company providing a guarantee for a bank loan application by its wholly-owned subsidiary [1] - The actual guarantee amount and terms will be determined through further negotiations with the bank [1]

2025.06. 16 公告信息显示，在甘肃矿区人民法院正在审理的一起贷款担保纠纷中，贵州长征作为担保人，为一笔 本息合计超过2.7亿元的贷款提供了担保，从而被债权人起诉，要求承担连带责任。 从这笔看似平常的上市公司转让下属公司股权的交易切入，第一财经记者调查发现了一些不寻常的隐 秘事项：2018年，上市公司华明装备以近4亿元的代价从曾经在A股市场翻云覆雨的银河系潘琦手中 收购贵州长征，却在六年后不得不以100万元剥离。高买低卖的交易背后，意外牵出了兰州银行 作者 | 第一财 经 张丽华、魏中原 然而，兰州银行向关联公司兰州三维汇成置业有限公司（下称："三维汇成"）转让上述贷款对应的 债权，之后发生的偿债官司在诉讼调查中暴露的关联交易疑点，将金融机构放贷合规性与资本系族利 益勾连的监管灰色地带推向聚光灯下。 2025年4月16日，华明装备（002270.SZ）披露，计划以100万元的价格，转让全资孙公司贵州长 征电气有限公司（下称："贵州长征"）100% 的股权。而就在六年前，该公司收购贵州长征的价 格，高达3.98亿元。 100 万股权转让牵出巨额担保案 贵州长征突然被债权人起诉追偿债务，是华明装备转让股权 ...

交银国际研究 消息快报 银行业 社融保持同比多增，M1 增速在低基数上显著回升 万丽, CFA, FRM wanli@bocomgroup.com (86) 10 8393 5331 此报告最后部分的分析师披露、商业关系披露和免责声明为报告的一部分，必须阅读。 下载本公司之研究报告，可从彭博信息：BOCM 或 https://research.bocomgroup.com 银行 2025 年 6 月 16 日 5 月新增人民币贷款同比少增主要来自企业中长期贷款，居民中长期贷款 同比企稳。2025 年 5 月新增人民币贷款 6,200 亿元，低于市场预期（约 8,000 亿元），同比少增 3,300 亿元，同比少增主要来自企业中长期贷款。 从居民部门来看，居民短期贷款减少 208 亿元，同比少增 451 亿元；居民 中长期贷款新增 746 亿元，同比多增 232 亿元，连续 3 个月同比多增。从 企业部门来看，企业短期贷款新增1,100亿元，同比多增2,300亿元；企业 中长期贷款新增 3,300 亿元，同比少增 1,700 亿元；企业票据融资新增 746 亿元，同比少增2,826亿元。非银机构贷款净新增589 ...

Core Viewpoint - Huaming Equipment plans to divest its wholly-owned subsidiary Guizhou Changzheng Electric Co., Ltd. for 1 million yuan, a significant drop from the 398 million yuan paid six years ago, due to a lawsuit from creditors seeking debt recovery [1][2]. Group 1: Company Actions and Financial Implications - The divestment is a response to Guizhou Changzheng being sued by creditors for over 270 million yuan in loans for which it acted as a guarantor [2][4]. - Huaming Equipment stated that the guarantee obligations were not disclosed by the previous owners, leading to potential financial risks and uncertainties [4][5]. - The company aims to optimize its asset structure and mitigate legal risks by transferring the subsidiary [4][5]. Group 2: Debt and Guarantee Issues - The loans in question were issued by Lanzhou Bank, with Guizhou Changzheng providing guarantees for multiple loans totaling 11 billion yuan to three trade companies with minimal capital [2][6][14]. - The loans were linked to a broader scheme involving multiple companies and individuals, raising concerns about the legitimacy of the transactions and the financial health of the guarantors [8][19]. - The three borrowing companies had a combined registered capital of less than 60 million yuan, yet secured substantial loans, indicating potential irregularities in the lending process [14][23]. Group 3: Connections and Regulatory Concerns - The investigation revealed connections between the borrowing companies and the controlling entities of the guarantors, suggesting a network of interests that may have influenced the loan approvals [8][21]. - The guarantors included companies and individuals with a history of financial difficulties and regulatory issues, raising questions about the due diligence performed by Lanzhou Bank [23][28]. - The lack of transparency and compliance with regulatory requirements in the guarantee agreements has been highlighted, with significant implications for corporate governance and accountability [26][27].

2025 年 06 月 16 日 铝：现实仍不弱 氧化铝：重心略下移 王蓉 投资咨询从业资格号：Z0002529 wangrong2@gtht.com 王宗源（联系人） 期货从业资格号：F03142619 wangzongyuan@gtht.com 铝、氧化铝基本面数据更新 | | | | T | T-1 | 1-5 | T-22 | T-66 | | --- | --- | --- | --- | --- | --- | --- | --- | | | | 沪铝主力合约收盘价 | 20440 | 45 | 370 | 435 | -425 | | | | 沪铝主力合约夜盘收盘价 | 20465 | ー | ー | ー | । | | | | LME铝3M收盘价 | 2503 | -17 | રેટ | 10 | -200 | | | | 沪铝主力合约成交量 | 186321 | 1 ୧୨୮୧ | 72585 | 45505 | -20914 | | | | 沪铝主力合约持仓量 | 211010 | 4126 | 29552 | 50561 | 11289 | | | 电解铝 | LME铝3M成交量 | 23 ...

Group 1: Monetary Supply and Growth - As of the end of May, the broad money supply (M2) reached 325.78 trillion yuan, showing a year-on-year growth of 7.9% [1] - The narrow money supply (M1) stood at 108.91 trillion yuan, with a year-on-year increase of 2.3% [1] - The currency in circulation (M0) was 13.13 trillion yuan, reflecting a year-on-year growth of 12.1% [1] - In the first five months, a net cash injection of 306.4 billion yuan was recorded [1] Group 2: Social Financing and Loans - The total social financing scale increased by 18.63 trillion yuan in the first five months, which is 3.83 trillion yuan more than the same period last year [2] - The balance of loans to the real economy reached 262.86 trillion yuan, with a year-on-year growth of 7% [3] - In the first five months, RMB loans increased by 10.68 trillion yuan, with household loans rising by 572.4 billion yuan and corporate loans increasing by 9.8 trillion yuan [4] Group 3: Deposits and Financial Market Rates - The total RMB deposits increased by 14.73 trillion yuan in the first five months, with household deposits rising by 8.3 trillion yuan [5] - The weighted average interbank lending rate in May was 1.55%, down 0.3 percentage points from the same period last year [6] - The loan market quotation rate for one-year loans was 3.00%, and for loans over five years, it was 3.50%, both lower by 0.1 percentage points compared to the end of last year [7] Group 4: Currency Exchange Rates - As of the end of May, the CFETS RMB exchange rate index was 95.96, down 5.43% from the end of last year [8] - The RMB to USD exchange rate was 7.1848, appreciating by 0.05% compared to the end of last year, while the RMB depreciated against the Euro and Yen by 7.80% and 7.28% respectively [8]

本文字数：2881，阅读时长大约5分钟 作者 | 第一财经 杜川 在存款利率进入"1字头"时代的背景下，5月金融数据折射出资金流动的深刻变化。 央行数据显示，5月末人民币存款余额达316.96万亿元，同比增长8.1%，当月新增存款近2.2万亿 元，较去年同期多增5000亿元。其中，非银存款单月增加近1.2万亿元，创下近十年同期新高，成为 市场关注的焦点。 分析普遍认为，存款利率下调引发的"存款搬家"效应，是推动非银存款增长的原因之一。居民和企业 加速将资金向货币基金、现金管理类理财等收益相对更高的领域转移。这一趋势在银行理财规模数据 上得到有力印证——5月银行理财规模环比增长3400亿元，总量达31.6万亿元。 与此同时，存贷款月度增长差异也引发关注。专家指出，这缘于金融资产多元化、直接融资占比提升 以及隐性债务置换等多重因素，需从长期视角理解存贷款增长的动态平衡。 非银存款创近十年同期高点 数据显示，5月人民币存款增加2.18万亿元，同比多增5000亿元，环比更多增2.62万亿元。 5月存款结构中，非银存款增加1.19万亿元，为近十年同期高点，同比多增300亿元。今年以来，非 银存款累计增加3.07万亿元， ...