房地美：美国上周30年期按揭贷款/抵押贷款利率6.84%，前值6.85%。 ...

啊! 马总,哪里有 问题啊,我都检查 了好几遍了。 我们这笔贷款是因为这家企业破产清算产 生，我们申报的损失属于债权投资损失 按规定是要留存投资的原始凭证、合同或协 议、会计核算资料等相关证据材料，此外, 因损失属于因债务人破产而无法收回贷款本 金的情形,还需出具资产清偿证明。你留 存的仅仅是企业出具的破产证明,不符合 税前确认损失的条件。 政鏡鏈接 ... 《企业资产损失所得税税前扣除管理办法》 第四十条: V 企业债权投资损失应依据投资的原始凭证、合 同或协议、会计核算资料等相关证据材料确 认。下列情况债权投资损失的，还应出具相关 证据材料:(一)债务人或担保人依法被宣告破 产、关闭、被解散或撤销、被吊销营业执照失 踪或者死亡等,应出具资产清偿证明或者遗产 清偿证明。 不好意思马总,我去过 他们企业,确实是破产 清算了,所以就觉得他 们出个证明也可以的。 仅提供破产说明不符合 税收申报损失的条件, 还应按税收文件规定留 存相应的完整资料。 vin 好的,我这就去和企业 联系,重新补上资料。 看来我还得加强学习啊。 你要学的还不止这些呢，按照政策规定, 要是上述事项超过三年以上的，或债权投 资余额在三百万元 ...

Group 1 - The People's Bank of China announced the establishment of 500 billion yuan to support service consumption and the elderly care industry, with financial institutions in Xinjiang actively implementing this initiative [1] - Xinjiang financial institutions are developing specialized credit products to promote the development of related industries, such as the Agricultural Bank of China's "Merchant e-loan" with a maximum limit of 5 million yuan, which has issued 1.069 billion yuan in loans to support over 1,900 merchants [1] - The Industrial and Commercial Bank of China in Xinjiang launched digital inclusive financing products, focusing on supporting infrastructure construction in key tourist areas, with total loans exceeding 800 million yuan [1] Group 2 - The People's Bank of China in Xinjiang is enhancing cross-border payment and foreign currency exchange services, including the establishment of foreign currency exchange windows and self-service exchange machines for various currencies [2] - A cross-departmental coordination mechanism has been established to reduce financing costs and risks, integrating policy resources to enhance financial service supply capabilities [2]

作者 | 源媒汇 童画 在大连银行董事长职位空缺了两年后，52岁的"东方系"老将曾涛"火线救场"。 据媒体报道，大连金融监管局于6月3日发布批复，核准曾涛大连银行董事长的任职资格。两天后，大连银行发布公告，确认了这一消息。 大连银行的控股股东是中国东方资产管理股份有限公司（下称"东方资产"）。包括此次担任董事长的曾涛在内，大连银行有多位高管来自东方资产。 源媒汇了解到，曾涛在东方资产供职多年，熟悉公司业务和战略，此次出任大连银行董事长，或被寄予厚望，即将大股东的战略规划落实到大连银行的发 展中，提升公司业绩。 不过，如今的大连银行正面临三大难题：新管理团队磨合、业绩下滑、不良贷款率攀升。对于曾涛而言，不仅要化解业绩增长与资产质量的双重困局，还 肩负着重塑市场信心的重任。 新管理团队待磨合 大连银行的前身是大连市商业银行。天眼查显示，大连银行成立于1998年3月，注册资本为755018.96万元，法定代表人是彭寿斌。 大连银行此前一直处于"群龙无首"的状态。自2023年2月彭寿斌辞去大连银行董事长职务后，该行的董事长职位一直空缺，直至曾涛出现。 曾涛的经历充满"东方系"烙印。其早年在中国银行海南省分行起步，后在 ...

苏州银行股份有限公司投资者关系活动记录表 | | 3、贵行在异地区域的贷款投放情况如何？ | | --- | --- | | | 答：近年来，本行扎实推进异地区域特别是异地重点 | | | 区域发展，异地分行贡献度稳步提升，江苏省内其他地区 | | | 贷款余额占比超 40%。后续，本行将继续因地制宜，深融 | | | 属地市场，延伸服务触角，充分挖掘全省金融服务需求。 | | 关于本次活动是否 | 接待过程中，公司接待人员与投资者进行了充分的交流与 | | 涉及应披露重大信 | 沟通，严格按照有关制度规定，没有出现未公开重大信息 | | 息的说明 | | | | 泄露等情况。 | | 活动过程中所使用 | | | 的演示文稿、提供的 | | | 文档等附件（如有， | | | 可作为附件） | | 编号：2025-12 2 | | □分析师会议 特定对象调研 | | --- | --- | | 投资者关系活动类 | □媒体采访 □业绩说明会 | | 别 | □新闻发布会 □路演活动 | | | □现场参观 | | | □其他（请文字说明其他活动内容） | | | 调研人员：华安基金关鹏、郭昶皓 | | 活 ...

Group 1 - The core viewpoint of the articles highlights the increasing significance of stock buybacks and the re-loan mechanism as stabilizers in the capital market, with a total of 659 announcements related to re-loans exceeding 130.625 billion yuan as of June 10 [1][2] - Numerous listed companies and their controlling shareholders have recently announced support through re-loans, indicating a broad application of this tool for market value management [2] - Since October of the previous year, 1,359 listed companies have implemented stock buybacks totaling 96.268 billion yuan, with 624.77 billion yuan occurring in the first five months of this year [2] Group 2 - The policy environment is continuously optimizing the re-loan tool, with the People's Bank of China extending the maximum term from one year to three years and reducing the self-funding requirement from 30% to 10% [4] - Industry experts believe that the re-loan mechanism plays a crucial role in stabilizing the capital market and boosting investor confidence, with institutions like Minsheng Securities and Guolian Securities noting its effectiveness in enhancing buyback and shareholder increase activities [4] - The People's Bank of China and the China Securities Regulatory Commission are committed to utilizing relevant tools to enhance the scale and proportion of medium- to long-term capital entering the market, further invigorating market activity [4]

Group 1 - The company Inner Mongolia Boyuan Chemical Co., Ltd. plans to provide loan guarantees for its wholly-owned subsidiary, Inner Mongolia Boyuan Yingen Mining Co., Ltd.'s subsidiary, Inner Mongolia Boyuan Yingen Chemical Co., Ltd., totaling 330 million yuan [2][3] - The loan guarantees include 280 million yuan for a project loan with a term of up to 8 years, 30 million yuan for a general credit line with a term of 1 year, and 20 million yuan for a comprehensive credit line with a term of 15 months [3][9] - The total amount of external guarantees provided by the company and its subsidiaries exceeds 50% of the company's latest audited net assets, amounting to 1,205.07 million yuan, which is 83.13% of the net assets [12] Group 2 - The board of directors has approved the loan guarantee proposal, which will be submitted for approval at the upcoming shareholders' meeting [4][50] - The company asserts that the guarantees will not adversely affect its financial status or operational results, and the risks are considered manageable [11][12] - The company has scheduled the second extraordinary general meeting of shareholders for June 27, 2025, to discuss the guarantee proposal and other matters [15][53]

KeyCorp (KEY) 2025 Conference Summary Company Overview - **Company**: KeyCorp (KEY) - **Event**: 2025 Conference - **Date**: June 11, 2025 Key Points Industry and Business Segments - **Commercial Banking**: Key's commercial banking platform is a significant and growing portion of total revenue, contributing $2 billion in 2024, accounting for nearly half of Key's total revenue during that period [5][12] - **Middle Market Focus**: The middle market segment includes companies with annual revenues from $10 million to $1 billion, representing about 200,000 businesses across the U.S. and a significant part of private sector GDP [12][28] - **Payments Platform**: Key has a scaled national payments business serving over 8,000 commercial clients across all 50 states, with 95% of deposits coming from customers with operating accounts [6][15] Financial Performance - **Revenue Growth**: The middle market revenues increased by approximately 25% over the last five years, with deposits up by $4 billion and operating deposits making up 88% of the total [19][20] - **Return on Equity**: The middle market business consistently generates a return on equity of 17% to 20%, while the commercial payments business has grown revenue at twice the industry rate over the past five years [7][12] - **Client Growth**: Key grew its client base by 8% and expects further growth as it focuses on adding core customers [20] Strategic Initiatives - **Investment in Talent**: Key plans to increase its banker count by 10% this year, targeting select geographies based on market attractiveness [21][72] - **Integrated Services**: The integration of lending, payments, and deposit teams aims to simplify the business model and enhance customer experience [10][11] - **Risk Management**: Key is enhancing its risk management capabilities, focusing on industry-specific expertise and deeper product knowledge [22][23] Market Sentiment and Client Behavior - **Cautious Optimism**: Clients in the middle market are cautiously optimistic, with 91% prioritizing operational efficiency and viewing market disruptions as growth opportunities [30][29] - **Adaptability**: The middle market segment has shown resilience and adaptability in response to economic shocks, with a 10% annualized revenue growth from 2022 to 2024 [28][29] Competitive Landscape - **Loan Growth**: Key has experienced significant growth in commercial and industrial (C&I) loans, with a 2% to 3% growth rate in the middle market [39][40] - **Pricing Competition**: While there is increased interest in loan growth among banks, pricing competition has remained stable [45] Future Outlook - **Growth Strategy**: Key aims to continue its focus on primacy clients, enhance product platforms, and scale its embedded banking strategy [21][22] - **Capital Management**: Key has a $1 billion buyback authorization and plans to manage its capital ratio effectively amid market volatility [74][75] Additional Insights - **Client Relationships**: The average tenure of Key's middle market clients exceeds 15 years, indicating strong loyalty and potential for increased product penetration [13][64] - **Private Credit**: Key is strategically positioned in the private credit space, focusing on partnerships and maintaining a competitive edge [66][70] This summary encapsulates the key insights and strategic directions discussed during the KeyCorp conference, highlighting the company's focus on growth, client relationships, and market adaptability.

这家头部消费金融机构持续"补血"中。6月11日，北京商报记者注意到，中国货币网日前披露，马上消费金融拟发行"安逸花"2025年第二期个人消费贷款资 产支持证券（ABS），发行总规模为10亿元人民币。 综合来看，年内已有4家消费金融机构累计发行84.58亿元ABS，发行数量以及规模较上年同期均有增长。而在部分机构火热发行ABS的同时，消费金融行业 融资赛道上的两极分化特征同样明显。有分析人士指出，能否在公开市场持续获取低成本资金、拥有更充分的对客定价权，是衡量消金公司市场竞争力的重 要维度。 马上消费金融再发ABS 按照规划，马上消费金融本期ABS定于2025年6月17日在全国银行间债券市场发行，发行总规模10亿元，持续购买期为7个月，结构分为优先档和次级档。其 中，优先档资产支持证券包括7.75亿元优先A档和0.75亿元优先B档，合计8.5亿元，将采用簿记建档方式发行；次级档资产支持证券规模为1.5亿元，将由马 上消费金融自持。 | 分档情况 | 评级 (中债资信/ | 金额 | 证券本金 | 还本 | 利息支付 | 利率类型 | 预期 | 法定 | | --- | --- | --- | --- | --- ...

Group 1 - The Bank of China Beijing Branch has issued a preferential loan of 10 million yuan to a local restaurant, marking it as one of the first banks in Beijing to successfully allocate loans under the service consumption and elderly re-loan policy [1] - The People's Bank of China established a 500 billion yuan service consumption and elderly re-loan fund to encourage financial institutions to increase support for key areas of service consumption and the elderly industry [1] - Since May, the Bank of China Beijing Branch has actively responded to the policy by forming a special task force to tailor financial service plans for enterprises in need, enhancing their internal development capabilities [1] Group 2 - The restaurant that received the loan had previously faced cash flow issues due to market fluctuations, but after receiving the funds, it successfully completed ingredient procurement and equipment upgrades, leading to a steady increase in daily revenue [2] - The Bank of China Beijing Branch has provided 131 million yuan in loans to the restaurant industry and a total of 340 million yuan to the service consumption sector, significantly alleviating the financing difficulties faced by private and small enterprises [2] - Looking ahead, the Bank of China Beijing Branch plans to strengthen communication with relevant industry authorities and continue to leverage the policy opportunities to enhance financial support and innovate financial products and services [2]