Core Insights - The interest income of South Korea's four major financial holding companies is expected to decline for the first time in five years, while net profits are projected to grow by over 10%, reaching a historical high [1][3]. Group 1: Interest Income Trends - The total interest income for KB Financial, Shinhan Financial, Hana Financial, and Woori Financial is projected to be 101.4737 trillion KRW (approximately 486.1 billion RMB), representing a 4% year-on-year decrease [1][3]. - This decline in interest income is attributed to sustained high benchmark interest rates and a slowdown in loan growth, particularly in real estate mortgage loans [3]. - Specific forecasts for interest income include KB Financial at 29.7128 trillion KRW (down 2.6%), Shinhan Financial at 27.4129 trillion KRW (down 6.2%), Hana Financial at 23.0083 trillion KRW (down 4.5%), and Woori Financial at 21.3397 trillion KRW (down 3.1%) [3]. Group 2: Net Profit Projections - Despite the decline in interest income, the total net profit for the four financial holding companies is expected to reach 18.5454 trillion KRW, marking a 10% increase year-on-year and setting a new historical record for the second consecutive year [5][6]. - Individual net profit forecasts include KB Financial at 5.752 trillion KRW (up 14.4%), Shinhan Financial at 5.2513 trillion KRW (up 15%), Hana Financial at 4.1215 trillion KRW (up 9%), and Woori Financial at 3.4206 trillion KRW (up 8%) [5][6]. - Industry experts note that the anticipated interest rate cuts were expected to compress net interest margins; however, sustained high rates have led to relatively stable profit performance [6].

人民财讯12月7日电，中国共产党广西壮族自治区委员会关于制定国民经济和社会发展第十五个五年规 划的建议发布。其中提出，深化财税金融改革。加强财政科学管理，强化财源建设，规范政府非税收入 管理。加强财政资源和预算统筹，强化重大战略任务和基本民生财力保障。加强财政金融联动。推进财 政体制改革，完善转移支付制度，增强基层自主财力。推动地方税制结构优化，精准落实税费优惠政 策。深化零基预算改革，统一预算分配权，强化预算绩效管理，优化财政支出结构，完善国库集中收付 制度，加强财会监督。畅通货币政策传导机制。推动人工智能与金融双向赋能。建立健全与创新相适应 的科技金融体制。鼓励金融机构进行绿色金融创新。持续完善普惠金融标准化产品体系。丰富发展养老 金融产品和服务。优化融资担保体系，完善金融服务实体经济政策。积极发展股权、债券等直接融资， 培育壮大耐心资本，支持上市公司提质。推动地方法人金融机构深化改革、减量提质。推动数字人民币 稳步发展，深化跨境金融创新，扩大人民币跨境使用。 ...

新京报贝壳财经讯 12月6日，央行网站显示，2025中国金融学会学术年会暨中国金融论坛年会在北京开 幕。中国金融学会理事会会长易纲作题为《锚定高质量发展 构建中国特色现代金融体系》的主旨演 讲。他指出，在党中央的坚强领导下，中国金融业始终坚持以人民为中心，服务经济建设和社会发展大 局，实现了历史性跨越，取得卓越成就。在全面建设社会主义现代化国家新征程中，普惠金融发展要继 续体现包容性，充分做到"以人民为中心"，坚持商业可持续的原则，以金融活水惠及普通百姓。绿色金 融发展要逐步减少碳排放的负外部性并不断收窄绿色溢价，以市场化方式动员社会资本积极参与，共同 推动全经济领域绿色低碳转型。 校对 赵翀琳 ...

Core Viewpoint - China Ping An's Qingdao Property Insurance Company has launched an innovative agricultural insurance model centered on digital mapping, marking a significant step towards high-quality development in agricultural insurance [1][2][3] Group 1: Innovation in Agricultural Insurance - The "Double Precision" operational model utilizes high-precision digital maps to ensure accurate underwriting and claims processes, addressing long-standing issues in traditional agricultural insurance such as data inaccuracies and unclear loss assessments [1][2] - The model transitions from an "experience-driven" approach to a "data-driven" one, employing satellite remote sensing, AI recognition, and meteorological big data for comprehensive monitoring of crop growth [1][2] Group 2: Enhancing Accessibility and Fairness - The "Ainongbao" app allows farmers to self-insure, verify standards, report claims, and check claim statuses, breaking down barriers that previously favored larger agricultural operators [2] - The initiative aims to ensure that agricultural policies benefit all operators, supporting the development of green insurance products and promoting sustainable agricultural transformation [2] Group 3: Recognition and Future Plans - The innovative practices have received high praise from authoritative bodies, including the Ministry of Agriculture and Rural Affairs and experts from Central University of Finance and Economics, highlighting their replicable and scalable value [2] - The company plans to continue enhancing its "insurance + technology + service" model to provide robust support for rural revitalization and contribute to financial services for agriculture [3]

上海市贸促会副会长顾春霆、《国际金融报》总编辑徐冲为荣获"园区行"卓越贡献奖的交通银行上海市分行、上海市融资担保中心代表，以及荣获优秀 贡献奖的工行上海市分行、农行上海市分行、中行上海市分行、建行上海市分行、浦发银行上海分行、光大银行上海分行、上海银行、上海农商行、江苏银 行上海分行、太平洋财险航运保险事业营运中心代表颁奖。 12月4日，由上海金融业联合会、申万宏源证券、闵行区人民政府联合主办的第十九届上海金融服务实体经济洽谈会（下称"金洽会"）闭幕大会暨第三 届科创金融大会在闵行区大零号湾科创大厦会议中心举行。 上海金融业联合会理事长单位代表、交通银行副行长杨涛回顾了第十九届"金洽会"园区行情况并表示，"金洽会"园区行是联合会践行"金融为民"理念、 畅通金融服务渠道的创新实践，也是金融机构贴近产业一线、倾听企业呼声的务实调研。交通银行将与广大金融机构用好用实"园区行"成果：贯彻落实党中 央战略部署，助力服务上海现代化产业体系建设；大力支持联合会发挥作用，扎实推进普惠金融顾问制度走深走实；紧密围绕实体企业关切，持续推动科技 金融服务创新。 会上举行了"全球金融机构走进中国金融市场"系列活动启动仪式。杨涛与中国 ...

中原信托自1985年成立以来，始终与河南经济社会发展同频共振，历经四十载深耕积淀，已成为服务地 方经济的重要金融力量。近年来，面对复杂多变的经济环境和行业转型挑战，中原信托坚持稳中求进， 深入践行金融工作的政治性和人民性，紧紧围绕服务实体经济、防控金融风险、深化金融改革三大任 务，持续提升专业能力与服务效能；依托信托制度优势，积极布局资产服务信托、资产管理信托和公益 慈善信托三大业务类型，深度融入科技金融、绿色金融、普惠金融、养老金融、数字金融等重大战略领 域，助力构建新发展格局；经营发展保持稳健态势，营业收入、净利润等主要经营指标在行业排名稳步 提升；转型创新成效显著，管理的信托资产规模保持在4000亿元左右，其中标品业务规模近1000亿元， 财富管理、家族信托、预付金信托等本源业务快速发展，服务实体经济的质效持续增强。 近日，中原信托有限公司（以下简称"中原信托"）陆续收到国家金融监督管理总局河南监管局批复和河 南省市场监督管理局新营业执照，标志着中原信托2025年增资扩股工作圆满完成，体现了省委、省政 府、省财政厅以及股东单位对中原信托发展前景的坚定信心和鼎力支持。增资后，中原信托注册资本达 到50亿元 ...

地域辽阔、人口分散，曾是制约少数民族地区金融服务提升的瓶颈，甘肃银行酒泉分行"主动下沉"，打 通金融服务堵点。针对肃北马鬃山矿区工人、边境公路建设者往返县城办卡不便的实际困难，辖内肃北 支行组建"流动金融服务队"，驱车深入项目一线，工歇间隙、用餐时分，就是他们的"营业时间"，累计 为3000余名一线建设者提供便捷服务，保障工资精准直达。面对牧户居住分散的特点，甘肃银行肃北支 行与阿克塞支行因地制宜，组建"党员牧区服务突击队"，紧随牧民转场足迹，在夏季牧场、冬定居地设 立临时服务点，用蒙汉、哈汉双语为两地800余户牧民办理基础金融业务，将接收补贴、日常结算的"放 心卡"送到牧民手中，有效解决了偏远牧区群众"跑远路、办卡难"的痛点。"甘肃银行的服务真是太好 了，以前取个补贴要跑一天，现在卡在手边，钱'嗖'一下就到了，太方便了！"阿克塞哈萨克族自治县 阿勒腾乡的牧民哈吉别克高兴地说道。牧民们朴实的笑容，是对服务最好的褒奖。 图为甘肃银行肃北支行深入牧区办理业务 聚焦产业发展，精准滴灌激活发展"新动能" 两地支行深知，产业兴则县域兴、百姓富。甘肃银行肃北支行与阿克塞支行精准把握两地"矿牧游"产业 脉搏，以金融之力强链 ...

Core Viewpoint - The articles highlight significant developments and achievements of Shenwan Hongyuan in various sectors, including capital markets, technology finance, inclusive finance, and green finance, showcasing the company's strategic initiatives and successful partnerships. High-Quality Development - Shenwan Hongyuan successfully hosted the "2026 Capital Market Investment Conference" in Shanghai from November 18-21, featuring key executives and the launch of the "Shenxiang Custody Operation Service Platform," marking a comprehensive upgrade in custody operations [1] - The "Xuhui District AI Financial Technology Ecological Alliance" was officially announced during the conference, focusing on the integration of AI and finance [1] Strategic Partnerships - Shenwan Hongyuan signed a strategic cooperation agreement with China Guoxin Holdings on November 25, with key executives from both companies witnessing the signing [3] Technology Finance - Shenwan Hongyuan acted as the lead underwriter for the first "Belt and Road" company bond focused on energy supply, issued by China National Petroleum Corporation, with a scale of 6 billion and a coupon rate of 1.99% [5] Inclusive Finance - The company successfully issued the first small micro-financial bond for CITIC Baixin Bank, with a scale of 2 billion and a coupon rate of 1.98%, setting a historical low for internet commercial banks [8] Support for Capital Market Listings - Shenwan Hongyuan assisted Shenzhen Kangtaijian Medical Technology Co., Ltd. in successfully listing on the New Third Board on November 25 [9] - The company also supported Liaoning Chuangshi Molybdenum Industry Group Co., Ltd. in its successful listing on the New Third Board on November 26 [10] - Additionally, Shenwan Hongyuan helped Shenzhen Dingzhi Communications Co., Ltd. achieve a successful listing on the New Third Board on November 27 [11] Green Finance - Shenwan Hongyuan facilitated the successful issuance of 20 billion green financial bonds for Shanghai Pudong Development Bank, with a coupon rate of 1.73% [12] Awards and Honors - Shenwan Hongyuan won seven awards at the "2025 Securities Industry Golden Bull Award" ceremony held on November 8 [13] - The company secured first place in the "2025 Shanghai Stock Exchange Cup" national college ETF knowledge and financial planning competition [14] - Shenwan Hongyuan's investment banking division received five awards at the "19th Shenzhen International Financial Expo" [15] - The company was recognized as a top 10 investment banking service institution at the "2025 First Financial Value Annual Meeting" [16] - Shenwan Hongyuan's research division won 24 awards at the "7th Sina Golden Unicorn Awards" [17]

Core Viewpoint - Chengdu Bank is positioned as a key player in the financial sector of Western China, focusing on supporting the real economy and demonstrating resilience and growth potential amid complex economic conditions [2][3]. Group 1: Financial Performance and Growth - As of September 2025, Chengdu Bank's total assets exceeded 1.38 trillion yuan, with deposits of 986.4 billion yuan and loans totaling 847.5 billion yuan, placing it among the top tier in the industry [2]. - The bank achieved a significant loan balance increase of 14.13% in the first three quarters of 2025, outpacing asset growth [3]. - In the first half of 2025, the bank's experience in issuing special bonds exceeded 45 billion yuan, supporting major local projects [3]. Group 2: Innovation and Technology - Chengdu Bank has developed a unique "four specialized" service model for technology finance, covering the entire lifecycle of tech enterprises, with over 80% coverage of national-level specialized and innovative "little giant" companies [4]. - The bank successfully underwrote the first batch of technology innovation bonds in May 2025, directing financial resources to cutting-edge sectors like photonic chips and biomedicine [4]. Group 3: Diverse Financial Services - The bank is actively expanding its services in five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, enhancing service quality and capacity [5]. - Chengdu Bank has supported over 530 cultural and creative enterprises with more than 4.7 billion yuan through specialized products like "Growth Loan" and "Cultural Creative Pass" [5]. Group 4: Corporate Governance and Market Confidence - The bank has demonstrated strong corporate governance and market confidence, with a total of 6.11 billion yuan in share buybacks announced by its controlling shareholder [7]. - In July 2025, the bank declared a cash dividend of 3.776 billion yuan, marking a historical high with a dividend yield of approximately 5.22% [7]. - Chengdu Bank has maintained stable dividends for eight consecutive years, totaling 17.856 billion yuan since its listing [7]. Group 5: Future Outlook - Looking ahead to the "15th Five-Year Plan," Chengdu Bank aims to continue its role in supporting the Chengdu-Chongqing economic circle with innovative and stable financial services [8].

Core Viewpoint - The "14th Five-Year Plan" emphasizes the combination of effective markets and proactive government roles, aiming to enhance the market's decisive role in resource allocation while improving government functions to build a unified, open, competitive, and orderly market system [1] Group 1: Financial Services for SMEs - The plan highlights the importance of stimulating the vitality of various business entities, particularly supporting the development of SMEs and individual businesses, which are crucial for stabilizing the economy and employment [2] - Local governments are encouraged to improve the accessibility and effectiveness of financial services for SMEs, which is a key indicator of local financial service efficiency [2] Group 2: Local Financial Service Ecosystem - Local governments should leverage local financial institutions to create a more tailored financial service system for SMEs, addressing their unique financing challenges [3] - Emphasis is placed on utilizing local financial resources and institutions that are more familiar with regional industries and client credit situations to enhance service delivery [3] Group 3: Risk Mitigation and Credit Enhancement - A robust risk-sharing and credit enhancement system is necessary for SME financing, as traditional credit methods may not suffice due to the asset-light nature of SMEs [4] - Local governments are urged to establish mechanisms such as financial risk compensation funds and government-backed financing guarantees to support SMEs [4] Group 4: Innovative Financial Supply Models - Financial institutions are encouraged to adopt agile, tiered, and scenario-based service models to meet the small, short-term, and frequent financing needs of SMEs [5] - The use of digital technology and data analytics is promoted to improve credit assessment and risk identification for SMEs [5] Group 5: Taizhou's Experience in SME Financial Services - Taizhou has developed a specialized financial system for SMEs, primarily through local banks, effectively channeling financial resources to small enterprises [6] - The city has implemented a "small bank serving small enterprises" model, with local banks employing unique credit assessment methodologies to address financing challenges [7] Group 6: Systematic Support for Financial Institutions - Taizhou has created a credit information sharing platform that aggregates extensive data to assist banks in evaluating SME creditworthiness [8] - The establishment of a trademark pledge financing platform and a credit guarantee fund has been pivotal in reducing financing costs and improving accessibility for SMEs [8] Group 7: Legal Framework for Credit Support - The implementation of the "Taizhou Enterprise Credit Promotion Regulations" marks a significant step in establishing a legal framework to support SME financing [9] - The local financial model has successfully fostered the growth of numerous SMEs with technological advantages, significantly enhancing the vitality of the local economy [9]