Core Viewpoint - China Merchants Bank Nanchang Branch has been committed to serving the local economy and social welfare in Jiangxi for 27 years, focusing on differentiated, refined, intelligent, and professional financial services to support economic development and improve people's livelihoods [1] Financial Development and Services - The bank has implemented the "1269" action plan during the 14th Five-Year Plan period, aiming to achieve over 100 billion yuan in loans and over 140 billion yuan in deposits by September 2025, serving over 4.34 million personal customers and nearly 70,000 corporate customers [1] - The bank has established a "six specialized" mechanism in technology finance, providing differentiated financial services to tech enterprises, with a technology finance loan balance exceeding 11.6 billion yuan and an annual increase of nearly 3.2 billion yuan by September [2] - In green finance, the bank promotes various green loan products, achieving a green loan balance of over 8 billion yuan with an annual increase of nearly 1.8 billion yuan [2] - The bank has set up a working group for small and micro enterprise financing, resulting in a balance of inclusive loans exceeding 23.3 billion yuan and an annual increase of nearly 1.1 billion yuan [2] Support for Key Industries - The bank focuses on supporting key industries such as non-ferrous metals, electronic information, equipment manufacturing, new energy, and pharmaceuticals, with a target loan growth rate exceeding the average growth rate of corporate loans by 13.5 percentage points [3] - By 2025, the bank plans to invest over 10.7 billion yuan in 12 key industrial chains, enhancing support for regional quality industries [3] Rural Revitalization Initiatives - The bank emphasizes support for rural areas, particularly in renewable energy projects, with nearly 100 million yuan in loans for rural infrastructure and over 3 billion yuan in new loans for agriculture and rural development by 2025 [4] - The bank actively supports specific villages in Jiangxi, enhancing local industries and community projects to improve residents' income [4] Innovation and Customer Service - The bank prioritizes customer-centric service, implementing a "one-hour response" mechanism to enhance customer satisfaction and service experience [5] - The bank integrates counter and lobby services to create a seamless service experience, recognized as a model for civilized service [5] Product and Business Innovation - The bank promotes various digital products such as "Salary Welfare," "E-Catering," and "Financial Management Cloud," providing comprehensive solutions for enterprises [6][7] - The bank has developed innovative financing products based on government procurement contracts, supporting over 500 suppliers [7]

Group 1 - The "Caiyunzhinan·Kunming" cross-border tourism train symbolizes the cultural integration mission between China and Laos, serving as a new link for cross-border tourism and a testament to the efforts of Industrial Bank Kunming Branch in promoting regional cultural tourism development [1] - Industrial Bank Kunming Branch focuses on the construction of a green financial ecosystem in Yunnan, integrating financial services into various sectors of the cultural tourism industry, including sightseeing, transportation, accommodation, and intangible cultural heritage [1] Group 2 - The bank aligns with Yunnan's "Strong Transportation Province" strategy, combining support for cultural tourism transportation with green finance, creating a comprehensive travel network that includes rail, road, and urban transport [2] - Financing support is provided for the "Caiyunzhinan·Kunming" train, linking interest rates to the occupancy rate of senior passengers, promoting the integration of cultural tourism finance with elderly finance [2] - The bank has launched innovative financing products to support the electrification of passenger and commercial vehicles, investing over 300 million yuan in loans for the replacement of traditional taxis and ride-hailing vehicles with new energy vehicles [2] Group 3 - Industrial Bank Kunming Branch focuses on revitalizing core scenic areas in Yunnan through a service model that combines asset activation and scene upgrading, transforming dormant resources into sustainable industrial advantages [3] - The bank has implemented a "banking + commercial" collaborative model to facilitate private asset securitization projects, aiding in the upgrade and operational improvement of scenic spots like Tengchong and Shun Ancient Town [3] - Tailored financing solutions have been provided for local cultural tourism projects, supporting infrastructure improvements and the development of cultural facilities, contributing to the transformation of fishing villages into new landmarks [3] Group 4 - The bank has developed a financial service system for accommodation that includes high-end hotels,特色民宿, and travel-related services, addressing the diverse needs of different customer segments [4] - Special financial products have been introduced to assist small and micro enterprises, guesthouses, and inns in overcoming financing challenges related to asset-light operations and lack of collateral [4] - The bank aims to continuously inject financial vitality into the high-quality development of Yunnan's cultural tourism industry through innovative products and efficient services [4]

精准支持产业低碳转型。该行聚焦企业节能降碳核心需求，提供针对性金融解决方案，成功为某重点企 业节能降碳技术改造项目审批发放4000万元设备购置贷款，专项用于支持双辊挤浆机、蒸汽箱等核心节 能设备的购置与安装。这笔期限5年的贷款，将有效助力企业优化生产工艺流程，显著降低能源消耗与 碳排放水平，推动企业实现绿色升级。 转自：新华财经 在绿色发展成为时代主旋律的当下，工商银行钦州分行积极实践绿色金融，将绿色金融作为服务实体经 济、推动区域高质量发展的重要抓手，通过精准施策、创新服务，在支持产业低碳转型、清洁能源发 展、生态修复保护等方面取得积极成效，为构建区域低碳发展新路径贡献金融力量。截至2025年10月 末，该行绿色贷款余额达36.14亿元，切实将"点绿成金"的理念转化为扎实的行动与可见的成效。 全力守护江河生态本底。该行积极投入水资源保护与流域治理，大力支持南流江支流（灵山段）环境综 合治理工程，信贷资金有效保障了当地污染治理与生态修复工程顺利实施，显著改善流域水环境质量， 探索生态保护与沿岸产业绿色升级的协同发展模式，为流域经济可持续发展铺就绿色通道。 通过持续深耕绿色金融领域，该行不仅有力守护了钦州的绿水 ...

登录新浪财经APP 搜索【信披】查看更多考评等级 新浪财经ESG评级中心提供包括资讯、报告、培训、咨询等在内的14项ESG服务，助力上市公司传播ESG理念，提升ESG可持续发展表现。点击 查看【 ESG评级中心服务手册】 12月2日，第13届中国责任投资论坛（China SIF）年会在京成功举行。年会由商道融绿主办，联合国环境规划署金融倡议（UNEP FI）、联合国可持续证券 交易所倡议（UN SSE） 联合主办。来自监管、市场和学术界的数十位专家围绕"重构全球格局，发现新兴机遇"这一主题发表观点。来自金融机构、上市公 司及学术机构等300多位代表现场参会，线上观看人次首次超过百万。 中国责任投资论坛理事长、商道融绿董事长、联合国环境规划署金融倡议（UNEP FI）中国代表郭沛源主持本届年会。他介绍道，在全球ESG发展面临波动 的情况下，中国积极推动绿色转型，绿色金融市场规模持续上升，以气候相关披露为重点的可持续披露准则也广受关注。在此背景下，本届年会旨在聚焦 ESG的最新进展，探讨可持续金融的新格局和新机遇。 第一轮主旨演讲环节聚焦"国内外ESG发展态势"。 全国社保基金理事会原副理事长、中国责任投资论坛名 ...

Group 1 - The Hong Kong government aims to enhance its commodity market by leveraging global asset value reassessment and increasing interest in precious metals [1] - Hong Kong's financial market strengths are primarily in stocks, bonds, and foreign exchange, with a noted lack of emphasis on the commodity market [1] - The establishment of a gold central clearing system and collaboration with the Shanghai Gold Exchange are key initiatives to boost Hong Kong's precious metals market [1] Group 2 - The London Metal Exchange has approved Hong Kong as a delivery location, increasing the number of approved warehouses to 12 within nine months, with over 8,000 tons of non-ferrous metals stored [1] - This development is expected to benefit the real economy by reducing logistics costs for businesses using warehouses in Hong Kong [1] - Future plans include expanding the commodity market beyond precious metals and offering tax exemptions for goods traded through shipping to Hong Kong [1] Group 3 - Hong Kong is recognized as a prominent green financing center, particularly for bond issuance, with sustainable bond issuance projected to exceed $43 billion in 2024 [2] - The city attracts investors interested in green finance and provides issuers with opportunities to promote local economic plans, which is crucial for future investment attraction [2] - The goal is to develop Hong Kong as a "one-stop" platform to meet international investors' needs for accessing the mainland market [2]

Core Viewpoint - The approval of Innovation Industry for listing on the Hong Kong Stock Exchange marks a significant development in China's aluminum industry, highlighting the company's role as a benchmark enterprise in the sector [1] Group 1: Company Actions - China Merchants Bank Wealth Management successfully allocated over 10 million yuan in the IPO of Innovation Industry, with 11 of its products included in the allocation [1] - The participation in Innovation Industry's IPO is part of the company's efforts to promote green finance and support the internationalization of Chinese manufacturing enterprises [1] Group 2: Industry Implications - The listing of Innovation Industry is seen as a typical case of the company's commitment to serving the real economy, fostering innovation, and supporting green development [1]

据了解，绿色外债业务试点政策优化了符合条件非金融企业的跨境融资宏观审慎管理，允许专项用于绿 色发展或低碳转型项目的外债资金在统计跨境融资余额时，可占用更少的外债额度，精准支持企业借用 外债扩大投资绿色发展或低碳转型项目，提升全球资源要素在我国绿色低碳发展领域的配置效能。 记者了解到，为下好绿色外债业务试点"先手棋"，国家外汇管理局上海市分局前期充分发挥"外汇局+银 行+企业"合力，夯实管理基础，提高宣传质效，并主动对接"双碳"产业融资需求，提前做好绿色外债项 目储备，引导企业用好用足试点政策，实现跨境融资降本增效。该局还将不断拓展绿色外债的产品分 类，支持银行和企业向绿色债券、绿色银团等多层次、多元化的绿色金融产品体系发展，丰富试点政策 业务内涵，并不断总结试点经验，稳妥有序增量扩面，以惠企利民的实际行动为上海"双碳"产业高质量 发展注入绿色金融新动能。 在首批试点业务中，中国银行上海市分行为上海某智能供应链企业完成1500万美元绿色外债签约登记， 企业所借资金用于建立华东运营总部绿色仓储项目，该项目将提升长三角科创走廊智慧供应链产业发展 水平。企业从申请到办结绿色外债签约登记并实现提款，在一个工作日内全部完 ...

在支持科技企业方面，中信银行落地多笔并购贷款项目，总规模达 30 亿元人民币（约合 4.22 亿美 元），涵盖科技并购贷、科技改造贷、科技固定资产贷等品类，目前已在全国投放 18 笔相关贷款。此 外，该行还牵头主承销了全国首批科技创新债券，包含 9 只债券，重点投向民营企业扶持、产业投资等 领域。 技术创新层面，该行自主研发的仓颉 AI 平台整合了 OpenAI 协议、深度求索等大语言模型，已在财富 管理、客户服务等 80 余个银行业务场景完成应用探索。2024 年全年，通过 AI 技术的全面落地，该行 实现了相当于 1.5 万人年的效率提升。 12月4日金融一线消息，国际权威财经媒体英国《银行家》（The Banker）杂志近日揭晓年度银行榜 单，中信银行、中国银行（香港）、中国工商银行（澳门）荣获2025年度亚太地区最佳银行大奖。 中信银行荣膺中国年度最佳银行 据介绍，中信银行凭借全方位业务革新，以及运用人工智能打造适老服务场景的举措，荣膺中国年度最 佳银行。 在适老服务领域，该行依托养老保障体系，针对老年客群积极开展金融知识普及活动，帮助老年客户提 升认知并合理选择储蓄账户、养老基金等产品。同时，该行还 ...

Summary of Key Points from Conference Call Industry Overview - **Industry**: Banking Sector - **Forecast Year**: 2026 Core Insights and Arguments 1. **Loan Structure Predictions for 2026**: - Real estate loans are expected to maintain a stable proportion - Manufacturing loans will benefit from high-end manufacturing and industrial upgrades - Technology finance loans are anticipated to grow significantly but come with risks - Wealth management focusing on high-net-worth clients is identified as a major growth area [1][3][4] 2. **Financial Policy Focus for 2026**: - The core of financial policy will support the development of new productive forces, with a focus on technology finance - A bottom-line thinking approach will be maintained to prevent systemic financial risks, with potential policy easing if economic or real estate markets face pressure [4][5] 3. **Investment Opportunities in Banking**: - Bank stocks are characterized by weak cyclical attributes, expected to continue in 2026 - High-quality regional rural commercial banks, large banks, and banks with a significant proportion of high-net-worth clients are seen as more competitive in technology, manufacturing, and wealth management sectors [6] 4. **Infrastructure Loan Outlook for 2026**: - Infrastructure loans are expected to rebound, supported by a 500 billion policy financial tool and the rapid growth of new infrastructure projects like clean energy [7] 5. **Manufacturing Loan Resilience**: - Manufacturing loans are projected to remain resilient, supported by the "15th Five-Year Plan" emphasizing high-end manufacturing and traditional industry upgrades [8] 6. **Challenges and Opportunities in Technology Finance**: - Technology finance is a key development area with high growth potential, but banks must manage associated risks effectively [9][15] 7. **Trends in Wealth Management**: - High-net-worth clients are identified as the main source of opportunities in wealth management, with a trend of resident deposits flowing into the stock market expected to continue [2][10] 8. **Trends in Infrastructure Investment**: - Traditional infrastructure projects are expected to continue a slow decline, while new infrastructure areas like AI and clean energy will see strong demand [11] 9. **Manufacturing Export Outlook**: - Manufacturing exports are expected to be supported by market structure adjustments, with a moderate slowdown in growth anticipated [12] 10. **Financial Support for New Industrialization**: - Measures include increasing support for traditional industry upgrades and green finance, with banks required to include new industrialization in their long-term strategies [14] Additional Important Insights - **Real Estate and Consumption Outlook**: - The real estate market is expected to remain stable, with potential policy measures to stabilize the market if necessary [17] - Consumer performance in 2025 is described as generally weak, with a need for significant policy support to improve consumption rates [20][21] - **Impact of New Internet Loan Regulations**: - New regulations affecting internet loans with interest rates above 24% may pose risks to certain market segments, particularly in lower-tier markets [22] - **Investment Targets for 2026**: - Quality regional rural commercial banks and certain urban banks are highlighted as promising investment targets, with average dividend yields exceeding 4% for A-shares and around 5% for H-shares [23]

2025年，是"绿水青山就是金山银山"理念提出20周年，是"双碳"目标提出5周年，也是中央金融工作会 议明确"绿色金融"等五篇大文章2周年。近年来，烟台金融监管分局紧紧围绕烟台市绿色低碳高质量发 展大局，深入贯彻落实国家及省市相关政策部署，坚持监管引领与服务实体相结合，引导辖区大型银行 切实发挥"头雁"作用，持续聚焦重点领域、优化金融服务、深化金融创新，为打造绿色低碳高质量发展 示范城市注入强劲动力。 引领信贷总量稳步增长 实现绿色规模"新突破" 烟台金融监管分局通过制定工作指引、开展季度监测、实施差异化监管等措施，引导大型银行持续加大 绿色信贷投放力度。截至2025年10月末，辖区大型银行绿色贷款余额突破1300亿元大关，较年初增幅达 20.8%，高于各项贷款平均增速9.73个百分点。在规模稳步增长的同时，信贷质量保持优异水平，绿色 贷款不良率仅为0.006%，远低于各项贷款平均水平。绿色贷款客户覆盖面显著扩大，存量户数突破1.65 万户，较年初增幅12.05%。绿色贷款占全部贷款比重提升至25.6%，较年初提高2.07个百分点，绿色金 融已成为信贷增长的重要引擎。 推动流程体系健全优化 构建绿色融资"新格 ...