除了对企业客户的支持，兴业银行青岛分行也将让利政策延伸至广大金融消费者。分行持续实施个人客 户通过手机银行、网上银行办理境内跨行人民币汇款手续费全免政策，有效降低了公众的金融交易成 本。此外，通过不断优化服务流程、提升业务处理效率，客户在享受价格减免的同时，也获得了更便 捷、更高效的服务体验。 同时，兴业银行青岛分行坚决贯彻国家关于服务实体经济、惠企利民的政策部署，始终秉持"金融为 民"的初心使命，聚焦小微企业、个体工商户与市民群众在日常经营和生活中遇到的"急难愁盼"问题， 主动推出并扎实落实一系列减费措施，覆盖账户服务、转账汇款、票据业务、支付结算等关键环节，为 实体经济纾困减负，传递出金融服务的温度与担当。 兴业银行青岛分行相关负责人表示，减费让利并非短期举措，而是践行社会责任、实现可持续发展的长 期承诺。未来，兴业银行青岛分行将继续紧跟政策方向和市场需求，持续丰富普惠金融产品与服务供 给，以更务实、更优质的金融服务，为青岛经济高质量发展注入更多"兴业"力量。（宋沛航） 编辑：赵鼎 登录新浪财经APP 搜索【信披】查看更多考评等级 转自：新华财经 近年来，兴业银行青岛分行始终将小微企业和个体工商户作为重点 ...

为深化落实减费让利工作，着力提升金融服务质效，兴业银行于2025年7月1日起启用新版服务收费价目 表，新版本在原基础上改进并下调部分服务项目收费标准，进一步扩大减费让利范围，增强惠企利民成 效。 2025年，兴业银行天津分行加大减费让利政策宣传，将惠企利民政策点对点、面对面精准推送向市场， 让金融服务更有温度。2025年兴业银行天津分行通过网点滚动屏、大厅电子屏、易拉宝、折页等线下渠 道持续扩大宣传力度，累计发放宣传折页千余份，电子屏播放次数超万次，有效提升了政策知晓度和影 响力。 兴业银行天津分行在强化政策宣传同时也将"减费让利 惠企利民"落在实处。截至2025年8月末，兴业银 行天津分行当年累计减免费用730.35余万元，惠及客户6.52万，其中减免企业客户约685.44万元。业务 范围涵盖存取款手续费、企业网银、信用卡年费等在内的160项。 兴业银行天津分行将继续把"减费让利"作为落实"我为群众办实事"的切入点和着力点，优化业务流程， 完善相关机制，创新工作方法，切实增强金融消费者的满意度，为更好地服务实体经济、壮大京津冀地 区发展贡献兴业力量。 7 CA ...

实体经济是国家经济的基石。为切实落实关于降低实体经济融资成本、提振市场主体活力的决策部署， 兴业银行西安分行重点聚焦小微企业与个体工商户等关键领域，推出多项减费让利措施，助力企业轻装 上阵，为实体经济的高质量发展提供坚强的金融支持。 据统计，本年度1月至8月，该行累计为企业减免各类手续费达2150万元，惠及企业300余家；累计承担 相关信贷融资费用超过400万元，涉及客户9100余户。 未来，兴业银行西安分行将继续坚持金融服务实体经济的初心，持续优化减费让利举措，不断提升金融 服务水平。通过提供更加优质、便捷、低成本的金融服务，为企业的发展保驾护航，为经济社会的繁荣 贡献更多力量。（刘洁） （注：此文属于央广网登载的商业信息，文章内容不代表本网观点，仅供参考） 据了解，该行不仅积极响应国家四部委、中国支付清算协会、中国银行业协会等的要求和倡议，主动减 免账户管理费、年费、转账手续费等规定项目的费用，还针对企业经营中的痛点，采取了一系列有效 的"组合拳"，显著提升了金融服务的适配性。 其中自2024年9月30日起，该行延长支付手续费优惠措施期限。2025年7月1日，兴业银行全面启用新版 服务收费价目表，价目表中 ...

"企业贷款综合融资成本清单"（贷款明白纸）推广宣传以来，贵州银行安顺分行加大工作力度，强化政策宣导，提升沟通协调能力，帮助企业算好"减费让 利明白账"，推动明示工作增量扩面，提升金融服务实体经济质效。 企业融资更透明—— "为了获得贷款，我们常常需要花费大量时间精力准备资料，对于生产窗口期的企业来说，是时间和资金的双重压力！"5月28日，安顺远景新材料有限公司 总经理徐俊伟对贵州银行安顺分行的营销走访人员说。 了解到公司是省级"专精特新"企业，贵州银行安顺分行主动上门对接，通过"企业贷款综合融资成本清单"向企业展示多个贷款方案下的综合融资成本。因该 公司是科技型企业并拥有多项专利权，该行向其推荐股权和专利权质押，在信贷审查、用贷利率上给予一揽子优惠政策。并告知企业可申报政府专利权质押 融资补贴，同时享受进一步简化贷款审批程序的便利。双方确认除贷款利息外，无其他成本。10个工作日后，公司收到贵州银行安顺分行的1990万元的信贷 资金。 "'企业贷款综合融资成本清单'不仅让我们清楚了解融资成本，还通过精准对接优惠政策，帮我们实实在在省下了钱，是支持企业更好发展的'实招'。"徐俊 伟说。 "原以为融资成本和往年差不 ...

Core Viewpoint - Multiple banks and their wealth management subsidiaries have recently reduced the fees associated with wealth management products, primarily focusing on fixed management fees and sales service fees, with some rates even adjusted to zero [1][2][3]. Fee Adjustments - The fee reductions include fixed management fees and sales service fees, with institutions like Nanjing Bank and Bank of China announcing significant cuts [2][3]. - For example, Nanjing Bank's subsidiary reduced the fixed management fee from 0.8% per year to 0.4% per year for a specific product [2]. - Bank of China lowered the sales service fee for its products, with A-class shares dropping from 0.30% to 0.15% and C-class shares from 0.40% to 0.10% [2]. - Some products have had their fees reduced to zero, such as those from China Merchants Bank and Huaxia Bank [3]. Market Competition - The fee reductions are seen as a competitive strategy among banks to attract customers amid a slowdown in product issuance and subpar returns [4][5]. - The wealth management market, with a balance of 29 trillion yuan and a growth rate of around 12%, has the capacity to lower fees while still generating significant returns for investors [4]. - Analysts suggest that the competition among banks is intensifying, particularly as wealth management subsidiaries continue to emerge and adapt to new regulations [4][5]. Long-term Trends - Experts predict that while the current trend of fee reductions may continue in the short term, it is unlikely to be a permanent shift [6]. - The long-term outlook suggests that fee structures will stabilize as the market for net value products matures [6]. - Different banks and wealth management companies are expected to adopt varied pricing strategies, leading to further differentiation in fees and services [6].

Core Viewpoint - The Chinese banking sector is actively implementing fee reduction policies to support small and micro enterprises, enhancing service efficiency through financial technology, and ensuring that the benefits of these policies reach the intended beneficiaries [1][2][4][7]. Group 1: Fee Reduction Policies - Major banks like Agricultural Bank of China and Industrial and Commercial Bank of China have highlighted their efforts in reducing fees and taxes, with over 82 million market entities benefiting from a total of 12 billion yuan in fee reductions since the implementation of the policies [1][2]. - Agricultural Bank of China has created clear public announcements regarding fee reductions, utilizing various channels to ensure that small and micro enterprises are well-informed about the available benefits [2][3]. - As of the end of 2021, Industrial and Commercial Bank of China increased its free service items from 109 to 149, demonstrating a commitment to supporting struggling small businesses [3]. Group 2: Financial Technology Integration - Financial technology is playing a crucial role in accurately delivering the benefits of fee reductions to small and micro enterprises, with the People's Bank of China establishing a dynamic identification mechanism for these businesses [4]. - Minsheng Bank has implemented system upgrades to automate the identification of clients eligible for fee reductions, resulting in a total fee reduction of 262 million yuan benefiting 647,000 small and micro enterprises by the end of 2021 [4]. - Industrial Bank has integrated facial recognition technology into its account opening processes, enhancing efficiency and accessibility for small businesses [5]. Group 3: Direct Impact of Policies - In response to the COVID-19 pandemic, China CITIC Bank's Shanghai branch ensured uninterrupted cross-border services for businesses, processing nearly 500 million yuan in transactions to support local supply chains [6]. - The bank has also waived various transaction fees for approximately 50,000 enterprises, demonstrating a proactive approach to mitigating the financial impact of the pandemic [6]. - Industrial Bank has expanded its fee reduction initiatives to all corporate clients, with a total reduction of 24 million yuan benefiting 310,000 small and micro enterprises from September 2021 to February 2022 [7]. Group 4: Monitoring and Feedback Mechanisms - The People's Bank of China has established a regular monitoring mechanism to ensure the effective implementation of fee reduction policies, conducting visits to over 100,000 bank branches and 110 payment institutions [7]. - Feedback from market entities indicates that over 90% are satisfied with the execution of the fee reduction policies, reflecting the positive reception of these initiatives [7].

Core Viewpoint - The Agricultural Development Bank of China (ADBC) in Emeishan City has initiated a pilot program to enhance transparency in corporate loan financing costs, providing a comprehensive cost list to businesses, which has significantly improved their understanding of financing expenses [1][3]. Group 1: Pilot Program Implementation - The pilot program for disclosing comprehensive financing costs was launched by ADBC Emeishan City branch, resulting in over 600 million yuan in credit support within two months [3]. - The initiative addresses the confusion businesses face regarding total financing costs, which hampers their ability to evaluate financing options accurately [3][4]. - ADBC identified this issue through market research and feedback from enterprises, positioning it as a key area for improving the business environment and service quality [3][4]. Group 2: Key Features of the Cost List - The cost list is standardized, covering all potential fees associated with loans, ensuring no costs are overlooked [4]. - The list is presented in a visual format, making it easier for clients to understand the breakdown of financing costs, including specific amounts and the entities charging them [4]. - The program emphasizes visible cost reductions, highlighting fees waived by the bank, such as assessment and registration fees, allowing businesses to clearly see the benefits of the bank's policies [4][5]. Group 3: Benefits for Businesses and the Bank - For businesses, the initiative leads to better financial decision-making, enhanced access to policy benefits, and an overall improved sense of satisfaction [5]. - For the bank, it promotes refined internal management, encourages the reduction of unnecessary fees, and optimizes service processes, ensuring that cost reductions are tangible and evident [5].

Core Insights - The banking industry is facing challenges in balancing profitability and customer satisfaction due to shrinking net interest margins, prompting a shift towards increasing fee-based income from intermediary services [1][4][6] Group 1: Fee Adjustments and Revenue Generation - Several banks, including both small and large institutions, have recently announced new or adjusted service fees, such as charging for credit reports and ATM withdrawals [2][3] - The adjustments in service fees are primarily aimed at enhancing intermediary business income to counteract the pressure from declining net interest margins [5][6] - Regulatory data indicates that the net interest margin for commercial banks fell to 1.43% in Q1 2025, marking a historical low, while non-performing loan rates increased, further squeezing traditional interest income [4] Group 2: Compliance and Customer Relations - Banks are required to comply with the "Commercial Bank Service Price Management Measures," ensuring that any new or adjusted fees are properly registered and publicly announced [7] - The importance of service fees has grown among consumers, influencing their choice of banking services, which may lead to a shift towards providers offering better value [7][8] - The introduction of new fees is seen as a necessary measure to cover operational costs and improve service quality, but it also raises the challenge of managing customer experience effectively [6][8]

Group 1 - Several banks have introduced new service fees to cope with the pressure on net interest margins, including UHQ Bank and Suzhou Bank, as part of a necessary measure to seek "cost reduction and revenue increase" in a low-interest environment [1] - Local regulatory authorities have implemented prohibitive measures against "fancy" deposit solicitation practices, aiming to maintain competitive order in the deposit market and reduce banks' liability costs [1] - The People's Bank of China and the State Administration of Foreign Exchange have allowed banks in Fujian Province to handle cross-border RMB payment services for Taiwanese residents involved in legal property transactions [1] Group 2 - Qingdao Bank's largest shareholder is set to change as Guoxin Group plans to increase its stake to nearly 19.99%, surpassing Haier Group and Italy's UniCredit, which is expected to positively impact the bank's stock price [3] - The National Financial Regulatory Administration has approved the senior management qualifications of Xu Mingjie and Wu Jiong, indicating a focus on the qualifications of senior management in financial institutions [4] - Tianjin Binhai Rural Commercial Bank has appointed a new Party Secretary, with a focus on improving asset quality and addressing a relatively high non-performing loan ratio of 2.61% [4] Group 3 - Xiamen International Bank has appointed Wang Fei as the new Party Secretary and proposed him as the chairman, while the previous leader Wang Xiaojian has stepped down due to work changes [5] - Guangdong Rural Credit Union is undergoing significant reforms, planning to establish a Rural Commercial Bank to enhance capital strength and improve risk management capabilities, with total assets reaching 4.8 trillion yuan [5]