近日，多家银行发布公告，对动账短信提醒服务进行调整。广东华兴银行自9月16日起停止发送账 户动账金额在500元以下的相关短信提醒，湖北银行调高个人借记卡账户动账短信提醒的起点金额至100 元。此前，中国银行已针对享受终身免费短信动账通知服务的个人客户，调整其账户变动触发短信通知 的默认交易起点金额为100元。 动账提醒服务便于用户及时了解账户余额变化。通常，用户将手机号与银行卡绑定后，银行卡一旦 产生交易情况，银行便会以短信形式通知用户。目前，多数银行对该项服务采取收费模式，收费标准存 在一定差异，一般集中在每月1元至4元。部分银行虽提供免费体验期，但之后会转为自动续费。 调整动账短信提醒服务可视为银行精细化成本管理的一项举措。多家银行表示，部分动账服务将通 过手机银行进行提醒，用户只要打开手机银行相关通知功能，同样可实时接收到动账信息。 薛洪言建议，接下来，银行可依托数据分析和智能技术，开发更加贴合客户需求的财富管理产品， 提升线上线下服务的精准度和效率。通过引入人工智能、区块链等先进技术，优化风控流程，实现实时 监测和自动化处理，降低运营成本与操作风险；通过实施差异化的动账提醒策略，更有效地开展客户分 层 ...

动账短信提醒服务门槛提高 调整动账短信提醒服务可视为银行精细化成本管理的一项举措。多家银行表示，部分动账服务将通过手 机银行进行提醒，用户只要打开手机银行相关通知功能，同样可实时接收到动账信息。 近日，多家银行发布公告，对动账短信提醒服务进行调整。广东华兴银行自9月16日起停止发送账户动 账金额在500元以下的相关短信提醒，湖北银行调高个人借记卡账户动账短信提醒的起点金额至100元。 此前，中国银行已针对享受终身免费短信动账通知服务的个人客户，调整其账户变动触发短信通知的默 认交易起点金额为100元。 动账提醒服务便于用户及时了解账户余额变化。通常，用户将手机号与银行卡绑定后，银行卡一旦产生 交易情况，银行便会以短信形式通知用户。目前，多数银行对该项服务采取收费模式，收费标准存在一 定差异，一般集中在每月1元至4元。部分银行虽提供免费体验期，但之后会转为自动续费。 调整动账短信提醒服务是否会影响银行网点业务？专家们普遍认为，银行网点不应仅局限于传统业务办 理，而要向客户体验中心、复杂业务咨询中心和区域性金融服务中心转型，着重提供高附加值的专业服 务。通过推动线上线下融合，借助智能设备支持客户自助办理业务，将服 ...

薛洪言建议，接下来，银行可依托数据分析和智能技术，开发更加贴合客户需求的财富管理产品，提升 线上线下服务的精准度和效率。通过引入人工智能、区块链等先进技术，优化风控流程，实现实时监测 和自动化处理，降低运营成本与操作风险；通过实施差异化的动账提醒策略，更有效地开展客户分层管 理，将资源更好适配不同客户，进一步提升整体服务效率与满意度。 从成本角度来看，动账短信服务若长期免费提供，确实会在一定程度上增加银行运营负担。苏商银行特 约研究员薛洪言介绍，不同银行对动账门槛金额的设置有所不同，有的默认较低起点，有的则设置较高 门槛，需客户主动调整才能覆盖小额变动。随着交易规模扩大，这类成本累积显著。因此，调整动账短 信提醒服务可视为银行精细化成本管理的一项举措。 银行目前为何纷纷调整动账金额提醒？中国邮政储蓄银行研究员娄飞鹏认为，主要是为了应对净息差收 窄和盈利压力，也反映了银行在精细化运营上的努力，旨在通过减少低价值提醒服务的支出达成降本增 效的目标。 多家银行在发布调整公告时明确表示，部分动账服务将通过手机银行进行提醒，用户只要打开手机银行 相关通知功能，同样可实时接收到动账信息。薛洪言指出，银行此次调整动账金额提 ...

Core Viewpoint - Xiamen Bank demonstrated strong resilience and improved operational performance in the first half of 2025, achieving steady growth in scale indicators and maintaining good asset quality despite a complex economic environment [1][2]. Financial Performance - As of June 30, 2025, Xiamen Bank's total assets reached 434 billion yuan, a 6.43% increase from the end of the previous year; total loans and advances amounted to 220.91 billion yuan, up 7.52% [1] - The bank's net profit for the first half of the year was 1.216 billion yuan, with operating income of 2.689 billion yuan, reflecting a 21.45% quarter-on-quarter increase in the second quarter [1] - The net interest margin improved by 4 basis points quarter-on-quarter, with net interest income's year-on-year decline narrowing from 4.63% in Q1 to 0.47% in Q2 [1] Asset Quality - The non-performing loan ratio stood at 0.83%, remaining below 1%, with a provision coverage ratio of 321.67%, indicating strong risk mitigation capabilities [2]. Business Focus Areas - The bank is committed to supporting the real economy, with corporate loans and advances (excluding bill discounting) reaching 143.096 billion yuan, a 17.21% increase year-on-year [3] - Inclusive finance initiatives have been strengthened, with new loan rates for small and micro enterprises decreasing by 0.32 percentage points since the beginning of the year, and over 4900 small and private enterprises supported through loans exceeding 48 billion yuan [3] - Green finance has seen significant growth, with green credit balances reaching 16.936 billion yuan, a 29.58% increase year-on-year, and the number of green credit clients growing by 10.7% [3] Technological and Rural Development Initiatives - The bank has increased support for high-tech and strategic emerging industries, with loans in these sectors growing over 50% year-on-year [4] - Efforts to promote rural revitalization include establishing a financial service leadership group and supporting geographical indication industries, with related loan balances increasing by over 50 million yuan [4] Retail Business Transformation - Xiamen Bank's retail customer base grew to 2.7719 million, with effective customers increasing by 11.66% year-on-year, indicating improved customer quality [5] - Retail financial assets reached 118.164 billion yuan, an 8.40% increase, with retail deposits surpassing 90 billion yuan, reflecting a 12.23% growth [6] - Digital service transformation is progressing, with a 6.03% increase in mobile banking customers and a high success rate in intelligent customer service [6] Network and Channel Development - The bank has optimized its branch layout and completed the renovation of 123 branches to enhance service quality, with a focus on covering potential areas and increasing density in key regions [7] - Plans for the second half of 2025 include deepening regional economic engagement and optimizing business layout while ensuring compliance and risk management [7]

Core Viewpoint - The article highlights that Huasheng Tiancheng has turned a profit in the first half of 2025, primarily driven by substantial investment returns from its holdings in companies like Tailinwei and Haibosichuang, despite ongoing losses in its core digital services business [2][11]. Financial Performance - In the first half of 2025, Huasheng Tiancheng achieved revenue of 2.262 billion yuan, a year-on-year increase of 5.11% [2]. - The company reported a net profit attributable to shareholders of 140 million yuan, marking a turnaround from previous losses [2]. - Investment income for the first half reached 238 million yuan, significantly exceeding the net profit figure [4]. Investment Highlights - The investment income primarily stemmed from the significant appreciation of Tailinwei's stock, which saw a price increase of approximately 45% during the same period, compared to a mere 0.71% rise in the Shanghai Composite Index [5][4]. - Huasheng Tiancheng directly holds 17.86194 million shares of Tailinwei, representing 7.42% of its total share capital, with a market value of approximately 855.59 million yuan as of August 28 [7][4]. - The company also benefited from the successful IPOs of two other invested companies, Haibosichuang and Youyou Green Energy, which further diversified its revenue sources [9][10]. Core Business Challenges - Despite the success in investment, Huasheng Tiancheng's core digital services business reported a non-recurring net profit loss of 83.31 million yuan in the first half of 2025 [12]. - The company has faced continuous losses in its core business over the past five years, with cumulative losses amounting to 3.6 billion yuan, 1.01 billion yuan, 3.88 billion yuan, 2.98 billion yuan, and 270 million yuan from 2020 to 2024 [12]. - The ongoing transition to high-value digital services such as AI and cloud computing requires significant R&D investment, making immediate profitability challenging [12]. Strategic Outlook - The company aims to leverage its investment successes to support its core business transformation, emphasizing collaboration with invested companies to enhance synergies [13]. - The strategic focus includes fostering partnerships in high-tech sectors like semiconductors and energy storage, aligning with its goal of driving industry digitalization [12][13]. - As of August 28, Huasheng Tiancheng's stock price reached 26.10 yuan per share, reflecting a remarkable year-to-date increase of 260% [14].