昨天，发生了哪些财经大事？ 李嘉诚 旗下长和突然公告 3月31日早上，李嘉诚旗下长和在港交所公告称，董事会知悉最近与可能分拆本公司全球电讯资 产及业务有关的若干媒体报道。 本集团不时接获建议并探索及评估可供考虑之机会，藉以提升股东的长远价值，包括与本公司全 球电讯业务之资产及运营相关的可能交易（包括分拆上市）。 于本公告日期，董事会未有就本公司全球电讯业务有关的任何交易作出决定。 本公司股东及潜在投资者谨请注意，目前并不确定是否将会进行任何交易。 三桶油合计日赚近10亿 3月30日晚间，中国石油（601857.SH，股价8.08元，市值14788.1亿元）披露2024年年报，按照 国际财务报告会计准则，报告期内公司实现营业收入2.9万亿元；归属于母公司股东净利润1646.8 亿元，同比增长2.0%，再创历史新高。截至报告期末，中国石油自由现金流1043.5亿元，连续三 年超过1000亿元。 在业绩创下新高的同时，中国石油的股东回报也达到新高。为积极回报股东，中国石油董事会建 议派发2024年末期股息每股0.25元，期末总派息额约457.55亿元。全年股息每股0.47元，派息率 52.2%，总派息额约860.2 ...

Core Viewpoint - The article discusses the upcoming increase in annualized interest rates for consumer loans, with many banks expected to raise rates to no less than 3% starting in April 2025, potentially phasing out existing products with rates below this threshold [1][2]. Group 1: Interest Rate Changes - Multiple banks have received notifications to raise the annualized interest rates for consumer loans to a minimum of 3% starting April 2025, leading to urgent actions by bank staff to inform customers to withdraw funds before the deadline [1][2]. - Existing consumer loan products with interest rates below 3% are likely to be discontinued, prompting banks to encourage customers to withdraw or test their loan limits before the new rates take effect [2][3]. Group 2: Market Competition and Rate Trends - The consumer loan market has seen intense competition since 2025, with many banks offering rates below 3%, some as low as 2.4%, which is below the central bank's one-year loan market quotation rate [4]. - Banks like Ningbo Bank and others have introduced promotional activities, with rates as low as 2.49% and various incentives to attract customers [4]. Group 3: Expert Opinions and Regulatory Insights - Experts express concerns about the negative implications of excessively low consumer loan rates, including the risk of consumers overextending themselves financially and the potential misuse of loan funds [5]. - The central economic work conference in December 2024 emphasized the need for financial institutions to avoid "involution" competition and maintain reasonable loan rates to ensure commercial sustainability [6].

Core Viewpoint - Starting from April 2025, the annual interest rate for credit consumer loan products will be raised to no less than 3%, potentially leading to the discontinuation of existing products with rates below 3% [2][4]. Group 1: Interest Rate Changes - Multiple banks have received notifications to increase the annual interest rate for credit consumer loans to a minimum of 3% starting in April 2025, with existing products below this threshold likely to be phased out [2][4]. - Banks are actively contacting customers who have applied for loans with rates below 3%, urging them to withdraw funds before the deadline of March 31, 2025 [2][3]. Group 2: Market Competition - The consumer loan market has seen intense competition since 2025, with many banks offering loans at rates below 3% to capture market share, with some rates dropping as low as 2.4% [4]. - Banks like Ningbo Bank are offering promotional rates as low as 2.49%, and other banks are providing limited-time coupons to attract borrowers [4]. Group 3: Consumer Behavior and Risks - Experts warn that excessively low personal consumer loan rates may lead to negative consequences, such as consumers taking on debt without proper consideration of their financial situation [5]. - The central economic work conference in December 2024 emphasized the need for financial institutions to avoid "involution" competition and maintain reasonable loan rates to ensure sustainable business practices [5].