Core Viewpoint - The adjustment of transaction notification SMS services by banks reflects a trend towards cost control and digital transformation, with many banks now charging fees for what was previously a free service [1][5][6] Group 1: Changes in SMS Notification Services - Multiple banks have announced changes to their SMS notification services, including raising the threshold for free notifications or implementing service fees [1][2] - Guizhou Rural Credit Cooperative will start charging 2.5 yuan per month for SMS notifications from October 2025, while still offering free services for certain accounts [1] - Other banks, such as Liaoning Zhenxing Bank and Guangdong Huaxing Bank, have also raised the minimum transaction amount for free SMS notifications [2][3] Group 2: Industry Trends and Motivations - The current wave of adjustments is primarily driven by smaller financial institutions following the lead of larger banks [3] - The adjustments are seen as a response to narrowing net interest margins and profitability pressures, aiming to reduce costs associated with low-value notification services [5][6] - The shift towards digital channels, such as WeChat notifications, is becoming more prevalent, providing free alternatives to traditional SMS services [4][5] Group 3: Digital Transformation and Customer Experience - The transition from SMS to digital notification services is viewed as a necessary evolution in the banking industry, enhancing customer engagement and service efficiency [6] - Digital channels offer more real-time and comprehensive transaction notifications, integrating various banking services and improving customer experience [6]

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 ...

Core Viewpoint - The adjustment of transaction SMS alert services by multiple banks is seen as a measure for refined cost management, with a shift towards mobile banking notifications for transaction updates [1][2]. Group 1: Service Adjustments - Several banks, including Guangdong Huaxing Bank and Hubei Bank, have raised the threshold for transaction SMS alerts, with Guangdong Huaxing Bank stopping alerts for transactions below 500 yuan and Hubei Bank increasing the threshold for personal debit card alerts to 100 yuan [1]. - China Bank has also adjusted its default transaction alert threshold to 100 yuan for customers enjoying lifetime free SMS notifications [1]. Group 2: Cost Management - The long-term provision of free transaction SMS services can increase operational burdens for banks, prompting them to adjust alert thresholds as part of cost management efforts [2]. - The adjustments are primarily aimed at addressing the pressure from narrowing net interest margins and profitability challenges, reflecting banks' efforts in refined operations to reduce expenditures on low-value alert services [2]. Group 3: Digital Transformation - Banks are encouraging customers to utilize mobile banking and online channels for transaction notifications, balancing cost control with customer experience [2]. - Experts suggest that banks should transform physical branches into customer experience centers and focus on high-value professional services, integrating online and offline services [3]. Group 4: Future Recommendations - Banks are advised to leverage data analysis and smart technologies to develop wealth management products that meet customer needs, enhancing service precision and efficiency [3]. - The introduction of advanced technologies like AI and blockchain is recommended to optimize risk control processes and reduce operational costs [3].

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 ...

Group 1 - DH Shipbuilding reported consolidated revenue of 296 billion KRW (approximately 1.53 billion RMB) in Q2, a year-on-year increase of 16.7% [1] - The company achieved an operating profit of 62.5 billion KRW (approximately 320 million RMB) in Q2, representing a year-on-year growth of 84.4% [1] - For the first half of the year, DH Shipbuilding accumulated revenue of 603.7 billion KRW (approximately 3.12 billion RMB) and an operating profit of 132.2 billion KRW (approximately 680 million RMB), with an operating margin of 21.9% [1] Group 2 - Since being acquired by KH Investment Group in 2022, DH Shipbuilding has implemented strategies focused on high-value-added vessels, internalizing external manufacturing segments, maximizing equipment efficiency, and fine-tuning cost management, leading to improved revenue and profitability [3] - The company has stabilized the delivery of its main vessel types at a rate of one vessel per month in the first half of the year, with plans to start constructing high-value-added vessels like oil tankers in the second half [3] - DH Shipbuilding aims to maintain its industry-leading operating profit margin and establish itself as a competitive shipyard in the global market [3] Group 3 - In 2023, DH Shipbuilding received orders for two Suezmax oil tankers from Greek shipping company Sun Enterprises, with a total order value of approximately 180 million USD, expected to be delivered in Q1 2027 [4]