12月10日，国家金融监督管理总局朝阳监管分局发布10则批复，同意辽宁农商银行建平孤山子支行、建 平惠州支行、建平丰源分理处、朝阳新华路支行、朝阳凌河分理处、建平光明支行、凌源董杖子分理 处、凌源二十里堡分理处、凌源杨杖子分理处、凌源辛杖子分理处终止营业。 公开资料显示，辽宁农商银行是以沈阳农商银行为基础，与北票市农村信用合作联社等30家农信机构共 同组建而成。 据国家金融监督管理总局辽宁监管局消息，两日内，辽宁农商银行14家分支机构获批终止营业。 2023年9月，辽宁农商银行获得辽宁监管局开业批复，取得金融许可证。原沈阳农商银行和30家农信联 社依法终止，相关业务由辽宁农商银行全面承接。新组建的辽宁农商银行是全国首家省级农村商业银 行，注册资本207亿元，总行内设25个部门，下辖总行营业部和27家一级支行，833个营业网点。 | · 盘锦金融监管分局关于辽宁农村商业银行股份有限公司盘锦双兴分理处终止营业的批复 | 2025-12-09 | | --- | --- | | · 盘锦金融监管分局关于辽宁农村商业银行股份有限公司盘锦金盛分理处终止营业的批复 | 2025-12-09 | | · 盘锦金融监管分局关 ...

银行频道更多独家策划、专家专栏，免费查阅>> 其次，重构城市网点服务模式。陈国汪认为，传统依赖物理网点拉存款、拓客户的模式已不合时宜，城 市网点应从"交易型"向"服务型"转型。"简单业务通过数字渠道分流后，城市网点应重点承接咨询顾 问、养老规划等复杂业务，打造专业化服务场景"，他表示，这一转型既能提升网点运营效率，也能更 好满足客户多元化、深层次的金融需求。 最后，强化农村网点功能扩容与服务升级。考虑到农村地区老年群体较多、数字化鸿沟尚未完全弥合的 现状，陈国汪建议，银行需进一步加大农村网点的资源投入，拓展非金融服务功能。"除传统的存取 款、结算支付业务外，可叠加物流对接、电商服务等场景化功能，让农村网点成为服务乡村振兴的综合 平台"，他强调，农村网点的优化不仅能保障基层金融服务的可得性，也能挖掘县域市场的增长潜力。 在数字化浪潮席卷金融行业的背景下，ATM机数量的下降并非行业衰退的信号，而是银行业转型的必 然结果。陈国汪强调，银行唯有主动适配消费者行为变化，通过数字渠道升级、线下网点转型、城乡服 务差异化布局的多元举措，才能在渠道变革中巩固竞争优势，实现服务质量与经营效益的双重提升。 日前，中国人民银行发布 ...

Core Viewpoint - Kunshan Rural Commercial Bank is initiating a strategic innovation in remote credit business starting January 2024, aiming to integrate traditional credit risk control with the convenience of internet services, marking a significant systemic transformation in its operations [1][3]. Group 1: Mechanism and Efficiency - The remote credit model innovatively employs a "one on-site, one in-house" collaborative approach, enhancing resource optimization and significantly improving work efficiency [1]. - The complete imaging and video documentation generated during the process can be directly stored in the credit system, providing comprehensive and real-time evidence for approval decisions, thereby reducing operational risks and ensuring compliance [1]. - A fault-tolerant and due diligence exemption mechanism has been established to encourage credit managers to take calculated risks within a compliant framework, supporting business innovation [1]. Group 2: Technology and Innovation - The boundaries of remote banking services are continuously expanding, with ongoing optimization of the technology platform to achieve a closed-loop risk control process [2]. - An efficient decision-making mechanism is formed through immediate feedback from the approval end in case of anomalies, enhancing collaborative efficiency [2]. - The appointment system has been optimized to adjust the appointment slots dynamically based on seat availability, significantly improving customer service experience [2]. Group 3: Strategic Positioning - The remote credit business represents a transition from online channels to a new digital financial model, focusing on data as a key production factor and technology as the core driving force [2]. - The bank aims to build core competitiveness for the future by establishing a platform ecosystem [2]. - The remote model effectively addresses the challenges of "difficult and expensive financing" for small and micro enterprises, individual businesses, and farmers, thereby facilitating smoother financial support for the real economy [2]. Group 4: Systemic Transformation - The innovation in remote credit business is a profound systemic reshaping rather than a mere technological upgrade, enhancing the bank's core competitiveness and innovative vitality in the digital economy era [3].

Core Viewpoint - The digital transformation in the banking sector has shifted from an optional choice to a necessary requirement for survival, prompting a competitive race focused on technology, human resources, and ecosystem development [1][6]. Group 1: Technology Procurement Trends - Multiple banks, including Shanghai Pudong Development Bank, China Construction Bank, China CITIC Bank, Industrial Bank, and Guilin Bank, have recently announced technology procurement tenders, indicating a significant increase in technology investment and service optimization [3][4]. - Shanghai Pudong Development Bank plans to select 12-18 suppliers for IT outsourcing services from 2025 to 2028, with a service period of three years, to alleviate the shortage of developers and enhance IT construction efficiency [3]. - China Construction Bank's Hubei branch has set an annual tender control price of 22.5 million yuan for software development and technical services, aiming to select three suppliers for a three-year collaboration [3]. Group 2: Strategic Implications of Digital Transformation - The concentrated technology procurement by banks signals that the digital transformation is entering a "deep water zone," moving beyond basic system maintenance to strategic planning for future competition [4][5]. - The high entry barriers set by banks for suppliers reflect a shift in demand from basic supply to high-quality matching, indicating a need for long-term collaborative partners with deep financial business understanding and complex project experience [5][6]. - The current wave of technology investment is driven by multiple competitive pressures, including narrowing net interest margins and challenges from fintech companies and internet platforms, necessitating banks to leverage technology for differentiation and cost control [6]. Group 3: Future Focus Areas for Technology Investment - Future technology investments in the banking sector are expected to focus on three core areas: data security and application, compliance and risk control system upgrades, and comprehensive solutions for intelligent financial transformation [6].

Core Insights - The overall monthly active users (MAU) of mobile banking apps in China remained stable between 650 million and 720 million in Q3 2025, indicating a saturation in market growth and a shift towards intensified competition among existing players [2][16] - User engagement metrics, such as daily usage time and app launch frequency, continued to decline, highlighting a decrease in user stickiness [2][16] - The competitive landscape is undergoing significant restructuring, with state-owned banks solidifying their dominance, while private banks struggle to maintain relevance [2][15] State-Owned Banks - The six major state-owned banks captured six of the top seven spots in the mobile banking MAU rankings, with Agricultural Bank of China leading at over 250 million MAU [3][6] - All major state-owned banks reported positive MAU growth, with Industrial and Commercial Bank of China leading at a 6.1% quarter-on-quarter increase [6][10] - The robust performance of state-owned banks is attributed to their strong digital strategies and comprehensive service offerings, enhancing user engagement [6][10] Joint-Stock Banks - Joint-stock commercial banks showed overall stability, with China Merchants Bank leading this category with over 70 million MAU, ranking fifth overall [7][9] - There is a noticeable internal differentiation among joint-stock banks, with some like Everbright Bank and CITIC Bank showing significant growth, while others like Minsheng Bank faced declines [10][15] - The competitive edge of China Merchants Bank stems from its focus on digital transformation and wealth management services [10] City Commercial Banks - City commercial banks emerged as a highlight in Q3 2025, with 17 banks entering the top 50 list, led by Ningbo Bank with a remarkable 43.9% growth in MAU [11][14] - The growth of city commercial banks is linked to their targeted regional strategies and tailored services for specific customer segments [14][16] - However, some city banks experienced declines in MAU, indicating that regional advantages do not guarantee growth [14] Private Banks - Private banks are facing a collective decline, with no representatives in the top 50 MAU rankings for Q3 2025, marking a significant shift in the competitive landscape [15][16] - The challenges faced by private banks are attributed to their inability to compete with traditional banks that have strengthened their digital capabilities and customer trust [15][16] - The decline of private banks signals a transition in the industry from rapid user acquisition to deepening engagement with existing customers [15][16] Agricultural and Rural Banks - Seventeen agricultural and rural banks made it to the top 50 list, with Fujian Rural Credit leading at 781.6 million MAU [16] - Most of these banks reported positive growth, indicating a successful strategy in their respective markets [16] - The performance of agricultural banks reflects the ongoing restructuring and competitive dynamics within the banking sector [16]

Core Viewpoint - Lingzhi Software's proposed acquisition of leading domestic financial IT supplier Kaimiride is a significant asset restructuring plan aimed at creating a comprehensive fintech service ecosystem covering multi-tier capital markets, which is expected to substantially enhance the company's performance [1] Group 1: Company Overview - Kaimiride primarily provides software products and services in areas such as fund trading, risk management, liquidity management, digital transformation, and AIGC to over 100 domestic and international financial institutions, including major banks and non-bank financial entities [2] - The company's strong client base, which includes six major state-owned commercial banks and various other financial institutions, provides a solid foundation for sustained revenue growth [2] Group 2: Revenue Characteristics - Kaimiride's revenue recognition exhibits significant seasonality, with IT spending in the banking sector typically showing a "front-low, back-high" pattern, leading to higher revenue recognition in the fourth quarter [2][3] - Analysis of listed banking IT companies indicates that a substantial portion of annual revenue and net profit is concentrated in the fourth quarter, suggesting that investors should focus on annual performance rather than quarterly results [3] Group 3: Industry Trends - The banking IT sector is experiencing positive fundamentals, benefiting from the deepening of financial innovation and the accelerated digital transformation within the banking industry [3] - The ongoing advancements in artificial intelligence, particularly in deep learning and natural language processing, are driving innovation in the AIGC space, prompting Lingzhi Software to upgrade its AI strategy from application to ecosystem building [4] Group 4: Strategic Implications - The integration of Kaimiride is expected to enhance Lingzhi Software's product matrix across various systems in financial institutions, addressing the needs for self-control, digital transformation, and AI applications [4] - This acquisition is anticipated to create a more robust "AI+" ecosystem, potentially serving as a new growth engine for the company's high-quality development [4]

Core Insights - The trend of "thinning" bank apps is becoming increasingly significant, with independent credit card apps and direct banking apps being the main categories for shutdown and integration [1][2] - Several banks, including China Bank, are consolidating their credit card app functionalities into their main banking apps, reflecting a shift towards centralized services [1] - The closure of direct banking apps is also on the rise, with Beijing Bank announcing the cessation of its direct banking app and website, migrating functionalities to its main app [1] Industry Trends - The decline in the proportion of credit card business within banks' credit structures and the redundancy of functions in independent apps are driving the integration trend [2] - The shift from a multi-app operation model to a focus on a single, comprehensive app is aimed at reducing maintenance costs and meeting user demand for one-stop services [2][3] - Regulatory pressures for financial client app registration are also prompting banks to streamline redundant applications, enhancing the usage frequency and data security of main platforms [2] Digital Transformation - The banking industry's digital transformation is characterized by three new trends: moving from "many and complete" to "focused and specialized," shifting from product-oriented to user-oriented services, and evolving from isolated online services to integrated ecosystems [3] - Challenges in the app integration process include technical compatibility, user habit migration, and data security [3] - Recommendations for banks include optimizing mobile ecosystems, enhancing digital capabilities, exploring diversified services, and ensuring compliance and security during data migration [3]

Core Insights - Vietnam's banking sector is experiencing significant digital transformation, with non-cash payment transactions and electronic identity verification showing strong growth [1][2] Group 1: Digital Payment Growth - Non-cash payment transaction volume increased by 43.32% and transaction value grew by 24.23% compared to the same period in 2024 [1] - Internet payment transaction volume rose by 51.2% and transaction value increased by 37.17% [1] - Mobile payment transaction volume grew by 37.37% and transaction value increased by 21.79% [1] - QR code payment transaction volume surged by 61.63% and transaction value skyrocketed by 150.67%, making it the fastest-growing payment channel [1] - ATM transaction volume decreased by 16.77% and transaction value fell by 5.74%, indicating a significant reduction in cash usage [1] Group 2: Financial Inclusion - As of September 2025, Vietnam had 10.89 million mobile payment accounts, with approximately 70% belonging to users in rural, mountainous, island, and border areas [1] - Total transaction volume exceeded 290 million, with a transaction value of 85.11 trillion VND, significantly promoting financial inclusion and reducing regional digital gaps [1] - The State Bank of Vietnam has issued payment service licenses to 53 institutions, with 49 providing e-wallet services [1] Group 3: Digital Transformation in Banking - Nearly all basic banking services have been digitized, with 95% of transactions completed through digital channels [2] - Banks are integrating seamlessly with various services such as electricity, water, telecommunications, healthcare, education, e-commerce, tourism, and public administration [2] - Financial institutions are actively utilizing artificial intelligence and big data for customer behavior analysis and credit assessment, automating business processes [2] Group 4: Electronic Identity Verification - By October 10, 2025, over 132 million individual and 1.4 million institutional customer profiles had undergone biometric verification [2] - 57 banks and 39 payment intermediaries have connected to the citizen ID chip authentication system [2] - 28 banks and 4 intermediaries have linked social security accounts with bank accounts through VNeID, facilitating pension and benefit payments for the public [2]

Core Insights - Minsheng Bank's Beijing Huairou Branch officially opened on October 16, marking the establishment of the bank's 100th standard branch in the capital, enhancing its service capabilities for the capital's economic development [1][2] - The bank is expanding its branch network despite the general trend of contraction in physical bank locations, focusing on transforming branches from transaction-oriented to service-oriented [1][2] - The establishment of the Huairou Branch fills a gap in the bank's network in the area and aligns with the strategic development needs of Beijing [2] Network Expansion - The opening of the 100th branch in Huairou is a strategic move for Minsheng Bank to integrate deeper into the capital's development framework [2] - The bank has signed strategic cooperation agreements with multiple districts, including Miyun and Tongzhou, to enhance government-bank collaboration and meet the capital's development demands [2] - The bank's branch layout is guided by Beijing's "14th Five-Year Plan" and 2035 vision, focusing on regional economic trends for network planning [2] Service Model Transformation - Minsheng Bank is upgrading both the soft and hard infrastructure of its branches, aiming to transform them into "ecological integration centers," "customer experience centers," and "complex product marketing centers" [3] - The bank is focusing on integrating channel advantages, technological capabilities, and social credibility to expand its "bank+" diversified business scenarios [3] Community Banking - The bank has pioneered the "community bank" model, focusing on the needs of key demographics such as the elderly and children [4] - It has implemented measures like setting up care stations and adapting branches for elderly accessibility, addressing the digital divide faced by older customers [4][5] - The bank collaborates with local communities to enhance financial literacy and safety, establishing a dual mechanism for education and fraud prevention [5] Support for Small and Micro Enterprises - Minsheng Bank has established 26 small and micro enterprise financial centers to provide integrated financial and non-financial services [6] - The bank has restructured its approval teams to enhance efficiency and risk management for small and micro businesses [6] - It actively engages with government departments to facilitate financing for small enterprises and supports local economic activities [6] Technology and Innovation Focus - The bank has developed a "3+6+16" organizational structure for technology finance, with specialized branches and centers to serve key industrial clusters [7] - This network covers major industries such as information technology and healthcare, creating a 5-kilometer service radius [7] - The bank offers a comprehensive financial product system tailored to the lifecycle of technology enterprises, supporting various stages from startup to maturity [8] Future Outlook - Minsheng Bank plans to continue expanding its network in alignment with major strategic initiatives, focusing on green finance and technology finance to support regional ecological and industrial upgrades [8]

Group 1 - Postal Savings Bank of China has announced the absorption and merger of Postal Huinong Bank, which was approved by the shareholders' meeting [1] - The merger aims to achieve strategic integration, optimize resource allocation, and reduce management costs, enhancing overall operational efficiency [1] - Industry experts indicate that this integration model lowers operational costs and enables centralized management and analysis of customer data, facilitating cross-selling and precise services [1] Group 2 - Several banks have recently announced the shutdown or integration of their direct banking services, indicating a trend towards merging these services into traditional banking platforms [2] - The independent direct banking model has not formed a complete service ecosystem or unique competitive advantages, leading to resource waste for traditional banks [2] - Following the merger, only one independent direct bank, Baixin Bank, remains in the country, highlighting a shift towards integrated development within the banking sector [2] Group 3 - The evolution of direct banks reflects the digital transformation of the banking industry, with mobile banking upgrades fulfilling user needs and rendering direct banks as transitional entities [3] - The ultimate goal of financial digitalization is not merely channel innovation but a profound ecological restructuring within the banking sector [3] - Traditional banks are encouraged to leverage their service channels and explore integration into various scenarios while utilizing digital technology to enhance management [3]