随着盈利压力增加和数字化转型深入推进，银行对服务模式和成本支出的精细化管理也进一步升级。 第一财经记者注意到，今年以来，已有多家银行宣布上调部分动账短信通知服务的起点金额，包括国有 大行、股份行、城商行等多个类型银行，调整范围主要为免费短信服务，也涉及少部分收费服务。 在业内人士看来，面对息差持续承压，通过精细化管理降本增效是银行业普遍选择和趋势，前期数字化 转型成果也将进一步显现，分化趋势也会加剧，客群的分层分类经营能力越来越重要。 多家银行上调动账短信提醒服务门槛 今年8月中旬，广东华兴银行发布公告称，为提升客户服务水平，该行对个人客户账户动账短信发送方 式进行了优化。自2025年9月16日09:00起，该行将停止发送账户动账金额在500元以下的动账短信。 据该行客服人员介绍，此次调整前，该行动账短信提醒没有起点金额要求，只要发生动账均会发送短信 提醒。 此前3月，湖北银行也发布公告称，该行将于2025年3月27日起将个人借记卡账户动账提醒短信默认起点 金额提高至100元，即单笔交易金额100元（含）以下的交易不再发送短信通知，单笔交易金额100元以 上的交易照常发送短信通知。据记者了解，此次调整前，该服 ...

张大伟 制图 回顾直销银行的十余年沉浮，其承担了银行数字化转型的探索任务，又在展业受困、手机银行逐步满足 用户需求之下顺势退场。"随着手机银行在用户体验、业务场景和技术架构上的全面升级，直销银行的 独立存在价值被稀释，其作为'过渡形态'的阶段性任务便宣告完成。"苏商银行特约研究员薛洪言向上 海证券报记者表示。 曾经风头无两 "看到邮惠万家银行被吸收合并的公告时，我打开朋友圈，看到很多在直销银行共事过的老同事和朋友 都在转发这条公告，满屏都是对'时代落幕'的叹息。"曾在直销银行工作过的刘晓（化名）向上海证券 报记者慨叹。 独立法人直销银行的困境 □ 邮惠万家银行经营三年多以来，始终没能盈利，2025年上半年净利润为-1.18亿元 □ 招商拓扑银行甚至尚未正式经营就告"夭折"——撤回开业申请并终止筹备工作 □ 百信银行亏损几年后，至2021年才开始盈利，但目前经营仍面临压力。截至2024年末，百信银行实现 净利润6.52亿元，同比下滑23.74% ◎记者 徐潇潇 黄坤 邮储银行日前公告称拟吸收合并全资子公司邮惠万家银行，这意味着国内第二家独立法人直销银行在成 立不到四年后也走向终局。至此，独立法人直销银行仅剩百信 ...

1 邮储银行的一纸公告，「送走」了国内第二家独立法人直销银行。 9月23日，邮储银行发布公告称，将吸收合并下属全资子公司中邮邮惠万家银行有限责任公司（以下简称「邮惠万家」），后者的全部业务、财产、债权 债务以及其他各项权利义务都将由邮储银行承继。 这则公告唤起了我对于这家银行的最初记忆，2020年底，邮储银行和招商银行接连发布公告称，他们发起设立的直销银行均已获批筹建。 作为一家在当时已经拥有4万个金融网点和40万人线下队伍的国有大行，在2021年的中期业绩发布会上，邮储银行管理层还特地提到了他们申请设立直销 银行的原因： 邮储银行申请设立直销银行的目的就是想把它作为邮储银行数字化转型的抓手，或者是叫做一个「试验田」，打造转型发展的第二曲线。 算起来，这家在2022年6月才正式获批开业的银行，运营至今不过三年多时间，这块「试验田」就匆匆退出了历史舞台。 截至2025年6月末，邮惠万家的注册用户数约2000万，总资产规模不过120亿元，在中国的银行业市场中，并没有什么存在感。 作为国内仅有的两家独立法人直销银行之一，邮惠万家的「夭折」再次展现了直销银行的尴尬处境。 2017年，国内首家独立法人直销银行中信百信银 ...

受访专家指出，直销银行定位不清、与手机银行功能同质化等问题加速了母行吸收合并的进程。此次合 并有利于提高母行整体竞争能力，但需关注此前存量业务的平稳衔接与过渡。 邮储银行拟吸收合并 邮储银行公告称，吸收合并完成后，邮惠万家银行的独立法人资格依法注销。 据了解，此次吸收合并是为了有效利用资源，降低邮储银行运营成本。"近年来，本行不断加大金融科 技投入，数字化和集约化能力快速提升，以手机银行为主要服务渠道的格局已经形成，线上综合服务能 力大幅增强。" 邮储银行在公告中进一步表示，邮惠万家银行线上运营经验整合到该行，是对其线上业务强有力的补 充，业务资源及人才队伍将为发展注入新动力，并将有效降低管理成本，有助于将资源投入到互补性更 强的领域，提高整体运营效率。 邮惠万家银行成立于2022年1月，注册资本为50亿元，是我国首家获批成立的国有大行独立法人直销银 行。业绩表现方面，2022年至2024年年报显示，该行期末净利润分别为-1.62亿元、-2.63亿元、-4.15亿 元。2025年上半年，实现营业收入1.50亿元，净利润-1.18亿元，同比减亏38.74%。截至今年6月末，该 行净资产为40.42亿元，累计注册 ...

Core Viewpoint - China Postal Savings Bank (Postal Bank) announced the absorption and merger of its wholly-owned subsidiary, Postal Huinong Bank, to optimize management and business structure, marking a significant shift in the independent direct bank landscape in China [1][8] Group 1: Company Overview - Postal Huinong Bank was established with a registered capital of 5 billion RMB, aiming to serve agriculture, small and micro enterprises, and the general public as a digital bank [2] - The bank faced continuous losses since its inception, with total losses amounting to 958 million RMB by 2025, raising concerns about its independent business model [7] Group 2: Financial Performance - By the end of 2022, Postal Huinong Bank had total assets of 7.022 billion RMB and a net asset of 4.838 billion RMB, indicating a loss of 162 million RMB in its first half-year of operation [3] - In 2023, total assets increased to 14.986 billion RMB, but net assets fell to 4.574 billion RMB, with a net loss of 263 million RMB, highlighting the bank's struggle to convert its user base into profitability [4] - By 2024, total assets decreased to 12.828 billion RMB, and net loss expanded to 415 million RMB, indicating severe operational challenges [5] - In the first half of 2025, total assets further declined to 12.005 billion RMB, with a net loss of 118 million RMB, although the loss was reported to have decreased by 38.74% year-on-year [6] Group 3: Industry Context - The merger reflects broader challenges faced by independent direct banks in China, with only one remaining operational, indicating a shift from initial optimism to a reality check [8] - The competitive landscape includes pressure from parent banks' mobile apps and established internet banks, which complicates the independent banks' market positioning [9] - The independent direct banks struggle with high initial costs and a lack of scale, leading to inevitable long-term losses, as evidenced by Postal Huinong Bank's financial trajectory [9] Group 4: Strategic Implications - The merger is seen as a rational adjustment based on financial returns and strategic effectiveness, emphasizing the need for banks to internalize digital capabilities rather than merely establishing new entities [11][12] - The focus for future banking competition will shift towards integrating digital technology into core business processes to enhance efficiency and customer experience [12]

Core Viewpoint - The banking sector is experiencing a significant recruitment drive for the 2026 campus graduates, with a focus on digital transformation and the demand for talent in AI and big data [1][2][4]. Group 1: Recruitment Trends - Major state-owned banks in China have collectively announced over 70,000 job openings for the 2026 campus recruitment season, with Agricultural Bank leading with approximately 21,000 positions [2]. - The recruitment landscape is competitive, with top universities' graduates increasingly applying for various banking roles, leading to a situation where a single position may receive thousands of applications [1][6]. - Despite the high number of openings, the overall recruitment scale has slightly decreased compared to the previous year, reflecting the banks' ongoing digital transformation and efficiency improvement efforts [6][7]. Group 2: Demand for Technology Talent - Positions related to AI and financial technology remain highly sought after, with banks like ICBC and CCB actively recruiting for roles in system development, data analysis, and product design [4][5]. - The emphasis on cultivating talent that understands both technology and finance is evident, with banks implementing specialized training programs targeting STEM and finance-related fields [4][5]. Group 3: Challenges in Recruitment - The influx of high-educated candidates has led to a phenomenon termed "degree inflation," which presents both opportunities and challenges in terms of talent management and job fit [7]. - There is a growing concern regarding the mismatch between the expectations of highly educated graduates and the nature of entry-level positions, which may lead to higher turnover rates [7]. - To enhance talent retention, banks are encouraged to develop clear career progression paths and improve the attractiveness of foundational roles through differentiated incentives and job rotation [7].

在数字化转型的进程中，部分中小银行曾陷入技术与业务"两张皮"的困境。科技部门将大量精力投入到 IT架构的升级换代、系统的云化迁移中，虽耗费了巨大的人力、物力和财力，却难以看到业务成效的显 著提升。深究其中缘由，在于这类转型仅停留在"上系统、建平台、用技术"的表面层面，过度关注工具 的引入与堆叠，缺乏以业务为核心的牵引和与业务的深度融合，最终导致价值产出微乎其微。 每经评论员李玉雯 时隔两年，郑州银行首席信息官（CIO）一职的"补位"工作提上日程。日前，该行发布公告，面向社会 公开选聘总行首席信息官。从岗位任职条件来看，公告对应聘者提出三项硬性条件：一是全面掌握银行 各类业务流程；二是深刻理解银行数字化转型战略；三是曾主导或深度参与银行大型科技项目研发与实 施。 这一"技术+业务"的双线要求，深刻映射出当下商业银行金融科技角色定位的重大蜕变。过去，银行信 息科技部门大多扮演着"服务支撑"的角色，核心职责仅为保障系统稳定运行、响应业务部门提出的技术 需求。但随着数字化浪潮全面席卷，科技在银行体系中的定位发生了根本转变——它从后台逐步走向前 台，从单纯的成本中心跃升为驱动价值创造的"战略引擎"。这一角色蜕变的关键意 ...

9月4日，郑州银行发布总行首席信息官选聘公告，在选聘条件方面，该行要求应聘者精通银行的各项业务，深刻理解 银行数字化转型战略，并拥有银行大型科技项目研发或主导实施经验。 对岗位任职条件的描述，郑州银行要求具有国有商业银行、全国性股份制商业银行、头部城商行或农商行总行信息科技 条线负责人管理工作经验。同时要求精通银行业的各项业务，如零售金融、公司金融、风险管理等，以真正能够科技赋 能业务创新，驱动业务发展。 在项目经验要求方面，该行要求应聘者具有丰富的商业银行信息科技管理、重大项目建设、系统运维管理、数字化转型 及信息科技风险管理经验，拥有银行大型科技项目研发或主导实施经验。 截至目前，郑州银行的首席信息官这一职位已空缺两年。公开资料显示，该行前任首席信息官为姜涛，其于2015年12月 起担任该行首席信息官，并于2020年3月起兼任该行创新业务总监，后于2023年9月离职。 郑州银行2025年半年度报告显示，截至报告期末，该行在职员工5593人，其中，信息技术人员339人，占比5.54%。 从业绩表现看，今年上半年，郑州银行实现营业收入66.90 亿元，同比增长 4.64%；实现归属于本行股东的净利润16.27 ...

Core Viewpoint - The banking industry in China has shown signs of stabilization and recovery in the first half of 2025, with improvements in both profitability and asset quality, as indicated by the performance of the 42 listed banks [2]. Group 1: Profitability - In the first half of 2025, 26 out of 42 listed banks achieved positive growth in both operating income and net profit, accounting for over 60% of the total [4]. - The net interest income of listed banks decreased by 1.29% year-on-year, while non-interest income increased by 6.97%, indicating a return to positive growth since the first quarter [4][5]. - The six major state-owned banks reported a slight increase in total operating income to CNY 1.83 trillion, while net profit was CNY 682.52 billion, slightly lower than the previous year [4][5]. Group 2: Income Structure - Interest income remains dominant but faces structural challenges, with a net interest margin contraction affecting profitability [5]. - Non-interest income, particularly from fees and commissions, has rebounded significantly, contributing positively to overall revenue growth [5]. - Investment income saw a year-on-year increase of 23.46%, further enhancing the banks' profitability [4]. Group 3: Asset Quality - As of June 2025, the overall non-performing loan (NPL) ratio for listed banks was stable at 1.23%, with improvements in corporate loans but rising NPLs in personal loans [8]. - Among state-owned banks, Postal Savings Bank had the lowest NPL ratio at 0.92%, while other major banks maintained stable NPL ratios [8][11]. - The provision coverage ratio showed mixed results, with some banks improving while others experienced declines, indicating varying levels of risk management [9]. Group 4: Future Outlook - The banking sector is expected to continue supporting the real economy while focusing on risk management and capital foundation, ensuring stable growth amid changing global economic conditions [12].

Group 1 - The core issue for the Bank of China in its digital transformation is the need for improved marketing precision, reduced credit due diligence time, and the urgency for domestic IT infrastructure [1] - Qifu Technology is identified as the preferred service provider for the Bank of China's digital transformation, focusing on credit intelligence solutions [1][3] Group 2 - Qifu Technology addresses two main challenges: enhancing marketing precision through a personalized customer profiling system and improving credit due diligence efficiency [2] - The implementation of Qifu's intelligent marketing platform led to a 25% increase in conversion rates for the Bank of China's Shanghai branch, translating to an additional 5 million yuan in monthly deposits [2] - The credit due diligence process was reduced from 7 days to 1 day, allowing a credit team to complete three preliminary research projects for small and micro enterprises in the time saved [2] Group 3 - Qifu Technology has been recognized as an excellent service provider for the Bank of China's digital transformation, being included in the "Top 30 Outstanding Service Providers" by iResearch Consulting [3] - The company has extensive experience in the financial IT sector, having served 15 state-owned and joint-stock banks and developed over 20 credit intelligence projects [3] - A project for the Bank of China's Beijing branch improved outbound call efficiency by 40%, demonstrating the effectiveness of intelligent outbound solutions [3] Group 4 - Qifu Technology is positioned as a core partner in the Bank of China's digital transformation, proving its capability to address challenges and enhance personalized services [4] - The year 2025 is highlighted as a critical year for the digital transformation of banks, with Qifu's solutions being essential tools for navigating these challenges [4]