财经网×企业预警通App 近期，银行App"瘦身"趋势日益显著，信用卡类独立App与直销银行App成为关停整合的核心品类。截 至目前，已有数十家银行陆续推进旗下相关App的停运工作，均将原有功能统一整合至主手机银行平 台，实现服务集中化。中小银行的信用卡App整合步伐更快，关停与功能迁移动作密集落地。据不完全 统计，2025年前10个月，包括江西银行、上海农商银行、四川农信联合社等在内的至少6家机构跟进整 合，均将信用卡功能统一纳入主手机银行平台。 ◆监管之声 人民银行：10月末人民币存款余额325.55万亿元，同比增长8% 11月13日，人民银行发布2025年10月金融统计数据报告。10月末，本外币存款余额332.92万亿元，同比 增长8.3%。月末人民币存款余额325.55万亿元，同比增长8%。前十个月人民币存款增加23.32万亿元。 其中，住户存款增加11.39万亿元，非金融企业存款增加4447亿元，财政性存款增加2.09万亿元，非银行 业金融机构存款增加6.66万亿元。 ◆行业关注 新疆农商银行获批筹建 我国农信改革再落一子 我国农信改革再落重要一子。日前，国家金融监督管理总局披露公告，正式批复同意筹 ...

Core Viewpoint - The banking sector is experiencing dual benefits from improving fundamentals and supportive policies due to declining market interest rates and expectations of continued monetary easing [1] Group 1: Interest Rate Changes - Several small and medium-sized banks are accelerating the reduction of deposit rates, leading to an inverted yield curve where long-term deposit rates are lower than short-term rates [1] - This change reflects the banking industry's proactive measures to optimize liability structures and alleviate net interest margin pressure [1] Group 2: Monetary Policy Outlook - The chief economist of Zheshang Securities, Li Chao, indicates that uncertainties from external factors and structural contradictions in domestic demand and excessive competition on the supply side persist, necessitating moderately loose monetary policy to counter economic downturn pressures [1] - For the full year, the monetary policy is expected to maintain a loose tone, with a forecast of a 50 basis point reserve requirement ratio cut and a 10 basis point interest rate cut by the end of the fourth quarter [1] Group 3: Banking Sector Valuation - The overall price-to-book (PB) ratio of the banking sector is at a historical low, highlighting undervaluation and high dividend characteristics, which enhance its defensive attributes amid market volatility [1] - The banking sector's appeal to stable funds continues to strengthen due to these factors [1]