新京报贝壳财经讯（记者黄鑫宇）8月8日，山西证监局官网显示，晋商银行因存在"基金销售部门负责 人未取得基金从业资格履职"及"对基金销售部门负责人进行了调整，未报送相关人员免职、任职的备案 材料"两项违规，而被山西证监局采取出具警示函的行政监管措施，并记入证券期货市场诚信档案。 山西证监局强调，晋商银行应高度重视，严格对照基金销售相关法律法规，立即采取有效措施对上述问 题进行整改，建立健全相关内控制度，强化人员资质管理，严格落实备案报告要求，提高基金销售合规 管理水平。 记者注意到，本次行政处罚所指违规事实之外，晋商银行也曾存在相关负责人未经核准便实际履职的情 况。 同时，山西证监局明确，晋商银行应当在收到本决定之日起30日内，向该局提交书面整改报告。 2023年5月，原山西银保监局（即现在的国家金融监督管理总局山西监管局）公示的一则行政处罚决定 书（晋银保监罚决字〔2023〕64号）显示，由于"未经核准实际履职"，根据《中华人民共和国银行业监 督管理法》第四十六条的相关规定，山西监管局作出对晋商银行罚款30万元的行政处罚决定。 编辑 岳彩周 校对 吴兴发 ...

从金融业实践看，2007年《反洗钱法》施行以来，金融机构持续健全反洗钱内控制度，依法开展客户尽 职调查工作，完善洗钱预防措施。但近年来出现的洗钱风险案例暴露出部分金融机构尽职调查有效性不 足的问题。比如，有的机构对不同风险状况的客户采取"一刀切"措施，有的忽视业务存续期间的风险变 化，导致资源错配和风险隐患。 对此，北京大学法学院教授王新指出，《管理办法》强调"基于风险"原则，细化不同风险情形下的差异 化措施，正是要促使金融机构走出"机械化"开展客户尽职调查的误区，建立起动态、精准的洗钱风险防 控机制。 具体来看，《管理办法》要求金融机构要结合风险状况开展客户尽职调查，不得采取与风险状况明显不 匹配的措施。专门增加并强调对低风险情形采取简化措施的要求，有助于提高正常金融业务的便利性。 仅在洗钱或恐怖融资高风险情形下，才要求采取强化尽职调查措施。 近日，中国人民银行联合国家金融监督管理总局、中国证券监督管理委员会研究起草了《金融机构客户 尽职调查和客户身份资料及交易记录保存管理办法(征求意见稿)》，向社会公开征求意见。 业内专家认为，制定《管理办法》是落实反洗钱法和迎接国际评估的必然之举。2024年11月修订通 ...

Group 1 - The core idea of the articles revolves around Guangfa Bank's active participation in promoting a "Healthy China" initiative through various community health activities targeting both the elderly and youth [1][4]. - Guangfa Bank's "Vibrant All Open" online health run has attracted over 300,000 participants since its launch in 2024, integrating daily activities into a health tracking system [2]. - The "Free Card Cup" square dance competition serves as a significant platform for the elderly, with the fifth edition covering nearly 40 cities and promoting financial literacy alongside physical activity [3]. Group 2 - The "Guangfa Youth Basketball Star" event, in collaboration with the CBA league, has engaged thousands of young participants across multiple cities, providing them with opportunities to train with professional coaches [4]. - Guangfa Bank aims to merge health concepts with its brand activities, ensuring that both the elderly and youth can enjoy sports while experiencing the warmth of financial services [4]. - The bank is committed to deepening the "Finance + Sports" model to contribute to the "Healthy China 2030" goal [4].

Core Viewpoint - The China Postal Savings Bank is actively supporting disaster-stricken areas by providing financial services and tailored assistance to affected businesses and individuals, ensuring the continuity of essential financial services during extreme weather events [1][5]. Group 1: Financial Services Response - The bank's branches have implemented 24-hour service operations in severely affected areas, ensuring that 49 outlets continued to operate under extreme conditions, providing shelter and charging facilities for the public [1][5]. - The bank has established emergency service windows to prioritize disaster relief funding, ensuring timely disbursement of funds to those in need [5]. Group 2: Tailored Assistance for Affected Clients - The bank has introduced a "one household, one policy" support scheme to address the urgent needs of small and micro enterprises and farmers affected by the disasters [1][3]. - In Hebei, the bank quickly provided 150,000 yuan (approximately 21,000 USD) in credit to a mushroom farmer to assist with repairs and purchasing supplies [2]. - The bank has opened a special loan approval green channel for businesses, completing a 5 million yuan (approximately 700,000 USD) credit approval for a construction company affected by the floods [2]. Group 3: Policy Measures for Long-term Recovery - The bank is offering various policy measures such as loan extensions, repayment adjustments, and interest-free renewals to clients facing temporary repayment difficulties [3]. - The Beijing branch provided a 5 million yuan (approximately 700,000 USD) loan secured by intellectual property to a small enterprise, helping to reduce financing costs and support recovery efforts [3]. Group 4: Community Support and Social Responsibility - The bank has mobilized resources to provide emergency supplies worth nearly 250,000 yuan (approximately 35,000 USD) to disaster-stricken areas, including raincoats, food, and drinking water [5]. - Internal fundraising efforts have raised 11,600 yuan (approximately 1,600 USD) for purchasing urgent supplies, demonstrating the bank's commitment to social responsibility [5].

Core Viewpoint - The introduction of the "Management Measures for Customer Due Diligence and Customer Identity Information and Transaction Record Retention" is a necessary step to implement the Anti-Money Laundering Law and prepare for international assessments, reflecting China's commitment to enhancing financial security and stability [1][3]. Group 1: Regulatory Framework - The People's Bank of China, along with the National Financial Regulatory Administration and the China Securities Regulatory Commission, has drafted the management measures to solicit public opinions [1]. - The revised Anti-Money Laundering Law, effective from January 1, 2024, emphasizes risk-based customer due diligence, requiring financial institutions to tailor their investigations based on customer characteristics and transaction risks [1][2]. Group 2: Risk Management - The management measures aim to address the shortcomings in the effectiveness of customer due diligence observed in recent money laundering cases, where some institutions applied uniform measures regardless of varying risk levels [2]. - The measures promote a risk-based approach, encouraging financial institutions to avoid mechanical due diligence practices and establish a dynamic and precise money laundering risk prevention mechanism [2]. Group 3: Public Service and Compliance - The management measures balance risk prevention with the need to ensure public access to financial services, specifying that not all cash transactions over 50,000 yuan require source verification, but only those with higher money laundering risks [3]. - The measures reaffirm existing international rules regarding cross-border remittances, requiring the transmission of true remitter information for transactions over 1,000 USD, thereby enhancing compliance without imposing new burdens [3]. - The guidelines provided by the management measures are expected to improve the overall risk management capabilities of the financial industry and strengthen compliance, thereby reducing the risks of money laundering and terrorist financing [3].

来源：金融界 天眼查资料显示，中信银行股份有限公司，成立于1987年，位于北京市，是一家以从事货币金融服务为 主的企业。企业注册资本4893479.6573万人民币。通过天眼查大数据分析，中信银行股份有限公司共对 外投资了60家企业，参与招投标项目5000次，财产线索方面有商标信息185条，专利信息1549条，此外 企业还拥有行政许可155个。 金融界2025年8月9日消息，国家知识产权局信息显示，中信银行股份有限公司取得一项名为"测试方 法、装置、电子设备及计算机存储介质"的专利，授权公告号CN112765029B，申请日期为2021年01月。 ...

A股上市银行首份半年报出炉。据常熟银行披露，今年上半年该行营收、净利润均实现两位数同比增幅：营收60.62亿元，同比增幅10.1%；归属于上市公司 股东的净利润19.69亿元，同比增幅13.51%。 记者注意到，今年上半年，常熟银行在常熟以外地区营业收入占比66.52%，拨备前利润占比66.62%。这组数据背后，是常熟银行正通过吸收合并村镇银 行、改设分支机构，快速渗透县域市场，打开发展空间，同时优化资源配置，降低综合管理成本。据悉，该行年内已三次计划"村改支"，合计将吸收合并7 家村镇银行并设立分支机构。 在发布半年度业绩的同时，常熟银行也披露了2025年中期利润分配方案公告，每股派发现金红利0.15元，共计派发现金红利4.97亿元，占2025年半年度归属 于母公司股东的净利润比例为25.27%。这也是该行首次启动中期分红。 另据记者梳理，此前包括该行在内已有6家银行披露了2025年半年度业绩快报，营收和归母净利润均实现同比增长，且资产质量稳中向好，不良率较年初持 平或有所下降。部分银行在快报中还提及业内颇为关注的净息差情况，称趋势企稳。 拟首次中期分红，分红比例提升至25% 截至今年6月末，常熟银行总资产 ...

Core Insights - First National Bank Alaska reported a net income of $18.4 million for Q2 2025, an increase from $15.6 million in Q2 2024, translating to earnings per share of $5.80 compared to $4.94 the previous year [1][2]. Financial Performance - The bank's return on assets improved to 1.46% as of June 30, 2025, marking a 38 basis points increase from the previous year [2][4]. - Total interest and loan fee income for Q2 2025 was $57.0 million, a 0.7% increase from $56.6 million in Q2 2024, with interest income from loans rising by $4.0 million [3]. - Total interest expense decreased to $11.8 million in Q2 2025, down from $16.5 million in Q2 2024, contributing to a net interest margin of 3.69%, up from 2.98% year-over-year [5]. Loan and Asset Quality - Total loans reached $2.6 billion as of June 30, 2025, an increase of $200.1 million from the previous year, while nonperforming loans rose to $9.8 million, representing 0.38% of total loans [2][13]. - The provision for credit losses for the year-to-date was $2.2 million, up from $1.3 million in the same period last year, reflecting loan growth [2]. Equity and Capital - Shareholders' equity increased to $550.1 million as of June 30, 2025, compared to $485.2 million a year earlier, with a return on equity of 13.53% [7]. - The bank's Tier 1 leverage capital ratio stood at 11.95%, well above the regulatory minimum [7][13]. Operational Efficiency - Noninterest operating income for Q2 2025 was $7.4 million, consistent with the previous year, while noninterest expenses rose by $1.4 million due to increased salaries and benefits [6]. - The efficiency ratio improved to 50.58%, outperforming peer groups both in Alaska and nationally [6].

浙商证券研报指出，总的来说，银行股可以满足险资"长期稳健，绝对收益"的配置要求。考虑到增量和 存量保费入市，预计未来三年有超过5000亿险资资金增配银行。高股息、高收益、有席位的银行股仍是 险资"心头好"。 ...

Group 1 - The core viewpoint of the news is that Postal Savings Bank has seen fluctuating financing activities, with a net sell-off on a specific day despite recent buying trends [1][2][3] Group 2 - On August 8, Postal Savings Bank had a financing buy amount of 0.68 million yuan, ranking 267th in the market, with a financing repayment amount of 0.72 million yuan, resulting in a net sell-off of 447.79 thousand yuan [1] - Over the last three trading days from August 6 to August 8, the financing buy amounts for Postal Savings Bank were 0.55 million yuan, 0.79 million yuan, and 0.68 million yuan respectively [1] - In terms of securities lending, on the same day, there were 11.19 thousand shares sold short, with a net buy of 8.74 thousand shares [2]