格隆汇8月13日｜平安证券研报指出，常熟银行2025年上半年实现归母净利润19.7亿元，同比增长 13.5%。截至2025年6月末，常熟银行总资产规模达4012亿元，较年初增幅9.45%，其中贷款较年初增幅 4.40%，存款较年初增幅8.46%。根据公司2025年中期利润分配方案，中期分红比例为25.27%。关注零 售和小微业务变化，中期分红水平抬升。公司始终坚守"三农两小"市场定位，持续通过深耕普惠金融、 下沉客群、异地扩张走差异化发展的道路，零售与小微业务稳步发展，未来有望持续受益于小微企业和 零售客户需求的持续回暖。2025年中期分红率达到25.27%（19.77%，24A），分红水平较往年抬升明 显。此外，截至8月12日，公司可转债余额达到60亿元，其中8月12日收盘价（7.88元）来看已超过可转 债强赎价格（7.85元），未来若成功转股，资本实力有望进一步增厚。该行维持公司盈利预测，长期看 好公司小微业务的发展空间，维持"强烈推荐"评级。 ...

平安证券研报指出，常熟银行2025年上半年实现归母净利润19.7亿元，同比增长13.5%。截至2025年6月 末，常熟银行总资产规模达4012亿元，较年初增幅9.45%，其中贷款较年初增幅4.40%，存款较年初增 幅8.46%。根据公司2025年中期利润分配方案，中期分红比例为25.27%。关注零售和小微业务变化，中 期分红水平抬升。公司始终坚守"三农两小"市场定位，持续通过深耕普惠金融、下沉客群、异地扩张走 差异化发展的道路，零售与小微业务稳步发展，未来有望持续受益于小微企业和零售客户需求的持续回 暖。2025年中期分红率达到25.27%（19.77%，24A），分红水平较往年抬升明显。此外，截至8月12 日，公司可转债余额达到60亿元，其中8月12日收盘价（7.88元）来看已超过可转债强赎价格（7.85 元），未来若成功转股，资本实力有望进一步增厚。该行维持公司盈利预测，长期看好公司小微业务的 发展空间，维持"强烈推荐"评级。 ...

Core Viewpoint - The article highlights a customer service success story at the China Construction Bank (CCB) branch in Jining, where staff effectively assisted an elderly customer in retrieving a long-lost deposit, showcasing the bank's commitment to customer needs and service quality [1] Group 1: Customer Service Experience - An elderly man discovered a record of a deposit from over a decade ago on his mobile banking app but had lost the physical deposit certificate [1] - The branch manager calmly reassured the customer and guided him through the process of verifying the deposit using a smart teller machine [1] - The bank staff provided professional and efficient service, helping the customer complete the procedures for reporting the loss and reissuing the deposit certificate [1] Group 2: Commitment to Customer Needs - The CCB Jining branch prioritizes customer needs, demonstrating a strong service attitude and professional capabilities to resolve client issues [1] - The bank aims to continuously improve service quality and uphold its commitment to customer satisfaction, ensuring that clients feel valued and supported [1]

Core Viewpoint - The company emphasizes a customer-centric approach by providing door-to-door financial services, particularly for vulnerable groups such as the elderly and disabled, enhancing accessibility and convenience in financial transactions [1][2]. Group 1: Service Initiatives - The bank's staff proactively reach out to elderly customers, offering to assist with social security card applications at their homes, demonstrating a commitment to personalized service [1]. - The bank has implemented a "green channel" and home service initiatives to address the challenges faced by special groups in accessing financial services [1]. Group 2: Customer Experience - Customers express appreciation for the convenience of home services, highlighting the positive impact on their experience and the emotional connection fostered by the bank's efforts [1]. - The bank's actions reflect a broader commitment to extending quality financial services beyond traditional branch locations, ensuring that assistance reaches those in need [2]. Group 3: Future Commitment - The bank plans to continue its mission of providing thoughtful services, aiming to reach more customers and enhance their experience with accessible financial care [2].

12日，《个人消费贷款财政贴息政策实施方案》（下称个人消费贷贴息方案）和《服务业经营主体贷款 贴息政策实施方案》（下称服务业贷款贴息方案）同时公布。 方案发布后，截至发稿时，已有工商银行、农业银行、建设银行、邮储银行等十余家银行相继公告，对 符合要求的个人消费贷款或服务业经营主体贷款实施贴息。 个人消费贷贴息9月1日落地 对于贴息范围，根据个人消费贷贴息方案，为居民个人使用贷款经办机构发放的个人消费贷款中实际用 于消费的部分。 具体来看包括两类：一是单笔5万元以下消费；二是单笔5万元及以上的家用汽车、养老生育、教育培 训、文化旅游、家居家装、电子产品、健康医疗等重点领域消费。对于单笔5万元以上的重点领域消 费，以5万元消费额度为上限进行贴息。 在8月13日举行的国新办新闻发布会上，财政部金融司司长于红介绍，对于单笔5万元以下的消费，按照 实际金额计算贴息，多笔叠加以后，在同一家贷款机构最高可以享受贴息1000元；对于单笔5万元以上 的消费，以5万元为上限来计算贴息，也可以多笔叠加，加上小额消费的贴息以后，在同一家贷款机构 最高可享受贴息是3000元。 在贴息利率方面，财政部有关负责人在答记者问时表示，此次个人 ...

专业担当筑牢资金防线 8月6日下午，中信银行济南天桥支行大堂内，一位老年客户神色紧张地提出申请："我要上调银行卡转账限额，补缴抖音的自动扣费。"简单的诉求背后，客 户含糊其辞的表述和紧绷的神情，让银行人员心生疑虑：补缴费用为何需要大额转账？于是，她一边安抚客户情绪，一边耐心引导其沟通细节。原来客户此 前已在陌生人的引导下安装了一款名为"慧协通"的非法APP（该软件无法自行卸载），并按对方要求开启了屏幕共享功能。更关键的是，客户已将他行40万 元资金转入该行账户，只因转账限额限制未能转出，而所谓的"抖音补缴费用"，实则是诈骗分子设下的圈套。 果断处置筑牢资金防线 "这是典型的电信诈骗，骗子可以通过屏幕共享看到您的密码和验证码，必须马上止损！"判断客户遭遇电信诈骗后，银行人员当机立断，指导客户关闭了银 行卡非柜面交易渠道，切断诈骗分子远程操作的可能；对客户名下所有账户进行挂失处理，从源头阻断资金外流路径。 随后，银行人员又陪同客户前往派出所报案，并协助清理手机内的风险软件，彻底消除安全隐患。一系列快速精准的操作，让40万元稳稳留在了客户账户 中。 "多亏你们及时拦住我，不然我的养老钱就没了！"8月7日，一位老年客 ...

整个过程中，工作人员始终保持耐心与专业，用清晰的表述解答客户的疑问，让语言沟通的障碍降至最 低。最终，在确保业务合规的前提下，高效完成了这笔境外个人购汇及取现汇业务。 近日，建行菏泽单县支行迎来一位特殊的客户 —— 来自突尼斯的外籍人士。这位客户不久后将调至迪 拜工作，急需办理境外个人购汇并取现汇业务。 了解客户需求后，柜面人员第一时间告知其办理境外个人购汇所需的材料：外国护照、银行卡、收入证 明、劳务合同、交易明细、完税证明及交易场景说明等。考虑到客户对业务流程可能不熟悉，且涉及跨 国工作调动的紧急情况，工作人员主动与客户所在公司取得联系，详细说明所需资料的具体要求，协助 其尽快准备齐全。 待所有资料审核通过后，该行迅速启动协同服务机制。低柜柜员负责核对客户身份信息、确认购汇用途 的合规性，高柜柜员则专注于系统操作、汇率查询及资金划转等环节，两人密切配合、无缝衔接，以最 快速度推进业务办理。 拿到相关凭证时，这位突尼斯客户竖起了大拇指，用不太流利的中文连连道谢："非常感谢你们，不仅 帮我理清了需要的材料，还办得这么快，让我能安心准备去迪拜的工作，太专业了！" 建行菏泽单县支行负责人表示，此次为外籍客户办理业 ...

Core Points - The core idea of the news is that the Bank of China Dongying Lijin Branch is implementing a door-to-door service for elderly clients in remote villages to address their difficulties in accessing banking services [1][2] Group 1: Service Implementation - The bank organized a service team to visit multiple remote villages, providing on-site assistance to elderly individuals who are elderly, living alone, or disabled [1] - Transportation challenges hinder elderly clients from reaching bank branches, making simple tasks like activating social security cards and resetting passwords difficult for them [1] - The bank developed a special service plan after assessing the needs of elderly clients, sending staff equipped with mobile devices to provide "zero-distance" financial services [1] Group 2: Service Process - During the home service, staff maintained patience and attention to detail, verifying information and assisting with various banking tasks [1] - Staff provided hands-on guidance to help elderly clients set passwords and use social security card functions, ensuring they could master these skills [1] - To enhance financial risk awareness among elderly clients, staff conducted on-site education on preventing telecom fraud and illegal fundraising, distributing informational brochures [1] Group 3: Community Impact - This door-to-door service is part of the bank's commitment to the "Finance for the People" philosophy and supports rural revitalization, receiving high recognition from local communities [2] - The bank plans to expand its service range and establish long-term cooperation with local governments and village committees to ensure continuous access to convenient and safe financial services for elderly clients in remote areas [2]

Market Overview - The Shanghai Composite Index (沪指) broke through the previous year's high of 3674 points, reaching a new high of 3688.63 points, the highest since December 13, 2021 [1] - On August 13, the market saw a significant increase in trading volume, with a total turnover of 2.18 trillion yuan, an increase of approximately 2699.99 billion yuan from the previous trading day [1] - The market experienced a broad-based rally, with over 2700 stocks rising, leading to a 0.48% increase in the Shanghai Composite Index, a 1.76% increase in the Shenzhen Component Index, and a 3.62% increase in the ChiNext Index [1] Sector Performance - AI hardware stocks continued to surge, with companies like Industrial Fulian reaching new historical highs [5] - The brokerage sector showed strong performance, with Guosheng Jin控 (国盛金控) achieving consecutive gains [5][7] - The non-ferrous metals sector also performed well, with companies like Zijin Mining and Luoyang Molybdenum both reaching historical highs [5] Concept Indices - The top-performing concept indices included CPO (光模块) at 6.24%, copper industry at 4.84%, and industrial gases at 4.34% [6] - Other notable sectors included semiconductor materials and industrial automation, which also showed positive growth [6] Investment Trends - The brokerage sector is experiencing growth driven by increased client margin balances and a rise in leverage among existing clients, indicating a potential new growth phase for the securities industry [7] - The brain-computer interface sector gained attention following a government initiative aimed at significant technological breakthroughs by 2027, with applications expected in various fields [9] - The robotics sector saw a boost with the announcement of the first World Humanoid Robot Sports Competition, scheduled for August 14-17 [10] Hong Kong Market - Hong Kong's biopharmaceutical stocks showed strong performance, with companies like Pagoda Bio and WuXi AppTec experiencing significant gains [12] - The technology sector in Hong Kong also saw a rally, with major companies like Alibaba and Tencent reporting substantial increases in stock prices [12] - The overall market sentiment in Hong Kong remains positive, supported by robust earnings expectations and a steady inflow of southbound capital [14]

Core Insights - The A-share market has shown strong performance, with the Shanghai Composite Index rising by 0.48% to 3683.46 points, marking a nearly four-year high [1] - The Shenzhen Component Index increased by 1.76%, and the ChiNext Index surged by 3.62%, both reaching new highs for the year [1] - The total market turnover reached 2.18 trillion yuan, an increase of 270 billion yuan compared to the previous trading day, surpassing 2 trillion yuan for the first time in 114 trading days [1] Sector Performance - Leading sectors included optical modules (CPO), copper industry, optical chips, and industrial gases, which saw significant gains [1] - AI hardware stocks continued to perform well, with companies like Industrial Fulian reaching historical highs [1] - Brokerage stocks experienced a brief surge, with Guosheng Financial Holdings achieving two consecutive trading limit ups [1] - Conversely, sectors such as coal, banking, ports, and logistics faced declines [1] - Over 2700 stocks in the market recorded gains [1]