为解决该问题，该行组成服务"小分队"，携移动展业设备驱车4个小时准确到达项目部，立即组织工作 人员克服信号波动、语言交流不畅等多重困难，高效完成多项金融业务办理。 目前，该行共为工人们开立工资卡38张，养老金账户23户，短信开通30户，理财账户签约33户，手机银 行开通38户。（狄芬） 转自：新华财经 地处古尔班通古特沙漠腹地的新疆某示范项目部，因位置偏远，周边没有设立金融机构，且通信信号不 畅，部分新入职工人没有工资卡，项目部工资发放及工人工资领取成为一大问题。 为此，邮储银行乌鲁木齐市米东区支行主动上门服务，为工人们解"薪"忧送上"定心丸"。 据了解，该示范项目部距该行125公里，但地处沙漠，途中30公里处于无信号区。工人往返网点办理工 资卡，需克服错峰作业、交通不便等多重问题，时间与经济成本高。但无卡则无法实现工资按时发放与 领取。 编辑：赵鼎 ...

转自：新华财经 为更好地服务广大市民，提供更便捷、高效的社保服务体验，工行南宁分行积极与南宁人社部门深化合 作，推出社银一体化"就近办"服务新模式。该模式成功将36项高频社保业务引入工行网点办理，有效延 伸了社保服务触角。项目上线至今，累计服务社保客群超20000人次、办理三代社保卡10000余张，受理 36项高频社保业务超2500笔，助力解决群众办理社保业务"最后一公里"的问题，赢得了市民的广泛好 评。 下一步，工行南宁分行将继续深化"社银一体化"服务内涵，不断优化服务流程、拓展服务范围，致力于 为广大市民提供更加安全、便捷、高效的"金融+社保"一站式服务体验。（刘莉婵） 编辑：赵鼎 服务网络快速覆盖，服务半径持续拓宽。工行南宁分行精心布局服务网络，优先选择客户流量大、服务 能力强的核心城区11家网点作为首批"社保银行一体化"旗舰店，可提供全部36项高频社保业务服务。在 此基础上，该行持续推进服务范围进一步扩大：8月至今，"就近办"网点已拓展至35家，其中城区27 家，县域8家（覆盖武鸣、横州、宾阳、隆安、马山）。同时，工行南宁分行全辖91家网点（覆盖县 域）均已支持社保卡办理及资格认证等基础社保服务，服务 ...

Core Points - Municipality Finance Plc (MuniFin) has issued EUR 30 million notes with a fixed interest rate of 3.09% per annum, maturing on 20 November 2035, and has the option to redeem early on 20 May 2029 [1][2] - The notes are part of MuniFin's EUR 50 billion debt issuance program and are expected to commence public trading on the Helsinki Stock Exchange on 20 November 2025 [2][3] - HSBC Continental Europe is acting as the dealer for this issuance [3] Company Overview - MuniFin is one of Finland's largest credit institutions, with a balance sheet exceeding EUR 55 billion, and is owned by Finnish municipalities, the public sector pension fund Keva, and the State of Finland [4] - The company focuses on environmentally and socially responsible investments, providing loans for projects such as public transportation, sustainable buildings, healthcare facilities, and homes for individuals with special needs [5] - MuniFin operates in a global business environment and is recognized as the first Finnish issuer of green and social bonds, with funding guaranteed by the Municipal Guarantee Board [6]

专业护航，助力养老财富稳健增长。该行深刻理解养老资金对于安全性与长期稳健增值的核心诉求，依 托养老金融服务平台，精选具备严格风控体系、投资策略审慎的产品，精准对接临近退休人员、中长期 储蓄客群及稳健型投资者的核心需求，通过科学的财务规划建议，有效引导客户树立长期投资理念，为 众多家庭的"老有所养"提供了可靠金融支撑。 暖心服务升级，打造便捷友好服务体验。为切实解决老年群体在金融服务中面临的"数字鸿沟"与行动不 便等难题，该行全面优化网点适老化服务，实现全辖网点老花镜、轮椅、爱心座椅、无障碍通道等适老 设施100%覆盖，并设立"爱心窗口""长者优先通道"等便捷服务。针对老年客户填单、智能机具操作难 点，提供"一对一"指导服务，主动切换设备"长辈关爱模式"；对行动不便客户，提供上门服务，2025年 累计为高龄、行动不便客户提供上门服务近百人次，精细化的服务显著提升了老年客户的满意度和获得 感。 筑牢防线，守护长者养老"钱袋子"。该行织密安全防护网，不定期深入社区、公园等场所开展专项宣教 活动，运用方言讲解、真实案例剖析等通俗形式，普及防范电信网络诈骗、非法集资知识，显著提升老 年群体的风险防范能力。同时，该行结合 ...

Core Viewpoint - Jiujiang Bank has transformed its advantages in party building into development advantages, maintaining steady growth over 25 years while focusing on serving the real economy and creating diverse value for customers, employees, and society [1] Group 1: Service to the Real Economy - Jiujiang Bank aims to optimize financial service supply, focusing on the needs of Jiangxi and providing financial support to the real economy, thereby contributing to the construction of a modern industrial system [1] - The bank has innovated a "inventory pledge + supply chain finance" model to address the financing challenges faced by light-asset copper processing enterprises, successfully issuing a loan of 130 million yuan [2] - As of the end of October, the platform for industrial finance has achieved a cumulative transaction amount of 252.6 billion yuan, effectively addressing financing difficulties for small and medium-sized enterprises [2] Group 2: Technological and Green Finance - Jiujiang Bank has introduced a "technical flow" evaluation system and various financial products to support technology enterprises, with a technology loan balance of 44.706 billion yuan, an increase of 11.75% from the beginning of the year [3] - The bank established the first green finance department in the province, creating multiple green financial products to support energy-saving and carbon-reduction initiatives, with a green loan balance of 44.697 billion yuan, up 16.13% year-to-date [4] - The bank has successfully issued 4 billion yuan in green financial bonds and has been recognized for its contributions to green finance [4] Group 3: Commitment to Social Responsibility - Jiujiang Bank has launched "New Employment Group Service Stations" to provide essential services and financial education to new employment groups, reflecting its commitment to "finance for the people" [5][6] - The bank has developed an elderly-friendly banking service and launched a comprehensive financial service brand for elderly care, demonstrating its focus on meeting diverse customer needs [6] - The bank actively engages in charitable activities, having established a charity foundation and received recognition for its social contributions [6] Group 4: Future Development Strategy - Jiujiang Bank aims to continue its strategic positioning of "party leadership, distinctive operations, quality enhancement, technology-driven, talent empowerment, and strict governance" to achieve high-quality development in the future [7]

新华财经上海11月19日电（记者高攀、王淑娟）近两年来，浦发银行深入推动"数智化"战略实施，重点 布局五大赛道，构建经营新模式。随着战略转型初见成效，浦发银行经营韧性持续彰显，市场看到了一 个稳步成长的"新浦发"。10月底，浦发银行500亿元可转债成功"谢幕"，新一轮发展引擎即将启动。 近日，记者专访了浦发银行行长谢伟，这位"70后"行长是有着30余年丰富银行从业经验的"老将"，在第 十四届"沪上金融家"评选中荣获"上海国际金融中心建设年度人物"。 "可转债成功转股为浦发银行进一步发展提供了底气和信心。"展望新征程，谢伟表示，浦发银行将围 绕"数智化"战略体系部署，坚持高目标引领，全力打造上海国际金融中心金融名片、银行业数智化转型 新标杆，奋力谱写全面建设具有国际竞争力的一流股份制商业银行新篇章。 数智化战略破局领航，驱动业绩韧性增长 在低利率与息差收窄的周期下，银行赛道正上演着盈利模式与风控能力的全方位较量。2025年三季报显 示，浦发银行是9家A股上市股份制银行里营收和净利润"双增"的唯一一家。而且，在盈利增长与风险 抵御上同步提升，不良贷款率继续下降、拨备覆盖率显著提升。 业务指标是经营成效最直观的体现 ...

Core Insights - Small and micro enterprises are crucial to the real economy, contributing over 50% of tax revenue, 60% of GDP, 70% of technological innovations, 80% of urban employment, and 90% of the total number of enterprises, yet they face persistent challenges in financing [1] - The traditional credit model's reliance on collateral and cumbersome offline processes makes it difficult for small suppliers to obtain timely financial support, especially in the context of supply chain ecosystems [1][2] - Recent initiatives by Bohai Bank demonstrate the effectiveness of supply chain finance in enhancing capital efficiency and supporting the real economy, as evidenced by the rapid financing of over 68 million yuan for 21 suppliers in just one day [1][2] Company and Industry Developments - Bohai Bank has developed a service model that leverages the credit of core enterprises, allowing for a "core enterprise credit penetration + fully online process" approach to address the financing needs of upstream suppliers [2] - The bank's digital transformation includes a fully digitized process from financing application to fund disbursement, enabling some transactions to be completed on the same day, thus improving efficiency [2] - As of the end of 2024, Bohai Bank served 2,634 supply chain enterprises, a year-on-year increase of 126.8%, with supply chain financial product issuance reaching 257.19 billion yuan, up 36.69% year-on-year [3]

Core Insights - The financial sector in Shanxi is actively supporting economic transformation through innovative financial products and services, focusing on technology, green finance, inclusive finance, and digital finance [2][3][4][10] Group 1: Technology Finance - Shanxi Zhonglai Solar Technology Co., Ltd. received a loan of 200 million yuan from Huaxia Bank without any collateral, enabling the company to procure raw materials for production [3] - The Jinzhong Financial Regulatory Bureau has launched a plan to create a technology finance hub, resulting in 66 customized financial products and over 20 billion yuan in signed agreements with 192 technology companies [4] Group 2: Green Finance - The green loan financing scale of Industrial Bank's Taiyuan branch reached 16.532 billion yuan by the end of September [5] - New insurance products like meteorological index insurance and forestry carbon sink insurance are being developed to support ecological protection in the Yellow River basin [4][5] Group 3: Inclusive Finance - Zhejiang Merchants Bank's domestic letter of credit service has significantly improved cash flow for coal enterprises, with nearly 2 billion yuan disbursed to downstream companies [6] - The balance of inclusive agricultural loans in Jinzhong reached 145.156 billion yuan, with a growth rate of 13.50%, surpassing the average loan growth rate [7] Group 4: Digital Finance - Digital financial services in Shanxi have improved convenience for citizens, with over 10 million transactions processed for traffic fines through online platforms [8] - The digital economy industry loan balance in Jinzhong reached 2.332 billion yuan, supporting the intelligent upgrade of traditional industries [8] Group 5: Pension Finance - Shanxi Bank has expanded its pension financial products, with a total scale of 92.069 billion yuan by the end of August, benefiting over 500,000 customers [9] - China Life Insurance's "Silver Age Health" insurance covered 640,000 people, with claims exceeding 5.7 million yuan, providing security for the aging population [9]

近日，国盛证券发布了一则股东减持预披露公告。 公告显示，公司三家持股5%以上股东——南昌金融控股有限公司（南昌金控）、江西江投资本有限公司（江 投资本）、江西省建材集团有限公司（江西建材）计划三个月内，合计减持不超过5453万股，占公司总股本比 例的2.82%。以公告日收盘价计算，此次减持规模市值约10亿元。 券商中国记者了解到，此次减持备受关注。一方面在于减持的时间点，新国盛证券刚刚正式揭牌10天左右，三 位大股东即大规模减持。另一方面在于，这是江西国资的一次成功操盘，3年前入股价格仅为9.1元每股，目前 股价已接近翻倍，江西国资资产增值约90亿元。 三大股东齐减持 根据公告，持有公司6.90%股份的股东南昌金控计划以集中竞价或大宗交易方式减持不超过1935万股，占公司 总股本比例1%；持有公司6%股份的股东江投资本计划以大宗交易方式减持不超过1582万股，占公司总股本比 例0.82%；持股6%的股东江西建材则计划通过集中竞价方式减持不超过1935万股，占公司总股本比例1%。 | 序号 | 股东名称 | 拟减持股份 数量不超过 (股) | 占公司总股 减持方式 本的比例 | | --- | --- | -- ...

| | 特定对象调研 分析师会议 | | --- | --- | | | □媒体采访 业绩说明会 路演活动 | | | □新闻发布会 | | 投资者关系活动类别 | □现场参观 | | | （投行会议） 其他 | | 参与单位名称及人员姓名 | 境内投资者 | | 时间 | 2025 年 11 月 18 日 | | 地点 | 深圳 | | 形式 | 现场会议 | | | 介绍公司发展战略、经营业绩，回答投资者提问 | | | 1. 请问贵行存款成本优化情况？ | | | 2025年1-9月，我行吸收存款平均付息率1.70%，较去年同期下 | | | 降43个基点，较去年全年下降37个基点。我行强化客户拓展和经营， | | | 加强低成本存款的吸收，存款结构和成本持续优化。 | | | 零售方面，9月末，我行零售存款余额12,796.30亿元，较上年 | | | 末下降0.6%；1-9月个人存款日均余额13,075.79亿元，较去年同期 | | | 增长4.2%，其中个人活期存款日均余额较去年同期增长15.8%；9月 | | | 末代发及批量业务带来客户存款余额3,835.58亿元，较上年末增长 | ...