中国人民银行会同国家金融监督管理总局、中国证券监督管理委员会起草的《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）》（下称"管理办法"），正在向社会公开征求意 见。 制定管理办法的背景有两个；一是，新修订的《反洗钱法》于2025年1月1日起正式施行，需要相关支持 措施的进一步细化；二是，近年来监管发现，金融机构在结合风险状况采取与风险相匹配的客户尽职调 查措施方面存在不足，需要在管理办法中进一步明确基于风险的客户尽职调查具体要求。 管理办法起草说明指出，参考金融行动特别工作组（FATF）反洗钱国际标准，我国在金融机构简化尽 职调查、持续尽职调查、受益所有人等方面的具体规定上，与国际标准还存在差距。 金融机构反洗钱尽职调查工作十分重要，但在具体执行过程中也出现一些"不便民"的情况。 比如，曾经有一位储户要取2.5万元现金，被银行工作人员反复盘问存入资金的来源和取出资金的用 途。储户认为这是自己的钱，银行没有权力进行诘问式盘问，一怒之下改为每个单笔取一元。这当然是 储户的情绪发泄，但也反映出金融机构有些尽职调查确实存在不合情、不合理的情况。类似这种情况不 是单独案例。 根据中国人民银行发 ...

Group 1 - The core viewpoint is that the enthusiasm for saving among domestic depositors is increasing, with a significant rise in the total savings balance reaching 128.4 trillion yuan, a year-on-year growth of 7.2% as of May 2025 [1] - The demographic of savers is shifting, with more young people now prioritizing savings to prepare for unexpected events like unemployment and illness, alongside rising risks in the domestic capital market [1] - There are four major issues that households with savings may face in the coming years: declining deposit interest rates, increasing difficulty in cash withdrawals, deposit rates failing to keep up with inflation, and a reluctance to invest [1] Group 2 - Deposit interest rates are decreasing, with the one-year deposit rate dropping from 2.25% to 1.35%, resulting in a significant reduction in interest income for depositors [1] - The difficulty in cash withdrawals is increasing, requiring three days' notice and a statement of purpose for large withdrawals, which has led to dissatisfaction among depositors [4] - Deposit rates are not keeping pace with inflation, leading to a decline in the purchasing power of savings, although the current economic environment is experiencing a deflationary trend with a CPI of -0.1% [5] - Many depositors are hesitant to invest due to low bank interest rates and high risks associated with other investment options, with significant losses reported in the stock market and mutual funds [8]

Group 1 - The Supreme People's Court issued 25 specific judicial measures to address the challenges faced by the private economy, particularly focusing on the issues of "difficult and expensive financing" [1] - The "Guiding Opinions" aim to regulate illegal lending practices such as "usury" and "head-cutting interest," while also encouraging innovative financing guarantee models to support the development of the private economy [1][2] - The "Guiding Opinions" emphasize the need for legal protection of private enterprises' rights and interests against arbitrary loan practices by financial institutions, which can exacerbate the financial difficulties faced by these enterprises [3] Group 2 - The "Guiding Opinions" support the recognition of non-typical guarantees and the expansion of financing channels through supply chain financing, which is crucial for small and medium-sized private enterprises [4][5] - A long-term mechanism will be established to improve credit information sharing, allowing enterprises with a willingness to recover from setbacks to access financing opportunities [5] - The Supreme People's Court will collaborate with relevant departments to ensure timely updates of enterprise credit information, which is essential for preventing financing disruptions due to outdated information [5]

记者丨孙永乐 编辑丨巫燕玲 国联民生证券新一届管理层正式确立，共有16人，即顾伟担任董事长、葛小波担任总裁，汪锦 岭、熊雷鸣为执行副总裁。 对于顾伟此番履新，业界并不意外。 国联集团是无锡市政府出资设立的国有资本投资运营和授权经营试点企业，也是国联民生证券 合并后的控股股东，而国联民生证券的合并作为无锡国资成功推动的券商市场化并购案例。 2023年12月4日，国联集团发布关于总裁发生变动的公告，根据《市政府关于顾伟、华伟荣同 志职务任免的通知》，任命顾伟为无锡市国联发展（集团）有限公司总裁。 2024年3月、7月，顾伟先后担纲民生证券董事长、原国联证券党委书记，操刀"国联+民生"整 合事项。 75后的顾伟有较为丰富的工作履历。历任无锡市财贸信息中心科员，无锡市财贸办公室秘书处 副处长，无锡市政府办公室综合一处副处长，行政处处长，无锡市南长区政府、梁溪区政府副 区长，无锡市行政审批局局长、党组书记，无锡市地方金融监督管理局局长、党组书记等职 务。 8月8日，国联民生证券（601456.SH）新一届核心领导班子正式亮相。 公司现任党委书记顾伟出任董事长，原董事长葛小波因工作调整原因辞去该职，仍担任公司执 行董事、 ...

Core Viewpoint - The article discusses the Supreme People's Court's issuance of the "Guiding Opinions on Implementing the Private Economy Promotion Law," which aims to address the challenges faced by the private economy, particularly focusing on the issues of "difficult financing and expensive financing" through 25 specific judicial measures [1]. Group 1: Financing Challenges - The "Guiding Opinions" specifically target the regulation of illegal lending practices such as "usury" and "head-cutting interest," while also standardizing the lending behavior of financial institutions and encouraging innovative financing guarantee models [1][3]. - The article highlights that the "Private Economy Promotion Law," which took effect on May 20, 2023, emphasizes investment and financing promotion as a core component, addressing the persistent issue of "difficult and expensive financing" that hinders the growth of the private economy [1][3]. Group 2: Regulation of Illegal Lending - The "Guiding Opinions" aim to regulate private lending order and impose strict penalties on illegal lending activities, which often lead to financial black and gray market behaviors [3][4]. - A case study is presented where an individual faced severe financial exploitation through illegal lending practices, illustrating the detrimental impact of such activities on private enterprises' financing costs and overall order in private financing [4][5]. Group 3: Financial Institution Practices - The document addresses the need to regulate financial institutions' unilateral actions, such as increasing loan conditions, halting loan disbursement, and prematurely recalling loans, to protect the legitimate rights and interests of private economic organizations [5][6]. - The article cites an example of a business owner who experienced a sudden withdrawal of credit, exacerbating their financial difficulties, highlighting the need for stricter regulations to prevent such practices [5][6]. Group 4: Innovative Financing Solutions - The "Guiding Opinions" focus on expanding new financing guarantee methods, supporting private economic organizations in utilizing supply chain and industry chain resources for financing [7][8]. - The article emphasizes the importance of recognizing the legal validity of non-typical guarantees, which can help private enterprises effectively leverage their asset resources for credit financing [7][8].

8月8日晚，成都银行发布公告称，因股价持续超过增持计划披露的价格上限，公司实控人成都市国资委实际控制的企业——成都产业资本控股集团有限公 司（简称"成都产业资本集团"）、成都欣天颐投资有限责任公司（简称"成都欣天颐"），仍未增持公司股份，成都市国资委及增持主体拟对原增持计划进 行调整。 8月8日晚，成都银行称，由于股价持续超过原增持计划设定的价格上限，成都产业资本集团、成都欣天颐仍未增持公司股份。 股价持续超过增持价格上限 此前，成都银行在4月9日发布公告称，成都产业资本集团、成都欣天颐拟自4月9日起6个月内，通过上海证券交易所系统，以集中竞价等合法合规方式， 增持成都银行A股普通股股份。 原增持计划为，增持价格不超过截至增持计划公告披露日成都银行除权除息后的历史最高股价17.59元/股，在上述增持价格上限范围内，两家增持主体拟 增持的股份数量合计不超过7958.87万股，占成都银行股份总数的比例不超过1.878%；合计不低于3979.44万股，占成都银行股份总数的比例不低于 0.939%。 自4月9日以来，成都银行股价呈现上涨态势。8月8日，成都银行报19.03元/股，较4月9日收盘价15.91元/股，上涨 ...

8月8日，据中国人民银行广东省分行公布的行政处罚决定信息公示表显示，珠海华润银行因"违反支付 结算业务、货币金银业务、国库业务、征信业务、反洗钱业务管理规定"，被警告并罚款334.75万元。 时任珠海华润银行法律合规部总经理谭某，对该行未按规定履行客户身份识别义务；未按规定报送大额 交易报告或者可疑交易报告的行为负有责任，被罚款5万元。 如果加上高管个人处罚，本轮罚单总额超过360万元。 实际上，合规内控风险的背后，叠加了业绩滑坡。按照该行2024年报，实现营收71.32亿元，增幅 4.87%；而归母净利润则降幅近七成，由上年末的13.96亿元缩减68.21%至4.44亿元。对于净利润的缩 水，该行解释称"是对存量风险资产进行评估后计提信用减值损失所致"。 值得一提的，今年一季度， 该行继续延续承压趋势，营收下滑超两成。 采写：南都湾财社记者 卢亮 | 17- | 当事人名称(姓名、郎 | 行政处罚决 | 违法行为类型 | 行政处罚内容 | 作出行政处罚 | | --- | --- | --- | --- | --- | --- | | 3 | 第) | 定书文号 | | | 决定机关名称 | | | 味海华 ...

南方财经记者 庞成 广州报道 第十五届全国运动会（简称"十五运会"）将于2025年11月在广东、香港、澳门举行。 日前，中国工商银行与十五运会广东赛区执委会签约，正式成为"第十五届全国运动会银行合作伙伴"。 8月8日，工行在广州举办"第十五届全国运动会金融服务发布会"，宣布正式启动赛事金融服务。 工行还构建了赛事门票销售"全渠道支付矩阵"，线上支持银联卡、数字人民币、外卡等全品牌支付，线 下智能POS终端覆盖场馆、商圈、酒店，实现银行卡、数字人民币"一码通行"。同时，持续提升外卡受 理能力，扩大外卡受理商户覆盖面，加快推广外卡内绑等支付产品，增强现金供给能力，网点常态化配 置"零钱包"，让境外选手和旅客畅享丝滑支付。 此外，全运会期间，工行将聚焦票务、酒店餐饮、特许商品零售店和文旅景区等场景，联合商户开展信 用卡、借记卡和数字人民币消费优惠活动，激活赛事经济，助力提升消费活力。 据了解，工行将整合工银集团全球资源，汇聚粤港澳大湾区机构力量，形成服务合力，构建覆盖"赛前 筹备、赛中保障、赛后延伸"的全生命周期赛事金融服务生态。 工行将在手机银行和工银e生活平台上线"全运专区"，打造集票务信息及赛事资讯、票务购买 ...

Core Viewpoint - The article emphasizes the importance of digital transformation for Chinese commercial banks, highlighting the need for high-quality development and the integration of digital finance into their operations to enhance service efficiency and competitiveness [2][3]. Group 1: Digital Transformation Direction - The digital transformation of commercial banks is driven by the integration of digital economy and traditional banking, focusing on enhancing financial services through advanced technologies like AI, big data, and blockchain [3]. - The future of banking will see a shift from providing specific financial products to embedding financial services seamlessly into daily life, enhancing customer experience [3]. - Deep digitalization will create competitive advantages through high-frequency scenarios and customer profiling, enabling banks to better serve their clients [3]. Group 2: Challenges in Digital Transformation - The development of data capability systems is lagging behind the pace of digital transformation, limiting banks' ability to innovate [6]. - There is often a disconnect between business needs and digital transformation efforts, with a focus on system development rather than actual service requirements [7]. - Traditional organizational structures hinder the responsiveness of technology and business lines to evolving market demands, leading to inefficiencies [8]. Group 3: Basic Thoughts on Digital Transformation - The primary focus should be on maximizing data value, with strategies centered around governance, application, and management optimization [10]. - Implementing AI models to empower core business processes is essential, with a focus on creating intelligent workflows and enhancing customer interactions [11]. - A dynamic tracking incentive mechanism should be established to encourage the use of digital tools across business departments [11]. Group 4: Effective Promotion of Digital Transformation - The transformation process should follow a structured path: strategic transformation, architectural transformation, technological transformation, and business transformation [12]. - Strengthening top-level leadership and creating agile organizational structures will enhance responsiveness to market needs [13]. - Business transformation should prioritize mobile-first strategies, scenario-based services, and intelligent risk management to adapt to the digital landscape [14].

Core Points - Agricultural Bank of China (ABC) has surpassed Industrial and Commercial Bank of China (ICBC) in A-share circulating market value, reaching 2.11 trillion yuan as of August 6, 2023, while ICBC stands at 2.09 trillion yuan [1][2] - Despite ABC's lead in A-share market value, ICBC remains the largest bank in China by total market value, with 2.78 trillion yuan compared to ABC's 2.35 trillion yuan as of August 8, 2023 [4][5] Market Performance - ABC's stock price has shown significant growth, with a year-to-date increase of 31.3% as of August 7, 2023, outperforming other major banks [9] - From the beginning of 2023 to August 7, ABC's stock price surged by 170%, while ICBC and other major banks saw increases ranging from 51.46% to 111.14% [9] Financial Performance - In Q1 2025, ABC reported a revenue of 186.67 billion yuan, a slight increase of 0.35% year-on-year, and a net profit of 71.93 billion yuan, up 2.20% [10] - ABC's non-performing loan ratio stood at 1.28% in Q1 2025, better than ICBC's 1.33% [10] Business Strategy - ABC is focusing on "downward" market strategies, directing financial resources towards rural areas, with 55,000 county-level customer managers and a loan balance of 9.85 trillion yuan in rural areas by the end of 2024 [11][12] Dividend Appeal - The overall banking sector has seen a surge, with the China Securities Bank Index rising nearly 50% since 2023, driven by low interest rates and a demand for high dividend assets [14] - ABC's dividend yield is 3.60%, lower than several peers, but still part of a broader trend where 26 out of 42 listed banks have yields exceeding 4% [16][17] Valuation Metrics - As of August 8, 2023, ABC has the highest price-to-book ratio among the six major state-owned banks at 0.89, indicating a relatively favorable valuation compared to its peers [18]