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金融观察员|央行征求《人民币跨境支付系统业务规则》意见
Sou Hu Cai Jing· 2025-07-07 10:12
Group 1: Central Bank and Financial Regulations - The People's Bank of China has released a draft for the "Rules for Cross-Border Payment System" to enhance the management mechanism of CIPS, addressing account management, funding settlement, and risk management [1] - The draft includes six chapters and thirty-one articles to adapt to the ongoing optimization and functional upgrades of CIPS [1] Group 2: Consumer Finance Industry - In the first half of 2025, seven consumer finance companies issued a total of 12.1 billion yuan in financial bonds, a decrease of approximately 40% year-on-year [1] - Despite the decline in issuance, low-interest rates have allowed some financial bonds to drop below 2%, aiding in cost reduction and liability optimization [1] - The consumer finance industry is diversifying its financing channels, with ABS and syndicated loans becoming more mainstream [1] Group 3: Banking Sector Performance - JiuTai Rural Commercial Bank is expected to report a net loss of 1.7 to 1.9 billion yuan for 2024, leading to a cash offer for its shares and the initiation of delisting procedures [2] - The bank's performance has deteriorated significantly, with revenue and net profit shrinking, and an increase in non-performing loan rates [2] - China Resources Bank has seen a notable decline in performance, with a 67.97% drop in net profit for 2024 and a further 74.22% decrease in the first quarter of 2025 [2] Group 4: Audit and Compliance - Huishang Bank has appointed KPMG as its new auditing firm for the 2025 fiscal year, replacing Ernst & Young [3] Group 5: Innovative Banking Services - Shanghai Pudong Development Bank has launched "pet-friendly" branches, providing amenities for pet owners and introducing themed financial products [3] - The bank aims to enhance customer experience while fulfilling social responsibilities through community engagement and support for stray animals [3] Group 6: Fund Custody Qualification - Chongqing Rural Commercial Bank has obtained fund custody qualifications, becoming the first commercial bank to do so in 2023 [4] - A total of 37 banks have now received fund custody qualifications, including various categories of banks [4]