在安徽省，汽车产业链快速壮大，为经济发展注入强劲动能，"合肥—芜湖"双核带动、多点协同的产业 格局持续巩固，奇瑞、江淮、比亚迪、蔚来、大众安徽等整车企业集聚，超3100家规模以上零部件企业 协同发展。然而，链上众多零部件企业常面临融资流程长、抵押门槛高等难题，传统信贷模式难以适配 产业高速发展。面向"十五五"、抢抓关键期，中国工商银行安徽省分行（简称"工行安徽省分行"）持续 深化金融供给侧结构性改革，培育金融领域新质生产力，服务经济社会高质量发展，赋能安徽跑出汽 车"首位产业"加速度。 "十五五"时期是基本实现社会主义现代化夯实基础、全面发力的关键时期。站在新的历史起点，为更好 发挥金融对经济的支撑作用，工行安徽省分行围绕区域空间生态与产业生态融合互促，因地制宜深化金 融改革创新，通过"数据+AI+业务"融合，构建"数字化、批量化、集约化"的汽车产业集群金融服务新模 式。 AI赋能：从"单点审贷"到"集群智投" 面对产业集群化发展新格局，工行安徽省分行创新运用"智贷通"数字工具，构建"产业链+大数据+人工 智能+流程优化"一体化综合服务模式。该模式以行内AI智能体为中心，依托多维数据融合分析与专业 团队深度协 ...

近日滨海投资(02886)与中国农业银行战略合作签约仪式在中国农业银行天津研修中心隆重举行。在滨 海投资控股股东泰达控股集团与中国农业银行天津分行领导见证下，滨海投资全资附属公司滨海投资 (天津)有限公司与中国农业银行天津西青支行订立《战略合作协议》，以建立全面战略合作关系，共同 推动天津市产业发展与城市优化。 双方合作范围亦涵盖现金管理、代发工资、缴费场景服务、个人金融服务及下游客户集群服务等多个领 域，旨在通过中国农业银行天津西青支行创新服务模式及全面的金融产品与服务，为滨海投资快速发展 提供有效金融途径。 随着滨海投资融资优化方案的稳健实施，财务费用压降已经于二零二五年上半年获得显著成效。公司认 为，战略合作协议的签署将持续深化滨海投资与金融机构的良好合作关系，有利于滨海投资进一步优化 融资结构、降低融资成本、提升资金使用效率，从而巩固滨海投资在区域经济发展中的市场地位，提升 综合竞争力。 根据战略合作协议，中国农业银行天津西青支行同意在未来五年内为滨海投资提供等值人民币十亿元的 意向性授信额度，在合规前提下，以优惠的存贷款利率和收费标准支持滨海投资的生产经营及投资等各 类信贷业务需求。 ...

双方合作范围亦涵盖现金管理、代发工资、缴费场景服务、个人金融服务及下游客户集群服务等多个领 域，旨在通过中国农业银行天津西青支行创新服务模式及全面的金融产品与服务，为集团快速发展提供 有效金融途径。 随着集团融资优化方案的稳健实施，财务费用压降已经于2025年上半年获得显着成效。董事会认为，战 略合作协议的签署将持续深化集团与金融机构的良好合作关系，有利于集团进一步优化融资结构、降低 融资成本、提升资金使用效率，从而巩固集团在区域经济发展中的市场地位，提升综合竞争力。 滨海投资(02886)发布公告，公司全资附属公司滨海投资(天津)有限公司已经与中国农业银行股份有限公 司天津西青支行订立战略合作协议，以建立全面战略合作关系，共同推动天津市产业发展与城市优化。 根据战略合作协议，中国农业银行天津西青支行同意在未来五年内为集团提供等值人民币十亿元的意向 性授信额度，在合规前提下，以优惠的存贷款利率和收费标准支持集团的生产经营及投资等各类信贷业 务需求。 ...

双方合作范围亦涵盖现金管理、代发工资、缴费场景服务、个人金融服务及下游客户集群服务等多个领 域，旨在通过中国农业银行天津西青支行创新服务模式及全面的金融产品与服务，为集团快速发展提供 有效金融途径。 随着集团融资优化方案的稳健实施，财务费用压降已经于2025年上半年获得显著成效。董事会认为，战 略合作协议的签署将持续深化集团与金融机构的良好合作关系，有利于集团进一步优化融资结构、降低 融资成本、提升资金使用效率，从而巩固集团在区域经济发展中的市场地位，提升综合竞争力。 格隆汇12月22日丨滨海投资(02886.HK)发布公告，公司全资附属公司滨海投资(天津)有限公司已经与中 国农业银行天津西青支行订立战略合作协议，以建立全面战略合作关系，共同推动天津市产业发展与城 市优化。 根据战略合作协议，中国农业银行天津西青支行同意在未来五年内为集团提供等值人民币十亿元的意向 性授信额度，在合规前提下，以优惠的存贷款利率和收费标准支持集团的生产经营及投资等各类信贷业 务需求。 ...

双方合作范围亦涵盖现金管理、代发工资、缴费场景服务、个人金融服务及下游客户集群服务等多个领 域，旨在通过中国农业银行天津西青支行创新服务模式及全面的金融产品与服务，为集团快速发展提供 有效金融途径。 随着集团融资优化方案的稳健实施，财务费用压降已经于2025年上半年获得显著成效。董事会认为，战 略合作协议的签署将持续深化集团与金融机构的良好合作关系，有利于集团进一步优化融资结构、降低 融资成本、提升资金使用效率，从而巩固集团在区域经济发展中的市场地位，提升综合竞争力。 格隆汇12月22日丨滨海投资(02886.HK)发布公告，公司全资附属公司滨海投资(天津)有限公司已经与中 国农业银行天津西青支行订立战略合作协议，以建立全面战略合作关系，共同推动天津市产业发展与城 市优化。 根据战略合作协议，中国农业银行天津西青支行同意在未来五年内为集团提供等值人民币十亿元的意向 性授信额度，在合规前提下，以优惠的存贷款利率和收费标准支持集团的生产经营及投资等各类信贷业 务需求。 ...

内蒙古银行聚焦服务实体经济，以高效审批与综合化服务为抓手，向中盐吉兰泰盐化集团有限公司批复 15亿元集团授信，期限1年，并完成首期4.4亿元投放，支持企业在日常经营周转与原材料采购等关键场 景的资金需求，以金融活水助力这家扎根内蒙古的国有大型盐化企业加速产业布局、提升经营效能。 本次合作以"快审、优价、组合担保、全链条服务"，助力央企子公司做优做强、行稳致远，体现了本土 金融机构服务实体经济的担当与效率。这一合作不仅是银企双方深化战略协作的重要里程碑，更开创了 银企携手服务国家战略、推动区域经济转型升级的崭新篇章，是金融供给侧精准滴灌实体经济的生动实 践。 授信结构精准定制，全方位满足集团化运营需求 本次集团授信方案设计凸显了精准化、结构化的服务理念。内蒙古银行深入调研中盐吉兰泰盐化集团的 多元化运营格局后，对15亿元总额进行了科学分解。 向集团母公司中盐吉兰泰盐化集团有限公司提供5亿元流动资金贷款，以信用方式担保，保障其日常经 营周转的资金血脉畅通；为其控股的上市公司——中盐内蒙古化工股份有限公司配置4亿元流动资金贷 款，专项用于原材料采购及营运资金补充，巩固其产业核心地位，分别为中盐吉兰泰氯碱化工有限公 ...

Core Insights - China Construction Bank's Heze Lushi New District branch provided comprehensive financial support to a local enterprise, demonstrating the bank's commitment to serving the real economy and fulfilling its social responsibility [1] Financial Support - The enterprise is undergoing a critical transformation and urgently needed financial services for cash flow [1] - The branch quickly assembled a professional service team to tailor a financial service plan, resulting in the approval and disbursement of a CNY 8.5 million (approximately USD 1.2 million) mortgage loan within one week [1] Impact on the Enterprise - The funding alleviated the enterprise's operational pressure and facilitated its technological upgrades and market expansion [1] - The enterprise's representative expressed appreciation for the bank's efficient service, highlighting the tangible support from financial institutions to the real economy [1] Comprehensive Financial Services - Following this credit cooperation, the branch deepened its comprehensive financial services, offering payroll services, international settlement, and wealth management [1] - The enterprise has transferred payroll services for over 800 employees and fully shifted its international settlement business to the branch [1] Contribution to Local Economy - This collaboration reflects China Construction Bank's role in supporting the real economy and achieving win-win outcomes for both the bank and the enterprise, contributing positively to employment stability and economic development [1] - The branch plans to further explore the local market and innovate financial services to provide precise and efficient financial support to more enterprises, contributing to high-quality local economic development [1]

Core Viewpoint - Huishang Bank announced a system upgrade scheduled from September 5, 2025, 18:00 to September 8, 2025, 8:00, during which various services will be temporarily suspended to enhance financial service quality and efficiency [1]. Service Suspension Details - The upgrade will affect multiple services, including third-party payment services like Alipay and WeChat, which will be suspended from September 5, 15:00 to September 8, 8:00 [2]. - Specific services and their suspension times include: - Wealth management sales (non-Huishang wealth management) from September 5, 15:00 to September 8, 8:00 [2]. - Utility payments (water, electricity, gas, etc.) from September 5, 15:00 to September 8, 8:00 [2]. - Credit card transactions, loan applications, and repayments from September 5, 15:00 to September 8, 8:00 [2]. - Debit card services (transfers, withdrawals) from September 5, 18:00 to September 8, 8:00 [2]. - The bank advises customers to prepare for any financial needs or repayments in advance due to the service interruptions [1].

Core Viewpoint - Jiangsu Taixing Rural Commercial Bank has been focusing on local economic and social development, maintaining a steady and improving business operation through precise market segmentation, differentiated competition, and talent cultivation, thus achieving a high-quality development path unique to rural commercial banks [1] Group 1: Market Strategy - The bank emphasizes identifying customers as a challenge for differentiated operations, transitioning from "product-oriented" to "customer-oriented" strategies, enhancing customer segmentation and precise marketing [2] - It utilizes a customer profiling approach, integrating various data sources to achieve refined classification and targeted marketing, activating the potential of long-tail customers and competing for high-net-worth clients [2] Group 2: Project Services - The bank has restructured its service departments to align with local industrial development, establishing six regional service centers to provide dedicated financial services to enterprises [3] - An innovative "prospective assessment + credit lending" mechanism has been introduced to support long-term projects, facilitating new construction and equipment purchases [3] Group 3: Differentiation and Core Competitiveness - The bank aims to build a differentiated core competitiveness to address market challenges, leveraging high-quality party building to drive development and implementing a "finance + party building + rural revitalization" service model [4] - Collaborative projects with local departments have been established to enhance the integration of inclusive finance and social services [4] Group 4: Corporate Culture - The bank focuses on cultivating a strong corporate culture that aligns with local economic development, promoting a customer-centric approach and enhancing its brand image as a preferred bank for the community [5] Group 5: Customer Experience - The bank is committed to optimizing customer experience through a "big data + grassroots + grid-based" marketing model, enhancing customer engagement and satisfaction [6] - Community outreach activities have been conducted to promote financial literacy and activate the functionalities of social security cards [6] Group 6: Technological Empowerment - The bank is advancing its digital transformation by enhancing its technological capabilities, which support business development, cost reduction, and risk management [7] - Various systems have been developed to streamline loan approval processes, improving efficiency for customers [7] Group 7: Talent Development - The bank emphasizes building a high-quality team by adhering to strict selection criteria and fostering a culture of meritocracy [8] - A comprehensive training system is in place to enhance the skills and capabilities of employees, promoting a multi-skilled workforce [8] Group 8: Integrity and Ethics - The bank implements rigorous measures to assess the integrity and ethical standards of its staff, ensuring a clean and accountable workforce [9]

Group 1: Financial Performance - In Q1 2025, the bank's revenue was CNY 33.709 billion, a year-on-year decrease of 13.1% [2] - Net profit for Q1 2025 was CNY 14.096 billion, down 5.6% year-on-year [2] - The bank's operating expenses were CNY 9.055 billion, a decrease of 13.2% year-on-year [2] Group 2: Dividend Distribution - For the year 2024, the bank plans to distribute a cash dividend of CNY 6.08 per 10 shares, totaling CNY 11.799 billion, which is 28.32% of the net profit attributable to ordinary shareholders [3] - The interim dividend for 2024 is CNY 2.46 per 10 shares, amounting to CNY 4.774 billion [3] - The final dividend for 2024 is CNY 3.62 per 10 shares, totaling CNY 7.025 billion [3] Group 3: Asset Quality - As of March 2025, the non-performing loan (NPL) ratio was 1.06%, unchanged from the end of the previous year [5] - The provision coverage ratio was 236.53%, with a provision-to-loan ratio of 2.50% [5] - In Q1 2025, the bank wrote off loans amounting to CNY 17.065 billion and recovered CNY 9.425 billion in non-performing assets [5] Group 4: Interest Margin - The net interest margin in Q1 2025 was 1.83%, a decrease of 18 basis points year-on-year [4] - The bank anticipates continued downward pressure on the net interest margin in 2025, but at a slower rate [4] Group 5: Wealth Management - Wealth management fee income in Q1 2025 was CNY 1.208 billion, a year-on-year increase of 12.5% [6] - Personal insurance income grew by 38.7% to CNY 0.344 billion, while personal fund income increased by 5.7% to CNY 0.522 billion [6] Group 6: Capital Adequacy - As of the end of 2024, the bank's capital adequacy ratios were 9.12% for core tier 1, 10.69% for tier 1, and 13.11% for total capital [8] - The bank plans to balance internal and external capital replenishment to maintain adequate capital levels [8] Group 7: Deposit Growth - As of March 2025, personal deposits totaled CNY 1,330.883 billion, a growth of 3.4% from the end of the previous year [9] - The average daily balance of personal deposits in Q1 2025 was CNY 1,316.631 billion, up 6.5% year-on-year [9] Group 8: Loan Growth - As of March 2025, personal loan balances were CNY 1,729.046 billion, a decrease of 2.2% from the end of the previous year [10] - Housing mortgage loans increased by 4.1% to CNY 339.434 billion, while credit card receivables decreased by 7.9% to CNY 400.638 billion [10]