来源：华夏时报 作为"十五五"开局之年首场重要的金融工作规划，2026年中国人民银行工作会议于1月5日至6日在北京 召开，为全年金融工作划定清晰路线。 会议明确2026年继续实施适度宽松的货币政策，发挥增量政策和存量政策集成效应，加大逆周期和跨周 期调节力度，提升金融服务实体经济高质量发展质效，深化金融改革和更高水平对外开放，增强宏观政 策前瞻性针对性协同性，着力扩大内需、优化供给，防范化解风险、稳定社会预期，为经济稳定增长、 高质量发展和金融市场稳定运行营造良好的货币金融环境。 在多位受访人士看来，此次会议传递的政策信号既延续了中央经济工作会议的基调，又在工具运用、传 导机制等细节上进一步细化，凸显出"稳增长、调结构、防风险"之间的统筹平衡，预示着2026年货币政 策将更注重精准性与有效性。 货币政策司迎第七任司长 在总量政策层面，会议明确"继续实施好适度宽松的货币政策"，要求"把促进经济高质量发展、物价合 理回升作为货币政策的重要考量"，对政策工具运用则提出"灵活高效运用降准降息等多种货币政策工 具。" "中央经济工作会议明确2026年要继续实施适度宽松的货币政策，中国人民银行将全面贯彻落实会议精 神，加 ...

其次， 畅通货币政策传导机制，发挥好政策利率引导作用 ， 做好利率政策执行和监督，促进 社会综合融资成本低位运行 。央行曾在《2025年第三季度中国货币政策执行报告》的专栏四 中指出，保持合理的利率比价关系是畅通货币政策传导的需要，并列出了需要关注的五组重要 的利率比价关系：一是央行政策利率和市场利率的关系；二是商业银行资产端和负债端利率的 记者丨 唐婧 编辑丨肖嘉 2026年中国人民银行工作会议1月5日—6日召开。会议明确， 2026年要重点抓好以下七项工 作： 一是持之以恒推进全面从严治党；二是继续实施好适度宽松的货币政策；三是提升金融 服务实体经济高质量发展质效；四是稳妥化解重点领域金融风险；五是持续深化金融改革和对 外开放；六是积极推动全球金融治理改革；七是进一步提升金融管理和服务能力。 来源：中国人民银行官方网站 中航证券首席经济学家董忠云告诉21世纪经济报道记者， 2 026年货币政策将以"适度宽松"为 总基调 ，以"促进经济高质量发展、物价合理回升"为核心目标，以"灵活高效"的总量型工具 操作保障流动性充裕，并以"精准有力"的结构型工具引导资源流向重点领域。这一政策组合旨 在短期内有效托底总需求 ...

本报讯 （记者 毛瑜琼 通讯员 陈海霞） "不填不知道，原来评估费、抵押登记费这类费用全由银行承担 了，切切实实替我们省下了真金白银。"近日，我市一家煤渣经营公司负责人拿着手中的《企业贷款综 合融资成本清单》，对明示企业贷款综合融资成本工作赞不绝口。自2025年11月起，在人民银行浙江省 分行指导下，人民银行衢州市分行启动明示企业贷款综合融资成本工作，建设银行衢州分行荷花西路支 行、柯城农商银行府山支行率先参与，以"贷款明白纸"为载体，让企业融资成本"一单一清、一目了 然"。 融资成本"雾里看花"，曾是不少企业尤其是中小企业融资时的烦心事。抵押担保费、中介服务费等非利 息成本不清晰，既影响企业资金规划，也可能引发银企信息不对称问题。此次我市启动明示工作，正是 瞄准这一痛点，将企业贷款综合融资成本"晒在阳光下"。 （来源：衢州日报） 转自：衢州日报 "明白纸"不仅让企业"知成本"，更推动银行"降成本"。柯城区一家小微制造企业因订单增长急需流动资 金采购材料及升级生产线，柯城农商银行府山支行在对接时，首先为企业出具了"贷款明白纸"。通过梳 理清单、核查企业经营状况，银行发现该企业符合"产业共富贷"准入条件，随即为 ...

12月16日，邮储银行跌0.93%，成交额6.33亿元。两融数据显示，当日邮储银行获融资买入额6285.74万 元，融资偿还5888.09万元，融资净买入397.65万元。截至12月16日，邮储银行融资融券余额合计11.05 亿元。 融资方面，邮储银行当日融资买入6285.74万元。当前融资余额11.00亿元，占流通市值的0.31%，融资 余额超过近一年50%分位水平，处于较高位。 来源：新浪证券-红岸工作室 资料显示，中国邮政储蓄银行股份有限公司位于中国北京市西城区金融大街3号,香港湾仔皇后大道东 248号大新金融中心40楼，成立日期2007年3月6日，上市日期2019年12月10日，公司主营业务涉及中国 邮政储蓄银行股份有限公司在中国提供银行及相关金融服务。该银行主要通过个人银行、企业银行及资 金业务运营。个人银行业务向个人客户提供多种产品及服务,包括人民币及外汇存储、贷款、银行卡及 中间业务产品及服务。企业银行业务为企业客户提供多样化金融产品及服务,包括企业贷款、贴现票 据、企业存款及中间业务产品及服务,如:结算、票据管理、现金管理、投资银行、托管及公司理财。资 金业务主要包括金融市场业务,如:市场交易 ...

Core Insights - The transfer of non-performing loans (NPLs) is gaining momentum, becoming a crucial strategy for financial institutions to mitigate asset risks by 2025 [1][2] - The pace of asset disposal has accelerated significantly in 2025, with both the scale and frequency of disposals showing marked increases [2][4] - Consumer finance institutions are actively participating in the NPL market, contributing to the overall asset disposal efforts [3][4] Group 1: NPL Transfer Activities - The Silver Transfer Center reported nearly 60 NPL transfer announcements within three days, with major banks like China Construction Bank and Postal Savings Bank participating [1] - In the first quarter of 2025, the batch transfer of personal NPLs reached 37.04 billion yuan, a staggering increase of 761.4% year-on-year, with personal consumption loans making up over 70% of this figure [2] - Several banks, including Ping An Bank and Zhongyuan Bank, have initiated significant NPL transfer projects, with outstanding principal and interest amounts reaching 762 million yuan and 522 million yuan respectively [2] Group 2: Market Dynamics and Challenges - The pressure on asset quality is evident, with rising non-performing loan ratios among various banks, such as Chongqing Bank's ratio climbing to 6.23% [4] - The financial environment, characterized by macroeconomic fluctuations, is impacting the repayment capabilities of individuals and businesses, leading to increased NPLs [4] - The Silver Transfer Center's report indicates that the pressure for NPL disposal will persist throughout 2025 [4] Group 3: Regulatory and Technological Support - Regulatory policies are providing robust support for NPL disposal efforts, with calls for increased asset disposal and capital replenishment [5] - Financial institutions are leveraging technology to enhance risk management and improve the efficiency of NPL disposals, with initiatives like "smart disposal" platforms being developed [5][6] - Institutions like Agricultural Bank of China and China Bank are emphasizing digital transformation to strengthen risk control and reduce new NPLs [5]

Group 1 - The core achievement of Gansu's financial sector during the "14th Five-Year Plan" is the steady growth of social financing, with an average annual increase of over 240 billion yuan, totaling more than 1.2 trillion yuan, significantly supporting the development of the real economy [1] - By the end of Q3 this year, the balance of deposits and loans in Gansu exceeded 3 trillion yuan, representing a growth of 47% and 36% respectively compared to the end of 2020 [1] - Gansu's bond market financing has expanded, with over 150 billion yuan issued in the interbank market during the "14th Five-Year Plan," marking a 3% increase from the "13th Five-Year Plan" period [1] Group 2 - Financing costs have steadily decreased, with the average interest rates for new corporate loans and personal housing loans in September being 3.04% and 3.26%, down by 2.2 and 1.99 percentage points from December 2020 [2] - The reduction in interest expenses has benefited over 900,000 households, saving approximately 2.9 billion yuan annually [2] - A total of 109.5 million small and micro enterprises and individual businesses in Gansu have received a cumulative reduction of 2.97 billion yuan in payment fees during the "14th Five-Year Plan" [2] Group 3 - The credit structure has been continuously adjusted, with a total of 375 billion yuan allocated for agricultural and small business loans, which is 145 billion yuan more than during the "13th Five-Year Plan" [3] - Loans to small and micro enterprises have grown at an average annual rate of 11.8%, surpassing the growth rate of large enterprises by 6.8 percentage points [3] - Gansu has implemented over 40 measures to facilitate cross-border trade financing, with 87 compliant enterprises benefiting from expedited foreign exchange settlement processes totaling 6.04 billion USD [3]

側面 Fel F - test | 国际 日 Campany Come of 银行工作人员向客户展示贷款清单 上榜案例 中国人民银行河南省分行开展明示企业贷款综合融资成本试点工作 顶端新闻·河南商报记者 吴静 邹皓羽 通讯员 王琦欣 康健宇/文 受访者供图 "以前办贷款，各种费用加起来，总成本像一笔'模糊账'。"近日，鹤壁市一家制造企业的负责人在接受 记者采访时坦言，"现在去银行办贷款，工作人员首先会拿出一张'明白纸'，所有融资成本列得清清楚 楚，一看心里立刻就踏实了。" 这张备受企业主称赞的"明白纸"，正是2025年河南省一项看似细微却直击痛点的金融创新。 一张纸破局，让企业融资"明算账" 近年来，河南省金融系统持续向实体经济让利，企业贷款利率整体已降至历史较低水平。宏观数据的向 好有目共睹，但在微观层面，部分企业主，尤其是民营、小微企业主的切身感受却存在"温差"。 "我们在调研中发现，贷款利率虽然降了，但贷款办理过程中，担保费、评估费等非利息费用名目多， 且存在信息不透明、标准不统一等问题。"中国人民银行河南省分行相关负责人指出，这些费用叠加， 导致企业无法准确预估和比较融资总成本，不仅影响融资体验，也一 ...

Core Insights - The People's Bank of China officials conducted a field study to assess the effectiveness of loan financing cost policies for enterprises, focusing on the implementation of these policies [1][2] - The bank provided a loan of 1 million yuan to a local furniture company, with 700,000 yuan as a renewal loan and 300,000 yuan as an additional credit loan, demonstrating a commitment to transparent financing costs [1][2] Group 1 - The bank's efforts in clarifying financing costs included only a registration fee of 80 yuan and an emergency transfer fee of 100 yuan, which was significantly low for the enterprise [1][2] - The renewal loan's annual interest rate decreased by 1.42 percentage points compared to the previous loan, showcasing the bank's role in reducing financing costs for businesses [2] - The bank optimized the renewal loan approval process, allowing for same-day approval and disbursement, which further alleviated the financial burden on enterprises [1][2] Group 2 - The bank received positive feedback from the enterprise regarding the low transfer fee and the efficient loan application process, highlighting the bank's customer service [2] - The officials acknowledged the bank's achievements in promoting transparent financing costs and innovative service models to support local businesses [2] - The bank plans to continue enhancing its financing services and promoting financial products that benefit enterprises, contributing to the high-quality development of the local economy [2]

Core Points - East Asia Bank has issued a statement regarding fraudulent activities where individuals have impersonated the bank to deceive the public into applying for loans, damaging the bank's reputation and clients' rights [1][2] Group 1: Fraudulent Activities - Fraudsters have been using the name of East Asia Bank (China) Limited and its Shanghai branch to forge documents and misrepresent loan services [1] - The bank emphasizes that all its services are conducted through official channels and has not authorized any individuals or entities to engage in such activities [1] Group 2: Bank's Response - East Asia Bank has established a comprehensive seal management system and strictly follows approval processes for seal usage [1] - The bank disclaims any knowledge or recognition of documents or actions involving the misuse of its name or forged seals, stating that it will not bear any responsibility for losses or disputes arising from such actions [1] Group 3: Public Advisory - The bank urges the public to remain vigilant and not to trust investment or loan information from unknown sources to avoid financial losses [1] - In case of suspicious activities, the public is advised to verify information through official channels or report to law enforcement [1]

Core Viewpoint - Postal Savings Bank of China (PSBC) has experienced a decline in stock price recently, with a year-to-date increase of 4.65% but a drop of 2.41% in the last five trading days [2][3]. Financial Performance - As of September 30, 2025, PSBC reported a net profit of 765.62 billion yuan, reflecting a year-on-year growth of 0.98% [3]. - The bank's main business revenue composition includes 65.15% from personal banking, 22.71% from corporate banking, and 12.10% from funding operations [2]. Stock Market Activity - On November 28, PSBC's stock price fell by 2.07%, trading at 5.67 yuan per share with a total market capitalization of 680.94 billion yuan [1]. - The stock has seen a trading volume of 11.17 billion yuan, with a turnover rate of 0.29% [1]. Shareholder Information - As of September 30, 2025, the number of shareholders decreased by 13.09% to 142,600, while the average circulating shares per person increased by 15.29% to 478,570 shares [3]. - The bank has distributed a total of 137.8 billion yuan in dividends since its A-share listing, with 77.4 billion yuan distributed in the last three years [4]. Institutional Holdings - Major institutional shareholders have reduced their holdings, with Hong Kong Central Clearing Limited holding 520 million shares, down by 422 million shares from the previous period [4].