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平安银行MSCI ESG评级升至AA 五年实现三级跃升
Xin Hua Wang· 2025-10-11 10:53
10月9日,国际权威指数机构摩根士丹利资本国际公司(明晟、MSCI)更新2025年度环境、社会及治理 (ESG)评级信息,平安银行凭借在ESG方面的优异表现,最新评级上调至AA级,在五年内实现了从BB 级到AA级的三级跃升。 MSCI评级结果显示,平安银行在消费者保护、绿色金融、数据安全与隐私保护等实质性议题表现方面 提升显著。MSCI是全球领先的金融指数和ESG评级机构,每年对全球7000余家上市公司的ESG实践开 展分析和评级,其ESG评级体系深受全球投资机构认可,评级结果成为全球投资数据分析与投资决策的 重要依据。本次评级提升反映出国际权威机构对平安银行ESG管理水平和综合表现的高度认可,更体现 出资本市场对平安银行可持续发展价值的充分肯定。 平安银行ESG负责人介绍,可持续发展是平安银行长期坚持的发展战略,也是确保公司追求长期价值最 大化的坚实基础。平安银行贯彻新发展理念,坚持金融工作的政治性和人民性,积极把握市场机遇,应 对挑战,做好金融"五篇大文章",在全面服务经济、社会、环境可持续发展中不断提升发展质量。 强化绿色金融布局 践行"双碳"目标 平安银行坚定贯彻党的二十大提出的绿色发展要求,认真落实 ...
北大汇丰赵泠箫:居民理财理念正从“保本保息”向“风险收益相匹配”转变
Xin Lang Cai Jing· 2025-09-30 01:58
专题:财富领航征程丨金融新启航 作为金融市场的重要组成部分,理财行业在支持实体经济发展、满足居民财富管理需求、优化社会融资 结构等方面发挥重要作用。围绕做好金融五篇大文章,金融机构应如何扎实服务实体经济、助力经济高 质量发展?本期《财富领航征程》对话北京大学汇丰商学院助理教授赵泠箫。 当前,中国理财行业正处于资管新规深化转型的关键阶段,风险与收益再平衡成为核心课题。赵泠箫认 为,居民理财理念正从"保本保息"向"风险收益相匹配"转变,此过程对机构的资产配置能力、风险管理 体系,以及投资者的长期陪伴与教育机制提出了更高要求。 她认为,理财行业创新将在科技与制度双轮驱动下突破发展瓶颈。科技端,大模型与可解释AI的融合 将推动智能投顾从标准化工具升级为动态化"财富管家",通过实时解析投资者需求与市场变化,实现全 生命周期精细管理;制度端,个人养老金账户的快速普及将显著优化资金期限结构,借鉴生命周期基金 和目标日期基金等国际成熟模式的本土化实践,结合投资者教育引导资金从短期避险转向"长期风险收 益平衡",为科创板ETF、绿色债券等国家战略领域提供长期资本支持。 理财行业处于资管新规深化转型关键期,风险与收益再平衡成为核 ...
金融监管总局李云泽:“十四五”期间保险业内生发展动力持续增强
Core Insights - The insurance industry has significantly enhanced its social security role during the "14th Five-Year Plan" period, with total claims reaching 9 trillion yuan, a 61.7% increase compared to the "13th Five-Year Plan" period [1] - The insurance sector has focused on increasing supply, optimizing structure, and addressing shortcomings, summarized as "one increase, one optimization, one supplementation" [2][3] Group 1: Performance and Growth - The insurance industry has provided risk coverage for 800 million agricultural households through agricultural insurance [1] - Commercial pension and health insurance have accumulated reserves of 11 trillion yuan, with financial services continuously expanding [1] - Motor vehicle insurance has covered over 1.6 billion vehicles, a 40% increase from the previous five-year period [2] - Export credit insurance has provided risk coverage of 4.4 trillion USD, a 52% increase compared to the "13th Five-Year Plan" [2] Group 2: Structural Optimization - Insurance funds have invested over 5.4 trillion yuan in stocks and equity funds, an 85% increase from the end of the "13th Five-Year Plan" [2] - The insurance sector has provided over 10 trillion yuan in risk coverage for technology insurance, supporting 3,600 innovative projects [3] - The average insurance amount for major grain crops has increased by 72% during the "14th Five-Year Plan" [3] Group 3: Financial Support and Reforms - The insurance industry has actively participated in financial reforms, including long-term investment initiatives and support for technology enterprises [3][5] - By the second quarter of 2025, the balance of insurance company funds reached 36.23 trillion yuan, a year-on-year increase of 17.39% [5] - The insurance sector has implemented cost optimization measures, resulting in a reduction of 350 billion yuan in costs for life insurance companies since 2024 [6]
“十四五”时期我国金融体系运行稳健 银行业总资产位居世界第一
Sou Hu Cai Jing· 2025-09-23 06:52
Core Insights - The "14th Five-Year Plan" has led to significant achievements in China's financial sector, with total banking assets reaching nearly 470 trillion yuan, ranking first globally [1][3] - The People's Bank of China emphasizes that financial risks are generally controllable, supporting high-quality economic development [1][3] Financial System Stability - The dual-pillar framework of monetary and macro-prudential policies has been established, promoting stable currency value and financial stability [3] - The current monetary policy stance is supportive and moderately accommodative, creating a favorable environment for economic recovery and financial market stability [3][4] - Financial regulatory bodies have effectively prevented systemic risks, with a significant reduction in the number of high-risk institutions and assets [3][5] Financial Services Quality Improvement - The banking and insurance sectors have total assets exceeding 500 trillion yuan, with an average annual growth rate of 9% over the past five years [5][6] - New funding provided to the real economy reached 170 trillion yuan, with significant growth in loans to technology SMEs, inclusive small businesses, and green loans [5][6] - Insurance payouts have increased by 61.7% compared to the previous five-year period, enhancing social security and risk protection for farmers and urban residents [6] Financial Market Stability - The financial market has shown resilience, with key regulatory indicators such as non-performing loans and capital adequacy remaining in a healthy range [7] - The China Securities Regulatory Commission has worked to maintain market stability amid complex external challenges, improving investor confidence [7][8] - The foreign exchange market has remained stable, with ongoing improvements in the market-oriented exchange rate mechanism and effective macro-prudential management [8]
事关养老钱!这类骗局需警惕
中经记者 郝亚娟 张漫游 上海、北京报道 近期,一种以"保本高收益"为噱头的"专属养老理财"骗局悄然蔓延,不少老年人因对养老财富增值的迫 切需求和信息辨别能力较弱,纷纷落入圈套。 随着社会老龄化加剧,养老成为越来越多人关注的话题,除大新银行(中国)外,近期多家银行对 于"养老钱"的安全给予提示。 "所谓'养老理财'骗局往往通过精心设计的套路诱骗老年人资金,其核心手段集中在利用老年人对财富 保值增值的迫切需求与信息辨别能力较弱的弱点展开。"新智派新质生产力会客厅联合创始发起人袁帅 梳理道,常见套路中,承诺高收益是最直接的诱饵,不法分子常以"保本+年化高收益"为噱头,远超银 行理财、国债等正规产品的收益水平,甚至宣称"存款当天返现",如赵大爷遭遇的"存5万元当天返6000 元利息",这种违背金融规律的返利模式本质是通过前期小额返现降低受害者警惕性,为后续骗取大额 本金铺路。返利拉人头则是骗局的传播机制,通过"推荐新用户加入可获额外奖励""群内晒收益截图赢 红包"等方式,利用老年人社交圈层的信任关系快速扩散,形成"熟人背书"效应,使更多人陷入群体性 决策误区。虚构投资项目是骗局的关键伪装,不法分子常编造"国家扶持养 ...
多元融合、科技赋能,银发经济挖掘“人口第二红利”
Di Yi Cai Jing· 2025-09-22 12:37
Core Viewpoint - The aging population presents both challenges and opportunities, with the development of the silver economy being a key strategy to enhance the well-being of the elderly and promote sustainable economic growth [1][8]. Policy Support - Since the 18th National Congress, China has gradually improved its policy framework to support the development of the silver economy, establishing a clear path for advancement [2]. - The "Healthy China 2030 Planning Outline" and subsequent national strategies have integrated the silver economy into health and aging policies, emphasizing the importance of a multi-level policy system [2]. - The 2024 State Council policy on the silver economy includes 26 specific measures aimed at enhancing the welfare of the elderly, marking a shift towards precise implementation [2]. Silver Economy Definition - The silver economy encompasses a wide range of economic activities related to the aging population, not limited to elder care services, but forming a complete economic system that includes production, distribution, circulation, and consumption [3]. - It consists of both established industries and emerging sectors, with significant growth in areas such as silver goods, services, finance, and real estate [3][5]. Market Dynamics - The silver economy in China has shown rapid expansion, with the overall market size exceeding 12 trillion yuan in 2023, growing at an average annual rate of over 10% from 2019 to 2023 [5]. - Key growth areas include rehabilitation medical devices, which are projected to reach a market size of 71.46 billion yuan in 2024, and the silver service industry, which saw a market size exceeding 5 trillion yuan in 2023 [5][6]. Future Trends - The silver economy is expected to evolve through "multi-dimensional integration and technological empowerment," with a focus on meeting the diverse needs of the elderly population [7]. - By 2035, the elderly population in China is projected to exceed 400 million, driving demand for high-quality products and services, particularly in the fields of rehabilitation and home care [7]. Economic Impact - The silver economy is positioned as a critical area for optimizing economic structure and fostering new growth drivers, contributing to both improved living standards for the elderly and overall economic growth [8].
金融监管总局:消费服务行业贷款余额增长80% 新能源汽车在保超过4000万辆
Xin Hua Cai Jing· 2025-09-22 09:15
Core Viewpoint - The financial regulatory authority emphasizes the implementation of the new development concept, focusing on optimizing financial resource allocation and enhancing service quality in key areas and weak links, summarized as "one increase, one optimization, and one supplementation" [1] Group 1: Increase Supply - The focus is on increasing supply to support economic and social development goals, with significant financing for major projects such as the Yangtze River High-Speed Railway and the South-to-North Water Diversion Project, providing ample funding for 102 major projects during the 14th Five-Year Plan [2] - Infrastructure loan balance reached 54.5 trillion yuan, a 62% increase compared to the end of the 13th Five-Year Plan [2] - The use of over 700 billion yuan in policy-based development financial tools has leveraged over 9 trillion yuan in investments [2] - Loans to the wholesale, retail, accommodation, and catering sectors increased by 80% [2] - Export credit insurance has provided risk coverage of 4.4 trillion USD, a 52% increase from the 13th Five-Year Plan period [2] Group 2: Optimize Structure - The focus is on optimizing the structure by directing resources towards new productive forces, with loans to high-tech enterprises reaching nearly 19 trillion yuan, growing at an annual rate of over 20% [3] - Insurance funds invested in stocks and equity funds exceeded 5.4 trillion yuan, an 85% increase from the end of the 13th Five-Year Plan [3] - Cumulative risk coverage for technology insurance surpassed 10 trillion yuan, supporting 3,600 innovative application projects [3] - Financial regulatory authority has initiated four pilot projects in the technology sector, resulting in over 1 trillion yuan in new investments [3] Group 3: Supplement Weak Links - The authority aims to strengthen financial support for weak links, enhancing financing accessibility for small and micro enterprises, with 17 trillion yuan in loans deferred during the pandemic, benefiting over 10 million businesses [4] - A total of 22 trillion yuan in loans has been issued to support small and micro enterprises since last year [4] - Loans to poverty-stricken areas reached 31.5 trillion yuan, with nearly 400 billion yuan in small loans for impoverished populations [4] - The average annual growth rate of inclusive agricultural loans is 14.6% [4] - Insurance coverage for major grain costs and planting income has increased by 72% during the 14th Five-Year Plan [4] - Health insurance services have provided economic compensation of 1.8 trillion yuan for patients over the past five years [4]
深耕细分领域发展养老金融
Jing Ji Ri Bao· 2025-09-15 22:02
透过各上市金融机构近期发布的半年报可以发现,无论是商业银行还是保险公司,都在养老金融领域加 大投入力度,深耕细分领域,不断推动养老金金融、养老服务金融、养老产业金融三大板块融合发展。 2024年底,中国人民银行等9部门联合印发《关于金融支持中国式养老事业服务银发经济高质量发展的 指导意见》,从支持不同人群养老金融需求、拓宽银发经济融资渠道、健全金融保障体系、夯实金融服 务基础、构建长效机制五方面提出16项重点举措。各金融机构围绕相关部署,全力做好养老金融大文 章。 丰富产品满足多样需求 从各金融机构披露的数据来看,商业银行一方面开发养老理财、养老储蓄产品,另一方面积极参与企业 年金和职业年金的管理。中信银行半年报显示,该行在养老金融领域迭代"幸福+"服务体系,养老金融 托管金额超5300亿元。兴业银行半年报显示,截至6月末,该行60周岁及以上客户达1086.43万户,较年 初增长6.75%;综合金融资产超1.11万亿元,较年初增长6.73%;个人养老金开户数719.14万户。 农业银行副行长林立在业绩说明会上介绍,农行8.88亿个人客户中,55岁以上的客户接近3亿户。记者 在采访中了解到,近年来农业银行持续优 ...
信贷资源精准投放——从上市银行半年报看金融服务实体经济新动向
Zheng Quan Ri Bao· 2025-09-13 13:57
Group 1 - The core viewpoint emphasizes that the banking sector plays a crucial role in supporting the real economy through targeted credit allocation in areas such as technology innovation, green development, and inclusive finance [1][2]. - Listed banks have focused on supporting technology-driven enterprises by establishing dedicated approval channels and innovative financing models, addressing the financing challenges faced by these companies [1]. - Green finance has become a significant focus for banks, aligning with the "dual carbon" goals, thereby facilitating the green transformation of traditional industries and the growth of emerging green sectors [1]. Group 2 - Banks are actively supporting small and micro enterprises by reducing fees and leveraging technologies like big data and artificial intelligence to enhance product offerings and shorten loan approval times [2]. - The aging population in China has led banks to develop diverse pension financial products, contributing to a richer pension security system and stimulating the silver economy as a new growth driver [2]. - Digital transformation is a key strategy for banks, enhancing service efficiency and ensuring a balance between growth and risk prevention [2][3]. Group 3 - Risk management remains a priority for banks, with major listed banks showing a stable decline in non-performing loan ratios and maintaining high capital adequacy ratios [3]. - The ongoing financial reforms and innovations are expected to enable banks to play a more significant role in supporting national strategies and improving public welfare [3].
交通银行:六赴服贸之约 展示金融创新实践成果
Ren Min Wang· 2025-09-11 00:57
Group 1 - The China International Fair for Trade in Services (CIFTIS) financial services exhibition opened in Beijing, showcasing the Bank of Communications' innovative practices in financial services for the real economy and regional economic development [1] - The Bank of Communications presented various financial products, including "Jiao Yin Torch Loan," which utilizes a big data approval model to address financing challenges for technology-oriented small and micro enterprises [1] - The "Jiao Yin Venture Capital Loan" employs a "loan + external direct investment" model to broaden financing channels for technology companies through partnerships with quality investment institutions in Beijing [1] Group 2 - The bank's "Jiao Yin Park Loan" effectively meets the full-cycle financing needs of park enterprises by integrating various financial services, supporting the growth of technology-oriented companies [1] - The cross-border financial zone "Jiao Lian World, Hui Tong Global" offers comprehensive financial support for enterprises looking to expand internationally and attract foreign investment [1] - The bank focuses on enhancing financial services in key areas such as domestic demand, digital governance, and the silver economy, aligning its capabilities with national needs and public interests [2] Group 3 - The retail business showcased the "cross-province handling" of government services in the Beijing-Tianjin-Hebei region, allowing users to manage over 130 government matters and access various services remotely [2] - The bank has developed a housing rental deposit management and rent supervision system to protect the housing dreams of new citizens through a four-dimensional closed-loop management approach [2] - The silver economy segment integrates various services for the elderly, providing a one-stop resource connection for pension accounts, retirement financial products, and insurance [2] Group 4 - To enhance audience engagement and awareness of digital currency, the bank organized interactive activities featuring hardware wallets and cultural-themed designs [3] - The bank continued popular activities from previous years, such as blind box promotions related to digital currency, offering attendees the chance to win themed merchandise [3] - The exhibition will also host various promotional and educational events, including lectures on fund management and anti-fraud measures [3]