2023年12月29日，国家外汇管理局出台《银行外汇展业管理办法（试行）》，为银行外汇业务流程 再造提供了制度框架。作为城商行中的积极实践者，宁波银行以全流程管理为核心，通过矩阵式管理体 系构建、业务流程革新与金融科技深度赋能，实现了跨境便利化与风险防控的精准平衡，为中小民营企 业量身打造了"越诚信越便利"的外汇服务生态。 矩阵式管理织密风控网络 宁波银行创新构建总分支三级联动的矩阵式管理体系，为外汇展业改革筑牢组织根基。总行国际业 务部统筹规划，设立事中审核和事后监测专业团队，实施差异化客户管理策略；分行国际业务部通过市 场、单证、综合三大团队协同，将总行策略转化为具体操作；支行外汇业务经理深耕一线，提供个性化 客户服务。这种 "决策-执行-服务" 的垂直管理链条，实现了全行外汇业务的高效协同与信息共享。 为确保专业能力与合规要求落地，宁波银行建立严格的岗位资格准入机制，要求尽职调查、业务审 查及合规管理人员均需取得专业资格认证。在考核体系中嵌入外汇合规指标，对违规行为实施责任追 究，形成"专业准入-过程管控-结果考核"的全链条管理闭环。这一机制不仅保障了业务规范性，更推动 外汇展业深度融入日常运营，为改革 ...

Core Viewpoint - The article highlights the strong performance of CITIC Bank in the first half of 2025, showcasing its strategic resilience and growth potential amidst industry challenges, supported by a comprehensive three-year plan aimed at becoming a world-class bank [1][2][3][4][16]. Group 1: Financial Performance - CITIC Bank reported a net profit of 36.478 billion yuan, a year-on-year increase of 2.78%, and total operating income of 105.762 billion yuan [1]. - The bank's total assets reached 985.8466 billion yuan, reflecting a growth of 3.42% compared to the previous year [1]. - The non-performing loan balance stood at 67.134 billion yuan, with a non-performing loan ratio of 1.16% and a provision coverage ratio of 207.53%, indicating overall asset quality stability [1]. Group 2: Strategic Direction - The bank's management emphasizes a forward-looking strategy focused on "stability, balance, and sustainability," which has become a consensus across the organization [2]. - CITIC Bank aims to build a "Four-You Bank" and enter the ranks of world-class banks through its new three-year strategic plan from 2024 to 2026 [3][4]. Group 3: Wealth Management - The bank is advancing its "retail-first strategy," enhancing its wealth management capabilities and focusing on asset management, private banking, and consumer finance [5][6]. - As of the reporting period, CITIC Bank's managed asset balance reached 4.99 trillion yuan, a 6.52% increase from the previous year, with personal deposits growing by over 106.3 billion yuan, reflecting a growth rate exceeding 7% [6]. Group 4: Comprehensive Financing - CITIC Bank's comprehensive financing balance reached 14.78 trillion yuan, a growth of 3.43% from the previous year, showcasing its role as a resource integrator in the evolving financial ecosystem [7][8]. - The bank led the market in debt financing tools, underwriting 1,268 instruments with a total scale of 443.12 billion yuan, indicating its strong position in direct financing [8]. Group 5: Transaction Settlement - The bank has focused on enhancing its transaction settlement capabilities, creating a platform matrix to cover various customer segments and developing tailored financial solutions for key industries [9][10]. Group 6: Foreign Exchange Services - CITIC Bank has established itself as a pioneer in foreign exchange services, achieving a transaction service scale of 114.14 billion USD, a year-on-year growth of 22.20% [11][12]. Group 7: AI Strategy - The bank is actively integrating artificial intelligence into its operations, with over 1,600 intelligent service scenarios developed, significantly enhancing customer engagement and operational efficiency [13]. Group 8: Conclusion - CITIC Bank's performance and strategic initiatives reflect its commitment to high-quality development and its ambition to redefine the future of banking through ecological collaboration and technological innovation [14][16].

Group 1 - The company is holding its third extraordinary general meeting of shareholders on May 29, 2025, to discuss important proposals [1][2] - Shareholders are reminded to fulfill their legal obligations and respect the rights of other shareholders during the meeting [1] - The meeting will include discussions on the renewal of the financial services agreement with Zhuhai Huafa Group Financial Co., Ltd., which will provide various financial services for a period of three years [2][3] Group 2 - The company plans to initiate a supply chain asset special plan business, utilizing accounts receivable from suppliers as the underlying assets, with a total limit not exceeding 20 billion yuan, which can be reused [2][3] - The proposals discussed at the meeting involve related party transactions, and related shareholders are required to abstain from voting [2][3]

Group 1 - The company plans to renew the "Financial Services Agreement" with Zhuhai Huafa Group Finance Co., Ltd. to enhance financial management and improve capital operation efficiency [1][2] - The agreement will provide various financial services including deposit, loan, settlement, bill, foreign exchange, and guarantee services for the company and its subsidiaries, with a validity period of three years [1][3] - The financial company is a subsidiary of the controlling shareholder, Huafa Group, and the transaction is classified as a related party transaction [1][2] Group 2 - As of December 31, 2024, the financial company reported total assets of 43.83 billion yuan, total liabilities of 37.06 billion yuan, and net assets of 6.78 billion yuan, with a net profit of 761.93 million yuan for the year [2] - As of March 31, 2025, the financial company had total assets of 42.80 billion yuan, total liabilities of 35.91 billion yuan, and net assets of 6.89 billion yuan, with a net profit of 112.75 million yuan for the first quarter [2] - The agreement includes a maximum daily deposit limit of 15 billion yuan for the company and its subsidiaries, which will be monitored by the company [4][5] Group 3 - The pricing principles for the services will be based on general commercial bank rates for similar deposits, ensuring they are not lower than the benchmark rates set by the People's Bank of China [4] - The independent directors of the company unanimously agreed that the renewal of the agreement would optimize financial management and enhance capital returns, ensuring fairness and transparency in pricing [5][6] - The board meeting approved the proposal with a vote of 8 in favor, and related directors abstained from voting [6]

我市金融新举措带来实实在在便利 原标题：优化外汇管理与服务 提升民营企业涉外发展效能 银行外汇展业改革实现新突破，民营企业跨境外汇收支更便利。2024年5月启动改革以来，该局指导中 国银行大连市分行等试点银行，简化业务办理环节，为优质守法市场主体提供更为高效、便利的外汇服 务。多家试点银行凭指令为56家民营企业办理了2776笔跨境业务，金额1.8亿美元，企业业务办理时间 减少50%以上。 取消外贸企业名录许可，放宽特殊退汇免于登记标准。自2024年6月1日起，将原由外汇局核准的"贸易 外汇收支企业名录"调整为银行直接办理，同时放宽银行办理货物贸易特殊退汇的权限。此项改革启动 以来，兴业银行大连分行等28家银行办理名录登记企业1150家，办理特殊退汇便利化业务50余笔，经常 项下行政许可业务笔数下降96%。企业办理外汇业务的"脚底成本"大幅降低，并实现企业名录登记、外 币开户及跨境资金收付当日当场办理。 加强汇率风险管理服务，提升民营企业避险能力。推出线上"金融为民小课堂"40余期，同时，鼓励银行 创新避险产品组合，为企业量身定制避险方案。今年一季度，辖内银行共为企业减免外汇衍生品保证金 1.25亿元，套保成本 ...