Core Insights - Minsheng Bank reported a revenue of 108.5 billion yuan for the first three quarters, marking a year-on-year increase of 6.74 billion yuan, or 6.74% [1] - The growth in net interest income is attributed to the stabilization and improvement of the net interest margin, which stood at 1.42%, up by 2 basis points year-on-year [1][2] - The bank's strategy focuses on enhancing customer segmentation and sustainable income growth, with a notable increase in private banking clients by 18.21% compared to the end of the previous year [2] Revenue and Income Growth - The bank's net interest income reached 75.51 billion yuan, reflecting a year-on-year increase of 2.40% [2] - The average interest-earning assets increased by 51.64 billion yuan, a growth of 0.73% year-on-year [2] - Non-interest income also saw a contribution increase, with net fee and commission income rising to 14.39 billion yuan, a growth of 0.7% [4] Deposit Structure and Interest Margin - The proportion of low-cost demand deposits continues to rise, with the bank's deposit interest rate decreasing by 13 basis points in the third quarter [5] - The bank's management has effectively improved the interest rates on interbank liabilities, which decreased by 14 basis points [5] - The bank aims to maintain a stable net interest margin through strategic management of deposit structures and interest rates [6][7] Future Outlook - The bank anticipates a continuation of the current loose market funding environment, which is expected to support a decline in funding costs [6] - There is a focus on developing foundational customer bases and services to ensure stable net interest margins [7] - The bank plans to enhance its pricing capabilities and improve asset yield stability while navigating potential uncertainties in loan demand and deposit stability [6][7]

央视网消息：第八届进博会将于11月5日在上海开幕，上海各口岸迎来进博会展品入境高峰。截至10月31日，上海海关已监管进境展品276 票，展品金额约1.5亿元，包括多领域首发新品。 针对本届进博会的客商需求，中国进出口银行聚焦进口贸易全链条，在传统信贷、贸易金融、支付结算等产品基础上，进一步加强金融市 场、汇率避险等服务，满足企业在贸易磋商、合同生效、货物周转和支付结算等各方面的金融需求。 在金融服务方面，本届进博会还推出覆盖71个国家的投资研究报告，为企业布局全球、抢抓行业机遇、规避防范风险提供有益参考。 进博会开幕在即，目前，三千多名"小叶子"志愿者已正式开启进博会志愿服务工作。本届进博会志愿者将服务于现场引导咨询、展会注册 管理、嘉宾联络接待等九大类岗位。志愿者队伍包括114名长期管理岗志愿者和3668名会期服务志愿者，还专项招募了港澳台志愿者71人。 为更好向参展商和采购商提供多语种服务，今年进博会首次成立小语种志愿者联盟。据悉，本次招募小语种志愿者129人，涉及德语、法 语、西班牙语等12个语种。并将在进博会期间设立小语种志愿者调度中心，加强统筹、及时响应。 中国进出口银行发布专项金融服务方案 10月 ...

在金融服务方面，本届进博会还推出覆盖71个国家的投资研究报告，为企业布局全球、抢抓行业机遇、 规避防范风险提供有益参考。 第八届进博会将于11月5日在上海开幕，目前各项筹备工作已进入最后冲刺阶段。昨天(10月31日)，中 国进出口银行联合中国国际进口博览局在上海发布第八届进博会专项金融服务方案，全力满足企业进口 融资需求。 针对本届进博会的客商需求，中国进出口银行聚焦进口贸易全链条，在传统信贷、贸易金融、支付结算 等产品基础上，进一步加强金融市场、汇率避险等服务，满足企业在贸易磋商、合同生效、货物周转和 支付结算等各方面的金融需求。 中国进出口银行副行长 王康：既为跨国企业定制综合金融方案，也为中小微企业搭建高效支持体系。 既满足企业跨境融资需求，也推进人民币在贸易结算中的便利使用，让金融"活水"精准滴灌到进口贸易 的每一个环节。 (责任编辑：王擎宇) ...

21世纪经济报道记者 张欣 10月31日，民生银行2025年第三季度业绩说明会披露关键经营成果。 本报记者从会上获悉，面对市场利率波动、竞争加剧等环境挑战，该行通过优化资产负债结构、深化客 户经营，实现两项关键指标改善：三季度净息差环比提升至1.47%，较前期有所修复；前三季度集团营 业收入达1085亿元，同比增长6.74%，净利息收入与非息收入均实现同比增长。 此外，截至三季度末，该行资产总额较上年末增长0.74%，不良贷款率1.48%，整体经营保持平稳。 三季度净息差环比升至1.47%，多因素助力息差改善 三是投资收益率保持基本稳定。今年以来，民生银行结合市场利率变动和负债结构，加强了对投资规模 和利率的动态管理；同时，积极把握债券市场收益率波动机会，择机增配高收益债券，投资收益率也保 持基本稳定。 展望第四季度及明年息差走势，民生银行认为，市场资金宽松环境有望延续，利率中枢下行将持续支撑 负债端成本下降；同时在"反内卷"政策导向下，银行正着力提升市场定价能力，资产端收益有望逐步趋 稳。不过，信贷需求的恢复情况、存款与理财、基金等表外资产的联动，都会使存贷款规模的稳定性面 临不确定性，加大资产负债量价平衡 ...

支付行业正迎来一场从"支付工具"到"交易服务"的结构性变革。 一边是国内市场"内卷"加剧，企业比拼数字化与场景的深度融合；另一边是海外市场机遇凸显，中国支 付企业跟随产业出海开启新增长曲线。易宝支付创始人、CEO唐彬，这位从硅谷归来的连续创业者，亲 历了中国支付行业20余年的跌宕起伏。10月30日，在2025金融街论坛北京城市副中心分论坛上，他接受 了北京商报记者的专访。 当移动支付渗透到生活的每一个角落，当跨境贸易的资金流动愈发频繁，支付行业早已不是"收钱付 钱"的简单生意。唐彬介绍，易宝支付正在持续国内智能化深耕与海外全球化布局。在他的眼中，未来 十年，支付方式将进一步深度变革，甚至连"支付"这一环节都可能"消失"，但交易服务的价值也将无限 放大，这不仅是一家企业的战略选择，也是一个行业的演进方向。 AI不是万能药，要先破"数字化前提" "太卷了！国内支付行业基本进入到数字化与场景的深度绑定。"唐彬向北京商报记者如是说道。 这一判断也直指行业竞争的核心。在唐彬看来，历经二十余年发展，国内支付市场已从"跑马圈地"进 入"精耕细作"阶段。随着移动支付渗透率趋于饱和，单纯依靠渠道拓展的增长模式难以为继。 如今， ...

Core Insights - The "Going Global" cross-border financial superchain conference was held in Shanghai's Lingang New Area, gathering over 50 core financial institutions and more than 100 outbound enterprises to explore global cooperation and cross-border financial innovation [1] - Lingang New Area has empowered enterprises to go global, with over 450 non-financial foreign direct investment projects recorded and a total Chinese investment amounting to nearly $7 billion [1] - The conference aims to address financial challenges such as unmet funding needs, low cross-border settlement efficiency, and high exchange rate fluctuation risks, facilitating smoother and more cost-effective cross-border services for Chinese enterprises [1] Group 1 - The conference featured innovative formats like "lightning roadshows" and "financial markets," where leading financial institutions launched a series of cross-border financing and related financial service products [1] - The conference also established dedicated "country pavilions" for popular outbound destinations like the UAE and Argentina, providing one-stop solutions for enterprises to adapt to local market environments [2] - The Lingang New Area's "Going Global" comprehensive service platform has partnered with nearly 520 professional service institutions, including around 60 service providers in cross-border finance and foreign insurance [3] Group 2 - The platform aims to reduce transaction costs and financing barriers for enterprises going global by promoting resource matching and service collaboration [2] - Future initiatives will focus on ecological, precise, and international development, enhancing the integration of digital finance and cross-border services [3] - Lingang New Area is positioned as a strategic springboard for more Chinese enterprises to navigate global markets effectively [3]

Core Insights - The conference focused on addressing the financial pain points faced by Chinese enterprises going global, with the theme "Cross-border without boundaries, linking for win-win" [1][2][4] - The event aimed to enhance the global layout of Chinese enterprises by providing tailored financial services and resources [4][5] Group 1: Financial Challenges and Solutions - Chinese enterprises are experiencing strong demand for overseas expansion, but face challenges such as unmet funding needs, low cross-border settlement efficiency, and high exchange rate risks [2][4] - The Lingang New Area has recorded over 450 non-financial foreign direct investment projects, with a total investment of nearly $7 billion, showcasing its commitment to supporting enterprises in their global endeavors [4][9] Group 2: Conference Structure and Activities - The conference included various formats such as keynote speeches, roundtable discussions, lightning pitches, parallel forums, and a financial marketplace to facilitate resource matching and idea exchange [4][6] - Specific forums focused on "Data Empowerment for SMEs in Cross-border Financial Services" and "Insurance and New Patterns in Cross-border Finance" to explore technological and risk management aspects [5] Group 3: Resource Matching and Financial Products - Innovative features like "lightning pitches" and a "financial marketplace" were introduced to streamline the connection between enterprises and financial institutions, allowing for immediate communication and resource matching [6] - Major financial institutions presented a range of cross-border financing, insurance, leasing, and payment services, enhancing the financial options available to enterprises [6] Group 4: Strategic Goals and Future Directions - The Lingang New Area aims to establish itself as a financial hub and strategic platform for Chinese enterprises going global, focusing on institutional innovation and service optimization [5][8] - The "Going Global" comprehensive service platform is set to enhance cross-border financial services, aiming to reduce transaction costs and financing barriers for enterprises [9]

下一步，利津农商银行将以金融标准为引领，持续提升自身金融服务质量，创新服务模式，拓宽宣传渠道，更好地践行地方银行使命，为营造良好的金融生 态、助力地方经济社会发展贡献农商力量。 （通讯员 张智永） 期间，该行组织专业团队走进社区、商圈、企业园区，通过设置宣传展台、悬挂主题横幅、发放宣传折页等方式，向群众详细讲解金融标准在保障金融服务 质量、维护消费者权益等方面的重要作用，解读存款保险、支付结算、征信管理等领域的相关知识，让"金融标准"走进大众视野。同时，该行还聚焦金融教 育，通过"瓜果飘香季 防非正当时"金融助农专项行动、"风险提示送上门"暨金融知识普及教育"五进入"等活动形式，广泛宣讲防范电信网络诈骗、远离非法 集资、理性投资理财等金融知识，宣传金融为民办实事的亮点举措，展现农商银行的担当和温度。 为深入贯彻金融标准化理念，提升社会公众金融素养，连日来，利津农商银行广泛开展"金融标准 为民利企"主题宣传，将绿色金融、数字金融、普惠金融 等金融标准知识送到群众身边。 CALLS STE and stok 保障金融权益 助力美 年 SS 3 3 S S N ...

Core Viewpoint - The article emphasizes the importance of protecting financial consumer rights and enhancing public awareness of financial rights through targeted promotional activities at the bank's branch [1][6]. Group 1: Financial Rights Protection Initiatives - The bank has implemented a "financial rights protection scenario transformation" in its branch, focusing on creating an environment that promotes awareness of financial rights [3]. - Promotional materials, including banners and posters, are strategically placed to convey the message that "protecting rights is closely related to a better life" [3]. - On-site presentations are designed around real-life financial rights cases and practical protection guidelines, addressing issues like illegal collection of personal financial information and misleading financial services [3][5]. Group 2: Targeted Training for Staff and Customers - Specialized training sessions for branch staff, including tellers and lobby managers, focus on three key areas of rights protection: personal financial information protection, access to legitimate financial services, and customer autonomy in financial transactions [5]. - For in-store customers, personalized sessions cover high-frequency rights areas such as savings and payment rights, investment and wealth management rights, and credit and insurance rights [5]. - The training emphasizes the importance of safeguarding personal information, understanding financial product details, and knowing how to file complaints or seek arbitration in case of disputes [5][6]. Group 3: Future Commitment to Rights Protection - The bank plans to continue enhancing its rights protection initiatives, integrating them into the entire service process to better safeguard public interests and contribute to a better life [6].

Core Viewpoint - The banking industry is experiencing intense competition characterized by price wars and scale wars, leading to a detrimental "involution" that affects both the industry ecosystem and the real economy [1][2]. Group 1: Competition Dynamics - The competition among banks has escalated to unprecedented levels, resulting in a "price war" where loan rates have dropped below 3%, nearing the banks' funding cost limits [1]. - The "scale war" continues unabated, with banks pressured to attract deposits, leading to practices like "manual interest compensation" and "high-interest deposit purchases," which often breach financial compliance [1][2]. - This low-level repetitive competition not only compresses banks' profit margins but also leads to a waste of credit resources, weakening overall innovation and service quality in the banking sector [2]. Group 2: Need for Change - The banking industry requires a "de-involution" movement to alleviate the intense competition and reduce the burden on frontline employees [2]. - Financial regulatory authorities advocate for a shift from "scale-driven" to "value-driven" sustainable development in banking competition, emphasizing the need for banks to enhance their internal capabilities and innovation [2][3]. - Banks should diversify their revenue streams by expanding non-interest income businesses, such as wealth management and consulting services, to reduce reliance on interest margin income [2]. Group 3: Differentiation and Internal Optimization - Different types of banks need to establish clear differentiation in their development strategies, focusing on specific customer groups and business areas to provide unique financial services [3]. - In a competitive environment still influenced by "scale obsession," optimizing internal assessment and incentive mechanisms is crucial, incorporating diverse performance metrics beyond just deposit and loan scales [3]. - Financial regulatory bodies should continuously refine the competitive ecosystem, promoting differentiated competition among various types of institutions and establishing fair and orderly competition frameworks [3][4].