新华财经北京11月25日电（康耕甫）日前，《2025中国银行业竞争力研究报告》（以下简称《报告》） 在京发布。《报告》立足2025年承前启后的关键节点，聚焦银行业高质量发展核心主题，深度剖析宏观 经济转型与全球金融变革交汇下的行业机遇与挑战，为探寻复杂环境中银行业竞争力的核心密码，提供 了兼具专业性与权威性的参考依据。 其中，规模子榜单聚焦总资产、总负债等核心指标，直观呈现银行的体量优势；盈利子榜单围绕营业收 入、ROA 等关键数据，展现银行的盈利质量与盈利能力；成长性子榜单则将营业收入增长率、核心一 级资本充足率、成本收入比等指标纳入考量，力求从业务扩张、资本实力、运营效率和未来潜力等多个 维度，更为立体地展现银行的成长能力。 第三部分聚焦"五篇大文章"相关领域，系统呈现了2025年银行业在"五篇大文章"中的实践成果与发展路 径。 《报告》全面覆盖了科技金融、数字金融、养老金融、绿色金融、普惠金融五大领域，从六大行科技金 融组织架构升级，到中小银行科技贷款高增速；从AI重塑数字竞争力，到养老金融迈入"精耕时代"；从 五家银行跻身绿色信贷"万亿俱乐部"，到普惠金融迈向差异化精准服务，揭示了行业未来发展的多元路 ...

本报讯 （记者李冰）北京时间11月24日，美股上市新消费数字科技服务商乐信发布2025年第三季度未 经审计财务业绩。财报显示，第三季度该公司营收34.2亿元；利润（Non-GAAP EBIT）6.75亿元。在规 模方面，第三季度乐信交易额为508.9亿元，管理在贷余额1018.4亿元，用户数2.4亿，同比增加7.7%； 在资产质量方面，第三季度该公司全量资产90+不良率环比下降15个BP，同比下降74个BP，继续保持 稳健。 财报显示，第三季度该公司技术投入延续同比增长态势，在AI风控、AI客服等领域，保持领先投入， 持续升级底层能力。自研大模型LexinGPT引入更多维度数据，用户需求识别精准度提高了20%以上， 为各场景智能体提供更强决策能力。据披露，第三季度，乐信旗下生态业务分期电商、个人消费信贷、 普惠金融、数字科技、海外等协同能力增强，在拉动消费、服务小微方面，通过打通线上线下场景，提 升金融服务可获得性的同时，持续优化用户体验，形成服务多层级用户的业务生态。 （文章来源：证券日报） 财务指标方面，乐信净利润率（Net Profit Take Rate）2%，环比增长9个BP，同比增长92个BP。该 ...

Group 1 - The year 2025 is identified as a pivotal year for the banking industry in China, marking a transition period with both opportunities and challenges arising from macroeconomic transformation and global financial changes [1] - The "2025 China Banking Industry Competitiveness Research Report" was released on November 22, focusing on the core theme of high-quality development in the banking sector and analyzing the industry's competitiveness amidst complex environments [1][2] - The report highlights that by 2025, global economic growth will exhibit a "fragmented" characteristic, with increasing policy divergence among major central banks, while domestic economic stability faces challenges due to insufficient effective demand [2] Group 2 - The first part of the report presents the overall situation of high-quality development in China's banking industry, showcasing resilience in the face of internal and external uncertainties, with signs of stabilization in net interest margins and accelerated recovery in middle-income [2] - The second part of the report focuses on the "Top 100 Competitiveness of Chinese Banks (2025)" ranking, utilizing a four-dimensional indicator system based on objective data from commercial banks' 2024 annual reports [2] - The third part of the report covers the practical achievements and development paths in five key areas of finance, including technology finance, green finance, inclusive finance, pension finance, and digital finance, revealing diverse future development paths for the industry [3]

Core Insights - The report emphasizes the critical year of 2025 as a pivotal point for China's banking industry, highlighting the historical achievements during the "14th Five-Year Plan" and the industry's high-quality development amidst internal and external challenges [1][2]. Group 1: Overall Industry Trends - The banking industry is facing uncertainties but demonstrates resilience, with signs of stabilization in net interest margins and a recovery in middle-income sources [3]. - The global economic growth is characterized by fragmentation, with increasing policy divergence among major central banks, while domestic economic stability is challenged by insufficient effective demand [3]. - The financial regulatory framework is being enhanced to support stable development, focusing on risk prevention, strong regulation, and promoting growth [3]. Group 2: Competitiveness Rankings - The report includes a comprehensive analysis of the "Top 100 Competitiveness Rankings of China's Banking Industry (2025)" based on four key indicators: scale, profitability, stability, and growth [4]. - Sub-rankings include "Top 100 by Scale," "Top 100 by Profitability," and "Top 100 by Growth," providing a multidimensional view of banks' strengths [4]. - The scale ranking focuses on total assets and liabilities, while the profitability ranking examines operating income and return on assets (ROA), and the growth ranking considers revenue growth rates and capital adequacy [4]. Group 3: Key Development Areas - The report covers five major areas of development: technology finance, digital finance, pension finance, green finance, and inclusive finance, showcasing practical outcomes and development paths for 2025 [5]. - It highlights advancements in technology finance, including organizational upgrades in major banks and rapid growth in technology loans from smaller banks [5]. - The report also notes the entry of five banks into the "trillion club" for green credit and the evolution of inclusive finance towards differentiated and precise services [5].

新华社北京11月22日电（记者 李延霞）《中共中央关于制定国民经济和社会发展第十五个五年规 划的建议》提出，加快建设金融强国，并作出一系列重要部署。这是"金融强国"首次写入五年规划建 议。 "现代化强国必然是金融强国，纵观世界历史，大国崛起离不开金融的强有力支撑。"清华大学国家 金融研究院院长田轩表示，经过多年发展，我国已迈入世界金融大国之列，但客观上看，我国金融体系 仍然存在结构不够均衡、基础设施建设有待完善、市场机制不够成熟等问题，仍处于"大而不强"的阶 段，与我国作为全球第二大经济体的发展需求之间存在匹配度的差距。 "十五五"时期是我国基本实现社会主义现代化的关键时期，也将是推动金融高质量发展、加快建设 金融强国的关键时期。 "顺利实现'十五五'各项重点战略任务，金融要为经济社会发展提供更高质量的服务，金融业的全 球竞争力和话语权要进一步提升，必须锚定金融强国建设目标，扎实做好各项工作，推动金融由大到强 的跃升。"田轩说。 金融是国民经济的血脉，是国家核心竞争力的重要组成部分。全球最大的银行体系，第二大保险、 股票和债券市场，外汇储备规模稳居世界第一……党的十八大以来，我国金融改革发展事业稳健前行， 金 ...

Core Viewpoint - Chongqing Bank's recent equity changes reflect the optimization reform requirements from the Chongqing State-owned Assets Supervision and Administration Commission, with significant implications for its long-term strategic layout and brand development in the western financial sector [4][8]. Group 1: Equity Changes - On November 14, Chongqing Bank announced an equity change, with its largest shareholder, Chongqing Yufu Capital, reducing its stake from 23.45% to 21.93% following a series of announcements in August [4][6]. - The bank's stock price has shown a positive trend, with a year-to-date increase of 24.9%, closing at 11.12 yuan per share as of November 21 [10]. - The bank's recent equity adjustments are part of a broader trend of resource optimization among local state-owned enterprises in the financial sector [8]. Group 2: Financial Performance - As of September 30, 2025, Chongqing Bank's total assets reached 1,022.75 billion yuan, marking a 19.39% increase from the end of 2024 [11]. - The bank reported a revenue of 11.74 billion yuan and a net profit of 4.879 billion yuan for the third quarter of 2025, reflecting year-on-year growth of 10.4% and 10.19%, respectively [5][11]. - However, the bank faces challenges in its intermediary business, with net commission income decreasing by 27.6% year-on-year [11][13]. Group 3: Capital Adequacy - The bank's capital adequacy ratios have shown a decline, with the core tier one capital adequacy ratio dropping to 8.57%, approaching regulatory limits [14]. - The bank's capital structure has been under pressure, with a need for capital replenishment highlighted by the recent performance metrics [15]. Group 4: Regulatory Issues - Chongqing Bank was fined 2.2 million yuan for internal control and compliance issues, including inadequate loan due diligence and imprudent investment practices [15][20]. - The bank's non-performing loan ratio was reported at 1.14% as of the third quarter, with specific segments, such as retail credit, showing higher delinquency rates [17][19].

● 本报记者 张佳琳 时代浪潮奔涌，金融使命如山。"十五五"规划建议明确，加快建设金融强国。业内人士表示，国内外经 济社会环境正经历深刻变革，对我国金融体系的适应性、竞争力和改革纵深均提出了更高的要求。 有效防范化解重点领域金融风险，全面加强金融监管，优化金融机构体系，统筹做好金融"五篇大文 章"……面对新格局，金融监管总局局长李云泽表示，要牢牢把握防风险、强监管、促高质量发展工作 主线。 金融监管总局披露的最新数据显示，截至三季度末，我国银行业金融机构本外币资产总额474.3万亿 元。作为我国金融体系的重要组成部分，银行业面临着跨界竞争与同业竞争交织在一起的多重竞争格 局。面向"十五五"，银行业肩负着双重使命：积极助力中国式现代化建设；推进自身的高质量发展与结 构性变革。 深度融入高质量发展大局 服务实体经济是金融立业之本。"十五五"规划建议提出，大力发展科技金融、绿色金融、普惠金融、养 老金融、数字金融。这为银行业的发展指明了方向。 "着力提升经济金融适配性，更好促进经济社会持续健康发展。"李云泽表示，将高效服务现代化产业体 系建设和新质生产力发展。聚焦智能化、绿色化、融合化方向，为传统产业优化提升、新兴 ...

Monetary Policy Implementation - The People's Bank of China emphasizes the need for a moderately accommodative monetary policy to maintain relatively loose social financing conditions [1][2] - The report highlights the importance of balancing short-term and long-term goals, supporting economic growth while managing risks, and ensuring internal and external equilibrium [1][2] Financial Environment and Tools - The report calls for the use of various monetary policy tools to ensure ample liquidity and to guide banks in maintaining stable credit support [2][3] - It stresses the need for a scientific approach to financial total indicators, shifting focus from loans to social financing scale due to changes in financing structure and economic transformation [2][3] Interest Rate and Market Mechanisms - The report advocates for deepening interest rate marketization reforms to enhance the transmission channels of monetary policy [2][3] - It emphasizes the importance of maintaining reasonable interest rate relationships to improve the effectiveness of monetary policy and reduce arbitrage opportunities [3] Structural Monetary Policy Tools - As of September, the balance of structural monetary policy tools supporting key areas was 3.9 trillion yuan, with loan growth in related sectors exceeding 10% [4] - The report highlights the rapid growth of loans in the pension industry, approaching 60%, indicating a diverse range of covered subjects [4] Financial Risk Management - The report outlines the need for a comprehensive macro-prudential management system and mechanisms for systemic financial risk prevention and resolution [4][5] - It calls for enhancing the macro-prudential management of systemically important financial institutions and expanding the coverage of additional regulatory measures to non-bank sectors [5]

Core Insights - The People's Bank of China emphasizes the importance of monetary credit policy in guiding financial development [1] - The report outlines a focus on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [1] - There is a commitment to support major national strategies and address key areas and weaknesses in economic and social development [1] Group 1: Monetary Policy and Financial Development - The report highlights the need to optimize and effectively utilize monetary policy tools that support technological innovation [1] - It stresses the importance of enhancing data development and utilization in the technology finance sector [1] - The establishment of a technology finance system that aligns with technological innovation is a priority [1] Group 2: Green Finance Initiatives - The report calls for the optimization of carbon reduction support tools and the expansion of green finance product offerings [1] - It mentions the need to develop carbon accounting rules for financial institutions in key high-carbon industries [1] - Financial institutions are encouraged to participate in the construction of carbon markets in a prudent manner [1]

Core Viewpoint - The article emphasizes the importance of accelerating the construction of a financial powerhouse in China as outlined in the "15th Five-Year Plan" proposal, highlighting the need for enhanced competitiveness and influence in the global financial landscape [1] Group 1: Financial System Development - The proposal mentions the need to improve the central bank system and establish a robust monetary policy framework alongside a comprehensive macro-prudential management system to ensure effective monetary policy transmission [2] - It highlights the importance of balancing monetary policy's intensity, timing, and rhythm to avoid excessive liquidity while maintaining sufficient market liquidity through various tools [2] - The focus is on enhancing the financial support for technological innovation and industrial transformation through structural monetary policy tools [3] Group 2: Financial Services and Inclusion - The "five major financial initiatives" aim to support national strategies and optimize financial resource allocation, including technology finance, green finance, inclusive finance, pension finance, and digital finance [4] - The proposal emphasizes the need for a more inclusive and adaptable capital market system to better serve the real economy and promote high-quality economic development [5] Group 3: Financial Institution Optimization - The proposal calls for optimizing the financial institution system, encouraging institutions to focus on their core businesses and improve governance [6] - It stresses the importance of enhancing the global competitiveness of large financial institutions while supporting the development of small and medium-sized financial institutions [6] Group 4: Financial Regulation and Openness - The proposal advocates for comprehensive financial regulation, emphasizing proactive risk prevention and the use of technology in regulatory practices [7] - It outlines the need for a safe and efficient financial infrastructure to support the stable operation of the financial system and enhance China's voice in global financial governance [8] - The proposal also discusses the transition from market-access-based openness to institutional openness, aiming for a comprehensive open financial ecosystem [9]