夜幕降临，哈尔滨冰雪大世界瞬间流光溢彩，勾勒出梦幻般的轮廓。这里正以最热情的姿态，向全 球游客张开怀抱，共赴冰雪狂欢。 不只是哈尔滨，这个冬季特别是元旦假期期间，新疆、吉林、北京、河北等全国多地加速解锁冰雪 全新玩法。"雪假"放了、专列开动了、雪场"开板"了，冰雪消费正以更加新颖的"姿态"快速升温。 值得关注的是，在冰雪消费热的背后，一条完善的冰雪经济产业链正在逐步形成。从北方到南方， 从传统冰雪项目到层出不穷的"冰雪+"新场景，"热"起来的不仅是冰雪消费本身，更带动了国产装备制 造、目的地餐饮住宿服务等全产业链的蓬勃发展。 "冰雪消费是近年来在政策引导与消费结构升级背景下加速兴起的新型消费形态，兼具体育、文旅 与产业属性，如今已逐步成长为规模近万亿元的庞大市场。"苏商银行特约研究员高政扬在接受《金融 时报》记者采访时表示。 冰雪消费推动各地冰雪资源加速转化为生态效益、经济效益和社会效益，与此同时，银行业正以金 融创新为纽带，从信贷支持、支付便利、消费激励等多维度发力，为冰雪消费持续注入动能，让"冷资 源"的消费潜力充分释放。 银行推出优惠活动为冰雪消费降低门槛 从哈尔滨冰雪大世界打造园区超级冰滑梯，到内蒙古 ...

如今，数字金融作为数字经济的核心支柱，正以空前的速度与深度重构金融体系，并日益成为推动经济 社会高质量发展的关键引擎。然而，创新与风险的博弈始终客观存在，金融是经营管理风险的行业，在 科技应用方面，其对稳定性、可靠性的需求可谓极高。在数字金融发展得如火如荼之际，数据安全风险 问题同样需要高度关注。 从金融安全的角度来看，核心金融数据一旦泄露，可能直接危及金融体系的稳定和公众利益。而此类风 险往往具有高度集中、跨行业传导迅速、技术手段隐蔽性强等突出特征。与此同时，中小金融机构普遍 存在安全防护能力薄弱、跨机构间权责边界不清等现实短板，这就进一步加剧了风险防控的复杂性，对 整个行业的安全治理体系构成挑战。 对广大消费者而言，"数字金融"这一概念或许略显抽象，但若提到由此催生的各类金融服务——如数字 钱包、消费信贷、刷脸支付等，大家或许早已司空见惯。 数字金融的高质量发展已成为国家战略层面的重要部署。党的二十届三中全会强调，加快构建促进数字 经济发展体制机制，完善促进数字产业化和产业数字化的政策体系，并对积极发展数字金融作出部署。 2023年10月召开的中央金融工作会议首次将数字金融写入中央文件，明确提出要大力发展 ...

对广大消费者而言，"数字金融"这一概念或许略显抽象，但若提到由此催生的各类金融服务——如数字 钱包、消费信贷、刷脸支付等，大家或许早已司空见惯。 如今，数字金融作为数字经济的核心支柱，正以空前的速度与深度重构金融体系，并日益成为推动经济 社会高质量发展的关键引擎。然而，创新与风险的博弈始终客观存在，金融是经营管理风险的行业，在 科技应用方面，其对稳定性、可靠性的需求可谓极高。在数字金融发展得如火如荼之际，数据安全风险 问题同样需要高度关注。 从金融安全的角度来看，核心金融数据一旦泄露，可能直接危及金融体系的稳定和公众利益。而此类风 险往往具有高度集中、跨行业传导迅速、技术手段隐蔽性强等突出特征。与此同时，中小金融机构普遍 存在安全防护能力薄弱、跨机构间权责边界不清等现实短板，这就进一步加剧了风险防控的复杂性，对 整个行业的安全治理体系构成挑战。 数字金融创新提速下，数据安全风险还存在哪些"死角"？金融机构应该如何应对数据安全风险？2025年 岁末之际，《每日经济新闻》记者就此采访了多位业内人士。 AI重构金融服务生态 近年来，推动数字金融高质量发展，已成为国家战略层面的重要部署。 在政策支持下，金融机构的数字 ...

Core Viewpoint - Ningbo Bank has successfully distributed its first interim cash dividend, amounting to 1.5 billion yuan, reflecting its commitment to shareholder returns and strong financial performance since its listing in 2007 [1] Group 1: Dividend Distribution - The bank distributed a cash dividend of 3 yuan per 10 shares, totaling 1.981 billion yuan based on a total share capital of 6.604 billion shares [1] - This marks the first interim dividend for Ningbo Bank, aligning with its shareholder return plan for 2025-2027 [1] - Cumulatively, the bank has distributed approximately 37.8 billion yuan in cash dividends since its IPO, surpassing the total funds raised through various equity financing methods [1] Group 2: Profit Resilience - Despite industry-wide profit pressures, Ningbo Bank has maintained a solid profit level, supported by a diversified profit structure [2] - The bank has developed nine profit centers, including corporate banking, retail banking, wealth management, and investment banking, enhancing its competitive edge [2] - The bank's net commission income increased by 29.3% year-on-year to 4.85 billion yuan in the first three quarters, driven by wealth distribution and asset management [2] Group 3: Financial Performance - In the first three quarters, Ningbo Bank reported a net profit of 22.445 billion yuan, a year-on-year increase of 8.39%, and operating income of 54.976 billion yuan, up 8.32% [3] - The bank's asset total reached 3.58 trillion yuan by the end of September, a 14.5% increase from the beginning of the year [4] Group 4: Asset Quality - Ningbo Bank has maintained a non-performing loan ratio of 0.76%, remaining stable since the beginning of the year, with a provision coverage ratio of 375.92% [5] - The bank has kept its non-performing loan ratio below 1% for 18 consecutive years, ensuring a strong foundation for sustainable development [5] Group 5: Strategic Focus - The bank emphasizes a differentiated operational strategy, focusing on regional development and supporting the real economy, which has led to significant growth in its asset scale [4] - Ningbo Bank aims to enhance its competitive advantage through a multi-faceted approach to growth and stringent risk management practices [6]

刚刚结束的中央经济工作会议将"坚持扩大内需，形成强大国内市场"确立为明年的首要任务。 12月12日，商务部、中国人民银行、金融监管总局发布《关于加强商务和金融协同更大力度提振消费的 通知》(以下简称《通知》)。《通知》要求，强化商务和金融系统协作，引导金融机构聚焦消费重点领 域加大支持力度，助力提振和扩大消费。 消费作为经济高质量发展的强引擎，是畅通国内大循环的关键支撑。根据媒体报道，多家银行已就金 融"促消费"作出积极回应，截至目前，某家全国性股份制商业银行个人消费信贷投放规模已超8000亿 元。 对于金融机构而言，金融"促消费"既要贴近消费者真实需求，又要守住坏账风险的底线，是个不小的考 验。 在房地产贷款受限、对公业务承压的背景下，消费金融天然具备分散风险、平滑周期的功能，其扩张既 能直接提升居民当期购买力，也能通过产业链传导带动零售、汽车、家电、文旅等行业的回暖。然而， 历史上多次消费信贷高速扩张也提醒我们，规模并不等于质量，如果投放失焦、风控松弛，很容易让信 贷资金在追逐规模中偏离真实消费，甚至催生过度负债与资产泡沫。《中国消费金融行业发展报告 (2024)》显示，银行系消费贷不良率相对更低，约1. ...

2025年10月，人民银行释放重磅信号，2026年初，将研究实施支持个人修复信用的政策措施，为疫情以 来小额已还违约贷款"抹去"征信违约痕迹。业内认为，这一政策背后，既能解当下房地产调整、居民收 入波动下，个人信用瑕疵的民生痛点，也凸显出征信在普惠金融中的核心价值。过去，小微企业缺抵 押、新市民收入不稳，融资难成共性问题；如今，完善的征信体系不仅打破"信息孤岛"，更让无数普惠 小微贷款精准落地，还能通过信用修复为困境群体开辟"回头路"。 避免"一刀切"高定价 众所周知，过去二十年，我国居民杠杆率持续攀升，资产配置曾高度集中于房地产。 但随着市场环境变化，就业压力增大、资产缩水等问题接踵而至，个人信用违约现象呈现结构性增长。 从中国普惠金融研究院和合作机构共同开展的一项调查结果可见，30—39岁群体成为债务压力核心人 群，其资产负债表受房产价格波动冲击最为明显；此外，新市民因收入稳定性不足，信用违约风险较 高，且违约后重新进入信用市场的门槛居高不下。 信用瑕疵的连锁效应，也在侵蚀家庭财富根基。一方面，失信记录导致贷款申请受阻、融资成本上升； 另一方面，居民对房地产的依赖度下降后，也面临资产流动性焦虑，在低利率环 ...

Core Insights - The article discusses the "Optimization of Consumption Environment Month" initiative launched by Bohai Bank's Changzhi branch, aimed at enhancing service quality and optimizing the consumption ecosystem to empower consumer spending [1] Group 1: Initiative Overview - The initiative focuses on improving consumer financial services by addressing pain points and enhancing citizens' satisfaction and sense of gain in consumption [1] - It aligns with the diverse financial consumption needs of citizens, targeting areas of high concern and urgent demand in financial consumption [1] Group 2: Community Engagement - The bank actively organized financial knowledge promotion in communities, business districts, and enterprises, emphasizing rational consumption, safe payment, and credit protection [1] - On-site Q&A sessions were held to address citizens' inquiries regarding consumer credit and payment settlement [1] Group 3: Future Plans - The bank plans to solidify successful experiences and practices from the initiative, continuing to innovate in service, product, and scenario development [1] - The goal is to enhance the precision and convenience of financial services, thereby boosting local consumption confidence and contributing to economic and social development [1]

Investment Rating - The report maintains a "Recommend" rating for the banking industry in Zhejiang Province, highlighting its strong potential due to the active private economy and favorable financial environment [2]. Core Insights - The banking sector in Zhejiang, particularly Hangzhou Bank, is positioned as a high-potential financial partner, benefiting from the region's economic vitality and robust growth in various financial services [3][8]. - The report emphasizes the resilience of Zhejiang's economy, with a GDP growth rate consistently above the national average, despite challenges such as trade friction [9][20]. - The analysis identifies several unlisted banks in Zhejiang as potential investment opportunities, focusing on their profitability, growth potential, and asset quality [8][9]. Summary by Sections 1. Overview of Zhejiang's Private Economy - Zhejiang's private economy reached 6.1 trillion yuan in 2024, accounting for 67.4% of the province's GDP, contributing over 70% of tax revenue and 80% of imports and exports [13][20]. - The province has a strong entrepreneurial culture, with a historical reliance on private economic forces due to limited state support [19][20]. 2. Economic Structure - The primary industries in Zhejiang are wholesale and retail, and manufacturing, with the service sector contributing approximately 60% to the GDP [26][30]. - The province's export dependency is significant, with over 40% of GDP derived from exports, and a notable reliance on the U.S. market [35][39]. 3. Banking Sector Characteristics - Zhejiang has a diverse banking landscape with 168 legal entities, including 13 city commercial banks and 82 rural commercial banks, primarily serving small and medium-sized enterprises [56][57]. - The report highlights the strong profitability and asset quality of listed city commercial banks like Hangzhou Bank and Ningbo Bank, which focus on different customer segments [57][59]. 4. Hidden Gems in Banking - The report identifies six unlisted city commercial banks and 25 rural commercial banks in Zhejiang with strong ROE and low non-performing loan ratios as potential investment targets [8][9][56]. 5. Investment Recommendations - Investors are encouraged to focus on the high-growth potential of banks in Zhejiang, particularly listed banks that may be undervalued, as well as exploring opportunities in unlisted banks [8][9].

Core Viewpoint - The article emphasizes the importance of the financial sector as a vital component of national competitiveness and economic development, highlighting the need for banks to support the real economy and align with the goals set forth in the 14th Five-Year Plan [1] Group 1: Financial Sector Development - The banking industry is tasked with optimizing credit structures, innovating product services, and improving mechanisms to meet the demands of key areas such as industrial upgrading, technological innovation, and rural revitalization [1][2] - The 14th Five-Year Plan includes the goal of building a modern industrial system, with a focus on intelligent, green, and integrated development [2] Group 2: Industry-Specific Financial Services - Banks should create a differentiated, full-chain industrial financial service system to efficiently allocate financial resources to key industries [2][3] - Emphasis is placed on supporting traditional industries like mining and metallurgy, as well as emerging sectors such as renewable energy and aerospace, through tailored credit policies [2] Group 3: Technology and Innovation Financing - The banking sector is encouraged to develop a comprehensive financial service system that covers the entire lifecycle of technology enterprises, focusing on early-stage investments and support for technology commercialization [4][5] - Establishing a multi-dimensional ecosystem involving government, venture capital, and research institutions is crucial for matching technology, capital, and talent [5] Group 4: Inclusive Finance - The banking industry is urged to enhance inclusive finance to support employment stability and income growth, particularly for small and micro enterprises and rural areas [7][8] - Innovations in financial products and services are necessary to meet the financing needs of small businesses and promote rural revitalization [7] Group 5: Wealth Management and Consumer Finance - Banks should optimize wealth management and consumer finance services to stimulate domestic consumption, which is vital for economic growth [9][10] - The development of personalized financial products and services is essential to meet diverse consumer needs and enhance financial literacy among residents [9][10]

Core Viewpoint - Ningbo Bank has demonstrated steady growth in its operations, with significant increases in revenue and net profit, while maintaining high asset quality and a low non-performing loan ratio [1][5]. Financial Performance - For the first three quarters of 2025, Ningbo Bank reported a revenue of 54.976 billion yuan and a net profit attributable to shareholders of 22.445 billion yuan, both showing an increase of over 8% year-on-year [1][3]. - The bank's total assets reached 3.578396 trillion yuan, marking a 14.50% increase from the beginning of the year [2]. - The average return on equity for the bank was 13.81% [3]. Asset Quality - As of the end of September, the non-performing loan ratio stood at 0.76%, maintaining a record of being below 1% for 18 consecutive years [5][6]. - The provision coverage ratio was 375.92%, indicating strong risk mitigation capabilities [5]. Loan and Deposit Growth - Total loans and advances amounted to 1.716823 trillion yuan, reflecting a growth of 16.31% since the start of the year [2]. - Total deposits reached 2.047804 trillion yuan, with an increase of 11.52% year-to-date [2]. Profitability and Efficiency - The bank's net interest margin remained resilient at 1.76%, consistent with the previous half-year [4]. - The cost-to-income ratio improved to 30.68%, a decrease of 2.75 percentage points year-on-year, indicating enhanced operational efficiency [4]. Strategic Focus - Ningbo Bank continues to focus on supporting the real economy, particularly in sectors like technology innovation and advanced manufacturing [2][6]. - The bank is committed to a diversified profit structure, with multiple profit centers across various financial services [3].