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 ...

绿色发展是高质量发展的底色，绿色金融在其中发挥了引领和支持作用。《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》明确提出，大力发展科技金融、绿色金融、普惠金融、养老金 融、数字金融。未来，我国绿色转型和降碳任务仍然艰巨，需要推动绿色金融服务再上新台阶，全力做 好绿色金融"大文章"。 （作者系国家信息中心正高级经济师） （文章来源：经济日报） 也要看到，在赋能新时代绿色发展方面，我国绿色金融仍面临一些问题和挑战。例如，绿色金融标准体 系不完善，国内外标准不统一、地方与行业标准差异大；碳市场交易规模低、行业覆盖范围有限、价格 发现功能较弱；绿色金融工具仍以传统信贷、债券为主，创新性产品不足。未来需要加快绿色金融的发 展和升级。 一方面，健全绿色金融标准体系。加强统筹协调，在建立完善绿色金融标准体系方面持续发力。加快转 型金融标准体系建设，制定出台统一的金融机构和金融业务碳核算标准。加强对金融机构的引导和监 督，促进标准实施。积极参与国际标准制定，提升我国在国际绿色金融标准制定中的话语权和影响力。 另一方面，丰富绿色金融和转型金融产品及服务。金融机构要在扩绿、降碳、减污等方面不断丰富产品 和服务。发挥 ...

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 ...

● 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 ...

Group 1: Forum Overview - The 9th Xiong'an New Area Investment and Financing Development Forum was held in Beijing, focusing on "14th Five-Year Plan" outlook and financial empowerment for new productivity cultivation [1] - Over 400 representatives from government, enterprises, universities, and financial institutions participated to discuss financial support for Xiong'an's construction and economic development [1] Group 2: Government and Institutional Support - The Fengtai District government emphasized the importance of financial support and collaboration for Xiong'an's development, highlighting initiatives in technology finance and green finance [1] - The Hebei Provincial Financial Office aims to guide quality financial resources towards Xiong'an, focusing on technology enterprises and strategic industries during the "14th Five-Year Plan" period [2] - The Hebei State-owned Assets Supervision and Administration Commission plans to enhance cooperation with financial institutions to innovate investment and financing models for state-owned enterprises [2] Group 3: Financial Institutions and Market Development - Caida Securities shared its "investment banking + investment + research" model, aiming to provide comprehensive financial services aligned with Xiong'an's industrial needs [3] - The Hebei Securities Regulatory Bureau is committed to building a safe and transparent capital market while supporting direct financing for enterprises in Xiong'an [2][3] Group 4: Academic Contributions - Hebei Financial College is actively involved in Xiong'an's development by proposing new financial programs and engaging in research projects [2] - Experts discussed the importance of creating a conducive business environment and fostering new productivity as a strategic driver for high-quality development [3][4] Group 5: Investment Focus and Future Directions - The forum highlighted the need for a financing system that aligns with innovation cycles to drive Xiong'an's growth [5] - The National Development and Reform Commission identified key investment areas for the "14th Five-Year Plan," focusing on new productivity and major infrastructure projects [5] - A new book on the transformation of local government investment and financing platforms was released, providing theoretical and practical guidance for urban investment platform transformation [5]

Core Viewpoint - The article discusses the resilience and long-term investment value of bank stocks, particularly focusing on Industrial Bank's recent performance amidst external challenges, highlighting its differentiated operations and strong core competitiveness [1]. Group 1: Operating Performance - Industrial Bank reported a revenue of 161.23 billion yuan for the first three quarters, a year-on-year decrease of 1.82%, but achieved a net profit of 63.08 billion yuan, indicating positive growth in net profit despite a challenging environment [2]. - The bank's net interest margin stood at 1.72%, maintaining a relatively leading position among joint-stock banks, and it aims to implement effective strategies to stabilize net interest income [3]. Group 2: Differentiated Competitive Advantage - Industrial Bank continues to enhance its "green bank," "wealth bank," and "investment bank" identities, with green finance financing balance reaching 2.47 trillion yuan, a 12.8% increase from the beginning of the year [4]. - The bank's asset management scale reached 3.51 trillion yuan, growing by 20.62% year-on-year, with retail wealth AUM at 3.95 trillion yuan, reflecting its strong market position [5]. Group 3: Risk Management and Asset Quality - The bank has seen a decrease in new non-performing loans and non-performing loan ratios, with the non-performing loan rate at 1.08%, indicating stable asset quality [6]. - The bank has established agile teams for risk management in key areas, enhancing its ability to address potential risks effectively [7]. Group 4: Shareholder Returns and Valuation - Industrial Bank has a history of significant shareholder returns, with cumulative dividends of 216.1 billion yuan since its listing, and recently announced a mid-term dividend of 5.65 yuan per 10 shares [8]. - The bank's static dividend yield is 5.29%, and its price-to-book ratio is 0.53, positioning it as a high-quality dividend stock for long-term investors [9].

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]