中国石油集团资本股份有限公司 投资者关系活动记录表 编号：2025-006 | 投资者关系活动 | □分析师会议 ☑特定对象调研 | | --- | --- | | | □媒体采访 □业绩说明会 | | 类别 | □新闻发布会 □路演活动 | | | □现场参观 | | | □其他（请文字说明其他活动内容） | | 参与单位名称 | 华泰证券 沈娟、汪煜 | | 及人员姓名 | 汇添富基金 何旺 | | 时间 | 2025 年 7 月 2 日 | | 地点 | 通过腾讯会议远程交流 | | 接待人员 | 王云岗 证券事务代表 | | | 证券事务部工作人员 | | | 接待人员简要介绍公司情况，并就以下问题 | | | 展开交流。 | | | 1. 关注到中油财务去年利润在 60 亿元左右， | | | 资产负债端的来源都有哪些？如何保持利润稳健 | | | 增长？ | | | 答：中油财务的资产和负债端主要来自于中 | | | 国石油集团及其成员单位。其作为中国石油集团 | | | 的"内部银行"和"司库平台"，主要为中国石 | | | 油集团及其成员单位提供交易款项收付、内部转 | | 投资者关系活动 | ...

业务办理过程中，柜员始终保持专注与耐心，每完成一个步骤，都会轻声向客户解释，让客户清楚知晓 业务进展。当转账业务顺利办结后，孕妇客户感动不已，拉着工作人员的手连连道谢："你们的服务太 贴心了，从进门到办完业务，每一处都替我考虑到了，让我觉得特别温暖、安心！" 此次服务是该行关注特殊客户群体、践行 "以客户为中心" 服务理念的生动体现。对于行动不便的孕妇 客户，该行从提供舒适座椅、温水，到耐心指导填单、反复确认信息，每一个细节都彰显着对客户的关 怀。工作人员深知，在金融服务中，细节决定成败，只有将服务做到尽善尽美，才能真正赢得客户的信 任与支持。 未来，建行菏泽单县开发支行将继续秉持这份服务初心，关注各类特殊客户群体需求，以更贴心、更专 业的服务，为客户带来有温度的金融体验。 近日，建行菏泽单县开发支行发生了暖心一幕。一位行动不便的孕妇客户前来办理转账业务，支行工作 人员迅速响应，以细致入微的服务，为客户带来温暖安心的业务办理体验，获得客户由衷感谢与称赞。 当日，孕妇客户步入该行营业厅，大堂经理第一时间注意到客户的特殊情况，立即引导其到舒适的休息 座椅就坐，并贴心递上温水，安抚客户情绪。在了解到客户需办理转账业 ...

Core Viewpoint - The increasing popularity of lottery purchases among the public is highlighted, with a significant rise in sales expected in 2025, despite the low probability of winning large prizes [1][3]. Group 1: Lottery Sales and Participation - The national lottery sales are projected to reach 287.3 billion yuan in the first half of 2025, marking a year-on-year growth of 17.6% [1]. - The probability of winning major lottery prizes is extremely low, with the odds of winning the Super Lottery at 1 in 21.42 million and the odds for the 5 million yuan prize in the Double Color Ball at 1 in 17 million [3]. Group 2: Payment Methods for Lottery Winnings - There are two main payment methods for lottery winnings: cash checks and transfer checks, each with distinct advantages and disadvantages [3][5]. - Cash checks offer anonymity and convenience, allowing winners to protect their privacy and make large purchases directly [5]. - Transfer checks provide higher security, as they are named payments, making it difficult for others to access the funds if lost. They also allow for clearer tracking of the source of funds, which can simplify tax obligations [7]. Group 3: Winner Preferences and Trends - A survey conducted in 2024 indicated that 78.3% of 1,000 lottery winners preferred transfer checks for their convenience, while only 21.7% opted for cash checks [9]. - The trend towards digital payments and cryptocurrencies is expected to further decrease the likelihood of winners choosing cash checks in the future [9].

Core Insights - The report by Standard Chartered reveals the current status and trends of international banking service demands among China's affluent clientele and entrepreneurs, based on a survey of 1,520 individuals with investable assets of HKD 1 million or more [1][9]. Group 1: Current Status of International Banking Services - Approximately 87% of respondents have held international bank accounts for at least three years, with 65% for over five years, indicating a strong familiarity with international banking services [15][16]. - The primary reasons for opening international bank accounts include wealth management and investment (57%), financial security (54%), and business purposes (49%) [16][19]. - The most commonly used services are deposits (56%), cross-border transfers (40%), and local transfers (39%) [19][34]. Group 2: Preferences for Banking Locations - Hong Kong remains the preferred location for international banking services, with 70% of respondents selecting it, followed by Singapore at 63% [23][25]. - Key factors influencing the choice of banking locations include multi-currency services, local banking regulations, and access to international wealth management advice [23][26]. Group 3: Evolving Service Demands - There is a shift from single product usage to a demand for integrated, one-stop service experiences, with nearly half of the respondents considering this very important [2][41]. - Over 89% of respondents are open to digital account opening processes, particularly among millennials, where the acceptance rate is 93% [42][44]. - The demand for personalized services is significant, with language support being a core requirement, as 25% of affluent clients face communication barriers [44][46]. Group 4: Asset Allocation and Investment Strategies - More than 52% of affluent clients plan to allocate at least 20% of their income towards cross-border savings or investments, with cash, insurance, and funds being the primary asset classes for future allocation [2][35]. - The trend indicates a growing interest in insurance (54%), stocks (43%), and funds (43%) for the upcoming year, reflecting a desire for diversified asset management [31][36]. Group 5: Demand for Professional Consulting Services - There is a rising demand for value-added consulting services, particularly in tax and legal advice, with over 95% of entrepreneurs considering these services important [2][37]. - The satisfaction level with current consulting services is low, indicating a gap that banks can address to enhance client relationships [2][37]. Group 6: Integration of Services - The affluent clientele seeks a seamless integration of services across digital platforms, emphasizing the importance of comprehensive online and offline banking experiences [41][42]. - The expectation for banks to provide innovative digital services, such as virtual consultations and AI recommendations, is high among clients [42][43].

近日，高温天气里，一位大爷匆匆走进农行济南历下支行营业部的网点，额头上满是汗珠，神情焦急又 略显紧张。 一杯温水，几句关怀，看似微不足道的举动，却在炎炎夏日里为客户送去了清凉与温暖，也生动诠释了 农行济南历下支行营业室"以客户为中心"的服务理念。在金融服务的道路上，农行济南历下支行营业室 始终将客户的需求放在首位，用专业、热情、贴心的服务，传递着金融行业的温度，努力成为客户心中 值得信赖的"贴心银行"。 然而，大爷仍是汗如雨下，气喘吁吁，显然是在烈日下奔波加上内心焦急所致。小王察觉到大爷的不 适，连忙说道："大爷，外面天气太热了，您先别着急走，在我们这儿多坐一会儿，歇歇脚，降降 温。"说着，便转身为大爷倒了一杯温水，递到大爷手中，"大爷，您喝点温水，缓缓神。"大爷接过水 杯，感动不已，连连道谢："太感谢你们了，不仅办事效率高，还这么贴心，真的太暖心了！"在休息的 过程中，小王还主动与大爷聊起天来，向大爷讲解一些简单易懂的手机银行转账操作知识，让大爷以后 不用再为转账发愁。大爷认真地听着，时不时点头，脸上露出了欣慰的笑容。 原来，大爷需要给远方的家人转账，但他对手机转账操作不太熟悉，担心转错账，思虑再三，决定顶 ...

Core Viewpoint - The construction of rural payment environment is a crucial part of the comprehensive revitalization of rural areas, with the People's Bank of China (PBOC) in Anhui Province implementing measures to enhance rural payment infrastructure, empower rural production and life through digital intelligence, and optimize payment service processes [1] Group 1: Systematic Planning and Financial Infrastructure - The PBOC in Anhui is focusing on external policy coordination to enhance rural payment services, exemplified by the establishment of a "County Financial Management Service Mobile Working Group" in Huainan City to improve information flow between government departments [2] - The PBOC emphasizes precise management of rural payment service points, addressing issues related to their layout and service standards, and implementing a dynamic adjustment mechanism based on demand [3] Group 2: Talent Cultivation and Financial Services - The PBOC encourages rural banks to deploy financial assistants to better meet the differentiated financial needs of agriculture and rural areas, promoting financial literacy among villagers [4] Group 3: Digital Empowerment for Agriculture and Elderly Services - The PBOC is advancing payment services from merely supporting farmers' daily lives to enhancing agricultural production, with initiatives like the establishment of a financial cloud ecosystem to support agricultural reforms [5] - Efforts are being made to improve payment services for the elderly, including the implementation of projects that facilitate medical insurance payments and enhance financial service satisfaction among older adults [6] Group 4: Tourism and E-commerce Enhancement - The PBOC is leveraging its rich cultural and tourism resources to improve payment services in the tourism sector, achieving over 110,000 transactions in 2024 through initiatives like QR code payments on public transport [7] - The integration of e-commerce with rural payment services is being promoted, with financial support provided to merchants to enhance their engagement in e-commerce activities [8] Group 5: Service Process Optimization - The PBOC is upgrading account services to address the financial service gaps in rural areas, simplifying account opening procedures and providing on-site services to villagers [9] - A management application for rural payment service points has been developed to enhance the efficiency of service point management and optimize service layouts [10] Group 6: Deepening County-Level Promotion - The PBOC is actively conducting payment education campaigns in rural areas, utilizing various platforms to enhance financial literacy among the local population [11]

近日，兴业银行（601166）银期转账建设项目成功上线，实现了银期转账系统同城双活、全量贯标的提 升目标，并一次性完成全部业务流量单轨切换，切换后"零问题""零补丁"，助力本行同业存管结算类系 统建设进入新阶段。银期转账系统为期货投资者提供银行结算账户与期货资金账户之间资金定向、实时 划转的金融服务。兴业数金积极响应国家金融监督管理总局、中国证券监督管理委员会等监管机构关于 加强业务连续性建设、提升灾难恢复能力的指导要求，将该系统双活建设纳入本行重要信息系统容灾建 设提升计划。兴业数金同业与金融市场研发中心通过自主研发和技术创新，顺利实现了系统改造目标并 成功投产。 银期转账系统作为本行联机交易类重要信息系统，在本项目中依托本行数据库云平台，实现了数据库同 城跨机房级切换的全自动化。系统整体架构从异地灾备提升为同城双活加异地灾备，所有应用服务节点 全部采用集群部署加多节点工作机制，全面提升高可用能力。 项目组精益求精，在系统架构多个层面采用新型网络探活技术，实现数据库同城切换时应用自动切换， 以及系统机房级切换对关联系统无影响。另外，项目组通过设计实现了重要文件数据化存储方式，做到 重要文件与数据同等级的RP ...

Group 1 - Meituan is accelerating its overseas expansion plans, with Dubai as the first international trial site for its drone delivery service, having obtained the first commercial operation certification for drone delivery in Dubai by December 2024 [2] - PingPong has received preliminary approval from the Central Bank of the UAE to operate, which will enable it to provide a range of services including local remittance and cross-border transfers for local and global businesses [2] - Gaw Capital plans to increase investments in the Middle East, having recently invested over $150 million in a residential building in Abu Dhabi and signed agreements to explore the development of a life sciences park in Dubai [2] Group 2 - JD Logistics has completed the delivery of its first logistics infrastructure project in the Jebel Ali Free Zone in Dubai [3] - Abu Dhabi has launched a unified economic license to enhance its competitiveness as a business-friendly destination, streamlining the registration process for economic licenses across the emirate and its free zones [3] - The UAE's non-oil private sector growth rate fell to its lowest level in nearly four years in May, with the Purchasing Managers' Index (PMI) dropping from 54.0 in April to 53.3 in May, indicating a slowdown in growth momentum despite strong demand [3] Group 3 - The UAE Ambassador to China attended a trade cooperation exchange meeting, where multiple cooperation agreements were signed, exploring potential collaboration opportunities between the UAE and Sichuan Province [4] - The Middle East tourism market is expected to grow significantly, with total tourism consumption projected to reach $350 billion by 2030, maintaining an annual growth rate of around 7% [4] - The first UAE Agriculture Conference and Exhibition concluded successfully, attracting over 10,000 attendees and resulting in several strategic agreements to support the agricultural sector [5] Group 4 - The UAE is seeking to negotiate a trade agreement with the US to reduce tariffs on steel and aluminum, as the UAE is a significant exporter of these products to the US [5] - The Comprehensive Economic Partnership Agreement (CEPA) between Cambodia and the UAE has shown initial positive results, with bilateral trade increasing by 5% year-on-year in 2024, reaching $91.14 million [5] - Qatar is projected to attract $2.74 billion in foreign direct investment (FDI) in 2024, with significant contributions from Chinese companies across various sectors [6] Group 5 - Qatar's tourism sector is expected to contribute 55 billion Qatari riyals (approximately $15.1 billion) to the GDP in 2024, marking a 14% increase from 2023, with 5 million international visitors anticipated [7] - HSBC Qatar is exploring various cooperation opportunities with the Hong Kong manufacturing association to support Qatar's economic diversification efforts [7]

取现后，顾经理将钞票逐张清点递到马老手中："您再核对一遍，钱和回单都收好。"提醒马老及时收 卡。顾经理手把手教流程、心贴心解疑惑，马老很快就取好了现金。 业务办理完毕后，马老感慨道："小顾啊，现在的机器太先进了，我们这些老同志跟不上，多亏有你这 样的年轻人愿意耐心帮忙。" 在南通海安中楹桥支行里，客户经理顾景慧总是格外忙碌。在她负责的客户群体中，有不少是退休老干 部，他们曾经在各自的岗位上奉献了大半生，如今虽已离开工作岗位，但依然保持着严谨、细致的生活 习惯。面对这样的特殊客户，顾经理深知，仅仅提供标准的金融服务远远不够，更需要专业的技能、细 致的关怀和持久的耐心。 某月的15日，如往常一样网点领取养老金的老龄客户较多，顾经理也一直在客户等候区询问大家需要办 理的业务情况，引导有能力的客户自助办理，减少客户排队时长，减轻柜面压力。顾经理主动询 问："大家谁使用的智能手机啊，我可以带您自助办理，省得您排队。" 这时候一位退休老干部说："我可以试试吗？就是视力不太好。" 顾经理随即从口袋里掏出老花镜说："马老您别担心，我这儿有眼镜。" 马老又犹豫啦："银行卡塞进去钱出不来怎么办？密码输错了怎么办？." 顾经理笑嘻 ...

近日，跨境支付市场再掀波澜。杭州乒乓智能技术有限公司（下称"PingPong"）宣布相继获得马来西亚货币服务业务（MSB）牌照和阿联酋支付牌照。 PingPong在这两地均为中国首家持有当地支付牌照的第三方支付机构。 此前，Airwallex空中云汇（下称"空中云汇"），连连数字科技股份有限公司（下称"连连数字"）、移卡有限公司（下称"移卡"）等多家支付机构也纷纷传来 获牌"喜讯"，海外支付牌照布局持续加速。 业内分析，海外"持牌"仅是入场券，运营牌照才是核心竞争力。跨境支付机构后续还将在关税壁垒与合规升级的双重压力下负重前行。 PingPong连下两城，扩大全球合规版图 PingPong官网信息显示，获得马来西亚央行批准的MSB牌照后，PingPong将可为当地及全球企业提供合规、便捷的全球支付解决方案，支持林吉特及其他主 流货币的跨境收付。 阿联酋支付牌照生效后，PingPong同样将为当地企业全球展业、以及全球企业进入当地市场提供开户、本地汇款、支付聚合、本地收单、跨境转账等服务， 助力企业开拓人均GDP超5万美元的中东市场。 集团合伙人、亚太区总经理束建琴表示，未来将加大马来西亚牌照与新加坡、印尼牌照 ...