Core Viewpoint - Construction Bank's mid-year performance shows positive growth in both operating income and pre-provision profit, driven by strategic measures to enhance financial supply and risk management [1][5]. Group 1: Financial Performance - Non-interest income reached 107.56 billion yuan, an increase of 17.66 billion yuan, or 19.64%, year-on-year, accounting for 27.28% of total operating income [5]. - The net interest margin for the first half was 1.40%, down 0.14 percentage points from the same period last year, with expectations for a gradual narrowing of the decline in future quarters [3]. - Average annual cost rate of deposits decreased by 32 basis points compared to the same period last year, indicating effective cost management [3]. Group 2: Strategic Measures - The bank implemented four key measures: enhancing balanced development capabilities, accelerating the cultivation of new growth drivers, improving comprehensive cost management, and solidifying risk control foundations [1]. - The bank is focusing on optimizing asset allocation by controlling low-yield assets and increasing investments in higher-yield loans and bonds [3]. Group 3: Loan Growth and Market Strategy - The introduction of personal consumption loan interest subsidy policies is expected to lower borrowing costs and stimulate growth in personal and service industry loans [4]. - Infrastructure-related loans grew faster than the average for corporate loans, with a 0.23 percentage point increase year-on-year, supported by national key projects and special bond usage [4]. - The bank's second-hand housing loan issuance ranked first in the industry, with a year-on-year increase of over 20%, contributing significantly to overall loan growth [6].

"我们通过'专项政策+专属产品+专人服务'三专模式，构建了从项目准入到服务落地的全流程保障机 制。"建行福州片区分行住房金融部负责人介绍，项目申购启动后，该行在优化业务流程、提升审批质 效的同时，组建"安居金融服务专班"进驻现场，为购房者提供从政策咨询到贷款办理的一站式服务，让 购房者共享精准直达的配售型保障性住房金融服务。 转自：新华财经 作为国家"三大工程"重要战略部署之一，配售型保障性住房建设是破解居民住房难题、推进新型城镇化 建设的关键举措。建行福州片区分行积极响应政策号召，主动对接福州市住房和城乡建设局及福州市首 个配售型保障性住房项目"双龙新居"项目建设单位福州市安居工程建设有限公司，积极参与配售型保障 性住房配售政策及购房合同制定全流程工作。 "双龙新居"项目采取"保本微利"的原则，以国企"好房子"的标准打造，规划建设保障房701套，是一项 改善民生福祉的惠民工程，项目主体结构已全面封顶，预计于2026年建成，带装修交付。截至目前，项 目累计申购登记家庭已超800组，今年1月份项目完成首开，至今已累计完成四批次选房，为群众解决实 实在在的住房问题。 "从申请到放款仅用7个工作日，没想到这么快圆了 ...