邮储银行百亿入局 AIC将集齐"六大行" 继三家股份行获准筹建金融资产投资公司(即"AIC")后，又一大行将携百亿资金入局——邮储银行拟出 资100亿元发起设立中邮金融资产投资有限公司(暂定名，以下简称"中邮投资")，相关事项目前正待监 管部门核准。 这一举动不仅有望实现国有六大行在AIC领域的全体"集结"，更将推动银行系AIC市场形成"国有大行全 阵容+股份行新势力"的竞争新格局。随着行业布局深化，银行系AIC行业发展路径又将呈现怎样的新特 征？ 又一国有大行展开布局 国有大行有望在AIC领域迎来"总动员"。7月16日晚间，邮储银行发布公告称，该行拟出资人民币100亿 元，全资发起设立中邮投资，并将其作为全资一级子公司管理，具体业务范围以有关监管机构批复为 准。公告显示，中邮投资将严格遵循各项法律法规及监管规定，建立完善的公司治理结构，在做好风险 管理基础上开展各项业务。 邮储银行表示，此次设立AIC是响应国家号召、服务科技强国建设的重要举措，有利于邮储银行提升综 合服务能力，做好金融"五篇大文章"，打造科技金融生力军，进一步发挥对科技创新和民营企业的支持 作用，助力新质生产力发展，更好服务实体经济。 对于 ...

第三家股份制银行金融资产投资有限公司（以下简称"AIC"）获批筹建。 7月3日，招商银行发布公告称，该行已收到国家金融监督管理总局的批复，获准筹建招银金融资产 投资有限公司。该公司注册资本为人民币150亿元，为招商银行全资子公司。 "股份制银行新设AIC的核心落脚点在于加大对科技企业的股权投资支持力度。"中国邮政储蓄银行 研究员娄飞鹏在接受《金融时报》记者采访时表示，这将有助于股份制银行专业化开展市场化债转股及 股权投资试点业务，为企业提供全方位、多层次的融资支持，进一步提升银行综合化经营能力，全面推 动高质量发展。 已有三家股份制银行获批筹建AIC 此前，兴业银行、中信银行、招商银行3家股份制银行发布公告称，分别拟出资100亿元、150亿 元、100亿元设立AIC，提升服务实体经济能力。 随后，上述3家股份制银行相继收到监管部门批复。 5月7日，国家金融监督管理总局批复，同意兴业银行筹建兴银金融资产投资有限公司（名称暂 定）。据兴业银行披露，该公司注册资本为人民币100亿元，为该行全资子公司。 6月3日，中信银行发布公告称，该行收到国家金融监督管理总局批复，同意中信银行筹建信银金融 资产投资有限公司（名称暂 ...

5月7日，国家金融监督管理总局局长李云泽在国新办新闻发布会上表示："支持符合条件的全国性 商业银行设立金融资产投资公司（AIC），近日即将陆续批复。今天我们就会批复一家，推动加大对科 创企业的投资力度。" 当日，国家金融监督管理总局发布《关于筹建兴银金融资产投资有限公司的批复》，同意兴业银行 筹建兴银金融资产投资有限公司（名称暂定）。 国家金融监督管理总局进一步表示，该行应严格按照有关法律法规要求办理筹建事宜，自批复之日 起6个月内完成筹建工作。筹建工作接受国家金融监督管理总局的监督指导。筹建期间不得从事金融业 务活动。筹建工作完成后，应按照有关规定和程序向国家金融监督管理总局提出开业申请。 今年3月5日，国家金融监督管理总局发布《关于进一步扩大金融资产投资公司股权投资试点的通 知》，支持符合条件的商业银行发起设立AIC。 此次兴业银行筹建AIC获批，意味着全国性股份制银行正式加入AIC阵容。目前全国共有五家 AIC，均成立于2017年，且均为5家国有大行旗下全资子公司，分别为工银金融资产投资有限公司、农 银金融资产投资有限公司、中银金融资产投资有限公司、建信金融资产投资有限公司、交银金融资产投 资有限公司。 ...

业内人士表示，随着全国性股份制银行的加入，AIC或将成为银行参与科技金融和股权市场的重要 途径之一，这也有利于银行业高质量发展。 新增2家申请设立AIC 今年3月5日，国家金融监督管理总局发布《关于进一步扩大金融资产投资公司股权投资试点的通 知》明确，支持符合条件的商业银行发起设立AIC。 5月7日，国家金融监督管理总局局长李云泽在国新办新闻发布会上表示，支持符合条件的全国性商 业银行设立AIC，近日即将陆续批复。当天，兴业银行筹建AIC获批，这也是首家全国性股份制银行 AIC获批。 银行系AIC（金融资产投资公司）队伍正加速扩容。继5月7日国家金融监督管理总局发布《关于筹 建兴银金融资产投资有限公司的批复》，同意兴业银行筹建兴银金融资产投资有限公司（名称暂定） 后，5月8日，中信银行、招商银行均发布了有关出资设立AIC的公告。 2020年，原中国银行保险监督管理委员会陆续批准5家AIC通过其附属机构，在上海开展不以债转 股为目的的股权投资。2024年9月24日，国家金融监督管理总局发布相关政策，明确将AIC股权投资试 点范围由上海扩大至北京、天津、重庆、南京等18个大中型城市，同时放宽股权投资金额和比例限制 ...

继3家股份制银行获准筹建金融资产投资公司（以下简称"AIC"）之后，又一国有大型银行将携百亿元 资金入局。这意味着AIC将集齐"六大行"。 7月16日，邮储银行（601658）发布公告称，该行拟以自有资金出资人民币100亿元，作为投资主体发起 设立中邮金融资产投资有限公司。 "商业银行设立AIC，可以推进二者的合作，从而更好地发挥股权投资和债权投资各自的优势，进一步 解决投贷联动业务的风险分担不匹配、利益分配不均衡等堵点难点问题，促进更多信贷资金流入科技创 新领域。"青岛银行（002948）首席经济学家刘晓曙在接受《金融时报》记者采访时表示。 AIC将集齐"六大行" 对于设立AIC，邮储银行表示，本次投资是邮储银行响应国家号召、服务科技强国建设的重要举措，有 利于该行提升综合服务能力，做好金融"五篇大文章"，打造科技金融生力军，进一步发挥对科技创新和 民营企业的支持作用，助力新质生产力发展，更好服务实体经济。 值得一提的是，2025年以来，已有兴业银行、中信银行、招商银行3家银行获批筹建AIC。 值得关注的是，近年来，随着我国经济结构调整和转型升级，科技创新成为推动经济高质量发展的关键 发力点，AIC的职能也 ...

Core Viewpoint - Postal Savings Bank of China plans to establish a financial asset investment company with a capital of RMB 10 billion, responding to national calls and supporting the construction of a technology-driven economy [2][6]. Group 1: Company Initiatives - The establishment of the investment company, named China Post Investment, will be managed as a wholly-owned first-level subsidiary of Postal Savings Bank [2][6]. - This investment is part of a broader trend where financial asset investment companies (AICs) are expanding, with three other banks receiving approval to establish AICs in 2025 [2][5]. Group 2: Industry Context - AICs are an innovative product of China's financial system reform, with five existing AICs established by major state-owned banks since 2017, primarily to manage non-performing assets [4]. - Recent regulatory changes have expanded the scope for AICs, allowing more national commercial banks to establish their own AICs and increasing investment in strategic emerging industries and infrastructure [5][6].

Core Viewpoint - Postal Savings Bank of China plans to establish a financial asset investment company (AIC) with an investment of 10 billion RMB, marking the sixth AIC under a state-owned bank, thus completing the AIC licensing for all six major state-owned banks [1][2][3]. Group 1: Establishment of AIC - The establishment of the AIC is part of a broader regulatory initiative to expand the AIC framework, allowing eligible commercial banks to set up their own AICs [2][6]. - The proposed AIC, named "China Post Financial Asset Investment Co.," will have a registered capital of 10 billion RMB and will be a wholly-owned subsidiary of Postal Savings Bank [3][4]. - The investment requires approval from relevant regulatory authorities and will not significantly impact the bank's financial status or operating results [4][5]. Group 2: Policy Support and Market Context - The AICs were initially created to address non-performing loans and have evolved to include equity investment activities, supported by recent policy changes [6][7]. - Recent government initiatives have expanded the scope of AICs, allowing them to engage in equity investments and support technology-driven enterprises [7][8]. - The total signed intention amount for AIC equity investment pilot programs has exceeded 380 billion RMB, indicating strong market interest and potential growth [7]. Group 3: Strategic Implications for Banks - The establishment of AICs is expected to enhance banks' capabilities in supporting technology and innovation, addressing the mismatch between investment risks and returns in tech sectors [8][9]. - AICs can leverage their financial licenses to invest in non-listed companies, thus broadening the banks' business scope and providing new profit growth avenues amid narrowing margins in traditional lending [9][10]. - The collaboration between AICs and state-owned banks is anticipated to create a multiplier effect on financial resources, significantly boosting support for technology enterprises [9][10].

Group 1 - Postal Savings Bank of China plans to establish a wholly-owned subsidiary, China Postal Investment, with a registered capital of 10 billion yuan [2] - The investment will be funded by the bank's own resources and will not significantly impact its financial status or operating results [2] - The establishment of the investment company is part of the bank's initiative to support national goals and enhance its service capabilities in technology finance [2] Group 2 - As of the end of Q1 this year, Postal Savings Bank's total assets grew by 8.31% year-on-year, with total loans increasing by 9.78% [3] - The bank's corporate loans saw a year-on-year growth of 15.17%, leading among state-owned banks [3] - The bank has increased its support for private enterprises, with private enterprise loans accounting for over 28% of its total loans [3] Group 3 - In 2017, there were five commercial banks with AIC companies, and no new AIC companies were approved for several years [4] - This year, three banks have been approved to establish AIC companies, including Industrial Bank, CITIC Bank, and China Merchants Bank, with registered capitals of 10 billion yuan and 15 billion yuan respectively [4] - The expansion of AIC companies is expected to enhance the development of technology finance and improve the efficiency of financial resource allocation [4]

Core Viewpoint - Postal Savings Bank of China plans to establish a wholly-owned subsidiary, China Postal Investment, with a registered capital of 10 billion yuan, aimed at enhancing its comprehensive service capabilities and supporting technological innovation and private enterprises [1][3]. Group 1: Company Announcement - Postal Savings Bank announced the establishment of China Postal Investment with a registered capital of 10 billion yuan, funded by the bank's own resources, which will not significantly impact its financial status or operating results [3]. - The investment was approved by the bank's board of directors and does not require shareholder meeting approval, but it must obtain regulatory approval [3]. - The establishment of the investment company is part of the bank's response to national calls and aims to support the construction of a technology-driven economy [3]. Group 2: Industry Context - The establishment of China Postal Investment marks the addition of a new member to the state-owned bank AIC companies after an 8-year hiatus, with all six major state-owned banks expected to have AIC companies once regulatory approval is obtained [3][6]. - In 2023, three banks have been approved to establish AIC companies, including Industrial Bank, CITIC Bank, and China Merchants Bank, indicating a trend of expansion in the AIC sector [6]. - The expansion of AIC companies is seen as beneficial for promoting technological finance development and enhancing banks' comprehensive operational capabilities [7].

Group 1 - China Merchants Bank has received approval to establish a wholly-owned subsidiary, China Merchants Financial Asset Investment Co., Ltd. (招银金投), with a registered capital of 15 billion RMB [2] - The establishment of 招银金投 is part of China Merchants Bank's initiative to align with national development goals and enhance its comprehensive operational capabilities [2] - 招银金投 is the third commercial bank in 2023 to be approved for setting up an Asset Investment Company (AIC), following Industrial Bank and CITIC Bank [2][3] Group 2 - The regulatory authorities are actively promoting the expansion of AICs, with recent notifications allowing the pilot program for equity investments to extend beyond Shanghai to 18 cities, including Beijing and Tianjin [5] - The total signed investment intention amount for AIC equity investments has surpassed 380 billion RMB, indicating strong market interest [5] - Analysts believe that the expansion of AICs will enhance the development of technology finance and improve the efficiency of financial resource allocation [6]