Group 1 - The banking industry is accelerating innovation in the mergers and acquisitions (M&A) financing sector, with several landmark "first" projects being launched as the year-end approaches [1] - Notable examples include Beijing Bank issuing the first digital RMB M&A loan for technology enterprises in Hunan Province and SPD Bank's Suzhou branch completing the first nationwide ABS project for holding-type thermal power real estate [1] - A significant trend observed this year is that multiple banks have hosted a series of high-profile forums and closed-door seminars specifically focused on M&A financing, indicating a shift in the banking sector's strategic focus from individual case operations to systematic ecosystem building and market positioning [1] Group 2 - This strategic shift reflects a deeper and more comprehensive competitive landscape for banks, centered around industrial upgrades and their own transformation [1]

2026年即将到来，在监管要求下ESG 强制信息披露元年大幕正在拉开，而A股银行ESG强信披名单也迎来了扩容。 依据证监会指导沪深北交易所《上市公司自律监管指引——可持续发展报告》，ESG强信披阵营锁定上证180、深证100、科创50、创业板指成分股及境内 外同步上市企业。伴随上证180等指数调整，成都银行、沪农商行两家上市银行新晋入列。 | 银行名称 | 2024年碳排放 总量同比增速 | 范围1同比增速 | 范围2同比增速 | | --- | --- | --- | --- | | 北京银行 | 13.88% | 14.10% | 13.86% | | 南京银行 | 13.23% | -5.25% | 14.49% | | 青岛银行 | 11.92% | 7.86% | 12.05% | | 重庆银行 | 10.96% | 41.05% | 9.23% | | 杭州银行 | 10.02% | 4.04% | 10.34% | | 交通银行 | 9.76% | -2.78% | 10.37% | | 中信银行 | 5.31% | -12.05% | 5.99% | | 招商银行 | 3.10% | 81.9 ...

Core Viewpoint - Beijing Bank has integrated the principle of "people-centered" finance into its operations over the past 30 years, contributing to urban renewal and cultural heritage preservation while enhancing the quality of life for citizens [1][9]. Group 1: Urban Renewal and Cultural Heritage - The development of Beijing Bank over the past 30 years reflects a commitment to balancing cultural heritage preservation with modern urban needs, following the philosophy of "protecting while developing" [2]. - The renovation of the Longfu Temple area serves as a model for urban renewal, where Beijing Bank provided 1.1 billion yuan in syndicated loans to support the project, blending traditional architecture with modern commercial and cultural elements [5]. - The revitalization of Longfu Temple has transformed it into a popular destination for leisure and consumption, enhancing local employment and creating a harmonious coexistence of historical memory and modern life [5]. Group 2: Innovative Financial Solutions - Beijing Bank has introduced innovative financial products such as "cultural heritage credit loans," providing 10 million yuan in comprehensive credit to support the transformation of the Tai'anli cultural and arts center [8]. - The Tai'anli center, which opened in April 2023, exemplifies the concept of "heritage with credit," allowing visitors to engage with history in an immersive environment [8]. Group 3: Commitment to Public Welfare - Over the past three decades, Beijing Bank has actively participated in the systematic protection and innovative transformation of Beijing's cultural heritage, enhancing the sense of gain and happiness among the populace [9]. - The bank's efforts in supporting cultural consumption, small business development, and community infrastructure have solidified its role in promoting public welfare [9][10]. Group 4: Future Outlook - Looking ahead, Beijing Bank aims to continue its commitment to "people-centered" finance, contributing to national strategies and improving the well-being of citizens while pursuing high-quality development [10].

Core Viewpoint - Beijing is balancing cultural heritage preservation with urban functional upgrades, exemplified by the development of Beijing Bank, which aims to empower cultural heritage and improve urban living through innovative financial solutions [1][4]. Group 1: Urban Renewal Projects - The Longfu Temple area, a cultural landmark in Beijing, is undergoing a significant upgrade to blend traditional and modern elements, supported by an 1.1 billion yuan loan from Beijing Bank [2]. - The project aims to preserve the historical essence while introducing modern commercial and cultural activities, creating a vibrant space for both residents and visitors [2]. - This model of "developing while protecting" serves as a reference for urban renewal in Beijing, aligning with the principle of "People's city built by the people, for the people" [2]. Group 2: Cultural Heritage Financing - The Tai'anli area, a historical site, faced challenges in preservation and activation, leading to the establishment of a cultural arts center with a 10 million yuan credit facility from Beijing Bank [3]. - This initiative reflects Beijing Bank's innovative approach to financing cultural heritage, promoting the concept of "cultural relics having credit" [3]. - The Tai'anli Cultural Arts Center has transformed into a multifaceted space for social interaction, creativity, and cultural experiences, allowing visitors to engage with history in an immersive way [3]. Group 3: Beijing Bank's Role in Cultural Development - Over the past 30 years, Beijing Bank has actively participated in the protection and sustainable development of Beijing's cultural heritage, providing financial services for various urban renewal projects [4]. - The bank's efforts include supporting cultural consumption, small business development, and community infrastructure, enhancing the quality of life for residents [4]. - The ongoing projects at Longfu Temple and Tai'anli illustrate Beijing Bank's commitment to integrating financial services with the city's cultural and economic growth [4].

登录新浪财经APP 搜索【信披】查看更多考评等级 公司及董事会全体成员保证信息披露的内容真实、准确、完整，没有虚假记载、误导性陈述或重大遗 漏。 深圳市赛格地产投资股份有限公司（以下简称"赛格地产"）系深圳赛格股份有限公司（以下简称"公 司"）持股比例79.02%的控股子公司。惠州市群星房地产开发有限公司（以下简称"惠州群星"）系赛格 地产持股比例88%的控股子公司，惠州群星以自有资产抵押向北京银行股份有限公司深圳分行（以下简 称"北京银行"）申请人民币1.5亿元综合授信额度的贷款，按照银行的相关要求，赛格地产与北京银行 签署《保证合同》，赛格地产作为保证人对惠州群星上述1.5亿元综合授信额度的贷款提供连带责任保 证担保，保证期限为债务合同下被担保债务的履行期届满之日起两年，惠州群星向赛格地产提供反担 保。详见公司于2018年12月6日在巨潮资讯网上披露的《关于控股子公司深圳市赛格地产投资股份有限 公司为其控股子公司向银行申请综合授信提供担保的公告》（公告编号：2018-087）。 惠州群星因外部经营环境压力、金融机构授信政策收紧等因素影响导致资金紧张，未能按期向北京银行 支付到期借款本金及利息，赛格地产已向 ...

对于广大群众关心的逾期信息何时调整的问题，中国人民银行征信中心主任张子红回应称，征信系 统将根据个人逾期债务的结清时间，分两种情形进行处理。第一种情形是，个人已经于2025年11月30日 （含）前足额偿还逾期债务的，征信系统自2026年1月1日起就不予展示相关逾期信息。第二种情形是， 个人于2025年12月1日至2026年3月31日之间足额偿还逾期债务的，征信系统于次月月底前不予展示相关 逾期信息。比如，个人在2026年1月还清欠款的，相关逾期信息在2月底前即可展示为正常还款状态。 为配合做好一次性信用修复政策的落地工作，多家银行已经开展了相关准备。中国工商银行副行长 赵桂德介绍，工行组织对全行网上银行、手机银行和网点智能设备的信用报告查询功能进行全面"体 检"，确保查询功能正常，能够及时响应客户查询本人信用报告的需求。同时，加强征信数据报送管 理，将客户还款信息及时、准确、完整地提供给征信系统，确保符合条件的客户能享受政策利好。此 外，关注政策实施后客户风险表现，持续做好信用评分模型及相关指标有效性的监测，及时动态完善风 控模型，优化风控策略。 早在今年10月份，中国人民银行行长潘功胜在2025金融街论坛年 ...

Core Viewpoint - Under the low interest rate environment, listed banks are increasingly motivated to redeem existing "high-yield" preferred shares to save on interest costs [1] Group 1: Bank Actions - Changsha Bank announced it will redeem 6 billion yuan of its preferred shares "Changyin You 1" on December 25 and terminate its listing [1] - In December alone, five banks, including Changsha Bank, Beijing Bank, Shanghai Bank, Hangzhou Bank, and Nanjing Bank, have announced the redemption of preferred shares, totaling 45.8 billion yuan [1] - Including previous redemptions by Industrial and Commercial Bank of China, Bank of China, Industrial Bank, and Ningbo Bank, the number of banks redeeming preferred shares since 2025 has increased to nine [1] Group 2: Market Trends - Since 2020, the issuance of new preferred shares by banks has nearly stagnated, indicating a shift in capital management strategies [1] - The accelerated redemption and delisting of existing preferred shares have led to a significant reduction in their outstanding volume [1] - The willingness of commercial banks to redeem preferred shares to optimize their capital structure has been continuously reinforced [1] - Asset management institutions view the scarcity of bank preferred shares as increasingly prominent [1]

证券时报记者谢忠翔 低利率环境下，上市银行赎回存量"高息"优先股以节省付息成本的动力愈发增强。近日，长沙银行公告 称，将于12月25日赎回60亿元优先股"长银优1"，并终止挂牌。 证券时报记者注意到，12月以来，包括长沙银行在内，已有北京银行、上海银行、杭州银行和南京银行 等5家银行先后宣布对旗下优先股进行赎回，合计规模达458亿元。若加上此前的工商银行、中国银行、 兴业银行和宁波银行，2025年以来赎回优先股的银行数量已增加至9家。 多位研究人士表示，优先股作为银行资本工具，自2020年以后银行对其新发已几乎停滞。同时，伴随着 存量银行优先股的加速赎回并退市，存量规模愈发减少。近年来，商业银行为优化资本结构，赎回优先 股的意愿更是不断强化。在资管机构看来，银行优先股的配置稀缺性也进一步凸显。 9家银行年内赎回超1000亿 12月19日，长沙银行公告显示，该行于2019年12月非公开发行的60亿元优先股"长银优1"，将于2025年 12月25日派发优先股息后全部赎回，并终止挂牌。 据证券时报记者统计，今年以来已有2家国有大行、1家股份行和6家城商行对优先股进行赎回，包括境 内优先股7期共1118亿元、2期境外 ...

足额还清逾期债务是适用于一次性信用修复政策的前提，对于客户在向银行还款时需要注意的事项，戴炜介绍，按照《征信业管理条例》及有关规定，金融 机构需要及时、准确、完整地向征信系统报送个人的信贷信息。一次性信用修复政策发布实施后，北京银行将继续做好信贷信息报送工作，及时准确反映个 人贷款偿还情况，为征信系统准确识别和处理符合条件的逾期信息提供数据基础。 同时，为了保障个人顺利享受政策，戴炜从偿还金融机构贷款的角度提出了三点建议。 第一点是做好偿还金额的确认。个人在偿还欠款时一定要与金融机构进行金额确认，以免少还漏还，错过政策。 戴炜称，站在金融机构的角度，足额偿还逾期债务，是指借款人足额偿还了历史逾期欠款并按时偿还当月应还款。他以每月10日还款1000元的等额本息贷款 举例，若截至2025年12月31日尚有2000元逾期欠款，则借款人需要在2026年的1月10日前同时结清往期欠款2000元，以及当月应还款1000元，合计3000元。 "当然，这只是简要举例，实践中要具体考虑借款利息、逾期罚息等其他费用的因素，确定最终应偿还的金额。"戴炜说。 第二点是做好还款状态的确认。戴炜表示，由于实际操作中可能出现因第三方互联网 ...

12月22日，中国人民银行发布关于实施一次性信用修复政策有关安排的通知，并在中国人民银行总行大 楼举行新闻发布会介绍有关情况。中国人民银行副行长邹澜、中国工商银行副行长赵桂德、中国人民银 行征信管理局局长任咏梅、中国人民银行征信中心主任张子红、北京银行行长戴炜出席新闻发布会。 戴炜介绍，按照《征信业管理条例》及有关规定，金融机构需要及时、准确、完整地向征信系统报送个 人的信贷信息。一次性信用修复政策发布实施后，将继续做好信贷信息报送工作，及时准确反映个人贷 款偿还情况，为征信系统准确识别和处理符合条件的逾期信息提供数据基础。 21世纪经济报道记者 唐婧 北京报道 第二点是做好还款状态的确认。由于实际操作中可能出现因第三方互联网平台划扣延迟，银行卡账户状 态异常等导致金融机构未能收到还款的情形，个人在规定时间内足额偿还逾期贷款后，可以主动向金融 机构或第三方互联网平台确认是否偿还成功，避免因意外的情形影响政策的适用。 第三点是谨防非法中介的骗局。大家在偿还贷款时，如果遇到暂时的资金困难，可以提前主动联系贷款 机构，按照市场化、法治化原则商定解决方案，调整还款安排，对市场上资金来源不明的非法中介，大 家一定不要轻 ...