戴炜提醒，谨防非法中介的骗局，用户在偿还贷款时，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， 大家一定不要轻信，避免受其虚假宣传误导，造成财产损失、个人信息泄露，甚至卷入"骗贷"等违法案 件。 针对客户在向银行还款时有哪些需要注意的事项这一问题，北京银行行长戴炜表示，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，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。 戴炜指出，还要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。 北京商报讯（记者 廖蒙）12月22日，人民银行举行一次性信用修复政策有关情况新闻发布会。 ...

Group 1 - The company announced the use of temporarily idle raised funds amounting to 600 million yuan to purchase structured deposits from Huaxia Bank and Beijing Bank [1] - The structured deposits have varying maturities of 75 days, 89 days, and 188 days [1] - As of the date of the announcement, the company has not recovered a principal balance of 1.45 billion yuan over the last 12 months [1]

Core Viewpoint - The issuance of technology innovation bonds (科创债) by banks has significantly increased, with a total issuance scale reaching 301.4 billion yuan as of December 18, indicating a strong market response to the regulatory support initiated in May 2023 [3][14]. Issuance Scale - A total of 67 banks have issued 75 technology innovation bonds, with the largest share coming from state-owned banks, which account for 38.16% of the total issuance [3][15]. - The six major state-owned banks have collectively issued bonds worth 115 billion yuan, while city commercial banks and rural commercial banks have also become significant players, with issuance scales of 74.9 billion yuan and 15 billion yuan respectively [4][17]. Interest Rates - The interest rates for technology innovation bonds vary, with state-owned banks offering rates between 1.65% and 1.81%, while city and rural commercial banks have higher rates ranging from 1.67% to 2.07% [7][21]. - Notably, some city and rural commercial banks have rates exceeding 1.8%, indicating a competitive pricing environment [3][18]. Maturity Periods - The majority of the issued bonds have a maturity period concentrated around 5 years, which accounts for over 70% of the total, followed by 3-year bonds at over 20% [11][22]. - This maturity structure is designed to meet the medium to long-term funding needs of technology enterprises for research and development, as well as for project implementation [22]. Funding Allocation - The funds raised through these bonds are primarily directed towards technology innovation sectors, including the issuance of loans for technology projects and investments in innovative enterprises [6][17].

12月19日，国家金融监督管理总局浙江监管局网站发布关于浙江文成北银村镇银行变更股权的批复，同 意北京银行股份有限公司受让北京恒观商贸有限责任公司持有的该行522.5万股股份，受让浙江东海石 油实业有限公司持有的该行522.5万股股份，受让杭州兴惠纺织有限公司持有的该行418万股股份，受让 青田县名典鞋业有限公司持有的该行418万股股份，受让杭州绿都医疗器械有限公司持有的该行418万股 股份，受让四川庞度环保科技有限公司持有的该行418万股股份，受让武汉浙南管桩有限公司持有的该 行418万股股份，受让后，北京银行股份有限公司合计持有该行5225万股股份，持股比例为100%。 ...

Core Viewpoint - The issuance of technology innovation bonds by banks has significantly increased since the announcement by the central bank and the China Securities Regulatory Commission on May 7, with a total issuance scale reaching 301.4 billion yuan by December 18, 2023 [1][2]. Issuance Scale - A total of 67 banks have issued 75 technology innovation bonds, with state-owned banks being the primary issuers, accounting for 38.16% of the total issuance [1][3]. - The six major state-owned banks have collectively issued bonds worth 115 billion yuan, while city commercial banks and rural commercial banks have issued 74.9 billion yuan and 15 billion yuan, respectively [1][5]. - The issuance period is mainly concentrated in 5-year bonds, followed by 3-year bonds, with a small number of 6-month and 7-year bonds [1][9]. Interest Rates - The interest rates for the issued bonds range from 1.67% to 2.07%, with state-owned banks having slightly lower rates between 1.65% and 1.81% [1][7]. - City commercial banks and rural commercial banks have higher rates, with many exceeding 1.8% [1][9]. - The policy banks have rates of 1.4% for the National Development Bank and 1.65% for the Agricultural Development Bank [1][7]. Fund Allocation - The funds raised from technology innovation bonds are directed towards technology innovation sectors, including issuing loans for technology and investing in technology innovation enterprises [6].

Group 1 - The core viewpoint of the articles indicates that since 2025, there has been an accelerated redemption of bank preferred shares, with several banks announcing their plans to redeem these shares, leading to a shrinking market for preferred stocks, particularly in the banking sector [1][4][7] - As of December 18, 2023, a total of 55 preferred shares have been issued, raising a total of 906.55 billion yuan, with bank preferred shares accounting for 35 of these, totaling 839.15 billion yuan [1][4] - The redemption trend is primarily driven by banks seeking to optimize financing costs, with significant redemptions occurring this year compared to only two last year [4][7] Group 2 - The preferred shares are a major component of bank wealth management products, with over 90% of equity investments in these products being allocated to preferred shares [2][10] - Due to the shrinking market for preferred shares, wealth management products are now looking for alternative investment options, as the supply of preferred shares diminishes [3][10] - The issuance of perpetual bonds has surged, with 69 perpetual bonds issued this year, totaling 821.8 billion yuan, indicating a shift in capital-raising strategies among banks [8][12] Group 3 - The redemption of preferred shares must comply with capital adequacy requirements, necessitating prior approval from regulatory authorities to ensure banks maintain sufficient capital levels [8] - The fixed and floating interest rates of preferred shares are subject to adjustments, with some banks reducing their dividend rates in response to changing market conditions [7] - The overall market for equity assets in bank wealth management has been declining, with the proportion of equity assets dropping from 4.8% in 2020 to around 2% by the end of 2023 [10][11]

Core Viewpoint - The wealth management sector is positioned to play a dual role, supporting both individual households in asset preservation and growth, and contributing to national economic strategies through the allocation of idle funds to support technological innovation and industrial upgrades [1]. Group 1: Wealth Management Strategy - The Central Committee's proposal emphasizes increasing property income for urban and rural residents, indicating a strategic opportunity for wealth management [1]. - Beijing Bank plans to explore new paths in wealth management focusing on three main directions: integrated development, digital intelligence in finance, and ecological empowerment [1]. Group 2: Integrated Development - The bank aims to promote deep integration among wealth finance, talent finance, and specialized finance, enhancing mutual benefits and synergies [1]. - Future efforts will focus on providing comprehensive financial services to specialized enterprises and R&D talents, while also addressing the financial needs of wealth clients [1]. Group 3: Digital Intelligence in Finance - Beijing Bank is committed to digital intelligence as a primary driver for high-quality development, establishing a unified data foundation, financial operating system, and risk control platform [2]. - The bank intends to leverage artificial intelligence to update its thinking, tools, and capabilities, creating an AI-driven commercial banking model [2]. Group 4: Ecological Empowerment - The bank seeks to foster a friendly relationship among enterprises, entrepreneurs, and financial institutions, enhancing ecological cooperation [3].

Core Viewpoint - The chairman of Beijing Bank, Huo Xuewen, emphasizes the importance of financial education for children as a means to combat illegal fundraising targeting the elderly, suggesting that instilling financial awareness in the younger generation can effectively protect the financial interests of the older population [1] Group 1: Children's Financial Education - Beijing Bank has established the first child-friendly bank in the country, focusing on enhancing children's financial literacy, traditional cultural education, and social skills [1] - The bank has served 2.6 million children, helping them manage over 20 billion yuan in their New Year's money [1] Group 2: Combating Illegal Fundraising - Huo Xuewen notes that convincing elderly individuals not to invest in illegal schemes is challenging, but advice from grandchildren is particularly effective in dissuading them [1] - The strategy of fostering financial awareness in the next generation is viewed as a foundational step for the long-term development of the country [1] Group 3: Financial Management and Investment - The bank aims to cultivate a generation of financially savvy children who can manage money, invest wisely, and potentially produce future financial leaders akin to Warren Buffett [1]

Core Viewpoint - The 2026 Financial Annual Conference and 2025 Global Wealth Management Forum will be held in Beijing from December 18-20, 2025, focusing on children's financial education and the importance of nurturing financial literacy among the younger generation [1][4]. Group 1: Children's Financial Education - Beijing Bank has established the first child-friendly bank in China, emphasizing financial literacy, traditional cultural education, and social education for children [1][4]. - The bank has served 2.6 million children and helped them manage over 20 billion yuan in their New Year's money [1][4]. Group 2: Addressing Illegal Fundraising - The chairman of Beijing Bank highlighted the challenge of persuading elderly individuals against investing in illegal fundraising schemes, noting that advice from grandchildren is more effective than that from their children [1][4]. - The cultivation of financial awareness in the next generation is seen as a crucial strategy for managing public finances and combating illegal fundraising [1][4]. Group 3: Long-term Development - The bank aims to nurture a generation of financially savvy children who can manage money, invest, and potentially produce future financial leaders like Warren Buffett, which is essential for the country's long-term development [1][4].

Core Viewpoint - Beijing Bank (601169) announced a temporary suspension of its large and small payment systems due to internal system upgrades, which will affect cross-bank receipt services during the downtime [1] Group 1: Announcement Details - The suspension will occur on December 17, 2025, from 03:00 to 03:30 [1] - During the downtime, cross-bank payment services will still be available through personal mobile banking and online banking features [1] - Customers are advised to make necessary arrangements for their fund usage in advance [1]