Group 1 - China Construction Bank has applied for a patent titled "Method and Device for Sending Transaction Impact Reports" with publication number CN 119741123 A, filed on December 2024 [1] - The patent aims to improve operational efficiency by preventing the repeated sending of transaction impact reports, which is based on historical transaction data [1] - The method includes comparing current transaction impact reports with previously sent reports to determine if they are duplicates, and if not, checks if they are subject to any business rules before sending [1] Group 2 - China Construction Bank was established in 2004 and is primarily engaged in monetary financial services, with a registered capital of approximately 25 billion RMB [2] - The bank has made investments in 49 companies and participated in around 5000 bidding projects, holding 1873 trademark records and 5000 patent records [2] - Additionally, the bank possesses 147 administrative licenses [2]

Group 1 - China Construction Bank Corporation has applied for a patent titled "A Payment System Switching Method and Device," with publication number CN 119741008 A, and the application date is November 2024 [1] - The patent describes a method that allows for the switching of payment systems without affecting real-time transactions, enhancing the real-time nature and security of transaction requests during the switching process [1] - The method involves routing multiple non-accounting requests to original and target transaction components, and upon meeting certain performance evaluation thresholds, it facilitates the smooth transition between these components [1] Group 2 - China Construction Bank Corporation was established in 2004 and is located in Beijing, primarily engaged in monetary financial services [2] - The company has a registered capital of approximately 25 billion RMB and a paid-in capital of about 19.42 billion RMB [2] - The bank has made investments in 49 enterprises, participated in 5,000 bidding projects, and holds 1,873 trademark records and 5,000 patent records, along with 147 administrative licenses [2]

金融界2025年4月2日消息，国家知识产权局信息显示，中国建设银行股份有限公司申请一项名为"对账 数据处理方法、装置、电子设备及存储介质"的专利，公开号CN 119740038 A，申请日期为2024年11 月。 来源：金融界 专利摘要显示，本申请提供一种对账数据处理方法、装置、电子设备及存储介质，涉及对账数据处理技 术领域，方法包括：响应于接收到的交易流水数据，获取交易流水数据的交易流水信息，依据交易流水 信息确定交易流水数据的对账类别及对账标识信息；基于对账类别调用对应的目标对账模板，基于交易 流水数据及目标对账模板生成交易流水数据的对账信息，并将交易流水数据的对账信息写入对账类别对 应的对账信息表，对账信息表包括具有相同对账类别的不同对账信息；响应于对账数据发送指令，从所 有对账信息表中获取具有相同对账标识信息的对账信息，将获取到的所有对账信息发送至当前对账标识 信息所对应的目标对账平台。本申请有效提高了对账数据的处理效率。 天眼查资料显示，中国建设银行股份有限公司，成立于2004年，位于北京市，是一家以从事货币金融服 务为主的企业。企业注册资本25001097.7486万人民币，实缴资本1942302 ...

Core Insights - Construction Bank's Daqing branch launched the "Shan Ke Loan" product, which successfully disbursed 5.8 million yuan in loans on its first day, providing financial support for technology-based enterprises [1] - The "Shan Ke Loan" is designed to cater specifically to innovative companies by using the number of researchers instead of fixed asset evaluations, allowing intellectual property value to replace collateral, and assessing development potential based on technology conversion capabilities [1] - The launch of "Shan Ke Loan" resulted from a collaborative effort between the bank, local government, and educational institutions, addressing the needs of technology companies for faster financing processes [1][2] Group 1 - The "Shan Ke Loan" product aims to provide tailored financial solutions for technology enterprises, likened to having a "dedicated nutritionist" for innovation [1] - The loan product allows companies to secure credit based on their patent achievements, significantly simplifying the loan application process [1] - The Daqing branch of Construction Bank plans to enhance its "technology + finance + talent" service model in collaboration with Northeast Petroleum University to support the growth of technology enterprises [2]

Group 1 - The core focus of the Construction Bank's Suifenhe branch is to serve small and micro enterprises, enhancing their development through improved settlement services [1] - Since the beginning of the year, the bank has added over 600 small and micro enterprise clients, implementing a green channel for account opening at 16 branches to expedite the process [1] - The bank provides full guidance for new small and micro enterprises during the account opening process, utilizing a combination of online and offline methods to streamline the experience [1][2] Group 2 - The Suifenhe branch has transitioned to a digital and intelligent service model, allowing 24/7 access to banking services through online platforms, thus improving operational efficiency [2] - The bank has developed a comprehensive settlement product system to address the frequent transaction needs of small and micro enterprises, ensuring quick fund transfers and effective risk management [3] - The bank completed account opening for a chain pharmacy and its 17 subsidiaries in just 2 days, showcasing its efficiency in providing merchant settlement and fund management services [3] Group 3 - The bank is leveraging big data analysis to enhance financial services for small and micro enterprises, having provided over 600 million yuan in credit and more than 400 million yuan in loans to over 860 businesses this year [4] - Future plans include using transaction data to offer precise credit support, thereby facilitating easier and more efficient financing channels for quality small and micro enterprises [4]

3月28日，建设银行在北京、香港两地召开2024年度业绩发布会。建设银行行长张毅、副行长纪志宏、党委委员韩静、首席财务官生柳荣、信贷管理部总经 理黄建锋出席北京发布会，建设银行副行长李建江、首席信息官金磐石、财务会计部总经理刘方根出席香港发布会。 建设银行2024年度业绩发布会北京会场建设银行供图 建设银行2024年度业绩发布会香港会场建设银行供图 2024年，建设银行发展质量持续提升，经营业绩表现稳健，高质量发展迈出坚实步伐。截至2024年末，建设银行集团资产总额40.57万亿元，较上年末增长 5.86%；负债总额37.23万亿元，实现净利润3362.82亿元，增幅1.15%；不良贷款率1.34%，较上年末下降0.03个百分点。 张毅表示，2025年，建设银行将持续不断增强服务国家建设能力、防范金融风险能力、参与国际竞争能力，聚焦主责主业、优化金融服务、守牢风险底线， 确保关键指标均衡协调可持续，全面提升价值创造力和市场竞争力。 做深做实金融"五篇大文章" 2024年，建设银行坚决落实监管导向，加强客户营销、市场拓展，实现信贷平稳增长，均衡投放。截至2024年末，发放贷款和垫款总额较年初新增1.98万亿 元 ...

3月31日，A股探底回升，临近尾盘，三大指数跌幅均有所收窄，银行、电信、电力等板块小幅领涨。 相关ETF中，红利低波动ETF（159549）早盘逆市上涨，午后回落小幅下跌，溢折率0.11%，盘中溢价 交易明显。成分股中，多只银行股领涨，江阴银行涨近5%，建设银行涨超3%，上海银行、中国银行等 多股跟涨。 从资金流向来看，近期在市场震荡调整之际，红利低波动ETF（159549）连续三个交易日获资金净流 入，累计"吸金"超3700万元。 信达证券认为，在前期科技板块涨幅较大开始回调的背景下，中期维度顺周期红利板块或重拾绝对收益 与超额收益层面的配置价值。 华创证券在研报中指出，当前市场出现回调表象上是成交的缩量与风险偏好的下行，但我们认为，本轮 牛市中回撤的核心原因均为价格下行风险导致的，所以提振内需变得尤为关键。配置上，高低切的避风 港选择取决于通胀观察。若出口拖累价格下行压力加大，则红利相对占优，高股息低估值集中于红利低 波（银行/水电/高速/港口）与红利质量（家电/乳品/啤酒/白酒/工业金属）；若出口对价格冲击有限，选 择业绩反转的涨价品作为避风港，按低库存/紧供给/强需求比较，建议重点关注周期、消费、科技 ...

截至2025年3月31日 13:53，中证港股通高股息投资指数(930914)下跌0.18%。成分股方面涨跌互现，建 设银行(00939)领涨3.13%，中国石油股份(00857)上涨2.60%，中国银行(03988)上涨1.96%；中国交通建 设(01800)领跌4.23%，粤海投资(00270)下跌3.39%，民生银行(01988)下跌3.27%。港股高股息 ETF(159302)多空胶着，最新报价1.13元，盘中成交额已达1015.53万元，换手率8.17%。拉长时间看， 截至2025年3月28日，港股高股息ETF近半年累计上涨7.54%。 申万宏源证券认为，A股市场二季度将是防御思维占优阶段，看好同时具备绝对收益和相对收益的高股 息资产；从中期维度看，继续看好科技产业趋势，建议重点关注国内AI算力和应用、具身智能、低空 经济的投资机会，科技板块中级别调整可能是本轮应用兑现后，基础层限制了应用的进一步突破，这个 阶段可能出现以季度为单位的调整。 财信证券表示，整体来看，3-4月份，市场将从"流动性、政策驱动"逐步转向"经济基本面驱动"，操作 层面保持适当谨慎，短期以控制仓位为主，静待市场指数企稳，可适当 ...

光大证券指出，本次财政部通过发行5000亿特别国债对大型银行注资符合资本市场前期预期，交易对价 较现行股价有不同程度溢价，发行对象认购的本次增发股票自取得股权之日起5年内不得转让，反映了 大股东支持大型银行平稳健康发展的决心。 国联民生（601456）证券认为，央行2025年一季度货币政策例会提到引导金融机构加大信贷投放力度， 此次国有大行定增可有效缓解银行资本压力，提升银行服务实体经济质效。同时定增后银行持续分红能 力有望得到明显提升，能够更好响应国央企市值管理的相关要求。2024年四家国有大行现金分红比例均 值为30.67%，资本压力缓释后分红有更强保障，银行价值有望进一步获得市场认可。当前我国银行整 体经营有所承压，但随着负债端成本持续改善，银行基本面有望逐步触底。特别国债补充国有大行资本 逐步落地，银行资本压力将明显缓解，后续能够更好支持实体经济发展，进一步带动银行基本面企稳。 银行板块31日盘中震荡上扬，截至发稿，江阴银行（002807）涨近5%，建设银行（601939）、上海银 行（601229）涨约3%，中国银行（601988）、交通银行（601328）涨约2%。 消息面上，3月30日，建设银行 ...

公 司 报 告 银行 2025 年 3 月 31 日 建设银行(601939.SH) 营收降幅收窄，资负扩张稳健 推荐（维持） 股价：8.52 元 主要数据 | 行业 | 银行 | | --- | --- | | 公司网址 | www.ccb.com;www.ccb.cn | | 大股东/持股 | 中央汇金投资有限责任公司/57.14% | | 实际控制人 | 中国投资有限责任公司 | | 总股本(百万股) | 250,011 | | 流通 A 股(百万股) | 9,594 | | 流通 B/H 股(百万股) | 240,417 | | 总市值（亿元） | 15,681 | | 流通 A 股市值(亿元) | 817 | | 每股净资产(元) | 12.65 | | 资产负债率(%) | 91.8 | 行情走势图 相关研究报告 【平安证券】建设银行（601939.SH）*季报点评*盈利 同比回正，资产质量整体稳健*推荐20241101 | | 投资咨询资格编号 | | --- | --- | | 袁喆奇 | | | | S1060520080003 | | | YUANZHEQI052@pingan.com.c ...