据悉，"科创贷"是中行为专精特新小微企业，高新技术企业量身定制的一款线上产品，授信额度高，担 保方式多样。截至目前，中国银行宁波市分行已累计服务100余家科技型小微企业，提供信贷支持7.2亿 元，助力跑出发展"加速度"。 "无形称号"换来真金白银 近年来，中国银行宁波市分行根据宁波市高层次人才分类认定标准、信贷需求等，量身定制"人才贷"金 融服务方案，以实际行动助力科技型企业突破资金困境。 近日，一家入驻慈溪上林英才创业园的新材料企业刚刚获得该行提供的"人才贷"信贷支持300万元。企 业负责人已入选"2024年度甬江人才工程项目"高端人才，企业专注于新型纳米固体铝溶胶及其电池涂覆 产品开发和产业化，产品在新能源锂电池领域有着广泛的应用前景，在市场上崭露头角。随着各项业务 的快速拓展，企业也面临着资金需求和缺乏抵押物的难题，发展遇到"瓶颈"。该行在充分了解该企业的 技术优势和市场前景后，凭借企业的人才实力和发展潜力提供信贷支持，用真金白银释放人才动力和创 新活力，助力企业产能扩展。 一直以来，中国银行宁波市分行致力于科创领域的服务创新，成为科技型小微企业坚定的同行者、护航 者。未来，该行将持续为"专精特新"企业 ...

二是行业模型的共治。"目前预训练的基础大模型金融知识的配比只占到了5%左右，也导致了金融的专业性不足，限 制了在金融场景的深度应用。"孟茜表示，由此，部分国有大行已开始针对性训练行业大模型，需要整合行业资源、 建设行业大模型也成为行业讨论的热点。她建议，大型金融机构应同中小金融机构加强交流合作，鼓励应用方案共享 互通，缩小机构间数字鸿沟。 三是数据行业集的共治。孟茜指出了当下金融行业中数据应用存在的问题：金融业数据在隐私保护与使用要求方面实 行高标准，导致目前能够支撑行业共享共用的金融语料比较缺乏。 对此，孟茜建议，组织行业在数据分级分类管理的基础上，共同推进建设金融公共语料库，进而降低各个金融机构单 独构建的投入成本。同时，建立统一的金融人工智能应用评测体系，制定标准化测试数据集和评测的方法，提高评测 结果的可比性和权威性，以提升大模型在金融应用过程中的质量和水平。 2025年4月10日，以"人工智能与金融未来"为主题的国民财富发展研究合作平台2025春季峰会在北京正式召开。中国银 行首席信息官孟茜在会上进行主题演讲时提出，DeepSeek显著降低了大模型应用的成本和门槛，人工智能已经开始从 工具化的应用向 ...

转自：新华财经 民营经济是推进中国式现代化的生力军，是高质量发展的重要基础。中国银行宁波市分行秉承服务实体 经济"国之大者"，厚植宁波民营经济沃土，聚焦解决民营企业实际发展难题，以金融服务专业性、创新 性、普惠性激活民营经济的"一池春水"。 助企出海拓市场 作为宁波外贸的主力军，民营企业"出海"离不开金融有力支持。中国银行宁波市分行依托集团全球化、 综合化优势，推出覆盖全球结算、跨境融资、风险管理的综合解决方案，积极打造民营企业"出海"首选 银行。 紧跟国车"出海"步伐，近日，该行为某全球知名新能源汽车制造企业提供8亿元的授信支持，用于整车 出口销售、研发费用投入，帮助该车企进一步拓宽欧洲、东南亚、澳大利亚等海外市场。 聚焦企业从"出口"向"出海"转型的核心需求，分行用好"一点接入 全球响应"机制，联动中行海外机构， 全力破解民企国际化经营痛点。宁波某民营企业是国内纺织服装行业龙头，正加速布局全球化赛道。 2025年企业在并购法国某高端童装品牌时，面临资金风险、多国法律、政策咨询等现实难题。中国银行 宁波市分行迅速联动海外巴黎分行，成立专项工作组，围绕特殊目的公司（SPV）设立、境外投资备案 （ODI）、并购 ...

中国银行间债市10年和30年国债收益率盘初下滑约2个基点。 ...

董事名單與其角色和職能 中國銀行股份有限公司董事會（「董事會」）成員載列如下： 董事長 張勇 張建剛 黃秉華 劉輝 師永彥 樓小惠 李子民 獨立非執行董事 廖長江 崔世平 讓•路易•埃克拉 喬瓦尼•特里亞 劉曉蕾 張然 1 董事會設立6個委員會。下表提供各董事會成員在這些委員會中所擔任的職位： 葛海蛟 副董事長、行長 張輝 非執行董事 | | 委員會 | | 企業文化與 | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | | | | 戰略發展 | 消費者權益 | | 風險政策 | 人事和薪酬 | 關聯交易 | | 董事 | | 委員會 | 保護委員會 | 審計委員會 | 委員會 | 委員會 | 控制委員會 | | 葛海蛟 | | C | | | | | | | 張輝 | | M | | | | | | | 張勇 | | M | | M | C | | | | 張建剛 | | M | | M | | | | | 黃秉華 | | | C | | M | M | | | 劉輝 | | M | | | M | | M | | 師永彥 | | M | ...

证券代码：601988 证券简称：中国银行 公告编号：临 2025-028 中国银行股份有限公司 关于独立非执行董事张然女士任职的公告 中国银行股份有限公司董事会及全体董事保证本公告内容不存在任何虚 假记载、误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承 担法律责任。 2024 年 12 月 20 日，中国银行股份有限公司（简称"本行"）2024 年第三次临时股东大会选举张然女士为本行独立非执行董事。本行已 收到国家金融监督管理总局核准张然女士独立董事任职资格的批复。 自 2025 年 4 月 3 日起，张然女士就任本行独立非执行董事，同时 担任本行董事会审计委员会委员、风险政策委员会委员、人事和薪酬 委员会委员。同日起，本行非执行董事楼小惠女士担任本行董事会审 计委员会委员。张然女士的董事任期为三年。本行董事会对张然女士 的加入表示欢迎。 张然女士的简历如下： 就本行董事所知及除上文所披露外，张然女士在过去三年没有在 其他上市公司中担任董事职务，与本行任何董事、高级管理人员、主 要或控股股东没有其他任何关系，也没有在本行或其附属公司中担任 其他任何职务，亦未于本行领取过任何薪酬。于本公告发布日 ...

Core Points - The investigation into Huang Zhigang, former chief business manager of China Bank's Hunan branch, revealed serious violations of party discipline and laws, including accepting bribes and misusing his position [1][2] - Huang's actions included long-term retention and private reading of politically problematic materials, receiving gifts and travel funded by public money, and intervening in personnel matters for personal gain [1][2] - The disciplinary actions taken against Huang include expulsion from the party, cancellation of retirement benefits, and referral of his case to the prosecution for criminal investigation [2] Summary by Categories - **Disciplinary Violations** - Huang Zhigang severely violated multiple disciplines including political, organizational, and work discipline, constituting serious job-related misconduct and suspected bribery [2] - His misconduct persisted even after the 18th, 19th, and 20th National Congresses of the Communist Party, indicating a serious nature and adverse impact [2] - **Consequences** - The China Bank Party Committee decided to expel Huang from the party and cancel his retirement benefits [2] - The Hunan Province Yongzhou Supervisory Committee has referred Huang's suspected criminal activities to the prosecution for legal action [2]

Global Economic Overview - In Q1 2025, the global economy showed a simultaneous weakening in both supply and demand, with agricultural output growth slowing and service sector sentiment declining [1][4][6] - Consumer spending growth has slowed, private investment remains weak, and government spending is experiencing moderate growth, leading to an increased risk of global inflation rebound [1][4][6] - In Q2 2025, global economic downturn risks are expected to rise, with both demand and supply likely to face pressure [1][4][12] Major Economies Analysis - The US economy is facing weakening growth expectations and rising stagflation risks due to Trump's new policies, while Europe shows signs of recovery driven by fiscal policy, albeit with varying growth trajectories among countries [2][4][12] - Japan's economic outlook has improved, but external demand growth is uncertain; South Korea faces multiple challenges with heightened downside risks [2][4][12] - India's economic growth is rebounding, but potential impacts from tariff policies are concerning; Canada and Mexico are experiencing slowing growth due to tariff impacts [2][4][12] International Financial Markets - Cross-border capital flows remain low, with adjustments in securities investment flows; the currency market is tight, and liquidity varies across regions [2][4][12] - Global debt levels are rising, with policy factors continuing to influence the US and European bond markets; stock market fundamentals remain stable, but policy uncertainties are increasing market volatility [2][4][12] - Commodity prices are experiencing increased volatility, with a sustained upward trend in gold prices [2][4][12] Trade and Tariff Policies - Trump's tariff policies are beginning to impact global trade, with significant tariff increases on imports from China, Canada, and Mexico, leading to varied export performance among major economies [19][20][21] - The potential for a new round of global trade wars is increasing, with affected economies seeking to negotiate trade arrangements and implement countermeasures [19][20][21] - The global trade risk is accumulating as major economies engage in tariff policy battles, with Canada and the EU already announcing retaliatory tariffs against US goods [19][20][21]

Core Viewpoint - The core viewpoint is that technology finance will become a core business for Chinese banking, but it will not encompass all banking operations [1][2]. Group 1: Transformation in Banking - Traditional credit models are becoming less effective in the face of technology finance, which emphasizes potential growth, industry outlook, and technological advancement over past performance [2]. - The banking industry is undergoing a series of transformations across various dimensions, including organizational structure, risk control mechanisms, performance evaluation, and due diligence [2]. - The exploration of technology finance may ultimately reshape the entire credit management model in the banking sector, positioning banks as the largest funding source for technology enterprises [2]. Group 2: Credit Management Changes - The credit management model for technology finance will shift from focusing on past performance and collateral to evaluating future growth prospects, business models, technology pathways, customer needs, and market competitiveness [2][3]. - Different financial services will maintain distinct credit processes, and the technology finance credit management model will not replace other business credit management models [2]. Group 3: Funding Channels for Technology Enterprises - Banks provide funding support to technology enterprises through three main channels: 1. Debt instruments, focusing on loans and bond investments while ensuring risk control and protecting depositors' interests [3]. 2. Equity instruments, where large commercial banks utilize investment subsidiaries to offer integrated services, including direct equity investments [3]. 3. Strengthening ecological cooperation in technology finance, where banks collaborate with venture capital and industry funds to indirectly support financing for technology enterprises [3].

Investment Rating - The report assigns a "Buy" rating for the company, marking its first coverage [2][5]. Core Insights - The report highlights that the company's foreign currency asset hedging has mitigated the decline in interest margins, while its asset quality continues to improve [2][5]. - In 2024, the company achieved a revenue of 630.09 billion yuan, a year-on-year growth of 1.16%, and a net profit attributable to shareholders of 237.84 billion yuan, reflecting a 2.56% increase [5][7]. - The non-performing loan ratio decreased to 1.25%, with a provision coverage ratio rising to 200.60%, indicating robust asset quality [5][7]. - The net interest margin for 2024 was reported at 1.40%, with a slight reduction of 1 basis point, showing signs of stabilization [7][8]. - The company plans to distribute a dividend of 0.24 yuan per share for 2024, representing a 2.54% increase from the previous year [5][9]. Financial Performance Summary - The company’s total assets reached 35.06 trillion yuan, growing by 8.11% year-on-year, while total loans amounted to 21.54 trillion yuan, up by 8.22% [5][8]. - Deposits totaled 24.20 trillion yuan, reflecting a year-on-year growth of 5.66% [5][8]. - The report forecasts revenues for 2025-2027 to be 625.51 billion, 650.33 billion, and 683.35 billion yuan, with corresponding growth rates of -0.73%, 3.97%, and 5.08% [8][17]. - The net profit attributable to shareholders is projected to be 238.85 billion, 243.84 billion, and 249.12 billion yuan for the same period, with growth rates of 0.42%, 2.09%, and 2.17% respectively [8][17]. Dividend Information - The company plans to maintain a dividend payout ratio of 30%, with a projected dividend yield of 4.34% based on the current share price [9][17].