资产转让交易核心信息 - 渤海银行拟通过产权交易所公开挂牌方式，分批次转让其依法享有的债权资产，该事项构成《香港上市规则》下的"非常重大出售事项"，需经股东大会批准 [1] - 拟转让资产本金金额约为人民币499.37亿元，利息、罚息及代垫司法费用约200亿元，合计约为698.33亿元 [1] - 为加速出清，渤海银行为其设定了不低于488.83亿元的初步最低代价，相当于对总债权打了约七折 [1] 资产质量与转让背景 - 此次拟转让的近700亿债权包，其资产质量状况揭示了甩卖的紧迫性，资产包内174户债权中，账龄在5年以上的长期资产占比超过55% [2] - 渤海银行在公告中坦承，这些资产"经济资本占用较高、流动性较差" [2] - 此次大规模资产剥离背后是亟待改善的财务指标，截至2025年6月末，渤海银行不良贷款率已升至1.81%，不良贷款余额达175.35亿元 [1] 交易目的与预期影响 - 通过一次性、折价的方式将资产"出清"，虽会带来账面损失，但能快速回收巨额现金、节约风险资本占用，从而为提升资本充足率、优化流动性指标赢得空间 [2] - 此次转让若能完成，预计将带来约5.73亿元的正向财务影响，并大幅改善资本充足率 [6] - 这已是该行连续第二年进行大规模资产剥离，加上这次计划出售的资产，渤海银行三次累计处置的问题资产约为1044.65亿元 [3] 潜在受让方与交易安排 - 渤海银行在公告中列明了六家符合资格的企业，包括中国信达资产管理股份有限公司天津市分公司、中国东方资产管理股份有限公司天津市分公司等五大资产管理公司在津分公司，以及天津本地的两家资产管理公司 [2] - 鉴于本次拟出售资产规模巨大，难以通过单次交易完成，董事会决议寻求股东大会授予一般性授权，以期在为期一年的授权有效期内，根据实际情况分批次组织实施资产转让 [2] 行业背景与普遍挑战 - 渤海银行的案例折射出中国部分中小银行在宏观经济周期与产业结构调整中所面临的普遍挑战，过去粗放增长模式下积累的资产质量问题集中显现 [3] - 自不良贷款转让试点工作开展以来，已有广州银行、杭州银行、江苏银行等多家中小金融通过银登中心批量挂牌转让资产包 [3] - 一个由五大资产管理公司、地方资产管理及各类投资机构组成的多层次不良资产处置市场正在不断发展 [4] 战略转型与深层问题 - "甩卖"资产只是解决了存量问题，属于"止血"的第一步，更关键的考验在于"止血"之后能否成功"造血" [5] - 银行能否真正实现战略转型取决于能否构建更审慎的信贷文化与风险定价能力，摆脱对特定高风险行业的过度依赖，并找到新的、稳健的盈利增长点 [6] - 如果银行的信贷文化、风险内控和业务结构没有发生根本性转变，那么"生成—处置—再生成"的循环就可能重演 [6]

After Friday's big selloff as President Trump fired back at China's tightening of rare earths export curbs with higher tariffs, investors will be watching closely for the latest trade policy developments. An ongoing federal government shutdown may delay the release of several economic reports, but investors can look forward to a full slate of corporate earnings from big banks and mainstays in the semiconductor industry. JPMorgan Chase, Wells Fargo, Goldman Sachs, and American Express are on the list of majo ...

Find out how much you could earn with today’s savings rates. Interest rates on savings accounts have been falling, so it’s important to be sure you’re getting the best rate possible when shopping around for a savings account. The following is a breakdown of savings interest rates today and where to find the best offers. Overview of savings interest rates today The national average savings account rate stands at 0.40%, according to the FDIC. This might not seem like much, but consider that three years ago ...

HELOC rates have been gradually decreasing throughout the year. Currently, the average home equity line of credit interest rate is 7.75%, according to the analytics company Curinos. That's a three-basis-point weekly decrease, and rates have fallen by 19 basis points in the past three months. HELOC rate Sunday, October 12, 2025 According to Curinos data, the average weekly HELOC rate is 7.75%, its lowest point so far in 2025. This rate is based on applicants with a minimum credit score of 780 and a maxim ...

Find out how much you could earn with today’s money market account rates. The Federal Reserve cut its target rate three times in 2024 and recently cut rates for the first time in 2025. So deposit rates — including money market account (MMA) rates — have started falling. It’s more important than ever to compare MMA rates and ensure you earn as much as possible on your balance. Overview of money market account rates today The national average money market account rate stands at 0.59%, according to the FDIC ...

Find out how much you could earn by locking in a high CD rate today. A certificate of deposit (CD) allows you to lock in a competitive rate on your savings and help your balance grow. However, rates vary widely across financial institutions, so it’s important to ensure you’re getting the best rate possible when shopping around for a CD. The following is a breakdown of CD rates today and where to find the best offers. Overview of CD rates today Historically, longer-term CDs offered higher interest rates t ...

报告行业投资评级 - 银行业：买入（维持）[1] 报告核心观点 - 报告预计9月信贷投放季节性加码但强度不大，新增人民币贷款1.3~1.5万亿元，同比少增900~2900亿元，增速回落至6.6%~6.7%附近[3][5] - 社会融资规模（社融）增速预计回落至8.5%~8.6%附近，表内贷款和政府债是主要贡献项，但政府债供给节奏放缓[3][12] - 货币活化程度提升，M1增速在低基数上延续上行，M2增速在较高基数上有所回落，M2-M1剪刀差进一步收窄[3][17] 信贷总量与宏观环境分析 - 3Q25以来有效需求不振持续压制信贷投放，景气度偏弱，9月信贷读数预计延续同比少增[3] - 9月中采制造业PMI为49.8%，环比8月回升0.4个百分点，但连续六个月低于荣枯线，需求不足矛盾突出，产需缺口放大[4] - 8月CPI、PPI增速分别为-0.4%、-2.9%，PPI连续35个月负增长，物价水平维持低位，抑制企业居民加杠杆动力[4] 信贷结构分析 - 对公信贷发挥"压舱石"作用，对公短贷新增规模过去五年9月均值为3991亿元，环比8月回升4695亿元，预计9月读数环比提升[6] - 对公中长期贷款过去五年9月增量均值为1.07万亿元，环比8月多增4419亿元，但受经营景气度偏低及通缩压力影响，预计仍同比少增[6] - 居民贷款受季节性因素驱动环比改善，百强房企9月销售操盘金额2528亿元，环比增长22%，同比增长0.4%，但整体销售仍处历史较低水平，按揭增长承压[8] - 非房消费贷和经营贷因居民扩表意愿弱、"反内卷"定价约束等因素增长乏力，财政贴息政策支持规模预计明显受控[9] 票据市场与货币供应 - 9月票据转贴现利率上行，1M、3M、6M期利率报价中枢分别为1.39%、1.24%、0.8%，环比8月上行73、27、14个基点，显示集中收票冲量情况减少[5] - 9月贴现承兑比为75%，创2月以来新低，低于去年同期的78%，预计票据融资增量环比下降，贷款结构有所改善[5] - 财政多支少收、理财回表、股市交投活跃等因素支撑M1增速上行；M2受高基数影响增速或降至8.5%以下，M2-M1增速差收窄表明货币活化程度提升[17] 社会融资规模构成 - 预计9月新增社融3~3.2万亿元，同比少增约5200~7200亿元[12] - 社融口径人民币贷款增量预估1.5~1.7万亿元，同比少增2700~4700亿元；政府债净融资规模1.17万亿元，同比少增3613亿元[12] - 直接融资中，信用债净增1317亿元，同比多增3243亿元；企业IPO、定增等合计融资437亿元，同比多增309亿元[12][15]

There's a lot of jargon in the average bank earnings call — net interest margin, capital markets, credit quality. But if you cut through the noise and know what to listen for, you can learn a lot about the state of the economy. Next week, many of the nation's biggest banks will report results for the three months that ended September 30. America's biggest bank, JPMorgan Chase, kicks things off Tuesday, alongside Wells Fargo and Citi, followed by Bank of America on Wednesday.Thanks to the government shutdow ...

除了信用卡类App，还有部分直销银行App也陆续关停。10月10日，北京银行公告称，因直销银行业务 调整，其直销银行App、直销银行网站将于2025年11月12日起停止服务，原直销银行相关业务已迁移至 北京银行"京彩生活"手机银行。 苹果手机应用商城显示，"缤纷生活"App是中国银行信用卡官方客户端，提供信用卡基础功能服务、移 动支付服务、积分及分期商城、商户优惠、活动资讯等内容。截至发稿时，"缤纷生活"App仍能在应用 商城下载。在打开该App后，会弹窗显示前述迁移公告。公告指出，迁移完成后，"缤纷生活"App将停 止下载注册，并逐步关停服务。 【#多家银行关停旗下App# 啥原因[思考]？】有用户可能会发现，一家银行除了有综合类的手机App， 可能还有信用卡App、支付类App、生活服务类App。这种情况正在发生改变。近日，中国银行信用卡 微信公众号发布公告称，该行现已启动"缤纷生活"App服务迁移，"缤纷生活"App全部功能将逐步迁移 至"中国银行"App。中新经纬梳理发现，今年以来，已有10余家银行关停了旗下部分手机App，主要涉 及信用卡App、直销银行App、生活类App等。为何银行要关停这些Ap ...

Together, they push the sector decisively toward global best practices in credit risk modeling, provisioning discipline, and Under the proposed ECL regime, all scheduled commercial banks will transition to a model-based provisioning system from April 2027, with a phased glide path through FY2032.The framework introduces a three-stage classification of assets—performing, underperforming, and credit-impaired—alongside model-driven provisioning anchored in probability of default (PD), loss given default (LGD) ...