银行周报（11月30日）

11月27日，证监会披露了广州银行IPO的反馈，根据证监会意见，广州银行需对房地产贷款占比较高、最大十家客户贷款集中度较高、部分年度监管指标低于指标标准等51项问题进行回复。

On 27 November, the CSRC disclosed feedback from the Guangzhou Bank IPO, according to which the Guangzhou Bank was required to respond to 51 questions, including the relatively high proportion of real estate loans, the high concentration of loans from the top 10 clients, and the partial annual regulatory target below the target.

该行此前披露的招股书显示，截至2019年12月31日，广州银行贷款客户主要所处行业为房地产业、租赁和商务服务业及批发和零售业，三大行业贷款占公司贷款和垫款总额的64.34%（其中：房地产贷款占比约25%），占全部发放贷款和垫款总额的比例为29.90%。

The Bank's previously disclosed offer shows that, as at 31 December 2019, the main clients of the Guangzhou Bank loans were in real estate, rental and commercial services and wholesale and retail trade, with loans from three major sectors accounting for 64.34 per cent of the total corporate loans and advances (of which real estate loans accounted for approximately 25 per cent) and 29.9 per cent of the total loans and advances.

10.徽商银行披露收购承接包商银行业务细节：承接负债总额983.82亿元 无需向包商银行支付现金

10. Bank of Insignia discloses the details of the acquisition of the subcontractor's banking business: the total liability is $98,382 million and no cash payments are required to the Contractor's Bank

27日晚间，徽商银行在港交所披露了承接包商银行业务的细节。截至交易基准日，此次收购承接项下资产账面净值及徽商银行承接的包商银行的负债总额约983.82亿元，资产评估值约653.47亿元，业务价值为153亿元。

On the evening of the 27th day, the Bank of Insignia disclosed the details of the underwriter’s banking operations at the Hong Kong border office. As at the base date of the transaction, the total value of the net book value of the assets under the acquisition and the liability of the Bank of Insignia was approximately 98,382 million yuan, with an asset assessment value of approximately 65,347 million yuan and a business value of $15.3 billion.

“无需就本次收购承接向包商银行支付现金。”徽商银行在公告中表示，该行承接负债和收购资产评估值轧差的金额，扣减该行应当支付的业务价值金额，剩馀款项总额约177.35亿元。

“There is no need to pay cash to the Contractor's Bank for the acceptance of the acquisition.” Bank of Insignia states in its bulletin that the amount of the difference between the value of the liability and the assessment value of the acquisition assets carried by the Bank is reduced by the amount of business value to be paid by the Bank, leaving a total amount of approximately 17,735 million yuan.

11.多家银行紧急暂停部分贵金属交易业务，或出于市场大幅波动时谨慎考虑

11. Several banks have suspended some of their precious metal transactions on an emergency basis or have taken care to

11月27日下午多家银行紧急通告，暂停部分账户贵金属交易业务。业内人士称，目前银行方面暂无任何交易产品和机制上变动的提示，暂停原因或因市场环境急剧变化时，银行为避免出现大幅损失有关。

On the afternoon of 27 November, several banks issued an emergency notice suspending some of their accounts for precious metals.

12. Recent central bank monetary policy implementation core factors or market stabilization, but the year-end financial situation remains fragile

央行周四晚公布第三季度货币政策执行报告。分析人士指出，近期信用事件冲击市场信心，目前央行最核心的考量因素或是稳住市场。但临近年末，央行或将继续保持当前总量紧平衡的政策操作，资金面易紧难松。

Analysts have pointed out that recent credit events have hit market confidence, and that the central bank’s most central consideration is now either to stabilize the market. But, towards the end of the year, the central bank may continue to maintain its current policy operations of tight balance in aggregates, with easy capital.

报告指出，要稳妥推进各项风险化解任务，坚决不让局部风险发展成系统性风险、区域性风险演化为全国性风险。加快健全金融风险处置责任体系，压实股东、各类债权人、地方政府和金融监管部门责任。

The report states that risk mitigation tasks need to be carried forward in a sound manner, and that local risks must not evolve into systemic risks and regional risks evolve into national risks. A more robust system of accountability for financial risk management should be accelerated, putting pressure on shareholders, various types of creditors, local governments and financial regulators.

东吴证券宏观首席分析师陶川对财联社表示，央行报告中的上述表态其实也算是对永煤事件的回应，有稳定市场预期的意味。

Tokukawa, the top analyst for the Toshio Securities Macro, said to FAFIS that the above statement in the Central Bank's report was indeed a response to the Yong Coal incident and meant to stabilize market expectations.

13.央行将全面开展拒收现金集中整治和长效机制建设工作

13. The Central Bank will undertake a comprehensive process of cash rejection centralization and long-term mechanism development

中国人民银行科技司司长李伟今日在国务院政策例行吹风会上表示，人民银行高度重视解决老年人运用智能技术困难的问题。在现金管理方面，针对现在出现的歧视、排斥使用现金等情况，在国务院统一部署下，人民银行将全面开展拒收现金集中整治和长效机制建设工作。

Li Wei, Director of Science and Technology of the People’s Bank of China, stated at the State Council’s policy briefing today that the People’s Bank attaches great importance to solving the difficulties of older persons in using smart technology. In cash management, in response to existing discrimination, exclusion from cash use, etc., the People’s Bank, with the unified deployment of the State Council, will undertake a comprehensive process of centralizing the withdrawal of cash and building lasting mechanisms.

14.“金融数字化发展联盟”正式成立 金融业数字化发展步伐再度加快

14. The Financial Digital Development Alliance was formally established and the pace of digitalization in the financial sector has again accelerated

11月26日讯，202家银行业金融机构和产业相关方参与的“金融数字化发展联盟”正式成立，包括字节跳动、饿了么、中兴通讯、顺丰物流等产业链企业。金融业数字化发展步伐再度加快。目前，金融数字化发展联盟推动金融业数字化升级的相关活动已经陆续展开，联盟发布了首份研究成果《2020消费金融数字化转型主题调研报告》。

On November 26, 202 banking financial institutions and industry-related parties, the Financial Digital Development Alliance was launched, including industry chains such as bytes, hunger, communications, and smooth logistics. The pace of digitalization in the financial sector has accelerated again. Currently, activities of the Financial Digital Development Alliance to promote digitalization in the financial sector are under way, and the Alliance has published its first research report on the theme of digital transition in consumer finance by 2020.

15.2000亿元支持中小银行专项债额度下达 四家城商行披露申请补充资本金方案

$1.500 billion to support the issuance of a special debt line for small and medium-sized banks

财政部日前披露，用于支持化解地方中小银行风险的新增专项债券额度2000亿元，目前分地区额度已全部下达。

The Ministry of Finance has recently disclosed that an additional $20 billion in specific bonds to support the mitigation of risks in local small and medium-sized banks has now been issued in full.

市场认为，这一做法有助于拓宽外源性资本补充渠道，缓解中小银行资金压力。截止目前，已有温州银行、广西北部湾银行、乌海银行、内蒙古银行披露了申请地方专项债补充资本金计划。

The market believes that this approach will help to broaden external capital supplementation channels and ease the financial pressure on small and medium-sized banks. To date, Wenzhou Bank, Guangxi North Bay Bank, Uhai Bank, and Inner Mongolia Bank have disclosed their application for local-specific debt replenishment schemes.

16.中国邮储银行继续采购阿里云技术及服务

16. The China Postal Bank continues to procure Aliun technology and services

11月25日讯，中国邮政储蓄银行日前发布采购公示，将采购阿里云提供的技术和服务，以加快产品和服务推出，快速应对市场变化、响应客户需求。采购公示显示，中国邮政储蓄银行将通过单一来源方式继续采购阿里云mPaaS移动开发平台及分布式金融核心套件bPaaS灾备相关组件及服务，以支撑旗下“YOU生活”APP系统的研发和运营等工作。今年7月，阿里云正式中标中国邮政储蓄银行“YOU生活”APP工程采购项目，最新披露的采购则是在此基础上的补充性采购行为。公开资料显示，“YOU生活”APP是中国邮政储蓄银行构建的以用户为中心、侧重提供泛生活服务的平台, 提供包含健康、汽车、机场服务、留学签证、外卖、积分兑换、会员体系等多种生活和金融服务。

On 25 November, the Postal Savings Bank of China issued a new procurement announcement to support the development and operation of the “YOU Live” AP system under the flag. In July this year, Aryan officially signed the “YOU Live” project of the Postal Savings Bank of China, the latest disclosed procurement was a complementary procurement action on this basis. According to public information, the “YOU Live” package is a user-centred platform of the Postal Savings Bank of China that focuses on the provision of general life services and provides a variety of living and financial services, including health, automobiles, airport services, school-leaving visas, external sales, stock exchange, membership systems, etc.

17.浙江、陕西下月将发行专项债补充银行资本金：合计96亿 期限10年

17. Zhejiang and Zhexi will issue special debt replenishment bank capital next month: a total of 9.6 billion for 10 years

11月25日讯，浙江、陕西两省均将于12月发行地方政府专项债用于补充中小银行资本金，额度分别为50亿元、46亿元，期限均为10年期。其中，浙江省明确发行时间为12月中下旬。财政部日前表示，经国务院批准，11月11日，已下达用于支持化解地方中小银行风险的新增专项债券额度2000亿元，目前分地区额度已全部下达。这意味着后续其他省份也将陆续启动相关专项债发行。

On November 25, each of Zhejiang and Shaanxi Provinces will issue a special local government debt in December to supplement the capital of small and medium-sized banks, amounting to $5 billion and $4.6 billion, respectively, for a 10-year period. Of this amount, Zhejiang Province has been issued for a specified period of mid-December. The Ministry of Finance has recently indicated that, with the approval of the State Council, on November 11, it has issued an additional special bond amount of $20 billion to support the risk reduction of small and medium-sized banks in the region.

18.新加坡金管局今年底将颁发数码银行执照 蚂蚁集团、字节跳动都参与竞标

18. The Gold Authority of Singapore will issue a digital banking license by the end of this year.

11月25日讯，新加坡金融管理局局长孟文能今天（25日）表示，新加坡将按计划在今年底颁发数码银行执照。孟文能表示新加坡对数码银行执照申请者的要求包括提供良好服务的能力，并且有适当的风险管理，以及顺畅的退市策略。新加坡预计今年底颁发最多五个纯数码银行执照。蚂蚁集团、字节跳动都参与竞标。

On November 25, Singapore’s Director of Financial Management, Mon Wenchen, said today (25th) that Singapore is scheduled to issue digital banking licences by the end of this year. Mon Wenchen indicated that Singapore’s requirements for digital banking licence applicants include the ability to provide good services, as well as appropriate risk management, and a smooth exit strategy. Singapore expects to issue up to five pure digital banking licences by the end of this year.

19.跨境理财通将于年底实施

19. Cross-border finance will be implemented at the end of the year

11月25日讯，人行、香港金管局及澳门金融管理局，于6月时曾联合发布关于在粤港澳大湾区开展”跨境理财通“业务试点联合公告。今日《施政报告》终有跨境理财通落实时间，跨境理财通将于年底实施。香港金管局早前表明，会根据框架尽快敲定落实细节，争取早日启动理财通；香港银行及基金业界对理财通框架亦表示欢迎。

On November 25, the Bank, the Hong Kong Monetary Authority and the Macao Monetary Authority jointly issued a joint communiqué in June on the implementation of the “Transborder Finance” pilot operation in Hong Kong, Australia and the Gulf region. Today, the Governance Report will be implemented by the end of the year. The Hong Kong Monetary Authority has indicated that the details will be finalized as soon as possible, in accordance with the framework, with a view to an early start to the operation.

20.揽储妙招还是饮鸩止渴？互联网存款将迎监管整肃

20. Do you want to save or drink? Internet deposits will be subject to regulation .

尽管当下监管暂无进一步动作，但市场已有预期，涉及近百家银行的互联网存款市场监管政策正在酝酿中：监管层近日发声剑指互联网存款，直言一些高风险地区银行过度依赖互联网存款或导致负债资金的不稳定，无异于饮鸩止渴。

Despite the absence of any further regulation at this time, the market has anticipated that the policy of regulating the Internet deposit market, involving nearly 100 banks, is in the process of being developed: the regulatory hierarchy has recently slashed Internet deposits, pointing to excessive reliance on Internet deposits by banks in some high-risk areas or leading to instability of debt funds, which is tantamount to a thirst-free drinking.

记者翻阅多家热衷于互联网存款的银行财报发现，一些揽储渠道较窄的中小银行凭借着互联网平台的银行揽储，存款余额一路飙升，甚至出现数倍的激增，但揽储成本却高于线下。

Journalists have looked at a number of banks that are interested in Internet deposits and found that a number of small and medium-sized banks, which have narrow storage channels, rely on Internet platforms for bank deposits, and that deposit balances have soared, or even multiplied, but the cost of holding them is higher than below the line.

“这与此前同业业务等主动负债具有类似之处，如果过于依赖，则可能导致这类存款的不稳定性。”国家金融发展实验室副主任曾刚向记者表示，互联网存款可能未来将控制规模、限制利率，其规模或可参考同业业务的相关规定。

“This is similar to previous active liabilities, such as joint ventures, which, if too dependent, could lead to the volatility of such deposits.” The Deputy Director of the National Financial Development Laboratory has just indicated to journalists that Internet deposits may in the future control size, limit interest rates, or refer to the relevant provisions of the joint venture.

值得注意的是，一些依靠互联网存款渠道的银行已经开始自建渠道。一位民营银行人士向记者表示，互联网平台确实能够快速揽储，也可以为银行快速拓展新客户，但后续在规模和利率上肯定会监管。“虽然不会放弃互联网存款的渠道，银行后续也将加大自营平台的建设。”

It is worth noting that some banks that rely on Internet deposit channels have started to build their own channels. A private banker has told journalists that Internet platforms can indeed be fast-tracked or new customers can be rapidly expanded for banks, but that they will be regulated in terms of size and interest rates. “Although they will not abandon Internet deposit channels, banks will also increase their own platform.”

21.周小川：发展电子支付货币也要求同存异

21. > : Development of e-payment currencies also requires co-discrepancies

11月24日讯，2020中新（重庆）战略性互联互通示范项目金融峰会11月23日-24日正式开幕。中国人民银行原行长、博鳌亚洲论坛副理事长、中方首席代表周小川在开幕会致辞时着重探讨了国与国之间数字货币贸易以及电子支付的发展。周小川表示，当前在疫情影响的情况下，数字经济受到重视得以发展，网上授课、在家办公等风行，零售支付时现钞使用也在减少，这就形成了大力发展数字货币和电子支付的好时机。中国和新加坡之间，各项金融合作历来积极、顺畅，不断结出硕果，在支付领域也一直保持密切沟通，互联互通。

On 24 November, the financial summit of the China People’s Bank, the Vice-President of the Bojong Asia Forum, and the Chief Representative of China, Zhou Xiaochuan, focused their opening remarks on digital-currency trade between countries and the development of electronic payments. Zhou Xiaochuan said that, in the light of the impact of the epidemic, the digital economy was being valued for development, online instruction, home-based work, etc., and the use of cash in retail payments was declining, creating a good time for vigorous development of digital money and electronic payments.

22.人民币跨境支付系统标准收发器海南上线

22. Standard transceiver of the renminbi cross-border payment system

11月20日，人民币跨境支付系统（CIPS）标准收发器在交通银行、海南银行成功上线，并顺利完成首笔跨境汇款业务。

On 20 November, the Standard Transfrontier Payment System (CIPS) transceiver was successfully connected to the Transport Bank and Hainan Bank and successfully completed its first cross-border remittance operation.

据介绍，CIPS标准收发器在海南自贸港试点上线，有助于发挥海南独一无二的资源禀赋和区位优势，推动人民币跨境使用和双向流通，为构建以国内大循环为主、国内国际双循环相互促进的对外开放新格局贡献力量。

It was stated that the CIPS standard transceiver was on the line on a pilot basis at Hainan Freeport, helping to leverage the unique resource endowment and location advantages of Hainan, promoting the cross-border use and two-way circulation of the renminbi, and contributing to the construction of a new pattern of external openness based on a large domestic cycle and mutually reinforcing domestic and international two-cycles.

23.三季度促成借款额483亿元毛利润9.8亿 乐信无风险、纯科技服务占比扩大至40%

23. > 23.3 billion gross profit from borrowing in three quarters > > 980 million free of risk, pure technology service ratio expanded to 40%

11月24日，乐信发布2020年三季度未经审计财务业绩。三季度，乐信促成借款额483亿元人民币，同比增长30.6%；营收32亿元，毛利润9.8亿元，非美国通用会计准则下（Non-GAAP）息税前利润5.0亿元。

On November 24, LeHN released its unaudited financial performance for the third quarter of 2020. In the third quarter, LeHN facilitated the borrowing of RMB 48.3 billion, an increase of 30.6 per cent over the same period; raised RH 3.2 billion, a gross profit of RMB 980 million, and a pre-tax profit of RMB 50 million under the non-United States General Accounting Standards (NO-GAAP).

今年7月《商业银行互联网贷款管理暂行办法》颁布施行，肯定了助贷市场和机构作用，并鼓励商业银行以合作方式吸收新技术推动信贷行业变革与创新。乐信方面表示，三季度公司业务结构已从重资本担保风险助贷模式，转向不承担风险的科技助贷模式，无风险To B科技服务已经成为乐信重点发力方向。

In July of this year, the Interim Scheme for the Management of Commercial Bank Internet Loans was introduced, confirming the role of the lending market and institutions and encouraging commercial banks to collaborate in absorbing new technologies to drive change and innovation in the credit sector. The confident side said that the three-quarter corporate business structure had shifted from a high-capital guarantee risk lending model to a risk-free science and technology lending model, and that risk-free ToB science and technology services had become a priority.

24.建设银行纳闽分行撤回发行数字债券 “币圈”亢奋反应或是主因

24. The construction bank's customs branch withdraws the issuance of digital bonds, the currency ring reacts or is primarily due to

在市场的高度反响和关注之下，亚洲数字资产交易所FUSANG11月23日官网消息显示，中国建设银行纳闽分行已通知FUSANG交易所称，决定撤回原计划于2021年11月13日上线并于2月上市的数字债券，且已将此次停牌通知了纳闽金融服务管理局。

Given the high level of resonance and interest in the market, the Asian Digital Assets Exchange FUSANG, on 23 November, reported that the China Construction Bank Labuan branch had informed FUSANG of the alleged decision to withdraw the digital bonds originally scheduled for 13 November and listed in February 2021, and that the Labuan Financial Services Authority had been notified of the suspension.

对于建行此次做出撤回发行的决定，欧科云链首席研究员李炼炫向财联社记者表示，或是由于市场反应过于热烈，并且关注点出现偏差，“虽然建行声明了不接受比特币交易，但市场的关注点却聚焦于 ‘建行发行的区块链债券可以使用比特币购买’。如果发行成功，只会使得‘币圈’更为亢奋。”

In response to the decision to withdraw the issue, Okoyun chain chief researcher Li Xuan Xuan Xuan said to FAFIA journalists, or because the market reaction was too intense and the focus was biased, “Although the bank declared that it would not accept the Bitcoin deal, the market focus was ‘the block chain bonds issued by the bank can be bought in bitcoin’. If the issue succeeds, it will only make the ‘currency circle’ even more exciting.”

25.香港财政司司长陈茂波：积极与央行探索完善人民币资金双向流动

25. Hong Kong Treasury Director Chen Mau Bo: actively explore with the Central Bank to improve the two-way flow of RMB funds

11月23日讯，香港财政司司长陈茂波表示，香港一直有留意人民银行数字人民币发展，认为若数字人民币能应用于跨境支付，将可进一步促进香港与内地、尤其是大湾区的互联互通，政府与金管局将积极与央行探讨各种可行方案，完善及扩大人民币资金双向流动的渠道。

On 23 November, Hong Kong's Director of Finance, Chen Maobo, stated that Hong Kong had been following the development of the People's Bank's digital renminbi and that if it could be applied to cross-border payments, it would further promote connectivity between Hong Kong and the Mainland, particularly the Grand Bay region, and that the Government and the Hong Kong Monetary Authority would actively explore with the Central Bank possible options to improve and expand the channels for the two-way flow of renminbi funds.

26.苏州将于双十二推出数字人民币红包

26. Suzhou will launch the digital renminbi red package in two-twelve years

11月23日讯，今日从苏州一位知情人士处获悉，继深圳后，苏州将于双十二推出数字人民币红包测试。上述知情人士表示，目前苏州相城区已有很多商家已经安装NFC二维码，只是支付载体还在测试员手中，目前已有测试员体验过数字人民币支付，且可使用“离线”和“碰一碰”功能。除此之外，成都的内测也在进行中。据一位成都银行业从业人士透露，目前成都是以白名单的邀请制，通过大行员工的邀请才能下载数字人民币钱包（被称为“熊猫钱包"）。

On 23 November, an informed source from Suzhou learned today that after Shenzhen, Suzhou will launch a digital renminbi red bag test in two-twenties. According to the above-mentioned sources, a large number of businesses have installed NFC 2-D codes in the Suzhou contemplation area, only to pay the carrier is still in the hands of the tester, and the tester has experienced digital renminbi payments and can use “offline” and “haps.” In addition, Chengdu’s insiders are also in the process. According to one Chengdu banking practitioner, they are now invited on a white list to download the People’s Currency wallet (known as the “Panda Walls”) through an invitation from a large-scale employee.

27.拼多多：从未申请直销银行牌照

27. Multiple spells: never applied for direct sale of bank plates

针对今日某自媒体“爆料”称“拼多多正在申请直销银行”一事，拼多多回应称：“公司从未申请过直销银行牌照，也未参股过任何申请这一牌照的银行，请自媒体不要再造谣”，公司保留对不实叙述追究法律责任的权利。拼多多方面表示，不仅是过去从未申请过这一牌照，公司”未来也不会申请直销银行牌照“。对该自媒体文章中所写的“拼多多正在招聘消费信贷方向的算法工程师”等信息。拼多多方面称，这些招聘岗位主要是为了适应用户需求，接入微信先用后付、蚂蚁花呗等消费信贷产品的对接与数据风控，拼多多自身并没有任何消费信贷业务。

In response to today's self-proclaimed media “exploitation” that “many more are applying for the direct sale of banks”, many have said: “The company has never applied for the direct sale of a bank licence plate, nor has it joined any bank that has applied for the licence plate, nor has it made any more false claims to its own media”, the company has reserved the right to be held liable for false accounts. The many ways in which it says that not only has never applied for the license plate in the past, but the company will not apply for the direct cancellation of the licence plate in the future.

28.德意志银行：将通过并购和合营企业发展数字支付业务

28. Deutsche Bank: Digital payments through M&As and joint enterprise development

德意志银行主管Stefan Hoops表示，公司正寻求并购和组建合资企业，以增强其在欧洲支付处理行业的影响力，数字支付是其战略上优先考虑的领域之一。最近几个月，德意志银行聘请了多位外部支付专家，其中包括金融科技公司Figo的创始人Andre Bajorat。该公司还招聘了破产支付处理公司Wirecard的一些高级管理人员，其中包括Kilian Thalhammer。不过，该行决定不收购Wirecard。

The head of Deutsche Bank, Stefan Hoops, said that the company was seeking mergers and acquisitions and joint ventures to increase its influence in the European payment processing industry, and that digital payments were one of its strategic priorities. In recent months, Deutsche Bank had hired a number of external payment experts, including Andre Bajorat, founder of Figo Financial Science and Technology.

29.商业银行年内二级资本债发行额逼近6000亿元大关 已超去年全年水平

29. Commercial banks close to $600 billion in second-class capital debt issuances during the year, exceeding last year's full-year level

11月23日讯，2020年，商业银行利用二级资本债这一方式进行资本补充的力度持续加大。截至目前，年内银行二级资本债合计发行金额已逼近6000亿元大关，超过去年全年发行水平。

On November 23, 2020, commercial banks continued to increase their capital replenishment in the form of second-tier capital debt. To date, the total amount of second-tier capital debt issued by banks has been close to 600 billion yuan in the current year, exceeding the level issued in the previous year.

30.经济回暖利润修复 机构看好银行业估值回升

30. Recovery of profits from economic warming.

11月23日讯，近日，券商相继发布2021年银行业策略报告。多家机构指出，当前银行板块估值处于历史低位，随着宏观经济的逐步复苏，上市银行基本面将持续修复。同时，海外资金、中长期资金对银行股的看好也有望带动板块估值回升。

On November 23, bond dealers recently published a report on banking strategy for 2021. Several agencies have pointed out that the current valuation of banks is at a historically low level, and that, as macroeconomic recovery progresses, the basics of listed banks will continue to be repaired.

31.全国最后一家二级农信社改制完成 广东汕头海湾农商行挂牌

31. The last second-tier agribusiness in the country has been converted and the Gulf Chamber of Commerce and Industry in Guangdong has registered .

11月21日，汕头海湾农村商业银行（下称汕头海湾农商行）在汕头挂牌成立，这标志着全国最后一家二级法人农信社顺利实现向农村商业银行的跨越。

On 21 November, the Rural Gulf Commercial Bank (hereinafter referred to as the Gulf Chamber of Agriculture) was inaugurated, marking the successful crossing of rural commercial banks by the country's last secondary corporate, the Agricultural News Agency.

汕头海湾农商行由汕头经济特区农村信用合作社联合社（下称汕特联社）改制组建。汕特联社为“二级法人”管理，十几年来资不抵债，依靠占用人民银行紧急再贷款维持经营，属于严重高风险机构，成为区域金融风险突出隐患。

The Gulf Chamber of Commerce and Industry was re-established by the Union of Rural Credit Unions in the Special Economic Zone (hereinafter referred to as the “Standards” Association, which is managed by a “secondary legal entity” and has been operating for more than a decade on the basis of emergency refinancing from the People's Bank, and is a high-risk institution and a significant risk to regional financial risk.

银行

Bank

1.渤海租赁：天津银行约1.07亿股股权已过户登记至香港渤海名下

1. Fanhai Lease: about 107 million shares in Tianjin Bank have been registered in Hong Kong under the name

11月27日讯，渤海租赁公告，2020年10月30日，公司全资子公司香港渤海与BL Capital在北京签署了《股权转让协议》，由香港渤海受让BL Capital所持天津银行106,993,500股股权，受让价格为9.75亿港币，用于等额抵偿BL Capital欠付香港渤海的股权转让款，剩余2092.84万港币股权转让款由BL Capital以现金支付予香港渤海。截至公告披露日，天津银行106,993,500股股权已过户登记至香港渤海名下，且香港渤海已收到BL Capital支付的剩余股权转让款人民币1814.95万元(以2020年10月30日港币兑人民币汇率1:0.86722计算，折合2,092.84万港币)，此次受让天津银行股权交割及剩余股权转让款支付工作已完成。此次交易完成后，香港渤海持有天津银行106,993,500股股权，占天津银行总股本的1.76%。

The Hong Kong Stock Transfer Agreement between Hong Kong and BL Capital, a wholly-owned subsidiary of the company, was signed in Beijing on 30 October 2020. The Tianjin Bank of Hong Kong, with 106,993,500 shares held by BL Capital in Hong Kong, was granted a grant price of HK$ 975 million to cover the equivalent of the balance of BL Capital's share transfer due to the Hong Kong Sea, and the remaining balance of HK$ 209,284,000 was transferred by BL Capital to the Hong Kong Sea in cash. At the date of the announcement, the Tianjin Bank, 106,993,500 shares were registered under Hong Kong Sea, and Hong Kong China received BL Capital's remaining share transfer of HK$ 18,14.95 million (at the exchange rate of 1:08,6722 on 30 October 2020), and the remaining share of HK$ 2,09,284 million was transferred to Hong Kong.

2.徽商银行：收购承接包商银行的业务价值为153亿元人民币

2. Bank of Insignia: acquisition of business value of the undercontractor bank is RMB 15.3 billion

11月27日讯，徽商银行在港交所公告称，包商银行及本行一致同意，本行承接与收购资产账面净值等额的负债，包括转让人四家分行账面及从总行匹配的相应负债。截至交易基准日，本次收购承接项下资产账面净值及本行承接的包商银行的负债总额均为人民币984亿元，资产评估值为人民币653亿元，业务价值为人民币153亿元。本行无需就本次收购承接向包商银行支付任何现金对价。

On 27 November, the Bank of Insignia announced in Hong Kong that the Bank and the Bank had agreed that the Bank would take over the net book value of the assets acquired, including the four branches of the assignor and the corresponding liabilities matching the general bank. As at the date of the transaction, the total liability of the net book value of the assets under the acquisition and the subcontractor bank under the contract was RMB 98.4 billion, with an asset assessment value of RMB 65.3 billion and a business value of RMB 15.3 billion.

3.建设银行：因工作调动 刘桂平辞任行长等职务

3. Building banks: as a result of mobility, Liu Guiping has resigned as President and other posts

11月27日讯，建设银行公告，因工作调动，刘桂平已向公司董事会提出辞呈，辞去副董事长、执行董事、行长以及董事会战略发展委员会委员、风险管理委员会委员的职务。

On 27 November, the construction bank announced that, as a result of the transfer of work, Liu Guiping had submitted his resignation to the company's board of directors as Vice-Chairman, Executive Director, President of the bank and member of the board's strategic development committee and risk management committee.

4.招商银行：资产托管规模突破15万亿元

4. Merchant banking: assets hosting up to $15 trillion

11月27日讯，从招商银行获悉，今年以来，招商银行资产托管业务增长迅猛，截至10月末，资产托管规模达15.5万亿元，较年初增长2.2万亿元。

On 27 November, the caller bank was informed that since the beginning of the year there had been a rapid growth in the hosting of bank assets, which had reached 15.5 trillion yuan by the end of October, an increase of 2.2 trillion yuan since the beginning of the year.

5.杭州银行：李常青独立董事任职资格获监管机构核准

5. Hangzhou Bank: >. .........................................................................................................................................................

11月27日讯，杭州银行公告，近日，公司收到《中国银保监会浙江监管局关于李常青任职资格的批复》。中国银保监会浙江监管局已核准李常青的公司独立董事任职资格。

On November 27, Hangzhou Bank announced that in recent days, the company had received an approval from the Zhejiang Supervisory Authority of the China Silver Insurance Board regarding Li Changqing’s eligibility for office. The Zhejiang Supervisory Board of the China Silver Insurance Supervisory Board has approved Li’s eligibility for the post of independent director of the company.

6.农业银行：汇市剧烈波动 部分结构性存款产品仅获低收益概率升高

6. Agricultural banks: The probability of low returns for some structural deposit products is higher

11月27日讯，农业银行近日公告称，当前国际市场密切关注新冠疫情、美国总统选举等事件，外汇市场发生了较为剧烈的波动。受欧元兑美元汇率上行影响，以下农行发行的结构性存款产品，仅能获得低收益的概率有所升高。农行并提醒，考虑到外汇市场可能出现的不确定性，购买以上结构性存款的广大客户及时关注市场波动情况。

On November 27, the Agricultural Bank announced in a recent announcement that the current international market is closely following events such as the new crown epidemic and the United States presidential election, and that the foreign exchange market has become more volatile. As a result of the upward movement of the euro against the United States dollar, there is a higher probability that the following agro-banks will be able to deliver only low returns.

7.华夏银行：科技子公司三年内将扩容至3000人

7. Warscha Bank: Science and Technology will expand to 3,000 in three years

11月27日讯，华夏银行行长张健华今天在国际金融安全论坛中透露，华夏银行科技子公司成立一年多已经招了一千多人，三年内准备扩容至3000人。并透露，目前华夏银行行内科技人员逾700人，预计今年年底能达到2,000人，其中1,300人左右隶属于独立的科技公司。其表示，目前科技子公司只服务于华夏银行，未来或以开放式的心态与外界合作，包括允许一些技术类的服务外包。

On November 27, in a forum on international financial security today, the Governor of the Bank of Huaxia revealed that the Bank of Huaxia's technology subsidiary had been established for more than a thousand years and was ready to expand to 3,000 within three years. It also revealed that, at present, there are more than 700 technologists in the Bank of Huaxia and that it is expected to reach 2,000 by the end of this year, of whom some 1,300 belong to independent science and technology companies.

8.成都银行：完成发行60亿元无固定期限资本债券

8. Capital bank: completed the issuance of $6 billion in open-term capital bonds

11月26日讯，成都银行公告，经中国人民银行和中国银行保险监督管理委员会四川监管局批准，公司近日在全国银行间债券市场成功发行“成都银行股份有限公司2020年无固定期限资本债券”。本期债券于2020年11月24日簿记建档，并于11月26日发行完毕，发行规模为人民币60亿元，前5年票面利率为4.8%，每5年调整一次，在第5年及之后的每个付息日附发行人有条件赎回权。

On 26 November, Chengdu Bank announced that, with the approval of the People's Bank of China and the Sichuan Supervisory Authority of the Insurance Supervisory Board of the Bank of China, the company had recently succeeded in issuing “Congress Bank Limited's Open-Term Capital Bonds for 2020” on the national interbank bond market. The current bond was filed on 24 November 2020 and released on 26 November, with an amount of RMB 6 billion, with a nominal interest rate of 4.8 per cent for the first five years, adjusted every five years, with a conditional foreclosure for each day of interest paid in the fifth year and thereafter.

9.浙商银行：拟发行不超250亿元减记型无固定期限资本债券

9. Zapbank: to issue no more than $25 billion in write-down capital bonds

11月26日讯，浙商银行公告，公司第五届董事会2020年度第六次临时会议决议，审议通过《关于浙商银行发行减记型无固定期限资本债券的议案》，发行规模不超过人民币250亿元。减记型无固定期限资本债券，符合《商业银行资本管理办法(试行)》以及《关于商业银行资本工具创新的指导意见(修订)》相关规定，可用于补充商业银行其他一级资本。

On November 26, Merchant Bank announced that the company’s fifth board of directors, at its sixth interim session in 2020, had decided to consider the adoption of a bill on the issuance of deflated capital bonds of up to 25 billion yuan yuan. The deflated fixed-term capital bonds, in line with the relevant provisions of the Commercial Bank Capital Management Scheme (pilot) and the Guidance on Innovation in Commercial Bank Capital Tools (Amendment), could be used to supplement other levels of commercial banks’ capital.

10.浙商银行：拟出资20亿元设立浙银理财有限责任公司

10. Zapbank: proposed $2 billion to set up a silver limited liability company

11月26日讯，浙商银行公告，拟出资人民币20亿元，全资设立浙银理财有限责任公司。

On 26 November, the Bank of Chests announced that it intended to contribute 2 billion yuan in funds to set up a company with limited financial responsibility for silver.

11.苏州银行：李伟副行长任职资格获核准

11. Suzhou Bank: Vice President Li Wei has been accredited

11月26日讯，苏州银行公告，公司近日收到《中国银保监会江苏监管局关于李伟任职资格的批复》，核准李伟公司副行长的任职资格。

On 26 November, the bank of Suzhou announced that the company had recently received a " Revocation of Li Wei's Qualifications by the Jiangsu Supervisory Authority of the China Silver Insurance Supervisory Board ", approving the post of Vice-President of Li Wei.

12.农业银行：调整汇市宝双向个人外汇买卖交易业务

12. Agricultural banks: adjustment of foreign exchange transactions between two branches of the money transfer market and individuals

11月26日讯，农业银行调整汇市宝双向个人外汇买卖交易业务，新版业务协议进一步明确双方权利义务，完善限制交易、协议终止等条款，交易规则修订内容包括但不限于提高客户风险承受能力等级要求、新增产品适合度评估、调高各品种起点交易数量等事项。

On 26 November, the Bank of Agriculture adjusted the foreign-exchange transactions between the two branches of the money transfer market, the new version of the business agreement further clarified the rights and obligations of the parties and refined the provisions restricting transactions, termination of agreements, etc. The revised rules of the transaction included, but were not limited to, the enhancement of customer risk tolerance requirements, the assessment of suitability of new products, and an increase in the number of start-up transactions of various varieties.

13.交通银行：拟通过子公司投资参与设立清华交银科创(上海)基金

13. Transport banks: to participate in the establishment of the Qinghua Silver and Silver (Shanghai) Fund through the investment of subsidiaries

11月26日讯，交通银行公告，公司拟通过下属子公司投资参与设立清华交银科创(上海)基金，投资总金额人民币15亿元，分别由交银金融资产投资有限公司出资人民币11亿元、交银国际信托有限公司出资人民币4亿元。上述资金分期出资到位。会议同意授权高级管理层具体办理与本次投资相关的各项事宜。

On November 26, the Transport Bank announced its intention to participate in the establishment of the Qinghua Silver and Silver (Shanghai) Fund through the investment of subsidiaries, with a total investment of RMB 1.5 billion, to be financed by the Banked Financial Assets Investment Corporation Ltd. and RMB 400 million by the Banked International Trust Ltd. The above-mentioned funds are financed in instalments. The meeting agreed to authorize senior management to deal specifically with matters related to this investment.

14.交通银行：拟发行总额不超过1400亿元的减记型二级资本债券

14. Transport banks: proposed to issue write-down capital bonds up to a total of $140 billion

11月26日讯，交通银行公告，公司董事会同意公司在境内外市场发行总额不超过人民币1400亿元或等值外币的减记型二级资本债券。会议同意将该议案提交本公司股东大会审议批准。

On November 26, the Transport Bank announced that the company’s board of directors had agreed to issue deflated second-class capital bonds in the domestic and foreign markets up to a total of RMB 140 billion or its equivalent in foreign currency. The meeting had agreed to submit the bill to its shareholders’ assembly for consideration and approval.

15.江苏银行：12月3日-16日“苏银转债”停止转股及交易

15. Jiangsu Bank: 3-16 December “Sweeds-Somber-to-debts” stopped transferring shares and trading

11月25日讯，江苏银行公告，根据此次配股发行相关流程及安排，自2020年12月3日至2020年12月16日期间，“苏银转债”停止转股，转股代码(190053)停止交易。

On 25 November, Jiangsu Bank announced that, in accordance with the procedures and arrangements for the distribution of the joint stock, “Seam and Silver” had stopped transferring shares and transferring shares codes (190053) between 3 December 2020 and 16 December 2020.

16.成都银行逾7000万股股权被司法拍卖

16. More than 70 million shares of Chengdu Bank were auctioned by the judiciary

11月25日讯，京东司法拍卖平台显示，成都银行有三笔合计超7000万股权被挂出计划拍卖，预计拍卖开始时间在11月30日，目前每笔股权都有超7000次围观。同时，从财报数据看，该行整体经营尚可，不良率下降，只是第三季度单季净利润下降，而关注类、次级类、可疑类贷款的上升加大不良反弹的风险，同时该行的第五大贷款行业建筑业不良率居前十大贷款行业之首。从资本市场表现到公司经营状况，是否能为本次拍卖加分，还要看最终结果。据京东司法拍卖平台信息显示，怡和集团、仁诚贸易、高威投资三家公司持有的成都银行无限售条件流通A股，将于11月30日-12月1日被四川省成都市中级人民法院公开拍卖，所持股份依次为5000万股（起拍价5.35亿元）、1090.99万股（起拍价1.17亿元）、1119.49万股（起拍价1.19亿元）。

On 25 November, according to the Kyoto judicial auction platform, Chengdu Bank had three planned auctions totalling more than 70 million shares, which were expected to start on 30 November, with more than 7,000 per shareholds. At the same time, according to financial reporting data, the business as a whole has been operating at a reduced rate, except for the third quarter, when net profits have declined, while concerns about the rise in class, sub-category, suspect types of loans have increased the risk of a negative rebound, while the construction sector in the fifth largest lending sector of the bank is at the top of the top ten lending industries. From the capital market to the company’s operating position, the final result is whether it can be added to the auction. According to information from the Kyoto judicial auction platform, Ie and Group, Inchen Trade, Gowe Investment Three companies hold an unlimited circulation of A shares in Chengdu banks, which will be auctioned on 30 November and 1 December by the Central People’s Court in Sichuan, with an interest of 50 million shares (from $5.35 million), 10.9 million (from $1.17 million) and 1.19 million (from 1.49 million).

17.交通银行完成中资银行首单境外永续债发行

17. Completion of the issuance of the first foreign-resistible debt of a Chinese-owned bank

近日，交通银行在境外市场成功完成28亿美元无固定期限资本债券（永续债）发行，最终票面利率3.8%。本次发行是2019年中资银行永续债品种推出以来的首次出海，单触发条件和减记吸损条款真正实现与国际惯例接轨，创下2020年以来全球美元其他一级资本永续债券最大发行规模，拓展了交行多元化资本补充渠道。

In recent days, the Transport Bank has successfully completed the issuance of $2.8 billion in fixed-term capital bonds (permanent debt) in offshore markets, with a final nominal interest rate of 3.8 per cent, the first time since the introduction of a sustainable debt stock of bankers in mid-2019, and the single trigger conditions and de-sortization clauses have truly been brought into line with international practice, leading to the largest issuance of other dollar-level sustainable bonds since 2020 and expanding the channels for diversification capital replenishment.

18.中信银行：董事会同意聘任芦苇为副行长

18. Sino-Bank: Board of Directors agreed to appoint Reed as Vice-President

11月24日讯，中信银行公告，董事会同意聘任芦苇先生为本行副行长，自监管机构核准其任职资格之日起正式就任。

On 24 November, the Bank announced that the Board of Directors had agreed to appoint Mr. Reed as Vice-President of the Bank and that he would take office on the day the regulatory body approved his eligibility for office.

19.浦发银行：完成发行500亿元无固定期限资本债券

19. Pouphound Bank: completes the issuance of $50 billion in open-term capital bonds

11月24日讯，浦发银行公告，经中国银行保险监督管理委员会和中国人民银行批准，公司在全国银行间债券市场发行“上海浦东发展银行股份有限公司2020年无固定期限资本债券”，并在中央国债登记结算有限责任公司完成债券登记和托管。本期债券于2020年11月19日簿记建档，并于2020年11月23日完成发行。本期债券发行规模为人民币500亿元，前5年票面利率为4.75%，每5年调整一次，在第5年及之后的每个付息日附发行人有条件赎回权。

On 24 November, the bank announced that, with the approval of the China Bank Insurance Supervisory Board and the People's Bank of China, the company had issued “Shanghai Podong Development Bank Limited's Open Term Capital Bonds for 2020” on the national interbank bond market and had completed the registration and hosting of bonds with the Central State Debt Register Settlement Limited. The current bond was filed in books on 19 November 2020 and was issued on 23 November 2020. The current bond issue was RMB 50 billion, with a nominal interest rate of 4.75 per cent for the first five years, adjusted every five years, with a conditional foreclosure from the issuer on each date of interest payments in the year 5 and beyond.

20.中国银行：第一期境内优先股赎回及摘牌完成

20. Bank of China: Repository and de-carding of priority shares in the first instalment

11月24日讯，中国银行公告，公司已于2020年11月23日向2020年11月20日在中国结算上海分公司登记在册的公司第一期优先股股东足额支付该次优先股票面金额及2019年11月21日至2020年11月20日持有期间的股息，共计人民币339.20亿元，赎回公司全部已发行的3.2亿股第一期境内优先股。公司今日收到中国结算上海分公司的有关通知，第一期境内优先股已注销。根据上海证券交易所有关通知，上海证券交易所已终止对公司第一期境内优先股提供转让服务。公司第一期境内优先股的赎回及摘牌已完成。

On 24 November, the Chinese bank announced that on 23 November 2020, the company had paid in full the amount of the first priority shares of the company registered with the Shanghai branch in China on 20 November 2020 and the dividends of the first priority stock, held between 21 November 20th and 20 November 2020, in the total amount of 33.920 billion yuan yuan, to redeem all of the 320 million first priority shares issued by the company. The company was notified today of the closing of the Shanghai branch in China, and the first priority shares in China have been cancelled. According to the notification of the Shanghai Stock Exchange, the Shanghai Stock Exchange terminated the transfer service to the first priority shares in the company. The first priority shares in the company have been redeemed and removed.

21.成都银行：24.43万股限售股11月30日解禁

21. Chengdu Bank: 24.43 million restricted shares released on 30 November

11月24日讯，成都银行公告，本次限售股上市流通股份为24.425万股首次公开发行限售股，上市流通日期为2020年11月30日。

On 24 November, the Chengdu Bank announced that the first public distribution of the restricted shares in the current limited stock market was 244.225 million shares, and that the date of the circulation on the market was 30 November 2020.

22.交通银行：首席风险官张辉因工作调动原因辞职

22. Transport Bank: Chief Risk Officer Zhang Hui resigned as a result of his reassignment

11月24日讯，交通银行公告，张辉因工作调动原因，今日已向公司董事会提交书面报告，辞去公司首席风险官职务，辞任自2020年11月24日起生效。张辉已确认与公司董事会和高管层没有任何意见分歧，同时也没有任何与辞任有关而需要通知公司股东和债权人的事项。

On 24 November, the Transport Bank announced that Zhang Hui, for reasons of mobility, had today submitted a written report to the company’s board of directors, resigning from his post as the company’s chief risk officer, with effect from 24 November 2020. Zhang Hui has confirmed that there are no differences of opinion with the company’s board of directors and senior management, and that there are no matters relating to his resignation that require notification to the company’s shareholders and creditors.

23.银保监会原则同意包商银行进入破产程序

23. SISB principles agree that a contractor bank is subject to insolvency proceedings

11月23日讯，银保监会公告称，原则同意包商银行进入破产程序，你行应严格按照有关法律法规要求开展后续工作，如遇重大情况，及时向银保监会报告。

On 23 November, the SISCO announced that it was agreed in principle that the charter bank should be subject to insolvency proceedings and that follow-up should be carried out in strict compliance with the relevant laws and regulations and, in serious cases, in a timely manner.

24.交通银行：李晓慧董事任职资格获监管机构核准

24. Transport Bank: approved by the regulatory authority for the appointment of Director Lee Xiao Hui

11月23日讯，交通银行公告，公司今日收到《中国银保监会关于交通银行李晓慧任职资格的批复》，中国银保监会已核准李晓慧任公司独立非执行董事的任职资格，自2020年11月18日起生效。由于工作安排原因，根据公司2019年度股东大会决议，自李晓慧的独立非执行董事任职资格获中国银保监会核准之日起，刘力不再担任公司独立非执行董事、董事会审计委员会主任委员、董事会风险管理与关联交易控制委员会委员。

On 23 November, the Transport Bank announced that the company had received today the approval of the China Silver Insurance Supervisory Board on the eligibility of Li Xiao Hui to serve as a transport bank, and that the China Silver Insurance Supervisory Board had approved the eligibility of Li Xiao Hui to serve as an independent non-executive director with effect from 18 November 2020. As a result of the organization of work, Liu ceased to serve as an independent non-executive director of the company, as a member of the Board's Board's Board of Auditors, and as a member of the Board's Committee for Control of Risk Management and Associated Transactions from the date on which Li's independent non-executive director's eligibility for appointment was approved by the China Bank Insurance Supervisory Board in 2019, in accordance with the Company's General Shareholders'resolution.

25.银保监会批复同意百信银行发行不超过16.34亿股股份的增资扩股方案

25. The Board of Governors of the Bank agreed to issue an enhanced equity programme of up to 1,634 million shares .

11月23日讯，银保监会批复同意百信银行发行不超过16.34亿股股份的增资扩股方案，同意中信银行认购9.01亿股股份，同意加拿大养老基金投资公司认购4.66亿股股份。

On 23 November, the Superintendence of Silver Insurance granted approval to BKW to issue an enhanced equity programme of up to 1,634 million shares, to BKC to subscribe to 901 million shares and to the Canadian Pension Fund Investment Corporation to subscribe to 466 million shares.

26.苏农银行：7780万股限售股11月30日解禁

26. Sunan Bank: 77.8 million restricted shares released on 30 November

11月23日，苏农银行公告，本次限售股上市流通股份为7780.1966万股首次公开发行部分限售股(自律锁定)，上市流通日期为2020年11月30日。

On 23 November, the Bank of Shunan announced that the current restricted share marketed was 77,801.66 million shares (self-imposed lock-in) for the first public part of the restricted share market, which was dated 30 November 2020.

来源：财联社

Source: IFA.

原标题：银行周报（11月30日）

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