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Regulatory penalties & compliance监管处罚与合规
42 · 2024-01-02 → 2026-08-17
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Recurring fines and warnings from various regulators for operational and compliance failures.因运营和合规失误频繁受到各地监管机构的罚款和警告。
2024-01-02Ganzhou branch of China Minsheng Bank fined 300,000 yuan for incorrect enterprise classification leading to inadequate implementation of small-micro enterprise service fee reduction policy; relevant manager Wen Binxin warned.民生银行赣州分行因企业划型错误导致小微企业服务收费减免政策执行不到位被罚30万元；相关负责人温彬昕被警告。
2024-01-05Chen Xi, general manager of retail finance department of Minsheng Bank Changzhou sub-branch, warned for unauthorized termination of branch operations without regulatory approval.民生银行常州支行零售金融部总经理陈希因未经批准终止分支机构营业被警告。
2024-01-08Minsheng Bank Zhangzhou branch fined 300,000 yuan for inadequate due diligence and imprudent loan management in personal business loans.民生银行漳州分行因个人经营性贷款'三查'不尽职、贷款管理不审慎被罚30万。
2024-01-30Minsheng Bank Datong branch fined; multiple branches (Quanzhou, Changzhou, Yancheng, Ganzhou) received penalties totaling over 2 million yuan in January 2024 for various violations.民生银行大同分行被罚；1月内泉州、常州、盐城、赣州多家分行合计被罚逾两百万元。
2024-02-05CMBC and its branches receive fines totaling over 4 million yuan in January 2024, including a 1.1 million yuan fine for Yancheng branch due to bill business and loan management violations.2024年1月民生银行及其分支行累计收到超400万元罚单，其中盐城分行因票据业务和贷款管理违规被罚110万元。
2024-04-10CMBC Nanchang branch was fined 400,000 yuan by the NFRA Jiangxi bureau for inadequate internal control on service fee collection and illegally charging small enterprises for credit reference certificates; three executives were warned and fined a total of 210,000 yuan.民生银行南昌分行因涉企服务收费内控不到位、违规收取小微企业资信证明类费用，被江西监管局罚款40万元；三名责任人被警告并合计罚款21万元。
2024-04-19CMBC Wuhan branch was fined 1.5 million yuan by NFRA Hubei bureau for inadequate loan investigation; one employee was banned from banking for 7 years, another for 3 years, and two executives were warned.民生银行武汉分行因贷款三查不到位被湖北监管局罚款150万元；一名员工被禁业7年，一名被禁业3年，两名高管被警告。
2024-04-22CMBC Shanghai branch was fined 300,000 yuan by NFRA Shanghai bureau for illegally passing on costs to enterprises.民生银行上海分行因违规向企业转嫁费用被上海监管局罚款30万元。
2024-06-21CMBC Ningbo Branch was fined 2.3 million yuan and CMBC Credit Card Center Ningbo Branch was fined 0.7 million yuan by NFRA for weak employee management, inadequate credit management, and data governance deficiencies.民生银行宁波分行因员工管理薄弱、信贷管理不审慎、数据治理缺陷等被罚230万元，信用卡中心宁波分中心被罚70万元。
2024-06-28CMBC Honghe Branch was fined 300,000 yuan by NFRA for failing to implement fee concessions for small and micro enterprise customers.民生银行红河分行因未对小微企业客户执行收费优惠，被国家金融监督管理总局罚款30万元。
2024-07-01CMBC Ningbo Branch and Credit Card Center fined a total of 3 million yuan for multiple violations; CMBC also filed a lawsuit against the 'Fankong' group and Lu Zhiqiang for overdue loans exceeding 5.4 billion yuan.民生银行宁波分行及信用卡中心因多项违规被合计罚款300万元；民生银行还就泛海系及卢志强逾期贷款超54亿元提起诉讼。
2024-07-10Shanghai Jiading Minsheng Village Bank was fined 1.4 million yuan by the NFRA for four serious violations, including personal loan funds illegally flowing into the stock market.上海嘉定民生村镇银行因个人贷款资金违规流入股市等四项严重违规被国家金融监管总局罚款140万元。
2024-10-18Minsheng Bank Xi'an West Street Sub-branch and Xi'an Tumen Sub-branch were each fined 150,000 yuan and 190,000 yuan by the Shaanxi Regulatory Bureau of the National Financial Regulatory Administration for deceiving policyholders in insurance business activities; two employees were fined 3,000 yuan each.民生银行西安西大街支行和土门支行因在办理保险业务中欺骗投保人，分别被陕西监管局罚款15万元和19万元，两名员工各罚3000元。
2024-11-01Xi'an Taibai Road sub-branch fined 350,000 yuan by Shaanxi Financial Regulatory Bureau for imprudent loan management; assistant branch manager Song Lei warned.民生银行西安太白路支行因贷款管理不审慎被陕西监管局罚款35万元，时任行长助理宋磊受到警告。
2024-11-01Nanjing Lishui sub-branch issued a warning letter by Jiangsu Securities Regulatory Bureau for illegal fund sales, including promising returns and failing to verify investor risk profiles.民生银行南京溧水支行因基金销售违规承诺收益、未核实投资者风险测评等行为，被江苏证监局出具警示函。
2024-11-22Yantai branch fined 200,000 yuan by Yantai Financial Regulatory Bureau for failing to submit reports as required.烟台分行因未按照规定报送报表被烟台监管分局罚款20万元。
2024-12-13Minsheng Bank Xiamen Branch was ordered to rectify by the Xiamen CSRC for violations in fund sales, including inadequate investor due diligence and failure to report anti-money laundering information.民生银行厦门分行因基金销售业务中未充分了解投资者财务状况、未报备反洗钱信息等违规行为，被厦门证监局责令改正。
2024-12-20Minsheng Bank Taiyuan Pingyang Road Branch was fined 500,000 yuan by the Shanxi Financial Regulatory Bureau for inadequate pre-loan due diligence.民生银行太原平阳路支行因贷前调查不尽职，被山西监管局罚款50万元。
2024-12-24Minsheng Bank Shanghai Huangpu and another sub-branch were fined a total of 400,000 yuan by the Shanghai Financial Regulatory Bureau for serious violations of prudent lending rules.民生银行上海黄浦支行等2家支行因贷款管理严重违反审慎经营规则，合计被上海监管局罚款40万元。
2025-01-14Minsheng Bank was fined 10,000 yuan by the Beijing Xicheng District Fire Rescue Department for fire safety violations (faulty emergency broadcast, smoke exhaust, and fire doors).民生银行因消防设施未保持完好有效（应急广播、排烟口、防火门故障）被西城区消防救援局罚款1万元。
2025-01-20Minsheng Bank Xi'an Branch was fined 720,000 yuan by the Shaanxi Regulatory Bureau for improper loan management and agency business management.民生银行西安分行因贷款管理不审慎、代销业务管理不到位被陕西监管局罚款72万元。
2025-01-27Minsheng Bank was fined 17.055 million yuan and had illegal income of 990,689.37 yuan confiscated by the People's Bank of China for 8 violations including failure to identify customers and obstructing supervision.民生银行因8项违法行为（含未识别客户身份、妨碍监管）被中国人民银行警告，没收违法所得99.07万元，罚款1705.5万元。
2025-02-14CMBC Quanzhou branch was fined 2.5 million yuan by the NFRA Quanzhou office for violations including inadequate loan investigation, improper NPL disposal, and imprudent property loan issuance.民生银行泉州分行因个人贷款调查不尽职、不良资产处置不合规、经营性物业贷款不审慎等违规行为被国家金融监督管理总局泉州监管分局罚款250万元。
2025-02-18CMBC Yanbian branch was fined 300,000 yuan by the NFRA Yanbian office for inadequate post-loan inspection leading to loan fund backflow and NPL formation.民生银行延边分行因贷后检查不尽职导致信贷资金回流形成不良贷款，被国家金融监督管理总局延边监管分局罚款30万元。
2025-06-11Minsheng Bank Weihai Branch was fined RMB 685,000 and warned by the People's Bank of China for four violations including failure to report large or suspicious transactions.民生银行威海分行因未按规定报送大额或可疑交易报告等四项违法行为，被中国人民银行警告并罚款68.5万元。
2025-07-24Minsheng Bank Shenyang Branch was fined 600,000 yuan by the Liaoning Financial Regulatory Bureau for allowing credit funds to flow back to borrowers and issuing loans exceeding working capital needs.民生银行沈阳分行因信贷资金回流至借款人、超流动资金需求发放贷款，被辽宁金融监管局罚款60万元。
2025-08-01Minsheng Bank Haikou Branch fined 950,000 yuan by Hainan Financial Regulatory Bureau for inadequate loan and bill management; two individuals warned.民生银行海口分行因贷款和票据管理不尽职被海南金融监管局罚款95万元；两名责任人被警告。
2025-08-04Minsheng Bank Sanya Branch fined 550,000 yuan by Hainan Financial Regulatory Bureau for inadequate fixed-asset loan management.民生银行三亚分行因固定资产贷款管理不尽职被海南金融监管局罚款55万元。
2025-08-06Minsheng Bank Jilin Branch fined 300,000 yuan by Jilin Financial Regulatory Bureau for inaccurate risk classification of restructured loans.民生银行吉林分行因重组贷款风险分类不准被吉林金融监管局罚款30万元。
2025-10-21CMBC Haikou branch fined 950,000 yuan for inadequate loan and bill management; Shenyang branch fined 600,000 yuan; Yanbian branch fined 300,000 yuan. Total fines in 2025 exceeded 26 million yuan.民生银行海口分行因贷款及票据管理不尽职被罚95万元；沈阳分行被罚60万元；延边分行被罚30万元。2025年累计被罚金额超过2600万元。
2025-10-31CMBC fined 58.65 million yuan by the National Financial Regulatory Administration for improper loan, bill, and interbank business management, and regulatory data reporting violations.民生银行因贷款、票据、同业等业务管理不审慎及监管数据报送不合规，被国家金融监督管理总局罚款5865万元。
2025-10-31National Financial Regulatory Administration fined CMBC RMB 58.65 million for imprudent management of loans, bills, and interbank business, and non-compliant regulatory data reporting. Six responsible individuals fined RMB 360,000 in total.国家金融监管总局对民生银行罚款5865万元，原因为贷款、票据、同业业务管理不审慎及监管数据报送不合规，六名责任人合计被罚36万元。
2025-12-07CMBC was fined by the People's Bank of China for multiple violations including account management, clearing rules, and anti-counterfeit currency rules; confiscated 990,000 yuan and fined 17.06 million yuan; several individuals also fined.民生银行因违反账户管理、清算管理、反假货币等多项规定被央行警告，没收违法所得99万元并罚款1706万元；多名责任人被罚。
2025-12-30CMBC was fined 2.2 million yuan by Ningbo Financial Regulatory Bureau for imprudent loan/investment business management and asset impairment provisioning; responsible person Wang Fang was warned.民生银行因贷款、投资业务管理不审慎及资产减值计提不审慎被宁波金融监管局罚款220万元，责任人王芳被警告。
2026-01-04CMBC fined 2.2 million yuan by Ningbo regulator for imprudent loan/investment management and asset impairment provisions.民生银行因贷款、投资业务管理不审慎及资产减值计提不审慎，被宁波监管局罚款220万元。
2026-01-07CMBC Jining branch fined 350,000 yuan for inadequate pre-loan investigation; branch manager warned.民生银行济宁分行因贷前调查不到位被罚35万元，时任营业部总经理被警告。
2026-01-29CMBC Nanjing branch fined 700,000 yuan for inadequate trade background verification and excessive fees on domestic letters of credit; deputy general manager fined 60,000 yuan.民生银行南京分行因国内信用证业务贸易背景审核不到位、超标准收费被罚70万元，交易银行部副总经理被罚6万元。
2026-03-06CMBC received multiple fines totaling at least 2.45 million yuan in 2026, including a 450,000 yuan fine for the Xi'an branch for non-prudent mortgage loan management and a 700,000 yuan fine for the Nanjing branch for inadequate trade background review of domestic letters of credit and excessive fees.民生银行2026年收到多张罚单，罚没金额合计不低于245万元，包括西安分行因按揭贷款业务管理不审慎被罚45万元，南京分行因国内信用证业务贸易背景审核不到位、超标准收费被罚70万元。
2026-03-27CMBC Harbin Branch was warned and fined 666,500 yuan by the People's Bank of China Heilongjiang Branch for violating financial statistics regulations, account management, anti-counterfeit currency management, RMB circulation management, and failing to conduct proper customer due diligence.民生银行哈尔滨分行因违反金融统计、账户管理、反假货币、人民币流通管理规定及未按规定开展客户尽职调查，被中国人民银行黑龙江省分行警告并罚款66.65万元。
2026-05-28CMBC Zhengzhou branch was fined RMB 300,000 by the Henan Financial Regulatory Bureau for illegally paying commissions to real estate intermediaries.民生银行郑州分行因违规向房地产中介机构支付佣金，被河南金融监管局罚款30万元。
2026-08-17CMBC announced system upgrade on Aug 23, 00:00-05:00, suspending online/mobile banking, POS, quick payment, etc.民生银行公告8月23日00:00-05:00系统升级，暂停网银、手机银行、POS、快捷支付等业务。
2026-08-17CMBC announced retail loan system upgrade on Aug 23, 00:00-06:00, suspending loan services on mobile banking, WeChat mini-program, etc.民生银行公告8月23日00:00-06:00零售贷款系统升级，暂停手机银行、微信小程序等渠道贷款服务。
Executive appointments & board changes高管任命与董事会变动
67 · 2024-01-04 → 2026-06-18
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Approvals, resignations, and appointments of senior executives and board members.高级管理人员和董事会成员的批准、辞职和任命。
2024-01-04Xiao Nan approved as vice president of Minsheng Bank Changde branch by National Financial Regulatory Administration Changde office.肖楠获批任职为民生银行常德分行副行长。
2024-02-23National Financial Regulatory Administration approves Li Bin as CMBC board secretary, effective from February 22, 2024.国家金融监督管理总局核准李彬担任民生银行董事会秘书的任职资格，自2024年2月22日起生效。
2024-02-23National Financial Regulatory Administration approves Cheng Fengchao as CMBC independent non-executive director, effective from February 22, 2024; Peng Xuefeng steps down after six-year term.国家金融监督管理总局核准程凤朝担任民生银行独立非执行董事，自2024年2月22日起生效；彭雪峰任期届满离任。
2024-03-01Li Bin approved by National Financial Regulatory Administration as Board Secretary of China Minsheng Bank.李彬获国家金融监督管理总局核准担任中国民生银行董事会秘书。
2024-03-01Cheng Fengchao approved by National Financial Regulatory Administration as Independent Director of China Minsheng Bank.程凤朝获国家金融监督管理总局核准担任中国民生银行独立董事。
2024-03-12Zheng Wanchun resigned as Vice Chairman, Executive Director, and President of Minsheng Bank due to age retirement, effective March 12, 2024.郑万春因到龄退休辞任民生银行副董事长、执行董事、行长等职务，自2024年3月12日起生效。
2024-03-12Yuan Guijun resigned as Executive Director and Vice President of Minsheng Bank due to age retirement, effective March 12, 2024.袁桂军因到龄退休辞任民生银行执行董事、副行长等职务，自2024年3月12日起生效。
2024-03-12Minsheng Bank appointed Wang Xiaoyong as President, Zhang Juntong and Huang Hongri as Vice Presidents, pending regulatory approval.民生银行聘任王晓永为行长，聘任张俊潼、黄红日为副行长，待监管核准。
2024-03-12Wang Yugui resigned as External Supervisor of Minsheng Bank due to six-year term limit, effective March 12, 2024.王玉贵因任职满六年辞任民生银行外部监事，自2024年3月12日起生效。
2024-03-14Liu Hanxing approved by National Financial Regulatory Administration as Independent Non-executive Director of Minsheng Bank, effective March 14, 2024.刘寒星获国家金融监督管理总局核准担任民生银行独立非执行董事，自2024年3月14日起就任。
2024-03-18Wang Lei approved by Tangshan Financial Regulatory Office as Vice President of Minsheng Bank Shijiazhuang Branch.王垒获唐山监管分局批准担任民生银行石家庄分行副行长。
2024-04-11NFRA Hengyang bureau approved Zeng Yang's qualification as president of CMBC Changsha branch.国家金融监督管理总局衡阳监管分局核准曾扬民生银行长沙分行行长任职资格。
2024-04-23CMBC board of directors nominated Wang Xiaoyong as executive director candidate; Gong Zhijian resigned as employee supervisor.民生银行董事会提名王晓永为执行董事候选人；龚志坚辞去职工监事职务。
2024-04-26CMBC board appointed Gong Zhijian as business director; his qualification is subject to NFRA approval.民生银行董事会聘任龚志坚为业务总监，任职资格尚待国家金融监督管理总局核准。
2024-04-30NFRA approved Wang Xiaoyong's qualification as president of CMBC, effective from April 30, 2024.国家金融监督管理总局核准王晓永担任民生银行行长的任职资格，自2024年4月30日起就任。
2024-05-08Wang Xiaoyong's qualification as CMBC President was approved by the National Financial Regulatory Administration (NFRA).国家金融监督管理总局核准王晓永担任民生银行行长的任职资格。
2024-05-14Zhang Juntong and Huang Hongri were approved by the NFRA to serve as Vice Presidents of CMBC.国家金融监督管理总局核准张俊潼、黄红日担任民生银行副行长的任职资格。
2024-05-29Gong Zhijian's qualification as CMBC Business Director was approved by the NFRA, effective May 27.国家金融监督管理总局核准龚志坚担任民生银行业务总监的任职资格，自5月27日起就任。
2024-06-05CMBC approved Gong Zhijian as Business Director (业务总监) by the National Financial Regulatory Administration (NFRA), effective from May 27, 2024.国家金融监督管理总局核准龚志坚担任民生银行业务总监的任职资格，自2024年5月27日起就任。
2024-06-07CMBC's employee congress elected Long Ping as a staff supervisor, effective June 7, 2024.民生银行职工代表大会选举龙平为职工监事，自2024年6月7日起就任。
2024-06-26CMBC's 9th Board of Directors elected Gao Yingxin as Chairman, and Zhang Hongwei, Liu Yonghao, and Wang Xiaoyong as Vice Chairmen; Wang Xiaoyong was reappointed as President.民生银行第九届董事会选举高迎欣为董事长，张宏伟、刘永好、王晓永为副董事长；续聘王晓永为行长。
2024-07-04CMBC held its 2023 annual general meeting, electing Gao Yingxin as Chairman, Zhang Hongwei, Liu Yonghao, Wang Xiaoyong as Vice Chairmen, and reappointing Wang Xiaoyong as President, along with other senior management appointments.民生银行召开2023年度股东大会，选举高迎欣为董事长，张宏伟、刘永好、王晓永为副董事长，续聘王晓永为行长等高管。
2024-08-02Gao Longlong's qualification as assistant president of Minsheng Bank Lvliang Branch was approved by the Lvliang Regulatory Office of the National Financial Regulatory Administration.高龙龙担任民生银行吕梁分行行长助理的任职资格获国家金融监督管理总局吕梁监管分局批准。
2024-08-12Gao Shengyang's qualification as vice president of Minsheng Bank Panjin Branch was approved by the Panjin Regulatory Office of the National Financial Regulatory Administration.高升阳任民生银行盘锦分行副行长的任职资格获国家金融监督管理总局盘锦监管分局核准。
2024-08-13Minsheng Bank's Supervisory Board Vice Chairman Yang Yu no longer concurrently serves as President of Beijing Branch; Li Wenshi, General Manager of the Head Office Strategic Customer Department, is proposed to succeed him as Beijing Branch President.民生银行监事会副主席杨毓不再兼任北京分行行长；总行战略客户部总经理李稳狮拟接任北京分行行长。
2024-08-24Zhao Qingqing's qualification as vice president of Minsheng Bank Urumqi Branch was approved by the Xinjiang Regulatory Bureau of the National Financial Regulatory Administration.赵青青任民生银行乌鲁木齐分行副行长的任职资格获国家金融监督管理总局新疆监管局批准。
2024-08-27The National Financial Regulatory Administration approved Wang Xiaoyong's qualification as director and vice chairman of Minsheng Bank.国家金融监督管理总局核准王晓永担任民生银行董事、副董事长的任职资格。
2024-09-03Wang Xiaoyong's qualifications as director and vice chairman of Minsheng Bank are approved by the National Financial Regulatory Administration.国家金融监督管理总局核准王晓永民生银行董事、副董事长的任职资格。
2024-09-04Zhang Juntong's qualifications as a director of Minsheng Bank are approved by the National Financial Regulatory Administration.国家金融监督管理总局核准张俊潼民生银行董事的任职资格。
2024-09-19Sun Wenran's qualification as vice president of Minsheng Bank Xining Branch is approved by Qinghai Financial Regulatory Bureau.青海金融监管局核准孙文然民生银行西宁分行副行长的任职资格。
2024-10-11Yang Yu resigned as Vice Chairman of the Supervisory Board, employee supervisor, and committee member due to retirement age.杨毓因到龄退休，辞去民生银行第九届监事会副主席、职工监事及相关委员会委员职务。
2024-11-12Hebei Financial Regulatory Bureau approved Liu Jiabing as president of Shijiazhuang branch.河北金融监管局核准刘加兵民生银行石家庄分行行长的任职资格。
2024-12-18Minsheng Bank's employee congress elected Mao Bin (毛斌) as the employee supervisor.民生银行职工代表大会选举毛斌为职工监事。
2025-01-06Li Wenshi's qualification as President of Minsheng Bank Beijing Branch was approved by the Beijing Financial Regulatory Bureau.北京金融监管局核准李稳狮民生银行北京分行行长的任职资格。
2025-01-09Minsheng Bank Fuzhou Branch received approval for Wang Wenjing as Vice President of Minsheng Bank Ningde Branch from the Fujian Regulatory Bureau.福建监管局核准王文静民生银行宁德分行副行长的任职资格。
2025-01-27Liang Xinjie's qualification as a director of Minsheng Bank was approved by the National Financial Regulatory Administration; he also serves on the Remuneration and Audit Committees.国家金融监督管理总局核准梁鑫杰民生银行董事任职资格，并担任薪酬与考核委员会和审计委员会委员。
2025-02-19Song Qiuhai was approved by the NFRA Zhejiang office to serve as vice president of CMBC Hangzhou branch.国家金融监督管理总局浙江监管局核准宋秋海担任民生银行杭州分行副行长。
2025-02-25Guo Xingbo was approved by the NFRA Heilongjiang office to serve as assistant president of CMBC Daqing branch.国家金融监督管理总局黑龙江监管局核准郭兴博担任民生银行大庆分行行长助理。
2025-02-27Lin Xiqing was approved by the NFRA Fujian office to serve as president of CMBC Putian branch.国家金融监督管理总局福建监管局核准林熙清担任民生银行莆田分行行长。
2025-03-03CMBC approved Gan Huimin as vice president of Haikou branch by Hainan regulator.海南监管局核准甘慧敏民生银行海口分行副行长任职资格。
2025-03-14CMBC Vice Chairman Zhang Hongwei resigned due to personal health reasons, effective March 15, 2025.民生银行副董事长张宏伟因个人身体原因辞职，自2025年3月15日起生效。
2025-03-27Regulator approved Xiang Fujie as president of CMBC Zunyi branch.监管核准项富杰民生银行遵义分行行长的任职资格。
2025-05-08Shaanxi regulator approved Ma Lusha as vice president of Minsheng Bank Xianyang branch.陕西监管局核准马璐莎民生银行咸阳分行副行长任职资格。
2025-05-21Guangdong regulator approved Lian Junjian as vice president of Minsheng Bank Zhongshan branch.广东监管局核准连俊坚民生银行中山分行副行长任职资格。
2025-06-11Minsheng Bank underwent a major reshuffle of middle-level management, including the transfer of Transaction Banking Department GM Yang Kunpeng to Hefei Branch President.民生银行中层管理人员迎来密集调整，交易银行部总经理杨鲲鹏调任合肥分行行长。
2025-06-13The Guizhou Regulatory Bureau approved Zhou Tao as Vice President of Minsheng Bank Bijie Branch.贵州监管局核准周涛民生银行毕节分行副行长的任职资格。
2025-06-26Minsheng Bank's AGM elected Zheng Haiyang as a non-executive director, with 98.79% approval from A-share shareholders.民生银行股东大会选举郑海阳为非执行董事，A股股东赞成率98.79%。
2025-06-26The Fujian Regulatory Bureau approved Wu Wentao as Vice President of Minsheng Bank Putian Branch.福建监管局核准吴文涛民生银行莆田分行副行长的任职资格。
2025-07-17Lin Li's qualification to serve as a director of Minsheng Bank was approved by the National Financial Regulatory Administration. Lin Li will serve on the ninth board of directors and the Strategy Development and Consumer Rights Protection Committee.林立担任民生银行董事的任职资格获得国家金融监督管理总局核准。林立将就任第九届董事会董事，并担任董事会战略发展与消费者权益保护委员会委员。
2025-07-23Shi Jie resigned as Vice President of Minsheng Bank due to reaching retirement age, effective July 23, 2025.石杰因到龄退休，申请辞去民生银行副行长职务，自2025年7月23日起生效。
2025-07-23Minsheng Bank's board decided to appoint Li Wenshi as Vice President, effective upon approval of his qualification by the National Financial Regulatory Administration. Li Wenshi currently serves as the President of Minsheng Bank Beijing Branch.民生银行董事会决定聘任李稳狮为副行长，自国家金融监督管理总局核准其任职资格之日起正式就任。李稳狮现任民生银行北京分行行长。
2025-08-08Minsheng Bank appointed Li Wenshi as vice president (pending regulatory approval); Deng Shasha promoted to general manager of Transaction Banking Department; Lei Meng appointed Nanning Branch deputy president; Zhao Weijia appointed Nanjing Branch deputy president.民生银行聘任李稳狮为副行长（待核准）；邓莎莎转正为交易银行部总经理；雷萌任南宁分行副行长；赵伟佳任南京分行副行长。
2025-08-18Ni Nan's qualification as deputy president of Minsheng Bank Shanghai Free Trade Zone Sub-branch was approved by the Shanghai Financial Regulatory Bureau.倪男任民生银行上海自贸试验区分行副行长的任职资格获上海金融监管局核准。
2025-08-29Li Wenshi's qualification as vice president of Minsheng Bank was approved by the National Financial Regulatory Administration, effective August 27.李稳狮任民生银行副行长的任职资格获国家金融监督管理总局核准，自8月27日起履职。
2025-10-16Zhang Jinhuang's qualification as deputy president of CMBC Quanzhou branch was approved by the Quanzhou Financial Regulatory Bureau.张金煌民生银行泉州分行副行长的任职资格获泉州金融监管分局核准。
2025-11-07National Financial Regulatory Administration approved Zheng Haiyang's qualification as a director of CMBC. He took office as a non-executive director and member of the Risk Management Committee.国家金融监管总局核准郑海阳担任民生银行董事的任职资格，就任非执行董事及风险管理委员会委员。
2025-11-13CMBC appointed Liu Yanbo as deputy general manager of Beijing branch (transferred from head of Personal Finance Department). Sun Xing, head of Credit Card Center, concurrently took over as head of Personal Finance Department.民生银行总行个人金融部总经理刘衍波调任北京分行副行长；信用卡中心总经理孙兴兼任个人金融部总经理。
2025-12-26CMBC board appointed Huang Hongri (Vice President) as Chief Compliance Officer, subject to regulatory approval.民生银行董事会聘任副行长黄红日为首席合规官，任职资格尚待金融监管总局核准。
2025-12-26CMBC board nominated Zhang Zhen as non-executive director candidate; Zhao Peng resigned as director and committee member effective December 26, 2025.民生银行董事会提名张震为非执行董事候选人；赵鹏辞去董事及委员会职务，自2025年12月26日生效。
2026-01-23Multiple mid-level executive changes at CMBC: Xu Wenhua appointed Guangzhou branch head; Sun Lin transferred to deputy head of Guangzhou branch; other branch deputy heads and card center VP confirmed.民生银行多位中层干部任职变动：徐文华任广州分行行长，孙霖拟任广州分行副行长，另有分行副行长、信用卡中心副总等任职落定。
2026-02-26CMBC appoints Shi Lei, former deputy head of Guangzhou branch, as general manager of the head office Credit Management Department; Zhang Xinran, head of the head office Retail Banking Planning Center, is proposed as deputy head of Shenyang branch.民生银行任命广州分行副行长石磊为总行信贷管理部总经理；总行个金部规划中心处长张欣然拟任沈阳分行副行长。
2026-03-24The Ningde Financial Regulatory Bureau approved Chen Yong's qualification as assistant to the president of CMBC Ningde Branch.宁德金融监管分局核准陈勇民生银行宁德分行行长助理的任职资格。
2026-03-31Minsheng Financial Leasing (民生金租) changed its legal representative from Huang Hongri to President Kong Xiangge.民生金租负责人由黄红日变更为总裁孔祥歌。
2026-04-01Regulatory approval: Mou Xiaodong appointed as vice president of Minsheng Bank Qingdao Branch.监管批复：核准牟晓东民生银行青岛分行副行长任职资格。
2026-04-17Regulatory approval: Liu He appointed as vice president of Minsheng Bank Ningde Branch.监管批复：核准刘赫民生银行宁德分行副行长任职资格。
2026-05-07National Financial Regulatory Administration approved Huang Hongri as Chief Compliance Officer of CMBC, effective May 7, 2026. Huang concurrently serves as Vice President and Chairman of Minsheng Financial Leasing.国家金融监督管理总局核准黄红日担任民生银行首席合规官，自2026年5月7日起生效。黄红日同时担任副行长及民生金融租赁董事长。
2026-06-18Senior management reshuffle: Huang Jin appointed General Manager of Personal Finance Department, replacing Sun Xing who remains GM of Credit Card Center; Sun Xing also stepped down as concurrent GM of Personal Finance Department.总行零售条线人事调整：黄晋接任个人金融部总经理，孙兴不再兼任该职，仍任信用卡中心总经理。
Co-branded Cards & Consumer Products联名卡与消费产品
9 · 2024-01-07 → 2026-06-24
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Launch of co-branded debit/credit cards with partners like Huamengxing, Juneyao Air, Peking University Alumni, UESTC, Yanchang Shell, JD, AirTrip, Singapore Airlines, and Baili Azalea.与华蒙星、吉祥航空、北大校友会、电子科技大学、延长壳牌、京东、航旅纵横、新加坡航空、百里杜鹃等合作推出联名借记卡/信用卡。
2024-01-07Minsheng Bank and Huamengxing jointly launched 'Minsheng Huamengxing Basketball' co-branded debit card and 'Qicheng Parent-Child Classroom' integrating finance and sports courses.民生银行与华蒙星共同发布'民生华蒙星篮球'联名借记卡，启动融合财商与体育课程的'启程亲子课堂'。
2024-11-26Launched co-branded credit card with Yanchang Shell Petroleum, offering fuel discounts (up to 840 yuan annual benefits) and exclusive rewards.与延长壳牌石油有限公司联合发布联名信用卡，配套全年最高840元权益礼包，含加油满200减25元优惠。
2024-12-28Minsheng Bank and JD Group (京东集团) jointly launched the 'Minsheng UnionPay JD Good Gift Co-branded Unlimited Credit Card', offering new customers a 200 yuan JD E-card upon first qualifying spend.民生银行与京东集团联合发布“民生银联京东好礼联名无界信用卡”，新客户首次消费达标可获赠200元京东E卡。
2025-05-20Launched 'Minsheng AirTrip UMetrip' (民生航旅纵横) co-branded credit card with China Aviation Information Mobile Technology (中航信移动科技), offering up to 5% cashback on air travel spending and 0.2% travel rebate on other channels.与中航信移动科技联合推出民生航旅纵横联名信用卡，航旅消费最高返5%航旅礼金，其他渠道消费返0.2%。
2025-06-26Minsheng Bank and Singapore Airlines jointly launched the 'Minsheng Singapore Airlines Co-branded Credit Card', the first such card for Singapore Airlines in the Chinese market.民生银行与新加坡航空联合推出'民生新加坡航空联名信用卡'，系新加坡航空在中国市场的首张联名信用卡。
2025-07-06Minsheng Bank launched the 'Minsheng Peking University Alumni Co-branded Credit Card' at Peking University, targeting graduated alumni, featuring campus landmarks and integrated services covering consumption, travel, health, and lifestyle.民生银行在北京大学发布“民生北京大学校友联名信用卡”，面向已毕业校友发行，卡面设计选取北大标志性元素，融合消费、出行、健康、生活等多方面服务。
2025-10-29CMBC Shanghai branch and Juneyao Air jointly launched the 'CMBC Juneyao Air Co-branded Debit Card' for integrated financial and aviation services.民生银行上海分行与吉祥航空共同推出“民生银行吉祥航空联名借记卡”，打造“金融+航空”服务体验。
2026-06-10Launched the 'Minsheng-UESTC Co-branded Card' (credit and debit cards) for students, faculty, and alumni of the University of Electronic Science and Technology of China (UESTC) during its 70th anniversary.在电子科技大学建校70周年之际，面向在校师生及校友正式推出民生银行电子科技大学联名卡（信用卡和借记卡）。
2026-06-24Launched the 'Minsheng Bank Baili Azalea Co-branded Card' and the 'Open Banking+' project in Bijie, integrating scenic spot exclusive benefits with financial services for tourists and residents.在毕节举办百里杜鹃联名卡首发暨开放银行+项目启动仪式，整合景区专属权益与金融服务。
Sci-tech finance initiatives科技金融举措
18 · 2024-01-09 → 2026-01-04
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Launch of platforms, sub-branches, and products dedicated to serving technology enterprises.推出专门服务科技企业的平台、支行和产品。
2024-01-09Minsheng Bank launched the 'Sci-Tech Finance Firefly Platform', including four modules: sci-tech enterprise evaluation, industry research support, product services, and equity matchmaking.民生银行发布科创金融萤火平台，包括科创企业评价、科创行研支持、科创产品服务和科创股权撮合四个模块。
2024-01-26Minsheng Bank held 'Sci-Tech Future' sci-tech ecosystem client appreciation event in Chengdu, unveiling full-lifecycle service plan for sci-tech enterprises.民生银行在成都举办'龙行大运 科创未来'科创生态客户答谢会，推介科创企业全生命周期服务方案。
2024-04-25CMBC Beijing branch promoted its 'Yichuang e-Loan' product for specialized and new (专精特新) enterprises, offering up to 10 million yuan in online credit with a 2-year term.民生银行北京分行推广“易创E贷”产品，为专精特新企业提供最高1000万元、期限2年的线上信用贷款。
2024-06-04CMBC Nanjing Branch opened two 'Sci-Tech Finance' sub-branches (Nanjing Yuhua and Wuxi Meicun) to upgrade services for tech enterprises; it has served over 6,000 tech firms in Jiangsu with loan balance of 20.8 billion yuan.民生银行南京分行挂牌两家科技金融特色支行（南京雨花支行、无锡梅村支行），全面升级科技金融服务；在江苏省内已为超6000家科技型企业提供服务，贷款余额达208亿元。
2024-06-05CMBC Chengdu Tianfu Sub-branch was officially inaugurated as the first 'Sci-Tech Finance' sub-branch in Sichuan province, selected as one of 16 pilot sci-tech finance institutions nationwide.民生银行成都天府支行正式揭牌成立，成为四川省内首家“科技特色支行”，入选全国首批16家科技金融特色支行。
2024-06-13CMBC Beijing Branch launched three sci-tech finance sub-branches/featured institutions (Zhongguancun HQ, Chengfu Road, Yizhuang) and released a full-lifecycle financial service plan for sci-tech enterprises.民生银行北京分行推出三家科技金融支行/特色机构（中关村分行营业部、成府路支行、亦庄支行），并发布面向科创企业的全生命周期金融服务方案。
2024-07-16CMBC selected 16 sub-branches/institutions in 8 cities (Beijing, Shenzhen, Nanjing, Suzhou, Hefei, Chengdu, Xi'an, Ningbo) to establish sci-tech finance characteristic sub-branches for specialized operations.民生银行首批选定北京、深圳、南京等8个城市的16家支行/机构挂牌成立科技金融特色支行/机构。
2024-09-24Minsheng Bank Beijing Branch holds a 'Financing and Intellectual Integration' roadshow event in Zhongguancun Science City, connecting tech companies with over 10 investment institutions for equity financing.民生银行北京分行在中关村科学城举办“融资融智”投融资路演活动，为科技企业与十余家投资机构搭建股权融资对接平台。
2025-03-22CMBC upgraded its Nanjing Yuhua sub-branch to a 'Science and Technology Finance Sub-branch' in May 2024, with dedicated resources and differentiated assessment to support tech firms.民生银行于2024年5月将南京雨花支行升格为“科技金融支行”，配置专项资源支持科创企业。
2025-06-05Minsheng Bank Shenzhen Branch and Shenzhen Stock Exchange (Shenzhen Gujiao) jointly held a conference and inaugurated a 'Sci-Tech Finance Specialty Institution', aiming to deepen sci-tech financial services for innovative enterprises.民生银行深圳分行与深圳股交联合举办大会并挂牌'科技金融特色机构'，旨在深化对科创企业的科技金融服务。
2025-06-19Minsheng Bank won the 'Golden Bull Bank Supporting Sci-Tech Innovation Award' at the first Sci-Tech Innovation and Industry Innovation Conference hosted by China Securities Journal.民生银行在首届科技创新与产业创新大会上荣获'金牛银行支持科创奖'。
2025-06-26Minsheng Bank Shenzhen Branch disclosed that it has served 5 tech SMEs under the central bank's RMB 500 billion sci-tech innovation and tech transformation relending program, disbursing over RMB 50 million in loans.民生银行深圳分行披露，在央行5000亿元科技创新和技术改造再贷款政策下，已服务5家科技型中小企业，累计发放贷款超5000万元。
2025-07-17Minsheng Bank Beijing Branch officially released the 'Kunpeng Plan', a comprehensive service plan for sci-tech enterprises, targeting Beijing's 'six chains and five clusters' core industrial layout to build a full-lifecycle growth support system.民生银行北京分行正式发布科创企业综合服务方案“鲲鹏计划”，精准锚定北京市“六链五群”核心产业布局，构建覆盖企业全生命周期的成长支持体系。
2025-08-14Minsheng Bank Beijing Branch showcased its sci-tech finance product matrix ('Yi Tou Tong', 'Yi Rong Tong', etc.) and 'Kunpeng Plan' at the 2025 World Robot Conference.民生银行北京分行在2025世界机器人大会展示“易投通”“易融通”等科技金融产品矩阵及“鲲鹏计划”。
2025-08-22Minsheng Bank Beijing Branch held a 'Hong Kong Stock Exchange Empowerment' salon for over 20 sci-tech enterprises, featuring HKEX, Minyin International, and King & Wood Mallesons.民生银行北京分行举办“港股赋能”专题沙龙，联合港交所、民银国际、金杜律所为20余家科创企业提供赴港上市服务。
2025-10-22CMBC launched 'Yichuang Zhidai', a special financing product for tech firms using intellectual property pledges, in partnership with Shanghai Technology Exchange.民生银行联合上海技术交易所推出“易创知贷”专项融资产品，支持科技型企业通过质押核心知识产权获得融资。
2025-10-28CMBC Beijing branch established 6 'Sci-Tech Finance Centers' covering 30 sub-branches, creating a '5km sci-tech finance service circle' for Beijing's industrial clusters.民生银行北京分行设立6家“科创金融中心”，覆盖30余家支行，构建“科创金融半径5公里”服务圈，全面覆盖北京万亿级及千亿级产业集群。
2026-01-04CMBC's 'Five-Dimensional' sci-tech finance service system selected as a benchmark case by People's Daily for empowering private tech innovation enterprises.民生银行“五度”科技金融服务体系入选人民网“2025建设金融强国创新实践”标杆案例。
Direct banking channel integration直销银行渠道整合
6 · 2024-01-11 → 2026-06-11
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Phasing out direct banking channels and migrating products to mobile banking.逐步关闭直销银行渠道并将产品迁移至手机银行。
2024-01-11Minsheng Bank announced integration of direct banking 'Huixuanbao' channel's mutual fund products into mobile banking and personal online banking fund channels during 2024.民生银行计划在2024年内将直销银行'慧选宝'频道代销公募基金产品整合至手机银行、个人网银'基金'频道。
2024-04-07CMBC announced that from July 15, 2024, its direct banking APP and PC version will be integrated into the mobile banking APP, and the direct banking channels will be discontinued.民生银行宣布自2024年7月15日起，将直销银行APP、PC版与手机银行APP整合，直销银行渠道停止服务。
2024-04-12CMBC will close certain access channels for the 'Ruyibao' product on the direct banking platform (portal, personal online banking, WeChat banking, Credit Card Quanmin Life APP) from April 25, 2024.民生银行计划于2024年4月25日关闭直销银行“如意宝”频道的门户网站、个人网银、微信银行及信用卡全民生活APP入口。
2024-07-03CMBC announced the integration of its Direct Banking APP and PC version into the Mobile Banking APP, ceasing Direct Banking services from July 15, 2024.民生银行宣布自2024年7月15日起将直销银行APP和PC版整合至手机银行，停止直销银行服务。
2024-11-14Announced suspension of 'real-time withdrawal' service for direct-banking 'Ruyibao' product from Dec 19, switching to T+1 settlement.宣布自12月19日起暂停直销银行如意宝业务“实时转出”服务，改为T+1证券交易日到账。
2026-06-11Announced the closure of the 'Direct Banking - Ruyibao' channel within 2026, with a final batch of fund business migration scheduled from June 23 to June 25, 2026, during which redemption transactions will be suspended.公告拟于2026年内关闭“直销银行-如意宝”频道，计划于2026年6月23日至6月25日进行最后一批基金业务整合，期间暂停赎回交易。
Credit Lines & Loan Agreements授信与贷款协议
14 · 2024-01-11 → 2026-06-24
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Provision of credit lines, working capital loans, and fixed-asset loans to various corporate clients, including subsidiaries and SMEs.向各类企业客户（包括子公司和中小企业）提供授信额度、流动资金贷款和固定资产贷款。
2024-01-11Aileida (Aileida) board approved applying for up to 200 million yuan comprehensive credit line from Minsheng Bank, with credit period of 1 year, unsecured.爱乐达董事会同意向民生银行申请不超过2亿元综合授信额度，授信期限1年，信用担保。
2024-02-05Yongli Co. subsidiary signs a 150 million yuan maximum principal guarantee contract with CMBC Shanghai branch for comprehensive credit facility.永利股份子公司与民生银行上海分行签署最高本金余额1.5亿元的最高额保证合同，为公司申请综合授信提供担保。
2024-04-22CMBC Tianjin branch granted a 970 million yuan, 15-year operating property loan to Financial Street Holdings' subsidiary Tianjin Shengshi Xinhe, with floating rate not exceeding 3%.民生银行天津分行向金融街控股子公司天津盛世鑫和发放9.70亿元、15年期经营性物业贷款，利率不超过3%。
2024-05-15CMBC Dalian Branch granted a special credit line of 100 million yuan to the Dalian Tieling Chamber of Commerce.民生银行大连分行向大连铁岭商会授予专项额度1亿元。
2024-10-25Liupanshui Development and Investment Co., Ltd. failed to repay a fixed-asset loan principal of 403.8 million yuan and interest of 269,200 yuan to Minsheng Bank; Minsheng Bank Guiyang Business Department applied for an extension of the overdue principal, pending approval.六盘水市开发投资有限公司未能按期偿还民生银行固定资产贷款本金40380万元及利息26.92万元；民生银行贵阳营业部已申请将该笔到期本金展期，待审批。
2025-03-24CMBC Shangrao branch disbursed 55 million yuan in equipment upgrade loans to a national-level 'Little Giant' firm, with cumulative lending reaching 170 million yuan.民生银行上饶分行向国家级专精特新“小巨人”企业投放5500万元设备更新改造贷款，累计达1.7亿元。
2025-06-20Minsheng Bank Guiyang Branch provided RMB 10 million in credit to Guizhou Kaihong Huida Cooling System Co., Ltd. through the small-micro enterprise financing coordination mechanism.民生银行贵阳分行通过小微融资协调机制，为贵州凯宏汇达冷却系统有限公司提供1000万元授信支持。
2025-08-25Minsheng Bank Nanchang Branch issued a 180 million yuan working capital loan to a coking enterprise, proactively bearing nearly 280,000 yuan in insurance costs to reduce financing costs.民生银行南昌分行向某炼焦化工企业发放1.8亿元流动资金贷款，主动承担近28万元保险费用以降低企业融资成本。
2026-01-04CMBC Nanchang branch provided a 500 million yuan cross-border loan for a private enterprise's overseas mineral resource project, approved in just over one month.民生银行南昌分行为某民营企业海外矿产资源开发项目提供5亿元跨境贷款，审批仅用1个多月。
2026-03-24CMBC won a bid for a 60 million yuan 2-year working capital loan project from Guangzhou Metro Small Loan Co., Ltd.民生银行中标广州地铁小额贷款有限公司6000万元2年期流动资金贷款项目。
2026-04-07ST Zhongji (000972) disclosed application to Minsheng Bank Urumqi branch for a one-year extension of a 40 million yuan loan maturing on 2026-05-16.*ST中基（000972）披露拟向民生银行乌鲁木齐分行申请将4000万元贷款展期一年至2027年5月15日。
2026-05-11CMBC Lanzhou branch disbursed a RMB 50 million fixed-asset loan to Qingyang Coal Power for the Zaosheng coal mine exploration right payment, the first case in Gansu using exploration rights as intangible asset financing.民生银行兰州分行向庆阳煤电投放5000万元固定资产贷款，用于宁中煤田早胜煤矿探矿权价款缴纳，为甘肃省首例探矿权无形资产融资。
2026-05-12CMBC signed a RMB 30 million comprehensive credit facility agreement with Lihexing subsidiary Lirong Electronics (Jiangmen), guaranteed by the parent company and actual controllers.民生银行江门支行与利和兴子公司利容电子（江门）签订3000万元综合授信合同，由上市公司及实控人提供担保。
2026-06-24Won a 2.0 billion yuan 1-year working capital loan procurement project from Guangzhou Metro Group.中标广州地铁集团有限公司20亿元1年期流动资金贷款采购服务项目。
Minsheng Hui inclusive loan product民生惠小微贷款产品
7 · 2024-01-16 → 2025-06-26
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Rollout and growth of the 'Minsheng Hui' digital inclusive loan series for small and micro enterprises.面向小微企业的“民生惠”数字化普惠贷款系列的推出与增长。
2024-01-16Minsheng Bank Nanchang branch launched upgraded 'Minsheng Hui' credit loan tailored for Jiangxi province, using local income and expenditure big data platform, first such upgrade in the bank system.民生银行南昌分行发布'民生惠'信用贷江西收支流水定制升级产品，为系统内首家升级分行。
2024-04-02CMBC launched 'Minsheng Hui' credit loan product for small and micro enterprises, featuring fully online pre-approval, automatic disbursement, and intelligent post-loan monitoring.民生银行推出“民生惠”信用贷款产品，实现贷前自动审批、贷中自动放款、贷后智能监测的全流程线上操作。
2024-12-18Minsheng Bank's inclusive loan product 'Minsheng Hui' (民生惠) series loan balance exceeded 100 billion yuan, serving 507,000 small and micro enterprises, individual business owners, and self-employed households.民生银行普惠贷款产品“民生惠”系列贷款余额突破1000亿元，服务50.7万小微企业、小微企业主和个体工商户。
2025-01-14Minsheng Bank's inclusive loan product 'Minsheng Hui' series loan balance exceeded 100 billion yuan, serving 507,000 small and micro enterprises and individuals.民生银行普惠贷款产品“民生惠”系列贷款余额突破1000亿元，服务50.7万小微企业和个人。
2025-03-19CMBC launched the 'Minsheng Hui' series of digital credit products, enabling same-day online approval and disbursement of 500,000 yuan credit loans to small firms via a whitelist mechanism.民生银行推出“民生惠”系列数字信贷产品，通过白名单主动授信实现50万元信用贷款当天线上放款。
2025-04-21CMBC's inclusive online loan product 'Minsheng Hui' (民生惠) saw its loan balance exceed RMB 100 billion, serving over 500,000小微 enterprises and individuals.民生银行线上化普惠金融产品“民生惠”贷款余额突破1000亿元，服务超过50万小微企业主和个体工商户。
2025-06-26Minsheng Bank stated in its AGM materials that its 'Minsheng Hui' series loan balance exceeded RMB 110 billion, and its corporate online banking platform users reached 4.1116 million.民生银行在股东大会材料中披露，'民生惠'系列贷款余额超1100亿元，对公线上平台用户数411.16万户。
Product launches for trade & e-commerce贸易与电商产品发布
9 · 2024-01-17 → 2025-07-04
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New financial products for cross-border e-commerce, customs guarantees, and trade finance.面向跨境电商、海关担保和贸易融资的新金融产品。
2024-01-17Minsheng Bank Nanchang Honggutan sub-branch disbursed 4.6 million yuan 'Export e-Rong' loan to a small foreign trade enterprise, a fully online credit product using SAFE cross-border finance platform.民生银行南昌红谷滩支行向小微外贸企业发放460万'出口e融'贷款，为全流程线上化信用产品。
2024-04-10CMBC launched cross-border e-commerce electronic guarantee letters (e-LG) in coordination with the General Administration of Customs pilot reform for tax guarantee digitalization in cross-border retail imports.民生银行配合海关总署跨境电商零售进口税款担保电子化改革，推出跨境电商电子保函。
2024-05-21CMBC launched an electronic customs guarantee letter (e-bond) for cross-border e-commerce, supporting digital transmission and nationwide use.民生银行推出跨境电商电子保函，支持担保数据电子化传输和关区通用。
2024-08-27Minsheng Bank launched the 'Guan e Tong' customs guarantee letter product, a fully online automated credit product for import enterprises, with a maximum credit line of CNY 10 million.民生银行推出“关e通”关税保函产品，为进口企业提供全流程线上化自动授信，最高授信额度1000万元。
2024-09-30Minsheng Bank successfully processes 'Dian e Zheng' (electricity e-certificate) business for a large manufacturing enterprise in Jiangxi, using domestic letters of credit to pay electricity bills to State Grid with a one-year deferred payment.民生银行南昌分行成功为江西省某大型制造业企业办理“电e证”业务，利用国内信用证向国家电网缴纳电费，付款延期一年。
2024-10-08Minsheng Bank Nanchang Branch launched the 'Dian e Zheng' product, a domestic letter of credit financing + electricity payment service in partnership with State Grid Huitong, enabling enterprises to defer electricity payments for one year.民生银行南昌分行推出“电e证”产品，与国网汇通合作，为企业提供国内信用证融资+电费缴纳服务，实现电费付款延期一年。
2024-12-30Minsheng Bank Yulin Branch completed its first 'Electric e-Certificate' (电e证) business, using domestic letters of credit to help an enterprise pay 700,000 yuan in electricity bills to State Grid with a one-year payment deferral.民生银行榆林分行落地首笔“电e证”业务，金额70万元，利用国内信用证帮助用电企业向国家电网缴纳电费，付款延期一年。
2025-04-01CMBC launched the 'Xiaowei Hive Plan' (小微蜂巢计划) for小微 clients, promoting法人化, online, and credit transformation; launched 'Export e-Rong' (出口e融) and 'Guan e-Tong' (关e通) for foreign trade enterprises.民生银行推出小微蜂巢计划，推进小微业务法人化、线上化、信用化转型；推出出口e融和关e通产品服务外贸企业。
2025-07-04Minsheng Bank Nanchang Branch successfully issued the first land reclamation guarantee letter in Jiangxi Province for a temporary land use project in Donghu District, Nanchang, in response to the Jiangxi Provincial Department of Natural Resources' notice on using bank guarantees for temporary land reclamation.民生银行南昌分行成功为南昌市东湖区某临时用地项目开立江西省内首笔土地复垦保函，响应江西省自然资源厅关于在临时用地土地复垦中使用银行保函的通知要求。
Supply chain finance (Minsheng e-Chain)供应链金融（民生e链）
15 · 2024-01-22 → 2025-12-18
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Development and promotion of supply chain finance products and partnerships across various industries.跨行业供应链金融产品和合作关系的开发与推广。
2024-01-22Minsheng Bank Wuhan branch discussed deepening supply chain finance cooperation with Jinnet (Jin Network), focusing on expanding business scale and innovation.民生银行武汉分行与金网络就深化供应链金融合作进行会谈，拓展合作场景与业务规模。
2024-10-15Minsheng Bank Nanchang Branch and Henan Xinlianxin Chemical Group held a supply chain finance customer conference, releasing the 'Order Quick Loan' product for dealers, featuring online, revolving, unsecured, and flexible repayment terms.民生银行南昌分行与河南心连心化学工业集团举办供应链金融客商大会，发布“订货快贷”产品，具有线上化、循环用、免担保、灵活还特点。
2024-10-30Minsheng Bank Nanchang Branch disclosed that it has cumulatively disbursed over 3 billion yuan in supply chain finance, covering over 1,000 transactions, serving over 40 core enterprises and 350 upstream/downstream firms in Jiangxi Province under the 'Minsheng e-Chain' brand.民生银行南昌分行披露，已累计投放供应链金融超30亿元、超1000笔，为江西省超40家产业链链主企业及350余家上下游企业提供服务，依托“民生e链”品牌。
2024-11-04Nanchang branch and Jiangxi Nanhua Pharmaceutical jointly held supply chain finance conference and launched 'Medical Chain Connect' product for pharmaceutical supply chain.民生银行南昌分行与江西南华医药联合举办供应链金融客商大会，发布“医链通”产品，赋能医药产业链。
2024-11-15Partnered with State Grid's Huitong Jincai to hold supply chain finance promotion conference, launching 'Minsheng E Chain' financing solution for upstream suppliers and downstream electricity customers.联合国家电网汇通金财举办供应链金融业务推广会，推出“民生E链”供应链金融服务方案，覆盖上游供应商和下游用电客户。
2024-12-09Minsheng Bank launched the 'Minsheng E-Chain - Auto Ecosystem' comprehensive service plan at the 2024 Auto Industry Conference, covering the entire auto industry chain (OEMs, suppliers, dealers, consumers).民生银行在2024年“车生态”汽车行业大会上发布“民生E链-车生态”综合服务方案，覆盖汽车全产业链（主机厂、供应商、经销商、消费者）。
2024-12-10Minsheng Bank Nanjing Branch reported supply chain finance asset balance exceeded 15 billion yuan, cooperating with nearly 300 core enterprises, covering industries like liquor, pharmaceuticals, home appliances, steel, new energy, and high-end equipment.民生银行南京分行供应链金融资产余额超150亿元，与近300家核心企业合作，覆盖白酒、医药、家电、钢铁、新能源、高端装备等行业。
2024-12-19Minsheng Bank won the 'Annual Excellent Supply Chain Finance Bank' award from Caijing (财经) magazine; by end-November 2024, supply chain finance balance exceeded 270 billion yuan, with over 3,400 core clients and 40,000 chain enterprises, up 94.4%, 84.5%, and 116% respectively from end-2023.民生银行获评《财经》2024年长青奖“年度卓越供应链金融银行”；截至2024年11月底，供应链融资余额超2700亿元，核心客户数超3400户，服务链上企业超4万户，较2023年末分别增长94.4%、84.5%与116%。
2024-12-26Minsheng Bank and Haier (海尔) jointly held a dealer conference, releasing the 'Minsheng E-Chain' consumer goods distribution scenario supply chain finance service plan to support dealer inventory financing.民生银行与海尔多地工贸分公司合作举办经销商客商大会，发布“民生E链”消费品分销场景供应链金融服务方案，支持经销商备货融资。
2025-03-21CMBC and ZhongqiYunLian (中企云链) formed a strategic partnership to build a 'technology + finance + industry' supply chain finance ecosystem.民生银行与中企云链达成战略合作，共建“科技+金融+产业”供应链金融生态。
2025-04-01CMBC reported that its supply chain finance business balance reached RMB 310.4 billion at end-2024, with core customer count of 4,007 and chain enterprises of 45,452, up 115%, 115% and 144% respectively YoY.民生银行2024年末供应链金融业务余额3104亿元，核心客户数4007户，链上企业45452户，同比分别增长115%、115%和144%。
2025-04-24CMBC and Zhongqi Yunlian (中企云链) co-hosted a supply chain finance conference, launching the 'Minsheng e-Chain' (民生e链) brand matrix and exploring a 'tech + finance + industry' innovation model.民生银行携手中企云链举办供应链金融大会，发布“民生e链”品牌矩阵，探索“科技+金融+产业”创新模式。
2025-10-31CMBC launched supply chain finance product 'Minsheng Huilian' for small and micro enterprises, enabling online application and approval within 3 hours.民生银行创新推出供应链金融产品“民生惠链”，助力小微企业，实现全流程线上化操作，最快3小时完成审批提款。
2025-12-01CMBC Huizhou branch launched supply chain finance products 'Xinrong E' and 'Piao Rong E', disbursing 3.023 billion yuan to 43 core enterprises and 776 upstream/downstream firms; also launched 'E-Yao Dai-Minsheng Quick Loan' with Guangdong Drug Exchange Center.民生银行惠州分行推出供应链金融产品'信融E'和'票融E'，投放30.23亿元至43家核心企业及776家上下游企业；并与广东省药品交易中心推出'E药贷-民生快贷'。
2025-12-18CMBC's small-micro e-bank guarantee service went live on China Tendering & Bidding Public Service Platform; enterprises can open guarantees in as fast as 2 hours via the platform or 'CMBC Micro' app.民生银行小微电子保函服务上线中国招标投标网，企业最快2小时完成保函开立，可通过'民生小微'APP办理。
Strategic partnerships & cooperation agreements战略合作伙伴关系与合作协议
20 · 2024-01-24 → 2026-04-09
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Signing of strategic agreements with corporations, government bodies, and industry associations.与企业、政府机构和行业协会签署战略协议。
2024-01-24Minsheng Bank and China UnionPay held 'Upward, Beautiful, Future' UnionPay ecosystem cooperation conference in Fuzhou to deepen strategic partnership.民生银行与中国银联在福州举办'向上向美向未来'银联生态圈合作大会，深化战略合作。
2024-02-03CMBC Xianyang branch signs a strategic cooperation agreement with the Xianyang Wenzhou Chamber of Commerce to provide financial services to member enterprises.民生银行咸阳分行与咸阳市温州商会达成战略合作，为会员企业提供金融服务。
2024-02-27CMBC Yulin branch becomes a window unit at Yuyang District government service center to provide financial services for enterprises and the public.民生银行榆林分行成为榆阳区政务服务中心窗口单位，为企业及群众提供金融服务。
2024-03-22Minsheng Bank Dongguan Branch signed a data asset strategic cooperation agreement with Guangdong Tongwan Technology Co., Ltd., marking the first data asset unsecured financing in Dongguan.民生银行东莞分行与广东通莞科技签订数据资产战略合作协议，落地东莞市首笔数据资产无抵押融资。
2024-04-25CMBC Qingdao branch co-hosted 'Minsheng Yiqi Xing' event with Qingdao Private Economy Development Bureau, focusing on green and technology enterprises.民生银行青岛分行联合青岛市民营经济发展局举办“民生益企行”主题活动，聚焦绿色低碳与科技创新企业。
2024-05-27CMBC signed a cooperation agreement with Zhejiang Big Data Exchange to collaborate on digital finance and data element utilization.民生银行与浙江大数据交易中心签约，合作推进数字金融和数据要素应用。
2024-05-30CMBC signed a joint innovation agreement with Alibaba Cloud to establish a lab for research on financial-grade cloud-native and AI large models.民生银行与阿里云签署联合创新协议，成立联合创新实验室，研究金融级云原生和AI大模型。
2024-07-05CMBC Beijing Branch and Fengtai District Medical Security Bureau jointly established a 'Medical Security Publicity Station' at Beidati Community Sub-branch, with plans to set up 9 more such stations in Beijing.民生银行北京分行与丰台区医保局在北大地社区支行设立“医疗保障宣传驿站”，计划在北京再设9家。
2024-07-18The All-China Federation of Industry and Commerce and CMBC signed a comprehensive strategic cooperation agreement to focus on financial services for the real economy and support private enterprises.全国工商联与民生银行签署全面战略合作协议，聚焦金融服务实体，支持民营企业发展。
2024-08-14Minsheng Bank, Minsheng Capital, and White Dove Online signed a strategic cooperation agreement to collaborate on capital markets, business integration, overseas expansion, and digital finance.民生银行、民银资本与白鸽在线签署战略合作协议，在资本市场、业务融合、海外扩张及数字金融领域展开合作。
2024-09-27Minsheng Bank signs a comprehensive strategic cooperation agreement with Guangxi Investment Group, focusing on major project financing, green finance, and cross-border business.民生银行与广西投资集团签署全面战略合作协议，聚焦重大项目融资、绿色金融、跨境业务等领域合作。
2024-09-27Minsheng Bank Nanning Branch signs a comprehensive strategic cooperation agreement with Guangxi Minzu University and donates a scholarship fund.民生银行南宁分行与广西民族大学签署全面战略合作协议并捐赠公益奖学金。
2024-12-30Minsheng Bank Xi'an Yanta Road Sub-branch signed a strategic cooperation agreement with the Fujian Huian Chamber of Commerce (福建惠安商会) to provide financial services to member enterprises.民生银行西安雁塔路支行与福建惠安商会签署战略合作协议，为会员企业提供金融服务。
2025-02-26CMBC signed a comprehensive strategic cooperation agreement with Shanghai Fosun High Technology (Group) Co., Ltd., covering financing, investment banking, cross-border finance, and supply chain finance.民生银行与上海复星高科技（集团）有限公司签署全面战略合作协议，涵盖融资授信、投行业务、跨境金融、供应链金融等领域。
2025-03-17CMBC Beijing branch signed strategic cooperation agreements with multiple Beijing districts (Miyun, Tongzhou, Huairou) to deepen government-bank collaboration.民生银行北京分行与密云、通州、怀柔等北京多个行政区签署战略合作协议。
2025-03-20CMBC Zibo branch signed strategic agreements with Zibo Housing and Urban-Rural Development Bureau, Housing Provident Fund Center, and three construction/real estate firms.民生银行淄博分行与淄博市住建局、公积金管理中心及三家建筑/房地产企业签署战略合作协议。
2025-04-18CMBC and Beijing Capital Group (首创集团) signed a comprehensive strategic cooperation agreement, covering inclusive finance, sci-tech finance, cultural finance, and the Capital Economic Circle.民生银行与首创集团签署全面战略合作协议，涵盖普惠金融、科创金融、文化金融、首都经济圈建设等领域。
2025-12-27CMBC signed a strategic cooperation agreement with Hainan Development Holdings (Hainan Kongu) covering comprehensive credit, bond financing, fund management, and international settlement.民生银行与海南省发展控股有限公司签署总行级战略合作协议，涵盖综合授信、发债融资、资金管理及国际结算等领域。
2026-03-17CMBC Beijing Branch, Haisco (海博思创), and Minsheng Financial Leasing (民生金租) signed an agreement to build a 'bank + leasing + industry' iron-triangle model to explore innovative financial services for the entire energy storage industry chain.民生银行北京分行、海博思创与民生金租签署协议，构建“银行+租赁+产业”铁三角协同模式，共同探索金融服务储能全产业链的创新路径。
2026-04-09Signed a comprehensive strategic cooperation agreement with Botai Vehicle Networking (02889.HK), providing an意向性 credit line of up to 2.5 billion yuan to support strategic emerging M&A and industrial M&A.与博泰车联（02889.HK）签订全面战略合作协议，提供不高于25亿元人民币的意向性授信，支持战略新兴并购和产业并购。
Foreign exchange & cross-border services外汇及跨境服务
9 · 2024-01-27 → 2026-07-27
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Pilot programs, new products, and regulatory compliance for foreign exchange and cross-border business.外汇和跨境业务的试点项目、新产品和监管合规。
2024-01-27Minsheng Bank Fuzhou branch launched foreign exchange pilot program, becoming first bank in Fujian province to obtain forex pilot qualification.民生银行福州分行启动外汇展业试点，成为福建省内首家获得外汇展业试点资格的银行。
2024-04-01CMBC Beijing branch became the only pilot bank in Beijing for foreign exchange business under the new FX展业 rules, serving 120+ first-class clients with '0-document, fully online' cross-border settlement.民生银行北京分行成为北京地区唯一外汇展业试点中资银行，为120余家展业一类客户提供“0单据+全线上”跨境结算服务。
2024-06-03CMBC announced that from June 1, 2024, corporate clients can handle 'Trade Foreign Exchange Receipts and Payments Enterprise名录 Registration' directly at CMBC branches with foreign exchange business qualifications, per SAFE circular.民生银行公告，自2024年6月1日起，企业客户可前往民生银行有外汇业务经营资质的网点直接办理“贸易外汇收支企业名录”登记，依据国家外汇管理局通知。
2024-06-11CMBC Beijing Branch successfully handled the first 'Trade Foreign Exchange Receipts and Payments Enterprise Directory Registration' for two companies under the new SAFE policy, allowing direct bank processing.民生银行北京分行在新政下成功为两家企业办理首批“贸易外汇收支企业名录登记”业务，实现银行直接办理。
2024-07-25CMBC announced it will launch POS foreign card acceptance function in partnership with Visa to serve overseas consumers in China.民生银行宣布携手Visa即将上线POS外卡受理功能，服务境外来华消费者。
2025-03-11CMBC Rizhao branch successfully processed a cross-border remittance in Dirhams (AED) for a trade company, expanding its small-currency settlement services.民生银行日照分行为贸易企业成功办理迪拉姆跨境汇款，拓展小币种结算服务。
2025-03-17CMBC became the first bank to set a cross-border card-not-present transaction limit for personal debit cards, defaulting at 1,000 yuan per transaction/day, effective March 27, 2025.民生银行成为首家对个人借记卡跨境无卡交易设限的银行，默认单笔及单日限额1000元，3月27日起生效。
2025-12-01CMBC Zhuzhou sub-branch launched 'Marine Express Remittance', an intelligent cross-border payment product for foreign trade enterprises, enabling paperless and smart processing.民生银行株洲支行推出'海运快汇'智能跨境汇款产品，实现外贸企业海运费结算无纸化、智能化处理。
2026-07-27CMBC Nanchang branch implemented cross-border trade high-level opening pilot business, handling 3 facilitation transactions totaling 509,600 USD for qualified enterprises.民生银行南昌分行落地跨境贸易高水平开放试点业务，已为优质企业办理3笔便利化业务，累计金额50.96万美元。
Other其他
60 · 2024-01-29 → 2026-08-27
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Miscellaneous events including rankings, regulatory assessments, internal meetings, and operational updates.杂项事件，包括排名、监管评估、内部会议和运营更新。
2024-01-29Minsheng Bank launched digital RMB credit card repayment function on its mobile banking and 'Quanmin Life' apps, adding digital RMB application scenario.民生银行手机银行APP和全民生活APP推出数字人民币信用卡还款功能。
2024-01-31Minsheng Bank extended voting deadline for '20 Jinke Real Estate MTN002' bondholders meeting to February 29, 2024, due to ongoing negotiations.民生银行延长金科地产2020年度第二期中期票据持有人会议表决截止时间至2024年2月29日。
2024-02-01CMBC Beijing branch launches third-generation social security card replacement service for enterprises in Xicheng, Shijingshan, and Huairou districts, adding financial account and municipal transportation card functions.民生银行北京分行面向西城区、石景山区、怀柔区三区参保企业启动三代社保卡集体换发服务，新增金融账户和市政交通一卡通功能。
2024-03-28Minsheng Bank's 2023 small and micro loans reached RMB 791.216 billion, up 15.77% YoY; inclusive small-micro loan balance RMB 612.269 billion, up 11.51%.民生银行2023年小微贷款达7912.16亿元，增幅15.77%；普惠型小微企业贷款余额6122.69亿元，增幅11.51%。
2024-03-29Minsheng Bank held 2023 annual results conference; Chairman Gao Yingxin stated the bank will reduce non-standard investments and return to commercial banking fundamentals.民生银行召开2023年度业绩交流会，董事长高迎欣表示将压降非标投资，回归商业银行本源。
2024-04-08CMBC received approval from the UK Prudential Regulation Authority and Financial Conduct Authority to establish a branch in London, its first overseas branch outside Asia since the Hong Kong branch in 2012.民生银行获英国审慎监管局和金融行为监管局批准设立伦敦分行，系2012年香港分行后首家亚洲以外境外分行。
2024-04-11CMBC held 'Chengdu Station' inclusive finance promotion event, releasing four upgraded inclusive financial services including 'Minsheng e-Home' for SME digital transformation.民生银行在成都举办普惠金融推进月主题活动，发布四大升级普惠金融服务，包括“民生e家”助力小微企业数字化转型。
2024-04-25CMBC held a public REITs issuer exchange event at the Shanghai Stock Exchange, promoting its REITs chain financial service model.民生银行在上交所举办公募REITs发行人交流活动，宣讲REITs链式金融服务方案。
2024-05-28CMBC held a special meeting to advance the 'ensuring building delivery'攻坚战, establishing a '1+3+N' task force mechanism.民生银行召开保交房攻坚战专题会议，成立“1+3+N”工作专班机制。
2024-05-29CMBC disclosed its 2024 related-party transaction budget with Minsheng Real Estate and affiliates, totaling 5.529 billion yuan.民生银行披露与民生置业等关联方2024年度关联交易预算，总金额55.29亿元。
2024-06-27CMBC initiated a 'Dormant Account' reminder campaign for personal bank accounts with no active transactions for 5+ years and a balance as of September 30, 2023.民生银行开展“沉睡账户”提醒提示工作，针对截至2023年9月30日5年及以上未发生主动交易且有余额的个人银行账户。
2024-07-10CMBC Nanning Branch disbursed Guangxi's first sci-tech innovation re-lending pilot enterprise loan of 3.8 million yuan to Guangxi Advanced Aluminum Processing Innovation Center Co., Ltd.民生银行南宁分行向广西先进铝加工创新中心发放广西首笔科技创新再贷款备选企业贷款380万元。
2024-07-19CMBC's CBD headquarters office building, with a total floor area of 195,723 sqm and 26 floors above ground, topped out; construction began in August 2022.民生银行CBD总行办公大楼封顶，总建筑面积195723平方米，地上26层，2022年8月开工。
2024-07-19CMBC held the '2024 Bank Wealth Management Business Seminar' in Shanghai, introducing the '4+6' custody service system; total custody scale exceeded 1.02 trillion yuan.民生银行在上海举办“2024银行理财业务研讨会”，推出“4+6”托管服务体系，托管规模突破1.02万亿元。
2024-08-05Minsheng Bank ranked 351st on the 2024 Fortune Global 500, down from 329th in 2023, with revenue of USD 43.5536 billion.民生银行在2024年《财富》世界500强中排名第351位，较2023年的第329位下降，营业收入为435.536亿美元。
2024-08-09Minsheng Bank Hangzhou Branch has successfully implemented 6 railway fund supervision projects, including Hangzhou-Wenzhou Railway, with a total of 12 supervision accounts and supervised funds amounting to CNY 8 billion.民生银行杭州分行已成功落地6个铁路资金监管项目，包括杭温铁路等，开立资金监管账户12户，监管资金总金额高达80亿元。
2024-09-20Minsheng Bank states it currently has no share buyback plan.民生银行表示目前暂无回购计划。
2024-09-23Minsheng Bank Beijing Branch denies rumors of a 50% salary cut, stating employee compensation remains stable, and has reported the rumors to the police.民生银行北京分行否认降薪50%的传闻，表示员工整体薪酬保持稳定，并已向公安机关报案。
2024-09-25Minsheng Bank holds a special event in Shenzhen to help tech companies list in Hong Kong, in collaboration with HKEX, law firms, and investment institutions.民生银行在深圳举办助力科技企业赴港上市专题银企活动，联合港交所、律所及投资机构等提供上市指导。
2024-09-30Minsheng Bank announces it will formulate an implementation plan for batch adjustment of existing mortgage interest rates, to be announced on October 12, 2024, and completed by October 31, 2024.民生银行公告将制定存量房贷利率调整实施方案，拟于2024年10月12日公布细则，并于10月31日前完成批量调整。
2024-11-06Partnered with China Gold Coin and JD Technology to launch 'Minsheng-JD Panda Gold Coin Accumulation Product', allowing JD Finance investors to subscribe and redeem panda gold coins.联合中国金币、京东科技推出“民生-京东熊猫金币积存产品”，京东金融投资者可认购积存产品并兑换熊猫金币。
2024-12-26Minsheng Bank restructured its technology finance business organization, setting up the 'Corporate Banking Department/Technology Finance Department' to coordinate and promote technology finance development across the bank.民生银行进行科技金融业务组织架构调整，设置“公司业务部/科技金融部”，统筹管理全行科技金融业务发展。
2025-03-18CMBC Beijing branch's community banking savings balance exceeded 30 billion yuan, with 74 community sub-branches covering 660 communities across 12 districts.民生银行北京分行社区金融储蓄余额突破300亿元，下设74家社区支行覆盖12个行政区660个社区。
2025-03-25CMBC board approved a 6.165 billion yuan related-party transaction budget for 2025 with Minsheng Real Estate (民生置业) and its subsidiaries.民生银行董事会批准与民生置业及其子公司2025年度关联交易预算金额61.65亿元。
2025-03-25CMBC's online mall was named by multiple consumer associations for failing to honor 7-day no-reason returns on a wok, violating regulations.民生银行网上商城因炒锅拆封后不支持七天无理由退货被多地消协点名，涉嫌违规。
2025-05-12Dongfang Jincheng (东方金诚) affirmed Minsheng Bank's issuer credit rating at AAA, outlook stable; also rated its 2025 Tier-2 capital bond (first tranche) AAA.东方金诚评定民生银行主体信用等级为AAA，评级展望稳定；2025年二级资本债券（第一期）信用等级为AAA。
2025-05-23Nanjing branch successfully underwrote and placed three science & technology innovation bonds (科技创新债券), including the first hybrid sci-tech bond in China (25 Wuxi Chuangtou MTN001), introducing an 'equity-debt linkage' mechanism.南京分行落地三笔科技创新债券，其中25无锡创投MTN001（科创债）为全国首单混合型科技创新债券，引入'股债联动'机制。
2025-05-27Beijing branch has been the main settlement bank for LandSpace (蓝箭航天) since 2021, provided the first fixed-asset loan for constructing the Jiuquan launch pad, and serves five of China's six private rocket companies.北京分行自2021年起成为蓝箭航天主结算行，提供首笔固定资产贷款用于建设酒泉发射工位，深度服务中国六家民营火箭公司中的五家。
2025-05-30Board approved signing of financial product agency sales cooperation framework agreement with Dajia Life Insurance (大家人寿), with service fee caps of RMB 150M (Jun-Dec 2025), RMB 250M (2026), and RMB 150M (Jan-Jun 2027).董事会批准与大家人寿签署金融产品代理销售业务合作框架协议，2025年6月-12月服务费上限1.5亿元，2026年2.5亿元，2027年上半年1.5亿元。
2025-06-06Minsheng Bank launched its 9th annual Retail Brand Theme Day, introducing the 'Minsheng Bank Experience Officer Platform' and offering interest rate discounts on 'Minsheng Minyi Dai' loans.民生银行启动第九届零售品牌主题日，上线'民生银行体验官平台'，并提供'民生民易贷'利率优惠。
2025-06-30Minsheng Bank Vice President Zhang Juntong stated at the AGM that retail financial business is a long-term priority, with retail income growing significantly and high-net-worth customer additions in 2025 already exceeding the full-year 2024 total.民生银行副行长张俊潼在股东大会上表示，零售金融是长期优先战略业务，零售收入增长明显，2025年以来高净值客户增量已超2024全年。
2025-07-10Minsheng Bank Chief Economist Wen Bin stated that in the second half of 2025, the total broad fiscal space is over 7 trillion yuan, including a remaining deficit of 4.03 trillion yuan, special bonds of 2.24 trillion yuan, and ultra-long-term special government bonds of 745 billion yuan.民生银行首席经济学家温彬表示，2025年下半年全口径下广义财政空间还有超7万亿元，剩余额度包括赤字4.03万亿元、专项债2.24万亿元和超长期特别国债7450亿元。
2025-08-13Minsheng Bank announced it will implement personal consumption loan interest subsidies from September 1, 2025, in compliance with the national fiscal subsidy policy (Document No. 80).民生银行公告自2025年9月1日起，对符合国家财政贴息政策的个人消费贷款实施贴息。
2025-08-13Minsheng Bank announced it will implement loan interest subsidies for service-sector business entities in 8 categories (catering, health, elderly care, etc.) for contracts signed between March 16 and December 31, 2025.民生银行公告对餐饮、健康、养老等8类服务业经营主体在2025年3月16日至12月31日期间签订的贷款实施贴息。
2025-08-20Minsheng Bank launched a medium-to-long-term local government bond spread basket to enhance bond market liquidity and price discovery.民生银行推出中长久期地方债利差篮子，以提升债券市场流动性和价格发现功能。
2025-08-26Former Minsheng Bank Beijing Hangtianqiao Sub-branch deputy president Xiao Ye, involved in a 2.746 billion yuan fake wealth management fraud, opened a social media account; his account was banned for exploiting criminal experience.涉27.46亿元假理财案的民生银行北京航天桥支行原副行长肖野开设社交账号，因以犯罪经历博眼球被平台封禁。
2025-08-28Minsheng Bank ranked 66th on the 2025 China Top 500 Private Enterprises list with revenue of 136.29 billion yuan.民生银行以1362.90亿元营收位列2025中国民营企业500强第66名。
2025-09-09CMBC will participate in the 2025 China International Fair for Trade in Services (CIFTIS) for the 5th consecutive year, showcasing achievements in tech finance, green finance, inclusive finance, pension finance, and digital finance under the theme 'Digital Intelligence Minsheng, Win-Win Future'.民生银行将连续第5年参加2025年中国国际服务贸易交易会（服贸会），以'数智民生共赢未来'为主题，展示科技金融、绿色金融、普惠金融、养老金融、数字金融五大领域成果。
2025-10-29CMBC Shantou branch launched the 'Minsheng Heqing' elderly-themed card, the first elderly-themed debit card in Shantou, in partnership with Shantou Heqing Elderly Care Service Management Co., Ltd. and UnionPay Business, developing the 'Heqing Elderly Smart Canteen Platform'.民生银行汕头分行发布'民生河卿养老主题卡'，为汕头地区首张养老主题借记卡，联合汕头市河卿养老服务管理有限公司及银联商务开发'河卿长者智慧食堂平台'。
2025-11-17CMBC Hangzhou Yuhang sub-branch jointly developed and launched a live-streaming payment and bank-enterprise direct connection top-up system with live-streaming agency Yaowang Technology, serving 53,000 cooperative suppliers with dedicated sub-accounts in its first week.民生银行杭州余杭支行与直播机构遥望科技联合研发的直播收款与银企直连充值系统上线，首周为5.3万家合作供应商配置专属子账户。
2025-12-04CMBC held a 'Going to Hong Kong for IPO' seminar in Shenzhen, signed Hong Kong stock service agreements with multiple enterprises, with Vice President Li Wenshi attending.民生银行在深圳举办'赴港上市研讨会'，与多家企业签署港股服务协议，副行长李稳狮出席。
2025-12-10CMBC Hangzhou branch's private enterprise loan balance exceeded 112 billion yuan as of end-November; built automated collection system for a leading livestream e-commerce firm in 15 days.民生银行杭州分行截至11月末民营贷款余额突破1120亿元；为头部直播电商企业15天内搭建自动化收款管理体系。
2025-12-11CMBC's loan delinquency divergence ratio exceeded 109% as of mid-2025, with NPLs of 66.052 billion yuan vs. overdue >90 days loans of 72.075 billion yuan, potentially breaching regulatory rules.民生银行2025年中报显示贷款偏离度超109%，不良贷款660.52亿元，逾期90天以上贷款720.75亿元，可能违反监管规定。
2025-12-25CMBC International held its 2026 strategy conference in Beijing, focusing on new quality productive forces and capital allocation, with experts from CASS, ISTIC, and CMBC chief economist Wen Bin.民银国际在北京举办2026年度策略会，聚焦新质生产力与资本配置，邀请社科院、中信所专家及民生银行首席经济学家温彬。
2025-12-29CMBC Shijiazhuang branch reported serving 5.7 million retail customers, 200,000 small-micro customers, and 20,000 corporate customers through 120 outlets; launched 'Minsheng Hui' online credit and 'Beehive Plan' for industrial clusters.民生银行石家庄分行通过120家网点服务570万个人客户、20万小微客户、2万公司客户；推出'民生惠'线上信用产品和'蜂巢计划'产业集群金融。
2025-12-31CMBC Chairman Gao Yingxin's total 2024 compensation was 4.9676 million yuan, down 909,700 yuan from 2023, but still the highest among joint-stock bank chairmen.民生银行董事长高迎欣2024年总薪酬496.76万元，较2023年减少90.97万元，但仍为股份制银行董事长薪酬之首。
2026-01-04CMBC Chairman Gao Yingxin's total 2024 compensation was 4.9676 million yuan, down 909,700 yuan from 2023.民生银行董事长高迎欣2024年薪酬合计496.76万元，比上年下降90.97万元。
2026-02-26CMBC launches safe deposit box service for gold storage, with annual rent of 200 yuan and deposit of 500 yuan for the smallest box, targeting individual gold investors.民生银行推出黄金保管箱业务，最小A型箱年租金200元、押金500元，面向个人黄金投资者。
2026-03-10Forever Opensource (恒拓开源) disclosed opening a new dedicated fundraising account at CMBC Beijing Aerospace Bridge Sub-branch for its low-altitude industry chain operation management service platform project, signing a tripartite supervision agreement with CMBC Beijing Branch and CITIC Securities.恒拓开源公告披露在民生银行北京航天桥支行新开募集资金专户，用于低空产业链运管服务综合管理平台项目，并与民生银行北京分行、中信建投证券签署三方监管协议。
2026-03-23CMBC announced it will hold a 2025 annual results conference via webcast on March 31, 2026, with Chairman Gao Yingxin, Vice Chairman and President Wang Xiaoyong, senior management, and independent director representatives attending.民生银行公告拟于2026年3月31日召开2025年度业绩交流会，通过网络直播方式，董事长高迎欣、副董事长行长王晓永及高级管理层成员和独立董事代表参加。
2026-03-27CMBC officially launched the 'Selected Guangdong New Quality Productive Forces Private Enterprise Bond Basket', comprising 3 high-quality private enterprise bonds in communications equipment and IT, with a trading unit of 60 million yuan.民生银行正式推出“优选广东新质生产力民企债券篮子”，精选3只通信设备、信息技术等领域优质民企债券，交易单位6000万元。
2026-03-30CMBC's 2025 annual report disclosed that Minsheng Financial Leasing (民生金租) had total assets of 174.097 billion yuan, net assets of 24.038 billion yuan, operating revenue of 5.902 billion yuan, and new leasing business投放 of 60.792 billion yuan, with inclusive finance accounting for 22.31% of new投放.民生银行2025年报披露，民生金租资产总额1740.97亿元，净资产240.38亿元，营业收入59.02亿元，完成租赁业务投放607.92亿元，普惠金融业务占比22.31%。
2026-03-30CMBC's 2025 annual report disclosed that Minsheng Wealth Management (民生理财) had total assets of 9.778 billion yuan, net assets of 9.346 billion yuan, operating revenue of 1.949 billion yuan, and managed wealth product scale of 1,318.379 billion yuan, up 29.80% YoY.民生银行2025年报披露，民生理财资产总额97.78亿元，净资产93.46亿元，营业收入19.49亿元，管理理财产品规模13183.79亿元，比上年末增长29.80%。
2026-03-30Non-executive director Shi Yuzhu received 2025 pre-tax compensation of 695,000 yuan, down from 875,000 yuan in 2024; his voting rights remain restricted due to high pledge of H-shares.非执行董事史玉柱2025年税前薪酬69.5万元，较2024年的87.5万元下降；其因H股高比例质押，表决权仍受限。
2026-04-24Launched 'E-Fangtong' (E房通) second-hand housing transaction fund supervision system in Tianjin, enabling digital, online fund supervision and faster settlement for property transactions.在天津推出“E房通”二手房交易资金监管系统，实现数字化线上资金监管和快速到账。
2026-05-20CMBC Shanghai Free Trade Zone branch successfully executed the first FTU (Free Trade Accounting Unit) investor bond investment in the Shanghai Free Trade offshore bond market, enabling cross-border investment.民生银行上海自贸试验区分行成功落地首批FTU（分账核算单元）投资者参与上海自贸离岸债券投资业务，实现跨境投资全流程操作。
2026-08-03CMBC held its first FT account DR benchmark rate loan in Shanghai, 10 million yuan, to an industrial gas supplier in the FTZ.民生银行在上海落地首单FT账户DR基准利率贷款，金额1000万元，借款人为自贸区内工业气体供应商。
2026-08-13CMBC assisted Shanghai Electric Global Capital in issuing 1.5 billion yuan green FT offshore bonds, the first non-financial corporate FT offshore bond since new rules in June.民生银行助力上海电气环球资本发行15亿元绿色自贸离岸债，为6月新规后首单非金融企业自贸离岸债。
2026-08-20CMBC Beijing branch completed Beijing's first online dual pre-notice to formal registration for pre-purchased commercial housing, with Haidian Real Estate Registration Center.民生银行北京分行配合海淀不动产登记中心落地北京市首笔预购商品房双预告转本全程网办业务。
2026-08-27Oceanwide Holdings disclosed court ruling terminating execution of a judgment in a loan dispute with CMBC; outstanding principal 860 million yuan.泛海控股披露与民生银行贷款纠纷执行裁定终结，涉及未偿还本金8.6亿元。
Corporate governance & board resolutions公司治理与董事会决议
13 · 2024-01-31 → 2026-07-30
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Board meetings, policy approvals, and governance structure changes.董事会会议、政策批准和治理结构变更。
2024-01-31Minsheng Bank board approved 'Authorization Management Measures for the Board of Directors' at the 44th meeting of the 8th Board.民生银行第八届董事会第四十四次会议审议通过《董事会授权管理办法》。
2024-02-27CMBC board of directors reviews the '2023 Annual Performance Compensation Clawback Report' at the 45th meeting.民生银行第八届董事会第四十五次会议审议《2023年度全行绩效薪酬追索扣回情况报告》。
2024-06-07CMBC's 8th Board of Directors held a temporary meeting; Dajia Insurance (大家保险) as a shareholder proposed an interim election for the 9th Board and Supervisory Committee, adding a board election agenda.民生银行第八届董事会召开临时会议，持股3%以上的股东大家人寿保险提出增加临时选举第九届董事会及监事会的议案。
2024-08-16Minsheng Bank's 9th Board of Directors meeting approved the 'Internet Loan Business Development Plan (2024-2026)', 'Recovery Plan (2024 Edition)', 'Resolution Plan Proposal (2024 Edition)', and 'Risk Appetite Statement (2024 Edition)'.民生银行第九届董事会第二次会议审议通过了《互联网贷款业务发展规划（2024-2026年）》、《恢复计划（2024年版）》、《处置计划建议（2024年版）》和《风险偏好陈述书（2024年版）》等议案。
2024-09-27Minsheng Bank's board of directors approves the appointment of the 2024 audit accounting firm and its remuneration at the 9th board's 5th meeting.民生银行第九届董事会第五次会议审议通过了关于聘任2024年度审计会计师事务所及其报酬的议案。
2024-10-28Minsheng Bank's extraordinary general meeting passed the 'Proposal to Revise the Articles of Association' with 82.9% approval (A+H shareholders); the revision involved 165 changes to comply with updates to the Company Law, Securities Law, and other regulations.民生银行临时股东大会以82.9%的赞成票通过《关于修订公司章程的议案》，修订涉及165处，以符合《公司法》《证券法》等法规更新。
2024-12-17Minsheng Bank's 9th Board of Directors 7th meeting approved revisions to the 'Capital Management Measures' and 'Remuneration Management Measures (Trial)'.民生银行第九届董事会第七次会议审议通过修订《资本管理办法》和《薪酬管理办法（试行）》的决议。
2024-12-30Minsheng Bank's board approved the 'Medium- and Long-term Capital Plan 2025-2029', revisions to the 'Major Real Estate Project Management Measures', and the Q4 2024 bad debt write-off resolution.民生银行董事会审议通过《中长期资本规划2025-2029年》、修订《重大房地产项目管理办法》及2024年第四季度呆账核销的决议。
2025-01-24Minsheng Bank's 9th Supervisory Board 6th meeting approved the 'Risk Appetite Statement (2025 Edition)'.民生银行第九届监事会第六次会议审议通过《风险偏好陈述书（2025版）》。
2025-05-30Board approved resolution to amend the company's articles of association and to abolish the board of supervisors (subject to shareholder vote).董事会审议通过修订公司章程及不再设立监事会的决议，将提交股东会审议。
2025-06-26Minsheng Bank held its 2024 Annual General Meeting, approving all 17 proposals including profit distribution, charter amendments, and the decision to abolish the Board of Supervisors.民生银行召开2024年年度股东大会，审议通过全部17项议案，包括利润分配、章程修订及取消监事会。
2026-01-30CMBC board approved ten major proposals including risk management, system revisions, organizational restructuring, and bad debt write-offs at the 17th meeting of the 9th board.民生银行第九届董事会第十七次会议审议通过风险管理、制度修订、组织架构调整及呆账核销等十项重要议案。
2026-07-30CMBC board approved 'Five-Year Development Plan (2026-2030)' along with nine other proposals at 23rd board meeting.民生银行第九届董事会第二十三次会议全票通过《五年发展规划(2026-2030)》等十项议案。
Real estate project financing (white-list)房地产项目融资（白名单）
4 · 2024-02-01 → 2025-01-10
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Provision of development loans and financing to 'white-list' real estate projects under coordination mechanisms.在协调机制下为“白名单”房地产项目提供开发贷款和融资。
2024-02-01CMBC Nanning branch disburses the first national 'white list' loan of 330 million yuan under the urban real estate financing coordination mechanism for the 'Beitou Heyuan' commercial housing project.民生银行南宁分行投放全国房地产项目“白名单”首笔贷款3.3亿元，用于支持南宁市“北投荷院”商品房住宅项目。
2024-02-16CMBC has received 867 projects from the urban real estate financing coordination mechanism, and has also issued development loans for the Nanning Yuxi Junlin Bay project.民生银行已收到城市房地产融资协调机制推送项目867个，并向南宁御玺君临湾项目发放开发贷款。
2024-05-27CMBC provided the first incremental loan of 50 million yuan to a 'white-list' project under the urban real estate coordination mechanism in Guangzhou.民生银行向广州市房地产融资协调机制首批白名单项目提供首笔增量贷款5000万元。
2025-01-10Minsheng Bank provided 50 million yuan in new financing and extended a loan for a 'white-list' real estate project in Zhengzhou under the city real estate coordination mechanism, supporting project resumption.民生银行在郑州房地产融资协调机制下，向白名单项目新增融资5000万元并完成贷款展期，支持项目复工。
Technology & digital transformation科技与数字化转型
23 · 2024-02-02 → 2026-07-15
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IT investments, system upgrades, AI deployments, and software copyright registrations.IT投资、系统升级、AI部署和软件著作权登记。
2024-02-02CMBC partners with Feishu to launch the 'i Minsheng' collaborative office platform, integrating search, service desk, knowledge base, and dictionary functions to reshape knowledge management.民生银行与飞书合作推出“i民生”协同办公平台，整合搜索、服务台、知识库、词典四项功能，重塑知识管理体系。
2024-02-29CMBC Xi'an Keji Road sub-branch successfully lands the bank's first 'Cai Zi Yun' (Treasury Cloud) business, providing digital treasury management for a rail transit electrical company.民生银行西安科技路支行落地分行首笔“财资云”业务，为一家轨道交通电气公司提供数字化财资管理服务。
2024-03-28Minsheng Bank's 2023 IT investment reached RMB 5.987 billion, up 27.19% YoY, accounting for 4.56% of revenue; fintech staff totaled 4,559, up 12.48% YoY.民生银行2023年信息科技投入59.87亿元，同比增长27.19%，占营收4.56%；金融科技人员4559人，增长12.48%。
2024-04-30CMBC registered a software copyright for 'CMBC Head Office Ronghe Cloud Container Cloud Platform V1.0'.民生银行新注册《中国民生银行总行融和云容器云平台V1.0》软件著作权。
2024-07-19CMBC announced that the Electronic Commercial Draft System (ECDS) will cease external services from July 27, 2024, with data migration to the new generation electronic draft system.民生银行宣布电子商业汇票系统（ECDS）将于2024年7月27日起停止对外服务，进行数据迁移。
2024-08-09Minsheng Bank registered a new software copyright for 'Minsheng Bank Mobile Banking Software (HarmonyOS Version) 8.14'.民生银行新注册《民生银行手机银行软件（HarmonyOS版）8.14》项目软件著作权。
2024-08-15Minsheng Bank announced a major information system upgrade on August 25, 2024, from 01:00 to 06:00 Beijing time, potentially causing intermittent transaction slowdowns or interruptions across all channels.民生银行公告将于2024年8月25日01:00至06:00进行重要信息系统升级维护，届时全行所有渠道业务可能发生多次交易缓慢或短暂中断。
2024-10-08Minsheng Bank's mobile banking app was upgraded by integrating with China UnionPay's Cloud QuickPass network payment platform, enabling dual-app access for credit cards and mobile banking.民生银行手机银行接入中国银联云闪付网络支付平台，实现信用卡“全民生活”和手机银行双APP接入升级。
2024-10-22Minsheng Bank selected Huawei OceanStor Dorado all-flash storage system for business system migration and transformation to support digital transformation and build a high-concurrency, high-availability open-source database management system.民生银行选择华为OceanStor Dorado全闪存存储系统进行业务系统迁移改造，打造高并发、高可用的开源数据库管理系统。
2024-11-07Mobile banking app integrated with China UnionPay's QuickPass network payment platform, enabling QR code payments at over 300 online merchants and all UnionPay offline merchants.手机银行APP接入中国银联云闪付网络支付平台，支持超300家线上商户及全量银联二维码线下商户扫码支付。
2024-11-29Registered software copyright for 'Minsheng Bank Customer Group Management System V1.0'.新注册《中国民生银行客群经营系统V1.0》软件著作权。
2025-02-09CMBC registered a new software copyright for 'CMBC Enterprise Mobile Banking Software (HarmonyOS version) 5.4'.民生银行新注册《民生银行企业手机银行软件（HarmonyOS版）5.4》软件著作权。
2025-02-17CMBC released the 'Digital Finance Construction and Innovation White Paper (2024)', outlining its digital finance strategy and achievements.民生银行发布《数字金融建设与创新白皮书（2024年度）》，展示数字金融战略框架与实践成果。
2025-02-26CMBC registered four new software copyrights including 'Card Issuing Partner Management System V1.0' and 'Customer Manager Easy Entry System V1.0'.民生银行新注册4个软件著作权，包括《发卡合作机构管理系统V1.0》、《客户经理易进件系统V1.0》等。
2025-02-27CMBC registered six new software copyrights including 'Dual-Mode Intelligent Agent Training System V1.0' and 'Sam's Co-branded Card Recommendation System V1.0'.民生银行新注册6个软件著作权，包括《双模智能坐席培训系统V1.0》、《山姆联名卡推荐系统V1.0》等。
2025-04-01CMBC's CIO Zhang Bin said the bank deployed 31 large-model AI applications covering 82 scenarios in 2024; AI code generation adoption rate exceeded 34%.民生银行首席信息官张斌表示，2024年落地31个大模型应用，覆盖82个场景；AI代码生成采用率超过34%。
2025-05-07Announced 2025 annual digital transformation key tasks, advancing 'AI+' strategy; served 119,600 tech firms and 27,100 specialized & new (专精特新) clients; green credit balance RMB 344.45B, +RMB 20.99B (+6.49%) vs end-2024.制定2025年度数字化转型重点任务，推进'AI+'战略；服务科技型企业11.96万户、专精特新客户2.71万户；绿色信贷余额3444.50亿元，比上年末增加209.91亿元（+6.49%）。
2025-08-29Minsheng Bank deployed an AI agent platform in H1 2025, adding 78 new application scenarios (vs. 80 in full-year 2024).民生银行2025年上半年部署AI智能体平台，新增78个应用场景（2024年全年为80个）。
2025-09-01CMBC deployed an AI agent platform in 2025 H1, adding 78 new application scenarios; large language models used in credit due diligence (80% of new credit scenarios) and retail customer manager marketing assistance.民生银行2025年上半年部署AI智能体平台，新增78个细分应用场景；大模型用于授信尽调（80%新增授信场景）和零售客户经理营销辅助。
2025-11-18CMBC announced the winning bidder for its 2025 PC server procurement (Package 1: Haiguang C86-AI server-Kunlun Core P800-8 card module, 7 units) as Inspur Computer Technology Co., Ltd.民生银行2025年PC服务器采购项目（包1：海光C86-AI服务器-昆仑芯P800-8卡模组，7台）中标候选人为浪潮计算机科技有限公司。
2025-12-13CMBC's General Manager of Data Management Department Shen Zhiyong shared the bank's layout of large-model AI applications (DeepSeek) in marketing, risk control, and operations at a fintech forum.民生银行总行数据管理部总经理沈志勇在金融科技论坛上分享该行布局大模型（DeepSeek）在营销、风控、运营等场景的应用。
2026-05-06CMBC released the 'Digital Finance Construction and Innovation White Paper (2025)', outlining a five-year action plan focusing on digitalization, intelligence, and model restructuring, and launching the iAgent intelligent agent platform and HarmonyOS ecosystem support.民生银行发布《数字金融建设与创新白皮书（2025年度）》，规划未来五年行动方案，聚焦数字化、智能化、模式重构，推出iAgent智能体平台和鸿蒙生态研发支撑体系。
2026-07-15CMBC scheduled major information system upgrade on July 19, 2026 01:00-05:00 Beijing time, suspending online banking, mobile banking, Minsheng Life APP, hotline, self-service devices, POS collection, quick payment and transfers.民生银行将于2026年7月19日01:00至05:00进行重要信息系统升级，期间暂停网银、手机银行、全民生活APP、客服热线、自助设备、POS收款、快捷支付和转账等业务。
Legal Disputes & Litigation法律纠纷与诉讼
9 · 2024-02-18 → 2026-08-14
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Involvement in lawsuits, disputes, and court rulings, including ownership confirmation, loan disputes, fraud cases, and compensation liabilities.涉及所有权确认、贷款纠纷、欺诈案件和赔偿责任等诉讼、争议和法院判决。
2024-02-18CMBC is involved in an ownership confirmation dispute lawsuit as defendant; plaintiff Yunnan Sishe Trade Co. withdraws the lawsuit.民生银行作为被告涉及所有权确认纠纷诉讼，原告云南四射贸易有限公司撤回起诉。
2024-03-24Dalian Wanda Commercial Management Group's RMB 16.205 billion equity in Dalian Xinda Meng Commercial Management was frozen due to a loan dispute with Minsheng Bank; parties reached a settlement and the freeze is expected to be lifted soon.大连万达商管所持大连新达盟约162.05亿元股权因与民生银行的经营贷纠纷被冻结，双方已和解，预计即将解冻。
2025-03-10Eastern Group, a major shareholder of CMBC, failed to repay 629 million yuan of raised funds on time; its loan balance at CMBC was about 7.4 billion yuan as of mid-2024.民生银行股东东方集团无法按期归还6.29亿元募集资金；截至2024年中其在民生银行贷款余额约74亿元。
2025-04-01CMBC disclosed that at end-2024, loans to the 'Dongfang Group' (东方集团) stood at RMB 7.694 billion, down ~RMB 1.9 billion YoY; a lawsuit has been filed with the Beijing Financial Court for the outstanding debt.民生银行披露，2024年末东方系贷款余额76.94亿元，同比减少约19亿元；已就欠款向北京金融法院提起诉讼。
2025-04-01CMBC disclosed that at end-2024, loans to Evergrande Group (恒大集团) stood at RMB 9.1 billion, all real estate project loans, with provisions made and no material impact expected.民生银行披露，2024年末恒大集团贷款余额91亿元，均为房地产项目贷款，已计提拨备，预计无重大影响。
2025-04-10CMBC Beijing branch filed four lawsuits against Dongfang Group and related parties for letter of credit and loan disputes, with total principal involved of RMB 1.03 billion plus interest and penalties.民生银行北京分行就信用证及金融借款合同纠纷对东方集团等提起四起诉讼，涉案本金总额10.3亿元及利息罚息。
2025-07-30A civil judgment from the Supreme People's Court revealed that Minsheng Bank Fuzhou Branch was ordered to compensate over 11.6 million yuan for losses, including principal and interest, for falsely promising loan renewal to induce a lender to provide 15 million yuan in bridge loans, which then defaulted.最高人民法院披露的民事判决书显示，民生银行福州分行因谎称可以续贷诱使出借人提供1500万元过桥资金，后未续贷导致损失，被判赔偿本金及利息损失共计1160万余元。
2025-12-26Beijing No.3 Intermediate People's Court ruled in a second-instance 'flying orders' case that CMBC bears 20% compensation liability, related to a former employee's illegal fundraising of 90 million yuan.北京三中院二审判决民生银行在'飞单'案中承担20%赔偿责任，涉及前员工非法吸收公众存款9000万元。
2026-08-14CMBC Wuhan branch filed a lawsuit over a 485 million yuan development loan against Jingrui Tianbin project company; parent Jingrui has been wound up, 1.17 billion yuan guarantee uncertain.民生银行武汉分行就4.85亿元开发贷起诉景瑞天赋滨江项目公司；母公司景瑞已清盘，11.7亿元连带保证追回不确定。
Fraud Prevention & Security反欺诈与安全
5 · 2024-02-19 → 2026-06-29
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Assisting police in busting fraud gangs, intercepting telecom fraud, and launching rumor-debunking platforms.协助警方打击诈骗团伙、拦截电信诈骗，并上线辟谣平台。
2024-02-19CMBC Beijing Zhujiang Yujing community branch assists police in busting a fraud gang, arresting 11 suspects and seizing 139 bank cards and 4 phones.民生银行北京珠江御景社区支行协助警方打掉一个涉诈团伙，抓获嫌疑人11名，起获涉案银行卡139张、手机4部。
2025-02-27CMBC Beijing Guangqumen sub-branch, with head office remote agents, successfully intercepted telecom fraud, saving a 72-year-old customer 1.81 million yuan.民生银行北京广渠门支行联动总行远程坐席成功堵截电信诈骗，为72岁客户挽损181万元。
2025-03-21CMBC Beijing Guangqumen sub-branch, with head office and police, successfully intercepted telecom fraud, saving a 72-year-old customer 1.81 million yuan.民生银行北京广渠门支行联动总行及警方成功堵截电信诈骗，为72岁客户挽回损失181万元。
2026-05-26CMBC launched its official WeChat rumor-debunking account 'China Minsheng Bank Rumor Debunking Platform' to combat financial sector rumors.民生银行正式上线官方微信辟谣公众号“中国民生银行辟谣平台”，聚焦银行业和金融领域典型谣言。
2026-06-29Launched an official rumor-debunking public account on WeChat, becoming the third financial institution in China (after CITIC Group and Minsheng Bank itself) to do so, focusing on financial fraud and misinformation.上线辟谣平台公众号，成为继中信集团后金融圈第三家上线辟谣平台的金融机构，内容聚焦金融领域诈骗和防诈骗信息。
Dongyue Silicone stake reduction减持东岳硅材股份
3 · 2024-02-26 → 2024-10-22
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Minsheng Bank Beijing branch reduces its stake in Dongyue Silicone through multiple transactions.民生银行北京分行通过多笔交易减持东岳硅材股份。
2024-02-26CMBC Beijing branch reduces its stake in Dongyue Silicone by 14,825,300 shares (1.24% of total shares) from September 13, 2023 to February 26, 2024.民生银行北京分行自2023年9月13日至2024年2月26日累计减持东岳硅材股份1482.53万股，占总股本1.24%。
2024-09-05Minsheng Bank Beijing Branch plans to reduce its stake in Dongyue Silicone by up to 0.79% (9.5 million shares) within 3 months via centralized auction or block trade, due to asset disposal requirements for debt assets.民生银行北京分行计划在3个月内通过集中竞价或大宗交易减持东岳硅材不超过0.79%股份（950万股），原因为抵债资产处置要求。
2024-10-22Minsheng Bank Beijing Branch reduced its stake in Dongyue Silicone (300821.SZ) by 24,074,698 shares (2.01% of total shares) through centralized bidding from April 14, 2023 to October 21, 2024, lowering its holding to 5.00%.民生银行北京分行于2023年4月14日至2024年10月21日通过集中竞价累计减持东岳硅材（300821.SZ）24,074,698股（占总股本2.01%），持股比例降至5.00%。
Branch network expansion & closures网点扩张与关闭
19 · 2024-02-27 → 2026-08-21
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Opening, renaming, relocating, and closing of sub-branches and community outlets.支行和社区网点的开设、更名、迁址和关闭。
2024-02-27CMBC Xianyang branch opens Jinxu Road community sub-branch, expanding service coverage and focusing on community banking.民生银行咸阳分行金旭路社区支行开业，扩大服务覆盖范围，专注社区银行服务。
2024-03-22Minsheng Bank Shenzhen Huanggang Sub-branch renamed to Shenzhen Meilin Sub-branch, approved by Shenzhen Financial Regulatory Bureau.民生银行深圳皇岗支行获批更名为深圳梅林支行。
2024-04-19CMBC Xiamen Xinyang community sub-branch received approval to open from the NFRA Xiamen bureau.民生银行厦门新阳社区支行获厦门监管局批准开业。
2024-05-21CMBC opened its first art-themed branch, the Huangpu Sub-branch in Shanghai, integrating art elements from the Minsheng Art Museum.民生银行首家艺术特色网点——上海黄浦支行开业，融入民生现代美术馆艺术元素。
2024-06-28CMBC Dongguan Nancheng Wanxiangfu Community Sub-branch officially opened, positioned as the first 'night market bank' in Nancheng CBD, with extended hours until 7 PM.民生银行东莞南城万象府社区支行正式开业，定位为南城CBD首家“夜市银行”，营业时间延长至晚上7时。
2024-07-02CMBC Bazhong West City Small & Micro Sub-branch was approved to rename to Bazhong East City Small & Micro Sub-branch and relocate.民生银行巴中西城小微支行获批更名为巴中东城小微支行并迁址。
2024-07-05CMBC Chengdu Beicheng Tianjie Community Sub-branch was approved to terminate operations.民生银行成都北城天街社区支行获批终止营业。
2024-07-30CMBC Nanyang Hejia Tianyuan Community Sub-branch was approved to terminate operations.民生银行南阳家和春天社区支行获批终止营业。
2024-08-19Minsheng Bank Taizhou Luqiao Sub-branch received approval from the Zhejiang Financial Regulatory Bureau to commence operations.民生银行台州路桥支行获浙江金融监管局批复同意开业。
2024-08-23The Linyi Financial Regulatory Office approved the closure of Minsheng Bank Linyi Donglaishangcheng Community Sub-branch; Minsheng Bank Jinan Branch has closed a total of 11 sub-branches over the past two years.临沂金融监管分局批复同意民生银行临沂东来尚城社区支行终止营业；民生银行济南分行两年来总计关停11家支行。
2024-09-03Minsheng Bank's Handan Chunguang Garden Community Sub-branch approved to terminate business.民生银行邯郸春光花园社区支行获批终止营业。
2024-09-18Minsheng Bank Handan Wanghuayuan Community Sub-branch approved to terminate business.民生银行邯郸旺角花园社区支行获批终止营业。
2024-10-31Minsheng Bank Qingdao Private Banking Center officially opened on October 25, 2024, with General Manager Huang Jin of the Head Office Wealth Management/Private Banking Department and Qingdao Branch President Li Zhen attending the ceremony.民生银行青岛私银中心于2024年10月25日正式开业，总行财富管理部/私人银行部黄晋总经理、青岛分行行长李真等出席开业仪式。
2024-12-23NFRA approved the opening of Minsheng Bank Urumqi Tianjin North Road Community Sub-branch, with Lin Xiaoqin (林晓琴) as the sub-branch manager.国家金融监督管理总局批复同意民生银行乌鲁木齐天津北路社区支行开业，核准林晓琴的支行行长任职资格。
2025-02-27NFRA Fujian office approved the opening of CMBC Zhangzhou Guancheng International Community sub-branch.国家金融监督管理总局福建监管局同意民生银行漳州冠成国际社区支行开业。
2025-02-28CMBC Xianyang Yuhong Health Huacheng community sub-branch officially opened, expanding community banking services.民生银行咸阳分行宇宏健康花城社区支行开业，扩大社区金融服务覆盖。
2025-10-16CMBC Beijing Huairou sub-branch opened, marking the 100th standard sub-branch in the capital.民生银行北京怀柔支行开业，成为该行在首都设立的第100家标准型支行网点。
2026-07-30CMBC board approved changing registered address from Xicheng District to Chaoyang District (Jinhe Road No.9 Courtyard 1 Building), subject to NFRA approval and shareholder meeting.民生银行董事会审议通过变更住所议案，注册地址由西城区变更为朝阳区金和路9号院1号楼，需经金融监管总局核准及股东会审议。
2026-08-21CMBC shareholders approved moving registered address from Xicheng to Chaoyang CBD new HQ building (195,700 sqm), pending NFRA approval.民生银行股东会批准将注册地址由西城区迁至朝阳区CBD新总部大楼（19.57万平方米），待金融监管总局核准。
Product & Service Adjustments产品与服务调整
19 · 2024-02-27 → 2026-08-17
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Changes to user agreements, fees, service discontinuations, and adjustments to transfer limits, card functions, and loyalty programs.对用户协议、费用、服务停用、转账限额、卡片功能和忠诚度计划进行调整。
2024-02-27CMBC revises the 'Minsheng Pay Scan Code User Agreement' regarding personal information processing, effective from March 5, 2024.民生银行修订《民生付扫码用户协议》中个人信息处理相关内容，自2024年3月5日起生效。
2024-04-12CMBC announced new fees for spot trading product settlement, effective from July 10, 2024, after a three-month public consultation period.民生银行公示拟新增现货易产品结算手续费，自2024年7月10日起实施。
2024-06-06CMBC will stop the 'ATM无卡取现' (cardless ATM withdrawal) function on personal mobile banking and all cash machines from June 7, 2024.民生银行自2024年6月7日起停止个人手机银行“ATM无卡取现”功能，现金机具也不再支持该功能。
2024-06-06CMBC will close the consumption function of stored-value cards and special-purpose cards (except Nanjing Suguo Card) from September 27, 2024.民生银行自2024年9月27日起关闭储值卡、专户卡的消费功能（南京苏果卡除外）。
2024-07-19CMBC announced it will stop fast redemption services for certain money market funds (e.g., Minsheng Jia Yin Cash Bao C, Xingye Money A, Nanfang Cash Zengli A, Yifangda Tian Tian Licai A) from July 26, 2024.民生银行宣布自2024年7月26日起停止部分货币基金（如民生加银现金宝C、兴业货币A等）的快速赎回业务。
2024-07-23CMBC announced it will stop the 'Xinyingbao' service: auto-purchase function ceases from July 25, and full service (including fast redemption, auto-redemption) stops from July 26, 2024.民生银行宣布停止“薪盈宝”服务：7月25日起停止自动申购，7月26日起全面停止（含快速赎回、自动赎回）。
2024-08-07Minsheng Bank announced a new priority clearing service fee, with a public comment period from August 7 to November 7, 2024, effective November 6, 2024.民生银行公示新增优先清算服务费，公示期为2024年8月7日至11月7日，自2024年11月6日起实施。
2024-09-14Minsheng Bank will close the consumption function of stored-value cards and special-purpose cards from October 11, 2024, except for Nanjing Suguo cards.民生银行自2024年10月11日起关闭储值卡、专户卡的消费功能，南京苏果卡除外。
2024-09-18Minsheng Bank adjusts daily transfer limit for over-the-counter book-entry bond custody transfer business to no more than RMB 10,000 (face value equivalent) per day.民生银行将柜台记账式债券转托管业务每日转出限额调整至不超过1万元（含）等额面值债券。
2025-07-04Minsheng Bank announced that starting July 11, 2025, it will stop providing automatic subscription services for its money market fund products on the 'State Grid Online' and 'Electric Pay' platforms.民生银行宣布自2025年7月11日起，停止在“网上国网”和“电e宝”平台提供其代销货币基金产品的自动申购服务。
2026-03-27CMBC will stop providing the linked payment service using money market fund quick-redemption funds on the 'Online State Grid' (网上国网) and 'Electric e-Bao' (电e宝) platforms from April 17, 2026.民生银行将于2026年4月17日起停止在“网上国网”、“电e宝”平台提供使用公募货币基金快赎资金进行联动支付的服务。
2026-03-31The Beijing Communications Administration listed CMBC's ICP filing number (京ICP备05020372号-9X) as an empty shell record, requiring rectification within a week or the filing will be cancelled.北京市通信管理局将民生银行ICP备案号京ICP备05020372号-9X列入空壳名单，要求一周内整改，否则将注销备案。
2026-04-09Announced optimization of 'Feifan Liyu' (非凡礼遇) loyalty program: adjusted points for golf services, ended subsidies for airport transfers and lounge access, launched promotional discounts for medical appointments.公告优化“非凡礼遇”权益项目：调整高尔夫服务积点标准，结束机场接送、贵宾休息室等优惠期，开展预约看诊等阶段性优惠。
2026-06-01CMBC will terminate 'Rehabilitation', 'Nursing', and 'Travel' rights services under its 'Feifan Liyu' (Extraordinary Benefits) program from June 1, 2026.民生银行自2026年6月1日起终止提供“非凡礼遇”业务中的“康复”“护理”“旅居”三项权益服务。
2026-06-11CMBC will adjust ATM QR code cash withdrawal services, with some ATMs no longer offering this function from June 11, 2026.民生银行自2026年6月11日起调整ATM扫码取现服务，部分ATM机具不再提供该服务。
2026-06-11CMBC will officially discontinue the 'Account Link' (Zhanghu Tong) product from June 11, 2026, to consolidate low-activity products.民生银行自2026年6月11日起正式下线“账户通”产品，以整合低活跃度产品。
2026-07-15CMBC announced offline of 'CMBC Corporate Online Banking' mini-program from October 31, 2026, with functions integrated into 'CMBC e-Diantong' mini-program.民生银行公告自2026年10月31日起下线“民生银行对公线上银行”小程序，功能整合至“民生银行e点通”小程序。
2026-07-15CMBC announced discontinuation of automatic renewal for small-micro enterprise agreement interest product, with product terminating after contract expiry and unpaid interest paid at next quarterly settlement.民生银行公告小微企业协定利产品不再自动续期，合同期满后终止，未付利息于最近季度结息日支付。
2026-08-17CMBC will shut down active collection service on mobile banking and personal online banking from Nov 18, 2026.民生银行将于2026年11月18日起关停手机银行和个人网银的主动收款服务功能。
Capital Market & Investment Activities资本市场与投资活动
10 · 2024-02-27 → 2026-06-30
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Participation in bond issuance, share transfers, investments in companies, and changes in shareholder structure.参与债券发行、股权转让、公司投资以及股东结构变化。
2024-02-27CMBC participates as a related party in GF Securities' corporate bond issuance, subscribing for 510 million yuan.民生银行作为关联方参与广发证券公司债券发行，认购金额5.1亿元。
2024-07-25CMBC's stock fell over 3% following 18 block trades on July 24 with total turnover exceeding 678 million yuan and a maximum discount of 7%, all sold via Minsheng Securities Beijing First Branch.民生银行股价大跌超3%，此前一日发生18笔大宗交易，成交额超6.78亿元，最大折价7%，卖方均为民生证券北京第一分公司。
2024-11-28Listed 788 million shares (13.13% stake) of Minsheng Life Insurance on Beijing Equity Exchange for transfer, with cash dividends of 420 million yuan.在北京产权交易所挂牌转让所持民生人寿7.88亿股股份（占比13.13%），涉及现金股利4.2亿元。
2025-06-30Minsheng Bank stated at its AGM that Oceanwide Holdings Group is no longer a shareholder, and that new institutional investors including fund companies and insurers have been added in the past six months.民生银行在股东大会上表示，泛海控股集团已不再是股东，近半年新增多家基金公司、保险机构等机构投资者。
2025-07-05Hong Kong Liye Group purchased approximately 199 million H-shares of Minsheng Bank (0.455% of total shares). After the increase, Liye Group and its concert parties hold 4.945% of Minsheng Bank, becoming the fourth largest shareholder, approaching the 5% disclosure threshold.香港立业集团有限公司购入民生银行约1.99亿股H股（占总股本0.455%）。增持后，立业集团及其一致行动人持股比例达4.945%，成为第四大股东，逼近5%举牌线。
2025-08-14Minsheng Bank invested in Beijing Golden Orange Technology Co., Ltd. (instrument manufacturing) with a 0.49% stake.民生银行对外投资北京金橙子科技股份有限公司（仪器仪表制造业），持股0.49%。
2025-08-20Minsheng Bank invested in Shenzhen Shenliang Holdings Co., Ltd. (food manufacturing) with a 0.17% stake.民生银行对外投资深圳市深粮控股股份有限公司（食品制造业），持股0.17%。
2025-08-27Minsheng Bank invested in Tianjin Motimo Membrane Technology Group Co., Ltd. (special equipment manufacturing) with a 0.6% stake.民生银行对外投资天津膜天膜膜科技集团股份有限公司（专用设备制造业），持股0.6%。
2025-08-28Minsheng Bank invested in Huaping Information Technology Co., Ltd. (software and IT services) with a 0.42% stake.民生银行对外投资华平信息技术股份有限公司（软件和信息技术服务业），持股0.42%。
2026-06-30Songdu Service subscribed to 148 million yuan of Minsheng Bank's 'Juying Series - Monthly盈' structured deposit product (principal-guaranteed floating rate, 0.80%-1.89% p.a., 30-day cycle).宋都服务认购民生银行1.48亿元“聚赢系列-月月盈”结构性存款产品（保本浮动收益型，预计年利率0.80%-1.89%，30天为一个周期）。
SME & Inclusive Finance Products中小企业与普惠金融产品
19 · 2024-02-28 → 2026-07-30
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Launching specialized loan products and services for small and micro enterprises, including tech talent loans, supply chain finance, and national subsidy loans.为中小微企业推出专项贷款产品和服务，包括科技人才贷、供应链金融和国补贷。
2024-02-28CMBC Yantai branch launches online financing products for export enterprises and small-micro businesses, approving 38.98 million yuan for 10 export firms and 72.04 million yuan for 166 small firms.民生银行烟台分行推出面向出口企业和中小微企业的线上化融资产品，为10家出口企业授信3898万元，为166家小微企业授信7204万元。
2024-04-12CMBC Nanjing branch, Taizhou branch, and Xinghua sub-branch jointly launched 'Beehive Plan - Xinghua Crab Farmer Loan', providing a batch credit line of 60 million yuan to crab farmers.民生银行南京分行、泰州分行、兴化支行为兴化蟹农推出“蜂巢计划—兴化蟹农贷”，提供6000万元批量授信额度。
2024-06-24CMBC Changzhou Branch, together with the Municipal Federation of Industry and Commerce, launched the '521 Project', aiming to add 2,000 SME clients and 10 billion yuan in inclusive loans in Changzhou over 5 years.民生银行常州支行与市工商联共同启动“521”工程，力争5年内在常州新增服务中小微企业2000户，新增投放普惠贷款100亿元。
2024-11-08Launched 'Heavy Truck Quick Loan' product in Xi'an, providing 3 million yuan credit line to an auto parts supplier within minutes.在西安推出“重卡快贷”产品，为一家汽车零部件供应商几分钟内获批300万元信用贷款。
2024-12-09Minsheng Bank launched a small and micro electronic guarantee (小微电子保函) service, allowing online application and issuance within 2 hours, initially rolled out in Beijing, Shanghai, Wuhan, Chongqing, Dalian, etc.民生银行推出小微电子保函服务，支持线上申请并在2小时内出函，已在北京、上海、武汉、重庆、大连等地落地。
2025-03-12CMBC launched agricultural supply chain finance products including special loans for planting, breeding, and photovoltaic mortgages, partnering with over 50 leading agricultural firms and serving over 8,000 chain clients.民生银行推出种植、养殖专项贷款及农户光伏按揭贷款等供应链金融产品，与50余户农业头部客户合作，服务链上客户8000余户。
2025-03-24CMBC Xi'an branch launched 'Talent Tech Loan' (科技人才贷), offering up to 5 million yuan in unsecured credit based on talent credentials for high-level innovators.民生银行西安分行推出“科技人才贷”，基于人才资质最高可提供500万元信用贷款。
2025-06-12Minsheng Bank Wenzhou Branch launched a small-micro online guarantee letter business, offering up to RMB 5 million in额度 with same-day issuance and fully online processing.民生银行温州分行推出小微线上保函业务，最高额度500万元，支持智能审批、全程线上、最快当日出函。
2025-06-13Minsheng Bank Jieyang Branch formulated a 'Jieyang Pharmaceutical Distribution Enterprise Credit Plan', serving 42 local pharmaceutical firms with credit ranging from RMB 2-80 million and bill financing exceeding RMB 500 million.民生银行揭阳分行制定《揭阳医药流通企业信贷计划》，已服务42家医药流通企业，单户授信200-8000万元，票据融资超5亿元。
2025-07-13Minsheng Bank Beijing Branch successfully issued the first 'National Subsidy Loan' in Beijing, a dedicated loan product for small and micro enterprises participating in the national consumer goods subsidy program, focusing on home appliances and 3C digital products.民生银行北京分行成功落地北京地区首笔“国补贷”，这是面向参与国家消费品补贴活动小微企业的专属贷款产品，聚焦家电、3C数码产品等领域。
2025-09-04CMBC Beijing branch partnered with the Qianyi Changrong platform to offer special loan rates for SMEs: 'Little Giant' firms from 2.5%, specialized & new SMEs from 2.8%, and a discount coupon campaign (7.5-90% off) with minimum rate 3.65%, valid until Dec 31, 2025.民生银行北京分行携手千亿畅融平台为中小企业提供专项贷款利率优惠：专精特新'小巨人'企业利率2.5%起，专精特新中小企业利率2.8%起，另有7.5折至9折不等的利率优惠券活动，提款利率折扣后3.65%起，有效期至2025年12月31日。
2025-09-08CMBC Wenzhou branch successfully issued the first 'National Subsidy Loan' (国补贷) in the Wenzhou region, providing financing to a Gree appliance dealer participating in the national consumption subsidy program; the dealer's subsidized product sales exceeded 10 million yuan in 2025.民生银行温州分行成功落地温州地区首笔'国补贷'业务，为参与'国补'活动的格力电器经销商提供融资；该经销商2025年参与'国补'活动的家电产品销售额已突破1000万元。
2025-11-03CMBC Nanchang branch launched 'Guo Bu Dai' (National Subsidy Loan), a credit loan product for consumer goods businesses, issuing the first RMB 5 million loan to a 3C digital products company.民生银行南昌分行推出'国补贷'信用贷款产品，向一家3C数码产品企业发放首笔500万元贷款。
2026-01-28CMBC Nanchang branch disbursed a 3 million yuan unsecured digital credit loan to a jewelry distributor via mobile banking, using multi-dimensional transaction data instead of collateral.民生银行南昌分行通过手机银行向珠宝经销商发放300万元纯信用数字贷款，以多维交易数据替代抵押物。
2026-04-01Launched 'Order Quick Loan' (订货快贷) for small and micro enterprises in Jiujiang, offering same-day online approval and disbursement up to 450,000 yuan.在九江推出小微企业专属产品“订货快贷”，实现当天线上审批放款，最高45万元。
2026-04-02Launched 'Youke+' (优客+) residential mortgage loan product for small and micro enterprises, with LTV up to 120% and preferential interest rates; Xi'an branch provided a 4.9 million yuan loan with 1% service industry subsidy.推出小微企业“优客+”住宅抵押贷款产品，抵押率最高达120%；西安分行发放490万元贷款并给予1%服务业贴息。
2026-07-21CMBC's 'Minsheng Quick Loan' via Minsheng Micro APP delivered 3 million yuan loans within 5 minutes to two small enterprises in Liuzhou, Guangxi, with flexible repayment.民生银行“民生快贷”通过民生小微APP在5分钟内为广西柳州两家小微企业放款300万元，支持随借随还。
2026-07-24CMBC Yiwu branch provided 'Export e-Finance' unsecured loan product, approving 5 million yuan loan same-day based on export collection data, plus cross-border settlement services.民生银行义乌支行提供“出口e融”纯信用贷款产品，基于出口收汇数据当日审批500万元贷款，并配套跨境结算服务。
2026-07-30CMBC Chongqing branch launched 'Mo Su Rong' tailored financial product for motorcycle industry cluster, serving 77 motorcycle enterprises with credit balance of 759 million yuan.民生银行重庆分行推出特色金融产品“摩速融”，服务摩托车企业77户，授信余额合计7.59亿元。
Capital replenishment & bond issuance资本补充与债券发行
22 · 2024-03-04 → 2026-07-21
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Issuance of Tier-2, perpetual, green, and other bonds to manage capital and liabilities.发行二级资本债、永续债、绿色债等以管理资本和负债。
2024-03-04Minsheng Bank applied to list a USD 5 billion medium-term note program on the Hong Kong Stock Exchange, effective from March 5, 2024.民生银行申请50亿美元中期票据计划于港交所上市，自2024年3月5日起生效。
2024-04-30CMBC successfully issued 30 billion yuan in Tier-2 capital bonds (first tranche 2024), 10-year fixed rate at 2.50%, with issuer call option at year 5, to replenish Tier-2 capital.民生银行成功发行300亿元2024年第一期二级资本债券，10年期固定利率2.50%，第5年末附发行人赎回权，用于补充二级资本。
2024-05-02CMBC completed the issuance of 30 billion yuan in Tier-2 capital bonds (first tranche of 2024), with a 10-year term, a coupon rate of 2.50%, and a subscription multiple of 1.8 times.民生银行完成发行300亿元二级资本债券（2024年第一期），期限10年，票面利率2.50%，全场认购倍数1.8倍。
2024-07-22CMBC issued the 2024 288th tranche of negotiable certificates of deposit (24 Minsheng Bank CD288) with a yield of 2%, a 1-year term, and an actual issuance volume of 13.97 billion yuan.民生银行发行2024年第288期同业存单（24民生银行CD288），发行收益率2%，期限1年，实际发行量139.7亿元。
2024-08-07Minsheng Bank issued the 2024 No. 310 interbank certificate of deposit (24 Minsheng Bank CD310) with an issuance yield of 1.82%, a 1-year term, and an actual issuance volume of CNY 0.4 billion.民生银行发行2024年第310期同业存单（24民生银行CD310），发行收益率1.82%，期限1年，实际发行量0.4亿元。
2024-08-12Minsheng Bank issued the 2024 No. 313 interbank certificate of deposit (24 Minsheng Bank CD313) with an issuance yield of 1.9%, a 1-year term, and an actual issuance volume of CNY 1.2 billion.民生银行发行2024年第313期同业存单（24民生银行CD313），发行收益率1.9%，期限1年，实际发行量12亿元。
2024-08-16Minsheng Bank successfully issued the 2024 Perpetual Subordinated Bond (Tranche 1) with a total actual issuance size of CNY 30 billion, a coupon rate of 2.35% for the first 5 years, and a redemption option at each interest payment date after year 5.民生银行成功发行2024年无固定期限资本债券（第一期），实际发行总额300亿元，前5年票面利率2.35%，第5年及之后每个付息日附发行人赎回权。
2024-09-09Minsheng Bank Hong Kong Branch plans to issue a 3-year USD bond with initial guidance at SOFR + 110 bps, rated BBB- (stable) by S&P.民生银行香港分行计划发行3年期美元债券，初始指导价为SOFR+110基点，获标普BBB-稳定评级。
2024-09-10Minsheng Bank issues RMB 350 million in 1-year interbank certificates of deposit (CD) with an issuance yield of 1.97%.民生银行发行3.5亿元1年期同业存单，发行收益率1.97%。
2024-09-13Minsheng Bank Hong Kong Branch issues USD 300 million floating rate notes due 2027 under its USD 5 billion medium-term note program, listed on the Hong Kong Stock Exchange.民生银行香港分行根据50亿美元中期票据计划发行3亿美元2027年到期的浮动利率票据，在香港联交所上市。
2024-09-14Minsheng Bank issues RMB 8.1 billion in 3-month interbank certificates of deposit (CD) with an issuance yield of 1.86%.民生银行发行81亿元3个月期同业存单，发行收益率1.86%。
2024-11-04Issued 2024 second tranche perpetual subordinated bonds (100 billion yuan, coupon 2.73% for first 5 years) to replenish Tier-1 capital.成功发行2024年第二期无固定期限资本债券100亿元，前5年票面利率2.73%，用于补充其他一级资本。
2025-02-19CMBC successfully issued the first tranche of 2025 green financial bonds, raising 10 billion yuan at a 1.70% coupon for 3 years, proceeds for green projects.民生银行成功发行2025年第一期绿色金融债券，规模100亿元，票面利率1.70%，期限3年，募集资金用于绿色产业项目。
2025-02-21CMBC successfully issued the first tranche of 2025 financial bonds, raising 20 billion yuan at a 1.85% coupon for 3 years, to optimize liability structure.民生银行成功发行2025年第一期金融债券，规模200亿元，票面利率1.85%，期限3年，用于优化负债期限结构。
2025-04-17The National Financial Regulatory Administration approved CMBC to issue RMB 150 billion in capital instruments, to be completed by June 9, 2026.国家金融监督管理总局批复同意民生银行发行1500亿元人民币资本工具，于2026年6月9日前完成。
2025-04-29CMBC issued RMB 40 billion in 10-year Tier-2 capital bonds (first tranche of 2025) at a coupon rate of 2.35%, to supplement Tier-2 capital.民生银行成功发行2025年第一期二级资本债券400亿元，10年期固定利率，票面利率2.35%，用于补充二级资本。
2025-06-23Minsheng Bank successfully issued its 2025 first tranche of perpetual subordinated bonds (Tier-1 capital bonds) on the interbank market, raising RMB 30 billion at an initial coupon rate of 2.30%.民生银行成功发行2025年第一期无固定期限资本债券（一级资本债券），规模300亿元，前5年票面利率2.30%。
2025-10-16CMBC issued 10 billion yuan in green financial bonds in H1 2025, proceeds for green infrastructure, energy conservation, and clean production.民生银行2025年上半年发行了100亿元绿色金融债券，募集资金用于基础设施绿色升级、节能环保、清洁生产等绿色产业项目。
2025-12-05CMBC successfully issued 6 billion yuan in 3-year floating-rate financial bonds (second tranche of 2025) on the interbank bond market, with initial coupon rate of 1.88% linked to 1-year LPR.民生银行成功发行60亿元3年期浮动利率金融债券（2025年第二期），首期票面利率1.88%，挂钩1年期LPR。
2026-04-20Successfully issued the first tranche of 2026 subordinated bonds (Tier-2 capital bonds) of 30 billion yuan, 10-year fixed rate at 2.13%, with issuer call option at year 5, to replenish Tier-2 capital.成功发行2026年第一期二级资本债券300亿元，10年期固定利率2.13%，第5年末附发行人赎回权，用于补充二级资本。
2026-05-11CMBC successfully issued RMB 30 billion in perpetual subordinated bonds (Phase 1, 2026) with a 2.12% coupon for the first 5 years, to replenish Tier-1 capital.民生银行成功发行300亿元无固定期限资本债券（第一期），前5年票面利率2.12%，用于补充其他一级资本。
2026-07-21CMBC issued 15 billion yuan 3-year green financial bonds (first tranche 2026) at 1.50% coupon on interbank market, proceeds for green industry projects per 2025 Green Finance Support Project Catalogue.民生银行在全国银行间债券市场成功发行150亿元3年期绿色金融债券（2026年第一期），票面利率1.50%，募集资金用于绿色产业项目。
Green finance & carbon market services绿色金融与碳市场服务
18 · 2024-03-06 → 2026-07-16
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Launch of green loans, carbon market financial plans, and green bond indices.推出绿色贷款、碳市场金融服务计划和绿色债券指数。
2024-03-06Minsheng Bank Wuhan Branch issued Hubei's first sustainability-linked loan of RMB 20 million to Gezhouba Laohekou Cement Co., Ltd. for low-carbon transformation, with interest rate tied to carbon reduction targets.民生银行武汉分行向葛洲坝老河口水泥有限公司发放湖北首单可持续发展挂钩贷款2000万元，利率与碳减排成效挂钩。
2024-03-18Minsheng Bank launched the 'Tongxin Carbon Road' CCER carbon market financial service plan at a promotion conference in Beijing, focusing on carbon asset financing and data-driven ecological loans.民生银行在京推出“同心碳路”CCER碳市场金融服务方案，涵盖碳资产融资和碳数据生态贷。
2024-04-18CMBC held 'Green Infinite, Carbon Explore' CCER carbon market financial services promotion conference in Beijing, officially launching the 'Tongxin Carbon Road' financial service plan.民生银行在京举办CCER碳市场金融服务推广会，正式推出“同心碳路”金融服务方案。
2024-07-04CMBC and Shanghai Clearing House jointly launched the 'Shanghai Clearing House CMBC Green Bond Select Index' and introduced the market's first structured deposit product linked to a green bond index.民生银行与上海清算所联合发布“上海清算所民生银行绿色债券精选指数”，并推出全市场首款挂钩绿色债券指数的结构性存款产品。
2025-03-28CMBC 2024 annual report: green credit balance 323.459 billion yuan (+22.41% YoY); tech-enterprise loan balance 412.2 billion yuan (+8% YoY); small-micro loan balance 855.102 billion yuan.民生银行2024年报：绿色信贷余额3234.59亿元（同比+22.41%），科技型企业贷款余额4122亿元（同比+8%），小微贷款余额8551.02亿元。
2025-04-01CMBC reported that its green credit balance reached RMB 323.4 billion at end-2024, up 22.4% YoY; inclusive小微 loan balance was RMB 662.718 billion, up 8.24%.民生银行2024年末绿色信贷余额3234亿元，同比增长22.4%；普惠型小微企业贷款余额6627.18亿元，同比增长8.24%。
2025-05-12Launched policy in Wuhan allowing personal carbon reductions (e.g., bus, subway, cycling) to offset loan interest at Minsheng Bank (1,000g carbon = RMB 2), valid until Dec 31, 2025.武汉上线凭个人碳减排量抵扣民生银行贷款利息政策（1000克减排量=2元），即日起至12月31日。
2025-07-09Minsheng Bank Nanchang Branch successfully disbursed 17.77 million yuan in syndicated loan funds for the Jiujiang National Historical and Cultural City Riverside Construction Project. This is the 'first dual' syndicated loan in China linking manufacturing and foreign-invested enterprises to biodiversity protection indicators.民生银行南昌分行成功投放银团贷款资金1777万元，用于九江国家历史文化名城滨江段建设项目。这是全国制造业及外资企业的“双首单”生物多样性保护指标挂钩银团贷款。
2025-07-24Minsheng Bank Nanning Branch successfully issued Guangxi's first aluminum industry carbon footprint-linked loan of 220 million yuan to Baise Guangtou Yinhai Aluminum, applying the 'Aluminum Industry Transition Finance Support Guidance Catalog'.民生银行南宁分行成功向百色广投银海铝业发放广西首笔铝产业碳足迹挂钩贷款，金额2.2亿元，应用了《铝产业转型金融支持指导目录（试行）》。
2025-08-20Minsheng Bank Nanjing Branch launched a green finance product matrix including 'Tou, Rong, Lian, Ying' four series and 'Lv Ying Tong' products.民生银行南京分行推出“投、融、链、营”四大系列及“绿营通”绿色金融产品矩阵。
2025-09-01CMBC's green loan balance reached 326.5 billion yuan, up 9.63% from end-2024; inclusive小微 loan balance 666.7 billion yuan; private banking clients 70,100, with AUM 968 billion yuan; Minsheng Wealth Management product scale 1.14 trillion yuan, up 12.05% from end-2024.民生银行绿色信贷余额3265亿元，较上年末增长9.63%；普惠小微贷款余额6667亿元；私人银行客户数7.01万户，管理资产规模9680亿元；民生理财产品规模1.14万亿元，较上年末增长12.05%。
2025-10-09CMBC showcased its 'Minsheng Fenghe' green comprehensive service system 2.0 at the Beijing Green Development Forum and Green Industry Expo.民生银行在北京绿色发展论坛暨绿色产业博览会上展示了“民生峰和”绿色综合服务体系2.0版。
2025-10-31CMBC disclosed that its green credit balance reached 338.576 billion yuan as of end-Q3 2025, up 13.69% from end-2024.民生银行披露，截至2025年三季度末，绿色信贷余额达3385.76亿元，较上年末增长13.69%。
2026-01-26CMBC Shangrao branch issued 203 million yuan in green loans to a specialized & new 'little giant' company, helping reduce energy consumption by 20% and boost production efficiency by 40%.民生银行上饶分行发放2.03亿元绿色贷款支持专精特新企业，助其能耗降20%、生产效率提升40%。
2026-06-02Invested 110 million yuan (22% of total issuance) as the core investor in the national first 'Belt and Road' blue corporate bond in Ningbo, a 500 million yuan, 3-year bond at 1.79% coupon, proceeds for electric vessel purchase and green loan replacement.作为核心投资机构，在宁波落地全国首单“一带一路”蓝色公司债券，投资1.1亿元（占总发行规模22%），该债券发行规模5亿元、期限3年、票面利率1.79%，募集资金专项用于电动船舶购置及绿色贷款置换。
2026-06-10Successfully landed the fund custody business for 'CITIC-Prudential-Wuxi Metro Line 1 Carbon Neutral Green Asset-backed Special Plan', a 3.574 billion yuan project, the first approved carbon-neutral rail transit quasi-REIT in China.成功落地“中信建投-无锡地铁1号线碳中和绿色资产支持专项计划”资金监管业务，项目发行规模35.74亿元，为全国首单获批的碳中和轨交类REITs。
2026-07-08CMBC Hohhot branch implemented 'carbon assessment + credit' green lending model, granting 10 million yuan comprehensive credit line to an Inner Mongolia aluminum company based on carbon emission evaluation report.民生银行呼和浩特分行落地“碳评估+信贷”绿色授信模式，为内蒙古某铝业公司核定1000万元综合授信额度。
2026-07-16CMBC launched 'Green Factory Financial Services Plan' in Wuxi, Jiangsu, introducing 'Green Tech, Green Intelligence, Green Carbon, Green Partner' product series for green manufacturing transformation.民生银行在江苏无锡发布《绿色工厂金融服务方案》，推出“绿科、绿智、绿碳、绿伴”系列产品服务方案。
Rongsheng Real Estate debt restructuring荣盛地产债务重组
9 · 2024-03-07 → 2025-06-11
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Minsheng Bank as convener manages bondholder meetings and defaults for Rongsheng Real Estate's MTNs.民生银行作为召集人管理荣盛地产中期票据的持有人会议和违约事宜。
2024-03-07Minsheng Bank, as convener, announced a bondholders' meeting for Rongsheng Real Estate's 2020 MTN001 and MTN002 due to interest payment default on March 6, 2024.民生银行作为召集人，因荣盛地产2020年度第一期及第二期中期票据未按期付息，召开持有人会议。
2024-06-27CMBC, as the convener, scheduled a bondholder meeting for July 12, 2024, to discuss resolutions on Rongsheng Real Estate's three medium-term notes (20 Rongsheng MTN001, 002, 003).民生银行作为召集人，定于2024年7月12日召开荣盛房地产发展股份有限公司2020年度三期中期票据的持有人会议。
2024-07-09CMBC, as convener, held the 2024 second bondholder meeting for Rongsheng Development's '20 Rongsheng Real Estate MTN001' and '20 Rongsheng Real Estate MTN002' to discuss conditional and unconditional waiver proposals for covenant breaches.民生银行作为召集人召开荣盛发展“20荣盛地产MTN001”和“20荣盛地产MTN002”2024年第二次持有人会议，审议豁免违反承诺的议案。
2024-07-18The bondholder meeting for Jinke Property Group's '20 Jinke Real Estate MTN002' convened by CMBC failed to take effect due to insufficient voting participation (26.06%).民生银行召集的金科地产“20金科地产MTN002”持有人会议因投票率不足（26.06%）未生效。
2024-12-12Rongsheng Real Estate's 2020 third-phase medium-term note (20荣盛地产MTN003) defaulted on principal and interest; Minsheng Bank as the convener scheduled a bondholder meeting for December 26, 2024.荣盛房地产2020年度第三期中期票据（20荣盛地产MTN003）未能按期兑付本息，构成违约；民生银行作为召集人定于2024年12月26日召开持有人会议。
2025-01-03Minsheng Bank held a bondholder meeting for Rongsheng Real Estate's 2020 third-phase medium-term notes (20 Rongsheng Real Estate MTN003); the resolution on the issuer's commitment not to evade debts was approved.民生银行召开荣盛地产2020年度第三期中期票据持有人会议，关于发行人承诺不逃废债的议案生效。
2025-01-21Minsheng Bank, as lead underwriter, disclosed that Rongsheng Real Estate's 2020 first-phase medium-term notes (20 Rongsheng Real Estate MTN001) defaulted on principal and interest payments totaling over 200 million yuan.民生银行作为主承销商披露，荣盛地产2020年度第一期中期票据未按期足额兑付本息超2亿元，构成违约。
2025-05-28As convener, Minsheng Bank announced the first bondholders' meeting for Rongsheng Development (荣盛发展) '20 Rongsheng Real Estate MTN001/002' on June 4, 2025, to vote on partial bond cancellation as part of debt restructuring.作为召集人，民生银行公告荣盛发展'20荣盛地产MTN001/002'2025年第一次持有人会议将于6月4日召开，审议债券部分注销议案。
2025-06-11Minsheng Bank held a bondholders' meeting for Rongsheng Development's 2020 second tranche medium-term notes (20 Rongsheng Real Estate MTN002), with a proposal to partially cancel the notes receiving 39.82% approval.民生银行召开荣盛发展2020年度第二期中期票据持有人会议，部分注销议案获39.82%表决权同意。
Annual & quarterly financial results年度及季度财务业绩
29 · 2024-03-28 → 2026-08-21
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Disclosure of annual and quarterly earnings, asset quality, and key financial metrics.披露年度和季度盈利、资产质量和关键财务指标。
2024-03-28Minsheng Bank reported 2023 full-year net profit of RMB 35.823 billion, up 1.57% YoY; revenue of RMB 140.817 billion, down 1.16% YoY; NPL ratio 1.48%, down 0.20 pct; proposed dividend of RMB 2.16 per 10 shares.民生银行2023年净利润358.23亿元，同比增长1.57%；营收1408.17亿元，同比下降1.16%；不良贷款率1.48%，下降0.20个百分点；拟10派2.16元。
2024-04-01CMBC released 2023 annual report: revenue 140.817 billion yuan, down 1.16% YoY; net profit 35.823 billion yuan, up 1.57% YoY; assets 7.67 trillion yuan, up 5.78% YoY; NPL ratio 1.48%, down 0.20 pct; green credit balance up 47%.民生银行发布2023年年报：营业收入1408.17亿元，同比下降1.16%；归母净利润358.23亿元，同比增长1.57%；资产总额7.67万亿元，同比增长5.78%；不良贷款率1.48%，下降0.20个百分点；绿色信贷余额增长47%。
2024-04-29CMBC released Q1 2024 results: revenue 34.273 billion yuan, down 6.80% YoY; net profit 13.431 billion yuan, down 5.63% YoY; assets 7.7275 trillion yuan, up 0.68% from end-2023.民生银行发布2024年一季报：营业收入342.73亿元，同比下降6.80%；归母净利润134.31亿元，同比下降5.63%；资产总额7.7275万亿元，较上年末增长0.68%。
2024-05-09CMBC released its Q1 2024 results: NPL ratio fell to 1.44% (down 0.04 ppt QoQ), NPL balance decreased by 123 million yuan to 64.974 billion yuan, and provision coverage ratio was 149.36%.民生银行发布2024年一季报：不良贷款率降至1.44%（环比下降0.04个百分点），不良贷款总额减少1.23亿元至649.74亿元，拨备覆盖率149.36%。
2024-08-29Minsheng Bank reported 2024 H1 results: revenue of CNY 67.127 billion (down 6.17% YoY), net profit attributable to shareholders of CNY 22.474 billion (down 5.48% YoY), and proposed an interim dividend of CNY 1.30 per 10 shares.民生银行发布2024年半年度报告：营业收入671.27亿元（同比下降6.17%），归母净利润224.74亿元（同比下降5.48%），拟每10股派发现金红利1.30元。
2024-09-04Minsheng Bank reports H1 2024 net interest margin (NIM) of 1.38%, with Q2 NIM flat quarter-on-quarter; expects NIM to remain stable for the full year.民生银行报告2024年上半年净息差为1.38%，二季度净息差环比持平；预计全年净息差保持平稳运行。
2024-09-04Minsheng Bank states that its historical non-performing assets have been largely cleared, and the overall scale of non-performing assets continues to decline; expects the downward trend in collection and disposal scale to continue for the full year.民生银行表示历史不良资产基本出清，总体不良资产规模持续下滑，预计全年将延续清收规模同比下降趋势。
2024-09-04Minsheng Bank reports that its corporate real estate NPL ratio rose to 5.29% as of end-June 2024, up 0.37 percentage points from end-2023, due to project risk deterioration and ongoing risk resolution for distressed developers.民生银行报告截至2024年6月末，对公房地产业不良贷款率升至5.29%，较上年末上升0.37个百分点，原因是部分项目风险恶化及持续化解受困房企风险。
2024-10-30Minsheng Bank released Q3 2024 results: Q3 revenue 34.533 billion yuan (-0.67% YoY), net profit 8.012 billion yuan (-18.24% YoY); first three quarters revenue 101.66 billion yuan (-4.37% YoY), net profit 30.486 billion yuan (-9.21% YoY). Net interest margin narrowed by 8bp YoY.民生银行发布2024年三季度业绩：第三季度营收345.33亿元（同比-0.67%），净利润80.12亿元（同比-18.24%）；前三季度营收1016.6亿元（同比-4.37%），净利润304.86亿元（同比-9.21%），净息差同比收窄8BP。
2024-11-20Q3 2024 results: revenue 1016.6 billion yuan (-4.37% YoY), net profit 304.86 billion yuan (-9.21% YoY), NIM 1.40%, NPL ratio 1.48%.2024年三季度业绩：营业收入1016.6亿元（同比-4.37%），归母净利润304.86亿元（同比-9.21%），净息差1.40%，不良贷款率1.48%。
2025-03-28CMBC reported 2024 annual results: revenue 136.29 billion yuan (-3.21% YoY), net profit 32.296 billion yuan (-9.85% YoY), NPL ratio 1.47% (-0.01pp), NIM 1.39% (-7bp). Proposed dividend 0.062 yuan per share.民生银行发布2024年年报：营收1362.9亿元（同比-3.21%），净利润322.96亿元（同比-9.85%），不良率1.47%（-0.01个百分点），净息差1.39%（-7bp），拟每10股派0.62元。
2025-04-01CMBC reported 2024 annual results: revenue of RMB 136.290 billion, down 3.21% YoY; net profit attributable to shareholders of RMB 32.296 billion, down 9.85% YoY; basic EPS of RMB 0.64, down 11.11%.民生银行公布2024年年报：营业收入1362.90亿元，同比下降3.21%；归母净利润322.96亿元，同比下降9.85%；基本每股收益0.64元，同比下降11.11%。
2025-04-01CMBC reported that its net interest margin (NIM) for 2024 was 1.39%, down 7 bps YoY; net interest income was RMB 98.690 billion, down 3.65%.民生银行2024年净息差1.39%，同比下降7个基点；利息净收入986.90亿元，同比下降3.65%。
2025-04-01CMBC reported that at end-2024, its NPL ratio was 1.47%, down 0.01 ppt YoY; total NPLs were RMB 65.610 billion, up RMB 513 million; real estate NPL ratio was 5.01%.民生银行2024年末不良贷款率1.47%，同比下降0.01个百分点；不良贷款总额656.10亿元，同比增加5.13亿元；房地产业不良贷款率5.01%。
2025-04-08CMBC announced that in Q1 2025, operating revenue grew over 7% YoY, with both net interest income and non-interest income achieving positive YoY growth; NIM improved steadily.民生银行公告，2025年一季度营业收入同比增长超过7%，净利息收入与非利息收入均实现同比正增长，净息差稳中改善。
2025-04-29CMBC reported Q1 2025 results: operating revenue of RMB 36.813 billion, up 7.41% YoY; net profit of RMB 12.742 billion, down 5.13% YoY; NIM of 1.41%, up 3 bps YoY.民生银行2025年一季报：营业收入368.13亿元，同比增长7.41%；净利润127.42亿元，同比下降5.13%；净息差1.41%，同比上升3个基点。
2025-04-29CMBC reported that at end-Q1 2025, total NPLs were RMB 66.045 billion, up RMB 435 million from end-2024; NPL ratio was 1.46%.民生银行2025年一季度末不良贷款总额660.45亿元，较上年末增加4.35亿元；不良贷款率1.46%。
2025-05-05Q1 2025 revenue RMB 36.8B, +7.41% YoY; net interest income RMB 24.9B, +2.49% YoY; NIM 1.41%, +2bp QoQ; NPL ratio 1.46%, -1bp vs end-2024.2025年一季度营收368亿元，同比增长7.41%；净利息收入249亿元，同比增长2.49%；净息差1.41%，环比改善2bp；不良贷款率1.46%，较2024年末改善1bp。
2025-08-29Minsheng Bank released 2025 half-year results: revenue 72.384 billion yuan (+7.83% YoY), net profit 21.38 billion yuan (-4.87% YoY), proposed dividend of 1.36 yuan per 10 shares.民生银行发布2025年半年报：营业收入723.84亿元（同比+7.83%），净利润213.8亿元（同比-4.87%），拟每10股派现1.36元。
2025-09-01CMBC released 2025 H1 results: operating revenue 72.384 billion yuan, up 7.83% YoY; net profit attributable to shareholders 21.380 billion yuan, down 4.87% YoY; NIM 1.39%, up 1bp YoY; NPL ratio 1.48%, up 0.01ppt from end-2024; provision coverage 145.06%, up 3.12ppt.民生银行发布2025年上半年业绩：营业收入723.84亿元，同比增长7.83%；归母净利润213.80亿元，同比下降4.87%；净息差1.39%，同比提升1BP；不良贷款率1.48%，较上年末上升0.01个百分点；拨备覆盖率145.06%，较上年末上升3.12个百分点。
2025-10-30CMBC reported Q3 2025 results: Q3 revenue 36.125 billion yuan (+4.61% YoY), net profit 7.162 billion yuan (-10.61% YoY). 9M revenue 108.509 billion yuan (+6.74% YoY), net profit 28.542 billion yuan (-6.38% YoY). NPL ratio 1.48%.民生银行发布2025年三季报：三季度营收361.25亿元（同比+4.61%），净利润71.62亿元（同比-10.61%）；前三季度营收1085.09亿元（同比+6.74%），净利润285.42亿元（同比-6.38%），不良贷款率1.48%。
2025-10-30CMBC reported Q3 2025 results: 9M revenue RMB 108.509 billion (+6.74% YoY), net profit RMB 28.542 billion (-6.38% YoY). NIM improved to 1.47% in Q3.民生银行发布2025年三季报：前三季度营业收入1085.09亿元（同比+6.74%），净利润285.42亿元（同比-6.38%），三季度净息差提升至1.47%。
2026-03-30CMBC released its 2025 annual report: operating revenue of 142.865 billion yuan, up 4.82% YoY; net profit attributable to shareholders of 30.563 billion yuan, down 5.37% YoY; NIM at 1.40%, up 1bp; NPL ratio at 1.49%, up 0.02pp; proposed a full-year cash dividend of 1.89 yuan per 10 shares.民生银行发布2025年年报：营业收入1428.65亿元，同比增长4.82%；归母净利润305.63亿元，同比下降5.37%；净息差1.40%，同比提升1BP；不良贷款率1.49%，上升0.02个百分点；拟全年每10股派发现金股利1.89元。
2026-03-30Released 2025 annual report: revenue 142.865 billion yuan, +4.82% YoY; net profit 30.563 billion yuan, -5.37% YoY; NIM 1.40%, +1bp; proposed cash dividend of 0.53 yuan per 10 shares, total 8.274 billion yuan, payout ratio 30.14%.发布2025年年报：营收1428.65亿元，同比增长4.82%；净利润305.63亿元，同比下降5.37%；净息差1.40%，提升1BP；拟每10股派现0.53元，分红总额82.74亿元，分红比例30.14%。
2026-03-302025 annual report shows NPL ratio 1.49%, +0.02pp; NPL balance 66.154 billion yuan; credit impairment losses 53.95 billion yuan, +18.64% YoY; provision coverage ratio 142.04%, +0.10pp.2025年年报显示不良贷款率1.49%，上升0.02个百分点；不良贷款余额661.54亿元；信用减值损失539.50亿元，同比增长18.64%；拨备覆盖率142.04%，上升0.10个百分点。
2026-03-302025 annual report: personal loan NPL ratio rose to 1.92% (NPL balance ~32.2 billion yuan); credit card NPL ratio climbed to 3.87% (NPL balance >16.7 billion yuan).2025年年报：个人贷款不良率升至1.92%（不良余额约322亿元）；信用卡不良率升至3.87%（不良余额超167亿元）。
2026-04-292026 Q1 results: revenue 37.822 billion yuan, +2.74% YoY; net profit 11.514 billion yuan, -9.64% YoY; NIM improved 2bp YoY; NPL ratio 1.46%, -0.03pp from end-2025.2026年一季报：营收378.22亿元，同比增长2.74%；净利润115.14亿元，同比下降9.64%；净息差同比提升2BP；不良贷款率1.46%，较上年末下降0.03个百分点。
2026-08-18CMBC board meeting scheduled for Aug 28 to approve interim results and consider interim dividend.民生银行董事会会议定于8月28日审议中期业绩及中期股息建议。
2026-08-21CMBC will hold 2026 interim results briefing on Aug 31, 16:00-17:00.民生银行将于8月31日16:00-17:00召开2026年半年度业绩说明会。
Auditor appointment & changes审计师任命与变更
2 · 2024-03-28 → 2024-08-29
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Proposal, renewal, and dismissal of external auditors.外部审计师的提议、续聘和解聘。
2024-03-28Minsheng Bank proposed to renew appointment of PricewaterhouseCoopers Zhong Tian LLP and PricewaterhouseCoopers as its 2024 auditors.民生银行拟续聘普华永道中天和罗兵咸永道为2024年度审计机构。
2024-08-29Minsheng Bank announced the proposed dismissal of PricewaterhouseCoopers Zhong Tian LLP and PricewaterhouseCoopers (PwC) as its 2024 annual audit firm, effective after the 2024 interim financial report review.民生银行公告拟解聘普华永道中天会计师事务所和罗兵咸永道会计师事务所作为其2024年度审计会计师事务所，服务至2024年中期财务报告审阅结束。
Oceanwide (Fanhai) group litigation泛海集团诉讼
16 · 2024-04-09 → 2026-05-27
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Multiple lawsuits and enforcement actions against Oceanwide entities and Lu Zhiqiang for loan defaults.针对泛海系实体及卢志强的多起贷款违约诉讼和强制执行。
2024-04-09CMBC Beijing branch filed a lawsuit against Wuhan Center Company, Wuhan Central Company, Oceanwide Holdings, and Lu Zhiqiang for loan defaults, seeking repayment of principal 3.972 billion yuan and 3.046 billion yuan plus interest and penalties.民生银行北京分行对武汉中心公司、武汉中央公司、泛海控股及卢志强提起诉讼，要求偿还本金39.72亿元和30.46亿元及利息罚息。
2024-05-10CMBC Beijing Branch filed a lawsuit against the Oceanwide Group and related entities for failing to repay loans, seeking principal of 42.66 billion yuan from Oceanwide Group and 1.2 billion yuan from Oceanwide Holdings, plus interest and penalties.民生银行北京分行对泛海集团及其关联方提起诉讼，要求泛海集团偿还本金42.66亿元、泛海控股偿还本金12亿元及相应利息罚息。
2024-06-03CMBC's board evaluation rated Lu Zhiqiang (controlling shareholder of Oceanwide) as 'basically competent'; CMBC has sued Oceanwide entities and Lu Zhiqiang for loan disputes involving over 10 billion yuan.民生银行董事会对卢志强（泛海控股股东）的履职评价为“基本称职”；民生银行已就涉及超百亿元的借款合同纠纷对泛海系公司及卢志强提起诉讼。
2024-09-03Minsheng Bank wins final appeal in a financial loan contract dispute against Wuhan Central Company, Oceanwide Holdings, and Lu Zhiqiang, with the Beijing High People's Court upholding the original judgment.民生银行在与武汉中央公司、泛海控股及卢志强的金融借款合同纠纷中赢得终审上诉，北京市高级人民法院维持原判。
2024-09-18Beijing Financial Court orders Oceanwide Holdings to repay Minsheng Bank a loan principal of RMB 300 million plus interest and penalties, supporting Minsheng Bank's claim for priority compensation on pledged assets.北京金融法院判决泛海控股偿还民生银行借款本金3亿元及相应利息、罚息，支持民生银行对质押物优先受偿的诉求。
2024-09-23Minsheng Bank Beijing Branch applies for enforcement of a court judgment requiring Wuhan Central Business District Co. to repay a loan principal of RMB 3.046 billion plus interest and penalties; Beijing Financial Court accepts the case.民生银行北京分行申请强制执行法院判决，要求武汉中央商务区股份有限公司偿还贷款本金30.46亿元及相应利息、罚息；北京金融法院已受理。
2024-11-28Beijing Higher People's Court rejected Fanhai Holdings' appeal in a 300 million yuan financial loan dispute, upholding the original judgment in favor of Minsheng Bank Beijing branch.北京市高级人民法院驳回泛海控股上诉，维持原判，民生银行北京分行在3亿元金融借款合同纠纷中胜诉。
2024-12-02Minsheng Bank won the second-instance lawsuit against the Fanhai Group (泛海系) regarding debt disputes; the court upheld the original judgment.民生银行在与泛海系的债务纠纷二审中胜诉，法院维持原判。
2025-01-07Minsheng Bank Beijing Branch sued Oceanwide Holdings subsidiaries and Lu Zhiqiang over a 3.046 billion yuan loan dispute; the court ordered repayment of principal plus interest and penalties.民生银行北京分行就30.46亿元贷款纠纷起诉泛海控股子公司及卢志强，法院判决偿还本金及利息罚息。
2025-04-01CMBC disclosed that at end-2024, loans to the 'Fanhai Group' (泛海系) stood at RMB 18.484 billion; CMBC has won lawsuits against Fanhai entities in 5 cases, with 2 other cases also won at first instance.民生银行披露，2024年末泛海系贷款余额184.84亿元；针对泛海系的多起诉讼已取得胜诉裁判文书。
2025-05-13Minsheng Bank Beijing branch obtained court enforcement order against Oceanwide Holdings (泛海控股) for RMB 300M unpaid principal plus interest/penalties on a RMB 1.78B financing, with collateral of 40% equity in a real estate company and guarantees from related parties.民生银行北京分行就泛海控股17.8亿元融资中未偿还本金3亿元及利息罚息申请强制执行，法院已立案。
2025-06-10Minsheng Bank Beijing Branch sued Oceanwide Holdings and its subsidiaries for a financial loan contract dispute, demanding repayment of RMB 860 million in principal plus interest and penalties.民生银行北京分行因金融借款合同纠纷起诉泛海控股及其子公司，要求偿还贷款本金8.6亿元及相应利息、罚息。
2025-06-18Oceanwide Holdings disclosed a new lawsuit from Minsheng Bank over a RMB 2.7 billion financing, with an outstanding principal of RMB 2.4 billion, filed at Beijing Financial Court.泛海控股披露民生银行就27亿元融资提起诉讼，涉及未偿还本金24亿元，已由北京金融法院受理。
2025-08-01China Minsheng Bank sued Oceanwide Holdings for overdue principal of 860 million yuan on a 1.16 billion yuan financing; Beijing Financial Court issued a judgment on July 31.民生银行就一笔11.6亿元融资的逾期本金8.6亿元起诉泛海控股；北京金融法院于7月31日作出判决。
2025-09-01Oceanwide Holdings was ordered by Beijing Financial Court to repay CMBC a loan principal of 1.48 billion yuan plus interest, penalty interest and compound interest totaling 490,688,666.51 yuan as of August 9, 2023.泛海控股被北京金融法院判决偿还民生银行借款本金14.8亿元及截至2023年8月9日的利息、罚息、复利合计490,688,666.51元。
2026-05-27CMBC filed a lawsuit against Oceanwide Holdings and related parties for default on a RMB 2.4 billion loan (part of a RMB 2.7 billion facility), with the Beijing Financial Court accepting the case.民生银行就泛海控股及相关方未偿还24亿元贷款本金（27亿元融资的一部分）向北京金融法院提起诉讼。
Awards & Recognitions奖项与认可
10 · 2024-04-22 → 2025-12-31
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Receiving awards and certifications for risk management, green finance, poverty reduction, digital finance, and brand recognition.在风险管理、绿色金融、扶贫、数字金融和品牌认可方面获得奖项和认证。
2024-04-22Dongfang Jincheng International Credit Rating assigned CMBC a long-term issuer credit rating of 'AAA' with a stable outlook for 2023.东方金诚给予民生银行2023年主体信用评级为AAA，评级展望稳定。
2024-06-25CMBC won the 'Best Comprehensive Risk Technology Implementation Award' from The Asian Banker for its digital risk management projects in credit, market, and model risk.民生银行荣获《亚洲银行家》“中国最佳全面风险技术实施奖”，表彰其在信用风险、市场风险、模型风险等方面的数字化风控项目。
2024-09-20Minsheng Bank is listed on the 2024 Ecological Brand Certification list at the Ecological Brand Conference.民生银行上榜2024年生态品牌认证榜单。
2024-10-31Minsheng Bank's 'ME Innovation Public Welfare Grant Program' was awarded the 'Fifth Global Best Poverty Reduction Case' at the 2024 Global Poverty Reduction and Development High-Level Forum, co-organized by the World Bank, UN FAO, and other international bodies.民生银行“ME公益创新资助计划”在2024全球减贫与发展高层论坛上获评“第五届全球最佳减贫案例”，该评选由世界银行、联合国粮农组织等共同组织。
2024-11-14Chongqing Jin Kai sub-branch awarded 'Green Sub-branch' title by Chongqing Financial Regulatory Bureau for green finance initiatives.重庆金开支行获评重庆市“绿色支行”称号，聚焦绿色低碳领域提供绿色信贷等产品。
2025-02-28CMBC Baoji branch was rated 'Advanced Unit for Payment and Settlement Work' by the Baoji PBoC branch for 2024.民生银行宝鸡分行被人民银行宝鸡市分行评为2024年度“支付结算工作先进单位”。
2025-07-02Minsheng Bank's 'Yi Chuang E Dai' product won the '2025 Digital Inclusive Finance Innovation Achievement' award at the 7th Digital Inclusive Finance Conference; the product has served over 3,000 specialized and new enterprises, providing nearly 15 billion yuan in credit support.民生银行“易创E贷”产品在第七届数字普惠金融大会上荣获“2025年度数字普惠金融创新成果”奖项；该产品已服务超过3000家专精特新企业，累计提供近150亿元授信支持。
2025-08-18Minsheng Bank received a 'Good' rating in the 2024 regulatory assessment of financial institutions serving rural revitalization by the PBOC and NFRA.民生银行在2024年度金融机构服务乡村振兴监管考核评估中获评“良好档”。
2025-10-31CMBC won the '2025 Ecological Brand Certification' for the third consecutive year, recognized for its 'Finance + Ecosystem' model and 'Minsheng E Chain' supply chain finance.民生银行连续三年荣获“2025年度生态品牌认证”，因其“金融+生态”模式及“民生E链”供应链金融服务。
2025-12-31CMBC was awarded 'People's Ingenuity Brand' by People's Daily at the 2025 People's Finance Forum, recognizing its innovation, stable operations, and social responsibility.民生银行在人民网'2025人民财经论坛'获评'人民匠心品牌'称号，表彰其创新、稳健经营与社会责任。
Strategic Partnerships & MOUs战略合作与备忘录
14 · 2024-04-26 → 2026-07-22
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Signing cooperation agreements and launching joint initiatives with various organizations, including government bodies, universities, and other companies.与各类组织（包括政府机构、大学和其他公司）签署合作协议并启动联合项目。
2024-04-26CMBC Nanning branch launched a full-chain financial service plan for Guangxi's forestry industry and signed strategic cooperation agreements with district-level state-owned forest farms.民生银行南宁分行发布广西林业全产业链金融服务方案，并与区属国有林场签署战略合作协议。
2024-05-10CMBC and GAC Aion held a 'New Energy Vehicle Supply Chain Customer Conference', offering tailored financial services to 56 suppliers.民生银行携手广汽埃安举办新能源汽车以链为基客商大会，为56家供应商提供专属金融服务方案。
2024-07-11CMBC Vice President Li Bin visited the Shanghai Gold Exchange to discuss deepening cooperation and exploring new opportunities in the gold market.民生银行副行长李彬到访上海黄金交易所，探讨深化合作和黄金市场新机遇。
2024-10-22Minsheng Bank set up a booth at the 45th SIBOS annual conference in Beijing, showcasing its digital and intelligent cross-border financial products; Chairman Gao Yingxin and Vice President Shi Jie attended the unveiling ceremony with SWIFT China President Yang Wen.民生银行在第45届SIBOS年会（北京）设立展台，展示数智化跨境金融产品；董事长高迎欣、副行长石杰与SWIFT中国区总裁杨文共同出席揭幕仪式。
2024-10-22Minsheng Bank President Wang Xiaoyong stated at the 'Minsheng Night' event that the bank has provided cross-border financial services to 40,000 enterprises and international credit support of nearly 40 billion USD to projects in 65 countries.民生银行行长王晓永在“民生之夜”活动上表示，该行已累计为4万家企业提供跨境金融服务，为65个国家项目提供近400亿美元国际信贷支持。
2025-03-15CMBC Nanjing branch facilitated the cross-border M&A of Jetron by M&A Tech (semiconductor clean equipment firm), the first STAR Market cross-border acquisition in Hong Kong.民生银行南京分行助力美埃科技跨境并购捷芯隆，为科创板首单港股跨境并购项目。
2025-03-24CMBC Shantou branch, together with Minsheng International and Shantou Federation of Industry and Commerce, held a cross-border capital market exchange conference for Chaoshan enterprises.民生银行汕头分行联合民银国际、汕头市工商联举办潮商出海资本市场交流会。
2025-05-14Beijing branch released 'Minsheng Bank Beijing-Tianjin-Hebei New Energy Vehicle Industry Chain Service Plan', focusing on 'six chains and five clusters', launching 'Minsheng E-Chain' supply chain finance digital product system.民生银行北京分行发布《京津冀新能源汽车产业链服务方案》，聚焦'六链五群'，打造'民生E链'供应链金融数字化产品体系。
2025-06-27Minsheng Bank Beijing Branch released its 'Minsheng Bank Beijing-Tianjin-Hebei New Energy Vehicle Industry Chain Service Plan' at an industry matchmaking conference.民生银行北京分行在产业对接会上发布《民生银行京津冀新能源汽车产业链服务方案》。
2025-10-31CMBC and CSI Index jointly launched the 'CSI-CMBC ESG Sci-Tech Innovation Bond Index' at a sci-tech bond exchange meeting in Beijing.民生银行与中证指数公司在京联合发布“中证-民生银行ESG科技创新债券指数”。
2025-12-16CMBC Xi'an branch signed a school-enterprise cooperation agreement and unveiled a talent training base with Xizang Minzu University.民生银行西安分行与西藏民族大学签署校企合作协议并揭牌人才协同培养基地。
2025-12-16CMBC Xi'an Keji 6th Road sub-branch held a new materials industry matchmaking conference with 15 sci-tech enterprises and capital representatives.民生银行西安科技六路支行举办新材料行业精准对接会，邀约15家科创企业及产业资本代表。
2026-07-22CMBC released 'Service Plan for High-Quality Development of Automobile Industry' at 2026 China Auto Forum, proposing 'Sea, Chain, Intelligence' full-cycle financial services for auto industry.民生银行在2026中国汽车论坛发布《助力汽车工业高质量发展服务方案》，提出“海、链、智”全周期产业金融服务战略。
2026-07-22CMBC Chongqing branch connected with government 'Yucaitong' digital platform to streamline market procurement trade settlement, offering fee-free inbound remittances for small merchants.民生银行重庆分行与政府“渝采通”平台直连，优化市场采购贸易结算流程，汇入汇款免收手续费。
Wealth management & private banking财富管理与私人银行
5 · 2024-04-29 → 2026-06-01
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Launch of pension services, private banking centers, and wealth management products.推出养老金融服务、私人银行中心和财富管理产品。
2024-04-29CMBC launched the 'Minsheng Yuexiang' brand pension financial service system, introducing nine major measures for elderly financial services.民生银行推出“民生悦享”养老金融服务体系，启动养老金融综合服务九大举措。
2024-06-18CMBC held the 'Love Minsheng, Wise Pension' enterprise annuity promotion day in Guiyang, releasing the 2024 'Wise Pension' comprehensive pension service plan.民生银行在贵阳举办“爱民生 慧养老”企业年金宣传日活动，发布2024年“慧养老”养老金综合服务方案。
2024-11-15Launched 'Xiao i+' asset custody service system at the 2024 Financial Cooperation and Development Seminar in Quanzhou.在泉州2024金融合作与发展研讨会上正式发布“小i+”资产托管服务体系。
2026-03-11China Credit Trust (中诚信托) and CMBC jointly established a family trust in Ningbo, using a family charter and family committee as the governance mechanism, creating a new paradigm for high-net-worth entrepreneur family wealth and spirit succession.中诚信托与民生银行合作在宁波设立以家族宪章和家族委员会为治理机制的家族信托，创新了高净值企业家家族财富与精神传承的新范式。
2026-06-01Launched 'Custody Letter Confirmation Online' (托管函证通), enabling full-process online custody letter confirmation, reducing processing time by 90% to 1 working day; over 50% of custody letters processed via this channel by Q1 2026.推出“托管函证通”，实现托管账务函证全流程线上直通办理，办理时长压缩90%至1个工作日；截至2026年一季度，通过该渠道办理的托管账务函证占比超过50%。
Deposit & savings product adjustments存款及储蓄产品调整
6 · 2024-05-07 → 2024-10-21
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Suspension, termination, and rate adjustments for various deposit products to manage costs.为管理成本而暂停、终止和调整各类存款产品利率。
2024-05-07CMBC suspended the sale of large-denomination certificates of deposit (CDs) with maturities of six months or longer nationwide, retaining only 1-month and 3-month products at 1.7%.民生银行在全国范围内停售半年期及以上大额存单产品，仅保留1个月和3个月期限产品，利率均为1.7%。
2024-05-14CMBC announced it will stop the 'Qian Sheng Qian B' and 'Qian Sheng Qian C' deposit products effective May 20, 2024.民生银行宣布自2024年5月20日起停止钱生钱B、钱生钱C产品服务。
2024-05-23CMBC adjusted interest rates on corporate negotiated deposits and 'Liudongli' products, and stopped auto-renewal for smart call deposits, effective May 30.民生银行自5月30日起调整人民币单位协定存款和流动利产品利率，并停止智能通知存款自动续存。
2024-06-05CMBC announced it will stop the automatic purchase service of '随心存' (SuiXinCun) and automatic renewal of '利多多' (LiDuoDuo) from June 13, 2024, effectively phasing out these high-yield deposit products to reduce funding costs.民生银行公告，自2024年6月13日起停止“随心存”自动购买服务和“利多多”到期自动续存服务，实质上下架这些高息存款产品以降低负债成本。
2024-07-29CMBC adjusted RMB deposit interest rates effective July 29, 2024, joining other national joint-stock banks in the first round of deposit rate cuts this year.民生银行自2024年7月29日起调整人民币存款利率，成为本轮存款利率下调的全国股份制银行之一。
2024-10-21Minsheng Bank adjusted RMB deposit benchmark interest rates effective October 21, 2024: demand deposit rate cut to 0.1%, 3-month to 0.85%, 6-month to 1.1%, 1-year to 1.3%, 3-year to 1.50%, 5-year to 1.55%.民生银行自2024年10月21日起调整人民币存款挂牌利率：活期下调至0.1%，三个月期0.85%，半年期1.1%，一年期1.3%，三年期1.50%，五年期1.55%。
Credit card business developments信用卡业务发展
9 · 2024-05-18 → 2025-12-03
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System upgrades, new co-branded cards, NPL transfers, and risk management in the credit card segment.信用卡板块的系统升级、新联名卡、不良资产转让和风险管理。
2024-05-18CMBC successfully launched its new credit card core system, transitioning to a distributed architecture supporting 100,000 transactions per second and billions of daily transactions.民生银行信用卡新核心系统成功上线，实现向分布式架构转型，可支持每秒10万笔交易和每日数十亿笔交易。
2024-07-02CMBC registered two new software copyrights: 'Online Group Buying System V1.0' and 'Credit Card Product Display System V1.0'.民生银行新注册2项软件著作权：《线上拼团系统V1.0》和《信用卡产品展示系统V1.0》。
2024-09-04Minsheng Bank's credit card business will pilot an installment payment function on WeChat, aiming to drive transaction and loan scale recovery in H2 2024.民生银行信用卡业务将在微信上线分期支付功能并开始试运行，旨在推动2024年下半年交易和贷款规模止跌回升。
2025-03-03CMBC launched a bulk transfer of credit card non-performing assets totaling over 6 billion yuan, involving over 85,000 borrowers.民生银行启动超60亿元信用卡不良债权批量转让，涉及债务人超8.5万户。
2025-05-21Credit card complaints reached 140,000 in 2024, 68.44% of total; closed three credit card sub-centers; NPL ratio on credit card loans 3.28%, +0.3pp YoY; transferred 5 tranches of non-performing credit card assets (total outstanding principal & interest RMB 638M) via Yindeng (银登) platform in May.2024年信用卡投诉14万笔占68.44%，连续关停三家信用卡分中心；信用卡不良率3.28%同比升0.3个百分点；5月通过银登网转让5期信用卡不良贷款，未偿本息合计6.38亿元。
2025-09-05CMBC registered a new software copyright for 'China Minsheng Bank Credit Card Center Distributed Message Compensation System V1.0'.民生银行新注册《中国民生银行信用卡中心分布式消息补偿系统V1.0》软件著作权。
2025-09-10CMBC registered 3 new software copyrights: 'China Minsheng Bank Credit Card Center Foreign Card Group Transaction Authorization System V1.0', 'China Minsheng Bank Credit Card Center Authorization In-Bank Application System V1.0', and 'China Minsheng Bank Credit Card Center Value-Added Service Business Merchant Management System V1.0'. Year-to-date new software copyrights reached 21, up 75% YoY.民生银行新注册3个软件著作权，包括《中国民生银行信用卡中心外卡组交易授权系统V1.0》、《中国民生银行信用卡中心授权行内应用系统V1.0》、《中国民生银行信用卡中心增值服务业务商户管理系统V1.0》。今年以来新注册软件著作权21个，较去年同期增加75%。
2025-11-11CMBC's credit card center announced the transfer of its 6th batch of personal non-performing loan (credit card overdraft) asset package in 2025 via the Banking Credit Asset Registration and Transfer Center, with total principal and interest of RMB 5.142 billion (principal ~RMB 2.447 billion, interest/fees ~RMB 2.695 billion), involving 147,779 borrowers.民生银行信用卡中心公告拟通过银登中心转让2025年第6期个人不良贷款（信用卡透支）资产包，本息合计51.42亿元（本金约24.47亿元，利息及费用约26.95亿元），涉及14.78万户借款人。
2025-12-03CMBC credit card center transferred a batch of non-performing loans exceeding 5 billion yuan, part of a year-end NPL disposal wave.民生银行信用卡中心转让一笔超50亿元的不良贷款，为年末不良资产处置浪潮的一部分。
Dividend & shareholder return actions分红及股东回报行动
12 · 2024-05-31 → 2026-06-25
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Declaration and distribution of interim, final, and preference share dividends.中期、末期及优先股股息的宣派和分配。
2024-05-31CMBC announced plans to implement an interim dividend for the first half of 2024, with a payout ratio not exceeding 30% of net profit attributable to ordinary shareholders.民生银行拟实施2024年度中期分红派息，现金股息总额占当期归母净利润比例不高于30%。
2024-05-31CMBC board approved the 2024 interim profit distribution arrangement, planning to pay an interim dividend based on H1 2024 results.民生银行董事会审议通过2024年度中期利润分配相关安排议案。
2024-07-03CMBC announced the 2023 annual dividend plan: RMB 0.216 per share (tax included), totaling approximately RMB 9.457 billion, with record date July 11 and ex-dividend date July 12, 2024.民生银行公布2023年度分红方案：每股派发现金红利0.216元（含税），合计约94.57亿元，股权登记日7月11日，除息日7月12日。
2024-09-04Minsheng Bank announces interim dividend plan: RMB 1.30 per 10 shares (pre-tax), totaling approximately RMB 5.692 billion, representing about 29.90% of net profit attributable to ordinary shareholders in H1 2024.民生银行宣布中期分红方案：每10股派发现金股利人民币1.30元（含税），总额约56.92亿元，约占2024年上半年归属于普通股股东净利润的29.90%。
2024-09-27Minsheng Bank announces distribution of cash dividends for domestic preference shares (Minsheng You 1) at a rate of 4.38% per share, totaling RMB 876 million (tax included), with payment date on October 18, 2024.民生银行公告境内优先股（民生优1）股息派发方案，每股派发现金股息人民币4.38元（含税），合计8.76亿元，股息发放日为2024年10月18日。
2024-10-21Minsheng Bank decided not to exercise the redemption right on its 20 billion yuan domestic preferred shares 'Minsheng You 1' issued in 2019; the new dividend rate for the second adjustment period is 3.17% (base rate 1.79% + fixed premium 1.38%), effective from October 18, 2024.民生银行不行使2019年非公开发行的200亿元境内优先股“民生优1”赎回权，第二个股息率调整期票面股息率为3.17%（基准利率1.79%+固定溢价1.38%），自2024年10月18日起生效。
2024-11-04Announced 2024 interim A-share dividend: 0.13 yuan per share (tax incl.), total payout ~5.69 billion yuan, record date Nov 12, ex-date Nov 13.公布2024年半年度A股权益分派：每股派发现金红利0.13元（含税），共计派发约56.9亿元，股权登记日11月12日。
2025-04-01CMBC announced a plan to improve valuation: maintain stable dividend policy, and the board has approved the 2025 interim profit distribution authorization.民生银行宣布估值提升计划：保持分红政策稳定，董事会已审议通过2025年度中期利润分配授权议案。
2025-07-04Minsheng Bank announced the 2024 annual equity distribution plan: a cash dividend of 0.062 yuan per share (tax included), totaling approximately 2.715 billion yuan; the record date is July 11, 2025, and the ex-dividend date is July 14, 2025.民生银行公布2024年年度权益分派方案：每股派发现金红利0.062元（含税），共计约27.15亿元；股权登记日为2025年7月11日，除权（息）日为2025年7月14日。
2025-09-09CMBC announced 2025 H1 A-share cash dividend plan: 0.136 yuan per share (tax included), total dividend approximately 5.954 billion yuan, with payment date September 16, 2025.民生银行发布2025年半年度A股权益分派实施公告：每股派发现金红利0.136元（含税），共计派发现金红利约59.54亿元，现金红利发放日为2025年9月16日。
2026-05-27CMBC announced a final dividend of RMB 0.53 per 10 shares for the year ended Dec 31, 2025, payable on August 10, 2026.民生银行宣布派发截至2025年12月31日止年度的末期股息每10股0.53元，于2026年8月10日派发。
2026-06-25Announced 2025 A-share final cash dividend: 0.053 yuan per share (tax included), totaling approximately 232 million yuan; full-year dividend 0.189 yuan per share, totaling 827 million yuan. Record date July 1, ex-dividend date July 2, 2026.公告2025年度A股权益分派：每股派发现金红利0.053元（含税），共计派现约2.32亿元；全年每股派现0.189元，总额约8.27亿元。股权登记日7月1日，除权除息日7月2日。
Village bank acquisitions & restructuring村镇银行收购与重组
19 · 2024-06-14 → 2026-07-31
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Acquisition of Minsheng Village Banks and conversion into sub-branches across multiple provinces.收购多地民生村镇银行并改制为支行。
2024-06-14CMBC received NFRA approval to acquire Meihekou Minsheng Village Bank, take over other shareholders' shares, and establish Meihekou Sub-branch.民生银行获国家金融监督管理总局批复，同意收购梅河口民生村镇银行，受让其他股东股份，并设立梅河口支行。
2025-12-26CMBC's board approved the absorption and merger of Minsheng Village Banks (28 entities, total assets 42.01 billion yuan), pending regulatory approval.民生银行董事会通过吸收合并民生村镇银行（28家，总资产420.1亿元）的决议，尚待监管批准。
2026-01-09CMBC received regulatory approval to acquire full ownership of Linzhi Minsheng Village Bank (95% stake) and convert it into a secondary branch; bank to be dissolved.民生银行获批受让宁晋民生村镇银行股份至持股95%，并收购林芝民生村镇银行后设立林芝二级分行，该村镇银行依法解散。
2026-01-09CMBC paid 2 million yuan and 1.2 million yuan to acquire 2.8345% and 1.7007% stakes in Linzhi Minsheng Village Bank from Giant Investment and Nanfang Hope respectively.民生银行分别以200万元和120万元受让巨人投资和南方希望持有的林芝民生村镇银行股份。
2026-04-09Received regulatory approval to acquire Ningjin Minsheng Village Bank and establish Minsheng Bank Ningjin Sub-branch, taking over assets, liabilities, business and staff.获批收购宁晋民生村镇银行并设立民生银行宁晋支行，承接其资产、负债、业务和员工。
2026-04-15Received regulatory approval to acquire Tongnan Minsheng Village Bank and establish three sub-branches (Chongqing Tongnan, Liangfengya, Baizhi), taking over assets, liabilities, business and staff.获批收购潼南民生村镇银行并设立重庆潼南、凉风垭、柏梓三家支行，承接其资产、负债、业务和员工。
2026-04-15Received regulatory approval to acquire Zhejiang Tiantai Minsheng Village Bank and establish three sub-branches (Taizhou Tiantai, Tantou, Baihe), taking over assets, liabilities, business and staff.获批收购浙江天台民生村镇银行并设立台州天台、坦头、白鹤三家支行，承接其资产、负债、业务和员工。
2026-04-22Received regulatory approval to acquire Tengchong Minsheng Village Bank and establish Minsheng Bank Tengchong Sub-branch, taking over all assets, liabilities, rights and obligations.获批收购腾冲民生村镇银行并设立民生银行腾冲支行，承接其全部资产负债、权利义务。
2026-05-08CMBC received regulatory approval to acquire 10% (15 million shares) of Shanghai Songjiang Minsheng Village Bank from JianTe Life for RMB 45.45 million, increasing its stake to 45%.民生银行获监管批复，以4545万元受让健特生命持有的上海松江民生村镇银行10%股份（1500万股），持股比例将提高至45%。
2026-06-10Approved by the financial regulator to acquire Qijiang Minsheng Village Bank and establish 5 sub-branches (Chongqing Qijiang, Wansheng, Dongxi, Qiaohe, Jiulong), taking over its assets, liabilities, business, and employees.获金融监管总局巴南监管分局批复，同意收购綦江民生村镇银行并设立重庆綦江、万盛、东溪、桥河、九龙5家支行，承接其资产、负债、业务和员工。
2026-06-30Approved by the financial regulator to acquire Anxi Minsheng Village Bank and establish 3 sub-branches (Quanzhou Anxi Fengcheng, Longqiao Small & Micro, Hutou Small & Micro), taking over its assets, liabilities, business, and employees.获泉州金融监管分局批复，同意收购安溪民生村镇银行并设立泉州安溪凤城支行、龙桥小微支行、湖头小微支行，承接其资产、负债、业务和员工。
2026-07-08Yunnan regulator approved CMBC's acquisition of Jinghong Minsheng Village Bank and establishment of Xishuangbanna branch, taking over all assets, liabilities, rights and obligations.云南监管局批复同意民生银行收购景洪民生村镇银行并设立西双版纳分行，承接其全部资产负债及权利义务。
2026-07-13Sichuan regulator approved CMBC's acquisition of Ziyang Minsheng Village Bank and establishment of Ziyang branch plus six sub-branches, taking over assets, liabilities, business and staff.四川监管局批复同意民生银行收购资阳民生村镇银行并设立资阳分行及六家支行，承接其资产负债、业务和员工。
2026-07-14Fujian regulator approved dissolution of Anxi Minsheng Village Bank, with all assets, liabilities, business, outlets, staff and rights/obligations assumed by CMBC.福建监管局批复同意解散安溪民生村镇银行，全部资产负债、业务、网点、员工及权利义务由民生银行承继。
2026-07-15Yunnan regulator approved dissolution of Jinghong Minsheng Village Bank, with all business, property, debts and rights/obligations assumed by CMBC.云南监管局批复同意解散景洪民生村镇银行，全部业务、财产、债权债务及权利义务由民生银行承接。
2026-07-15Chongqing regulator approved dissolution of Qijiang Minsheng Village Bank, with all assets, liabilities, business, staff and rights/obligations assumed by CMBC.重庆监管局批复同意解散綦江民生村镇银行，全部资产负债、业务、员工及权利义务由民生银行承继。
2026-07-28Sichuan regulator approved dissolution of Ziyang Minsheng Village Bank, with assets, liabilities, business and staff assumed by CMBC.四川监管局批复同意解散资阳民生村镇银行，其资产负债、业务和员工由民生银行承接。
2026-07-28Xiamen regulator approved CMBC's acquisition of Xiamen Xiang'an Minsheng Village Bank and establishment of Xiamen Xindian sub-branch and Xiamen Fengxiang micro sub-branch.厦门监管局批复同意民生银行收购厦门翔安民生村镇银行并设立厦门新店支行和厦门凤翔小微支行。
2026-07-31Hebei regulator approved dissolution of Ningjin Minsheng Village Bank due to acquisition by CMBC, with all assets, liabilities, business, staff and rights/obligations assumed by CMBC.河北监管局批复同意宁晋民生村镇银行因被民生银行收购而解散，全部资产负债、业务、员工及权利义务由民生银行承继。
Fund distribution & fee adjustments基金代销及费率调整
13 · 2024-06-26 → 2026-08-17
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Changes to fund product risk ratings, distribution partnerships, and subscription fee discounts.基金产品风险评级、代销合作及申购费折扣的变更。
2024-06-26CMBC announced it will adjust the risk rating of its agency-sold public fund 'Fullgoal Innovation Enterprise Flexible Allocation Mixed Securities Investment Fund (LOF) A' to 'High Risk' from June 28, 2024.民生银行公告，自2024年6月28日起调整代销公募基金产品“富国创新企业灵活配置混合型证券投资基金（LOF）A”的风险评级为“高风险”。
2024-06-27CMBC announced it will reduce the discount on subscription fee rates for some agency-sold fund products from 10% to 50% from July 1 to December 31, 2024, and cancel discounts for certain index funds.民生银行公告，2024年7月1日至12月31日，部分代销基金产品申购费率由1折优惠调整为5折优惠，并取消部分指数产品折扣。
2024-07-02CMBC announced a 90% discount on subscription/regular investment fees for certain securities investment funds from July 1 to December 31, 2024.民生银行宣布2024年7月1日至12月31日对部分证券投资基金定投费率实行1折优惠。
2024-09-20Minsheng Bank offers a 50% discount on front-end subscription fees for certain securities investment funds through its counter, online banking, and mobile banking channels.民生银行对部分证券投资基金通过柜台、网上银行、手机银行渠道申购的前端申购费率实行5折优惠。
2024-10-14Minsheng Bank launched a fund subscription and regular investment fee discount campaign, offering a minimum 10% discount on front-end subscription fees for certain securities investment funds via counter, online banking, and mobile banking.民生银行对部分证券投资基金交易费率进行优惠，通过柜台、网上银行、手机银行申购、定投享有最低1折优惠。
2024-11-14Offered 1% discount on subscription and regular investment fees for certain mutual funds from Nov 14 to Dec 31.2024年11月14日至12月31日，对部分代销公募基金申购、定投费率实行1折优惠。
2025-01-06Minsheng Bank announced a transaction fee discount on over 400 securities investment funds from Jan 1 to Mar 31, 2025, with subscription and regular investment fees at 10% of the standard rate.民生银行宣布2025年1月1日至3月31日对超400只基金产品申购、定投费率享1折优惠。
2025-01-07Minsheng Bank raised the risk rating of its agency-sold public fund product Zhaoshang Anrui Bond Fund (code 217018) to 'medium risk', effective Jan 10, 2025.民生银行上调代销公募基金招商安瑞进取债券型证券投资基金风险评级至中风险，1月10日起生效。
2025-02-26CMBC was added as a new distributor for Morgan Stanley Jinhui Bond Securities Investment Fund (A shares: 022842; C shares: 022843).民生银行新增为摩根恒鑫债券型证券投资基金（A类代码022842；C类代码022843）的代销机构。
2025-08-14Minsheng Bank announced it will terminate public fund consignment cooperation on the 'Yutong Life' platform from August 25, 2025, and on the 'Huawei Wallet' platform from September 4, 2025, in response to the new distribution regulations.民生银行公告自2025年8月25日起终止与“宇通生活”平台、自9月4日起终止与“华为钱包”平台的公募基金代销合作，以响应代销新规。
2025-08-26Minsheng Bank announced it will terminate public fund consignment cooperation on the 'Online State Grid' and 'E-Bao' platforms from September 17, 2025.民生银行公告自2025年9月17日起终止在“网上国网”、“电e宝”平台的公募基金代销合作。
2025-08-28Minsheng Bank announced it will terminate public fund consignment cooperation on the 'He Bao' platform from September 19, 2025.民生银行公告自2025年9月19日起终止在“和包”平台的公募基金代销合作。
2026-08-17CMBC adjusted risk ratings for some consigned public fund products from Aug 17, 15:00, per regulatory requirements.民生银行自8月17日15时起调整部分代销公募基金产品风险评级，依据监管要求。
Sam's Club co-branded card & branches山姆会员店联名卡及支行
7 · 2024-07-26 → 2025-08-25
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Launch of co-branded credit/debit cards and community sub-branches located within Sam's Club complexes.推出联名信用卡/借记卡以及位于山姆会员店内的社区支行。
2024-07-26CMBC and Walmart's Sam's Club jointly launched the Minsheng Sam's Club co-branded credit card, offering up to RMB 800 monthly rebate for Sam's Club卓越 members and up to RMB 150 for ordinary members.民生银行与沃尔玛旗下山姆会员商店联合推出民生山姆联名信用卡，卓越主卡会员每月最高返利800元，普通主卡会员最高150元。
2024-07-26CMBC is jointly building the first community sub-branch located within a Sam's Club commercial complex to provide one-stop 'retail + finance' services.民生银行正联合山姆筹建首家开在山姆商业体内的社区支行，提供一站式“零售+金融”服务。
2024-08-29Minsheng Bank and Sam's Club (Walmart) jointly launched the Minsheng Sam's Club co-branded credit card.民生银行与沃尔玛旗下山姆会员商店联合推出民生山姆联名信用卡。
2025-03-21CMBC Nanjing branch launched the 'Minsheng Sam's Club co-branded credit card' with Sam's Club, offering cashback on purchases.民生银行南京分行与山姆会员商店推出“民生山姆联名信用卡”，提供消费返利。
2025-06-13Minsheng Bank Shenzhen Yinli Center Community Sub-branch officially opened, becoming the bank's first community outlet in Shenzhen to be located inside a Sam's Club commercial complex.民生银行深圳印力中心社区支行正式开业，成为该行在深圳首家入驻山姆商业体的社区网点。
2025-08-05Minsheng Bank Hefei Fuhua Avenue Community Sub-branch officially opened, becoming the first in-store branch at Anhui's first Sam's Club, launching a retail-finance deep integration.民生银行合肥繁华大道社区支行正式开业，成为安徽首家山姆会员商店的驻场社区支行，开启零售与金融深度融合模式。
2025-08-25Minsheng Bank adjusted the new-customer welcome benefit for its Sam's Club co-branded debit card: customers must pay 0.01 yuan to receive a Sam's voucher, with validity shortened to 30 days.民生银行调整山姆主题借记卡新客首达权益：达标客户需支付0.01元领取山姆提货券，有效期缩短至30天。
Stock repurchase & margin loans股票回购与增持贷款
3 · 2024-10-29 → 2025-04-10
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Provision of loans for share buybacks and stake increases under central bank facilities.在央行工具下为股票回购和增持提供贷款。
2024-10-29Minsheng Bank Nanjing Branch approved the first stock repurchase loan in the bank's system, one of the first batch of stock repurchase loans under the PBOC's special re-lending facility for share buybacks and increases, and the first such loan in Jiangsu Province for listed company share repurchases.民生银行南京分行审批通过系统内首批股票回购贷款，为江苏省首批专项用于上市公司回购的贷款，依据人民银行股票回购增持专项再贷款工具。
2024-11-20At Q3 2024 earnings call, disclosed that first stock repurchase loan (200 million yuan) completed, and approved stock buyback/margin loans totaling nearly 10 billion yuan.在2024年第三季度业绩说明会上披露，首单股票回购贷款已完成（金额2亿元），其他已完成审批的股票回购增持贷款金额近100亿元。
2025-04-10CMBC Haikou branch disbursed the first stock repurchase loan for a Hainan-listed company, marking a breakthrough in the new business line.民生银行海口分行发放首笔海南地区上市公司股票回购贷款，实现业务新赛道关键突破。
New Hope Chemical stake increase新希望化工增持
4 · 2024-11-18 → 2025-01-02
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New Hope Chemical increases its stake in Minsheng Bank, becoming a major shareholder.新希望化工增持民生银行股份，成为主要股东。
2024-11-18Board approved New Hope Chemical's plan to increase stake via secondary market (centralized bidding and block trades), pushing total New Hope group holding above 5%; application to NFRA for shareholder change filed.董事会审议通过新希望化工投资有限公司增持本行股份的议案，增持后新希望集团合计持股将超5%，已向国家金融监督管理总局报送核准申请。
2024-12-16New Hope Chemical (新希望化工) increased its stake in Minsheng Bank by 17.6165 million H-shares (0.04% of total shares) via centralized bidding, raising its combined holding with concert parties to 5.00%.新希望化工通过集中竞价增持民生银行1761.65万股H股（占总股本0.04%），与其一致行动人合计持股比例升至5.00%。
2024-12-16National Financial Regulatory Administration (NFRA) approved New Hope Chemical to increase its stake in Minsheng Bank by up to 68 million shares within six months, with total post-stakeholding not exceeding 5.12%.国家金融监督管理总局批复同意新希望化工在六个月内增持民生银行不超过6800万股，增持后合计持股比例不超过5.12%。
2025-01-02New Hope Chemical Investment increased its stake in Minsheng Bank H-shares five times in one week, accumulating 68 million shares, becoming the second-largest shareholder.新希望化工一周内五次增持民生银行H股，累计增持6800万股，成为第二大股东。
Non-performing asset (NPL) disposal不良资产处置
5 · 2024-11-28 → 2025-08-18
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Transfers and write-offs of non-performing loans and credit card assets.不良贷款和信用卡资产的转让与核销。
2024-11-28Bulk-transferred 1.077 billion yuan of non-performing 'Tax Net Loan' assets (23474 loans, 3594 borrowers), principal 649 million yuan, interest/fees 427 million yuan.批量转让“纳税网乐贷”不良资产10.77亿元，涉及23474笔贷款、3594户债务人，本金6.49亿元，息费4.27亿元。
2025-06-26Minsheng Bank's 9th Board of Directors held its 13th meeting, approving the write-off of non-performing assets for Q2 2025.民生银行第九届董事会第十三次会议审议通过了2025年第二季度呆账核销的决议。
2025-06-30Minsheng Bank disclosed at its AGM that it disposed of RMB 344.6 billion in non-performing assets from 2021 to 2024, with a cash recovery rate of 27.7%.民生银行在股东大会上披露，2021年至2024年累计处置不良资产3446亿元，现金回收率27.7%。
2025-07-30Minsheng Bank Guangzhou Branch transferred its creditor's rights of 370 million yuan against Guangzhou Aomei Industrial Investment to China Cinda Asset Management Guangdong Branch, with the transfer base date being February 21, 2025.民生银行广州分行将其对广州奥美产业投资有限公司的债权（基准日债权余额3.70亿元）转让给中国信达资产管理股份有限公司广东省分公司。
2025-08-18Minsheng Bank Taiyuan Branch transferred its creditor's rights against Antai Group to Wuhu Xinjin; the court approved the substitution of the plaintiff.民生银行太原分行将对安泰集团的债权转让给芜湖信晋，法院准许原告变更。
ESG & Social ResponsibilityESG与社会责任
4 · 2025-01-08 → 2026-06-16
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Donations for disaster relief, poverty alleviation projects, and rural revitalization initiatives.为救灾、扶贫项目和乡村振兴倡议进行捐赠。
2025-01-08Minsheng Bank donated emergency supplies (cotton clothes, trousers) to the 6.8-magnitude earthquake-stricken area in Dingri County, Tibet, in coordination with the China Foundation for Rural Development.民生银行向西藏定日县6.8级地震灾区紧急捐赠棉衣棉裤等物资，与中国乡村发展基金会合作运送。
2025-07-28Minsheng Bank responded to severe rainstorm disasters in Miyun District, Beijing, by jointly dispatching 100,000 yuan worth of emergency supplies with the China Foundation for Rural Development to Shicheng Town to support the basic needs of displaced residents.民生银行针对北京密云区严重暴雨灾害迅速响应，联合中国乡村发展基金会向石城镇紧急调拨价值10万元的应急物资，助力保障转移群众基本生活需求。
2025-11-28CMBC Hong Kong branch and Minsheng International donated HKD 10 million to the 'Tai Po Wang Fuk Court Assistance Fund' for emergency relief and reconstruction after a fire in Hong Kong's Tai Po area.民生银行香港分行及民银国际向香港'大埔宏福苑援助基金'捐款1000万港元，用于大埔火灾紧急救援及灾后重建。
2026-06-16Donated 700kW distributed photovoltaic power stations (35kW each) for two towns in Fengkai County, Zhaoqing, as part of a 'photovoltaic village' poverty alleviation and rural revitalization project.在肇庆封开县南丰镇、金装镇捐赠建设总规模700kW的分布式光伏电站（每村35kW），助力“光伏小镇”乡村振兴项目。
Community & Financial Education社区与金融教育
3 · 2025-02-06 → 2025-02-08
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Holding community events to promote financial security knowledge, anti-counterfeit currency awareness, and cultural appreciation.举办社区活动，宣传金融安全知识、反假币意识和文化鉴赏。
2025-02-06CMBC Tianjin Pingshan Yin sub-branch and community jointly held a 'New Year Write Blessings' event to promote financial security knowledge.民生银行天津平山印支行与社区联合举办“新春写福”活动，普及金融安全知识。
2025-02-07CMBC Shenzhen Dongmen sub-branch held a 'Write Couplets, Anti-Counterfeit Currency' campaign to raise public awareness against fake currency.民生银行深圳东门支行开展“写对联，反假货币”活动，提升公众反假币意识。
2025-02-08CMBC Tianjin Zhongxin Eco-City sub-branch partnered with Yongfeng Gucai Culture Company to host a national porcelain appreciation event.民生银行天津中新生态城支行与永丰谷瓷文化公司合作举办国瓷品鉴活动。
