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Regulatory penalties & compliance监管处罚与合规
90 · 2024-01-02 → 2026-06-08
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PSBC branches repeatedly fined for fabricating customer info, loan mismanagement, and other violations.邮储银行多家分行因伪造客户信息、贷款管理不当等违规行为屡遭罚款。
2024-01-02Postal Savings Bank of China (PSBC) Fuzhou Linchuan Branch fined 250,000 yuan for fabricating false customer information.邮储银行抚州市分行因编制虚假客户信息被罚款25万元。
2024-01-03PSBC Jinhua City Branch fined 350,000 yuan for inducing customers to buy precious metals by waiving early repayment penalties, infringing on consumer choice rights; Li Jie, former head of Wucheng sub-branch, warned.邮储银行金华市分行因诱使客户购买贵金属侵害消费者自主选择权被罚35万元，时任婺城区支行行长李杰被警告。
2024-01-04PSBC Tibet Autonomous Region Branch fined 300,000 yuan for part of working capital loans being滞留 (retained) in 2018.邮储银行西藏自治区分行因2018年部分流动资金贷款滞留被罚30万元。
2024-01-09PSBC Zhejiang Province Branch fined 6.45 million yuan for multiple violations including improper personal business loan management, loan funds flowing into stock market, and real estate development loans not based on project progress.邮储银行浙江省分行因个人经营性贷款管理不审慎等多项违规被罚645万元。
2024-01-15PSBC Ganzhou Branch fined for fabricating false insurance customer information.邮储银行赣州市分行因编制虚假投保客户信息被罚。
2024-01-17PSBC Pu'er City Branch fined 600,000 yuan for inadequate housing mortgage loan management and inadequate loan 'three checks'.邮储银行普洱市分行因住房按揭贷款管理不到位、贷款“三查”不到位被罚60万元。
2024-01-22PSBC Nantong Branch fined 1.07 million yuan by the People's Bank of China Jiangsu Branch for failing to perform customer identity identification obligations.邮储银行南通市分行因未按规定履行客户身份识别义务被央行罚款107万元。
2024-01-22PSBC Chaoyang City Branch fined 300,000 yuan for inadequate loan 'three checks'; former president Yang Xingjun fined 50,000 yuan.邮储银行朝阳市分行因贷款“三查”不到位被罚30万元，时任行长杨星君被罚5万元。
2024-02-02Postal Savings Bank of China Yichun Branch fined 200,000 yuan by the Yichun Regulatory Office of the National Financial Regulatory Administration for fabricating false customer information.邮储银行宜春市分行因编制虚假客户信息被国家金融监督管理总局宜春监管分局罚款20万元。
2024-02-02Postal Savings Bank of China Zhejiang Branch fined 6.45 million yuan by the Zhejiang Regulatory Office of the National Financial Regulatory Administration for non-prudent management of personal operating loans.邮储银行浙江省分行因个人经营性贷款管理不审慎被国家金融监督管理总局浙江监管局罚款645万元。
2024-02-02Postal Savings Bank of China Yangzhou Branch fined 1.1 million yuan by the Yangzhou Regulatory Office of the National Financial Regulatory Administration for improperly transferring operating costs to enterprises.邮储银行扬州市分行因违规向企业转嫁经营成本被国家金融监督管理总局扬州监管分局罚款110万元。
2024-03-13PSBC Daqing City Branch Duerbote County Fuqian Road Sub-branch was fined 300,000 yuan by the financial regulator for inadequate internal control management.邮储银行大庆市分行杜尔伯特县府前路支行因内控管理不到位被监管罚款30万元。
2024-03-14PSBC Tonghua City Branch was fined 250,000 yuan for inadequate employee behavior management.邮储银行通化市分行因员工行为管理不到位被罚款25万元。
2024-03-14PSBC Ji'an City Branch was fined 200,000 yuan for fabricating false customer information.邮储银行吉安市分行因编制虚假客户信息被罚款20万元。
2024-03-20PSBC Liaoyang City Tiexi Business Office was fined 200,000 yuan for inadequate employee behavior management and failure to detect violations; employee He Anchun was banned from banking work for one year for私自销售非银行发行产品.邮储银行辽阳市铁西营业所因员工行为管理不到位被罚20万元；员工赫安春因私自销售非银行发行产品被禁止从事银行业工作一年。
2024-03-22PSBC Jiujiang City Branch was fined 200,000 yuan for fabricating false customer information.邮储银行九江市分行因编制虚假客户信息被罚款20万元。
2024-04-01Postal Savings Bank of China (PSBC) Suizhou branch fined 60,000 yuan by the financial regulator for providing benefits beyond the insurance contract to the policyholder.邮储银行随州市分行因给予投保人保险合同约定以外的利益被监管罚款6万元。
2024-04-03PSBC Zhaotong branch fined 850,000 yuan by the financial regulator for illegally issuing mortgage loans that turned non-performing and serious negligence in loan investigation, approval, and post-lending monitoring.邮储银行昭通市分行因违规发放按揭贷款并形成不良、贷款“三查”严重不尽职被监管罚款85万元。
2024-04-11PSBC Guangzhou Liwan branch fined 300,000 yuan and a customer manager warned by the Guangdong financial regulator for serious violations of prudent lending rules.邮储银行广州市荔湾支行因贷款业务严重违反审慎经营规则被广东监管局罚款30万元，一名客户经理被警告。
2024-04-12PSBC Guangzhou branch fined 500,000 yuan by the Guangdong financial regulator for inadequate management of insurance product sales with uncertain benefits to specific groups.邮储银行广州市分行因对向特定人群销售保单利益不确定的保险产品管理不到位被广东监管局罚款50万元。
2024-04-16PSBC Qingdao branch fined 250,000 yuan by the financial regulator for internal control deficiencies leading to a sub-branch operating without a renewed business license.邮储银行青岛分行因内部管控不审慎导致基层网点在未换领营业执照的情况下对外营业被监管罚款25万元。
2024-06-17PSBC Pu'er Zhenxing North Road Sub-branch was warned and fined 10,000 yuan by the financial regulator for losing its financial license due to poor management.邮储银行普洱市振兴北路支行因管理不善导致金融许可证遗失，被监管警告并处罚款1万元。
2024-06-19PSBC Chongqing Yongchuan District Sub-branch was fined 200,000 yuan for passing on loan collateral appraisal fees to borrowers; Chongqing Rongchang District Sub-branch was fined 300,000 yuan for inadequate post-loan monitoring leading to fund misappropriation.邮储银行重庆永川区支行因转嫁贷款抵押物评估费被罚20万；荣昌区支行因贷后监控不力导致贷款资金被挪用被罚30万。
2024-10-12PSBC Tianshui City Branch was fined RMB 510,000 and issued a warning by the Tianshui Regulatory Branch of the NFRA for non-standard financial license management, inadequate management of personal business loans, and non-compliant supervision of agent outlets.邮储银行天水市分行因金融许可证管理不规范、个人经营性贷款管理不尽职、对辖内代理营业机构监督检查不合规，被国家金融监督管理总局天水监管分局警告并罚款51万元。
2024-10-17PSBC Zhangjiakou Xiahuayuan Sub-branch was fined RMB 10,000 and issued a warning for losing its financial license due to poor management.邮储银行张家口市下花园支行因管理不善导致金融许可证遗失，被警告并处罚款1万元。
2024-11-18PSBC Jilin City Branch was fined RMB 300,000 by the financial regulator for inadequate loan management. Zhang Xuen, then President of Jilin Longtan Sub-branch, received a warning.邮储银行吉林市分行因贷款管理不到位被罚30万元，时任吉林龙潭支行行长张旭恩被警告。
2024-11-19PSBC Tongliao City Branch was fined RMB 750,000 by the People's Bank of China for violating payment settlement regulations.邮储银行通辽市分行因违反支付结算管理规定被中国人民银行罚款75万元。
2024-11-20PSBC Yichang City Branch was fined RMB 350,000 for illegally handling personal housing mortgage loans; Tianshui City Branch was fined for non-standard financial license management; Shenzhen Branch was fined RMB 400,000 for inappropriate leased assets in factoring business; Wenzhou City Branch was fined RMB 350,000 for assigning deposit assessment tasks to non-marketing departments.邮储银行宜昌市分行因违规办理个人住房按揭贷款被罚35万元；天水市分行因金融许可证管理不规范被罚；深圳分行因租金保理业务租赁物不适格被罚40万元；温州市分行因向非营销部门下发存款考核任务被罚35万元。
2024-12-18PSBC Shaanxi branch was fined 1.93 million yuan by the People's Bank of China for violating anti-money laundering regulations.邮储银行陕西省分行因违反反洗钱管理规定被中国人民银行罚款193万元。
2025-01-06PSBC Shuozhou Branch fined RMB 300,000 by NFRA Shuozhou for inadequate control over loan fund disbursement; relevant staff warned.邮储银行朔州市分行因贷款资金支付管理与控制不到位被国家金融监督管理总局朔州监管分局罚款30万元，相关责任人被警告。
2025-01-17PSBC Zhenjiang Branch fined RMB 100,000 by NFRA Zhenjiang for failing to truthfully record the actual address of policyholders in insurance agency sales.邮储银行镇江市分行因代理销售保险业务未如实记录投保人实际地址，被国家金融监督管理总局镇江监管分局罚款10万元。
2025-02-10PSBC Chongqing Banan sub-branch was fined RMB 200,000 by the NFRA for serious negligence in loan 'three checks' (pre-issuance, during-issuance, post-issuance). Deputy branch manager Chen Tianpeng was issued a warning.邮储银行重庆巴南区支行因贷款三查严重不尽职被国家金融监督管理总局罚款20万元，分管业务副行长陈天鹏被警告。
2025-02-12PSBC Shigatse branch in Tibet was fined RMB 200,000 by the NFRA for illegally passing on operating costs to customers. Deputy branch manager Kang Jianquan was issued a warning.邮储银行日喀则市支行因违规转嫁经营成本被国家金融监督管理总局罚款20万元，时任副行长康健泉被警告。
2025-02-28PSBC Ningbo branch was fined RMB 1.7 million by the NFRA for non-compliant supply chain financing model, inadequate loan 'three checks', weak internal controls, and failure to implement regulatory requirements.邮储银行宁波分行因供应链融资模式运用不合规、贷款“三查”不到位、内控管理不到位、监管要求未落实被国家金融监督管理总局罚款170万元。
2025-03-01Postal Savings Bank Ningbo Branch fined 1.7 million yuan by Ningbo Financial Regulatory Bureau for non-compliant supply chain financing, inadequate loan checks, and weak internal controls.邮储银行宁波分行因供应链融资不合规、贷款“三查”不到位、内控管理不到位等被宁波金融监管局罚款170万元。
2025-03-04Postal Savings Bank Fushun Branch fined 500,000 yuan by Liaoning Regulatory Bureau for negligent post-loan management leading to misappropriation of loan funds.邮储银行抚顺市分行因贷后管理不审慎、导致贷款资金被挪用被辽宁监管局罚款50万元。
2025-04-11PSBC Suqian branch was fined RMB 600,000 by the financial regulator for inadequate management of personal loans and working capital loans.邮储银行宿迁市分行因个人贷款管理不到位、流动资金贷款管理不到位被罚60万元。
2025-04-19PSBC Changchun Guangfu Road business office was fined RMB 300,000 by Jilin financial regulator for employee illegal misappropriation of customer funds.邮储银行长春市光复路营业所因员工非法侵占客户资金被吉林金融监管局罚款30万元。
2025-04-21PSBC Yili Kazakh Autonomous Prefecture branch and Qapqal county sub-branch were fined RMB 435,000 for inadequate loan management and sales personnel management; three individuals were warned and fined a total of RMB 56,000.邮储银行伊犁哈萨克自治州分行及察布查尔县支行因贷款管理不到位、销售人员管理不到位被罚43.5万元，三名责任人被警告并罚款5.6万元。
2025-05-15Two outlets of PSBC Shandong branch were fined for illegal acts in insurance sales: Jining Jiezhuang office fined RMB 50,000 for promising benefits outside the contract; related manager warned and fined RMB 2,000.邮储银行山东省分行2家网点因保险销售违规被罚：济宁接庄营业所因承诺合同外利益被罚5万元，相关责任人被警告并罚款0.2万元。
2025-05-21PSBC Qiandongnan branch was fined RMB 200,000 for allowing insurance company personnel to sell insurance on bank premises; Leishan Yongle office was warned and fined RMB 10,000 for accepting benefits outside the cooperation agreement.邮储银行黔东南州分行因允许保险公司人员在营业场所销售保险被罚20万元；雷山县永乐镇营业所因收取协议外利益被警告并罚1万元。
2025-05-26PSBC Changling county sub-branch in Jilin was fined RMB 300,000 for lax execution of loan entrusted payment.邮储银行长岭县支行因贷款受托支付执行不严被罚30万元。
2025-06-05Ximeng County Mengka Town Business Office fined CNY 5000 for damaging a financial license.西盟县勐卡镇营业所因损坏金融许可证被警告并处罚款5000元。
2025-07-07PSBC Yanshou County Sub-branch in Harbin was fined 200,000 yuan by the financial regulator for inadequate loan 'three checks' (pre-loan, during-loan, post-loan), with five individuals including the branch president receiving warnings.邮储银行哈尔滨市延寿县支行因贷款三查不到位被监管罚款20万元，包括支行行长在内的五人被警告。
2025-07-07PSBC Yichang City Branch was fined 400,000 yuan by the financial regulator for inadequate internal control management.邮储银行宜昌市分行因内控管理不到位被监管罚款40万元。
2025-07-08PSBC Yulin City Branch was fined 70,000 yuan by the financial regulator for concealing important information related to insurance contracts.邮储银行榆林市分行因隐瞒与保险合同有关的重要情况被监管罚款7万元。
2025-07-15PSBC Zhoushan City Branch was fined 650,000 yuan by the financial regulator for inadequate pre-loan investigation and payment management, with two individuals receiving warnings.邮储银行舟山市分行因贷前调查不审慎、支付管理不到位被监管罚款65万元，两人被警告。
2025-07-17PSBC Guiyang Zhongyou Huimin Bank (邮惠万家银行) was fined 4.25 million yuan by the People's Bank of China Shanghai Branch for violating clearing management regulations.邮储银行旗下中邮邮惠万家银行因违反清算管理规定被中国人民银行上海市分行罚款425万元。
2025-07-17PSBC Xinzheng City Dongdajie and Gongyi City Xinxing Road agency outlets were warned and fined 5,000 yuan and 6,200 yuan respectively for violating RMB circulation management regulations.邮储银行新密市东大街营业所和巩义市新兴路营业所因违反人民币流通管理规定分别被警告并罚款5000元和6200元。
2025-07-25PSBC Hainan Province Branch was warned and fined 1.87 million yuan by the People's Bank of China Hainan Province Branch for occupying fiscal deposits or funds.邮储银行海南省分行因占压财政存款或者资金被中国人民银行海南省分行警告并处罚款187万元。
2025-07-30PSBC Xinyang City Branch was fined 300,000 yuan by the financial regulator for inadequate审查 of capital金 for some projects.邮储银行信阳市分行因部分项目资本金审查不审慎被监管罚款30万元。
2025-08-05PSBC's subsidiary, Zhongyou Youhui Wanjia Bank (direct-sales bank), was fined 4.25 million yuan for violating clearing management regulations; related personnel fined 170,000 yuan.邮储银行子公司中邮邮惠万家银行因违反清算管理规定被罚425万元，相关责任人被罚17万元。
2025-08-25PSBC Hainan branch was fined 1.87 million yuan by the People's Bank of China Hainan Provincial Branch for 'occupying fiscal deposits or funds'.邮储银行海南省分行因“占压财政存款或者资金”被中国人民银行海南省分行警告并处罚款187万元。
2025-08-25PSBC Huzhou branch was fined 400,000 yuan for inadequate loan 'three checks' (pre-issuance, during-issuance, post-issuance).邮储银行湖州市分行因贷款“三查”不到位被罚款40万元。
2025-08-25PSBC Jinhua branch was fined 1.9 million yuan for inadequate loan 'three checks', misuse of loan funds, and granting benefits outside insurance contracts. Three responsible individuals received warnings.邮储银行金华市分行因贷款“三查”不到位、贷款资金未按约定用途使用、给予投保人合同外利益等被罚190万元，三名责任人被警告。
2025-09-01PSBC's Tibet branch fined RMB 300,000 by NFRA for illegally adding hidden government debt.邮储银行西藏自治区分行因违规新增政府隐性债务被国家金融监督管理总局罚款30万元。
2025-09-04PSBC Hainan branch fined RMB 1.87 million by PBOC Hainan for occupying fiscal deposits or funds.邮储银行海南省分行因占压财政存款或资金被中国人民银行海南省分行警告并处罚款187万元。
2025-09-05PSBC Hubei branch fined RMB 650,000 by Hubei NFRA for negligent bill and letter of credit business management.邮储银行湖北省分行因票据业务、信用证业务管理不审慎被湖北金融监管局罚款65万元。
2025-09-08PSBC Shaanxi branch and Xi'an branch fined RMB 1.17 million by Shaanxi NFRA for negligent fixed-asset loan management, misappropriated personal loans, and inadequate employee conduct management.邮储银行陕西省分行、西安市分行因固定资产贷款管理不审慎、个人贷款资金被挪用、员工行为管理不到位被陕西金融监管局罚款117万元。
2025-10-01Postal Savings Bank of China (PSBC) was fined and confiscated a total of 27.9167 million yuan by the National Financial Regulatory Administration (NFRA) for imprudent management of loan business, internet loan business, performance appraisal, and cooperative business. Responsible person Huang Wenxian was warned and fined 50,000 yuan.邮储银行因相关贷款业务、互联网贷款业务、绩效考核、合作业务等管理不审慎，被国家金融监督管理总局罚没合计2791.67万元，责任人黄文贤被警告并罚款5万元。
2025-10-15PSBC Dandong City branch was fined 350,000 yuan by the Dandong Financial Regulatory Sub-bureau for inadequate management of employees at agency business outlets. Two sub-branches were each fined 100,000 yuan for illegally conducting agency sales business.邮储银行丹东市分行因对代理营业机构员工管理不到位被丹东金融监管分局罚款35万元；两家营业所因违规开展代销业务各被罚10万元。
2025-10-28PSBC Fengjie County sub-branch was fined 300,000 yuan by the Wanzhou Financial Regulatory Sub-bureau for employees illegally cooperating with intermediaries to issue loans and inadequate employee behavior management. Responsible person Zhang Yanni was banned from banking for 5 years.邮储银行奉节县支行因单位员工违规与中介合作发放贷款、员工行为管理不到位，被万州监管分局罚款30万元。责任人张艳妮被禁止从事银行业工作5年。
2025-11-03PSBC Jiayin County sub-branch fined RMB 300k for inadequate internal control; Yichun Wucui District sub-branch fined RMB 300k for inadequate internal control and loan 'three checks' failures.邮储银行嘉荫县支行因内控管理不到位被罚30万；伊春市乌翠区支行因内控管理不到位、贷款“三查”不到位被罚30万。
2025-11-10PSBC Rongcheng county sub-branch fined RMB 300k for inadequate post-loan management; PSBC Xiongxian sub-branch fined RMB 800k for inadequate post-loan management and serious violation of prudent operation rules.邮储银行容城县支行因贷后管理不到位被罚30万；雄县支行因贷后管理不到位、信贷业务严重违反审慎经营规则被罚80万。
2025-11-19PSBC Dehong branch fined RMB 300k for using working capital loans for project advance payments.邮储银行德宏州分行因发放流动资金贷款用于项目垫资被罚30万元。
2025-11-25PSBC Xuchang branch fined RMB 300k for inadequate post-loan management leading to loan fund misappropriation; an individual was warned.邮储银行许昌市分行因贷后管理不到位导致贷款资金被挪用被罚30万元；石某被警告。
2025-12-11PSBC's Credit Card Center was fined RMB 3 million by the Beijing Financial Regulatory Bureau for violations including irregular commodity telemarketing installment business, charging full fees for early repayment, and imprudent credit management.邮储银行信用卡中心因违规开展商品电销分期业务、提前还款收取全额手续费、授信管理不审慎等，被北京金融监管局罚款300万元。
2025-12-11PSBC Suihua Branch was fined RMB 300,000 for inadequate loan 'three checks' (pre-loan, during-loan, post-loan).邮储银行绥化市分行因贷款“三查”不到位被罚款30万元。
2025-12-11PSBC Lishui Branch was fined RMB 900,000 for imprudent management of agency sales business and inadequate personal loan 'three checks'.邮储银行丽水市分行因代理销售业务管理不审慎、个人贷款三查不到位被罚款90万元。
2026-01-04PSBC Rizhao City branch fined 300,000 yuan by the local financial regulatory bureau for inadequate loan management.邮储银行日照市分行因贷款管理不到位被当地金融监管局罚款30万元。
2026-01-04PSBC Luoyang City branch fined 350,000 yuan by the local financial regulatory bureau for inadequate due diligence on the trade background of bank acceptance bills.邮储银行洛阳市分行因银行承兑汇票业务贸易背景审查不尽职被当地金融监管局罚款35万元。
2026-01-04PSBC Sanmenxia City branch fined 450,000 yuan by the local financial regulatory bureau for inaccurate inclusive small-micro enterprise loan data and illegally charging cash management fees disproportionate to service quality.邮储银行三门峡市分行因普惠型小微企业贷款数据不真实、违规收取质价不符现金管理费被当地金融监管局罚款45万元。
2026-01-04A former employee of PSBC Chengdu Wuhou District sub-branch, Zhang Wei, was banned from working in the banking industry for 5 years due to serious dereliction of duty in related loan business.邮储银行成都武侯区支行原员工张维因相关贷款业务严重失职被禁止从事银行业工作5年。
2026-01-09PSBC Henan Province branch was fined 900,000 yuan for issuing loans without actual use, inflating deposit and loan scale, and data management negligence. Its direct sub-branch was fined 1.1 million yuan for multiple violations including inadequate pre-loan investigation and improper fee collection.邮储银行河南省分行因发放无实际用途贷款、虚增存贷款规模、数据管理不审慎被罚款90万元；其直属支行因贷前调查不尽职、违规收费等被罚款110万元。
2026-01-12PSBC Zhangzhou City branch was fined 1.915 million yuan and given a warning by the Zhangzhou Financial Regulatory Bureau for inadequate pre-loan and post-loan management of personal and working capital loans, and other violations.邮储银行漳州市分行因个人经营性、消费性及流动资金贷款贷前调查不尽职、贷后管理不到位等被漳州金融监管分局警告并合计罚款191.5万元。
2026-01-12PSBC Pingdingshan City branch was fined 630,000 yuan by the Pingdingshan Financial Regulatory Bureau for post-loan management failures leading to misappropriation of credit funds and other violations.邮储银行平顶山市分行因贷后管理不到位导致信贷资金被挪用等被平顶山金融监管分局罚款63万元。
2026-01-14PSBC Xinxiang City branch was fined 300,000 yuan by the Xinxiang Financial Regulatory Bureau for inadequate post-loan management.邮储银行新乡市分行因贷后管理不到位被新乡金融监管分局罚款30万元。
2026-01-20PSBC Quanzhou City branch was fined a total of 2.8 million yuan by the Quanzhou Financial Regulatory Bureau for inadequate internal control in credit business and inadequate pre-loan and post-loan management of personal loans.邮储银行泉州市分行因信贷业务内控管理不到位、个人贷款贷前调查不尽职、贷后管理不到位被泉州金融监管分局合计罚款280万元。
2026-01-29Four business offices of PSBC in Tumen City were each fined 400,000 yuan by the Yanbian Financial Regulatory Bureau for employee misappropriation of funds and fraud. Employee Jin Yixiang was banned from the banking industry for life.邮储银行图们市四家营业所因员工挪用资金、诈骗分别被延边金融监管分局罚款40万元，员工金艺香被禁止终身从事银行业工作。
2026-01-30PSBC Nanning City branch and its sub-branches in Guangxi were fined a total of 500,000 yuan by the Guangxi Financial Regulatory Bureau for inadequate loan 'three checks' and misleading sales.邮储银行广西壮族自治区南宁市分行及分支机构因贷款“三查”不尽职、销售误导被广西金融监管局合计罚款50万元。
2026-04-01PSBC Liupanshui City branch fined RMB 575,000 by the People's Bank of China for failing to implement anti-money laundering risk management measures for high-risk situations.邮储银行六盘水市分行因未按规定对洗钱高风险情形采取相应洗钱风险管理措施，被中国人民银行罚款57.5万元。
2026-04-15PSBC Qingyang branch in Gansu was fined RMB 400,000 by the NFRA for violations in auto consumption loan business, including inadequate due diligence and post-lending management. Two customer managers were permanently banned from the banking industry.邮储银行甘肃庆阳市分行因汽车消费贷款业务存在贷前调查不尽职、贷后管理不到位等违规行为，被罚款40万元，两名客户经理被终身禁业。
2026-05-07Anyang branch of Postal Savings Bank of China was fined RMB 450,000 by the NFRA Anyang Regulatory Office for granting fixed-asset loans to a PPP project with incomplete 'four certificates' and inadequate loan 'three checks'.邮储银行安阳市分行因向'四证'不全的PPP项目发放固定资产贷款、贷款'三查'不到位，被国家金融监督管理总局安阳监管分局罚款45万元。
2026-05-18Jiangsu branch of Postal Savings Bank of China was fined RMB 1 million by the NFRA Jiangsu Office for irregularities in factoring and letter of credit businesses; Nanjing branch was fined RMB 400,000 for inadequate customer due diligence in bank acceptance draft business.邮储银行江苏省分行因违规办理融资租赁项下国内信用证等业务被罚100万元；南京市分行因银行承兑汇票业务客户调查不审慎被罚40万元。
2026-05-22Xiamen branch of Postal Savings Bank of China was fined a total of RMB 1,822,711 by the People's Bank of China Xiamen Branch for violations including breaching credit reporting regulations, occupying fiscal deposits, and failing to conduct proper customer due diligence.邮储银行厦门分行因违反征信管理规定、占压财政存款或资金、未按规定开展客户尽职调查等，被中国人民银行厦门市分行警告、通报批评并处罚款合计182.2711万元。
2026-05-28Mengzhou sub-branch of Postal Savings Bank of China was warned and fined RMB 8,000 by the Jiaozuo Regulatory Office for losing its financial license due to poor management.邮储银行孟州市支行因管理不善导致金融许可证遗失，被焦作金融监管分局警告并处罚款0.8万元。
2026-05-28Zhoukou branch of Postal Savings Bank of China was fined RMB 750,000 by the NFRA Zhoukou Regulatory Office for project loan funds flowing back, inadequate post-lending management, and imprudent personal housing loan processing.邮储银行周口市分行因项目贷款资金回流、贷后管理不到位、个人住房贷款业务办理不审慎，被周口监管分局罚款75万元。
2026-06-05Xuan'en County Chunmuying Office was fined 10,000 yuan and issued a warning by the Enshi Financial Regulatory Sub-Bureau for losing its financial license due to poor management.宣恩县椿木营营业所因管理不善导致金融许可证遗失，被恩施金融监管分局警告并罚款1万元。
2026-06-08Tianjin Branch was fined 600,000 yuan for inadequate loan 'three checks' and granting personal business loans to public officials. Tianjin Free Trade Zone Sub-branch was fined 300,000 yuan for granting loans to non-qualifying fixed asset projects.天津分行因贷款“三查”不尽职、向公职人员发放个人经营性贷款被罚60万元；天津自由贸易试验区分行因向不符合条件固定资产项目发放贷款被罚30万元。
2026-06-08Xiping County Sub-branch was fined 200,000 yuan by the Zhumadian Regulatory Sub-Bureau for inadequate post-lending management leading to misappropriation of loan funds.西平县支行因贷后管理不到位导致贷款资金被挪用，被驻马店监管分局罚款20万元。
Executive appointments & moves高管任命与变动
82 · 2024-01-02 → 2026-06-23
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PSBC appoints and reshuffles executives at branch and head office levels.邮储银行在分行和总行层面进行高管任命与调整。
2024-01-02Li Gongtao approved as vice president of PSBC Liaocheng City Branch by the National Financial Regulatory Administration (NFRA) Liaocheng Office.国家金融监督管理总局聊城监管分局核准李公涛邮储银行聊城市分行副行长任职资格。
2024-01-02Ma Linna approved as deputy general manager of PSBC Credit Card Center by NFRA Beijing Office.国家金融监督管理总局北京监管局核准马琳娜邮储银行信用卡中心副总经理任职资格。
2024-01-03Yan Xinchun approved as president of PSBC Weihai City Branch by NFRA Weihai Office.国家金融监督管理总局威海监管分局核准燕欣春邮储银行威海市分行行长任职资格。
2024-01-03Huang Wei approved as vice president of PSBC Yili Prefecture Branch by NFRA Yili Office.国家金融监督管理总局伊犁监管分局核准黄薇邮储银行伊犁州分行副行长任职资格。
2024-01-09Yao Shi approved as vice president of PSBC Shanxi Province Branch by NFRA Shanxi Office.国家金融监督管理总局山西监管局核准姚适邮储银行山西省分行副行长任职资格。
2024-01-15Wang Libo and Xu Jian approved as vice presidents of PSBC Lishui City Branch by NFRA Lishui Office.国家金融监督管理总局丽水监管分局核准王丽波、徐健邮储银行丽水市分行副行长任职资格。
2024-01-23Huang Jie approved as non-executive director of PSBC by NFRA, effective from January 19, 2024, for a three-year term.国家金融监督管理总局核准黄杰邮储银行非执行董事任职资格，自2024年1月19日起任职。
2024-01-25Chu Huabin approved as vice president of PSBC Xinjiang Uygur Autonomous Region Branch by NFRA Xinjiang Office.国家金融监督管理总局新疆监管局核准楚华彬邮储银行新疆维吾尔自治区分行副行长任职资格。
2024-02-02He Yuechun's qualification as Deputy General Manager of China Post Consumer Finance Co., Ltd. was approved by the Guangdong Regulatory Bureau of the National Financial Regulatory Administration.中邮消费金融有限公司副总经理何跃春的任职资格获国家金融监督管理总局广东监管局核准。
2024-02-09Yuan Jingwei's qualification as Director and General Manager of China Post Consumer Finance Co., Ltd. was approved by the Guangdong Regulatory Bureau of the National Financial Regulatory Administration.袁京卫任中邮消费金融有限公司董事、总经理的任职资格获国家金融监督管理总局广东监管局核准。
2024-03-07PSBC Chengdu Branch obtained regulatory approval for Li Bo to serve as deputy行长 (vice president).邮储银行成都市分行获批李波担任副行长任职资格。
2024-03-08PSBC shareholder supervisor Zhao Yongxiang resigned due to reaching statutory retirement age, effective March 8, 2024.邮储银行股东代表监事赵永祥因达到法定退休年龄辞任，自2024年3月8日起生效。
2024-03-22Sun Shaobin was approved by the regulator to serve as the president of PSBC Wuhai City Branch.孙少斌获批担任邮储银行乌海市分行行长。
2024-04-17Gao Xiaogang's appointment as Vice President of PSBC Luliang branch was approved by the financial regulator.高晓刚任邮储银行吕梁市分行副行长的任职资格获监管批准。
2024-06-24PSBC Shandong Branch confirmed the appointment of Xue Guiqing as the president of its Tai'an City Branch, approved by the financial regulator.邮储银行山东省分行落实薛桂清任泰安市分行行长的任命，已获监管核准。
2024-07-01PSBC Xinjiang Branch received approval for Hou Yan to serve as Vice President of Changji Hui Autonomous Prefecture Branch.侯艳获批担任邮储银行昌吉回族自治州分行副行长。
2024-08-01Postal Savings Bank of China (PSBC) Shanghai Pudong New Area Sub-branch approved Lu Hua as deputy general manager.邮储银行上海浦东新区分行获批陆华任职副行长。
2024-08-02PSBC Qianxinan Prefecture Sub-branch approved Xie Xiaohong as deputy general manager.邮储银行黔西南州分行谢晓红获批任职副行长资格。
2024-08-12PSBC Tongren City Branch approved Yu Zhangping as branch general manager.邮储银行铜仁市分行获批余章平任行长。
2024-08-15PSBC Ningde City Sub-branch approved Lin Wei as deputy general manager.邮储银行宁德市分行林玮获批任职副行长。
2024-08-20PSBC Fujian Longyan City Sub-branch approved Lin Xiangqing as deputy general manager.邮储银行福建龙岩市分行获批任命林香清为副行长。
2024-08-26PSBC Shantou City Sub-branch approved Yu Xiaoming as deputy general manager.邮储银行汕头市分行获批余晓明任职副行长。
2024-09-11PSBC announced that Liu Xin'an, Zhang Xuanbo, Hu Yuting, and Yu Mingxiong have been approved by the National Financial Regulatory Administration (NFRA) to serve as non-executive directors, effective from September 10, 2024, for a term of three years.邮储银行公告，刘新安、张宣波、胡宇霆、余明雄四位非执行董事的任职资格获国家金融监督管理总局核准，自2024年9月10日起就任，任期三年。
2024-09-19Li Rongyuan was approved by the NFRA Hainan bureau to serve as deputy president of PSBC Haikou branch.李荣元获国家金融监督管理总局海南监管局核准，担任邮储银行海口市分行副行长。
2024-09-19Guan Yiliang was approved by the NFRA Fujian bureau to serve as deputy president of PSBC Sanming branch.官义亮获国家金融监督管理总局福建监管局核准，担任邮储银行三明市分行副行长。
2024-10-08PSBC Hebei Branch received regulatory approval for the appointment of Shi Jinjie as Vice President of Xingtai City Branch and Duan Kun as Vice President of Shijiazhuang City Branch.邮储银行河北省分行获监管批复，核准石进杰任邢台市分行副行长、段坤任石家庄市分行副行长的任职资格。
2024-10-15PSBC announced that Hong Xiaoyuan's appointment as an independent non-executive director was approved by the NFRA, effective from October 12, 2024, for a three-year term. Hu Xiang ceased to serve as independent non-executive director.邮储银行公告，洪小源担任独立非执行董事的任职资格获国家金融监督管理总局核准，自2024年10月12日起就任，任期三年。胡湘不再担任独立非执行董事。
2024-11-13Yang Bo was approved as Vice President of PSBC Chongqing Banan Sub-branch.重庆监管局核准杨波邮储银行重庆巴南分行副行长的任职资格。
2024-11-15Li Changying was approved as President of PSBC Zhangjiajie City Branch, Hunan Province.湖南监管局核准李长缨邮储银行张家界市分行行长的任职资格。
2024-11-19Zhao Xia'an was approved as Vice President of PSBC Putian City Branch, Fujian Province.福建监管局核准赵侠安邮储银行莆田市分行副行长的任职资格。
2024-12-06PSBC announced internal personnel changes: Li Yue, Party Secretary of the Party Building Work Department, is proposed to be General Manager of the General Affairs Department; Zhao Hongmei, General Manager of the Internal Control and Compliance Department, is proposed to be Party Secretary of the Party Building Work Department.邮储银行内部人事调整：党建工作部党支部书记李跃拟任总务部总经理；内控合规部总经理赵红梅拟任党建工作部党支部书记。
2024-12-13PSBC Zhejiang regulator approved Chen Tiezhong as the President of PSBC Hangzhou branch.浙江金融监管局核准陈铁中邮储银行杭州市分行行长的任职资格。
2025-01-02Postal Savings Bank of China (PSBC) board elected Zheng Guoyu as Chairman; nomination as non-executive director and qualification approval by NFRA pending.邮储银行董事会选举郑国雨为董事长；尚需股东大会选举为非执行董事并经国家金融监督管理总局核准任职资格。
2025-01-02NFRA Gansu Bureau approved Di Yajun as President of PSBC Gansu Branch.国家金融监督管理总局甘肃监管局核准狄亚军任邮储银行甘肃省分行行长。
2025-02-10PSBC's Lin Quan was approved as Vice President of Guangdong provincial branch on Feb 7, 2025, having previously served as President of Maoming, Dongguan, and Foshan city branches.2025年2月7日，林拳邮储银行广东省分行副行长的任职资格获核准，曾任茂名、东莞、佛山分行行长。
2025-02-14The National Financial Regulatory Administration (NFRA) approved Zheng Guoyu's qualification as Chairman and Director of PSBC, effective from February 13, 2025. He also serves as the legal representative and Chairman of the Strategic Planning Committee.国家金融监督管理总局核准郑国雨担任邮储银行董事长、董事的任职资格，自2025年2月13日起就任，并同时担任法定代表人及董事会战略规划委员会主席。
2025-02-14NFRA approved Xia Wei as Vice President of PSBC Dalian branch.国家金融监督管理总局核准夏伟担任邮储银行大连分行副行长的任职资格。
2025-02-17NFRA approved Wan Junxian as President of PSBC Baoji branch in Shaanxi.国家金融监督管理总局核准万军贤担任邮储银行宝鸡市分行行长的任职资格。
2025-02-20NFRA approved Mai Jingben as President of PSBC Zhanjiang branch in Guangdong.国家金融监督管理总局核准麦靖奔担任邮储银行湛江市分行行长的任职资格。
2025-02-28NFRA approved Li Jing as Vice President of PSBC Lijiang branch in Yunnan.国家金融监督管理总局核准李晶担任邮储银行丽江市分行副行长的任职资格。
2025-03-05Li Jiaojiao approved as Vice President of Postal Savings Bank Mianyang Branch by Sichuan Regulatory Bureau.四川监管局核准李姣姣担任邮储银行绵阳市分行副行长的任职资格。
2025-03-07Xie Mao approved as a senior executive of Postal Savings Bank Sichuan Branch by Sichuan Regulatory Bureau.四川监管局核准谢茂担任邮储银行四川省分行高级管理人员的任职资格。
2025-03-07Tan Qinyuan approved as President of Postal Savings Bank Ganzi Tibetan Autonomous Prefecture Branch by Sichuan Regulatory Bureau.四川监管局核准谭钦元担任邮储银行甘孜藏族自治州分行行长的任职资格。
2025-03-14Qin Qinchuan approved as President of Postal Savings Bank Chongqing Liangjiang Branch by Chongqing Regulatory Bureau.重庆监管局核准秦邱川担任邮储银行重庆两江分行行长的任职资格。
2025-03-14Chen Guoliang approved as President of Postal Savings Bank Foshan Branch by Guangdong Regulatory Bureau.广东监管局核准陈国梁担任邮储银行佛山市分行行长的任职资格。
2025-04-01PSBC Henan Regulatory Bureau approved Zhu Hongli as vice president of PSBC Pingdingshan branch.河南监管局核准朱红莉邮储银行平顶山市分行副行长任职资格。
2025-04-03PSBC Yunnan Regulatory Bureau approved Fang Xin as vice president of PSBC Baoshan branch.云南监管局核准方新邮储银行保山市分行副行长任职资格。
2025-04-16PSBC Zhejiang Regulatory Bureau approved Wang Muzirui as president of PSBC Lishui branch.浙江监管局核准王慕子睿邮储银行丽水市分行行长任职资格。
2025-04-17PSBC Fujian Regulatory Bureau approved Huang Ruili as vice president of PSBC Sanming branch.福建监管局核准黄瑞力邮储银行三明市分行副行长任职资格。
2025-05-28The National Financial Regulatory Administration approved Liu Ruigang as non-executive director and Yang Yong as independent non-executive director of PSBC, effective from May 23, 2025, for a three-year term.国家金融监督管理总局核准刘瑞钢任邮储银行非执行董事、杨勇任独立非执行董事，自2025年5月23日起任职，任期三年。
2025-06-04Zhang Ning approved as Vice President of Yantai City Branch by Shandong regulator.山东监管局核准张宁烟台市分行副行长的任职资格。
2025-06-05Zhang Ye approved as Vice President of Shenyang City Branch by Liaoning regulator.辽宁监管局核准张烨沈阳市分行副行长的任职资格。
2025-06-06Liu Zhengwei approved as Vice President of Foshan City Branch by Guangdong regulator.广东监管局核准刘正伟佛山市分行副行长的任职资格。
2025-06-09Wu Qi approved as Vice President of Shanghai Free Trade Zone Branch by Shanghai regulator.上海监管局核准吴琪上海自由贸易试验区分行副行长的任职资格。
2025-06-10Yang Chao approved as Vice President of Chongqing Hechuan Branch by Chongqing regulator.重庆监管局核准杨超重庆合川分行副行长的任职资格。
2025-06-10Fu Shaoyi approved as Vice President of Chongqing Wanzhou Branch by Chongqing regulator.重庆监管局核准付少毅重庆万州分行副行长的任职资格。
2025-07-22Wang Lianying's qualification as Vice President of PSBC Sanming City Branch was approved by the financial regulator.王连英邮储银行三明市分行副行长的任职资格获监管核准。
2025-07-28Sun Rukuo's qualification as Vice President of PSBC Zhangjiakou City Branch was approved by the financial regulator.孙如阔中国邮政储蓄银行张家口市分行副行长的任职资格获监管核准。
2025-07-29Li Jia's qualification as Vice President of PSBC Shijiazhuang City Branch was approved by the Hebei financial regulator.李嘉中国邮政储蓄银行石家庄市分行副行长的任职资格获河北金融监管局核准。
2025-08-12PSBC Jiaxing branch deputy president Xu Yin and Kizilsu branch deputy president Maimaitijiang Aediresi received regulatory approval for their appointments.徐银任邮储银行嘉兴市分行副行长、麦买提江·艾地热斯任邮储银行克孜勒苏分行副行长的任职资格获监管核准。
2025-10-14PSBC Henan Province former deputy general manager Lyu Zhouqian is suspected of serious disciplinary and legal violations and is undergoing disciplinary review and supervisory investigation by the PSBC Discipline Inspection Commission and the Xinxiang City Supervisory Commission.中国邮政储蓄银行河南省分行原党委委员、副行长吕周谦涉嫌严重违纪违法，目前正接受中国邮政储蓄银行纪委纪律审查和河南省新乡市监察委员会监察调查。
2025-10-16The NFRA Fuling Regulatory Sub-bureau approved Zhong Wei's qualification as the vice president of PSBC Chongqing Fuling Sub-branch.国家金融监督管理总局涪陵监管分局核准钟威中国邮政储蓄银行股份有限公司重庆涪陵分行副行长的任职资格。
2025-10-30PSBC non-executive director Han Wenbo resigned due to a job transfer, ceasing to serve as Chairman and member of the Risk Management Committee and member of the Strategic Planning Committee of the board.邮储银行非执行董事韩文博因工作调动辞职，辞去董事会风险管理委员会主席及委员、战略规划委员会委员职务。
2025-11-10PSBC Hebi branch received regulatory approval for Zhao Yadong to assume the role of Hebi branch president.鹤壁金融监管分局核准赵亚东中国邮政储蓄银行鹤壁市分行行长的任职资格。
2025-11-10PSBC conducted mid-level management reshuffles: Li Xiaoliang transferred from Shandong branch president to non-leadership role; Li Guangzeng promoted from Qingdao branch president to Shandong branch president; Xu Junyi moved from Xinjiang branch president to Heilongjiang branch president; Wu Bin promoted from Anhui deputy branch president to Xinjiang branch president.邮储银行中层人事变动：李晓良由山东省分行行长转非领导职务；李广增由青岛市分行行长升任山东省分行行长；许俊义由新疆分行行长调任黑龙江分行行长；吴斌由安徽省分行副行长升任新疆分行行长。
2025-12-03Ge Jing's qualification as Vice President of PSBC Jiuquan Branch was approved by the local financial regulatory authority.葛静担任邮储银行酒泉市分行副行长的任职资格获当地金融监管局核准。
2025-12-09Guo Huanyan's qualification as Vice President of PSBC Hebi Branch was approved by the local financial regulatory authority.郭焕雁担任邮储银行鹤壁市分行副行长的任职资格获当地金融监管局核准。
2025-12-10Yang Xilin, former General Manager of the Financial Interbank Department, was appointed as a member of the Party Committee of PSBC and is expected to become the first Financial Market Business Director.原邮储银行金融同业部总经理杨西琳已出任邮储银行党委委员，或将出任首位金融市场业务总监。
2026-01-09Wu Yongchao's qualification as president of PSBC Zhoushan City branch was approved by the Zhoushan Financial Regulatory Bureau.舟山金融监管分局核准吴永超邮储银行舟山市分行行长的任职资格。
2026-01-13PSBC received regulatory approval for Pu Yonghao to serve as an independent non-executive director, effective from January 13, 2026, for a term of three years.邮储银行获监管核准浦永灏担任独立非执行董事，自2026年1月13日起任职，任期三年。
2026-01-19PSBC's board of directors elected Lu Wei as chairman and member of the Board's Social Responsibility and Consumer Protection Committee, and member of the Strategic Planning and Nomination and Remuneration Committees, effective upon regulatory approval of his director qualification.邮储银行董事会选举芦苇担任董事会社会责任与消费者权益保护委员会主席及委员、战略规划委员会委员、提名和薪酬委员会委员，自监管核准其董事资格之日起生效。
2026-01-19PSBC's 2026 first extraordinary general meeting approved the election of Lu Wei as an executive director of the bank.邮储银行2026年第一次临时股东会审议通过选举芦苇为公司执行董事的议案。
2026-02-27Postal Savings Bank of China (PSBC) board approved the appointment of Lu Wei as president, with qualification approved by the National Financial Regulatory Administration (NFRA), succeeding Liu Jianjun who retired due to age.邮储银行董事会审议通过聘任芦苇为行长，任职资格获国家金融监督管理总局核准，接替因到龄退休的原行长刘建军。
2026-03-02Lu Wei was approved by the National Financial Regulatory Administration as the President and Director of Postal Savings Bank of China. He previously served as President of China CITIC Bank and Deputy General Manager of China Post Group.国家金融监督管理总局核准芦苇为中国邮政储蓄银行行长、董事的任职资格。芦苇曾任中信银行行长、中国邮政集团有限公司副总经理。
2026-03-03PSBC adjusted the presidents of 6 first-level branches: Li Guolu (formerly Chongqing) to Sichuan; Tang Huajian (formerly Zhejiang) to Chongqing; Shi Junbao (formerly Hebei) to Zhejiang; Zhao Pingping (formerly Shaanxi) to Hebei; and others.邮储银行调整6家一级分行行长：李国炉（原重庆）调任四川；唐华建（原浙江）调任重庆；史军保（原河北）调任浙江；赵平平（原陕西）调任河北等。
2026-05-26Postal Savings Bank of China's board approved the appointment of President Lu Wei as the Chief Compliance Officer, effective from 26 May 2026, making him concurrently serve as both President and Chief Compliance Officer.邮储银行董事会审议通过聘任行长芦苇兼任首席合规官，自2026年5月26日起生效，芦苇同时担任行长和首席合规官。
2026-06-03Non-executive Director Ding Xiangming resigned effective June 1, 2026, due to a job change.非执行董事丁向明因工作变动，自2026年6月1日起辞任。
2026-06-03Song Xiaodong was appointed as a non-executive director, effective June 1, 2026, with term of three years, after approval by the National Financial Regulatory Administration (NFRA).宋晓东获国家金融监督管理总局核准，自2026年6月1日起就任本行非执行董事，任期三年。
2026-06-04Yang Xilin was approved by the NFRA to serve as the Financial Market Director, effective June 1, 2026.杨西琳获国家金融监督管理总局核准，自2026年6月1日起担任金融市场总监。
2026-06-09Mu Guifeng's qualification as President of Pingdingshan City Branch was approved by the Pingdingshan Regulatory Sub-Bureau.平顶山监管分局核准穆桂峰中国邮政储蓄银行平顶山市分行行长的任职资格。
2026-06-10Chen Xiaoping's qualification as Vice President of Qingyuan City Branch was approved by the Qingyuan Financial Regulatory Sub-Bureau.清远金融监管分局核准陈小平邮储银行清远市分行副行长的任职资格。
2026-06-23Chen Jianhong, former Party Secretary and President of Xiamen Branch, is under investigation for suspected serious violations of discipline and law by the Central Commission for Discipline Inspection and the Fujian Provincial Supervision Commission.厦门分行原党委书记、行长陈建宏涉嫌严重违纪违法，目前正接受中央纪委国家监委驻中国邮政集团有限公司纪检监察组和福建省厦门市监委纪律审查和监察调查。
Branch network expansion & optimization网点网络扩张与优化
81 · 2024-01-03 → 2026-05-16
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PSBC opens, renames, and closes branches across China to optimize its physical network.邮储银行在全国范围内开设、更名和关闭分支机构，以优化实体网络。
2024-01-03PSBC Guang'an Shenguang Avenue Business Office approved for opening by NFRA Guang'an Office.邮储银行广安市深广大道营业所获准开业。
2024-01-04PSBC Louxing District Branch approved for opening in Loudi, Hunan.邮储银行娄星区支行获准在湖南娄底开业。
2024-01-05PSBC Sichuan Branch approved to prepare a new business office in Weizi Town, Guangyuan City.邮储银行四川省分行获准筹建广元市卫子镇营业所。
2024-01-12PSBC Ningbo Zhenhai District Chenni Road Business Office approved for opening.邮储银行宁波镇海区陈倪路营业所获准开业。
2024-01-12PSBC Hubei Branch approved to prepare new business offices in Hanchuan Hanji Township and Xuan'en Changtanhe.邮储银行湖北省分行获准筹建汉川市韩集乡、宣恩县长潭河营业所。
2024-04-01PSBC Chengdu Shilingzhen branch and three other branches received approval from the Sichuan regulatory bureau to rename, changing 'town' to 'subdistrict' in their names.邮储银行成都市十陵镇支行等4家机构获四川监管局批准更名，将名称中的“镇”改为“街道”。
2024-04-25PSBC Jinan branch's Private Banking Center officially opened in Lixia District, Jinan, attended by senior management from the head office and Shandong branch.邮储银行济南市分行私人银行中心在济南市历下区开业，总行及山东省分行高管出席。
2024-05-07PSBC Shizuishan Goukou Sub-branch was approved to terminate operations; its business was merged into PSBC Shizuishan Helanshan North Road Sub-branch.邮储银行石嘴山市沟口营业所获批终止营业，原有业务并入邮储银行石嘴山市贺兰山北路营业所。
2024-05-24PSBC Ningxia branch opened its first 'Science and Technology Sub-branch' in Shizuishan, and on-site granted credit to 5 tech firms including Ningxia Tianbao Carbon Co., Ltd.邮储银行宁夏分行首家科技支行在石嘴山市挂牌成立，现场为宁夏天宝炭素有限公司等5家科技型企业授信。
2024-06-11PSBC Luojiajiang Sub-branch in Quanzhou officially opened at its new location, filling a gap in the district's branch network.邮储银行洛江区支行新址正式开业，填补了该行在洛江区设立分支机构的空白。
2024-06-24The first 'Savings Treasury Bond Service Demonstration Site' in Guizhou was inaugurated at PSBC Xifeng County Heishenmiao Business Office.贵州首个“储蓄国债服务示范点”在邮储银行息烽县黑神庙营业所揭牌。
2024-07-01PSBC Sichuan Branch received approval to establish Tongjiang County Chengnan Road Business Office in Bazhong City, Sichuan Province, with a 6-month construction period.邮储银行四川省分行获批筹建通江县城南路营业所，位于四川省巴中市，筹建期限6个月。
2024-07-02PSBC Hebei Branch received approvals to establish new business offices in Bazhou Jianpucha, Qian'an Yejituo, and Zunhua Sujiawa, each with a 6-month construction period.邮储银行河北省分行获批筹建霸州市煎茶铺、迁安市野鸡坨、遵化市苏家洼营业所，筹建期均为6个月。
2024-07-09PSBC Mianyang Puming South Road Business Office was approved to rename to PSBC Mianyang Huoju West Street Business Office; PSBC Mianyang Tashui Town Tiaoyuan Business Office was approved to rename to PSBC Mianyang Tashui Town Tiaoyuan Gandao Business Office.邮储银行绵阳市普明南路营业所获批更名为火炬西街营业所；塔水镇调元营业所获批更名为塔水镇调元干道营业所。
2024-07-22PSBC Xiamen Huli District Wanda Sub-branch and Siming District Jinbang Sub-branch were approved to terminate operations.邮储银行厦门湖里区万达支行、思明区金榜支行获批终止营业。
2024-07-22PSBC Chongqing Changshou District Huazhong Business Office and four other outlets were approved to change their names.邮储银行重庆长寿区华中营业所等5个营业机构获批更名。
2024-07-23PSBC Shanghai Putuo District Macau Road Sub-branch was approved to rename to PSBC Shanghai Putuo District Anyuan Road Sub-branch.邮储银行上海普陀区澳门路支行获批更名为安远路支行。
2024-07-23PSBC Kunming Shaba Business Office was approved to rename to PSBC Kunming Xingyu Road Business Office.邮储银行昆明市沙坝营业所获批更名为兴玉路营业所。
2024-07-26PSBC Datong Hui and Tu Autonomous County Ta'er Town Business Office received approval for establishment.邮储银行大通回族土族自治县塔尔镇营业所获批筹建。
2024-07-26PSBC Beijing Haidian District Linglong Road Sub-branch was approved to rename to PSBC Beijing Shijingshan District Jin'an Sub-branch.邮储银行北京海淀区玲珑路支行获批更名为石景山区金安支行。
2024-07-29PSBC Hangzhou Pingshui Road Sub-branch was approved to rename to PSBC Hangzhou Liangzhu Sub-branch.邮储银行杭州市萍水路支行获批更名为良渚支行。
2024-08-02PSBC Beijing Chaoyang District Shuiannan Street Business Office approved to rename to Beijing Chaoyang District Changhui Road Business Office.邮储银行北京朝阳区水岸南街营业所获批更名为北京朝阳区常惠路营业所。
2024-08-07PSBC Luzhou Zhongxing Street Business Office approved to rename to Luzhou Yunfeng Road Section 2 Business Office.邮储银行泸州市中兴街营业所获批更名为泸州市云峰路二段营业所。
2024-08-13PSBC Lushan County Longmen Town Business Office approved for establishment.邮储银行芦山县龙门镇营业所获批筹建。
2024-08-14PSBC Hunan Province Branch approved to establish PSBC Liling City Zuoquan Town Business Office.邮储银行湖南省分行获批筹建醴陵市左权镇营业所。
2024-08-20PSBC Yibin City Minjiang West Road Sub-branch approved for termination of business.邮储银行宜宾市岷江西路支行获批终止营业。
2024-08-23PSBC Beijing Haidian District Newspaper and Periodical Retail Distribution Branch Office approved for termination of business.邮储银行北京海淀区报刊发行零售分局营业所获批终止营业。
2024-08-24PSBC Beijing Fengtai District Dahongmen Business Office approved for termination of business.邮储银行北京丰台区大红门营业所获批终止营业。
2024-08-24PSBC Tianjin Heping District Xikang Road Sub-branch approved for opening.邮储银行天津和平区西康路支行获批开业。
2024-08-28PSBC Linshui County Tantong Town Jiufengsi Business Office and another agency approved for termination of business.邮储银行邻水县坛同镇九峰寺营业所等2个代理机构获批终止营业。
2024-09-19PSBC Hainan branch received approval to establish the Lingao County Meiliang sub-branch, with construction to be completed within 6 months.邮储银行海南省分行获批筹建临高县美良营业所，需在6个月内完成筹建。
2024-10-08PSBC Hebei Branch received approval to establish a new sub-branch, Baoding Qingyuan Donglv Sub-branch.邮储银行河北省分行获准筹建保定市清苑东闾营业所。
2024-10-10PSBC Chongqing Hechuan District Qujia Sub-branch was approved to be renamed to Chongqing Hechuan District Tianxing Sub-branch.邮储银行重庆合川区渠嘉营业所获准更名为重庆合川区天星营业所。
2024-10-10PSBC received approval to establish a new sub-branch, Chongqing Tongliang District Tonglong Road Sub-branch.邮储银行获准筹建重庆铜梁区铜龙路营业所。
2024-10-14PSBC Chongqing Tongliang District Quande Sub-branch was approved to be renamed to Chongqing Tongliang District Yandu Sub-branch.邮储银行重庆铜梁区全德营业所获准更名为重庆铜梁区晏渡营业所。
2024-10-17PSBC Shangrao Tangui Road Sub-branch was approved to be renamed to Shangrao Dongjie Sub-branch and relocated.邮储银行上饶市天桂路营业所获准更名为上饶市东街营业所并迁址。
2024-11-01PSBC's Jiangxi Fuliang County Dashikou Sub-branch was approved to rename to Fuliang County Nanyuan Plaza Sub-branch.江西监管局批复同意邮储银行浮梁县大石口支行更名为浮梁县南苑广场支行。
2024-11-04PSBC Yunnan Luoping County Wenbi Road Sub-branch was approved to rename to Luoping County Lubuge Avenue Sub-branch.云南监管局批复同意邮储银行罗平县文笔路支行更名为罗平县鲁布革大道支行。
2024-11-05PSBC Beijing Dongcheng District Qianmen Street Office was approved to rename to Dongcheng District Dongzhimen Office.北京监管局批复同意邮储银行北京东城区前门大街营业所更名为东城区东直门营业所。
2024-11-11PSBC was approved to establish a new office in Haidong City Gaomiao Town, Qinghai Province.邮储银行获批筹建海东市高庙镇营业所。
2024-11-12PSBC was approved to open a new office in Shenmu City Majiata, Shaanxi Province.陕西监管局批复同意邮储银行神木市麻家塔营业所开业。
2024-11-13PSBC Sichuan Suining City Longfeng Office was approved to rename to Suining City Jichang North Road Office.四川监管局批复同意邮储银行遂宁市龙凤营业所更名为遂宁市机场北路营业所。
2024-11-14PSBC Chongqing Wuxi County Nanzheng Street Office was approved to rename to Wuxi County Baiyang Office.重庆监管局批复同意邮储银行巫溪县南正街营业所更名为巫溪县柏杨营业所。
2024-11-15PSBC Aksu City Jiefang Road Sub-branch was approved to rename to Aksu City Wenhua Road Sub-branch.新疆监管局批复同意邮储银行阿克苏市解放路支行更名为阿克苏市文化路支行。
2024-11-20PSBC was approved to open a new office in Gaoxian Jiale Town, Yibin City, Sichuan Province.四川监管局批复同意邮储银行高县嘉乐镇营业所开业。
2024-12-05PSBC Anning Songhua Road Business Office was approved by Yunnan regulator to change its name to 'PSBC Anning Zhonghua Road Business Office'.云南监管局批复同意邮储银行安宁市嵩华路营业所更名为“邮储银行安宁市中华路营业所”。
2024-12-06PSBC Hangzhou Zhanqian Road Business Office was approved by Zhejiang regulator to change its name to 'PSBC Hangzhou Boxue Road Business Office'.浙江监管局批复同意邮储银行杭州市站前路营业所更名为“邮储银行杭州市博学路营业所”。
2024-12-18PSBC Yanshi branch was approved by Sichuan regulator to change its name from 'Nanchong Xinqiao Street Business Office' to 'Nanchong Qingsong Road Business Office'.四川监管局批复同意邮储银行南充市新桥街营业所更名为“南充市青松路营业所”。
2024-12-18PSBC Yanshi branch was approved by Jiangxi regulator to change its name from 'Wannian County Zhushan Sub-branch' to 'Wannian County Zhenzhucheng Sub-branch' and relocate.江西监管局批复同意邮储银行万年县珠山支行更名为“万年县珍珠城支行”并迁址。
2025-01-07PSBC Linghai Bayi Road Branch in Liaoning approved by NFRA to terminate operations.辽宁监管局批复同意邮储银行凌海市八一路支行终止营业。
2025-01-14PSBC Anshun Chunlei Sub-branch in Guizhou was renamed to Anshun Xixiu District Sub-branch, approved by NFRA Guizhou.贵州监管局批复同意邮储银行安顺市春雷支行更名为安顺市西秀区支行。
2025-01-15PSBC Chongqing Wanzhou Guoben Road Sub-branch approved by NFRA to terminate operations.重庆监管局批复同意邮储银行重庆万州区国本路支行终止营业。
2025-01-15PSBC Jingyuan Wuhe Town Sub-branch in Gansu approved by NFRA to open for business.甘肃监管局批复同意邮储银行靖远县五合镇营业所开业。
2025-01-16PSBC Zhejiang Branch approved by NFRA to prepare for the establishment of Jinyun Dongdu Town Sub-branch.浙江监管局批复同意筹建邮储银行缙云县东渡镇营业所。
2025-01-17PSBC Tianjin Xiqing Zunmei Street Sub-branch renamed to Tianjin Xiqing Innovation Road Sub-branch, approved by NFRA Tianjin.天津监管局批复同意邮储银行天津西青区尊美街支行更名为天津西青区创新道支行。
2025-03-03Postal Savings Bank Wujiaqu Qianjin West Street Sub-branch approved for closure by Xinjiang Regulatory Bureau, effective from February 26, 2025.新疆监管局批复同意邮储银行五家渠市前进西街支行终止营业，自2025年2月26日起生效。
2025-04-01PSBC Shanxi Regulatory Bureau approved the name change of Yuncheng Xueyuan Road sub-branch to Yuncheng Zhouxi Road sub-branch.山西监管局同意邮储银行运城市学苑路支行更名为运城市周西路支行。
2025-04-02PSBC Shanxi Regulatory Bureau approved the name change of Taiyuan Qianfengnan business office to Taiyuan Xinghua Street business office.山西监管局同意邮储银行太原市千峰南营业所更名为太原市兴华街营业所。
2025-04-03PSBC Tianjin Regulatory Bureau approved the name change of Tianjin Hexi District Taihu Road business office to Tianjin Hexi District Jintie Zeyuan business office.天津监管局同意邮储银行天津河西区太湖路营业所更名为天津河西区津铁泽苑营业所。
2025-04-09PSBC Chongqing Regulatory Bureau approved the name change of Chongqing Fuling district sub-branch to Chongqing Fuling Baiheliang sub-branch.重庆监管局同意邮储银行重庆涪陵区支行更名为重庆涪陵区白鹤梁支行。
2025-04-10PSBC Zhejiang Regulatory Bureau approved the name change of Zhoushan Wenhua Road business office to Zhoushan Zhongdajie business office.浙江监管局同意邮储银行舟山市文化路营业所更名为舟山市中大街营业所。
2025-04-14PSBC Jiangxi Regulatory Bureau approved name changes for three business offices: Ganzhou Zhufangxiang to Zhufangzhen, Xingguo Mofan Avenue to Hongmen Avenue, and Ningdu Zhuzuoxiang to Zhuzuozhen.江西监管局同意邮储银行赣州市朱坊乡营业所更名为朱坊镇营业所、兴国县模范大道营业所更名为红门大道营业所、宁都县竹笮乡营业所更名为竹笮镇营业所。
2025-04-15PSBC Hebei Regulatory Bureau approved the opening of Anping County Huangcheng business office in Hengshui.河北监管局同意邮储银行安平县黄城营业所开业。
2025-04-18PSBC Ningxia Regulatory Bureau approved the name change of Guyuan Jiulong Road business office to Guyuan Nancheng Road business office.宁夏监管局同意邮储银行固原市九龙路营业所更名为固原市南城路营业所。
2025-05-06PSBC's Huangdao District sub-branch in Qingdao was upgraded to Qingdao West Coast New Area sub-branch; Qi Xiaoli was approved as president, Xu Jing and Tan Zhendong as vice presidents.邮储银行青岛黄岛区支行升格为青岛西海岸新区分行，核准亓晓丽任行长，徐静、谭振东任副行长。
2025-06-03Approved by Shanxi regulator to rename Daixian Development Zone Business Office to 'Daixian Zhengning Road Business Office'.获山西监管局批复，同意代县开发区营业所更名为“代县正宁路营业所”。
2025-06-07Dongguan City Branch Private Banking Center opened, serving over 7.8 million customers with CNY 53.3 billion in medium-to-long-term loans and over CNY 25.5 billion in GBA project credit.东莞市分行私行中心开业，服务超780万客户，中长期贷款规模533亿元，大湾区重点项目授信超255亿元。
2025-06-10Approved opening of Chongqing Hechuan District Huatan Avenue Business Office by Chongqing regulator.重庆监管局同意重庆合川区花滩大道营业所开业。
2025-06-10Approved closure of Xiamen Siming District Guanyinshan Sub-branch by Xiamen regulator.厦门监管局同意厦门思明区观音山支行终止营业。
2025-07-01Postal Savings Bank of China (PSBC) Shenzhen Lianhua Sub-branch officially opened for business, serving residents and enterprises in Lianhua Street and surrounding areas.邮储银行深圳莲花支行正式开业，服务莲花街道及周边区域的居民和企业。
2025-07-02PSBC Hezhou City Branch held the opening ceremony for three national bond sales demonstration sites, aiming to improve service and coverage for government bond purchases.邮储银行贺州市分行举行三个国债销售示范点开业揭牌仪式，旨在提升国债购买服务与覆盖面。
2025-07-09The Xinjiang financial regulator approved the closure of PSBC Urumqi Changchun South Road Sub-branch.新疆金融监管局批复同意邮储银行乌鲁木齐市长春南路支行终止营业。
2025-07-14The Shandong financial regulator approved the closure of five PSBC agency outlets: Yanzhou North Station, Yanzhou Qianhai, Linqu Baisha, Linqu Yishan, and Weifang Zhangling.山东金融监管局批复同意邮储银行济宁市兖州北站营业所、兖州前海营业所、潍坊临朐县白沙营业所、临朐县沂山营业所、潍坊市丈岭营业所终止营业。
2025-07-30The Hebei financial regulator approved the筹建 of PSBC Wuji County Lichengdao Agency Outlet.河北金融监管局批复同意筹建邮储银行无极县里城道营业所。
2025-11-03PSBC Fuding sub-branch launched a 'White Tea Culture' themed sub-branch, integrating financial services with tea culture.邮储银行福鼎市支行打造“白茶文化”主题支行，推动金融服务与茶文化融合。
2025-11-11PSBC Lanxi branch and Lanxi Municipal Party Committee Veteran Cadres Bureau jointly launched the 'You'ai Silver Home' (邮爱银色家园) service platform for the elderly.邮储银行兰溪市支行与兰溪市委老干部局共同启用“邮爱银色家园”老年服务平台。
2025-11-25PSBC Fuzhou branch established a Private Banking Center, upgrading wealth management services for high-net-worth clients.邮储银行福州市分行设立私人银行中心，升级高净值客户财富服务。
2026-01-16PSBC Panzhou City sub-branch opened a new branch at Jiucheng Banshan Aolichi, marking an upgrade in its financial service network in Panzhou.邮储银行盘州市支行新网点在九城半山奥体城开业，标志着其在盘州市金融服务网络的优化升级。
2026-01-19PSBC's brand flagship store, Xiangtan City branch business department and wealth management center, officially opened after a major upgrade.邮储银行品牌旗舰店——湘潭市分行营业部暨财富管理中心重装升级后正式开业。
2026-05-12Dandong Xin'an Street sub-branch of Postal Savings Bank of China was approved by the NFRA Dandong Regulatory Office to terminate its business.邮储银行丹东市新安街支行获丹东金融监管分局批复同意终止营业。
2026-05-16Xiangcheng district sub-branch of Postal Savings Bank of China officially unveiled a 'Pension Finance Demonstration Outlet', featuring barrier-free facilities, senior-friendly smart devices, and anti-fraud education for the elderly.邮储银行芗城区支行'养老金融示范网点'正式揭牌，配备无障碍设施、大字版智能设备，并定期开展老年反诈宣传。
Technology & digital transformation科技与数字化转型
50 · 2024-01-04 → 2026-06-02
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PSBC launches new core systems, digital employees, mobile banking upgrades, and AI applications.邮储银行推出新核心系统、数字员工、手机银行升级及人工智能应用。
2024-01-04PSBC registered software copyright for 'PSBC Branch Centralized Authorization System V1.0'.邮储银行新注册《中国邮政储蓄银行网点集中授权系统V1.0》软件著作权。
2024-01-08PSBC registered software copyrights for 'PSBC Youni Tongying Software (IOS/Android) V1.0'.邮储银行新注册《邮你同赢软件（IOS版/Android版）V1.0》软件著作权。
2024-01-10PSBC announced a system upgrade on Jan 8 and Jan 10, 2024, from 2:00 to 4:00 AM, suspending acquiring transactions (including WeChat, Alipay, UnionPay QR).邮储银行公告将于1月8日、10日凌晨进行系统升级，期间收单交易暂停。
2024-01-16PSBC unveiled 7 digital employees: 3D virtual customer service 'You Xiaobei', cartoon digital officer 'You Xiaomeng', smart mascot 'Zhihui Xiaoyou', credit card recommender 'AIYO', and 2 2D real-person digital employees.邮储银行“数字员工家族”7位数字员工全部亮相，包括邮小贝、邮小萌、智慧小邮、AIYO等。
2024-01-19PSBC completed the Beta version of its HarmonyOS native application, becoming one of the first banks in the industry to do so.邮储银行完成鸿蒙原生应用Beta版本开发，为首批金融机构之一。
2024-01-27PSBC's new-generation corporate business core system was fully launched. It features 100% domestic hardware, OS, and database, and supports online migration without service interruption.邮储银行新一代公司业务核心系统全面投产上线，实现100%国产化部署，支持不停机在线迁移。
2024-01-31PSBC's 'Business-model-based Distributed Core System for Large Banks' project won first prize in the People's Bank of China's 2022 Financial Technology Development Awards, ranking first among 16 first prizes.邮储银行“基于业务建模的大型银行分布式核心系统建设项目”获中国人民银行2022年度金融科技发展奖一等奖，在16项一等奖中排名第一。
2024-02-07Postal Savings Bank of China's 'Large Bank Distributed Core System Construction Project Based on Business Modeling' won first prize in the 2022 Financial Science and Technology Development Awards, ranking first among 16 first-prize winners.邮储银行“基于业务建模的大型银行分布式核心系统建设项目”获得2022年度金融科技发展奖一等奖，在16个一等奖中排名第一。
2024-02-23Postal Savings Bank of China registered a new software copyright for the 'Cash and Important Items Physical Management System V1.0'.邮储银行新注册了《中国邮政储蓄银行现金及重要物品实物管理系统V1.0》项目的软件著作权。
2024-03-18PSBC's new-generation corporate business core system was fully launched, achieving independent controllability of key technologies and full localization of infrastructure.邮储银行新一代公司业务核心系统全面投产上线，实现关键技术自主可控和基础设施全面国产化。
2024-05-10PSBC launched the migrant worker wage supervision cloud service system, piloted in Xiamen branch, providing one-stop wage supervision and distribution services for enterprises.邮储银行开发上线农民工工资监管云服务系统，在厦门分行试点运行，为企业提供工资监管与代发一站式服务。
2024-05-26PSBC's new-generation credit card core system was officially launched in its third batch, following a phased implementation strategy.邮储银行新一代信用卡核心系统第三批次正式投产上线，采用分步实施策略。
2024-06-01Postal Savings Bank of China (PSBC) registered a new software copyright for 'Patrol System V1.0 based on IoT technology'.邮储银行新注册了《基于物联网技术的第三方巡更系统V1.0》项目的软件著作权。
2024-07-01Postal Savings Bank of China (PSBC) registered a software copyright for 'Credit Card Electronic Document System V1.0', with 18 new software copyrights registered so far this year, a decrease of 21.74% year-on-year.邮储银行新注册了《信用卡电子化进件系统V1.0》软件著作权，今年以来新注册软件著作权18个，同比减少21.74%。
2024-08-05PSBC and Zhipu AI jointly developed a generative AI application for suspicious transaction analysis reports, selected as a typical case at the 2024 Global Digital Economy Conference.邮储银行与智谱共同开发的基于生成式人工智能的可疑交易分析报告自动生成应用，入选2024年全球数字经济大会人工智能大模型场景应用典型案例。
2024-09-15PSBC officially launched 'You Xiaozhu', a money market trading robot based on the CFETS iDeal platform, using AI for intelligent repo rate inquiry and matching, improving trading efficiency and risk control.邮储银行正式推出货币市场交易机器人“邮小助”，基于中国外汇交易中心iDeal平台，利用人工智能实现质押式回购在线智能询价与匹配，提升交易质效。
2024-11-21PSBC's new-generation corporate business core system was fully launched, with overall system operation efficiency improved by more than 10 times. The project started in March 2022 and completed full customer migration by October 2024.邮储银行新一代公司业务核心系统全面上线，系统运行整体效率提升10倍以上，项目于2022年3月启动，2024年10月完成全量客户迁移。
2024-12-05PSBC's new-generation credit card core system was fully launched, built entirely on domestic servers, operating systems, and databases, featuring transaction-level accounts and scenario-based transaction authorization.邮储银行新一代信用卡核心系统全面投产上线，全面采用国产化服务器、操作系统和数据库，实现核心交易级账户和场景化交易授权。
2024-12-11PSBC held its Digital Finance Conference and Mobile Banking 10.0 launch, releasing four digital finance achievements: the 'Youzhi' large model, Mobile Banking 10.0, and enterprise architecture and data asset white papers.邮储银行召开数字金融大会暨手机银行10.0发布会，发布大模型“邮智”、手机银行10.0、企业架构白皮书、数据资产白皮书四项成果。
2024-12-20PSBC disclosed that it has developed an intelligent legal review tool using large model technology, reducing legal review time by over 50%.邮储银行透露利用大模型技术搭建智能法审辅助工具，使法律审查用时提速超50%。
2024-12-20GRG Banking won the bid for PSBC's general peripheral simulation system software development and integration procurement project, marking the first entry of its TrueBack intelligent terminal simulation platform into a major state-owned bank.广电运通中标邮储银行通用外设仿真系统软件开发采购项目，其TrueBack智能终端仿真平台首次进入国有大行。
2025-01-10PSBC Beijing Branch launched the first HarmonyOS-based ecological bank branch, co-developed with Huawei and Zhengton Electronics, featuring native HarmonyOS apps and open-source HarmonyOS devices.邮储银行北京分行亮相首家鸿蒙生态银行网点，由邮储银行与华为、证通电子合作打造，基于鸿蒙操作系统。
2025-01-22PSBC registered 12 new software copyrights, including systems for business recording, cash management, employee portal, personal pension, digital RMB hard wallet management, anti-money laundering, and HarmonyOS enterprise mobile banking.邮储银行新注册12个软件著作权，包括业务录音录像系统、现金管理业务系统、统一员工门户系统、个人养老金子系统、反洗钱模型验证及监测软件、企业手机银行（鸿蒙版）等。
2025-02-07Postal Savings Bank of China (PSBC) newly registered 13 software copyrights in February 2025, including mobile banking intelligent assistant, anti-money laundering system, and next-generation core system integration development software. Year-to-date new registrations increased 92.31% YoY.邮储银行2025年2月新注册13项软件著作权，包括手机银行智能助手、新一代反洗钱系统、新一代核心系统集成开发软件等。今年以来新注册数量同比增长92.31%。
2025-02-11PSBC integrated DeepSeek-V3 and DeepSeek-R1 reasoning models into its proprietary 'Youzhi' large model, enhancing multimodal processing, task handling, and computing efficiency.邮储银行将DeepSeek-V3和轻量DeepSeek-R1推理模型集成到自有大模型“邮智”中，增强了多模态处理、任务处理和算力节约能力。
2025-04-02PSBC Vice President and CIO Niu Xinzhuang stated that the bank completed the full-stack domestic cloud-native platform, upgraded the new-generation corporate banking core system and credit card core system, and launched the independently developed 'Youzhi' large model, supporting千亿-level parameter model training.邮储银行副行长兼首席信息官牛新庄表示，该行完成全栈国产化云原生平台建设，升级新一代公司业务核心系统和信用卡核心系统，并发布自主可控的“邮智”大模型，支持千亿级参数模型训练。
2025-05-08PSBC launched the industry's first AI trading robot for investment banking, 'You Xiaobao', on the China Foreign Exchange Trade System Ideal platform, improving bond inquiry and trading efficiency by 95%.邮储银行在中国外汇交易中心Ideal平台推出全市场首个投行业务AI交易机器人“邮小宝”，债券询价交易效率提升95%。
2025-06-01Launched 'You Xiaobao', the industry's first AI trading robot for investment banking scenarios, in partnership with China Foreign Exchange Trade System, for intelligent bond market trading.携手中国外汇交易中心推出业内首款应用于投行业务场景的AI交易机器人“邮小宝”，用于债券市场智能化交易。
2025-07-07PSBC's self-developed third-generation fund business core system was officially launched, featuring fully domestic hardware, OS, and database, with peak load capacity increased over 10 times and transaction approval time reduced by 97%.邮储银行自主研发的第三代资金业务核心系统正式投产上线，实现服务器、操作系统和数据库全面国产化，负载峰值提升超10倍，单笔交易审批用时减少97%。
2025-07-18PSBC launched a virtual banking hall VR service using PICO headsets in Chongqing, providing智能 navigation, digital guides, and real-time financial information in an immersive 3D environment.邮储银行在重庆推出基于PICO头显的虚拟营业厅VR端服务，提供智能导航、数字引导员和实时理财资讯。
2025-07-28PSBC's financial shared services (expense control) system was officially launched, featuring自主可控 technology, AI, and OCR for intelligent报销 processing and risk control.邮储银行财务共享（费控）系统正式投产上线，实现自主可控，应用AI和OCR技术进行智能报销和风控。
2025-08-05PSBC launched the 'Youyin Caiguan+' series of services for enterprise digital transformation, integrating treasury cloud, collection, payment, operation, and management tools.邮储银行发布“邮银财管+”系列服务，整合司库云、易企收、易企付、易企营、易企联、易企管等工具，助力企业数智转型。
2025-08-07PSBC registered a new software copyright for 'Financial Market Electronic Trading System (Interbank Market Trading & Intelligent Trading Robot) V3.0', bringing 2025 total to 26, up 30% YoY.邮储银行新注册《金融市场电子化交易系统（银行间市场交易及智能交易机器人）V3.0》软件著作权，2025年累计注册26个，同比增长30%。
2025-08-19PSBC's new-generation fund clearing system was fully launched, featuring unified internal account management, intelligent risk control, and a daily processing capacity exceeding 150 million transactions, with near 50x efficiency improvement.邮储银行新一代资金清算系统全面上线，实现统一内部账户管理、智能风控，日均处理能力突破1.5亿笔，效能提升近50倍。
2025-09-04PSBC registered 3 new software copyrights: Unified Employee Portal APP (iOS), Electronic Seal System V2.0, and Government Financial Cloud Platform (Smart Education) V1.0.邮储银行新注册3个软件著作权，包括统一员工门户APP（iOS版）、电子印章系统V2.0、政务金融云平台（智慧教育）V1.0。
2025-09-06PSBC registered a new software copyright for 'Zi You Shuo System V1.0'.邮储银行新注册《中国邮政储蓄银行自邮说系统V1.0》软件著作权。
2025-10-16PSBC registered new software copyrights for 'China Postal Savings Bank WeChat Banking System Software V1.0'. So far this year, PSBC has registered 48 software copyrights, an increase of 118.18% year-on-year.邮储银行新注册了《中国邮政储蓄银行微信银行系统软件V1.0》项目的软件著作权。今年以来新注册软件著作权48个，较去年同期增加118.18%。
2025-10-25PSBC registered two new software copyrights: 'China Postal Savings Bank New Generation Credit Card Core System V1.0' and 'China Postal Savings Bank Credit Card Core Data Migration System V1.0'. So far this year, PSBC has registered 50 software copyrights, an increase of 127.27% year-on-year.邮储银行新注册了《中国邮政储蓄银行新一代信用卡核心系统V1.0》和《中国邮政储蓄银行信用卡核心数据迁移系统V1.0》2个软件著作权。今年以来新注册50个，较去年同期增加127.27%。
2025-10-30PSBC launched an innovative product, the 'Investment Research AI Assistant', built on a 'data + knowledge' dual base, integrating SLM, MCP, and Multi-Agent technologies to cover four core scenarios: market research, credit bond research, risk research, and strategy research.邮储银行推出创新产品“投研AI助手”，以“数据+知识”双底座构建，融合SLM、MCP及MultiAgent技术，覆盖市场研究、信用债研究、风险研究、策略研究四大核心场景。
2025-11-03PSBC launched online U-Certificate (domestic letter of credit) version 3.0, improving client experience and efficiency.邮储银行发布线上U证（国内信用证）3.0版，提升客户端操作体验和服务效率。
2025-12-10PSBC held the 2025 Digital Finance Conference and launched Mobile Banking 11.0, unveiling the 'AI2ALL' digital ecosystem with nearly 260 planned AI application scenarios.邮储银行召开2025年数字金融大会暨手机银行11.0发布会，发布了“AI2ALL”数字生态，规划了近260项AI应用场景。
2025-12-12PSBC's Mobile Banking ranked first in user experience score for three consecutive years and second overall in the 2025 Digital Banking Report by CFCA.中金金融认证中心有限公司（CFCA）发布的《2025数字银行调查报告》显示，邮储银行手机银行用户体验得分连续三年位列行业第一名，综合评测总得分位列行业第二名。
2026-01-28PSBC's enterprise online banking 5.0 and enterprise mobile banking 4.0 were officially launched, following the bank ranking first in the overall score and user experience for two consecutive years in the 2025 Digital Bank Survey by CFCA.邮储银行企业网银5.0和企业手机银行4.0正式上线。此前，该行在CFCA《2025数字银行调查报告》中综合评测总得分位列行业第一，用户体验专项得分连续两年高居榜首。
2026-04-07PSBC and the open-source community openJiuwen jointly launched the financial 'PSBC-Claw' AI agent ecosystem, based on Huawei Cloud's open-source JiuwenClaw, applied in internal intelligence monitoring, risk warning, and technology insight scenarios.邮储银行与openJiuwen开源社区合作推出金融“龙虾PSBC-Claw”AI智能体生态体系，基于华为云开源JiuwenClaw深度定制开发，已应用于内部情报监测、风险预警、技术洞察等场景。
2026-04-10PSBC held the 'Post You Tong Ying' Smart Ecosystem launch conference in Xiong'an New Area. The platform has served over 2,500 interbank institutions with transaction volume exceeding RMB 10 trillion.邮储银行在雄安新区举办“邮你同赢”智慧生态发布会，该同业生态平台累计服务同业机构超2500家，交易规模突破10万亿元。
2026-04-14PSBC and Changguang Satellite Technology Co., Ltd. jointly developed the 'PSBC Bank No.1' remote sensing satellite, successfully launched via a Kinetica-1 rocket from the Jiuquan Satellite Launch Center. The satellite has a resolution of better than 0.5 meters and its data has been integrated into PSBC's 'Oasis' active risk control platform.邮储银行与长光卫星技术股份有限公司联合研制的“邮储银行号”遥感卫星在酒泉卫星发射中心成功发射，分辨率优于0.5米，卫星数据已接入邮储银行“绿洲”主动风险防控平台。
2026-04-15PSBC completed the large-scale deployment of the Ascend 384 supernode, building a thousand-card AI computing cluster based on Ascend NPU, supporting over 260 AI application scenarios across marketing, customer service, risk control, and office operations.邮储银行完成昇腾384超节点规模化部署，建成基于昇腾NPU的千卡人工智能算力集群，已开展260余项AI应用场景，赋能营销、对客、风控、办公等领域。
2026-05-13Postal Savings Bank of China's software R&D center won the 2026 'National May 1st Labor Award'; it developed the 'Youzhi' large model, built an integrated AI service system covering 330+ financial scenarios, and optimized the digital RMB core system.邮储银行软件研发中心荣获2026年'全国五一劳动奖状'；深耕'邮智'大模型，构建一体化AI服务体系覆盖330余项金融场景，优化数字人民币核心系统。
2026-05-15Postal Savings Bank of China deployed a large-scale AI computing cluster based on Huawei's Ascend 384 super nodes, becoming one of the first in the industry; it has launched 260+ AI application scenarios covering marketing, customer service, risk control, and office operations.邮储银行在同业中率先完成基于华为昇腾384超节点规模化部署，已开展260余项AI应用场景，覆盖营销、对客、风控、办公等领域。
2026-06-02Launched a self-developed smart campus system in Zhijin County, enabling online management of fee payment, notifications, attendance, and grade publishing, serving over 6,000 teachers, students, and parents.在织金县上线自主研发的智慧校园系统，实现缴费、通知、考勤、成绩发布等业务全流程线上化，已服务超6000名师生及家长。
Strategic partnerships & agreements战略合作与协议
101 · 2024-01-04 → 2026-06-15
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PSBC signs strategic agreements with government bodies, enterprises, and industry associations.邮储银行与政府部门、企业及行业协会签署战略合作协议。
2024-01-04PSBC Huludao Branch signed a strategic cooperation agreement with Huludao Meteorological Bureau on meteorological disaster prevention and financial support for agriculture.邮储银行葫芦岛分行与市气象局签署战略合作协议，合作气象防灾减灾和金融支撑。
2024-01-15PSBC Yulin Branch and Yulin Public Security Traffic Police Brigade jointly launched a 'Motor Vehicle Registration Service Station' at the bank.邮储银行玉林市分行与玉林市公安局交警支队联合成立“机动车登记服务站”。
2024-02-18Postal Savings Bank of China Yulin Branch signed a strategic cooperation agreement with Yulin Guinan Hospital to launch a medical insurance mobile payment project.邮储银行玉林市分行与玉林市桂南医院签署战略合作协议，启动医保移动支付项目。
2024-02-21The Hanzhong Intermediate People's Court authorized the establishment of the first 'Financial Trial and Enforcement Work Liaison Office' within the Postal Savings Bank of China system at the Hanzhong Branch.汉中市中级人民法院授权在邮储银行汉中市分行成立邮储银行系统内全省首家“金融审判执行工作联络室”。
2024-03-11PSBC Zhanjiang Branch signed a strategic cooperation agreement with China Mobile Zhanjiang Branch to jointly promote 'Technology + Finance' and 'Communications + Finance' integration.邮储银行湛江市分行与中国移动湛江分公司签署战略合作协议，共同促进“科技+金融”和“通信+金融”融合。
2024-03-11PSBC signed a strategic cooperation agreement with Bank of Tianjin to deepen cooperation in financial markets, asset management, and custody businesses.邮储银行与天津银行签署战略合作协议，深化在金融市场、资产管理、托管业务等领域的合作。
2024-03-12PSBC Yulin Branch signed a strategic cooperation agreement with Yulin Supply and Marketing Cooperative to jointly promote rural revitalization through 'Bank + Supply and Marketing Cooperative' service model.邮储银行榆林市分行与榆林市供销合作社签署战略合作协议，通过“银行+供销社”服务模式共同推进乡村振兴。
2024-03-12PSBC Lanzhou Chengguan District Branch signed an agreement with the District Government Service Administration to deploy 'Government Service All-in-One Machines' in bank outlets, enabling 'dual hall integration' for convenient services.邮储银行兰州市城关区支行与区政务服务管理局签署协议，在营业网点投放“政务服务一体机”，实现“双厅融合”便民服务。
2024-03-14PSBC Yulin Branch jointly established a 'Motor Vehicle Registration Service Station' with the Yulin Public Security Bureau Traffic Police Detachment, the second such station at a financial institution in the city.邮储银行玉林市分行与玉林市公安局交警支队联合设立“机动车登记服务站”，为玉林市第二个在金融机构成立的此类站点。
2024-03-18PSBC Zhenjiang Branch signed a government-bank strategic cooperation agreement with Zhenjiang Economic and Technological Development Zone Management Committee, promising financing support for major projects over the next three years.邮储银行镇江市分行与镇江经济技术开发区管委会签订政银协同战略合作协议，承诺未来三年提供融资支持。
2024-04-02PSBC Ningde branch signed a strategic cooperation agreement with the Xiapu County Sea Cucumber Association, planning to provide 7.21 billion yuan in loans for the sea cucumber industry in 2024.邮储银行宁德市分行与霞浦县海参协会签订战略合作协议，2024年计划针对海参产业投放贷款72.1亿元。
2024-04-02PSBC Wuping county branch signed a strategic agreement with the Wuping County Individual Private Enterprise Association, reaching a pre-credit意向 of 500 million yuan for about 130 member enterprises.邮储银行武平县支行与武平县个体私营企业协会签署战略协议，针对约130家会员企业达成5亿元贷款预授信意向。
2024-04-09PSBC Nanjing branch signed a strategic cooperation agreement with the Pukou Economic Development Zone to provide financial support for industrial projects and infrastructure construction.邮储银行南京市分行与浦口经济开发区签署战略合作协议，为园区优势产业和基础设施项目提供金融支持。
2024-04-29PSBC Zhangping branch signed a strategic agreement with the Zhangping Construction Enterprise Association, reaching a 100 million yuan loan pre-credit意向 for 23 member enterprises.邮储银行漳平市支行与漳平市建筑企业协会签署战略协议，针对23家会员企业达成1亿元贷款预授信意向。
2024-05-13PSBC signed a cooperation agreement with Shenzhen Niannianka Network Technology Co., Ltd. (Yinsheng Shuhui subsidiary) for digital marketing services.邮储银行与深圳市年年卡网络科技有限公司（银盛数惠子公司）订立合作协议，提供数字营销服务。
2024-05-29PSBC signed a strategic cooperation agreement with Beijing Zhipu Huazhang Technology Co., Ltd. (Zhipu AI) to jointly develop financial large model technology and establish a joint innovation lab.邮储银行与北京智谱华章科技有限公司（智谱AI）签署战略合作协议，联合攻关金融大模型技术，组建联合创新实验室。
2024-06-05PSBC signed a strategic cooperation agreement with Fangchenggang Sichuan-Chongqing Chamber of Commerce to provide financial services to member enterprises.邮储银行防城港市分行与防城港市川渝商会签署战略合作协议。
2024-06-06PSBC signed a strategic cooperation agreement with Yantai China Unicom for party building and business cooperation, aiming to integrate finance and digital technology.烟台联通与邮储银行烟台市分行签署党建共建暨战略合作协议。
2024-06-09PSBC Chaozhou Branch signed a strategic cooperation agreement with the Chaozhou Tourism Industry Association, granting an意向 credit line of 1 billion yuan to support the local tourism industry.邮储银行潮州市分行与潮州市旅游行业协会签署战略合作协议，意向授信10亿元。
2024-06-11PSBC Nan'an Branch signed a cooperation agreement with the Fujian Emergency Equipment Chamber of Commerce and granted a pre-credit line of 1 billion yuan to the chamber.邮储银行南安市支行与福建省应急设备商会签订合作协议，并为该协会预授信10亿元。
2024-06-11PSBC Yongchun County Branch signed a strategic cooperation agreement with the Yongchun County Women Entrepreneurs Association, granting a pre-credit line of 500 million yuan.邮储银行永春县支行与永春县女企业家协会签订战略合作协议，预授信5亿元。
2024-06-18PSBC Shaowu City Branch signed a strategic cooperation agreement with the Zhejiang Chamber of Commerce, offering意向 financial credit support of up to 3 billion yuan to chamber members.邮储银行邵武市支行与浙江商会签订战略合作协议，提供高达30亿元的意向金融信贷支持。
2024-06-20PSBC held the 'You Ni Tong Ying' interbank cooperation development forum and released the 'You Ying Dong Jian' industry report in Suzhou, attended by President Liu Jianjun.邮储银行在苏州举办“邮你同赢”同业合作发展论坛暨《邮赢洞见》行业报告发布会，行长刘建军出席。
2024-06-21PSBC Hainan Branch signed a strategic cooperation agreement with China Mobile Hainan Company to cooperate in rural revitalization, supply chain finance, and other areas.邮储银行海南省分行与中国移动海南公司签约，将在乡村振兴、供应链金融等领域开展合作。
2024-06-24PSBC Anshun Branch signed a strategic cooperation agreement with Zhenning County government and Anshun Post to boost the 'Zhenning Fengtangli' (honey plum) industry.邮储银行安顺市分行与镇宁县政府、安顺市邮政分公司签订战略协议，助力镇宁蜂糖李产业发展。
2024-07-03PSBC signed a strategic cooperation agreement with the Ministry of Industry and Information Technology's Torch Center to jointly launch the 'Torch Navigation, Post and Enterprise Co-progress' series of activities, aiming to empower high-quality development of science and technology industrial parks. PSBC's sci-tech finance loan balance exceeded 400 billion yuan, a year-on-year increase of over 40%.邮储银行与工信部火炬中心签署战略合作协议，联合开展“火炬引航 邮企共进”系列活动，赋能科技产业园区。邮储银行科技金融贷款结余突破4000亿元，同比增幅超40%。
2024-07-04PSBC Anshun Branch signed a strategic cooperation agreement with Zhenning County government and Anshun Post to jointly boost the 'Zhenning Fengtangli' (honey plum) industry through a 'sales + delivery + finance' integrated model.邮储银行安顺市分行与镇宁县政府、安顺市邮政分公司签订战略协议，通过“销售+寄递+金融”融合模式助力镇宁蜂糖李产业。
2024-07-18PSBC signed a business cooperation agreement with Zhongyuan Sci-Tech Guarantee Company and Zhongyuan Hebi Guarantee Company, leveraging a big data risk control cloud platform to implement a new 'bank-guarantee cooperation' batch guarantee model.邮储银行与中原科技担保公司、中原鹤壁担保公司签署业务合作协议，借助大数据风控云平台落地银担合作新模式。
2024-07-25PSBC Ningbo Branch signed a strategic cooperation agreement with China Mobile Ningbo Branch to jointly explore 5G+ smart finance, smart outlets, and AI computing network innovation.邮储银行宁波分行与中国移动宁波分公司签署战略合作协议，共同探索5G+智慧金融、智慧网点及人工智能算力网络创新。
2024-08-01PSBC Yongchun County Sub-branch signed a strategic cooperation agreement with Yongchun County Individual Business Association, granting a pre-approved credit line of 500 million yuan.邮储银行永春县支行与永春县个体经营企业协会签订战略合作协议，预授信5亿元。
2024-08-01PSBC Nan'an City Sub-branch signed a strategic cooperation agreement with Nan'an City Taiwan Compatriots Association, granting a comprehensive pre-approved credit line of 3 billion yuan.邮储银行南安市支行与南安市台属台胞联谊会签订战略合作协议，综合预授信30亿元。
2024-08-16PSBC Pujiang County Sub-branch signed a 'Strategic Cooperation Agreement for Rural Revitalization' with Baima Town Government, granting a special credit line of 500 million yuan.邮储银行浦江县支行与白马镇政府签署《助力乡村振兴战略合作协议》，授信5亿元。
2024-08-16PSBC Lushan County Sub-branch signed a strategic cooperation agreement with Lushan County Hanjia Industrial Co., Ltd. for comprehensive cooperation.邮储银行芦山县支行与芦山县汉嘉实业有限公司签订战略合作协议。
2024-08-17PSBC Sichuan Branch, Zhongtai Securities, and Guang'an Investment Group signed a strategic cooperation agreement for financial services and investment.邮储银行四川省分行、中邮证券与广安投资集团签订战略合作协议。
2024-08-21PSBC Luoyang City Branch signed a batch guarantee business agreement with Yichuan County Jincai Financing Guarantee Co., Ltd.邮储银行洛阳市分行与伊川县金财融资担保有限公司签约批量担保业务。
2024-09-03Shanghai Clearing House Chairman Ma Jianyang visited PSBC and met with President Liu Jianjun. Both sides agreed to deepen cooperation in RMB FX central counterparty clearing, bonds, and commodity clearing services.上海清算所董事长马贱阳带队拜访邮储银行，与行长刘建军座谈，双方同意深化在人民币外汇中央对手清算、债券、大宗商品清算通等业务领域的合作。
2024-09-04Nanyang Investment Group signed a strategic cooperation agreement with PSBC Henan branch, with PSBC providing no less than 20 billion yuan in financing credit support.南阳投资集团与邮储银行河南省分行签署战略合作协议，邮储银行将提供不低于200亿元的融资授信支持。
2024-09-11PSBC Wuhan branch signed a strategic cooperation agreement with Hubei Lingchuang Beidou Industrial Research Institute at the 24th China International Electromechanical Products Expo, setting up special loan funds for tech enterprises in the Beidou and low-altitude economy sectors.邮储银行武汉市分行在第24届中国国际机电产品博览会上与湖北领创北斗产业发展研究院签订战略合作协议，设立专项贷款资金支持北斗与低空经济领域科技企业。
2024-09-14PSBC Longchuan branch signed a 'whole-town credit授信' agreement with Longmu Town, committing to provide 100 million yuan annually and a total of 500 million yuan in credit over five years to support rural revitalization.邮储银行龙川县支行与龙母镇签署“整镇授信”协议，每年提供1亿元、总授信5亿元支持乡村振兴。
2024-09-14PSBC Ningde branch signed a strategic cooperation agreement with Zhongnongpi Yuncang Technology Co. for the Fuding white tea industry chain finance, focusing on tea warehouse receipt pledge loans to solve financing difficulties for enterprises and individuals lacking collateral.邮储银行宁德市分行与中农批云仓科技签署福鼎白茶产业链金融战略合作协议，重点开展白茶仓单质押贷款。
2024-09-14PSBC Fuzhou branch signed a party-building co-construction agreement with Fuzhou Liancheng Chamber of Commerce and granted a pre-credit line of 3 billion yuan to the chamber to support private enterprise development.邮储银行福州市分行与福州市连城商会签订党建共建协议，对商会预授信30亿元，支持民营企业发展。
2024-10-08PSBC Bazhong City Branch signed a strategic cooperation agreement with Sichuan Hongyuan Changqing Public Utility Group for a water supply renovation project, approving a credit facility of RMB 310 million.邮储银行巴中市分行与四川泓源常青公用事业集团有限公司签署战略合作协议，为供水设施改（扩）建项目获批债项授信3.1亿元。
2024-10-10PSBC Wuhan Branch, as the sole invited bank and a key co-organizer of the 24th China International Mechanical & Electrical Products Expo, signed a strategic agreement with Hubei Lingchuang Beidou Industry Development Research Institute. The branch added RMB 1.002 billion in new loans to tech enterprises.邮储银行武汉市分行作为唯一受邀银行及主要协办方参加第24届中国国际机电产品博览会，与湖北领创北斗产业发展研究院有限公司签订战略合作协议，新增科技型企业贷款10.02亿元。
2024-10-18PSBC Changting County Branch signed a tripartite strategic cooperation agreement with Changting Supply and Marketing Agricultural Service Company and Longyan Longsheng Financing Guarantee Company to support agricultural development.邮储银行长汀县支行与长汀供销农业服务公司、龙岩市龙盛融资担保公司签订三方战略合作协议，助力涉农产业发展。
2024-11-22PSBC Hainan Branch signed a strategic cooperation agreement with the Hainan Provincial Department of Agriculture and Rural Affairs to support rural revitalization and Hainan Free Trade Port construction.邮储银行海南省分行与海南省农业农村厅签署战略合作协议，支持海南自贸港建设和乡村全面振兴。
2024-11-22PSBC Guangdong Branch signed a strategic cooperation agreement with the Guangdong Federation of Industry and Commerce to support private enterprises.邮储银行广东省分行与广东省工商业联合会签署战略合作协议，支持民营企业发展。
2024-12-04PSBC Chongqing branch signed a strategic cooperation agreement with China Mobile Chongqing Company and Chongqing Post, focusing on 5G+ smart postal services, smart logistics, and digital finance.邮储银行重庆分行与重庆移动、重庆邮政签署战略合作协议，聚焦5G+智慧邮政、智慧物流、数字金融等领域合作。
2024-12-06PSBC Lintao county sub-branch signed a 'government-bank cooperation' agreement with the Lintao County Market Supervision Administration to provide free one-stop services for enterprise registration and account opening.邮储银行临洮县支行与临洮县市场监督管理局签署“政银合作”协议，提供企业注册一网通办及开户一站式服务。
2024-12-10PSBC Ningbo branch signed a strategic cooperation agreement with Haishu District Government to deepen comprehensive cooperation in key industries, major projects, and financial services.邮储银行宁波分行与海曙区政府签署战略合作协议，深化重点产业、重大项目、金融服务等领域合作。
2024-12-18PSBC Gansu branch and Gansu Provincial Agricultural Financing Guarantee Co., Ltd. held a meeting to comprehensively deepen business cooperation, aiming to increase agricultural guarantee business scale in 2025.邮储银行甘肃省分行与甘肃省农业融资担保有限责任公司召开全面深化业务合作启动会，争取明年农担业务规模再上台阶。
2024-12-20PSBC and Meituan Enterprise Edition signed a strategic cooperation agreement to jointly develop comprehensive financial products for enterprise consumption scenarios, targeting SME employee benefits and expense management.邮储银行与美团企业版签署战略合作协议，共同打造企业消费场景综合金融产品，拓展中小微企业消费市场。
2025-01-08PSBC Tianjin Branch signed a strategic cooperation agreement with Tianjin Food Group, covering emergency supply, sales channels, finance, logistics, and branding; existing credit support exceeded RMB 1.9 billion.邮储银行天津分行与天津食品集团签署三方战略合作协议，涉及联合应急保供、销售渠道、金融、寄递等领域，已提供资金支持超19亿元。
2025-01-08PSBC Ningde Dongqiao Sub-branch signed a strategic cooperation agreement with Jiaocheng Xiapu Chamber of Commerce, granting a pre-approved credit line of RMB 1 billion to the chamber.邮储银行宁德东侨支行与宁德市蕉城区霞浦商会签订战略合作协议，给予商会预授信10亿元。
2025-01-08PSBC Jiaocheng Sub-branch signed a RMB 600 million credit agreement with Ningde Women Entrepreneurs Chamber.邮储银行蕉城区支行与宁德女企业家商会签署6亿元授信协议。
2025-01-09PSBC Gansu Branch signed a strategic cooperation agreement with Gansu Science and Technology Investment Group to provide comprehensive financial services for sci-tech enterprises, research platforms, and major projects.邮储银行甘肃省分行与甘肃科技投资集团签署战略合作协议，为科技型企业、科研平台和重大科研项目提供综合性金融服务。
2025-01-15PSBC Yangjiang Branch signed a strategic cooperation agreement with Yangjiang Federation of Industry and Commerce, planning to invest over RMB 20 billion in private enterprises, SMEs, and sci-tech firms over five years.邮储银行阳江市分行与阳江市工商联签订战略合作协议，未来五年拟在民营企业、中小企业及科技型企业等领域累计投放超200亿元。
2025-02-11PSBC Tianjin branch signed a three-party strategic cooperation agreement with Tianjin Postal Group and Tianjin Food Group, covering emergency supply, sales channels, finance, logistics, and brand promotion. PSBC has provided over 1.9 billion yuan in funding to Tianjin Food Group.邮储银行天津分行与邮政集团天津市分公司、天津食品集团签署三方战略合作协议，在应急保供、销售渠道、金融、寄递等方面合作。邮储银行已向天津食品集团提供超19亿元资金支持。
2025-03-04Postal Savings Bank and DBS Bank renewed their strategic cooperation agreement, deepening collaboration in wealth management, cross-border finance, and financial markets for another term.邮储银行与星展银行续签战略合作协议，在财富管理、跨境金融、金融市场等领域深化合作。
2025-03-05Postal Savings Bank Kaifeng Branch signed a strategic cooperation agreement with the Municipal Industry and Information Technology Bureau, and signed with 6 outstanding enterprises for a total credit of 87 million yuan at a special new enterprise matchmaking meeting.邮储银行开封市分行与市工信局签订战略合作协议，并在专精特新企业对接会上与6家优秀企业现场签约授信8700万元。
2025-03-06Postal Savings Bank signed a strategic cooperation agreement with the All-China Federation of Industry and Commerce to launch the 'Five-Force Empowerment' special action supporting high-quality development of private enterprises.邮储银行与中华全国工商业联合会签署战略合作协议，开展“五力赋能”专项行动支持民营企业高质量发展。
2025-03-10Postal Savings Bank and the Ministry of Industry and Information Technology Torch Center jointly launched the 'Torch Pilot, Post and Enterprise Co-Progress' special action to support high-quality development of national high-tech zones and tech enterprises.邮储银行与工业和信息化部火炬中心联合启动“火炬引航 邮企共进”专项行动，支持国家高新区和科技型企业高质量发展。
2025-03-13Postal Savings Bank Zhaoan County Branch signed a cooperation memorandum with the Zhao'an Xiuzhou Hakka Association, with an intended credit amount of 50 million yuan to support local economic development and rural revitalization.邮储银行诏安县支行与诏安秀篆客家联谊会签署合作备忘录，意向授信金额达5000万元，支持地方经济发展和乡村振兴。
2025-04-03PSBC Rui'an branch signed a strategic cooperation agreement with Rui'an Guokai Holdings Co., Ltd., the first AAA-rated platform in Wenzhou county area, with累计授信 over RMB 5 billion for state-owned enterprises.邮储银行瑞安市支行与瑞安市国开控股有限公司（温州县域首家AAA级平台）签订战略合作协议，已为瑞安国企累计授信超50亿元。
2025-04-08PSBC Guangdong branch signed a strategic cooperation framework agreement with Zhanjiang municipal government, pledging to provide no less than RMB 150 billion in意向性投融资 support to Zhanjiang over the next 3 years.邮储银行广东省分行与湛江市政府签订战略合作框架协议，未来3年向湛江提供不低于等值1500亿元的意向性投融资支持。
2025-04-11PSBC Gansu branch signed a strategic cooperation framework agreement with Gansu Provincial Department of Industry and Information Technology to support private and SME development.邮储银行甘肃省分行与甘肃省工信厅签订战略合作框架协议，支持民营企业和中小企业发展。
2025-05-08PSBC Hebei branch signed a strategic cooperation agreement with Qianyi Hesheng (Beijing) Technology to jointly build a 'digital + inclusive' new paradigm for the egg industry, using digital yuan for innovative scenarios.邮储银行河北省分行与千一禾盛（北京）科技签署战略合作协议，共同打造禽蛋产业“数智+普惠”新范式，探索数字人民币创新应用。
2025-06-05Pingjiang County Branch signed strategic agreements with local government and 7 enterprises, with on-site total contract value of CNY 1.6 billion.平江县支行与地方政府及七家企业签署战略合作协议，现场签约总金额达16亿元。
2025-06-10Signed strategic cooperation agreement with Sichuan Liquan Group, providing CNY 3 billion in financial credit support.与川酒集团签署战略合作协议，提供30亿元金融授信支持。
2025-06-12Signed strategic cooperation agreement with Tianjin Dongli District Government to deepen cooperation in industrial upgrading, rural revitalization, and livelihood security.与天津市东丽区政府签署战略合作协议，在产业升级、乡村振兴、民生保障等领域深化合作。
2025-06-13Tianjin Wuxing Sub-branch granted a total of CNY 62 million in comprehensive credit lines to 4 high-quality enterprises, supporting manufacturing and tech innovation.武清支行对4家优质企业授予总计6200万元综合授信额度，重点支持制造业、科技创新等领域。
2025-07-08PSBC signed a strategic cooperation agreement with New China Life Insurance Co., Ltd. in Beijing, covering银保代理, fund settlement, interbank finance, investment, custody, and investment banking.邮储银行与新华人寿保险股份有限公司在北京签署战略合作协议，合作涵盖银保代理、资金结算、同业金融、投资理财、托管服务、投资银行等领域。
2025-07-25PSBC Hebei Xiong'an Branch signed a strategic cooperation agreement with Jinmao Xiong'an Company to serve the Xiong'an New Area national strategy.邮储银行河北雄安分行与中国金茂雄安公司签署战略合作协议，服务雄安新区国家战略。
2025-07-30PSBC Yueyang City Branch signed a strategic cooperation agreement with Yueyang Green Chemical Industrial High-tech Zone and signed cooperation agreements with 6 enterprises, with total on-site签约 amount reaching 2.157 billion yuan.邮储银行岳阳市分行与岳阳绿色化工高新区签署战略合作协议，并与6家企业签署合作协议，现场签约总金额达21.57亿元。
2025-07-31PSBC Yancheng Branch signed a strategic cooperation agreement with Xiangshui County Government and Yancheng Postal Branch to jointly promote postal services for local economic development.邮储银行盐城分行与响水县人民政府、盐城市邮政分公司签订战略合作协议，共同推进邮政服务地方经济发展。
2025-08-09PSBC Dongshan County branch signed a strategic cooperation agreement with the Dongshan County New Social Stratum Association, providing 500 million yuan in credit support for key projects.邮储银行东山县支行与东山县新的社会阶层人士联谊会签署战略合作协议，提供5亿元授信支持。
2025-08-11PSBC Yulin branch signed a strategic cooperation framework agreement and a pilot expansion agreement with Yulin Housing Provident Fund Management Center for flexible employment personnel to participate in the housing provident fund system.邮储银行玉林市分行与玉林市住房公积金管理中心签订战略合作框架协议及灵活就业人员参加住房公积金制度全国试点扩面工作合作协议。
2025-08-14PSBC Inner Mongolia branch signed a strategic cooperation agreement with Inner Mongolia Transportation Investment Group to provide comprehensive financial services including project financing, settlement, and supply chain finance.邮储银行内蒙古分行与内蒙古交通投资集团签署战略合作协议，提供项目融资、资金结算、供应链金融等全方位金融服务。
2025-08-14PSBC Jinhua branch signed a strategic cooperation agreement with Lanxi City government, committing no less than 10 billion yuan in special credit lines for state-owned enterprises and SMEs over the next three years.邮储银行金华市分行与兰溪市人民政府签署战略合作协议，未来三年为兰溪市国企及小微企业安排不低于100亿元意向性专项授信。
2025-08-15PSBC Liaocheng branch signed a strategic cooperation agreement with Gaotang County to support the 'Industry Strong Town' initiative and rural revitalization.邮储银行聊城市分行与高唐县签署金融助力乡村振兴战略合作协议，支持“产业强镇”建设。
2025-08-20PSBC Hengshui branch signed a strategic cooperation agreement with the Hengshui Federation of Industry and Commerce to launch the 'Cluster Finance into Ten Thousand Enterprises' initiative, aiming to solve private enterprise financing difficulties.邮储银行衡水市分行与衡水市工商联签署战略合作协议，启动“集群金融进万企”活动，破解民营企业融资难题。
2025-09-10PSBC Putian branch and Putian Human Resources and Social Security Bureau launched a 'nearby service' social security service point at bank outlets.邮储银行莆田市分行与莆田市人力资源和社会保障局共同举办社保服务“就近办”揭牌仪式。
2025-10-17PSBC Shangrao City branch signed a strategic cooperation agreement with Shangrao area Rural Commercial Bank. Both parties will cooperate in inclusive finance, rural revitalization, industrial chain finance, and technology finance.邮储银行上饶市分行与上饶辖区农商银行签署战略合作协议，双方将在普惠金融、乡村振兴、产业链金融、科技金融等领域开展深度合作。
2025-10-20PSBC Putian City branch, together with the Putian Municipal Bureau of Human Resources and Social Security, launched the 'Social Security Services Nearby' initiative, setting up service points at bank branches to allow citizens to handle social security services conveniently.邮储银行莆田市分行与莆田市人力资源和社会保障局共同举办“社保服务就近办”揭牌仪式，将社保服务延伸至银行网点，方便市民办理。
2025-10-23PSBC signed a strategic cooperation agreement with the Shanghai Gold Exchange (SGE) in Beijing to deepen cooperation in the on-exchange and off-exchange gold markets, aiming to strengthen comprehensive financial services for the real economy.邮储银行与上海黄金交易所在北京签署战略合作协议，双方将在场内外黄金市场展开深度合作，以强化对实体经济的综合金融服务。
2025-10-23PSBC Xiangtan City branch signed a comprehensive strategic cooperation agreement with China Telecom Xiangtan Branch, aiming to leverage 5G-A, Tianyi Cloud, quantum communication and digital RMB, intelligent risk control for mutual benefit.邮储银行湘潭市分行与中国电信湘潭分公司签署全面战略合作协议，双方将利用5G-A、天翼云、量子通信与数字人民币、智能风控等优势互补。
2025-10-24PSBC Guangdong Yangjiang branch signed a strategic cooperation agreement with the Yangjiang Municipal Government to deepen cooperation in areas such as urban-rural coordinated development, rural revitalization, green ecology, industrial development, inclusive finance, and foreign trade.邮储银行广东省分行与阳江市政府签署战略合作协议，双方将在促进城乡区域协调发展、乡村振兴、绿美生态建设、工业高质量发展、普惠金融、外贸等领域加强合作。
2025-11-04PSBC Chengdu branch signed an agricultural transition finance cooperation agreement with a provincial leading agricultural enterprise, providing a special transition loan of RMB 12 million.邮储银行成都市分行与省级农业产业化龙头企业签署农业转型金融合作协议，提供1200万元专项转型贷款。
2025-11-04Hebei Provincial Department of Science and Technology and PSBC Hebei branch jointly issued a three-year action plan (2025-2027) for technology credit supporting county-level characteristic industries.河北省科技厅与邮储银行河北省分行联合印发《科技信贷支撑县域特色产业高质量发展三年行动方案（2025—2027年）》。
2025-11-06PSBC Suqian branch signed a strategic cooperation agreement with Suqian Transportation Bureau to support transportation infrastructure construction, releasing the 'Good Luck Jiangsu' series of financial products.邮储银行宿迁市分行与宿迁市交通运输局签署战略合作协议，发布“好运江苏”系列金融产品。
2025-11-06PSBC Weinan branch signed a 'no principal repayment for loan renewal' service agreement with Weinan Real Estate Registration Center to facilitate corporate financing.邮储银行渭南市分行与渭南市不动产登记中心签署“无还本续贷”便民利企服务协议。
2025-11-10PSBC Xingyi branch signed a strategic cooperation agreement with the Yunnan Chamber of Commerce in Southwest Guizhou, providing a comprehensive credit support of RMB 500 million to member enterprises.邮储银行兴义市支行与黔西南州云南商会签署战略合作协议，为会员企业提供总额5亿元综合授信支持。
2025-11-19PSBC signed a comprehensive strategic cooperation agreement with China Central Depository & Clearing Co. (CCDC) to deepen collaboration in bonds, collateral, valuation, and financial assets.邮储银行与中央国债登记结算有限责任公司（中央结算公司）签署全面战略合作协议。
2025-12-05PSBC Dongxihu Sub-branch in Wuhan reached a strategic cooperation with the Wuhan Agricultural E-commerce Association, planning to provide RMB 500 million in credit to association members over the next 5 years.邮储银行武汉市东西湖区支行与武汉市农业电子商务协会达成战略合作，未来5年拟向协会会员单位投放5亿元信贷。
2025-12-10PSBC Guigang Branch signed a tripartite strategic cooperation agreement with China Post Guigang Branch and Sinopec Guigang Petroleum Branch.邮储银行贵港市分行与中国邮政贵港市分公司、中国石化贵港石油分公司签署三方战略合作协议。
2025-12-16PSBC Yulin Branch signed a strategic cooperation agreement with the Yulin Municipal Grain and Material Reserve Bureau to support the local grain industry.邮储银行玉林市分行与玉林市粮食和物资储备局签署战略合作协议，以金融力量助力玉林粮食产业发展。
2026-01-15PSBC Yueyanglou District sub-branch signed a strategic cooperation agreement with Yueyang Shaoyang Chamber of Commerce to provide comprehensive financial support to member enterprises.邮储银行岳阳楼区支行与岳阳市邵阳商会签署战略合作协议，为会员企业提供全面金融支持。
2026-03-12PSBC Fuzhou Branch signed a party-building co-construction agreement with Fuzhou Veterans Care Association to deepen cooperation in serving veterans.邮储银行福州市分行与福州市退役军人关爱协会签署党建共建协议，深化退役军人服务合作。
2026-03-17PSBC Yongding District Branch and Hulei Town Shangnan Village Party branch held a joint party-building activity to promote financial support for rural revitalization, including preferential loan policies.邮储银行永定区支行与湖雷镇上南村党支部开展党建共建活动，宣讲助农贷款等优惠政策，助力乡村振兴。
2026-05-07Qiannan branch of Postal Savings Bank of China signed a strategic cooperation agreement with the Qiannan Jiangxi Chamber of Commerce, granting an overall pre-credit line of RMB 1 billion to member enterprises.邮储银行黔南州分行与黔南州江西商会签署战略合作协议，向商会会员企业整体预授信10亿元。
2026-05-27Ningde branch of Postal Savings Bank of China signed a strategic cooperation agreement with PICC P&C Ningde branch to jointly provide risk protection and financial support for SMEs and farmers.邮储银行宁德市分行与中国人民财产保险股份有限公司宁德市分公司签署战略合作协议，共同为中小微企业和农户提供风险保障与金融支持。
2026-06-15Signed consumption cooperation意向 agreements with three designated assistance counties (Fenxi, Tongbai, Wushan) at the bank's headquarters, with a total procurement intention amount exceeding 23 million yuan.在总行与三个定点帮扶县（汾西、桐柏、武山）签署消费帮扶合作意向协议，达成采购意向金额超2300万元。
Green & sustainable finance绿色与可持续金融
22 · 2024-01-04 → 2026-05-29
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PSBC advances green loans, ESG-linked products, and carbon-neutral operations.邮储银行推进绿色贷款、ESG挂钩产品及碳中和运营。
2024-01-04PSBC Yantai Branch disbursed over 500 million yuan in project loans for Shandong Peninsula South No.3 offshore wind power project of SPIC Haiyang Offshore Wind Power Co., Ltd.邮储银行烟台市分行向山东半岛南3号海上风电项目发放超5亿元项目贷款。
2024-03-13PSBC disclosed that in Q4 2023, it issued 6.612 billion yuan in carbon-reduction loans to 86 projects under the carbon-reduction support tool, with a weighted average interest rate of 3.16%, driving annual carbon reductions of 1,755,621.60 tonnes of CO2 equivalent.邮储银行披露，2023年第四季度在碳减排支持工具下向86个项目发放碳减排贷款66.12亿元，加权平均利率3.16%，带动年度碳减排量1,755,621.60吨二氧化碳当量。
2024-04-02PSBC Guizhou Tongren branch successfully issued its first green cross-border syndicated USD loan of over 5 million (3-year term) to the overseas wholly-owned subsidiary of a listed company, involving 16 domestic and foreign financial institutions.邮储银行铜仁市分行成功为某上市公司境外全资子公司发放500余万美元三年期绿色跨境银团贷款，系贵州省分行首笔，与境内外16家金融机构组建银团。
2024-04-11PSBC Guangxi branch successfully issued an ESG sustainability-linked loan to a paper company invested by an ASEAN country. The loan amount was 500 million yuan, with the interest rate linked to four ESG KPIs including hiring from key counties for rural revitalization.邮储银行广西分行成功为一家东盟国家来华投资纸业公司发放ESG可持续发展挂钩贷款5亿元，利率挂钩新增招聘乡村振兴重点帮扶县员工数量等四个ESG指标。
2024-07-04PSBC Fuzhou Branch's green loan balance grew 30.97% year-on-year, with credit resources focused on infrastructure green upgrades, clean energy, and energy conservation and environmental protection industries.邮储银行福州市分行绿色贷款余额较上年增速30.97%，信贷资源重点投向基础设施绿色升级、清洁能源及节能环保产业。
2024-08-23PSBC Shannan Branch in Tibet was unveiled as a 'Carbon Neutral Operation Outlet', becoming the first green bank in Tibet to achieve operational carbon neutrality.邮储银行山南支行举行“碳中和运营网点”揭牌，成为西藏自治区首家实现运营碳中和的绿色银行。
2024-09-13PSBC Putian branch's Green Finance Center was officially inaugurated at the '2024 Mulan River Forum · Climate Finance' conference, aiming to improve green finance organization and management mechanisms.邮储银行莆田市分行绿色金融中心在“2024年木兰溪论坛·气候金融”上揭牌成立，旨在健全绿色金融组织管理长效机制。
2024-11-04PSBC received an MSCI ESG rating upgrade to AA for 2024, reaching an industry-leading level.邮储银行2024年度MSCI ESG评级提升至AA级，处于行业领先水平。
2024-12-04PSBC won the 'Best Practice Case' award in the 2024 Sustainable Development Practice Case Collection organized by the China Association for Public Companies, marking its third consecutive win for ESG/sustainability practices.邮储银行荣获中国上市公司协会“2024上市公司可持续发展最佳实践案例”，连续三年获得该奖项。
2025-02-10PSBC's Xilin Gol League branch in Inner Mongolia disbursed the bank's first new-energy electrolytic water hydrogen production project loan, supporting the Datang Duolun wind-solar hydrogen integration project.邮储银行内蒙古锡林郭勒盟分行发放全行首笔新能源电解水制氢项目贷款，支持大唐多伦风光制氢一体化项目。
2025-02-20PSBC's Xilin Gol League branch in Inner Mongolia disbursed the bank's first new-energy electrolytic water hydrogen production project loan, supporting the Datang Duolun wind-solar hydrogen integration project. The project is expected to increase methanol production by 29,700 tons/year and reduce CO2 emissions by 138,800 tons/year.邮储银行内蒙古锡林郭勒盟分行发放全行首笔新能源电解水制氢项目贷款，支持大唐多伦风光制氢一体化项目。项目建成后可增产甲醇2.97万吨/年，减排二氧化碳13.88万吨/年。
2025-04-01Postal Savings Bank of China (PSBC) Xilin Gol League branch completed the bank's first loan for a water-electrolysis hydrogen production project, supporting the Datang Duolun wind-solar hydrogen integration demonstration project.邮储银行锡林郭勒盟分行完成全行首笔电解水制氢项目贷款，支持大唐多伦风光制氢一体化示范项目。
2025-04-03PSBC Gansu branch launched the 'Longyuan Green Finance' brand system, focusing on green finance and tailored financial products for different customer segments.邮储银行甘肃省分行打造“陇原绿金融”品牌体系，聚焦绿色金融及不同客群定制专属金融产品。
2025-07-04PSBC issued its first green financial bond of 2025 on the interbank market, raising 5 billion yuan with a 3-year term and a coupon rate of 1.62%, attracting nearly 70 institutional investors.邮储银行在全国银行间债券市场发行2025年第一期绿色金融债券，规模50亿元，期限3年，票面利率1.62%，获近70家机构认购。
2025-07-14PSBC Bobai County Sub-branch granted a credit line of 550 million yuan for a distributed photovoltaic power generation project, with the first tranche of 30 million yuan disbursed.邮储银行博白县支行为分布式光伏发电项目授信5.5亿元，已发放首笔贷款3000万元。
2025-08-13PSBC disclosed that its green loan balance exceeded 950 billion yuan as of end-June 2025.邮储银行披露截至2025年6月末绿色贷款余额超9500亿元。
2025-08-27PSBC disclosed that in Q2 2025, under the carbon emission reduction support tool, it issued 2.976 billion yuan in carbon-reduction loans to 56 projects, with a weighted average interest rate of 3.09%, driving annual carbon reductions of 556,997.71 tonnes of CO2 equivalent.邮储银行披露2025年第二季度在碳减排支持工具下向56个项目发放碳减排贷款29.76亿元，加权平均利率3.09%，带动年度碳减排量55.70万吨二氧化碳当量。
2025-09-05PSBC green loan balance reached RMB 958.639 billion as of end-June 2025, up 11.59% from year-end 2024; green bond investment RMB 32.92 billion.截至2025年6月末，邮储银行绿色贷款余额9586.39亿元，较上年末增长11.59%；自营投资绿色债券余额329.20亿元。
2025-12-11PSBC disclosed that in Q3 2025, under the carbon emission reduction support tool, it issued RMB 1.928 billion in carbon reduction loans to 45 projects, driving annual carbon emission reductions of 421,704.57 tons of CO2 equivalent.邮储银行披露，2025年第三季度在碳减排支持工具支持下，合计向45个项目发放碳减排贷款19.28亿元，带动的年度碳减排量为421,704.57吨二氧化碳当量。
2026-04-01PSBC's 2025 annual report shows green loan balance exceeded RMB 1 trillion, reaching RMB 1,006.371 billion, with annual CO2 emission reduction of 53.5827 million tons. Inclusive small-micro enterprise loans stood at RMB 1.80 trillion, and agricultural loans at RMB 2.51 trillion.邮储银行2025年年报显示，绿色贷款余额突破万亿元，达10063.71亿元，年减排二氧化碳5358.27万吨；普惠型小微企业贷款余额1.80万亿元，涉农贷款余额2.51万亿元。
2026-04-29As of Q1 2026 end, PSBC's green loan balance reached RMB 1.07 trillion (+6.75% from end-2025), and it served over 110,000 tech enterprises with a tech loan balance exceeding RMB 1 trillion.截至2026年一季度末，邮储银行绿色贷款余额1.07万亿元（较上年末增长6.75%），服务科技型企业超11万户，科技贷款余额超1万亿元。
2026-05-29Guangzhou branch of Postal Savings Bank of China won the 'ESG Green Finance Pioneer Enterprise' award at the 2026 ESG and High-Quality Development Innovation Forum for its outstanding performance in green finance.邮储银行广州市分行在2026年ESG与高质量发展创新论坛上荣获'ESG绿色金融先锋企业'称号。
Product launches & innovations产品推出与创新
148 · 2024-01-08 → 2026-06-24
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PSBC rolls out new loan products, digital RMB services, and financial solutions for various sectors.邮储银行推出新贷款产品、数字人民币服务及面向各行业的金融解决方案。
2024-01-08PSBC Suining Branch provided a 10 million yuan unsecured 'Kechuang E-Dai' (Sci-Tech Innovation E-Loan) to a Sichuan tech company.邮储银行遂宁市分行向四川某科技公司发放1000万元纯信用“科创E贷”。
2024-01-09PSBC Yulin Branch completed its first commercial bill discounting business, solving fund turnover issues for a manufacturing enterprise.邮储银行玉林市分行成功办理辖内首笔商票贴现业务。
2024-01-10PSBC launched a full-channel discount on Yin-Yin remittance fees from Jan 10 to Dec 31, 2024, offering up to 20% off on handling fees and telegraphic transfer fees.邮储银行开展银邮汇款发汇资费优惠活动，2024年全年手续费及电报费8折。
2024-01-15PSBC announced optimization of corporate banking service projects: adding 'Corporate Product Package' and 'Cross-bank Cash Withdrawal' for corporate settlement cards, effective from April 16, 2024.邮储银行优化对公业务服务项目，新增“对公产品套餐”和单位结算卡“跨行取现”，4月16日起执行。
2024-01-15PSBC Fushun County Branch signed the first insurance-linked trust product (保险金信托) in Zigong City, with an initial amount of 600,000 yuan and total amount of 3 million yuan.邮储银行富顺县支行落地自贡市首单银行代销保险金信托产品，一期60万元，总金额300万元。
2024-01-24PSBC Yiyang Branch landed the bank's first M&A loan in Hunan Province, 570 million yuan, to support Yiyang High-tech Industrial Development Investment Group's equity acquisition in Xinwei Electronics Technology (Yiyang).邮储银行益阳市分行落地湖南省首笔并购贷款5.7亿元，用于信维电子科技股权增持。
2024-01-30PSBC Guangxi Branch launched the nation's first 'ESG Loan + Insurance' business in Hechi, Guangxi, for a non-ferrous metal smelting enterprise, linking interest rates to zinc ingot energy consumption indicators.邮储银行广西区分行在广西河池落地全国首笔“ESG贷款+保险”业务，贷款利率与能耗指标挂钩。
2024-02-02Postal Savings Bank of China Nanbu County Sub-branch successfully processed the highest single-batch payroll payment in the country via the 'Yiqiying-YiXinchou' platform, disbursing 2.76 million yuan in salaries for 226 employees of Nanbu County Juhuixin Enterprise Management Co., Ltd.邮储银行南部县支行通过“易企营-易薪酬”平台为南部县聚汇鑫企业经营管理有限公司226名员工代发工资276万元，创全国单笔最高代发金额。
2024-02-07Postal Savings Bank of China Shantou Chaoyang Sub-branch issued the first 'Military Personnel Housing Exclusive Commercial Loan' in the provincial system, amounting to 400,000 yuan.邮储银行汕头市潮阳支行成功发放全省系统内首笔“军人住房专属商业贷款”，金额40万元。
2024-02-08Postal Savings Bank of China Dalian Branch successfully launched the first digital RMB smart contract consumption scenario in Dalian, partnering with Times Sports Industry (Dalian) Co., Ltd. for prepaid card services.邮储银行大连分行与时代体育产业（大连）有限公司合作，成功落地大连地区首个数字人民币智能合约消费场景。
2024-02-26Postal Savings Bank of China Fuzhou Branch issued the first Taiwan Resident Residence Permit credit loan in the provincial system, amounting to 200,000 yuan.邮储银行福州市分行落地行内全省首笔台湾居民居住证信用贷款，金额20万元。
2024-02-28Postal Savings Bank of China Qianxinan Branch launched the first smart parking project in the provincial system in Zhenfeng County, providing 35 million yuan in financing.邮储银行黔西南州分行在贞丰县上线全省系统内首家智慧停车项目，提供融资资金3500万元。
2024-03-01Postal Savings Bank of China (PSBC) Dalian Branch launched a 'Credit+' model, providing intellectual property pledge financing for specialized and new (Zhuan Jing Te Xin) enterprises, disbursing about 1.2 billion yuan in loans in 2023.邮储银行大连分行推出“信用+”模式，为专精特新企业提供知识产权质押融资，2023年投放贷款约12亿元。
2024-03-02PSBC Luzhou Branch issued the bank's first national 'Luzhou Laojiao industry chain loan' (Postal Savings Bank Industry e-Loan) on Jan 12, 2024, providing fully online financing to Luzhou Laojiao distributors nationwide.邮储银行泸州市分行于2024年1月12日发放行内全国首笔“泸州老窖产业链贷款”（邮储银行产业e贷），向全国范围内的泸州老窖下游经销商提供全线上融资服务。
2024-03-11PSBC Yunfu Branch successfully launched its first digital RMB salary payment service, expanding digital RMB application scenarios.邮储银行云浮市分行成功落地首笔数字人民币代发工资业务，丰富了数字人民币支付应用场景。
2024-03-13PSBC Zhengzhou Branch signed a strategic cooperation agreement with Zhengzhou Market Supervision Administration to launch 'Certification Loan' (Renzheng Dai) for SMEs, using quality certification as a credit enhancement tool.邮储银行郑州市分行与郑州市市场监督管理局签署战略合作协议，推出中小微企业“认证贷”，以质量认证作为增信手段。
2024-03-14PSBC Yancheng Dafeng Branch launched the first 'Bivalve Marine Blue Carbon Loan - Clam Loan' in Jiangsu province, a 10 million yuan loan using the远期收益权 of carbon sequestration as collateral.邮储银行盐城大丰支行落地江苏省首笔“贝类海洋蓝色碳汇贷——文蛤贷”，以碳汇远期收益权为质押发放贷款1000万元。
2024-03-14PSBC Zhangye Branch successfully handled its first 'Yi Qi Ying' business, a one-stop digital management platform for SMEs covering finance, payroll, and operations.邮储银行张掖市分行成功办理辖内首笔“易企营”业务，为中小微企业提供一站式数字化管理平台。
2024-03-14PSBC Wuxue Branch issued a 5 million yuan intellectual property pledge loan to Hubei Yunxiang Juneng New Energy Technology Co., Ltd., a lithium battery materials producer.邮储银行武穴市支行向湖北云翔聚能新能源科技有限公司发放500万元知识产权质押贷款。
2024-03-18PSBC Nanning Branch, in cooperation with Guangxi FanTang Technology, successfully issued the bank's first 'Sugarcane Farmer Industry Loan' (Zhenong Chanye Dai), a 1 million yuan credit loan for sugarcane growers.邮储银行南宁市分行与广西泛糖科技合作，成功发放系统内首笔“蔗农产业贷”，为甘蔗种植户提供100万元信用贷款。
2024-03-21PSBC Handan Branch issued a 10 million yuan 'Keji Chuangxin Dai' (Sci-Tech Innovation Loan) at an annual rate of 3.8% to Hebei Baifeng Thread Manufacturing Co., Ltd., a specialized and new 'Little Giant' enterprise.邮储银行邯郸市分行向专精特新“小巨人”企业河北百缝制线股份有限公司发放1000万元“科创贷”，年利率3.8%。
2024-03-21PSBC Anyang Branch signed a 'Hui Chuang Bao' business agreement with Zhongyuan Anyang Guarantee, a new batch guarantee product for individual entrepreneurs and short-term financing needs.邮储银行安阳市分行与中原安阳担保签署“惠创保”业务协议，推出面向个人创业主体的批量担保产品。
2024-04-02PSBC Putian branch issued a 2.74 million yuan 'small enterprise real estate mortgage loan' for a shoe and apparel company's smart manufacturing city project, achieving the first such loan for a pre-sale model small industrial park in Fujian province.邮储银行莆田市分行发放274万元“小企业房产按揭贷款”用于鞋服智造城项目，实现全省首笔预售模式小微产业园按揭贷款突破。
2024-05-09PSBC Qianxinan Prefecture branch successfully handled the first 'commercial-to-public-fund mortgage with lien transfer' (shangzhuan gong daiya guohu) business within the provincial system.邮储银行黔西南州分行成功办理全省邮储系统内首笔“商转公带押过户”业务。
2024-05-10PSBC Zhangzhou branch completed the first 'Youxiang Dai (consumption scenario)' credit and disbursement in Fujian provincial system, a new consumer loan product for decoration scenarios.邮储银行漳州市分行落地邮储系统内全省首笔“邮享贷（消费场景）”授信及放款，为装修场景消费贷款产品。
2024-05-16PSBC Liaocheng branch successfully implemented the first 'Yiqiyun' business nationwide, a digital management platform for SMEs covering finance, tax, payroll, etc.邮储银行聊城市分行成功落地全国首笔“易企营”业务，为中小微企业提供财税、薪酬等数字化管理工具。
2024-05-21PSBC launched the 'Technology Flow' evaluation system for tech firms; Shanghai branch landed the first nationwide business using this system, granting 34 million yuan credit to a leading hard-tech enterprise.邮储银行推出“技术流”评价体系，上海分行落地全国首笔业务，为硬科技龙头企业授信3400万元。
2024-05-23PSBC adjusted the automatic redemption service for 'Kaixinbao', adding a function to automatically redeem shares from the debit card's Kaixinbao holdings when the digital yuan wallet and linked debit card balance are insufficient for payment.邮储银行调整开薪宝自动赎回服务场景，新增在数字人民币钱包及其绑定邮储借记卡付款余额不足时自动赎回开薪宝份额付款功能。
2024-06-04PSBC Shenzhen Branch successfully executed the bank's first cross-border RMB asset transfer business, with a total amount exceeding 37 million yuan, in collaboration with Bank of Communications overseas branch.邮储银行深圳分行携手交通银行海外分行，成功落地邮储银行首笔跨境人民币资产转让业务，总金额超3700万元。
2024-06-04PSBC Zhangjiakou Branch launched the first digital RMB prepaid consumption smart contract scenario in Zhangjiakou, for two education/training merchants.邮储银行张家口市分行落地张家口市首个数字人民币预付消费智能合约场景，为2家教培类商户开通。
2024-06-04PSBC Shantou Branch launched the first 'ZhuanXinTie' (specialized and new enterprise bill discount) business in the city, a fully online intelligent bill discount product for specialized and new (Zhuanjingtexin) enterprises.邮储银行汕头市分行在全市落地首笔“专新贴”业务，为专精特新企业提供全流程线上智能化极速贴现服务。
2024-06-04PSBC Guangdong Branch, together with Sunshine Insurance and Guangzhou Nanyue Guotou Financing Guarantee, successfully issued the first 'Three-Guarantee Model' travel service quality deposit guarantee letter for travel agencies.邮储银行广东省分行联合阳光财险、广州南粤国投融资担保，成功开立首笔“三保”模式旅行社旅游服务质量保证金保函。
2024-06-17PSBC announced adjustments to its service price catalog, including new preferential policies for Coffee Post Office Card and Ctrip Co-branded Card, effective June 16, 2024.邮储银行公告调整服务价格目录，新增咖啡邮局卡、携程联名卡优惠政策，自2024年6月16日起执行。
2024-06-19PSBC Meizhou Branch successfully issued its first industrial plant construction loan of 8 million yuan to a tech enterprise, with a total approved credit line of 23 million yuan.邮储银行梅州市分行成功落地首笔工业厂房建设贷款800万元，总授信额度2300万元。
2024-06-19PSBC Guangxi Branch, in cooperation with Guangxi State-owned Forest Rights Collection and Storage Guarantee Company, launched the 'Forestry Planting Industry Loan' and disbursed the first loan of 750,000 yuan in Pubei County.邮储银行广西区分行携手广西国控林权收储担保公司推出“林木种植产业贷”，在浦北县发放首笔75万元贷款。
2024-06-21PSBC Qingyang Huachi County Branch issued the bank's first 'Breeding Industry Development Loan' of 300,000 yuan, under a cooperation agreement with the local animal husbandry and veterinary station.邮储银行华池县支行发放庆阳市分行首笔“养殖产业发展贷款”30万元。
2024-06-24PSBC Leizhou City Branch successfully issued its first under-construction factory building loan of 21 million yuan to a tech enterprise.邮储银行雷州市支行成功发放首笔在建厂房建设贷款2100万元。
2024-07-01PSBC Guigang Branch successfully completed the city's first 'Self-owned Forfaiting with Third-party L/C' business, amounting to 12 million yuan.邮储银行贵港市分行成功落地贵港市首笔“他行开证自营福费廷”业务，金额1200万元。
2024-07-02PSBC Yangjiang Branch issued the province's first 'Hat and Bag Industry Chain Loan' of 900,000 yuan to a company in Yangxi County, a new self-developed product for the local traditional pillar industry.邮储银行阳江市分行发放全省首笔“帽袋行业产业链贷款”90万元，为自主创新产品，支持阳西县传统支柱产业。
2024-07-09PSBC Wuzhong Branch, as a partner bank for the 'Innovation Points Loan' in the Jinji Industrial Park, planned to issue a total of 39.8 million yuan in innovation points loans to the first batch of 3 enterprises, becoming the first bank in Ningxia to issue such loans.邮储银行吴忠市分行作为金积工业园区“创新积分贷”合作银行，计划为首批3家企业发放3980万元，成为宁夏首家发放“创新积分贷”的银行。
2024-07-16PSBC Tianjin Branch launched the 'Youke Dai' (Post Sci-Tech Loan) product in May, and in June successfully issued a 5 million yuan credit loan to a specialized and new 'little giant' enterprise in Tianjin.邮储银行天津分行5月正式上线“邮科贷”业务，6月成功为天津一家专精特新企业放款500万元信用贷款。
2024-07-25PSBC Shanghai Branch launched the 'U-Housing Loan Paperless Online Process' project, a new product that allows homebuyers to apply for personal housing loans online with one click after identity authentication and document authorization, eliminating paper materials.邮储银行上海分行发布“U房贷无纸化线上流程”项目新产品，购房者完成身份认证后可一键线上申请房贷，无需纸质材料。
2024-07-26PSBC Chongqing Branch successfully issued the city's first digital RMB entrepreneurship guarantee loan, marking a new exploration in digital RMB credit innovation.邮储银行重庆分行成功落地全市首笔数字人民币创业担保贷款，标志着在数字人民币信贷领域创新取得新成果。
2024-08-14PSBC Shanghai Branch launched the 'U-Housing Loan' paperless online process project for housing mortgage applications.邮储银行上海分行推出“U房贷”无纸化线上流程项目。
2024-08-14PSBC Baoji City Branch held a credit product launch event for the kiwifruit industry, introducing the '2024 Kiwifruit Industry Loan'.邮储银行宝鸡市分行举办支持猕猴桃产业发展信贷产品发布会，推出2024年猕猴桃产业贷。
2024-08-16PSBC Dalian Branch successfully granted a 1 million yuan 'Green Environmental Protection Industry Loan' to a green enterprise, with approval in 3 working days.邮储银行大连分行向一家绿色环保企业成功授信100万元绿色环保产业贷，从申请到审批仅用3个工作日。
2024-08-16PSBC Chuxiong Prefecture Branch launched 'Mortgage e-Loan', an online mortgage loan product, and granted 8 million yuan to a food processing company.邮储银行楚雄州分行推出线上抵押贷款“抵押e贷”，并向云南云味坊食品有限公司成功授信800万元。
2024-08-20PSBC Lianyungang City Branch signed a cooperation agreement with Lianyungang Municipal Bureau of Culture, Radio, Television and Tourism for digital yuan application in cultural tourism scenarios.邮储银行连云港市分行与连云港市文化广电和旅游局签署文旅场景数字人民币合作签约协议。
2024-08-20PSBC Putian City Branch completed the first front-end design M&A loan in the system, successfully landing a 650 million yuan syndicated loan for a municipal SOE.邮储银行莆田市分行突破系统内全国首笔前端设计并购贷款业务，成功落地某市属国企并购银团贷款6.5亿元。
2024-08-21PSBC Liupanshui City Branch completed its first commercial acceptance bill discounting business, worth 100,000 yuan, for an enterprise in the Shuicheng aluminum industry park.邮储银行六盘水市分行为水城区铝产业链园区某企业办理首笔10万元商业承兑汇票贴现业务。
2024-08-21PSBC launched 'Civil Affairs U-Verification', an online capital verification product for social organizations, piloted in Shenzhen.邮储银行推出民政线上验资产品“民政U验资”，在深圳市试点上线。
2024-08-22PSBC Hainan Province Branch landed the first batch of treasury centralized payment digital yuan business, issuing salaries in digital yuan to employees of local fiscal budget units.邮储银行海南省分行落地首批国库集中支付数字人民币业务，为当地财政预算单位统发数字人民币工资。
2024-08-23PSBC Tianjin Branch launched a new credit product 'Post-Sci-Tech Loan' for tech enterprises, with the first loan of 5 million yuan disbursed on the same day.邮储银行天津分行推出新产品“邮科贷”，23日首笔500万元贷款发放。
2024-08-27PSBC Shanghai Branch successfully landed the first cross-border M&A syndicated loan for Hong Kong stock privatization in China, utilizing the FT account.邮储银行上海分行成功落地全国首单港股私有化跨境并购银团贷款业务。
2024-09-04PSBC Putian branch disbursed its first ESG climate finance loan of 3 million yuan to a building materials company in Fujian, linking the loan interest rate to the borrower's ESG climate performance and carbon reduction targets.邮储银行莆田市分行落地首笔ESG气候金融贷300万元，将贷款利率与企业ESG气候表现和碳减排目标挂钩。
2024-09-05PSBC Changde Jinshi branch disbursed its first 'under-construction project loan' of 4.8 million yuan to a local tech-SME for factory construction, marking a product innovation breakthrough.邮储银行常德津市支行发放首笔在建工程建设贷款480万元，用于支持科技型中小企业厂房建设，实现产品创新突破。
2024-09-06PSBC Guangxi branch completed its first digital RMB bill discounting business, with discount funds directly credited to the client's digital RMB corporate wallet, reducing transaction costs and improving efficiency.邮储银行广西区分行落地辖内首笔数字人民币票据贴现业务，贴现资金直接划入企业数字人民币对公钱包，降低交易成本、提高效率。
2024-09-06PSBC Quanzhou branch successfully executed the first interbank cross-border financial services platform corporate FX risk management business nationwide, using the SAFE platform's new application scenario to help a textile company hedge FX risk via options.邮储银行泉州市分行落地全国同业首笔跨境金融服务平台企业汇率风险管理业务，通过外汇期权帮助纺织企业规避汇率风险。
2024-09-06PSBC Yingtan branch disbursed the first provincial-level sci-tech innovation and technical transformation relending loan of 4 million yuan to support a company's production technology upgrade.邮储银行鹰潭市分行发放全省邮储银行首笔科技创新和技术改造再贷款400万元，支持企业生产技术更新改造。
2024-09-09PSBC Putian branch disbursed 48.855 million yuan to Fujian Sailong Technology for a 10,000-ton recycled fiber technical renovation project. This is the first transition reloan in PSBC's system, using a sustainability-linked loan structure with a 5bp rate reduction if energy consumption targets are met.邮储银行莆田市分行向福建赛隆科技发放4885.5万元转型再贷款，用于1万吨环保再生纤维技改项目，为邮储银行系统内全国首笔，采用可持续发展挂钩贷款机制。
2024-09-12PSBC Ganzhou branch successfully completed its first commercial acceptance bill discounting business, disbursing 20 million yuan to a copper processing enterprise, expanding from银票 (bank acceptance) to商票 (commercial acceptance) bill financing.邮储银行赣州市分行成功落地首笔商业承兑汇票贴现业务2000万元，实现从银票到商票的票据融资服务拓展。
2024-09-13PSBC Zhuzhou branch disbursed a 70 million yuan fixed-asset loan for a distributed photovoltaic project in the Liling ceramic industrial park, with a 15-year term and flexible repayment structure, supporting green energy.邮储银行株洲市分行为醴陵陶瓷工业园分布式光伏项目发放固定资产贷款7000万元，期限15年，支持绿色能源发展。
2024-10-15PSBC Putian City Branch successfully completed the first 'front-end design M&A loan' in the system, landing a syndicated loan of RMB 650 million for a municipal state-owned enterprise merger.邮储银行莆田市分行突破系统内全国首笔前端设计并购贷款业务，成功落地某市属国企并购银团贷款6.5亿元。
2024-10-17PSBC Putian City Branch landed its first ESG climate finance loan, disbursing RMB 3 million to a building materials company in Fujian Province.邮储银行莆田市分行落地首笔ESG气候金融贷，为福建省某建材公司发放贷款300万元。
2024-11-04PSBC Dongguan Branch successfully launched the bank's first private school fund supervision cloud platform project, signing supervision accounts for 12 primary and secondary private schools, with plans to sign 90 more.邮储银行东莞市分行成功上线全行首个民办学校资金监管云平台项目，已签约12家中小学民办学校监管账户，后续将签约90个。
2024-11-05PSBC Tianjin Branch and Tianjin Rural Property Rights Exchange jointly launched the 'Postal Savings Agriculture and Animal Husbandry Loan - Transaction Certificate Loan' credit product, with a maximum credit line of RMB 10 million.邮储银行天津分行与天津农村产权交易所联合推出“邮储农牧贷-交易鉴证贷”信贷产品，最高授信额度1000万元。
2024-11-05PSBC Huludao Branch and the Municipal Meteorological Bureau jointly held the first batch of 'Climate Benefiting Agriculture Loan' issuance ceremony, launching a 'Meteorology + Finance' model.邮储银行葫芦岛市分行与市气象局联合举行首批“气候惠农贷”发放仪式，打造“气象+金融”新模式。
2024-11-06PSBC Hengshui Branch successfully launched the first digital RMB prepaid service smart contract scenario in Hengshui City, at Hebei Hengshui Aixin Shopping Center Co., Ltd. via the 'Yuan管家' app.邮储银行衡水市分行成功落地衡水市首个数字人民币预付费智能合约场景，在河北衡水爱特购物中心通过“元管家”APP实现。
2024-11-06PSBC Wenshan Branch issued its first intellectual property pledge loan, a 'Sci-Tech E Loan' of RMB 5 million to a rice industry company.邮储银行文山分行发放首笔知识产权质押贷款500万元，为某米业公司提供“科创E贷”。
2024-11-08PSBC Rongxian County Branch successfully handled its first cross-border RMB payment business, marking a breakthrough in Rongxian, a Qiaoxiang (hometown of overseas Chinese).邮储银行容县支行成功办理首笔跨境人民币支付业务，在侨乡容县取得业务突破。
2024-11-13PSBC Tianjin Branch completed the online process for personal real estate mortgage registration and cancellation using a dedicated electronic seal via the 'Real Estate One-Net System', improving loan disbursement efficiency.邮储银行天津分行实现依托“不动产一网通系统”的个人不动产抵押登记、注销流程全线上化，提升贷款发放时效。
2024-11-13PSBC Tianjin Branch issued its first order financing business, amounting to RMB 10 million, to a transportation engineering company, using a 'de-linked but not de-core' supply chain model.邮储银行天津分行为某交通工程有限公司发放首笔订单融资业务1000万元，采用“脱核不离核”供应链模式。
2024-11-25PSBC Jiangsu Branch landed the bank's first corporate rental housing loan, a RMB 280 million credit facility for a state-owned enterprise in Qidong, Nantong, under the 'trade-in' housing scheme, with an initial disbursement of RMB 19.2 million.邮储银行江苏分行落地全行首笔法人租赁住房贷款，为南通启东某国企授信2.8亿元“以旧换新”租赁住房贷款，首笔放款1920万元。
2024-11-25PSBC Fuzhou Branch landed the bank's first province-wide Taiwan Resident Residence Permit credit loan, amounting to RMB 200,000, supporting a Taiwanese compatriot in cultural and creative activities.邮储银行福州市分行落地全省首笔台湾居民居住证信用贷款20万元，支持台胞文创活动。
2024-12-02Postal Savings Bank of China (PSBC) Lianjiang County sub-branch provided a 500,000 yuan loan to a provincial-level specialized and new 'little giant' enterprise in the silk spinning industry via the 'Small Micro Easy Loan - Sci-Tech E-Loan' product.邮储银行连江县支行通过“小微易贷—科创e贷”产品，向一家省级专精特新桑蚕丝织企业提供500万元贷款。
2024-12-03PSBC Qingdao branch launched the 'Fuminong Loan' (Rich Farmer Loan) product in Laixi City, with maximum loan amounts of 10 million yuan for individuals and 30 million yuan for cooperatives/enterprises, and a maximum term of 36 months.邮储银行青岛分行在莱西市发布“富农贷”产品，农户最高额度1000万元，合作社/企业最高3000万元，期限最长36个月。
2024-12-09PSBC Nanning branch successfully issued Guangxi's first digital yuan personal auto consumption loan of 225,900 yuan, disbursing funds directly to the customer's digital yuan wallet.邮储银行南宁市分行成功发放广西首笔22.59万元数字人民币个人汽车消费贷款，资金直接发放至客户数字人民币钱包。
2024-12-18PSBC Hechi branch successfully issued the nation's first 'ESG Loan + Insurance' business, with a loan amount of 40 million yuan.邮储银行河池市分行成功发放全国首笔“ESG贷款+保险”业务，贷款投放金额4000万元。
2024-12-18PSBC Longhui branch successfully completed the province's first online forward settlement business, with a cumulative settlement amount exceeding 1.4 million yuan.邮储银行隆回支行成功落地全省首笔线上远期结汇业务，累计结汇金额超140万元。
2025-01-09PSBC officially launched the Year of the Snake zodiac-themed digital RMB hard wallet at the "Snake Brings Abundance" special stamp release ceremony.邮储银行在《乙巳年》特种邮票首发仪式上正式发布乙巳蛇年生肖主题数字人民币硬钱包。
2025-01-21PSBC and China UnionPay jointly launched the "Trade-in for Consumption Upgrade" project, creating over RMB 100 million in consumption subsidy scenarios focusing on home appliances, 3C digital products, and automobiles.邮储银行与中国银联携手举办“以旧换新 助力消费升级”项目启动会，打造超亿元消费补贴场景，重点围绕家居家电、3C数码、汽车等领域。
2025-02-11PSBC Shenzhen branch successfully launched the 'Shangmao e-Dai' (Trade e-Loan), a pure-credit loan product for small and micro foreign trade enterprises, using customs data and tax records for risk assessment.邮储银行深圳分行成功落地纯信用贷款产品“商贸e贷”，依托企业报关数据和纳税记录构建风控模型，为小微外贸企业提供融资。
2025-02-13PSBC Zhangzhou branch in Fujian successfully completed the province's first 'online domestic letter of credit' self-issuance and self-negotiation business, with a loan amount of 40 million yuan, reducing processing time by over one-third.邮储银行漳州市分行成功落地全省首笔“线上国内证”自开自议业务，贷款金额4000万元，业务办理时间缩短三分之一以上。
2025-02-19PSBC Hebei Xiong'an branch, together with local government, launched a customized bank card and personalized stamp for the 'Santai Shoemaker' brand, a financial innovation to support traditional industry brand upgrade.邮储银行河北雄安分行联合地方政府发布“三台鞋匠”定制银行卡和个性化邮票，以金融创新支持传统产业品牌升级。
2025-02-20PSBC Chongqing branch partnered with Hema Fresh (Freshhema) to upgrade the co-branded credit card, integrating membership benefits and consumption vouchers, and launched 'trade-in' activities for green appliances and smart digital products.邮储银行重庆分行携手盒马鲜生升级联名信用卡服务，推出“以旧换新”绿色家电、智能数码消费活动。
2025-03-13Postal Savings Bank Kaifeng Branch launched the 'Warm Home' mortgage restructuring service, offering flexible repayment plans such as 'interest-first, principal-later' to ease repayment pressure for eligible customers.邮储银行开封市分行推出“暖心安居”房贷重组服务，为符合条件的客户提供“先息后本、阶段性缓还”等灵活还款方案。
2025-03-14Postal Savings Bank Jiangsu Branch launched the first digital RMB donation channel for the bank in partnership with Nanjing Charity Federation, enabling digital yuan charitable donations.邮储银行江苏省分行携手南京市慈善总会上线数字人民币捐款通道，落地邮储银行首个数币慈善捐赠场景。
2025-04-01PSBC Yangjiang branch, together with Guangdong Agricultural Financing Guarantee Co., issued the first policy-guaranteed loan to a village collective (supply and marketing cooperative) in the city, amounting to RMB 500,000.邮储银行阳江市分行联合广东农担发放全市首笔面向村集体经济（供销社）的政策性担保贷款50万元。
2025-04-02PSBC Anyang branch completed the first 'Zhuanxin Tie' (special new贴现) bill discount business in the province for a provincial-level specialized and new 'little giant' enterprise, with funds arriving in seconds.邮储银行安阳市分行办理全省系统内首笔“专新贴”创新型票据贴现业务，资金秒级到账。
2025-04-04PSBC Langfang branch successfully issued the first 'de-linked' supply chain loan in the province, amounting to RMB 1 million, completed in 3 working days.邮储银行廊坊市分行成功落地全省系统内首笔“脱核”产业链贷款100万元，3个工作日完成。
2025-04-17PSBC Ezhou branch, in cooperation with Hubei Financial Control Factoring Co., successfully handled the first offline recourse factoring business in Hubei province, with a fund投放 of RMB 100 million.邮储银行鄂州市分行与湖北金控商业保理有限公司合作，成功办理邮储银行湖北省分行首笔线下有追索权保理业务，资金投放1亿元。
2025-05-06PSBC Fuzhou branch successfully handled its first domestic resident individual special purpose company (SPC) registration business, a breakthrough in cross-border capital project services.邮储银行福州市分行成功办理首笔境内居民个人特殊目的公司（SPC）登记业务，实现跨境资本项目服务突破。
2025-05-12PSBC Xinxiang branch disbursed the system's first new-build elderly care community project loan, with total credit of RMB 551 million and first drawdown of RMB 12.14 million.邮储银行新乡市分行投放全系统首笔新建康养社区项目贷款，总授信5.51亿元，首笔放款1214万元。
2025-05-12PSBC Longhai sub-branch in Zhangzhou landed the province's first 'Food Processing Industry Loan', with credit of RMB 3 million, using an innovative 'energy consumption conversion rate + customer qualification adjustment coefficient' risk control model.邮储银行漳州龙海区支行落地全省首笔“食品加工产业贷”，授信300万元，创新构建“能耗转化率+客户资质调节系数”风控模型。
2025-05-23PSBC Chengdu Tianfu New Area branch disbursed the bank's first 'Tianfu Manufacturing Loan' of RMB 5 million, a 'government-bank-guarantee' product for industrial SMEs with provincial interest subsidies.邮储银行成都天府新区支行发放首笔“天府制惠贷”500万元，为“政银担”协同产品，省级财政给予贴息。
2025-05-27PSBC Zigong branch successfully disbursed a RMB 2 million pure-credit 'Tianfu Manufacturing Loan' to a high-tech enterprise, with annualized comprehensive financing cost of only 2.91%, completing the process in one day.邮储银行自贡市分行向高新技术企业发放200万元纯信用“天府制惠贷”，年化综合融资成本仅2.91%，从提交到放款仅1天。
2025-05-28PSBC's Dunhuang sub-branch in Jiuquan successfully landed Gansu's first guarantee company split-type guarantee letter business, solving the pain point of SMEs lacking credit for guarantee letters.邮储银行酒泉敦煌市支行落地甘肃首笔担保公司分离式保函业务，破解小微企业无授信开函难问题。
2025-06-05Issued first pension industry loan in Henan province, CNY 3600万 of a CNY 5.5亿 credit line to Zhongyuan Agricultural Valley Health Community project.发放河南省首笔养老产业贷款，向中原农谷康养社区项目授信5.5亿元并发放3600万元。
2025-06-08Completed the first nationwide 'U-Factoring' financing business in a logistics scenario, using historical transaction data for credit assessment without traditional guarantees.落地系统内全国首笔物流场景脱核“U保理”融资业务，利用历史交易数据核定授信，打破传统担保模式。
2025-06-11Issued first small-enterprise venture guarantee loan in Luzhou city, CNY 6 million, under new Sichuan provincial policy.发放泸州市首笔小微企业创业担保贷款600万元，标志着四川省创业新政在泸州落地。
2025-06-11Achieved first 'Technology Flow' credit limit breakthrough in Sichuan province for a specialized tech enterprise in Chengdu.在四川省内首次实现科技型企业“技术流”限额突破，为成都高新区某专精特新企业发放科创贷。
2025-06-11First to participate in primary market bidding, first to conduct secondary market market-making, and first to launch a Sci-Tech Bond theme basket for the bond market 'Sci-Tech Board'.首批参与科创债一级市场投标、首批开展科创债二级市场做市交易、首批推出科创债主题篮子。
2025-06-12Led a 49.72 billion yuan health-care syndicated loan project in Wenzhou, the largest single pension loan in the system this year, as part of the '523' elderly care service system.牵头落地温州市49.72亿元康养银团项目，为本年系统内单笔最大养老贷款，创新构建“523”养老服务体系。
2025-07-28PSBC Longnan City Dangchang County Sub-branch successfully handled the first 'Small Micro Easy Loan - De-Core Industry E-Loan' in Gansu Province, providing 2 million yuan in credit to a local small enterprise.邮储银行陇南市宕昌县支行成功办理甘肃省分行首笔“小微易贷——脱核产业E贷”200万元。
2025-08-05PSBC completed three landmark transition finance loans: 290 million yuan to Juneyao Airlines for fuel-efficient aircraft (expected 28,600t CO2 reduction in 2025); 100 million yuan to Jinding Steel for coke-oven gas utilization (annual 6,055t reduction); 30 million yuan to Chizhou Conch for cement energy efficiency upgrade.邮储银行落地三笔标志性转型金融贷款：向吉祥航空发放2.9亿元用于采购节能机型（预计2025年减排2.86万吨二氧化碳）；向金鼎钢铁提供1亿元用于焦炉煤气综合利用（年减排6055吨）；向池州海螺发放3000万元用于水泥能效升级。
2025-08-07PSBC Bijie branch disbursed its first 'Industry e-Loan' (Chanye e-Dai) of 5 million yuan to a baijiu distributor, a digital online financing product for supply chain SMEs.邮储银行毕节市分行发放首笔“产业e贷”500万元给白酒销售小微企业，系基于大数据的产业链线上融资产品。
2025-08-08PSBC Hanzhong branch disbursed 3.55 million yuan in 'Electric E-Piao' (digital bank acceptance bill for electricity bills) to an environmental protection company, saving an estimated 20,000 yuan in annual financial costs.邮储银行汉中市分行向环保企业投放355万元电E票（用于电费结算的银行承兑汇票），预计年节省财务费用2万元。
2025-08-26PSBC Yueyang branch successfully issued its first 'Huinong Dai' (Agriculture-benefit Loan) for small enterprises, disbursing 15 million yuan to a provincial-level agricultural leading enterprise.邮储银行岳阳市分行成功发放全市首笔小企业“惠农贷”1500万元，支持省级农业产业化龙头食品企业。
2025-08-27PSBC Chengdu Wuhou branch successfully issued its first cross-provincial housing provident fund loan for Tibet Autonomous Region employees, amounting to 900,000 yuan.邮储银行成都武侯区支行成功发放首笔西藏住房公积金异地委托贷款90万元。
2025-09-02PSBC Xinxiang branch landed the first new-build senior care community project loan in PSBC system, with credit line of RMB 551 million and cumulative disbursement of RMB 74 million.邮储银行新乡市分行落地全国邮储系统内首笔新建康养社区项目贷款，授信额度5.51亿元，累计投放0.74亿元。
2025-09-04PSBC Putian branch launched 'Pu' series inclusive小微 financial products (Pu Chuang Dai, Pu Fan Dai, Pu Ding Dai, Pu Shang Chuan Cheng Dai, Pu Shang e-Dai) for local industries.邮储银行莆田市分行推出“莆”系列普惠小微金融产品（莆创贷、莆帆贷、莆鼎贷、莆商传承贷、莆商e贷）。
2025-09-04PSBC Neijiang branch successfully issued a RMB 17 million second-mortgage debt-swap loan to Zizhong County Pencheng Energy Co., Ltd.邮储银行内江市分行为资中县磐诚能源有限责任公司成功发放1700万元房地产二次抵押债务置换贷款。
2025-10-14PSBC Putian City branch issued a loan of 105 million yuan to a new materials company, specifically supporting its annual production of 50,000 tons of recycled functional fiber production line project. This is the first private manufacturing financing project in the province within the PSBC system.邮储银行莆田市分行向某新材料有限公司发放1.05亿元贷款，专项支持其年产5万吨再生功能性纤维生产线项目，系系统内全省首笔民营制造业融资项目。
2025-10-16PSBC Beiliu City sub-branch successfully approved its first public loan project for photovoltaic (PV) projects, with a credit line of 600 million yuan, specifically for the Beiliu City rooftop PV resource paid-use project with a total installed capacity of 146.15 MWp.邮储银行北流市支行成功获批首笔光伏项目贷款公贷业务，授信金额6亿元，专项用于北流市屋顶光伏资源有偿使用项目建设，总装机容量146.15MWp。
2025-10-20PSBC Putian City branch, together with China Post Group Putian branch and Putian Meteorological Bureau, launched a 'Meteorological Finance Loan' product at the Fujian Province Farmers' Harvest Festival, integrating postal network, meteorological data, and banking funds to serve agricultural financing.邮储银行莆田市分行联合邮政集团莆田市分公司、莆田市气象局等在福建省农民丰收节上推出“气象金融贷”产品，融合邮政渠道、气象数据与银行资金服务农业融资。
2025-11-03PSBC Luzhou branch issued the system's first 'Baijiu Order Loan' (白酒订单贷) to a Luzhou Laojiao distributor, with a credit line of RMB 10 million and a comprehensive financing cost as low as 2.6%.邮储银行泸州市分行发放系统内首笔“白酒订单贷”给泸州老窖经销企业，授信额度1000万元，综合融资成本低至2.6%。
2025-11-04PSBC Putian branch jointly with the Market Supervision Bureau launched 'Intellectual Property Pledge Loan' (知产贷), granting RMB 3 million to a seafood company.邮储银行莆田市分行联合市场监督管理局推出“知识产权质押贷款”（知产贷），向某水产公司授信300万元。
2025-11-10PSBC Liupanshui branch successfully landed the first entrusted loan business in Guizhou PSBC system, disbursing RMB 500 million to a key local enterprise.邮储银行六盘水市分行落地贵州邮储系统首笔委托贷款业务，向当地重点企业投放资金5亿元。
2025-11-11PSBC Hezhou branch completed its first 'Internal Guarantee Direct Loan' (内保直贷) business, introducing RMB 100 million equivalent in low-cost offshore funds for a local enterprise.邮储银行贺州市分行办理首笔“内保直贷”业务，为企业引入等值1亿元人民币的境外低成本资金。
2025-11-11PSBC Chongzuo branch completed the first 'Asset Pool Financing' (资产池融资) business in the Guangxi system, helping a trade company pledge bill assets to issue bank acceptance drafts.邮储银行崇左市分行办理广西系统内首笔资产池融资业务，帮助企业盘活票据资产。
2025-11-17PSBC innovatively launched 'Pingtai Tong' (平台通), a digital RMB settlement product for industrial internet platforms, with the first transaction completed on the 'Egg Bang' (鸡蛋帮) platform, making PSBC the first financial institution to apply digital RMB in the poultry egg industry settlement.邮储银行创新推出“平台通”数字人民币结算产品，首笔交易在“鸡蛋帮”平台完成，成为首家将数字人民币应用于禽蛋产业资金结算的金融机构。
2025-11-19PSBC Xuchang branch issued the first 'Yu Nong Dai - Disaster Relief Loan' (豫农担-救灾贷) in Xuchang area, RMB 500k, to a disaster-affected large grower with a 1% interest subsidy.邮储银行许昌市分行发放许昌地区首笔“豫农担-救灾贷”50万元，支持受灾种植大户恢复生产。
2025-11-20PSBC Yingtan branch successfully landed an ESG (Environmental, Social and Governance) two-way linked loan, where the interest rate is dynamically tied to the borrower's sustainable performance targets (e.g., hazardous waste treatment volume).邮储银行鹰潭市分行成功落地ESG（环境、社会及治理）双向挂钩贷款，利率与企业可持续绩效目标动态绑定。
2025-11-20PSBC Chengdu branch completed the first non-standard debt syndicated loan replacement under a 'class-exhaustion' model in Chengdu, converting local government financing platform debt.邮储银行成都市分行完成成都首笔类穷尽模式下非标债务银团置换，实现地方融资平台非标债务合规转化。
2025-12-04PSBC Putian Branch issued the first intellectual property pledge loan in Putian that simultaneously meets both the Biodiversity Finance Standard and the Blue Finance Standard, amounting to RMB 3 million for an aquaculture company.邮储银行莆田市分行发放了莆田市首笔同时符合生物多样性金融标准和蓝色金融标准的知识产权质押贷款300万元，用于支持水产企业。
2025-12-10PSBC Qingdao Branch successfully issued the city's first 'Transaction Certificate Loan' (交易鉴证贷), a RMB 250,000 loan based on a transaction certificate from the Qingdao Rural Property Rights Transfer Platform.邮储银行青岛分行成功发放青岛市首笔“交易鉴证贷”25万元，依托青岛市农村产权流转交易平台出具的交易鉴证书。
2026-01-20PSBC, together with CCDC Valuation and Fidelity Fund Management, launched the industry's first dual-theme bond index fund focusing on 'tech innovation' and 'green development', successfully raising 4 billion yuan.邮储银行携手中债估值中心、富达基金推出业内首只“科技创新”与“绿色发展”双主题债券指数基金，成功募集40亿元。
2026-01-21PSBC Ningbo branch launched the 'Port & Shipping Credit Loan', which for the first time systematically incorporates authoritative industry credit data from the port and shipping management department into the bank's risk control model to support local small and medium-sized shipping enterprises.邮储银行宁波分行推出“港航资信贷”，首次将港航管理部门权威行业信用数据系统性纳入银行风控模型，支持本地中小航运企业。
2026-01-23PSBC Putian City branch, in collaboration with the Putian Market Supervision Bureau, launched the 'Putian IP Pledge Loan', granting a 3 million yuan credit line to an aquatic product development company using its patents and trademarks as collateral.邮储银行莆田市分行联合莆田市市场监督管理局推出“莆邮·知产贷”，以知识产权质押向某水产开发公司授信300万元。
2026-02-28PSBC Lijiang Branch successfully issued its first commercial acceptance bill discounting business secured by electricity fee receivables, amounting to 15.96 million yuan, marking a breakthrough in pledge financing.邮储银行丽江分行成功投放首笔以电费应收账款为质押的商业承兑汇票贴现业务，金额1596万元，标志着在权利质权融资领域的重大突破。
2026-02-28PSBC Linxia Prefecture Branch launched pure-credit loan products 'Ji Su Dai' (express loan) and 'Niu Yang Chan Ye Dai' (cattle and sheep industry loan), disbursing 200,000 yuan to a farmer and 150,000 yuan to another for livestock expansion.邮储银行临夏州分行推出纯信用贷款产品“极速贷”“牛羊产业贷”，向东乡县养殖户发放20万元和15万元贷款用于扩大养殖规模。
2026-03-06PSBC launched the 'Flower Card' (Xianhua Ka), the industry's first nationwide flower-themed credit card, in Beijing and Kunming, in partnership with Kunming Hua Yibao Technology to build a flower-themed financial ecosystem.邮储银行在北京和昆明发布行业首张全国性鲜花主题贷记卡“鲜花卡”，联合昆明花易宝科技打造花卉主题金融生态圈。
2026-03-09PSBC and Changguang Satellite jointly launched the 'PSBC No.' satellite (Jixing Gaofen 07A03), a high-resolution optical remote sensing satellite, to be launched at Jiuquan Satellite Launch Center for financial scenario applications.邮储银行与长光卫星联合发射“邮储银行号”卫星（吉星高分07A03星），为高分辨率光学遥感卫星，将在酒泉卫星发射中心发射，用于金融场景应用。
2026-03-13PSBC Xiangtan Branch launched the 'Anxiang Jinhui' elderly customer service brand and 'U Xiang Future' personal pension financial service zone, enriching pension financial products.邮储银行湘潭市分行打造“安享金晖”老年客户服务品牌和“U享未来”个人养老金融服务专区，丰富养老金融产品。
2026-03-19PSBC's 'You Ni Tong Ying' platform began distributing fund products from Baoying Fund Management Co., Ltd., effective March 19, 2026.邮储银行“邮你同赢”平台自2026年3月19日起代销宝盈基金管理有限公司旗下基金产品。
2026-04-03PSBC innovatively launched a digital RMB smart contract prepayment consumption service, covering sectors like fitness, supermarkets, education, and dining, with over 2,000 prepaid merchants onboarded nationwide.邮储银行创新推出数字人民币智能合约预约消费服务，覆盖运动健身、购物超市、教育培训、餐饮美食等领域，全国累计接入预付费商家逾2000家。
2026-04-07PSBC Putian branch successfully issued a 'Shoe & Garment Transformation Loan' of RMB 9.69 million to Putian Xinxiang Co., Ltd., the first textile industry transition finance standard loan in Fujian province.邮储银行莆田市分行成功向莆田市鑫祥股份有限公司发放“鞋服转型贷”969万元，为福建省落地的首笔纺织行业转型金融标准贷款。
2026-04-09PSBC launched the 'U-Certificate Freight Certificate' financial service, supporting enterprises to use domestic letters of credit to pay freight to railways, with the first successful case in Shanxi province, achieving T+1 fund disbursement.邮储银行推出“U证-运费证”金融服务，支持企业使用国内信用证向铁路部门支付运费，首笔在山西成功落地，实现T+1日放款。
2026-04-27PSBC Ningbo branch successfully landed its first 'Start-up Loan' (Chuchuang Dai), a pure credit loan of RMB 10 million to a high-tech enterprise in the semiconductor materials field.邮储银行宁波分行成功落地首笔“初创贷”，向一家半导体材料领域高新技术企业发放纯信用贷款1000万元。
2026-05-09Ningbo branch of Postal Savings Bank of China successfully issued the first 'Small-Micro Easy Loan De-nucleated Supply Chain Model' loan, providing a credit loan of RMB 1.82 million to a home appliance upstream SME.邮储银行宁波分行成功落地首笔'小微易贷脱核产业链模式'业务，为一家家电产业链上游小微企业发放信用贷款182万元。
2026-05-11Postal Savings Bank of China's Fuyang branch and Ping An Property & Casualty Insurance Funan branch jointly launched an 'agricultural insurance + credit' model in Funan County, using insurance policies as credit enhancement for low-interest loans to farmers.邮储银行阜南支行与平安产险阜南支公司在阜南县会龙镇联合推出'农业保险+信贷'模式，以农业保险保单为增信手段发放低息贷款。
2026-05-14Ningbo branch of Postal Savings Bank of China successfully issued the first private investment special guarantee plan loan, providing RMB 10 million to a textile manufacturing SME, in partnership with a local SME financing guarantee company.邮储银行宁波分行成功落地首笔民间投资专项担保计划贷款，联合当地中小企业融资担保公司为一家纺织制造企业发放1000万元贷款。
2026-05-21Liupanshui branch of Postal Savings Bank of China successfully issued the first railway 'freight certificate' (运费证) business in Guizhou under the strategic cooperation framework with China State Railway Group, opening a RMB 20 million freight certificate for a local enterprise.邮储银行六盘水市分行在邮储与国铁集团战略合作框架下，落地贵州邮储系统首笔铁路'运费证'业务，为辖内企业开立2000万元铁路运费证。
2026-06-01Launched the first pure-credit credit product for the apple industry chain, 'Apple Credit Industry Loan', in Luochuan County, Yan'an, using a credit evaluation model based on supply contracts, transaction flows, and warehouse receipts.在延安洛川县推出全国首款针对苹果产业的纯信用信贷产品“苹果信用产业贷”，基于购销合同、交易流水、仓储物流单据搭建信用评估模型。
2026-06-02Issued the first 'Specialized and New SME Special Loan' in Putian City, a 5 million yuan loan to Putian Xinxiang Co., Ltd., under a 500 million yuan municipal policy fund with a 'bank loan + fiscal subsidy' model.在莆田市发放首笔“专精特新中小企业专项贷款”500万元给莆田市鑫祥股份有限公司，该政策总规模5亿元，采用“银行贷款+财政贴息”模式。
2026-06-05Liangshan Prefecture Branch issued a 3 million yuan digital RMB credit e-loan to Liangshan Fuyin Buckwheat Food Co., Ltd., marking the first breakthrough for digital RMB credit e-loan scenario.凉山州分行向凉山州福银苦荞食品有限公司发放300万元数字人民币信用e贷，实现数字人民币信用e贷场景首次突破。
2026-06-10Launched the 'Guan Cheng Cultural Tourism Card' in Jiayuguan, a dedicated financial product integrating 'finance + scenic spots + business districts' to empower the local night-time tourism economy.在嘉峪关推出“关城文旅卡”，构建“金融+景区+商圈”融合服务新模式，赋能夜游经济发展。
2026-06-24Yangzhou Branch successfully launched the first digital RMB 'Yuan管家' smart contract prepayment product for the education and training sector in Yangzhou, in partnership with Yangzhou Ruichi Training Center, to safeguard prepaid tuition funds.扬州市分行成功推出扬州同业首个教培场景数字人民币“元管家”智能合约预付费产品，与扬州睿驰培训中心合作，守护教培预付资金安全。
Legal disputes & executive investigations法律纠纷与高管调查
9 · 2024-01-25 → 2026-03-07
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PSBC faces legal disputes, executive investigations, and disciplinary actions.邮储银行面临法律纠纷、高管调查及纪律处分。
2024-01-25PSBC Liqian County Branch became a person subject to enforcement for 1 million yuan due to refusing to assist a court in freezing and deducting deposits; the branch head was detained for 15 days and fined 100,000 yuan.邮储银行礼泉县支行因拒不协助法院冻结扣划存款被列为被执行人100万元，负责人被拘留15日罚款10万。
2024-02-06Zhang Jun, former senior senior manager of Postal Savings Bank of China, is under disciplinary review and supervisory investigation for suspected serious violations of discipline and law.中国邮政储蓄银行原高级资深经理张军涉嫌严重违纪违法，正接受纪律审查和监察调查。
2024-08-23Zhang Jun, former senior senior manager of PSBC, stood trial for bribery, accused of illegally accepting over 10.12 million yuan.中国邮政储蓄银行原高级资深经理张军受贿案一审开庭，被控非法收受财物1012万余元。
2024-11-21Ren Guoqing, former senior manager of PSBC Liaoning Branch, was sentenced to 13 years in prison for bribery and unexplained巨额财产来源不明 property, involving RMB 6.51 million in bribes.邮储银行辽宁省分行原资深经理任国庆因受贿、巨额财产来源不明一审被判有期徒刑13年，受贿金额651万余元。
2025-03-12Liu Xin, senior business expert of China Post Wealth Management, investigated for serious disciplinary violations by Postal Savings Bank纪委 and Jinan Supervisory Commission.中邮理财有限责任公司高级业务专家刘鑫涉嫌严重违纪违法，正接受邮储银行纪委纪律审查和济南市监委监察调查。
2025-07-02Zhang Xuesong, former Party Secretary and President of PSBC Hubei Branch, was expelled from the Party and dismissed from public office for serious violations of discipline and suspected bribery crimes.邮储银行湖北省分行原党委书记、行长张雪松因严重违纪违法被开除党籍和公职，涉嫌受贿犯罪。
2025-09-04PSBC Hubei branch former head Zhang Xuesong investigated for serious duty violations including accepting bribes in credit granting and loan rate reduction.邮储银行湖北省分行原行长张雪松被查，涉嫌在银行授信、贷款降息等方面受贿。
2026-02-28Jin Chunhua, former Party Secretary and President of PSBC Henan Branch, is under investigation for serious violations of discipline and law by the Central Commission for Discipline Inspection (CCDI) and Henan Provincial Supervision Commission.邮储银行河南省分行原党委书记、行长金春花涉嫌严重违纪违法，正接受中央纪委国家监委驻中国邮政集团纪检监察组和河南省监委纪律审查和监察调查。
2026-03-07Jin Chunhua, former Party Secretary and President of PSBC Henan Branch, is under disciplinary review and investigation for suspected serious violations of discipline and law.邮储银行河南省分行原党委书记、行长金春花因涉嫌严重违纪违法，正接受纪律审查和监察调查。
Corporate & SME lending公司及中小企业贷款
56 · 2024-02-02 → 2026-05-15
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PSBC provides credit to corporations, SMEs, and specialized enterprises across industries.邮储银行向各行业企业、中小企业及专精特新企业提供信贷支持。
2024-02-02Postal Savings Bank of China Yiyang Ziyang District Sub-branch traveled over 3,000 km to Guangzhou, Shenzhen, and Chengdu to sign loan contracts with two provincial-level specialized and new enterprises, successfully disbursing loans before the Lunar New Year.邮储银行益阳市资阳区支行跨越3000多公里远赴广州、深圳、成都为两家省级专精特新企业签订贷款合同并成功放款。
2024-02-18Postal Savings Bank of China Bijie Branch successfully issued a loan of 465 million yuan to Guizhou Zhijindong Tourism Development Co., Ltd. to support the upgrade of the scenic area.邮储银行毕节市分行为贵州织金洞旅游开发有限责任公司发放贷款4.65亿元，助力景区建设提质升级。
2024-05-11Vanke's subsidiary guaranteed a 1.3 billion yuan loan from PSBC Shenzhen Luohu Sub-branch for 3 years, with land provided as collateral by Vanke's subsidiaries.万科子公司为邮储银行深圳罗湖区支行13亿元贷款提供担保，贷款期限3年，以项目土地抵押。
2024-05-17PSBC Suining branch approved the first 'whitelist' project loan under the coordination mechanism within the provincial system, 800 million yuan for a real estate project in Shehong.邮储银行遂宁市分行获批全省系统内首笔协调机制“白名单”项目贷款8亿元，用于射洪市房地产项目。
2024-07-05PSBC Shanghai Branch provided industrial financial services to Spring Airlines, supporting the procurement of a batch of A320 series passenger aircraft, forming a complete aviation industry chain financial service plan.邮储银行上海分行为春秋航空提供产业金融服务，支持其采购空客A320系列客机，已形成一整套航空产业链金融服务方案。
2024-07-11PSBC Heyuan Branch successfully approved a 50 million yuan 'Sci-Tech Credit Loan' for an industrial technology company, with the first 30 million yuan disbursed, supporting sci-tech enterprises.邮储银行河源市分行成功审批一户工业技术有限公司大额授信“科创信用贷”5000万元，首笔3000万元已放款。
2024-08-03PSBC Liaocheng City Branch granted a credit line of 95.06 million yuan to Guanxian Beikong Qingquan Sewage Treatment Co., Ltd. as the sole bank for its new sewage treatment project.邮储银行聊城市分行为冠县北控清泉污水处理有限公司授信9506万元，并成为其新建项目唯一授信银行。
2024-08-06PSBC Nanfeng County Sub-branch provided 10 million yuan in 'Sci-Tech Credit Loan' to Zhongming Material Technology Co., Ltd., a high-tech enterprise.邮储银行南丰县支行向中铭材料科技股份有限公司发放1000万元科创信用贷。
2024-08-08PSBC Lichuan County Sub-branch issued the city's first large liquidity loan of 68 million yuan to Jiangxi Kangshu Ceramics Co., Ltd., a provincial-level specialized and new enterprise.邮储银行黎川县支行向江西省康舒陶瓷有限公司发放全市首笔大额流动资金贷款6800万元。
2024-08-12PSBC Huizhou City Branch issued a record-high single small-enterprise large loan of 100 million yuan to a Shenzhen-based industrial and trading company.邮储银行惠州市分行向深圳市某工贸有限公司发放小企业大额贷款1亿元，刷新广东省分行小企业单户放款最高纪录。
2024-09-13PSBC Haikou branch disbursed the first batch of 47.616 million yuan in emergency loans to enterprises affected by Typhoon 'Yagi', covering pharmaceuticals and transportation sectors, with measures including loan extension and interest rate reduction.邮储银行海口市分行发放首批4761.6万元应急贷款，支持受台风“摩羯”影响的药品、交通等民生领域企业，采取展期、降息等措施。
2024-09-18PSBC Fuzhou Qingkou branch disbursed a total of 9.54 million yuan in loans to two Chery auto industry chain supporting enterprises in Fuqing, supporting the R&D, production, and sales of the supply chain.邮储银行福清市支行为2家奇瑞汽车产业链配套企业发放贷款合计954万元，支持产业链企业研发生产。
2024-10-08PSBC Hubei Branch disbursed a RMB 320 million real estate development loan to the 'Wuhan Chengtou Xiyuan' project, which has a total floor area of 84,200 sqm and includes residential, office, and commercial space.邮储银行湖北省分行为“武汉城投·禧园”房地产开发项目发放房地产开发贷款3.2亿元，该项目总建筑面积8.42万平方米，包含住宅、办公及商业业态。
2024-10-12PSBC Zhanjiang City Branch provided a credit facility of RMB 160 million to a real estate development company, successfully landing its first 'whitelist' coordinated mechanism project loan.邮储银行湛江市分行为某房地产开发公司提供授信1.6亿元，成功落地市分行首笔“白名单”协调机制项目贷款。
2024-11-08PSBC Heshan City Branch approved a corporate credit facility of RMB 45 million to Heshan People's Hospital to support medical equipment upgrades and talent development.邮储银行鹤山市支行通过鹤山市人民医院一笔4500万元公司授信业务，用于医疗设备更新和人才引进。
2024-11-20PSBC Sichuan Yilong County Sub-branch issued a loan of RMB 4.5 million to Sichuan Dezhu Auto Parts Co., Ltd. on the same day of a government-bank-enterprise matchmaking event.邮储银行仪陇县支行在政银企对接活动当天为四川德创汽车零配件有限公司发放贷款450万元。
2024-12-02PSBC Tibet Autonomous Region branch and Tibet Caixin Financing Guarantee Co., Ltd. completed the first 'total-to-total' batch guarantee loan of 4.758 million yuan, registered with the National Financing Guarantee Fund.邮储银行西藏自治区分行与西藏财信融资担保有限公司合作，完成首笔475.8万元“总对总”批量担保贷款，并向国家担保基金成功备案。
2024-12-04PSBC Tongchuan branch achieved the first new version of the national guarantee 'total-to-total' batch guarantee business in the city, providing a 3 million yuan guarantee loan to an enterprise via the city's SME financing guarantee company.邮储银行铜川市分行落地全市首笔新版国担“总对总”批量担保业务，通过市中小企业融资担保公司为企业提供300万元担保贷款。
2024-12-04PSBC Dingxi branch disbursed a 10 million yuan Sci-Tech Credit Loan to a provincial-level 'specialized and new' enterprise engaged in electrolytic aluminum production, and also facilitated 17.35 million yuan in bill discounting.邮储银行定西市分行向省级“专精特新”电解铝生产企业发放科创信用贷1000万元，并联动实现票据贴现1735万元。
2024-12-11PSBC Hainan branch successfully disbursed a 400 million yuan real estate development loan to a project in Sanya under the 'white list' mechanism, addressing a funding gap for a large project with total investment over 3 billion yuan.邮储银行海南省分行成功为三亚某“白名单”项目投放4亿元房地产开发贷款，该项目总投资超30亿元。
2024-12-20PSBC Hunan branch issued the province's first loan of 100 million yuan for purchasing existing commercial housing to be used as rental housing, supporting the acquisition of 436 units.邮储银行湖南省分行发放湖南省首笔1亿元贷款，用于收购436套存量商品房用作配租型保障性住房。
2025-01-09PSBC Honghe Prefecture Branch disbursed RMB 69.79 million as the first "white-list" guaranteed housing delivery loan in Yunnan province in 2025 for the "Nanhu New World" project.邮储银行红河州分行对“南湖·新世界”项目发放6979万元“保交房”贷款，为2025年全省首笔落地“白名单”备案制项目贷款。
2025-02-10PSBC Dazhou branch in Sichuan disbursed a 29 million yuan project loan to a local real estate enterprise, marking the first 'white-list' project loan under the city's real estate financing coordination mechanism.邮储银行达州市分行向当地某房地产企业发放2900万元项目贷款，标志着该市首笔房地产融资协调机制“白名单”项目贷款落地。
2025-02-10PSBC Qiandongnan branch in Guizhou disbursed a 25 million yuan loan for the Xuanwei Reservoir, a Class II large (2) reservoir and the first large reservoir in Qiandongnan, a key project in the national '14th Five-Year' Water Security Plan.邮储银行黔东南州分行向宣威水库投放贷款2500万元，该水库为Ⅱ等大(二)型水库，是黔东南州第一座大型水库，属国家“十四五”水安全保障规划控制性枢纽工程。
2025-03-03Postal Savings Bank Suizhou Branch provided a 12 million yuan special new loan to Hubei Kawei Polymer Materials, a national high-tech enterprise, to support BYD new energy vehicle core component orders.邮储银行随州市分行为国家级高新技术企业湖北凯威高分子材料有限公司发放1200万元专精特新贷款，支持比亚迪新能源车核心部件订单交付。
2025-03-05Postal Savings Bank Linxia Branch disbursed a 10 million yuan 'Sci-Tech Credit Loan' to provincial 'Specialized and New' enterprise Linxia燎原Dairy Co., Ltd. to support innovation.邮储银行临夏州分行为省级“专精特新”企业临夏州燎原乳业有限公司发放1000万元科创信用贷款，助力企业创新。
2025-03-10Postal Savings Bank Baise Branch completed a 100 million yuan large bill discount business for a power generation enterprise, alleviating its capital turnover pressure.邮储银行百色市分行为某发电企业办理了一笔一亿元的大额票据贴现业务，缓解了企业资金周转压力。
2025-08-05PSBC Zhoukou branch granted a 320 million yuan credit line to Zhoukou Urban-Rural Water Development Co. for rural water supply asset revitalization, with first disbursement of 240 million yuan on July 30.邮储银行周口市分行为周口市城乡水务发展有限公司农村供水存量资产盘活项目授信3.2亿元，7月30日首笔放款2.4亿元。
2025-08-13PSBC Leizhou branch successfully disbursed a 237 million yuan loan to a local water utility company for water supply infrastructure construction.邮储银行雷州市支行成功向当地水务公司投放2.37亿元贷款，用于供水基础设施建设。
2025-09-04PSBC Yudu branch issued a RMB 5 million sci-tech credit loan to a local garment enterprise.邮储银行于都县支行为当地一家服装企业发放500万元科创信用贷款。
2025-09-05PSBC Suizhou branch built a 'technology flow + order flow' dual evaluation system, lending nearly RMB 300 million to 30+ specialized & new enterprises.邮储银行随州市分行构建“技术流+订单流”双维评估体系，为30余家专精特新企业投放贷款近3亿元。
2025-09-08PSBC Shangqiu branch signed credit agreements with 8 enterprises totaling RMB 252 million at a government-bank-enterprise matchmaking meeting.邮储银行商丘市分行在政银企合作对接会上与8家企业签署授信协议，总金额2.52亿元。
2025-10-23PSBC Xiuxian County sub-branch successfully implemented a 170 million yuan public loan project to help the local government revitalize存量国有资产, marking the first such public loan project in the county.邮储银行修武县支行成功落地1.7亿元公贷项目，助力政府盘活存量国有资产，系县域内首笔公贷项目。
2025-11-05PSBC Ningnan county sub-branch cumulatively disbursed RMB 20 million in 'Keji Dai' (科创贷) to Nanchow Group, a national leading agricultural enterprise, supporting the silkworm industry chain.邮储银行宁南县支行累计向国家级农业龙头企业南丝路集团投放2000万元“科创贷”，支持蚕桑产业链。
2025-11-13PSBC Yibin Xuzhou branch disbursed its first real estate development loan of the year, RMB 158 million, to a local developer under the urban real estate financing coordination mechanism.邮储银行宜宾市叙州区支行发放今年首笔房地产开发贷款1.58亿元，支持城市房地产融资协调机制项目。
2025-11-14PSBC Taizhou branch provided a tailored mortgage loan of RMB 38 million to Yuhuan Weisi Electric, a high-tech enterprise, supporting its expansion and R&D in new energy vehicle charging piles.邮储银行台州市分行为高新技术企业玉环玮斯电气发放3800万元抵押贷款，支持其新能源充电桩业务。
2025-11-20PSBC Nanning branch disbursed RMB 40 million in subsidized auto consumption loans since Sep 1, 2025, under the national fiscal subsidy policy offering a 1% annual interest subsidy.邮储银行南宁市分行自9月1日以来已累计发放汽车消费贷款财政贴息贷款4000万元。
2025-11-23PSBC Sanya branch issued a RMB 98 million bank acceptance draft to a Hainan duty-free shop, supporting its global supply chain expansion under the new duty-free policy.邮储银行三亚市分行为海南一家免税城开立9800万元银行承兑汇票，支持其拓展全球供应链。
2026-01-16PSBC Qiannan Prefecture branch disbursed 170 million yuan in project loans to support the upgrade of two cultural tourism projects at Libo County's Zhangjiang Scenic Area.邮储银行黔南州分行向荔波县大小七孔景区两个文旅项目发放1.7亿元项目贷款，支持景区业态升级。
2026-01-21PSBC Yulin City branch granted a 2 billion yuan意向授信额度 (intended credit line) to the Yulin Spice Chamber of Commerce to support the local spice industry chain.邮储银行玉林市分行向玉林市香料商会授予20亿元意向授信额度，支持香料产业发展。
2026-01-27PSBC Panzhou City sub-branch successfully issued a 400 million yuan fixed asset loan to a local coal enterprise to support its capacity enhancement and technological transformation.邮储银行盘州市支行成功向当地一家煤炭企业发放4亿元固定资产贷款，支持其产能提升与技术改造。
2026-02-27PSBC Jiuquan Branch issued 5 million yuan in 'Xiao Wei Yi Dai - Ke Chuang Mo Shi' (small-micro easy loan - tech innovation model) to a high-tech pesticide intermediate and raw drug R&D enterprise.邮储银行酒泉市分行向一家农药中间体与原药研发高新技术企业发放500万元“小微易贷-科创模式”信用贷款。
2026-02-27PSBC Huixian County Branch disbursed 500,000 yuan in 'Chan Ye Dai' to a tissue paper wholesale company in Longnan for post-holiday inventory replenishment.邮储银行徽县支行向陇南一生活用纸商贸公司发放50万元“产业贷”，用于节后备货。
2026-02-28PSBC Dongxiang County Branch provided a 500,000 yuan 'Chan Ye Dai' to a catering business owner in Linxia for restaurant upgrade and renovation.邮储银行东乡县支行向临夏一餐饮经营者提供50万元“产业贷”，用于餐厅升级改造。
2026-03-09PSBC Ningbo Branch provided a 20 million yuan loan to a leading smart elderly-care enterprise in Ningbo Hi-tech Zone, achieving a 'zero breakthrough' in elderly-care industry credit.邮储银行宁波分行向宁波高新区某智慧养老龙头企业发放2000万元贷款，实现养老产业信贷业务“零的突破”。
2026-03-12PSBC Dongyang Branch, as lead arranger, formed a syndicate with 3 banks to provide a 1.005 billion yuan project loan for the Hengjin Reservoir water resource improvement project in Dongyang.邮储银行东阳支行作为牵头行，联合3家银行组建银团，向东阳市横锦水库水资源提升利用工程提供10.05亿元项目贷款。
2026-03-16PSBC Panzhou City Branch successfully disbursed a special loan of 11 million yuan to a roxburgh rose (cili) enterprise for raw material procurement, production line upgrades, and new product R&D.邮储银行盘州市支行成功向一刺梨企业投放1100万元专项贷款，用于原材料采购、生产线技改及新品研发。
2026-03-18PSBC Xinyang Shihe District Branch, in partnership with Xinyang Dingxin Industrial Investment Group, disbursed a 10 million yuan 'Xiao Wei Yi Dai' loan to a pharmaceutical company.邮储银行信阳市浉河区支行联合信阳鼎信产业投资集团，向某医药公司发放1000万元“小微易贷”。
2026-03-18PSBC Jinchang City Branch disbursed a 10 million yuan pure-credit 'Ke Chuang Dai' (Sci-Tech Innovation Loan) to a specialized and new (Zhuan Jing Te Xin) enterprise.邮储银行金昌市分行向一家专精特新企业发放1000万元纯信用“科创贷”。
2026-04-01PSBC Xinxiang branch successfully issued a RMB 293 million long-term project loan to Xinxiang Xintou Baozhangxing Housing Co., Ltd., specifically for the acquisition and renovation of existing commercial housing into government-subsidized rental housing.邮储银行新乡市分行成功向新乡新投保障性住房有限公司发放2.93亿元长期项目贷款，专项用于收购存量商品房改造升级为保障性租赁住房。
2026-04-03In Q1 2026, PSBC cumulatively approved over RMB 20 billion in M&A loans under the new policy and disbursed over RMB 5 billion, covering regions including Beijing, Shandong, Anhui, Guangdong, and Henan.2026年一季度，邮储银行累计批复首批新政项下并购贷款超200亿元，发放超50亿元，覆盖北京、山东、安徽、广东、河南等区域。
2026-04-08PSBC Xinxiang branch, as the sole lead arranger and agent, successfully disbursed the first tranche of a syndicated loan of RMB 240 million for debt replacement to Xinxiang Nan Taihang Tourism Co., Ltd., with a total project size of RMB 1.11 billion.邮储银行新乡市分行作为独家牵头行与代理行，成功为新乡南太行旅游有限公司发放首笔银团债务置换贷款2.4亿元，项目总额11.1亿元。
2026-04-24PSBC Qingyuan branch granted a comprehensive credit line of RMB 500 million to the Qingyuan Pig Farming Association to support the local pig breeding industry.邮储银行清远市分行向清远市养猪协会授予5亿元综合授信额度，支持当地生猪养殖产业。
2026-04-24PSBC Chishui branch successfully granted a credit line of RMB 5 million to Guizhou Chishui Qianlaoweng Sun Vinegar Co., Ltd., a national intangible cultural heritage vinegar maker, to support capacity expansion.邮储银行赤水市支行向国家级非遗晒醋企业贵州赤水黔老翁晒醋有限公司成功授信500万元，支持其扩大产能。
2026-04-27PSBC Yibin branch successfully issued a RMB 46.55 million loan to support the city's 'trade-in' housing project for purchasing second-hand homes as government-subsidized rental housing, the first such loan in Sichuan province.邮储银行宜宾分行成功发放4655万元贷款，用于支持当地商品房“以旧换新”项目购买二手房作为保障性租赁住房，为全省首笔。
2026-05-15Postal Savings Bank of China's Liupanshui branch disbursed RMB 15 million to a specialty food processing 'Specialized and New' enterprise using the national SME cash flow credit information sharing platform.邮储银行六盘水市分行依托全国中小微企业资金流信用信息共享平台，向一家特色食品加工'专精特新'企业发放1500万元贷款。
Policy participation & regulatory compliance政策参与与合规
18 · 2024-02-15 → 2026-03-17
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PSBC participates in national policies, adjusts rates, and complies with regulatory requirements.邮储银行参与国家政策、调整利率并遵守监管要求。
2024-02-15Postal Savings Bank of China has actively connected with the urban real estate financing coordination mechanism, covering 10 provinces including Henan and Sichuan, with a financing amount of 5.7 billion yuan, and has implemented projects in Henan, Guangxi, Guizhou, Dalian and other provinces and cities.邮储银行积极对接城市房地产融资协调机制，共覆盖河南、四川等10个省份，融资金额57亿元，并在河南、广西、贵州、大连等省市落地项目。
2024-02-23Postal Savings Bank of China adjusted some personal financial business service items, including lowering the fee cap for 'rural agent cash withdrawal' services, effective from February 23, 2024.邮储银行调整部分个人金融业务服务项目，下调“助农取款”服务项目的收费上限，自2024年2月23日起执行。
2024-04-25PSBC announced that from May 1, 2024, it will dynamically adjust the minimum purchase amount for its gold accumulation business, setting it above the previous month's average closing price of the Au99.99 contract on the Shanghai Gold Exchange.邮储银行公告，自2024年5月1日起动态调整黄金积存业务购买起点，调整后起点金额高于前一自然月上海黄金交易所Au99.99合约收盘价均价。
2024-05-01PSBC adjusted the minimum purchase amount for gold accumulation business, setting it above the previous month's average closing price of Au99.99 on the Shanghai Gold Exchange and in multiples of 10 yuan.邮储银行调整黄金积存业务购买起点，调整后起点金额高于前一自然月上海黄金交易所Au99.99合约收盘价均价，且为10元的整数倍。
2024-05-13PSBC announced that from May 15, 2024, the automatic rollover function for existing personal call deposits (including 'Mengxiang Jiayouzhan') will be discontinued.邮储银行公告自2024年5月15日起，存量可自动转存的个人通知存款（含梦想加邮站）产品将不再自动转存。
2024-05-27PSBC announced it will conduct personal customer identity information verification starting August 2024, and will restrict services for those with incomplete or invalid information.邮储银行公告自2024年8月起，将对身份信息不完整、不真实或证件过期的个人客户依法开展业务限制。
2024-07-19PSBC announced the launch of a special campaign to remind customers of 'dormant accounts', covering personal bank accounts with no active transactions for 5 years or more as of September 30, 2023, effective until October 15, 2024.邮储银行公告开展“沉睡账户”提醒提示专项工作，针对截至2023年9月30日5年及以上未发生主动交易的账户，时间至2024年10月15日。
2024-07-25PSBC announced a reduction in RMB deposit benchmark interest rates by 10-20 basis points, effective July 25, 2024. New rates: demand 0.15%; 3-month 1.05%, 6-month 1.26%, 1-year 1.38%, 2-year 1.45%, 3-year 1.75%, 5-year 1.80%.邮储银行宣布自2024年7月25日起调降人民币存款挂牌利率10-20基点，活期0.15%，三个月1.05%，六个月1.26%，一年1.38%，二年1.45%，三年1.75%，五年1.80%。
2024-10-18PSBC announced a reduction in RMB deposit benchmark interest rates, effective October 18, 2024. The demand deposit rate was cut to 0.1%. Time deposit rates for 3-month, 6-month, 1-year, 3-year, and 5-year terms were cut to 0.80%, 1.01%, 1.13%, 1.50%, and 1.55% respectively.邮储银行宣布自2024年10月18日起调整人民币存款挂牌利率，活期存款利率下调至0.1%；三个月、半年、一年、三年和五年期定期存款利率分别下调至0.80%、1.01%、1.13%、1.50%和1.55%。
2024-12-18PSBC announced adjustments to its national student loan policy: from the 2024 fall semester, the maximum loan amount for undergraduates is 20,000 yuan/year and for postgraduates 25,000 yuan/year, with interest rates at LPR minus 70 basis points.邮储银行调整国家助学贷款政策：2024年秋季学期起，本专科生最高贷款额度20000元/年，研究生25000元/年，利率为LPR减70个基点。
2025-03-02Postal Savings Bank added as a new participant in the NDRC's investment-loan linkage pilot cooperation mechanism, joining 5 banks to support national key projects and private investment.邮储银行作为新成员加入国家发改委投贷联动试点合作机制，与其他5家银行共同支持国家重点项目和民间投资。
2025-04-01PSBC's agency fee comprehensive rate was adjusted downward from 1.08% to 1.04% starting from the second half of 2024, contributing an estimated 3.7 percentage points to pre-tax profit.邮储银行代理费综合费率由1.08%下调至1.04%（2024年下半年起），预计贡献税前利润增量3.7个百分点。
2025-04-02PSBC announced the first proactive adjustment of the agency fee mechanism, following last year's passive adjustment, to optimize the deposit structure and reduce funding costs.邮储银行宣布首次启动代理费主动调整，继去年被动调整后，旨在优化负债结构、降低付息成本。
2025-04-18The National Financial Regulatory Administration (NFRA) issued a notice on 2025 'three rural' financial work, mentioning deepening the reform of PSBC's agency outlets and piloting comprehensive financial services at agency outlets.金融监管总局发布2025年“三农”金融工作通知，提及深化邮储银行代理网点改革，开展代理网点综合金融服务试点。
2025-05-20PSBC lowered RMB deposit rates on multiple tenors: demand rate cut to 0.05%, 1-year fixed to 0.98% (down 15bp), 3-year to 1.25%, 5-year to 1.30%.邮储银行下调多个期限人民币存款利率：活期降至0.05%，一年期降至0.98%（下调15bp），三年期降至1.25%，五年期降至1.30%。
2025-12-18PSBC formulated and released the 'Action Plan for Supporting the Enclosing and Operation of Hainan Free Trade Port', proposing 29 work measures across six major areas.邮储银行制定并发布《中国邮政储蓄银行支持海南自由贸易港封关建设行动方案》，围绕六大方面提出29条工作举措。
2026-03-02PSBC issued a risk warning on precious metal price volatility, advising customers to strengthen risk awareness and avoid chasing price increases or sell-offs.邮储银行发布贵金属市场价格波动风险提示，建议客户加强风险防范意识，避免追涨杀跌。
2026-03-17PSBC Gannan Prefecture Branch promoted the one-time credit repair policy issued by the People's Bank of China, valid until March 31, 2026, to the public.邮储银行甘南州分行向公众宣传中国人民银行发布的一次性信用修复政策，该政策有效期至2026年3月31日。
Financial results & business updates财务业绩与业务更新
44 · 2024-03-05 → 2026-06-18
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PSBC releases annual, quarterly, and semi-annual financial results and key business metrics.邮储银行发布年度、季度及半年度财务业绩及关键业务指标。
2024-03-05PSBC disclosed that as of mid-February 2024, it had cumulatively disbursed over 50 billion yuan in small loans for spring plowing preparations.邮储银行披露，截至2024年2月中旬，今年向春耕备耕领域累计投放小额贷款超500亿元。
2024-04-02PSBC held its 2023 annual results briefing. Key figures: net profit 86.24 billion yuan, +1.25% YoY; total assets 15.73 trillion yuan, +11.80% YoY; NIM 2.01%; NPL ratio 0.83%, down 1bp YoY; provision coverage 347.57%.邮储银行召开2023年度业绩发布会。关键数据：净利润862.4亿元，同比增长1.25%；总资产15.73万亿元，同比增长11.80%；净息差2.01%；不良贷款率0.83%，同比下降1个基点；拨备覆盖率347.57%。
2024-04-02PSBC Vice President Yao Hong stated that the real estate NPL ratio rose to 2.45% in 2023 due to the inclusion of certain large corporate clients and potential risk projects, but remains at a good level within the industry.邮储银行副行长姚红表示，2023年房地产业不良贷款率升至2.45%，因将个别出险大额对公客户和潜在风险项目纳入不良，但仍处于行业较好水平。
2024-04-07PSBC's 2023 annual report shows it paid 114.9 billion yuan in savings agency fees to the parent China Post Group, accounting for over half of its 222 billion yuan in business and management expenses.邮储银行2023年年报显示，向母公司邮政集团支付储蓄代理费1149亿元，占业务及管理费2220亿元的一半以上。
2024-04-29PSBC released its 2024 Q1 report: revenue 89.43 billion yuan, +1.44% YoY; net profit 25.926 billion yuan, -1.35% YoY; NIM 1.92%; NPL ratio 0.84%, up 1bp from end-2023; provision coverage 326.87%.邮储银行发布2024年一季报：营业收入894.3亿元，同比增长1.44%；净利润259.26亿元，同比下降1.35%；净息差1.92%；不良贷款率0.84%，较上年末上升0.01个百分点；拨备覆盖率326.87%。
2024-05-01Postal Savings Bank of China (PSBC) released Q1 2024 results: revenue +1.4% YoY, net profit attributable to shareholders 25.926 billion yuan, total assets 16.33 trillion yuan (+3.85% vs end-2023), NIM 1.92%, NPL ratio 0.84%, provision coverage 326.87%.邮储银行发布2024年一季报：营收同比增长1.4%，归母净利润259.26亿元，总资产16.33万亿元（较上年末增长3.85%），净息差1.92%，不良贷款率0.84%，拨备覆盖率326.87%。
2024-07-01PSBC held its 2023 annual general meeting of shareholders, attended by major shareholders including China Post Group, China Mobile, China State Shipbuilding Corporation, China Life, State Grid, and DBS Bank. Management addressed issues such as interim dividends, asset quality, industrial fund transfers, and savings agency fee adjustments.邮储银行召开2023年年度股东大会，邮政集团、中国移动、中国船舶、中国人寿、国家电网、星展银行等股东出席，管理层回应了中期分红、资产质量、产业基金转让和储蓄代理费调整等问题。
2024-07-04PSBC announced the 2023 annual profit distribution plan: a cash dividend of 0.2610 yuan per share (tax included), totaling approximately 25.881 billion yuan, based on a total share capital of 99.161 billion shares.邮储银行公布2023年年度权益分派方案：每股派发现金红利0.2610元（含税），共计派发现金红利约258.81亿元。
2024-07-12PSBC ranked 12th in The Banker's 'Top 1000 World Banks 2024' by tier-1 capital of $133.089 billion, maintaining the position for the second consecutive year and entering the global top 20 for four consecutive years. It was the bank with the largest tier-1 capital growth among the top 20 and ranked first in asset quality among China's top 10 banks.邮储银行在《银行家》2024年全球银行1000强中以一级资本1330.89亿美元位列第12位，连续四年进入全球20强，为前20强一级资本增幅最大银行，国内前10强中资产质量排名第一。
2024-08-30PSBC released its 2024 semi-annual report: total assets exceeded 16.41 trillion yuan, revenue 176.789 billion yuan, net profit 48.815 billion yuan, NIM 1.91%, NPL ratio 0.84%.邮储银行发布2024年半年度报告：资产总额突破16.41万亿元，营业收入1767.89亿元，归母净利润488.15亿元，净息差1.91%，不良贷款率0.84%。
2024-09-01Postal Savings Bank of China (PSBC) released its 2024 semi-annual report: total assets reached 16.41 trillion yuan, up 4.37% from end-2023; net profit attributable to parent was 48.815 billion yuan, down 1.51% YoY; NIM was 1.91%; NPL ratio was 0.84%, up 1bp from end-2023; provision coverage ratio was 325.61%.邮储银行发布2024年半年度报告：总资产达16.41万亿元，较上年末增长4.37%；归母净利润488.15亿元，同比下降1.51%；净息差1.91%；不良贷款率0.84%，较上年末上升1BP；拨备覆盖率325.61%。
2024-09-02PSBC announced that it will increase dividend frequency and plans to implement an interim dividend for 2024 at a ratio of 30%, consistent with other major state-owned banks. The specific plan is under study and will be submitted to the shareholders' meeting for approval.邮储银行宣布将增加分红频次，拟按30%的比例进行2024年中期利润分配，与其他大行保持一致，具体方案正在研究制定中，将提交股东大会审批。
2024-09-02PSBC and China Post Group have reached an agreement on the adjustment plan for the savings agency fee. The specific plan will be announced by the end of September, and it is expected to have a positive impact on full-year profit. The growth rate of the agency fee will in principle not exceed the bank's revenue growth rate.邮储银行与邮政集团已就储蓄代理费调整方案达成一致，将于9月底公布具体方案，预计对全年利润带来积极影响，代理费增速原则上不高于银行营收增速。
2024-09-02PSBC launched a '10 major gaps' strategy to find credit assets that balance volume, price, and risk, targeting cross-industry, cross-regional, and cross-capital enterprises with insufficient financial supply.邮储银行推出“十大缝隙”策略，寻找量价险均衡的信贷资产，瞄准跨行业、跨区域、跨资本等金融供给不足的企业。
2024-09-02PSBC's real estate and local government financing platform (LGFV) NPL ratios were 2.25% and 0.81% respectively at end-June 2024, down 0.2ppt and 0.1ppt from end-2023. Corporate wholesale loan NPL ratio was 0.43%, down 0.04ppt.截至2024年6月末，邮储银行房地产业和地方政府融资平台不良贷款率分别为2.25%和0.81%，较上年末分别下降0.2和0.1个百分点；公司批发类贷款不良率0.43%，下降0.04个百分点。
2024-09-02PSBC's retail business director Liang Shidong stated that in H1 2024, the bank's mortgage loan disbursement was nearly 200 billion yuan, with a net increase of over 20 billion yuan, making it the only major state-owned bank with positive growth. Over 90% of the loans were for刚性 (rigid) demand and改善 (improvement) housing needs.邮储银行零售业务总监梁世栋表示，上半年按揭贷款投放近两千亿元，净增超过两百亿元，是国有大行中唯一正增长银行，超90%为刚需和改善型住房需求。
2024-09-02PSBC's H1 2024 agricultural-related loans increased by 180.9 billion yuan net, with a balance of 2.22 trillion yuan, up 8.88% from end-2023. The bank maintained absolute pricing advantages in this segment.邮储银行上半年涉农贷款净增1809亿元，余额2.22万亿元，较上年末增长8.88%，并保持绝对的定价优势。
2024-09-02PSBC's H1 2024 inclusive small-micro enterprise loan balance reached 1.59 trillion yuan, up nearly 18% YoY, accounting for over 18% of total loans.邮储银行上半年末普惠型小微企业贷款余额1.59万亿元，同比增长近18%，在贷款中占比超过18%。
2024-10-01Postal Savings Bank of China (PSBC) announced an adjustment to the savings agency fee rate with China Post Group. The comprehensive agency fee rate will be lowered by 16 bps to 1.08%, reducing agency fees by approximately RMB 15.1 billion based on 2023 data. Rates for demand deposits were cut by 33.8 bps, and for time deposits of 1-year or less by 10.1 bps.邮储银行公告调整与中国邮政集团的储蓄代理费率，综合代理费率下调16个基点至1.08%，以2023年数据静态测算，储蓄代理费将减少约151亿元。活期存款分档费率下调33.8个基点，一年期及以下定期存款费率下调10.1个基点。
2024-10-09PSBC disclosed in its 2024 first extraordinary general meeting materials that it plans to further lower the tiered agency fee rates for agent savings deposits, with the comprehensive rate falling by 16 bps to 1.08%.邮储银行披露2024年第一次临时股东大会会议资料，拟进一步调低代理储蓄存款的分档费率，综合费率下降16个基点至1.08%。
2024-11-01PSBC reported Q3 2024 results: net profit attributable to parent grew 3.50% YoY; fee and commission net income fell 12.65% YoY to RMB 20.715 billion in the first three quarters; net interest margin was 1.89% as of end-Q3; retail AUM reached RMB 16.4 trillion, up 11.4% YoY.邮储银行公布2024年三季度业绩：第三季度归母净利润同比增长3.50%；前三季度手续费及佣金净收入同比下降12.65%至207.15亿元；三季度末净息差为1.89%；零售AUM达16.4万亿元，同比增长11.4%。
2024-12-04PSBC announced it will hold its second extraordinary general meeting on December 20, 2024, to consider the 2024 interim profit distribution plan and the 2023 supervisor remuneration settlement plan.邮储银行公告将于2024年12月20日召开第二次临时股东大会，审议2024年度中期利润分配方案和2023年度监事薪酬清算方案。
2024-12-20PSBC's 2024 second extraordinary general meeting approved the 2024 interim profit distribution plan and other proposals.邮储银行2024年第二次临时股东大会审议通过了2024年度中期利润分配方案等议案。
2025-02-14PSBC Zhangzhou branch was awarded the 2024 'Outstanding Economic Contribution Enterprise' by Zhangzhou Municipal Government. By end-2024, deposits reached RMB 33.8 billion (up RMB 2.4 billion) and loans reached RMB 38.5 billion (up RMB 4.3 billion, ranking first in Fujian province).邮储银行漳州市分行被漳州市政府授予2024年度“突出经济贡献企业”。截至2024年末，各项存款达338亿元，各项贷款达385亿元，新增43亿元列福建省第一。
2025-02-21PSBC reported that as of mid-February 2025, its各级机构 had visited over 630,000 market entities, granted credit of over RMB 410 billion to enterprises on the 'recommended list', and disbursed nearly RMB 300 billion under the small and micro enterprise financing coordination mechanism.截至2025年2月中旬，邮储银行各级机构累计走访市场主体超63万户，已向“推荐清单”内小微企业授信超4100亿元，累计放款近3000亿元。
2025-03-05Postal Savings Bank Zhangzhou Branch's loan balance exceeded 40 billion yuan, reaching 40.155 billion yuan as of February 28, 2025, a milestone in supporting local economic development.截至2025年2月28日，邮储银行漳州市分行各项贷款余额突破400亿元大关，达到401.55亿元，成为支持地方经济发展的里程碑。
2025-04-01PSBC released 2024 annual report: total assets reached RMB 17.08 trillion (+8.64% YoY), net profit attributable to shareholders was RMB 86.48 billion (+0.24% YoY), NIM was 1.87%, NPL ratio was 0.90%, and provision coverage ratio was 286.15%.邮储银行发布2024年年报：总资产17.08万亿元（同比+8.64%），归母净利润864.79亿元（同比+0.24%），净息差1.87%，不良贷款率0.90%，拨备覆盖率286.15%。
2025-05-01Postal Savings Bank of China (PSBC) reported Q1 2025 results: revenue RMB 89.4 billion (YoY -0.07%), net profit attributable to shareholders RMB 25.25 billion (YoY -2.6%), NIM narrowed to 1.70% (QoQ -15bp), NPL ratio rose to 0.91%, provision coverage ratio fell to 266%.邮储银行发布2025年一季度业绩：营收894亿元（同比-0.07%），归母净利润252.5亿元（同比-2.6%），净息差收窄至1.70%（环比-15bp），不良率升至0.91%，拨备覆盖率降至266%。
2025-07-03PSBC was ranked 12th globally in The Banker's 'Top 1000 World Banks 2025' by Tier 1 capital of USD 140.319 billion, maintaining its position for the third consecutive year.邮储银行以2024年末一级资本1403.19亿美元，在英国《银行家》杂志“2025年全球银行1000强”中位列第12位，连续三年保持该排名。
2025-07-11PSBC reported that as of end-June 2025, its technology loan balance exceeded 900 billion yuan, serving over 100,000 tech enterprises.截至2025年6月末，邮储银行科技贷款余额超9000亿元，服务科技型企业突破10万户。
2025-08-06PSBC received the highest rating ('Good') in its first evaluation by the Central Rural Work Leading Group for targeted poverty alleviation work in 2024.邮储银行在2024年度中央单位定点帮扶工作成效考核中首次参评并荣获最高等次“好”的评价。
2025-08-29PSBC released its 2025 semi-annual report: revenue reached 179.446 billion yuan (+1.5% YoY); net profit attributable to shareholders was 49.228 billion yuan (+0.85% YoY); NIM was 1.70%; non-interest income grew 19.09%; intermediate business income was 16.918 billion yuan (+11.59% YoY). Proposed interim dividend of 1.23 yuan per 10 shares.邮储银行发布2025年半年度报告：营业收入1794.46亿元（同比+1.5%）；归母净利润492.28亿元（同比+0.85%）；净息差1.70%；非息收入同比增长19.09%；中间业务收入169.18亿元（同比+11.59%）。拟每10股派发1.23元中期股息。
2025-09-01Postal Savings Bank of China (PSBC) released 2025H1 results: revenue RMB 179.446bn (+1.50% YoY), net profit RMB 49.428bn (+0.85% YoY); NIM 1.70%; total assets exceeded RMB 18 trillion.邮储银行发布2025年上半年业绩：营业收入1794.46亿元（同比+1.50%），净利润492.28亿元（同比+0.85%）；净息差1.70%；总资产突破18万亿元。
2025-09-08PSBC Ganzhou branch's on-balance-sheet loan balance exceeded RMB 40 billion.邮储银行赣州市分行实体贷款余额突破400亿元。
2025-10-30PSBC released its Q3 2025 report: Q3 revenue was 85.634 billion yuan (YoY +2.48%), net profit attributable to shareholders was 27.334 billion yuan (YoY +1.23%). First three quarters revenue was 265.08 billion yuan (YoY +1.82%), net profit was 76.562 billion yuan (YoY +0.98%). NIM was 1.68%, NPL ratio was 0.94%.邮储银行发布2025年第三季度报告：三季度营收856.34亿元（同比+2.48%），归母净利润273.34亿元（同比+1.23%）；前三季度营收2650.8亿元（同比+1.82%），归母净利润765.62亿元（同比+0.98%）。净息差1.68%，不良贷款率0.94%。
2025-11-01Postal Savings Bank of China (PSBC) reported 9M25 net profit attributable to parent up 1.0% YoY, NIM at 1.68% at end-Q3, non-interest income up 20.2% YoY.邮储银行前三季度归母净利润同比增长1.0%，三季度末净息差1.68%，非息收入同比增长20.2%。
2026-01-05PSBC announced the implementation plan for its 2025 interim profit distribution, distributing a cash dividend of 0.1230 yuan per share (tax included), totaling approximately 14.77 billion yuan, with the record date on January 9, 2026 and ex-dividend date on January 12, 2026.邮储银行公布2025年半年度权益分派实施公告，每股派发现金红利0.1230元（含税），共计派发现金红利约147.72亿元，股权登记日为2026年1月9日，除权除息日为2026年1月12日。
2026-04-01Postal Savings Bank of China (PSBC) released its 2025 annual report: revenue of RMB 355.728 billion (+1.99% YoY), net profit of RMB 87.623 billion (+1.05% YoY), total assets of RMB 18.68 trillion (+9.35% YoY), NPL ratio of 0.95%, and NIM of 1.66% (best among large state-owned banks).邮储银行发布2025年年报：全年营业收入3557.28亿元（同比+1.99%），净利润876.23亿元（同比+1.05%），资产总额18.68万亿元（同比+9.35%），不良贷款率0.95%，净息差1.66%（国有大行最优）。
2026-04-01PSBC's corporate banking business grew strongly in 2025: corporate loans increased 17.09% YoY, corporate FPA reached RMB 6.79 trillion (first time incremental amount exceeded RMB 1 trillion), and corporate financial intermediary business income grew 32.34% YoY.邮储银行2025年对公业务强劲增长：公司贷款较上年末增长17.09%，公司客户融资总量（FPA）达6.79万亿元（增量首破万亿），公司金融中间业务收入同比增长32.34%。
2026-04-29PSBC released its 2026 Q1 report: operating revenue of RMB 96.162 billion (+7.61% YoY), net profit of RMB 25.846 billion (+1.91% YoY). Total assets reached RMB 19.51 trillion. NPL ratio was 0.99%, and NIM was 1.65%.邮储银行发布2026年一季报：营业收入961.62亿元（同比+7.61%），净利润258.46亿元（同比+1.91%），资产总额19.51万亿元，不良贷款率0.99%，净息差1.65%。
2026-05-01Postal Savings Bank of China reported 1Q26 results: total assets reached RMB 19.51 trillion, customer loans exceeded RMB 10 trillion, deposits reached RMB 17 trillion; net profit attributable to shareholders was RMB 25.726 billion, up 1.9% YoY; NPL ratio rose 4bp QoQ to 0.99%.邮储银行发布一季度业绩：总资产达19.51万亿元，客户贷款突破10万亿元，存款达17万亿元；归母净利润257.26亿元，同比增长1.9%；不良贷款率环比上升4个基点至0.99%。
2026-05-26Postal Savings Bank of China's board approved the '2026 Quality and Efficiency Enhancement Action Plan', which includes optimizing the dividend mechanism (maintaining 30% cash dividend rate since 2018, implementing interim dividends from 2024, and offering H-share holders RMB dividend option from 2025).邮储银行董事会审议通过《2026年度'提质增效重回报'行动方案》，提出优化分红机制（2018年至今现金分红率保持30%，2024年起实施中期分红，2025年起赋予H股股东人民币派息选择权）。
2026-06-04Announced the final dividend for the year, distributing 0.953 yuan per 10 shares, payable on August 19, 2026.宣布派发末期股息，每10股0.953元，将于2026年8月19日派发。
2026-06-18The bank was rated 'Good' (the highest grade) for the second consecutive year in the 2025 central unit targeted assistance work performance evaluation by the Central Rural Work Leading Group.在2025年度中央单位定点帮扶工作成效考核评价中，连续第二年荣获最高等次“好”的评价。
Donations & social responsibility捐赠与社会责任
1 · 2024-03-12
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PSBC makes charitable donations and engages in social responsibility initiatives.邮储银行进行慈善捐赠并参与社会责任活动。
2024-03-12PSBC Luzhou Branch donated 1 million yuan to the Luzhou Charity Federation to establish the 'Luzhou Women and Children Development Fund'.邮储银行泸州市分行向泸州市慈善总会捐赠100万元设立“泸州市妇女儿童发展基金”。
Capital actions & shareholder moves资本运作与股东变动
51 · 2024-03-18 → 2026-06-11
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PSBC raises capital, issues bonds, and sees major shareholder stake changes.邮储银行进行资本补充、债券发行，并经历主要股东持股变动。
2024-03-18PSBC successfully issued the first tranche of 2024 perpetual subordinated bonds (300 billion yuan, coupon rate 2.73%) to replenish Tier 1 capital.邮储银行成功发行2024年第一期无固定期限资本债券（300亿元，票面利率2.73%），用于补充其他一级资本。
2024-04-26PSBC's registered capital increased from approximately 92.38 billion yuan to approximately 99.16 billion yuan, according to a business registration change.邮储银行注册资本由约923.8亿元增至约991.6亿元，完成工商变更。
2024-05-27PSBC announced it will invest 8 billion yuan in the National Integrated Circuit Industry Investment Fund Phase III, holding a 2.33% stake, to be paid in within 10 years of the fund's establishment.邮储银行公告拟向国家集成电路产业投资基金三期股份有限公司出资80亿元，持股比例2.33%，10年内实缴到位。
2024-05-30PSBC board approved the transfer of trust beneficiary rights and asset management plan beneficiary rights (underlying 9 industrial funds and 1 fund management company) to Zhongyou Capital for a total consideration of 51.576 billion yuan, expecting a gain of about 847 million yuan.邮储银行董事会审议通过向中邮资本转让底层为9支产业基金和1支产业基金管理公司份额收益权的信托受益权及资管计划收益权，总代价515.76亿元，预计确认收益约8.47亿元。
2024-06-03PSBC signed a contract with China Post Capital to transfer trust beneficiary rights and asset management plan beneficiary rights for a total consideration of 51.576 billion yuan.邮储银行与中邮资本管理有限公司签订合同，转让信托受益权和资产管理计划收益权，总价款515.76亿元。
2024-06-07PSBC announced it will hold its annual general meeting of shareholders on June 28, 2024, to review proposals including the revision of the company's equity management measures.邮储银行公告将于2024年6月28日召开年度股东大会，审议修订股权管理办法等议案。
2024-06-14Vanke announced it applied for a total of 4.1 billion yuan in loans from PSBC Shenzhen Branch, secured by project assets from its subsidiaries Xuzhou Wanzhe and Xi'an Wangao.万科公告向邮储银行深圳分行申请贷款共计41亿元，由子公司徐州万喆、西安万高提供抵押担保。
2024-08-05PSBC board of directors meeting approved the '2024-2026 Three-Year Capital Rolling Plan' and '2024 Capital Adequacy Management Plan', and adjusted the composition of board committees.邮储银行董事会会议审议通过《2024-2026年三年资本滚动规划》及《2024年资本充足率管理计划》，并调整董事会专门委员会人员组成。
2024-10-18Li Ka-shing and his son Victor Li reduced their stake in PSBC H-shares by approximately 101 million shares between October 14 and 17, 2024, for about HKD 475 million. Their holding dropped from 9.03% to 7.96%.李嘉诚及李泽钜于2024年10月14日和17日减持邮储银行H股约1.01亿股，套现约4.75亿港元，持股比例由9.03%下降至7.96%。
2024-11-01Li Ka-shing and his son Victor Li reduced their H-share holdings in Postal Savings Bank of China (PSBC) by approximately 20.153 million shares at an average price of HKD 4.6294 per share, involving about HKD 93.2963 million. After the reduction, their stake dropped to 5.97%.李嘉诚、李泽钜父子以均价4.6294港元/股减持邮储银行H股约2015.3万股，涉及资金约9329.63万港元，持股比例降至5.97%。
2024-11-05PSBC issued the '24 Postal Savings Perpetual Bond 01', a 300 billion RMB perpetual capital bond (first tranche of 2024), with a maturity date of March 18, 2029.邮储银行发行“24邮储永续债01”，为2024年第一期无固定期限资本债券，实际发行量300亿元，到期兑付日2029年3月18日。
2024-12-12Li Ka-shing, Victor Li, and the Li Ka Shing Foundation reduced their stake in PSBC H-shares by 20.82 million shares at an average price of HKD 4.5408 per share, lowering their holding from 5.07% to 4.96%.李嘉诚、李泽钜及李嘉诚基金会以每股4.5408港元减持邮储银行H股2082万股，持股比例由5.07%降至4.96%。
2024-12-23Himalaya Capital, led by Li Lu, sold 20 million PSBC H-shares on December 6, reducing its holding to approximately 1.178 billion shares, with cumulative sales of 96.209 million shares in H2 2024.李录旗下喜马拉雅资本于12月6日减持2000万股邮储银行H股，持股降至约11.78亿股，下半年累计减持9620.9万股。
2025-01-15Ping An Life Insurance disclosed that its entrusted funds, managed by Ping An Asset Management, invested in PSBC H-shares, reaching 5% of PSBC's H-share capital on Jan 8, triggering a disclosure.平安人寿公告，平安资管受托平安人寿资金投资于邮储银行H股股票，于2025年1月8日达到邮储银行H股股本的5%，触发举牌。
2025-02-11Ping An Asset Management increased its stake in PSBC (H-share) by 16.082 million shares on Feb 6, raising its holding from 5.97% to 6.05%, at an average price of HKD 4.612, costing approximately HKD 74.17 million.平安资管于2月6日增持邮储银行H股1608.2万股，持股比例由5.97%升至6.05%，均价4.612港元，涉资约7417万港元。
2025-02-12China Ping An Insurance Group increased its stake in PSBC (H-share) by 24.818 million shares on Feb 7, at an average price of HKD 4.5758, costing approximately HKD 114 million, raising its holding to 6.09%.中国平安于2月7日增持邮储银行H股2481.8万股，每股作价4.5758港元，总金额约1.14亿港元，持股比例升至6.09%。
2025-02-21PSBC completed the issuance of its 2025 first tranche of perpetual subordinated bonds (Bond Connect) on the interbank market, raising RMB 30 billion with a coupon rate of 1.99% for the first 5 years. The issuance was oversubscribed 2.86 times with over 150 institutional investors.邮储银行在全国银行间债券市场完成发行2025年第一期无固定期限资本债券（债券通），规模300亿元，前5年票面利率1.99%，全场认购倍数2.86倍，超150家机构参与。
2025-02-27China Ping An Insurance Group further increased its stake in PSBC (H-share) by 13.084 million shares on Feb 20, at an average price of HKD 4.9195, costing approximately HKD 64.37 million, raising its holding from 6.94% to 7.00%.中国平安于2月20日进一步增持邮储银行H股1308.4万股，均价4.9195港元，涉资约6436.67万港元，持股比例由6.94%升至7.00%。
2025-04-01PSBC announced a private placement of A-shares at RMB 6.32/share to raise RMB 130 billion from the Ministry of Finance, China Mobile, and China State Shipbuilding Corporation to replenish core Tier-1 capital, expected to boost the core Tier-1 capital adequacy ratio by ~1.5 percentage points to 11.07%.邮储银行公告拟以6.32元/股向财政部、中国移动、中国船舶定向增发A股募资1300亿元，用于补充核心一级资本，静态测算核心一级资本充足率将提升约1.5个百分点至11.07%。
2025-04-02At the 2024 results conference, PSBC Chairman Zheng Guoyu stated that the bank has been included in the first batch of special treasury bond注资 banks, with a RMB 130 billion capital injection from the Ministry of Finance and strategic shareholders, and is accelerating the implementation of the Advanced Measurement Approach (AMA) for capital.邮储银行董事长郑国雨在业绩发布会上表示，该行已纳入特别国债首批注资行，获财政部及战略股东增资1300亿元，并正加快推进资本计量高级法落地。
2025-04-08PSBC controlling shareholder China Post Group increased its A-share holdings by 19.9102 million shares (0.02% of total shares) via centralized竞价 on April 8, and plans to continue增持 within 12 months.邮储银行控股股东中国邮政集团于4月8日通过集中竞价增持1991.02万股A股（占总股本0.02%），并计划12个月内继续增持。
2025-05-08Ping An Asset Management increased its H-share stake in PSBC to 10.05%.平安资产管理公司在邮储银行H股的持股比例升至10.05%。
2025-05-09PSBC's application to issue A-shares to specific investors passed the Shanghai Stock Exchange review; the matter still requires CSRC approval.邮储银行向特定对象发行A股股票申请获上交所审核通过，尚需证监会同意注册。
2025-05-23PSBC received CSRC approval for its registered application to issue A-shares to specific investors, with a validity period of 12 months.邮储银行向特定对象发行A股股票注册申请获证监会批复同意，批复自同意注册之日起12个月内有效。
2025-05-24PSBC announced a planned A-share private placement of up to RMB 130 billion to the Ministry of Finance, China Mobile Group, and China State Shipbuilding Corporation at RMB 6.21 per share, totaling about 20.934 billion shares, to replenish Tier-1 capital.邮储银行拟向财政部、中国移动集团、中国船舶集团定向增发A股，募资不超过1300亿元，发行价6.21元/股，约209.34亿股，用于补充核心一级资本。
2025-06-17Completed A-share private placement of 130 billion yuan to the Ministry of Finance, China Mobile Group, and China State Shipbuilding Corporation to replenish core Tier-1 capital.完成向财政部、中国移动集团、中国船舶集团定向增发A股，募集资金总额1300亿元，全部用于补充核心一级资本。
2025-06-20Ping An Life Insurance increased its stake in Postal Savings Bank of China H-shares to over 12%, spending approximately HKD 7 billion since January.平安人寿增持邮储银行H股，持股比例突破12%，自1月以来累计耗资约70亿港元。
2025-07-04Ping An Life Insurance increased its stake in PSBC H-shares by 22.446 million shares on June 30, with total consideration of approximately HKD 123 million, raising its holding to over 13% of total H-shares.平安人寿于6月30日增持邮储银行H股2244.6万股，涉资约1.23亿港元，持股占H股总数突破13%。
2025-07-18Ping An Asset Management increased its stake in PSBC from 13.94% to 14.05%.平安资产管理公司在邮储银行的持股比例从13.94%提高到14.05%。
2025-07-25Ping An Life Insurance increased its stake in PSBC H-shares by 22.909 million shares on July 22, with total consideration of approximately HKD 132 million, raising its holding to 14.10%.平安人寿于7月22日增持邮储银行H股2290.9万股，涉资约1.32亿港元，持股比例升至14.10%。
2025-08-05Ping An Insurance (Group) increased its stake in PSBC H-shares by 9.357 million shares at approximately HK$5.51 per share on August 1, raising its total holding to 15.02%.中国平安于8月1日以每股约5.51港元增持邮储银行H股935.7万股，持股比例升至15.02%。
2025-08-13Ping An Life Insurance increased its stake in PSBC H-shares on August 8, purchasing approximately 14 million shares at an average price of HK$5.6830 per share, raising its holding to 15.05%.平安人寿于8月8日以每股平均5.6830港元增持邮储银行H股约1400万股，持股比例升至15.05%。
2025-08-15PSBC announced the planned issuance of its 2025 Technology Innovation Bond (Tranche 1) (Bond Connect) with a total size of 5 billion yuan, comprising a 3 billion yuan 5-year fixed-rate tranche and a 2 billion yuan 3-year floating-rate tranche.邮储银行计划发行2025年科技创新债券（第一期）（债券通），总规模50亿元，含30亿元5年期固定利率品种和20亿元3年期浮动利率品种。
2025-08-15Ping An Life Insurance announced that its investment in PSBC H-shares reached 15% of H-share capital on August 8, triggering a disclosure requirement under Hong Kong rules; this is its third such filing in 2025.平安人寿公告其投资邮储银行H股于8月8日达到H股股本的15%，触发香港市场举牌披露要求，系2025年第三次举牌。
2025-08-18PSBC successfully underwrote and issued a 1.07 billion yuan floating-rate bond for Shanxi Lu'an Mining Industry (Group) Co., with a 2+2 year term and a coupon rate of 1.74%, linked to the 1-year LPR.邮储银行为山西潞安矿业集团承销发行10.7亿元浮动利率债券，期限2+2年，票面利率1.74%，挂钩1年期LPR。
2025-08-19PSBC successfully issued its first Technology Innovation Bond (Tranche 1) on the interbank bond market, raising 5 billion yuan. Tranche 1 (5Y fixed, 3.0B yuan) had a coupon of 1.82% (3.1x oversubscribed); Tranche 2 (3Y floating, 2.0B yuan) had a coupon of 1.80% (2.5x oversubscribed). It was the market's first 3-year floating-rate tech innovation bond and first to use the ChinaBond blockchain book-building system.邮储银行在银行间债券市场成功发行首期科技创新债券50亿元。品种一（5年期固定利率30亿元）票面利率1.82%（认购倍数3.1倍）；品种二（3年期浮动利率20亿元）发行利率1.80%（认购倍数2.5倍）。品种二为全市场首单3年期浮息科技创新债券及首单应用中债区块链簿记建档发行系统的浮息科创债。
2025-09-01PSBC issued '2025 Sci-Tech Innovation Bond (Tranche 1) (Bond Connect)'; rated AAA by Golden Credit Rating.邮储银行发行“2025年科技创新债券（第一期）（债券通）”，东方金诚评定主体信用等级为AAA。
2025-09-05Ping An Insurance increased its stake in PSBC H-shares via market purchase, raising its holding to 16.01%.中国平安通过市场增持邮储银行H股股份，持股比例升至16.01%。
2025-10-09PSBC announced a plan to absorb and merge its wholly-owned subsidiary, Zhongyou Youhui Wanjia Bank Co., Ltd. The merger requires approval from the NFRA. After completion, Youhui Wanjia Bank's legal entity will be cancelled, and its business, property, and debts will be assumed by PSBC.邮储银行公告拟吸收合并全资子公司中邮邮惠万家银行有限责任公司，该事项需报请国家金融监督管理总局批准后实施。合并完成后，邮惠万家银行的独立法人资格将被注销。
2025-10-27PSBC received approval from the NFRA to establish Zhongyou Financial Asset Investment Co., Ltd. (tentative name) as a wholly-owned first-level subsidiary with a registered capital of 10 billion yuan, to conduct market-oriented debt-to-equity swaps and equity investment pilot businesses.邮储银行收到国家金融监督管理总局批复，同意筹建中邮金融资产投资有限公司（暂定名），注册资本100亿元，作为全资一级子公司管理，开展市场化债转股及股权投资试点业务。
2025-12-02PSBC announced an interim dividend of RMB 1.23 per 10 shares, payable on 2026-02-13.邮储银行宣布每10股派发中期股息1.23元，将于2026年2月13日派发。
2025-12-03PSBC's third extraordinary general meeting of 2025 approved the 2025 interim profit distribution plan (RMB 14.772 billion total, 30% of H1 net profit), director/supervisor remuneration, revised authorization plan, and a plan to issue up to RMB 70 billion in financial bonds.邮储银行2025年第三次临时股东大会批准了2025年度中期利润分配方案（合计派息约147.72亿元，占上半年归母净利润的30%）、2024年度董事及监事薪酬清算方案、修订后的《股东大会对董事会授权方案》以及发行不超过700亿元人民币等值金融债券的计划。
2026-01-04Postal Savings Bank of China (PSBC) received regulatory approval to absorb and merge its wholly-owned subsidiary, Zhongyou Youhui Wanjia Bank (Youhuijia Bank), which will be dissolved after taking over its assets, liabilities, business and employees.邮储银行获监管批复吸收合并全资子公司中邮邮惠万家银行，承接其资产、负债、业务和员工，邮惠万家银行解散。
2026-03-18PSBC announced that 5.405 billion restricted A-shares held by its controlling shareholder, China Post Group, will be listed for trading on March 25, 2026, accounting for 4.50% of total share capital.邮储银行公告，控股股东中国邮政集团所持54.05亿股限售A股将于2026年3月25日上市流通，占总股本4.50%。
2026-04-02PSBC received regulatory approval from the National Financial Regulatory Administration (NFRA) to increase its registered capital from RMB 99.161 billion to RMB 120.095 billion, following the completion of a private A-share placement on June 19, 2025.邮储银行收到国家金融监督管理总局批复，同意其注册资本由人民币991.61亿元增加至人民币1200.95亿元，源于2025年6月19日完成的向特定对象发行A股股票。
2026-04-07NFRA approved the opening of Zhongyou Financial Asset Investment Co., Ltd. (Zhongyou Investment), a wholly-owned subsidiary of PSBC with a registered capital of RMB 10 billion, to conduct market-oriented debt-to-equity swaps and equity investment pilot businesses.国家金融监管总局批复同意中邮金融资产投资有限公司（中邮投资）开业，由邮储银行发起设立，注册资本100亿元，开展市场化债转股及股权投资试点业务。
2026-04-09PSBC's controlling shareholder, China Post Group, completed its share buyback plan, cumulatively increasing its A-share holdings by 103,048,300 shares (0.0858% of total shares) for a total amount of RMB 526 million between April 8, 2025 and April 7, 2026.邮储银行控股股东中国邮政集团完成增持计划，于2025年4月8日至2026年4月7日期间累计增持A股1.03亿股（占总股本0.0858%），增持金额5.26亿元。
2026-05-01Postal Savings Bank of China completed registration of capital increase, with registered capital rising from RMB 99,161,076,038 to RMB 120,095,053,492 (+21.1%), approved by NFRA on 2 April 2026.邮储银行完成注册资本变更登记，注册资本由人民币99,161,076,038元增至120,095,053,492元（增幅21.1%），于2026年4月2日获国家金融监督管理总局核准。
2026-05-06Postal Savings Bank of China completed the absorption and merger of its wholly-owned subsidiary, Zhongyou Youhui Wanjia Bank (Youhui Wanjia Bank); the subsidiary's business registration has been cancelled, and the bank completed the corresponding industrial and commercial changes.邮储银行完成对全资子公司中邮邮惠万家银行的吸收合并，该子公司企业登记注销手续已办理完毕，银行同步完成工商变更登记。
2026-06-04Completed the issuance of the 2026 Perpetual Subordinated Bond (Tranche 1) (Bond Connect) on the interbank market, raising 30 billion yuan with a coupon rate of 1.88% for the first 5 years, to replenish Tier-1 capital.完成2026年无固定期限资本债券（第一期）（债券通）的发行，发行规模300亿元，前5年票面利率1.88%，用于补充其他一级资本。
2026-06-11Completed the issuance of the 2026 Tier-2 Capital Bond (Tranche 1) (Bond Connect) on the interbank market, raising 40 billion yuan with a coupon rate of 1.92% for a 10-year term, to replenish Tier-2 capital.完成2026年二级资本债券（第一期）（债券通）的发行，发行规模400亿元，票面利率1.92%，期限10年，用于补充二级资本。
IP & patents知识产权与专利
3 · 2024-04-02 → 2025-07-10
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PSBC launched digital platforms and scenario-based services, including smart campus and interbank ecosystem projects.邮储银行推出数字平台和场景化服务，包括智慧校园和同业生态项目。
2024-04-02PSBC Vice President Xu Xueming announced that the 'Youni Tongying' interbank ecosystem platform has registered over 2,400 interbank clients, with cumulative transaction volume exceeding 2 trillion yuan since its launch in February 2023.邮储银行副行长徐学明宣布，“邮你同赢”同业生态平台自2023年2月上线以来，注册同业客户超2400家，累计交易金额突破2万亿元。
2024-09-18PSBC Qinhuangdao branch successfully implemented multiple 'Smart Campus' SASS+ scenario projects, completing the card issuance and activation for over 2,000 people in 17 days for one high school, providing integrated financial and campus life services.邮储银行秦皇岛市分行成功落地多个智慧校园SASS+场景项目，17天内为某高中完成2000余人的开卡及加办工作，提供金融+校园生活一体化服务。
2025-07-10PSBC Tianjin Branch launched the 'You Ni Tong Xing · Jia Qi Gong Ying' comprehensive service system for tech enterprises, integrating credit, wealth management, trust, and insurance to meet full-cycle needs.邮储银行天津分行发布“邮你同行·家企共赢”综合服务体系，整合信贷、财富管理、信托保险等，满足科技企业全周期需求。
Rural revitalization & agricultural finance乡村振兴与农业金融
10 · 2024-04-18 → 2026-02-28
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PSBC supports agriculture, rural areas, and farmers through dedicated loans and service models.邮储银行通过专项贷款和服务模式支持“三农”发展。
2024-04-18PSBC headquarters issued an opinion on using the 'Thousand Village Demonstration, Ten Thousand Village Renovation' experience to effectively support comprehensive rural revitalization, outlining 12 measures in 5 areas.邮储银行总行出台《关于学习运用“千村示范、万村整治”工程经验有力有效助力乡村全面振兴的落实意见》，提出5个方面12项工作措施。
2024-05-16PSBC's 'active credit granting' model for agriculture, rural areas, and farmers was selected by the Ministry of Agriculture and Rural Affairs as one of the top 10 innovative financial models for agricultural support in 2023.邮储银行三农客户“主动授信”模式入选农业农村部2023年金融支农十大创新模式。
2024-08-20The first 'National Bond Distribution to Rural Areas Demonstration Site' in Xiangxi Prefecture was established at PSBC Yongshun County Wanping Town Sub-branch.湘西州首个“湖南省国债下乡示范点”在邮储银行永顺县万坪镇支行挂牌成立。
2024-09-05PSBC Gansu branch and Gansu Agricultural Credit Guarantee Co. successfully launched the 'Bank-Guarantee Direct Connection System' and completed the first loan disbursement, enabling paperless, information-sharing agricultural loan processing.邮储银行甘肃省分行与甘肃省农担公司“银担直连系统”成功上线并完成首笔放款，实现无纸化、信息共享的农业贷款办理。
2024-12-04PSBC Fujian branch reported that as of end-October 2024, its cumulative agricultural-related loan disbursements for the year exceeded 58 billion yuan, with a balance of over 95 billion yuan.邮储银行福建省分行截至2024年10月末，全省涉农贷款年累计投放超580亿元，余额超950亿元。
2025-04-14PSBC issued 18 work measures to implement the central document on rural revitalization, focusing on grain security, agricultural technology, and facility agriculture.邮储银行印发18条工作举措落实中央关于深化农村改革推进乡村全面振兴的意见，聚焦粮食安全、农业科技和设施农业。
2025-07-02PSBC Hengshui City Branch signed pre-credit意向 agreements for 'Industry Loan' and 'Agriculture & Animal Husbandry Loan' with 20 businesses and farmers, totaling 17.4 million yuan, at a 'Three to the Countryside' event in Wuyi County.邮储银行衡水市分行在武邑县“三下乡”活动中，与20家商户和农户签署产业贷、农牧贷预授信意向书，总金额1740万元。
2026-02-27PSBC Lanzhou Branch disbursed 1 million yuan in 'Nong Mu Dai' (agricultural and animal husbandry loan) to a large-scale farmer in Yuzhong County for spring farming preparations, with funds credited within one day.邮储银行兰州市分行向榆中县一种植养殖大户发放100万元“农牧贷”，用于春耕备耕，从申请到到账仅用1天。
2026-02-27PSBC Qingyang Branch disbursed 950,000 yuan in 'Nong Mu Dai' to a sheep farmer in Huan County, and 300,000 yuan to another farmer, supporting local meat sheep industry expansion.邮储银行庆阳市分行向环县肉羊养殖户发放“农牧贷”95万元和30万元，助力当地肉羊产业扩大规模。
2026-02-28PSBC Guanghe County Branch held a financial knowledge outreach event, receiving over 300 farmer inquiries, accepting 50 loan applications on-site, with total amount exceeding 3 million yuan, including a 300,000 yuan 'Chan Ye Dai' (industry loan) to a livestock farmer.邮储银行广河县支行开展金融知识下乡活动，累计接待咨询农户300余人次，现场受理贷款申请50户、金额突破300万元，其中向一养殖大户发放30万元“产业贷”。
Auditor & governance changes审计师与治理变更
2 · 2024-04-29 → 2025-12-16
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PSBC appoints auditors and adjusts corporate governance structure.邮储银行任命审计师并调整公司治理结构。
2024-04-29PSBC board agreed to renew the appointment of Deloitte Touche Tohmatsu Certified Public Accountants LLP as its auditor for the 2024 fiscal year.邮储银行董事会同意续聘德勤华永会计师事务所为2024年度审计机构。
2025-12-16PSBC announced it will no longer have a board of supervisors, effective upon regulatory approval of its amended articles of association. The audit committee of the board of directors will exercise the relevant functions.邮储银行公告称，自公司章程修订获核准生效之日起，不再设立监事会，由董事会审计委员会依法行使监事会相关职权。
Product & service launches产品与服务发布
6 · 2024-05-08 → 2026-06-25
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PSBC introduced new financial products and services, including fee waivers, commemorative coins, and loan programs.邮储银行推出新的金融产品和服务，包括费用减免、纪念币和贷款计划。
2024-05-08PSBC announced that from May 16, 2024, it will stop the 'Yijintong' APP and 'Precious Metals Independent Trading Terminal (Personal Version)' channels for its agency Shanghai Gold Exchange personal precious metals business.邮储银行公告自2024年5月16日起，停止代理上海黄金交易所个人贵金属业务的“易金通”APP与“贵金属独立交易端（个人版）”交易渠道服务。
2024-12-17PSBC announced adjustments to its service price catalog, including adding a free 'domestic and foreign currency inward remittance' service, and clarifying a one-year fee waiver for first-time SMS alerts on ShengYi cards.邮储银行发布服务价格调整公告，新增“境内外币收汇”免费项目，明确生意卡首次加办短信通知免收手续费1年。
2025-04-14PSBC announced it will waive the 'exchange rate difference' fee for personal foreign currency cash and remittance transactions, effective from April 1, 2025.邮储银行公告自2025年4月1日起免收个人外币“钞汇差价”手续费。
2025-11-14PSBC announced it will distribute 8.6706 million Peking Opera-themed ordinary commemorative coins (面额5元) via reservation and exchange in certain regions.邮储银行公告将承担京剧艺术普通纪念币共867.06万枚的预约兑换工作。
2026-03-10PSBC announced a system upgrade on March 13-14, 2026, raising the default transfer limit for mobile banking digital certificate accounts from 10,000 yuan per transaction/daily to 20,000 yuan.邮储银行宣布于2026年3月13日至14日进行系统升级，将手机银行数字证书账户默认转账限额从单笔/日累计1万元提高至2万元。
2026-06-25Putian City Branch successfully landed a 10 million yuan loan under the private investment special guarantee plan for Putian Xiyan Catering Management Co., Ltd., with a 24-month term, to support the local wedding and cultural tourism industry.莆田市分行为莆田市喜宴餐饮管理有限公司落地民间投资专项担保计划贷款1000万元，期限24个月，支持本土“红喜宴”婚庆文旅IP。
Real estate & housing finance房地产与住房金融
3 · 2024-05-10 → 2025-01-21
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PSBC manages real estate loans, mortgage adjustments, and housing provident fund services.邮储银行管理房地产贷款、房贷利率调整及住房公积金服务。
2024-05-10PSBC Heyuan branch obtained the qualification to undertake housing provident fund deposit and entrusted loan business from the municipal housing provident fund management center.邮储银行河源市分行获得市住房公积金管理中心承办住房公积金缴存归集和委托贷款业务资格。
2024-10-12PSBC announced it will conduct a batch adjustment of existing individual housing loan interest rates starting October 25, 2024. For LPR-based floating-rate loans with a spread higher than -30 bps, the spread will be adjusted to -30 bps.邮储银行发布公告，将于2024年10月25日起开展批量调整存量个人住房贷款利率工作。对于以LPR为定价基准的存量浮动利率房贷，加点幅度高于-30BP的，调整为-30BP。
2025-01-21PSBC Zhanjiang Branch approved to undertake personal second-hand housing provident fund loans and combined loans, supported by Zhanjiang Housing Provident Fund Management Center.邮储银行湛江市分行获批承办个人二手住房公积金贷款及组合贷款业务。
Index inclusion & industry recognition指数纳入与行业认可
4 · 2024-05-31 → 2025-11-18
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PSBC is included in major indices and receives industry awards and recognitions.邮储银行被纳入主要指数并获得行业奖项与认可。
2024-05-31PSBC was added to the SSE 50 Index, effective after market close on June 14, 2024.邮储银行获调入上证50指数，于2024年6月14日收市后生效。
2024-12-06PSBC's mobile banking ranked first in both user experience and service assurance scores in the '2024 China Digital Bank Survey Report' by CFCA, with user experience ranking first for two consecutive years.邮储银行手机银行在CFCA《2024中国数字银行调查报告》中用户体验及服务保障得分均位列行业第一，用户体验连续两年第一。
2025-08-05PSBC Putian branch's 'Climate Finance Empowering New Quality Productive Forces' project won the 2024 Fujian Financial Innovation Typical Case award.邮储银行莆田市分行《气候金融赋能新质生产力》项目荣获“2024年度福建金融创新典型案例”。
2025-11-18PSBC's 'Youying Insight' (邮赢洞见) banking panoramic data analysis engine was selected as one of the 'Top 10 Data Management Innovation Cases' of 2025 by the China Electronic Information Industry Federation.邮储银行“邮赢洞见”银行业全景数据分析引擎入选2025年“十大数据管理创新案例”。
Executive & governance高管与治理
5 · 2024-05-31 → 2026-01-30
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PSBC held board meetings and general meetings to elect directors and approve dividends and governance matters.邮储银行召开董事会和股东大会，选举董事并批准分红和治理事项。
2024-05-31PSBC board proposed to implement an interim dividend for the first half of 2024, with the total interim dividend not exceeding 30% of the net profit attributable to shareholders in the first half of 2024.邮储银行董事会提议实施2024年度中期分红派息，中期股利总额占2024年半年度归母净利润比例不高于30%。
2024-07-25PSBC confirmed plans for a 2024 interim dividend, with the total interim dividend not exceeding 30% of the net profit attributable to the bank's shareholders in the first half of 2024, subject to distributable profits.邮储银行确认拟实施2024年度中期分红，中期股利总额占2024年半年度归母净利润的比例不高于30%。
2025-01-06PSBC announced the first extraordinary general meeting of 2025 on Jan 22 to elect Zheng Guoyu as non-executive director and Yang Yong as independent non-executive director.邮储银行公告将于2025年1月22日召开第一次临时股东大会，审议选举郑国雨为非执行董事、杨勇为独立非执行董事的议案。
2025-01-22PSBC's first extraordinary general meeting of 2025 approved the election of Zheng Guoyu as non-executive director.邮储银行2025年第一次临时股东大会审议通过了选举郑国雨为非执行董事的议案。
2026-01-30PSBC held its 2026 annual work conference in Beijing, summarizing the '14th Five-Year Plan' experience and planning for the '15th Five-Year Plan', proposing to advance 'Six Modernizations' upgrades and fight 'Six Tough Battles'.邮储银行2026年工作会议在京召开，总结“十四五”经验，谋划“十五五”发展，提出推进“六化”升级，打好“六场攻坚战”。
Cross-border & international finance跨境与国际金融
4 · 2024-06-06 → 2026-06-02
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PSBC expands cross-border RMB, syndicated loans, and foreign exchange services.邮储银行拓展跨境人民币、银团贷款及外汇服务。
2024-06-06PSBC Zhangzhou Branch handled the first 'Trade Foreign Exchange Receipts and Payments Enterprise名录 Registration' business on the first day of the new policy implementation, directly handling registration at the bank.邮储银行漳州市分行在新政实施第一天成功办理首笔贸易外汇收支企业名录登记业务。
2024-08-06PSBC Qianxinan Prefecture Sub-branch completed the first application of the cross-border financial service platform 'Bank-Enterprise Financing Matchmaking' in Qianxinan, granting a credit line of 8.5 million yuan and disbursing 3.69 million yuan to a foreign trade company.邮储银行黔西南州分行落地黔西南州首笔跨境金融服务平台“银企融资对接”场景应用，为某外贸企业核定授信850万元并发放信贷资金369万元。
2025-07-16PSBC completed the delivery of its first export ship under a cross-border guarantee, an 82,000-ton bulk carrier, delivered 143 days ahead of schedule, supporting the shipbuilding industry.邮储银行首笔出口船舶涉外保函项下82000吨散货船顺利交付，提前143天完成，支持船舶制造业。
2026-06-02Successfully opened a USD settlement account for a full-industry-chain enterprise in Liping County, marking a milestone in cross-border financial services to support the enterprise's integration into the Guangdong-Hong Kong-Macao Greater Bay Area.在黎平县成功为某全产业链企业开立美元结算账户，实现跨境金融服务里程碑式突破，助力企业对接粤港澳大湾区。
Digital RMB & digital currency数字人民币与数字货币
4 · 2024-07-01 → 2025-09-09
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PSBC pilots and expands digital RMB applications in various scenarios.邮储银行在多个场景试点和推广数字人民币应用。
2024-07-01PSBC announced it will strengthen identity information verification for digital RMB personal customers, taking measures such as lowering transaction limits or restricting services for incomplete or expired ID documents not updated within 90 days.邮储银行公告将强化数字人民币个人客户身份信息核实，对信息不完整、证件过期90天未更新的客户采取降低交易限额或限制服务等措施。
2024-08-05PSBC Ziyang Branch promoted digital yuan adoption at Ziyang Dadi Farmers Market, opening over 200 personal wallets and adding 26 payment scenarios.邮储银行资阳分行在资阳市大地农贸市场推广数字人民币，累计开通200余个个人钱包，新增26个数币支付场景。
2025-08-22PSBC successfully processed its first cross-border online corporate banking transaction via the digital currency bridge (mBridge), enabling 7x24 instant cross-border payments.邮储银行成功落地行内首笔通过数字货币桥办理的企业网银线上跨境业务，实现7×24小时全天候跨境支付。
2025-09-09PSBC participated in the multi-CBDC bridge project, demonstrating cross-border settlement capabilities at the CIFIT fair.邮储银行作为多边央行数字货币桥参与机构，在投洽会上展示跨境结算能力。
Strategic cooperation MoUs战略合作与备忘录
9 · 2024-07-02 → 2026-05-16
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PSBC signed cooperation agreements with local governments, industry associations, and enterprises to support regional development and specific sectors.邮储银行与地方政府、行业协会及企业签署合作协议，支持区域发展和特定领域。
2024-07-02PSBC Longnan Branch and Longnan Housing Provident Fund Management Center jointly established the province's first 'Flexible Employment Personnel Provident Fund Station' at the Jianshe Road sub-branch, aiming to serve 240,000 flexible workers.邮储银行陇南市分行与陇南市住房公积金管理中心共同挂牌成立全省首家“灵活就业人员公积金驿站”，服务全市24万灵活就业人员。
2024-07-11PSBC held an industry-finance conference in Nanchang to support the high-quality development of the manufacturing industry, with Nanchang市委常委 and Vice Mayor Zhao Jie attending and delivering a speech.邮储银行在南昌举办支持制造业高质量发展产融大会，南昌市委常委、副市长赵捷出席并致辞。
2024-09-10PSBC Qingdao branch and Qingdao Federation of Industry and Commerce jointly held the 'Post-Business-Enterprise' exchange meeting to explore new models of financial services for the private economy.邮储银行青岛分行与青岛市工商联共同举办“邮商惠企”银商交流会，探索金融服务民营经济新模式。
2024-09-12Chongqing Party Secretary Yuan Jiajun and Mayor Hu Henghua met with PSBC President Liu Jianjun. PSBC expressed commitment to deepen cooperation, support the construction of the Western Financial Center, and implement the 'five major articles' of finance in Chongqing.重庆市委书记袁家军、市长胡衡华会见邮储银行行长刘建军，邮储银行表示将深化合作，支持西部金融中心建设，做好金融“五篇大文章”。
2025-01-20PSBC Hebei Xiong'an Branch signed an office building agreement with China Energy Engineering Group Xiong'an Urban Development Co., becoming the first large state-owned commercial bank to purchase an office building in Xiong'an High-tech Zone.邮储银行河北雄安分行与中能建雄安城市发展有限公司签署办公楼签约仪式，成为雄安高新区首个购置办公楼宇的国有大型商业银行。
2025-04-08PSBC and the All-China Federation of Industry and Commerce jointly launched the 'Five Forces Empowerment' special action plan for private enterprises, with PSBC Chairman Zheng Guoyu announcing that the bank will provide no less than RMB 10 trillion in financing support to private economic entities over the next five years.邮储银行与全国工商联联合发布民营企业“五力赋能”专项行动方案，董事长郑国雨宣布未来五年将为各类民营经济主体累计提供融资支持不低于10万亿元。
2025-07-03PSBC announced it will provide no less than 200 billion yuan in financing over the next five years for Tibet, launching a 'Six-Chain Integration' special action to support major projects,特色 industries, and digital transformation of 3,000 enterprises.邮储银行宣布未来五年为西藏提供不低于2000亿元融资，启动“六链融合”专项行动，支持重大项目、特色产业及3000家企业数字化转型。
2025-10-16PSBC Tianjin Branch announced a plan to provide意向性融资金额 no less than 250 billion yuan to the Binhai New Area over the next five years, focusing on technology finance, shipping finance, green finance, and livelihood services.邮储银行天津分行发布方案，计划未来五年向滨海新区提供意向性融资金额不低于2500亿元，聚焦科技金融、航运金融、绿色金融、民生服务等多维度。
2026-05-16Postal Savings Bank of China President Lu Wei met with China UnionPay Chairman Dong Junfeng in Beijing; both sides agreed to consolidate cooperation and jointly promote product upgrades.邮储银行行长芦苇在京会见中国银联董事长董俊峰，双方将巩固合作成果，共同推进产品升级。
Disaster response & emergency lending灾害应对与应急贷款
2 · 2024-07-08 → 2025-01-09
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PSBC provides emergency loans and services in response to natural disasters.邮储银行在自然灾害后提供应急贷款和服务。
2024-07-08PSBC Yueyang Branch responded to the Dongting Lake dike breach in Huarong County, providing emergency loans of 910,000 yuan to 6 affected customers and ensuring continuous financial services for disaster relief.邮储银行岳阳市分行应对华容县团洲垸洞庭湖决堤险情，为6名受灾客户发放贷款91万元，保障救灾金融服务连续性。
2025-01-09PSBC activated earthquake emergency response after a 6.8-magnitude quake in Dingri County, Tibet; Tibet branch approved RMB 80,000 for emergency supplies and dispatched mobile financial service vehicles.西藏日喀则市定日县发生6.8级地震后，邮储银行启动抗震救灾应急机制，西藏区分行批复8万元专项资金并安排金融流动服务车。
Awards & certifications奖项与认证
2 · 2024-07-10 → 2025-06-19
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PSBC branches received regulatory ratings and approvals, including consecutive 'A' ratings and market maker status.邮储银行分行获得监管评级和批准，包括连续‘A’级评级和做市商资格。
2024-07-10PSBC Nanping Branch was rated 'A' in the 2023 comprehensive evaluation of banking financial institutions by the Nanping Central Sub-branch of the People's Bank of China, marking the eighth consecutive year it has received this rating.邮储银行南平市分行在2023年度南平市银行业金融机构综合评价中再次获评A等级，连续八年获此评级。
2025-06-19Approved as a trial market maker for the interbank gold inquiry market by the Shanghai Gold Exchange.获批成为银行间黄金询价市场尝试做市商。
Branch & infrastructure expansion分支行与基础设施扩展
4 · 2024-07-16 → 2026-03-13
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PSBC opened new branches, service points, and upgraded facilities to expand reach and improve customer service.邮储银行开设新分行、服务点并升级设施，以扩大覆盖范围并改善客户服务。
2024-07-16PSBC Jiuquan Branch established the city's first 'Treasury Bond Distribution Demonstration Service Point' in Jinta County Dingxin Town, aiming to promote treasury bond distribution in rural areas.邮储银行酒泉市分行在金塔县鼎新镇营业所挂牌成立酒泉市首个“国债下乡示范服务点”。
2024-12-19PSBC Chongqing branch unveiled a 'Red Rock Culture Theme Sub-branch' and a Party spirit education base, integrating financial services with Red Rock spirit promotion.邮储银行重庆分行红岩文化主题网点及党性教育基地揭牌，将金融服务与红岩精神传承相结合。
2026-02-27PSBC Putian Branch, in collaboration with the People's Bank of China Putian Branch, set up a cash service point at Luo Putian scenic area during Spring Festival, exchanging 1,000 yuan in small change, 3,000 yuan in new notes, and distributing 105 standardized small-change wallets.邮储银行莆田市分行联合人民银行莆田市分行在萝苜田景区设立现金服务点，春节期间累计兑换零钞1000元、新钞3000元，发放标准化零钱包105个。
2026-03-13PSBC Gannan Prefecture Branch completed the installation and full oxygen supply of new oxygen generation equipment, improving the working environment for employees on the Qinghai-Tibet Plateau.邮储银行甘南州分行新安装的制氧设备调试完毕并实现全面通氧，改善青藏高原员工工作环境。
ESG & green initiativesESG与绿色金融
4 · 2024-08-27 → 2026-01-27
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PSBC advanced green finance, including green building projects, green finance centers, and support for sustainable industries.邮储银行推进绿色金融，包括绿色建筑项目、绿色金融中心和支持可持续产业。
2024-08-27PSBC Zhanjiang City Branch officially established a 'Blue Finance Center' to provide specialized financial services for the marine economy.邮储银行湛江市分行蓝色金融中心正式挂牌成立。
2024-11-08PSBC Dali Prefecture Branch held a groundbreaking ceremony for its self-built operational production building project in Dali Economic Development Zone, incorporating green technologies.邮储银行大理州分行自建营运生产用房项目在大理经济开发区举行奠基仪式，采用多项环保节能技术。
2025-02-14PSBC's modern facility fishery corporate loan balance exceeded RMB 6.5 billion by end-2024, supporting projects in Zhanjiang (Guangdong), Xiapu (Fujian), and Changdang Lake (Jiangsu).截至2024年末，邮储银行现代设施渔业公司贷款余额突破65亿元，精准支持广东湛江、福建霞浦、江苏长荡湖等渔业产业聚集区域。
2026-01-27PSBC Tianjin Hexi District sub-branch officially established a Green Finance Center to enhance the precision and efficiency of green financial services.邮储银行天津河西区支行正式挂牌成立绿色金融中心，旨在提升绿色金融服务的精准性与效率。
Anti-fraud & financial security反欺诈与金融安全
6 · 2024-10-18 → 2026-03-19
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PSBC strengthens anti-fraud measures and financial security cooperation.邮储银行加强反欺诈措施及金融安全合作。
2024-10-18PSBC Zhangye West Street Sub-branch, in coordination with the Zhangye City Anti-Fraud Center, successfully dismantled a fraud-related cash withdrawal gang, arresting three suspects.邮储银行张掖市西街支行联合张掖市公安局反诈中心，成功打掉一个涉诈黑灰产“取现”团伙，抓获三人。
2024-12-02PSBC Tianshui Maiji District sub-branch officially unveiled an 'Anti-Fraud Station Featured Sub-branch' to deepen police-bank cooperation on telecom fraud prevention.邮储银行天水市麦积区支行“反诈驿站特色支行”正式揭牌，深化警银协作防范电信诈骗。
2025-06-11Yiwu City Branch received 'Provincial Anti-Fraud Publicity Corner' honorary title from Zhejiang Anti-Fraud Office.义乌市支行被浙江省反诈联席办、反诈中心授予“省级反诈宣传角”荣誉称号。
2025-07-28PSBC Ganzhou City Branch launched the city's first batch of 'Dual Network Integration' Jiangxi Financial Anti-Illegal Fund Service Stations, combining网点 and community grids for financial safety education.邮储银行赣州市分行落地全市首批“双网融合”赣金防非服务站，采用“营业大厅+社区网格”联动模式。
2026-02-28PSBC Yangzhou Dinggou Branch successfully intercepted a telecom fraud, preventing a customer from losing over 700,000 yuan in deposits, and alerted the police.邮储银行扬州市丁沟支行成功识别并阻断一起电信网络诈骗，为客户保住70余万元存款，并报警处理。
2026-03-19PSBC Shenzhen Chunfeng Sub-branch successfully prevented an elderly customer from falling into an investment scam, saving 100,000 yuan in potential losses.邮储银行深圳春风支行成功劝阻一位老年客户落入投资骗局，挽回潜在损失10万元。
Industry standards & policy行业标准与政策
2 · 2024-10-18 → 2025-12-15
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PSBC participated in policy discussions, industry conferences, and regulatory actions, including NAFMII investigations.邮储银行参与政策讨论、行业会议和监管行动，包括交易商协会调查。
2024-10-18PSBC, as the only financial institution invited, participated in the 2024 China Mobile Global Partners Conference, showcasing its services in tech finance, green finance, inclusive finance, and digital finance.邮储银行作为唯一受邀金融机构参加2024中国移动全球合作伙伴大会，展示科技金融、绿色金融、普惠金融、数字金融等服务成果。
2025-12-15The National Association of Financial Market Institutional Investors (NAFMII) launched a self-regulatory investigation into PSBC for alleged violations in the underwriting and issuance of debt financing instruments.中国银行间市场交易商协会（交易商协会）对邮储银行启动自律调查，因其在债务融资工具承销发行过程中涉嫌违规。
Wealth management & private banking财富管理与私人银行
3 · 2024-11-07 → 2025-04-02
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PSBC develops wealth management, private banking, and pension financial services.邮储银行发展财富管理、私人银行及养老金融服务。
2024-11-07PSBC held the 'Wanyin引力' corporate wealth management sub-forum in Chongqing, themed 'Gathering in Mountain City, Meeting Wealth'. Corporate wealth client base has grown at a CAGR of 100% over the past three years.邮储银行在重庆举办公司金融“万U引力”公司财富管理子论坛，近三年公司财富客户规模年复合增长率达100%。
2024-12-04PSBC Guangzhou branch's private banking center won the 'Top 100 Private Banking Center' award from Retail Banker magazine, the first such award for PSBC.邮储银行广州分行私人银行中心荣获《零售银行》杂志“百强私人银行中心”称号，为邮储银行首个私人银行中心奖项。
2025-04-02PSBC Vice President Xu Xueming announced the establishment of a new Wealth Management Department at the head office to coordinate wealth management business development.邮储银行副行长徐学明宣布总行新组建财富管理部，统筹全行财富管理业务发展。
Community & financial inclusion社区与普惠金融
8 · 2024-12-04 → 2026-06-08
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PSBC promoted financial literacy, supported private enterprises, and provided inclusive financial services to underserved groups.邮储银行推广金融知识、支持民营企业，并为弱势群体提供普惠金融服务。
2024-12-04PSBC Ningbo branch reported that as of end-October, its inclusive small-micro loan balance increased by 782 million yuan year-on-year (growth 4.18%), and its no-principal-repayment loan + revolving loan balance grew by 3.34 billion yuan (growth 16.31%).邮储银行宁波分行截至10月末，普惠小微贷款年增7.82亿元（增速4.18%），无还本续贷+循环贷款余额较年初增33.4亿元（增速16.31%）。
2024-12-04PSBC Langfang branch issued a single electronic guarantee letter of 11.4 million yuan, the largest single amount in Hebei province's system, and had issued a total of 270 million yuan in electronic guarantees by end-November 2024.邮储银行廊坊分行落地单笔金额1140万元电子保函业务，为河北省系统内单笔最大，截至11月末本年已开立电子保函2.7亿元。
2024-12-19PSBC Longhui branch successfully implemented a new bus card function on social security cards, advancing the 'one-card' application for transportation.邮储银行隆回县支行成功实现社保卡新增公交卡功能，推进社会保障卡“一卡通”在交通出行领域的应用。
2025-02-28PSBC Fuqing branch in Fujian successfully conducted a theater-level combat readiness fund support drill with a mobile unit, completing the entire process of fund allocation in 40 minutes.邮储银行福清市支行与某机动总队成功开展战区级应战资金保障实战化演练，40分钟完成战备资金全流程操作。
2025-04-10PSBC announced that it has organized special teams to support listed companies' stock回购 and增持, with business already落地 in Tianjin, Beijing, Shandong, Zhejiang and other regions, covering technology, private, and municipal public companies.邮储银行组织工作专班支持上市公司股票回购增持，已在天津、北京、山东、浙江等多地实现业务落地，服务科技型、民营及市政公用类企业。
2025-04-18PSBC held a private enterprise roadshow and exchange event at the Beijing Financial Assets Exchange, with six companies including Shenzhen Dongyangguang and Hebei Shouheng participating.邮储银行在北京金融资产交易所举办民营企业路演交流活动，东阳光、首衡等6家企业参加。
2025-05-15PSBC Tianjin branch and Tianjin Library jointly launched a 'social security card borrowing' function, enabling cardless book borrowing with social security cards at the PSBC branch library.邮储银行天津分行与天津图书馆联合推出“社保卡借阅”功能，在邮储银行分馆实现社保卡无卡化图书借阅。
2026-06-08Launched the 2026 'Financial Knowledge for 10,000 Miles' campaign nationwide, themed 'Safeguarding Financial Rights, Warming People's Livelihood with Digital Intelligence', focusing on key groups and 'black/grey production' prevention.启动2026年“普及金融知识万里行”活动，以“守护金融权益，数智温暖民生”为主题，聚焦重点人群和“黑灰产”防范。
Pension & elderly financial services养老与老年金融服务
4 · 2024-12-18 → 2025-12-18
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PSBC develops pension finance products and elderly-friendly services.邮储银行开发养老金融产品及适老服务。
2024-12-18PSBC announced that it will open personal pension accounts for customers who successfully completed reservation开户 on December 15, 2024, when the personal pension system is fully implemented.邮储银行公告将于2024年12月15日个人养老金制度全面实施之日起，为成功办理预约开户的客户集中开通个人养老金资金账户。
2025-07-16PSBC and China UnionPay jointly launched a senior care rights system, integrating the PSBC UnionPay Golden晖 Card and social security IC card into UnionPay's 'Vibrant Life' system, offering 12 rights in 6 categories.邮储银行携手中国银联发布养老权益体系，将邮储银行银联金晖卡、金融社保IC卡纳入银联“活力人生”体系，首期推出6大类12项权益。
2025-11-21PSBC Zhongshan Yuelai South sub-branch became the first bank outlet in Zhongshan city and among the first in Guangdong province to pass the authoritative aging-friendly service certification.邮储银行中山市悦来南支行成为广东省首批、中山市首个通过适老化服务专项认证的银行网点。
2025-12-18PSBC launched a 'Pension Calculator' tool to accurately estimate pensions and gaps.邮储银行推出养老计算器，用于精准测算养老金及缺口。
Consumer finance & credit cards消费金融与信用卡
6 · 2025-02-20 → 2026-03-13
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PSBC launches consumer loan products, credit card innovations, and consumption stimulus measures.邮储银行推出消费贷款产品、信用卡创新及消费刺激措施。
2025-02-20PSBC released the 'Action Plan to Boost Consumption and Expand Domestic Demand', proposing 16 specific measures across six areas including wealth management, pension finance, consumer finance, and merchant services.邮储银行发布《提振消费扩大内需行动方案》，围绕财富管理、养老金融、消费金融等六大方面提出16项具体措施。
2025-03-03Postal Savings Bank issued the 'Action Plan to Boost Consumption and Expand Domestic Demand', proposing 16 measures across 6 areas including consumer finance, auto finance, and trade-in programs.邮储银行发布《提振消费扩大内需行动方案》，围绕消费金融、汽车金融、以旧换新等六大领域提出16项具体措施。
2025-05-02PSBC launched a special action plan to boost consumption, including increasing consumer credit supply, supporting housing, tourism, and trade-in programs, and offering exclusive products for new citizens and graduates.邮储银行出台助力提振消费专项行动方案，包括增加消费信贷供给、支持住房及文旅消费、开展以旧换新活动、面向新市民和毕业生推出专属产品。
2025-08-13PSBC announced it is implementing fiscal discount policies for personal consumption loans and service industry operating loans to lower borrowing costs and boost consumption.邮储银行公告正积极落实个人消费贷款与服务业经营主体贷款财政贴息政策，降低居民消费信贷成本。
2026-01-20PSBC announced the optimization of its personal consumption loan financial subsidy service, including credit card bill installments into the subsidy scope, with an annual subsidy rate of 1 percentage point and a maximum annual subsidy of 3,000 yuan per borrower.邮储银行发布优化个人消费贷款财政贴息服务公告，将信用卡账单分期纳入贴息范围，年贴息比例1个百分点，每名借款人每年累计贴息上限3000元。
2026-03-13PSBC Xiangtan Branch launched a credit card installment project for a new energy battery company, achieving 933,800 yuan in new merchant installment transactions in one month.邮储银行湘潭市分行推出某新能源电池企业信用卡场景分期项目，一个月内实现新增商户分期交易额93.38万元。
Minority investments & stakes少数股权投资与参股
2 · 2025-04-10 → 2025-07-16
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PSBC made strategic investments, including establishing a wholly-owned subsidiary and participating in bond placements.邮储银行进行战略投资，包括设立全资子公司和参与债券配售。
2025-04-10PSBC Jintang branch, together with Zhongyou Wealth Management and Zhongyou Securities, invested RMB 170 million in a 2-year private placement note (PPN) of a Sichuan group, accounting for 34% of the total issuance.邮储银行金堂支行联动中邮理财及中邮证券，对四川某集团2年期非公开定向债务融资工具（PPN）投资1.7亿元，占发行总规模34%。
2025-07-16PSBC announced a plan to invest 10 billion yuan of its own funds to establish a wholly-owned subsidiary, Zhongyou Financial Asset Investment Co., Ltd., pending regulatory approval.邮储银行公告拟出资100亿元自有资金发起设立全资子公司中邮金融资产投资有限公司，尚需监管批准。
Sci-tech & innovation finance科技与创新金融
3 · 2025-05-12 → 2026-06-03
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PSBC provides specialized loans and services for technology and innovation enterprises.邮储银行为科技及创新企业提供专项贷款和服务。
2025-05-12PSBC underwrote 4 tranches of the first batch of sci-tech innovation bonds on the interbank market, covering state-owned and private enterprises in Sichuan, Tianjin, Shaanxi, and Zhejiang.邮储银行承销4单首批银行间市场科技创新债券，覆盖四川、天津、陕西、浙江的国企和民企。
2025-05-22PSBC, as lead underwriter, issued New Hope Group's 2025 second tranche sci-tech innovation bond of RMB 500 million with a 1-year tenor at 2.1%, the lowest rate for private enterprises in the same period.邮储银行牵头承销新希望集团2025年第二期科技创新债券5亿元，期限1年，利率2.1%，创全国民企同期限科技创新债最低利率。
2026-06-03Held the 'Post-Bond Empowerment, Smart Manufacturing Progress' roadshow for sci-tech innovation bonds for advanced manufacturing enterprises in Beijing, co-organized with Beijing Financial Asset Exchange and Dagong Global Credit Rating, with 8 manufacturing firms and over 40 investment institutions participating.在北京联合北金所、大公国际举办“邮‘债’赋能 智‘造’共进”先进制造业企业科创债专场路演交流会，8家制造业企业与40余家投资机构参会。
Other developments其他动态
2 · 2025-08-05 → 2025-09-02
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Assorted one-off developments.零散的一次性动态。
2025-08-05Postal Savings Bank of China (PSBC) issued a notice stating it is deducting overdue online merchant loan (Wangshangdai) customer accounts to repay debts, citing contractual rights.邮储银行发布公告，称正在扣划网商贷逾期客户账户款项用于偿还欠款，依据合同权利。
2025-09-02Japan Post Bank (not PSBC) announced plan to issue digital yen 'DCJPY' by FY2026, developed by DeCurret DCP (IIJ Group).日本邮储银行（非中国邮储银行）宣布计划在2026财年内发行数字货币“DCJPY”，由IIJ集团旗下DeCurret DCP开发。
Research institutes & subsidiaries研究机构与子公司
2 · 2025-09-05 → 2026-05-18
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PSBC established specialized centers and led research projects to enhance financial services and innovation.邮储银行设立专业中心并牵头研究项目，以增强金融服务和创新。
2025-09-05PSBC led the national key R&D project 'Key Technologies for Intelligent Supervision and Linkage Early Warning of Commercial Banks' kick-off meeting.邮储银行牵头承担的国家重点研发计划“商业银行智能监管与联动预警关键技术研究”项目启动会在京召开。
2026-05-18Postal Savings Bank of China was approved by the China Financial Futures Exchange (CFFEX) as a designated custodian bank, bringing the total number of CFFEX custodian banks to 16.邮储银行获中国金融期货交易所批准成为指定存管银行，至此中金所指定存管银行增至16家。
Asset & risk management资产与风险管理
3 · 2025-10-12 → 2026-06-12
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PSBC managed non-performing loans, conducted auctions, and handled guarantee obligations to mitigate financial risks.邮储银行管理不良贷款、进行拍卖并处理担保义务，以降低金融风险。
2025-10-12PSBC Shandong Province branch publicly transferred 238 million yuan of personal non-performing loans via online auction starting at 21 million yuan (approx. 0.88% of the total outstanding principal and interest). The assets involved 1,577 borrowers.邮储银行山东省分行公开转让2.38亿元个人不良贷款，线上公开竞价起始价0.21亿元（约未偿本息总额的0.88折），涉及借款人1577户。
2026-03-16Dongjiang Environmental (00895.HK) announced it will fulfill its guarantee obligation to PSBC for subsidiary Mianyang Dongjiang, paying 21.3355 million yuan in principal and interest due to the subsidiary's inability to repay a 260 million yuan loan.东江环保公告称，因子公司绵阳东江无法偿还邮储银行贷款，公司将履行担保代偿责任，支付本金及利息2133.55万元。
2026-06-12Shandong Branch listed a second batch of non-performing personal loan assets for sale, with a total book debt of 171 million yuan involving 979 borrowers, as part of a broader effort to dispose of over 300 million yuan in bad debts.山东省分行挂牌出让第二批个人不良贷款资产包，账面债权总额1.71亿元，涉及979名借款人，两批信用类个人不良债权总规模突破3亿元。
Software copyrights & IT procurement软件著作权与IT采购
5 · 2025-11-04 → 2026-06-11
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PSBC registers software copyrights and procures IT systems from vendors.邮储银行登记软件著作权并向供应商采购IT系统。
2025-11-04XinChen Technology (300542.SZ) won a PSBC procurement project for channel management platform software development, bid amount RMB 2.49 million.新晨科技中标邮储银行渠道管理平台应用软件技术开发项目，中标金额249万元。
2025-11-04Beijing Yuxin Technology (300674.SZ) won a PSBC procurement project for self-service banking system software development, bid amount RMB 4.45 million.宇信科技中标邮储银行自助银行系统应用软件技术开发项目，中标金额445万元。
2025-11-04Sunyard Technology (600571.SH) won a PSBC procurement project for business front-end platform software development, bid amount RMB 13 million.信雅达中标邮储银行业务前端平台应用软件技术开发项目，中标金额1300万元。
2025-11-21FiberHome Communications' subsidiary Yangtze River Computing won the second place in PSBC's 2025 AI server (Kunpeng) and server accessories procurement project, with a bid amount exceeding RMB 30 million.烽火通信旗下长江计算以第二份额中标邮储银行2025年AI服务器(鲲鹏)和服务器配件采购项目，中标金额超3000万元。
2026-06-11Weaver Network Technology Co., Ltd. won a bid for a Postal Savings Bank procurement project for the '2026 Comprehensive Office System New Feature Engineering Application Software Technology Development Project' with a bid amount of 4.12 million yuan.泛微网络科技股份有限公司中标邮储银行“综合办公系统2026年新增功能工程应用软件技术开发项目”，中标金额412.00万元。
Operational & system updates运营与系统更新
2 · 2025-11-12 → 2026-04-27
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PSBC performed system maintenance, upgrades, and launched new operational features to enhance digital banking.邮储银行进行系统维护、升级并推出新运营功能，以增强数字银行服务。
2025-11-12PSBC announced system maintenance on Nov 27, Dec 1, and Dec 4 nights, affecting mobile banking, corporate banking, and other digital channels.邮储银行公告将于11月27日、12月1日、12月4日晚进行系统维护，影响手机银行、企业网银等渠道。
2026-04-27PSBC Ningbo branch successfully completed its first interbank pledged deposit business, handling a RMB 100 million, 6-month transaction with a partner financial institution.邮储银行宁波分行成功落地首笔亿元级同业质押式存款业务，金额1亿元，期限6个月。
Branch closures & service adjustments网点关闭与服务调整
1 · 2025-11-24
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PSBC closes underperforming branches and adjusts service hours or channels.邮储银行关闭表现不佳的网点并调整服务时间或渠道。
2025-11-24PSBC announced it will adjust the non-credit card online customer service hours from 24/7 to 07:00-23:00 daily starting Dec 3, 2025, promoting the use of AI-powered smart customer service 'Xiaoyou'.邮储银行公告自2025年12月3日起调整非信用卡在线客服人工服务时段为每日7:00-23:00，推广智能客服“小邮”。
M&A & asset transfers并购与资产转让
1 · 2025-12-11
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PSBC conducts asset transfers, M&A loans, and subsidiary mergers.邮储银行进行资产转让、并购贷款及子公司合并。
2025-12-11PSBC successfully issued a RMB 5 billion M&A note for China Minmetals Corporation, one of the first and largest projects under the optimized M&A note mechanism in the interbank market.邮储银行作为主承销商，成功助力中国五矿集团有限公司发行50亿元并购票据，是银行间市场并购票据优化机制落地后的首批且规模最大的项目。
Insurance & guarantee cooperation保险与担保合作
1 · 2026-05-21
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PSBC partners with insurance and guarantee firms to offer combined financial products.邮储银行与保险及担保公司合作，提供组合金融产品。
2026-05-21Postal Savings Bank of China and the National Financing Guarantee Fund jointly issued a special notice to refine bank-guarantee cooperation and expand the special guarantee plan; branches in Shaanxi, Sichuan, and Shanxi disbursed guarantee loans totaling RMB 27 million to SMEs.邮储银行与国家融资担保基金联合印发专项通知，细化银担合作要求；陕西、四川、山西等分行向中小企业发放专项担保贷款合计2700万元。
