11月24日，苏银理财发布公告称，该公司股东于2025年9月9日作出决定，同意《苏银理财有限责任公司章程（2025年修订）》，公司 不再设立监事会。近日，公司收到《江苏金融监管局关于苏银理财有限责任公司修改公司章程的批复》（苏金复〔2025〕407号）。 自公司章程核准生效之日起，苏银理财不再设监事会及监事，由董事会审计委员会行使《公司法》和监管制度规定的监事会职权。 （苏银理财） ...

注：业绩比较基准不是预期收益率，不代表产品的未来表现和实际收益，不构成对产品收益的承诺。 以上理财产品信息仅供参考，具体应以《产品说明书》等销售文件为准。本文不构成任何投资建议，投 资者据此操作，风险自担。 11月24日，据长安银行披露，该行发行的"长盈聚金"白金专属封闭式24M净值型理财计划（25021期） 募集期为2025年11月24日至2025年11月27日，投资者认购起点为1万元，发行规模上限10亿元。产品类 型为固定收益类，风险评级为二级，产品期限742天，业绩比较基准2.30%-2.90%（年化）。 ...

Core Insights - SAIC Audi showcased its full range of products at the 23rd Guangzhou International Auto Show, emphasizing its strategic focus on electrification and intelligence in the automotive sector [1][3] Product Launches - The Audi E5 Sportback Quattro model was officially launched with a limited-time price of 279,900 yuan, featuring significant upgrades in handling and luxury configurations [3][4] - The Audi E SUV concept car made its global debut, marking a step forward in the brand's family product system and targeting the luxury electric SUV market [6] Performance and Technology - The Audi E5 Sportback boasts a power output of 579 kW, a maximum range of 773 kilometers, and a rapid charging capability that allows for 380 kilometers of range in just 10 minutes [4] - The vehicle integrates the new AUDI OS operating system and advanced driver assistance technologies tailored for Chinese driving conditions [4][6] Market Strategy - SAIC Audi is expanding its presence in the luxury electric vehicle market while also enhancing the intelligence of its fuel vehicle offerings, such as the A5L Sportback, which features a maximum output of 200 kW and a unique MHEV plus system [7] - The company aims to establish over 240 full-function user centers across more than 100 cities by the end of the year, significantly enhancing its service network and customer experience [8]

Core Insights - The recent land auction in Shanghai showed a significant cooling trend, with 9 plots sold for a total of 173.33 billion yuan, indicating a shift in market dynamics [1][9] - The participation of private enterprises increased, while several leading developers were absent, suggesting a diversification in the bidding landscape [1][9] Group 1: Auction Details - The auction included 9 plots located in various districts, with a starting total price of approximately 169.11 billion yuan and an average transaction floor price of 31,366 yuan per square meter [1] - Among the 9 plots, 7 were sold at the base price, while 2 plots were sold at a premium, with the highest premium being 15.76% for the Pudong Chuansha plot, acquired by Jiayun Real Estate for 24.75 billion yuan [1][3] - The auction attracted 16 participating companies, including 3 central enterprises and 8 state-owned enterprises, indicating a competitive environment [1] Group 2: Key Players - Jiayun Real Estate, a local developer with 26 years of experience in Shanghai, successfully acquired the Pudong plot, demonstrating its long-term commitment to the region [3] - Baoye Group, another private enterprise, won the Qingpu plot with a premium of 5.17%, highlighting the demand for well-located residential land [4][5] - Pangu Real Estate, a foreign-funded company, secured a plot in Jiading at the base price, marking its third acquisition in the area in nearly 20 years [6][7] Group 3: Market Trends - The overall participation of private enterprises in the auction indicates a shift in market dynamics, with many leading developers opting for a more cautious approach due to year-end financial considerations [9] - The auction results reflect a more balanced and diversified bidding landscape, as private companies continue to play a significant role in land acquisition [9]

Core Viewpoint - The National Financial Supervision Administration has approved China Post Group Co., Ltd. to operate insurance agency business, allowing a wide range of insurance types to be offered [1] Summary by Categories Approval Details - The approval includes a variety of insurance types such as motor vehicle insurance, enterprise property insurance, household property insurance, cargo transportation insurance, ship insurance, engineering insurance, special risk insurance, agricultural insurance, liability insurance, credit insurance, guarantee insurance, life insurance, annuity insurance, health insurance, and accident insurance [1] Regulatory Requirements - China Post Group Co., Ltd. is required to strictly adhere to relevant laws and regulations regarding insurance agency operations [1] - The company must accept supervision from the Financial Supervision Administration and its local agencies [1] - There is an emphasis on enhancing management capabilities in insurance agency business and establishing a firewall to protect financial consumers' legitimate rights and interests [1]

IPO Review and Registration Progress - Five companies passed the IPO review last week, including振石股份, 易思维, 爱得科技, 通领科技, and 兢强科技, with振石股份 planning to raise approximately 39.81 billion yuan [3][4] - 易思维 focuses on machine vision equipment for automotive manufacturing, reporting revenues of 20.4 million yuan and a net loss of 7.1755 million yuan for the first three quarters of 2025 [4] - Three companies passed the review at the North Exchange, with爱得科技 specializing in orthopedic medical devices, 通领科技 in automotive interior parts, and 兢强科技 in electromagnetic wire [5] Upcoming IPOs - Three companies, 永大股份, 美德乐, and 海菲曼, are set to present their IPO applications this week at the North Exchange [6] - 永大股份 reported revenues of 696 million yuan in 2022, with a projected decline in net profit for 2024 [6] - 美德乐's revenue from products in the new energy battery sector accounts for about 60% of its main business income, with high customer concentration [7] - 海菲曼 expects revenues between 232 million and 266 million yuan for 2025, with a net profit forecast of 70 million to 85 million yuan [7] New IPO Applications - Two IPO applications were accepted last week, with 北斗院 focusing on satellite navigation and space control technologies, and 格林生物 specializing in fragrance products [8][9] - 北斗院's revenue for 2025 is projected at 112 million yuan, with a declining gross margin trend [9] - 格林生物 aims to raise approximately 690 million yuan for various projects, including the production of high-end fragrances [9] New Stock Listings - Four new stocks were listed last week, with 大鹏工业 seeing a significant first-day increase of 1211.11% [11][13] - 海安集团 will officially list on November 25, with a share price of 48 yuan, reporting a revenue decline of 4.77% for the first three quarters of 2025 [12] - Other companies listed include 北矿检测, 恒坤新材, and 南网数字, all showing substantial first-day gains [13] Upcoming New Stock Subscriptions - Two new stocks are scheduled for subscription this week, with 摩尔线程 setting a record IPO price of 114.28 yuan per share [14] - 摩尔线程 expects to raise approximately 7.576 billion yuan, which would be a record for the year in the Sci-Tech Innovation Board [14] - 百奥赛图 anticipates a revenue of 1.351 billion yuan for 2025, reflecting a growth of 37.75% [16]

Core Insights - The launch of the "Xinhua Kang" health management service brand and the "Kang Hu Wu You" nursing insurance product represents a strategic shift towards an integrated health service protection system, focusing on prevention, management, and post-care support [1][2] - The "Kang Hu Wu You" product emphasizes service responsibility, marking a significant innovation in China's insurance industry by combining cash benefits with nursing services [1] - The collaboration between Xinhua Insurance, Zhongcai Life Insurance, and Ailian Health aims to enhance the development of service-based health insurance products, addressing the challenges of an aging population and contributing to a Chinese-style health protection system [1] Company Strategy - The introduction of the "Xinhua Kang" brand and "Kang Hu Wu You" product is a deepening of Xinhua Insurance's top-level strategy, enhancing its comprehensive service system that includes finance, taxation, law, business, medicine, health, education, and culture [2] - This initiative upgrades and expands the "Zun An Rui Yue Kang" service brand matrix, significantly improving the company's competitive edge in insurance products and medical health services [2]

据悉，《征求意见稿》创新设置了集中式"特别提示"，将22条关键条款整合在3页篇幅内，让购房者无 需通读冗长全文即可快速掌握核心内容。中央财经大学管理科学与工程学院教授易成栋认为，集中展示 有关部门的管理要求，是此次合同示范文本修订的一大创新亮点。"在签订合同前用专门篇幅逐条提 示，有助于购房人了解商品房交易相关知识，降低因信息不对称带来的风险。" 针对商品房交易中的这些痛点，《征求意见稿》对具体条款进行了补充和优化。在合同送达环节，新增 了网签后纸质合同送达时限的约定条款。买卖双方可约定纸质盖章合同送达买受人的最长时限，逾期不 送达的，出卖人应向买受人支付违约金，从而保障买受人的权益。 新版示范文本的出台一方面是适应新法规政策的要求，另一方面也是呼应百姓在商品房交易中投诉比较 集中的问题。 据北京市场监管局官微消息，11月21日，北京市住建委会同市市场监督管理局对《北京市商品房预售合 同》《北京市商品房现房买卖合同》示范文本进行修订，形成《征求意见稿》，向社会公开征集意见， 截止日期为11月28日。 赵秀池表示，上一版商品房销售合同示范文本是2017年推行的，距今已有8年，期间很多政策法规及地 方标准都发生了 ...

Core Insights - Hema has launched the "Co-creation and Symbiosis" partner growth plan, aiming to support 10 partners with annual sales exceeding 1 billion yuan and assist 100 suppliers to triple their sales in three years [1] - The initiative focuses on leveraging Hema's user insights, supply chain infrastructure, and AI decision-making platform to co-create products that cater to consumer demands for a better life [1] Group 1 - Hema's CEO emphasized the importance of technology and model innovation in reshaping the retail market over the past decade, aiming to build a community of suppliers that share similar values and complementary capabilities [2] - The company has established a three-tiered supply chain network, enabling rapid nationwide coverage of products [1][2] - Hema's user-centric product development and efficient supply chain capabilities are foundational for advancing towards "heart retail" [2] Group 2 - Successful partnerships have emerged, such as with Weigaoqing, which has transformed HPP juice availability through Hema's cold chain logistics, achieving sales exceeding 100 million yuan [2] - Chengdu Yuanqi has grown from a regional supplier to a national enterprise with seven factories, maintaining an annual growth rate of over 100% through collaboration with Hema [2] - Hema has expanded rapidly, with nearly 500 Hema Fresh stores and over 350 Super Hema stores nationwide [2] Group 3 - Hema has upgraded its "Cloud Sharing" brand, providing a new online shopping channel for consumers outside its service areas, achieving near nationwide coverage [3]

近日，易安适医疗科技（苏州）有限公司（以下简称 "易安适医疗"）完成由朗姿韩亚领投的新一轮融 资，本轮融资将助力易安适加速推进注射笔整体解决方案落地能力，构建兼具技术壁垒与规模化的核心 竞争力。 ...