投资机会方面，如果指数上行则关注非银金融，除此之外，主要交易机会围绕中央经济工作会议等可能 会有的政策方向，重点关注涨价资源品、服务消费和科技领域自主可控。 转自：新华财经 编辑：林郑宏 新华财经上海12月1日电 招商证券研报分析认为，展望12月，市场在经历了三个月的震荡蓄势后，终于 要选择方向，而选择向上突破发动跨年行情的概率较高。结合三季报，十五五规划，增量资金和投资者 结构以及全球宏观环境变化，12月市场将会发动指数级别上行的跨年行情。 资金面方面，2025年1月实施了印发《关于推动中长期资金入市工作的实施方案》要求提升商业保险资 金A股投资比例，新增保费投入A股比例要提升，而每年一季度都是保险开门红，新增保费配置股票需 求增加，12月是提前布局的时机。而美元指数重新走弱和人民币汇率走强为外资重新流入提供了基础。 过去两整年基金业绩普遍较高，进入年底年初居民存款增加较多，居民配置权益基金的概率加大。12月 容易形成各路增量资金的共振，从而形成经典的跨年行情。 ...

Core Insights - The launch of the "Teda Cross-Border Comprehensive Service Port" marks a significant step in providing support for Chinese enterprises to expand internationally, aiming to upgrade industries suitable for maritime and port operations, and foster new economic growth engines in the Tianjin Economic-Technological Development Area [1][4] Group 1: Service Platform Development - The Teda Cross-Border Comprehensive Service Port is built on the Teda brand, industrial resources, and service capabilities, creating a win-win service platform led by the government, empowered by associations, supported by institutions, and driven by enterprises [1][2] - The service port integrates over 200 high-quality domestic and international resources, forming a comprehensive service system with a core service port, an ecological island for industry aggregation, a service base for comprehensive solutions, and a multi-point layout for domestic and international operations [1][2] Group 2: Innovative Service Scenarios - The service port will innovate and cultivate four key service scenarios: "All-Space Unmanned Systems + Going Abroad," "Smart Equipment Manufacturing + Going Abroad," "Deep-Sea Technological Innovation + Going Abroad," and "Legal, Financial, and Human Resources + Going Abroad," promoting the systematic internationalization of Chinese technology and solutions [2] - The port will also integrate ten high-level "going out" plans and 30 support measures across various fields, providing a comprehensive solution for overseas development that is full-process, one-stop, and strongly safeguarded [2] Group 3: Economic Development Initiatives - The Tianjin Economic-Technological Development Area aims to leverage the service port to create new advantages in open channels, enhance international technology cooperation, and upgrade industries such as high-end equipment, new energy, and biomedicine [2][4] - The establishment of a "Beijing-Tianjin-Hebei Industry Going Abroad Alliance" will promote collaboration among key parks in the three regions, enhancing the quality and effectiveness of coordinated development [2] Group 4: Project Launch and Partnerships - The event saw the unveiling of the "Teda Industry Cross-Border Outbound Ecological Island" and the signing of agreements by over ten companies, including Tianjin Xin Financial Investment Co., Ltd., to support the development of projects in areas such as overseas warehouses, cross-border logistics, and digital trade [3] - The event featured discussions on technology transfer and practical experiences in international markets, providing valuable insights and data for enterprises [3]

此次活动邀请了生物科技、农业发展和教育等领域四家企业进行现场路演和交流答疑。"后续，我们将 与多家金融机构协作，为企业不同发展阶段融资需求提供综合性金融服务，共同为民营企业提供持续、 高效的融资支持，有效提升融资可得性和效率。"四川中行负责人说。 据悉，四川中行是成都市民营经济发展促进中心首批合作的金融机构。一直以来，该行持续推动金融资 源向实体经济有效供给，为实体企业提供有效的金融支持，助推成都市民营经济高质量发展。（曾俊 鹏） 编辑：王春霞 转自：新华财经 近日，由中国银行四川省分行（以下简称：四川中行）主办的"成都市金融服务接力计划"第五期专场路 演活动开展。该行聚合多家金融机构，共同为民营企业搭建金融服务平台，为当地民营经济蓬勃发展注 入金融动能。 据了解，"成都市金融服务接力计划"由中共成都市委金融办、市民营经济发展促进中心发起，致力于搭 建平台、撮合资源，打破金融机构各自提供服务的"单打独斗"传统模式，建立"主办行推荐、多家机构 接力"的创新服务机制，发挥政策引导与市场机制相结合的桥梁纽带作用，为金融与产业深度融合创造 有利条件。 ...

在广州，越来越多的新能源车主发现，自己的车不仅能代步，还能当"移动充电宝"赚钱——夜间用低价 电充电，白天把电卖给电网，一天最多能赚200余元。 自今年3月入选首批车网互动规模化应用试点城市以来，广州亮点频出，诞生了全国首张居民个人V2G 结算单，建成全国最大V2G微网等。"车网互动（V2G）"新模式，正在让广州这座拥有125万辆新能源 车的超大城市，探索出一条车桩网产业共赢的协同发展新生态。 而这背后，正是南方电网积极探索"政企协同、产业共融、市场驱动"车网互动发展路径的生动实践。南 方电网充分发挥央企平台作用，以入选首批车网互动规模化应用试点为契机，持续完善市场机制，推进 电动汽车与电网融合互动，助力新型能源体系和新型电力系统建设，为加快建设现代化产业体系提供支 撑。截至目前，南方电网经营区车网互动电量超1500万千瓦时。 从"开车花钱"到"停车赚钱" 广州车主"晒"收益 "晚上使用家用充电桩充电，每度电成本不到0.3元，白天到园区放电，一度电收益3元，算下来一天最 多能赚200余元！"10月中旬，在国内规模最大的V2G示范项目——广州广汽埃安园区V2G示范站，车主 唐先生看着计量表上跳动的数字，算了笔" ...

转自：新华网 安徽省建科院绿色低碳分院院长沈念俊勾勒出城市绿电从"有"向"好"与"巧"转变的新需求。阳光电源技 术专家唐忠廷则从技术维度阐释了三种连接路径："远方的连接"来自荒漠海洋的超级电站，"身边的连 接"体现为分布式光伏，而"个人的连接"正通过家庭光储系统让每个人成为绿电的参与者和受益者，阳 光电源始终秉持正向设计理念，以用户不断变化的需求作为产品研发的价值原点。 作为视觉传达艺术设计的带头人，中央美术学院教授金贵成从美学与城市融合的角度提出了新能源设备 发展的两大趋势：一方面是集成化、标准化的路径，另一方面则是在新兴城市建设与城市美化进程中朝 着个性化、场景化的定制方向发展。 11月28日，对话"连接的力量"主题体验活动在合肥市启动。作为2025阳光电源全球品牌周的一项活动， 当日，阳光电源邀请行业专家、媒体、客户代表等，通过探访体验、主题对话、创意展览等线上线下联 动活动，深入探寻一度绿电如何跨越山河、融入日常，构筑起一座通往可持续未来的清洁能源之桥。 探厂直击：走进绿电设备研发、检测、生产一线 从阳光电源总部出发，品牌中心总经理李秋宜向探访团成员介绍了企业在光、风、储、电、氢五大赛道 的全球布局— ...

第二十一届中 转自：新华财经 11月27日，以"多元协同联动·激发消费活力"为主题的第二十一届中国茶业经济年会经贸洽谈会在浙江新昌举办。本次活动汇聚了全国主要产茶区的政府代 表、龙头茶企负责人、行业专家，以及电商、供应链和零售创新领域的跨界嘉宾，共同探讨茶业发展新机遇，绘就产业消费振兴新蓝图。 国茶业经济年会经贸洽谈会现场 创新机制：从"展示场"升级为"对接枢纽" 本届洽谈会突破传统模式，在架构上实现双重创新。 在空间规划上，大会首创以"经贸精准定位"为导向的茶席布局，将产区政府、龙头企业、渠道商、投资方等进行精准匹配，使每个茶席成为一个高效的微型 对接平台，显著提升了洽谈的精准度与合作成功率。 百度电商全国负责人朱炜佳 经贸会现场 在参会阵容上，大会展现出强大的"磁场效应"，不仅吸引了零售巨头胖东来与科技领军企业百度等跨行业领军者亲临现场，更有一批在供应链、品牌营销、 数字技术等领域的配套服务骨干企业安徽捷迅光电技术有限公司、浙江甲骨文超级码科技股份有限公司、中能达（厦门）自动化科技有限公司、忆美园（福 建）农业开发有限公司、石家庄正定国际小商品城集团有限公司、福州九宫格包装有限公司、恒福茶文化股份有限公司 ...

Core Insights - The successful implementation of the foreign employee salary facilitation service by CITIC Bank's Nanjing branch highlights the bank's commitment to enhancing the efficiency and convenience of foreign exchange processes for enterprises [1][2] - The innovative model of "one-time review, online processing for a year" effectively addresses the cumbersome procedures involved in foreign employee salary foreign exchange [1] - CITIC Bank's approach emphasizes reducing procedural complexity while enhancing service quality, thereby supporting the development of an open economy and improving the regional business environment [1] Summary by Sections - **Service Innovation**: CITIC Bank's Nanjing branch has introduced a new model for handling foreign employee salary payments, allowing for a streamlined process that requires only initial documentation for ongoing transactions [1] - **Customer Experience**: The service enables foreign employees to conduct currency exchange through mobile banking, eliminating the need for physical bank visits and enhancing user convenience [1] - **Strategic Goals**: The bank aims to continue reforming and innovating in the foreign exchange sector, focusing on measures that benefit market participants and contribute to high-quality enterprise development [2]

Core Insights - The event themed "Creating a New Engine for the Development of the Biological Economy in Heilongjiang" highlighted the achievements of Harbin Pharmaceutical Group Biological Vaccine Co., Ltd. (referred to as "Harbin Vaccine") as a leading enterprise in veterinary biological products in Heilongjiang for 63 years, showcasing the synergy of resource endowment, technological reserves, and policy support in the region's biological economy [2] Group 1 - Harbin Vaccine has established a solid innovation foundation through its SPF experimental animal production base and deep collaborations with various research institutions, leading to significant growth in recent years [2] - The company has received 10 new veterinary drug certificates and generated nearly 10 million yuan in technology transfer income, with new product sales exceeding 20 million yuan, covering over 80% of the national market [2] Group 2 - Three key recommendations were proposed to address industry pain points: forming a provincial innovation consortium for veterinary biological products to integrate resources from universities, research institutions, and leading enterprises; establishing a risk warning mechanism for the supply chain; and creating a local supply-demand matching platform to promote the application of local vaccine products in large-scale breeding enterprises [3]

Core Viewpoint - Shenzhen Construction Bank is actively enhancing its role as a state-owned bank to support foreign trade and stimulate consumer spending through various financial services and initiatives [1][2]. Group 1: Support for Foreign Trade - From January to October, Shenzhen Construction Bank provided trade financing support of 34.3 billion yuan, a year-on-year increase of 44% [1]. - The bank has implemented five key strategies to stabilize foreign trade, including facilitating international settlements and financing for foreign trade enterprises [1]. - The bank has expanded the scope of its facilitation policies to include more foreign trade enterprises, resulting in significant growth in the number of serviced enterprises and transaction volumes [1]. - Financial technology applications have been enhanced to improve cross-border payment experiences, with services like "Cross-border Easy Payment" and digital wallet remittance covering 14 countries and regions [1]. - Support for cross-border e-commerce has been strengthened, with related business volume exceeding 4.2 billion yuan, a 60-fold increase year-on-year [1]. - Trade financing services have been extended to core enterprises in the foreign trade supply chain, with financing disbursements exceeding 5.7 billion yuan, a 171% increase [1]. Group 2: Promotion of Consumer Spending - Shenzhen Construction Bank has launched five specific measures to stimulate consumer spending, focusing on convenience and benefits for residents [2]. - The bank's credit card installment services have played a significant role in large consumer purchases, with over 5 billion yuan in credit card installments provided, including nearly 2 billion yuan for new energy vehicles [2]. - Collaboration with government initiatives has been strengthened to promote "old-for-new" consumption upgrades, resulting in over 1 billion yuan in consumer spending [2]. - Personal consumer loan services have been optimized, with average loan rates reduced by over 30 basis points, and over 300 billion yuan in loans provided to more than 400,000 customers [2]. - The bank has implemented a consumer loan interest subsidy policy, serving over 32,000 customers and supporting 91,600 transactions within two months of the policy launch [2]. - A "financial + commercial" consumption ecosystem has been developed, attracting over 250,000 participants in promotional activities [2]. Group 3: Service Effectiveness - Shenzhen Construction Bank has successfully implemented a comprehensive financing solution for a rapidly globalizing new energy enterprise, providing 1.5 billion yuan in financing through an "internal and external trade insurance" model [3]. - In the auto financing sector, the bank has established a full-chain service system, improving operational efficiency by over 30%, with 22,000 auto financing applications processed, 55% of which were for new energy vehicles [3]. Group 4: Future Commitment - Shenzhen Construction Bank aims to continue supporting the development of Shenzhen and contribute to the construction of a modern and beautiful life for its residents, acting as a "guardian" for enterprises going global and a "co-builder" for the people's well-being [4].

Core Viewpoint - The event themed "Building a New Engine for the Development of the Biological Economy in Heilongjiang" highlighted the commitment of BGI Group to support the development of Heilongjiang's biological economy through technological innovation and collaboration [2]. Group 1: Company Initiatives - BGI Group aims to establish a comprehensive service system covering precision medicine, public health, and life science research, supported by the establishment of the Heilongjiang BGI Medical Testing Laboratory in 2023 and the Heilongjiang Future Laboratory in 2024 [2]. - The company plans to implement the "Heilongjiang Million Health Cohort" project to collect multi-omics health data from the cold region population, facilitating research and development of new screening and diagnostic technologies for prevalent diseases [3]. Group 2: Strategic Recommendations - BGI Group emphasizes the importance of supporting the "Healthy Heilongjiang" initiative by implementing inclusive projects that reduce medical insurance costs and enhance public health [3]. - The company proposes to develop modern seed industry technologies to ensure the safety of the "Black Soil Granary," focusing on core technologies in seed industry and collaborating with local research institutions to develop proprietary crop varieties [3]. - BGI Group plans to initiate the "Black Soil Microbiome" research project to create new microbial agents and bio-fertilizers aimed at improving soil health and promoting sustainable agricultural development [3].