据悉，两家银行的实际控制人均为成都市国资委，高管之间的交叉流动早有先例。成都银行副董事长、 行长徐登义此前曾任成都农商银行副董事长、行长；而成都农商银行副董事长、行长王忠钦也曾长期在 成都银行任职。业内人士认为，此次人事调整进一步凸显了金融机构间高层管理人才的流动常态。 两家银行高度评价任期贡献 8月17日，成都银行与成都农商银行同步进行高层人事调整，实现"掌舵人"对调。 据两家银行公告显示，王晖辞去成都银行董事长、董事等职务，调任成都农商银行党委委员、书记，并 提名董事长人选；黄建军辞去成都农商银行董事长、董事等职务，调任成都银行党委委员、书记，并提 名董事长人选。 8月17日，A股上市的成都银行发布公告，该行20年"老将"王晖因"组织工作调动"辞去该行董事长、董事 等全部职务，接任者为原成都农商银行董事长黄建军，其已出任成都银行党委书记，并获提名担任董事 长。 同日，成都农商银行也发布公告，确认王晖将调任该行，担任党委书记，并获提名担任董事长。 成都银行年内获实控人增持 截至2025年一季度末，成都银行总资产达13348亿元，较2024年末增长6.77%，首次突破1.3万亿元大 关。 2024年，该行实现 ...

以数据、模型打造智慧经营与服务体系 数字经济时代，数字技术已经成为普惠金融发展的关键推动力。吉林亿联银行通过平台开放、API开放 和场景生态连接三步走的数字化银行建设，已完成100余个外部平台的产品对接，包括美团、京东、百 度、乐信等，基本覆盖目前市场80%的头部及腰部平台，累计服务各类客户超4000万人，获得发明专利 17个、软件著作权140个。其中"跨地域分布式多活架构的研究和实践项目"荣获原银保监会"2018年度银 行业信息科技风险管理课题研究二类成果奖"和人民银行"2018年度银行科技发展奖三等奖"，亿联银行 也曾获得了国家级高新技术企业的认定。 四大痛点制约普惠金融业务创新发展 普惠金融业务在国家政策的支持下，扩大了服务覆盖面，提升了金融可得性，但依然面临客群分散、商 机识别困难、产品同质化严重与客户体验有待提升诸多痛点。其中最突出的有四项：一是客户群体分 散，管理成本高，普惠金融的客户小额、分散，传统金融服务模式效率低，运营成本居高不下；二是千 人千面、情况复杂，尤其是小微客群，数量众多、需求多样，行业分布广泛，特点各不相同，难以精准 匹配信贷产品与服务；三是普惠产品同质化严重；四是客户存留难。 ...

技术赋能，国内整车销量同比大涨53.6% 小牛电动（NASDAQ: NIU）8月11日发布了2025年第二季度财报。报告显示，公司通过高端化产品和技 术普惠的双轮驱动，实现营收12.557亿元，同比增长33.5%；净利润590万元，成功实现同比扭亏为盈。 小牛电动对市场前景保持乐观，基于新品持续放量和传统销售旺季的到来，公司预计第三季营收将达 14.33亿至16.38亿，同比增长40%至60%。 目前，国内两轮电动车市场正处在一个由功能化向智能化转型的红利期中。作为该赛道极具竞争力的公 司，小牛电动以科技感和智能化收获了大批拥趸。就在财报发布前三天，小牛电动刚刚推出NS系列新 品，以3K价格段再次下探，成为传统品牌中高端市场的有力竞争者。 小牛电动CEO李彦表示："在中国电商旺季的五月和六月期间，我们的产品持续跻身电动自行车和电动 摩托车中高端车型最畅销行列。2025年上半年我们推出的新款车型以智能化升级和功能强化为特色，彰 显出我们对智能科技的不断追求。此外，我们的国内零售网络已拓展至4300多家门店，进一步夯实了本 土市场增长战略。海外市场方面，电动摩托车业务在上半年延续了稳健复苏态势，与我们的海外战略部 ...

8月15日，由北京市科委中关村管委会创新创业服务处、中关村高科技产业促进中心联合中关村独角兽 企业发展联盟、中国银行北京市分行主办的"独角兽企业融资对接会"在中关村特色园区——首钢园成功 举办。活动组织中金公司、高瓴创投、中银资产、中银证券以及北京证券交易所，与集成电路、金融科 技、新能源与新材料、智能装备等前沿领域的独角兽和潜在独角兽企业"一对一"交流对接，围绕债权、 股权、上市规划等提供全链条服务。 闭环服务：从"一次性对接"到"长效化陪伴" 此次活动不仅为独角兽企业与金融机构搭建了高效对接的桥梁，更彰显了北京在构建创新生态、破解企 业融资方面的务实举措。活动落幕不是服务终点，而是合作的新起点。 下一步，北京市科委、中关村管委会、中国银行北京市分行将围绕独角兽企业发展需求，持续组织与相 关机构的精准对接活动，推动合作意向转化为合作实质，助力企业在京做大做强做优。（资讯） 编辑：林森 投贷联动：圆桌对接碰撞合作火花 "我们计划明年启动Pre-IPO轮融资""北交所的最新审核标准对研发投入占比有哪些新要求？""公司正在 布局海外市场，能否对接跨境信贷和汇率避险工具？"在主题分享结束后，"投贷联动"圆桌交流环节 ...

Core Viewpoint - The article highlights the transformation of the domestic barley industry in China, driven by China Resources Beer’s "National Barley Revitalization" project, which aims to reduce reliance on imported barley and enhance the quality and production of domestic barley for the brewing industry [2][3][4]. Group 1: Industry Transformation - The "National Barley Revitalization" strategy initiated by China Resources Beer in 2021 has led to significant changes in the domestic barley landscape, moving from a reliance on nearly 90% imported barley to a growing domestic production [2][3]. - The project has resulted in a notable increase in the planting area of domestic barley, driven by an order-based agricultural model and collaborative efforts among industry peers [3][4]. - The quality of domestic barley has improved significantly, addressing previous issues such as high protein content and inconsistent quality, which hindered its use in brewing [7][8]. Group 2: Economic and Social Impact - The initiative aligns with national goals for rural revitalization, contributing to farmer income and promoting sustainable agricultural practices [6][9]. - The establishment of standardized planting bases covering over 16,000 acres has been a key achievement, enhancing the quality of domestic barley and supporting the overall development of the beer industry [10][11]. - The launch of the "ESG China National Barley Practice Base" signifies a commitment to integrating ESG principles with agricultural modernization, providing a model for industry development [9][10]. Group 3: Future Outlook - China Resources Beer plans to maintain a stable procurement ratio of around 10% for domestic barley, with expectations for gradual increases as quality continues to improve [8]. - The company emphasizes the importance of domestic barley as a reliable alternative to imported barley, especially in light of global supply chain uncertainties [6][8]. - The successful launch of high-end products like "Keng Fourteen," made entirely from domestic barley, challenges the perception that domestic barley cannot produce quality beer, marking a significant milestone for the industry [7][8].

国金证券资产管理有限公司（下文简称"国金资管"）凭借优秀的资产管理能力与全面高效的服务优势精 准切入超高净值资产管理赛道，并于2021年6月正式推出"定制家"品牌，成为业内较早聚焦超高净值客 户服务的高端专业资管服务品牌。定制家集国金证券全体系之力打造，旨在满足不同高端客户群体多元 化资管需求，为客户提供高品质、一站式资产管理服务。 通过四年持续深耕产品设计、资产配置等全 链条服务能力，国金资管定制家团队已逐步构建起了差异化竞争力。并赢得一批超高净值客户与财富管 理机构的信任。 "我们不做所谓标准化的传承方案，而是深入理解每个客户的独特性。"国金资管"定制家"负责人提到， 早期与客户沟通时发现客户的诉求不仅仅聚焦于追求资产保值增值，还涵盖了如何科学传承并保持长期 稳健成长等诉求。 文/胡金华 随着中国经济持续高质量发展，财富管理市场正经历结构性变革。胡润研究院、瑞银及Capgemini等权 威机构数据显示，中国高净值家庭数量已从2020年的206万户增长至2023年的211万户，预计2025年将突 破220万户。在全球范围内，中国超高净值人群（资产≥3,000万美元）占比已达13.7%，在服务侧，全球 家族办 ...

板块题材上，影视传媒、液冷服务器、华为海思概念走高，贵金属板块调整。 8月18日，A股全线高开，上证指数报3740.50点，突破2021年2月18日盘中创下的3731.69点高点，创下 自2015年8月20日之后的新高。 截至午盘，A股继续大涨，沪指涨1.18%，深成指涨2.25%，创业板指涨3.63%，北证50指数涨4.59%， 沪深京三市半日成交额17467亿元，较上日放量4196亿元。全市场超4400只个股上涨。 另证券时报报道，根据实时数据统计，截至10点34分，A股公司A股市值总和突破100万亿元，创历史新 高，这也是A股历史上首次突破100万亿元大关。 MACD金叉信号形成，这些股涨势不错！ 盘面上，影视传媒板块走强，百纳千成、华策影视、慈文传媒等数只个股涨停。液冷服务器板块持续走 强，曙光数创涨超20%，高澜技术、强瑞技术20CM涨停封板。川润股份、金田股份等数十只个股涨停 封板。华为海思概念股走强，晶赛科技30CM涨停，深圳华强、好上好涨停封板。贵金属板块调整，山 东黄金、赤峰黄金跌超1%。 备受关注的中国神华复牌"10CM"涨停。截至午盘，涨幅回落至5.27%，现报39.54元，最新市值为7 ...

Market Performance - A-shares indices opened high and rose, with the Shanghai Composite Index breaking the 2021 high of 3731 points, reaching a ten-year high since late August 2015, closing at 3740.5 points, up 1.18% [2] - The Shenzhen Component Index increased by 2.25% to 11896.38 points, while the ChiNext Index rose by 3.63% to 2626.29 points [2] - All 31 first-level industry sectors in the market saw collective gains, with telecommunications, comprehensive, and computer sectors leading the rise, while oil, real estate, and banking sectors lagged [2] Bull Market Analysis - Current market conditions may indicate the early stage of a bull market's main upward wave, supported by three key reasons [4] - Firstly, the turnover rate (total transaction amount/total market value) typically reaches a peak during the main upward wave of a bull market. Although trading volume has increased since April, the turnover rate remains significantly lower than the peak observed in early October 2024 [5] - Secondly, there is often a significant change in market style between the early and late stages of a bull market. Since April 2025, small-cap stocks have been dominant, suggesting that if the current phase is indeed the early stage of a bull market, a shift towards large-cap stocks may occur in the later stage [5] - Thirdly, during the main upward wave of a bull market, equity financing typically surges to historical highs. Previous bull markets from 2005-2007 and 2013-2015 saw rapid increases in equity financing during their main upward phases, while current levels remain low [5]

Group 1 - The "anti-involution" policy is showing initial effects, with improvements in CPI and PPI data indicating a potential recovery in certain industries [1][2][3] - In July, the CPI increased by 0.4% month-on-month, driven by rising prices in services and industrial consumer goods, particularly in the automotive sector [4][1] - The PPI saw a month-on-month decline of 0.2%, but the rate of decline narrowed for the first time since March, suggesting a stabilization in pricing for key industries such as coal, steel, and lithium battery manufacturing [3][1] Group 2 - The manufacturing PMI dropped to 49.3% in July, indicating a contraction, with both production and demand weakening under the current economic conditions [2][1] - Industrial production growth slowed, with July's industrial value-added growth at 5.7% year-on-year, down from 6.8% in June, reflecting the short-term impact of the "anti-involution" policy [5][6] - Investment in manufacturing decreased significantly, with a drop from 5.1% in June to -0.3% in July, highlighting the challenges faced by industries like automotive and photovoltaic [6][5] Group 3 - The "anti-involution" policy is expected to lead to a more efficient and innovative competitive environment in the long term, potentially boosting prices and corporate profits [6][1] - The government is actively managing supply and demand dynamics in key sectors such as steel and coal, which may lead to production pressures in the future [6][5] - The overall industrial production index for July was 50.5%, indicating a slight decline, which may reflect the ongoing adjustments in response to the "anti-involution" measures [6][5]

Core Viewpoint - The article emphasizes the shift in China's urban development from rapid expansion to quality improvement, highlighting the importance of urban renewal as a key policy direction for future urban growth [2][3]. Urban Development Transition - Urbanization in China has transitioned from a rapid growth phase to a stable development phase, necessitating a focus on urban renewal rather than new real estate development [2][3]. - The recent central government meetings and documents have underscored urban renewal as a critical focus for future urban development [2][3]. Definition and Importance of Urban Renewal - Urban renewal is defined as the process of maintaining, renovating, demolishing, and expanding existing urban buildings to optimize land resource allocation and improve living conditions [5][6]. - The article notes that past approaches to urban renewal, primarily driven by real estate development, are no longer effective due to changing urbanization dynamics [6][7]. Systematic Reconstruction - Future urban renewal efforts must involve systematic reconstruction, integrating policy frameworks, financial tools, and innovative operational models to achieve sustainable outcomes [3][7]. - The focus should shift from large-scale demolition to targeted improvements, such as enhancing old neighborhoods and preserving historical buildings [7][8]. Policy Framework and Goals - The recently issued "Opinions" document outlines ten goals, six principles, eight tasks, and four support measures for urban renewal, marking a significant top-level design in this area [8][9]. - The document addresses the urgent needs of urban transformation, including the challenges posed by existing regulations and the necessity for innovative solutions [9][10]. Integration with Housing Standards - The integration of urban renewal with the "good housing" initiative is crucial, as both aim to enhance living conditions and address the current housing market challenges [11][12]. - Urban renewal can transform old buildings into "good housing" by improving quality, functionality, and services [12][13]. Land and Financial Policies - Land use and financial policies are identified as critical components for successful urban renewal, with the need for clear guidelines on mixed-use development and land rights [15][16]. - Financial strategies should leverage public funds, encourage private investment, and explore innovative financial products to support urban renewal projects [16][17].