基金托管人：中国建设银行股份有限公司 报告送出日期：2025 年 7 月 18 日 鹏华沪深港新兴成长混合 2025 年第 2 季度报告 鹏华沪深港新兴成长灵活配置混合型证券 投资基金 基金管理人：鹏华基金管理有限公司 §1 重要提示 基金管理人的董事会、董事保证本报告所载资料不存在虚假记载、误导性陈述或重大遗漏， 并对其内容的真实性、准确性和完整性承担个别及连带的法律责任。 基金托管人中国建设银行股份有限公司根据本基金合同规定，于 2025 年 07 月 17 日复核了本 报告中的财务指标、净值表现和投资组合报告等内容，保证复核内容不存在虚假记载、误导性陈 述或者重大遗漏。 基金管理人承诺以诚实信用、勤勉尽责的原则管理和运用基金资产，但不保证基金一定盈利。 基金的过往业绩并不代表其未来表现。投资有风险，投资者在作出投资决策前应仔细阅读本 基金的招募说明书及其更新。 本报告中财务资料未经审计。 本报告期自 2025 年 04 月 01 日起至 2025 年 06 月 30 日止。 §2 基金产品概况 基金简称 鹏华沪深港新兴成长混合 基金主代码 003835 基金运作方式 契约型开放式 基金合同生效日 201 ...

业务办完后，大堂经理细心地为老人整理好衣角，慢慢推起轮椅。从大堂到门口的斜坡，她特意控制着 速度，避免轮椅颠簸。到达路边的等候区，还不忘把老人的水杯放在触手可及的地方："您家人马上就 到，在这儿歇着等就行，有事儿随时喊我。" 老人望着大堂经理忙碌的背影，又看了看柜台上 "爱心服务岗" 的标识，布满皱纹的脸上露出了笑容， 对着工作人员的方向缓缓竖起了大拇指。这无声的赞许，如同投入湖面的石子，在所有人心中漾起温暖 的涟漪。 这样的场景，在该行早已成为日常。多年来，该行始终将特殊群体的服务需求融入日常运营的每个细 节：无障碍坡道定期检修、盲文业务指南随时更新、员工定期参加手语培训…… 用看得见、摸得着的 举措，让金融服务跨越障碍。 "金融服务不该有门槛，每个客户都该被温柔对待。" 建行烟台南大街支行负责人表示，未来将继续升 级便民服务设施，拓展 "爱心服务清单"，让轮椅转动的轨迹里，始终满载着专业与关怀，让温暖成为 网点最鲜明的底色。 近日，阳光透过玻璃窗洒在建行烟台南大街支行的大堂里，一位乘坐轮椅的老人在家人陪伴下缓缓驶入 网点。老人花白的头发下，眼神里带着几分局促与期待，刚到门口，大堂经理便快步迎上前，脸上漾着 ...

Core Viewpoint - The article highlights the exemplary customer service provided by the staff at the CCB Jining Cultural East Road Branch, showcasing their commitment to a customer-centric approach during a critical situation [1][2]. Group 1: Customer Service Excellence - A middle-aged woman urgently needed a credit certificate for her child's study abroad, prompting immediate assistance from the staff despite it being during their lunch break [1]. - The staff member quickly reassured the customer and took proactive steps to resolve the issue, demonstrating empathy and professionalism [1]. - The customer expressed deep gratitude upon receiving the certificate, acknowledging the staff's dedication and service quality [2]. Group 2: Commitment to Customer-Centric Philosophy - The actions of the CCB Jining Cultural East Road Branch staff exemplify the bank's "customer-first" service philosophy [2]. - The bank aims to continue motivating employees to provide warm and professional service, enhancing customer experiences and building positive financial service stories [2].

Core Points - A heartwarming story unfolded at the CCB Linyi Jiexixi Branch, where a senior customer accidentally left behind 10,000 yuan in cash after a withdrawal, highlighting the bank's commitment to customer service [1] - The bank staff quickly initiated an emergency response to locate the customer, demonstrating their professionalism and efficiency in handling the situation [1] - The incident showcases the financial institution's "customer-centric" service philosophy, emphasizing the importance of maintaining effective communication with elderly clients [1] Summary by Sections - Incident Description - An elderly customer left 10,000 yuan in cash at the bank after a hurried withdrawal, which was discovered by the staff during routine checks [1] - The staff reported the situation to the branch manager, who reviewed surveillance footage but faced challenges due to incomplete customer information [1] - Emergency Response - The bank activated an emergency plan, collaborating with local police to retrieve the customer's family information [1] - After several attempts, the staff successfully contacted the elderly customer through their family, ensuring the cash was returned [1] - Customer Reaction and Future Actions - The elderly customer expressed deep gratitude upon receiving the cash, praising the bank for its responsibility and efficiency [1] - The branch manager indicated plans to enhance information maintenance for elderly clients and encourage them to provide valid contact details for future assistance [1]

近日，建行临沂启阳支行营业大厅内突然闯入一位心急如焚的客户，他手中紧紧攥着一个被大火烧毁的 塑料袋子，里面是三十多张百元钞票。因家中意外失火，存放现金的袋子被点燃，导致钞票边角焦黑、 部分粘连破损，甚至有些已残缺不全，状况十分糟糕。客户满脸愁容，眉头紧锁，声音里满是焦虑，担 心这些钱就此作废，损失惨重。 见此情景，该行工作人员立刻上前，小心翼翼地接过袋子。他们轻轻将残钞从烧毁的袋子中取出，摊放 在工作台上。柜员迅速将情况上报给营运主管，主管第一时间赶到柜台，与柜员一同仔细查看这些残损 币的状况。 当客户接过那些崭新的纸币时，激动得热泪盈眶，握着工作人员的手，不停地说着感谢的话语，言语间 满是感激与动容。 此次事件，生动诠释了建行临沂启阳支行 "以客户为中心" 的服务理念，展现了工作人员专业、负责的 职业素养。该行的工作人员用实际行动为客户减少损失，让客户感受到了建行服务的温暖与可靠。相信 未来，建行会以更优质的服务，为更多客户排忧解难，持续传递金融温度。 面对这棘手的难题，两人丝毫不敢懈怠，秉持着严谨负责的态度，严格依据《中国人民银行残缺污损人 民币兑换办法》，对每一张残损币进行细致辨别。由于纸币受损严重，不 ...

Group 1 - The core viewpoint of the article highlights the significant changes in China's deposit interest rates, marking the beginning of a new era with rates dropping to the "1.0 era" as of July 2024 [1][3] - The People's Bank of China and the China Banking and Insurance Regulatory Commission have officially announced a comprehensive reduction in deposit interest rates, impacting savings behavior [1][3] - The adjustment features a drastic reduction in the interest rate for demand deposits to 0.05%, leading to a significant decrease in returns for savers [3][5] Group 2 - The new interest rate structure shows a tiered decline in fixed deposit rates, with specific rates for different terms, such as 0.65% for 3-month deposits and 1.30% for 5-year deposits [3][5] - The phenomenon of "interest rate inversion" is noted, where the 5-year deposit rate is only slightly higher than the 3-year rate, raising concerns about liquidity and opportunity costs for savers [3][5] - The minimum deposit for large certificates of deposit remains at 200,000 yuan, but the issuance of certain terms has been suspended, limiting options for long-term high-yield investments [4][5] Group 3 - Three strategies for managing 100,000 yuan in deposits are proposed, including a laddered deposit approach, a large certificate of deposit and investment combination, and a cross-bank arbitrage strategy [5][6][7] - The laddered deposit method suggests a mix of short and medium-term deposits to maintain liquidity while securing higher interest rates [5][6] - The cross-bank arbitrage strategy recommends diversifying deposits across different banks to take advantage of varying interest rates, potentially increasing annual returns by 24% compared to a single bank approach [7][9] Group 4 - The article addresses common questions regarding deposit strategies in the current interest rate environment, advising on the timing of deposits and the risks associated with long-term fixed deposits [9][10] - It emphasizes the importance of understanding the hidden terms of large certificates of deposit and the safety of deposits in smaller banks, which may offer higher rates [9][10] - The expectation of further declines in deposit rates suggests that savers should consider alternative investment options to maintain returns above inflation [10][11] Group 5 - The article concludes that the recent interest rate adjustments represent both challenges and opportunities for savers, urging a shift from traditional banking practices to more dynamic asset allocation strategies [11][13] - A recommended asset allocation strategy is proposed, suggesting a balanced approach across low, medium, and high-risk investments to adapt to the new financial landscape [11][13] - The emphasis is placed on the importance of actively managing savings and investments in a rapidly changing interest rate environment, highlighting that being proactive in financial management is crucial [13]

Group 1: China Construction Bank's Green Finance Development - China Construction Bank's Hubei branch launched the "Green New Pioneer Equity Investment Fund," the first green low-carbon equity investment fund of the group, with a total scale of 1.5 billion yuan [1] - The fund focuses on ecological environmental protection and high-quality development along the Yangtze River Economic Belt, targeting emerging industries in ecological protection, clean energy, and green transportation [1] - The bank plans to leverage its integrated commercial and investment banking advantages to explore the green finance development potential along the Yangtze River Economic Belt through its 13 first-level branches in 11 provinces and cities [1] Group 2: China UnionPay's "Vital Life Card" - China UnionPay launched the "Vital Life Card," a card product tailored for the elderly and those preparing for retirement, in collaboration with commercial banks and industry partners [2] - The card product matrix includes debit and credit cards issued by commercial banks aimed at the elderly, as well as social security cards that meet bank criteria [2] - The initial offering includes 12 benefits across six categories related to high-frequency consumption scenarios such as healthcare, nursing care, retirement communities, daily life, high-end vacations, and high-end medical services [2]

雷鸣早期主要在建设银行下属的分行任职，曾任该行上海市分行办公室主任、上海南汇支行行长、上海 市分行电子银行部总经理等职务。 2011年11月至2016年4月，雷鸣任建设银行金融市场部下设商品与期货交易部副总经理；2016年4月至 2018年5月，任该行金融市场交易中心副总经理。 【导读】建设银行聘任雷鸣为副行长，此前任建信金科董事长 7月17日晚间，建设银行发布公告称，该行董事会于当日在北京以现场会议方式召开，同意聘任雷鸣担 任副行长，待国家金融监督管理总局核准其任职资格后履职。 时隔7年 雷鸣回归建行总行 据悉，雷鸣为建设银行"老将"，自1995年毕业后便加入建设银行，拥有30年银行从业经验。雷鸣此前担 任建信金融科技有限责任公司（以下简称建信金科）的董事长。 公开资料显示，雷鸣，出生于1969年12月，同济大学工业自动化专业研究生毕业，获工学硕士学位，高 级经济师。 财报数据显示，截至今年一季度末，建设银行集团资产总额为42.79万亿元，较上年末增加2.22万亿元， 增幅为5.48%。报告期内，该行实现营业收入1900.7亿元，同比下降5.4%；利息净收入为1419.23亿元， 较上年同期减少5.21%。 ...

中国基金报记者 马嘉昕 7月17日晚间，建设银行发布公告称，该行董事会于当日在北京以现场会议方式召开，同意聘 任雷鸣担任副行长，待国家金融监督管理总局核准其任职资格后履职。 公开资料显示，雷鸣，出生于1969年12月，同济大学工业自动化专业研究生毕业，获工学硕 士学位，高级经济师。 雷鸣早期主要在建设银行下属的分行任职，曾任该行上海市分行办公室主任、上海南汇支行 行长、上海市分行电子银行部总经理等职务。 【导读】 建设银行聘任雷鸣 为 副行长，此前任建信金科董事长 时隔7年 雷鸣回归建行总行 据悉，雷鸣为建设银行"老将"，自1995年毕业后便加入建设银行，拥有30年银行从业经验。 雷鸣此前担任建信金融科技有限责任公司（以下简称建信金科）的董事长。 建行高管团队将迎来"一正四副"格局 值得一提的是，约在一个半月前，建设银行已迎来一名副行长。 5月23日，建设银行发布公告称，国家金融监督管理总局现已核准韩静的任职资格，韩静正式 就任该行副行长；4月18日，该行董事会同意聘任韩静担任该行副行长。 整体来看，在雷鸣任职资格获得监管核准后，建设银行高管团队将迎来"一正四副"格局，分 别为：行长张毅、副行长韩静、副行长兼 ...

基金管理人：鹏华基金管理有限公司 基金托管人：中国建设银行股份有限公司 鹏华中证 800 证券保险指数型证券投资基 金(LOF) 报告送出日期：2025 年 7 月 18 日 鹏华中证 800 证券保险指数(LOF)2025 年第 2 季度报告 §1 重要提示 基金管理人的董事会、董事保证本报告所载资料不存在虚假记载、误导性陈述或重大遗漏， 并对其内容的真实性、准确性和完整性承担个别及连带的法律责任。 基金托管人中国建设银行股份有限公司根据本基金合同规定，于 2025 年 07 月 17 日复核了本 报告中的财务指标、净值表现和投资组合报告等内容，保证复核内容不存在虚假记载、误导性陈 述或者重大遗漏。 基金管理人承诺以诚实信用、勤勉尽责的原则管理和运用基金资产，但不保证基金一定盈利。 基金的过往业绩并不代表其未来表现。投资有风险，投资者在作出投资决策前应仔细阅读本 基金的招募说明书及其更新。 本报告中财务资料未经审计。 本报告期自 2025 年 04 月 01 日起至 2025 年 06 月 30 日止。 §2 基金产品概况 基金简称 鹏华中证 800 证券保险指数(LOF) 场内简称 证保 LOF 基金主代 ...