新华社香港8月13日电 香港恒生指数13日涨643.99点，涨幅2.58%，收报25613.67点。全日主板成交 2840.41亿港元。 国企指数涨233.2点，收报9150.05点，涨幅2.62%。恒生科技指数涨191.62点，收报5630.78点，涨 幅3.52%。 蓝筹股方面，腾讯控股涨4.74%，收报586港元；香港交易所涨2.28%，收报439.8港元；中国移动涨 0.57%，收报88.8港元；汇丰控股涨1.3%，收报101.5港元。 香港本地股方面，长实集团涨1.44%，收报37.94港元；新鸿基地产涨1.54%，收报95.35港元；恒基 地产涨1.99%，收报28.7港元。 中资金融股方面，中国银行涨1.1%，收报4.6港元；建设银行涨0.88%，收报8.02港元；工商银行涨 0.98%，收报6.16港元；中国平安涨1.61%，收报56.8港元；中国人寿涨0.71%，收报22.8港元。 石油石化股方面，中国石油化工股份涨0.68%，收报4.47港元；中国石油股份涨0.39%，收报7.7港 元；中国海洋石油涨1.17%，收报19.01港元。 【纠错】 【责任编辑:吴京泽】 ...

Core Viewpoint - Southbound capital has seen a record net inflow of over 910 billion HKD this year, indicating strong interest in the Hong Kong stock market, which has outperformed major global indices [2][4]. Group 1: Southbound Capital Inflow - As of August 12, 2023, the cumulative net inflow of southbound capital reached 910.29 billion HKD, surpassing the total for the entire year of 2024, with over 80% of trading days showing net inflows [4]. - The financial, information technology, consumer discretionary, healthcare, and communication services sectors have the highest market value holdings from southbound capital [4]. - Major holdings include Tencent Holdings at nearly 560 billion HKD, with other significant positions in China Construction Bank, China Mobile, and Industrial and Commercial Bank of China, each exceeding 200 billion HKD [4]. Group 2: ETF Inflows - The top ten cross-border ETFs by net inflow this year are all Hong Kong products, with the Huaxia Hong Kong Internet ETF leading at 33.37 billion HKD [4]. - Other notable ETFs include the Southern Hong Kong Technology 30 ETF and the E Fund Hong Kong Non-Bank ETF, each attracting over 10 billion HKD [5]. Group 3: Market Dynamics and Valuation - The pricing power of southbound capital in the Hong Kong market varies by sector, with significant influence in dividend stocks, while growth stocks remain contested between domestic and international investors [5]. - The southbound trading volume has risen to over 40% of the total trading amount for interconnect stocks, with expectations of cumulative net inflows exceeding 1 trillion HKD by 2025 [5]. - The Hong Kong market is viewed as being in a mid-stage of value recovery, with key sectors like internet and innovative pharmaceuticals still undervalued [7]. Group 4: Future Outlook - The Hong Kong stock market is expected to benefit from improved liquidity, reduced external risks, and potential policy support, leading to a narrowing of the A/H premium [7]. - The internet sector is anticipated to begin a valuation recovery from the second half of 2024, with significant growth potential for technology stocks as the market sentiment shifts from pessimism to neutrality [7].

Core Points - The article highlights the exceptional customer service provided by the Bank of China in Yantai, particularly during the high-temperature period when many retirees come to collect their pensions [1][2] - The bank's staff demonstrated empathy and efficiency by quickly assisting an elderly customer who had lost his salary card, showcasing the importance of customer care in the banking industry [2] Group 1 - The bank implemented a "green channel" service for elderly customers, allowing them to bypass long queues and receive prompt assistance [1][2] - The entire process of identity verification and new card issuance for the elderly customer took only ten minutes, reflecting the bank's commitment to efficiency [2] - The positive response from other customers in the queue indicates a strong community support for the bank's customer service initiatives [2] Group 2 - The bank's actions are described as creating a "cool oasis" in the heat, emphasizing the role of financial institutions in providing comfort and care to vulnerable groups [2] - The bank's service approach is not only about speed but also about showing respect and care for special groups, enhancing the overall customer experience [2]

近期，多位持卡人反馈因交易场景异常导致信用卡被临时止付，其中以 "同名商户交易" 和 "单一商户 高频交易" 两类情况最为突出。银行风控系统已针对此类行为启动强化监测，小编在此提醒卡友们：信 用卡使用需遵循 "场景多元化、交易合理化" 原则，避免因操作不当触发风控机制。 同名商户交易：触发身份关联风控： 部分持卡人在商户名称包含本人姓名的POS终端上交易时，收到银行即时警示短信，称 "交易涉及同名 商户且用途模糊，已执行临时止付"。从支付清算逻辑来看，此类交易易被系统判定为 "个人与商户存 在关联关系"，进而触发 "资金闭环流动" 嫌疑预警。如果卡片需解除限制，要按银行要求完成欠款清偿 及用途证明提交，最终审核结果将依据实际交易背景判定。 单一商户交易：高频大额已成风控重灾区： 支付行业数据显示，近半年来因 "单一商户交易集中" 导致的信用卡风控案例同比上升 37%，多家银行 已明确对此类行为采取降额、限权甚至冻结措施： 建设银行针对 "单一商家大额不实消费" 发出风控通知，部分卡友反馈信用额度被降了不少，同时明确 "再犯将执行卡片冻结"； 民生银行通过交易权限管控实现精准拦截，直接限制持卡人在特定商户的信用 ...

近日，国家知识产权局专利局天津代办处（以下简称"天津代办处"）积极作为，主动服务，成功指 导建行天津市分行完成首单网上全流程无纸化专利权质押登记业务，为企业知识产权质押融资开辟了更 加便捷高效的新路径。 网上全流程无纸化办理专利权质押登记业务涉及系统操作步骤、材料规范要求、注意事项等关键内 容。针对业务办理过程中可能出现的问题，代办处派专人结合实际案例进行深入分析和解答，确保银行 业务人员能够准确理解和掌握办理要点。在天津代办处的悉心指导下，中国建设银行股份有限公司天津 市分行顺利完成了相关材料的准备和系统填报工作，并成功提交专利权质押登记申请。天津代办处严格 按照工作流程，对提交的申请材料进行了认真审核，在确保材料完整、准确、合规的前提下，快速完成 了登记审批工作，为企业和金融机构节省了大量时间和成本。 下一步，天津代办处也将持续加强网上全流程无纸化宣传推广，引导更多相关银行了解和使用网上 全流程无纸化办理模式，让更多市场主体享受到高效便捷的知识产权服务，为营造良好的知识产权金融 生态环境、推动天津市知识产权事业高质量发展作贡献。（记者 栗雅婷） 在以往的专利权质押登记业务办理过程中，存在流程繁琐、材料递交 ...

从资金流向上来看，当日国有大型银行板块主力资金净流出11.18亿元，游资资金净流入2.88亿元，散户 资金净流入8.3亿元。国有大型银行板块个股资金流向见下表： 证券之星消息，8月13日国有大型银行板块较上一交易日下跌0.92%，建设银行领跌。当日上证指数报收 于3683.46，上涨0.48%。深证成指报收于11551.36，上涨1.76%。国有大型银行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 601658 | 邮储银行 | 6.03 | 0.50% | 182.10万 | 10.97亿 | | 601288 | 农业银行 | 6.80 | -0.73% | 716.06万 | 48.85 Z | | 601398 | 工商银行 | 7.70 | -1.03% | 336.02万 | 26.01亿 | | 601328 | 交通银行 | 7.58 | -1.30% | 193.97万 | 14.80 Z | | 601988 | 中国银行 | 5.58 | -1.41 ...

Core Viewpoint - The article discusses the implementation of financial policies aimed at boosting domestic consumption and demand, specifically through interest subsidies for personal consumption loans and service industry operating entities [1]. Group 1: Policy Implementation - On August 12, the Ministry of Finance and eight other departments released the "Implementation Plan for Loan Interest Subsidies for Service Industry Operating Entities" to enhance consumption and expand domestic demand [1]. - Concurrently, a joint announcement was made regarding the "Personal Consumption Loan Interest Subsidy Policy Implementation Plan" to support consumer spending [1]. Group 2: Bank Responses - Several major banks, including Industrial and Commercial Bank of China (ICBC), Agricultural Bank of China, and Bank of China, announced plans to implement interest subsidies for personal consumption loans starting from September 1, 2025, to lower consumer credit costs and stimulate market activity [2][3]. - ICBC emphasized that it would not charge any service fees for processing these loans and would not use any unofficial channels for applications [2]. - Other banks, such as China Construction Bank and Postal Savings Bank, also committed to simplifying processes and ensuring the effective implementation of these policies [3].

经过细致引导，王先生成功提交调额申请并完成转账，长舒一口气赞叹道："太感谢了！没想到隔着电 话就能解决大问题，真是帮了我的大忙！" 工作人员又细致解答了账户安全相关疑问，确保客户无后顾 之忧。 当营业厅灯光熄灭，服务的温度却在电话两端持续传递。建行济南新华支行工作人员指尖跃动的微光， 不仅照亮了手机银行的便捷路径，更穿透空间阻隔，将安心稳稳送到千里之外。这份跨越暮色的坚守， 正是建行 "无论何时何地，守护您的托付" 的无声诺言，让金融服务的温度始终在线。 "您别急，我们一起找原因。" 该行工作人员沉稳的声音瞬间抚平了王先生的不安。他一边安抚客户情 绪，一边敏锐引导其通过手机银行逐步排查问题。窗外夜色渐深，王先生忍不住担忧："你们是不是要 下班了？这钱今天还能转成吗？""您的事最重要，我们继续。" 工作人员的回答温和而坚定，毫不犹 豫。 在耐心询问中，工作人员判断问题症结在于转账额度限制。他立即指导王先生寻找手机银行 "提额申 请" 入口，逐句讲解线上调额的安全操作步骤。指尖在屏幕上的划动仿佛穿透空间，每一个指令都清晰 精准。屏幕微光映照着他专注的面容，每一次点击指导、每一句操作解释都力求准确无误。 暮色四合， ...

TERES 中国建设银行为客户提供现金管理工具的平 台,对接建信现金添利A等货币基金产品,风 险低、流动性高,且支持还卡还贷等特色服 务,是打理闲钱的好帮手。 star and the see and t 暑假兼职工资到账, 资金闲置可惜，该如何打理呢? 体验任务中心,百元权益等您解锁。 H t First 速盈中产品为建行代销货币基金 基金有风险, 告 投资需谨慎 烈日、蝉鸣、晚风与远方……暑假余额已充值完毕! 快和"搭子"速盈一起开启 暑假嗨FUN模式 02 资金到账快,急需用钱不耽搁 注:快速赎回服务仅支持速盈对接的建信现金添利货币基金A产品（代码:000693 ) 旅行中不用操心还款问题, 安心遛娃,欢快度假,赞! XX银行 尊敬的客户,您尾号XXXX信用卡账单7月 20日通过我行速盈自动还信用卡业务已足 额还款,本期账单已还清。 无惧琐事打扰,快乐不打折! ter 签约后,系统定期自动从速盈账户 中赎回还款所需资金,用于归还贷 给闲钱找个好"管家"! ថ្ម 兼具多重优势 轻松 [理每一分闲钱 FF XI (G 对接的产品为R1低风险货币基金。 低门槛 1分起投,无论钱多钱少都能参与。 l 时 : ...

Core Viewpoint - The article promotes a series of financial incentives for small and micro enterprises and individual businesses through the "CGB Hui Dong Ni" App, highlighting various cash rewards for signing loans, opening accounts, and utilizing services during a specified promotional period. Group 1: Loan Signing and Utilization Rewards - Small and micro enterprises and individual businesses can receive cash rewards ranging from 66 to 618 yuan for signing and utilizing loans, opening corporate accounts, and signing salary distribution agreements during the promotional period from July 7, 2025, to September 30, 2025 [1]. - New customers signing loans for the first time through the app can receive a 100 yuan cash reward [6]. - Existing customers who sign and utilize loans for the first time through the app can also receive a 100 yuan cash reward [6]. Group 2: Specific Customer Incentives - Customers who sign mortgage loans (regardless of the channel) with a utilization amount of 10,000 yuan or more can receive a 100 yuan cash reward [7]. - Innovative small and micro enterprises can receive a 100 yuan cash reward for utilizing loans for the first time through the app [10]. - CGB merchant customers can also receive a 100 yuan cash reward for their first loan utilization through the app [14]. Group 3: Account Opening and Salary Distribution Rewards - Customers opening a corporate basic or general account for the first time during the promotional period can receive a 66 yuan cash reward [21]. - Customers who complete the offline signing of the salary distribution service for the first time can receive a 66 yuan cash reward by logging into the app [23].