近日，财政部、国家税务总局联合发布公告，宣布自8月8日起恢复对国债、地方政府债及金融债利息收入征收增值税。 业内认为，新规之后，险资"免税资产+高股息权益"配置风格有望加强。只要银行股股息率仍显著高于无风险利率，险资的配置需求就有望持续。 值得关注的是，优选AH两地银行股的银行AH优选ETF（517900）持续获资金追捧，今年以来获资金净流入合计8.4亿元，份额增幅达644%，增速居银 行类ETF首位。 【恢复征收债券利息增值税，高股息资产吸引力提升】 这一政策调整在引发广泛关注，业内人士分析认为，债券投资的税后收益率将有所下降，高股息资产的相对吸引力或小幅提升，尤其是银行等板块， 可能成为资金关注的重点。 方正证券分析认为，尽管国债、地方债及金融债恢复征收增值税，但对银行板块的基本面影响整体可控。银行股的股息率仍具备显著优势，且从资金 面来看，存量老券的需求可能提升，收益率有望下行；而增量新券的税后收益率同样面临下行压力。相比之下，银行高股息资产的性价比更加突出。 民生证券指出，税收调整后，险资配置上或有望转向更具税收优势或其他收益更高的投资品种，在鼓励保险作为中长期资金入市的情况下，长期来 看，权益配置有 ...

国有大行近期纷纷发布公告，火速响应个人消费贷款和消费行业贷款贴息政策。此前召开国务院常务会 议提出，实施个人消费贷款贴息政策与服务业经营主体贷款贴息政策。 多位业内人士指出，消费是最终需求，是生产的动力和最终目的。在大力提振消费的背景下，适当降低 个人消费贷款利率、提高贷款额度，合理延长贷款期限，放宽相关要求，有助于更好地发挥消费金融的 积极作用，更好地满足居民大宗消费和日常消费需求，帮助商户、企业扩大销售业绩，进一步助力提振 消费、扩大内需。 今年以来，在一系列增量政策措施推动下，国内消费市场回升向好，但恢复的态势并不稳固，特别是居 民消费需求仍然较为疲软，物价水平还在低位徘徊，市场信心和预期偏弱。多位业内专家认为，国务院 常务会议部署实施个人消费贷款贴息政策与服务业经营主体贷款贴息政策，具有必要性和紧迫性。 招联首席研究员董希淼表示，通过财政贴息，一方面降低居民消费信贷成本，提高居民运用金融杠杆扩 大消费的意愿和能力；一方面降低消费领域经营主体的融资成本，支持和鼓励经营主体提供更多优质产 品和服务，适度让利于民。而财政贴息政策将从需求和供给两端发力，并强化与金融政策协同，进一步 助力提振消费、扩大内需。 ...

"没想到银行送贷上门，不仅服务态度好、效率高，而且是信用贷款。"近日，湖北长泓工程服务有限公 司获得宣恩农商行投放的该行首笔300万元"中小企业商业价值信用贷"。 上半年，宣恩县游客接待量逼近千万规模，达992.95万人次，同比增长43.2%；实现旅游综合收入66.36 亿元，同比增长45.16%。新增住户存款11.7亿元，同比翻番，旅游产业贡献度超过60%，直接带动住户 存款增长40%，旅游重点项目建设间接带动住户存款增长20%。资金流的加速聚集还吸引了中国银行等 金融机构入驻宣恩，为全县经济发展增添了新的活力。 "企业成立不到一年，县里组织银行和担保公司上门服务，两家银行一起给贷了300万元，解了燃眉之 急，今年产值过1000万元没有问题。"湖北逸尔清食品有限公司负责人信心满满。 宣恩县以深入贯彻落实中央八项规定精神为契机，畅通中小微企业金融血脉，大力组织银行机构入园 区、进乡村，建通道、优流程、创产品、减成本，推动金融活水精准滴灌中小微企业，为解决融资难、 稳就业、促创新注入新动能。上半年，全县金融机构新增贷款15.09亿元，是2024年全年新增额度的1.17 倍，创历史新高。金融的强力要素保障刺激了经 ...

Core Viewpoint - The implementation of personal consumption loan interest subsidy policies and service industry loan interest subsidy policies is aimed at reducing credit costs for residents and financing costs for service industry entities, thereby stimulating consumption and enhancing market vitality [3][4][5] Group 1: Policy Implementation - Major banks, including Industrial and Commercial Bank of China (ICBC), Agricultural Bank of China, China Construction Bank, and others, are actively responding to the interest subsidy policies by preparing for their implementation to ensure effective transmission to numerous enterprises and households [1][4] - ICBC has developed a tailored financing solution for individual businesses, such as the "Yanhua Loan," to address urgent funding needs, exemplifying the bank's commitment to innovative inclusive finance [2][4] Group 2: Financial Product Innovation - Banks are continuously innovating inclusive financial products to support service-oriented business entities, with ICBC launching a series of specialized financial products to meet the financing needs of individual consumers and small businesses [2][4] - China Construction Bank and Agricultural Bank of China are also enhancing their loan offerings and developing action plans to align with the subsidy policies, focusing on diverse consumer needs and service industry financing [5][6] Group 3: Market Impact - The interest subsidy policies are expected to lower financing costs for both residents and service industry entities, thereby boosting consumption and improving the operational conditions of related businesses [7] - Analysts suggest that the policies will not only stimulate consumer demand but also provide banks with opportunities to expand their retail business and maintain competitive interest margins [7]

| 股票名称 | 沽空金额 | 沽空比率 | 偏离值↓ | | --- | --- | --- | --- | | 美团-WR(83690) | 159.09 万元 | 100.00% | 40.96% | | 华润啤酒-R(80291) | 59.82 万元 | 92.85% | 35.46% | | 洪桥集团(08137) | 2.60 万元 | 39.79% | 35.43% | | 李宁-R(82331) | 9.04 万元 | 100.00% | 32.41% | | 香港中华煤气(00003) | 6072.39 万元 | 55.99% | 31.92% | | 中集集团(02039) | 1462.74 万元 | 45.52% | 31.19% | | 三一国际(00631) | 2441.91 万元 | 49.34% | 31.13% | | 统一企业中国(00220) | 3941.55 万元 | 44.53% | 30.78% | | 中国银行(03988) | 4.15 亿元 | 43.75% | 27.98% | | 龙湖集团(00960) | 4038.38 万元 | 44.47% ...

Group 1 - The production line for silicon photonic engines in Wuhan can process over 100,000 units monthly, supporting high-speed network construction essential for data centers and communication bases [1] - The production line's launch was facilitated by a loan from the Construction Bank's Wuhan branch, enabling the company to upgrade its production line with high-precision equipment [1] - The introduction of advanced equipment at Wuhan Special Industrial Pump Factory was supported by a 20 million yuan loan from Zhongbang Bank, aiding in technology research and development [1] Group 2 - As of June 30, the green loan balance in Hubei reached 222.8 billion yuan, an increase of 38.9 billion yuan since the beginning of the year [2] - Wuhan Zhongbang Bank is enhancing its support for technology finance by developing specialized credit products for tech enterprises, focusing on intellectual property and core technology [2] - The Construction Bank's "Shan Ying Loan" product aims to assist small agricultural enterprises and individual businesses facing funding shortages in rural areas [2] Group 3 - The Agricultural Bank of China's Jingmen branch provided a 4 million yuan loan to Kang Le Nursing Home to support its expansion and meet the growing demand for elderly care services [3] - The focus on five key financial areas—technology finance, green finance, inclusive finance, elderly finance, and digital finance—is crucial for supporting high-quality economic development [3]

在湖北武汉驿路通科技股份有限公司的无尘车间，技术人员正对硅光芯片进行测试。这条去年8月投产 的硅光引擎生产线，可实现每月加工硅光引擎10万个以上。 光模块和硅光引擎是光通信的基石，支撑了数据中心到通信基站的各类高速网络建设。"随着人工智能 和算力的发展，我们的产能不断扩大，需要投入更多高精度设备。"公司总经理张祥波说，"这条生产线 的投产，得益于建行武汉光谷自贸区分行为我们提供的设备更新改造贷款，让公司能够加速推进生产线 智能化升级。" 走进武汉特种工业泵厂有限公司的厂房，智能化设备正在加工混流泵的外缘。"近年来，我们引入五轴 联动加工中心等高新设备，公司流动资金出现周转困难时，众邦银行为我们提供了2000万元的流动性资 金贷款，用于技术研发与改造。"公司总经理邓少林说，新研发的水力模型已应用在湖北省的大冶湖泵 站、新滩口泵站等项目上。 科技与金融双向奔赴形成合力，是湖北省做好金融"五篇大文章"的一个缩影。科技金融不仅有效缓解了 科技型企业融资难、融资贵的问题，也正成为推动经济高质量发展的强劲引擎。 建设银行湖北省分行集中资源做好绿色领域项目支持，截至今年6月底，绿色贷款余额2228亿元，较年 初增加389亿 ...

7月31日，国务院常务会议提出，实施个人消费贷款贴息政策与服务业经营主体贷款贴息政策。目前， 工行、农行、中行、建行、交行和邮储银陆续表态，将积极响应相关政策，助力消费升级与服务业焕 新。 国有大行第一时间响应。 工商银行发布公告称，将坚持市场化、法治化原则，优化办理流程、简化手续，推动政策尽快实施。 农业银行表示，将积极落实会议部署，按照有关部门要求，进一步简化申请流程，提升办理效率，加强 资金合规使用，确保贴息政策精准高效直达广大消费者和服务业经营主体，及时将政策精准传导至千企 万户。 建设银行表示，将按照上级单位有关要求，切实做好个人消费贷款和服务业经营主体贷款贴息政策的传 导落实，让消费市场参与方更加便捷地获得国家政策红利，激发消费潜力，提升市场活力，以高质量金 融服务助力扩大消费需求，提升消费能力，更好发挥消费在畅通国民经济循环、拉动经济增长中的积极 作用。 值得一提的是，虽然新政具体执行细则还未披露，但据公开信息显示，在此之前至少已经有三地实施了 消费贷贴息政策，贴息幅度多在1.5%左右。 中国银行则表示，将全力抓好贴息政策的组织实施，推动政策尽快落地，以高效、精准、优质的金融服 务，推动政策红利 ...

金融界8月5日消息，上证指数高开高走，中证沪港深互联互通周期指数 (沪港深通周期，H30547)报 2087.84点。 从中证沪港深互联互通周期指数持仓的市场板块来看，上海证券交易所占比44.04%、香港证券交易所 占比41.04%、深圳证券交易所占比14.92%。 从中证沪港深互联互通周期指数持仓样本的行业来看，金融占比58.03%、原材料占比19.29%、工业占 比10.27%、能源占比6.73%、房地产占比5.68%。 资料显示，该指数系列样本每半年调整一次，样本调整实施时间分别为每年6月和12月第二个星期五的 下一交易日。权重因子随样本定期调整而调整，调整时间与指数样本定期调整实施时间相同。在下一个 定期调整日前，权重因子一般固定不变。特殊情况下将对该指数系列样本进行临时调整。当样本退市 时，将其从指数样本中剔除。样本公司发生收购、合并、分拆等情形的处理，参照计算与维护细则处 理。当中证沪港深互联互通综合指数和中证沪港深500指数样本发生变动时，将进行相应调整。 数据统计显示，中证沪港深互联互通周期指数近一个月上涨2.36%，近三个月上涨12.58%，年至今上涨 12.44%。 据了解，"中证沪港深主 ...

Core Viewpoint - The company is actively enhancing financial support for consumer spending in Taizhou, aligning with national policies to stimulate domestic demand and consumption, thereby injecting strong momentum into local economic growth [1][4]. Group 1: Financial Performance - As of the end of June, the company's personal consumption loans increased by 219 million yuan since the beginning of the year, leading the market share among peers [1]. - In the automotive sector, the company facilitated 230 million yuan in car installment transactions in the first half of the year, becoming a key financial force driving local consumption growth [1]. Group 2: Consumer Activation Strategies - The company focuses on core consumer areas such as home appliances, automobiles, and home decoration, creating a "Bank + Scenario" ecosystem [2]. - An exclusive five-year interest-free installment plan for new energy vehicles was launched, significantly increasing the sales proportion of new energy vehicles to 43.6% [2]. - The company partnered with major retailers to offer a "0 down payment, 3 months interest-free" home appliance installment plan, combined with a 10% government subsidy, resulting in a 25% year-on-year increase in average transaction value [2]. - A one-stop "old-for-new" service was introduced, optimizing the entire process of old appliance valuation, installment payment, and subsidy redemption, serving over 1,300 customers [2]. Group 3: Digital Empowerment - The company leverages financial technology to bridge online and offline consumption barriers, enhancing service convenience and stimulating new consumer enthusiasm [3]. - Online, the company integrated an installment payment option with Alipay, allowing for "one-click installment" for Taobao shopping [3]. - Offline, the company innovatively operated its "CCB Life App," integrating local government consumption vouchers with installment functions, enabling seamless transactions for consumers [3]. - In the first half of the year, online installment transaction volume surged by 40% year-on-year, with digital services effectively penetrating high-frequency consumption scenarios such as dining and retail [3]. - A flexible consumer loan product was introduced, allowing for monthly interest payments and on-demand borrowing, with credit limits raised to 500,000 yuan for high-quality customers [3]. Group 4: Collaborative Efforts - The company actively integrates into local economic development, aligning with provincial and municipal "New Consumption" policies and deepening cooperation with government and enterprises [4]. - Joint promotional activities with the municipal commerce bureau and key merchants resulted in over 2.6 billion yuan in stimulated consumption transactions [4]. - The company launched special credit card offers for overseas consumption and exclusive discounts for movies, enhancing the quality of consumer experiences [4]. - Future plans include focusing on emerging consumption trends such as county-level consumption, the silver economy, and green consumption, while exploring innovative financial products tailored to local needs [4].