截至2025年6月末，港澳居民代理见证开户业务共开立个人银行账户47.2万户，交易金额超过400亿元。 "代理见证开户业务为港澳居民在内地求学、就业、生活提供了更加便捷的支付服务，促进了大湾区金 融互联互通。该业务被纳入粤港澳大湾区建设领导小组推出的'惠港16条'，以及中国人民银行等五部门 印发的'横琴金融30条'。"中国人民银行广东省分行相关负责人介绍道。 随着"北上"旅游、置业、养老的规模不断增长，港澳居民在大湾区内活动半径扩大至更多城市，对扩大 业务办理城市范围提出需求。为此，中国人民银行广东省分行组织8家参与银行拓展内地业务地区，覆 盖大湾区内地9市。同时，组织银行结合港澳网点分布和客户需求，增加港澳地区见证网点，进一步提 升触达度和开户便利性。 近年来，中国人民银行广东省分行紧紧围绕港澳居民在内地支付需求，持续打造粤港澳大湾区支付服 务"无障碍"生活圈，陆续推出本外币合一银行结算账户体系、港澳电子钱包跨境应用、港珠澳大桥ETC 无感通行缴费、港澳单牌车无感支付停车、横琴"澳门新街坊"双币种收单业务等一系列支付领域改革创 新，持续满足港澳居民对支付服务无缝衔接的需求，深度促进粤港澳民生融合。 2019 ...

智通财经APP获悉，瑞银发布研报称，自2020年以来，高股息收益率和基本面透明度的提升推动了内银 股的行情，该行认为现在的关键议题是股息的可持续性，这取决于内银的盈利前景和资金流动。该行结 合了五年预测、传统驱动因素和其独特的分析方法，重点分析两个"关键变量"：债券投资和信贷成本。 该行基本情景预测是，中资银行将能够保持稳定的利润增长，并从2026年起恢复收入增长，同时维持平 稳的拨备路径，并对中资银行股息的可持续性以及进一步上涨持较乐观态度。 该行认为，内银H股股息回报达5厘以上具吸引力，并全线上调目标价，并将交通银行(03328)的投资评 级由"中性"升至"买入"，目标价由5.95港元升至8.6港元，并重申对工商银行(01398)、建设银行 (00939)、中国银行(03988)和中信银行(00998)的"买入"评级，该行升工行目标价由5.98港元升至7.79港 元，升建行目标价由7.4港元升至10.2港元。该行下调招商银行(03968)H股评级由"买入"降至"中性"，基 于估值较高及股息回报低于同业，但仍将对其目标价由52港元升至56港元。 瑞银指，内银(截至今年7月28日，MSCI中国银行指数上涨79 ...

从中证沪港深500金融指数持仓的市场板块来看，香港证券交易所占比51.39%、上海证券交易所占比 42.37%、深圳证券交易所占比6.23%。 从中证沪港深500金融指数持仓样本的行业来看，银行占比60.34%、保险占比19.79%、资本市场占比 18.75%、其他金融占比1.12%。 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月的第二个星期五 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500指数、中证沪港深互联互通中小综合指数和中证沪港深互联互通综合指数样本发 生变动时，将进行相应调整。 金融界7月30日消息，A股三大指数收盘涨跌不一，中证沪港深500金融指数(沪港深500金融，H30464) 报2380.79点。 数据统计显示，中证沪港深500金融指数近一个月上涨2.83%，近三个月上涨15.09%，年至今上涨 17.89%。 ...

Core Viewpoint - UBS report indicates that since 2020, the rise in high dividend yields and improved transparency in fundamentals have driven the performance of Chinese bank stocks. The sustainability of dividends is now a key issue, dependent on the profit outlook and liquidity of these banks [1] Group 1: Profit Outlook and Dividend Sustainability - UBS's base case scenario predicts that Chinese banks will maintain stable profit growth and resume revenue growth starting in 2026, while keeping a steady provisioning path. The firm holds an optimistic view on the sustainability of dividends and potential further increases for Chinese banks [1] Group 2: Stock Ratings and Target Prices - UBS has raised target prices across the board for Chinese bank H-shares, finding dividend returns above 5% attractive. The investment rating for Bank of Communications has been upgraded from "Neutral" to "Buy," with the target price increased from HKD 5.95 to HKD 8.6 [1] - The firm reiterated "Buy" ratings for Industrial and Commercial Bank of China, China Construction Bank, Bank of China, and CITIC Bank, with target prices adjusted: ICBC from HKD 5.98 to HKD 7.79, CCB from HKD 7.4 to HKD 10.2 [1] - China Merchants Bank's rating has been downgraded from "Buy" to "Neutral" due to high valuation and lower dividend yield compared to peers, with the target price raised from HKD 52 to HKD 56 [1]

Group 1 - The meeting between Shudao Group and China Construction Bank took place in Chengdu on July 29, focusing on deepening cooperation between the bank and the enterprise [1] - The discussion aimed at exploring high-quality development opportunities [1]

Group 1 - The core point of the article highlights that China Construction Bank's Long Card Enjoy Credit Card has won the "Best Cashback Credit Card in China" award at the "2025 Annual China Awards" organized by The Asian Banker [1] - The Long Card Enjoy Credit Card, launched in 2022, features "every transaction cashback, real-time cashback," primarily targeting WeChat and Alipay channels for low-threshold cashback, catering to the daily small and frequent consumption needs of cardholders [1] - The card's innovative "real-time cashback" system allows cardholders to receive instant notifications of cashback amounts at the moment of qualifying transactions, effectively deducting the cashback from the transaction amount [1] Group 2 - In 2024, China Construction Bank plans to continue optimizing product benefits by introducing a UnionPay version of the Enjoy Card, expanding cashback scenarios from WeChat and Alipay to all consumption scenarios, enhancing the user experience [1] - The Enjoy Card has gained significant popularity, with over 2 million cards issued, and has introduced additional large transaction discount services, reinforcing its appeal in the market [2] - The bank's efforts reflect a broader strategy to promote inclusive, convenient, and intelligent financial services, aligning with national policies to stimulate domestic demand and consumption [2]

Core Viewpoint - The A-share market has seen a significant increase in equity financing in 2023, with a total of 172 companies raising 823.51 billion yuan, marking a year-on-year growth of 371.52% [1] Group 1: Equity Financing Overview - As of July 28, 2023, 172 companies completed equity financing, raising a total of 823.51 billion yuan, which is a 371.52% increase year-on-year [1] - Among these, 90 companies completed private placements, raising 722.30 billion yuan, up 543.73% year-on-year, while 25 companies issued convertible bonds, raising 40.56 billion yuan, a 53.53% increase [1] - The financial sector leads in private placement scale, with major state-owned banks like Bank of China, Postal Savings Bank, and others raising over 1 trillion yuan each for liquidity support [2][8] Group 2: Regulatory Support and Market Trends - The surge in private placements is supported by regulatory measures aimed at increasing long-term capital inflow into the market, including a joint implementation plan released by six departments in early 2025 [5] - The total amount raised through private placements in 2023 has already surpassed the total for the entire previous year [6] - The "merger and acquisition policies" have also contributed to a rise in financing for acquisitions, with 16 out of 90 private placements being used for asset acquisitions [7] Group 3: Industry Distribution and Company Actions - The manufacturing and high-tech industries are the main contributors to private placements, with significant participation from sectors like chemicals, hardware, machinery, and electrical equipment [7] - Several companies are actively planning private placements, with 352 companies updating their refinancing plans by July 28, 2023, a 162.69% increase from the previous year [12] - The Shenzhen Stock Exchange has introduced guidelines to enhance financing flexibility for companies classified as "light asset" and "high R&D input," allowing them to bypass certain restrictions [13][14] Group 4: Simplified Procedures and Case Studies - A growing number of small and medium-sized enterprises are utilizing simplified procedures for private placements, which allow for quicker approvals and less stringent requirements [8][9] - For instance, Platinum New Materials raised 300 million yuan through a simplified procedure, demonstrating the efficiency of this financing method [10]

Summary of Key Points Core Viewpoint - The report highlights the top short-selling stocks in the market, indicating significant short-selling activity and potential investor sentiment towards these companies. Group 1: Top Short-Selling Ratios - JD Health (86618) has the highest short-selling ratio at 100.00% [1][2] - Hang Seng Bank (80011) follows with a short-selling ratio of 88.44% [1][2] - SenseTime (80020) has a short-selling ratio of 76.25% [1][2] Group 2: Top Short-Selling Amounts - Xiaomi Group (01810) leads in short-selling amount with 2.209 billion [1][2] - Tencent Holdings (00700) has a short-selling amount of 0.955 billion [1][2] - WuXi AppTec (02359) reports a short-selling amount of 0.698 billion [1][2] Group 3: Top Short-Selling Deviations - Hang Seng Bank (80011) has the highest deviation value at 48.82% [1][2] - JD Health (86618) follows with a deviation value of 45.78% [1][2] - Uni-President China (00220) has a deviation value of 33.70% [1][2]

Wind数据显示，截至7月29日，南向资金今年以来累计净流入8420.02亿港元，创年度净流入金额历史新 高，为2024年同期的2倍多。其中，4月9日单日净流入355.86亿港元，创单日净流入纪录。在今年以来 南向资金交易的135个交易日中，出现净流入的交易日有114个，占比超八成。 今年以来，南向资金在港股交易占比持续提升。7月29日，南向资金成交额为1554.92亿港元，为当日港 股市场成交额的近六成。 从南向资金持仓情况来看，Wind数据显示，截至7月28日，南向资金持股数量达5256.06亿股，较2025年 初增加598.21亿股；持仓市值超过5.6万亿港元，较2025年初增加2.03万亿港元。根据今年以来截至7月 28日南向资金的净流入金额计算，今年以来南向资金浮盈达1.2万亿港元。 行业方面，南向资金对金融、信息技术、可选消费行业持仓市值居前，分别达14517.43亿港元、 11115.84亿港元、7175.67亿港元。此外，南向资金对医疗保健行业持仓市值超5300亿港元，对通讯服务 行业持仓市值超4900亿港元。 个股方面，南向资金持仓腾讯控股超过5400亿港元，持仓建设银行、中国移动、小米集团 ...

Group 1 - The A-share market has seen a significant increase in equity financing, with 172 companies raising a total of 823.51 billion yuan, a year-on-year increase of 371.52% [1] - Among these, 90 companies completed private placements, raising 722.30 billion yuan, up 543.73% year-on-year, while 25 companies issued convertible bonds, raising 40.56 billion yuan, a 53.53% increase [1] - Major state-owned banks, including Bank of China and Postal Savings Bank, have raised over 1 trillion yuan each for capital replenishment, with Bank of China leading at 165 billion yuan [1][4] Group 2 - The surge in private placements is supported by regulatory measures aimed at increasing long-term capital market participation, with policies introduced in 2025 to enhance financing capabilities [3][9] - The manufacturing and high-tech sectors are the primary drivers of private placements, with significant participation from industries such as chemicals, hardware, and machinery [3] - Financial institutions have raised a total of 520 billion yuan, bolstered by government support for capital replenishment [4] Group 3 - Securities firms have also engaged in private placements to strengthen capital, with firms like Tianfeng Securities raising 45.49 billion yuan [5] - A simplified procedure for small-scale private placements has gained popularity, allowing companies to raise funds more quickly and efficiently [6] - Recent announcements indicate a growing trend of companies disclosing plans for targeted stock issuances, with 352 companies updating refinancing plans, a 162.69% increase from last year [7] Group 4 - The Shenzhen Stock Exchange has introduced guidelines to enhance financing flexibility for companies with "light assets" and high R&D investments, allowing them to bypass certain restrictions [8] - Over 200 companies are expected to meet the new criteria, primarily in strategic emerging industries such as information technology and biomedicine [8] - The overall fundraising scale for private placements is projected to exceed 1 trillion yuan this year, driven by improved market conditions and corporate profitability [9]