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 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].

活动期间， 小微企业及个体工商户参与 贷款签约和支用、 开立对公账户、签约代发工资等， 即有机会领取 66-618元立减金 ， 奖励可 叠加 领取。 活动时间:2025年7月7日-9月30日 签 约 支 用 礼 新 客 签 约 礼 *活动期间每月权益数量有限 领完即止* 小微企业及个体工商户 在活动期间，通过"建行惠懂你"App 历史首次签约贷 款 （抵押类贷款签约不限渠道）， 即有机会领取 88元立减金 贷 款 支 用 礼 新签约贷款客户 在活动期间，通过"建行惠懂你"App 历史首次支 用 贷款， 即有机会领取 100元立减金 老客户 在活动 期间， 通过"建行惠懂你"App 首次 签约 并支用贷款 建行私行客户名下 小微企业及个体工商户 在活动期间，通过"建行惠懂你"App 首次支用贷款， 即有机会领取 100元立减金 科 创 企 业 礼 科创 小微企业及个体工商户 在活动期间，通过"建行惠懂你"App 首次支用贷款， 即有机会领取 100元立减金 （抵押类贷款签约不限渠道）， 支用金额1万元（含）以上， 即有机会领取 100元立减金 重 点 客 群 礼 私 行 客 户 礼 建 行 商 户 礼 建行收单 ...

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 : ...

尊敬的中国建设银行客户： 感谢您长期以来给予我行的大力支持！ 中国建设银行股份有限公司 2025年8月13日 为深入贯彻党中央、国务院关于大力提振消费、全方位扩大国内需求的决策部署，推动降 低服务业经营主体融资成本，我行积极响应并严格执行《关于印发<服务业经营主体贷款贴息 政策实施方案>的通知》（财金〔2025〕81号），有序开展服务业经营主体贷款贴息相关工 作，对符合上述通知要求的餐饮住宿、健康、养老、托育、家政、文化娱乐、旅游、体育等8类 消费领域的服务业经营主体，于2025年3月16日至2025年12月31日期间与我行签订贷款合同，并 获取的合规用于改善消费基础设施、提升服务供给能力的贷款，进行贴息支持。我行将优化办 理流程，简化办理手续，推动政策尽快实施。 我行办理服务业经营主体贷款贴息不收取任何服务费用，没有委托官方渠道以外的任何机 构、人员代为办理，请广大客户谨防各种形式的诈骗，保障财产和信息安全。 特此公告。 ...

大堂经理见状，立刻上前轻声安抚老人的情绪，随后将他引导至智慧柜员机前进行查询。经过仔细核 实，系统中确实清晰地显示存在该笔存款记录。经理一边拍着老人的肩膀安慰道："您别着急，这个问 题我们能解决"，一边耐心地向老人讲解后续办理流程，并将其引导至柜台办理相关手续。 近日，一位神色焦急的老大爷匆匆走进建行济宁未来新城支行网点。他快步来到工作人员面前，语气急 促地说，自己在手机银行上意外发现了一张十多年前的存单记录，可实物存单早已遗失，如今不知该如 何取出这笔存款。 在柜台前，柜员以专业、高效的服务协助老大爷办理业务。从信息核对到填写表格，每一个环节都细致 周到，全程给予老人清晰的指引。很快，老大爷顺利完成了存单挂失及补发手续。当拿到补发的存单 时，老人脸上的焦虑一扫而空，露出了欣慰的笑容，他紧紧握着工作人员的手，连连道谢："真是太感 谢你们了！没想到这么多年过去，这笔钱还能找回来。" 这看似平常的一次业务办理，却切实解决了客户的急难愁盼。建行济宁未来新城支行始终将客户需求放 在首位，用专业的业务能力和暖心的服务态度为客户排忧解难。未来，该行将继续秉持初心，不断提升 服务质量，用更加优质的服务彰显金融机构的责任与担 ...

这样的场景在该行并非个例。该行深知，金融服务的温度往往体现在 "非工作时间" 的应急处理中，体 现在对特殊群体的耐心守候中。无论是 ATM 吞卡、老人忘记密码，还是商户急需零钱兑换，该行始终 坚持 "问题不隔夜、服务不设限"：建立弹性响应机制，即使下班后遇紧急需求，工作人员也会主动提 供应急指引；实行全程跟踪服务，对无法当场解决的问题，登记台账并安排专人回访；推出适老化关 怀，针对老年客户多用方言沟通、简化流程，还配备老花镜等便民设施。 为将 "客户至上" 理念转化为实际行动，该行通过定期开展业务场景演练强化工作人员应急处理能力； 优化服务流程，特别开设银发通道和错峰服务，有效缩短客户等待时间；在网点精心打造 "暖心服务 站"，配备雨具、充电设备等便民设施，让金融服务延伸出更多人文关怀。 一次延迟地下班，一句 "您别着急" 的承诺，承载的是建设银行对客户不变的守护。建行济南名士豪庭 支行将始终坚守 "金融为民" 初心，让高效与温情同在，让专业与善意同行，努力成为社区居民最信赖 的金融港湾，不负每一份信任。 "网点服务，提能创优" 不是一句空洞的口号，而是建行济南名士豪庭支行每一位工作人员践行的服务 准则。在这 ...

Core Viewpoint - The company emphasizes a customer-centric approach by providing door-to-door financial services, particularly for vulnerable groups such as the elderly and disabled, enhancing accessibility and convenience in financial transactions [1][2]. Group 1: Service Initiatives - The bank's staff proactively reach out to elderly customers, offering to assist with social security card applications at their homes, demonstrating a commitment to personalized service [1]. - The bank has implemented a "green channel" and home service initiatives to address the challenges faced by special groups in accessing financial services [1]. Group 2: Customer Experience - Customers express appreciation for the convenience of home services, highlighting the positive impact on their experience and the emotional connection fostered by the bank's efforts [1]. - The bank's actions reflect a broader commitment to extending quality financial services beyond traditional branch locations, ensuring that assistance reaches those in need [2]. Group 3: Future Commitment - The bank plans to continue its mission of providing thoughtful services, aiming to reach more customers and enhance their experience with accessible financial care [2].

Core Points - The article highlights the exemplary customer service provided by the CCB Zibo Nanjing Road branch, showcasing their commitment to a customer-centric approach [1][2] - The branch's staff demonstrated quick decision-making and empathy by offering home service to an elderly customer in need, reflecting the bank's dedication to addressing special customer needs [1][2] Group 1 - The elderly customer faced difficulties due to his spouse's accident and the loss of a bank card, prompting immediate assistance from the bank staff [1] - The bank's staff took the initiative to visit the customer's home to facilitate the card replacement process, ensuring a smooth and efficient service [1] - The customer's gratitude and relief highlighted the positive impact of the bank's attentive service, reinforcing the importance of personalized customer care [1] Group 2 - The actions of the CCB Zibo Nanjing Road branch exemplify the bank's service philosophy of being "customer-centric," emphasizing the importance of understanding and responding to customer needs [2] - The bank aims to continue providing thoughtful and comprehensive services to alleviate customer concerns, demonstrating a commitment to maintaining high service standards [2]

整个过程中，工作人员始终保持耐心与专业，用清晰的表述解答客户的疑问，让语言沟通的障碍降至最 低。最终，在确保业务合规的前提下，高效完成了这笔境外个人购汇及取现汇业务。 近日，建行菏泽单县支行迎来一位特殊的客户 —— 来自突尼斯的外籍人士。这位客户不久后将调至迪 拜工作，急需办理境外个人购汇并取现汇业务。 了解客户需求后，柜面人员第一时间告知其办理境外个人购汇所需的材料：外国护照、银行卡、收入证 明、劳务合同、交易明细、完税证明及交易场景说明等。考虑到客户对业务流程可能不熟悉，且涉及跨 国工作调动的紧急情况，工作人员主动与客户所在公司取得联系，详细说明所需资料的具体要求，协助 其尽快准备齐全。 待所有资料审核通过后，该行迅速启动协同服务机制。低柜柜员负责核对客户身份信息、确认购汇用途 的合规性，高柜柜员则专注于系统操作、汇率查询及资金划转等环节，两人密切配合、无缝衔接，以最 快速度推进业务办理。 拿到相关凭证时，这位突尼斯客户竖起了大拇指，用不太流利的中文连连道谢："非常感谢你们，不仅 帮我理清了需要的材料，还办得这么快，让我能安心准备去迪拜的工作，太专业了！" 建行菏泽单县支行负责人表示，此次为外籍客户办理业 ...