Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Dongguan Branch is actively promoting financial services tailored to the local context, focusing on five key initiatives to enhance financial support for the city's technological innovation and advanced manufacturing sectors [2][9]. Group 1: Financial Support for Technology Enterprises - ICBC Dongguan Branch has established a manufacturing center and a specialized technology branch to address financing challenges faced by local tech enterprises, employing professionals with engineering backgrounds to provide comprehensive "financing + intelligence" services [3]. - In the first half of the year, the bank issued over 20 billion yuan in loans to technology enterprises, with a total loan balance exceeding 47 billion yuan, and loans to specialized and innovative enterprises exceeding 5 billion yuan, all showing an increase of over 10% since the beginning of the year [3]. Group 2: Inclusive Finance for Small and Micro Enterprises - The bank has implemented a dual-driven model combining on-site visits by account managers and big data analytics to accurately assess the financing needs of small and micro enterprises [4]. - As of mid-year, the bank's inclusive loan balance exceeded 64 billion yuan, serving 28,000 small and micro clients, and has provided over 2 billion yuan in no-repayment loans to manufacturing clients [5]. Group 3: Green Finance Initiatives - ICBC Dongguan Branch is actively involved in establishing financial standards for the green transformation of the manufacturing sector, contributing to the development of a quantifiable low-carbon transition assessment system [6]. - In the first half of the year, the bank issued over 30 billion yuan in green loans, which accounted for more than half of the total corporate loan issuance, covering key areas such as wastewater treatment and photovoltaic power generation [6]. Group 4: Pension Finance Services - The bank is building a comprehensive pension finance ecosystem to address the challenges of an aging population, offering a wide range of products and services, including dedicated savings accounts and pension funds [7]. - The bank has provided convenient one-stop account opening services and has reached over 30,000 elderly individuals through community financial education activities this year [7]. Group 5: Digital Finance Transformation - Digital transformation is a core driver of high-quality development for ICBC Dongguan Branch, achieving a significant reduction in housing loan approval times from an average of three days to 30 minutes through direct integration with the local housing fund system [8]. - The bank has developed various digital platforms and tools, enhancing operational efficiency and customer service, including a real-time monitoring platform for educational funding and an API service for 318 partner units [8].

针对科创企业"轻资产、高成长、强研发"的特点，工行深圳市分行持续推动普惠金融产品创新，打造了 包括"园区e贷"、"兴科贷"等在内的特色信贷产品体系。作为园区贷首批试点银行，工行深圳市分行依 托园区合作与数据赋能，为科创企业提供便捷高效的融资支持。 国家级专精特新"小巨人"企业某科技股份有限公司是"园区e贷"的受益者之一。这家成立于2016年的实 时数据基础设施及分析供应商，拥有36项发明专利和227项软件著作权，最新一轮投后估值约62亿元， 正在向港交所申报上市。由于刚签下大金额订单且研发投入较大，企业面临短期资金压力。工行深圳市 分行依托"园区e贷"产品，仅用三个工作日就完成1000万元流动资金贷款的审批与发放，高效化解企业 资金瓶颈，赢得了企业的高度认可。 此外，工行深圳市分行还推出"兴科贷"等产品，精准匹配科技型企业研发投入大、资金需求急的特点。 某信息有限公司的成长轨迹是工行"陪伴式服务"的典范。该软件外包企业于2022年初获得工行500万元 信用贷款，有效支持了其技术团队扩建和业务扩张，同年即成功获评国家高新技术企业。随着企业营收 从2021年的5.08亿元持续增长至目前的9.05亿元，工行深圳市分 ...

| 序号 | 名称 | 港股代码 | 最新价 | 涨跌额 | 涨跌幅 | ADRIETS | ADR换算价(HKD) | 较 较港股升跌 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 1 | 腾讯控股 | O 00700 | 660.000 | +16.000 | 2.48% | TCEHY | 661.446 | +1.446 | | 2 | 阿里巴巴-W | 09988 | 173.400 | +6.900 | 4.14% | BABA | 175.032 | +1.632 | | 3 | 汇丰控股 | 00005 | 108.800 | +2.100 | 1.97% | HSBC | 109.701 | +0.901 | | 4 | 建设银行 | 00939 | 7.480 | +0.100 | 1.36% | CICHY | 7.464 | -0.016 | | 5 | 小米集团-W | 01810 | 53.550 | -1.100 | -2.01% | XIACY | 53.738 | +0.188 | | 6 | 友邦保险 ...

] 一、破冰之举:微笑服务开启行业文明新篇 上世纪90年代的中国,正处在计划经济向社会主义市场经济转型加速深化的关键期。"门难进、脸难看、 事难办"是当时很多窗口单位的写照,老百姓对银行的敬畏远多于信任。 1994年的一天,一位家住西郊的老大爷拿着一张残破的两角钱走了好几家银行都遭到了冷落和拒绝,最后, 老大爷拖着疲惫的身子,抱着再试试的想法来到工商银行大观园储蓄所,该所副主任热情地接待了老大爷, 用二张崭新的一角钱,兑换了老大爷手中的残破币,老大爷非常高兴,连声说:"工行的服务就是好,有钱我就 存在大观园!"第二天,老大爷专程拿来1万元钱办理了5年期定期存款业务。从此,老大爷成为工商银行的 忠诚客户。这个带有传奇色彩的"换两毛存一万"的故事在业内外传为佳话,像一粒投入湖面的石子,悄然 掀起了一场金融业的服务革命。 大观园储蓄所随即在全国金融业率先推行"微笑服务"和"优质文明用语"规范,要求柜员接待客户时必须 起身微笑,使用"您好""请稍等""请问还有什么可以帮您"等礼貌用语；设立"委屈奖",鼓励员工耐心化解 客户不满；建立"首问负责制",确保客户问题有人管、有人办。这些现在看来习以为常的做法,在当时却 需要 ...

国庆、中秋"双节"临近，为响应扩内需、促消费政策，各家商业银行纷纷打出"权益优惠+低息信贷"组 合拳：一方面密集升级信用卡场景化权益；另一方面聚焦"贴息补贴"举措，叠加政策贴息，部分消费贷 产品年化利率（单利）低至2%，助力"双节"消费市场升温。 加大消费贷贴息力度 在低息信贷方面，"双节"期间银行个人消费贷利率迎来"大促"。自9月1日个人消费贷款贴息政策全面落 地以来，消费贷市场热度持续攀升，多家银行加大贴息力度，推动利率进一步下探——当前部分银行消 费贷最低利率已降至3%，叠加政策贴息后，实际利率进入2%至3%区间，显著降低居民消费融资成本。 具体来看，建设银行四川省分行于9月25日通过官方微信公众号推出"国庆中秋畅快购，消费贷款享贴 息"活动，按年化1个百分点给予贴息，累计贴息上限3000元，贴息后年化利率（单利）低至2%；工商 银行安徽分行推出"双节"消费贴息活动，累计贴息上限同为3000元（单笔5万元以下贴息上限1000 元），核心产品"融e借"年化利率3%起，期限最长7年，支持全程线上"一键即贷、实时到账"。 苏商银行特约研究员薛洪言对《证券日报》记者表示，与往年相比，今年银行对消费的支持力度呈 ...

As hundreds of TD Securities managing directors gathered at the Encore hotel overlooking Boston Harbor in June, there was a celebratory atmosphere in the air. Less publicly, there was grousing as well. The buoyant mood at the multiday meeting was partly because Toronto-Dominion Bank’s takeover of New York investment bank Cowen Inc. — completed in 2023 — had cleared its last legal hurdle just months earlier, allowing the firms’ traders to finally work together in person. The event also marked the first ti ...

Core Points - The Hang Seng Index rose by 494.68 points, an increase of 1.89%, closing at 26,622.88 points [1] - The total turnover for the day on the main board was 309.096 billion HKD [1] - The Hang Seng China Enterprises Index increased by 151.02 points, closing at 9,454.12 points, a rise of 1.62% [1] - The Hang Seng Tech Index gained 129.14 points, closing at 6,324.25 points, reflecting a growth of 2.08% [1] Blue Chip Stocks - Tencent Holdings rose by 2.48%, closing at 660 HKD [1] - Hong Kong Exchanges and Clearing increased by 2.79%, closing at 442.2 HKD [1] - China Mobile decreased by 0.12%, closing at 84.9 HKD [1] - HSBC Holdings rose by 1.97%, closing at 108.8 HKD [1] Local Hong Kong Stocks - Cheung Kong Holdings increased by 3.58%, closing at 37.58 HKD [1] - Sun Hung Kai Properties rose by 1.69%, closing at 93.15 HKD [1] - Henderson Land Development increased by 2.06%, closing at 27.7 HKD [1] Chinese Financial Stocks - Bank of China rose by 0.71%, closing at 4.23 HKD [1] - China Construction Bank increased by 1.36%, closing at 7.48 HKD [1] - Industrial and Commercial Bank of China rose by 0.53%, closing at 5.73 HKD [1] - Ping An Insurance increased by 2.1%, closing at 53.5 HKD [1] - China Life Insurance rose by 4.61%, closing at 22.22 HKD [1] Oil and Petrochemical Stocks - China Petroleum & Chemical Corporation rose by 0.74%, closing at 4.1 HKD [1] - China National Petroleum Corporation increased by 2.39%, closing at 7.28 HKD [1] - CNOOC Limited rose by 0.84%, closing at 19.28 HKD [1]

基于付老板良好的信用记录和稳定的经营基础，工商银行泰安分行精准推荐了"线上普惠贷"系列产品。 该产品依托数字化风控模型，具有审批快、利率优、放款迅速、随借随还等特点，真正实现"数据多跑 路、客户少跑腿"。 2025年9月，秋意渐浓，齐鲁大地的田野间一派繁忙景象。在泰安市岱岳区，种植大户付老板正忙着为 即将到来的粮食收购季做准备。作为当地为数不多的粮食种植专业大户，他从事粮食种植与购销已有十 余年，凭借丰富的种植经验和科学管理，在周边享有良好口碑。然而，随着新一批粮食收购任务临近， 资金周转问题一度让他犯了难。 "粮食收购季节性强，必须提前备足资金，否则很容易错失优质粮源。"付老板坦言，尽管自己经营稳 定、信誉良好，但传统融资方式流程长、手续多，难以满足快速放款和灵活用款的需求。 就在他一筹莫展之际，山东农担公司泰安管理中心工作人员主动对接，在了解其资金需求后，第一时间 联系工商银行泰安分行客户经理，迅速组成联合服务小组，上门开展实地调查。工作人员深入田间地 头，详细了解付老板的种植规模、收成情况、销售渠道及融资诉求，现场评估其经营状况与发展潜力。 从申请到审批，再到资金到账，整个流程仅用数个工作日，40万元贷 ...

Group 1: Financial Support and Agricultural Development - The Industrial and Commercial Bank of China (ICBC) has provided over 20 million yuan in inclusive loans over three years, transforming saline-alkali land in Kashgar into productive rice fields [1] - ICBC Xinjiang Branch has launched a "Huangqi Crop Loan" specifically for traditional Chinese medicine cultivation, facilitating a 100,000 yuan loan for a farmer in Yili within one day [4] - The bank has introduced an online cotton financing service, providing over 3.5 billion yuan in loans to cotton farmers, significantly improving the efficiency of financial services [5] Group 2: Renewable Energy and Infrastructure Projects - ICBC Xinjiang Branch has successfully funded a 1 billion yuan project loan for a green hydrogen demonstration project, breaking traditional collateral models [2] - The bank has facilitated nearly 25 billion USD in cross-border settlements and foreign exchange transactions during the 14th Five-Year Plan period, supporting the development of Xinjiang as a key logistics hub [3] Group 3: Social Welfare and Community Services - ICBC Xinjiang Branch has issued 3.4 million social security cards, enhancing accessibility to social services across the region [6] - The bank has established 106 rural inclusive financial service points, improving financial service availability in remote areas [6] Group 4: Support for Small and Micro Enterprises - The bank has increased its inclusive loan balance by 5.6 times since the beginning of the 14th Five-Year Plan, significantly boosting support for small and micro enterprises [7] - ICBC Xinjiang Branch has developed over 30 regional financing solutions tailored for small businesses, enhancing their growth potential [7]

编者按：当前银行理财货架产品琳琅满目，诸如"增强""稳健""均衡"等名称相近、特征模糊的产品层出不穷，投资者应如何甄别 与选择？为降低投资者的选择成本，南财理财通课题组从代销机构角度入手，每周聚焦各渠道当周在售的理财产品，搜罗其中 业绩表现优异者，并发布代销产品业绩榜单。 该榜单的筛选主要依据两大标准：一是产品类型，前期重点关注纯固收、"固收+"和混合类这三类主力产品；二是业绩稳定性， 要求产品成立至少满3个月，以保证有足够的业绩积累。理财产品样本选取人民币公募理财产品。 | 1 | 中国银行 | 汇和多策略十八个 | 汇华理财 | 18月 | 6.29% | 12.2 | 5.68% | | --- | --- | --- | --- | --- | --- | --- | --- | | | | 月時有 | | | | 0% | | | 2 | 中国银行 | 聚富1年接有期国收 增益 | 中银理财 | રૂરિટ 天 | | 7.02% 7.71% 5.14% | | | 3 | 中国银行 | 稳富固收增强双债 | 中银理财 | 180 | 5.64% | 7.67% | | | | | 策略180天持有 ...