在按揭贷款需求疲软、零售业务承压的背景下，众多银行将目光投向了拥有房产和营业执照的小微企业 主。在年末业绩冲刺期，记者调研发现，经营贷利率持续探底，多数银行可做到2.5%以下的利率，平 安银行、珠海华润银行等甚至达到2.3%左右的历史低位。 当记者以客户身份咨询经营贷时，有银行工作人员表示："公司流水达不到贷款要求也没问题，可以补 充个人流水，亲戚朋友间转转账就能达标。"不仅如此，一些不法中介以快速获贷为噱头，诱导消费者 违规办理经营贷并从中索取中介费。 ● 本报记者 张佳琳 经营贷利率持续探底 "为了激励大家，行里会定期评选贷款营销明星，奖金有数千元。即便如此，我们的年度目标还未完 成。接下来会全力去做，准备积极推广线上办贷。"山东地区某农商行工作人员小高说。 业内人士告诉记者，当前贷款市场竞争激烈，虽说贷款产品繁多，但基本业务模式大同小异。各家银行 都在考虑如何在本地市场中抢夺更多份额。于企业而言，最为关注的无疑是融资成本，因此银行打贷款 价格战是最容易见效的方法。 经营贷是指银行向个体工商户、小微企业主等发放的用于流动资金周转、购置或更新经营设备等合法生 产经营活动的贷款。记者调研发现，在年底业绩冲刺压 ...

Group 1: Bank Sector Performance - The bank sector is becoming a market focus, with A-share banks showing strong performance, particularly China Bank, which rose 4% to reach a historical high [1] - As of November 20, the total market capitalization of the four major banks in A-shares has exceeded 2 trillion yuan [1] - In the Hong Kong market, Minsheng Bank led gains with over 3% increase, while other banks also saw significant rises [1] Group 2: High Dividend Stocks - There are currently 124 companies in A-shares with a dividend yield exceeding 5%, with 7 companies yielding over 10% [2][3] - The top three companies with the highest dividend yields are Dongfang Yuhong (14.1%), Siwei Liekong (13.25%), and Guanghui Energy (12%) [3][4] - High dividend stocks are not limited to the banking sector but are also found in utilities, energy, and telecommunications, providing a buffer against market volatility [2][3] Group 3: Dividend Distribution Trends - As of November 20, 24 out of 42 A-share listed banks have announced mid-term dividends totaling approximately 263.8 billion yuan, marking an increase from the previous year [1] - Regulatory bodies are encouraging companies to enhance shareholder returns through measures like "cancellation-style buybacks" and multiple annual dividends [5] Group 4: Long-term Dividend Trends - For the 2024 reporting period, the companies with the highest projected dividend yields are Haoxiangni (16.91%), Meiyingsen (15.95%), and Jinshi Technology (14.97%) [6] - In 2023, the top dividend yielders included Libai Co. (15.34%), Rong'an Real Estate (13.06%), and Yutong Bus (11.32%) [7][8] Group 5: Characteristics of High Dividend Companies - High dividend companies are typically found in stable sectors like utilities, energy, telecommunications, and consumer staples, which are less affected by economic cycles [8] - These companies often have clear and stable dividend policies, viewing consistent dividends as a means to maintain credibility and attract long-term investors [8] Group 6: Risks Associated with High Dividend Strategies - High dividend strategies may carry risks, as some companies with high yields may face declining performance or debt issues [10][12] - The phenomenon of "high dividend traps" can occur when a company's stock price falls, artificially inflating the dividend yield without a corresponding increase in earnings [12]

Group 1 - The core viewpoint of the news highlights the strong performance of bank stocks amidst market fluctuations, with China Bank reaching a historical high, and other banks like Construction Bank and Postal Savings Bank also showing significant gains [1] - The China Securities Bank Index rose by 0.8%, while the Hong Kong Securities Index increased by 0.3%. In contrast, the non-bank financial index of the CSI 300 fell by 0.4%, and the CSI All Securities Company Index decreased by 0.5% [1] - According to CITIC Securities, financial statistics indicate active transfers of resident deposits and non-bank deposits, leading banks to focus more on liquidity management as the year-end approaches [1] Group 2 - The preliminary stabilization of bank interest margins in the third quarter has contributed to stable profit levels for banks [1] - The banking sector is perceived to have significant value space due to low valuations, which may attract long-term capital allocation as the year-end approaches, potentially enhancing the market performance of bank stocks [1]

时光荏苒，岁物丰成。从"十四五"开局之年的谋篇布局，到收官之年的硕果盈枝，中国邮政储蓄银行天 津分行（以下简称"邮储银行天津分行"）走过了一段极不平凡的五年。这五年，是外部环境风高浪急、 经济金融形势复杂深刻的五年，也是邮储银行天津分行直面挑战、勇毅前行，在高质量发展道路上实现 战略性转变、历史性跨越的五年。 战略升维：从"破冰启航"到"内涵深化" 五年来，在集团公司党组和总行党委的坚强领导下，在天津市委、市政府，金融监管部门的大力指导 下，邮储银行天津分行始终以"一张蓝图绘到底"的战略定力，成功穿越周期，实现了从"破局立 新"到"深化超越"的华丽蜕变，交出了一份成色足、亮点多、韧性强的时代答卷。 思想是行动的先导，战略是奋进的"蓝图"。回顾五年征程，邮储银行天津分行的战略演进清晰可见，每 一步都踏在了时代发展与自我革新的节拍上。 回顾"十四五"的开局之年，邮储银行天津分行面临的是前所未有的挑战：经济下行压力加大，抗击疫情 刻不容缓，行业竞争日趋激烈，传统发展模式难以为继。在这个关键时刻，邮储银行天津分行开启了一 场深刻的自我革命。 2023年，邮储银行天津分行新一届领导班子在深入调研和全面对标的基础上，创造 ...

Core Insights - The article highlights the proactive measures taken by Postal Savings Bank in the Daxing'anling region to support local agriculture, particularly in ensuring stable autumn grain production and enhancing food security [1][6]. Group 1: Financial Support for Agriculture - Postal Savings Bank has provided 406 million yuan in loans to local farmers this year, focusing on the unique agricultural challenges of the Daxing'anling region, such as short growing seasons and susceptibility to natural disasters [1]. - The bank has introduced specialized financial products to meet the funding needs of farmers during the autumn harvest, utilizing a "10-minute rapid approval" model that allows farmers to apply for loans via mobile banking without needing to visit bank branches [2][5]. Group 2: Support for Grain Purchase and Processing - The bank has launched "grain purchase loans" to assist local grain processing and storage enterprises in expanding their capacity and improving purchasing capabilities, particularly for soybean processing [3]. - By enhancing credit support for soybean deep processing enterprises, the bank aims to shift the local agricultural focus from raw grain sales to value-added processing, thereby increasing farmers' income through scale planting [3]. Group 3: Technological Innovations in Agricultural Financing - Postal Savings Bank is leveraging technology and big data to overcome traditional agricultural financing challenges, moving away from collateral-based lending to a credit-based model that incorporates various agricultural data [4]. - The bank has developed a three-dimensional credit model that evaluates farmers' creditworthiness based on land rights, planting scale, and agricultural insurance, allowing farmers to access loans up to 3 million yuan without traditional collateral [4]. Group 4: Collaborative Efforts for Financial Accessibility - The bank has established a collaborative mechanism with local government agencies to implement a "whole village credit" initiative, ensuring precise matching of farmers' needs with available credit [6]. - To enhance financial service accessibility, the bank has set up four "rural revitalization financial service stations" in key towns and villages, providing one-stop services for loan consultations, contract signing, and fund disbursement [6][7].

今日市场高开低走，海南、锂电概念、银行等板块涨幅居前。市场全天成交约1.7万亿，较上个交易日 略有缩量，两市超3800股下跌。 盘面上，银行板块延续强势，中国银行大涨4%续创历史新高，工商银行盘中新高，邮储银行、光大银 行、建设银行等涨幅靠前。针对股价异动，中国银行工作人员表示，公司基本面未发生重大变化，目前 正持续关注股价波动情况。此次股价上涨，一方面得益于银行板块整体上涨趋势的带动，并非我行个 例；另一方面，公司三季报披露的主要经营数据保持稳健，基本面支撑下股价得到合理反映。 此外，海南板块再度活跃，海南海药5天3板；锂矿概念持续走强，盐湖提锂、能源金属等方向冲高，倍 杰特20CM涨停，盛新锂能、富临精工、赣锋锂业跟涨；房地产板块午后涨幅扩大，我爱我家直线涨 停，特发服务、深深房A、万科A等纷纷冲高；算力硬件股午后活跃，中富电路20cm涨停，腾景科技涨 超8%，续创历史新高。 跌幅方面，旅游酒店、预制菜、乳业等大消费概念持续走弱；AI电商、影视传媒、教育等AI应用概念 再度下挫；军工股多数飘绿，医药股走势不振，煤炭、油服、电网设备等方向较为弱势。 焦点个股方面，合富中国今日复牌后再度涨停，录得15天13板 ...

高股息风格个股今日（11月20日）强势崛起。聚焦"高股息+低估值"大盘蓝筹股的价值ETF（510030） 开盘后单边上行，截至发稿，场内价格涨1.18%。 价值投资，选择"价值"！价值ETF（510030）紧密跟踪上证180价值指数，该指数以上证180指数为样本 空间，从中选取价值因子评分最高的60只股票作为样本股，覆盖20只银行股！上证180价值指数成份股 均为"低估值+高股息"大盘蓝筹股，包括中国平安、招商银行、工商银行等金融板块龙头股，以及基 建、资源等板块龙头股，成份股股息率高，在波动行情中具有较好的防御属性。 数据来源于沪深交易所、公开资料等，截至 2025.11.20 。 风险提示：价值 ETF 被动跟踪上证 180 价值指数，该指数基日为 2002.6.28 ，发布于 2009.1.9 ，指数成份股 构成根据该指数编制规则适时调整，指数回测历史业绩不预示指数未来表现。文中提及个股仅为指数成 份股客观展示列举，不作为任何个股推荐，不代表基金管理人和基金投资方向。任何在本文出现的信息 （包括但不限于个股、评论、预测、图表、指标、理论、任何形式的表述等）均只作为参考，投资人须 对任何自主决定的投资行为 ...

Group 1 - The Hang Seng Index rose by 0.14%, gaining 36 points to close at 25,867 points, while the Hang Seng Tech Index fell by 1.01% with a trading volume of HKD 143.6 billion in the morning session [1] - Real estate stocks surged amid market expectations for new supportive policies, with Sunac China rising over 10%, Country Garden up over 5%, and Vanke Enterprises increasing by 5.67% [2] - Beike-W saw a rise of 5.15%, driven by substantial profits from its home decoration rental business, with the buyback amount reaching a near two-year high in a single quarter [3] Group 2 - China’s banking sector showed signs of recovery in the morning, with major banks advancing in their mid-term dividend distributions, including Minsheng Bank up by 3.56%, Postal Savings Bank up by 2.7%, and Bank of China up by 1.93% [3] - Kingsoft Cloud rose over 4% post-earnings, with Q3 industry cloud revenue showing both year-on-year and quarter-on-quarter growth, and a solid foundation in government cloud services [4] - Maoyan Entertainment fell over 2% due to reports of a significant increase in the ticket refund rate for the movie "Demon Slayer" [5] Group 3 - Trip.com Group fell over 3% despite exceeding expectations in its Q3 financial report, with institutions predicting resilience in domestic business revenue for Q4 [6] - XPeng Motors declined over 4%, denying rumors regarding the production of thousands of autonomous driving taxis [7] - Contemporary Amperex Technology Co., Ltd. (CATL) dropped over 8% as cornerstone investors' lock-up period expired today [8]

银行板块20日盘中再度走强，截至发稿，中国银行涨近5%，续创历史新高；建设银行、邮储银行涨近 4%，光大银行、民生银行、南京银行等涨逾2%。 国信证券认为，春季躁动主线明朗之前，银行板块大概率都有不错的投资机会，建议投资者忽略短期波 动。第一，资金层面和风格层面上，保险开门红资金配置需求大，非标等存量资产大量到期加剧资产 荒，低利率环境下稳健的银行股对保险资金仍有很强的吸引力；同时，今年成长风格演绎较为极致，年 底风格大概率更趋于均衡，三季度公募主动资金清仓式减持银行板块，基本面底部预期已经明确的银行 板块也将是重要的配置方向，可降低资产收益率波动。第二，即使没有强政策刺激，当前上市银行基本 面底部预期已经明确，这是支撑银行板块行情延续的基础。 该机构建议短期重视高股息基本面稳健个股配置机会，同时向优质个股博弈弹性。考虑到保险资金或仍 是年底至明年初银行板块重要的增量资金，因此建议关注以工商银行、招商银行为代表的稳健个股。 机构表示，近期银行板块上涨行情核心是市场投资风格变化驱动的，中期分红只是催化因素之一，并且 参考去年抢筹行情一直持续到12月底，中期分红抢筹行情仍未结束。 ...

兴业证券指出，上市银行中期分红方案陆续落地。从分红节奏来看，今年中期分红时点整体提前。四大 行公告中期分红时点，其中A股派息时间均提前到2025年12月中旬，H股派息时间在2026年1月下旬。伴 随着上市银行中期分红工作的逐步展开，持等对股息较为重视的资金或加大对银行股的财置投资力度， 推动板块估值的修复。 内银股早盘回暖，截至发稿，民生银行（600016）(01988)涨3.56%，报4.36港元；邮储银行（601658） (01658)涨2.88%，报5.71港元；中国银行（601988）(03988)涨2.36%，报4.77港元；建设银行（601939） (00939)涨1.85%，报8.28港元。 消息面上，据数据统计，截至11月19日，42家上市银行中已有13家完成中期分红实施或进入实施阶段， 另有13家银行公布了分红方案，合计分红金额达到2637.90亿元。与此同时，还有6家上市银行的中期分 红事项已通过年度股东大会审议，等待董事会公布具体方案。 ...