Group 1 - The article highlights the issue of fraudulent online training institutions that lure consumers with false promises of government scholarships and guaranteed certification [3][7] - A case study is presented where a consumer, Ms. Zhao, was misled into signing a contract for a high-interest online loan, believing it was for legitimate training services [3][7] - The article emphasizes the challenges consumers face in seeking redress after being defrauded, often due to the fraudulent institutions disappearing, leading to significant financial burdens and potential legal disputes [7] Group 2 - Consumers are advised to be vigilant against exaggerated claims and unrealistic promises in advertisements, and to resist pressure tactics when making decisions [9] - It is recommended that consumers verify the credentials of institutions or platforms before engaging, prioritizing those with legitimate qualifications and good reputations [9] - The importance of thoroughly reviewing contract terms before signing is stressed, particularly to avoid being misled by enticing offers or hidden risks [9]

Core Viewpoint - The recent extraordinary general meeting of China Merchants SINO Life Insurance Co., Ltd. resulted in the unanimous approval of Ms. Wang Ying as the new chairperson, succeeding Mr. Wang Xiaoqing [1] Group 1: Company Leadership Changes - Ms. Wang Ying has been appointed to replace Mr. Wang Xiaoqing as the chairperson of China Merchants SINO Life Insurance [1] - The decision was made during the extraordinary general meeting held on August 28, 2025, with 100% voting rights represented by the shareholders [1] Group 2: Company Background and Financial Performance - China Merchants SINO Life Insurance was established on August 4, 2003, with a registered capital of 2.8 billion yuan, focusing on life, health, and accident insurance [3] - The company is jointly owned by China Merchants Bank Co., Ltd. and Cigna Health Insurance Company, each holding 50% [3] - As of June 30, 2025, the total assets of China Merchants SINO Life Insurance amounted to 236.689 billion yuan, with net assets of 17.075 billion yuan [3] - The company reported a net profit of 308 million yuan for the first half of 2025, reflecting a 30.51% increase compared to 236 million yuan in the same period last year [3]

Core Viewpoint - The recent announcement of the appointment of Wang Ying as the new chairman of China Merchants Life Insurance Co., Ltd. (招商信诺) marks a significant leadership change, following the resignation of Wang Xiaoqing, who held the position since September 2021. This transition is expected to influence the company's strategic direction and operational performance moving forward [2][4]. Group 1: Leadership Transition - Wang Ying has been appointed to replace Wang Xiaoqing as the chairman of 招商信诺, pending regulatory approval from the National Financial Regulatory Administration [2]. - Wang Xiaoqing has transitioned to a new role at 招商金控 and has resigned from multiple positions, including that of vice president at 招商银行 [2][4]. - Wang Ying is currently the only female vice president at 招商银行 and has extensive experience within the bank, having served in various leadership roles for 28 years [4]. Group 2: Company Performance - 招商信诺 reported total assets exceeding 234.8 billion yuan as of mid-2025, categorizing it as a medium-sized insurance company [4]. - The insurance business revenue for 招商信诺 showed a growth trend from 2022 to 2024, with figures of 26.52 billion yuan, 34.65 billion yuan, and 41.48 billion yuan, reflecting year-on-year growth rates of 21.7%, 31.2%, and 19.9% respectively [4]. - Despite a decline in insurance business revenue in the first half of 2025, with a 15% drop in Q1 and a 3.87% decrease overall, the net profit for the same period increased by 32.41% to 286 million yuan [5][6]. Group 3: Strategic Focus - Wang Ying aims to address the challenges faced by 招商信诺 and return the company to a growth trajectory by enhancing wealth management capabilities and focusing on insurance products that meet customer needs [7]. - The company plans to accelerate the transformation towards protection-oriented insurance, emphasizing risk coverage in areas such as health, accidents, education, retirement, and inheritance [7]. - Wang Ying has expressed a commitment to maintaining strategic consistency and operational clarity, encouraging stakeholders to focus on the company's foundational stability and risk management [8].

南方财经记者程浩 东莞报道 招行东莞分行一方面切实优化网点服务流程，以客户视角全流程梳理开户流程，组织各网点设置境外来 华客户服务专窗，配备英语水平优秀的专员，实现外语无障碍沟通，打造优质的客户服务流程，打造沟 顺畅、高效的服务体验。另一方面，招行东莞分行加大网点硬件铺设及氛围宣传，辖内各网点均设置个 人本外币兑换标识、ATM设备外卡标识，通过多维度宣传，为境外来华人士提供外币兑换和现金服务 便利。招行东莞分行还通过"外语晨会"、情景演练等多种培训方式，不断提升员工服务水平，致力于打 造国际化、专业化的服务团队。 今年以来，招商银行全面升级柜面服务体系，推出"极致服务"行动方案。招商银行东莞分行（下简 称"招行东莞分行"）以网点为阵地，深化服务全流程，致力于为客户提供更优质、更贴心的金融服务。 未来，招行东莞分行将结合"极致服务"的品牌内涵，持续深化支付服务场景建设，着力完善多层次、多 元化的支付服务体系，让金融服务更有温度、更有深度，为莞邑百姓带来更多温暖与便利。 在人口老龄化加速的背景下，招行东莞分行将老年客户服务作为工作重点，全面梳理老年人金融业务办 理的实际需求，推出极致服务之老年客群通用服务标准，全 ...

证券之星消息，9月18日股份制银行板块较上一交易日下跌1.85%，招商银行领跌。当日上证指数报收于3831.66，下跌1.15%。深证成指报收于 13075.66，下跌1.06%。股份制银行板块个股涨跌见下表： | 代码 | 名称 | 主力净流入(元) | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入(元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601998 中信银行 | | -1961.87万 | -4.37% | -3772.97万 | -8.41% | 5734.84万 | 12.78% | | 601916 浙商银行 | | -4244.96万 | -7.84% | -1362.44万 | -2.51% | 5607.40万 | 10.35% | | 600015 华夏银行 | | -7599.66万 | -10.44% | 2163.31万 | 2.97% | 5436.35万 | 7.47% | | 600000 浦发银行 | | -1.03亿 | -7.58% | 2639.52万 | 1 ...

Group 1 - The core viewpoint of the news is the performance and growth of the Invesco Great Wall CSI National New Hong Kong Stock Connect Central Enterprise Dividend ETF (520990), which has seen significant increases in both share count and total assets in 2024 [1] - As of September 16, 2024, the ETF's latest share count is 4.309 billion shares, with a total asset size of 4.391 billion yuan, reflecting a 15.03% increase in shares and a 25.42% increase in assets year-to-date [1] - The ETF has demonstrated strong liquidity, with a cumulative trading amount of 2.1605 billion yuan over 174 trading days this year, averaging 12.4 million yuan per day [1] Group 2 - The current fund managers of the ETF are Gong Lili and Wang Yang, with Gong managing since July 25, 2024, achieving a return of 18.24%, while Wang is set to manage from July 15, 2025, with a return of 4.61% [2] - The ETF's top holdings include China Mobile, China Petroleum, COSCO Shipping, CNOOC, China Shenhua, Sinopec, China Telecom, China Unicom, China Merchants Bank, and China Coal Energy, with significant weightings in the portfolio [2][3] - The largest holding is China Mobile at 10.83%, followed by China Petroleum at 10.55%, and COSCO Shipping at 9.66%, indicating a concentrated investment strategy in major state-owned enterprises [3]

Core Viewpoint - China Merchants Bank Beijing Branch has launched an elderly-friendly service system called "Warmth for the Elderly, Care with Solutions," providing comprehensive services for elderly clients, showcasing a commitment to humanistic care beyond financial services [1] Group 1: Service Initiatives - The service system includes a dedicated elderly area, full companionship, an elder-friendly app, retirement planning, and activities for the elderly [1] - The bank has received numerous heartwarming stories that reflect its dedication to elderly care and the warmth of its services [1] Group 2: Individual Stories - A customer manager, Chen Meng, created a "green channel" for a 92-year-old client, Liu Shushu, providing weekly dedicated service and teaching him to use mobile banking, which helped build a trusting relationship [2] - Sun Tian, a branch supervisor, assisted an elderly woman, Chen Ayi, who fainted at a bus stop, demonstrating the bank's commitment to social responsibility and care [3] - Hua Yijun, a safe deposit box clerk, helped an elderly client, Wang Ayi, by ensuring her safety while using a high box and eventually arranged for her to have a lower box, highlighting the bank's attention to detail and customer needs [4][5] Group 3: Philosophy and Commitment - The bank emphasizes that true service goes beyond processes and rules, focusing on long-term companionship and being a reliable support for elderly clients [2] - The stories illustrate the bank's "invisible craftsmanship," where service is about mutual respect, care, and protection, reinforcing the belief that "financial services for the people" is a steadfast commitment [5]

大举买入太保H股 券商中国记者查询到，9月11日，中国平安买入7780.92万股中国太保H股，场内交易均价为每股33.043港元，场外交易均价约 为每股31.23港元。经估算，此次买入耗资约25亿港元。 本次交易后，中国平安对中国太保H股的持股数量达到3.13亿股，持股比例从此前的8.47%大幅升至11.28%，其中，平安人寿 持股比例达到10.17%。 中国平安对中国太保的买入始于今年8月，至今已持续一个多月。8月8日，中国平安买入174.14万股中国太保H股，持股比例 升至5.04%，自此拉开了这一轮"保险投资保险"的序幕。 此后，中国平安持续买入。8月28日，中国平安旗下平安人寿、平安财险合计增持中国太保H股1072.02万股，每股均价35.6922 港元。此次投资后，中国平安持有中国太保H股数量达到2.23亿股，持股比例升至8.02%。 扫货银行股的同时，中国平安对保险股也开启"买买买"模式。 港交所数据显示，9月11日，中国平安买入7780.92万股中国太保H股，对太保H股持股比例达到11.28%。这是继8月突破5%举 牌线后进一步突破10%门槛。 券商中国记者梳理发现，中国平安对银行股的买入也未止 ...

Core Insights - The China Securities Investment Fund Industry Association (CSRC) released the public fund sales retention scale for the first half of 2025, highlighting the dominance of top institutions in the market [1][2][3] Fund Sales Institutions - The top three fund sales institutions by equity fund retention scale are Ant Fund, China Merchants Bank, and Tiantian Fund, with retention scales of 822.9 billion, 492 billion, and 349.6 billion respectively [1][2] - A total of 9 institutions have equity fund retention scales exceeding 100 billion, with banks holding 5 of these positions, indicating a strong presence in the market [2] Market Trends - The top ten sales institutions account for 30.3 trillion in equity fund retention scale, representing 58.90% of the total scale of the top 100 institutions, showcasing a clear "Matthew Effect" in the industry [2] - Non-monetary market fund retention scales for Ant Fund and China Merchants Bank both exceed 1 trillion, reaching 1.57 trillion and 1.04 trillion respectively, with Tiantian Fund also surpassing 500 billion [2] Growth Metrics - The total retention scale of equity funds among these institutions reached 51.4 trillion, with a quarter-on-quarter increase of 285.6 billion, reflecting a growth rate of 5.89% [3] - The total retention scale of non-monetary market funds reached 10.2 trillion, with a quarter-on-quarter growth of 662.6 billion, indicating a 6.95% increase [3] Competitive Landscape - The "stronger get stronger" phenomenon is evident, as the gap between leading institutions and smaller ones continues to widen, with 43 institutions having equity fund retention scales below 10 billion [4] - The retention scale of stock index funds among leading companies has surpassed 1 trillion, while many smaller institutions remain at single-digit scales, suggesting a challenging environment for smaller players [4]

基金代销行业依旧呈现强者恒强的格局，蚂蚁、招商银行、天天基金三大巨头稳坐非货币基金保有规模前三宝座。而以中信证券、华泰证券、国泰海通证券 等头部公司为代表的券商渠道，凭借在ETF市场中的优势，成为今年上半年非货币基金保有规模环比增速最快的一类机构。 21世纪经济报道记者 易妍君 近日，中国证券投资基金业协会（以下简称"中基协"）公布了2025年上半年度基金销售机构公募基金销售保有规模TOP100榜单。 根据榜单披露的数据，截至2025年上半年，行业前100名机构旗下的非货币基金保有规模合计为10.2万亿元，环比（较2024年下半年，下同）增长了约7%。 其中，债基贡献了主要增量，股票指数基金亦表现出强劲的增长势头。 伴随公募基金行业的发展，各类代销渠道的增长逻辑已呈现明显分化。 在中信建投非银金融团队看来，对于公募基金代销业务，券商以权益和指数为核心特征；银行在固收与主动权益领域继续占据主导地位，同时正奋力追赶股 指产品。第三方代销在整体增长背后呈现分化，"流量生态"与"机构业务"成为驱动增长的双引擎。 展望未来，该团队认为，权益保有规模或成为代销发展的重心，场内ETF或迎来发展；而代销机构需在逆周期布局与顺 ...