5月31日晚间，招商银行发布《关于购买台州银行股权的进展公告》称，近日中国银行保险监督管理委 员会浙江监管局批复了台州银行关于变更主要股东的申请，同意招商银行受让平安信托和平安人寿合计 持有的台州银行14.8559%的股份，受让后该行将持有台州银行24.8559%的股份。 据了解，该行已与平安信托及平安人寿签署股权转让协议，并于2021年5月31日向平安信托和平安人寿 合计支付股权转让价款人民币31.21亿元。此次股权转让价格按照台州银行2020年12月31日归属母公司 股东的净资产及2021年过渡期损益确定。(孟凡霞 李海颜) ...

随着资管新规过渡期进入倒计时，银行理财产品的迁移工作也在提速。北京商报记者5月31日发现，招 商银行、中信银行近日相继发布公告，拟将部分前期发行的理财产品分批划转至理财子公司。除此之 外，兴业银行、光大银行、农业银行、南京银行等银行此前也均启动了理财产品迁移工作。分析人士指 出，随着理财子公司发展日益成熟，其理财产品发行销售、运营管理和投资研究等能力都逐步跟上，母 行理财产品加速迁移至理财子公司的必要性正在加大。 银行理财产品移行提速 根据5月31日中信银行发布的《关于部分理财产品变更产品管理人的公告》，为保障理财业务平稳、合 规、健康地发展，该行拟将部分前期发行的理财产品分批有序地划转至信银理财管理。迁移产品包 括"中信理财之乐赢成长强债日开净值型人民币理财产品""中信理财之共赢稳健纯债三个月锁定期净值 型人民币理财产品""中信理财之慧赢成长强债日开净值型人民币理财产品""中信理财之尊享中短债净值 型人民币理财产品"和"中信理财之尊享短债净值型人民币理财产品"。中信银行表示，将于2021年6月10 日-11日暂停上述5类产品的申购及赎回交易，划转后对应理财产品在全国银行业理财信息登记系统中登 记的募集起始日 ...

Core Viewpoint - The recent announcement of personal consumption loan interest subsidy policies aims to stimulate consumer spending and support the service industry, with a focus on broad coverage and low thresholds for access [3][6]. Policy Overview - Two significant subsidy policies were introduced: the "Service Industry Operating Entity Loan Interest Subsidy Policy" and the "Personal Consumption Loan Interest Subsidy Policy," both designed to enhance consumer spending [3][4]. - The subsidy rate for both types of loans is set at 1 percentage point, with the central and provincial finances covering 90% and 10% of the subsidy, respectively [6]. Bank Response - Over ten banks, including major state-owned banks and others like Shanghai Pudong Development Bank and China Merchants Bank, have announced their commitment to implement these policies [4]. - Agricultural Bank of China plans to start implementing the subsidy for personal consumption loans from September 1, 2025, while other banks are preparing specific operational guidelines [4]. Economic Impact - The policies are expected to increase the scale and profitability of consumer loans for banks, potentially reducing non-performing loan rates [7]. - The interest cost for enterprises receiving loans could decrease to approximately 2.26% after considering the subsidy, compared to a weighted average interest rate of 3.26% [6]. Recommendations for Financial Institutions - Financial institutions are advised to focus on sustainable business practices rather than merely scaling up, ensuring loan rates remain reasonable to prevent excessive compression of net interest margins [7]. - Utilizing financial technology to enhance risk assessment models and accurately gauge consumer repayment capabilities is recommended to improve risk management [7].

人民财讯8月13日电，华熙生物(688363)8月13日晚间公告，控股股东华熙昕宇已经取得招商银行北京分 行出具的《贷款承诺函》，招商银行北京分行在总行授权范围内，拟为华熙昕宇提供不超过2.5亿元的 贷款额度，贷款专项用于华熙昕宇增持华熙生物A股无限售条件流通股票，贷款期限不超过3年。 ...

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].

Group 1 - The article highlights the top three companies with the highest AH premium rates as Northeast Electric (800.00%), Hongye Futures (224.47%), and Andeli Juice (219.79%) [1] - The bottom three companies with the lowest AH premium rates are Ningde Times (-22.45%), Hengrui Medicine (-4.84%), and China Merchants Bank (4.09%) [1] - The article provides a detailed ranking of the top ten and bottom ten AH stocks based on their premium rates and deviation values [1] Group 2 - The top three companies with the highest deviation values are Andeli Juice (30.94%), Beijing Beichen Industrial (16.61%), and Jinli Permanent Magnet (15.22%) [1] - The bottom three companies with the lowest deviation values are BYD Company (-158.79%), Northeast Electric (-64.08%), and Longpan Technology (-41.16%) [1] - The article includes a comprehensive table listing the premium rates and deviation values for the top and bottom AH stocks [2]

Group 1 - The policy provides interest subsidies for personal consumption loans of 50,000 yuan and above in key areas such as home automotive, elderly care, education, cultural tourism, home decoration, electronic products, and healthcare [1][3]. - The subsidy rate is set at 1% per annum, covering up to 50% of the loan contract interest rate, with the central and provincial finances bearing 90% and 10% of the subsidy costs respectively [4]. - Each borrower can receive a maximum subsidy of 3,000 yuan for total personal consumption loans of up to 300,000 yuan, with a specific cap of 1,000 yuan for loans below 50,000 yuan [4]. Group 2 - The policy aims to stimulate consumer spending in various sectors by providing financial support through interest subsidies [3]. - The implementation of the policy may be extended or expanded based on its effectiveness after the initial period [3]. - The program includes a wide range of financial institutions, including six major state-owned banks and twelve national joint-stock commercial banks, as well as other consumer loan providers [4].

Group 1 - The article highlights various credit card offerings from China Merchants Bank, emphasizing attractive benefits for new users, such as fee waivers and rewards for meeting spending thresholds [3][4][6]. - New users can enjoy a first-year fee waiver and can avoid the next year's fee by making six transactions [3][4]. - There are multiple promotional gifts available for new users, including points, cash back, and branded merchandise, depending on the card selected [3][7][8]. Group 2 - The article mentions specific promotional cards, such as the Hello Kitty card and Pokémon fan card, which offer unique gifts upon meeting spending requirements [8][9]. - There are also co-branded cards with partners like JD.com and Starbucks, providing additional incentives like membership benefits and free beverages [11][13]. - Existing cardholders can apply for additional credit cards, but the new cards will share the credit limit with existing ones and will not qualify for new user rewards [15][16].

制图:朱林(即梦AI) "当前，招行为超2亿个人客户提供优质服务，管理零售客户总资产(AUM)规模超16万亿元"。招商银行 行长王良在8月7日举办的"财富启新程 湾区共潮生——2025财富合作伙伴论坛"上宣布。据了解，这是 国内首家达成此里程碑的股份制商业银行，"零售之王"招牌再次闪亮。 南都记者注意到，在招商银行2024年度股东大会上，有股东对招商银行近年基金销售"不理想"提出疑 虑，王良既坦诚过去在ETF基金等布局不完整，也介绍了"坚持为客户创造价值，从更合理的资产配置 看待每一只产品销售"的财富管理理念。 在零售AUM突破16万亿之际，王良在论坛上又带来了哪些财富管理新思考?南都记者解锁"零售之王"财 富管理的"变"与"不变"，讲述16万亿为何是里程碑也是新起点。 "长坡厚雪" 零售AUM是衡量银行零售业务强弱的关键指标 早在2007年招商银行就在业内率先提出零售AUM的经营理念，并用9年时间达成第一个5万亿。此后， 招商银行走出了财富管理的加速度，第二个5万亿缩短至5年，而此次超越第三个5万亿仅用3年多。 零售AUM包括客户存款、理财、基金等，它反映银行零售业务的综合客户价值和财富管理能力，是衡 量银 ...

Core Viewpoint - The collaboration between banks and securities firms is intensifying, with banks actively promoting securities account openings to attract customers and enhance their service offerings [1][6][7] Group 1: Bank and Securities Collaboration - Banks are strengthening partnerships with securities firms by offering incentives such as cash prizes and promoting 24/7 fund transfer services [1][4] - Securities firms benefit from banks' large customer bases, providing an efficient channel for customer acquisition [6][7] - Banks gain low-cost deposits when customers transfer funds back to their bank accounts after trading, creating opportunities for cross-selling other banking services [1][4][7] Group 2: Customer Engagement and Services - Customers opening securities accounts can participate in promotional activities, such as lotteries for cash rewards, enhancing customer engagement [2][4] - Banks are offering flexible fund transfer services to meet customer demands, especially during favorable market conditions, thereby increasing customer satisfaction [7] - The presence of securities firm representatives in bank branches facilitates better service for customers seeking investment opportunities [6][7] Group 3: Market Sentiment and Investment Trends - Increased market optimism and profit-taking behavior are driving more retail investors to enter the stock market [6] - The demand for third-party custody services is rising, as banks are evaluated on their performance in managing these services [6][7]