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]

12家全国性股份制商业银行 近日，财政部、中国人民银行、金融监管总局印发《个人消费贷款财政贴息政策实施方案》。 要点如下↓↓ 支持范围 贷款经办机构 6家国有大型商业银行， 包括中国工商银行股份有限公司、中国农业银行股份有限公司、中国银行股份有限公司、中国建设银行 股份有限公司、交通银行股份有限公司、中国邮政储蓄银行股份有限公司。 ■ 家用汽车领域，包括汽车购置、车辆保险及维修。 ■ 养老生育领域，包括老龄人口或其子女购买的家庭适老化改造服务、养老机构和养老社区服务，托 育、辅助生育消费等。 实施方案明确，同时符合以下条件的贷款可享受贴息政策—— 2025年9月1日至2026年8月31日期间，居民个人使用贷款经办机构发放的个人消费贷款（不含信用 卡业务）中实际用于消费，且贷款经办机构可通过贷款发放账户等识别借款人相关消费交易信息 的部分，可按规定享受贴息政策。 贴息范围包括单笔5万元以下消费，以及单笔5万元及以上的家用汽车、养老生育、教育培训、文 化旅游、家居家装、电子产品、健康医疗等重点领域消费。 对于单笔5万元以上的消费，以5万元消费额度为上限进行贴息。政策到期后，可视实施效果研究 延长政策期限、扩大支持 ...

Core Viewpoint - Rongchang Biologics (09995) has announced an agreement with China Merchants Bank Yantai Branch to invest RMB 350 million of idle funds in a wealth management product [1] Group 1 - The company will utilize its idle self-owned funds for the investment [1] - The investment is scheduled to take place on August 12, 2025 [1]

智通财经APP讯，荣昌生物(09995)发布公告，于2025年8月12日，公司与招商银行烟台分行订立招商银 行理财产品协议，据此公司同意以人民币3.5亿元的闲置自有资金向招商银行烟台分行购买理财产品。 ...

Core Insights - The article highlights the top and bottom AH premium rates for various stocks, indicating significant disparities in market valuations between A-shares and H-shares [1][2] - Northeast Electric (00042) leads with a premium rate of 785.25%, while CATL (03750) shows a negative premium rate of -24.17%, suggesting potential investment opportunities and risks [1] AH Premium Rate Rankings - The top three stocks with the highest AH premium rates are: - Northeast Electric (00042) at 785.25% - Hongye Futures (03678) at 224.58% - Andeli Juice (02218) at 221.77% [1] - The bottom three stocks with the lowest AH premium rates are: - CATL (03750) at -24.17% - Heng Rui Medicine (01276) at -3.29% - China Merchants Bank (03968) at 5.44% [1] Deviation Values - The stocks with the highest deviation values are: - Andeli Juice (02218) at 34.56% - Beijing Beichen Industrial (00588) at 25.56% - Jinli Permanent Magnet (06680) at 17.10% [1] - The stocks with the lowest deviation values include: - BYD Company (01211) at -163.29% - Northeast Electric (00042) at -86.52% - Longpan Technology (02465) at -40.42% [1][2] Additional Insights - The article provides a detailed table of the top ten and bottom ten AH stocks based on premium rates and deviation values, which can serve as a reference for investors [1][2]

招商银行资金营运中心外汇分析师丁木桥表示，目前市场预期美联储降息2-3次，关注通胀、非农、失 业率数据。美元指数预计将在95-103区间宽幅震荡，欧元要突破7月创下的四年高点还需新的驱动因 素，日本年内加息存疑、利差逻辑仍偏利空日元。 来源：第一财经 ...

Core Viewpoint - The forum hosted by China Merchants Bank emphasizes the high-quality development of wealth management in the Guangdong-Hong Kong-Macao Greater Bay Area, highlighting the potential for growth in China's wealth management industry as it transitions to a globalized stage [1][2]. Group 1: Industry Trends and Changes - China's wealth management industry has significant growth potential as the country shifts from a financial power to a financial stronghold, with rising asset valuations and a recovering capital market attracting global funds [2]. - The low-interest-rate environment in China since 2021 poses challenges for wealth management institutions, impacting investment returns and operational pressures [2]. - Customer demand is evolving towards a more comprehensive approach, requiring wealth management firms to enhance their service capabilities to meet diverse needs [2]. - Wealth management must accelerate its transformation to achieve high-quality development, shifting from a focus on numerous small entities to fewer, stronger ones, and moving towards internationalization [2]. - The technological revolution, particularly AI, is expected to disrupt wealth management, transforming service methods, operational models, and decision-making processes [2]. Group 2: Company Strategies and Achievements - China Merchants Bank is committed to high-quality development in wealth management and asset management, achieving notable results through its strategic focus [2]. - The bank's business model is evolving to prioritize long-term effectiveness, emphasizing customer retention over mere sales [3]. - The bank maintains a balanced and robust business structure, utilizing a multi-asset and multi-strategy approach based on customer risk preferences [3]. - Customer experience is being enhanced through a focus on certainty in supply strategies and effective risk management [3]. - The bank is leveraging technology for efficiency, developing a digital foundation that incorporates cloud, AI, and centralized platforms [3]. Group 3: Future Directions and Collaborations - The bank aims to be a builder of a financial strong nation, integrating into national financial strategies to support the real economy and enhance global competitiveness [3]. - It seeks to create long-term value for clients by prioritizing customer needs and enhancing wealth management experiences [3]. - The bank is positioned as a service provider for global asset allocation, with an international layout centered around Hong Kong [3]. - It is pioneering in the "AI + Finance" space, implementing an "AI First" strategy to become a leading intelligent bank [3]. - The bank emphasizes regulatory compliance and self-discipline, promoting healthy competition within the industry [3].

Core Viewpoint - The performance of listed banks in 2021 has been impressive, with all 22 banks reporting positive growth in net profit, and a significant portion achieving double-digit growth in both revenue and net profit [1][2][3]. Group 1: Performance Overview - As of March 6, 2022, 22 listed banks have released their 2021 performance reports, all showing positive forecasts [1]. - Among these banks, 19 reported a double-digit growth rate in net profit, accounting for over 80% of the total [1]. - Shanghai Bank reported a revenue of 56.23 billion yuan, a year-on-year increase of 10.81%, and a net profit of 22.04 billion yuan, up 5.54% [1]. - The total assets of Shanghai Bank reached 2.65 trillion yuan, a growth of 7.76%, with a non-performing loan ratio of 1.25% [1]. Group 2: Leading Banks - In terms of revenue, China Merchants Bank, Industrial Bank, and CITIC Bank ranked as the top three listed banks, each exceeding 200 billion yuan in revenue, with China Merchants Bank leading at 331.23 billion yuan [2]. - China Merchants Bank is the only bank with a net profit exceeding 100 billion yuan, reporting 119.92 billion yuan for 2021 [2]. - Ningbo Bank and Jiangsu Bank achieved the highest growth rates, with revenue growth of 28.24% and net profit growth of 30.72%, respectively [2]. Group 3: Market Sentiment and International Interest - The overall performance of listed banks is expected to continue improving, driven by stable growth policies, which may further catalyze valuation recovery [3]. - Recent adjustments by FTSE Russell included the addition of two billion-dollar market cap banks, Ningbo Bank and Postal Savings Bank, to the FTSE China A50 Index [3]. - International funds, such as Allianz's China A-Share Fund, have increased their holdings in China Merchants Bank, indicating growing foreign interest in Chinese bank stocks [4].