AI基金汇添富红利智选混合发起式A（021515）披露2025年二季报，第二季度基金利润67.55万元，加权平均基金份额本期利润0.0654元。报告期内，基金净 值增长率为6.4%，截至二季度末，基金规模为1145.54万元。 该基金属于偏股混合型基金。截至7月18日，单位净值为1.112元。基金经理是温琪，目前管理2只基金。 基金管理人在二季报中表示，报告期内，我们始终保持高仓位运作。在组合配置上，我们（1）超配了港股高股息资产；（2）适度超配了银行、交运等相对 低波动的板块；（3）基于行业基本面情况，低配了煤炭行业而超配了有色金属行业；（4）考虑到当前流动性较好、投资者风险偏好上升的市场环境，我们 亦自下而上的选择部分估值相对便宜且兼具一定成长性的个股进行配置。整体而言，这些操作使得投资组合取得了较高的超额收益。预计未来较长时间段 内，红利风格都将是 A股市场重要的投资主线。本基金管理人将保持产品的红利风格不漂移，同时积极把握市场脉络，在低波动和质量等风格上做阶段性的 暴露，力求组合能够相对基准获取稳健的超额收益。 截至7月18日，汇添富红利智选混合发起式A近三个月复权单位净值增长率为10.38%，位于同 ...

AI基金汇添富红利增长混合A（006259）披露2025年二季报，第二季度基金利润543.46万元，加权平均基金份额本期利润0.0104元。报告期内，基金净值增 长率为0.82%，截至二季度末，基金规模为7.35亿元。 截至6月30日，基金近三年夏普比率为-0.1277，位于同类可比基金160/240。 该基金属于偏股混合型基金。截至7月18日，单位净值为1.598元。基金经理是劳杰男和黄耀锋，目前共同管理2只基金近一年均为正收益。其中，截至7月18 日，汇添富研究优选灵活配置混合近一年复权单位净值增长率最高，达9.54%；汇添富红利增长混合A最低，为9.4%。 基金管理人在二季报中表示，展望 2025 年三季度，海外关税影响逐步减弱，国内低通胀环境难以快速改善，预计宏观政策将适时适度加码推动经济修复。 流动性方面，美联储或率先降息，国内央行进而跟上降息，流动性环境或依然保持充裕。从基本面来看，国内产能周期仍处于底部，全 A 盈利明显修复仍 要等到通胀等价格指标改善，结构上地产投资有望迎来降幅收窄、但仍保持磨底，消费受高基数影响存在增长压力，基建投资上行空间或可期待。风格方 面，国内经济弱修复、长端利率下行、 ...

工银瑞信中国机会全球配置股票型证券投 资基金 基金管理人：工银瑞信基金管理有限公司 基金托管人：中国银行股份有限公司 报告送出日期：2025 年 7 月 21 日 工银瑞信中国机会全球配置股票型证券投资基金 2025 年第 2 季度报告 §1 重要提示 基金管理人的董事会及董事保证本报告所载资料不存在虚假记载、误导性陈述或重大遗漏， 并对其内容的真实性、准确性和完整性承担个别及连带责任。 基金托管人中国银行股份有限公司根据本基金合同规定，于 2025 年 7 月 17 日复核了本报告 中的财务指标、净值表现和投资组合报告等内容，保证复核内容不存在虚假记载、误导性陈述或 者重大遗漏。 基金管理人承诺以诚实信用、勤勉尽责的原则管理和运用基金资产，但不保证基金一定盈利。 基金的过往业绩并不代表其未来表现。投资有风险，投资者在作出投资决策前应仔细阅读本 基金的招募说明书。 本报告中财务资料未经审计。 本报告期自 2025 年 4 月 1 日起至 6 月 30 日止。 §2 基金产品概况 基金简称 工银全球股票（QDII） 基金主代码 486001 基金运作方式 契约型开放式 基金合同生效日 2008 年 2 月 14 ...

Core Viewpoint - The credit card industry in China is experiencing a significant transformation, shifting from expansion to a focus on quality and efficiency, as evidenced by the increasing number of banks discontinuing co-branded credit card products [12][19]. Group 1: Market Trends - Since January 1, 2025, at least seven major banks have announced the discontinuation of at least 22 co-branded credit card products, indicating a trend of product adjustments in the credit card market [2][6]. - Major banks, including China Bank and Citic Bank, have stopped issuing various co-branded credit cards, with reasons primarily cited as "business adjustments" or "contract expiration" [4][6]. Group 2: Product Adjustments - Co-branded credit cards, which are partnerships between banks and profit-oriented institutions, are being phased out due to their unsustainable cooperation models and imbalanced overall returns [9][10]. - Banks are transitioning to standard credit cards for existing co-branded cardholders, with changes in reward structures and benefits [4][6]. Group 3: Regulatory Environment - The regulatory framework has tightened, with new guidelines from the former CBIRC and the People's Bank of China mandating banks to focus on quality over quantity in credit card issuance [10][12]. - The new regulations require banks to limit the ratio of dormant credit cards to no more than 20%, prompting a reevaluation of credit card strategies [10][12]. Group 4: Consumer Behavior - The credit card market is increasingly catering to younger consumers, who have diverse interests and consumption needs, necessitating banks to innovate and tailor products accordingly [18][19]. - The decline in credit card issuance and usage reflects a broader trend of market saturation and the need for banks to refine their customer engagement strategies [12][13]. Group 5: Future Outlook - The discontinuation of co-branded credit cards is seen as a necessary step towards a more refined and efficient credit card business model, focusing on high-value customer segments and innovative product offerings [15][19]. - The industry is expected to evolve towards precision marketing and enhanced customer experiences, leveraging digital technologies and data analytics [7][19].

Group 1 - Wahaha is facing family disputes, impacting sales and market confidence according to a distributor's statement [19] - The actual controller's father of Dongfang Caifang plans to transfer approximately 158.8 million shares, reducing his stake to 0.20% [20] - The new leadership at Huatai Fund marks the beginning of the "Lu Weiming era," with the company managing over 1.2 trillion yuan in assets [24] Group 2 - The resignation of the chairman of Zhejiang Merchants Bank indicates a turning point for the bank's "financial benevolence" strategy [25] - Long-standing executives from Wenta Technology have resigned, signaling a strategic shift towards semiconductors [27] - Ding Luming, a veteran analyst from CITIC Construction Investment, is transitioning to the private equity sector after a decade in research [29]

Core Insights - The article highlights the successful development of the goji berry industry in Ningxia, China, supported by innovative financial products from the Bank of China, which has created a comprehensive financial service chain covering planting, processing, and distribution [1][2] Group 1: Financial Support for Farmers - The Bank of China Ningxia branch introduced the "Goji Loan" to support local farmers, allowing them to expand their planting scale and improve their income [1] - The bank's team visited over 200 farming households to understand their financial needs and tailor loan services accordingly [1] - Farmers reported significant benefits from the "Goji Loan," contributing to a successful harvest season [1] Group 2: Support for Technology and Processing Enterprises - The Bank of China Ningxia branch has provided specialized financial services to technology-driven small and micro enterprises in the goji berry sector, focusing on deep processing and high-value product development [2] - The bank has issued 48 loans totaling over 150 million yuan to goji industry enterprises and nearly 300 loans exceeding 100 million yuan to individual clients [2] - The collaboration between the bank and local enterprises has led to improved operational efficiency and technological advancements in the goji processing industry [2]

Group 1 - The core viewpoint emphasizes the importance of financial support for hard technology companies in Shenzhen as they expand globally, highlighting the role of China Bank Shenzhen Branch in providing tailored financial services [1][2] - Shenzhen Jingtai Technology Co., Ltd. has improved drug research efficiency by over 50% through AI technology, supported by a timely loan of 30 million yuan from China Bank Shenzhen Branch [1] - China Bank Shenzhen Branch has developed a one-stop solution combining loans, cross-border settlements, and equity incentive management to support technology companies in their international operations [1] Group 2 - Shenzhen Haiman Technology Co., Ltd. received over 100 million yuan in credit approval within three working days to fulfill a large order from Africa, showcasing the bank's rapid response to funding needs [2] - China Bank Shenzhen Branch has created specialized financial products like "Science and Innovation Loan," "R&D Loan," and "Computing Power Loan" to meet the unique financial demands of technology enterprises [2] - The bank has served over 20,000 technology companies, with a technology finance loan balance nearing 200 billion yuan, and has supported over 40,000 cross-border clients this year [2] Group 3 - The bank plans to continuously upgrade its financial "toolbox" to connect technology, industry, and capital chains, facilitating the global expansion of hard technology companies [3] - Future efforts will focus on integrating cross-border finance and technology finance resources to contribute to the cultivation of new productive forces and promote high-quality development [3]

链博会现场，金融机构展示的创新实践清晰传递出一个信号：金融支持产业链供应链现代化，正从传统 的信贷支持向更深入的风险管理、更精准的图谱服务、更高效的数智化平台演进。 （文章来源：新华财经） 交通银行在"五篇大文章"指引下，重点展示了"交银蕴通·易链"和"交银蕴通·财资"等一批数字金融高质 量创新服务。 其中，"蕴通易链"以交通银行数智化转型为契机，强化科技创新引领，着力解决企业融资难、融资贵问 题。其核心路径包括：一是完善"基础产品+线上产品+秒融产品"的多元化产品体系；二是加强数字化 赋能，深化平台场景化生态合作；三是聚焦重点行业，构建一站式场景综合服务，通过做优产品、数字 赋能、聚焦行业。 "蕴通财资"则集中展示了面向企业的财资管理与支付结算数字金融产品。其中，"云跨行"平台作为交通 银行打造的具有自主知识产权的企业多银行财资管理工作平台，尤为引人注目。该平台集账户、结算、 资金、票据、投融资管理以及银企互联、移动办公等十大功能于一体，并推出跨行代发、智慧记账、银 企支付、跨境结算、行业洞察五大特色应用，助力企业实现财资管理"看得见、调得动、管得住、用得 好"。 新华财经北京7月19日电（记者丁雅雯刘旭阳 ...

公告简历显示，杨军出生于1972年，1996年毕业于清华大学，获工学硕士学位，2003年毕业于清华大 学，获管理学博士学位。具有高级经济师职称。 采写：南都·湾财社记者 黄顺威 此前，杨军曾任中国建设银行风险监控部、风险管理部总经理助理，风险管理部副总经理兼市场风险管 理部副总经理、总经理，湖北省分行副行长等职务。 值得注意的是，在银行实务工作之外，杨军也有扎实的学术研究功底，曾出版《商业银行客户评价》 《银行信用风险管理：理论、模型与实证分析》等专著，还发表过《关于国有大型银行改革转型的思 考》《债务杠杆衡量及其管控策略》等多篇论文。 南都·湾财社记者注意到，杨军是中国银行2025年以来第二位引进的副行长。1月24日，中国银行公告 称，公司董事会聘任武剑为该行副行长；此后，武剑任职资格获核准并于2月24日起正式上任。据公 告，武剑加入中国银行前曾任光大银行党委副书记、纪委书记。 2025年以来，中国银行副行长一职接连变阵。1月，林景臻因年龄原因，辞去中国银行执行董事、副行 长等职务；4月29日，中国银行发布公告，刘进因职务变动，辞去该行副行长职务；6月，刘进被委任为 中国银行执行董事，任期三年。6月16日， ...

近日，深圳近20家银行密集发布声明，称某贷款中介机构假冒合作方揽客。 多家银行更是罕见地在声明中直接点明该中介机构名称——鑫心惠邻（深圳）咨询服务有限 公司（以下简称"鑫心惠邻"）。 据媒体不完全统计，截至发稿，已有建设银行、工商银行、中国银行、农业银行、交通银 行、邮储银行、招商银行、平安银行、华夏银行等近20家银行的深圳分行，发布了相关声 明。 警惕怕天员刹甲介虚假亘传套路，避兄拴信 转员 降息""内部提额""洗白征信"等说法，注意个人信 『 息保护,谨防上当受骗,避免造成不必要的损 失。如有业务办理需求，请咨询我行网点，或致 电我行客服热线： 95599、4006695599(信用 卡)。 特此声明! 中国农业银行深圳市分行 2025年7月14日 声明内容基本一致，主要是澄清与鑫心惠邻及其关联公司不存在任何形式的合作关系，亦从 未授权或委托该公司及其关联公司以银行名义开展任何业务；并提醒消费者警惕虚假宣传套 路。 有媒体报道显示，鑫心惠邻在其门店、附近小区电梯广告位打出"携手某某银行"等宣传广 告，并声称多家银行为其战略合作伙伴，以"降息优化""贷款咨询"为社区邻居提供降息提额 服务，并收取高额服务费。 ...