从资金流向上来看，当日股份制银行板块主力资金净流入3.27亿元，游资资金净流出8754.9万元，散户资 金净流出2.39亿元。股份制银行板块个股资金流向见下表： | 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 | | --- | --- | --- | --- | --- | --- | --- | --- | | 600000 浦发银行 | | 1.06亿 ﮯ | 15.65% | -3959.94万 | -5.84% | -6648.73万 | -9.81% | | 600036 招商银行 | | 9793.37万 | 3.93% | -4550.66万 | -1.82% | -5242.71万 | -2.10% | | 601166 兴业银行 | | 9596.85万 | 9.16% | -2153.61万 | -2.06% | -7443.23万 | -7.10% | | 601998 中信银行 | | 5510.35万 | 11.60% | -1388.74万 | -2.92% | -4121.61万 | -8 ...

Core Insights - Recently, Shanghai Pudong Development Bank (SPDB) completed its first offshore ship financing USD loan business amounting to 38 million, enhancing its cross-border financial service capabilities in the energy and shipping sectors [1][2] - The collaborating enterprise is a core entity in SPDB's strategic group client financing leasing sector, focusing on overseas ship asset operation and energy service support, holding a key position in the industry [1] - SPDB has established a specialized task force to address the offshore ship financing needs of the enterprise, leveraging an efficient collaboration mechanism among its headquarters, branches, and sub-branches [1] Financial Innovation - SPDB introduced an innovative "OSA revolving loan + ship financing" comprehensive service plan, which effectively matches the medium to long-term financing needs of ship leasing companies while significantly reducing financing costs for clients [1] - The OSA account framework provides a more flexible and efficient offshore funding support system for enterprises, facilitating the group's overseas ship business layout [2] Future Outlook - SPDB aims to continue focusing on cross-border customer needs in the energy and shipping sectors, promoting the replication of this innovative model to strengthen its specialized business advantages in cross-border finance [2]

Core Points - The company Huylv Ecological announced the signing of a "Maximum Guarantee Contract" with Pudong Development Bank Ningbo Branch, providing a joint liability guarantee not exceeding RMB 257 million [2] - The guarantee period is set from August 18, 2025, to December 31, 2034 [2]

Core Viewpoint - The release of the "Internet Wealth Management Custody Business Development White Paper" aims to enhance the development of wealth management through collaboration and innovation in custody services, ensuring the safety of investors' funds and promoting a new ecosystem for wealth management [1][2]. Group 1: Industry Overview - The wealth management market is experiencing significant demand, with internet channels enabling more accessible and efficient financial services, leading to a non-cash public fund distribution volume of 3.4 trillion yuan by the end of 2024, accounting for one-third of the top 100 fund sales institutions in China [2]. - The white paper outlines the current state, practices, and future of internet wealth management and custody services, emphasizing their importance in the healthy and sustainable development of the industry [2][3]. Group 2: Role of Custody Institutions - Custody institutions play a crucial role as independent third parties in the internet wealth management ecosystem, helping to mitigate moral hazards and enhance the credibility and security of the entire business chain [3][4]. - The white paper emphasizes that custody institutions must prioritize the protection of investors' interests and collaborate with internet wealth management firms to create a comprehensive service ecosystem [4]. Group 3: Future Trends and Developments - The white paper discusses the opportunities presented by regulatory frameworks and the "Five Major Financial Articles," forecasting new development trends in public funds, pension finance, and bank wealth management [2][4]. - Custody institutions are expected to enhance their service offerings, particularly in the areas of public fund development, pension product sales, and innovative financial product sales strategies [4]. Group 4: Company Performance - SPD Bank, as one of the first internet public fund sales settlement custody institutions, has supervised over 60 trillion yuan in subscription, redemption, and dividend amounts since 2011, with an average of nearly 300 million transactions daily [5]. - As of the first quarter of 2025, SPD Bank's wealth management custody business has surpassed 80 trillion yuan in fund sales supervision, ranking first in the industry [5].

Core Viewpoint - The release of the "Internet Wealth Management Custody Business Development White Paper" aims to enhance the development of wealth management through custody services, promoting a safer and more inclusive financial ecosystem [1][2]. Group 1: Current Market Landscape - The wealth management market is experiencing significant demand, with internet channels enabling more accessible and efficient financial services. By the end of 2024, the non-cash public fund distribution held by internet wealth management institutions is projected to reach 3.4 trillion yuan, accounting for one-third of the top 100 fund sales institutions in China [2]. - The integration of AI and digital technologies in custody services has established a comprehensive supervision mechanism for transaction funds, ensuring the safety of investments for millions of investors [2][3]. Group 2: Role of Custody Institutions - Custody institutions play a crucial role in the internet wealth management ecosystem, acting as independent third parties that enhance the credibility and security of the wealth management process. They help mitigate moral hazards associated with internet wealth management institutions [3][4]. - The white paper emphasizes that custody institutions must prioritize the protection of investors' interests, collaborating with internet wealth management firms to create a broader range of business scenarios and product offerings [4]. Group 3: Future Trends and Developments - The white paper outlines future trends in public funds, pension finance, and bank wealth management, suggesting that custody services will evolve to support the development of these sectors [2][4]. - Custody institutions are expected to enhance their service offerings, particularly in the areas of public fund development, pension product sales, and innovative financial product sales strategies [4]. Group 4: Performance of Shanghai Pudong Development Bank - Shanghai Pudong Development Bank has been a pioneer in internet public fund sales and custody services since 2011, with cumulative independent sales supervision of subscription, redemption, and dividend amounts exceeding 6 trillion yuan by 2024. The bank supervises nearly 300 million transactions daily, with a peak exceeding 2.3 billion transactions [5]. - As of the first quarter of 2025, the bank's wealth management custody business has surpassed 8 trillion yuan in sales supervision scale, ranking first in the industry [5].

本报讯 （记者朱宝琛）为深入贯彻中国证监会及北京市相关工作部署，做好科技金融大文章，提升金 融支持科技创新质效，服务北京国际科技创新中心建设，8月15日，北京证监局、中国人民银行北京市 分行、北京市科学技术委员会、中关村科技园区管理委员会与北京基金小镇共同举办"中关村科技·金融 汇"第6期投贷联动融资对接活动。 北京证监局私募处处长在主持发言中介绍了北京辖区股权创业投资机构、科技型企业和银行投融资方面 的现实需求和结合点，推动投贷联动融资对接的原则和意义，表示将与各委办局合力搭建具有北京特色 创新性的供需对接平台，围绕首都高精尖产业结构、科创型企业成长周期提供更优质、高效的服务；人 民银行北京市分行负责人介绍了投贷联动平台建设和支持私募基金、科创企业发展方面的情况，以及前 期投贷联动融资对接取得的积极成效；北京基金小镇相关负责人介绍了小镇私募机构发展情况，服务实 体经济情况，以及小镇在服务和引导管理人合规展业方面开展的风险防控、合规培训等方面的做法和成 效。 本次活动聚焦"投贷联动"，为科技型企业搭建股权融资与债权融资高效对接的"桥梁"，臻知医学、星川 新能源、平方和、东方空间、华龛生物、泰科天润、大橡科技等 ...

在成立4年后，浦发银行科技子公司浦银金科终于正式运作。 据21世纪经济报道记者统计，自2015年兴业数金设立以来，银行科技子公司数量已达到26家。 设立之初，科技子被寄予厚望，既能实现银行业务和科技业务的隔离，也能通过对外科技输出，将科技 成本部门转变为利润中心。 浦银金科目前的法定代表人、总经理为陈海宁。履历显示，陈海宁是一位浦发"老将"、他于2001年加入 浦发银行，曾任职于总行公司金融部、武汉分行、总行资产负债管理部。在浦银金科成立前，他已担任 总行信息科技部总经理。据证券时报消息，他或将出任该公司董事长一职。 科技子曾定位为"对外输出" 然而十年过去，大部分科技子公司经营情况未及预期，其生存主要依赖母行的内部采购，其市场化运作 面临挑战，因而将自己的职责逐步调整为服务母行集团。 个别机构的开业难以视为科技子模式的回暖。一方面，银行设立科技子的节奏明显趋缓；另一方面，多 家银行科技子公司正加速回归总行体系。 尽管相关银行尚未就"回归"说法公开置评，但一些人事变动显露了调整迹象。 浦银金科明确三大职责 据浦发银行消息，8月5日，该行科技子公司浦银金科于上海举行开业仪式。浦银金科设立之初的三大职 责，更多突 ...

| 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 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601166 | 兴业银行 | 2.13 Z ﮯ | 12.01% | -1.63 Z | -9.17% | -5045.81万 | -2.84% | | 600036 招商银行 | | 2.12 乙 | 5.30% | -2.06亿 | -5.15% | -610.48万 | -0.15% | | 600000 | 浦发银行 | 6405.45万 | 5.64% | -7345.68万 | -6.47% | 940.23万 | 0.83% | | 601916 | 浙商银行 | 6141.10万 | 9.15% | -2149.31万 | -3.20% | -3991.79万 | -5.95% | | 601818 光大银行 | | 5172.09万 | 8.02% | -2777.03万 | -4.31% | -2395.06万 | -3.71% | | 6000 ...

Core Insights - The article highlights the efforts of SPDB Dalian Branch in enhancing cross-border financial services to support the high-quality development of foreign trade in Dalian, focusing on digital transformation and differentiated services [1][5]. Group 1: Digital Transformation Initiatives - The launch of electronic document payment services in 2023 has significantly improved the digitalization and efficiency of cross-border remittance services, with over $150 million processed for 50 enterprises by July 2025 [1]. - The successful implementation of capital project digital services in January 2025 allows enterprises to conduct all foreign exchange operations online, enhancing convenience and efficiency [2]. Group 2: Collaborative Efforts - A seminar titled "Puhui Financial Wisdom: Seeing the Future" was held in March 2025, bringing together government, banks, and enterprises to discuss cross-border financial development and risk management strategies [3]. - The seminar showcased various digital tools and products, fostering deeper cooperation between banks and enterprises in managing foreign exchange risks [3]. Group 3: Risk Management Solutions - The launch of a foreign exchange risk management platform in May 2025 enabled the completion of two RMB foreign exchange derivative transactions on its first day, providing tailored solutions for enterprises to manage currency mismatches [4]. - The platform simplifies the bank's business review process, enhancing efficiency and reducing costs for enterprises [4]. Group 4: Regulatory Innovations - In June 2025, the bank implemented a "no-review" policy for certain qualified enterprises, streamlining the foreign exchange process and allowing for faster transactions [5]. - The introduction of products like "Cross-Border Instant Remittance" significantly improves the efficiency of cross-border settlements for high-quality enterprises [5].

今年8月，家住上海的郑女士接到一家银行信用卡的客服电话，建议她将该月的账单分期，并且现在可 以赠送一张分期"打折券"，打折后的年化费率在4%左右。 郑女士有些疑惑，自己的还款状态良好，为何会接到建议分期的电话？与身边人讨论后了解到，不少人 都有类似的经历。 她的一位朋友持有国有大行的信用卡，最近每月的还款提醒短信中都提示："您可以为本期账单办理账 单分期"。 硬币的另一面是，信用卡行业正在进行的"瘦身"调整，不少银行选择调整关闭信用卡分支机构。据记者 不完全统计，今年以来有超40家银行信用卡分中心获批关停。 素喜智研高级研究员苏筱芮对经济观察报表示，银行对信用卡权益、产品及分中心开展密集调整，因为 当前信用卡行业面临信用消费市场竞争日益激烈、信用资产有所承压、金融消保工作不断细化等考验， 站在了转型变革的十字路口。 多位研究人士提到，信用卡已经从"增量获客"进入到"存量竞争"时代。 苏筱芮认为，信用卡行业存量竞争阶段，也是数字科技日新月异的阶段，利用大数据、人工智能等新技 术为传统信用卡业务提质增效是其中的机遇，但信用卡资产质量承压、互联网信用支付类产品愈发深入 使用的大环境之下，信用卡确实面临一些"内忧外患 ...