近日，北京信托携手华夏银行北京分行，聚焦特殊人群，创新性地升级推出——北京市首单普惠型"特殊委托人+养老直付+双监察人"特殊需要信托。 该信托通过合理的受托支付机制、信托利益分配机制和监察复核机制设计，为有特殊需要的委托人提供了可持续的养老生活保障，为解决社会特殊群体生活保障与养老难题提供了有益借鉴和示范 该信托委托人系患双相情感障碍、轻度认知障碍的老年人，北京市朝阳区人民法院已宣告委托人为限制民事行为人，并指定委托人的妹妹作为其监护人。根据民法典及信托法的相关法律规定及释 该信托初期信托财产为30万元，属于普惠型产品，后续将每年追加退休工资及变现房产至信托财产。该信托以委托人为第一顺序受益人，将信托资金锁定全生命周期、全方位的养老场景：通过个 考虑到委托人为限制民事行为能力人，结合委托人意愿，本信托采用了"自然人监察人+机构监察人"的双监察人复核机制，即同时聘请委托人妹妹和北京市道可特律师事务所对信托的运行进行监 一直以来，北京信托和华夏银行聚焦解决"民生痛点"，立足首都金融国企定位，充分发挥信托制度优势，积极探索"养老+金融+生态圈服务"创新金融服务模式。该信托的推出，是北京信托和华 展望未来，北京信托和 ...

证券之星消息，8月7日股份制银行板块较上一交易日上涨0.3%，浦发银行领涨。当日上证指数报收于 3639.67，上涨0.16%。深证成指报收于11157.94，下跌0.18%。股份制银行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 600000 | 浦发银行 | 13.93 | 1.02% | 96.56万 | 13.38亿 | | 600015 | 华夏银行 | 8.13 | 0.62% | 34.18万 | 2.77亿 | | 601998 | 中信银行 | 8.42 | 0.48% | 36.83万 | 3.08亿 | | 601166 | 兴业银行 | 23.07 | 0.39% | 1 56.76万 | 13.11亿 | | 601818 | 光大银行 | 4.13 | 0.24% | 144.78万 | 5.97亿 | | 000001 | 平安银行 | 12.47 | 0.08% | 72.21万 | 9.01亿 | | 600036 | 招商银行 | 45 ...

| 601860 | 紫金银行 | -0.66 | 1.78 | -778.68 | | --- | --- | --- | --- | --- | | 600036 | 招商银行 | -0.29 | 0.21 | -666.17 | | 002807 | 江阴银行 | -0.83 | 0.70 | -583.01 | | 601825 | 沪农商行 | -0.53 | 0.16 | -572.73 | | 002948 | 青岛银行 | 0.99 | 1.24 | -410.70 | | 601963 | 重庆银行 | -0.48 | 0.50 | -306.36 | | 600000 | 浦发银行 | 0.29 | 0.28 | -259.69 | | 601187 | 厦门银行 | 0.00 | 1.63 | -242.53 | | 600928 | 西安银行 | 0.26 | 0.59 | -97.37 | | 600908 | 无锡银行 | -0.49 | 0.59 | -37.20 | | 603323 | 苏农银行 | -0.73 | 0.99 | 378.64 | | 002958 | 青农商 ...

从资金流向上来看，当日股份制银行板块主力资金净流入6.42亿元，游资资金净流出5.53亿元，散户资金 净流出8914.7万元。股份制银行板块个股资金流向见下表： 证券之星消息，8月5日股份制银行板块较上一交易日上涨1.86%，浦发银行领涨。当日上证指数报收于 3617.6，上涨0.96%。深证成指报收于11106.96，上涨0.59%。股份制银行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 600000 | 浦发银行 | 13.75 | 4.72% | 133.65万 | 18.12 乙 | | 601916 | 浙商银行 | 3.46 | 2.67% | 386.69万 | 13.31亿 | | 600016 | 民生银行 | 5.05 | 2.43% | 387.19万 | 19.34亿 | | 601998 | 中信银行 | 8.43 | 2.18% | 1 68.19万 | 5.72亿 | | 600015 | 华夏银行 | 8.08 | 2.02% | 52.7 ...

Group 1 - The core viewpoint is that the banking sector is experiencing a shift in capital allocation due to a scarcity of certainty, leading to a pursuit of relative safety and high dividend yields in bank stocks [1] - Institutional investors indicate that the demand for high dividend, low valuation bank stocks will persist as policies continue to ease, attracting incremental capital from insurance funds, passive funds, and public funds [1] - The combination of policies promoting dividends and a stable fundamental outlook is driving a revaluation of banks [1] Group 2 - Investors looking for cost-effective exposure to the banking sector can consider the Bank ETF (512800) and its associated funds, which track the performance of 42 listed banks in A-shares [2] - As of August 4, the Bank ETF (512800) has grown to a scale of 14.99 billion yuan, with an increase of over 100% since the beginning of the year, and an average daily trading volume of 574 million yuan [2] - The Bank ETF (512800) is noted for being the largest and most liquid among the 10 bank ETFs in A-shares [2] Group 3 - The banking sector saw a strong performance with significant gains, led by Pudong Development Bank, which rose over 4%, while other banks like Zhejiang Commercial Bank, CITIC Bank, Agricultural Bank, and Huaxia Bank also saw increases of over 2% [3] - The Agricultural Bank reached a historical high during this rally [3]

格隆汇8月5日｜A股市场银行股集体上涨，其中，浦发银行涨超4%，浙商银行、齐鲁银行、江阴银 行、中信银行、南京银行、农业银行、常熟银行、民生银行、华夏银行、厦门银行涨超2%。值得注意 的是，农业银行再创历史新高。 | 代码 | 名称 | 涨幅% ↓ | 总市值 | 年初至今涨幅% | | --- | --- | --- | --- | --- | | 600000 | 浦发银行 | 3.73 | 4122亿 | 36.38 | | 601916 | 浙商银行 | 2.97 | 953亿 | 24.66 | | 601665 | 齐鲁银行 | 2.47 | 317亿 | 16.65 | | 002807 | 江阴银行 | 2.35 | 118亿 | 15.33 | | 601998 | 中信銀行 | 2.30 | 4696亿 | 23.25 | | 601009 | 南京银行 | 2.21 | 1484亿 | 14.58 | | 601288 | 农业银行 | 2.19 | 22854亿 | 27.78 | | 601128 | 常熟銀行 | 2.14 | 253亿 | 14.22 | | 600016 | 民 ...

Core Insights - The banking industry is focusing on asset-liability management, business structure adjustment, and risk prevention in their mid-year meetings, reflecting a shift towards efficiency-driven strategies in a low-interest-rate environment [4][5][6] - There is a collective resistance against "involution" competition among banks, emphasizing a long-term operational philosophy [8][9] - Several banks are exploring advanced topics such as artificial intelligence and stablecoins, indicating a push towards technological integration and innovation [11][12] Group 1: Asset-Liability Management - Five out of six banks highlighted the importance of asset-liability management in their mid-year meetings, with specific strategies to optimize resource allocation and improve net interest margins [4] - Banks like Huaxia Bank and Industrial Bank emphasized enhancing their asset-liability management capabilities to address the pressure from narrowing net interest margins [4][6] - The focus on balancing quantity and price in asset-liability management reflects the industry's urgent need to adapt to market challenges [4][5] Group 2: Risk Prevention - All six banks underscored the necessity of risk prevention, viewing it as both a baseline and a forward-looking strategy [6][7] - Different banks expressed varying emphases on risk management, with some focusing on maintaining operational safety and others advocating for a more integrated approach to risk and business [6][7] - The shift from scale-driven to quality-driven strategies is evident, as banks aim to enhance asset quality and risk management frameworks [7][8] Group 3: Resistance to "Involution" - Several banks explicitly stated their commitment to resisting "involution" competition, which is characterized by homogeneous competition and pressure on profit margins [8][9] - The regulatory environment is also pushing back against "involution," with guidelines being established to promote healthy competition within the industry [8][9] - Analysts suggest that banks should focus on differentiated services and internal capabilities to escape the cycle of low-level competition [9] Group 4: Technological Innovation - Some banks are actively researching stablecoins and integrating artificial intelligence into their operations, indicating a trend towards embracing technological advancements [11][12] - The exploration of stablecoins is seen as a response to potential disruptions in the banking system, with implications for deposit flows and interest margins [11][12] - Analysts believe that the rapid development of stablecoins will compel traditional financial institutions to innovate and expand their virtual asset offerings [12]

| 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 600000 | 浦友银行 | 13.13 | 1.63% | 99.78万 | 13.22 乙 | | 601166 | 兴业银行 | 22.78 | 1.11% | 71.29万 | 16.28亿 | | 600036 | 招商银行 | 44.90 | 1.08% | 49.80万 | 22.31亿 | | 665109 | 中信银行 | 8.25 | 0.73% | 52.93万 | 4.35 Z | | 600016 | 民生银行 | 4.93 | 0.61% | 312.65万 | 15.42 乙 | | 601818 | 光大银行 | 4.06 | 0.25% | 132.31万 | 5.37亿 | | 000001 | 平安银行 | 12.30 | 0.16% | 103.27万 | 12.71亿 | | 600015 | 半夏银行 | 7.92 | -0.13% | 35.96万 | 2.86 Z | | 601916 | 浙商银行 ...

Group 1 - Extreme weather in Beijing has caused significant flooding and landslides, affecting over 300,000 people and resulting in major casualties and property damage [1] - Banks in Beijing have activated emergency response mechanisms to ensure timely financial support for disaster relief and recovery efforts [1][2] - China Development Bank Beijing Branch provided an emergency loan of 300 million yuan to support disaster relief efforts [1] Group 2 - Agricultural Bank of China Beijing Branch opened a green channel for emergency funds, completing the entire process in just two and a half hours to support rescue operations [1] - Traffic Bank Beijing Branch prioritized emergency financial services for flood relief and ensured smooth processing of emergency fund requests [2] - China Bank Beijing Branch provided 400 boxes of mineral water to support rescue personnel on the front lines [2] Group 3 - Banks are actively engaging with affected communities to assess financial needs and provide comprehensive support for post-disaster recovery [3] - Industrial and Commercial Bank of China launched targeted credit products to assist residents in repairing homes affected by the disaster [3] - Agricultural Bank of China is implementing various relief policies, including loan extensions and interest reductions, to support small businesses and farmers [3][4] Group 4 - Minsheng Bank Beijing Branch is increasing online loan applications to support disaster recovery and has partnered with local agricultural financing institutions for targeted financial solutions [5] - China Bank Beijing Branch provided non-repayment loans to a severely affected ecological agriculture company to assist with cash flow issues [5][6] - Citic Bank Beijing Branch is actively reaching out to local businesses to understand their financial needs and provide necessary support [6]

| 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 600000 | 浦发银行 | 12.92 | 0.86% | 79.39万 | 10.19亿 | | 000001 | 平安银行 | 12.28 | 0.41% | 101.22万 | 12.40 Z | | 600016 | 民生银行 | 4.90 | 0.20% | 247.55万 | 12.07亿 | | 601818 | 光大银行 | 4.05 | 0.00% | 157.97万 | 6.38亿 | | 866109 | 中信银行 | 8.19 | 0.00% | 54.60万 | 4.46 Z | | 600036 | 招商银行 | 44.42 | -0.13% | 59.46万 | 26.52亿 | | 600015 | 华夏银行 | 7.93 | -0.25% | 38.43万 | 3.04亿 | | 601916 | 浙商银行 | 3.38 | -0.29% | 191.78万 | 6.47亿 | | 601166 | 兴业银行 ...