Group 1 - The core viewpoint of the news is the emphasis on the implementation of policies to support small and micro enterprises, particularly through the provision of loans and financial assistance [1][2] - The China Banking and Insurance Regulatory Commission (CBIRC) has set a target for state-owned banks to ensure an increase of 1.6 trillion yuan in inclusive loans for small and micro enterprises in 2022 [1] - Financial institutions are required to execute policies for deferred principal and interest payments, focusing on making these policies visible, accessible, and operational [1][2] Group 2 - The CBIRC has called for a reasonable setting of conditions for deferred payments, particularly for industries severely affected by the pandemic, such as catering, retail, culture, tourism, transportation, and manufacturing [2] - There is a push for a comprehensive approach to enhance communication and coordination between regulatory departments and local governments to create favorable policies for economic development and financing for small enterprises [2] - The importance of internal compliance management and regulatory inspections is highlighted, with a focus on preventing misuse of financial resources intended for small enterprises [2]

Group 1 - The core viewpoint of the articles indicates a significant recovery in fund sales and retention scale in the second quarter of 2022, driven by a rebound in the equity market [1][2][4] - The total retention scale of equity public funds reached 6.34 trillion yuan, an increase of 429.9 billion yuan from the previous quarter, marking a growth rate of over 7% [2][3] - The non-monetary market public fund retention scale reached 8.68 trillion yuan, up 793.9 billion yuan from the previous quarter, reflecting a growth rate of 9.4% [1][3] Group 2 - The concentration effect among leading institutions has strengthened, with the top eight institutions maintaining their rankings and all showing positive growth in retention scale [2][3] - Bank distribution channels continue to lead in retention scale, with 26 banks among the top 100 institutions for equity public funds, holding a total of 3.47 trillion yuan, a 7% increase [3][4] - The growth in retention scale for state-owned banks was driven by the issuance of interbank certificate index funds, which totaled 161.8 billion yuan [4][5] Group 3 - Securities firms also demonstrated impressive growth in public fund retention scale, with a total of 12.398 trillion yuan for equity public funds, reflecting a 9.1% increase [5][6] - Among the top ten securities firms, CITIC Securities and Dongfang Securities showed significant growth rates of 22% and 19%, respectively [5][6] - The trend of traditional securities investors shifting towards wealth management is evident, indicating a potential for continued growth in the securities firms' retention scale [6]

作为中间业务的一类，基金代销业务为银行贡献了可观的非息收入。《证券日报》记者对银行2021 年年报梳理后发现，尽管部分银行2021年基金销量略有下降，但基金代销收入依然是银行财富管理手续 费收入的中坚力量。从保有量方面来看，银行稳居基金代销渠道的"C位"。例如，工行、招行2021年基 金销量虽然略有下降，但均超过6000亿元，且代销基金的保有量在业内处于领先地位。农行2021年基金 销量为3444.48亿元，同比增长233.65亿元。 银行仍是基金代销核心渠道 二季度，A股市场逐步回暖，基金销售市场随之升温，银行代销基金的活跃度也有所提升。一方 面，部分基金由于业绩表现亮眼，成为投资者申购的"抢手货"；另一方面，部分银行推出基金申购费率 一折优惠活动，也吸引了大量投资者的参与。 中国证券投资基金业协会（以下简称"中基协"）近日披露的2022年二季度基金销售机构公募基金销 售保有规模数据显示，在基金代销队伍中，银行的头部效应凸显。 银行基金销售情况平稳 近期，部分银行推出基金定投享受费率1折的优惠。例如，建设银行官网公布的消息显示，2022年6 月17日起至12月31日(截至当日法定交易时间)，投资者通过该行手 ...

对此，秦农银行首席研究员、复旦大学金融研究院兼职研究员董希淼表示，对银行理财公司和已经 成立理财公司的商业银行而言，拓展理财产品代销业务，一方面可以增加理财业务收入，提高中间业务 收入占比；另一方面可以丰富理财产品体系，满足客户多元化资产配置的需求。 "近年来，银行加大向实体经济减费让利，中间业务收入增长压力很大，开展理财产品代销业务可 以减缓中间业务收入下降的压力，同时还可以让客户在购买理财产品方面有更多选择，进一步提升对客 户的吸引力。"董希淼表示。 中金公司分析师王子瑜认为，部分深耕财富管理业务的商业银行积极引入外部资管机构资管产品， 可以为财富管理客户提供更全面、更优质的资产配置服务；同时，引入外部资管产品有望激励理财公司 推进能力建设。 招行首次代销光大养老理财，额度仅10亿元。"日前，招行客户经理向中国证券报记者推介其他银 行理财公司的产品。 随着理财产品销售的"围墙"逐步被打破，代销业务发展得如火如荼。记者梳理上市银行半年报发 现，多家银行的理财代销收入大幅提升。业内人士认为，在净值化管理的新阶段，拓展代销业务能减缓 中间业务收入下降的压力，有望成为未来银行发力的重要方面。 代销理财产品收入增幅 ...

Group 1: Overall Performance of Listed Banks - Multiple A-share listed banks reported strong performance for 2022, with net profit growth exceeding 25% for several banks, including Ping An Bank, Changshu Bank, Wuxi Bank, and Zhangjiagang Bank [1] - The profitability of banks is driven by improved asset quality and declining credit costs, indicating potential for sustained high growth in the coming years [1] Group 2: Specific Bank Performance - China Merchants Bank ("CMB") achieved a revenue of 344.78 billion yuan, a year-on-year increase of 4.08%, and a net profit of 138.01 billion yuan, up 15.08% [2] - CMB's total assets surpassed 1 trillion yuan for the first time, reaching approximately 10.14 trillion yuan, a growth of 9.6% from the previous year [2] - Ping An Bank reported a revenue of 179.90 billion yuan, a 6.2% increase, and a net profit of 45.52 billion yuan, up 25.3% [3] - Changshu Bank's revenue was 8.81 billion yuan, with a net profit of 2.74 billion yuan, reflecting a 15.06% and 25.41% increase, respectively [4] - Wuxi Bank achieved a total revenue of 4.48 billion yuan and a net profit of 2.00 billion yuan, with increases of 3.04% and 26.65% [4] Group 3: Asset Quality and Risk Management - CMB's non-performing loan (NPL) ratio slightly increased to 0.96%, while its provision coverage ratio decreased to 450.79% [2] - Ping An Bank's NPL ratio rose to 1.05%, with a provision coverage ratio of 290.28% [3] - Both Changshu Bank and Wuxi Bank maintained NPL ratios of 0.81%, with strong provision coverage ratios exceeding 530% [5] Group 4: Market Outlook and Valuation - The stock prices of banks that reported positive earnings have seen recovery, with CMB's market capitalization exceeding 1 trillion yuan [6] - Analysts expect significant valuation recovery for quality banks, particularly as real estate risks are resolved [6] - There is a positive outlook for regional banks with strong operational capabilities and high growth in revenue and net profit, alongside favorable asset quality metrics [6]

Core Viewpoint - The report from the China Securities Investment Fund Industry Association indicates a general decline in the fund sales institutions' public fund holding scale in Q4 2022, with brokerages showing significant improvement and entering the top ten for the first time, highlighting a trend of industry consolidation and competition among fund sales institutions [1][5][7]. Fund Holding Scale Changes - The total holding scale of "stock + mixed public funds" reached 56.525 trillion yuan in Q4 2022, down 0.95% from Q3 2022, while the "non-monetary market public fund holding scale" was 80.079 trillion yuan, down 4.16% [2]. - The decline in non-monetary fund holding scale is attributed to a shift in investor risk preferences, with some investors moving towards equity products while others opted for more stable cash management products due to bond market volatility [2]. Ranking of Fund Sales Institutions - The top three institutions for stock and mixed fund holding scale were招商银行 (China Merchants Bank), 蚂蚁基金 (Ant Fund), and 天天基金 (Tiantian Fund), with holding scales of 620.4 billion yuan, 571.2 billion yuan, and 465.7 billion yuan respectively, all showing a decrease from Q3 2022 [2][3]. - Two brokerage firms, 中信证券 (CITIC Securities) and 华泰证券 (Huatai Securities), entered the top ten for the first time, ranking eighth and ninth with holding scales of 141.7 billion yuan and 122.6 billion yuan, respectively [3]. Market Share and Competition - Brokerages accounted for 53 out of the top 100 fund sales institutions, maintaining the highest proportion, while bank-affiliated institutions decreased to 26 [5]. - In Q4 2022, the market share of brokerages in stock and mixed fund sales was 22.24%, up from 20.47% in Q3 2022, while bank-affiliated institutions saw a decline to 51.07% from 53.77% [6]. - The non-monetary market also showed growth for brokerages, with their market share increasing to 17.95% from 16.39% in Q3 2022 [6]. Industry Trends - The report highlights a significant "Matthew Effect" in the fund sales industry, with the top ten institutions holding 58.37% of the total scale for stock and mixed funds and 58.91% for non-monetary funds, indicating a strong competitive advantage for leading firms [7]. - The industry is experiencing a consolidation trend, with many smaller fund sales institutions exiting the market due to regulatory pressures, while larger firms continue to expand their scale [7].

2023年银行春招已全面拉开帷幕。从多家银行近日发布的招聘公告不难看出，金融科技复合型人才 依然是银行机构争抢的"香饽饽"；同时，银行纷纷对人工智能相关技术人才抛出"橄榄枝"。 "以ChatGPT为代表的AIGC（利用人工智能技术生成内容）持续推高AI相关人才热度。"高端人才 猎寻机构CGL数字金融合伙人钱晗表示。目前云计算、大数据、AI、隐私计算、算法等领域的科技人 才是金融机构争夺的重要方向，其中对AI领域人才的需求更大。 梳理发现，目前已有交通银行、招商银行、上海银行、宁波银行等超10家银行最新发布了招聘公 告。与往年相比，今年部分银行还设置了特殊人才招聘专场。例如，兴业银行发布的招聘公告显示，招 聘总行管理培训生，包括FinTech（金融科技）方向业务类及FinTech方向科技类；三湘银行在校招中推 出了金融科技人工智能方向储备生计划，旨在培养银行业优秀的金融科技专家型人才，职位方向包括运 维开发、数据分析等。 或许也基于近期ChatGPT的大火，多家银行在招聘公告中特别注明了对人工智能相关技术人才的需 求。比如，交通银行在其IT系统管理岗位招聘公告中表示，该岗位工作内容之一是负责协助跟踪大数 据、人 ...

8月7日，招商银行在深举办"财富启新程 湾区共潮生——2025财富合作伙伴论坛"，头部基金、理财、 保险、私募、信托机构齐聚粤港澳大湾区，共商大财富管理高质量发展新征程。 目前，粤港澳大湾区经济总量已达14.8万亿元人民币，比肩全球三大湾区。招商银行行长王良在论坛致 辞时表示，中国财富资管已经迈入了全球化发展的新阶段，要充分依托粤港澳大湾区的区位优势，依托 香港"超级联系人""超级增值人"的角色功能，积极融入全球财富资管市场，服务客户财富保值增值。招 行愿与所有合作伙伴相互支持、携手并进，共同推动大财富管理高质量发展。 招行成立38年以来，不断发展壮大，综合实力不断增强，在英国《银行家》刚刚公布的全球银行1000强 榜单中，按一级资本排名，招行位列第8位。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）规模超过16万亿元，资产托管规模超过24万亿元，资产管理规模近4.5万亿元，在财富 资管的"长坡厚雪"上跑出了加速度。 此外，招商银行在会上宣布，其零售代销保险总规模已突破1万亿元人民币大关。 把握"五大变化"，推动大财富管理高质量发展 当前，我国大财富管理行业面临新趋势、新变化、新机遇。 ...

两融数据显示，该股最新融资余额为64.78亿元，近5日增加4887.26万元，增幅为0.76%。（数据宝） 8月11日招商银行大宗交易一览 | 成交量 | 成交金 | 成交价 | 相对当日收 | | | | --- | --- | --- | --- | --- | --- | | （万 | 额（万 | 格 | 盘折溢价 | 买方营业部 | 卖方营业部 | | 股） | 元） | （元） | （%） | | | | 37.42 | 1650.22 | 44.10 | 0.00 | 国泰海通证券股份有限公司深 圳深南大道京基一百证券营业 | 瑞银证券有限责任公司上 海花园石桥路证券营业部 | | | | | | 部 | | 招商银行8月11日大宗交易平台出现一笔成交，成交量37.42万股，成交金额1650.22万元，大宗交易成交 价为44.10元。该笔交易的买方营业部为国泰海通证券股份有限公司深圳深南大道京基一百证券营业 部，卖方营业部为瑞银证券有限责任公司上海花园石桥路证券营业部。 进一步统计，近3个月内该股累计发生11笔大宗交易，合计成交金额为7.98亿元。 证券时报·数据宝统计显示，招商银行今日收盘价为4 ...

银行跑马圈地的时代已经过去。多位银行业内人士告诉贝壳财经记者，减少信用卡权益是银行管控成本的方式之 一。与原先"比谁权益多"相比，如今银行信用卡则是"比谁权益降得少"。信用卡从高速发展阶段进入高质量发展 阶段，倒逼着机构调整权益配置和营销模式，进一步加强精细化管理。 优惠活动吸引力减弱 民生、招商、光大、汇丰银行等信用卡权益再降 "我今年已经注销两张信用卡了。"家住天津的李小微（化名）是资深的信用卡用户。她告诉贝壳财经记者，这两 张信用卡由于有各类优惠活动，都是她的此前常用卡。但如今她明显感觉到各类权益缩水，优惠力度也越来越 小。 今年以来，银行信用卡权益一降再降，银行信用卡的"羊毛"越来越难"薅"。 今年以来，银行信用卡权益出现了大面积缩水，部分卡片优惠活动吸引力也有所减弱。 "我之前用得最多的是中信银行（601998）信用卡，但今年该行信用卡的优惠力度也越来越小。"李小微告诉贝壳 财经记者，她所持有的卡片之前每月消费够9次，就可使用9个积分兑奶茶或者特定平台的视频会员等。去年这些 权益需要当月消费满1999元才有资格换取，而今年当月消费1999元只可兑换指定茶饮"减5元"的消费券。而过去消 费9次即可获取 ...