炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ "最近股市表现不错，有挺多人来银行网点咨询证券账户开户。我们有推荐码，扫码就能开通证券账 户，账户直接绑定我行银行卡，再为客户介绍专属的券商客户经理。券商客户经理更专业些，费率也比 自己在线上开户低一些。"8月12日，中国银行北京西城区某支行客户经理张薇告诉中国证券报记者。 记者走访北京地区多家银行网点发现，银行正加强与券商合作，以抽奖、发放现金红包等方式为"证券 账户开户引流"，并大力推广7*24小时银证转账等业务。 银行人士告诉记者，加强银证合作对银行及券商均有益处。于券商而言，银行庞大的客户基数为券商提 供了高效的获客渠道；于银行而言，客户在证券账户投资的同时，若资金回流至银行账户，也为银行提 供了低成本存款，同时为银行其他业务创造了交叉销售的可能性。 银行为证券账户开户"引流" 图片来源：招商银行手 在张薇的介绍下，记者联系到中银证券的小管。小管向记者介绍，客户在证券公司开户时首次绑定中国 银行借记卡，成功签约第三方存管服务，可参与一次抽奖，最高可抽取188元支付宝红包权益。 招商银行北京分行客户经理小于也向记者推荐了该行证券账 ...

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。 ...

三部门印发《个人消费贷款财政贴息政策实施方案》。 8月12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》 （以下简称《方案》），明确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。 《方案》明确，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（详见附件1）。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 支持范围。 贴息标准方面，《方案》明确，年贴息比例为1个百分点（按符合条件的实际用于消费的个人消费 贷款本金计算），且最高不超过贷款合同利率的50%，中央财政、省级财政分别承担贴息资金的90%、 10%。贷款合同利率需要符合相应利率自律约定。政策执行期内，每名借款人在一家贷款经办机构可享 受的全部个人消费贷款累计贴息上限为3000元（对应符合条件的累计消费金额30 ...

[Table_ReportInfo] 相关报告： 《政策发酵，关注医药行业机会》 | ——2025 年 07 月 28 日 | | --- | | 《市场政策发力，行业主力资金改善》 | | ——2025 年 07 月 13 日 | | 《多政策提振消费，主力资金继续流入金 | | 融板块》 | ——2025 年 07 月 06 日 关注医药创新板块及后续政策落地表现 ——金融工程周报 [日期Table_Industry] : shzqdatemark 2025年08月12日 [Table_Author] 分析师: 韦磊 | Tel: | 021 53686044 | | --- | --- | | E-mail: | weilei03665@shzq.com | | SAC 编号: | S0870525030003 | [◼Table_Summary] 主要观点 行业政策更新： 行业主力资金统计： 模型对过去一段时间每日交易单中大于等于 10 万股或者金额大 于等于 20 万元的成交金额的交易单作为主力资金流动进行统计。 ➢ 行业 5 日主力资金净流入前五：银行、纺织服饰、有色金属、综 合、交通运输。 上述 ...

Group 1 - The banking industry is experiencing a new wave of competition for fintech talent, particularly in artificial intelligence, as banks initiate recruitment for the 2026 campus hiring season [1][3] - Major banks, including Bank of Communications and China Merchants Bank, are actively seeking AI algorithm engineers and other tech roles, emphasizing the importance of skills in AI and data analysis [1][3] - The demand for AI and big model talent in the banking sector is expected to surge, with a shift from traditional internet and programming skills to a focus on AI and data analytics [7] Group 2 - Shanghai Rural Commercial Bank has also launched its recruitment for fintech talent, targeting various roles in software development and AI, indicating a broader trend among banks to attract tech-savvy graduates [4] - China Construction Bank has introduced a summer internship program specifically for fintech positions, offering incentives for outstanding interns to secure job offers [4][6] - The competitive landscape for fintech talent is intensifying, with banks recognizing that the ability to leverage AI tools is crucial for maintaining a competitive edge in the industry [7]

【 点击图片查看部分精彩回放】 8月7日 新浪财经"金融一线" 消息，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。 上海重阳投资管理股份有限公司董事长王庆出席论坛并发表主题演讲，他表示，一个成熟的资管市场会对不同的收益层次、不同的投资策略带来的不同投资体验 给予不同的定价，只要定价准确，潜在需求就会释放。近年来，我国资管市场在逐渐走向成熟，经过2021年以来市场熊市的锤炼，主观多头策略已经开始进入高 质量发展阶段，开始更专注于赚取相对稳定的Alpha收益。重阳投资采用的具体解决方案是投决会领导下的多基金经理共管模式。 文字实录 私募基金正在进入高质量发展阶段 尊敬的王良行长、王颖副行长，尊敬的各位嘉宾，大家下午好！ 今天我想学学老外先讲一个故事。今天作为私募代表站在这里，一个很重要的原因是招商银行在全国范围内代销的第一款私募产品就是我们重阳担任投顾的产 品。它成立于2009年9月*日，换句话说，还有不到1个月，它在招商银行架上就运行整16年了。这个产品的最新净值是在历史最高点附近，它的规模也挺大，处 ...

每经AI快讯，中信证券研报指出，上周我们判断资金波动和风格影响已经告一段落，银行板块重新步 入上行趋势。实际表现看，银行股整体企稳上行，具备转债催化和业绩催化的公司表现良好。8月以来 进入银行中报季，预计银行息差好于预期，资产质量数据平稳，盈利增速恢复，有助投资逻辑继续演 绎。我们认为，银行板块仍在经历重估净资产过程，资金配置板块需求仍有较大空间，预计绝对收益行 情继续演绎。 ...

Investment Rating - The report maintains a positive outlook on the banking sector, indicating that insurance funds are expected to continue allocating to high-dividend, high ROE bank stocks, establishing a solid and sustainable funding base for a long-term bullish trend in the banking sector [3][4]. Core Insights - The report emphasizes the necessity for insurance companies to invest in high-dividend assets due to the low interest rate environment and asset scarcity, making bank stocks an attractive option [4]. - It highlights that the banking sector has shown stable performance with an average ROE of approximately 12% from Q1 2015 to Q1 2025, which is significantly higher than the average of non-financial listed companies [4][8]. - The report suggests that insurance funds are currently under-allocated in bank stocks, with a potential increase in allocation that could lead to an influx of over 330 billion yuan into the banking sector [4][16]. Summary by Sections Why Invest - The low interest rate environment and asset scarcity compel insurance companies to seek stable, high-dividend investments, with bank stocks meeting these criteria [4][6]. Current Allocation - As of Q1 2025, insurance funds have over 7 trillion yuan allocated to equities, with approximately 570 billion yuan in bank stocks, indicating a low allocation compared to other indices [4][10]. Future Potential - The report estimates that insurance funds could potentially allocate an additional 330 billion yuan to bank stocks, based on the upper limits of equity allocation [16]. Investment Recommendations - The report recommends focusing on high-quality city commercial banks and undervalued joint-stock banks, suggesting specific banks such as Chongqing Bank and Industrial Bank for investment [4][17].

Core Viewpoint - The 2025 China Brand Festival has commenced in Shenzhen, with the Futian District leveraging this opportunity to explore new avenues for brand development and construction through economic discussions with potential investors [1][3]. Group 1: Economic and Brand Development - Futian District, as a key economic area, occupies 4% of Shenzhen's land but contributes over 16% of the city's total economic output, showcasing its high productivity and brand growth potential [3][4]. - The district hosts nearly 60% of Shenzhen's licensed financial institutions and one-third of municipal headquarters, indicating a strong concentration of economic resources [3][4]. - The theme of this year's brand festival, "AI and Going Global," aligns well with Futian's industrial layout, aiming to connect domestic and international brand resources to foster innovation [3][4]. Group 2: Industry Focus and Support - Futian District is developing an "8+3" industrial cluster, focusing on three major industries: technology innovation, finance, and fashion, supported by new development engines [4][5]. - The district provides comprehensive support for enterprises, particularly in facilitating their international expansion through a one-stop service platform that includes policy consultation and resource matching [4][5]. - The technology sector in Futian has seen the emergence of over 1,600 national high-tech enterprises, with significant contributions from companies like Honor and Huawei Digital Energy [5][6]. Group 3: Brand Ecosystem - The financial sector in Futian is robust, with major companies like Ping An and China Merchants Bank establishing their headquarters in the area, which houses nearly 70% of the city's financial technology firms [5][6]. - The fashion consumption sector is thriving, with Futian leading in the "first store economy," having introduced over 330 city-first stores in the past three years, making it a hotspot for brand innovation [5][6].

Group 1 - The total cash dividends of A-share listed companies in 2024 reached 2.4 trillion yuan, an increase of 9% compared to 2023, marking a new historical high for overall dividend levels [1] - The top ten companies in the 2025 cash dividend ranking include six financial institutions: Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, Bank of China, China Merchants Bank, and Ping An Insurance, along with three energy state-owned enterprises: China Petroleum, China Shenhua, and China Petroleum & Chemical Corporation, and one liquor company: Kweichow Moutai [1] Group 2 - The number of companies with continuous cash dividends has been increasing year by year, with 2,447 out of 4,445 A-share listed companies that have been listed for over three years having continuous dividends, a 12% increase from 2023 [2] - Among the 3,569 A-share listed companies that have been listed for over five years, 1,681 have had continuous dividends over the past five years, a 6% increase from 2023, with 210 companies showing continuous growth in dividends [2] - The increasing trend in cash dividends reflects the growing internal drive of listed companies to distribute dividends, creating predictable cash flow returns for investors and promoting higher quality development in the capital market [2]