（来源：青岛金融） 近日，兴业银行青岛分行凭借其创新的"基于大数据与人工智能的科技金融E贷项目"，在第四届青岛数 字金融创新大赛中脱颖而出，荣获"金融科技优秀项目"二等奖。这已是兴业银行青岛分行连续第四年在 该项赛事中荣获奖项，展现了其在金融科技领域的深厚积淀与持续创新力。 本届青岛数字金融创新大赛由中国人民银行青岛市分行、中共青岛市委金融委员会办公室、青岛金家岭 金融聚集区管理委员会联合举办，以"数领金融浪潮 智汇财富青岛"为主题。此次获奖，不仅彰显了业 界对兴业银行青岛分行在科技金融领域创新成果的充分肯定，也体现了其在运用数字技术破解中小微科 技企业融资难题、服务实体经济发展方面的引领作用。 据悉，"科技金融E贷"项目深度融合大数据、机器学习等前沿技术，通过对接本地征信数据、整合行内 外多源信息，构建了服务于科技企业的基础数据池。项目负责人表示，"我们打破了传统银行依赖财务 报表和抵押物的风控模式，构建了涵盖5个维度、14个一级指标的多维评价体系，更精准地识别企业的 创新价值。基于总行数据服务能力，结合'技术流'评价体系，依托精选指标评价体系这一核心支撑，通 过智能模型的持续训练与优化，显著提升对企业科创 ...

Group 1 - The banking sector saw a slight increase of 0.46% on February 2, with CITIC Bank leading the gains [1] - The Shanghai Composite Index closed at 4015.75, down 2.48%, while the Shenzhen Component Index closed at 13824.35, down 2.69% [1] - CITIC Bank's stock price rose by 2.64% to 7.38, with a trading volume of 1.1463 million shares and a transaction value of 845 million yuan [1] Group 2 - The net inflow of main funds in the banking sector was 162 million yuan, while retail funds saw a net inflow of approximately 89.95 million yuan [1] - CITIC Bank had a net inflow of 72.32 million yuan from main funds, but a net outflow of 18.99 million yuan from retail funds [1] - Minsheng Bank experienced a net inflow of 65.07 million yuan from main funds, with a net outflow of 30.58 million yuan from retail funds [1]

Core Insights - The report focuses on the performance of pure fixed-income products issued by wealth management companies, highlighting the best-performing products available for sale through various distribution channels [1][4] Group 1: Product Performance - The ranking of products is based on their annualized returns over the past month, three months, and six months, with a particular emphasis on the three-month annualized yield to reflect their performance amid recent market fluctuations [1] - A total of 28 distribution institutions are involved, including major banks such as Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, and others [1] Group 2: Product Availability - The list of products is categorized as "available for sale," but actual availability may vary due to factors such as sold-out quotas or differences in product listings shown to different customers by banks [1] - Investors are advised to refer to the actual displays on the distribution bank's app for the most accurate information regarding product availability [1] Group 3: Data Source - The data presented in the report is sourced from the Nanfang Financial Terminal and Nanfang Wealth Management, with statistics as of January 30 [3][5]

2月2日金融一线消息，兴业银行日前发布《2025年半年度A股权益分派实施公告》，A股每股现金红利 人民币0.565元（含税），除权（息）日为2月6日。 此外，因实施 2025 年度 A 股中期权益分派，兴业银行的相关证券停复牌情况如下：自 2025 年度 A 股 中期权益分派实施公告前一交易日（2026 年 1 月 30 日）至本次权益分派股权登记日（2026 年 2 月 5 日）期间，"兴业转债"将停止转股。股权登记日后的第一个交易日（2026 年 2 月 6 日）起，"兴业转 债"恢复转股。自2月6日起，"兴业转债"转股价格由21.19元/股调整为20.63元/股。 责任编辑：曹睿潼 2月2日金融一线消息，兴业银行日前发布《2025年半年度A股权益分派实施公告》，A股每股现金红利 人民币0.565元（含税），除权（息）日为2月6日。 此外，因实施 2025 年度 A 股中期权益分派，兴业银行的相关证券停复牌情况如下：自 2025 年度 A 股 中期权益分派实施公告前一交易日（2026 年 1 月 30 日）至本次权益分派股权登记日（2026 年 2 月 5 日）期间，"兴业转债"将停止转股。股权登记日后的 ...

"预见2026：李稻葵开年经济大家谈"于2月2日举行。兴业银行首席经济学家鲁政委表示，在基金投资领 域，投资者能否通过基金在资本市场盈利，核心取决于两大因素：一是基金持有时间，二是合理的预期 收益。 他引用巴菲特的观点强调，年化收益达到6%-7%已属不错水平，超过10%则更为理想。同时，鲁政委也 警示风险，称在中国资本市场，若以指数为参考，任何指数在十年周期内都可能经历超过30%乃至接近 50%的跌幅。若投资者面对如此大幅下跌时无法保持冷静，建议谨慎参与市场。 "预见2026：李稻葵开年经济大家谈"于2月2日举行。兴业银行首席经济学家鲁政委表示，在基金投资领 域，投资者能否通过基金在资本市场盈利，核心取决于两大因素：一是基金持有时间，二是合理的预期 收益。 他引用巴菲特的观点强调，年化收益达到6%-7%已属不错水平，超过10%则更为理想。同时，鲁政委也 警示风险，称在中国资本市场，若以指数为参考，任何指数在十年周期内都可能经历超过30%乃至接近 50%的跌幅。若投资者面对如此大幅下跌时无法保持冷静，建议谨慎参与市场。 新浪声明：所有会议实录均为现场速记整理，未经演讲者审阅，新浪网登载此文出于传递更多信息之目 ...

兴业银行首席经济学家鲁政委表示，黄金依然具有趋势性的机会，最重要的一个理由是百年未有之大变 局下，美元储备会在关键时刻被美西方冻结，所以所有的对美国不放心的国家，现在大家唯一能够达成 共识的就是黄金。"过去有一句俗话叫黄金是上帝发行的货币，在新的储备资产达成共识之前，黄金总 体上依仍然在一个牛市的通道当中。"（睿见） ...

Group 1: Dividend Indices - The Low Volatility Dividend Index (H30269.CSI) includes 50 securities with good liquidity, continuous dividends, moderate payout ratios, positive growth in dividends per share, high dividend yields, and low volatility, with a dividend yield of 4.53% as of January 30 [1] - The Quality Dividend Index (931468.CSI) consists of 50 securities that provide continuous cash dividends, have high payout ratios, and exhibit high profitability, with a dividend yield of 2.88% as of January 30 [1] Group 2: Company Dividend Announcements - Huaxin New Materials announced a cash dividend of 1 yuan per 10 shares (tax included), with a record date of February 5, 2026, and an ex-dividend date of February 6, 2026 [1] - Founder Securities declared a cash dividend of 0.01 yuan per share (tax included), with a record date of February 5, 2026, and an ex-dividend date of February 6, 2026 [2] - Anhui Anfu Battery Technology announced a cash dividend of 0.12 yuan per share (tax included), with a record date of February 5, 2026, and an ex-dividend date of February 6, 2026 [2] - Gujing Gongjiu declared a cash dividend of 10 yuan per 10 shares (tax included), with a record date of February 9, 2026, and an ex-dividend date of February 10, 2026 [2] - Shanghai Laishi announced a cash dividend of 0.153 yuan per 10 shares (tax included), with a record date of February 9, 2026, and an ex-dividend date of February 10, 2026 [3] - Industrial Bank declared a cash dividend of 0.565 yuan per share (tax included), with a record date of February 5, 2026, and an ex-dividend date of February 6, 2026 [3]

【产品亮点】 截至2026年2月2日 13:43，银行ETF天弘(515290)成交4601.80万元。跟踪的中证银行指数(399986)逆市红盘，一度涨超1%， 成分股中信银行上涨2.50%，华夏银行上涨1.74%，上海银行上涨1.73%，光大银行上涨1.20%，青岛银行上涨1.15%。 截至1月30日，银行ETF天弘(515290)近1周规模增长7047.48万元，近1周份额增长3630.00万份，实现显著增长。 从资金净流入方面来看，银行ETF天弘(515290)近3天获得连续资金净流入，近10日净流入累计1.45亿元。 银行ETF天弘(515290)跟踪中证银行指数，成份股囊括A股42家上市银行，近三成仓位布局工商银行、农业银行、交通银行 等国有大行，捕捉"高股息"主题机会；约七成仓位聚焦招商银行、兴业银行、江苏银行等高成长性股份行、城商行、农商 行，是跟踪银行板块整体行情的高效投资工具。 【相关产品】 银行ETF天弘(515290)，对应场外联接基金(A类：001594；C类：001595)。 【热点事件】 华创证券指出，中长期资金入市和公募基金改革的核心逻辑未变，重视银行板块配置机会，银行欠配幅度 ...

本期为银行社交媒体指数（2025年12月）。 本期为银行社交媒体指数（2025年12月）。 12月银行SMI总榜整体变化不大，仅赣州银行（11月Top19）、郑州银行（11月Top20）掉出榜单，长沙银行（Top13）和泰隆银行（Top18）上榜，名单进出 主要为运营质量较为不稳定的中小城商行。 在12月抖音高赞榜中，虽然网商银行的《画100家小店》依靠"肥娟夫妇"的暖心回访继续稳坐头把交椅，但用户的关注重心较11月已出现明显转变，专业陪 伴内容与抽象整活成为12月内容创作的核心方向。 年末市场震荡背景下，投资者情绪普遍焦虑，专业陪伴类内容顺势成为12月最大的流量黑马。招商银行App精准捕捉基民核心痛点，推出《小招说・朋友 说》系列节目，邀请基金经理与财经媒体人组局交流，以"老友对谈"的轻松形式，深度拆解基金挑选方法、固收+与FOF的核心区别等专业内容。该系列连 续更新五期，平均点赞量达到2万左右，表明在市场波动阶段，能切实缓解用户焦虑的专业干货，远比趣味段子更具传播吸引力。同样的逻辑也体现在兴业 银行钱大掌柜上，他们以"红烧肉"为引子，讲解中国生猪繁育产业从全国统一市场到"南繁北育"的格局变迁，这种让专业知 ...

Core Viewpoint - The A-share market's banking sector experienced a counter-trend increase, with several banks showing significant gains despite overall market conditions [1]. Group 1: Stock Performance - CITIC Bank saw an increase of 3.48%, with a total market capitalization of 414 billion [2] - Shanghai Bank increased by 2.49%, with a market cap of 134.6 billion [2] - Huaxia Bank rose by 2.05%, with a market cap of 103 billion [2] - Other banks such as Industrial Bank, Everbright Bank, and Nanjing Bank also reported gains exceeding 1% [1][2] - Agricultural Bank, Industrial and Commercial Bank, and China Merchants Bank had market caps of 2386.9 billion, 2619.6 billion, and 2304.7 billion respectively, with slight increases [2] Group 2: Year-to-Date Performance - Year-to-date performance shows that most banks have negative returns, with CITIC Bank down 3.38% and Shanghai Bank down 6.24% [2] - Notably, Qingdao Bank has a positive year-to-date return of 17.86%, indicating strong performance relative to its peers [2] - Other banks like Agricultural Bank and Industrial Bank have year-to-date declines of 11.20% and 7.31% respectively [2]