格隆汇10月16日丨兴业银行(601166.SH)公布，2020年10月，兴业银行股份有限公司（以下简称本公 司）发行"兴业银行股份有限公司2020年无固定期限资本债券"（以下简称本期债券），发行规模为人民 币300亿元，根据本期债券募集说明书相关条款的规定，本期债券设有发行人有条件赎回权，本公司有 权于本期债券第5年付息日，即2025年10月15日全部或部分赎回本期债券。 本公司已收到国家金融监督管理总局答复，对赎回本期债券表示无异议。截至本公告日，本公司已行使 赎回权，全额赎回本期债券。 ...

Core Viewpoint - Industrial Bank Co., Ltd. has fully redeemed its perpetual capital bonds issued in October 2020, amounting to RMB 30 billion, following the approval from the National Financial Regulatory Administration [1] Group 1 - The company issued "Industrial Bank Co., Ltd. 2020 Perpetual Capital Bonds" with a total issuance size of RMB 30 billion in October 2020 [1] - The bonds include a conditional redemption right for the issuer, allowing the company to redeem the bonds in full or in part on the fifth anniversary of the interest payment date, which is October 15, 2025 [1] - The company has exercised its redemption right and fully redeemed the bonds as of the announcement date [1]

证券之星消息，10月16日股份制银行板块较上一交易日上涨1.29%，中信银行领涨。当日上证指数报收 于3916.23，上涨0.1%。深证成指报收于13086.41，下跌0.25%。股份制银行板块个股涨跌见下表： 从资金流向上来看，当日股份制银行板块主力资金净流出2.4亿元，游资资金净流出1783.73万元，散户 资金净流入2.58亿元。股份制银行板块个股资金流向见下表： 以上内容为证券之星据公开信息整理，由AI算法生成（网信算备310104345710301240019号），不构成投资建议。 | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 601998 | 中信银行 | 7.84 | 3.84% | 122.57万 | 9.471Z | | 000001 | 平安银行 | 11.54 | 1.23% | 126.19万 | 14.48 Z | | 600000 | 浦发银行 | 13.32 | 1.14% | 99.84万 | 13.29亿 | | 600036 | 招商银行 | 41.93 | ...

Investment Rating - The report maintains an "Overweight" rating for the banking sector, indicating a positive outlook for the industry compared to the overall market performance [3][25]. Core Insights - The financial data for September 2025 shows a decrease in new social financing (社融) by 335.2 billion year-on-year, with a total of 7.23 trillion added in the third quarter, reflecting a slowdown in credit demand [3][5]. - M1 growth reached 7.2% year-on-year, the highest since March 2021, suggesting increased business activity, while M2 growth was 8.4%, indicating a slight decline [4][8]. - The shift from "scale priority" to "efficiency-oriented" lending is a clear trend in the industry, with banks focusing on quality over quantity in their loan portfolios [4][3]. Summary by Sections Financial Data Overview - In September 2025, new loans totaled 1.29 trillion, a decrease of 300 billion year-on-year, with the total for the first nine months at 14.75 trillion, down 1.27 trillion from the previous year [4][3]. - The M1-M2 spread narrowed to -1.2 percentage points, the lowest since 2021, driven by increased liquidity in both corporate and personal deposits [4][8]. Loan Dynamics - Corporate loans saw an increase of 1.62 trillion in September, with short-term loans contributing significantly to this growth [4][3]. - Residential loans remained stable, but short-term loans showed a notable decrease, indicating weak demand for leverage among consumers [4][18]. Social Financing and Government Bonds - The contribution of government bonds to social financing turned negative, with a significant drop in new government bonds issued in September, totaling approximately 1.2 trillion, down 347.1 billion year-on-year [4][3]. - The overall social financing growth rate was 8.7% year-on-year, but this reflects a slowdown compared to previous periods [5][7]. Investment Recommendations - The report suggests a focus on leading banks and quality regional commercial banks, highlighting the potential for value recovery in the banking sector [4][20]. - The current dividend yield for the banking sector has returned to an attractive range, supporting the outlook for stable earnings growth [4][20].

2025可持续全球领导者大会于10月16日-18日在上海市黄浦区世博园区召开。兴业银行行长陈信健出席 大会并表示，可持续金融发展是一场关乎未来的长征，需要全社会通力合作、共谱新篇章。陈信健指 出，当前，尽管有些国家退出《巴黎协定》，但全球范围内的气候行动仍在继续推进，尤其是我国在今 年9月的联合国气候变化峰会上宣布了2035年"1+3+3"的NDC（国家自主贡献）目标，打破了"碳达 峰"后将经历较长"平台期"的历史认知，体现了大国担当，为可持续金融发展提供了新的历史机遇。陈 信健强调，新阶段的可持续金融，应把服务低碳转型作为着力点，推动全社会形成同题共答的强大力 量。 ...

中新网四川新闻10月14日电 2024年，兴业银行携手中国银联、成都大熊猫繁育研究基地联名先后重磅 推出"百变熊猫基地和花信用卡/借记卡"，凭借独特的"花花"IP设计收获了来自全国"护花使者"们的喜爱 和追捧，"花花卡"贴近民生消费的权益和服务也获得了广泛的市场认可与用户好评。近日，为积极响应 居民群众日益增长的健康生活需求，兴业银行成都分行紧跟总行"爱跑卡"运动健康布局，打造健康运动 消费生态闭环，联合"和花IP"及特步，全新推出"花花爱跑卡"，让可爱"熊猫果赖"引领健康生活方式。 "花花爱跑卡"海报。兴业银行成都分行供图 作为国内绿色金融先行者，兴业银行积极践行可持续发展理念，为了全面助力低碳出行，本次"花花爱 跑卡"特别设置每月跑步卡路里兑积分专属活动，刷卡可获跑步卡路里1:1等效积分兑换日用好物，同时 定期组织持卡客户开展市域专属马拉松赛事战队赛，异地出行持卡用户绑定携程APP支付机票酒店还可 立享消费满减，将金融服务与绿色生活紧密捆绑。(完) 作为"花花"系列卡片的延伸产品，本次推出的兴业银行"花花爱跑卡"进一步延续经典IP设计：可爱的花 花与青春洋溢的乐跑者在"橙意满满"的背景下共同迈开步伐，奔赴 ...

Core Insights - International gold prices have surpassed $4,200 per ounce, marking the strongest surge in nearly 46 years, prompting domestic banks in China to enhance risk control measures for gold investment [1][2] - Major Chinese banks, including Bank of China, Industrial and Commercial Bank of China, Ningbo Bank, and Industrial Bank, have raised the minimum investment amounts for gold accumulation products, with thresholds generally exceeding 1,000 yuan [1] Group 1: Bank Adjustments - Industrial and Commercial Bank of China increased the minimum investment for its gold accumulation business from 850 yuan to 1,000 yuan, the highest among state-owned banks [1] - Bank of China raised its minimum purchase amount from 850 yuan to 950 yuan, maintaining a flexible additional purchase amount of 200 yuan [1] - Both Ningbo Bank and Industrial Bank have set their minimum investment at 1,000 yuan, with Industrial Bank indicating potential future adjustments due to international macroeconomic and geopolitical factors [1] Group 2: Market Dynamics - This is not the first adjustment of the year; for instance, the minimum investment for Industrial and Commercial Bank's gold accumulation has increased by 53.8% from 650 yuan at the beginning of the year [2] - The gold market is characterized by high volatility and significant price increases, with international gold prices rising over 57% since 2025, the best performance since 1979 [2] - Domestic gold prices have also surged, with notable increases in retail prices for gold jewelry, such as Chow Tai Fook and Lao Feng Xiang [2] Group 3: Risk Factors - The recent surge in gold prices has been accompanied by significant fluctuations, with international gold prices experiencing a rise of over $300 within ten days and daily volatility exceeding 2% [2] - The Shanghai Gold Exchange has issued risk warnings twice in October, advising investors to trade rationally due to the heightened market risks [2]

Core Viewpoint - The recent short-term market fluctuations do not alter the long-term bullish trend of the stock market, with dividend and technology assets expected to yield excess returns over time [1] Group 1: Market Trends - The long-term investment strategy emphasizes a barbell approach, combining dividend and technology assets, which are anticipated to benefit from increased equity market allocation by residents [1] - The Shanghai Stock Exchange 180 Index (000010) is structured with a 90% allocation to dividend assets and 10% to technology assets, making it a suitable choice for equity market investment [1] Group 2: Performance Data - As of October 16, 2025, the Shanghai Stock Exchange 180 Index rose by 0.45%, with notable increases in constituent stocks such as China Life (601628) up 4.37% and Zhaoyi Innovation (603986) up 4.17% [1] - The Shanghai 180 ETF Index Fund (530280) increased by 0.33%, with a current price of 1.23 yuan, and has shown a cumulative increase of 1.57% for the month as of October 15, 2025, ranking 1st among comparable funds [1] Group 3: Index Composition - The Shanghai 180 Index includes 180 large-cap, liquid stocks from the Shanghai market, with the top ten weighted stocks accounting for 26.75% of the index [2] - The top ten stocks by weight include Kweichow Moutai (600519), Zijin Mining (601899), and China Ping An (601318), among others [2][4]

Investment Rating - The industry investment rating is "Positive" (maintained) [1] Core Viewpoints - The banking sector is experiencing a shift towards "wealthization" of deposits, indicating a change in customer behavior and banking operations [9] - The report highlights a divergence in bank operations, with some banks benefiting from enhanced funding attributes while others struggle [8] - The overall sentiment in the banking sector is improving, with dividend yields becoming attractive again after a period of adjustment [9] Summary by Sections Financial Data Analysis - In September, M1 growth was 7.2%, up 1.2 percentage points from the previous month, while M2 growth decreased to 8.4%, down 0.4 percentage points [5] - Social financing (社融) increased by 3.53 trillion yuan in September, with a year-on-year decrease of 229.7 billion yuan, resulting in a stock growth rate of 8.7% [6] - New RMB loans in September amounted to 1.29 trillion yuan, a year-on-year decrease of 300 billion yuan, with a balance growth rate of 6.6% [7] Banking Sector Insights - The report indicates that banks are focusing on a "quantity-price balance" in credit issuance, with a continued trend towards the "wealthization" of deposits [8] - The contribution of funding business to revenue has increased for most state-owned banks, except for Industrial and Commercial Bank of China [23] - The report suggests that banks with a more market-oriented approach and comprehensive licenses will have a competitive advantage in the evolving landscape [8] Investment Recommendations - The report recommends focusing on banks that are well-positioned to benefit from the wealthization of deposits, highlighting specific banks such as China Merchants Bank and Industrial Bank [9] - It emphasizes the attractiveness of H-shares over A-shares in terms of value [9]

受访人士表示，商业银行此次集中调整黄金积存业务门槛、密集释放风险提示，核心动因在于当前黄金 价格波动幅度加大、投资风险显著上升。这一系列举措既是为投资者敲响风险警钟，也能引导其结合自 身情况合理配置黄金资产，避免盲目入场。 购买起点提高至1000元 10月14日，中国银行发布公告称，将于10月15日起调整积存金产品的购买条件：按金额购买积存金产品 或创建积存定投计划时，最小购买金额由850元调整为950元，追加购买金额维持200元整数倍不变。 本报记者 彭妍 10月份以来，国际金价仍持续攀升，在市场风险加剧的背景下，多家银行近期密集调整个人贵金属业务 规则：一方面集中上调黄金积存业务起购门槛，部分银行已将起购门槛提升至1000元；另一方面同步发 布风险提示，引导投资者警惕贵金属价格波动可能带来的投资风险。 警惕技术面回调压力 进入10月份，国际金价延续9月涨势。伦敦现货黄金价格呈阶梯式突破，截至北京时间10月15日记者发 稿，伦敦现货黄金报价达4200.21美元/盎司，短期内连续刷新阶段新高。 对于金价持续上涨的原因，中信证券首席经济学家明明在接受《证券日报》记者采访时表示，美国长期 高通胀与其财政持续扩张的 ...