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 ...

Core Viewpoint - The banking sector is facing significant challenges in its fund sales business due to increased competition from internet platforms, changing investor behaviors, stricter regulations, and a shift towards quality-driven growth rather than scale-driven growth [1][11]. Group 1: Fund Custody Business - The entry barriers for fund custody qualifications have increased, leading to some small and medium-sized banks withdrawing their applications, with Guangzhou Bank being the latest to do so after over three years of waiting [4][5]. - The new regulatory requirements demand a net asset threshold of 500 billion yuan and a strong market presence, which many smaller banks struggle to meet, resulting in a concentration of custody business among larger financial institutions [5][6][7]. - The top five banks dominate the fund custody market, holding approximately 47.93% of the market share, making it increasingly difficult for smaller institutions to compete [7]. Group 2: Sales Channel Dynamics - The withdrawal of custody applications signals a strategic retreat from high-cost, low-return business models, as many banks are opting to focus on more profitable areas [8]. - There is a noticeable trend of fund companies terminating sales partnerships with smaller banks, indicating a shift towards more rational and concentrated channel strategies [9][10]. - As of mid-2024, the bank channel's share of equity fund holdings has declined from 44.81% to approximately 41.93%, reflecting a broader trend of diminishing influence in the market [9][10]. Group 3: Revenue Growth Challenges - The reliance on traditional revenue models based on scale and licensing is becoming unsustainable, prompting banks to adopt "price for volume" strategies to attract customers [11][12]. - While lowering fees can temporarily boost transaction volumes, it compresses banks' intermediary income, which is primarily derived from subscription fees [12]. - To achieve sustainable growth, banks need to transition from merely selling products to providing comprehensive services, enhancing customer engagement, and developing a robust advisory framework [13].

其中，发行机构有4家，分别是金元证券、万和证券、汇百川基金、鹏安基金；销售机构有2家，分别是兴业银行海口分行、上海浦发银行海口分行。 上证报中国证券网讯（记者 何漪）10月15日，海南证监局发布《海南自由贸易港跨境资产管理试点业务试点机构备案公告》。公告显示，10月14日，金元 证券、万和证券、汇百川基金、鹏安基金、兴业银行海口分行、上海浦发银行海口分行已完成从事海南自由贸易港跨境资产管理试点业务备案。 | 序号 | 试点机构名称 | 备案类型 | 统一社会信用代码 | 备案时间 | | --- | --- | --- | --- | --- | | 1 | 金元证券股份有限公司 | 发行机构 | 91460000742550597A | 2025年10月14日 | | 2 | 万和证券股份有限公司 | 发行机构 | 91460000730071003K | 2025年10月14日 | | 3 | 汇目川童令复锤有限公司 | 发行机构 | 91460100MAA9AHB71M | 2025年10月14日 | | 4 | 鹏安其金管理有限公司 | 发行机构 | 91460000MAD9BE4029 | 2025 ...

在柳州，肉鸭养殖呈现"山区生态放养+平原规模化养殖"的多元布局。某企业主营家禽的生产、孵化及 销售，通过"公司+农户"的合作模式，带动了周边4000家农户从事樱桃谷鸭养殖。兴业银行南宁分行针 对产业情况，专项推出"核心企业授信+供应链金融"综合金融服务方案，为企业及上游种鸭、种蛋、饲 料和兽药等8家供应商提供融资服务，累积发放融资超2.5亿元，精准助力支持家禽养殖产业链发展。 广西坐拥北部湾，海洋资源丰富。北海是我国重要的海产品集散地，冷链企业维系着上游渔民生计和下 游海产品市场稳定。兴业银行南宁分行针对冷链行业"轻资产、周转快"的特点，定制化综合金融服务方 案，通过应收账款融资、存货质押等方式，为北海中海兴冷冻食品有限公司提供流动资金贷款支持，为 广西海产品供应和冷链运输提供了金融保障。在渔获满舱的丰收季，充足的资金让冷链物流高效运转， 将刚上岸的鲜活海产锁鲜运送，稳稳连接起渔民的"丰收篮"与消费者的"鲜味餐桌"。 随着金融与农业深度融合，乡村振兴、农民富裕的美好图景正在神州大地渐次呈现。未来，兴业银行南 宁分行将继续深化"三农"金融服务，创新金融产品，扩大金融服务覆盖面，以更澎湃的金融活水，浇灌 八桂沃野 ...

从资金流向上来看，当日股份制银行板块主力资金净流入1.92亿元，游资资金净流入4288.04万元，散户 资金净流出2.35亿元。股份制银行板块个股资金流向见下表： 证券之星消息，10月15日股份制银行板块较上一交易日上涨0.72%，浦发银行领涨。当日上证指数报收 于3912.21，上涨1.22%。深证成指报收于13118.75，上涨1.73%。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 | 13.17 | 3.13% | 122.63万 | 15.92 Z | | 000001 | 平安银行 | 11.40 | 0.62% | 127.11万 | 14.43亿 | | 600015 | 华夏银行 | 6.78 | 0.59% | 120.30万 | 8.11亿 | | 601818 | 光大银行 | 3.44 | 0.58% | 374.64万 | 12.82亿 | | 600036 | 招商银行 | 41.50 | 0.58% | ...

在河钢集团邯钢老区退城整合的战略背景下，分行向邯钢嘉能钢铁有限公司投放1.365亿元专项贷款， 用于支持其老区搬迁配套的浓盐水零排放处理工程。该项目采用先进的膜浓缩与蒸发结晶技术，通过建 设浓盐水零排放处理试验站及配套设施，从工业废水中高效提取高纯度氯化钠、硫酸钠等可再生资源， 实现废水近零排放，不仅可以显著降低区域水环境污染风险，还可以通过资源化利用产生良好的生态与 经济效益。邯钢嘉能钢铁有限公司财务负责人表示："石家庄分行的这笔贷款对我们来说太关键了！浓 盐水零排放项目不仅解决了老城区搬迁的环保难题，还通过资源回收创造了额外收益。这笔资金不仅降 低了我们的融资成本，更体现了兴业银行对绿色转型的坚定支持，让我们在可持续发展道路上走得更 稳、更有信心！" 绿色发展是高质量发展的底色，绿色金融是赋能绿色发展、助力实现"双碳"目标的重要手段。未来，兴 业银行石家庄分行将坚定不移贯彻国家战略，丰富绿色金融和转型金融产品服务，重点支持清洁能源、 绿色制造、循环经济等重点领域，为河北省经济社会发展全面绿色转型和美丽河北建设提供高质量金融 供给，奋力书写好绿色金融"大文章"。（耿雅婷） 转自：新华财经 为深入贯彻落实中央 ...

自2024年6月与河北老年大学建立深度战略合作以来，兴业银行石家庄分行创新打造"安愉课堂"教学 点，通过开设手机摄影、声乐、太极剑等多元化老年兴趣课程，有效提升养老金融品牌辨识度与社会影 响力。在丰富老年人的精神文化生活的同时，分行还组织一线业务骨干走进老年大学，围绕"防范电信 诈骗""识别非法集资"等主题开展专题宣讲，切实增强老年群体的识诈防诈能力。截至2025年6月 末，"安愉课堂"已累计开展十余期课程，覆盖老年学员超千人次，课堂氛围活跃、广受好评。 深入社群，构建常态化金融宣教网络 为切实履行敬老、助老、爱老的社会责任，兴业银行石家庄分行深入河北老年大学、养老服务机构及老 年社区，持续开展"金融教育宣传"等金融知识普及活动，通过寓教于乐的方式，在丰富的活动中渗透金 融知识传播。针对老年群体视觉与认知特点，分行专门设计制作大字版金融宣传手册，推出"以案说 险""法律论坛"等针对性内容，系统讲解金融消费者八项权益及老年诈骗常见套路，提升老年群体金融 风险防范意识和能力，稳步跨越"数字鸿沟"。 转自：新华财经 大力发展养老金融，既是应对人口老龄化的必要举措，也是优化社会保障体系、释放"银发经济"潜力、 推动高 ...

在绿色信贷领域，兴业银行济南分行屡创"首单"：2021年，发放山东省首笔工商企业屋顶光伏项目贷款 并获央行碳减排支持工具；2022年，落地临沂市首笔排污权抵押贷款。2025年人行绿色贷款统计口径调 整后，分行迅速响应，一季度为临沂某热力集团投放4000万元贷款，支持城市绿色供暖、减少碳排放； 二季度为当地企业投放6亿元绿色畜牧业贷款，保障企业运营周转。截至2025年6月末，该分行在临沂的 绿色贷款余额已达30.4亿元。 在区域重点项目建设中，兴业银行济南分行创新模式，深度赋能，针对临沂现代物流城建设，首创"绿 色仓库+绿色贷款"服务模式，引导项目符合人行绿色标准。目前，分行已为物流西迁项目批复贷款7 笔、总额22.8亿元，累计投放17.41亿元，其中7.76亿元被认定为绿色贷款，为物流产业绿色转型筑牢金 融支撑。 转自：新华财经 兴业银行获评明晟（MSCI）ESG评级AAA级，是唯一一家连续六年获得境内银行业最高评级的银行。 依托总行在绿色金融领域的专业优势，兴业银行济南分行以产品创新为抓手、精准服务为支撑，持续为 临沂绿色低碳转型注入金融动能。 下一步，兴业银行济南分行将持续立足区域需求，深化绿色金融创新， ...

Core Viewpoint - Recent announcements from multiple banks indicate a shift in the management of "long-term inactive accounts," with stricter criteria for identification and cleaning up of such accounts to mitigate risks associated with idle funds and potential fraud [1][3][5]. Summary by Sections Changes in Recognition Standards - Banks are adjusting the criteria for identifying long-term inactive accounts. For instance, Industrial Bank has revised its standard from an account balance of 100 yuan or less and no transactions for 180 days to a balance of 10 yuan or less and no transactions for 365 days [1][2]. Account Cleanup Initiatives - Several banks, including rural credit cooperatives and commercial banks, are actively cleaning up long-term inactive accounts through various channels, indicating a broader trend in the banking sector to manage these accounts more effectively [1][2]. Rationale Behind the Measures - The measures aim to address risks associated with long-term inactive accounts, such as unnecessary management fees and the potential for fraud. Banks are responding to regulatory pressures to prevent illegal activities like cross-border gambling and telecom fraud [3][4]. Legal Context and Consumer Rights - A case from Beijing Financial Court highlighted the legality of banks closing accounts that have been inactive for extended periods. The court ruled that such actions do not infringe on consumer rights, emphasizing the importance of preventing misuse of dormant accounts for criminal activities [5][6].

Group 1 - The core idea of the articles revolves around the integration of "Party Building" with financial services, particularly focusing on elderly care and community support initiatives [1][2][4][8][9][13] - The initiatives aim to create a unique model of "Financial + Elderly Care + Party Building" to enhance the quality of financial services for the elderly in Sichuan [1][2][4][8][13] - Various activities, such as themed party days and community events, are organized to promote volunteer services and financial education among the elderly [2][4][8][9] Group 2 - The "Silver Age Action" program was launched to provide support and resources for elderly individuals, integrating financial services with community welfare [2][4] - Events like the "Red Song Memory" activity and financial micro-classrooms are designed to engage the elderly and educate them on financial safety and community involvement [4][8] - The collaboration with local communities and organizations aims to strengthen the "Red Partner" network and enhance the brand of elderly financial services [7][9][13] Group 3 - The activities also emphasize the importance of remembering revolutionary history and instilling a sense of patriotism among participants [5][11] - The bank's commitment to social responsibility is reflected in its efforts to provide legal education and traditional cultural experiences for the elderly [9][11] - Future plans include expanding the reach of elderly care services and continuing to innovate in financial offerings tailored to the needs of senior citizens [13]