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谨防“涨停股专家”!10 万血汗钱险被骗,警银协作揭穿“杀猪盘”套路
Huan Qiu Lao Hu Cai Jing· 2025-10-15 09:48
警银协作紧急叫停 9月初,在手机银行上转账失败的彭女士前往北京银行长沙曙光支行,执意要求办理大额转账业务。然 而,该支行工作人员注意到彭女士言辞激烈、神情十分着急,询问转账用途时,彭女士犹豫后回应 称"转给自己认识很久的炒股大师的咨询服务费"。 立即识破话术破绽 该案件是警银协作堵截电信诈骗的典型案例。北京银行通过系统与人工研判结合,两度拦截风险交易, 体现了金融机构在反诈防线中的关键作用。属地反诈中心专程来到北京银行长沙曙光支行送上表扬信, 表彰该支行工作人员敏锐警觉、尽职尽责的职业精神,为劝阻诈骗赢得了宝贵的时间。 丽花区打击治理电信网络新型违法犯罪中心 表扬信 此举立刻引起了工作人员的高度警惕,及时向客户做好解释工作,引导客户打开手机聊天记录查找线 索,获取转账交易方所提供的单位名称。经核实,彭女士提供的单位并没有类似证券投资咨询的经营许 可,且该单位近两年为多起服务合同纠纷案件的被告方。结合彭女士描述的所谓"咨询服务合同""高额 咨询费""保密要求"等特征,该支行综合判断彭女士所遇情况与"杀猪盘"诈骗高度吻合。 北京银行工作人员在安抚彭女士焦虑情绪的同时,拨打了反诈中心报警电话寻求警方协助。派出所民警 ...
城商行板块10月15日涨0.62%,重庆银行领涨,主力资金净流出3.01亿元
Zheng Xing Xing Ye Ri Bao· 2025-10-15 08:37
Market Performance - The city commercial bank sector rose by 0.62% on October 15, with Chongqing Bank leading the gains [1] - The Shanghai Composite Index closed at 3912.21, up 1.22%, while the Shenzhen Component Index closed at 13118.75, up 1.73% [1] Individual Stock Performance - Chongqing Bank (601963) closed at 10.07, up 1.72% with a trading volume of 455,900 shares and a transaction value of 461 million [1] - Jiangsu Bank (616009) closed at 10.86, up 1.31% with a trading volume of 2.17 million shares and a transaction value of 2.337 billion [1] - Other notable performers include Changsha Bank (601577) at 9.35 (+1.08%), Shanghai Bank (601229) at 9.70 (+1.04%), and Nanjing Bank (600109) at 11.66 (+1.04%) [1] Capital Flow Analysis - The city commercial bank sector experienced a net outflow of 301 million from institutional investors, while retail investors saw a net inflow of 136 million [2] - The overall capital flow indicates a mixed sentiment, with institutional investors withdrawing funds while retail investors are increasing their positions [2] Detailed Capital Flow for Selected Banks - Qilu Bank (601665) had a net outflow of 38.24 million from institutional investors, while retail investors contributed a net inflow of 3.55 million [3] - Ningbo Bank (002142) saw a net outflow of 18.51 million from institutional investors, with retail investors contributing a net inflow of 1.63 million [3] - Beijing Bank (601169) experienced a net outflow of 6.04 million from institutional investors, but retail investors added 35.47 million [3]
北京银行涨2.16%,成交额17.42亿元,主力资金净流入1012.16万元
Xin Lang Cai Jing· 2025-10-14 06:03
Core Points - Beijing Bank's stock price increased by 2.16% on October 14, reaching 5.67 CNY per share, with a trading volume of 1.742 billion CNY and a market capitalization of 119.881 billion CNY [1] - Year-to-date, Beijing Bank's stock has decreased by 2.74%, with a 5-day increase of 2.16%, a 20-day decrease of 5.18%, and a 60-day decrease of 19.23% [2] - As of June 30, 2025, Beijing Bank reported a net profit of 15.053 billion CNY, a year-on-year increase of 3.25% [2] Financial Performance - The main business revenue composition of Beijing Bank includes corporate banking (45.30%), personal banking (30.63%), and funding business (23.44%) [2] - Cumulative cash dividends since the A-share listing amount to 71.533 billion CNY, with 20.086 billion CNY distributed in the last three years [3] Shareholder Information - As of June 30, 2025, the number of shareholders decreased by 3.17% to 135,800, while the average circulating shares per person increased by 3.28% to 155,651 shares [2] - The top ten circulating shareholders include Hong Kong Central Clearing Limited with 943 million shares (a decrease of 12.1575 million shares), and China Securities Finance Corporation with 324 million shares (unchanged) [3]
银行App“瘦身”进行时: 直销银行、信用卡等 独立应用持续整合
Zhong Guo Zheng Quan Bao· 2025-10-13 21:48
● 本报记者 李静 银行整合旗下App持续推进。近期多家银行陆续将旗下直销银行、信用卡、企业银行、生活服务类App 相关功能服务整合至手机银行App。 银行业曾一度推崇功能聚焦的轻量级App,以期精准服务客户。然而,这类App普遍面临用户活跃度 低、体验不佳、功能冗余的现实困境。业内人士认为,银行整合App不仅能提升用户体验,还可有效降 低运营成本,并实现风险的集中管控。 银行App"瘦身" "在银行数字化转型初期,行业对具体发展路径并不明确。当时市场普遍认为,功能聚焦的轻量级专业 App能更精准地满足客户需求,提供更好的体验,即所谓垂直化经营。"某股份行人士告诉记者。此 外,传统银行内部业务条线划分清晰,掌控一个由本部门主导的App,意味着掌握了直达客户的渠道以 及运营的自主权,同时也影响内部资源配置和绩效评估。 然而在实践中,App过多反而对消费者构成了负担。一位北京地区的用户坦言:"我之前下载了好几家 银行的多个App,有些生活服务类App优惠力度确实大,但这些App数量实在太多了,既占手机内存, 我也用不过来。后来我只保留了一家银行的生活服务类App和手机银行App,希望它们将来也能合并。" 优化用户 ...
关停、迁移!多家银行加速APP“瘦身”
Zhong Guo Zheng Quan Bao· 2025-10-13 15:11
日前,北京银行(601169)发布公告称,因直销银行业务调整,其直销银行APP、直销银行网站将于11月12日起停止服务,原直销银行相关业务功能已迁 移至北京银行"京彩生活"手机银行APP。 中国银行(601988)9月28日发布公告称,已启动"缤纷生活"APP服务迁移, "缤纷生活"APP全部功能将逐步迁移至"中国银行"APP;迁移完成后,"缤纷 生活"APP将停止下载注册,并逐步关停服务,具体时间后续继续以公告形式发出。 今年3月底,北京农商行与江西银行已分别将"凤凰信用卡""惠享精彩"APP关停,相关功能并入手机银行APP。而在去年,渤海银行、上海农商行等也已 关停旗下信用卡APP。 银行整合应用的范围并不仅限于直销银行与信用卡APP。根据中国互联网金融协会今年发布的三期移动金融客户端应用软件注销备案公告,多家银行的 企业银行APP与生活服务类APP因停止服务主动申请注销备案。例如,浦发银行(600000)旗下专注于按揭贷款与车贷等业务的"甜橘"APP已注销。 优化用户体验 业内人士表示,银行纷纷进行APP"瘦身"的主要原因在于用户活跃度低、体验不佳及功能冗余等问题。 图片来源:北京银行官网 近期,多家银 ...
北京银行股份有限公司入围《经济观察报》2024—2025年度受尊敬企业
Jing Ji Guan Cha Wang· 2025-10-13 10:05
Core Insights - Beijing Bank (601169) has been recognized as a respected enterprise for the 2024-2025 period by Economic Observer, highlighting its exceptional performance in quality operations, innovation breakthroughs, and social contributions [1] Financial Performance - The company has achieved positive growth in key financial metrics, including operating revenue, net profit, and total assets, for three consecutive years [1]
金工定期报告20251013:预期高股息组合跟踪
Soochow Securities· 2025-10-13 10:02
- Model Name: Expected High Dividend Portfolio; Model Construction Idea: The model uses a two-stage approach to construct the expected dividend yield indicator. The first stage calculates the dividend yield based on the annual report's profit distribution, and the second stage predicts and calculates the dividend yield using historical dividends and fundamental indicators. Additionally, two short-term factors affecting dividend yield—reversal factor and profitability factor—are used to assist in screening, and the selection is made from the CSI 300 constituent stocks to construct the expected high dividend portfolio. The portfolio holds 30 stocks each period and rebalances monthly[3][8] - Model Construction Process: 1. Exclude suspended and limit-up stocks from the CSI 300 constituent stocks to form the candidate stock pool[13] 2. Exclude the top 20% of stocks with the highest short-term momentum (i.e., the top 20% of stocks with the highest 21-day cumulative gains) from the stock pool[13] 3. Exclude stocks with declining profitability (i.e., stocks with a negative year-on-year growth rate of quarterly net profit)[13] 4. Rank the remaining stocks in the stock pool by expected dividend yield and select the top 30 stocks with the highest expected dividend yield to construct the portfolio equally weighted[9] - Model Evaluation: The model's historical performance is outstanding, with a cumulative return of 358.90% and a cumulative excess return of 107.44% relative to the CSI 300 Total Return Index. The annualized excess return is 8.87%, with a maximum rolling one-year drawdown of only 12.26% and a monthly excess win rate of 60.19%[11] Model Backtest Results - Expected High Dividend Portfolio, average return in September 2025: -5.35%, underperformed the CSI 300 Index by 8.09% and the CSI Dividend Index by 3.87%[3][14] - Best performing stocks in September 2025: CITIC Special Steel (3.81%), Yutong Bus (-0.35%), Industrial and Commercial Bank of China (-1.75%), Shuanghui Development (-1.90%)[15] Factor Construction and Evaluation - Factor Name: Expected Dividend Yield Factor; Factor Construction Idea: The factor is constructed by predicting dividend distribution using the method of dividend distribution combined with fundamental indicators. Two short-term factors affecting dividend yield—reversal factor and profitability factor—are used to assist in screening[14] - Factor Construction Process: 1. Calculate the dividend yield based on the annual report's profit distribution[8] 2. Predict and calculate the dividend yield using historical dividends and fundamental indicators[8] - Factor Evaluation: The factor is used to assist in screening and constructing the expected high dividend portfolio, which has shown outstanding historical performance[3][8] Factor Backtest Results - Expected Dividend Yield Factor, average return in September 2025: -5.35%, underperformed the CSI 300 Index by 8.09% and the CSI Dividend Index by 3.87%[3][14]
银行渠道本周在售纯固收理财产品榜单(10/13-10/19)
2 1 Shi Ji Jing Ji Bao Dao· 2025-10-13 01:16
Core Insights - The article discusses the diverse range of bank wealth management products available, emphasizing the need for investors to discern and select suitable options amidst similar-sounding and vaguely characterized products [1] - The South Finance Wealth Management team compiles a weekly performance ranking of wealth management products sold through various distribution channels, focusing on those with outstanding performance [1] - The ranking criteria include product type, specifically targeting pure fixed income, "fixed income plus," and mixed products, along with performance stability, requiring a minimum of three months of performance data [1] Product Performance Summary - The ranking showcases annualized performance over the past month, three months, and six months, sorted by the three-month annualized return to reflect multidimensional performance during recent market fluctuations [1] - The current focus is on pure fixed income products issued by wealth management companies, highlighting those available for investors through distribution channels [1] Distribution Institutions - A total of 28 distribution institutions are mentioned, including major banks such as Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, and others [2] - The ranking's assessment of the "on-sale" status of wealth management products is based on their investment cycle, but actual availability may vary due to factors like sold-out quotas or differences in product listings for different customers [2] Performance Data - The article provides specific performance data for various wealth management products, including annualized returns and investment periods, with notable products listed from institutions like Bank of China and Minsheng Bank [5][7][10] - For instance, products from Bank of China show annualized returns ranging from 5.40% to 8.53% over different holding periods, indicating competitive performance in the current market [5][10]
银行渠道本周在售最低持有期产品榜单(10/13-10/19)
2 1 Shi Ji Jing Ji Bao Dao· 2025-10-13 01:09
Core Insights - The article focuses on the performance of bank wealth management products with varying minimum holding periods, specifically highlighting the annualized returns of these products to assist investors in making informed choices [1][2]. Summary by Categories 7-Day Holding Period Products - The top-performing product is from Huaxia Bank, with an annualized return of 16.86% [4]. - Other notable products include: - Minsheng Bank's "Fuzhu Pure Bond" at 13.12% [4]. - Minsheng Bank's "Guizhu Fixed Income" at 12.94% [4]. - Bank of China’s "Stable Wealth High-Grade Pure Bond" at 11.45% [4]. 14-Day Holding Period Products - Minsheng Bank's "Guizhu Fixed Income" leads with a return of 13.71% [7]. - Other significant products include: - Minsheng Bank's "Fuzhu Pure Bond" at 10.97% [7]. - Bank of China's "Stable Wealth Fixed Income" at 9.67% [7]. 30-Day Holding Period Products - Minsheng Bank's "Fuzhu Pure Bond" has an annualized return of 9.51% [9]. - Other key products include: - Minsheng Bank's "Guizhu Fixed Income" at 8.99% [10]. - Bank of China's "Stable Wealth Preferred" at 7.13% [10]. 60-Day Holding Period Products - Bank of China's "Smart Wealth Index Tracking Strategy" tops the list with a return of 23.99% [12]. - Other notable products include: - Minsheng Bank's "Fuzhu Pure Bond" at 7.48% [12]. - Bank of China's "Stable Wealth Credit Selection" at 6.31% [12].
2025年H1中国手机银行APP流量监测报告
艾瑞咨询· 2025-10-12 00:06
手机银行APP丨监测报告 核心摘要: 在国家全面推进数字化转型与金融科技创新的背景下,手机银行APP已成为商业银行服务用户、优化体验、 提升竞争力的核心载体。随着移动互联网技术的迭代与用户行为的深度变迁,银行业从早期的渠道迁移迈入 智能化、场景化、普惠化的新阶段。AI技术的深度融合、精细化运营策略的落地以及用户需求的多元化,正 重塑手机银行APP的市场格局与价值内涵。 手机 银行 APP 用户粘性明显下滑,银行亟需精细化经营 从用户行为角度, 2023 年至 2025 年间我国手机银行 APP 用户粘性明显下滑,用户单机单日有效 使用时间从 4.93 分钟 跌至 2.70 分钟 ,单机单日使用次数从 4.54 次降至 2 .86 次。 这表明手机 银 行 APP 作为银行用户触达和互动的核心 渠道的吸引力 正在 减弱,传统的银行 APP 功能和服务模 式已难以维持用户的高频次、长时间 使用。而这现状是银行 APP 功能同质化严重、金融服务嵌入 第三方场景、银行 APP 操作体验不佳等多重因素共同作用的 结果。 面对存量竞争市场与日益下滑 的用户粘性, 银行要实现有效"突围",关键 在于精细 化 运营。 精细化 ...