近日，一位外籍友人走进农行济南历下玉兰广场支行办理美元兑换业务。面对语言沟通的差异与跨境金 融服务的需求，该支行员工凭借专业的素养与热情的态度，提供高效、顺畅的服务体验，赢得了客户的 由衷赞赏。 此次成功服务外籍客户办理美元兑换业务，充分展现了农行济南历下玉兰广场支行在跨境金融服务方面 的专业水准与"客户至上"的服务理念。以过硬的业务能力、主动的服务意识和良好的沟通技巧，有效化 解了语言带来的服务障碍，确保了客户享受到与国内客户同等便捷、高效的金融服务体验。 农行济南历下玉兰广场支行将持续提升服务国际化水平，优化业务流程，致力于为包括外籍人士在内的 所有客户提供更加优质、高效、有温度的金融服务，用实际行动擦亮农行服务品牌，助力营造省会济南 开放、包容、便利的国际化营商环境。 当外籍客户进入网点，大堂经理第一时间上前询问了解需求。得知客户需兑换美元后，迅速引导至专属 柜台。办理过程快速、简洁。业务办理完成后，外籍客户微笑着竖起大拇指，连连道谢。 ...

近日，一位神情焦急的外地客户张女士来到农行济南历下玉兰广场支行，要求立即办理汇款业务。大堂 经理赶忙上前迎接，经沟通了解到客户需办理紧急汇款，但在清点时发现少了5000元现金。 "真的太感谢你们了！"张女士连连道谢。这次暖心服务不仅解决了客户的燃眉之急，更展现了农行员工 的专业素养。农行玉兰广场支行将持续优化服务流程，重点关注特殊群体需求，用实际行动践行"金融 为民"的服务宗旨。 工作人员迅速启动应急服务流程，一边安抚客户情绪，一边协助回忆行程细节。在联系出租车公司未果 后，网点工作人员主动协助报警。经警方调查，最终在张女士此前办理业务的银行找到了遗失的现金。 取回钱款后，工作人员又全程指导她完成汇款手续，确保资金安全到账。 ...

8月1日，A股银行板块集体拉升，农业银行股价一度创出历史新高，青岛银行最高涨超5%。瑞银表示，中国 的银行将能够保持稳定的利润增长，对中国银行业股息的可持续性以及进一步的上涨态势持更为乐观的态度。 另外，中期分红预期也是推动银行股走强的原因之一，工商银行、农业银行、中国银行等均在2024年实施了上 市以来首次派发中期股息。上交所相关负责人日前表示，上交所将继续推动上市公司进一步加大分红力度，增 加分红频次，持续提升公司投资价值。 银行股盘中拉升 8月1日，A股盘中，银行板块集体异动，农业银行股价盘中一度创出历史新高，青岛银行一度大涨超5%，截 至收盘，宁波银行涨超2%，南京银行、成都银行、杭州银行、江苏银行涨超1%，工商银行、浦发银行、北京 银行、平安银行小幅涨幅。 消息面上，瑞银在最新发布的报告中表示，对中国银行业股息的可持续性以及进一步的上涨态势持更为乐观的 态度。瑞银认为，股息收益率超过4.2%的H股银行和超过4.0%的A股银行具有吸引力，因此将交通银行H股评 级上调至"买入"，并基于5.1%—5.4%的收益率，维持对工商银行H股、建设银行H股、中国银行H股和中信银 行H股的"买入"评级。 刚刚，银行股 ...

近日，两位外国青年来到农行济南历下汉峪金谷支行，一进门，便用带着浓重口音的英语询问大堂经 理："Can you speak English?"，大堂经理用温暖的微笑和流利的回应，打破了双方的隔阂。 两位留学生临走前留下的不仅是赞美，更是对中国金融服务开放包容的生动诠释。中国农业银行济南汉 峪金谷支行的工作人员用专业与温度证明：金融服务无国界，农行服务无止境。 在这个普通的银行网点里，一场特殊的金融服务正在展开。大堂经理在交谈中得知：这两位是来自附近 某大学的留学生，需要现金缴纳学费。工作人员小毕不仅全程用英语耐心沟通，更敏锐地捕捉到外国客 户在陌生金融环境中的不安，于是她主动陪同两位留学生办理每一道手续，将复杂的业务流程拆解成他 们能理解的步骤，甚至在填写单据时贴心地标注英文说明。当两位留学生看到学费成功缴纳的系统提示 时，舒展的眉头和竖起的大拇指，成为对这份专业服务最好的肯定。 ...

一天下来，垛石农行的工作人员竭心尽力的为老人解决了社保卡激活难题。"很多老人子女不在身边， 我们多走几步，他们就少些麻烦。"如今，垛石农行已成乡村常客，用脚步丈量便民之路，让金融服务 真正暖到老人心坎里。 炎炎夏日，垛石农行工作人员在村委会办公室支起临时服务点，工作人员耐心帮老人核对身份信息，手 把手指导密码设置。"大爷，这卡以后领养老金、买药都能用，密码得记牢喽！"怕老人听不清，工作人 员特意提高音量，用方言反复叮嘱。遇到腿脚不便的老人，工作人员们带着设备上门服务，在床头完成 业务办理。 "天热路远，本以为得折腾半天，没想到银行直接到村里办好了！"垛石街道邢家村的张奶奶摸着刚激活 的社保卡，笑得合不拢嘴。近日，垛石农行带着移动设备深入街道村落，为老年人提供社保卡激活"一 站式"服务。 ...

Core Viewpoint - The article highlights the proactive measures taken by Agricultural Bank of China (ABC) employees to prevent a senior citizen from falling victim to a financial scam, showcasing the bank's commitment to customer service and fraud prevention [1][3]. Group 1: Incident Description - On July 28, a senior citizen approached the counter at ABC's Jinan Meili Lake branch to transfer money, claiming it was for tuition to learn how to make money [1]. - The bank teller noticed inconsistencies in the elderly man's story and alerted the internal manager, who then contacted local police [1]. Group 2: Response and Outcome - Police arrived and discovered the elderly man was involved in multiple WeChat groups promoting "high-interest investment" schemes, leading to a successful intervention [1]. - After the intervention, the elderly man expressed gratitude towards the bank staff for their vigilance, emphasizing the importance of community support in preventing fraud [3]. Group 3: Commitment to Service - ABC's Jinan Meili Lake branch aims to continue providing high-quality and attentive service to safeguard customers' financial well-being and enhance their banking experience [3].

Group 1 - The core viewpoint of the news is the performance and structure of the China Europe Central State-Owned Enterprises Dividend Index Fund (QDII) A, which has experienced a decline in value and has specific characteristics regarding its holdings and management [1][3]. - As of July 31, the fund has seen a decrease of 1.89%, with a latest net value of 1.24 yuan, marking a cumulative decline of 2.31% over five consecutive trading days [1]. - The fund was established on July 31, 2024, with a total size of 0.44 billion yuan and has achieved a cumulative return of 24.95% since inception [1]. Group 2 - As of June 30, 2025, the top ten holdings of the fund account for a total of 28.90%, with the largest holding being China COSCO Shipping (6.62%) [2]. - Other significant holdings include Orient Overseas International (3.04%), CITIC Bank (2.92%), and China Petroleum (2.45%) among others [2]. - The fund's holder structure shows that institutional investors hold 0.10 billion shares (46.36%), while individual investors hold 0.12 billion shares (53.64%) [1]. Group 3 - The current fund manager is Ms. Fang Shenshen, who has a background in finance and has held various positions in investment management prior to her current role [1]. - She has been managing the fund since July 1, 2024, and has experience with other funds under China Europe Fund Management Company [1].

Core Insights - The recent phenomenon of "interest rate inversion" at Agricultural Bank of China, where the 5-year deposit rate exceeds the 3-year rate, reflects complex economic conditions and liquidity management strategies within the banking system [1][3] - This inversion is not isolated, as 17 banks across China have reported similar occurrences, particularly among small and medium-sized banks [3] - The inversion indicates banks' cautious outlook on the medium to long-term economic prospects, with expectations of further interest rate declines [4][5] Group 1: Interest Rate Inversion - Agricultural Bank's 3-year large deposit certificate rate is 2.05%, while the 5-year rate is 2.15%, leading to an additional interest of approximately 1000 yuan for a 100,000 yuan deposit over 5 years [1] - Over 35% of city commercial banks in China exhibit some form of interest rate inversion as of June 2025 [3] - The inversion is attributed to the current economic transition in China, with GDP growth stabilizing around 4.8% and the central bank implementing two interest rate cuts since early 2024 [3][4] Group 2: Economic Implications - The inversion reflects banks' strategies to lock in current funding costs amid expectations of declining future rates [3][4] - Agricultural Bank's long-term loans account for 67.3% of its total loans, indicating a preference for attracting long-term deposits [3] - The phenomenon is part of a broader trend observed globally, with 12 economies experiencing similar situations, particularly in Japan and the Eurozone [4][5] Group 3: Investment Strategies - The interest rate inversion presents an arbitrage opportunity for depositors, but families must consider their liquidity needs for future expenses [4][5] - Investors are advised to adopt flexible asset allocation strategies, including diversifying into various deposit products and considering fixed-income investments like government bonds [5][6] - Different banks are employing varied strategies to address the inversion, with some offering tiered deposit products to balance yield and liquidity [6]

Market Performance - The A-share market showed mixed results today, with the Shanghai Composite Index reaching a new high for the year, closing up 0.17% at 3615.72 points, while the Shenzhen Component Index fell 0.77% to 11203.03 points, and the ChiNext Index dropped 1.62% to 2367.68 points [2][3] - The total trading volume in the Shanghai and Shenzhen markets reached 184.43 billion, an increase of 41 billion compared to the previous day [2] Sector Analysis - The performance of major indices reversed compared to previous trends, with significant declines in key stocks like CATL, which fell 5.05%, while previously underperforming bank stocks, such as Agricultural Bank, rose by 1.47% [5] - The banking sector index saw a decline of approximately 7% from its peak of 4632 points on July 11, while it had increased by 52% from a low of 3030 points on April 7 [9][10] - The insurance sector peaked on June 27 at 1566.46 points and has since dropped to around 1444 points, reflecting a decline of about 7.7% [11] - The brokerage sector has shown limited growth, with a rise of approximately 4.45% from 1516.78 points on July 11 to 1588.41 points currently [12] Economic Context - The recent market fluctuations are attributed to the ongoing adjustments in major sectors, particularly the banking and insurance sectors, which have seen significant volatility [4][6] - The recent Central Political Bureau meeting provided a positive outlook for the capital market, emphasizing stability and attractiveness, although the market's upward movement still falls short of expectations [6][7] - The third round of Sino-U.S. trade negotiations has resulted in a three-month delay in tariffs, which is seen as a consensus but still requires final approval from the U.S. side [7]

Market Overview - The cyclical and consumer stocks rebounded, with oil and gas extraction, steel, and coal sectors rising, alongside duty-free shops, liquor, and tourism hotels [1] - The Shanghai Composite Index reached a new high, closing at 3628.53 points, with an intraday peak of 3636.17 points, marking the highest level since October 9, 2024 [3] Financing and Investment Trends - A-share financing balance increased to 19684.21 billion, the highest since July 2015, with the Shanghai market's financing balance surpassing 10000 billion [3] - The structure of incremental funds in A-shares has varied across three market phases this year, with different contributors such as retail investors, private equity, and foreign capital [3] Banking Sector Performance - The banking sector rebounded, with all stocks in the sector rising, particularly Qingnong Commercial Bank and Postal Savings Bank [5] - A-share listed banks' total dividend for 2024 reached 6325.94 billion, a 3.14% increase year-on-year, with state-owned banks accounting for 66.5% of total dividends [8] Insurance Sector Performance - The insurance sector saw significant gains, with China Ping An and New China Life both rising over 2%, and Ping An reaching a new high in this rebound [9] - The dynamic adjustment mechanism for preset interest rates is expected to improve the liability costs and net investment returns for life insurance companies, alleviating asset allocation pressures [9]