"阿姨，正规课程绝不会强制要求开数字钱包，这些'讲师'可能在利用您的账户搞违法活动呢！"小兰拿 出反诈手册，耐心讲解风险点；小刘则仔细查看老人的微信群，指出"任务式操作"的可疑之处。真诚的 话语、专业的分析，让老人们很快意识到危险，当即退出了可疑微信群。"我哪懂这些新东西，真是多 亏了你们！"一位老人后怕地说，反复感谢农行工作人员帮自己守住了养老钱。 "这是微信群里的'讲师'让办的，说这是课程任务。" 一位老人的回答，这让小兰立刻联想到晨会学习的 涉老诈骗案例 —— 不法分子常利用老年人对新事物的陌生感，远程操控开立金融账户实施诈骗。 "小同志，多亏你们拦住了我，不然这养老钱怕是要打水漂了！"近日，农业银行济南分行营业部营业室 大厅里，一位老人紧握着工作人员的手，话语里满是感激。这场及时劝阻，正是农行员工用专业与细 心，为老年人筑起金融安全防线的生动写照。 这天下午，几位年过六旬的老人陆续来到营业大厅，他们对智能手机操作并不熟练，却都提出要开立数 字人民币一类钱包。这一反常举动立刻引起大堂经理小兰和小刘的警觉。"大爷大妈，您开数字人民币 钱包是打算用来做什么呀？"两人主动上前询问。 这场成功拦截，是农行济南分 ...

走进舜华北路支行，"农情暖域"服务区内凉意融融。这里长期配备着饮水机、一次性纸杯、手机充电设 备及藿香正气水等常用防暑药品，为有需求的市民随时开放。针对近期极端高温，工作人员更是主动上 前，邀请环卫工人、外卖骑手等户外工作者到休息区歇脚，递上一杯凉白开，送出一份沁心清凉。 近日，济南市持续高温预警，闷热天气让户外作业成为不小的挑战。农行济南舜华北路支行积极响应高 温下的民生需求，为户外工作者及市民提供纳凉休憩、饮水补给等贴心服务，用实际行动践行"金融为 民"的初心。 "外面跟蒸笼似的，进来吹吹空调喝口水，浑身都舒坦了！"刚结束路段清扫的环卫工人刘师傅接过水 杯，对工作人员的热情连连点赞。赶大集途中进入网点避暑的张大爷也感慨道："天这么热，能在这儿 歇歇脚，真是太贴心了！"一句句朴实的称赞，道出了高温里的暖心共鸣。 下一步，农行济南舜华北路支行将不断优化服务细节，让营业网点不仅是办理业务的金融窗口，更成为 守护民生温度的"暖心驿站"，以点滴行动传递金融服务的温情与担当。 ...

Core Viewpoint - Agricultural Bank of China (ABC) Jinan Free Trade Zone Branch has received high recognition from a foreign client for its professional and attentive service, highlighting the bank's commitment to optimizing payment services [1] Group 1: Service Quality - A foreign client visited ABC Jinan Free Trade Zone Branch to open a first-class bank card for salary purposes, and the lobby manager provided a warm reception [1] - The staff efficiently guided the client through the account opening process, ensuring a smooth experience by patiently assisting with document verification and answering questions [1] - The client expressed satisfaction with the high-quality service, leaving the branch with a positive impression [1] Group 2: Strategic Focus - The service provided reflects ABC Jinan Free Trade Zone Branch's implementation of the "Optimize Payment Services" initiative, focusing on the financial needs of foreign personnel and elderly clients [1] - The branch has adopted measures such as multilingual services and green channels to enhance payment convenience and make financial services more accessible [1] - ABC Jinan Free Trade Zone Branch aims to continue its commitment to the "Finance for the People" philosophy, striving to improve customer satisfaction [1]

证券之星消息，8月8日国有大型银行板块较上一交易日下跌0.37%，中国银行领跌。当日上证指数报收 于3635.13，下跌0.12%。深证成指报收于11128.67，下跌0.26%。国有大型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) | | --- | --- | --- | --- | --- | --- | | 601658 | 邮储银行 | 6.02 | 0.33% | 142.30万 | 8.53 Z | | 601288 | 农业银行 | 6.71 | 0.00% | 389.26万 | 26.07亿 | | 601328 | 交通银行 | 7.75 | -0.13% | 125.39万 | 9.74 G | | 666109 | 建设银行 | 9.60 | -0.31% | 111.03万 | 10.72亿 | | 601398 | 工商银行 | 7.79 | -0.64% | 273.93万 | 21.44亿 | | 601988 | 中国银行 | 5.67 | -0.87% | 232.36万 | 13.24亿 | 从资金流向上来看， ...

从新上证综指持仓样本的行业来看，金融占比27.29%、工业占比18.53%、信息技术占比11.45%、原材 料占比8.54%、主要消费占比6.47%、能源占比6.43%、医药卫生占比6.07%、可选消费占比6.01%、公用 事业占比4.51%、通信服务占比3.48%、房地产占比1.21%。 资料显示，上市以来日均总市值排名在沪市前10位的证券于上市满三个月后计入指数，其他证券于上市 满一年后计入指数。样本被实施风险警示措施的，从被实施风险警示措施次月的第二个星期五的下一交 易日起将其从指数样本中剔除；被撤销风险警示措施的证券，从被撤销风险警示措施次月的第二个星期 五的下一交易日起将其计入指数。当样本退市时，将其从指数样本中剔除。样本公司发生收购、合并、 分拆、停牌等情形的处理，参照计算与维护细则处理。 从指数持仓来看，新上证综指十大权重分别为：农业银行（3.74%）、工商银行（3.7%）、贵州茅台 （3.12%）、中国石油（2.46%）、中国银行（2.39%）、招商银行（1.63%）、中国人寿（1.5%）、工 业富联（1.24%）、长江电力（1.2%）、中国平安（1.11%）。 从新上证综指持仓的市场板块来看 ...

Investment Ratings - Banking: Overweight (Maintain) [1] - Securities: Market Weight (Maintain) [1] - Insurance: Overweight (Maintain) [3] Core Insights - The banking sector is experiencing a recovery in activity, with several banks reporting positive growth in net profit for the first half of 2025, driven by favorable policies and a stable interest margin [7][46] - The securities sector is benefiting from explosive growth in mid-year earnings forecasts from listed brokers, with all 32 brokers reporting increased or turned profitable earnings [4][48] - The insurance industry is seeing a favorable shift in its liability side, with a reduction in the guaranteed interest rate for traditional life insurance, prompting a potential shift in product offerings [5][49] Summary by Sections Market Review - As of August 7, 2025, the banking index increased by 1.66%, while the securities index decreased by 1.98%, and the insurance index rose by 0.35% [15] - Agricultural Bank, Western Securities, and New China Life Insurance showed the best performance among sub-sectors with increases of 8.23%, 6.04%, and 4.45% respectively [15] Valuation Situation - As of August 7, 2025, the banking sector's price-to-book (PB) ratio is 0.77, with state-owned banks at 0.80, joint-stock banks at 0.68, city commercial banks at 0.76, and rural commercial banks at 0.66 [24] - The securities sector's PB ratio is 1.55, indicating potential for valuation recovery [27] Recent Market Indicators - The average daily trading volume in the A-share market was 16,120.08 billion, with a week-on-week decrease of 9.79% [35] - The margin trading balance reached 2 trillion, marking a significant milestone since July 2015 [35] Industry News - The government is implementing consumer loan interest subsidies to stimulate consumption and enhance market vitality [41] - The insurance sector is expanding its private equity investment funds, indicating a long-term influx of capital into the market [42] Company Announcements - Qingdao Bank reported a 7.50% increase in revenue for the first half of 2025, with net profit growing by 16.05% [44] - Agricultural Bank and other banks are expected to benefit from favorable policies and a stable dividend environment [46] Weekly Perspectives - The banking sector is expected to see continued demand for high-dividend, low-valuation stocks, driven by a low-interest-rate environment and a shift in capital towards safer investments [46][47] - The securities sector is advised to focus on companies with strong mid-year earnings forecasts and those benefiting from regulatory changes [48] - The insurance sector is encouraged to optimize product structures in response to changes in guaranteed interest rates, with a focus on flexible income products [49]

Group 1 - The core viewpoint of the articles highlights the strong performance of A-share listed banks, with many stocks reaching new historical highs, driven by investor demand and improving fundamentals [1][2][3] - As of July 10, the total market capitalization of A-share listed banks reached 16.30 trillion yuan, an increase of 2.73 trillion yuan from the end of last year, with major banks like ICBC, CCB, and ABC leading in market value [2][4] - The banking sector has shown a steady upward trend in the first half of the year, benefiting from market preferences and expectations of improved fundamentals, with a median dividend yield of around 4% [3][4] Group 2 - A total of 42 A-share listed banks have approved their annual profit distribution plans, with cash dividends totaling approximately 6.21 billion yuan for 2024 [4][5] - Analysts believe that the current environment supports the valuation of bank stocks, with global bank indices also reaching new highs, indicating a trend of value reassessment for banks as stable income-generating assets [6][7] - The banking sector is adapting to a narrowing net interest margin by seeking new profit sources, including increasing fees for services and enhancing bond investments, which have provided significant returns [7][8]

建设银行党委要求，增强服务国家建设能力，坚持把工作重心放在服务经济社会发展上，围绕扩大 内需、发展新质生产力、区域协调发展等重大战略和重点领域，加大金融支持力度，做深做实金融"五 篇大文章"，切实当好服务实体经济的主力军。增强防范金融风险能力，遵循金融发展规律，强化底线 思维，扎实做好资产质量管控，防范化解重点领域风险，守牢不发生系统性风险底线，切实当好维护金 融稳定的压舱石。增强参与国际竞争能力，积极支持高水平对外开放，深耕"一带一路"共建国家和区域 全面经济伙伴关系协定（RCEP）区域，丰富国际化产品服务体系，全面提升本外币境内外一体化金融 服务水平。 交通银行党委明确，要讲大局、谋全局，坚持把交行事业放在党和国家事业发展全局中去考量，全 面落实一揽子存量增量政策，以稳中有进、稳中提质的成效，为巩固经济回升向好势头作出贡献。要守 好本分，坚持把服务实体经济作为根本宗旨，做实做细金融"五篇大文章"，将金融资源精准配置到国家 重大战略、重点领域和薄弱环节，加力支持上海"五个中心"建设和人民城市建设。要深化改革创新，用 好改革关键一招，持续推进重点领域改革项目落地，深化金融供给侧结构性改革，发挥金融活水作用， ...

5月20日，中国人民银行授权全国银行间同业拆借中心公布了最新一期贷款市场报价利率 （LPR）。1年期和5年期以上LPR分别较此前下降10个基点至3%和3.5%。 同日，工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行六家国有大型商业银行和 部分全国性股份制商业银行宣布对人民币存款挂牌利率进行调整，调整幅度在5个到25个基点不等。 5月7日，中国人民银行行长潘功胜在出席国新办举行的新闻发布会时宣布，自5月8日起，下调公开 市场7天期逆回购操作利率0.1个百分点。潘功胜表示，下调政策利率0.1个百分点，经过市场化的利率传 导，预计将带动LPR随之下行0.1个百分点。 受访专家表示，自7天期逆回购操作利率的政策利率地位明确后，这一利率已成为LPR新的"定价 锚"。 2024年6月，潘功胜在第十五届陆家嘴论坛上作主题演讲时率先透露了将7天期逆回购操作利率作为 主要政策利率、淡化其他期限货币政策工具政策利率色彩，以及适度收窄利率走廊宽度的利率调控转型 思路。 在随后的将近一年时间里，央行先后明确7天期逆回购操作利率的政策利率地位，淡化中期借贷便 利（MLF）的政策利率色彩，并通过强化各利率间协同，逐步疏通由短 ...

考场上，有学子奋力拼搏；考场外，有来自社会各界的力量共同做好保障。 这其中不乏银行人的身影：爱心送考、爱心物资、爱心服务……银行人以自己的实际行动，护航祖 国的未来。 爱心送考 让温情传递 6月4日上午，由农业银行厦门分行支持的"2025高考爱心服务车暨家有考生车"活动正式启动，这也 是该行连续第12年支持参与厦门市高考爱心送考活动。 《金融时报》记者从农业银行厦门分行了解到，为保障考生顺利出行，该行携手厦门市交通运输 局、厦门市公安局交警支队、厦门广电集团广播中心等多家爱心单位，集结3000辆爱心车护航高考生。 6月7日至10日，1335万名考生将走进考场，迎战2025年高考。 高考期间，农业银行湖南衡阳分行将在全市98个营业网点统一设置醒目的"爱心助考"标识。网点 内，舒适的休息区、充足的饮用水、齐全的应急药物以及便捷的手机充电设备等一应俱全，全方位满足 考生及家长的应急需求。此外，网点内还有身披绶带、头戴小红帽的志愿者们等候，随时为考生和家长 提供帮助。 "高考期间，爱心车队将免费为考生们提供'一对一'送考服务，确保每一位考生能够安全、准时抵 达考场。"农业银行厦门分行有关负责人向记者介绍。 在四川遂宁 ...