近日，工行湖州分行成功为通过动产融资统一登记公示系统的湖州某融资租赁有限公司，发放700余万 元贷款，标志着该行动产融资服务创新再获突破。该业务将企业存量设备资产转化为融资信用，有效破 解了中小企业抵押物不足的融资难题，为盘活企业动产资源提供了可复制的解决方案。 平台赋能增效，动产融资登记系统筑牢风险防线。作为业务核心支撑，动产融资统一登记公示系统发挥 了关键作用。通过该平台，工商银行可实时查验租赁债权权属状态，避免重复质押风险；同时，登记信 息具有公示公信效力，为金融机构敢贷、愿贷提供制度保障。 未来，工行湖州分行将持续深化动产融资服务创新，依托动产融资统一登记公示系统，为经济发展注入 更多金融活水，助力中小企业"轻资产"跑出发展加速度。 通讯员 管雨欢 创新业务模式，从"资产闲置"到"信用变现"。本次业务中，该公司以融资租赁形式向某制造企业出租生 产设备，形成长期租赁债权。基于该债权产生的稳定现金流，企业通过中国人民银行征信中心动产融资 统一登记公示系统，将租金收益权质押给工商银行，成功获得700余万元贷款。这一模式突破了传统信 贷对不动产抵押的依赖，将企业设备等动产资源转化为可质押的"信用资产"，显著提 ...

未来，工商银行湖州分行将持续深化动产融资服务创新，依托动产融资统一登记公示系统，为产业链供 应链稳定运行提供更强金融支撑，助力中小企业在高质量发展中"轻装上阵"。 通讯员 管雨欢 近日，湖州某投资有限公司凭借原材料贸易合同，通过中国人民银行征信中心动产融资统一登记公示系 统，将合同项下应收账款质押给中国工商银行湖州分行，成功获批2500万元融资。这一创新模式以贸易 合同信用为纽带，将企业应收账款转化为可融资资产，为破解中小企业融资难题提供了新路径，也为产 业链金融协同发展注入新动能。 作为供应链核心配套企业，该公司长期承担集团原材料供应任务，双方贸易合同履约稳定、账期明确。 该融资模式突破了传统信贷对不动产抵押的依赖，将贸易链中的"信用资产"转化为"融资资本"，有效缓 解了企业因缺乏抵押物导致的融资难题。该公司财务负责人表示："通过动产融资平台，我们无需额外 提供抵押物，仅凭贸易合同就获得了低成本资金，融资效率提升50%以上。" 此次2500万元应收账款质押融资的成功实践，充分彰显了动产融资模式在服务实体经济中的创新价值。 通过盘活企业贸易链信用资产，该模式不仅拓宽了中小企业融资渠道，更推动了产业链资金高效流 ...

| 2025 G-SIBs | G-SIBs 2012-2025 | | --- | --- | | | G-SIBs as of November 2025 allocated to buckets corresponding to | | | required levels of additional capital buffers | | | Compared with the list of G-SIBs published in 2024, two banks have moved to a higher bucket: Bank of America and Industrial and Commercial Bank of China have moved from bucket 2 to bucket 3. One | | | bank has moved to a lower bucket: Deutsche Bank has moved from bucket 2 to bucket 1. | | Bucket | C-2IB | | 5 (3.50%) | (Empty) | | 4 ( ...

近日，工商银行湖州分行依托中征应收账款融资服务平台与动产融资统一登记公示系统，成功为辖内某 旅游开发公司发放3.87亿元项目贷款。这一创新融资模式落地，标志着动产融资在文旅领域的应用取得 突破性进展，为区域特色产业盘活存量资产、拓宽融资渠道提供了新范本。 通讯员 管雨欢 该旅游开发公司投资规模大、回报周期长，其收益结构清晰，涵盖门票、游玩项目、住宿餐饮及零售休 闲四大板块，具备稳定现金流预期。然而，项目前期投入高、回款周期长的特点，使得传统抵押融资模 式难以满足资金需求。工行湖州分行积极运用中征应收账款融资服务平台与动产融资统一登记公示系 统，创新设计融资方案。企业负责人坦言："传统融资依赖固定资产抵押，此次通过收费权质押，我们 成功将未来收益转化为融资能力，为项目建设按下'加速键'。" 随着动产融资基础设施不断完善，金融活水正加速流向实体经济薄弱环节。实践表明，通过制度创新与 科技赋能，动产融资与应收账款平台已成为盘活存量资产、优化资源配置的重要工具，为构建多元化融 资体系、推动产业转型升级提供有力支撑。未来，工商银行湖州分行表将继续积极探索更多应用场景， 助力文旅产业高质量发展。 ...

Core Insights - The article emphasizes the importance of selecting the right fund trading software over the choice of the fund itself, especially for novice investors facing a vast array of options in the market [1] - By 2025, the number of public funds is projected to exceed 10,000, creating a significant selection challenge for investors [1] Group 1: Fund Software Rankings - The comprehensive ranking of fund investment apps for 2025 has been released, highlighting the advantages of leading platforms [2] - Sina Finance APP ranks first with a score of 9.56, followed by Tonghuashun and Dongfang Caifu, both scoring 9.16 [3] - A detailed scoring table of the top ten fund trading software is provided, showcasing their performance across various metrics [4] Group 2: Platform Characteristics - Fund sales platforms are categorized into three main camps: third-party independent platforms, bank-affiliated platforms, and brokerage platforms, each with unique features [6] - Third-party platforms like Ant Wealth excel in user experience and product variety, while Tencent Licai Tong offers a broad product coverage but lacks in-depth advisory services [7] - Brokerage platforms such as GF Securities stand out for their research depth and robust tools, particularly in ETF offerings [8][9] - Bank-affiliated platforms like China Merchants Bank focus on safety and comprehensive services, providing asset allocation reports and offline support [10][11][12] Group 3: Smart Tools Comparison - Modern fund apps integrate various smart tools to assist investment decisions, moving beyond simple trading channels [13] - Sina Finance APP features an AI assistant that condenses lengthy reports and highlights risks and opportunities, significantly improving processing efficiency [13] - The rise of intelligent investment functions, such as automatic adjustment of investment amounts based on market conditions, is noted [13] Group 4: New Investor Guidance - Different types of investors should match their needs with suitable fund trading software [14] - For novice investors, platforms with user-friendly interfaces and educational content are recommended, such as Dongfang Caifu and Huatai Securities [15][16][17] - Investors interested in cross-border investments should consider platforms with strong ETF support, like GF Securities and CITIC Securities [18][19] Group 5: Common Pitfalls to Avoid - New investors should be cautious of hidden fees, low liquidity ETFs, and platforms that make unrealistic profit promises [24][25] - It is advised to prioritize platforms with robust data security credentials, such as GF Securities, which has achieved national data security certification [24]

国家知识产权局信息显示，中国工商银行股份有限公司取得一项名为"文档打印方法、装置、设备、存 储介质及产品"的专利，授权公告号CN116301677B，申请日期为2023年3月。 来源：市场资讯 声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 天眼查资料显示，中国工商银行股份有限公司，成立于1985年，位于北京市，是一家以从事货币金融服 务为主的企业。企业注册资本35640625.7089万人民币。通过天眼查大数据分析，中国工商银行股份有 限公司共对外投资了1097家企业，参与招投标项目5000次，财产线索方面有商标信息988条，专利信息 5000条，此外企业还拥有行政许可77个。 ...

Fund Overview - The fund is named "Loomis Sayles Hong Kong Stock Connect Technology Equity Fund" and is classified as an equity fund [27] - The fund will be publicly offered from December 8, 2025, to March 6, 2026 [30] - The minimum total subscription amount for the fund is set at 200 million units, with a maximum subscription limit of 5 billion RMB [33] Subscription Details - Investors can subscribe multiple times during the fundraising period, with a minimum initial subscription amount of 10 RMB for individual accounts and 50,000 RMB for direct sales [38] - The fund adopts a "full payment subscription, share confirmation" method, and subscription applications cannot be revoked once accepted [37] - The fund management has the right to adjust the subscription period based on fundraising conditions, with a maximum fundraising period of three months [30][9] Investor Eligibility - The fund is open to individual investors, institutional investors, qualified foreign investors, and other investors permitted by laws and regulations [31] - The fund management reserves the right to determine and adjust the qualifications of investors eligible to purchase the fund [2][31] Risk Management - The fund is subject to specific risks associated with the Hong Kong Stock Connect mechanism, including market volatility and currency risks [20] - The fund management may refuse subscriptions from non-qualified investors, including U.S. taxpayers and those on sanction lists [4][3] Fund Management - The fund management is conducted by Loomis Sayles Fund Management (China) Co., Ltd., with China Industrial Bank serving as the fund custodian [1] - The fund will utilize a third-party service provider for share registration and valuation [22] Fund Performance and Fees - The fund will have different share classes (A and C) with varying fee structures, including subscription fees for A shares and no subscription fees for C shares [40] - The fund's past performance does not guarantee future results, and investors are encouraged to read the fund's prospectus for detailed risk disclosures [23]

Key TakeawaysThe Financial Stability Board (FSB) has released its 2025 list of Global Systemically Important Banks (G-SIBs), identifying 29 institutions including Bank of America (BAC) and Industrial and Commercial Bank of China (1398.HK).Bank of England (BoE) official Greene indicated that most policy rules suggest keeping interest rates steady, despite expressing concern over shifts in wage and price-setting behavior.Greene noted that wage growth, while still elevated, is moving in the right direction, an ...

本报记者 彭妍 近日，国有六大行以及部分股份制银行纷纷下架5年期大额存单，目前在售产品主要集中在1个月至3年期。与此同时，多 家中小银行近期也宣布下架3年期、5年期定期存款产品，并同步下调各期限存款利率。 素喜智研高级研究员苏筱芮表示，高息中长期存款曾是负债端的重要资金来源，但本轮多家机构集中调整此类产品，直接 原因是缓解息差压力。此类高息中长期存款的下架，能够降低银行机构的负债成本，为后续净息差的缓解乃至回升提供缓冲； 长远来看，这一举措也是银行优化中长期负债结构的主动调整，标志着银行已从单纯追求规模扩张，转变为更加注重负债质量 的精细化发展模式。 展望后续，在息差收窄压力之下，存款利率仍有下调空间，银行业调整高成本存款产品的趋势或将延续。 高政扬建议，对投资者而言，需结合自身需求与市场变化，合理调整投资策略。一是密切跟踪市场动态。关注LPR调整情 况、存款市场化利率改革推进进度以及相关监管政策的变化。二是践行多元化资产配置。可依据自身风险偏好适当配置理财产 品，但需重点关注产品底层资产结构、期限匹配度等核心要素，切勿盲目追求高收益，避免因风险承受能力不足、期限错配等 问题引发流动性风险。 此外，在5年期大 ...

Group 1: Communication Sector - The report highlights the strong fundamentals of the digital virtual goods operator, Bee Assistant (301382.SZ), with a stable business base and rapid growth in IoT and cloud terminal services [4] - The company is expected to benefit from AI trends due to its strategic investments in AI-related areas [4] Group 2: Medical Sector - United Imaging Healthcare (688271.SH) is identified as a leading domestic medical imaging equipment manufacturer with a comprehensive product line including CT, MR, MI, XR, RT, and ultrasound [4] - The company has made significant breakthroughs in core technologies and successfully launched high-end products like ultra-high field MR and digital PET-CT, which are at the forefront of global standards [4] - Anticipated revenue recognition from delayed orders in 2024 is expected to boost performance in the second half of 2025, supported by new funding for equipment upgrades [4] Group 3: Consumer Goods Sector - Gu Ming (1364.HK) is noted as a highly certain and scalable player in the tea beverage sector, with strong same-store sales and rapid franchisee payback periods [4] - The company is expected to emerge as a stable growth and expansion leader during the industry reshuffle in 2026 [4] Group 4: Home Appliances Sector - Midea Group (000333.SZ) reported a 13% year-on-year revenue increase in the ToC segment for Q1-Q3 2025, driven by high-end brands and an optimized product structure [5] - The ToB segment saw an 18% revenue increase, with significant growth in new energy and industrial technology sectors [5] - The company's focus on robotics is expected to enhance its product offerings and support long-term revenue growth [7] Group 5: Chemical Sector - Excellent New Energy (688196.SH) is positioned well in the biofuel industry, with a robust capacity layout for biodiesel and bio-based materials [7] - The company is accelerating its biodiesel project with a projected post-tax internal rate of return of 28.94%, enhancing its market competitiveness [7] Group 6: Financial Sector - Industrial and Commercial Bank of China (601398.SH) is characterized by its stability and high dividend yield, making it a preferred choice for investors seeking certainty [7] - The bank's net profit showed a slight year-on-year increase of 0.33% for the first three quarters of 2025, with non-interest income growing by 11.3% [7] Group 7: Transportation Sector - Jinjiang Shipping (601083.SH) reported a remarkable 64% year-on-year increase in net profit for Q3, outperforming peers [7] Group 8: Retail Sector - China Duty Free Group (601888.SH) is experiencing a recovery in duty-free sales, benefiting from increased domestic tourism and expectations of policy support [7] Group 9: Agriculture Sector - Tian Kang Biological (002100.SZ) is positioned to benefit from rising pig prices as the industry undergoes capacity reduction, potentially enhancing profitability [8] Group 10: Electronics Sector - Huadian Co., Ltd. (002463.SZ) is experiencing high growth in server switch business driven by AI demand, with ongoing capacity expansion and improved profitability [8]