根据《中华人民共和国证券投资基金法》《公开募集证券投资基金运作管理办法》《财通福盛多策略混 合型发起式证券投资基金（LOF）基金合同》（以下简称"《基金合同》"）的有关规定，现将财通福盛 多策略混合型发起式证券投资基金（LOF）（以下简称"本基金"）基金份额持有人大会的决议及相关事 项公告如下： 一、本基金基金份额持有人大会会议情况 财通基金管理有限公司（以下简称"本基金管理人"）组织召开了本基金基金份额持有人大会，对《关于 持续运作财通福盛多策略混合型发起式证券投资基金（LOF）的议案》（以下简称"《议案》"）所涉事 项进行表决。 会议投票表决时间自2025年9月25日起至2025年10月31日17:00止（投票表决时间以本次大会指定的收件 人收到表决票时间为准）。2025年11月3日，在本基金的基金托管人中国工商银行股份有限公司授权代 表的监督下，本基金管理人对本次大会表决进行了计票，上海源泰律师事务所对计票过程进行了见证， 上海市东方公证处对计票过程及结果进行了公证。 本次基金份额持有人大会的权益登记日为2025年9月24日，权益登记日登记在册的本基金全体基金份额 持有人或其授权的代理人均有权参加本次基 ...

本报讯（记者 杨天悦）11月1日，财政部、国家税务总局发布《关于黄金有关税收政策的公告》。受新 政影响，昨天多家黄金品牌首饰金价上调5%至6%，部分品牌投资金价也出现6%左右的涨幅，部分银行 暂停办理个人黄金积存兑换实物相关业务。 业内人士认为，涨价或与黄金税收新政策有关。新政规定，通过上海黄金交易所、上海期货交易所交易 标准黄金，未发生实物交割出库的，交易所免征增值税；发生实物交割出库的，投资性用途的增值税即 征即退，非投资性用途的免征增值税，买方按照6%扣除率计算进项税额。 受新税收政策影响，部分银行也暂停受理积存金相关业务。昨天，工商银行发布公告称，受宏观政策影 响，根据工行风险管理要求，自2025年11月3日起，工行暂停受理如意金积存业务的开户、主动积存、 新增定期积存计划以及提取实物的申请，存量客户处于有效期内的定期积存计划的执行以及办理赎回、 销户不受影响。 同日，建设银行也发布公告，自2025年11月3日（含）起，建行暂停受理易存金业务实时买入、新增定 投买入、实物金兑换等申请，存量客户易存金定投计划的执行、赎回以及销户不受影响；暂停个人黄金 积存兑换实物贵金属、账户黄金兑换实物贵金属等申请，其 ...

Core Viewpoint - Major state-owned banks, including Industrial and Commercial Bank of China (ICBC) and China Construction Bank (CCB), have suspended certain gold accumulation services due to macroeconomic policy changes and fluctuations in gold prices, indicating a need for risk management adjustments in the banking sector [1][2][3]. Group 1: Business Adjustments - ICBC announced the suspension of its "Ruyi Gold Accumulation" services, including real-time purchases and physical gold exchanges, effective November 3, but later restored these services on the same day [1][2]. - CCB also suspended its "Easy Storage Gold" services for real-time purchases and physical gold exchanges, while existing customers' plans remain unaffected [2][3]. - Banks are raising investment thresholds for gold accumulation services; for instance, ICBC increased the minimum investment from 850 yuan to 1000 yuan, while other banks like Industrial Bank and Bank of Communications have also adjusted their purchasing rules [3]. Group 2: Market Conditions - The recent adjustments by banks are attributed to new tax policies on gold and significant fluctuations in international gold prices, which have increased market risks and uncertainties [3]. - The volatility in gold prices has prompted banks to issue risk warnings, advising investors to be cautious and manage their positions effectively [4]. Group 3: Investor Guidance - Banks have been actively reminding investors to enhance their risk awareness and to rationally control their investment positions in light of the increased volatility in gold prices [4]. - Experts suggest that while short-term adjustments in gold prices may occur, there remains potential for a rebound in the medium to long term [5].

Core Viewpoint - Major Chinese banks, including Industrial and Commercial Bank of China (ICBC) and China Construction Bank (CCB), have suspended certain gold accumulation services due to macroeconomic policy changes and fluctuations in gold prices, indicating a need for risk management adjustments in the banking sector [1][2]. Group 1: Bank Actions - ICBC announced on November 3 that it would temporarily suspend applications for its "Ruyi Gold Accumulation" services, including real-time purchases and physical gold exchanges, due to macro policy impacts [1]. - Later that day, ICBC stated it had resumed accepting applications for its gold accumulation services, allowing customers to manage their investments through various channels [1]. - CCB also announced a suspension of its "Easy Gold" services, including real-time purchases and physical gold exchanges, while existing customers' plans would remain unaffected [2]. Group 2: Market Conditions - The adjustments by banks are attributed to recent announcements from the Ministry of Finance and the State Administration of Taxation regarding changes in gold-related tax policies, necessitating operational adjustments [2]. - Additionally, global economic conditions have led to significant fluctuations in international gold prices, increasing market risks and uncertainties [2]. Group 3: Investment Thresholds - In response to the volatile gold market, some banks have raised the minimum investment thresholds for gold accumulation services. For instance, ICBC increased its minimum investment from 850 yuan to 1000 yuan starting October 13 [2]. - Similarly, Industrial Bank announced a change in its investment threshold from 1000 yuan to 1200 yuan for certain gold accumulation products [2]. Group 4: Risk Management - Banks have issued warnings to investors regarding the heightened risks associated with gold investments due to increased price volatility since October [3]. - Both ICBC and CCB have advised customers to enhance their risk awareness and manage their investment positions carefully in light of the current market conditions [3].

Core Viewpoint - The recent suspension and subsequent resumption of gold accumulation services by major banks, specifically Industrial and Commercial Bank of China (ICBC) and China Construction Bank (CCB), reflect a response to new tax policies and market risks affecting the gold investment landscape [1][2][3]. Summary by Sections Business Adjustments - On November 3, ICBC and CCB announced the suspension of their gold accumulation services, including new account openings and physical gold withdrawals, effective immediately [1][2]. - Later that evening, ICBC reversed its decision and resumed the acceptance of gold accumulation services [3]. Regulatory Impact - The adjustments are primarily driven by new gold tax regulations that require banks to differentiate between investment and non-investment purposes during physical delivery, leading to increased compliance burdens [3][5]. - The banks are also managing operational costs and tax risks associated with physical gold transactions, which involve complex invoice management and customer usage identification [3]. Market Considerations - The suspension of services is seen as a measure to alert investors to manage their holdings and enhance risk awareness amid increasing market volatility [3]. - The recent increase in minimum purchase thresholds for gold accumulation services by several banks indicates a trend towards stricter customer screening and transaction control [5]. Future Outlook - The potential for other banks to follow suit in suspending gold accumulation services depends on their business structures and the proportion of physical deliveries [7]. - If more banks tighten their gold accumulation services, it may lead to a shift in personal investment channels away from banks, although the overall impact on gold prices and market liquidity is expected to be limited [6][7].

同日，建设银行也发布公告，自2025年11月3日（含）起，建行暂停受理易存金业务实时买入、新增定 投买入、实物金兑换等申请，存量客户易存金定投计划的执行、赎回以及销户不受影响；暂停个人黄金 积存兑换实物贵金属、账户黄金兑换实物贵金属等申请，其他个人黄金积存业务不受影响。 同时，两家银行均表示，相关业务恢复事宜，请关注银行后续公告。 今天（11月3日），工商银行发布公告，表示受宏观政策影响，根据工行风险管理要求，自2025年11月3 日起，工行暂停受理如意金积存业务的开户、主动积存、新增定期积存计划以及提取实物的申请，存量 客户处于有效期内的定期积存计划的执行以及办理赎回、销户不受影响。 ...

Core Viewpoint - Non-interest income is a crucial component of banks' revenue structure, reflecting operational resilience amid pressure on net interest income. The performance of non-interest income among 42 listed banks in A-shares for the first three quarters shows a total of 1.22 trillion yuan, a year-on-year increase of 583 billion yuan, representing a growth rate of 5% [1][2]. Summary by Category Non-Interest Income Growth - In the first three quarters, 18 banks reported year-on-year growth in non-interest income, with 16 banks increasing the proportion of non-interest income in total revenue [1][2]. - Notably, Zijin Bank, Changshu Bank, and Zhangjiagang Bank, all located in Jiangsu, exhibited remarkable growth rates of 54%, 35%, and 22%, respectively, contributing significantly to their total revenues [2][3]. Performance of Different Bank Types - Among the six major state-owned banks, all reported year-on-year growth in non-interest income, with five achieving double-digit growth rates. In contrast, only one national joint-stock bank saw an increase [2][3]. - The non-interest income growth rates for major state-owned banks were as follows: Agricultural Bank (21%), Postal Savings Bank (20%), Bank of China (16%), China Construction Bank (14%), and Industrial and Commercial Bank (11%) [2]. Fee and Commission Income - The total net fee and commission income for the 42 listed banks reached 578.2 billion yuan, a year-on-year increase of 4.6%, with over 60% of banks reporting growth in this area [4][5]. - Noteworthy increases in fee and commission income were observed in Changshu Bank and Ruifeng Bank, with growth rates exceeding 364% and 162%, respectively [5]. Investment Income Trends - The total investment net income for the listed banks was 477 billion yuan, reflecting a year-on-year growth of 21%, although this growth rate has slowed compared to the previous year's 24% [6]. - The investment income of many banks was impacted by fluctuations in the bond market, particularly affecting smaller banks such as city commercial banks and rural commercial banks [6].

"为什么工商银行金条买不了了？" 今天，很多人登录工商银行APP办理如意金业务时发现，开户、积存和提取金条业务已经暂停。而各种规格的实物金条在几分钟内被抢购一空。 不少网友今早发帖感叹，"一打开App就没了"。有人晒图表示，只抢到了200g的金条（价值18.5万元）。 工行暂停如意金业务 今天一早，工商银行发出了《暂停受理部分如意金积存业务申请的公告》，公告说，受宏观政策影响，根据我行风险管理要求，自2025年11月3日起，我 行暂停受理如意金积存业务的开户、主动积存、新增定期积存计划以及提取实物的申请，存量客户处于有效期内的定期积存计划的执行以及办理赎回、销 户不受影响。 今天也是黄金税收政策实施的第一个工作日，包括老铺黄金、周大福、六福集团在内的港股黄金品牌集体大跌超过7%，其中截至发稿六福集团跌超8%。 白马珠宝黄金每克涨了59元 黄金珠宝股集体大跌 11月1日，财政部、税务总局发布关于黄金有关税收政策的公告。 除了暂停部分如意金积存业务，工行各个规格的实物金条被抢购一空。有网友发现，前后只有4分钟时间。目前杭州地区也处于"该商品暂时无货"状态。 建行的大克重实物金条早上还有现货，截至发稿前已经下架，目 ...

Core Insights - Non-interest income is a crucial component of banks' revenue structure, especially under pressure on net interest income, reflecting operational resilience [1] - In the first three quarters of this year, 42 listed banks in A-shares reported a total non-interest income of 1.22 trillion yuan, an increase of 58.3 billion yuan, or 5% year-on-year [1] - The growth in non-interest income is driven by the performance of wealth management businesses and the overall market activity, although investment income has been affected by fluctuations in the bond market [1][6] Non-Interest Income Growth - Among the 42 listed banks, 18 reported a year-on-year increase in non-interest income, with 16 banks seeing an increase in the proportion of non-interest income in total revenue [1][2] - Notably, Zijin Bank, Changshu Bank, and Zhangjiagang Bank, all from Jiangsu, showed remarkable growth rates of 54%, 35%, and 22% respectively, contributing significantly to their total revenues [2] - State-owned banks demonstrated strong growth in non-interest income, with Agricultural Bank, Postal Savings Bank, Bank of China, China Construction Bank, and Industrial and Commercial Bank reporting double-digit growth rates [2][3] Fee and Commission Income - The total fee and commission income for the 42 listed banks reached 578.2 billion yuan, a year-on-year increase of 4.6%, with over 60% of banks reporting growth [4][5] - Notable increases in fee and commission income were observed in Changshu Bank and Ruifeng Bank, with growth rates exceeding 364% and 162% respectively [4] - State-owned banks also reported growth in fee and commission income, with major banks like China Merchants Bank seeing a 0.9% increase, driven by significant growth in various subcategories of income [5] Investment Income Trends - The investment net income for the 42 listed banks totaled 477 billion yuan, reflecting a year-on-year growth of 21%, although this growth rate has slowed compared to the previous year [6] - The fluctuations in the bond market have particularly impacted the investment income of smaller banks, such as city commercial banks and rural commercial banks [6] - Analysts suggest that differences in client bases and operational strategies between state-owned and smaller banks are influencing their respective non-interest income growth [3][6]

智通财经记者 胡志挺 11月3日晚间，中国工商银行发布公告称，该行现已恢复受理如意金积存业务的开户、主动积存、新增 定期积存计划以及提取实物的申请。客户可通过该行营业网点、中国工商银行APP等渠道办理各类如意 金积存业务。同时，建议客户关注黄金市场波动，提高风险防范意识，守护自身资产安全。 有业内人士向智通财经表示，上周末财政部和税务总局发布有关黄金税收政策的新规，涉及相关税收调 整，系统也要随之升级改造 今日早间，工行公告称，受宏观政策影响，根据该行风险管理要求，自2025年11月3日起，工行暂停受 理如意金积存业务的开户、主动积存、新增定期积存计划以及提取实物的申请，存量客户处于有效期内 的定期积存计划的执行以及办理赎回、销户不受影响。 ...