近年来，该行积极响应国家关于适老化服务的号召，进行了无障碍改造，使农村老年客户也能享受到便 捷高效的金融服务。服务无小事，细节见真情。未来，该行将继续优化适老服务措施，让每一位客户都 能体会到金融服务的温馨。 业务办理结束后，工作人员还向老人家属详细介绍了银行的上门服务政策："对于年长、行动不便的客 户，我们可以提供预约上门服务，今后无需亲自跑网点。"同时，耐心指导家属使用手机银行简易版操 作，并发放了大字版的操作指南，方便老人在家办理简单的业务。一条平坦的无障碍通道，一段悉心的 全程陪伴，让九十多岁的轮椅老人陈爷爷在顺利办理完业务后，紧握工作人员的手感慨道："现在的银 行服务真是太贴心了，我们老年人出门办事不再困难！" 江南时报讯 近日，在工商银行南通三和支行门前，一位坐着轮椅的老人在家属的陪同下显得有些犹 豫。大堂经理见状，立刻热情地趋前询问是否需要帮助。工作人员发现无障碍通道被客户车辆占用，便 迅速采取措施，确保老人顺畅通过通道，进入营业大厅。这一过程平稳而流畅，打消了家属对轮椅难以 通行的顾虑。 踏入大厅后，网点立刻启动了专为老年人设计的适老服务流程。工作人员迅速开设爱心窗口，优先为老 人办理业务，免 ...

"密码重置关乎账户安全，必须守住制度红线，但特殊情况更要多替群众着想。"工作人员说。结束上门 核实后，他们又马不停蹄陪同家属返回网点，快速办完后续手续——随着老人的存款顺利取出，老人的 子女连连道谢。 既要守牢风险底线，又要传递服务温度。工商银行南通启东支行始终针对年老、重病等特殊群体制 定"特事特办"机制，用一次次上门服务、一件件暖心事，把金融服务的"方便之门"开到群众心坎上。 江南时报讯 "真是帮了大忙！有这笔钱，老人后续治疗就不用愁了！"看着存款顺利取出，工商银行南 通启东人民东路支行内，张大爷家属紧紧握住工作人员的手，语气里满是感激。这温暖的一幕，源于一 次"特事特办"的上门服务。 日前，网点接到一位客户求助：家中老人因卧病在床行动不便，存单密码却因多次输错被锁定，急需用 钱支付医疗费和维持日常开支，可老人没法到网点办理业务，一家人着急得很。 群众的急事就是金融服务的"要事"。网点立刻启动应急预案，第一时间与老人子女沟通细节，两名工作 人员带上业务材料，专程驱车赶往老人家中。进门后，工作人员没有急于办事，先轻声安抚老人情绪， 耐心说明来意；随后严格按照"双人、现场、见证"规范，仔细确认老人神志清醒、重 ...

Core Viewpoint - The article emphasizes the importance of the "Three Autumns" production in ensuring a bountiful harvest and completing annual grain tasks, highlighting the financial support provided by Shandong Industrial and Commercial Bank (ICBC) to facilitate this process [1] Group 1: Strengthening Credit Support - Shandong ICBC is closely integrating short-term financial support for the "Three Autumns" with long-term rural revitalization strategies, increasing agricultural credit to solidify agricultural infrastructure [2] - As of the end of September, the bank's agricultural loan balance exceeded 360 billion yuan, an increase of 42 billion yuan since the beginning of the year, providing robust support for "Three Autumns" production and sustainable agricultural development [2] Group 2: Innovative Financial Products - To address the diverse and frequent financing needs of "Three Autumns" production entities, Shandong ICBC has launched over 40 specialized financing solutions, including "Farming Quick Loan," "Agricultural Input Loan," "Grain Purchase and Sale Loan," and "Agricultural Machinery Loan" [4] - The bank has promoted online products like "Planting e-loan," covering over 100 types of crops with a maximum limit of 3 million yuan, effectively solving issues related to financing difficulties and delays [4] - By the end of September, the balance of inclusive agricultural financing solutions exceeded 7 billion yuan, reflecting a growth of 2.8 billion yuan and a 61% increase [4] Group 3: Integrated Service Channels - Shandong ICBC is innovating service formats to extend financial service reach in rural areas, creating an integrated service network that combines online and offline resources [6] - Utilizing a service model that includes county outlets, service points, mobile banking vehicles, and the "ICBC Rural Service" app, the bank aims to make financial services easily accessible for agricultural operators [6] - The bank is exploring partnerships with grassroots cooperatives to enhance service coverage and accessibility in rural markets [6] Group 4: Future Plans - Shandong ICBC plans to continue engaging with rural communities to understand their needs, focusing on the subsequent phases of "Three Autumns" production and future agricultural development [8] - The bank aims to establish a comprehensive financial service system that includes pre-research, in-process support, and post-tracking to contribute to national food security and rural revitalization efforts [9]

Investment Rating - The industry investment rating is "Positive" (maintained) [1] Core Viewpoints - The banking sector is experiencing a shift towards "wealthization" of deposits, indicating a change in customer behavior and banking operations [9] - The report highlights a divergence in bank operations, with some banks benefiting from enhanced funding attributes while others struggle [8] - The overall sentiment in the banking sector is improving, with dividend yields becoming attractive again after a period of adjustment [9] Summary by Sections Financial Data Analysis - In September, M1 growth was 7.2%, up 1.2 percentage points from the previous month, while M2 growth decreased to 8.4%, down 0.4 percentage points [5] - Social financing (社融) increased by 3.53 trillion yuan in September, with a year-on-year decrease of 229.7 billion yuan, resulting in a stock growth rate of 8.7% [6] - New RMB loans in September amounted to 1.29 trillion yuan, a year-on-year decrease of 300 billion yuan, with a balance growth rate of 6.6% [7] Banking Sector Insights - The report indicates that banks are focusing on a "quantity-price balance" in credit issuance, with a continued trend towards the "wealthization" of deposits [8] - The contribution of funding business to revenue has increased for most state-owned banks, except for Industrial and Commercial Bank of China [23] - The report suggests that banks with a more market-oriented approach and comprehensive licenses will have a competitive advantage in the evolving landscape [8] Investment Recommendations - The report recommends focusing on banks that are well-positioned to benefit from the wealthization of deposits, highlighting specific banks such as China Merchants Bank and Industrial Bank [9] - It emphasizes the attractiveness of H-shares over A-shares in terms of value [9]

2025年，在中国人民银行广东省分行的指导下，中国人民银行云浮市分行以全国中小微企业资金流信用 信息共享平台为核心抓手，围绕消费激活、县域振兴、绿色转型等重点领域，创新推出"资金流数据穿 透+产业适配"型金融产品，推动金融资源的精准配置、产业动能的有效激活与风险防控的智能升级， 尝试探索数据赋能金融服务实体经济的"云浮路径"。 位于广东省中西部的云浮市在坚实的产业土壤上生长出众多充满活力的中小微企业。然而，与产业 的"厚重"相比，企业在融资方面迫切需要"轻盈"的解决方案——缺抵押、缺信用、缺信息曾让他们的融 资需求难以得到有效满足。如今，这一局面正迎来深刻转变。 2025年，在中国人民银行广东省分行的指导下，中国人民银行云浮市分行以全国中小微企业资金流信用 信息共享平台（以下简称"资金流信息平台"）为核心抓手，围绕消费激活、县域振兴、绿色转型等重点 领域，创新推出"资金流数据穿透+产业适配"型金融产品，推动金融资源的精准配置、产业动能的有效 激活与风险防控的智能升级，尝试探索数据赋能金融服务实体经济的"云浮路径"。截至2025年8月末， 云浮辖内6家试点金融机构依托资金流信息平台查询信息1439笔，发放贷款6 ...

Core Viewpoint - The recent surge in gold prices has led multiple banks to raise the minimum purchase amount for gold accumulation products, reflecting increased market volatility and risk [1][2][3]. Group 1: Gold Price Surge - Gold prices have reached historical highs, with COMEX gold surpassing $4200 per ounce and a year-to-date increase of over 52% [1][5]. - The domestic gold price also showed strong performance, with the Shanghai Gold Exchange reporting a peak of 960 yuan per gram [5][6]. Group 2: Bank Adjustments - China Bank announced an increase in the minimum purchase amount for gold accumulation products from 850 yuan to 950 yuan, effective October 15 [2][3]. - Industrial and Commercial Bank of China and Ningbo Bank have also raised their minimum purchase amounts to 1000 yuan, while maintaining the minimum weight for purchases at 1 gram [2][3][4]. - These adjustments are aimed at protecting investors and managing market risks amid heightened volatility in gold prices [1][3][4]. Group 3: Market Risks and Investor Guidance - Analysts indicate that the recent adjustments by banks are a response to the rapid increase in gold prices and serve as a risk warning for investors [4][6]. - Investors are advised to be cautious, control their positions, and consider gradual investments during price corrections rather than making large, one-time purchases [7]. - The ongoing geopolitical tensions and economic uncertainties are expected to keep gold prices volatile, reinforcing its status as a safe-haven asset [6][7].

受访人士表示，商业银行此次集中调整黄金积存业务门槛、密集释放风险提示，核心动因在于当前黄金 价格波动幅度加大、投资风险显著上升。这一系列举措既是为投资者敲响风险警钟，也能引导其结合自 身情况合理配置黄金资产，避免盲目入场。 购买起点提高至1000元 10月14日，中国银行发布公告称，将于10月15日起调整积存金产品的购买条件：按金额购买积存金产品 或创建积存定投计划时，最小购买金额由850元调整为950元，追加购买金额维持200元整数倍不变。 本报记者 彭妍 10月份以来，国际金价仍持续攀升，在市场风险加剧的背景下，多家银行近期密集调整个人贵金属业务 规则：一方面集中上调黄金积存业务起购门槛，部分银行已将起购门槛提升至1000元；另一方面同步发 布风险提示，引导投资者警惕贵金属价格波动可能带来的投资风险。 警惕技术面回调压力 进入10月份，国际金价延续9月涨势。伦敦现货黄金价格呈阶梯式突破，截至北京时间10月15日记者发 稿，伦敦现货黄金报价达4200.21美元/盎司，短期内连续刷新阶段新高。 对于金价持续上涨的原因，中信证券首席经济学家明明在接受《证券日报》记者采访时表示，美国长期 高通胀与其财政持续扩张的 ...

（原标题：沙迦政府授权发行熊猫债券） ZAWYA新闻网10月10日消息，沙迦政府已通过其财政部（评级为Ba1/BBB-/AAA）授权多家银行 发行熊猫债券。中国银行担任主承销商和账簿管理人。法国农业信贷银行（中国）、摩根大通（中 国）、中国工商银行、中国渤海银行、中信证券、中国进出口银行和申万宏源证券担任联席主承销商和 账簿管理人。沙迦政府上一次进入熊猫债券市场是在2018年2月，发行了20亿元人民币（3.16亿美 元），成为首个进入中国国内债券市场的中东发行人。 ...

Core Viewpoint - The gold recovery business is experiencing a surge due to rising gold prices, prompting many customers to sell their gold items for cash [2][4]. Group 1: Gold Prices and Recovery Trends - On October 15, the gold recovery prices were reported at 944 CNY per gram for gold bars and 934 CNY per gram for gold jewelry, coinciding with a record high in spot gold prices [1]. - The gold recovery market is heating up, with various channels available for consumers, including brand gold stores, pawn shops, banks, and online platforms [2]. - Brand gold stores have seen significant price increases, with prices for gold jewelry rising over 60 CNY per gram within just six days [3]. Group 2: Consumer Experiences and Insights - A consumer reported selling a 30-gram gold jewelry piece purchased at approximately 600 CNY per gram for a recovery price of over 900 CNY per gram, resulting in a profit of nearly 10,000 CNY [4]. - Recovery prices have increased by over 100 CNY per gram in the past month, with a notable rise of about 20 CNY from October 14 to October 15 [4]. - Consumers are advised to choose appropriate recovery channels based on their individual situations, as different channels have varying policies that can affect final recovery earnings [7]. Group 3: Recovery Process and Consumer Cautions - The recovery process involves verifying the gold's authenticity and weight, with payments made directly to the customer's bank account [7]. - Consumers are warned about potential scams in the gold recovery market, particularly with door-to-door services that may involve inflated prices and deceptive practices [8]. - The Anhui Consumer Protection Committee has received complaints regarding fraudulent gold recovery practices, emphasizing the importance of using reputable recovery channels [8].

工商银行今年以来也已经历了四次上调积存金门槛，购买积存金的门槛已累计上调了350元。 "银行此举是国际金价持续飙升背景下的必然风控应对。面对金价快速上行，银行通过提高起购金额来适度 平抑市场过热情绪，防范因价格剧烈波动可能引发的潜在交易风险。这既是遵循《黄金积存业务管理暂行办 法》的合规操作，也是对投资者的一种保护措施。在价格高位阶段提升门槛，有助于引导客户理性决策，避 免因盲目追涨而遭受损失，这体现了金融机构在市场异常波动时的责任担当。"苏商银行特约研究员武泽伟 在接受记者采访时表示。 近期，在持续突破4000美元/盎司、4100美元/盎司历史大关之后，COMEX黄金的价格终于也突破4200美元/ 盎司大关。截至记者发稿时，COMEX黄金最高触及4252.20美元/盎司，当天最高涨幅1.7%；10月以来， COMEX黄金的价格已累计涨幅7.49%。此外，伦敦现货黄金突破4200美元/盎司关口，最高触及4200.23美元/ 盎司，最高涨幅1.4%。 随着国际金价再创新高，10月15日国内黄金首饰的克价也继续"水涨船高"，一夜大涨数十元。（新华） 【深圳商报讯】（首席记者 谢惠茜）10月15日，国际金价再创历史 ...