文/梧桐数据中心 据同花顺数据统计，有5405家A股上市公司披露了2024年末在职员工人数，共有2771家上市公司的员工人数实现增长，26家上市公司的 员工人数保持不变，2604家上市公司的员工人数同比减少（另有4家公司未披露2023年年末员工人数，未统计2024年同比情况）。其中， 比亚迪（002594）是2024年员工人数增加最多的A股上市公司，由2023年的70.34万人增长至96.89万人，同比增长26.54万人。 2024年末员工人数 最多 的前十家A股上市公司分别为：比亚迪（968872人）、中国移动（455405人）、农业银行（454716人）、工商银 行（415159）、建设银行（376847人）、中国石油（370799人）、中国建筑（361249人）、中国石化（355952人）、中国银行（312757 人）、中国中铁（297359人）。 | 排名 | 股票代码 | 股票简称 | 在职员工人数 | 在职员工人数 | 同比增长(人) | | --- | --- | --- | --- | --- | --- | | | | | (人)2024.12.31 | (人)2023.12.31 | | ...

Core Viewpoint - The launch of the "Silver Futures Insurance" project for soybean cultivation in Beian, Heilongjiang Province, marks the third consecutive year of successful implementation by COFCO Futures, injecting financial momentum into the local soybean industry and supporting agricultural efficiency and farmer income [1][2]. Group 1: Project Overview - The "Silver Futures Insurance" project covers approximately 70,000 acres of soybean planting with a spot volume of about 12,000 tons [1]. - The project involves collaboration among multiple futures companies, insurance companies, and the Industrial and Commercial Bank of China (ICBC) to design risk management solutions [1]. - The project creates a comprehensive service loop from "planting—harvesting—selling," providing farmers with dual protection against natural disasters and market price fluctuations [1]. Group 2: Financial Support and Mechanism - ICBC provides supporting credit to meet the funding needs for land transfer and agricultural inputs, enhancing the efficiency and effectiveness of financial services in the agricultural sector [1]. - The innovative design of the project, particularly the "grain payment direct repayment" mechanism, offers strong risk mitigation for banks, ensuring the safety of credit funds [1]. - The project has cumulatively covered 245,000 acres of soybean planting since its inception, with a total credit amount exceeding 70 million yuan [2]. Group 3: Impact and Future Prospects - The project has validated the viability and adaptability of the "insurance + futures" model in major soybean production areas, enhancing service efficiency and precision [2]. - The comprehensive safety net constructed through "insurance + futures" and "orders + credit" addresses income instability and production-sales funding challenges for cooperatives [2]. - The initiative supports the national strategy for rural revitalization and aims to enhance soybean production capacity and stabilize the industry [1][2].

Core Viewpoint - The banking sector is moving to regulate high-interest, high-rebate auto loan practices, reducing commission rates significantly to promote sustainable growth in the automotive finance market [1][4][6]. Group 1: Changes in Auto Loan Practices - Agricultural Bank of China has halted high-interest, high-rebate practices, reducing car loan commission from 15% to 5%, leading to decreased subsidies for car prices [1]. - Multiple banks across regions like Beijing, Sichuan, and Henan are adjusting their auto loan commission structures under regulatory guidance, aiming to lower actual loan interest rates and enhance service quality [1][2]. - The shift from "loan 5, full 1" to "loan 5, full 2" or even "loan 5, full 3" indicates a tightening of loan terms, reflecting banks' inability to sustain previous subsidy levels [2][5]. Group 2: Market Dynamics and Competition - Auto dealers are incentivized to promote loans due to bank commissions, allowing them to offer lower prices and interest rates to customers [2][3]. - The competitive landscape is characterized by banks attempting to rapidly grow personal loan volumes through high commissions, which is not a sustainable strategy [3][4]. - The prevalence of similar financial products among banks has led to intensified competition, with many banks adopting high-rebate strategies to capture market share [4][6]. Group 3: Regulatory and Self-Regulatory Measures - The Sichuan Banking Association has initiated a self-regulatory agreement to optimize cooperation with auto dealers, aiming to lower actual interest rates and establish reasonable commission rates [6][7]. - Other regional banking associations are also promoting self-regulatory agreements to protect consumer rights and ensure high-quality development in the automotive finance sector [7]. - Regulatory bodies have mandated financial institutions to rectify high-interest, high-rebate practices and adhere to self-regulatory standards to maintain market order [7].

以下文章来源于阿尔法工场金融家 ，作者银妹妹 阿尔法工场金融家 . 追踪保险银行业圈内动态，剖析最新风向，分享有料、有价值的"内行人"洞察见解。 国有四大行分行行长，为何齐齐折戟于浙江？ 5 月 30 日，根据中央纪委国家监委官网信息，中国工商银行浙江分行原党委书记、行长 沈荣勤涉嫌严重违纪违法，目前正接受调查。 沈荣勤是原 工商银行 （ 601398.SH ）浙江省分行行长。沈荣勤之外，过去一年余时间 里，郭心刚、高强、冯建龙等中国银行（ 601988.SH ） 、建 设银行（ 601988.SH ） 和农业银行（ 601288.SH ）浙江省分行 的三位原行长已接连落马。 就在四位行长落马前一年， 202 3 年 5 月， 原浙 江省副省长朱从玖因涉嫌严重违纪违 法接受调查，后因受贿罪被判处无期 徒刑。 业内人士透露， 沈荣勤与朱从玖私交甚笃 —— 朱 还 曾为沈荣勤出版的书籍 《大银行 小掌柜》作序。 作者 | 银妹妹 来源 | 阿尔法工场金融家 导 语：原工行浙江分行行长沈荣勤，中行、建行、农行浙江分行原行长郭心刚、高强与冯建龙 接连落马。 在朱从玖分管 浙江省 金融 工作的时期，上述 四位行长 也同 ...

股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 | 1. 股份分類 | 普通股 | 股份類別 | H | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 01398 | 說明 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 86,794,044,550 | RMB | | 1 RMB | | 86,794,044,550 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 86,794,044,550 | RMB | | 1 RMB | | 86,794,044,550 | | 2. 股份分類 | 普通股 | 股份類別 | A | | 於香港聯交所上市 (註1) | | 否 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- ...

长江电力 东方财富 02)中国核电 1951.90亿市值 7330.68亿市值 3284.08亿市值 15.40亿成交额 4.28亿成交额 23.58亿成交额 20.78 29.96 9.49 -0.24(-0.79%) -0.09(-0.94%) +0.16(+0.78%) 食品饮料 证券 中信证券 国泰海通 海天味业 ■双 3808.88亿市值 3169.82亿市值 2455.01亿市值 9.24亿成交额 19.31亿成交额 3.88亿成交额 25.70 17.98 44.15 +0.18(+0.71%) +0.80(+4.66%) -0.27(-0.61%) 消费电子 化学制药 恒瑞医药 立讯精密 工业富联 3747.37亿市值 2201.05亿市值 3663.63亿市值 5.37亿成交额 11.33亿成交额 15.91亿成交额 55.48 30.37 18.87 -0.06(-0.32%) -0.03(-0.10%) +0.74(+1.35%) 家电行业 农牧饲渔 牧原股份 格力电器 海尔智家 油气长官 2525.11亿市值 2326.02亿市值 2241.92亿市值 23.68亿成交额 5.79亿成 ...

Core Viewpoint - The joint issuance of policies by multiple government departments aims to accelerate the construction of a technology finance system that supports high-level technological self-reliance and innovation, providing comprehensive financial services throughout the lifecycle of technology innovation [1][2]. Group 1: Innovation Financial Support - The "Innovation Points System," introduced by the Ministry of Science and Technology in 2022, evaluates the innovation capabilities and potential of technology enterprises through structured indicators and data, helping financial institutions accurately identify innovative companies [2]. - Banks are encouraged to utilize the innovation points to enhance the first loan rate for technology enterprises, thereby providing tailored financial support and lowering the barriers for initial loans [2][3]. Group 2: Case Studies of Financial Institutions - The Hefei branch of Industrial and Commercial Bank has integrated the local "Innovation Points System" database with its credit system, allowing companies with a score of 60 or above to apply for specialized financial products with loan amounts up to 10 million yuan online and 20 million yuan offline [3]. - Agricultural Bank of Jiangsu Province provided a new loan of 100 million yuan to a technology enterprise based on its innovation points, demonstrating a flexible approach to credit assessment [3]. Group 3: Risk Sharing Mechanisms - Establishing a risk-sharing mechanism for technology finance is crucial for supporting technology enterprises, with plans for a special guarantee program for technology innovation [4]. - Banks are enhancing their risk management capabilities and developing differentiated assessment systems that focus on innovation factors suitable for technology enterprises [4][5]. Group 4: Innovative Loan Models - Qingdao has introduced a patent pledge insurance loan model, where the risk is shared among banks, insurance companies, and guarantee companies, addressing the issue of insufficient collateral for technology enterprises [5]. - The collaboration model of "bank + government financing guarantee + enterprise" is encouraged to provide stronger risk mitigation support for enterprises [5].

Group 1 - The article highlights the importance of supporting small and micro enterprises in the agricultural sector to enhance food production and improve the livelihoods of farmers and consumers [1] - Industrial and Commercial Bank of China (ICBC) has been actively involved in providing financial support to agricultural enterprises through various loan products tailored to their specific needs [2][3] - The case of a pig breeding company in Chongqing illustrates how ICBC provided a 5 million yuan loan to facilitate the upgrade of feed quality and breed improvement, contributing to the establishment of a national-level pig industry cluster [1] Group 2 - In Shaanxi, a meat sandwich factory has expanded significantly, producing 250,000 dough pieces daily, and received a 3 million yuan loan from ICBC to invest in a new automated production line [2][3] - A poultry farming company in Jiangxi plans to increase its scale from 4 million to 9 million hens within three years and received a 10 million yuan loan from ICBC to support the construction of a smart poultry industry park [3] - ICBC's innovative loan products, such as "Pork Sandwich Specialty Loan" and "Apple Agricultural Loan," effectively meet the diverse financing needs of small and micro customers, stabilizing the food supply chain [3]

Core Insights - The closure of the "10 million deposit for internship opportunities" program by Industrial Bank highlights issues of fair competition, while the private banking sector continues to engage in a "client acquisition war" targeting high-net-worth individuals [2] - Various banks are employing different strategies to attract and retain high-net-worth clients, focusing on services such as education for children and overseas internships [2][3] Group 1: Private Banking Strategies - Industrial Bank's private banking division has apologized and shut down a controversial program, but competition among banks for high-net-worth clients remains intense [2] - CITIC Bank's private banking collaborates with its financial subsidiaries to provide internship resources for high-net-worth clients' children, offering a "1-week training + 2 to 4 weeks internship" opportunity [2] - ICBC's private banking serves over 300,000 clients, with many participating in charitable donations, indicating a trend of high-net-worth individuals engaging in philanthropy [3] Group 2: Growth Metrics - As of the end of 2024, the total number of private banking clients among 13 major banks in China reached 1.7131 million, a year-on-year increase of 254,500 clients, representing a growth rate of 17.4% [6] - ICBC's private banking assets under management (AUM) reached 3.47 trillion yuan by the end of 2024, with a growth rate of 13.2%, leading the industry [6] - The private banking sector is becoming a key growth area for banks amid pressures in retail banking, with Deloitte's report indicating that private banking is crucial for stabilizing short-term performance and optimizing client structure [6] Group 3: Client Demographics and Standards - The threshold for private banking clients is generally set at a financial net asset of 6 million yuan, but banks have varying standards; for instance, China Merchants Bank requires a minimum of 10 million yuan [7][8] - The average asset per private banking client significantly exceeds the minimum threshold, with China Merchants Bank clients averaging over 25 million yuan [8] - High-net-worth families in the Greater Bay Area are substantial, with 510,000 families having assets of 10 million yuan and 30,000 families with assets of 100 million yuan, indicating a large potential for wealth management services [7] Group 4: Evolving Client Needs - There is a noticeable shift in high-net-worth individuals' consumption patterns, with a 12% decline in material consumption and a 2% decrease in the high-end consumer market, prompting a focus on enhancing emotional well-being [9] - The demand for refined services among high-net-worth individuals is diversifying, with increased interest in household services and family advisors, particularly in health-related services [9]

Core Viewpoint - The article discusses the increasing volatility in the bill market, highlighting the shift in banks' reliance on bill financing amid a slowdown in long-term loan growth, indicating a potential shift in credit dynamics [1][5][7]. Group 1: Bill Market Dynamics - The bill discount rates have shown significant fluctuations, with the 6-month national stock bill discount rate rising sharply before falling back to 1.06% by the end of May [2][3]. - The demand for bill financing has increased as banks face pressure in personal credit, leading to a notable rise in bill financing volumes [5][6]. - As of the end of April, the acceptance and discount balances of commercial bills reached historical highs, exceeding 20 trillion yuan and 15 trillion yuan respectively [1][7]. Group 2: Credit Growth Trends - The growth rate of medium and long-term loans has dropped below 10% year-on-year, contrasting with the growth in short-term loans and bill financing, which has seen a rare increase [1][5]. - In April, bill financing reached 834.1 billion yuan, approximately double the average for the same period over the past five years, while short-term loans decreased by 480 billion yuan [5][6]. - The trend of "using bills to fill loans" has become more pronounced, with banks increasingly relying on bill financing as a substitute for traditional loan growth [6][7]. Group 3: Future Outlook - Analysts predict that the demand for effective credit from enterprises may recover in May due to favorable external trade conditions and the impact of recent monetary policy adjustments [4][5]. - The supply of bills in the primary market is expected to remain low at the beginning of June, which may lead to increased competition for available bills [4][5].