【深圳商报讯】（首席记者 谢惠茜）纽约黄金期价近期数次刷新历史纪录，在突破4000美元历史高位 之后，国内多家银行又迅速集体发公告提示风险，并对贵金属业务投资门槛进行调整。 10月10日，建设银行（601939）在其官网发布《关于近期贵金属业务市场风险提示公告》，公告称，由 于"近期国内外贵金属价格波动加剧，市场风险提升。请您提高贵金属业务的风险防范意识，合理控制 仓位，及时关注持仓情况和保证金余额变化情况，理性投资。" 9月3日，上海黄金交易所率先发布关于调整部分合约保证金水平和涨跌停板的通知，对黄金延期品种与 白银延期合约交易保证金水平和涨跌停板比例进行调整，并同时提示风险，要求各会员增强风险防范意 识，做细做好风险应急预案，提示投资者做好风险防范工作，合理控制仓位，理性投资，确保市场稳定 健康运行。 当天，宁波银行（002142）发布公告称，由于近期国内金价波动较大，自9月4日起，将积存金起购金额 从800元提升至900元。 9月4日，中国银行（601988）公告称，将调整代理个人上金所业务项下部分延期合约的交易保证金比例 与涨跌幅度限制。同日，农业银行（601288）也发布公告称，对金市通业务合约涨跌 ...

根据中国工商银行股份有限公司上海市分行与中国中信金融资产管理股份有限公司上海市分公司签署的 《资产转让协议》，中国工商银行上海市分行（含各支行）已将其对下列债务人及其担保人享有的主债 权及担保合同项下的全部权利依法转让给中国中信金融资产管理股份有限公司上海市分公司。中国工商 银行股份有限公司上海市分行与中国中信金融资产管理股份有限公司上海市分公司联合公告通知各债务 人及担保人以及其他相关各方。 注：1.上表仅列示截至2025年6月18日的贷款本金余额、利息以及代垫费用等，借款人和担保人应支付 给中国中信金融资产管理股份有限公司上海市分公司的利息及其他费用按借款合同、担保合同及相关司 法判决、裁定规定计算。2.上表主债务人、担保人等如有疑问，请与工商银行上海市分行或中信金融资 产上海分公司联系。 中国中信金融资产管理股份有限公司上海市分公司作为上述债权的受让方，现公告要求下列债务人及其 担保人，从公告之日起立即向中国中信金融资产管理股份有限公司上海市分公司履行主债权合同及担保 合同约定的偿付义务或相应的担保责任。 特此公告。 中国工商银行股份有限公司上海市分行 中国中信金融资产管理股份有限公司上海市分公司 20 ...

Core Viewpoint - The recent announcement by Bank of China to gradually shut down its "Bountiful Life" app and migrate its functions to the main "Bank of China" app highlights a shift in the credit card app landscape, moving from smaller banks to major state-owned banks amid a backdrop of declining credit card business and cost-cutting measures in the banking industry [1][5][17]. Summary by Sections Credit Card App Shutdown - Bank of China announced the gradual shutdown of its "Bountiful Life" app, which will have all its functions transferred to the main "Bank of China" app [1]. - This trend of shutting down credit card apps is not new, as several banks, including Shanghai Rural Commercial Bank and Beijing Rural Commercial Bank, have previously made similar moves [5]. Market Dynamics - The credit card app market is experiencing increasing differentiation, with a clear ranking in monthly active users [7]. - As of June 2025, the top 20 credit card apps include 5 state-owned banks, 9 joint-stock banks, and 2 city commercial banks, with the highest monthly active users exceeding 14 million for several apps [7][8]. - Bank of China's "Bountiful Life" app had only 1.55 million monthly active users, ranking 13th among state-owned bank credit card apps [7][9]. Credit Card Loan Scale - State-owned banks maintain a significant advantage in credit card loan scales, with China Construction Bank being the only bank with a credit card loan scale exceeding 1 trillion yuan, reaching 1,054.95 billion yuan as of June [10][11]. - Other major state-owned banks also report credit card loan scales above 500 billion yuan, while joint-stock banks like China Merchants Bank show strong performance with a credit card loan balance of 924.49 billion yuan [10][11]. User Engagement and Competition - The focus of credit card apps has shifted from acquiring new customers to retaining existing ones, as many consumers already hold multiple credit cards [14][15]. - The competition for user engagement is intensifying, with various lifestyle service apps entering the market, making it challenging for credit card apps to attract new users [15][19]. Operational Efficiency - The closure of independent credit card apps reflects a broader trend towards centralized management of banking channels [17]. - Regulatory guidance has prompted banks to streamline their mobile applications, focusing on user engagement and operational efficiency [18][19].

从资金流向上来看，当日国有大型银行板块主力资金净流入5.97亿元，游资资金净流出2.4亿元，散户资 金净流出3.57亿元。国有大型银行板块个股资金流向见下表： | 代码 | 名称 | 主力净流入(元) | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入 (元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601288 农业银行 | | 6.07亿 | 15.48% | -2.09亿 | -5.33% | -3.98 Z | -10.15% | | 601328 交通银行 | | 4932.23万 | 3.15% | -5006.66万 | -3.20% | 74.43万 | 0.05% | | 601398 工商银行 | | 2072.15万 | 0.72% | -3229.04万 | -1.12% | 1156.89万 | 0.40% | | 601939 建设银行 | | -631.05万 | -0.50% | 7359.97万 | 5.82% | -6728.92万 | -5.32% | | 601988 ...

Group 1 - The core viewpoint of the articles emphasizes the commitment of the Industrial and Commercial Bank of China (ICBC) Yulin Branch to enhance support for small and micro enterprises through inclusive finance, achieving a record high of 5.018 billion yuan in inclusive loan balances by the end of September 2025 [1] - The bank has developed a financial service network covering 31 core industrial clusters in Yulin, utilizing innovative products like "Transaction e-loan" and "Merchant e-loan" to meet the diverse financing needs of local small and micro enterprises, with over 600 million yuan in new loan disbursements [1][2] - The bank's inclusive loan balance for key industrial parks reached nearly 600 million yuan, benefiting over 200 small and micro enterprises, and it has tailored financial solutions for returning businesses in Yulin, with loan balances exceeding 60 million yuan [2] Group 2 - The bank has launched the "Xingnong e-loan" product system to support the development of local agricultural brands, providing targeted financing for various agricultural sectors, including rice, Shatian pomelo, and pig farming, with significant loan disbursements in these areas [3] - Specific loan amounts include nearly 15 million yuan for Shatian pomelo planting, over 100 million yuan for pig farming, and nearly 300 million yuan for the spice industry chain [3]

此次亿元绿色贷款的精准投放，是工商银行河池分行深耕绿色金融、服务实体经济的生动实践。下一 步，该行将继续坚守服务实体经济的初心，持续深化绿色金融创新，构建更加完善的绿色金融产品和服 务体系，进一步扩大绿色信贷规模，在服务地方绿色发展新征程中展现更大作为。（余婧 董思妗） 编辑：穆皓 组织引领聚合力，完善机制强保障。该行党委坚持把做好金融"五篇大文章"作为践行金融政治性、人民 性的核心任务，建立服务"五篇大文章"工作机制，成立由分行党委书记牵头挂帅的服务金融"五篇大文 章"领导小组，并下设五个专班，定期召开工作沟通会议，了解工作进展情况，及时疏通难点问题，力 争为河池市经济高质量发展提供精准有力的金融服务支持。同时配套建立"信贷优先审批、额度优先保 障、利率优惠定价"机制，确保政策红利高效直达经营主体。 深耕实体细调研，精准滴灌解难题。该行坚守"金融为民"本色，紧密与地方政府部门的沟通联系，及时 获取重点项目情况和重点企业发展需求，实施"名单制"精准对接。在深入园区调研中，获悉广西某生物 质科技有限公司近两年来，受化工产品价格下跌、行业竞争加剧等多重因素影响，谋划绿色发展转型升 级步伐一度因资金短缺而受阻的情况 ...

Core Viewpoint - The recent shutdown of credit card apps, particularly by major state-owned banks like Bank of China, reflects a broader trend in the banking industry towards consolidating digital services and reducing operational costs amid a shrinking credit card business [1][5][16]. Group 1: Credit Card App Shutdowns - Bank of China announced the gradual shutdown of its "Bountiful Life" app, migrating its functions to the main "Bank of China" app, which has drawn market attention [1][4]. - Several banks, including Shanghai Rural Commercial Bank and Beijing Rural Commercial Bank, have previously shut down their credit card apps, indicating a trend towards integrating these services into existing banking apps [5][6]. Group 2: Market Dynamics and User Engagement - The credit card app market is experiencing significant differentiation, with major state-owned banks and some joint-stock banks dominating user engagement metrics [7][8]. - As of June 2025, the top credit card apps by monthly active users include those from major banks, with Bank of China's "Bountiful Life" app ranking 13th with 1.5454 million active users, significantly lower than leading apps [7][8]. Group 3: Credit Card Loan Performance - State-owned banks maintain a strong position in credit card loan volumes, with China Construction Bank reporting a credit card loan scale of 1.0549 trillion yuan, the only bank exceeding 1 trillion yuan [9][10]. - Joint-stock banks also show robust performance, with China Merchants Bank's credit card loan balance reaching 924.49 billion yuan, accounting for 12.99% of its total loans [9][10]. Group 4: Digital Transformation and App Management - The closure of independent credit card apps is part of a broader strategy for centralized management of banking applications, as mandated by regulatory authorities to optimize user experience and reduce redundancy [16][17]. - Banks are increasingly focusing on comprehensive apps that integrate various financial services, moving away from multiple standalone apps to enhance operational efficiency and customer engagement [17].

Core Viewpoint - The banking sector has experienced a notable rebound, with regional banks gaining favor, particularly led by Shanghai Pudong Development Bank, which rose by 5.66% on October 13, amidst a broader market correction [1][2]. Summary by Sections Market Performance - The China Securities Banking Index increased by 0.75% on October 13, with Shanghai Pudong Development Bank leading the gains [1][2]. - Other banks such as Chongqing Rural Commercial Bank and Nanjing Bank also saw significant increases of over 4% and 3%, respectively [1][2]. - In contrast, many state-owned banks experienced declines, with Postal Savings Bank down by 0.88% and Industrial and Commercial Bank down by 0.55% [2]. Investment Trends - The recent rally in bank stocks is attributed to a shift in market sentiment, with funds seeking temporary safe havens, leading to a preference for regional banks over larger state-owned banks [1][5]. - The banking sector has seen a cumulative decline of 14% since July, while the Shanghai Composite Index and CSI 300 Index have risen over 11% and 15%, respectively [3]. Economic Impact - The announcement of additional tariffs on Chinese goods by the U.S. is expected to have a controllable impact on banks, particularly affecting regional banks with higher exposure to foreign trade [6]. - The report from Galaxy Securities suggests that while the overall impact on banks is manageable, regional banks reliant on export-oriented businesses may face increased risks [6]. Future Outlook - Analysts predict that the upcoming dividend distribution period and stable bank performance may present opportunities for a rebound in bank stocks if market sentiment stabilizes [7]. - The banking sector's price-to-book (PB) ratio has fallen to 0.67, indicating potential value for investors, especially given the average dividend yield of state-owned banks at 4.11% [7][8].

10月以来，全球贵金属市场迎来"狂欢时刻"。10月13日，伦敦现货黄金冲破4080美元/盎司，年内涨幅超55%；现货白银历史最高价刷新至51.714美元/盎 司，年内涨幅更突破76%。金价飙升带动国内金饰价格突破1120元/克，社交媒体上"囤金囤银"热潮涌动，投资者跟风追高情绪升温。 在此背景下，建设银行、工商银行、宁波银行等多家银行密集发布贵金属风险提示，已有银行上调贵金属业务投资门槛。分析人士称，银行提高投资门槛、 密集发布风险提示，既能保护普通投资者免受高风险冲击，也能降低银行自身的声誉风险和合规风险。 一路飙升的贵金属 10月以来，全球贵金属市场迎来历史性行情，国际黄金、白银价格接连突破历史关口，涨势之猛、速度之快，超出年初市场预期，上演了一场前所未有 的"贵金属狂欢季"。 "而从白银来看，其具备强商品属性与弱货币属性，从金银比（即每盎司黄金与每盎司白银的价格比值）维度来看，当前该比值处于相对高位。"高政扬进一 步补充道，基于市场"均值回归"逻辑，在黄金价格持续上行的带动下，白银具备补涨需求，推动白银价格不断走高。同时，在中小投资者群体中，白银因单 价低于黄金、投资门槛相对较低，成为配置的重要补充选择 ...

Group 1 - The core viewpoint of the news is the ongoing reform of rural financial institutions in China, particularly the transition of village banks to branches of larger state-owned banks, with recent approvals for Agricultural Bank of China to acquire Zhejiang Yongkang Rural Bank and establish three branches [1][2] - In 2023, three major state-owned banks have participated in the "village to branch" reform, with over 200 rural financial institutions having been reduced this year [1][3] - Agricultural Bank of China has previously engaged in similar acquisitions, including the recent approval to acquire Xiamen Tong'an Rural Bank, indicating a trend of consolidation in the rural banking sector [1][2] Group 2 - The number of banking institutions in China has decreased significantly, with a total of 4,070 institutions reported as of June 2025, down by 225 from the beginning of the year, with rural financial institutions seeing the largest reduction [3] - The restructuring of rural banks is part of a broader initiative by the National Financial Regulatory Administration to address high-risk institutions and promote governance and management reforms [3][4] - Experts suggest that the pace of structural reorganization among village banks will accelerate, with a focus on preventing large banks from exerting a negative impact on smaller banks through non-market behaviors [4]