Core Insights - The article emphasizes the abundance of bank wealth management products with similar names and vague characteristics, urging investors to carefully select and differentiate among them [1] - The South Finance Wealth Management team aims to reduce investors' selection costs by focusing weekly on the performance of wealth management products available through various distribution channels [1] Summary by Category Performance Rankings - The current focus is on the performance of public offering products with a minimum holding period in RMB, categorized by holding periods of 7 days, 14 days, 30 days, and 60 days, with annualized returns as the performance metric [1] - The ranking includes 28 distribution institutions such as Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, and others [1] Product Availability - The list of products is based on their "on-sale" status, which is determined by their investment cycle; however, actual availability may vary due to factors like sold-out quotas or differences in product listings for different customers [1] - Investors are advised to refer to the actual display on the distribution bank's app for the most accurate information [1] Weekly Updates - The article provides a weekly update on the performance of wealth management products, with specific attention to the lowest holding period products for the week of October 27 to November 2 [5][8][11]

上门服务，为农户送去"及时雨" 收获的季节，抚顺市新宾满族自治县响水河子乡的田间地头，处处洋溢着喜悦。参农老姜望着晾晒 中的高丽参笑容满面："现在行情好，一斤能卖到34元，我这40亩地预计收入能有180万元。" 新宾县是我省重要的中药材种植与交易集散地。中药材是当地农民增收致富的"金钥匙"。邮储银行 抚顺市分行紧扣县域特色，将金融服务深入乡村肌理，通过资源倾斜、产品创新和服务下沉，积极探索 金融赋能产业、带动村强民富新路径。 老姜与邮储银行的缘分始于7年前的一笔15万元贷款。从最初的试水，到如今稳定种植40亩高丽 参，邮储银行见证并支持着他的每一步发展。"今年年初，邮储银行又给我发放了200万元的产业贷，用 于购买参苗、搭建遮光棚，还有生长期间的人工开支。"老姜说，"他们的贷款灵活又方便，有了资金保 障，我底气足了。这两年，我不仅种药材，还开始研究收购、售卖，路子越走越宽。"7年间，他在村里 盖起了新楼，开上了新车，日子越过越红火，身份也从单纯的种植户转变为收购药材的"小老板"。 延伸链条，让"原字号"逐步精品化 乡村全面振兴，需要产业链的延伸和价值链的提升。邮储银行的金融扶持不仅投向种植端，更延伸 至加工、 ...

Core Viewpoint - In the context of sustained pressure on net interest margins, many small and medium-sized banks are initiating a new round of interest rate cuts, actively lowering the upper limit of deposit rates to create space for profit growth [1][5]. Group 1: Deposit Rate Adjustments - Some banks have quietly started aggressive deposit collection efforts as the year-end approaches, combining this with refined and tiered customer management to stabilize general deposits while effectively controlling liability costs [1][2]. - Since early October, several small and medium-sized banks have held fourth-quarter operational meetings, emphasizing the importance of achieving a successful year-end while preparing for a strong start in the first quarter of the following year [2][3]. - The recent adjustment of deposit rates has led to most market deposit products entering the "1" range, with major state-owned banks' two-year, three-year, and five-year fixed deposit rates set at 1.05%, 1.25%, and 1.3% respectively [3][4]. Group 2: Competitive Strategies - Some banks are offering cash rewards for customers who meet core asset thresholds, with activities designed to encourage customers to keep their deposits [2][3]. - The actual execution rates for certain term deposits have seen some upward adjustments compared to the listed rates, indicating a competitive landscape among banks [4][6]. - Banks are increasingly adopting differentiated deposit strategies targeting specific customer segments, particularly offering higher rates and lower minimum deposit thresholds for older customers [7]. Group 3: Market Trends and Challenges - The continuous narrowing of net interest margins is a common challenge faced by the banking industry, prompting a focus on managing liability costs more effectively [4][5]. - The People's Bank of China has emphasized the need to lower overall bank liability costs to alleviate pressure on net interest margins, which has led to recent adjustments in deposit rates [5][6]. - The phenomenon of interest rate inversion, where shorter-term deposits offer higher rates than longer-term ones, is emerging as banks anticipate future cost pressures on long-term liabilities [6][7].

丨证券研究报告丨 行业研究丨行业周报丨银行 [Table_Title] 房地产贷款三季度增速转负 ——银行业周度追踪 2025 年第 42 周 报告要点 [Table_Summary] 本周 A 股风险偏好短期重新回升，银行指数相对收益落后，H 股大行涨幅领先，银行股中期分 红陆续启动，近期南下持股比例重新上升，由于 H 股大行具备低估值高股息特征，预计长期维 度南下持股比例仍将持续提升。个股层面，本周农业银行 H 以 7.9%领涨，今年以来农业银行 A/H 涨幅已达到 56.4%/43.6%，邮储银行 H 股、中信银行 H 股也涨幅领先。上周涨幅较大的 重庆银行、渝农商行本周小幅调整。 分析师及联系人 [Table_Author] 马祥云 盛悦菲 SAC：S0490521120002 SAC：S0490524070002 SFC：BUT916 请阅读最后评级说明和重要声明 %% %% %% %% research.95579.com 1 [Table_Title 房地产贷款三季度增速转负 2] ——银行业周度追踪 2025 年第 42 周 [Table_Summary2] 央行三季度贷款投向：房地产贷款增速 ...

Core Viewpoint - The article discusses the recent meetings held by major banks in China to implement the spirit of the 20th Central Committee of the Communist Party, focusing on the financial service priorities for the "14th Five-Year Plan" period. Group 1: Policy Implementation - Policy banks and major state-owned banks are aligning their strategies with national development goals, emphasizing support for food security, poverty alleviation, rural development, and ecological sustainability [1][2]. - The China Agricultural Development Bank is particularly focused on enhancing financial services in agriculture and rural areas, while the Export-Import Bank of China aims to promote trade innovation and international investment [1][2]. Group 2: High-Quality Development - State-owned banks are committed to serving the real economy while ensuring their own sustainable development, integrating high-quality development into all aspects of management [2]. - The banks are focusing on enhancing international competitiveness, promoting consumption, and ensuring a balance between development and security [2]. Group 3: Strategic Focus of Individual Banks - Industrial and Commercial Bank of China aims to leverage international platforms to support high-level opening-up [3]. - Agricultural Bank of China emphasizes its role in achieving common prosperity and enhancing rural financial services [3]. - Bank of China is focused on improving global service capabilities and supporting the internationalization of the Renminbi [3]. - China Construction Bank is prioritizing infrastructure support and consumer finance initiatives [3]. - Postal Savings Bank of China is committed to high-quality development and implementing its unique financial strategies [3]. Group 4: Future Planning - Agricultural Bank of China plans to align its future strategies with key areas such as economic transformation, regional development, and technological independence [4]. - China Bank's corporate finance division is focused on enhancing service quality for the real economy through innovative service models and credit structure optimization [4]. - China Construction Bank is committed to reforming and optimizing its funding structure while balancing various operational aspects [5].

在9月25日，中国银行研究院发布了2025年第4季度《中国经济金融展望报告》。其中明确谈到，在本年度最后3个月，将有更多银行或将加入存款利率下调 行列，其中中小银行都需补调，尤其是中长期存款利率会下调的更多。 为什么会出现这样的情况呢？其实就是各家银行经营状况不同，吸收居民存款要付利息，对于银行就是负债。现在贷款利率也降下来了，如果存款利率高， 银行赚取的存贷差就少，收入少利润底。越是小银行就越依赖存贷差的收入，所以在银行降低负债成本的压力下，反而存款利率下调更多。 现在上海华瑞银行等等小银行，也开始下调存款挂牌利率了。华瑞银行是我国批准的新型五家民营银行之一，总部在上海，它是由浙江均瑶集团等10家民营 企业发起的。他们的线下营业网点是非常少的，虽然吸收存款难度大，但是吸收吸收存款成本低，所以存款利率原本相对就更高。 在之前第二季度，先是国有6大行率先公布下调存款利率，其中将活期存款利率下调到从未有过的0.05%，也就是存1万元，年利息只有5元钱。定期存款利 率也同时都退缩到"1"时代，1年期定存利率只有0.95%，而三年期定存也仅仅只有1.25%。此时与国外成熟经济体的零利率时代有何异同呢？美国花旗银行 活 ...

中国共产党第二十届中央委员会第四次全体会议，于2025年10月20日至23日在北京举行。全会审议通过 了《中共中央关于制定国民经济和社会发展第十五个五年规划的建议》（以下简称《建议（讨论 稿）》），擘画了中国未来五年的发展蓝图，提出了"十五五"时期经济社会发展的主要目标，宣示了乘 势而上、接续推进中国式现代化的坚定决心。 10月24日，工商银行（601398）、农业银行（601288）、中国银行（601988）、建设银行（601939）、 交通银行（601328）、邮储银行（601658）等六家国有大行分别召开了党委（扩大）会议，专题传达学 习党的二十届四中全会精神，贯彻金融系统学习贯彻党的二十届四中全会精神会议要求，研究部署全行 学习宣传贯彻工作。 工商银行：积极支持稳住经济基本盘 工商银行党委在召开扩大会议时表示，要统筹国内国际两个大局，统筹发展和安全，全方位对接《建议 （讨论稿）》重大任务、重大项目，积极服务高质量发展，主动融入新发展格局，全力支持共同富裕。 发挥好金砖国家工商理事会等国际平台作用，助力高水平对外开放。按照"防风险、强监管、促高质量 发展"工作主线，突出主责主业，做精做深"五篇大文章"， ...

登录新浪财经APP 搜索【信披】查看更多考评等级 为更好的满足投资者的理财需求，进一步提升客户体验，根据路博迈基金管理（中国）有限公司（以下 简称"本公司"）与中国邮政储蓄银行股份有限公司签署的开放式证券投资基金销售协议，自2025年10月 27日起，本公司旗下部分基金参加中国邮政储蓄银行股份有限公司（以下简称"邮储银行"）费率优惠活 动。现将有关事项公告如下： 一、适用基金 ■ 投资者可通过邮储银行办理上述列表中对应基金的申购、定期定额申购、赎回、基金转换业务，相关规 则遵照代销机构的有关规定以及基金招募说明书、发售公告、基金合同等法律文件及公司最新公告。如 后续邮储银行新增销售本公司管理的基金产品，将在本公司网站公示。 二、费率优惠活动 在优惠活动期间，投资者通过邮储银行申购本公司上述基金可享有申购（含定期定额申购）业务费率优 惠，同时，投资者通过邮储银行办理本公司上述基金的基金转换业务，基金转换申购补差费率享受费率 优惠，实施费率优惠活动的时间、具体折扣费率以邮储银行的规定为准。适用于固定费用的，则按固定 费用执行，不享有费率折扣优惠。 网址：https://www.psbc.com/cn/ 本公告仅对 ...

近日，政策性银行、国有六大行党委纷纷召开会议，传达学习党的二十届四中全会精神，并根据金融系 统学习贯彻党的二十届四中全会精神会议的工作要求，研究部署"十五五"时期的金融服务重点工作。 政策性银行是落实国家发展战略的重要平台。中国农业发展银行是唯一的农业政策性银行，该行在会议 中要求，聚焦服务国家战略，找准着力点，全力支持国家粮食安全、巩固拓展脱贫攻坚成果、城乡融合 发展、农村生态文明建设、区域协调发展、农业新质生产力等重点领域，扎实做好具有农发行特色的金 融"五篇大文章"。 中国进出口银行会议要求，聚焦服务高水平对外开放，统筹国内国际两个大局，以专业性、特色化金融 服务，促进贸易创新发展，支持拓展双向投资合作空间，推动高质量共建"一带一路"，助力构建人类命 运共同体。 国有大行贯彻落实党的二十届四中全会精神、全面服务好"十五五"重点任务的着力点，主要集中在深入 推进金融"五篇大文章"、落实提振消费专项行动、统筹发展和安全、提升国际竞争力等多个维度。 在遵循共性要求的同时，各家国有大行也注重结合自身资源禀赋和经营特色，实现差异化、精细化发 展。 具体来看，工商银行会议提到"发挥好金砖国家工商理事会等国际平台作用 ...

Core Viewpoint - The six major state-owned banks in China are aligning their strategies with the spirit of the 20th National Congress, focusing on supporting economic stability and high-quality development while enhancing risk management and financial services [1][2][3][4][5][6][7][8]. Group 1: Industrial Bank Strategies - Industrial Bank emphasizes the importance of integrating domestic and international strategies, supporting high-quality development, and enhancing risk management while fulfilling its responsibilities as a major bank [2]. - Agricultural Bank focuses on serving the rural economy, increasing financial supply in rural areas, and supporting the modernization of agriculture while ensuring financial risk management [3]. - Bank of China aims to enhance its global competitiveness, optimize financial resource allocation, and support the development of a modern industrial system while promoting the internationalization of the RMB [4]. - Construction Bank is committed to supporting the development of advanced manufacturing and enhancing its financial service system to promote new quality productivity [6]. - Bank of Communications emphasizes the importance of public engagement in strategic planning and aims to contribute to economic recovery while ensuring a smooth transition between the 14th and 15th Five-Year Plans [7]. - Postal Savings Bank prioritizes high-quality development, focusing on effective financial supply to meet the evolving needs of the economy and society [8].