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 ...

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].

2025年10月13日，中国邮政储蓄银行股份有限公司在优质运营、创新突破、社会贡献等指标中表现优 异，入围《经济观察报》2024—2025年度受尊敬企业。根据经观中国上市公司综合价值评估体系，营业 收入、净利润、总资产、员工薪酬连续三年实现正增长。 ...

| 交易日期 | 证券简称 | 证券代码 | 成交价(元) | 成交金额(万元) 成交量( * ) 买入营业部 | | | | 卖出营业部 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 2025-10-13 | 邮储银行 | 601658 | 5.61 | 448.8 | 80 | 国联民生证券股份 有限公司总部 | 华泰证券股份有限 公司泰州兴化英武 中路证券营业部 | | | 2025-10-13 | 邮储银行 | 601658 | 5.61 | 168.3 | 30 | 中信证券股公有限 公司深圳分公司 | 华泰证券股份有限 公司总部 | | 10月13日，邮储银行大宗交易成交110万股，成交额617.1万元，占当日总成交额的0.63%，成交价5.61元，较市场收盘价5.61元持平。 ...

资料显示，中国邮政储蓄银行股份有限公司位于中国北京市西城区金融大街3号,香港湾仔皇后大道东 248号大新金融中心40楼，成立日期2007年3月6日，上市日期2019年12月10日，公司主营业务涉及中国 邮政储蓄银行股份有限公司在中国提供银行及相关金融服务。该银行主要通过个人银行、企业银行及资 金业务运营。个人银行业务向个人客户提供多种产品及服务,包括人民币及外汇存储、贷款、银行卡及 中间业务产品及服务。企业银行业务为企业客户提供多样化金融产品及服务,包括企业贷款、贴现票 据、企业存款及中间业务产品及服务,如:结算、票据管理、现金管理、投资银行、托管及公司理财。资 金业务主要包括金融市场业务,如:市场交易、投资、同业融资及票据贴现。资金业务还包括资产管理。 主营业务收入构成为：个人银行业务69.57%，公司银行业务19.70%，资金业务10.65%，其他业务 0.07%。 来源：新浪基金∞工作室 10月13日，邮储银行跌0.88%，截至发稿，报5.61元/股，成交9.81亿元，换手率0.26%，总市值6737.33 亿元。邮储银行股价已经连续7天下跌，区间累计跌幅7.43%。 风险提示：市场有风险，投资需谨慎。 ...

Core Points - The incident at the Postal Savings Bank of China in Weiyuan County highlights the bank's commitment to social responsibility and community service [2] Group 1 - A senior citizen experienced a medical emergency outside the bank, leading to immediate assistance from bank staff [1] - Bank employees provided first aid and contacted emergency services while ensuring the elderly person's safety and comfort [1] - The timely response resulted in the elderly person's condition being stabilized after receiving medical attention [1] Group 2 - The bank aims to continue its grassroots engagement and enhance community support through professional capabilities and humanistic care [2] - The incident reflects the bank's dedication to responsibility and service in every customer interaction [2]

Core Viewpoint - Several banks in China have raised the threshold for transaction alert SMS notifications, encouraging customers to use mobile banking apps and online channels for notifications instead [1][2][4][5]. Summary by Sections Changes in SMS Notification Policy - Major banks, including state-owned and joint-stock banks, have increased the minimum amount for transaction alert SMS notifications to between 100 and 500 yuan [1][2]. - Guangdong Huaxing Bank announced it will stop sending SMS notifications for transactions below 500 yuan starting September 16, 2025 [2]. - Hubei Bank raised its SMS notification threshold to 100 yuan from the previous 10 yuan, effective March 27, 2025 [2]. - Bank of China will adjust its SMS notification threshold to 100 yuan for customers enjoying lifetime free SMS notifications starting April 17, 2025 [2]. - Minsheng Bank will discontinue certain SMS services for personal debit card accounts starting January 1, 2025 [3]. Digital Transformation and Cost Management - The adjustments are part of a broader digital transformation strategy, aiming to guide customers towards using mobile banking apps and online services for transaction alerts [5][9]. - Banks are facing pressure from narrowing net interest margins and are implementing cost control measures, including raising the SMS notification threshold [5][6]. - The increase in the threshold is seen as a way to optimize resource allocation, focusing on high-value customers and high-risk transactions [5][6]. Customer Impact and Alternatives - The changes are expected to have minimal impact on most customers, as they can still receive notifications through mobile banking apps or WeChat accounts for free [9][10]. - There is a concern that older customers may face challenges due to a lack of familiarity with digital tools, suggesting that banks should maintain low-threshold SMS services for this demographic [10]. - Customers are encouraged to utilize mobile banking features for transaction alerts and to regularly check account details to monitor for unusual transactions [10].

Core Viewpoint - Postal Savings Bank of China Pingdingshan Branch is enhancing financial security by promoting anti-money laundering (AML) knowledge through innovative and community-focused initiatives [1][2][3] Group 1: Anti-Money Laundering Initiatives - The bank has established a three-dimensional publicity system based on "deep cultivation of positions, characteristic innovation, and empowerment of all employees" to spread AML knowledge [1] - A total of 124 branches have created immersive promotional environments with video displays and informational boards to foster a learning atmosphere [1] - Staff members act as "legal educators," conducting "micro-classes" and "micro-salons" to explain key legal points in simple terms, focusing on practical knowledge such as identifying money laundering traps and the importance of not renting out accounts [1] Group 2: Community Engagement and Training - The bank has launched rural-specific initiatives, including daily broadcasts of AML knowledge via village loudspeakers and interactive educational activities at local markets [1][2] - Collaboration with the Pingdingshan People's Bank's AML department has led to specialized training for couriers, who distribute AML materials and explain new laws during their deliveries [2] - The bank has conducted outreach activities in enterprises and communities, distributing over 25,000 promotional materials and answering questions from more than 12,000 individuals to enhance risk awareness [2] Group 3: Employee Training and Compliance - The bank emphasizes internal compliance by organizing seven specialized training sessions for its staff, covering legal updates, customer due diligence processes, and suspicious transaction identification techniques [2] - This training aims to improve the compliance capabilities of employees, ensuring a solid talent foundation for AML efforts [2] Group 4: Future Plans - The bank plans to continue deepening AML education and making legal knowledge dissemination a regular and effective practice to safeguard financial security and protect the public's financial interests [3]

来源：新浪基金∞工作室 东兴红利优选混合A（022157）基金经理为李晨辉、张旭。 截至发稿，李晨辉累计任职时间9年125天，现任基金资产总规模2.79亿元，任职期间最佳基金回报 47.46%， 任职期间最差基金回报-10.75%。 张旭累计任职时间10年65天，现任基金资产总规模1.34亿元，任职期间最佳基金回报70.98%， 任职期 间最差基金回报-8.32%。 从基金十大重仓股角度 数据显示，东兴基金旗下1只基金重仓邮储银行。东兴红利优选混合A（022157）二季度减持15.4万股， 持有股数47.5万股，占基金净值比例为5.22%，位居第二大重仓股。根据测算，今日浮亏损失约2.37万 元。连续7天下跌期间浮亏损失21.37万元。 东兴红利优选混合A（022157）成立日期2024年11月26日，最新规模2372.17万。今年以来收益3.49%， 同类排名7268/8234；成立以来收益5.18%。 风险提示：市场有风险，投资需谨慎。本文为AI大模型自动发布，任何在本文出现的信息（包括但不 限于个股、评论、预测、图表、指标、理论、任何形式的表述等）均只作为参考，不构成个人投资建 议。 10月13日，邮储 ...