8月21日，沪深两融数据显示，邮储银行获融资买入额0.98亿元，居两市第282位，当日融资偿还额0.99 亿元，净卖出38.45万元。 最近三个交易日，19日-21日，邮储银行分别获融资买入0.81亿元、0.96亿元、0.98亿元。 融券方面，当日融券卖出20.93万股，净卖出16.16万股。 作者：智投君 本文源自：金融界 ...

进入8月，银行间债券市场科技创新债券发行热度不减。邮储银行日前完成首期科创债发行，国有六大 行科创债全部落地，与此同时，南海农商银行、九江银行、兰州银行等区域性银行也在加速补位，推动 发行主体进一步向地方延伸。据Wind数据，截至8月21日，银行机构参与科创债发行的机构已增至36 家，发行总规模超2400亿元。 除发行端扩容外，科创债交易机制创新也在同步推进，为市场注入流动性动力。上海银行作为首批做市 商之一，参与银行间市场科创债标准篮子上线交易；广东华兴银行则在成为企业科创债标准篮子首批做 市商的基础上，推出"大湾区企业科创债篮子"，满足投资者"一键配置"区域优质科创资产的需求。 据邮储银行披露，该行8月19日完成50亿元首期科技创新债券发行。该债券分为两个品种：30亿元5年期 固定利率品种票面利率1.82%，全场认购倍数达3.1倍；20亿元3年期浮动利率品种发行利率1.8%，认购 倍数2.5倍。其中，浮息品种既是全市场首单3年期浮息科创债，也是首单应用中债区块链簿记建档发行 系统的浮息科创债。邮储银行表示，募集资金将严格投向《金融"五篇大文章"总体统计制度(试行)》规 定的科创领域，通过发放科技贷款、投资 ...

商报讯（记者 苗露）调整多日后的银行板块，昨日再次集体上涨，盘中多只个股迭创新高。8月21日， 上证指数盘中再创3787.98的阶段新高，触及高点后有所调整，尾盘指数由绿翻红。板块表现上，经过 多日震荡的银行板块又重回上涨。A股42只银行股有40只上涨，其中青岛银行（002948）、农业银行 （601288）分别上涨2.21%、2.12%，涨幅居前。 值得一提的是，不久前刚刚获提A股"流通市值之王"称号的农业银行，昨日再度刷新纪录，股价实 现"四连阳"；盘中股价触及7.24元的新高，从而将总市值推高至2.46万亿元，相比工商银行（601398） 的2.52万亿元，差距再度缩小至600亿元。 无独有偶，同样是国有大行的邮储银行（601658）A股在盘中也触及6.28元/股的成交价新高，截至收 盘，邮储银行录得1.30%涨幅，总市值达7262亿元，市值排名银行股第6位。 消息面上，近日又有外资看好中国上市银行后续表现。摩根大通分析师在最新发布的报告中表示，得益 于净息差的稳定、手续费收入的增长，以及高股息回报，中国的银行股有望在2025年下半年进一步上 涨。据其预计，A股银行板块潜在涨幅可能高达15%，而港股银行 ...

Market Overview - A-shares experienced mixed performance on August 21, with the Shanghai Composite Index reaching a ten-year high of 3787.98 points during the day, closing at 3771.10 points, up 0.13% [2] - The Shenzhen Component Index closed at 11919.76 points, down 0.06%, while the ChiNext Index closed at 2595.47 points, down 0.47% [2] - The total trading volume in the Shanghai and Shenzhen markets was 242.71 billion yuan, an increase of 18.9 billion yuan from the previous trading day [2] Sector Performance - Bank stocks showed strong performance in the afternoon, with Agricultural Bank of China and Postal Savings Bank of China reaching historical highs, closing at 7.23 yuan (up 2.12%) and 6.23 yuan (up 1.30%) respectively [4] - The digital currency sector was active, with stocks like Yuyin Co. and PetroChina Capital hitting the daily limit [2] - Oil and gas stocks also saw gains, with Zhun Oil Co. hitting the daily limit [2] Trading Volume Trends - The trading volume in the Shanghai and Shenzhen markets has exceeded 2 trillion yuan for seven consecutive trading days since August 13, with figures of 2.15 trillion, 2.28 trillion, 2.24 trillion, 2.76 trillion, 2.59 trillion, 2.41 trillion, and 2.42 trillion yuan [2] - This level of trading volume has not been seen since November of the previous year [2] Individual Stock Highlights - From August 13 to 21, Dongfang Wealth led with a cumulative trading volume of 184.5 billion yuan, followed by Northern Rare Earth and Cambrian with 90 billion yuan and 81 billion yuan respectively [3] - These companies experienced stable stock price increases, with cumulative gains ranging from 10% to 25% [3] Future Market Outlook - Dongxing Securities predicts that the market may break through the 4000-point mark, reinforcing a mid-term upward trend [6] - The market is expected to enter a long-term upward cycle, supported by the potential for significant capital inflows and an improving economic outlook [6] - Debon Securities highlights that the current market is underpinned by three key factors: fundamentals, liquidity, and policy support [7] Sector-Specific Insights - The liquid cooling server sector has shown strong performance recently, although it experienced a pullback, with stocks like Jintian Co. and Tenglong Co. hitting the daily limit down [5] - Oriental Securities forecasts that 2025 will see accelerated penetration of AI liquid cooling technology, driven by the increasing demand for computing power [5]

活动现场，内蒙古"绿色、有机、天然"的优质农特产品集中亮相，吸引了上海多家金融机构及企业代表的浓厚兴趣。内蒙古自治区人民政府驻上海办事处、 上海金融业联合会、内蒙古自治区文化旅游投资集团有限公司、中国邮政储蓄银行上海分行等单位相关负责人，共商金融助力内蒙古农特产品入沪新路径。 本次活动充分发挥金融赋能作用，通过成功搭建产销精准对接平台，有力助力内蒙古农牧企业拓展长三角市场空间。邮储银行上海分行着力推动普惠金融产 品与内蒙古企业需求精准匹配，重点聚焦支持内蒙古好物品牌及内蒙古优质农特产品，为相关产业升级注入强劲金融活力，现场达成多项初步合作意向。 转自：新华财经 近日，内蒙古自治区人民政府驻上海办事处组织开展的 "沪融牧歌 双向奔赴"内蒙古优质农特产品展销展示对接活动，作为系列活动的第六站，在中国邮政 储蓄银行上海分行举办。 据了解，本次活动由内蒙古自治区人民政府驻上海办事处、内蒙古自治区农牧厅、内蒙古自治区市场监督管理局联合主办，上海金融业联合会支持，内蒙古 文化旅游投资集团有限公司与中国邮政储蓄银行上海分行共同承办，旨在深化沪蒙两地经济协作，高效拓展内蒙古优质农特产品市场渠道。（侯倩） 编辑：穆皓 活动现场 ...

据邮储银行披露，该行8月19日完成50亿元首期科技创新债券发行。该债券分为两个品种：30亿元5年期固定利率品种票面利率1.82%，全场认购倍数达3.1 倍；20亿元3年期浮动利率品种发行利率1.8%，认购倍数2.5倍。其中，浮息品种既是全市场首单3年期浮息科创债，也是首单应用中债区块链簿记建档发行 系统的浮息科创债。邮储银行表示，募集资金将严格投向《金融"五篇大文章"总体统计制度（试行）》规定的科创领域，通过发放科技贷款、投资科创企业 债券等方式，专项支持科技创新业务。 回顾5月7日，人民银行、证监会联合发布关于支持发行科技创新债券有关事宜的公告，创新推出债券市场"科技板"，支持金融机构、科技型企业、私募股权 投资机构等三类主体发行科技创新债券。 政策发布当月，银行科创债发行即出现"集中放量"，Wind数据显示，当月共发行19只科创债、合计1980亿元，其中，工商银行、交通银行、农业银行、中 国银行、建设银行5家国有大行发行1100亿元，占当月银行科创债总发行规模的55.56%。随着邮储银行首单落地，六大国有银行阵营集齐。 北京商报讯（记者 孟凡霞 实习记者 周义力）进入8月，银行间债券市场科技创新债券发行热 ...

复盘天天论 最热板块 收 周四，大A股全天震荡调整，三大指数涨跌不一，沪指再创十年新高。两市全天成交额2.42万亿，较上 个交易日放量158亿，成交额连续7个交易日超2万亿。内资净流出802亿元，两市个股涨跌中位 数-0.35%。三大指数震了一天，最大问题是午后2点半的下跌，可还是被资金拉了回去，"神秘资金"真 的特别呵护指数！大盘今天没能继续加速上攻，也没有出现回调信号，明天依然还看好指数走加速。不 过，个股的体感是不好受的，"牛市比熊市还难做"的说法就是由此而来。 盘面上，市场热点延续高低切的格局，个股跌多涨少，全市场超3000只个股下跌。从板块来看，金融科 技板块集体走高，稳定币、跨境支付等概念全天领涨，中油资本、翠微股份等多股涨停；银行股午后拉 升，农业银行、邮储银行双双续创历史新高；可燃冰、油服、电力等红利板块再度反弹，准油股份等涨 停；下跌方面，高位股集体大跌，飞龙股份等多股跌停。 短线接力情绪今天是相当差劲的，连板家数不足10家。这点连板还不够塞"牛牙缝"的啊！更要命的是短 线连板票出现了负反馈，昨天的高标个股——济民健康、腾龙股份、汉钟精机全天都在地板上来回摩 擦，把接力资金闷的头晕目眩啊。但 ...

Core Viewpoint - The article discusses the recent adjustments in the A-share market, highlighting the challenges faced by new investors in making profits, and the overall market sentiment of uncertainty and volatility [1]. Market Performance - The A-share market experienced fluctuations, with the Shanghai Composite Index rising by 0.13%, while the Shenzhen Component and ChiNext Index fell by 0.06% and 0.47% respectively [10]. - The total trading volume across the Shanghai and Shenzhen markets reached 24,608.75 billion yuan, an increase of 119.53 billion yuan compared to the previous day [10]. - A total of 58 stocks hit the daily limit up, with 15 stocks closing at the limit and 9 stocks achieving consecutive limit ups, the highest being five consecutive limit ups [10]. Sector Performance - The digital currency sector saw significant gains, with stocks like Sanwei Xinan and Xinchen Technology hitting the daily limit up due to reports of potential approval for a roadmap on the internationalization of the renminbi [10]. - The oil and gas extraction and service sectors also performed well, with Huai Oil Co. hitting the daily limit up following a surge in international oil prices [10]. - The combustible ice sector gained traction, with ShenKai Co. hitting the daily limit up after a breakthrough in methane catalytic conversion technology [10]. Institutional Activity - The net outflow of main funds amounted to 578.47 billion yuan, with the machinery equipment sector experiencing the largest outflow [18]. - The top five sectors with net inflows included communication, public utilities, banking, retail, and agriculture [18]. - The top five individual stocks with net inflows were ZTE Corporation, Zhaoyi Innovation, China Oil Capital, Jingbei Fang, and Luxshare Precision [18]. Financial Results - Agricultural Bank of China reported a strong performance, with its latest PB and PE ratios at 0.86 and 8.34 respectively, indicating a premium over the average ratios of the six major banks [6]. - The financial results of several companies for the first half of 2025 showed significant growth, with Jin Qilin's revenue increasing by 24.34% and net profit by 226.14% [16]. - Other companies like Sainuo Medical and Tianyu Digital Science also reported substantial revenue and profit growth, with increases of 12.53% and 296.54% respectively [16].

Core Viewpoint - The banking sector in A-shares has shown a strong recovery, with many stocks reaching new highs, driven by positive external assessments and improving financial indicators [2][3][5]. Group 1: Market Performance - On August 21, the Shanghai Composite Index reached a new high of 3787.98 before adjusting, with 40 out of 42 banking stocks rising, including Agricultural Bank and Postal Savings Bank hitting historical highs [2]. - Agricultural Bank's stock price reached 7.24 yuan, pushing its market capitalization to 2.46 trillion yuan, narrowing the gap with Industrial and Commercial Bank to 600 billion yuan [3]. - Postal Savings Bank's stock also hit a new high of 6.28 yuan, closing with a 1.30% increase and a market cap of 726.2 billion yuan, ranking sixth among bank stocks [3]. Group 2: Positive External Assessments - Multiple foreign institutions, including JPMorgan and UBS, have expressed optimism about Chinese bank stocks, citing stable net interest margins and growth in fee income as key drivers for potential price increases [5][6]. - JPMorgan forecasts a potential increase of up to 15% for A-share bank stocks and 8% for Hong Kong-listed banks, with an average dividend yield of approximately 4.3% for covered mainland bank stocks [5]. - UBS also predicts improvements in the fundamentals of the banking sector, expecting a recovery in revenue growth starting in 2026 [6]. Group 3: Regulatory and Market Conditions - The banking sector is experiencing a "de-involution" trend, with regulatory bodies promoting fair competition and reducing price wars, which may benefit smaller banks and improve service and innovation [7]. - Recent data from the National Financial Regulatory Administration indicates signs of stabilization in key financial metrics for banks, with a net profit of 1.2 trillion yuan in the first half of the year, a decrease of only 1.20% year-on-year [8]. - The introduction of fiscal subsidies for consumer loans is expected to stabilize net interest margins while boosting credit demand, benefiting major state-owned and joint-stock banks [9].

"有了这份'明白纸'，贷款利息、评估费等各项支出一目了然，再也不怕被'隐性收费'困扰，我们融资心 里更有底了！"近日，攀枝花某路桥建设有限公司负责人拿着与邮储银行攀枝花市分行共同填写的《企 业贷款综合融资成本清单》，向客户经理道出了真切感受。企业获批800万元贷款，其中银行主动承担 了1.1万元的抵押房产评估费用，让企业切实享受到了透明融资的便利。 这一暖心场景，源于攀枝花市明示企业贷款综合融资成本试点工作的推进。自2025年4月起，在人民银 行攀枝花市分行的统筹组织下，全市金融机构启动试点，通过银企共同填写"贷款明白纸"，将企业融资 涉及的利息、担保费、资产评估费等成本统一折算为年化率，彻底打破"融资成本模糊化"壁垒，让企 业"明明白白贷款、放放心心还款"。 作为试点工作的重要参与行，邮储银行攀枝花市分行从三方面精准发力，确保"明白纸"成为企业信赖 的"放心纸"。一是提升专业能力，率先组织全市客户经理及网点支行长开展专项培训，明确"明白纸"填 写规范与成本核算逻辑。要求工作人员不仅提供优质贷款服务，更要当好"成本讲解员"，确保向企业传 递的每一项费用信息都准确、透明、易懂。二是强化宣传覆盖，精心印制5000 ...