虚拟货币高额回报？养老床位能理财？这些看似诱人的"馅饼"，正成为掏空老百姓钱袋子的新陷 阱！近年来，非法金融活动形式日益多样、手法不断翻新，从"虚拟币炒作"、"黄金托管"到"康养服 务"、"消费返利"等，诱惑性强、隐蔽性高，扰乱市场秩序的同时侵害金融消费者权益。 今年6月国家金融监督管理总局部署"防范非法金融活动宣传月"活动以来，浙商银行深入贯彻落实 相关政策法规，将"金融为民"作为根本宗旨，坚持"以防为主、预防为先"理念，用"善"的行动密织"线 上+线下"、"专业+趣味"、"精准+长效"的立体防护网，努力使金融消费者练就一双火眼金睛，准确识别 各类金融骗局。 多维行动：从创意宣传到阵地渗透，筑牢防非反诈坚实屏障 "为方便我们这些消费者掌握防非反诈知识，浙商银行不仅把干货做成短视频，营业厅里还有人专 门给讲解，连直播间都能跟着学，确实增加了知识，提高了警惕性，太有帮助了！"该行客户李女士真 切感受到防非反诈的重要性，而这些多元化的平台正成为广大用户接受金融教育的重要窗口。 浙商银行近年来运用对象化、分众化思维，精准"把脉"不同消费群体的偏好，聚焦"一老一少"等重 点目标群体，量身打造防范非法金融活动方案。 围 ...

8月4日，国家金融监督管理总局温州监管分局对浙商银行股份有限公司温州分行开出百万罚单。该行因"贷款'三查'不到位、金融产品销售行为不审慎、绩 效考评指标设置不合规"三项违规，被处以135万元罚款，三名相关责任人同时被警告。 据统计，截至发稿前，该行（含分行）年内已累计收到15张罚单，罚没总额达2681.21万元，合规风险持续暴露。 | 序号 | 当事人名称 | 主要违法违规行为 | 行政处罚内 | 作出决 | | --- | --- | --- | --- | --- | | | | | 容 | | | | 浙商银行股份 有限公司温州 | 贷款"三查"不到 | 对 浙商银行 | 国家金 | | | | | 股份有限公 | | | | | | 司温州分行 | | | | | 位; | 罚 款 135 万 | | | 1 | 分行及相关责 | 金融产品销售行为 | 元;对陈伊 | 管理总 | | | 任人 | 不审慎;绩效考评 | 凡警告；对 | 监管分 | | | | 指标设置不合规。 | 周慧警告; | | | | | | 对 张 岑 警 | | | | | | 告。 | | 截图来自国家金融监督管理总局官网 ...

Core Insights - The second ingredient procurement and distribution conference of Xinfadi was held on August 7, showcasing the integration of procurement, distribution, testing, and financial resources through a digital platform [1] - The platform has successfully onboarded 155 distributors and over 80 procurement units, providing efficient food supply services to schools and hospitals [1] - Strategic partnerships were formed with EMS and Zheshang Bank, the latter providing a credit line of 500 million yuan to support the platform's operations and development [1] Group 1 - The Xinfadi procurement and distribution platform addresses traditional procurement pain points such as unclear accounts and chaotic inventory through features like "price negotiation data retention" and "efficient order aggregation" [1] - Five hospitals and five schools have signed agreements to join the procurement and distribution platform, indicating strong interest from institutional buyers [1] - Collaboration agreements were signed between three fresh vegetable companies from Beijing-Tianjin-Hebei and three group meal companies from Fengtai District to enhance food processing and supply chain coordination [1]

证券之星消息，8月7日股份制银行板块较上一交易日上涨0.3%，浦发银行领涨。当日上证指数报收于 3639.67，上涨0.16%。深证成指报收于11157.94，下跌0.18%。股份制银行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 600000 | 浦发银行 | 13.93 | 1.02% | 96.56万 | 13.38亿 | | 600015 | 华夏银行 | 8.13 | 0.62% | 34.18万 | 2.77亿 | | 601998 | 中信银行 | 8.42 | 0.48% | 36.83万 | 3.08亿 | | 601166 | 兴业银行 | 23.07 | 0.39% | 1 56.76万 | 13.11亿 | | 601818 | 光大银行 | 4.13 | 0.24% | 144.78万 | 5.97亿 | | 000001 | 平安银行 | 12.47 | 0.08% | 72.21万 | 9.01亿 | | 600036 | 招商银行 | 45 ...

Core Viewpoint - Lin Jingran, Vice President of Zhejiang Commercial Bank and President of Shanghai Branch, emphasizes the integration of financial services with social responsibility and the development of the real economy, aiming to create a "first-class commercial bank" through innovative and comprehensive financial solutions [3][4]. Group 1: Financial Services and Social Responsibility - "Good finance" is a distinctive label of Zhejiang Commercial Bank, focusing on reshaping financial service models to prioritize social value and support the real economy [4]. - Lin Jingran leads initiatives in technology finance, green finance, inclusive finance, pension finance, and digital finance, aligning with the central government's direction to enhance financial services for the real economy [5][6]. - The Shanghai Branch has established a financial advisory team to serve as "financial family doctors" for enterprises and local governments, enhancing the bank's social image through various public welfare activities [6]. Group 2: International Financial Center Development - The Shanghai Branch is actively contributing to the construction of the Shanghai International Financial Center by enhancing international business and supply chain finance services [7][8]. - Lin Jingran views international business as a key connector between global capital and the Chinese market, focusing on cross-border settlement and offshore financing [7]. - The bank's supply chain finance initiatives support the integration of financial services across the Yangtze River Delta, providing efficient financing solutions for small and micro enterprises [8].

Market Overview - The Shanghai Composite Index rose by 0.45% on August 6, with 24 out of the 28 sectors experiencing gains. The top-performing sectors were defense and military industry, and machinery equipment, with increases of 3.07% and 1.98% respectively [1] - The banking sector saw a decline of 0.14% [1] Capital Flow Analysis - The main capital outflow from the two markets totaled 9.652 billion yuan, with seven sectors experiencing net inflows. The machinery equipment sector led with a net inflow of 4.367 billion yuan, followed closely by the defense and military industry with a net inflow of 4.283 billion yuan [1] - The pharmaceutical and biological industry had the largest net outflow, totaling 9.049 billion yuan, followed by the telecommunications sector with a net outflow of 2.949 billion yuan [1] Banking Sector Performance - In the banking sector, there were 42 stocks, with 11 rising and 26 falling. The sector experienced a net outflow of 1.067 billion yuan [2] - The top three banks with the highest net outflow were Minsheng Bank, China Construction Bank, and Industrial and Commercial Bank of China, with outflows of 263.15 million yuan, 213.00 million yuan, and 174.41 million yuan respectively [2][3] - The individual stock performance showed that Changshu Bank had the highest net inflow of 41.12 million yuan, followed by Hangzhou Bank and Chongqing Rural Commercial Bank with inflows of 32.14 million yuan and 22.64 million yuan respectively [2][3]

高股息风格个股今日（8月5日）表现强势，聚焦"高股息+低估值"大盘蓝筹股的价值ETF（510030）开 盘后震荡走高，盘中场内价格最高涨幅达到1.46%，尾盘有所回落，截至收盘，涨1.01%。 值得注意的是，价值ETF（510030）标的指数180价值指数聚焦"高股息+低估值"大盘蓝筹股，同时涵盖 中国平安、中信证券、中国银行等多只中字头个股，有望持续获益于高股息、中字头相关行情。 从估值方面来看，当前亦或为180价值指数较好配置时机。Wind数据显示，截至昨日（8月4日）收盘， 价值ETF（510030）标的指数180价值指数市净率为0.84倍，位于近10年来36.99%分位点的相对低位， 中长期配置性价比凸显。 展望后市，中国银河证券指出，海内外多个重要事件在相继落地。短期来看，市场在经历前期上涨行情 后，资金博弈或使得短期行情波动加大。全球经贸关系趋于缓和，但随着关税缓和期重要节点临近，依 然要关注不确定性对市场情绪的扰动。预计市场维持在震荡偏高中枢运行，建议关注结构性机会。配置 方面，银行等高股息板块中长期配置逻辑依然清晰，建议关注相关配置机会。 国泰海通指出，在当前市场风险偏好持续上修、资金从债券向 ...

从资金流向上来看，当日股份制银行板块主力资金净流入6.42亿元，游资资金净流出5.53亿元，散户资金 净流出8914.7万元。股份制银行板块个股资金流向见下表： 证券之星消息，8月5日股份制银行板块较上一交易日上涨1.86%，浦发银行领涨。当日上证指数报收于 3617.6，上涨0.96%。深证成指报收于11106.96，上涨0.59%。股份制银行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 600000 | 浦发银行 | 13.75 | 4.72% | 133.65万 | 18.12 乙 | | 601916 | 浙商银行 | 3.46 | 2.67% | 386.69万 | 13.31亿 | | 600016 | 民生银行 | 5.05 | 2.43% | 387.19万 | 19.34亿 | | 601998 | 中信银行 | 8.43 | 2.18% | 1 68.19万 | 5.72亿 | | 600015 | 华夏银行 | 8.08 | 2.02% | 52.7 ...

Group 1 - Bank stocks continued to strengthen in the afternoon, with Shanghai Pudong Development Bank rising over 4%, and Qilu Bank, Zheshang Bank, CITIC Bank, and Agricultural Bank rising over 2% [1] - Several bank-related ETFs rose over 1.5% due to market influence [1] Group 2 - Various bank ETF index funds showed positive performance, with the Bank ETF Index Fund at 1.479 (up 1.65%), Bank ETF Fund at 1.845 (up 1.65%), and others also reflecting similar increases [2] - Institutions indicate that in a low interest rate and asset scarcity environment, dividend-paying assets with stable ROE capabilities may still possess strong resilience and attractiveness, potentially becoming important long-term investment options amid short-term market volatility [2] - Following the reduction in reserve requirements and interest rates, the downward space for risk-free rates has opened up, while the National Financial Regulatory Administration is promoting the entry of insurance funds into the market, highlighting the dividend value of state-owned banks [2]

Group 1 - The core viewpoint is that the banking sector is experiencing a shift in capital allocation due to a scarcity of certainty, leading to a pursuit of relative safety and high dividend yields in bank stocks [1] - Institutional investors indicate that the demand for high dividend, low valuation bank stocks will persist as policies continue to ease, attracting incremental capital from insurance funds, passive funds, and public funds [1] - The combination of policies promoting dividends and a stable fundamental outlook is driving a revaluation of banks [1] Group 2 - Investors looking for cost-effective exposure to the banking sector can consider the Bank ETF (512800) and its associated funds, which track the performance of 42 listed banks in A-shares [2] - As of August 4, the Bank ETF (512800) has grown to a scale of 14.99 billion yuan, with an increase of over 100% since the beginning of the year, and an average daily trading volume of 574 million yuan [2] - The Bank ETF (512800) is noted for being the largest and most liquid among the 10 bank ETFs in A-shares [2] Group 3 - The banking sector saw a strong performance with significant gains, led by Pudong Development Bank, which rose over 4%, while other banks like Zhejiang Commercial Bank, CITIC Bank, Agricultural Bank, and Huaxia Bank also saw increases of over 2% [3] - The Agricultural Bank reached a historical high during this rally [3]