Core Viewpoint - The article highlights the efforts of Zheshang Bank in promoting financial education and fraud prevention during the "2025 Financial Education Promotion Week," emphasizing the importance of safeguarding financial rights and enhancing public awareness of financial risks [1][14]. Group 1: Online Initiatives - Zheshang Bank launched the "Zheshang Consumer Protection · Anti-Fraud Laboratory" themed live broadcast, focusing on high-risk fraud scenarios in campuses, counties, and communities, using innovative formats like experiments and situational performances to explain scams [2][4]. - The live broadcast attracted 151,000 viewers and received over 559,000 likes, with participants actively sharing anti-fraud tips in the comments [2]. - The bank also created a series of engaging short videos to simplify complex financial concepts, reaching 69,600 viewers [4]. Group 2: Offline Activities - Zheshang Bank organized various offline activities to cater to different demographic needs, including a financial knowledge flash event at Hangzhou Xiaoshan International Airport, providing travelers with bite-sized financial information [5]. - The bank conducted an "in-flight classroom" for new university students on a flight from Hangzhou to Guangzhou, focusing on fraud prevention [5]. - Specific initiatives were tailored for elderly clients, such as DIY workshops to help them recognize common scams related to retirement investments and health products [7]. Group 3: Community Engagement - The bank's "Hundred-Thousand-Ten Thousand" initiative involved financial advisors and volunteers engaging with rural communities to disseminate financial knowledge, collaborating with local governments and law enforcement [11]. - Events included a "Fraud Prevention Carnival" in Zhoushan, where real cases were shared in local dialects, making learning enjoyable for villagers [11]. - Interactive games and activities were used in various locations to teach practical financial knowledge, enhancing community engagement [11]. Group 4: Overall Impact - The comprehensive approach of combining online technology with offline experiences and deep community outreach transformed financial education from passive listening to active learning [14]. - Zheshang Bank aims to continue leveraging technology and collaboration to deepen financial education and contribute to a safer financial environment [14].

下一步，浙商银行合肥分行将持续践行"以客户为中心"的服务理念，贯彻落实"金融为民"理念，维护金 融市场秩序，向金融消费者做好风险提示工作。（柳杨） 编辑：赵鼎 日前，浙商银行合肥分行开展"财富投资"风险提示宣教活动，工作人员通过邀约行内客户、进企业、进 商户等方式向社会群体开展风险提示工作。 该行工作人员通过分享安徽省保险业协会最新"金融消费明白纸"，重点提示客户财富投资中需要注意的 事项要点，做到"盲目跟风不可取，独立决策防风险"，通过理性判断作出与自身风险承受能力匹配的决 策；了解"业绩基准非承诺，实际收益看表现"，产品业绩比较基准不代表产品最终收益；做好"细究赎 回规则，注意流动性管理"，消费者应根据产品类型和赎回规则，避免流动性不足影响正常生活。向金 融消费者做好"理财非存款、产品有风险、投资需谨慎"理念传导。 转自：新华财经 ...

浙商银行南昌分行各辖内网点利用厅堂电子屏、公众教育区，摆放金融教育宣传周活动主题海报及各类 金融知识宣传折页，营造浓厚宣传氛围，通过金融知识讲堂、"一对一"宣讲等形式向广大市民宣传金融 知识，揭示金融风险，提示防范技巧，发挥网点宣传阵地作用。 转自：新华财经 为切实提升社会公众金融素养及风险防范能力，维护金融消费者合法权益，响应"2025年金融教育宣传 周"活动号召，浙商银行南昌分行紧扣"保障金融权益 助力美好生活"宣传主题，聚焦公众关注的金融热 点与难点，充分拓展活动覆盖面和触达率，提升活动有效性和影响力，推动金融知识和风险提示深入基 层、直达群众。 浙商银行南昌分行通过此次金融教育宣传周活动，有利于提升公众对金融知识的认知水平和风险防范意 识。下一步，浙商银行南昌分行将持续贯彻落实常态化金融知识普及工作，积极履行金融企业社会责 任，让金融权益保护意识深入人心，为构建和谐、健康的金融生态环境贡献力量。（陈峰） 编辑：穆皓 在2025年金融教育宣传周集中宣传活动期间，浙商银行南昌分行通过互动游戏、案例讲解等形式，向群 众普及非法集资识别、个人信息保护、理性投资等知识，寓教于乐、反响热烈，提升群众参与度与获得 ...

Market Performance - On September 22, the share price of the joint-stock bank sector fell by 0.63%, with Pudong Development Bank leading the decline [1] - The Shanghai Composite Index closed at 3828.58, up 0.22%, while the Shenzhen Component Index closed at 13157.97, up 0.67% [1] Individual Bank Performance - Citic Bank closed at 7.39, down 0.14% with a trading volume of 358,600 shares and a transaction value of 266 million yuan [1] - China Merchants Bank closed at 40.92, down 0.20% with a trading volume of 656,100 shares and a transaction value of 2.688 billion yuan [1] - Minsheng Bank closed at 4.04, down 0.25% with a trading volume of 2.3409 million shares and a transaction value of 946 million yuan [1] - Everbright Bank closed at 3.45, down 0.29% with a trading volume of 1.7881 million shares and a transaction value of 617 million yuan [1] - Huaxia Bank closed at 6.77, down 0.59% with a trading volume of 492,100 shares and a transaction value of 334 million yuan [1] - Ping An Bank closed at 11.38, down 0.61% with a trading volume of 596,400 shares and a transaction value of 680 million yuan [1] - Zhejiang Commercial Bank closed at 3.01, down 0.66% with a trading volume of 1.0164 million shares and a transaction value of 307 million yuan [1] - Industrial Bank closed at 20.13, down 0.79% with a trading volume of 522,200 shares and a transaction value of 1.056 billion yuan [1] - Pudong Development Bank closed at 12.54, down 2.11% with a trading volume of 491,800 shares and a transaction value of 620 million yuan [1] Capital Flow Analysis - The joint-stock bank sector experienced a net inflow of 164 million yuan from institutional investors, while retail investors saw a net inflow of 118 million yuan [1] - However, speculative funds had a net outflow of 282 million yuan [1] Detailed Capital Flow for Individual Banks - China Merchants Bank had a net inflow of 324 million yuan from institutional investors, but a net outflow of 214 million yuan from speculative funds [2] - Huaxia Bank saw a net outflow of 1.172 million yuan from institutional investors, but a net inflow of 385,400 yuan from speculative funds [2] - Citic Bank experienced a net outflow of 639,310 yuan from institutional investors and a net outflow of 176,290 yuan from speculative funds [2] - Industrial Bank had a net outflow of 1.297 million yuan from institutional investors and a net outflow of 36.539 million yuan from speculative funds [2] - Ping An Bank faced a net outflow of 1.862 million yuan from institutional investors, while retail investors contributed a net inflow of 1.607 million yuan [2] - Zhejiang Commercial Bank had a net outflow of 1.953 million yuan from institutional investors, but a net inflow of 1.398 million yuan from retail investors [2] - Everbright Bank saw a net outflow of 2.857 million yuan from institutional investors, with a net inflow of 4.665 million yuan from retail investors [2] - Pudong Development Bank had a net outflow of 3.323 million yuan from institutional investors, but a net inflow of 5.201 million yuan from retail investors [2] - Minsheng Bank experienced a net outflow of 4.007 million yuan from institutional investors, while retail investors contributed a net inflow of 4.548 million yuan [2]

这一双项荣誉的取得，源于浙商银行北京分行对消费者权益保护工作的高度重视和创新探索。北京分行 积极顺应数字化传播趋势，精心打造了一系列内容丰富、形式新颖的金融知识普及短视频，通过社交媒 体平台触达更广泛的受众群体，有效提升了金融教育的传播效果和社会影响力。 未来，浙商银行北京分行将继续深耕金融消费者教育领域，不断创新内容形式和传播渠道，以更优质、 更生动、更高效的金融知识普及作品，履行金融机构的社会责任，切实保护消费者合法权益，为构建健 康和谐的金融环境持续贡献专业力量。 展播盛典在国家金融监督管理总局北京监管局领导的致辞中拉开帷幕。本届盛典发布的四大类优秀短视 频评选结果中，浙商银行北京分行表现突出，一举斩获两项大奖："金融基础知识普及类"十佳短视频 和"金融便民惠民服务类"十佳短视频。 近日，在由国家金融监督管理总局北京监管局指导，北京广播电视台财经频道与北京市银行业协会等单 位联合举办的第二届"首都金融卫士"优秀短视频展播活动上，浙商银行北京分行荣获两项"十佳短视 频"大奖。 ...

Core Viewpoint - The article emphasizes the importance of distinguishing between various bank wealth management products with similar names and characteristics, providing a weekly performance ranking of these products to assist investors in making informed choices [1][2]. Group 1: Product Performance Rankings - The article presents a ranking of wealth management products based on their annualized returns for different holding periods: 7 days, 14 days, 30 days, and 60 days [1]. - For the 7-day holding period, the top-performing product is from Minsheng Bank with an annualized return of 9.75% [4]. - The 14-day holding period rankings show Minsheng Bank's product achieving an annualized return of 8.34% [6]. - In the 30-day holding period, Hangzhou Bank leads with a return of 24.26% [11]. - For the 60-day holding period, China Bank's product tops the list with a return of 26.21% [15]. Group 2: Investment Institutions - The ranking includes products from 28 distribution institutions, such as Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, and others [1]. - The performance data is sourced from the Nanfang Financial Terminal, ensuring a comprehensive overview of available products [4][11][15]. Group 3: Methodology and Data Collection - The performance metrics are calculated based on the annualized yield over the respective holding periods, with the same institution and product series retained for comparison [1]. - The article advises investors to refer to the actual product listings on the banks' apps, as availability may vary due to factors like quota exhaustion [1].

Investment Rating - The report maintains a positive outlook on the banking sector, suggesting potential investment opportunities due to favorable policy catalysts and improving fundamentals in certain banks [12]. Core Insights - The report highlights the adequacy of loan loss provisions among listed banks, with a provision coverage ratio of 70.8% for Stage 3 loans, indicating limited future impact on profits [2][12]. - It emphasizes the improvement in asset quality, particularly in Stage 3 loans, with notable reductions in the proportion of such loans for several banks compared to the end of Q4 2024 [1][2]. - The report suggests a focus on banks with positive fundamental changes and continuous improvement in financial statements, recommending specific banks for investment [12]. Summary by Sections 1. Loan Quality and Provisioning - The proportion of Stage 3 loans is relatively low for banks like Chengdu Bank (0.66%) and Ningbo Bank (0.76) [1]. - Significant improvements in Stage 3 loan ratios were observed for Chongqing Bank (-61bp) and Guiyang Bank (-48bp) compared to Q4 2024 [1]. - The provision coverage for Stage 3 loans is high, with leading banks like Qingnong Bank (4.35%) and Yunan Bank (4.16%) showing strong provisioning ratios [2]. 2. Financial Assets - The proportion of Stage 3 financial assets is low, with most banks not exceeding 0.05%, indicating manageable asset quality pressure [4]. - The report notes that the provision coverage for financial investments is also robust, with Zhejiang Bank (3.16%) and Qingdao Bank (2.85%) leading in provisioning ratios [8]. 3. Sector Outlook - The report anticipates that expansionary policies aimed at stabilizing the economy will benefit the banking sector, with a focus on banks like Ningbo Bank and Jiangsu Bank for potential investment [12]. - It highlights the ongoing economic recovery and the potential for interest rate cuts, suggesting a sustained dividend strategy for certain banks [12].

Core Viewpoint - Zhejiang Merchants Bank Hefei Branch successfully provided a total of 300 million yuan in "Internal Guarantee Free Trade Loans" to Anhui Jiatong Radial Tire Co., Ltd, addressing the company's overseas funding needs and supporting its international sales recovery [1][1]. Company Summary - Anhui Jiatong Radial Tire Co., Ltd is one of the three major production bases established by Jiatong Group in China, with annual sales revenue exceeding 5 billion yuan and products exported to over 130 countries and regions [1][1]. - The company is the largest tire production base of the group within China and represents a significant player in the internationalization of Chinese manufacturing [1][1]. Financial Service Summary - Zhejiang Merchants Bank Hefei Branch actively recommended "Internal Guarantee Free Trade Loans" and "Cross-Border Asset Pools" after thoroughly understanding the company's situation, providing comprehensive services from account opening to financing implementation [1][1]. - The collaboration has been positively received by Anhui Jiatong Radial Tire Co., Ltd, highlighting the efficiency and attentiveness of the bank's services, which has strengthened the company's confidence in future cooperation [1][1]. Industry Development Summary - This collaboration marks another beneficial exploration by Zhejiang Merchants Bank Hefei Branch in the field of cross-border financial services for the manufacturing industry [1][1]. - The bank aims to continue leveraging its professional advantages to prioritize financial consumers and support the high-quality development of the local manufacturing sector [1][1].

为积极践行金融机构社会责任，提升社区居民的金融素养和风险防范意识，近日，浙商银行北京分行聚 焦社区群体需求，深入多个社区，通过主题宣讲、趣味互动等多元形式开展"金融教育宣传周"活动，将 实用的金融知识送到居民家门口。 浙商银行北京分行走进大兴清城南区老干部活动中心，将金融教育与手工制作巧妙结合。活动现场，工 作人员先简短讲解"防范冒充公检法诈骗"的核心要点，随后指导老人们制作手工灯笼，过程中穿插"遇 到陌生来电称'涉嫌违法'该怎么办"等小问题，让大家在动手创作的轻松氛围中，自然吸收金融防骗知 识。 在大兴区枣园东里社区，工作人员针对社区中老年居民较多的特点，以"防范养老金融风险"为主题搭建 宣传台。台上整齐摆放"识别养老诈骗""远离非法集资"等主题宣传折页，工作人员结合"虚假养老项 目""保健品捆绑投资"等真实案例，现场讲解"定期存款提前支取的利息计算""社保卡金融功能激活"等 知识点，还手把手教居民通过银行APP查询账户安全状态，现场互动氛围热烈。 走进朝阳区十八里店乡华侨城社区，浙商银行北京分行将宣传重点放在"日常金融安全"上。工作人员在 社区活动广场设立咨询点，围绕"守护个人信息""识别假币技巧""防范 ...

Core Viewpoint - The company plans to pledge up to 900 million yuan of accounts receivable to Zheshang Bank Hangzhou Branch for financing purposes, which will support business development and optimize financial structure [1] Financing Details - The pledged amount of 900 million yuan can be reused and is valid for one year from the date of approval by the board of directors [1] - The financing is intended to meet the company's daily funding needs and reduce financing costs [1] Corporate Governance - The proposal was approved during the 18th meeting of the company's fifth board of directors, falling within the board's approval authority [1] - Zheshang Bank Hangzhou Branch has a good credit rating and no other relationship with the company [1]