民营经济是推进中国式现代化的生力军，是高质量发展的重要基础，在稳定增长、促进创新、增加就 业、改善民生等方面都发挥着积极作用。作为根植赣鄱大地的国有大行，建设银行江西省分行始终以服 务实体经济高质量发展为己任，问需于企、精准服务，通过加大信贷支持力度、创新金融产品体系和优 化服务机制等措施，护航民营经济满帆前行。截至7月末，民营经济贷款余额1413亿元，同比增长258亿 元，民营经济贷款较年初新增198亿元，增长率16.3%。 播洒融资"及时雨" 激发民营经济"新动能" 走进位于南昌国家高新技术产业开发区的联创电子科技股份有限公司的电子展厅，仿佛踏进了一片科技 的星河。高清广角镜头及影像模具、汽车高级辅助安全驾驶车载镜头模具等精密生产设备静静陈列，从 手机镜头到运动相机镜头再到智能车载镜头，生动展现着"南昌智造"在现实生活中的运用场景。 作为南昌"土生土长"的国家高新技术企业，联创电子始终秉承"联合共赢、创新发展"的经营理念，致力 于光学镜头及影像模组、触控显示器件等新型光学光电产业的研发和制造，其产品广泛应用于智能终 端、智能汽车、智慧家庭、智慧城市等领域。 "面对产业升级浪潮，联创电子成功切入新能源汽车智 ...

金融界8月18日消息，上证指数高开高走，中证香港300相对价值指数 (HK300RV，H11174)报2207.11 点。 数据统计显示，中证香港300相对价值指数近一个月上涨3.28%，近三个月上涨11.08%，年至今上涨 27.60%。 据了解，中证香港300风格指数系列由中证香港300成长指数、中证香港300价值指数、中证香港300相对 成长指数以及中证香港300相对价值指数4条指数构成，以反映基于中证香港300指数样本的不同风格证 券的整体表现。该指数以2004年12月31日为基日，以1000.0点为基点。 资料显示，指数样本每半年调整一次，样本调整实施时间分别为每年6月和12月的第二个星期五的下一 交易日。中证香港300价值指数和中证香港300成长指数每次调整的样本比例一般不超过20%。定期调整 设置缓冲区，Z值在对应指数的样本空间中，排名在80名之前的新样本优先进入；排名120名之前的老 样本优先保留。权重因子随样本定期调整而调整，调整时间与指数样本定期调整实施时间相同。在下一 个定期调整日前，权重因子一般固定不变。遇临时调整时，当中证香港300指数调整样本时，指数样本 随之进行相应调整。当样本退 ...

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8.33亿元，游资资金净流出5.18亿元，散户资 金净流出3.14亿元。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 | | 6.17亿 | 15.27% | -3.19亿 | -7.88% | -2.99亿 | -7.38% | | 601658 邮储银行 | | 9437.61万 | 7.77% | 1972.98万 | 1.62% | -1.14亿 | -9.39% | | 601398 工商银行 | | 6526.64万 | 2.14% | -7533.77万 | -2.47% | 1007.12万 | 0.33% | | 601939 建设银行 | | 5018.50万 | 4.05% | -8510.98万 | -6.86% | 3492.47万 | 2.82% | | 601988 中 ...

今年8月，家住上海的郑女士接到一家银行信用卡的客服电话，建议她将该月的账单分期，并且现在可 以赠送一张分期"打折券"，打折后的年化费率在4%左右。 郑女士有些疑惑，自己的还款状态良好，为何会接到建议分期的电话？与身边人讨论后了解到，不少人 都有类似的经历。 她的一位朋友持有国有大行的信用卡，最近每月的还款提醒短信中都提示："您可以为本期账单办理账 单分期"。 硬币的另一面是，信用卡行业正在进行的"瘦身"调整，不少银行选择调整关闭信用卡分支机构。据记者 不完全统计，今年以来有超40家银行信用卡分中心获批关停。 素喜智研高级研究员苏筱芮对经济观察报表示，银行对信用卡权益、产品及分中心开展密集调整，因为 当前信用卡行业面临信用消费市场竞争日益激烈、信用资产有所承压、金融消保工作不断细化等考验， 站在了转型变革的十字路口。 多位研究人士提到，信用卡已经从"增量获客"进入到"存量竞争"时代。 苏筱芮认为，信用卡行业存量竞争阶段，也是数字科技日新月异的阶段，利用大数据、人工智能等新技 术为传统信用卡业务提质增效是其中的机遇，但信用卡资产质量承压、互联网信用支付类产品愈发深入 使用的大环境之下，信用卡确实面临一些"内忧外患 ...

Market Performance - A-shares continued to rise, with the Shanghai Composite Index reaching a nearly 10-year high and the North Stock Exchange 50 Index hitting an all-time high [1] - As of the midday close, the Shanghai Composite Index increased by 1.18% to 3740.50 points, the Shenzhen Component Index rose by 2.25% to 11896.38 points, and the ChiNext Index surged by 3.63% to 2626.29 points [1] Trading Volume and Market Capitalization - The trading volume in the Shanghai and Shenzhen markets reached 1.75 trillion yuan, an increase of 419.6 billion yuan compared to the previous trading day [2] - The total market capitalization of A-shares surpassed 100 trillion yuan for the first time, reaching a historical high [2] Leading Stocks - Industrial and Commercial Bank of China (ICBC) ranked first in market capitalization at 2.68 trillion yuan, followed by Agricultural Bank of China at 2.41 trillion yuan [2] - Other notable companies with market capitalizations exceeding 1 trillion yuan include Kweichow Moutai, China Construction Bank, and CATL [2] Insurance Investment Trends - The scale of insurance capital investment in stocks reached a new high, with the total investment balance exceeding 36 trillion yuan, reflecting a year-on-year growth of 17.4% [4] - The proportion of stock investments by life insurance and property insurance companies has been continuously increasing [4] Investor Activity - The number of new individual investor accounts opened in July reached 1.96 million, a nearly 71% increase year-on-year [4] - The net inflow of "small single" funds increased by 39% month-on-month, indicating strong participation from individual investors [4] Market Sentiment and Policy Impact - Current market sentiment is described as "hot," with significant capital migration from fixed-income products to the stock market [4][5] - The recent market rally is attributed to policy support and the emergence of new growth drivers, rather than an improvement in macroeconomic expectations [5]

过去，传统处理方式难以两全。传统的露天"沤粪"处理能力有限，而零散的露天蚯蚓养殖虽能消化部分 牛粪，却因气味扰民，尤其是雨季污水易随雨水汇入河道，反而成为威胁黄河生态安全的隐患。为破解 这一难题，保障黄河生态安全，梁山城乡发展集团有限公司主动担当，摒弃了传统露天、林下养殖模 式，决心规划建设标准化大棚养殖场。 蓝图虽好，落地却需真金白银。"建大棚需要投入大量资金，"魏相东坦言，"关键时刻，建设银行梁山 支行精准捕捉到这一生态痛点与产业转型的结合点，主动对接我们的融资需求。"建设银行的介入，为 项目按下了加速键。 在金融活水的强力驱动下，一场绿色嬗变在黄河岸边加速推进。总投资近5000万元的标准化蚯蚓养殖项 目，迅速在碌碡庙村、洼里王村等四个村庄的160亩土地上拔地而起。面对巨大的资金缺口，建行山东 省分行迅速开辟绿色通道，截至目前已投放2000万元贷款，为项目注入了强劲动能。 "建行的资金，支撑的远不止钢筋骨架的大棚，"站在繁忙的工地上，魏相东说，"它支撑的是我们守护 黄河清水长流的决心，更是推动农业绿色循环发展的坚实能力。"目前，项目仍在紧锣密鼓推进中，14 个占地77亩的标准化大棚正在加紧建设。项目全部建 ...

Core Viewpoint - The implementation details for the new personal consumption loan interest subsidy policy are still pending, with banks awaiting specific operational guidelines from the government [1][2][3] Group 1: Policy Announcement and Implementation - The new policy was announced on August 12, with a subsidy of 1% per annum for eligible personal consumption loans starting from September 1 [1][3] - Banks have not yet received specific execution notifications regarding the subsidy, leading to uncertainty about its impact on loan interest rates [2][3] - The subsidy will be directly deducted from the interest charged to borrowers, potentially lowering the effective interest rates for consumers [2][3] Group 2: Subsidy Mechanism - The subsidy mechanism involves a pre-allocation of funds by the Ministry of Finance based on estimated loan issuance and subsidy needs from banks [3] - The annual subsidy rate is set at 1%, with a maximum limit of 50% of the loan contract interest rate, and a total cap of 3,000 yuan for each borrower across all loans [3][4] Group 3: Bank Responses and Current Loan Rates - Major banks, including Agricultural Bank and others, have begun to respond to the policy, indicating they will implement the subsidy in accordance with market principles [5] - Current personal consumption loan rates remain above 3%, with various banks offering rates between 3% and 3.6% depending on the borrower's creditworthiness [6][7] Group 4: Monitoring and Compliance - The policy emphasizes the need for banks to monitor the use of loan funds strictly to prevent misuse and ensure compliance with subsidy conditions [8][9] - There are concerns about the effectiveness of monitoring, as past practices allowed for some flexibility in the use of loan funds, which may complicate the implementation of the new subsidy [8][9]

一、核准郭鹏军中国建设银行股份有限公司河北省分行副行长的任职资格。 三、中国建设银行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固树立风险 合规意识，熟悉任职岗位职责，忠实勤勉履职。 2025年8月8日，河北金融监管局发布批复称，《中国建设银行（601939）股份有限公司关于核准郭鹏军 任职资格的请示》（建总函〔2025〕211号）收悉。经审核，现批复如下： 二、中国建设银行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自中国建设银行 政许可决定作出之日起3个月内到任，并按要求及时报告到任情况。未在上述规定期限内到任的，本批 复文件失效，由决定机关办理行政许可注销手续。 ...

Fund Overview - The fund is named "Agricultural Bank of China Balanced Value Mixed Securities Investment Fund" and is classified as a mixed securities investment fund [14] - The fund aims for steady asset appreciation while controlling risks, targeting long-term stable investment returns [15] - The fund's investment range includes various financial instruments such as stocks, bonds, and derivatives [16] Fund Details - The fund's minimum subscription amount is set at RMB 10, with no tiered subscription amounts [3] - The fund has a maximum fundraising limit of RMB 6 billion [19] - The fund's initial share value is RMB 1.00 [21] Subscription Process - The subscription period runs from August 1, 2025, to August 22, 2025 [25] - Investors must open a fund account with Agricultural Bank of China Fund Management Co., Ltd. to subscribe [2] - Multiple subscriptions are allowed during the fundraising period, but once a subscription application is accepted, it cannot be revoked [5] Sales Channels - The fund is available through direct sales by Agricultural Bank of China Fund Management Co., Ltd. and various distribution agencies [22][24] - Specific sales channels and locations are detailed in the announcement [12] Fund Management - The fund is managed by Agricultural Bank of China Fund Management Co., Ltd., which is responsible for the fund's operations and compliance with regulations [55] - The fund's custodian is China Construction Bank [56] Regulatory Compliance - The fund is registered with the China Securities Regulatory Commission under document number 2025-612 [13] - The fund's operations are subject to the relevant laws and regulations governing securities investment funds in China [18]

Group 1 - China Construction Bank Corporation (CCB) has applied for a patent titled "Method and Device for Processing Transaction Time Series Feature Data," with publication number CN120492512A, filed on April 2025 [1] - The patent describes a method that constructs a current time series financial transaction vector and utilizes related party transaction switches to control whether to update this vector, determining the need to retain previous transaction information [1] - The invention aims to improve the quality and usability of related transaction feature data by effectively capturing valid related transaction features in the time series data, adapting to changes in financial transaction information [1] Group 2 - China Construction Bank Corporation was established in 2004, located in Beijing, with a registered capital of approximately 25 billion RMB [2] - CCB has invested in 838 enterprises and participated in 5000 bidding projects, holding 1908 trademark records and 5000 patent records [2] - China Construction Bank's subsidiary, Jianxin Financial Technology Co., Ltd., was founded in 2018 in Shanghai, with a registered capital of approximately 173 million RMB [2] - Jianxin Financial Technology has invested in 6 enterprises and participated in 3752 bidding projects, holding 297 trademark records and 5000 patent records [2]