Core Insights - Commercial banks are actively adjusting the risk ratings of mutual funds they sell, with a significant increase in the number of funds affected, indicating a proactive approach to risk management in the current market environment [2][3] - Banks are also offering promotional activities, such as reduced subscription fees for mutual funds, to enhance sales during the year-end peak season, reflecting a competitive strategy to attract investors [5][6] Group 1: Risk Rating Adjustments - On November 25, China Construction Bank announced an increase in the risk ratings of 87 mutual fund products, marking the largest adjustment in two years, with 32 funds upgraded from R2 (medium-low risk) to R3 (medium risk) and 55 funds from R3 to R4 (medium-high risk) [2] - This adjustment is part of a broader trend, as several banks, including Minsheng Bank and CITIC Bank, have also revised the risk ratings of their mutual fund offerings multiple times throughout the year [3] - The reasons for these adjustments include regulatory requirements, market conditions, and changes in target customer profiles, aimed at ensuring accurate risk assessments for investors [3] Group 2: Promotional Activities - Many banks, including Industrial and Commercial Bank of China and Minsheng Bank, have launched promotional activities offering discounts on subscription fees for certain mutual funds, with some fees reduced to as low as 10% of the original rate [5] - These promotional efforts are part of a broader strategy to boost sales during the year-end peak season, with reports indicating that some branches have exceeded their sales targets significantly [6] - The fee discount structure varies among banks, with options including no discount, 50% off, 10% off, and even full waivers, allowing branches to tailor their offerings based on sales needs [5] Group 3: Wealth Management Trends - As deposit rates decline and residents become more aware of wealth management options, banks are intensifying their efforts in selling mutual funds and other asset management products [1][6] - The trend towards increased sales of wealth management products is reflected in the growth of fee and commission income for many banks, with some reporting year-on-year increases exceeding 10% [6] - Analysts suggest that the changing landscape of deposit rates and the aging population will likely lead to a higher allocation of assets towards mid-to-high-risk financial products [7]

Core Viewpoint - Several major state-owned and joint-stock banks have recently announced adjustments to the risk levels of certain publicly offered fund products they distribute, indicating a trend towards increased risk assessment in the banking sector [1][5]. Group 1: Adjustments by Banks - China Construction Bank (CCB) announced on November 25 that it has adjusted the risk levels of some publicly offered fund products to fulfill its suitability obligations and protect investor rights [1][5]. - The adjustments include a total of 87 products, with 32 products' risk levels raised from "R2 - Medium-Low Risk" to "R3 - Medium Risk," and 55 products raised from "R3 - Medium Risk" to "R4 - Medium-High Risk" [3][4]. Group 2: Regulatory Compliance - The adjustments made by CCB are based on regulatory requirements, including the "Securities and Futures Investor Suitability Management Measures" and other relevant guidelines [4][6]. - Other banks, such as Postal Savings Bank, Citic Bank, and Minsheng Bank, have also made similar adjustments to their fund risk ratings, indicating a broader industry trend [5][6]. Group 3: Market Considerations - The adjustments are driven by both regulatory compliance and current market volatility, with banks needing to accurately reflect product risks due to increased fluctuations in underlying assets [7]. - The trend of raising risk ratings is seen as a proactive measure by banks to enhance investor suitability management and does not necessarily indicate a universal increase in market risk for publicly offered funds [7].

Core Insights - The foreign exchange business reform has been positively received by commercial banks and the public, with 26 banks participating as of September 2025, covering various types of banks across the country [1][2] Group 1: Reform Implementation and Participation - As of September 2025, 26 banks are involved in the foreign exchange business reform, including 5 large banks, 9 joint-stock banks, 4 city commercial banks, and 8 foreign banks [1] - The newly added banks in the third quarter include Industrial and Commercial Bank of China, Deutsche Bank, Mizuho Bank, and Mitsubishi UFJ Financial Group [2] Group 2: Benefits of the Reform - The reform has reduced the burden on enterprises, allowing them to handle foreign exchange transactions more efficiently, with some businesses experiencing a significant reduction in processing time from days to minutes [3] - Banks have improved their customer identification and service capabilities, leading to a reduction in average processing time for transactions by over 50% [3] - The reform has enhanced regulatory quality, with banks establishing risk monitoring systems to better track cross-border transactions and identify abnormal activities early [3] Group 3: Future Directions - The State Administration of Foreign Exchange plans to further enhance the foreign exchange management system, focusing on convenience, openness, security, and intelligence [4] - Future efforts will include expanding the coverage of the reform to benefit more enterprises and integrating various facilitation policies [4] - The application of new technologies such as artificial intelligence and big data will be encouraged to improve efficiency in foreign exchange services [4]

市场消息：京东竞购香港中环建设银行大厦50%股权。 ...

11月26日，建设银行盘中下跌2.03%，截至11:00，报9.65元/股，成交7.01亿元，换手率0.75%，总市值 25244.44亿元。 资金流向方面，主力资金净流出6929.26万元，特大单买入7233.06万元，占比10.31%，卖出8658.16万 元，占比12.35%；大单买入1.90亿元，占比27.12%，卖出2.45亿元，占比34.96%。 分红方面，建设银行A股上市后累计派现12750.04亿元。近三年，累计派现2980.13亿元。 机构持仓方面，截止2025年9月30日，建设银行十大流通股东中，中国证券金融股份有限公司位居第三 大流通股东，持股21.89亿股，持股数量较上期不变。香港中央结算有限公司位居第七大流通股东，持 股5.77亿股，相比上期减少2.02亿股。 责任编辑：小浪快报 建设银行今年以来股价涨15.06%，近5个交易日涨1.37%，近20日涨4.55%，近60日涨5.46%。 资料显示，中国建设银行股份有限公司位于北京市西城区金融大街25号,香港中环干诺道中3号中国建设 银行大厦28楼，成立日期2004年9月17日，上市日期2007年9月25日，公司主营业务涉及商业银行业务 ...

港交所，打通国际资本市场通道；在公司设备更新阶段，建行江苏苏州分行高效联动集团内部资源，为 公司锂电池制造项目迅速批复20亿元授信，助力公司产业转型升级。 在支持企业转型升级方面，建行通过"建'工'升级"行动，为企业提供全方位支持。 制造业是国家经济命脉所系，是立国之本、强国之基。当前，我国正加快推进新型工业化，坚定不移把 制造业和实体经济做强做优做大。党的二十届四中全会提出"坚持智能化、绿色化、融合化方向，加快 建设制造强国""构建以先进制造业为骨干的现代化产业体系"。 作为国有大行，中国建设银行（简称"建行"）积极贯彻落实党的二十届四中全会精神，将金融服务新型 工业化列为长期经营战略，强化统筹谋划、系统部署。今年10月16日，建行正式发布支持新型工业 化"善建智造"服务方案，围绕"向'新'而行，建'工'利业"主题，推进"建'工'长融""建'工'科创""建'工'升 级""建'工'链融""建'工'集群""建'工'跨境"六大专项行动，构建长期融资、科技创新、转型升级、产业 链条、产业集群、跨境发展六大产品服务体系，为新型工业化高质量发展注入强劲金融动能。未来3 年，建行力争为各类制造业主体提供融资规模超5万亿元 ...

细节里的温度 智慧柜员机前,工作人员正耐心指导着老人办理业务；重阳驿站里,志愿者正陪着独居老人唠着家常…… 这些细碎而温暖的瞬间,勾勒出"老有颐养"最动人的模样。多年来,建行山东省分行始终揣着对银发群体 的牵挂,以"金融为民"的赤诚,将专业服务揉进烟火温情。在城市街巷、社区网点,那些适老化的贴心设 计、赋能产业的精准支持,正一点点拼凑成老年人安享晚年的幸福图景。 "坐在这里办业务,高度和角度都恰到好处,不用排队等待人工服务,工作人员在对面指导着,点哪里、怎么 做都一目了然。"在建设银行济南分行营业部,坐式智慧柜员机前的张先生满脸赞许。这台专为银发群体 设计的设备藏着不少"小心思":双屏同步显示指导操作,再也不用弯腰探头；放大的字体和清晰的图标,驱 散了视觉模糊的困扰；特意预留的容膝空间,让坐轮椅的老人也能舒适操作。 养老产业并购涉及资产估值、资质传承等多重专业领域,且投资回收期长、风险评估难度大。为此,潍坊 分行组建由业务骨干、风险专家及外聘法律税务顾问构成的专项团队,深入调研床位利用率、服务定价 等核心指标,量身定制"长期贷款+弹性还款"融资方案,匹配养老产业投资回收周期,设置还款宽限期减轻 企业压力。同时 ...

转自：新华财经 "建行的服务效率和业务专业性真是太高了，业务试点当天就为我们办理了武汉市首笔绿色外债业务， 提高了我们的融资额度的同时，流程更加便利快捷了。"武汉菲亚姆电气有限公司财务负责人表示。 11月24日，在国家外汇管理局湖北分局指导下，建设银行湖北省分行成功为武汉菲亚姆电气有限公司办 理武汉市首笔绿色外债试点业务，外债金额为1000万元人民币，有效助力湖北省新能源汽车零部件生 产。 绿色外债试点政策是国家外汇管理局支持绿色低碳发展、拓宽企业绿色用途融资渠道的重要举措。试点 政策允许符合条件的非金融企业从境外融入本外币资金，专项用于绿色或低碳转型项目，并在跨境融资 宏观审慎管理框架下享受更多便利化措施。按照国家外汇管理局湖北分局有关规定，目前绿色外债试点 业务的类别风险转换因子暂定为0.5，意味着符合条件的境内非金融企业可在跨境融资风险加权余额上 限内借用更多金额的外债。 为更好落实绿色外债试点政策，便利非金融企业开展绿色外债试点业务，政策发布前，建设银行湖北省 分行邀请国家外汇管理局湖北分局专家现场指导解读试点政策要点，交流试点业务实施流程等内容。为 落实试点政策要求，建设银行湖北分行还制定了相关操作 ...

国内多家品牌金饰克价涨至1315元 11月25日，国内黄金饰品价格对比显示，多家黄金珠宝品牌公布的境内足金首饰价格较昨日有所上调， 周生生报价1315元/克，周大福报价1312元/克，老凤祥报价1315元/克，老庙黄金上海区域克价为1315 元，六福珠宝报价1310元/克。（智通财经） 建设银行上调87只代销公募基金风险等级 11月25日，建设银行发布公告称，根据《证券期货投资者适当性管理办法》《基金募集机构投资者适当 性管理实施指引（试行）》《商业银行代理销售业务管理办法》等规定要求，为切实履行适当性义务， 保护投资者权益，该行遵循公募基金产品风险等级评定孰高原则，并持续开展产品风险等级动态评估工 作。近期已调整部分代销公募基金产品风险等级。北京商报记者梳理调整清单发现，此次共涉及87只产 品，风险等级均有所上调：其中32只原"中低风险"产品调整为"中风险"，55只原"中风险"产品调整 为"中高风险"。建设银行提示，调整后部分客户风险承受能力评估等级可能存在与产品风险等级不匹配 情况，请投资者及时关注。（北京商报） 充电宝新规将落地业内人士：成本或提升20%-30%现有3C产品仍可登机 三星AR眼镜专利曝光 ...

【导读】深圳金融监管局多措并举稳外贸促消费 11月25日，深圳金融监管局组织召开2025年"凝聚改革共识提振发展信心"第四场新闻发布会，介绍深圳 银行业保险业近期运行情况，通报深圳银行业保险业稳外贸促消费有关工作举措和成效。 据介绍，2025年前10个月，全市中资银行新发放外贸企业贷款7635.66亿元，同比增长9.83%；截至2025 年10月末，全市个人消费贷款余额为8352.88亿元，同比增长4.95%。 截至10月末，深圳金融监管局监管的银行业资产总额为14.36万亿元，同比增长4.37%；前10个月，辖区 保险业实现原保险保费收入1910.45亿元，同比增长12.20%。银行业资产总额和原保险保费收入规模均 居全国大中城市第三位。 中国进出口银行深圳分行、中国建设银行深圳市分行、招商银行深圳分行、出口信保深圳分公司和招联 消金相关负责人分别介绍了本机构稳外贸促消费有关工作举措和成效。 多措并举稳外贸促消费，金融精准滴灌打通经济循环脉络 潘文波介绍，2025年，面对严峻复杂的外部环境，深圳金融监管局强化监管引领，引导深圳银行业保险 业为外贸企业稳健发展注入强劲金融动能。2025年前10个月，全市中资银 ...