Group 1 - The core viewpoint of the article highlights the increasing normalization of banks adjusting the risk levels of mutual fund products they distribute, with several banks, including China Construction Bank, Minsheng Bank, and Postal Savings Bank, making multiple adjustments this year [1][2][3] - China Construction Bank announced a batch increase in risk levels for 87 mutual fund products, marking its fourth adjustment this year, with 32 products raised from R2 (medium-low risk) to R3 (medium risk) and 55 from R3 to R4 (medium-high risk) [2][3] - Minsheng Bank and Postal Savings Bank have also made similar adjustments, with Minsheng Bank raising the risk levels of eight low-risk fund products to medium risk, and Postal Savings Bank adjusting 86 mutual fund products in two recent announcements [2][3] Group 2 - The adjustments are attributed to a combination of factors including the characteristics of mutual fund products, market conditions, and regulatory guidance, which aim to reduce the risk mismatch between investors and products [2][3] - Regulatory frameworks, such as the Asset Management New Regulations, emphasize the importance of risk matching, compelling institutions to establish dynamic risk rating mechanisms to prevent ratings from lagging behind actual product risks [3][4] - The changes are expected to become a routine practice, as banks need to dynamically assess product risks to fulfill their suitability obligations and protect investor interests [3][4] Group 3 - The impact of these changes on investors is twofold; short-term, conservative investors may choose to redeem their investments due to increased risk levels, while long-term, dynamic rating mechanisms can enhance risk transparency and reduce mismatches [4][5] - The industry may shift from a product-selling approach to a service-oriented model, prompting fund companies to improve their research and investment capabilities, thereby fostering a healthier market ecosystem [4]

Group 1 - The major fire incident at Hong Kong's Tai Po Wang Fuk Court has led to significant casualties and has drawn attention from various sectors of society [1] - The banking industry has quickly activated emergency mechanisms, providing donations, material support, and financial service green channels to establish a "financial lifeline" for disaster relief [1] - Agricultural Bank of China, along with its local institutions, will donate HKD 10 million to support fire rescue and post-disaster reconstruction efforts [1] - Industrial and Commercial Bank of China (ICBC) and its local institutions will also contribute HKD 10 million for disaster relief and reconstruction [1] - China Construction Bank is donating HKD 10 million for emergency rescue, transitional housing, and post-disaster recovery, while also opening a green channel for cross-border donations [1] - Minsheng Bank's Hong Kong branch will donate HKD 5 million to the "Tai Po Wang Fuk Court Relief Fund" established by the Hong Kong government for emergency assistance [1] - Bank of China Hong Kong will contribute HKD 20 million and establish a dedicated account for public donations [1] Group 2 - China Construction Bank (CCB) Asia has initiated three emergency measures for affected residents, including flexible identity verification for withdrawals and waiving early withdrawal fees for fixed deposits [2] - CCB Asia has also launched a fundraising campaign, raising HKD 2 million for emergency relief and community rebuilding efforts [2] - ICBC Asia's Tai Po branch has extended service hours and set up dedicated service windows for affected customers, offering various conveniences such as cardless cash withdrawals and expedited card replacements [2] - Bank of Communications (Hong Kong) has established emergency service stations and extended branch hours, providing fee-free withdrawals and flexible loan arrangements for affected customers [2]

Core Viewpoint - The Financial Stability Board (FSB) has released the updated list of Global Systemically Important Banks (G-SIBs) for 2025, which includes five banks from China, maintaining the same number as in 2024 but with adjustments in classification groups [1] Group 1: Inclusion of Chinese Banks - Five Chinese banks have been included in the 2025 G-SIBs list: Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, and Bank of Communications [1] - The classification groups for these banks have been adjusted, with Bank of Communications in Group 1 (additional capital requirement of 1%), Agricultural Bank of China, Bank of China, and China Construction Bank in Group 2 (additional capital requirement of 1.5%), and Industrial and Commercial Bank of China in Group 3 (additional capital requirement of 2.0%) [1]

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告之內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因依 賴該等內容而引致之任何損失承擔任何責任。 00939 董事會會議決議公告 （2025年11月28日） 中國建設銀行股份有限公司（「本行」）董事會會議（「本次會議」）以書面議案方式召 開。本行於2025年11月28日發出本次會議通知，並於當日收到全體董事的書面表 決意見。本次會議的召開符合《中華人民共和國公司法》《中國建設銀行股份有限公 司章程》等規定。 2025年11月28日 於本公告日期，本行的執行董事為張金良先生、張毅先生和紀志宏先生，本行的 非執行董事為辛曉岱女士、劉芳女士、李璐女士、李莉女士和竇洪權先生，本行 的獨立非執行董事為威廉•科恩先生、梁錦松先生、詹誠信勛爵、林志軍先生和 張為國先生。 本次會議審議通過《關於向香港大埔宏福苑火災公益捐贈的議案》。 表決情況：同意13票，反對0票，棄權0票。 本次會議同意捐贈1,000萬港元，用於受災民眾緊急救援、過渡安置及災後恢復工 作。 特此公告。 中國建設銀行股份有限公司 董事會 ...

Core Viewpoint - Multiple financial institutions in Hong Kong have mobilized to support disaster relief and recovery efforts following a fire incident at the Hong Fu Court in Tai Po, demonstrating a strong commitment to corporate social responsibility and community support [1] Group 1: Actions by Major Banks - Industrial and Commercial Bank of China (ICBC) has organized a volunteer team and provided emergency financial services, including loan extensions and fee waivers for affected customers [2] - Agricultural Bank of China plans to donate HKD 10 million and is coordinating with local organizations for targeted donations and support for insurance claims [3] - Bank of China is donating HKD 20 million and has set up a dedicated donation account, while also offering expedited banking services for affected clients [4] - China Construction Bank is donating HKD 10 million and has established a green channel for cross-border donations, along with various financial support measures for affected customers [5] - Bank of Communications has set up emergency service stations and extended branch hours to assist affected clients [6][7] - Minsheng Bank has donated HKD 5 million to the relief fund and expressed condolences to the victims [8] Group 2: Contributions from Foreign Banks - HSBC and Hang Seng Bank have jointly donated HKD 30 million to support the affected residents and families [8] - Standard Chartered Bank is contributing HKD 10 million and is providing flexible loan repayment options for affected customers [9] - HSBC's chairman emphasized the importance of collaborating with community partners to address urgent needs [9]

【上调！多家银行公告！】近日，多家银行公告上调部分代销公募基金产品风险等级。 具体来说，建设银行近日发布《关于调整部分代销公募基金产品风险等级的公告》表示，根据《证券期 货投资者适当性管理办法》（证监会令第130号）、《基金募集机构投资者适当性管理实施指引（试 行）》（中基协发〔2017〕4号）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。 记者注意到，近期除了建设银行、民生银行等，邮储银行、中信银行等银行也调整了部分代销基金的风 险评级。 普益标准研究员何雨芮告诉记者，银行采取上述动作，一是落实监管要求，践行"孰高原则"：《商业银 行代理销售业务管理办法》要求销售机构遵循产品风险等级评定的"孰高原则"，即在评价基金风险时， 如果其投资标的、市场环境等因素导致潜在风险提高，就应该采用更高级别的风险评级。二是及时反映 市场变化，保护投资者：金融市场是动态变化的。特别是在权益市场波动、债市调整的背景下，一些基 金产品的实际风险特征可能已经发生了变化。银行通过动态评估并上调风险等级，是在提醒投资者重新 审视这些产品是否仍与风险承受能 ...

中国建设银行股份有限公司 董事会会议决议公告 （2025 年 11 月 28 日） 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或 者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 股票代码：601939 股票简称：建设银行 公告编号：临 2025-067 特此公告。 中国建设银行股份有限公司董事会 2025 年 11 月 28 日 本次会议审议通过《关于向香港大埔宏福苑火灾公益捐赠的议 案》。 表决情况：同意 13 票，反对 0 票，弃权 0 票。 本次会议同意捐赠 1,000 万港元，用于受灾民众紧急救援、过渡 安置及灾后恢复工作。 中国建设银行股份有限公司（以下简称本行）董事会会议（以下 简称本次会议）以书面议案方式召开。本行于 2025 年 11 月 28 日发 出本次会议通知，并于当日收到全体董事的书面表决意见。本次会议 的召开符合《中华人民共和国公司法》《中国建设银行股份有限公司 章程》等规定。 ...

午后，重庆突然集体异动拉升。重庆建工（600939）直线拉升涨停，财信发展、渝开发、重庆路桥、中设咨询等冲高。 3﹒建设全国一体化算力网络成渝国家枢纽节点 强化数据开发利用。发挥企业"数据要素×"主体作用，在重点领域建设一批行业高质量数据集。建设全国一体化算力网络成渝国家枢纽节点，加快推进"疆 算入渝"工程，迭代国家（西部）算力调度平台。推进智能网联汽车"车路云一体化"试点，打造智能汽车大数据云控基础平台，建设国家工业互联网大数 据区域及行业分中心。建成国家区块链网络区域枢纽。深化中新（重庆）国际互联网数据专用通道应用。发挥重庆人工智能学院、重庆通用人工智能研究 院、重庆市医学影像大数据与医疗AI研究中心平台作用，引进和培育数据企业，建设国家级数据产业集聚区。 | 重庆建工(600939) 2025年11月28日 星期五 PageUp/Down:前后日 空格键:操作 | | | | | | --- | --- | --- | --- | --- | | 東宋津 分时(静态) | 10.09% | 13:53 | 3.82 | 216 | | 3.82 | | 13:54 | 3.82 | 22 | | 3.7 ...

中经记者 慈玉鹏 北京报道 近日，多家银行公告上调部分代销公募基金产品风险等级。 具体来说，建设银行近日发布《关于调整部分代销公募基金产品风险等级的公告》表示，根据《证券期 货投资者适当性管理办法》（证监会令第130号）、《基金募集机构投资者适当性管理实施指引（试 行）》（中基协发〔2017〕4号）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。 建设银行方面表示，近期已调整部分代销公募基金产品风险等级。调整后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，请及时关注。 虽然近期基金申购费率优惠已非常普遍，但过低的费率也难以持续。何雨芮告诉记者，一是《规定》虽 然下调了基金的认申购费率上限，但也规定不得"以低于成本的费用销售基金"，限制了盲目通过降费揽 客的行为。二是银行代销需承担系统建设、人员培训、合规风控等成本，且基金代销是银行中间业务收 入重要来源，完全免费或对利润形成冲击。三是从行业发展前景来看，未来将从单纯的价格战，转向价 值竞争，着力提升服务深度、产品筛选能力和资产配置能力，真正为投资者创造价值。 （编辑 ...

作为1999年为处置国有银行不良资产设立的机构，长城资产初始职责是接收中国农业银行剥离的不良资 产，此次通过临时提案推动其总裁助理史剑出任建行非执行董事，是其市场化战略投资的重要落子。 智通财经记者 | 张晓云 国有AMC（资产管理公司）布局银行再添样本。 11月28日，建设银行（601939.SH）披露2025年第二次临时股东大会的决议公告，将长城资产管理股份 有限公司（下称"长城资产"）的战略布局推向台前。 值得注意的是，长城资产的布局已呈现多元化态势。除建行外，其持有的民生银行股份超过3%，并已 获得民生银行董事席位提名。近期，长城资产提名的郑海阳民生银行董事任职已获得监管批复通过。因 此，长城资产已双线卡位建行、民生银行董事席位。 业内人士向智通财经表示，目前史剑提名已获股东大会投票通过，尚待监管核准，如果监管通过，不仅 标志着长城资产完成对建行的"董事席位"突破，更意味着长城资产可能通过权益法核算，迎来第二笔大 额损益确认，为自身业绩注入强心剂。 与此同时，这也延续了国有AMC通过股权绑定深度参与银行治理的行业趋势。从市场化增持达线到推 动人事落地，既有对财务收益与业务协同的双重考量，也成为观察AM ...