转自：新华财经 近日，上海市第五届"海聚英才"全球创新创业峰会主论坛在闵行大零号湾举办。建设银行上海市分行参加论坛并发布科创人才服务方案，正式启用"科创E建 行"微信小程序。 未来，建设银行上海市分行将持续以"科创E建行"为载体，深化科技金融创新，为科创人才提供更优质、更精准的服务，为上海全球科创中心建设贡献建行 力量。（邓侃） 编辑：谈瑞 作为上海重点打造的人才工作品牌，"海聚英才"峰会是全球科创资源与人才汇聚的重要平台。此次建行上海市分行携科创人才服务方案与专属小程序亮相， 既是对科技金融领域的持续深耕，也是对"金融服务人才"理念的生动实践。 近年来，建设银行上海市分行积极探索科技金融大文章，此前已率先布局"以技术生命周期布局市场"和"以企业生命周期服务客户"的双生命周期金融服务， 目前服务的科技企业贷款总量、贷款客户数量均稳居市场领先地位，为区域科创产业发展注入了强劲金融动力。 此次发布的科创人才服务方案及"科创E建行"微信小程序是建行上海市分行继续深耕科技金融领域的创新成果。小程序以"创业者的全发展轨迹"和"科创人才 的全生活旅程"为视角，通过"乐助创新""乐拓创业""乐居安家""乐趣生活""乐投理财 ...

Core Viewpoint - Several banks in China, including Minsheng Bank and China Construction Bank, have adjusted the risk ratings of certain publicly offered mutual funds to enhance investor protection and comply with regulatory requirements [1][2][3]. Group 1: Risk Rating Adjustments - Minsheng Bank announced on November 18 that it would change the risk ratings of eight mutual fund products from low risk to medium risk, effective November 19 [1]. - China Construction Bank has adjusted the risk ratings of 87 mutual fund products, with 32 products moving from "R2 - Medium-Low Risk" to "R3 - Medium Risk" and 55 products from "R3 - Medium Risk" to "R4 - Medium-High Risk" [1][2]. - Other banks, such as Postal Savings Bank and Citic Bank, have also made similar adjustments, with Postal Savings Bank raising the risk ratings of 80 mutual fund products and Citic Bank adjusting 17 asset management products [2][3]. Group 2: Regulatory Compliance - The adjustments are based on regulatory requirements, including the "Measures for the Management of Investor Suitability in Securities and Futures" and the "Implementation Guidelines for Investor Suitability Management by Fund Raising Institutions" [2]. - Banks are required to adhere to the principle of "higher risk rating" for similar products and must continuously evaluate product risk ratings in response to market and policy changes [3]. Group 3: Market Considerations - The adjustments reflect banks' responses to current market volatility, with increased net asset value fluctuations and liquidity risks in certain equity funds due to concentrated holdings [3]. - The changes are seen as proactive measures to enhance investor suitability management and do not indicate a general increase in risk across the mutual fund market [4].

Core Viewpoint - Several banks in China, including Minsheng Bank and China Construction Bank, have recently adjusted the risk ratings of certain publicly offered mutual funds, reflecting a broader industry trend towards stricter investor suitability management and compliance with regulatory requirements [1][2][3] Group 1: Risk Rating Adjustments - Minsheng Bank announced on November 18 that it would adjust the risk ratings of eight mutual fund products from low risk to medium risk, effective November 19 [1] - China Construction Bank has adjusted the risk ratings of 87 mutual fund products, with 32 products moving from "R2 - Medium-Low Risk" to "R3 - Medium Risk" and 55 products from "R3 - Medium Risk" to "R4 - Medium-High Risk" [1][2] - Other banks, such as Postal Savings Bank and Citic Bank, have also made similar adjustments, with Postal Savings Bank raising the risk ratings of 80 mutual fund products and Citic Bank adjusting 17 asset management products [2][3] Group 2: Regulatory Compliance - The adjustments made by banks are primarily based on regulatory requirements, including the "Securities and Futures Investor Suitability Management Measures" and the "Commercial Bank Agency Sales Business Management Measures" [2] - Banks are required to adhere to the principle of "higher risk rating" for similar products and must continuously evaluate product risk ratings in response to market and policy changes [2][3] Group 3: Market Considerations - The increase in risk ratings is driven by current market volatility, with certain equity funds showing increased net asset value fluctuations and liquidity risks due to concentrated holdings [3] - The adjustments are seen as proactive measures by banks to enhance investor suitability management and do not necessarily indicate a general increase in risk across the mutual fund market [3]

Core Viewpoint - Agricultural Bank of China is inviting employees and the public to contribute ideas for its 15th Five-Year Plan, aligning with the national economic and social development strategy outlined by the Communist Party [1] Group 1: National Strategy Alignment - State-owned banks are prioritizing national strategies, focusing on supporting the real economy, expanding domestic demand, and facilitating foreign trade during the 15th Five-Year Plan [2] - Agricultural Bank will enhance rural financial services and support agricultural modernization while promoting domestic consumption and effective investment [2] - China Bank aims to improve its global competitiveness and service capabilities, supporting the internationalization of the Renminbi and the Belt and Road Initiative [2] - Construction Bank will support infrastructure development and modern industrial systems, focusing on new industrialization and productivity [2] Group 2: Strategic Planning and Implementation - Transportation Bank emphasizes a seamless transition between the 14th and 15th Five-Year Plans, refining strategic focus and priorities [3] - Postal Savings Bank is committed to implementing its unique financial strategies and responding to the evolving financial needs of the public [3] Group 3: Differentiated Transformation - Joint-stock and local banks are identifying their unique positions and competitive advantages to create a multi-tiered financial service structure during the 15th Five-Year Plan [4] - Industrial Bank, as a leader in green finance, will enhance its services to support carbon reduction goals and promote green operations [4] - Citic Bank is focusing on technology finance, providing comprehensive financial services to support industrial upgrades and innovation [4] Group 4: Future Development Planning - The 15th Five-Year Plan is guided by the goal of building a strong financial nation, with banks actively developing their strategic plans [6] - Construction Bank is engaging with grassroots feedback to address high-priority issues and enhance operational efficiency [6] - Transportation Bank is incorporating public and expert opinions into its planning process for the 15th Five-Year Plan [6] - Regional banks are also developing their plans, focusing on key performance indicators like ROE and adjusting their business structures to enhance revenue [7]

Core Viewpoint - The development of technology finance is essential for promoting the deep integration of technological innovation and industrial development, as well as achieving high-quality economic growth in Jiangxi province [3][12]. Group 1: Financing Initiatives - Jiangxi Xunkang Technology Co., Ltd. and Kruit Software Group Co., Ltd. received loans of 14 million yuan and 12 million yuan respectively, under the "Qianfei Loan" program, which aims to address the financing challenges faced by technology-oriented enterprises [1]. - The "Qianfei Loan" program has provided a total of 2.099 billion yuan in loans to 127 technology-oriented enterprises in Jiangxi within just six months [1][2]. Group 2: Policy and System Innovation - The Jiangxi financial system is focusing on technology finance as a priority, implementing innovative measures to create a financial service system that meets the high-quality development needs of local technology innovation [2][5]. - A multi-dimensional approach is being taken to innovate the technology finance system, including institutional, product, and service model innovations [6][8]. Group 3: Performance Metrics - In 2023, Jiangxi's total R&D investment exceeded 60 billion yuan, and the transaction volume of technology contracts reached 258.8 billion yuan, marking a 10.1-fold increase compared to the end of the 13th Five-Year Plan [3]. - As of September, the balance of technology loans in Jiangxi reached 1.05 trillion yuan, with a year-on-year growth of 14%, surpassing the national average growth rate of 2.2% [10]. Group 4: Collaborative Efforts - The establishment of a technology finance alliance has seen participation from 50 financial institutions, providing a range of financial products and services to technology enterprises [10]. - The "Yiqi Growth" model aims to align loan pricing and future financial services with the growth potential of technology enterprises, fostering long-term partnerships between banks and companies [8][11].

Core Viewpoint - The trend of large-denomination certificates of deposit (CDs) disappearing from the market is evident, with major banks removing long-term products to manage net interest margin pressures and adapt to changing monetary policies [1][2][3] Group 1: Market Changes - Major state-owned banks and national joint-stock banks have removed five-year large-denomination CDs from their offerings, with only short-term products available [1] - The availability of three-year large-denomination CDs is also tightening, with some banks halting new issuances [1][2] - The current offerings are primarily focused on one-year or shorter terms, with some banks only providing three-month or six-month products [2] Group 2: Reasons for Changes - The primary reason for banks discontinuing long-term large-denomination CDs is to alleviate the increasing pressure on net interest margins due to declining loan rates [2] - By reducing high-cost liabilities associated with long-term CDs, banks aim to optimize their liability structure and control overall funding costs [2][3] - This adjustment is seen as a proactive measure by banks in response to macroeconomic conditions and regulatory guidance [2] Group 3: Future Outlook - The role and form of large-denomination CDs are expected to undergo significant changes, with a shift towards shorter-term products becoming more common [3] - The interest rate advantage of large-denomination CDs is likely to diminish, aligning more closely with regular fixed-term deposits [3] - A long-term downward trend in deposit rates is anticipated, driven by monetary policy aimed at reducing financing costs for the real economy [3]

Core Viewpoint - The China Construction Bank Sichuan Branch has actively aligned its operations with national strategies during the "14th Five-Year Plan" period, contributing significantly to the economic development and transformation of Sichuan province [1][3]. Group 1: Strategic Alignment and Support - The bank has enhanced its capabilities to support major national strategies, including the construction of the Chengdu-Chongqing economic circle, by providing over 280 billion yuan in credit support for key projects [4]. - It has established a mechanism for project promotion and launched various supportive measures to ensure the successful implementation of significant initiatives [4]. Group 2: Financial Services and Innovations - The bank has focused on providing comprehensive financial services, including the establishment of seven private equity investment funds with a total commitment exceeding 30 billion yuan, and has invested over 26 billion yuan in more than 50 projects in Sichuan [4]. - It has developed a three-year action plan for technology finance, becoming the first bank in Sichuan to be recognized as a "Technology Finance Innovation Base" [5]. Group 3: Green Finance and Infrastructure Development - The bank has prioritized financing for clean energy and green infrastructure projects, actively supporting the construction of transportation projects and renewable energy initiatives [6]. - It has collaborated with local state-owned enterprises to revitalize existing assets and enhance funding for critical infrastructure [6]. Group 4: Inclusive Finance and Community Support - The bank has implemented an "active empowerment" credit model, providing nearly 178.8 billion yuan in credit and 144.6 billion yuan in disbursements to support small and micro enterprises [6]. - It has also focused on enhancing financial services for the elderly and other vulnerable groups through innovative digital solutions [7]. Group 5: Digital Finance and Consumer Support - The bank has successfully integrated digital currency applications in various sectors, including housing provident fund services and retail payments, covering over 6,600 stores [8]. - It has supported consumer spending through interest subsidies in key service sectors, with nearly 10 billion yuan in loans for the hospitality and entertainment industries [9]. Group 6: Social Responsibility and Rural Development - The bank has actively participated in rural revitalization efforts, with new loans in key counties exceeding the average growth rate of total loans [10]. - It has contributed to local community projects and provided scholarships to students, demonstrating its commitment to social responsibility [10].

个人养老金是我国多层次养老保障体系的重要组成部分，其"缴费税前扣除、投资收益暂不征税、领取 环节低税率"的税收优惠政策，已成为居民优化个税、补充养老储备的重要选择。当前，银行个人养老 金营销已从初期的"拉新开户"全面转向"留客促活"，行业竞争焦点持续迭代。 本报记者 彭妍 在薛洪言看来，这一策略调整的核心原因在于"开户热、缴存冷"这一行业痛点——不少客户因短期开户 奖励而开户后，账户长期处于闲置状态。银行逐渐意识到，短期激励难以留住客户，需要转向提供更优 质的服务体验。 临近年末个人养老金缴存窗口期，多家银行再度加大推广力度，推出个人养老金缴存专属优惠活动，通 过抽奖派送微信立减金、现金红包等福利，吸引客户开户并缴存资金。若按年度1.2万元的缴存上限"顶 格"缴纳，客户最高可获得600元左右的补贴礼包。 值得注意的是，与推广初期聚焦"拉新开户"的策略不同，当前多家银行已将营销重心转向"留客促活"， 不再仅停留于引导客户开立账户，而是针对首次缴存、累计缴存达到一定额度的客户推出更多激励措 施，着力推动个人养老金账户从"开户"向"实际缴存"转化。 以中信银行为例，该行近期推出"税收优惠+达标礼赠"双重福利活动：2 ...

Core Viewpoint - The meeting between China Construction Bank (CCB) President Zhang Yi and Rebecca Jackson, Executive Director of the UK Prudential Regulation Authority, focused on macroeconomic conditions and CCB's operational development, emphasizing the bank's commitment to enhancing its international competitiveness and participating in the UK-China financial services dialogue [1] Group 1: International Engagement - CCB aims to strengthen its international competitiveness and deepen integrated operations in both domestic and foreign currencies [1] - The bank will actively participate in the construction of the London offshore RMB center and promote UK-China economic and trade exchanges [1] Group 2: Regulatory Support - The UK Prudential Regulation Authority expressed continued support for CCB's operations in the UK [1] Group 3: Technological and Risk Management Discussions - In-depth discussions were held on topics such as cybersecurity management, the application of artificial intelligence, and asset quality in related fields [1]

Core Viewpoint - Several banks, including China Construction Bank, have raised the risk levels of 87 mutual fund products, indicating a proactive response to regulatory requirements rather than a signal of overall market risk increase [2][5][6]. Group 1: Risk Level Adjustments - China Construction Bank announced adjustments to the risk levels of 87 mutual fund products, with 32 products moving from "R2 - Low to Medium Risk" to "R3 - Medium Risk" and 55 products from "R3 - Medium Risk" to "R4 - Medium to High Risk" [3]. - Postal Savings Bank and Citic Bank have also made similar adjustments to their mutual fund products, with Postal Savings Bank adjusting 80 products on October 29 and 6 products on November 6 [3][4]. - The adjustments are part of a broader trend among banks to comply with the "Commercial Banks' Agency Sales Business Management Measures" and to enhance investor protection [5][6]. Group 2: Market Implications - Experts assert that the increase in risk levels does not indicate a rise in overall market risk but is a necessary response to regulatory pressures and market volatility [5][6]. - The adjustments focus on high-volatility products, particularly equity funds, reflecting a more precise disclosure of specific product risk characteristics rather than systemic market risk changes [6]. Group 3: Long-term Benefits for Investors - In the short term, investors may face limited investment choices, but the long-term benefits include clearer risk warnings and more rational investment decisions, particularly for low-risk preference groups [7]. - The shift in focus from selling products to providing services is expected to enhance the investment research capabilities of fund companies and promote a healthier market ecosystem [7].