认购事项由集团盈余现金而非全球发售所得款项拨资。 朝聚眼科(02219)发布公告，于2025年8月22日，朝聚医疗科技(公司的间接全资附属公司)进一步认购本 金总额为人民币3000万元的中国银行理财产品。 ...

Core Insights - The Chinese mobile banking app market has entered a phase of stock competition in the first half of 2025, with monthly active users (MAU) fluctuating between 650 million and 700 million, showing low growth rates between -1.2% and 4.6% [1] - User engagement is declining significantly, with daily effective usage time dropping from 4.93 minutes to 2.70 minutes and daily usage frequency decreasing from 4.54 times to 2.86 times from 2023 to 2025 [1] - Private banks, particularly WeBank and MYbank, are facing severe challenges, with MYbank's MAU plummeting by 64.7%, failing to make it into the top 50 rankings [1] Group 1: Performance of Major Banks - The six major state-owned banks maintain a dominant position in the mobile banking landscape, with Agricultural Bank of China leading with 238 million MAU, a year-on-year increase of 4.8% [2][3] - Industrial and Commercial Bank of China and China Construction Bank follow with 189 million and 106 million MAU, respectively, forming the top tier of the industry [3] - China Bank and Postal Savings Bank also saw slight increases in MAU, while Bank of Communications experienced a decline of 5.0% [3] Group 2: Challenges Faced by Joint-Stock Banks - Joint-stock commercial banks are generally experiencing a decline in user activity, with China Merchants Bank leading among them but still seeing a 1.2% decrease in MAU [4] - Other banks like Ping An Pocket Bank, CITIC Bank, and Minsheng Bank also reported declines ranging from 2.9% to 11.5%, with Guangfa Bank suffering the largest drop at 31.0% [4] - The challenges stem from increased competition from state-owned banks and local rural commercial banks, as well as a lack of differentiation in financial products [4] Group 3: Performance of City Commercial Banks - City commercial banks show a mixed performance, with 17 entering the top 50 MAU rankings, indicating strong regional influence [6] - Jiangsu Bank leads city banks with 349.6 million MAU, while Qilu Bank saw a significant increase of 27.3% [6] - However, some banks like Ningbo Bank and Hangzhou Bank experienced declines exceeding 16% [6] Group 4: Decline of Private Banks - Private banks like WeBank and MYbank are facing drastic declines, with WeBank's MAU at 141.3 million, down 27.3%, and MYbank dropping out of the top 50 [7] - The decline is attributed to traditional banks enhancing their digital capabilities, regulatory changes, and significant gaps in service offerings compared to traditional banks [7] Group 5: Future Outlook - The competition in the mobile banking sector is shifting from scale expansion to value cultivation, emphasizing the importance of integrating financial services into high-frequency scenarios like education and public services [9][10] - State-owned banks are successfully leveraging their resources to create an ecosystem that enhances user engagement, while joint-stock banks need to focus on specific customer segments to avoid internal competition [9] - The future of mobile banking will likely revolve around comprehensive financial ecosystems and customer insights rather than just app functionalities [10]

该行预期今轮股市升势将进一步延续，因目前市场杠杆水平温和且估值不高，估计潜在资金轮动或为股 市注入额外14万亿元人民币流动性，相当于可流通市值约16%。在券商股中首选中金公司(03908)、东方 财富（300059）(300059.SZ)及华泰证券（601688）(06886)，预期中金将最能受惠于中国内地及香港IPO 市场复苏与市况向好所带来的股权投资收益增长。小摩预期高息股将于第四季重拾动力，内银首选招商 银行（600036）(600036.SH)，同时亦推荐工商银行（601398）(01398)、中国银行（601988）(03988)及 交通银行（601328）(601328.SH)，均予"增持"评级。 摩根大通发布研报称，对中资银行及券商股持正面看法，建议投资者对中资金融股采用铃策略(Barbell Strategy)，即同时投资于高风险及低风险资产，预期市场资产轮动及过剩流动性增加，将成为股市上升 的关键驱动力。 ...

| 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 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601658 邮储银行 | | -199.96万 | -0.16% | 2360.50万 | 1.91% | -2160.54万 | -1.74% | | 601939 建设银行 | | -3603.16万 | -3.07% | 1700.23万 | 1.45% | 1902.93万 | 1.62% | | 601398 工商银行 | | -6430.00万 | -2.21% | 4180.82万 | 1.44% | 2249.17万 | 0.77% | | 601988 中国银行 | | -7938.75万 | -4.24% | -6691.73万 | -3.58% | 1.46/Z | 7.82% | | 601328 交通银行 | | -1.14亿 | -10.57% | 2637.48万 | 2.44% | 8804.97万 | 8.14% | | 6012 ...

金融界8月22日消息，上证指数高开高走，上证50等权重指数 (50等权，000050)上涨2.73%，报2309.57 点，成交额1806.45亿元。 数据统计显示，上证50等权重指数近一个月上涨4.63%，近三个月上涨7.16%，年至今上涨6.14%。 从上证50等权重指数持仓样本的行业来看，金融占比24.45%、工业占比17.45%、信息技术占比 14.91%、原材料占比9.06%、能源占比7.50%、可选消费占比5.67%、主要消费占比5.54%、通信服务占 比5.41%、医药卫生占比4.75%、公用事业占比3.47%、房地产占比1.78%。 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。每次调整的样本比例一般不超过10%。样本调整设置缓冲区，排名在40名之前的候选新样本优 先进入，排名在60名之前的老样本优先保留。特殊情况下将对指数进行临时调整。当样本退市时，将其 从指数样本中剔除。样本公司发生收购、合并、分拆等情形的处理，参照计算与维护细则处理。 从指数持仓来看，上证50等权重指数十大权重分别为：寒武纪（3.09%）、洛阳钼业（2.7%）、药明 ...

Investment Rating - The report maintains an "Overweight" rating for the insurance sector [2] Core Views - The insurance sector is undergoing a value reassessment during its transformation phase, highlighted by China Ping An's stake acquisition in China Pacific Insurance and China Life Insurance [3][52] - The report emphasizes the potential for high dividend yields in insurance stocks, which are increasingly being viewed similarly to bank stocks in terms of asset allocation [3][52] - The securities sector is experiencing explosive growth in mid-year performance forecasts, with notable profit increases from several listed brokerages [3][51] Summary by Sections Market Review - As of August 21, 2025, the banking, securities, and insurance indices have shown respective changes of -2.00%, +6.94%, and +2.13%, with the CSI 300 index up by +4.21% [15] - Agricultural Bank (+7.75%), Changcheng Securities (+33.37%), and China Pacific Insurance (+7.20%) were the best performers in their respective sectors [15] Valuation Situation - As of August 21, 2025, the banking sector's price-to-book (PB) ratio is 0.76, with state-owned banks at 0.80, joint-stock banks at 0.66, city commercial banks at 0.74, and rural commercial banks at 0.65 [25] - The report indicates that the securities sector has a PB ratio of 1.63, suggesting room for valuation recovery [30] Recent Market Indicators - The one-year Medium-term Lending Facility (MLF) rate is 2.0%, and the Loan Prime Rates (LPR) for one year and five years are 3.0% and 3.5%, respectively [35] - The average daily trading volume in A-shares reached 25,475.45 billion yuan, reflecting a 22.60% increase [37] Industry News - China Ping An's recent acquisitions in H-shares of China Pacific Insurance and China Life Insurance signal a strong belief in the long-term value of the insurance sector [42] - The report highlights a significant increase in insurance funds allocated to equities, with a rise from 7.3% to 8.47% in the proportion of insurance funds invested in stocks [42] Company Announcements - China Pacific Insurance reported a 9% year-on-year increase in original insurance premium income for the first seven months of 2025, totaling 185.96 billion yuan [46] - Jiangyin Bank's half-year report showed a 10.45% increase in operating income, reaching 2.40 billion yuan, with a net profit increase of 16.63% [46] Weekly Views - The report suggests focusing on banks that benefit from high economic growth areas and have strong performance certainty, such as Ningbo Bank, Hangzhou Bank, and Chengdu Bank [49] - In the insurance sector, the report recommends focusing on companies with strong growth in new business value and premium income, such as China Pacific Insurance and China Life Insurance [53]

焦健说，中国银行早在1931年就在大阪设立了分支机构，设立之初的经营目标就是"适应侨商需要，为 侨商服务"。作为中国银行在海外设立时间最早的分支机构之一，我们始终坚持"服务国家、服务社会、 服务民生"的使命，紧跟国家战略方向，深耕本地市场，致力于为广大中资机构和在日华人企业提供专 业、稳健、便捷的综合金融服务。 金泽宏树表示，随着 2025年大阪·关西世博会的举办，区域建设与产业升级不断加速，中日间的经贸合 作也迎来了新的发展机遇，企业对高效、专业的金融服务需求日益增长。关西中华总商会也将继续发挥 好联通中日、服务会员的桥梁作用，积极整合资源，为广大企业创造更多合作契机，共同迎接新时代下 的发展挑战与机遇。 会上，中国银行东京分行重点介绍了综合金融服务。 转自：新华财经 新华财经东京8月22日电（记者刘春燕）由中国银行东京分行和关西中华总商会共同主办的金融服务说 明会日前在大阪举行。活动旨在深化中日经贸合作，推动双边金融服务创新与升级，为在日华商、日本 企业及个人客户提供更高效、更全面的金融支持。 中国驻大阪总领事馆经商处参赞景春海、中国银行东京分行副行长焦健、关西中华总商会执行会长金泽 宏树、日中经济贸易中 ...

二、中国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。 三、中国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22日，辽宁金融监管局发布批复称，《中国银行辽宁省分行关于核准胡鑫任职资格的请示》 （辽中银报〔2025〕122号）收悉。经审核，现批复如下： 一、核准胡鑫中国银行股份有限公司沈阳分行副行长的任职资格。 ...

人民财讯8月22日电，据保定日报消息，保定银行日前与长城控股集团签署战略合作协议，其中，王成 以保定银行党委书记身份出席签约仪式。此前保定银行党委书记一职由李志永担任，王成原系中国银行 保定分行行长。 ...

Core Insights - The introduction of "immediate tax refund" services at bank branches in Beijing marks a significant innovation in the tax refund process for international travelers, enhancing their shopping experience and boosting tourism [2][3][6] Group 1: Service Implementation - Two China Bank branches in Beijing have been designated as "immediate tax refund" centers, providing a new model for tax refunds to international travelers [2][3] - The initiative is a collaboration between the Beijing Taxation Bureau and China Bank, aiming to optimize the tax refund experience and attract more international consumers [3][5] Group 2: Business Growth - Since the launch of the "immediate tax refund" service on June 1, the business volume has seen a dramatic increase, with a 246% year-on-year growth in tax refund transactions and a 100% increase in sales of tax refund eligible goods [6][7] - The service has processed nearly 400 transactions for travelers from 44 countries, indicating a strong demand and successful implementation of the new model [6][7] Group 3: Future Developments - The Beijing Taxation Bureau plans to expand the number of "immediate tax refund" centers and continuously improve service details based on traveler feedback [9] - The initiative aims to enhance the international influence of Beijing's tourism and consumer market, contributing to the city's goal of becoming a global consumption center [9]