近日，2025年萍乡市银行业金融机构反假货币知识与技能竞赛在中国银行萍乡市分行成功举行。本次竞 赛由中国人民银行萍乡市分行指导，中国银行萍乡市分行承办，全市20家银行业金融机构积极参与，60 名业务精英同台竞技，展现出全市金融系统反假货币工作的专业水平和精神风貌。 竞赛自6月份启动筹备以来，历时三个多月精心组织。承办单位中国银行萍乡市分行认真认领项目，精 心制定活动方案，多次与人民银行萍乡市分行对标对表，细化各项筹备工作。各金融机构积极参与，每 家机构不仅选派3名优秀选手参赛，还共同参与反假货币理论知识题库建设，为竞赛的成功举办奠定坚 实基础。 下午2时30分，竞赛正式拉开帷幕。中国人民银行萍乡市分行"金心"服务领导小组相关负责人、中国银 行萍乡市分行领导等出席活动。竞赛分为反假货币理论知识笔试和反假货币实操技能测试两个环节，全 面检验参赛选手的理论知识和实际操作能力。 在理论知识笔试环节，选手们沉着应考，认真作答；在实操技能测试环节，选手们凭借丰富的实战经 验，精准识别假币，展现出过硬的专业技能。整个竞赛过程紧张有序，充分展示全市银行业金融机构从 业人员扎实的反假货币功底和良好的职业素养。 经过激烈角逐，中 ...

中国银行发布关于调整积存金产品按金额购买起点的公告。将于2025年10月15日起调整积存金产品的购 买条件，具体调整情况如下：1.按金额购买积存金产品或创建积存定投计划时，最小购买金额由850元 调整为950元，追加购买金额维持200元整数倍不变。已在执行中的定投计划不受影响。2.按克重购买积 存金产品或创建积存定投计划时，最小购买克重维持为1克不变，追加克重维持为1克整数倍不变。 ...

Core Viewpoint - The Bank of China has announced the migration of all functions from its credit card APP "Bountiful Life" to the "Bank of China" APP, aiming to provide better and more efficient financial services to customers. After the migration is complete, the "Bountiful Life" APP will cease to be available for download and will gradually shut down its services, with specific timelines to be announced later [1]. Group 1 - The migration of services is intended to enhance the quality and efficiency of financial services provided to customers [1]. - The "Bountiful Life" APP will stop being available for download and will gradually shut down after the migration is completed [1]. - Further announcements regarding the specific timeline for the migration and shutdown will be made in due course [1].

每年10月举办的这一场高规格的资管论坛，一直都是上海资产管理协会主办的"全球资产管理中心·上海 国际活动周"的首发活动，并始终致力于将论坛打造成 一系列重磅的行业报告、指南和服务方案等重要 成果的发布平台 。相较于往届，今年的发布环节呈现出项目更多元、信息更丰富、覆盖更广泛的特 点，包含一系列在 研究、实务、人才领域的成果， 并充分体现 跨行业合作、以及科技和数智含量。 论 坛之后，将正式开启国际活动周期间的多场重磅活动，议题覆 盖资管科技、指数与量化投资、绿色与 可持续投资、科创投资、资管业促进资本市场发展等。 本届论坛中，嘉宾专业性与国际化程度创历届新高，将首次举办"全球交易所-资产管理人" 闭门对话 会，在上海交易所国际交流合作中心、上海资产管理协会的积极组织下，来自全球多家交易所和国内外 资管机构的代表将深入探讨如何穿越周期，在全球核心市场波动背景下的配置策略、投资机会和风险剖 析。同时，每年论坛议程中备受关注和期待的国际化专场，今年由国泰海通证券协办，主题为携手推动 中欧资管高水平双向开放，将汇聚中欧头部资管机构、交易所和行业头部机构代表，探讨如何在当前地 缘经济格局下推动中欧资管领域的互联互通与制 ...

Core Insights - The global economy has entered a "low growth, high risk" new normal since 2025, prompting initiatives to strengthen Shanghai's position as an international financial center and enhance its role in global asset management [2] - The 2025 Shanghai Global Asset Management Forum aims to promote high-quality development in the asset management industry and build an ecosystem that serves the real economy, featuring participation from regulatory bodies, economists, and leading asset management institutions [2][3] Group 1 - The forum is a high-profile annual event that serves as the launch of the "Global Asset Management Center · Shanghai International Activity Week," focusing on diverse projects and rich information in research, practice, and talent [3] - This year's forum will include a closed-door dialogue between global exchanges and asset managers, discussing investment strategies and opportunities amid global market fluctuations [4] - The forum has evolved over five years, addressing global financial market dynamics and the challenges and opportunities in building Shanghai as an international financial center [4] Group 2 - The forum agenda includes a main forum with keynotes from prominent figures, roundtable discussions on asset management quality, and dialogues with top investors regarding investment opportunities under the "14th Five-Year Plan" [5][6] - The international session will focus on promoting high-level bilateral openness in asset management between China and Europe, featuring discussions on financial cooperation and investment opportunities in RMB assets [10][11] - The event will also include a signing ceremony between the Shanghai Asset Management Association and the German Investment Fund Association, highlighting international collaboration [11]

消息面上，国泰海通证券指出，从基本面展望，银行业绩波动较小，利润基本保持平稳正增长，25H1 上市银行利润增速达0.8%，全年来看，业绩有望保持稳中向好的趋势。此外，从边际变化的角度来 看，银行息差的同比降幅有望持续收窄，利好业绩表现。银河证券则认为，关税不确定性加剧全球资产 价格波动，催生防御性配置需求，带来银行配置机遇。银行板块分红稳定，且经过一段时期回调后股息 率性价比回升，红利价值有望吸引避险资金流入。 内银股多数上扬，截至发稿，招商银行（600036）(03968)涨3.87%，报47.78港元；重庆银行（601963） (01963)涨3.72%，报7.53港元；中信银行（601998）(00998)涨3.23%，报7.04港元；建设银行（601939） (00939)涨2.61%，报7.51港元；中国银行（601988）(03988)涨1.91%，报4.26港元。 ...

Core Insights - The recent announcement by Bank of China to gradually shut down its "Bountiful Life" app and migrate its functions to the main "Bank of China" app highlights a shift in focus from credit card apps of joint-stock and rural commercial banks to those of state-owned banks [1] - The trend of shutting down credit card apps is driven by the shrinking credit card business and the overall need for banks to reduce costs and improve efficiency [1] Summary by Sections Credit Card App Shutdown - Bank of China is closing its "Bountiful Life" app, moving functionalities to its main app, reflecting a broader trend among banks to consolidate their digital offerings [1] - Several banks, including Shanghai Rural Commercial Bank and Beijing Rural Commercial Bank, have previously shut down their credit card apps, indicating a growing trend in the industry [1] Market Share and Performance - As of June, the credit card loan scale of major banks shows significant disparities, with China Construction Bank leading at 1,054.95 billion yuan, followed by China Merchants Bank at 924.49 billion yuan [2][4] - The market share of credit card assets is heavily concentrated among state-owned banks, which hold 46.83% of the total, while joint-stock banks hold 46.52% [5] User Engagement and App Performance - The monthly active user data for credit card apps shows a clear tiered structure, with top apps like China Merchants Bank's "Palm Life" having over 14 million active users, while Bank of China's app had only 1.5454 million [3] - The focus of credit card apps has shifted from acquiring new customers to retaining existing ones, as many consumers already hold multiple credit cards [7] Digital Transformation and Management - The closure of independent credit card apps reflects a broader trend of centralized management in banking, as highlighted by regulatory guidance to streamline mobile applications [9][10] - Banks are restructuring their digital operations, with institutions like China Construction Bank establishing dedicated operational centers to enhance the management of their digital platforms [11][12]

【深圳商报讯】（首席记者 谢惠茜）纽约黄金期价近期数次刷新历史纪录，在突破4000美元历史高位 之后，国内多家银行又迅速集体发公告提示风险，并对贵金属业务投资门槛进行调整。 10月10日，建设银行（601939）在其官网发布《关于近期贵金属业务市场风险提示公告》，公告称，由 于"近期国内外贵金属价格波动加剧，市场风险提升。请您提高贵金属业务的风险防范意识，合理控制 仓位，及时关注持仓情况和保证金余额变化情况，理性投资。" 9月3日，上海黄金交易所率先发布关于调整部分合约保证金水平和涨跌停板的通知，对黄金延期品种与 白银延期合约交易保证金水平和涨跌停板比例进行调整，并同时提示风险，要求各会员增强风险防范意 识，做细做好风险应急预案，提示投资者做好风险防范工作，合理控制仓位，理性投资，确保市场稳定 健康运行。 当天，宁波银行（002142）发布公告称，由于近期国内金价波动较大，自9月4日起，将积存金起购金额 从800元提升至900元。 9月4日，中国银行（601988）公告称，将调整代理个人上金所业务项下部分延期合约的交易保证金比例 与涨跌幅度限制。同日，农业银行（601288）也发布公告称，对金市通业务合约涨跌 ...

Core Viewpoint - The banking industry is increasingly integrating various app functionalities into mobile banking apps to enhance user experience, reduce operational costs, and achieve centralized risk management [1][5]. Group 1: App Integration Trends - Several banks, including Beijing Bank and China Bank, are shutting down their standalone direct banking and credit card apps, migrating functionalities to their main mobile banking apps [2][3]. - The trend of app integration is not limited to direct banking and credit card apps; many banks are also applying for the cancellation of their enterprise banking and lifestyle service apps [3]. Group 2: User Engagement Challenges - The primary reasons for the "app slimming" initiative include low user engagement, poor user experience, and redundant functionalities [4]. - Initial strategies focused on lightweight, specialized apps to meet customer needs more precisely, but the proliferation of apps has become burdensome for consumers [4]. Group 3: Regulatory Influence - Recent policies from the National Financial Regulatory Administration emphasize the need for banks to manage mobile applications effectively, including optimizing or terminating low-engagement apps [4]. Group 4: Benefits of Integration - By consolidating apps into a unified "super app," banks can significantly enhance user experience, lower operational maintenance costs, and improve risk monitoring and prevention [5].

Core Viewpoint - The banking industry is increasingly integrating various app functionalities into mobile banking apps to enhance user experience, reduce operational costs, and improve risk management [1][4]. Group 1: App Integration Trends - Several banks, including Beijing Bank and China Bank, are shutting down their standalone apps for direct banking and credit card services, migrating functionalities to their main mobile banking apps [1][2]. - This trend is not limited to direct banking and credit card apps; many banks are also consolidating their corporate banking and lifestyle service apps due to low user engagement and redundancy [2][3]. Group 2: User Experience Challenges - The proliferation of multiple banking apps has created a burden for consumers, leading to low user activity and dissatisfaction with the overall experience [3]. - Users have expressed a preference for fewer, more integrated apps, indicating a desire for a streamlined banking experience [3]. Group 3: Regulatory Influence - Recent regulations from the National Financial Regulatory Administration emphasize the need for banks to manage mobile applications effectively, encouraging the consolidation of apps with low user engagement and high operational risks [3]. Group 4: Benefits of Integration - By creating a unified "super app," banks can significantly enhance user experience while lowering the costs associated with maintaining multiple apps [4]. - Consolidation allows for centralized monitoring of transactions, improving risk identification and management [4].