MACD金叉信号形成，这些股涨势不错！ 格隆汇10月16日｜A股银行股涨幅扩大，其中，农业银行、重庆银行涨超2%，建设银行、工商银行、 苏州银行、中信银行、中国银行、浦发银行、交通银行等涨超1%。 | 代码 | 名称 | | 涨幅% ↓ | 总市值 | 年初至今涨幅%。 | | --- | --- | --- | --- | --- | --- | | 601288 | 农业银行 | 1 | 2.48 | 26074亿 | 45.78 | | 601963 | 重庆银行 | 换 | 2.28 | 358亿 | 15.69 | | 601939 | 建设银行 | 1 | 1.90 | 23858 Z | 8.63 | | 601398 | 工商银行 | 1 | 1.88 | 27087亿 | 14.44 | | 002966 | 苏州银行 | 策 | 1.78 | 384 Z | 8.49 | | 601998 | 中信銀行 | 4 | 1.72 | 4274 Z | 12.16 | | 601988 | 中国银行 | 1 | 1.70 | 17303亿 | 1.81 | | 601077 | 渝农商行 | | ...

Investment Rating - The industry investment rating is "Positive" (maintained) [1] Core Viewpoints - The banking sector is experiencing a shift towards "wealthization" of deposits, indicating a change in customer behavior and banking operations [9] - The report highlights a divergence in bank operations, with some banks benefiting from enhanced funding attributes while others struggle [8] - The overall sentiment in the banking sector is improving, with dividend yields becoming attractive again after a period of adjustment [9] Summary by Sections Financial Data Analysis - In September, M1 growth was 7.2%, up 1.2 percentage points from the previous month, while M2 growth decreased to 8.4%, down 0.4 percentage points [5] - Social financing (社融) increased by 3.53 trillion yuan in September, with a year-on-year decrease of 229.7 billion yuan, resulting in a stock growth rate of 8.7% [6] - New RMB loans in September amounted to 1.29 trillion yuan, a year-on-year decrease of 300 billion yuan, with a balance growth rate of 6.6% [7] Banking Sector Insights - The report indicates that banks are focusing on a "quantity-price balance" in credit issuance, with a continued trend towards the "wealthization" of deposits [8] - The contribution of funding business to revenue has increased for most state-owned banks, except for Industrial and Commercial Bank of China [23] - The report suggests that banks with a more market-oriented approach and comprehensive licenses will have a competitive advantage in the evolving landscape [8] Investment Recommendations - The report recommends focusing on banks that are well-positioned to benefit from the wealthization of deposits, highlighting specific banks such as China Merchants Bank and Industrial Bank [9] - It emphasizes the attractiveness of H-shares over A-shares in terms of value [9]

近日，中信银行（601998）在官网发文称，将自10月15日起，陆续调整部分代销资产管理产品的风险评 级。年内，农业银行、宁波银行等多家银行相继对代销公募基金产品的风险评级进行调整。此外，还有 多家公募基金亦披露公告，宣布调整旗下基金产品的风险等级。 有机构表示，基金风险等级整体会遵循"就高不就低"的原则。代销机构或公募基金公司基于市场环境主 动调整风险等级，有利于扩大投资者范围，促进基金销售。 多只基金调整风险等级 近日，中信银行在官网发文称，将自2025年10月15日起，陆续调整部分代销资产管理产品的风险评级。 在本次17只产品的调整中，上调了15只产品的风险等级，如将汇丰晋信同业存单指数7天持有从PR1调 升至PR2，将蜂巢润和六个月持有、建信双息红利华泰柏瑞增利等产品从PR2风险等级调升至PR3。 对于已持有该基金的投资者，基金公司或销售机构会通过短信、APP推送等多渠道发送风险提醒，清晰 告知"产品风险特征已发生变化"，提示投资者重新评估持仓匹配度，同时通常会建议赎回或转换至更低 风险的产品，帮助投资者规避潜在风险。 银河证券基金研究中心曾表示，在其基金评价业务实践中，可能存在某些非标准化分类下，基 ...

部分中小银行退出"牌局" 随着基金托管资格准入门槛的提高，曾经被视为"蓝海"的托管业务，正逐渐成为大型金融机构的专属赛道，部分中小银行选择退场。近日，证监会发布的 《证券、基金经营机构行政许可申请受理及审核情况公示》显示，排队申请基金托管资格的金融机构已从8月的3家缩减至2家，广州银行成为最新撤回申请 的机构。 广州银行于2022年8月30日向证监会提交基金托管资格申请材料，至今已排队超过三年；在广州银行之前，成都农商行亦于年内撤回申请，两家区域性银行 的"折戟"，折射出中小银行在获取基金托管牌照过程中面临的困境。 撤回的核心动因，源于2025年4月证监会发布的《证券投资基金托管业务管理办法（修订草案征求意见稿）》（以下简称《征求意见稿》），这份文件对基 金托管业务的准入条件进行了全面升级，文件要求，银行申请基金托管资格的净资产要求从原有的200亿元提升至500亿元；同时，申请基金托管资格的机 构，最近三年的监管评级需在2级（商业银行评级）或A类（证券公司评级）以上；《征求意见稿》还提到"最近一年总资产规模或者权益类公募基金销售保 有规模居于行业前列"，强调机构必须具备实际的市场竞争力和客户基础，强化实质展业 ...

从资金流向上来看，当日股份制银行板块主力资金净流入1.92亿元，游资资金净流入4288.04万元，散户 资金净流出2.35亿元。股份制银行板块个股资金流向见下表： 证券之星消息，10月15日股份制银行板块较上一交易日上涨0.72%，浦发银行领涨。当日上证指数报收 于3912.21，上涨1.22%。深证成指报收于13118.75，上涨1.73%。股份制银行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 600000 | 浦发银行 | 13.17 | 3.13% | 122.63万 | 15.92 Z | | 000001 | 平安银行 | 11.40 | 0.62% | 127.11万 | 14.43亿 | | 600015 | 华夏银行 | 6.78 | 0.59% | 120.30万 | 8.11亿 | | 601818 | 光大银行 | 3.44 | 0.58% | 374.64万 | 12.82亿 | | 600036 | 招商银行 | 41.50 | 0.58% | ...

Core Insights - The article highlights the top-performing stocks in the S&P China A-Share Dividend Opportunity Index, showcasing significant price increases and dividend yields for various companies [1]. Group 1: Stock Performance - The top stock, 渝农商行 (601077.SH), experienced a price increase of 5.92% and a year-to-date increase of 24.04%, with a dividend yield of 4.25% [1]. - 泸州老窖 (000568.SZ) saw a 4.20% increase, with an 11.18% year-to-date rise and a dividend yield of 4.49% [1]. - 厦门银行 (601187.SH) recorded a 4.04% increase, a 21.43% year-to-date rise, and a dividend yield of 4.63% [1]. Group 2: Dividend Yields - The article lists several companies with notable dividend yields, including 家非亚 (002572.SZ) at 7.81%, and 究矿能源 (600188.SH) at 6.62% [1]. - 农业银行 (601288.SH) has a year-to-date increase of 39.52% and a dividend yield of 3.39% [1]. - 招商银行 (600036.SH) shows a year-to-date increase of 9.53% with a dividend yield of 4.85% [1].

Core Viewpoint - The banking sector has become a focal point in the A-share market, with all 42 listed banks experiencing gains on October 14, driven by a combination of defensive capital inflow, valuation advantages after corrections, and strong fundamentals [1][2][4]. Group 1: Market Performance - On October 14, all 42 bank stocks rose, with Chongqing Bank and Chongqing Rural Commercial Bank leading the gains at 6.68% and 5.92%, respectively [1][2]. - Year-to-date, 19 bank stocks have increased by over 10%, with Agricultural Bank of China leading at 39.52% [2]. - The banking sector had previously experienced a correction, with 41 banks seeing declines after reaching their yearly highs in early July [2][3]. Group 2: Reasons for Recent Performance - The recent rally in bank stocks is attributed to a "defensive switch" by investors amid increased market volatility and a decline in risk appetite due to renewed trade tensions between China and the U.S. [4][6]. - The sector's recovery follows a period of deep correction, making bank stocks attractive for risk-averse investors [4][6]. Group 3: Insider Buying Trends - There has been a notable trend of insider buying among banks, with major shareholders and management teams increasing their stakes, indicating confidence in the long-term value of bank stocks [5][6]. - For instance, Suzhou Bank reported significant insider purchases totaling approximately 2.98 billion yuan [5]. Group 4: Future Outlook - The banking sector is expected to see continued growth, supported by improved asset quality and profitability, as well as favorable government policies encouraging diversified operations [6][7]. - Investment strategies vary, with conservative investors advised to focus on state-owned banks for stable dividends, while more aggressive investors may consider high-performing regional banks for potential higher returns [7].

精准提示，警惕"道具类假币"陷阱 随着影视制作和文创产业的发展，"道具币"的使用逐渐增多。针对这一新型风险点，长沙分行将"谨 防'道具类假币'"列为重点宣传内容。网点运营人员深入剖析"道具币"的特征及其与真币的区别，提醒公 众在娱乐、拍摄等场景下接触类似物品时需提高警惕，明确告知"道具币"并非法定货币，严禁用于支付 流通。 重拳出击，攻坚网络非法售假行为 长沙晚报掌上长沙10月14日讯（通讯员 王仕伸 毕竞）为应对新型假币风险挑战，中信银行长沙分行于9 月全面启动"筑牢货币安全网，守好群众钱袋子"反假货币宣传月活动，通过精准宣传+场景渗透模式， 累计覆盖3万人次，有效提升公众货币安全防护能力。 聚焦核心，筑牢人民币信誉根基 维护人民币信誉，是维护金融稳定、保障经济健康发展的重要基石。本次宣传月活动将"维护人民币信 誉"置于核心宣传位置，各网点通过网点电子屏、宣传折页、专题讲座等多种形式，向公众普及人民币 的基本知识、防伪特征以及相关法律法规。网点运营人员耐心讲解爱护人民币的重要性，引导公众自觉 抵制故意损毁、伪造、变造人民币等违法行为，共同担当起人民币"形象守护者"的责任。 多元渗透，延伸宣传触角至末梢 为扩 ...

台州，这座以"制造"立市、以"创新"突围的城市，正沿着"415X"先进制造业集群培育的赛道加速奔跑。 从汽车零部件精密制造到智能装备自主研发，从生物医药技术攻坚到新材料场景应用，无数台州科创企 业在产业链升级的浪潮中寻求突破。而科技金融的精准滴灌，正是它们破浪前行的关键力量。 作为深耕台州本土的金融"同行者"，中信银行台州分行始终以服务地方实体经济为核心，依托中信集 团"金融全牌照、实业广覆盖"的独特优势，将科技金融作为服务台州制造升级的"核心抓手"，为不同成 长阶段的科创企业量身定制"全生命周期"金融服务方案，让金融活水精准流向创新"最前沿"，目前已累 计服务台州科技企业超300家。 锚定产业痛点，让政策红利直达企业"需求端" 台州科创企业多以中小微为主，"轻资产、缺抵押、融资难"是不少企业在技术研发、设备升级阶段面临 的共性难题。深耕台州市场多年，中信银行台州分行深知"本土化、专业化"是服务科创企业的核心。对 此，该行率先响应国家及浙江省科技金融政策导向，将科技企业授信政策与台州产业需求深度绑定，让 政策红利真正转化为企业发展的"真金白银"。 从支持一家企业的技术突破，到助力一个产业的能级跃升，中信银行台 ...

中信银行-科创企业积分卡 证券日报之声 继续滑动看下一个 预览时标签不可点 微信扫一扫 关注该公众号 ...