转自：新华财经 日前，中国平安上海地区普惠金融高质量发展主题峰会在上海中国金融信息中心举办。在本次峰会上， 平安银行上海分行发布普惠金融"4+1"产品体系，以"科创贷"、"担保贷"、"信用贷"、"抵押贷"及"场景 贷"全方位精准服务小微企业，切实破解小微企业"融资难、融资贵"痛点。平安银行上海分行将牢牢把 握金融工作的政治性与人民性，持续提升金融服务实体经济、普惠小微的能力，积极践行普惠金融高质 量发展。 打造"4+1"产品体系 精准破解小微企业"融资难、融资贵"痛点 尽管小微企业在支撑宏观经济稳健发展、促进就业与激发市场创新活力等方面发挥着重要的推动作用， 但由于小微企业缺乏足够的资产抵押物、加之经营抗风险能力相对较弱，融资难、融资贵问题持续"制 约"小微企业的业务成长。 作为上海地区重要金融机构，平安银行上海分行始终坚守金融服务实体经济初心，积极借助平安集团各 家子公司专业力量，整合内外部资源，提升普惠金融服务品质，共同构建普惠金融服务生态，推进普惠 金融高质量发展。 此次平安银行上海分行推出的普惠金融"4+1"产品体系，将进一步增加小微普惠金融贷款供给、降低综 合融资成本、提高融资效率、提升小微普惠金融 ...

以下文章来源于21世纪资管研究院 ，作者21金融圈 21世纪资管研究院 . 21世纪资管研究院是南方财经全媒体集团旗下致力于资管领域政策和业务研究的独立智库，研究院宗 旨：探索全球资管发展新趋势，求解国内资管发展新问题，搭建资管人才成长大平台，促进资管行业健 康长远发展。 作 者丨李览青 编 辑丨包芳鸣 江佩佩 降利率、缩期限，曾经"一单难求"的高收益大额存单产品越来越少了。 21世纪经济报道记者登录六大行以及多家股份行、城商行、民营银行APP发现， 不仅五年期 大额存单"失踪"，除了国有银行外，多家股份行、城商行的三年期大额存单都已下架，仅提 供最高期限为两年期的大额存单产品。 | 大额存单 我的大额存单 | | | | | --- | --- | --- | --- | | 2025年第四期1个月个人大额存单(2025100401) - ... | | | | | 产品利率(%) 0.90 | 起存金额(元) 200,000.00 | 交易城差 0.01 (1) | 存入 | | 2025年第三期1个月个人大额存单(2025100301) - ... | | | | | 产品制空(%) 0.90 | 超存 ...

以下文章来源于棱镜 ，作者肖望 棱镜 . 腾讯新闻出品栏目，《棱镜》聚焦泛财经深度记录。 将投中网设为"星标⭐"，第一时间收获最新推送 抢夺千万富豪客户们。 作者丨 肖望 编辑丨 孙春芳 来源丨 棱镜 私人银行，素以神秘、低调、门槛高昂著称。要成为私人银行客户，须在一家银行内拥有存款、理财 等金融资产超过600万元，招行则将这一门槛提高至1000万元。需要强调的是，这一门槛不包括房 产等固定资产。 业内共识是，一位私行客户往往享受不止一家私行服务，其个人资产普遍在1500万元以上。 一位私行业务负责人直言： 在金融业务基本同质化、理财差异不大的情况下，非金融服务权益已经 成为私人银行的核心竞争力。 预订私人飞机、南极旅行、名医就诊，再到留学辅导、海外医美，私人银行开"卷"服务背后，正是 抢夺千万富豪客户们的野心。 定制演唱会、南极旅游、观摩卫星发射 招行联合贝恩咨询发布的2023年《中国私人财富报告》数据显示，截至2022 年，可投资资产在 1000 万元以上的中国高净值人群数量达316万人，人均持有可投资产约3183万元。 谁能为富豪客户创造价值甚至提供情绪价值，谁就能得到客户转入更多的资产。同样，银行提供 ...

Core Viewpoint - The banking industry is increasingly adopting innovative marketing strategies to attract deposits, such as offering trendy gifts like LABUBU blind boxes to new account holders, reflecting a shift towards appealing to younger demographics [1][5][9] Group 1: Marketing Strategies - Ping An Bank has launched a promotional campaign where new customers can receive LABUBU blind boxes by depositing at least 50,000 yuan, indicating a shift from traditional deposit methods to more engaging marketing tactics [1][3] - The LABUBU brand, popular among young consumers, has become a significant draw for banks, with blind boxes selling for much higher prices on secondary markets, thus serving as a "social currency" [4][5] - The campaign is part of a broader trend where banks are exploring collaborations with popular cultural icons to enhance their appeal to younger clients [5][6] Group 2: Regulatory Environment - Recent regulatory guidelines prohibit banks from using gifts or cash incentives to attract deposits, which may pose challenges for such promotional activities [6][7] - Financial regulators have emphasized the need for banks to cease practices that involve offering physical gifts as a means of deposit attraction, with a deadline for existing practices set for 2025 [7][8] Group 3: Industry Trends - The banking sector is experiencing heightened competition for deposits, particularly as traditional marketing methods lose effectiveness among younger consumers [4][9] - The trend towards "flowering" deposit strategies is seen as a temporary measure to address significant pressure on banks' liabilities, especially in a declining interest rate environment [9]

Group 1 - Ping An Bank has launched a promotional campaign offering LABUBU blind boxes to new customers who deposit over 50,000 yuan, attracting significant interest from young customers [2][3][7] - The LABUBU brand, under Pop Mart, has gained immense popularity, with some items trading at over 30 times their original price in the second-hand market, indicating a strong demand among young consumers [3][8] - The campaign is part of Ping An Bank's strategy to appeal to the younger demographic by integrating financial services with popular cultural trends [7][8] Group 2 - The current low interest rate environment has made it challenging for banks to attract deposits, leading to innovative marketing strategies like the LABUBU promotion [8][9] - Regulatory concerns exist regarding the legality of using gifts as a marketing tactic for deposit acquisition, as banks are generally prohibited from offering physical gifts [8][9] - Experts suggest that banks should focus on providing better products and services rather than relying on promotional gifts to attract and retain customers, as this could lead to increased costs and pressure on profit margins [9]

Group 1 - Ping An Bank has launched a promotional campaign offering LABUBU blind boxes to attract new customers, specifically targeting the younger demographic [1][7] - The promotion requires new customers to deposit at least 50,000 yuan for a minimum of six months to receive the blind boxes, with additional incentives for opening a credit card [7] - Other banks, such as Jiangsu Bank and China Merchants Bank, are also employing creative marketing strategies to attract deposits, including offering event tickets and various gifts based on deposit amounts [8][9] Group 2 - There are mixed reactions to the practice of banks offering gifts for deposits, with some analysts viewing it as an effective way to attract younger customers and enhance market competitiveness [8] - Regulatory bodies have issued warnings against banks using physical gifts or collaborations with internet platforms to attract deposits, with some regions enforcing strict guidelines [9][10] - Historical regulations from 2018 have established that banks should not use improper means, such as cash returns or physical gifts, to attract deposits [12]

今年以来，多家银行、证券、保险机构撤销或宣布撤销其监事会。 文/ 《清华金融评论》 白浩辰 今年以来，以国有大行为首的多家银行、证券、保险机构宣布撤销 其公司监事会，并将相应职权移交至董事会审计委员会。该公司治 理改革的动因是顶层法规设计的变动和落地，新修订的《公司法》 第1 2 1条明确允许公司通过董事会下设审计委员会行使监事会职权， 并不再强制要求设立监事会，这很大程度上削弱了监事会的不可替 代性。由于撤销监事会能够降低公司治理成本，因此将有更多的金 融机构启动公司治理改革。 一场公司治理改革的浪潮正席卷金融机构。 新修订的《公司法》第121条明确允许股份有限公司通过 董事会下设审计委员会行使监事会职权，不再强制要求设立监事会。 国有大行带头，金融机构加紧撤销监事会 而在新修订的《公司法》落地生效的大背景下，银行、证券、保险等金融机构对《公司法》监事会职权 调整自动适用。2024年12月31日，国家金融监督管理总局发布了《关于公司治理监管规定与公司法衔接 有关事项的通知》（下称"《通知》"），重申了这一改革方面，明确金融机构可以按照公司章程规定， 在董事会中设置由董事组成的审计委员会，行使《公司法》和监管 ...

Core Insights - The report highlights the "Cost-Effectiveness Ratio" (费效比) as a key metric for evaluating management efficiency, indicating the profit generated per unit of labor cost [3][29] - Shenzhen's listed companies demonstrated a revenue growth of 5.73%, reaching a total revenue of 83,765 billion yuan, while labor costs increased by 8.86%, outpacing net profit growth of 3.7% [5][8] - The report categorizes Shenzhen's listed companies into three tiers based on their performance: leading companies show strong momentum, mid-tier companies are stabilizing, and long-tail companies have potential for improvement [19][20] Overview of Shenzhen Listed Companies - A total of 549 companies are listed in Shenzhen, with 423 on A-shares and 126 on H-shares, where private enterprises constitute 61.93% of the total [6][8] - The average revenue per company in Shenzhen is 152.58 million yuan, with an average net profit of 12.53 million yuan [5][6] Human Capital Investment - The increase in labor costs exceeding revenue growth by 3.13 percentage points indicates a belief among Shenzhen companies that investing in human capital will accelerate value release [8][19] - The 90th percentile cost-effectiveness ratio is 1.15, significantly higher than the industry median of 0.19, highlighting the impact of human resource management on net profit [12][19] Revenue and Profit Distribution - Shenzhen's listed companies achieved a total revenue of over 8.3 trillion yuan, with private enterprises contributing 42.3% [22][24] - Private enterprises also accounted for 42.7% of the total net profit, demonstrating their significant role in the local economy [24][27] Cost-Effectiveness Rankings - The top companies in terms of cost-effectiveness include Ping An Bank with a ratio of 2.33 and BYD with a strong focus on labor efficiency [28][73] - The report emphasizes the importance of measuring cost-effectiveness to ensure that contributions exceed costs, which is crucial for business incentives [29][31] Sector-Specific Insights - The report identifies leading companies in various sectors, such as Tencent and BYD, showcasing their ability to leverage high salaries for high returns [31][85] - The analysis reveals that companies with high labor costs can still achieve high efficiency through strategic investments in talent and technology [31][70] Future Outlook - The report suggests that Shenzhen's listed companies are well-positioned for future growth, with potential for enhanced efficiency through digital transformation and organizational restructuring [19][70] - The emphasis on human capital and strategic management practices indicates a robust framework for sustaining competitive advantages in a complex economic environment [19][31]

长江电力 中国核电 东方财富 7399.19亿市值 1945.73亿市值 3353.62亿市值 10.77亿成交额 2.55亿成交额 27.70亿成交额 9.46 30.24 21.22 +0.26(+0.87%) 0.00(0.00%) -0.24(-1.12%) 食品饮料 证券 中信证券 国泰海通 海天味业 期天 2338.79亿市值 3894.84亿市值 3305.57亿市值 7.31亿成交额 10.19亿成交额 2.81亿成交额 18.75 26.28 42.06 -0.15(-0.57%) +0.20(+1.08%) -0.06(-0.14%) 消费电子 化学制药 恒瑞医药 立讯精密 工业富联 4027.38亿市值 3674.20亿市值 2328.34亿市值 5.77亿成交额 18.90亿成交额 16.09亿成交额 55.64 32.12 20.28 -0.15(-0.73%) +1.28(+2.35%) +0.19(+0.60%) 家电行业 农牧饲渔 格力电器 牧原股份 海尔智家 出台名字 2516.15亿市值 2343.85亿市值 2318.95亿市值 7.83亿成交额 4.93亿成交额 6.4 ...

截至2025年6月10日 09:48，中证银行指数(399986)成分股民生银行(600016)上涨1.74%，南京银行 (601009)上涨1.67%，华夏银行(600015)上涨1.43%，兴业银行(601166)上涨1.26%，浙商银行(601916)上 涨1.22%。中证银行ETF(512730)上涨0.66%， 冲击3连涨。 中证银行ETF紧密跟踪中证银行指数，为反映中证全指指数样本中不同行业公司证券的整体表现，为投 资者提供分析工具，将中证全指指数样本按中证行业分类分为11个一级行业、35个二级行业、90余个三 级行业及200余个四级行业，再以进入各一、二、三、四级行业的全部证券作为样本编制指数，形成中 证全指行业指数。 数据显示，截至2025年5月30日，中证银行指数(399986)前十大权重股分别为招商银行(600036)、兴业银 行(601166)、工商银行(601398)、交通银行(601328)、农业银行(601288)、江苏银行(600919)、浦发银行 (600000)、中国银行(601988)、平安银行(000001)、民生银行(600016)，前十大权重股合计占比64.64%。 ...