在各地的活动现场，一顶顶橙色鲜明的帽子格外引人瞩目。本次教育宣传周，平安银行面向社会正式发起"小橙帽"金融消保公益志愿者队伍招募，积极与街道、社区、学校、企业等多方联动，共 消保延伸服务方面，志愿者们将联合各地公安机关、反诈中心、社区、养老院、学校以及培训机构，开展金融知识宣传与教育、智能设备操作以及风险提示宣导；在公益关爱方面，志愿者们将贴 目前，"小橙帽"金融消保公益志愿者已在北京、天津、深圳、上海、成都、昆明、长春、青岛、南京、贵阳、苏州、东莞、乌鲁木齐等多个城市启动集结。 近期，在国家金融监督管理总局、中国人民银行等指导下，平安银行2025年金融教育宣传周圆满开展。不同于传统教育宣传模式，今年的宣传周不仅有漫画新书首发，还有"小橙帽"志愿者公益 新书首发，三分钟学防骗，轻松守住"钱袋子" 9月19日，平安银行再度跨界联合中国法治出版社发行消保漫画书《三分钟漫画电信网络诈骗防范》，并在北京、上海、成都、广州、温州等多地举办新书发布会。 该书覆盖了当前社会上最常见的电信网络诈骗类型。无论是老年人、宝妈、学生，还是职场人士、务农人群等不同人群，都能在书里找到类似的案例和对应的防范技巧。书中不仅有实用的防诈指 ...

Core Insights - The article discusses the diverse range of bank wealth management products available, emphasizing the need for investors to discern and select suitable options amidst similar-sounding and vaguely characterized products [1] - The South Finance Wealth Management team compiles a weekly performance ranking of wealth management products sold through various distribution channels, focusing on those with outstanding performance [1] - The ranking criteria include product type, specifically targeting pure fixed income, "fixed income plus," and mixed products, along with performance stability, requiring a minimum of three months of performance data [1] Product Performance Summary - The ranking showcases annualized performance over the past month, three months, and six months, sorted by the three-month annualized return to reflect multidimensional performance during recent market fluctuations [1] - The current focus is on pure fixed income products issued by wealth management companies, highlighting those available for investors through distribution channels [1] Distribution Institutions - A total of 28 distribution institutions are mentioned, including major banks such as Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, and others [2] - The ranking's assessment of the "on-sale" status of wealth management products is based on their investment cycle, but actual availability may vary due to factors like sold-out quotas or differences in product listings for different customers [2] Performance Data - The article provides specific performance data for various wealth management products, including annualized returns and investment periods, with notable products listed from institutions like Bank of China and Minsheng Bank [5][7][10] - For instance, products from Bank of China show annualized returns ranging from 5.40% to 8.53% over different holding periods, indicating competitive performance in the current market [5][10]

Core Insights - The article focuses on the performance of bank wealth management products with varying minimum holding periods, specifically highlighting the annualized returns of these products to assist investors in making informed choices [1][2]. Summary by Categories 7-Day Holding Period Products - The top-performing product is from Huaxia Bank, with an annualized return of 16.86% [4]. - Other notable products include: - Minsheng Bank's "Fuzhu Pure Bond" at 13.12% [4]. - Minsheng Bank's "Guizhu Fixed Income" at 12.94% [4]. - Bank of China’s "Stable Wealth High-Grade Pure Bond" at 11.45% [4]. 14-Day Holding Period Products - Minsheng Bank's "Guizhu Fixed Income" leads with a return of 13.71% [7]. - Other significant products include: - Minsheng Bank's "Fuzhu Pure Bond" at 10.97% [7]. - Bank of China's "Stable Wealth Fixed Income" at 9.67% [7]. 30-Day Holding Period Products - Minsheng Bank's "Fuzhu Pure Bond" has an annualized return of 9.51% [9]. - Other key products include: - Minsheng Bank's "Guizhu Fixed Income" at 8.99% [10]. - Bank of China's "Stable Wealth Preferred" at 7.13% [10]. 60-Day Holding Period Products - Bank of China's "Smart Wealth Index Tracking Strategy" tops the list with a return of 23.99% [12]. - Other notable products include: - Minsheng Bank's "Fuzhu Pure Bond" at 7.48% [12]. - Bank of China's "Stable Wealth Credit Selection" at 6.31% [12].

手机银行APP丨监测报告 核心摘要： 在国家全面推进数字化转型与金融科技创新的背景下，手机银行APP已成为商业银行服务用户、优化体验、 提升竞争力的核心载体。随着移动互联网技术的迭代与用户行为的深度变迁，银行业从早期的渠道迁移迈入 智能化、场景化、普惠化的新阶段。AI技术的深度融合、精细化运营策略的落地以及用户需求的多元化，正 重塑手机银行APP的市场格局与价值内涵。 手机 银行 APP 用户粘性明显下滑，银行亟需精细化经营 从用户行为角度， 2023 年至 2025 年间我国手机银行 APP 用户粘性明显下滑，用户单机单日有效 使用时间从 4.93 分钟 跌至 2.70 分钟 ，单机单日使用次数从 4.54 次降至 2 .86 次。 这表明手机 银 行 APP 作为银行用户触达和互动的核心 渠道的吸引力 正在 减弱，传统的银行 APP 功能和服务模 式已难以维持用户的高频次、长时间 使用。而这现状是银行 APP 功能同质化严重、金融服务嵌入 第三方场景、银行 APP 操作体验不佳等多重因素共同作用的 结果。 面对存量竞争市场与日益下滑 的用户粘性， 银行要实现有效"突围"，关键 在于精细 化 运营。 精细化 ...

Core Viewpoint - The recent upgrade of Ping An Bank's ESG rating to AA by MSCI reflects the bank's significant improvements in areas such as consumer protection, green finance, and data security, highlighting its commitment to sustainable development and enhancing investor confidence [1][11]. Group 1: ESG Rating and Recognition - Ping An Bank achieved a three-level upgrade in its ESG rating from BB to AA within five years, as recognized by MSCI, a leading global financial index and ESG rating agency [1]. - The upgrade signifies international acknowledgment of Ping An Bank's ESG management and overall performance, reinforcing its sustainable development value in the capital market [1][11]. Group 2: Sustainable Development Strategy - The bank emphasizes sustainable development as a long-term strategy, ensuring the maximization of long-term value while addressing economic, social, and environmental sustainability [3]. - Ping An Bank is actively implementing the national "dual carbon" goals by developing a diversified green finance product system, including green loans and bonds, to support various sectors such as energy transition and ecological protection [4]. Group 3: Financial Inclusion and Support for SMEs - As of June 2025, the bank's inclusive finance initiatives resulted in a balance of loans for small and micro enterprises reaching 499.52 billion, with over 970,000 clients served [5]. - The bank has also invested 31.26 billion in rural revitalization efforts, demonstrating its commitment to supporting the agricultural sector and rural communities [5]. Group 4: Technology and Data Security - Under its technology finance strategy, Ping An Bank has developed a comprehensive operating system for technology finance, offering specialized products for tech enterprises, with a loan balance of 193.44 billion as of June 2025 [7]. - The bank prioritizes data security by enhancing its data management systems and ensuring 100% employee training coverage on information security [7]. Group 5: Pension Finance and Customer Experience - Ping An Bank has expanded its pension finance product offerings to 239 types, enhancing its service solutions for retirement planning [8]. - The bank's app has been upgraded to provide a one-stop service for personal pension management, integrating various services from the broader Ping An Group ecosystem [8]. Group 6: Corporate Governance and Transparency - The bank is committed to improving corporate governance and compliance, implementing measures such as anti-corruption and anti-money laundering policies [9]. - It adheres to high international standards for ESG information disclosure, enhancing transparency and investor confidence [9].

Core Viewpoint - Ping An Bank has achieved a significant upgrade in its ESG rating from MSCI, moving from BB to AA over five years, reflecting its strong performance in consumer protection, green finance, and data security [1][11]. ESG Rating and Recognition - MSCI, a leading financial index and ESG rating agency, recognized Ping An Bank's ESG management and overall performance, which is crucial for global investment data analysis and decision-making [1]. - The upgrade to AA rating signifies international acknowledgment of the bank's commitment to sustainable development [1][11]. Sustainable Development Strategy - Ping An Bank emphasizes sustainable development as a long-term strategy, ensuring the maximization of long-term value [3]. - The bank actively engages in financial services that support economic, social, and environmental sustainability [3]. Green Finance Initiatives - The bank is committed to the national carbon neutrality strategy, developing a diversified product system in green finance, including green loans and bonds [4]. - As of June 2025, the bank's green loan balance reached 251.746 billion yuan, and it provided 1.34 billion yuan in green supply chain services [4]. Inclusive Finance Efforts - Ping An Bank focuses on inclusive finance, supporting small and micro enterprises, with a loan balance of 499.524 billion yuan as of June 2025, and a year-on-year growth of 33.6% in new loans [5]. - The bank has also invested 31.259 billion yuan in rural revitalization efforts, with a cumulative investment of 183.506 billion yuan [5]. Technology and Data Security - The bank has developed a technology finance system, offering specialized products for tech enterprises, with a loan balance of 193.436 billion yuan as of June 2025 [7]. - It maintains a robust data security management system, achieving 100% employee training coverage on information security [7]. Pension Finance Development - Ping An Bank has diversified its pension finance product offerings, with 239 personal pension products available as of June 2025 [8]. - The bank enhances customer experience through its app, integrating various services related to health and insurance [8]. Corporate Governance and Transparency - The bank prioritizes corporate governance, enhancing compliance and ethical standards, and improving ESG information disclosure [9]. - It was recognized in the S&P Global Corporate Sustainability Assessment, being one of only two banks in mainland China to be included in the Sustainable Development Yearbook 2025 [9]. Future Outlook - The AA rating from MSCI is expected to bolster the bank's brand influence, investor confidence, and green finance business [11]. - Ping An Bank aims to continue its commitment to sustainable development, contributing to social, economic, and environmental progress [11].

近期，在国家金融监督管理总局、中国人民银行等指导下，平安银行2025年金融教育宣传周顺利开展。 不同于传统教育宣传模式，今年的宣传周不仅有漫画新书首发，还有"小橙帽"志愿者公益行动、原创综 艺短剧、风险提示送上门等精彩呈现，让金融消保真正融入生活，践行"为民办实事"。 本次教育宣传周期间，平安银行再次发挥创意，推出三部原创视频作品，用更贴近生活的方式普及金融 知识。 《匹配吧！投资理财相亲局》把金融消保课堂搬进大众熟悉的相亲综艺，趣味呈现不同风险承受能力的 投资者与不同风险等级的金融产品之间相互了解、适配的过程，直观地为大家科普"投资理财三适当"原 则。 新书首发，三分钟学防骗，轻松守住"钱袋子" 9月19日，平安银行再度跨界联合中国法治出版社发行消保漫画书《三分钟漫画电信网络诈骗防范》， 并在北京、上海、成都、广州、温州等多地举办新书发布会。 该书覆盖了当前社会上最常见的电信网络诈骗类型。无论是老年人、宝妈、学生，还是职场人士、务农 人群等不同人群，都能在书里找到类似的案例和对应的防范技巧。书中不仅有实用的防诈指南，还特别 加入了金融消保课堂和风险提示关键词，如投资理财"三适当"原则、防范金融"黑产"等内容 ...

Core Insights - The recent personnel changes at the credit card center of Guangfa Bank have attracted industry attention, with the new general manager expected to be Kuang Bo, currently the general manager of the retail financial department at the bank [1][2] - This change is part of a broader trend, as two other joint-stock banks have also recently appointed new leaders for their credit card centers, indicating a wave of leadership transitions in the sector [1][3] Personnel Changes - Kuang Bo is set to replace Jin Qian, who has been serving as the general manager of the credit card center in addition to his role as chief credit officer [2] - The approval of new general managers for the credit card centers at China Minsheng Bank and Ping An Bank has been confirmed by regulatory authorities [4][12] Industry Trends - The credit card industry is facing significant challenges, with the total number of credit cards and combined credit cards declining for 11 consecutive quarters, dropping by 12 million cards compared to the end of the previous year [11] - Guangfa Bank's credit card overdraft amount decreased from 424.88 billion yuan at the end of 2023 to 392.84 billion yuan, marking a significant decline [11] - Minsheng Bank reported a reduction in credit card loans and overdrafts, with total amounts decreasing from 477.25 billion yuan to 449.90 billion yuan [12] Performance Metrics - Guangfa Bank's credit card non-performing rate increased to 2.19%, up by 0.6 percentage points from the end of 2023 [11] - Minsheng Bank's credit card non-performing rate rose from 3.28% to 3.68% [12] - Ping An Bank's credit card receivables decreased by 9.23% to 394.87 billion yuan, while its non-performing rate improved to 2.30% [12][13] Consumer Behavior - The decline in credit card usage is attributed to the rise of mobile payments and changing consumer habits, with a shift towards smaller, more frequent transactions [11][13] - Analysts suggest that credit cards need to evolve beyond mere payment tools to become comprehensive financial service platforms that integrate credit management and consumer rights [14]

证券之星消息，10月10日股份制银行板块较上一交易日下跌0.01%，招商银行领跌。当日上证指数报收于3897.03，下跌0.94%。深证成指报收于 13355.42，下跌2.7%。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) | | --- | --- | --- | --- | --- | --- | | 601916 | 浙商银行 | 3.02 | 1.00% | 187.79万 | 5.66亿 | | 600015 | 半夏银行 | 6.56 | 0.46% | 230.34万 | 15.19亿 | | 600000 | 浦发银行 | 11.84 | 0.34% | - 93.76万 | 11.13亿 | | 000001 | 平安银行 | 11.43 | 0.26% | 108.79万 | 12.44亿 | | 601166 | 兴业银行 | 19.69 | 0.10% | 122.49万 | 24.18亿 | | 666109 | 中信银行 | 7.26 | 0.00% | 61.73万 | 4.50亿 | | 600016 | 民生 ...

| 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 | | --- | --- | --- | --- | --- | --- | --- | --- | | 600000 | 浦发银行 | 2067.76万 | 2.16% | 2673.38万 | 2.79% | -4741.14万 | -4.95% | | 601998 | 中信银行 | 889.90万 | 2.52% | -1010.01万 | -2.86% | 120.11万 | 0.34% | | 000001 | 平安银行 | 121.54万 | 0.10% | 505.19万 | + 0.43% | -626.72万 | -0.53% | | 601916 | 浙商银行 | -803.71万 | -1.88% | -773.84万 | -1.81% | 1577.55万 | 3.69% | | 600036 招商银行 | | -1.79亿 | -4.58% | -3701.22万 | -0.95% | 2.16/Z | 5.53% | | 600016 | 民 ...