张旭峰详细介绍了银行践行适当性原则的具体做法。他表示，银行通过五大维度构建客户"风险画像"， 并建立包括客户评估、系统匹配、双录确认、投后管理等环节的完整闭环管理流程。这些措施确保为客 户提供"量体裁衣"式的金融服务。在消费层面，建议消费者应根据实际需要和偿还能力理性选择金融产 品，避免盲目追求超前消费或高风险投资，真正做到"量入为出、理性规划"。 何海峰和张旭峰还与听众分享了典型服务案例。当客户投资意愿与风险承受能力不匹配时，理财经理会 通过专业沟通，帮助客户选择更适合的产品；同样，当客户提出超出承受能力的消费信贷需求时，银行 也会主动建议调整额度或期限，引导理性消费。他们表示，这种看似"拒绝"的做法，实则赢得了客户更 深度的信任，体现了银行的责任担当。 未来，平安银行海口分行将继续深化适当性管理，推动财富管理业务向以客户为中心的专业顾问模式转 型，同时加强消费者理性投资与理性消费教育，通过专业金融服务与负责任的风险提示，切实保障金融 消费者权益，助力美好生活。（叶文华） 转自：新华财经 9月16日，平安银行海口分行分管零售业务的副行长何海峰与私行财富部负责人张旭峰做客FM95.4海口 旅游交通广播《202 ...

转自：新华财经 平安银行海口分行9月16日成功举办"保障金融权益助力美好生活"2025年海南省金融教育宣传周"进商圈"活动。 本次活动在国家金融监督管理总局海南监管局等四部门指导下，联合平安财险海南分公司、平安人寿海南分公 司、海南银行、广发银行海口分行、兴业银行海口分行、渤海银行海口分行、南洋商业银行（中国）海口分行、 泰康人寿海南分公司、大家财险海南分公司、平安证券海南分公司等多家金融机构共同开展。 现场设置了"打击黑产大挑战""投资理财讲适当方块挑战赛""信用buff投篮""金融权益圈圈乐""多元化解飞行棋"等 多个互动游戏环节，集趣味性与金融知识普及于一体，吸引众多市民踊跃参与。 "金融市集"互动区为市民提供了一对一咨询服务，涵盖防范金融黑灰产、合规用卡、理性投资、多元化解纠纷、 打击非法集资、警惕电信诈骗、存款保险、征信修复骗局等多个主题，专业解答市民各类金融疑问。 此外，还特别设置了聚焦实用技能与知识普及的"急救专区"，帮助公众了解高效、便捷的维权途径，切实提升市 民金融安全意识和自救互救能力。 此次活动通过金融知识普及与便民服务相结合，切实提升了市民金融风险防范能力，展现了金融机构的责任担 当。 ...

Core Viewpoint - The A-share market experienced a strong rally in August 2025, with the Shanghai Composite Index approaching the 3900-point mark, leading to a significant increase in market activity and a record high in active users of securities apps [1][2]. User Activity Summary - In August 2025, the number of active users of securities apps reached 173 million, marking a year-on-year increase of 27.26% and a month-on-month increase of 4%, setting a new monthly record for the year [2][4]. - The top two securities apps, Huatai Securities' Zhangle Wealth and Guotai Junan's Junhong, both surpassed 10 million active users in August, with 11.83 million and 10.21 million users respectively [2][4]. - The monthly active user rankings for the top 10 securities apps remained consistent with the previous month, indicating strong performance from leading platforms [2][4]. Daily Active Users Summary - The daily active user rankings for August 2025 showed Huatai Securities' Zhangle Wealth leading with 4.14 million users, followed by Ping An Securities and GF Securities with 3.35 million and 3.26 million users respectively [5][6][7]. - Despite a slight decline in daily active users compared to previous months, there was a clear growth trend compared to January 2025, where Zhangle Wealth had 3.83 million daily active users [7]. Strategic Focus and Innovations - In 2025, several securities firms are actively integrating AI technology into their mobile and advisory services, enhancing user engagement through personalized information, smart stock selection, and automated trading strategies [8]. - The "818 Financial Festival" highlighted a strategic shift among securities firms from short-term promotions to long-term customer value management, with activities extending over 1-2 months to create a more sustainable customer engagement model [8]. - AI-driven tools and interactive applications were introduced during the financial festival, improving service personalization and response efficiency, while user-oriented strategies increased engagement through gamified tasks and quality educational content [8].

Core Insights - The A-share market has seen a significant increase in trading activity since August, with a total margin balance reaching 22,613.10 billion yuan by August 29, 2023, and new account openings soaring to 2.6503 million, a year-on-year increase of 165% [2][3][4] - The monthly active users of securities service applications reached a record high of 173 million in August, reflecting a year-on-year growth of 27.26% [2][3][4] - Major brokerage firms are intensifying their app development efforts, integrating AI technology into their advisory services to enhance competitiveness and address traditional advisory service limitations [2][9] Market Activity - The average daily trading volume of A-shares exceeded 20 trillion yuan in August, with several trading days surpassing 30 trillion yuan, indicating a significant increase compared to July [3] - The securities transaction stamp duty for August reached 25.1 billion yuan, marking a year-on-year increase of 225.97% and a month-on-month increase of 66% [3] App Performance - The top 50 securities apps collectively accounted for 117 million monthly active users, with the top ten apps holding nearly 70% of the market share [4][6] - Huatai Securities' "Zhang Le Wealth" app led with 11.8295 million monthly active users, followed by Guotai Junan's app with 10.2106 million [5][6] AI Integration - Brokerages are rapidly launching AI advisory services to capture online traffic and enhance user engagement, with features covering the entire investment lifecycle [9][10] - Guotai Junan has introduced a new AI-driven app that offers intelligent services, while other firms like Guojin Securities are developing AI assistants to improve service efficiency [10][11] Competitive Landscape - The competition among top apps reflects three major trends: the importance of full-chain service capabilities, specialization in vertical fields, and the empowerment of third-party platforms [7][11] - The current AI advisory products primarily focus on FOF (Fund of Funds) strategies, lacking true active management capabilities, indicating room for improvement in the market [11]

Core Viewpoint - Ping An Trust has appointed Wang Xin as the new chairman, following the departure of former chairman Fang Weihua due to work adjustments. This leadership change is expected to influence the company's strategic direction and operational focus in the trust industry [1][3]. Group 1: Leadership Changes - Wang Xin has officially taken over as chairman of Ping An Trust as of September 16, following approval from the Shenzhen Regulatory Bureau of the National Financial Supervision Administration [1]. - Former chairman Fang Weihua has transitioned to the role of party secretary at Ping An Trust and will assume the chairman position in January 2024 [1]. - Wang Xin has a strong background in finance, having joined Ping An Bank in 1996 and held various leadership roles within the organization [3]. Group 2: Company Performance - During Fang Weihua's tenure, Ping An Trust responded to the new three-category regulations in the trust industry, focusing on the development of standard investment and service trust businesses [1]. - The company's asset management scale reached 993 billion yuan in 2024, reflecting a year-on-year growth of 49.88% [1].

转自：新华财经 金秋九月，随着2025中国平安支教行动上海站的正式启动，来自平安银行上海分行和上海自贸试验区分 行的10名志愿者时隔一年，再次踏上高黎贡山，走进腾冲平安希望小学。这不仅是一场跨越山海的双向 奔赴，更是平安银行上海分行积极践行企业社会责任、助力乡村教育振兴的生动体现。 9月12日上午，云南腾冲平安希望小学的校园里洋溢着别样的温暖与活力。随着结课仪式暨捐赠仪式的 举行，平安银行上海分行2025年"与希望同行"公益支教行动画上圆满句号，同时也开启了平安银行教育 公益事业的新篇章。 十八年坚守，一场跨越山海的教育接力 自2007年起，平安银行上海分行与腾冲平安希望小学结下了不解之缘。十八年来，一批又一批志愿者从 黄浦江畔奔赴西南边陲，用爱心和知识滋润着这片土地上的孩子们。 2025年中国平安支教行动正式启动后，平安银行上海分行迅速响应，精心选派10名优秀志愿者组成支教 团队。这些志愿者在这个美好的开学季里，围绕科学、文学、文艺、心理健康等主题课，为腾冲平安希 望小学的孩子们带来了120课时的支教课程。 9月12日上午，腾冲平安希望小学校园内气氛庄重而热烈，结课仪式暨捐赠仪式在此隆重举行。平安银 行上海 ...

Core Viewpoint - The article highlights the launch of the 2025 China Ping An Teaching Action in Shanghai, showcasing Ping An Bank's commitment to corporate social responsibility and rural education revitalization through volunteer teaching initiatives [1][3][27] Group 1: Event Overview - The 2025 China Ping An Teaching Action was officially launched in September, with 10 volunteers from Ping An Bank's Shanghai branches returning to Tengchong Ping An Hope Primary School after a year [1][3] - A closing ceremony and donation event took place on September 12, marking the end of the 2025 teaching initiative and the beginning of a new chapter in Ping An Bank's educational charity efforts [3][9] Group 2: Long-term Commitment - Since 2007, Ping An Bank's Shanghai branch has maintained a close relationship with Tengchong Ping An Hope Primary School, sending numerous volunteers to support the education of local children over the past 18 years [5][11] - The bank's ongoing support has significantly improved the school's facilities and provided students with opportunities to broaden their horizons [11][13] Group 3: Volunteer Contributions - The 2025 teaching initiative involved 10 selected volunteers who delivered 120 hours of courses covering themes such as science, literature, arts, and mental health to the students [7][17] - The teaching team emphasized innovative course design, focusing on the balanced development of urban and rural education, and included diverse activities to enhance students' overall educational experience [17][20] Group 4: Financial Education and Community Engagement - The teaching activities coincided with the "Financial Education Promotion Month," where volunteers educated local communities about financial literacy, consumer rights, and anti-fraud measures [20][22] - Ping An Bank's educational initiatives reflect a broader trend of corporate involvement in rural revitalization and education support, transitioning from mere financial aid to fostering sustainable educational development [22][25] Group 5: Future Plans - Ping An Bank plans to deepen its educational charity actions and explore diverse support methods, aiming to create a broader educational charity ecosystem by involving clients and partners [25][27] - The bank's commitment to education and social responsibility is expected to lead to significant improvements in rural education, ensuring equitable and quality education for every child [25][27]

Core Viewpoint - The recent discussions on large-denomination certificates of deposit (CDs) highlight a significant disparity in interest rates between state-owned banks and private banks, driven by differences in resource endowment and operational foundations, leading to a "Matthew effect" in the industry [1][4]. Interest Rate Disparity - As of mid-September, large-denomination CDs from state-owned and joint-stock banks generally have interest rates in the "1" range, while some private banks offer rates exceeding 2%, but these products often sell out quickly due to limited availability [2][3]. - For instance, the Industrial and Commercial Bank of China and Agricultural Bank of China offer 1-year, 2-year, and 3-year CDs at rates of 1.20%, 1.20%, and 1.55% respectively, while Ping An Bank offers slightly higher rates of 1.40%, 1.40%, and 1.70% for the same terms [2]. Private Banks' High-Interest Products - Some private banks, like Suzhou Bank, offer 2-year and 3-year CDs at rates of 2.10% and 2.30%, respectively, but these products are often quickly sold out due to high demand [3]. - Other private banks, such as WeBank, have adjusted their rates downwards, with current offerings at 1.55%, 1.60%, and 1.60% for 1-year, 2-year, and 3-year CDs, indicating a trend of decreasing availability of high-rate products [3]. Resource Endowment Differences - The disparity in interest rates is attributed to the resource endowment differences between state-owned and private banks. State-owned banks have strong capital strength and brand recognition, allowing them to attract deposits without relying heavily on high interest rates [4]. - In contrast, private banks face challenges in attracting deposits and often resort to higher interest rates to compete in the market, which can lead to increased operational risks [4]. Active Transfer Market - The transfer market for large-denomination CDs is becoming increasingly active, with some products offering transfer rates exceeding 2%, indicating a strong demand for liquidity and adjusted investor return expectations [5][6]. - Investors are engaging in the transfer market for various reasons, including the need for immediate cash and the desire to reallocate funds into potentially higher-yielding investments as market conditions improve [6][7]. Market Trends and Investor Behavior - Recent trends show a shift in investor behavior, with some individuals opting to transfer their CDs to invest in the stock market, driven by a recovering market and the pursuit of higher returns [7]. - The latest data from the central bank indicates a decline in new household deposits, suggesting a broader trend of funds moving away from traditional savings products towards more dynamic investment opportunities [7].

银行行业资金流向排名 | 代码 | 简称 | 今日涨跌幅（%） | 今日换手率（%） | 主力资金流量（万元） | | --- | --- | --- | --- | --- | | 600016 | 民生银行 | -1.43 | 2.79 | -124908.82 | | 600036 | 招商银行 | -1.11 | 0.42 | -96548.52 | | 601169 | 北京银行 | -1.87 | 2.29 | -76484.34 | | 601166 | 兴业银行 | -1.76 | 0.52 | -56186.70 | | 601328 | 交通银行 | -1.27 | 1.15 | -51101.59 | | 601818 | 光大银行 | -1.66 | 1.23 | -47138.82 | | 601288 | 农业银行 | -1.68 | 0.13 | -44072.33 | | 601988 | 中国银行 | -0.92 | 0.15 | -31174.70 | | 002142 | 宁波银行 | -1.90 | 0.71 | -25716.69 | | 600015 | 华夏银行 ...

活动中，各金融机构现场观看启动仪式、讲师队授旗，演绎精彩的金融教育脱口秀、金融教育歌曲合唱 等各类金融消保文艺节目。随后在上海金融业为民办实事举措范例和受欢迎的金融教育作品发布环节， 分行微电影作品《不见外》荣誉入选。 场内启动仪式顺利举行、精彩表演燃动全场，场外同步开启的金融消保市集同样人气旺盛，热闹非凡。 平安银行上海分行作为15家银行业代表之一，在现场特设金融知识互动专区，利用"金融权益飞行 棋""转定乾坤"等趣玩装置，巧妙融合展位互动及知识竞赛，助力广大市民赢取精美活动纪念品，以"有 温度"的形式落地金融教育宣传，让知识传递兼具趣味性与亲和力。 转自：新华财经 9月15日，在上海金融监管局、人民银行上海总部等单位的联合指导下，上海市银行同业公会、上海市 保险同业公会在中国金融信息中心联合举办以"保障金融权益，助力美好生活"为主题的2025年上海地区 金融教育宣传周启动仪式。 上海金融监管局、人民银行上海总部、上海证监局、上海市委金融办、辖内百余家金融机构和市民代表 参加活动。平安银行上海分行党委书记、行长公茂江，党委委员、行长助理赵芳受邀出席本次活动。 上海金融监管局党委书记、局长綦相在致辞中指出，上 ...