都有成本。 钱转出去了，想转回来却成了难题。 王腾飞看着香港账户里的数字发呆，年初港股打新的盈利、加上多年的积蓄，足够付一套婚房的首付，但当他尝试将 资金转回内地时，却发现并不简单：这笔钱超过个人每年5万美元的换汇额度，需要分年操作；如果留在香港，当地 存款利率已不再具有优势。 "钱明明在那里，却不知道该怎么安全地拿回来。"他苦笑道。 抱着试试看的心态，卢元依照中介指引在线提交了材料，开设了一个境外虚拟账户。据对方介绍，这个账户具有与实 体银行卡相似的核心功能，全程在线即可完成开通。 过去几年，在内地居民资产配置多元化与跨境业务拓展的需求驱动下，赴境外尤其是香港开设银行账户一度蔚然成 风。境外账户似乎意味着更自由的资金流动，但实际操作中，从转入到转出，每一步都可能遇到意想不到的障碍。资 金损耗、地区规则差异，甚至账户冻结，形成了一张隐形的成本网。 与此同时，针对跨境资金流动的监管也进一步趋严。2026年1月1日起，针对跨境汇款业务，单笔人民币5000元或外币 等值1000美元以上汇款，需核实汇款人信息的准确性。近期，内地客户赴港开户难度也在增加，且部分银行针对2026 年非香港身份证新开户账户或将加收管理费。 ...

汇丰银行外汇研究部门的全球主管保罗•麦克尔表示："我们的基本观点是，预计到今年年底，美元将普 遍走软，并持续到2026年。"美国主要劳动力市场数据将于周二公布，美国隔夜指数掉期曲线可能需要 非常强劲的数据才能打消美联储在2026年降息的预期，从而大幅推高美元。 来源：滚动播报 ...

Core Viewpoint - An independent board committee of Hang Seng Bank has deemed HSBC's $13.6 billion take-private offer as fair and reasonable, recommending minority investors to vote in favor of the proposal [1] Group 1 - The independent board committee's assessment supports the valuation of HSBC's offer at $13.6 billion [1] - The recommendation from the committee is aimed at guiding minority investors in their voting decision [1]

美股频道更多独家策划、专家专栏，免费查阅>> 责任编辑：栎树 12月15日，汇丰控股旗下汇丰英国承诺，其327家分行至少营业至2027年，明年投资于发展分行网络的 投资额为5580万英镑，按年增长32.86%。该笔资金将用于翻新和现代化改造英国各地的分行。 汇丰英国表示，分行使用率维持强劲，每间分行平均每月有82.5万名客户到访，柜员机每月交易量逾 200万宗。汇丰银行英国分行网络主管Sally Williams表示，大力投资分行网络，以便能够继续为客户处 理复杂的服务，以及在有需要时与客户面对面交流。 ...

Mergers and Acquisitions - Hang Seng Bank's independent financial adviser recommended shareholders to approve HSBC's privatization proposal [1]

本公告僅供參考，並不構成收購、購買或認購滙豐控股、滙豐亞太或恒生銀行證券的邀請 或要約或該等邀請或要約的一部分，亦不在任何司法管轄區構成任何投票或批准的招攬， 亦不構成於任何司法管轄區內任何收購、購買或認購滙豐控股、滙豐亞太或恒生銀行證券 的邀請、要約或招攬要約，亦不得在任何司法管轄區內違反適用法律進行銷售、發行或轉 讓滙豐控股、滙豐亞太或恒生銀行證券。若構成違反任何司法管轄區的適用法律或法規， 則本公告所載全部或部分資料不得於、向或從該司法管轄區發佈、刊發或分發。 滙豐控股有限公司 （香港股份代號：5） 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準 確性或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容而產 生或因倚賴該等內容而引致的任何損失承擔任何責任。 恒生銀行有限公司 （股份代號：11（港幣櫃台）及 80011（人民幣櫃台）） 香港上海滙豐銀行有限公司 聯合公告 (1)香港上海滙豐銀行有限公司根據《公司條例》第673條 以協議安排方式將恒生銀行有限公司私有化之建議 及 (2)建議撤銷恒生銀行股份的上市地位 寄發計劃文件 滙豐控股和滙豐亞太的聯席財務 ...

（文章来源：每日经济新闻） 每经AI快讯，12月15日，汇丰控股在港交所公告，对恒生银行私有化方案的拟定对价为155港元/股，计 划对价属最终定价，在任何情况下均不会被提高。 ...

滙豐控股有限公司 （香港股份代號：5） | 恒生銀行法院會議 | 恒生銀行股東大會 | | --- | --- | | 將於2026年1月8日（星期四）上午10時 | 將於2026年1月8日（星期四）上午11時正 | | 3 0 分假座香港灣仔堅尼地道 1 5 號 合 | （或緊隨恒生銀行法院會議結束或延會 | | 和酒店 1 6 樓合和大禮堂舉行及透過 | 後）假座香港灣仔堅尼地道15號合和酒 | | 法院會議網上平台（網址： https://meetings. | 店16樓合和大禮堂舉行及透過股東大會 | | computershare.com/HangSengCourtMeeting&Locale=zh-hk ） | 網上平台（網址： https://meetings.computershare.com/ | | 於網上舉行。 | ）於網上舉行。 HangSengGeneralMeeting&Locale=zh-hk | 計劃股東、恒生銀行股東、股份由登記持有人持有或存放於中央結算系統的實益擁 有人（包括南向通投資者）以及恒生銀行美國預託股份持有人應採取的行動的進一步詳 情，概括載於本計劃文件第15至2 ...

Core Viewpoint - Wall Street strategists are shifting focus from Big Tech to less popular sectors such as health care, industrials, and energy for investment opportunities in 2026, amid skepticism about the sustainability of Big Tech's high valuations and growth rates [1][12][14] Investment Trends - There is a noticeable rotation of investments away from the "Magnificent Seven" tech stocks towards undervalued cyclicals and small-cap stocks, as investors anticipate economic growth in the upcoming year [1][6][9] - The small-cap Russell 2000 Index has increased by 11% since November 20, while the Magnificent Seven companies have only gained half of that [6][12] Sector Performance - The S&P 500 Equal Weight Index is outperforming its cap-weighted counterpart, indicating a broader market participation beyond just large-cap tech [6][11] - Sectors such as utilities, financials, health care, industrials, energy, and consumer discretionary have shown solid gains this year, suggesting a shift in market dynamics [12][14] Earnings Outlook - Earnings growth for the S&P 493 is projected to rise to 9% in 2026 from 7% this year, with the contribution from the largest companies in the S&P 500 expected to decrease from 50% to 46% [11][14] - Investors are looking for evidence that the S&P 493 companies are meeting or exceeding earnings expectations to become more bullish [12][14] Economic Context - The current economic backdrop is described as "early-cycle," which typically benefits cyclical sectors and lower-quality stocks [9][14] - The Federal Reserve has cut interest rates for the third consecutive time, which may support a bullish trend in the broader market [12][14]

Market Overview - Wall Street is experiencing a strong year with all four major averages up double digits, particularly the Nasdaq which is up 20% [1] - This marks the third consecutive year of market gains, raising questions about the sustainability of this rally into 2026 [1] Bullish Indicators - Improvement in market breadth is noted, with leadership emerging from sectors beyond technology, including financials, industrials, and transports [2] - The Federal Reserve has implemented another rate cut, coinciding with strong consumer activity during the holiday shopping season [2] Bearish Concerns - Despite the Fed's rate cut, forecasts indicate limited further cuts in the coming year, with only one additional cut projected [3] - Signs of weakness in the housing market are evident, with national home prices declining and statements from industry leaders indicating it is the worst housing market in nearly 50 years [3] Sector Analysis - Financials are favored due to the steepness of the yield curve, which is beneficial at this point in the economic cycle [7] - The technology sector is undergoing a repricing, with concerns that current valuations may not be sustainable given logistical constraints in rapid expansion [8] AI Market Dynamics - The AI sector is experiencing a global demand surge, which is expected to push prices higher, although there are concerns about overbuilding in the market [9][16] - The potential for AI to enhance productivity is emphasized, with a multi-year tech revolution anticipated, although caution is advised regarding possible overinvestment [16][17] Earnings Outlook - Earnings growth is projected to accelerate, with estimates of 10% growth last year, 12% this year, and 14.5% next year based on consensus numbers [11] - The overall economic environment is described as stable, despite a mismatch between equity markets and the broader economy [12]