银行板块震荡上扬，工商银行盘中创历史新高，浦发银行涨超2%，宁波银行、南京银行、兴业银行上 扬。 ...

Core Insights - The chairman of Industrial and Commercial Bank of China (ICBC), Liao Lin, emphasized the bank's commitment to supporting manufacturing, technological innovation, and trade circulation, maintaining a leading position in these sectors [1] - ICBC aims to align with the spirit of the 20th National Congress of the Communist Party, focusing on responsibility and leadership in financial services, while enhancing its risk management and financial solutions [1] Group 1 - Liao Lin highlighted trends in global technological innovation and ICBC's role as a leading bank in providing financial support to key industries [1] - The bank is committed to a customer-centric approach, market orientation, and value-driven strategies to enhance its service offerings [1] - ICBC plans to implement a comprehensive financial solution framework and deepen its risk management capabilities to better support the innovation and development of Chinese enterprises [1] Group 2 - The bank's strategy includes a focus on "four integrations"—financing, intelligence, technology, and connectivity—to bolster the modernization of the industrial system and promote self-reliance in technology [1] - ICBC aims to inject stronger financial momentum into China's modernization efforts through its initiatives [1]

第八届中国企业论坛11月3日至4日在京举行。全国工商联主席高云龙，国务院国资委主任张玉卓，新华 社副社长刘健出席并致辞。中国工商银行董事长廖林受邀出席，并围绕论坛主题"中国企业：战略定力 与创新提升"作主旨发言。廖林分享了当前全球科技创新领域一些趋势性变化，指出工商银行始终专注 主责主业，在金融支持制造业、科技创新、商贸流通等领域保持领先优势，有效发挥了领军银行作用。 他表示，工商银行将认真学习贯彻党的二十届四中全会精神，全面落实好"十五五"规划建议提出的战略 任务，坚决扛起责任担当，坚持党建引领、推进五化转型，以客户为中心，以市场为导向，以价值为引 领，加快构建全面金融解决方案，深化全面风险管理体系的对外赋能，通过融资、融智、融技、融 通"四融并举"，更好服务中国企业创新发展，全力支持现代化产业体系建设和科技自立自强，助力新质 生产力加快发展，为中国式现代化注入更加强劲的金融动能。（中国工商银行） ...

Core Insights - The state-owned large bank sector experienced a 2.01% increase on November 4, with Industrial and Commercial Bank of China (ICBC) leading the gains [1] - The Shanghai Composite Index closed at 3960.19, down 0.41%, while the Shenzhen Component Index closed at 13175.22, down 1.71% [1] Bank Performance - ICBC's closing price was 8.13, up 2.91%, with a trading volume of 4.41 million shares and a transaction value of 35.56 billion [1] - Postal Savings Bank closed at 5.92, up 2.42%, with a trading volume of 2.22 million shares and a transaction value of 1.309 billion [1] - Construction Bank closed at 9.55, up 2.25%, with a trading volume of 1.5865 million shares and a transaction value of 15.05 billion [1] - Agricultural Bank closed at 8.15, up 1.75%, with a trading volume of 3.7408 million shares and a transaction value of 30.46 billion [1] - Bank of Communications closed at 7.39, up 1.65%, with a trading volume of 2.2844 million shares and a transaction value of 16.81 billion [1] - Bank of China closed at 5.73, up 0.88%, with a trading volume of 4.0881 million shares and a transaction value of 2.338 billion [1] Fund Flow Analysis - The state-owned large bank sector saw a net inflow of 1.082 billion in main funds, while retail funds experienced a net outflow of 565 million [1] - The main fund inflow for ICBC was 605 million, representing 17.00% of its total, while retail funds saw a net outflow of 274 million [2] - Agricultural Bank had a main fund inflow of 210 million, accounting for 6.88%, with retail funds experiencing a net outflow of 36.73 million [2] - Postal Savings Bank recorded a main fund inflow of 130 million, with retail funds seeing a net outflow of 74.73 million [2] - Construction Bank had a main fund inflow of 116 million, while retail funds experienced a net outflow of 122 million [2] - Bank of Communications saw a main fund inflow of 113 million, with retail funds experiencing a net outflow of 91.44 million [2] - Bank of China had a net outflow of 91.14 million in main funds, while retail funds saw a net inflow of 80.96 million [2]

2025年10月27日，邢台金融监管分局发布批复称，《中国工商银行河北省分行关于丁向军任职邢台分行 行长的请示》（工银冀报〔2025〕93号）收悉。经审核，现批复如下： 二、中国工商银行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自中国工商银行 政许可决定作出之日起3个月内到任，并按要求及时报告到任情况。未在上述规定期限内到任的，本批 复文件失效，由决定机关办理行政许可注销手续。 三、中国工商银行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固树立风险 合规意识，熟悉任职岗位职责，忠实勤勉履职。 一、核准丁向军中国工商银行股份有限公司邢台分行行长的任职资格。 ...

智通财经APP获悉，中银国际发布研报称，工商银行(01398)2025年第三季度归属净利润同比增长 3.3%，增速较第二季度的1.4%有所提升。2025年前三季度净息差为1.27%，上半年为1.3%，较2024年底 分别下滑15和12个基点。基于2025年市净率约0.7倍，中银国际将工行目标价从7.15港元上调至8.34港 元;维持"买入"评级。 中银国际表示，工行H股目前股价相当于2025年市净率约0.5倍，考虑其稳健资产质素等因素，认为价值 被低估。展望未来，中银国际仍相信，工行将于2025年第四季度在资产质素稳健的情况下报告正向盈利 增长。 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) has resumed its gold accumulation business, allowing customers to open accounts, actively accumulate gold, add new fixed-term accumulation plans, and apply for physical gold withdrawals [1] Group 1: Business Resumption - ICBC announced the resumption of its "Ruyi Gold Accumulation" business, which includes account openings and gold accumulation activities [1] - The bank had previously suspended certain applications for the Ruyi Gold Accumulation business on the morning of November 3 [1] Group 2: Market Advisory - ICBC advises investors to pay attention to fluctuations in the gold market and to enhance their risk awareness to protect their asset security [1]

Core Viewpoint - Industrial and Commercial Bank of China (ICBC) has announced the resumption of applications for the "Ruyi Gold Accumulation" business after a temporary suspension due to macroeconomic policy impacts [2][4]. Group 1: Business Operations - ICBC suspended the acceptance of applications for the "Ruyi Gold Accumulation" business starting November 3, 2025, due to macroeconomic policy influences and risk management requirements [4]. - China Construction Bank (CCB) also announced a suspension of its "Easy Storage Gold" business, affecting real-time purchases, new investment plans, and physical gold exchanges, while existing plans remain unaffected [6]. - The Ministry of Finance and the State Administration of Taxation released new tax policies regarding gold, effective from November 1, 2025, which will last until December 31, 2027, exempting certain transactions from value-added tax [7]. Group 2: Market Impact - The new tax policies have led to increased costs for gold procurement and production, prompting companies like Chow Tai Fook Jewelry to adjust prices for certain gold products starting November 3 [8]. - On November 3, A-share gold and jewelry concept stocks experienced declines, with notable drops including Chao Hong Ji hitting the daily limit down, and other companies like Pengxin Resources and Lao Feng Xiang falling over 3% [8][9]. - In the Hong Kong stock market, gold and jewelry stocks also saw significant declines, with Chow Tai Fook dropping 8.67% and Lao Pu Gold falling 7.16% [10]. Group 3: Industry Analysis - According to CITIC Securities research, the new gold tax regulations will have three main impacts: increased costs for non-investment gold jewelry companies due to reduced input tax deductions, advantages for companies selling investment gold, and expected price increases for consumers purchasing gold jewelry [10].

Core Points - The Industrial and Commercial Bank of China (ICBC) has resumed accepting applications for the "Ruyi Gold Accumulation" business, including account openings, active accumulation, new fixed accumulation plans, and physical gold withdrawals [1][2] - Customers can process various Ruyi Gold Accumulation services through ICBC branches and the ICBC app [1][2] - The bank advises customers to pay attention to fluctuations in the gold market and enhance risk awareness to protect their asset security [1][2] Summary by Category - **Business Resumption** - ICBC has restarted the acceptance of applications for the Ruyi Gold Accumulation business [1][2] - Services include account openings, active accumulation, new fixed accumulation plans, and physical gold withdrawals [1][2] - **Customer Access** - Customers can access these services through ICBC's physical branches and the ICBC mobile application [1][2] - **Market Advisory** - The bank recommends that customers monitor gold market fluctuations and improve their risk prevention awareness [1][2]

Core Viewpoint - Industrial and Commercial Bank of China (ICBC) has announced the resumption of its "Ruyi Gold Accumulation" business, allowing customers to apply for account openings, active accumulation, new fixed accumulation plans, and physical gold withdrawals [1] Group 1 - ICBC will accept applications for the "Ruyi Gold Accumulation" business through various channels, including bank branches and the ICBC app [1] - The bank advises customers to pay attention to fluctuations in the gold market and to enhance risk awareness to protect their assets [1]