股价大涨、险资扫货、提前分红，银行股缘何成为“香饽饽”？

Core Viewpoint - The recent surge in bank stock prices is attributed to declining deposit rates, leading investors to seek new opportunities in the banking sector, with many banks also offering early dividends [1][4]. Group 1: Stock Performance - The banking sector has shown significant growth, with the China Securities Banking Index rising by 0.49% and reaching a new high of 7916.59 points [2]. - Out of 42 bank stocks, 39 experienced gains, with Minsheng Bank and Zheshang Bank leading with increases of 2.83% and 2.14%, respectively [2]. - Large state-owned banks saw a slight increase of 0.02%, with Industrial and Commercial Bank of China leading the gains [3]. Group 2: ETF and Institutional Investment - Bank-related ETFs have become popular among investors, with the China Merchants Bank ETF rising over 18% this year, and nearly 10 ETFs gaining over 10% [3]. - The only cross-listed bank ETF (517900) saw a volume increase of 0.59%, reaching a new high, with a net inflow of approximately 57 million over five consecutive days [3]. - Insurance capital has been actively investing in bank stocks, with 10 instances of shareholding increases this year, including a significant increase by Ping An Life in China Merchants Bank [3]. Group 3: Dividend Trends - The dividend distribution among banks has occurred earlier than usual this year, with 12 out of 17 banks with dividend plans already completing their payouts [4]. - Notable dividends include Changsha Bank distributing 1.689 billion and Chongqing Bank distributing 862 million, both showing an increase in dividend rates compared to last year [4]. Group 4: Future Outlook - Analysts suggest that the bullish trend in the banking sector is supported by long-term capital allocation needs from public funds and insurance companies, high dividend yields, and macro policies aimed at reducing systemic risks [5]. - Investment institutions maintain a positive outlook for bank stocks, citing continued demand from institutional investors and stable operational performance due to supportive policies [5].