转自：地产房剑 文 | 赵青芝 当大家还把目光聚焦在住宅项目价格涨跌多少时，实际上西安有不少企业转向了新的领域，譬如写字楼 租赁运营。最近有一西安房产中介豪掷近千万元溢价布局，这一点着实打破了市场的认知。但写字楼租 赁运营，机遇与挑战并存。 溢价率4.47%，961万拍下！ 值得一提的是，该楼栋对于租金支付要求每半年支付一次。另外，年租金前4年不变，第五年年租金比 上一年增长3%，第六年、第七年的年租金与第五年保持一致，第八年年租金比上一年增长3%，第九 年、第十年的年租金与第八年保持一致，最终十年的租金金额合计为98745580.92元，将近1个亿。 根据工商资料显示，西安优居汇房地产营销策划有限公司成立于2017年3月，至今成立近9年，所属行业 为房地产业，为非居住房地产租赁。该公司做的是写字楼租赁运营，将空置的写字楼整租回来然后返 租，赚取差价。事实上，目前西安有不少公司在写字楼租赁运营。 写字楼租赁运营的机遇与挑战 纵观此次溢价成交的写字楼浙商银行股份有限公司西安分行大楼为泰华金贸国际其中的一栋。 泰华金贸国际是位于高新区沣惠南路与科技二路交汇处西南角的大型商务综合体，总建筑面积约40万平 米，定位为 ...

1月23日，中央纪委国家监委官网通报：中国建设银行浙江省分行原党委书记、行长高强被开除党籍。 据中央纪委国家监委驻中国建设银行纪检监察组、北京市纪委监委消息：日前，中央纪委国家监委驻中国建设银行纪检监察组、北京市通州区监委对中国 建设银行浙江省分行原党委书记、行长高强严重违纪违法问题进行了立案审查调查。 经查，高强存在以下问题： ●丧失理想信念，背弃初心使命，对抗组织审查，转移、隐匿证据； ●无视中央八项规定精神，收受可能影响公正执行公务的礼品、礼金、消费卡；违反组织原则，违规为他人谋取人事方面利益并收受财物； ●廉洁底线失守，违规向从事公务的人员赠送礼品，违规从事营利活动，离职后违规任职取酬；违反生活纪律，长期打牌赌博； ●贪欲膨胀，利用职务便利为他人在贷款融资等方面谋取利益，并非法收受巨额财物。 通报指出，高强身为国有金融机构党员领导干部，纪法意识淡漠，甘于被"围猎"，在职期间以贷谋私、以股谋利，离职后以"工资""顾问费"等名义敛财， 搞银企"旋转门"式腐败，严重违反党的政治纪律、组织纪律、廉洁纪律、生活纪律，构成严重职务违法并涉嫌受贿犯罪，且在党的十八大、十九大后不收 敛、不收手，甚至在党的二十大后仍不 ...

Investment Rating - The industry investment rating is "Buy" [2] Core Insights - The report provides a comprehensive analysis of 127 regional banks in Jiangsu Province, highlighting their asset and liability structures, profitability, and asset quality [6][18] - Jiangsu's regional banks have shown a significant increase in asset growth, with major city commercial banks growing at 19.4%, surpassing the growth of listed city commercial banks at 14.2% [24][26] - The report indicates that the loan-to-asset ratio for city commercial banks is projected to reach 48.4% in 2024, reflecting a gradual increase in lending activities [30] - Jiangsu's regional banks exhibit better return on assets (ROA) compared to listed banks, with city commercial banks outperforming by 16 basis points and rural commercial banks by 9 basis points [6][42] - The asset quality of Jiangsu's regional banks is superior to that of listed banks, with lower non-performing loan ratios and higher provision coverage ratios [6][42] Summary by Sections 1. Economic Structure of Jiangsu Province - Jiangsu Province is focusing on new industrialization and strategic emerging industries, with significant contributions from cities like Nanjing and Suzhou [13][14] 2. Overview of 127 Regional Banks in Jiangsu - The report categorizes the banks into city commercial banks, rural commercial banks, and others, with a total of 127 banks established between 2006 and 2015 [18][20] 3. Asset/Liability Structure - The asset growth of major city commercial banks is accelerating, while rural commercial banks are experiencing a decline in growth rates [24][26] - The loan-to-asset ratio for city commercial banks is expected to increase to 48.4% by 2024, indicating a shift towards more lending [30] 4. Profitability - Jiangsu's regional banks have a higher ROA compared to listed banks, with city commercial banks showing a 16 basis point advantage [6][42] 5. Asset Quality/Capital Levels - Jiangsu's regional banks maintain a lower non-performing loan ratio compared to listed banks, with city commercial banks having a 30 basis point lower ratio [6][42]

证券之星消息，1月23日股份制银行板块较上一交易日下跌0.99%，中信银行领跌。当日上证指数报收于 4136.16，上涨0.33%。深证成指报收于14439.66，上涨0.79%。股份制银行板块个股涨跌见下表： 以上内容为证券之星据公开信息整理，由AI算法生成（网信算备310104345710301240019号），不构成投资建议。 从资金流向上来看，当日股份制银行板块主力资金净流出12.22亿元，游资资金净流出1.24亿元，散户资 金净流入13.46亿元。股份制银行板块个股资金流向见下表： | 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 | 8006.70万 | 5.74% | -435.47万 | -0.31% | -7571.23万 | -5.43% | | 600016 | 民生银行 | 5879.42万 | 6.38% | 1650.86万 | 1.79% | -7530.28 ...

该基金属于偏股混合型基金。截至1月22日，单位净值为1.168元。基金经理是王喆和杜超，目前共同管理的2只基金近一年均为正收益。其中，截至1月22 日，国联匠心优选混合A近一年复权单位净值增长率最高，达40.67%；国联高股息混合A最低，为11.3%。 基金管理人在四季报中表示，股票市场方面，四季度呈现明显的震荡特征，结构性行情较为活跃，中小市值与成长板块波动加大。以科技创新和新质生产力 为代表的方向，在政策预期与产业进展的阶段性催化下反复表现，但行情持续性更加依赖盈利与现金流的验证。我们在交运、银行、电力及公用事业等高股 息行业进行重点配置。 截至1月22日，国联高股息混合A近三个月复权单位净值增长率为0.53%，位于同类可比基金578/621；近半年复权单位净值增长率为2.29%，位于同类可比基 金587/621；近一年复权单位净值增长率为11.30%，位于同类可比基金592/613；近三年复权单位净值增长率为2.83%，位于同类可比基金384/535。 通过所选区间该基金净值增长率分位图，可以观察该基金与同类基金业绩比较情况。图为坐标原点到区间内某时点的净值增长率在同类基金中的分位数。 AI基金国联高股 ...

Core Viewpoint - The AI Fund Guolian Jingsheng One-Year Holding Mixed A (011353) reported a profit of 1.6421 million yuan for Q4 2025, with a weighted average profit per fund share of 0.013 yuan. The fund's net value growth rate was 1.18%, and its total scale reached 129 million yuan by the end of Q4 [3]. Fund Performance - As of January 22, the fund's three-month cumulative net value growth rate was 2.13%, ranking 317 out of 629 comparable funds. The six-month growth rate was 2.25%, ranking 492 out of 629. The one-year growth rate was 4.30%, ranking 519 out of 626, and the three-year growth rate was 10.47%, ranking 330 out of 564 [4]. - The fund's three-year Sharpe ratio was 0.7898, ranking 198 out of 542 comparable funds [7]. - The maximum drawdown over the past three years was 2.43%, with a ranking of 40 out of 527 comparable funds. The largest single-quarter drawdown occurred in Q1 2022, at 5.34% [10]. Investment Strategy - The fund employs a relatively conservative bond allocation strategy, focusing on credit risk control and selective bond picking. The management team adjusts the portfolio leverage and duration based on market changes while considering liquidity and yield [3]. - The average stock position over the past three years was 3.56%, significantly lower than the comparable average of 19.2%. The fund reached a peak stock position of 23.33% at the end of 2021 and a minimum of 0.21% at the end of Q1 2024 [13]. Fund Holdings - As of December 31, the fund's top ten holdings included Huaxin Cement, Sinopec Engineering, WH Group, CITIC Bank, Chongqing Rural Commercial Bank, China Lonking, Qingdao Port, China Telecom, Zheshang Bank, and COSCO Shipping [18].

浙商银行将努力缩短受影响时间，系统维护后如果您在业务办理过程中遇到疑问，请垂询浙商银行24小 时客户服务热线95527。由此给您带来的不便，敬请谅解。 2026年1月23日，浙商银行（601916）发布公告称，为了能向您提供更加优质的服务，浙商银行将分别 于2026年2月4日和2月6日0:10至3:00进行计算机系统维护，请您知晓并提早进行准备。 2月6日0:10至3:00维护期间，浙商银行手机银行服务将有2次瞬断影响，届时请稍后再试。 2月4日0:10至3:00维护期间，浙商银行网上银行、手机银行、微信银行、微信小程序、银企直连、收付 通、数字人民币、外汇业务、贵金属（含财富金积存）业务、第三方支付等电子渠道业务（包含通过 OpenAPI方式调用行内服务、余额查询、回单查询和打印等），ATM取现转账和POS消费业务、无卡线 上办理等自助业务，个人借记卡和信用卡（含申请、分期等）业务、跨行转账、智慧大额存单查询、云 账通、贷款、理财等业务将出现短时间服务中断现象，其中涉及银联服务的将在0:30-1:00停止服务。通 过短信或者手机银行APP发送的消息通知（含动账交易、余额变更、登录或支付验证码等）可能出现发 ...

Core Viewpoint - The company has approved the issuance of various types of debt financing instruments for 2025, including corporate bonds, short-term financing bonds, and perpetual bonds, among others [1] Group 1: Debt Financing Approval - The company's board approved the issuance of non-financial corporate debt financing tools at meetings held on April 17, 2025, and May 9, 2025 [1] - The types of debt financing instruments include corporate bonds, enterprise bonds, short-term financing bonds, and others, with issuance methods including public and private placements [1] Group 2: Recent Bond Issuance - The company has completed the issuance of its 2026 second phase of technology innovation bonds, amounting to 500 million RMB, with a term of 2 years and an interest rate of 2.63% [1] - The bonds were underwritten by CITIC Bank and Zheshang Bank, and were publicly issued in the national interbank bond market [1] - The funds raised from this bond issuance will be used to repay the company's interest-bearing liabilities [1]

Core Insights - Gold prices have been on the rise since 2025, leading to a surge in demand for gold-linked structured deposit products from various banks, with some products offering annualized returns as high as 8% [1] Group 1: Product Offerings - Multiple banks have launched gold-linked structured deposit products, with variations in minimum investment, duration, and yield, resulting in some popular products being sold out [1] - China Bank introduced a product with a minimum investment of 10,000 yuan and a term of 87 days, offering an annualized yield ranging from 0.2% to 5.2% [2] - Other banks, such as the Bank of Communications and Minsheng Bank, have also released competitive products with varying yields and investment thresholds [2] Group 2: Market Trends - As of December 2025, the balance of structured deposits in Chinese banks reached 4.25 trillion yuan, marking a year-on-year growth of 6.01%, with unit structured deposits accounting for 69.49% of the total [3] - The trend of companies investing in structured deposits has increased, with numerous A-share companies announcing investments in gold-linked products [3] Group 3: Investment Appeal - The popularity of structured deposits is attributed to their dual advantages of capital protection and higher returns compared to traditional savings, especially in a low-interest-rate environment [4] - The rising gold prices, driven by its safe-haven and anti-inflation properties, have made gold-linked structured deposits attractive for investors seeking to capitalize on market gains [5]

当大家还把目光聚焦在住宅项目价格涨跌多少时，实际上西安有不少企业转向了新的领域，譬如写字楼租赁运营。 最近有一西安房产中介豪掷近千万元溢价布局，这一点着实打破了市场的认知。 但写字楼租赁运营，机遇与挑战并存。 01 溢价率4.47%，961万拍下！ 陕西公共资源交易中心近日发布的一份成交公告信息，引发了我们的注意。 2026年1月14日，《浙商银行股份有限公司西安分行大楼冗余楼层17039.68㎡10年期整体房屋出租成交公告》在陕西公共资源交易中心发布。 | | | | | | | 坝力保护色: ■■■■■■ | | | --- | --- | --- | --- | --- | --- | --- | --- | | | | | | | 评估价 | 接腰价 | 成交价格 | | 交易标的 | 转让方 (元/年) | 受让方 | 代理机构 | 交易方式 | (元/年) | | (元/年) | | 浙商银行股份 有限公司西安 | | 西安优居汇 | | | | | | | 分行大楼冗余 | 浙商银行股份 | 瑞柳礼景做 | 陕西省公共 | | | | 9612427. 2 | | 楼层17039.68 | 有限 ...