记者丨叶麦穗 编辑丨包芳鸣 贵金属年内涨幅大幅回吐，此前涨势近乎抹平。 | 圆标贵全属 | | | | | | --- | --- | --- | --- | --- | | 名称 | 现价 | 涨跌 | 涨跌幅 | 年初至今 | | 伦敦金现 | 4774.630 | -120.488 | -2.46% | 10.57% | | 伦敦银现 | 83.558 | -1.701 | -1.99% | 16.74% | | COMEX黄金 | 4777.4d | 32.3 | 0.68% | 9.53% | | COMEX白银 | 82.210d | 3.679 | 4.68% | 15.82% | | 伦敦金(人民币/克) | 1065.8814 | -26.8976 | -2.46% | 9.87% | | 伦敦银(人民币/千克) | 18653.4108 | -379.6841 | -1.99% | 16.00% | | 现货铂金(美元/盎司) | 2118.40 | -46.10 | -2.13% | 2.83% | | 现货把金(美元/盎司) | 1727.62 | 16.62 | 0.97% | 7. ...

Core Viewpoint - Precious metals have experienced a significant price drop, nearly erasing previous gains, with gold and silver prices plummeting sharply in early February 2023 [1][3]. Price Movements - As of February 2, gold prices fell to a low of $4,402.06 per ounce, reducing the year-to-date gain from 30% to 4% [1] - Silver prices also saw extreme volatility, dropping to $71.312 per ounce, with year-to-date gains shrinking from 60% to approximately 4% [1] - On February 2, the precious metals sector declined by 10.81%, with a net outflow of 1.039 billion in principal funds [2]. Historical Context - The previous week marked the largest single-day drop in gold prices in 40 years, with gold falling over 12% to a low of $4,682 per ounce [3]. - Silver experienced a historic intraday drop of over 36%, reaching a low of $74.28 per ounce [3]. Retail Impact - The drop in gold prices has led to increased retail interest, with customers flocking to stores to purchase gold jewelry at lower prices [4]. Market Analysis - The price correction is attributed to the nomination of Kevin Walsh as the next Federal Reserve Chair, which strengthened the dollar and raised concerns about future liquidity [6]. - The rapid increase in gold prices prior to the drop led to a market correction as investors took profits [6]. - The long-term outlook for gold remains supported by potential economic weakness and ongoing global risks, despite short-term volatility [7]. Risk Management - In response to the price fluctuations, the Shanghai Gold Exchange and CME have raised margin requirements for gold and silver futures [8]. - Major banks have issued risk warnings and adjusted investment thresholds to mitigate potential losses for investors [9][10][11][12].

白银的波动更为剧烈，盘中一度跌至71.312美元/盎司，年内涨幅也从60%大幅收窄至4%左 右。紧随其后的是，各家机构紧急发布风险提示，交易所也上调了相关品种的保证金比例和涨 跌幅的幅度。 截至20:20，现货黄金、白银跌幅收窄。现货黄金跌幅从最多10%收窄至2%，现货白银跌幅从 最多16%收窄至2%。 | 国际贵会属 | | | | | | --- | --- | --- | --- | --- | | 名称 | 现价 | 涨跌 | 涨跌幅 | 年初至今 | | 伦敦金现 | 4774.630 | -120.488 | -2.46% | 10.57% | | 伦敦银现 | 83.558 | -1.701 | -1.99% | 16.74% | | COMEX黄金 | 4777.4d | 32.3 | 0.68% | 9.53% | | COMEX白银 | 82.210d | 3.679 | 4.68% | 15.82% | | 伦敦金(人民币/克) | 1065.8814 | -26.8976 | -2.46% | 9.87% | | 伦敦银(人民币/千克) | 18653.4108 | -379.6841 ...

Core Viewpoint - The market is experiencing adjustments, yet the Huatai-PineBridge Dividend Low Volatility ETF (512890) is seeing increased capital inflow, indicating strong investor confidence in this ETF despite broader market declines [1][3][11]. Group 1: ETF Performance and Market Context - On February 2, major indices fell over 2%, while the Huatai-PineBridge Dividend Low Volatility ETF closed down only 1.20% at 1.154 CNY, with a turnover rate of 3.32% and a total trading volume of 9.58 billion CNY, leading its category [1][9][10]. - Over the past five trading days, the ETF has seen a net inflow of 680 million CNY, with 2.38 billion CNY over the last 20 days and 4.26 billion CNY over the last 60 days, reflecting a growing preference for this investment vehicle [3][11]. Group 2: Fund Size and Liquidity - As of January 30, the Huatai-PineBridge Dividend Low Volatility ETF had 24.844 billion shares outstanding, corresponding to a total size of 28.966 billion CNY, with a year-on-year share growth of 9.06% and a size growth of 8.26% [5][13]. - The ETF has recorded a cumulative trading amount of 18.123 billion CNY over 21 trading days this year, averaging 863 million CNY per day, indicating robust liquidity [5][13]. Group 3: Investment Strategy and Market Outlook - The dividend low volatility strategy is characterized by its ability to navigate through market cycles, enhancing the risk profile of traditional high-volatility dividend strategies, making it particularly appealing in the current volatile market [5][13]. - Fund manager Liu Jun emphasizes that the dividend sector's allocation value is worth noting for Q1 2026, supported by both short-term and medium-term logic, with a favorable environment for risk appetite expected to emerge [14][15].

来源：WEMONEY研究室 一桩3.5亿元的诈骗案，历经一审、二审至最高院后，仍未尘埃落定。近日， 光大银行 长春 分行再次起诉招行无锡分行等5名被告，要求赔偿包括3.5亿元本金及1.39亿元资金占用费， 合计索赔总额为4.89亿元。 近日，一桩十年前的银行大案再掀波澜。 据锦龙股份（000712.SZ）披露，其控股子公司中山证券收到一份《应诉通知书》，其中，光大银行长 春分行作为原告，一股脑起诉了招商银行无锡分行、中山证券、平安银行深圳分行和深圳国民基金等5 名被告，要求连带赔偿3.5亿元本金，以及1.394亿元资金占用费，涉案金额高达4.89亿元。 据了解，事件起因是一桩3.5亿元的诈骗案，原被告双方历经多次开庭，反转再反转，至今仍未尘埃落 定。而此案的背后，牵扯出种种金融业违规操作，有公司法人诈骗3.5亿，有银行人员收2000万好处 费，有银行人员未识别伪造的"萝卜章"。 上半场：3.5亿诈骗案始末 时间回溯至2013年，吉林通化市柳河县聚鑫源米业公司的老板刘孝义（下称老刘），因巨额债务和炒期 货亏损，急需一笔资金翻身。经人介绍认识了光大银行长春分行的员工张磊（支行行长助理，下称老 张），试图申请3.5 ...

Core Viewpoint - The recent successful launches of satellites by China Merchants Bank and Shanghai Pudong Development Bank signify a strategic move by domestic commercial banks to leverage satellite technology for smart risk control and to gain a competitive edge in financial technology [1][2]. Group 1: Satellite Launches and Applications - China has seen three commercial banks successfully launch satellites, marking a significant step in the integration of satellite technology into the banking sector [1]. - The application of satellite remote sensing technology is expected to transform traditional credit risk management practices in banking, particularly in rural finance [2][3]. Group 2: Challenges in Traditional Banking - Traditional banking heavily relies on real estate as collateral, making it difficult to assess and manage risks associated with movable assets like agricultural products and commercial inventories [3]. - The challenges in rural finance include personnel shortages, remote locations, and lengthy processes, which hinder large-scale credit operations [3]. Group 3: Innovations in Rural Finance - The application of satellite remote sensing technology in rural finance began with the need to address agricultural monitoring challenges, leading to the development of digital asset assessments for farmers [4][5]. - In 2020, Ant Bank launched the "Dashanque" system, utilizing satellite imagery and AI to evaluate farmers' assets, thereby facilitating credit provision [4]. Group 4: Broader Applications of Satellite Technology - The use of satellite remote sensing technology is expanding beyond agriculture, with banks exploring its application in various sectors, including forestry and renewable energy projects [6][9]. - Major banks like Industrial and Commercial Bank of China and Bank of China are focusing on post-loan management using satellite technology to enhance risk prevention capabilities [7]. Group 5: Future Prospects and Market Potential - The integration of satellite remote sensing with IoT technology opens new avenues for monitoring movable assets, potentially addressing long-standing challenges in asset financing [10][12]. - The recent policy measures in Beijing indicate a growing recognition of the commercial satellite remote sensing data market, which could be worth trillions [11].

本期，南财理财通重点关注最低持有期人民币公募产品的业绩表现，按照90天、180天、365天持有期限分类对产品业绩进行排 名，业绩指标采用年化收益率，计算区间与持有期限相同，如90天持有期产品的业绩计算区间为近三月年化收益率，同机构同 系列同投资周期产品保留一只参与排名。 统计代销机构（28家）：工商银行、中国银行、农业银行、邮储银行（601658）、建设银行、交通银行、招商银行、中信银 行、光大银行、民生银行、兴业银行、浦发银行、广发银行、浙商银行（601916）、华夏银行、平安银行、恒丰银行、渤海银 行、北京银行、宁波银行、江苏银行（600919）、上海银行（601229）、南京银行、杭州银行（600926）、徽商银行、微众银 行、网商银行、百信银行。 需要特别提醒的是：本榜单对理财产品"在售"状态的判断基于其投资周期推算。但实际情况中，部分产品可能因额度售罄，或 银行针对不同客户展示的产品清单存在差异而无法购买。因此，建议投资者以代销银行APP的实际展示为准。 此外，南财理财通虽力求客观公正，但不对本评价榜信息的真实性、完整性和准确性作任何保证，排名信息仅供参考。 | | ZYHC24 | 幸福99卓越混 ...

本期，课题组重点关注理财公司发行的混合类产品，从代销渠道为投资者筛选出表现较优的在售产品。 为提供有效的选品参考，榜单展示了产品近一月、近三月及近六月的年化业绩，并按照近三月年化收益率进行排序，以此反映 其在近期市场波动中的多维度收益表现。 | 2 | EB1008 | 阳光橙优选基金宝 光大银行 | | 光大 | 72.0 | 26.1 | 42.2 | | --- | --- | --- | --- | --- | --- | --- | --- | | | | | | 理财 | 7% | 6% | 4% | | 3 | ZYHC24 | 幸福99卓越混合(多 | 杭州银行 | 杭银 | 82.6 | 24.4 | 29.6 | | | 05 | 元平衡)90天持有期 | | 理财 | 0% | 6% | 9% | | 4 | ZYHC23 | 幸福99 中華台(国 企红利精选FOF)10 杭州银行 | | 杭银 | 75.9 | 22.5 | 26.6 | | | 02 | 0天守有期 | | 理财 | 9% | 2% | 1% | | 5 | 100755 | 招智泓瑞多资产FO | 招商银行 | 招 ...

记者丨张欣 郭聪聪 编辑丨周炎炎 视频丨柳润瑛 "自上周五以来，来买卖黄金的人突然多了起来，昨天应该是人数最多的一天。" 北京市西城区 菜市口百货（以下简称"菜百"） 一位 销售人员向21世纪经济报道透露，近期金 价的大幅波动，吸引了大批市民涌入金店，而人气最旺的当属四楼的投资金条销售区。 作为北京黄金消费的风向标，"菜百"成为本轮黄金热潮的缩影。 2月2日，本报记者实地探访菜百门店，刚踏入大门就被扑面而来的火热氛围包围，各个楼层的 金饰柜台、回购窗口前都挤满了人，咨询声、讨论声交织在一起。 （"菜百"黄金回购处的情景，来源：21世纪经济报道记者张欣拍摄） 一位年逾50的阿姨向21世纪经济报道记者细数手中的黄金饰品，她打算将藏品全部变现， 其 中包括1995年购入的16克左右金项链，彼时买入价仅130元/克 ，还有2018年入手的黄金饰品 及耳环，部分耳环早已送给女儿佩戴。 "近期金价合适，看到北京到处都在排队卖金，我也想趁机变现，给孩子偿还房贷。"阿姨向本 报记者说道。 与此同时，当前国际金价正在上演过山车行情。2月2日下午，国际现货黄金价格一度跌破4450 美元/盎司，创下1月8日以来的新低，较日内高点回 ...

Group 1 - The banking sector saw a slight increase of 0.46% on February 2, with CITIC Bank leading the gains [1] - The Shanghai Composite Index closed at 4015.75, down 2.48%, while the Shenzhen Component Index closed at 13824.35, down 2.69% [1] - CITIC Bank's stock price rose by 2.64% to 7.38, with a trading volume of 1.1463 million shares and a transaction value of 845 million yuan [1] Group 2 - The net inflow of main funds in the banking sector was 162 million yuan, while retail funds saw a net inflow of approximately 89.95 million yuan [1] - CITIC Bank had a net inflow of 72.32 million yuan from main funds, but a net outflow of 18.99 million yuan from retail funds [1] - Minsheng Bank experienced a net inflow of 65.07 million yuan from main funds, with a net outflow of 30.58 million yuan from retail funds [1]