c , 洞见趋势 解读财富 2026/0202 2026/0208 哥报 ann 1975 L 1 2 图片来源:IC 拍 外 ·如何再造一个新广药? 董事长李小军透露了两个关键动作 戶信 未来五年将关闭80%现有门店并重新布局,所有新 开门店面积不得低于400平方米,重点打造以IP产品 七八五十八九十二日女『书人。十六 八仅小时 示四尔 胆级| J点。 名创优品创始人、董事会主席兼CEO叶国富 双 您 ·多名"金融副市长"赴省联社任职, 这一人事布局有何深意? 网 | ·农发行一副行长被查!在该行工作20余年 DEF ·林朝晖正式履新广发银行行长! 去年该行个人AUM突破万亿元 ·北京农商行新班子官宣: 白晓东升任董事长,田晖任行长 · 徐明杰正式履新招商银行首席风险官! 去年未该行不良率下降 · 恒健控股董事长唐军免职退休 ·郭川担任第一创业新任董事长 【头条】 马斯克团队考察光伏产业链？上市公司密集回应 对此，多家光伏产业链公司在回应中强调，目前并未与马斯克团队达成实质性合作，并提示"太空光伏"仍处早期阶段，投资者 应理性看待相关概念；且光伏调整期下公司业绩处于大幅下滑或亏损态势，提醒投资者审慎投资。 ...

（来源：工人日报） 目前，求职旺季已过，许多企事业单位的招聘流程进入体检环节。近日，一名在新加坡留学的毕业生在 网上晒出了6张自己两周内往返深圳和新加坡参加一单位包括差额体检环节招聘的机票。机票价格单程 1500元，总花费数千元，最后也没被录用。 文件明确，对外科、内科、胸透X线片等基本健康体检项目，高校毕业生近6个月内已在合规医疗机构 进行体检的，用人单位应当认可其结果，原则上不得要求其重复体检，法律法规另有规定的从其规定。 用人单位或高校毕业生对体检结果有疑问的，经协商可提出复检、补检要求。 该求职者的遭遇并非个例。当下，不少毕业生求职的背后，隐藏着一张差额体检的"账单"。来自湖北武 汉一高校毕业生张同学告诉记者："我通过一家银行的初面后，收到通知要求自费参加体检，体检通过 后才能参加下一环节的选拔。而只有确认入职以后，体检费用才能报销。" 所谓差额体检，就是招聘单位要求参加体检的人数大于单位实际录用人数。这种情况下，求职者即使通 过体检，也并不意味着会被录用。 求职者：差额体检成本高 记者采访发现，在差额体检制度下，多数求职者为了增加被录用概率，都会参加用人单位要求的体 检。"用人单位在最终环节设置了统 ...

Group 1 - The core viewpoint of the articles highlights the significant growth and popularity of FOF (Fund of Funds) products in the A-share market, driven by strong demand from bank clients for diversified asset allocation in a low-interest-rate environment [1][6][7] - Since the beginning of 2026, FOF products have seen a surge in issuance, with many products being sold out in just one day, indicating a robust market interest [2][3] - The total issuance scale of new FOF products in 2026 has reached approximately 300 billion yuan, a substantial increase compared to 61.29 billion yuan in the same period of 2025 [2][3] Group 2 - Major banks are actively promoting FOF products, with several banks creating FOF preferred pools to enhance product visibility and growth [4][5] - The collaboration between banks and fund companies has led to significant increases in FOF product sizes, with some products reaching nearly 100 billion yuan in scale [5][6] - The shift from "fixed income +" to "multi-asset allocation" reflects a broader trend in the FOF market, as new products increasingly incorporate diverse asset classes, including equities and commodities [6][7] Group 3 - The unique advantage of FOF products lies in their ability to diversify investments and improve the risk-return profile, making them attractive in the current market environment where traditional fixed-income assets are underperforming [7] - FOF products are positioned as essential tools for investors seeking stable returns and wealth preservation in uncertain market conditions [7][8] - The focus for FOF management in 2026 will be on diversified allocation to mitigate risks rather than solely pursuing returns from individual asset classes [7]

本报记者 彭妍 近期，部分银行相继上调存取款等动账短信通知的起点金额。例如，招商银行近日在官网发布公告称，自2026年3月16日 起，该行将优化账户变动短信通知服务。调整后，对未开通账户变动短信通知服务的客户，该行将不再发送单笔5000元（含） 以下的经人行大小额系统汇入汇款交易通知短信。招商银行提示，客户可通过招商银行App、个人银行PC版或网点渠道办理账 户变动短信通知服务，或通过招商银行App开通免费消息中心功能。 同日，平果国民村镇银行也通过微信公众号发布公告，自2026年2月10日起将个人账户短信通知交易金额起点调整至200元 （含）。对于调整原因，该行表示，此举是为向客户提供更优质的金融服务，同时顺应金融科技的发展趋势。 另据记者梳理，去年以来，已有包括中国银行、民生银行、广东华兴银行、湖北银行、甘肃银行等在内的十余家银行，陆 续提高了银行卡交易免费短信通知的门槛。 南开大学金融学教授田利辉在接受《证券日报》记者采访时表示，此类调整是推动渠道迁移的关键性市场信号，是通过价 格杠杆清晰地引导用户行为。传统短信通知模式作为外购、被动、单向的通信管道，正被银行自有、交互、可运营的数字化平 台所替代。长远 ...

海致科技集团 (招股中) 沃尔核材 新股活动 智通财经APP获悉，2026年2月9日，港股上市公司投资日志如下： 类别 公司 (招股中) 股东大会召开日 先导智能 (定价日) 澜起科技 (上市日) 业绩公布日 香港电讯-SS 盈大地产 中国平安 光正教育 国泰航空 中伟新材 高奥士国际 中国银河 百奥赛图-B 威高股份 辰林教育 正通汽车 招商银行 （派息日） 万邦投资 （派息日） 博富临置业 （除净日） 中信证券 （派息日） 分红派息 ...

前瞻 | 上市银行 2025 年年报： 业绩增速有望稳中向好，资产质量持续优化 评级： 增持（维持） 执业证书编号：S0740517030004 Email：daizf@zts.com.cn 执业证书编号：S0740519050002 Email：dengmj@zts.com.cn 分析师：杨超伦 执业证书编号：S0740524090004 Email：yangcl@zts.com.cn 3、《详解基金 4Q25 银行持仓：板块 提升 0.04pcts 至 2.08%》2026-01-25 银行 证券研究报告/行业专题报告 2026 年 02 月 07 日 风险提示：经济下滑超预期；研报信息更新不及时；政策落地不及预期。 请务必阅读正文之后的重要声明部分 | 上市公司数 | 42 | | --- | --- | | 行业总市值(亿元) | 146,116.35 | | 行业流通市值(亿元) | 139,898.72 | 1、《1 月金融数据前瞻： 预计新增 贷款 5.1-5.25 万亿元，社融增速为 8.3%》2026-02-07 2026-01-31 分析师：戴志锋 报告摘要 核心观点：1、十一家银行业绩快 ...

Fundraising Overview - The company issued 9,352,740 shares of common stock at a price of RMB 32.29 per share, raising a total of RMB 301,999,974.60 [1] - After deducting underwriting fees and other related expenses, the net amount raised was RMB 294,836,292.23 [1] Fund Management - The company has established a fundraising management system in compliance with relevant laws and regulations to ensure efficient use of funds and protect investor rights [2] - A tripartite supervision agreement was signed with the sponsor and banks to manage the raised funds [2] Fund Account Closure - The account used for the "Traditional Chinese Medicine Formula Granule R&D and Industrialization Project" was closed on February 4, 2026, after the funds were permanently transferred to working capital, leaving a balance of RMB 0.00 [2]

1月29日，2026年省级重点工程及重点民间投资项目融资推介会在太原举行。金融机构与15个重点项目 签署融资意向书，意向金额超230亿元，涉及交通、能源、环保、文旅等多个领域。 项目与金融机构推介环节，4家企业介绍了抗癌新药研发、光存储生态等科创绿色项目，国家开发银 行、工商银行、中国银行、浦发银行、山西银行等5家金融机构积极推出专项融资方案，助力重点工程 落地生效。 会议由省发展改革委、省地方金融管理局、省民营经济发展局联合主办，省项目推进中心承办。以"优 化金融要素保障 服务重大项目建设"为主题，会议紧扣省委省政府"重大项目建设年行动"部署，旨在为 全年稳增长注入强劲金融动能。350余位参会嘉宾通过政策解读、项目推介、集中签约、业务培训等环 节，打通信息壁垒，凝聚合作共识。 业务培训环节特别邀请了国家发展改革委专家徐鹏、招商银行专家陆媛分别解读宏观经济政策与新型融 资工具，为项目建设提供理论指导与实践借鉴。（记者姚毅） 据介绍，2026年我省推出629项省级重点工程，总投资超2.4万亿元，年度计划投资2829.3亿元。省发展 改革委相关部门负责人表示，将以更大力度、更实举措推动重大项目建设和民间投资增长。 ...

Core Viewpoint - The recent fluctuations in the gold market have been dramatic, with significant price drops and increased volatility, prompting banks to issue risk warnings and adjust their precious metal business rules [1][3][5]. Group 1: Market Dynamics - On January 30, 2026, international gold prices fell sharply, with spot gold dropping below $4,700 per ounce, marking a nearly 10% decline, the largest single-day drop in 40 years [1]. - The volatility in gold prices is attributed to multiple factors, including political pressures on Trump, fiscal expansion, a weakening dollar, and a resurgence of liquidity in the market [3]. - The recent surge in gold prices had exceeded normal macro pricing rhythms, leading to concentrated positions and leverage among investors, which triggered a chain of sell-offs when market sentiment shifted [3][5]. Group 2: Geopolitical and Economic Influences - Geopolitical factors have also played a role, with a significant drop in gold prices on October 21, 2025, attributed to easing geopolitical tensions, particularly regarding the Ukraine conflict [5]. - A strengthening dollar has further suppressed gold prices, as the appreciation of the dollar increases the cost of purchasing gold for investors holding other currencies [5]. - The rapid rise in gold prices has led to a desire among investors to take profits, contributing to increased short-term volatility [3][7]. Group 3: Banking Sector Response - Major banks in China, including ICBC, CCB, and ABC, have issued multiple risk warnings and adjusted their gold accumulation business rules in response to market volatility [5][7]. - Banks have raised the minimum investment amounts for gold accumulation and emphasized the need for investors to operate cautiously based on their risk tolerance [7][10]. - Despite the banks' warnings, the demand for physical gold remains high, with many investment gold bars reported as "out of stock" or "sold out" [7][8]. Group 4: Investor Behavior and Market Sentiment - Investor behavior has shown a divide, with some viewing the price drop as a buying opportunity while others remain cautious due to potential further volatility [10][16]. - The market sentiment has shifted rapidly, with some investors feeling the urge to "catch the bottom," which poses operational risks during high volatility periods [16]. - The gold market's performance in 2025 saw prices rise from under $2,700 per ounce at the beginning of the year to over $4,500 per ounce by year-end, driven primarily by investment demand [12].

来源：徒步滚雪球 中波固收+，对于能容忍一定波动的同学来说，是非常适合配置的"压舱石"，等于是余额宝ProMAX。 去年12月，我更新了一次中波固收+文章，后来也在天天基金上尝试构建固收组合，计划把股赚的钱，往固收中转，也方便大家作业。 有朋友反馈这个好，感觉是值得坚持下去的事情。 上次更新到现在，已经有2个多月了，继续更新一波。 一、中波固收+的定义 根据权益仓位占比的不同，中波固收+产品权益仓位10%-20%，根据券商算法转债仓位按照40%折算权益仓位。 | 类型 | 权益仓位区间 | 主要产品类型 | 特征 | | --- | --- | --- | --- | | 低波 | ＞0％目＜10％ | 一级债基 | 以债券资产为主,权益占比较 低, 波动小、防御性强, 追求 | | | | | 稳健收益 | | 中波 | >10%且≤20% | 多数二级债基、 偏債混合基金 | 债券打底、权益适度增强,攻 守兼备,是市场上比较主流的 | | | | | 固收+类型 | | 高波 | >20% | 部分弹性较大的 偏债混合基金、 | 股票敞口较高,具备较强进攻 性与收益弹性,风险同步提升 | | | | 灵活 ...