□ 挂钩黄金结构性存款的核心风险在于"收益不确定性"。如果黄金价格走势不满足设定条件，投资者最 终获得的可能是较低保证收益率。 □ 针对近日金价的巨幅波动，已有大型银行对包括黄金积存业务在内的贵金属投资发出风险提示，提醒 投资者合理控制仓位，防范价格波动风险。 近期，国际金价上演剧烈震荡行情，与黄金相关的多类金融产品一路走高。特别是挂钩黄金结构性存 款，凭借较低的起存金额和较高的预期年化收益率受到投资者青睐。 当前，不少银行推出多款相关产品。比如，交通银行推出稳添慧系列挂钩黄金结构性存款，挂钩标的 为"上海黄金交易所黄金AU99.99合约收盘价"，年化收益率区间为0.5%至3.2%；招商银行发行多款挂钩 黄金结构性存款，起存金额1万元至30万元，预计到期年利率1%至1.78%。此外，部分外资银行也推出 与黄金价格挂钩的结构性存款产品。 国家金融与发展实验室副主任曾刚认为，投资者首先要评估自身风险承受能力和投资目标，选择与个人 风险偏好相匹配的产品，结构性存款适合稳健型投资者，而非追求高收益的激进型投资者；其次要关注 产品核心要素：仔细研究收益结构设计，包括保底收益率、中档和高档收益触发条件、挂钩标的类型 （黄 ...

去年12月，交通银行宣布完成总行层面的财富管理业务整合，正式成立"财富管理部"，在全行范围统筹 个人财富管理业务。邮储银行也于去年战略性组建财富管理部，在总行层面新设了"财富管理部"。今年 初，浦发银行也欲将财富管理业务独立出来。 这些动向都意味着，当下财富管理正在被推至银行整体经营体系中更加重要的位置。 张大伟 制图 ◎记者 黄坤 步入2026年，一场银行营收保卫战自财富管理业务悄然展开。 近期，多家银行在总行层面单设或整合财富管理部门，将原本分散在零售、个金等条线中的相关职能集 中统筹。此番"动刀"向外界传递出的信号是：财富管理独立性升级，从银行部门业务上升为能跨条线协 同、统筹资源的全行系统工程。 作为轻资本业务的财富管理，能为银行带来可观的中间收入，过去有不少银行已将其作为战略性业务， 但何以在2026年前后地位突然进阶、纷纷加码？分析其原因，多重因素交织，使得财富管理业务愈发重 要。而其进一步向"客户为中心"转型，成为银行间比拼业绩增长的关键。 地位进阶 架构变阵 这场调整大戏从国有大行开始。 这一趋势并不局限于大型银行，城农商行同样抬升了财富管理业务地位。青农商行在接受调研时表示， 2026年将聚 ...

近期，沪市公司集中派发"现金红包"，掀起春节前分红热潮。据上海证券报记者了解，这也是沪市公司 积极响应"春节前分红"号召，以实际行动践行现金分红的稳定性、常态化。 数据显示，在2026年春节长假到来前的最后6个交易日内，兴业银行、中信证券、长江电力在内的近20 家公司将合计派发约258亿元的"现金红包"。拉长时间线来看，从2025年12月起至2026年春节前，沪市 公司合计发放的分红金额将突破3476亿元，有望冲击3500亿元大关，较上年同期的3000亿元再上新台 阶。截至2月5日，上述现金分红已发放3218亿元。 ◎记者 何昕怡 放眼整个银行业的中期分红情况，6家国有大行发放的"红包"金额稳居前列，共计派发中期现金红利 2046.57亿元，分红比例均超过30%，工商银行的中期分红更是高达503.96亿元。 沪市公司稳健经营积极派现 数据显示，截至2月5日，沪市春节前分红已累计发放3218亿元。记者发现，许多传统行业公司在春节前 积极以丰厚分红回馈投资者，包括长江电力、达仁堂等在内的多家公司将在春节前最后一周内发放现金 红包。这批公司通过夯实主业、提升经营质量、完善分红机制，展现出沪市上市公司高质量发展的鲜明 ...

2026.02.05 本文字数：1126，阅读时长大约2分钟 作者 |第一财经 黄思瑜 春节前最后几个交易日里，近20家沪市公司将合计发放258亿元春节红包。从2025年12月起至春节前， 沪市合计发放的分红金额合计将突破3476亿元。 在业内看来，银行股在分红节奏和分红频次上的变化，成为"春节前分红"政策落地的一个直观体现，让 投资者更早、更清晰地看到现金回报，无疑是一种对于投资者持股感受的提升与优化。 除了银行业外，还有较多传统行业公司在春节前向投资者发放现金红包，包括长江电力 （600900.SH）、达仁堂（600329.SH）等在内的多家公司将在春节前最后一周内发放现金红包。 其中，长江电力将于2月12日发放2025年中期分红，合计派发超过51亿元。该公司自2016年在国内率先 做出10年期高比例现金分红承诺。根据承诺，2016年至2020年每年每股现金分红不低于0.65元；2021年 至2025年每年现金分红比例不低于当年净利润的70%。近五年，长江电力现金分红金额总计达976.90亿 元。 2月4日晚间，达仁堂也发布了2025年季度权益分派实施公告，将每股派发现金红利2.45元（含税），共 计派发 ...

Core Viewpoint - The article highlights the significant cash dividends being distributed by companies in the Shanghai stock market, particularly focusing on the banking sector, which is leading the trend of pre-Spring Festival cash distributions to investors [3][4]. Group 1: Cash Dividends Distribution - Nearly 20 companies in the Shanghai market are set to distribute a total of 25.8 billion yuan in cash dividends before the Spring Festival [3]. - From December 2025 to the pre-Spring Festival period, the total cash dividends distributed by the Shanghai market will exceed 347.6 billion yuan, with 321.8 billion yuan already distributed by February 5 [3]. - Industrial Bank is set to distribute over 11.9 billion yuan in cash dividends to A-share investors, with a per-share cash dividend of 0.565 yuan (tax included) [3]. Group 2: Banking Sector Performance - The banking sector is the main contributor to cash distributions, with nine banks, including Industrial Bank, Jiangsu Bank, and China Merchants Bank, announcing a total of nearly 70 billion yuan in cash dividends for the first half of 2025 [3][4]. - China Merchants Bank announced a cash dividend of approximately 25.5 billion yuan (tax included) for A+H shares, with a distribution ratio of 35% [3]. Group 3: Other Industries - Other traditional industries are also participating in cash distributions, with companies like Yangtze Power and Da Ren Tang planning to issue cash dividends before the Spring Festival [4]. - Yangtze Power will distribute over 5.1 billion yuan in cash dividends on February 12, having committed to a high cash dividend ratio since 2016 [4]. - Da Ren Tang announced a cash dividend of 2.45 yuan per share (tax included), totaling 1.887 billion yuan, with a cumulative cash dividend of 5.117 billion yuan since its listing [5]. Group 4: Regulatory Environment and Investor Sentiment - Industry insiders note that the continuous strengthening of cash dividend regulations and disclosure requirements by regulatory authorities is enhancing shareholder return awareness among listed companies [6]. - Investors are increasingly inclined to choose companies that can withstand economic cycles and are willing to consistently return value to shareholders, marking a significant trend in value investing [6].

1月16日，招商银行首次向A股投资者洒下中期"红包雨"。本次招行春节前分红A股每股派现1.013元 （含税），A+H股合计派发现金红利约255.48亿元（含税），其中派发A股现金红利约208.97亿元（含 税），分红比例更是达到35%。 中经记者 孙汝祥 夏欣 北京报道 2026年2月6日，兴业银行超119亿元分红将会发放给A股投资者，意味着公司在春节前"红包"即将发放 完毕。 有关数据显示，在春节长假前的未来6个交易日中，包括兴业银行在内的近20家沪市公司合计将有258亿 元的现金分红到账。 而从2025年12月起至2026年2月5日，沪市春节前分红已累计发放3218亿元；到春节前，合计发放分红金 额将突破3476亿元，接近3500亿元，较之上年同期的3000亿元再上台阶。 业内人士表示，随着监管层持续强化现金分红约束和信息披露要求，上市公司股东回报意识不断增强， 沪市正在逐步形成以经营质量支撑股价、以分红机制稳定预期的良性生态。对投资者而言，选择那些既 能穿越周期，又愿意持续回馈股东的公司，正成为价值投资的重要路径。 记者注意到，银行成为春节前派现的绝对主力。2026年1月以来，兴业银行、江苏银行、邮储银 ...

300ESGETF华夏（159791）业绩比较基准为沪深300ESG基准指数收益率，管理人为华夏基金管理有限 公司，基金经理为张金志，成立（2022-02-24）以来回报为11.29%，近一个月回报为1.62%。 声明：市场有风险，投资需谨慎。本文基于第三方数据库自动发布，不代表新浪财经观点，任何在本文 出现的信息均只作为参考，不构成个人投资建议。如有出入请以实际公告为准。如有疑问，请联系 biz@staff.sina.com.cn。 来源：新浪基金∞工作室 2月5日，截止午间收盘，300ESGETF华夏（159791）跌0.09%，报1.104元，成交额3.71万元。 300ESGETF华夏（159791）重仓股方面，贵州茅台截止午盘涨1.41%，中际旭创涨0.89%，宁德时代跌 1.93%，招商银行涨1.03%，中国平安跌1.16%，美的集团涨1.27%，长江电力涨0.49%，紫金矿业跌 5.29%，兴业银行涨0.89%，比亚迪涨0.98%。 ...

Group 1 - The company specializes in the production of aluminum plates and foils, leveraging its abundant aluminum resources and electricity advantages, with applications in daily aluminum products, machinery manufacturing, and architectural decoration [1] - The company has achieved stable operational scale through an order-based production model, generating over 10 million USD in annual export revenue, primarily to Southeast Asian countries like Singapore [1] - The company faces potential risks from fluctuations in the USD exchange rate, holding over 1 million USD in idle foreign exchange while needing to meet overseas procurement demands in six months, creating a dual need for foreign currency payments and domestic operating funds [1] Group 2 - China Merchants Bank's Liaocheng branch provided a foreign exchange swap solution tailored to the company's needs, combining near-term spot exchange and long-term forward purchase to lock in exchange rate costs and mitigate risks [2] - As an example, the company exchanged 1 million USD at a spot rate of 7.0, receiving 7 million RMB for daily operations, while agreeing to purchase 1 million USD at a forward rate of 6.94 in six months, ensuring timely availability of domestic funds and controllable foreign payment risks [2] - The company has recognized the benefits of the foreign exchange swap business, which is particularly suitable for foreign-related enterprises facing short-term RMB funding needs and future foreign currency payment requirements, leading to a win-win situation for both the company and the bank [2]

2月5日，A股市场整体下跌。 截至收盘，上证指数收报4075.92点，下跌0.64%，深证成指收报13952.71点，下跌1.44%，创业板 指数收报3260.28点，下跌1.55%，北证50指数下跌2.03%。 1. A股市场全天主力资金净流出579.46亿元 今日A股市场主力资金开盘净流出229.06亿元，尾盘净流出56.76亿元，全天净流出579.46亿元。 | | | 沪深两市近五日主力资金流向情况(亿元) | | | | --- | --- | --- | --- | --- | | 日期 | | 净流入金额 开盘净流入 | | 尾盘净流入 超大单净买入 | | 2026-2-5 | -579.46 | -229.06 | -56.76 | -314. 15 | | 2026-2-4 | -591.69 | -303.66 | 2. 50 | -326. 41 | | 2026-2-3 | 16.49 | 50. 22 | 20. 19 | 105. 03 | | 2026-2-2 | -539.77 | -143. 20 | -157. 11 | -384. 36 | | 2026-1-30 | ...

Group 1 - The total cash dividends distributed by nearly 20 companies in the Shanghai market before the Spring Festival will amount to 25.8 billion yuan, with the total dividends expected to exceed 347.6 billion yuan by the end of 2025 [1] - As of February 5, 2025, 321.8 billion yuan has already been distributed, with Industrial Bank set to distribute over 11.9 billion yuan on February 6, 2025, at a rate of 0.565 yuan per share (tax included) [1] - The banking sector is the main contributor to cash distributions before the Spring Festival, with nine banks announcing a total of nearly 70 billion yuan in dividends for the first half of 2025 [1] Group 2 - The change in the dividend rhythm and frequency among bank stocks reflects the implementation of the "pre-Spring Festival dividend" policy, enhancing investor experience by providing clearer cash returns [2] - Traditional companies, including Yangtze Power and Darentang, are also distributing cash dividends before the Spring Festival, with Yangtze Power set to distribute over 5.1 billion yuan on February 12, 2025 [2] - Darentang announced a cash dividend of 2.45 yuan per share, totaling 1.887 billion yuan, with a cumulative cash dividend of 5.117 billion yuan since its listing in 2001 [2] Group 3 - Jianfa Co. announced a cash dividend of 2.00 yuan per 10 shares, totaling approximately 579.9 million yuan, which accounts for 50.49% of its net profit for the first three quarters of 2025 [3] - The continuous strengthening of cash dividend regulations and disclosure requirements by regulatory authorities is enhancing shareholder return awareness among listed companies [3] - Investors are increasingly focusing on companies that can withstand economic cycles while consistently returning value to shareholders, marking a significant path for value investment [3]