低空经济，是以各种有人驾驶和无人驾驶航空器的各类低空飞行活动为牵引，辐射带动相关领域融合发展的综合性经济形态。2021年2月，中共中央、 国务 院在 《国家综合立体交通网规划纲要》 中首次提出发展低空经济2023年12月，中央经济工作会议将低空经济明确为国家战略性新兴产业2024 年3月，《政 府工作报告》 首次写入低空经济2024年7月，党的二十届三中全会通过的决定中首次写入 "低空经济" 本文参考孙嘉俊等（2025）在《"赋能" 抑或 "负能"：企业ESG表现与低空经济企业孵化》一文中关于低空经济概念上市企业名单的整理方法，筛选并整理 了截至2025年12月低空概念上市企业名单，匹配形成上市公司"低空经济"概念数据 数据名称：上市公司"低空经济"概念数据 数据范围：A股上市公司 时间范围：2000-2024年 样本数量：68852条 数据来源：东方财富网、同花顺网 数据说明：低空概念名单整理时间为2025年12月 二、数据指标 | 年份 | 股票代码 | 股票简称 | | --- | --- | --- | | 中文全称 | 行业名称 | 行业代码 | | 首份 | 城市 | 区首 | | 省份代码 | ...

Group 1 - The core point of the article highlights the latest gold and platinum prices from various jewelry stores and banks in China as of December 12, 2025, indicating a range of prices for consumers to consider [12][11][1]. Group 2 - The latest price for 24K gold (千足金) from Shui Bei Gold is reported at 1106 yuan per gram [2]. - Major brands such as Chow Tai Fook, Chow Sang Sang, and others have set their 24K gold prices at 1328 yuan per gram [3][4][5][6][7][10]. - The prices from Lao Feng Xiang and Lao Miao Gold are slightly lower at 1325 yuan per gram [8][9]. - China Gold offers a competitive price of 1232 yuan per gram for 24K gold [11]. Group 3 - The latest RMB gold price on the Shanghai Gold Exchange is reported at 950.00 yuan per gram, showing a slight decrease of 1.13 yuan or 0.119% from the previous trading day [13]. Group 4 - The gold bar market shows varying prices, with China Construction Bank quoting 969.2 yuan per gram, an increase of 2.90 yuan from the previous day [14]. - Industrial and Agricultural Banks report prices of 971.52 yuan and 980.05 yuan per gram respectively, with slight increases [15][16]. - The Shanghai Gold Exchange reports a drop in gold bar prices to 955 yuan per gram, down by 7.00 yuan [19]. Group 5 - The silver market remains stable, with prices for investment silver bars reported at 13.00 yuan per gram by Jin Yin Jie and 13.50 yuan by Bao Quan Qian Bi [21][22]. - The price for silver from Zhong Chao Guo Ding remains unchanged at 7.43 yuan per gram [23]. Group 6 - The domestic gold futures market shows the main contract (AUM) at 958.72 yuan per gram, with a slight increase of 1.42 yuan [27]. - Other contracts such as AUS and AU2601 also show minor fluctuations, indicating a stable trading environment [28][29]. Group 7 - The article discusses the potential for gold prices to rise following a significant increase in silver prices, with technical indicators suggesting a bullish trend for gold [34][35]. - The disparity in volatility between silver and gold creates opportunities for investors, particularly in the options market, as traders seek to capitalize on the rising silver prices [35].

转自：北京日报客户端 2025年，在持续宽松的政策环境下，我国房地产多项核心指标降幅有所收窄并出现逐步企稳的迹象，但 是受市场预期和库存压力等因素影响，市场总体仍然偏弱。2026年是"十五五"规划开局之年，房地产如 何发展，对国民经济和社会发展将产生至关重要的影响。 时值岁末，各家证券研究机构陆续推出对2026年房地产市场走势的研判。多数机构认为，2026年房地产 市场将整体趋稳，核心城市优质资产有望在政策优化与需求支撑下率先企稳，而低能级城市仍面临去化 压力。行业发展逻辑从"增量扩张"转向"存量优化"，保障性住房、城市更新、"好房子"建设等领域成重 要发展方向。随着政策端的持续呵护与实体经济的回暖，未来基本面将大概率实现企稳。 平安证券：政策延续呵护 2025 年全国楼市先扬后抑， 预期偏弱与库存高企为政策未见明显成效主因，需求端受房价及收入预期 影响，居民加杠杆意愿不强；供给端开工未售去化周期仍处于高位。同时"好房子"对旧规产品分流逐步 显现，二手房"以价换量"占比持续提升。自"4·30"政治局会议明确"持续巩固房地产市场稳定态势"以 来，商业贷款及公积金贷款利率进一步下调，一线城市限制政策陆续退出。 展 ...

Core Insights - The "Shanghai Financial High-Quality Development Conference" focused on the theme "New Narrative of the Era, New Future of Wealth," discussing how the wealth management industry can navigate economic cycles and enhance competitiveness while supporting the real economy [1][3] Group 1: Conference Overview - The conference was co-hosted by Shanghai Securities Journal and Bank of Communications Shanghai Branch, attracting over 300 representatives from various sectors including government, financial management, and industry associations [1] - Keynote speeches were delivered by notable figures including Wang Zhongmin, former Vice Chairman of the National Social Security Fund, and other leaders from financial regulatory bodies [1] Group 2: Awards and Recognitions - The "2025 Shanghai Securities Eagle Financial Management" list was unveiled, recognizing top institutions in banking, insurance, and securities based on a quantitative evaluation system [2] - In the banking sector, 12 banks including China Construction Bank and Bank of Communications received the "Annual Bank Wealth Management Brand Award," highlighting the expansion of wealth management brands [2] - The insurance sector saw awards for "Annual Insurance Protection Brand" given to six institutions, including AIA and China Life, while eight institutions received the "Annual Insurance Asset Management Brand Award" [4] - In the securities sector, ten institutions including CITIC Securities and Huatai Securities were awarded the "Comprehensive Wealth Management Institution Award," showcasing the industry's overall strength [5]

Core Viewpoint - Ping An Bank announced the performance bonuses for its senior management for the year 2024, detailing the pre-tax salaries of various executives and the implementation of deferred payment for performance-related compensation [1][2]. Group 1: Executive Compensation Details - The pre-tax salary for Chairman and President Ji Guangheng is 1.45 million yuan [1][2]. - Vice President and CFO Xiang Youzhi will receive a pre-tax salary of 1.5976 million yuan [1][2]. - Vice President Yang Zhiqun's pre-tax salary is set at 2.2515 million yuan [1][2]. - Employee Supervisor Sun Yongzhen will receive a pre-tax salary of 1.388 million yuan [1][2]. - Employee Supervisor Deng Hong's pre-tax salary is 384,300 yuan [1][2]. - Secretary of the Board Zhou Qiang will receive a pre-tax salary of 1.3668 million yuan [1][2]. Group 2: Compensation Management - The performance compensation for senior management will be subject to deferred payment management, in accordance with the "Guidelines for Sound Compensation Regulation of Commercial Banks" [1]. - The total pre-tax remuneration for senior management includes performance bonuses that are deferred and will be paid over the next three years [1].

Core Viewpoint - The article discusses the declining interest rates of large-denomination time deposits in China, which have dropped to "1.x%" levels, leading to challenges for savers who previously relied on these products for income [3][4][5]. Group 1: Current Situation of Large-Denomination Time Deposits - Many banks have stopped offering 5-year large-denomination time deposits, with the longest available term now being 3 years at a rate of 1.55% [8][11]. - The interest rates for large-denomination time deposits have significantly decreased over the years, with rates previously above 4% now falling below 2% [14][19]. - The demand for large-denomination time deposits has diminished as banks prioritize managing their liabilities and reducing costs [19][20]. Group 2: Changes in Banking Strategy - Banks are shifting their strategies from using large-denomination time deposits as a tool for attracting deposits to focusing on low-cost demand deposits and optimizing the structure of deposit terms [20][19]. - The net interest margin for commercial banks has been declining, prompting banks to reduce their reliance on high-interest deposits [18][19]. - The current banking environment reflects a preference for short-term, low-cost liabilities over long-term, high-cost deposits [27]. Group 3: Investment Alternatives for Savers - With the decline in large-denomination time deposits, savers are encouraged to explore other investment options, such as low-risk fixed-income products and structured financial products [23][26]. - The bank wealth management market is experiencing growth, with a significant increase in the scale of bank wealth management products, indicating a shift in investor preferences [23][26]. - Young investors are increasingly turning to online investment platforms, particularly in gold and diversified funds, as alternatives to traditional savings [26][27].

证券日报网讯 12月12日晚间，东华软件发布公告称，鉴于公司"信创鹏霄项目"已实施完毕并已结项， 青岛鹏霄投资管理有限公司将开立于平安银行股份有限公司北京分行亦庄支行、中国民生银行股份有限 公司北京中关村支行、上海浦东发展银行股份有限公司北京北沙滩支行及广发银行股份有限公司北京奥 运村支行专户予以注销。截至本公告披露日，前述募集资金专户节余的募集资金共计1.21万元已全部转 入公司一般账户用于永久性补充流动资金，并于近日已办理完成募集资金专户注销手续。前述募集资金 专用账户注销后，对应的募集资金监管协议相应终止。 （文章来源：证券日报） ...

Core Viewpoint - The issuance of credit card non-performing asset-backed securities (ABS) by Everbright Bank at a low discount rate of 4.81% raises concerns about the underlying asset quality and the challenges in recovering credit card debts in the current economic environment [1][2]. Group 1: ABS Issuance and Discount Rates - Everbright Bank's latest ABS issuance of 300 million yuan is backed by credit card non-performing assets totaling approximately 6.24 billion yuan, resulting in a discount rate of about 4.81%, which is lower than the industry average [1]. - The bank's previous ABS issuances in 2025 had discount rates of 5.01%, 5.25%, and 5.27%, indicating a trend of declining discount rates, reflecting the increasing difficulty in recovering credit card debts [2]. - The cumulative issuance of Everbright Bank's credit card non-performing asset ABS in 2025 has reached 1 billion yuan, covering a total of 19.7 billion yuan in non-performing assets [2]. Group 2: Market Trends and Asset Transfer - The active transfer of credit card non-performing assets on platforms like Yindeng Network indicates a growing urgency among banks to address the rising levels of non-performing assets [3][5]. - Major banks such as Ping An Bank and Minsheng Bank have significantly increased their asset transfer activities, with Minsheng Bank's recent transfer involving 9.607 billion yuan in non-performing loans, highlighting the severity of the issue [4]. - The parallel development of ABS issuance and asset transfers creates a dual-channel approach for banks to manage non-performing credit card assets, reflecting a trend towards systematic and normalized asset disposal [5]. Group 3: Credit Card Business Challenges - The total number of credit cards in circulation has decreased by 10 million from a peak of 807 million, marking a continuous decline over 12 quarters, indicating challenges in the credit card business [6]. - Regulatory pressures and changing consumer behaviors are forcing banks to shift from aggressive card issuance to a focus on quality and risk management, as evidenced by the decline in both card issuance and transaction volumes [7][9]. - Recent regulatory actions against banks for compliance failures underscore the need for stringent management practices in credit card operations, emphasizing the importance of balancing growth with risk control [8][9].

平安银行股份有限公司董事会决议公告 本公司及董事会全体成员保证信息披露的内容真实、准确、完整，没有虚假记载、误导 性陈述或重大遗漏。 平安银行股份有限公司（以下简称本行）第十二届董事会第四十六次会议以 书面传签方式召开。会议通知以书面方式于 2025 年 12 月 10 日向各董事发出， 表决截止时间为 2025 年 12 月 12 日。本次会议的召开符合有关法律、法规、规 章和本行章程的规定。会议应到董事 13 人（包括独立董事 5 人），董事长谢永林， 董事冀光恒、郭晓涛、付欣、蔡方方、郭建、项有志、杨志群、杨军、艾春荣、 吴志攀、刘峰和潘敏共 13 人参加了会议。 本次会议审议通过了《平安银行合作机构管理办法》。 本议案同意票 13 票，反对票 0 票，弃权票 0 票。 本次会议听取了《关于部分高级管理人员 2024 年度绩效奖金结算的报告》， 相关情况请见附件。 证券代码：000001 证券简称：平安银行 公告编号：2025-063 优先股代码：140002 优先股简称：平银优 01 平安银行股份有限公司董事会 2025 年 12 月 13 日 1 附件： 关于部分高级管理人员 2024 年度绩效奖金 ...

Core Insights - The arrival of AI is accelerating the transformation of the banking industry, moving towards a new phase of digital finance with significant applications of AI technology [1][2] - By 2025, major global banks are expected to implement over 160 AI applications, enhancing core banking functions such as credit, risk control, and wealth management [2] - McKinsey's report indicates that AI could lead to a cost reduction of up to 70% in certain categories, with an overall net decrease in banking costs projected between 15% and 20% [1][8] Group 1: AI Applications in Banking - AI is transforming the credit business, enabling "invisible credit approval and same-day disbursement" for borrowers, significantly improving efficiency and reducing reliance on manual processes [2][3] - In risk management, banks are utilizing AI to create multi-layered security systems to combat financial fraud, exemplified by Ping An Bank's dual approach of risk control and customer service [3] - Wealth management is evolving towards personalized services, with AI providing real-time, tailored asset allocation advice to a broader audience, thus lowering the barriers to professional financial services [4] Group 2: Challenges and Adjustments in AI Investment - As banks transition from large-scale investments to refined management of technology resources, the growth rate of tech investments is slowing, reflecting a shift in focus towards optimizing existing infrastructure [8][9] - Data governance and security issues are critical challenges, as the complexity and sensitivity of financial data can hinder AI model training and raise compliance risks [9][10] - The need for AI applications to align with traditional systems and human oversight is essential to ensure accuracy, which may limit the full realization of AI's efficiency benefits [10] Group 3: Future of AI in Banking - The transition to AI in banking is seen as a necessity rather than an option, with potential cost savings estimated between $700 billion and $800 billion, indicating a significant shift in operational models [11] - Collaboration within the industry is crucial for achieving technological sharing and resource complementarity, with fintech companies playing a vital role in supporting banks' AI transformations [11][12] - The future of AI in finance is expected to evolve beyond basic applications, moving towards more innovative solutions that can create new products and services [12]