家人们，有没有过这样的体验：每个月拼命存钱，看着银行账户里的数字一点点增加，心里却没有那 种"我变富了"的喜悦，反而觉得自己越来越穷，这到底是咋回事呢？今天咱们就来好好唠唠。 很多人存钱只是单纯地把钱放在银行活期账户里，以为这样就是在积累财富。其实，这种方式不仅收益 极低，还无法跑赢通货膨胀。 理财专家建议，我们应该根据自己的风险承受能力和理财目标，合理配置资产。比如，可以拿出一部分 钱投资基金、债券或者股票。有数据显示，长期投资优质基金的平均年化收益率可以达到8% - 10%，远 远高于银行活期存款的利率。如果我们只是一味地存钱，而不进行合理的理财规划，就相当于把钱放在 那里慢慢贬值。 越存钱越感觉自己穷，并不是我们的错觉。欲望的膨胀、物价的上涨以及缺乏理财规划等因素，都让我 们在存钱的道路上感到焦虑和无助。但是，我们也不能因此就放弃存钱。存钱是一种良好的习惯，它能 给我们带来安全感。 据一项消费心理调查显示，超过70%的人在收入增加或者开始存钱后，会对生活品质有更高的追求。就 像我有个朋友，本来租房住得好好的，开始存钱后就想着要买套自己的房子，这一对比，就觉得自己那 点存款根本不够，瞬间就觉得自己穷得叮当 ...

Investment Overview - The company intends to use idle self-owned funds to invest in financial products to enhance the utilization rate of these funds and increase returns for the company and its shareholders [1][2] - The maximum amount authorized for investment is up to RMB 100 million, with a usage period of 12 months from the date of board approval [1][2] Investment Products - The company will purchase low-risk financial products issued by legitimate financial institutions, characterized by high safety and good liquidity, with a maturity not exceeding 12 months [2] Implementation and Approval Process - The board of directors has authorized the management to make investment decisions within the specified limits and duration, including selecting qualified financial institutions and signing relevant contracts [2][3] - The investment proposal was approved during the board meeting on June 3, 2025 [2][3] Risk Management - The company has implemented risk control measures, including timely analysis and monitoring of the investment products, and will take necessary actions to mitigate risks if adverse factors are identified [3] - Despite choosing low-risk products, the company acknowledges potential market volatility and systemic risks [2][3] Impact on Operations - The investment in financial products will not affect the daily operations of the company and its subsidiaries, and is expected to improve capital efficiency and generate additional returns for shareholders [3][4] Sponsor's Verification Opinion - The sponsor, Guotou Securities, confirms that the investment decision has been approved by the board and complies with relevant regulations [4]

证券代码：001335 证券简称：信凯科技 公告编号：2025-020 浙江信凯科技集团股份有限公司 本公司及监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。 一、监事会会议召开情况 浙江信凯科技集团股份有限公司（以下简称"公司"）第二届监事会第六次会 议于2025年6月3日在公司会议室以现场会议和通讯会议相结合的方式召开。会议 通知于2025年5月23日以电子邮件方式发出。本次会议应出席监事3人，实际出席监 事3人。会议由监事会主席江艳女士召集并主持，本次会议的召集、召开程序符合 相关法律法规和《公司章程》的规定，会议决议合法、有效。公司监事会审议通过 如下议案： 监事会根据《公司章程》及公司的实际经营管理情况，编制了《2024 年度监事会工作报告》 具体内容详见公司披露于巨潮资讯网（www.cninfo.com.cn）的《2024 年 度监事会工作报告》。 表决结果：3 名监事同意，0 名监事反对，0 名监事弃权。 本议案需提交公司 2024 年年度股东会审议。 经过公司管理层和全体员工的不懈努力，2024 年公司的经营工作稳健有序， 根据一年来公司经营情况和财务状 ...

低利率环境下，配置"新三金"热度渐起。 "新三金"理财热 一位配置了"新三金"的投资者对21世纪经济报道记者介绍其投资"新三金"的原因，"钱放在余额宝里可 以随时取用，后来发现债基比较稳，且收益比余额宝更高，于是配置了债基。黄金基金是今年开始买 的，前阵子买黄金发现赚了，觉得黄金基金应该也能赚。" 中信建投研究指出，存款利率快速下行的背景下，货币基金因兼具安全性、流动性和收益性，逐渐赢得 投资者关注，其规模从2020年末的8.1万亿快速增长至2024年末的13.6万亿。 黄金基金的投资热情也逐渐加码，据世界黄金协会的统计数据，4月，全球实物黄金ETF流入约110亿美 元，在金价上涨和基金持续流入的双重推动下，全球黄金ETF资产管理总规模在4月末达到了3790亿美 元。中国市场作为主要驱动力，连续第三个月实现流入，且4月份的基金流入量已超过了2025年一季度 甚至2024年全年的流入总量。 世界黄金协会指出，中国市场黄金ETF需求激增受到金价持续飙升、中美贸易争端、降息预期升温及债 券收益率下降等因素影响。 据蚂蚁财富平台统计，随着一年期定期存款利率集体跌破1％，一些投资者转向收益稍高且风险较低的 稳健理财产品 ...

说完银行，咱再聊聊余额宝。余额宝本质上是货币基金，取用方便，能直接用于支付。就收益来讲，它 的 7 日年化收益率在 2% 左右浮动 。把 10 万元放余额宝，一年收益大概是 100000×2% = 2000 元 。这 里得注意，余额宝里其实对接了好多只货币基金，不同基金收益有高有低，要是选到收益高的那几只， 收益可能会比平均值高一些。另外，从余额宝提现到银行卡，要是超过了免费额度，就得收手续费。不 过支付宝也给了些办法，像用会员积分兑换免费提现额度，或者把钱转到余利宝再提现，就能免手续 费。 最后说说微信的零钱通。零钱通跟余额宝功能差不多，也是货币基金，同样能随时取用。它的 7 日年化 收益率跟余额宝相差不大，也在 2% 左右 。10 万元放零钱通，一年收益差不多也是 2000 元 。但是从 零钱通提现，只要不是从绑定银行卡转入的钱，就得收 0.1% 的手续费 。比如说提现 1 万元，就得交 10 元手续费，这可相当于 1 万元在零钱通里存 20 天的收益呢，所以提现的时候可得算好这笔账。 综合比较下来，要是追求稳稳当当的收益，不怎么着急用钱，存银行定期，尤其是三年期、五年期的， 收益相对高些。要是图个方便， ...

华宝证券出品的2025中国金融产品年度报告《生态跃迁》，已经正式发布了。这是我们 连续第 十四年 发布这个报告。 图：2025中国金融产品年度报告封面 作为金融市场深刻变革的见证者和参与者，我们深知， 研究服务的价值不仅在于洞察趋势，更 在于搭建认知跃迁的阶梯。 优秀的研究应该如同一盏明灯，照亮前行的道路，帮助从业者们从 纷繁复杂的市场变化中捕捉到那些关键的信号，为行业转型提供坚实的方向指引。 每当这份沉甸甸的报告最终成稿，我们的心中总会涌起一种满满的收获感。这不仅是对过去一 年辛勤耕耘的总结，更是对未来探索的期待。十四年的坚守与沉淀，见证了市场的风云变幻， 也见证了我们在专业道路上的稳步前行。 去年的金融产品年度报告中，我们首次提出 财富与资管行业迈向服务化 的转型方向。令人欣慰 的是，这一理念在业内引发了广泛共鸣。回首2024年，我们也清晰地看到，整个行业在这条转 型之路上已然迈出了坚实的步伐，不断探索前行。 然而，迈向服务化的进程并非单个机构的孤立行动，而是需要整个行业的协同共进，需要财富 生态的重构与升级。这是一场全方位、深层次的蜕变，我们将其称之为生态跃迁—— 这就是今 年我们报告的主题。 未来， ...

Market Overview - The bond market experienced a narrow fluctuation with the central bank maintaining a balanced liquidity environment, as evidenced by the DR007 weighted average rate at 1.66% and the 10-year government bond yield at 1.67% [2] - The A-share market saw a decline in major indices, with the Shanghai Composite Index, Shenzhen Component Index, and CSI 300 Index dropping by 0.03%, 0.91%, and 1.08% respectively [2] - Sectors such as environmental protection, pharmaceutical biology, and national defense showed positive performance during the week [2] Product Performance - The number of underperforming wealth management products remained stable, with 23,709 active public wealth management products, of which 167 had a cumulative net value below 1, resulting in a comprehensive underperformance rate of 0.7% [3] - The underperformance rates for equity and mixed investment products were 53.85% and 7.08% respectively, while fixed income products had a low underperformance rate of 0.25% [3] - Fixed income products with maturities of 2-3 years and 1-2 years had slightly higher underperformance rates of 0.51% and 0.46% respectively [3] New Product Issuance - A total of 496 wealth management products were issued by 32 companies from May 26 to May 30, with the majority being R2 (medium-low risk), closed-end net value type, and fixed income public products [4] - Notably, Zhejiang Bank Wealth Management has increased its product offerings, launching 32 products since April 17, with 22 successfully issued [4] - The new products from Zhejiang Bank are all fixed income types, covering three series: "琮善", "琮简", and "琮融" [4] Product Features - The "同善共富" series from the "琮简" product line aims to support social welfare through management fee donations, with the first product "琮简富春6号" offering an annualized benchmark of 2.15% over a 97-day term [5] - The "琮融" series focuses on fixed income enhancement strategies, including various investment strategies [5] - Pricing for new products remained stable for those with a maturity of less than one year, while products with maturities of 1-2 years and 2-3 years saw slight declines in pricing [5] Yield Performance - Only fixed income public wealth management products recorded positive yields, with an average net value growth rate of 0.0461% over the past week [7] - Mixed, equity, and commodity/financial derivative products experienced negative average net value growth rates of -0.0445%, -0.4934%, and -0.6651% respectively [7] - The proportion of negative yield products increased, with 10.38% of public wealth management products yielding negative returns in the past week [7] Industry Trends - Many banks have begun to lower the performance benchmarks for wealth management products, with some products having benchmarks below 1%, which is lower than the current deposit rates [8] - This adjustment is seen as a way to better reflect market conditions and guide investors towards more rational investment decisions [8] - The low interest rate environment is expected to accelerate the shift of wealth management companies towards enhancing equity investment capabilities and transitioning to "fixed income plus" products [8] Fee Adjustments - Following a new round of deposit rate cuts, several bank wealth management subsidiaries have initiated a wave of fee reductions, with some fees dropping to as low as 0.01% [9] - This includes reductions in fixed management fees, sales service fees, and custody fees among various banks [9]

Core Viewpoint - A significant investment fraud scheme has emerged, involving multiple victims across Jiangsu, Jiangxi, and Guangdong, where individuals lost over 400,000 yuan in gold investments through a fraudulent investment app that became inaccessible after the gold was supposedly signed for [1][6]. Group 1: Fraud Mechanism - Victims were lured into a fraudulent investment scheme through a WeChat stock trading group, where they were promised high returns by a supposed expert [2][3]. - The scheme involved purchasing gold as a form of "physical deposit" to bypass investment limits, with victims instructed to send the gold to a designated address [3][4]. - Once the gold was sent, victims' accounts showed inflated balances, but access was restricted, leading to further demands for more gold purchases to "unfreeze" accounts [3][6]. Group 2: Criminal Operations - The criminal operation involved a network of individuals, including a key figure named Huang, who coordinated the collection and transfer of gold from victims [4][5]. - The operation utilized a method of disguising the transfer of funds by converting them into gold, which was then physically moved to evade law enforcement [7][8]. - Evidence collection focused on the logistics of gold purchasing, shipping, and signing for deliveries, which was crucial for prosecuting the involved parties [7][8]. Group 3: Legal Proceedings - The case has led to the prosecution of individuals involved in the scheme, with Huang receiving a sentence of two years and three months, along with a fine of 12,000 yuan [8]. - Ongoing investigations are targeting additional accomplices and the mastermind behind the scheme, indicating a broader network of fraud [8].

近期，存款利率持续下行引发银行理财市场深度变革，银行理财子公司纷纷以创新策略抢占市场先机。 一方面，通过发行长封闭期理财产品，搭配"固收+非标"策略，合理配置非标债权资产，挖掘长期收益 潜力；另一方面，积极创新分红模式，推出按月或按季分红产品，为投资者提供更灵活的收益获取方 式。 受访业内人士表示，银行理财子公司的创新举措，不仅优化了理财市场产品生态，更精准对接了投资者 在低利率环境下的资产配置需求，或将成为推动理财规模阶段性增长的重要驱动力。此外，理财子公司 的策略调整，亦是其强化服务实体经济能力的重要实践，通过长期资金的有效配置，为实体经济发展注 入动能。 记者梳理发现，农银理财、徽银理财、渤银理财等机构纷纷布局"固收+非标"领域，推出长封闭期产 品。其中，农银理财"农银安心·灵珑2025年第9期理财产品（鑫享）"聚焦高评级非标资产配置；徽银理 财"智盈添金目标盈19号理财"将非标债权类资产占比控制在50%以内；渤银理财"财收有略系列固定收 益类二年封闭式理财产品"则将非标资产配置比例锁定在49%以下，精准平衡收益与风险。 银行理财创新突围"双路径" 长封闭期设计为资金运作带来多重优势：对理财子公司而言， ...

Core Concept - Financial management is no longer exclusive to the wealthy but is a fundamental skill everyone should possess, focusing on systematic learning to avoid financial pitfalls and optimize fund utilization [1][6]. Group 1: Importance of Financial Management - Financial management ensures basic living standards by planning income and expenses to avoid deficits [4]. - It prepares individuals for unexpected situations by maintaining emergency funds for risks like illness or unemployment [4]. - It aids in achieving life goals such as home ownership, education, and retirement through early planning [4]. - Financial management serves as a crucial tool against inflation, as mere savings can lead to devaluation of funds [4]. Group 2: Basic Steps in Personal Financial Management - Define financial goals, such as purchasing a car in three years or retiring in ten years, which will influence fund allocation [7]. - Record and analyze income and expenses using tools like accounting software or spreadsheets to clarify monthly financial flows [7]. - Develop a financial plan that includes fixed savings amounts, investment ratios, and insurance choices [7]. - Continuously optimize and review financial strategies and budgets based on income changes and market fluctuations [7]. Group 3: Common Financial Tools for Beginners - Savings accounts offer the highest safety and are suitable for short-term fund storage [8]. - Bank fixed deposits provide slightly higher returns than current accounts but with lower liquidity [8]. - Money market funds, such as Yu'ebao, offer strong liquidity and very low risk [8]. - Bond products, including government and corporate bonds, are suitable for conservative investors [8]. - Index funds typically outperform most actively managed funds over the long term and are ideal for long-term holding [8]. - Commercial insurance, including critical illness, accident, and life insurance, forms the foundational logic for family protection [8]. Group 4: Common Misconceptions in Financial Management - The desire for quick wealth can lead to high-risk investment traps [9]. - Following investment trends from social media or friends can overlook personal risk tolerance [9]. - Lack of insurance coverage in financial management is akin to gambling without limits [9]. - Failing to diversify assets by investing all funds in a single product exposes individuals to systemic risks [9]. Group 5: Enhancing Financial Management Skills - Learning basic financial knowledge through reading finance books and news helps in mastering relevant concepts [10]. - Engaging in simulations and small-scale investments, such as purchasing money market funds, builds experience [10]. - Choosing the right financial channels, prioritizing reputable banks and brokerage platforms, is essential to avoid unlicensed institutions [10]. - Setting and adhering to financial goals is crucial, as financial management is a long-term endeavor requiring persistence [10].