Core Insights - The Industrial and Commercial Bank of China (ICBC) has launched the "828 Wealth Season" event to enhance wealth management experiences for customers through optimized product offerings, innovative online investment services, and enriched investment education resources [1][2] Product Optimization - ICBC has upgraded and expanded the "Daily Earnings" cash management services, increasing the number of associated money market funds to 106, catering to higher liquidity needs of customers [1] - The bank offers automatic purchase and redemption services for idle funds, making fund management more efficient for clients [1] Innovative Investment Services - ICBC collaborates with fund companies to analyze market trends and monthly selects "Aggressive Strategy" and "Conservative Strategy" fund product configurations [1] - The bank has introduced a "Wish Investment" feature, allowing customers to choose from various financial products for systematic investment [1] - Gold asset allocation services have been optimized, enabling customers to accumulate gold through active saving or systematic investment methods [1] Investment Education Initiatives - ICBC has launched the "Wealth Accompaniment" theme activity, utilizing interactive and gamified approaches to educate customers on investment knowledge, attracting over 6 million participants [2] - The bank emphasizes the importance of understanding risk and encourages customers to make informed investment decisions based on their individual goals and circumstances [2] Partnership with Huazhang Fund - Huazhang Fund, a core partner of ICBC, has a public fund management scale exceeding 740 billion yuan, with over 440 billion yuan in non-monetary management, serving more than 100 million investors [2] - The fund company focuses on creating long-term stable returns for investors, particularly small and medium-sized investors, through a centralized research platform and diversified investment teams [2] Future Outlook - Huazhang Fund aims to enhance its comprehensive strength through technological investments and maintain a focus on professional research capabilities and diversified product lines [3] - The fund is committed to supporting the national economic strategy and meeting the wealth management needs of the public [3]

Core Viewpoint - Since September, local small and medium-sized banks have been continuously lowering deposit interest rates to alleviate net interest margin pressure and follow the lead of larger banks [1][3]. Group 1: Deposit Rate Adjustments - On September 25, several banks in Henan, including Luoyang Rural Commercial Bank, announced reductions in RMB deposit rates, with the highest cut reaching 35 basis points [2][3]. - The new rates for fixed-term deposits at Luoyang Rural Commercial Bank are now 0.75% for three months, 1.00% for six months, 1.30% for one year, and 1.35% for two years, reflecting a reduction of 15 basis points [3]. - Other banks, such as Jieyang Rural Commercial Bank and Shanghai Huarui Bank, have also lowered rates across various deposit products, indicating a broader trend among local banks to adjust rates following national banks [3]. Group 2: Retail Deposit Trends - There is a noticeable outflow of retail deposits as customers shift to investment products with higher returns, such as cash management and fixed-income bank wealth management products, which offer annual yields of 2% to 3% [2][5]. - Retail deposit growth has significantly slowed, with banks facing challenges in attracting new customers and retaining existing deposits [5][6]. - Data shows that major banks like China Merchants Bank and Ping An Bank experienced a decline in retail deposit growth rates in the first half of 2025 compared to the same period in 2024, with decreases of 3.43 and 3.73 percentage points, respectively [8]. Group 3: Wealth Management Strategies - In response to declining retail deposits, banks are focusing on expanding their wealth management services, leveraging the recent bullish trends in capital markets [9][10]. - Wealth management products, particularly those linked to equity funds, are becoming key revenue drivers for banks as they seek to retain customer assets [9]. - The "fixed income plus" product category is seen as a new pathway for banks to attract deposits in a low-interest-rate environment, highlighting the need for diversified investment options [10].

龚启华介绍，中邮证券作为邮政集团金融板块的重要成员，依托邮政集团强大资源禀赋，坚定走"自营 +协同"特色化发展道路。2025年上半年，受托及管理资产5290亿元，投行执业质量达到A类，公司地方 政府债承销规模跻身行业第一方阵，在多省市债券销售利率创区域新低，发挥了扎实服务实体经济能力 的功能。他强调，中邮证券将持续发挥"投研+投行+投资"的联动优势，协同邮政金融板块围绕"四新"主 攻"四化"主战略、奋力实现"四区一高地"主定位和"六大产业基地"建设目标，为贵州新型工业化、数字 经济、绿色产业、国企改革等领域提供全方位金融支持。 新华社客户端贵阳9月25日电 9月25日，由中邮证券有限责任公司联合中国邮政集团有限公司贵州省分 公司、中国邮政储蓄银行贵州省分行共同举办的"邮政金融服务实体经济2025年度策略报告会"在贵阳市 贵州饭店国际会议中心成功举行。会议聚焦宏观经济走势、区域产业转型、债务化解、财富管理等热点 议题，汇聚政府代表、国有企业、上市公司、金融机构、城投公司及专精特新企业等300余位嘉宾，共 同探讨金融赋能贵州实体经济高质量发展路径。 本次会议是在贵州省委金融办的指导下，邮政金融体系整合证券、银行、 ...

Group 1 - The A-share market is recovering, leading to significant profits for fund investors, with 2.15 billion fund investors on the Ant Fund platform achieving cumulative profits [1] - Institutional investors have notably increased their holdings in active equity funds, with a rise of 54.1 billion yuan in asset scale and an increase of 27.1 billion fund shares by the end of the first half of the year [1] - West China Fund confirmed that a fund manager was caught gambling and has been dismissed from their position following administrative penalties [1] Group 2 - The China Coking Industry Association recommends a 30% production cut across the coking industry to maintain reasonable profit levels and healthy development [2] - Coking prices are set to increase, with specific price adjustments for various types of coke effective from September 26 [2] Group 3 - The global average selling price (ASP) of smartphones is projected to rise from $370 in 2025 to $412 in 2029, driven by high-end trends and the adoption of 5G technology [3] Group 4 - The Robotaxi sector is experiencing a surge in stock prices, with leading companies like Pony.ai and Baidu seeing significant increases in their stock values due to accelerated commercial applications [4] - The cobalt market is tightening due to export bans from the Democratic Republic of Congo, leading to a nearly 40% increase in cobalt prices this year [4] Group 5 - Starbucks plans to close underperforming stores in North America, reducing the number of company-operated stores by approximately 1% by fiscal year 2025, while also cutting about 900 non-retail positions to invest in store operations [5] Group 6 - ByteDance has denied rumors of preparing for an IPO in Hong Kong, urging caution against misinformation regarding "Byte concept stocks" [6] Group 7 - Shanghai Forever Bicycle Company has stated that products like "Forever Rabbit" are not associated with the company and will pursue legal action against unauthorized use of its trademark [7] Group 8 - Horizon Robotics plans to raise approximately 6.339 billion HKD through a share placement to expand its overseas market and support advanced driver assistance solutions [9] Group 9 - Dragon Big Food announced that 0.70% of shares held by its controlling shareholder are under judicial freeze, but this will not affect the company's operations or governance [10] Group 10 - Zhaochi Co. has completed the R&D design of its 1.6T OSFP DR8 optical module, with plans to launch samples by the end of 2025 [11] - Jingchen Co. has submitted an application for H-share listing on the Hong Kong Stock Exchange [12]

人民财讯9月26日电，9月以来，下调存款利率的地方中小银行队伍持续扩大。9月25日，河南洛阳农商 行、洛宁农商行等多家银行宣布下调人民币存款利率，调整范围覆盖活期存款、通知存款和各期限定期 存款等产品，最高降幅达35个基点(BP)。 从"比价效应"上看，年化收益率接近2%至3%的现金管理类、固收类银行理财产品，以及混合型、股票 型基金产品的可观表现，也让不少银行客户改变投资思路，纷纷买入。 与此同时，证券时报记者从多家银行基层零售客户经理处获悉，近期零售存款的流失较为明显。而做好 财富管理，以做大管理客户资产规模(AUM)来减缓存款流失带来的负面影响，成为众多银行当前主要策 略。 ...

与此同时，证券时报记者从多家银行基层零售客户经理处获悉，近期零售存款的流失较为明显。而做好 财富管理，以做大管理客户资产规模（AUM）来减缓存款流失带来的负面影响，成为众多银行当前主 要策略。 从"比价效应"上看，年化收益率接近2%至3%的现金管理类、固收类银行理财产品，以及混合型、股票 型基金产品的可观表现，也让不少银行客户改变投资思路，纷纷买入。 中小银行存款利率"补降" 近期，为缓解净息差压力、紧跟大中型银行步伐，一批地方中小银行的存款利率陆续进入"1字头"时 代。 | | | 部分上市银行零售存款增速对比 | | | --- | --- | --- | --- | | 银行 | 2025年上半年增幅 | 2024年上半年增幅 | 同比少增(个百分点) | | 招商银行 | 5.43% | 8.86% | 3.43 | | 平安银行 | 3.12% | 6.85% | 3.73 | | 北京银行 | 8.13% | 13.54% | 5.41 | | 宁波银行 | 6.66% | 16.53% | 9.87 | | 杭州银行 | 10.68% | 15.25% | 4.57 | | 苏州银行 | 11. ...

Core Insights - The "Zijin Wealth Management" brand was launched by the Dongcheng District government in Beijing, aiming to provide comprehensive wealth management solutions for entrepreneurs through a collaborative platform involving various financial institutions and academic organizations [1][3][4] Group 1: Brand Launch and Objectives - The "Zijin Wealth Management" brand is a strategic initiative supported by the Beijing Municipal Financial Office, designed to promote the development of the private economy and provide cross-cycle wealth management solutions [3][4] - The brand aims to create a replicable and scalable wealth management service model, enhancing the financial ecosystem for high-net-worth individuals [1][4] Group 2: Event Highlights - The inaugural event featured discussions among representatives from multiple financial institutions, focusing on innovative practices in wealth management and the importance of collaboration among institutions [5][6] - Key speakers emphasized the role of financial services in supporting the growth of the private economy and the increasing demand for wealth management among high-net-worth individuals during the transition of economic dynamics [3][5] Group 3: Future Directions - The establishment of the "Zijin Wealth Management" brand marks a significant step towards building a modern wealth management service system in Dongcheng District, leveraging local financial resources and cultural heritage [6][7] - Future efforts will focus on deepening collaboration among government, financial institutions, enterprises, and media to foster a healthy and cooperative wealth management ecosystem [5][6]

9月25日，2025Wind财富管理论坛暨星选理财师年度颁奖盛典在上海成功举办！本届星选理 财师大赛也随之落下帷幕。Wind始终紧跟行业脉搏，致力于推动财富管理行业向更专业、更 智能的方向进化。Wind期待与更多行业伙伴携手，共建一个更具韧性、更贴近客户且可持续 发展的大财富管理新生态，助力行业迈向专业化、智能化、可持续化的高质量发展新阶段。 "喜看稻菽千重浪"，最是风流星选人 ！ 2025年，"Wind星选理财师年度评选"再度起航，赛事规格全面升级，并 创新引入"优秀投资顾 问评选"环节， 赛程丰富多元且独具匠心，引发行业广泛关注与积极参与。 经过数月的激烈角 逐，本届评选已圆满收官，一批兼具专业深度、服务温度与创新思维的标杆人才脱颖而出！ 来自北京银行的毛科英、平安银行的李川和兴业银行的沈琪玮，分别荣膺卓越投资顾问奖项的 冠、亚、季军！来自中国邮政储蓄银行的苗宁、中国工商银行的张玉铭和中国建设银行的李少 璋， 分别荣获卓越理财师奖项的前三甲 ！ 他们不仅在服务客户中展现出卓越的专业能力，更在 行业转型的浪潮中积极探索、勇于突破。 多家国有行、股份行、城商行、券商、财富管理机构亦凭借卓越的财富管理实力和强大 ...

在本次销售中，国联民生证券与民生证券密切联动，从前期产品引入到一线对客展业，环环相扣、紧密 协同。9月3日，双方联合召开项目启动会国联民生证券首席财富官兼机构客户部总经理姜晓林，民生证 券副总裁、经纪业务事业部总裁刘洪松分别致辞，凝聚共识、协同攻坚、激励士气，拉开了营销的序 幕。在销售过程中，双方分支机构充分发挥各自的资源禀赋，扩大客户覆盖面，向合适的客户引荐产 品，最终实现客户与业务的双赢。其中，国联民生证券无锡分公司、北京分公司、上海分公司、南京分 公司、青岛分公司，民生证券河南分公司、北京分公司、广州分公司、江苏分公司以及山东第二分公司 成绩亮眼。 本次东方红医疗创新混合(QDII)的成功发行与销售，不仅是国联民生证券母子公司在业务层面高效联动 的体现，更是双方共同推进"以客户为中心"的产品供给和资产配置服务的重要里程碑。 未来，国联民生证券与旗下子公司将持续发挥协同效应，继续引入和定制更多优质产品，不断提升综合 金融服务能力，助力客户实现财富的保值增值，释放1+1>2的协同效能,谱写财富管理业务领域新的篇 章！ 近日，由国联民生（601456）证券与旗下子公司民生证券首次联袂销售的券结产品——东方红医 ...

Hi 大家好，我是Kenyon 最近有不少朋友问，香港保单保费融资是什么原理，怎么实操的，有哪些风险？ 如今全球重返低利率趋势，它很可能成为接下来市场热点之一，这期我们就来一起来研究探讨 一，香港保单保费融资是什么样子的 在香港多元化的金融生态中，保费融资作为一种高阶财富管理策略，近年来备受中高净值客户关注。它通过"银行融资+保险保单"的组合，以杠杆方式放 大资金效率，但其复杂的结构和潜在风险也需谨慎评估。 一句话大白话说清楚： 这就是"借鸡生蛋"的玩法。你付个首付（自己的一部分钱），让银行帮你出大头（贷款），合起来买一份大额保单。然后你用保单赚的钱，去还银行的贷 款利息，最后剩下的利润就是你的。 我们现在用大家最熟悉的贷款买房来比较，应该马上就能知晓核心逻辑 | 特性维度 | 香港保单保费融资 | 房产投资 | | --- | --- | --- | | 底层资产 | 投资组合和承诺 | 金融契约：人寿保险保单（主要是万用寿险），其价值基于保险公司的 实物资产:土地和建筑物，具价值基于地理位置、供求关系、租金收益和经 济发展 | | 杠杆本质 | 资金杠杆：借入资金用于支付保费,撬动的是一个固定金额的保险合 ...