Core Insights - The article highlights the growing trend of household savings in China, with new deposits reaching 14.26 trillion yuan in 2024, indicating a national focus on saving money [1] - It emphasizes the risks associated with high savings, particularly in the context of inflation and low interest rates, which diminish the purchasing power of saved money [1][9] - The article advises caution in investment strategies, suggesting that individuals should consider safer options like bank deposits and government bonds rather than speculative investments [3][7] Savings and Investment Trends - By the end of 2024, households with savings exceeding 300,000 yuan surpassed 28 million, a fivefold increase over five years, reflecting a significant shift in savings behavior [1] - The current low interest rates, with three-year rates dropping below 3% and one-year rates below 2%, mean that traditional savings are yielding minimal returns [9] - The article warns against blindly following investment trends, advocating for a more measured approach to asset allocation that includes inflation-resistant options [3][9] Entrepreneurship and Economic Environment - The article discusses the challenging employment landscape, with high unemployment rates leading many to consider entrepreneurship, but warns of the high failure rates of new businesses due to rising costs and reduced consumer spending [3][7] - It suggests that potential entrepreneurs should thoroughly plan their business strategies before launching, focusing on low-investment, high-demand projects [7] Inflation and Purchasing Power - Inflation is highlighted as a significant concern, with the purchasing power of money decreasing, meaning that savings may not hold their value over time [7][9] - The article recommends diversifying investments to include assets that can withstand inflation, such as real estate and quality bonds, while being cautious about market timing [7][9] Conclusion on Financial Management - The article concludes that in 2025, having money does not guarantee financial success; the ability to manage and allocate funds wisely is crucial [9] - It encourages individuals to remain vigilant and informed about their financial decisions, especially in a climate of widespread investment enthusiasm [9]

Core Insights - The article presents a curated list of ten essential personal finance books aimed at helping individuals save money, invest wisely, and achieve early retirement. It emphasizes the importance of understanding personal finance principles and implementing practical strategies for effective financial management [1]. Group 1: Book Summaries - **Rich Dad Poor Dad** by Robert T. Kiyosaki challenges traditional financial views, emphasizing financial literacy, the distinction between assets and liabilities, and the importance of investing in income-generating assets [2][4]. - **The Total Money Makeover** by Dave Ramsey offers a step-by-step plan for eliminating debt, saving money, and building wealth, highlighting the significance of budgeting and emergency funds [6][8]. - **The Intelligent Investor** by Benjamin Graham introduces the concept of value investing, stressing the need for thorough stock analysis and maintaining a margin of safety in investment decisions [10][12]. - **Think and Grow Rich** by Napoleon Hill explores the psychological factors behind wealth creation, advocating for visualization, positive thinking, and clear goal-setting [14][16]. - **The Four Pillars of Investing** by William Bernstein outlines the four fundamental principles of successful investing: asset allocation, diversification, market efficiency, and minimizing investment costs [18][20]. - **Your Money or Your Life** by Vicki Robin and Joe Dominguez encourages readers to align spending with personal values and provides practical steps towards financial independence [22][24]. - **I Will Teach You to Be Rich** by Ramit Sethi offers a comprehensive personal finance approach, focusing on budgeting, saving, investing, and optimizing credit card use, particularly for young adults [26][28]. - **The Little Book of Common Sense Investing** by John C. Bogle advocates for passive investing through low-cost index funds, emphasizing long-term investment and avoiding high fees [30][32]. - **The Millionaire Next Door** by Thomas J. Stanley and William D. Danko reveals common traits and habits of wealthy individuals, stressing frugality and long-term financial planning [34][36]. - **Broke Millennial** by Erin Lowry provides practical advice on budgeting, saving, investing, and debt management tailored for millennials, with relatable examples and actionable strategies [38][40].

最近股市债市均出现反弹，部分理财产品收益表现亮眼。理财通评评"理"持续测评银行热销理财产品，本次测评建行APP业绩榜 排第一的产品：交银理财稳享灵动慧利日开13号（7天持有期）理财产品。该产品无论是在近3个月业绩榜还是近6个月业绩榜均 排第一，近3个月年化收益率甚至超过6%。 可能因收益表现不错，该产品规模出现快速增长，从成立时的5000万元增至今年一季度末的14.72亿元。该产品在今年3月24日、 4月29日两次提高规模上限，将规模上限分别提高至200亿元、300亿元。提高的原因是"为满足客户投资需要"。 作为一款固收增强型产品，该产品说明书约定可配置不超过5%的权益类资产来提高收益弹性。从该产品今年一季度末资产组合 来看，该产品在一季度末尚未直接投资权益类资产，不过该产品投资公募基金的比例不低，投资比例26.72%，虽然今年一季度 末前十大持仓中的公募基金以债券型基金为主，但不排除通过公募基金少量投资权益类资产、可转债等。前十大持仓中的一只 混合债券型一级基金在今年一季度末就持有少量可转债。 测评结果显示，该产品收益表现得分65分，风险控制得分100分，风险调整收益得分56分，综合费率得分84分，分别在5 ...

朋友们！咱今儿来唠唠一个特别扎心又现实的话题：要是手里有100万，往银行一存，光靠吃利息不上班，到底能不能舒舒服服地活下去？估计不少人心里 都偷偷琢磨过这事儿，觉得要是真能这样，那可太美了，每天睡到自然醒，想去哪儿玩就去哪儿玩，再也不用看老板脸色，不用挤那早高峰的地铁。可现实 往往比咱们想的要残酷得多，这盆冷水，今天就得给大家泼个透心凉！ 咱先说说这100万存银行，到底能有多少利息。现在银行的存款利率那叫一个五花八门，活期利率低得可怜，跟没有似的，咱就不考虑了。咱就说说常见的 定期存款。要是存个一年期定期，利率大概也就1.2%左右，这么一算，一年下来利息也就1.2万，平均到每个月，也就1000块。这点钱，在现在这个物价飞 涨的时代，能干啥呀？房租一交，估计就没剩几个子儿了，吃饭都得精打细算，更别说出去旅游、买新衣服了。 那要是存个三年期定期呢，利率能高一点，大概2%左右。这样一年下来利息能有2万，每个月大概1666块。乍一看，好像比一年期强多了，可仔细一琢磨， 还是不够花啊。现在随便租个像样点的一居室，在二线城市都得2000块左右，这还没算水电费、物业费呢。再买点生活用品、蔬菜水果，一个月下来，这钱 又所剩无 ...

Core Insights - The banking wealth management industry is experiencing stable and healthy development, with a total product scale exceeding 29 trillion yuan and cumulative returns of 206 billion yuan in Q1 2025 [1][4] Group 1: Market Scale and Structure - As of the end of Q1 2025, the total number of wealth management products in China reached 40,600, with a year-on-year growth of 0.67%, and the total scale of existing products was 29.14 trillion yuan, reflecting a year-on-year increase of 9.41% [1] - The majority of wealth management products are open-ended, accounting for 81.06% of the total scale, while closed-end products make up 18.94% [2] - Fixed income products dominate the market, with a scale of 28.33 trillion yuan, indicating a low risk appetite among investors [2] Group 2: Investor Trends - The number of wealth management investors continues to grow, reaching 126 million in Q1 2025, with total returns of 206 billion yuan generated for investors [4] - The increasing investor base is crucial for market growth, providing a stable source of long-term funds and enhancing the resilience of the wealth management industry [4] Group 3: Product Innovation and Education - There is a need to optimize the structure of wealth management products to improve market efficiency and support the development of innovative enterprises [3] - Recommendations for product optimization include enhancing investor education, improving market conditions, and promoting diversified product offerings [3] Group 4: Distribution Channels - Wealth management companies are expanding their distribution channels beyond their parent banks, with 575 institutions involved in selling wealth management products as of March 2025, an increase of 80 from the previous year [7] - The expansion of distribution channels is expected to create new market growth opportunities and reach a broader investor base [7] Group 5: Regulatory Developments - The recent issuance of the "Management Measures for Commercial Banks' Agency Sales Business" will enhance the regulation of agency sales, improving transparency and protecting investor rights [8] - The new regulations will clarify the responsibilities of banks, wealth management companies, and third-party institutions in agency sales, promoting a more professional and compliant market environment [8][9]

登录新浪财经APP 搜索【信披】查看更多考评等级 证券代码：688372 证券简称：伟测科技 公告编号：2025-035 转债代码：118055 转债简称：伟测转债 上海伟测半导体科技股份有限公司 第二届董事会第十七次会议决议公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或者重大遗漏，并对其内容 的真实性、准确性和完整性依法承担法律责任。 一、董事会会议召开情况 上海伟测半导体科技股份有限公司（以下简称"公司"）第二届董事会第十七次会议于2025年5月8日以现 场及通讯相结合的方式召开。本次会议通知已于2025年5月5日以电子邮件的方式发出。本次会议由公司 董事长骈文胜先生主持，本次会议应出席董事8名，实际出席董事8名。本次会议的召集、召开方式符合 有关法律、法规和《公司章程》的规定。 二、董事会会议审议情况 1、审议通过《关于作废2024年限制性股票激励计划部分已授予尚未归属的限制性股票的议案》 公司本次部分已授予但尚未归属的限制性股票的作废失效符合《上市公司股权激励管理办法》等法律、 法规和规范性文件以及公司《2024年限制性股票激励计划（草案）》中的相关规定，亦在公司2024第 ...

Core Insights - The Guangzhou International Financial City is positioned as a key area in the "14th Five-Year Plan," aiming to become a major financial hub in the Guangdong-Hong Kong-Macao Greater Bay Area with an annual investment scale exceeding 786.6 billion yuan [1] - The project aims to attract over 500,000 jobs and 300,000 office workers, releasing approximately 4.6 million square meters of commercial office space, and has already attracted over 60 financial giants in 2023 [1][27] Group 1: Strategic Development - The financial city is part of the "Two Zones and One Center" initiative, which includes an international comprehensive financial center and a cross-border wealth management and asset management center [1] - The project is designed to create a "one core, one hub, three wings" industrial cluster effect, linking major development areas such as Tianhe Smart City and Pazhou Convention Center [1] Group 2: Landmark Architecture - The project features a landmark building designed by BENOY, with a total construction area of 350,000 square meters, including 130,000 square meters of super-grade A office space and 130,000 square meters of new retail [2] - The main tower stands at 321 meters, equipped with a 16-meter high lobby and designed to meet the large-scale office needs of financial institutions [2] Group 3: Transportation Network - The project incorporates a three-dimensional transportation system, connecting to the metro and major roadways, facilitating quick access to key areas within the Greater Bay Area [3] - It includes 1,573 smart parking spaces and can accommodate over 150,000 daily visitors, establishing a core hub for business within the Pearl River Delta [3] Group 4: Financial Services Ecosystem - The project includes a "Wealth Corridor" area focused on high-end financial services such as wealth management and private banking, providing customized reception spaces for financial institutions [4] - The integration of office, service, and lifestyle elements aims to create a comprehensive ecosystem for financial services [4] Group 5: Industry Collaboration - The project is positioned as the largest mixed-use development in the financial city, focusing on attracting both domestic and international financial institutions and fintech companies [5] - It aims to enhance the efficiency of the financial ecosystem through smart management systems and premium property services [5] Conclusion - The project is set to redefine financial business spaces in the Greater Bay Area, integrating architectural aesthetics, industrial planning, and transportation hubs to create a strategic business platform for global financial institutions [6]

Group 1 - Company announced the sale of a large transferable certificate of deposit from Industrial Bank to Tongwei for a consideration of 52.8325 million RMB on March 21, 2025 [1] - On May 8, 2025, the company purchased a large transferable certificate of deposit from Industrial Bank for 53.0363 million RMB [1] - The total unpaid principal amount of financial products held by the company at Industrial Bank is 250 million RMB, which includes a 70 million RMB large transferable certificate of deposit and a 130 million RMB structured deposit [1] Group 2 - On May 8, 2025, the company entered into a structured deposit agreement with Zheshang Bank, agreeing to subscribe to two structured deposits, each with a principal amount of 200 million RMB [1] - The total unpaid principal amount of financial products held by the company at Zheshang Bank is 550 million RMB, including two structured deposits of 75 million RMB each and the two new structured deposits of 200 million RMB each [1] Group 3 - On May 8, 2025, the company entered into a structured deposit agreement with China Merchants Bank, agreeing to subscribe to a structured deposit with a principal amount of 100 million RMB [2] - The total unpaid principal amount of financial products held by the company at China Merchants Bank is 300 million RMB, which includes a 200 million RMB structured deposit and the new 100 million RMB structured deposit [2] Group 4 - On May 8, 2025, the company entered into a structured deposit agreement with CITIC Bank, agreeing to subscribe to a structured deposit with a principal amount of 250 million RMB [2] - The total unpaid principal amount of financial products held by the company at CITIC Bank is 400 million RMB, which includes a 150 million RMB large transferable certificate of deposit and the new 250 million RMB structured deposit [2]

近日，武汉金融控股（集团）有限公司（以下简称"武汉金控"）发布关于子公司涉及重大诉 讼的公告，子公司华源证券股份有限公司（以下简称"华源证券"）因与吉林蛟河农村商业银 行股份有限公司（以下简称"蛟河农商行"）的侵权责任纠纷被起诉。这一诉讼的背后，牵涉 出一桩9年前的理财纠纷案件。 2016年，蛟河农商行将20亿元资金委托给陆家嘴国际信托有限公司（以下简称"陆家嘴信 托"）设立信托，并用于投资华源证券定向资管，定向资管资金则用于购买邮储银行发行的 理财产品。 2016年10月至11月，蛟河农商行与陆家嘴信托签订一笔信托合同及补充协议，将20亿元资金 委托给陆家嘴信托设立信托，信托资金用于投资华源证券销售管理的"九州证券启航 31 号定 向资产管理计划"，定向资管资金则用于购买邮储银行发行的"财富月月升"理财产品。 对于上述定向资管资金，华源证券和邮储银行武威市文昌路支行签订了《人民币理财产品公 司客户认购协议书》，并与邮储银行武威市分行签订了具有保本保收益担保性质的多项协 议。 然而，这笔资金在购置理财产品不久后就遭遇了诈骗。据原银监会通报，2016年12月末，邮 储银行甘肃省分行对文昌路支行核查中发现，蛟河农 ...

蛟河农商行认为，华源证券在业务中存在过错，致使其15%的 本金及利息损失无法获赔，因此要求华源证券赔偿本金损失 2.95亿元及利息损失，并返还相关账户余额和费用。这起横跨 信托、证券、银行三大金融领域的案件再掀波澜。 作者：蔡越坤 封图：图虫创意 一则公告，揭开了一起牵涉20亿元的理财诈骗案件。华源证券股份有限公司（下称"华源证券"） 与吉林蛟河农村商业银行股份有限公司（下称"蛟河农商行"）之间的重大诉讼随之浮出水面。 2025年4月30日，武汉金融控股（集团）有限公司（下称"武汉金控"）发布公告称，其子公司华 源证券因与蛟河农商行的侵权责任纠纷被起诉。 案件涉及产品为"陆家嘴信托·瑞安6号单一资金信托"。该信托资金用于投资华源证券管理的"九州 证券启航31号定向资产管理计划"。该计划资金用于购买中国邮政储蓄银行发行的"财富月月升"理 财产品，涉及金额20亿元。但实际上这笔资金仅有6亿元成功认购了理财产品，且被犯罪分子通过 伪造华源证券印鉴等手段提前赎回、转移并占有；剩余14亿元未成功认购理财。 此前，最高人民法院判决中国邮政储蓄银行武威市文昌路支行（下称"邮储文昌路支行"）对蛟河 农商行资金损失承担85%的 ...