面对"基金赚钱、基民不赚钱"的困境，此次改革方案提出，公募基金考核机制要进行力度空前的改革，强调优化基金 运营模式，并围绕基金公司收入报酬与投资者回报的绑定提出了具体要求。 资管行业的本质是"受人之托，代客理财"。本次《方案》中明确提出，建立浮动管理费收取制度、强化业绩比较基准 约束作用、修订主动管理权益类基金信息披露模板、以及稳步降低基金投资者成本等。 其中，在浮动管理费方面，方案要求对新设立的主动管理权益类基金大力推行基于业绩比较基准的浮动管理费收取模 式；在降低基金投资者成本方面，方案提出引导行业机构适时下调大规模指数基金、货币市场基金的管理费率与托管 费率。 实际上，公募基金的降费已经在路上。为降低投资者的理财成本，根据相关要求，中银基金自2025年3月21日起旗下 部分指数基金指数使用费调整为由基金管理人承担，调整后公司旗下全部指数基金的指数使用费均由基金管理人承 担。 此外，分红一直是与投资者分享投资收益的方式。2024年公司共分红90次、累计分红超36亿元，未来公司还将继续努 力持续维持分红力度，切实提升投资者的投资获得感。（数据来源：iFind） 证监会于5月7日印发《推动公募基金高质量发展行 ...

Core Viewpoint - The 2024 annual report on the cultural construction practices of securities companies highlights the importance of promoting and practicing Chinese financial culture as a core element for the industry, aiming to enhance business growth and support the creation of first-class investment banks [1][7]. Group 1: Cultural Construction - Securities companies are focusing on strengthening the professional ethics of their employees and actively implementing the "Five Musts and Five Must Nots" practice requirements to create a new pattern where culture leads business and brand drives growth [1][2]. - Guotai Junan Securities is exploring the establishment of an IT-specific subculture system to enhance the cultural foundation for high-quality financial technology development [2]. - Industrial Securities is deepening its integrity culture through comprehensive measures, including revising compliance documents and conducting employee education to reinforce the foundation of integrity culture [2][3]. Group 2: International Expansion - Chinese securities firms are accelerating their international expansion, particularly in Southeast Asia and the Middle East, aiming to make international business a new engine for performance growth [4]. - China Galaxy Securities reported an international business revenue of 2.173 billion yuan, a year-on-year increase of 8.29%, establishing itself as a significant performance pillar [4]. - CICC has achieved a global layout breakthrough with the operation of its Vietnam representative office and the establishment of its UAE branch, leading the market in serving Chinese enterprises' global IPOs with a total financing scale of 4.424 billion USD [4]. Group 3: Investor Education - The securities industry is expanding innovative forms of investor education, integrating it into customer service, compliance operations, and brand building [5][6]. - Dongfang Securities launched the "Dongfang Star Investor Education" brand, enhancing internal employee training and promoting industry culture through various external activities [6]. - Huolong Securities created an engaging educational IP character inspired by traditional culture, using animated storytelling to teach investment principles in an interactive manner [6].

● 本报记者 赵中昊 上述中泰证券相关负责人表示，公司认真落实"五要五不"实践要求，将文化建设成果体现在发展实效之 中。公司坚持诚实守信，恪守职业道德，致力于当好资本市场的"看门人"，2024年A股IPO过会单数位 居行业第5位，发行单数位居行业第6位，创下历史最好成绩，并在2024年证券公司投行业务质量评价、 债券业务执业质量评价中均获A类。 公司坚持以义取利，强化责任担当，签约贵州省从江县等22个帮扶县，实施产业、智力、生态、公益等 一系列帮扶项目，连续四年荣膺"山东社会责任企业"称号。公司坚持稳健审慎经营，筑牢风控防线，推 动风险资产余额和占比实现双下降，子公司万家基金、中泰资管主动管理产品长期业绩位居行业前列。 公司坚持守正创新，服务实体经济，主动融入和服务重大战略，做好金融"五篇大文章"。Wind数据显 示，2024年，中泰证券为240余家企业股债融资超1500亿元。公司坚持依法合规，夯实发展根基，守 牢"合规展业、廉洁从业"两条底线，加强合规绩效考核，开展合规培训、警示教育，员工合规和廉洁意 识持续提升。 中泰证券表示，此次发布《工作方案》是公司落实中央、山东省委和证券行业关于培育弘扬中国特色金 ...

Core Viewpoint - The China Construction Bank (CCB) emphasizes the importance of learning from the exemplary deeds of Zhang Fuqing, promoting a culture of dedication and service within the organization [1][2]. Group 1: Event Overview - CCB held a seminar to honor the fourth "Zhang Fuqing-style Most Beautiful CCB Person" awardees, with key leadership present, including Chairman Zhang Jinliang and President Zhang Yi [1]. - The bank has established May 24 as "Learning Zhang Fuqing Day" since 2020, aiming to instill the spirit of Zhang Fuqing in its employees [1]. Group 2: Key Messages from Leadership - Zhang Jinliang highlighted that the spirit of Zhang Fuqing aligns with the bank's cultural values and serves as a motivational force for employees [2]. - He outlined four key requirements for further learning from Zhang Fuqing's example: 1. Transform admiration into action by being proactive and diligent [2]. 2. Embrace responsibilities in supporting the real economy and innovation while focusing on underserved sectors [2]. 3. Face challenges head-on with a resilient spirit and a willingness to overcome difficulties [2]. 4. Maintain a sense of respect and discipline, integrating the learning of Zhang Fuqing's deeds with adherence to regulations [2].

转自：凤凰网 金融是国民经济的血脉，是国家核心竞争力的重要组成部分。近期，工行宁波市分行深入贯彻落实好党 中央关于金融工作的大政方针和决策部署，强化使命担当，在中国式现代化整体布局中把握职责、找准 定位、谋实发展，全面提升金融竞争力和带动力，全力支持宁波现代化滨海大都市建设，以金融高质量 发展助力走好建设金融强国之路。 党建统领 坚持和加强党的全面领导 "加强党中央对金融工作的集中统一领导，是做好金融工作的根本保证。"工行宁波市分行毫不动摇坚持 和加强党的全面领导，自觉在思想上行动上和党中央保持高度一致，确保经营管理始终沿着正确的方向 前进。 工行宁波市分行深刻领会"两个确立"的决定性意义，增强"四个意识"、坚定"四个自信"、做到"两个维 护"，深刻把握金融工作的政治性、人民性，坚决贯彻落实"八个坚持"，坚持不懈用党的创新理论凝心 铸魂，深化落实"第一议题"制度，抓好党委理论学习中心组学习和各级党组织"三会一课"，结合巩固主 题教育成果、开展党纪学习教育，把党的创新理论的学习成效转化为做好金融工作的强大动力。深入落 实新时代党的组织路线，不断健全干部发现选拔培养常态化工作机制，着力打造"甬为领军"、"甬为先 ...

Group 1 - The article presents a curated list of recommended economic and management books that aim to help professionals and entrepreneurs understand economic trends and business evolution in a time of uncertainty and opportunity [3] - The list includes various genres, such as autobiographies of successful entrepreneurs, practical manuals dissecting case studies, and guides that reinterpret traditional theories [3] - Each book is positioned as a potential source of insights and answers for readers seeking to navigate the complexities of the modern economic landscape [3] Group 2 - "The Right Path" by Su Jingzhi chronicles the journey of the former CEO of Yum China, detailing the growth of the company from a few KFC outlets to a major player in the Chinese restaurant industry, emphasizing brand rebuilding and crisis management [5] - "Chinese Financial Culture" by Dong Yun explores the historical and cultural underpinnings of China's financial development, arguing that understanding these elements is crucial for grasping the unique characteristics of China's financial system [8][9] - "Real Estate Development Insights" by Xia Dong analyzes the current state and future trends of the Chinese real estate market, offering a comprehensive framework for understanding its evolution and transformation [12] - "American Business History" by Wu Yunxian provides an extensive study of the evolution of American enterprises, focusing on technological innovation and industry iteration as key drivers of economic growth [14] - "The Power of Money" by Paul Sheard discusses the multifaceted role of money in the economy, including government debt, central banking, and the impact of monetary policy on wealth and inequality [30]

Core Viewpoint - Qilu Bank is actively cultivating and promoting a distinctive financial culture in China, integrating cultural elements into its core competitiveness to achieve high-quality development [1][2][5] Group 1: Cultural Development - Qilu Bank emphasizes the importance of deep learning to enhance ideological motivation, focusing on the internalization and transformation of financial culture [2] - The bank has established the "Qilu Lecture Hall" to improve employees' political literacy, professional skills, and innovative thinking, thereby supporting strategic implementation [2] - A strong atmosphere for promoting Chinese financial culture has been created internally through various activities and initiatives [2][6] Group 2: Practical Implementation - Qilu Bank is committed to practical actions that yield effective results, aligning with national financial service directives in areas such as technology, green finance, and inclusive finance [3][4] - The bank has launched innovative financial products like research loans and sustainable development-linked loans to support local economic growth and green transformation [4] - It has developed a comprehensive service system for enterprises, integrating various financial services to enhance digital finance capabilities [4] Group 3: Cultural Innovation - Qilu Bank focuses on creativity and innovation in its cultural initiatives, establishing a corporate culture system centered on "home culture" [5] - The bank has defined seven core cultural concepts and seven functional cultural principles to guide decision-making and service delivery [5] - It has achieved recognition in various competitions, reflecting its commitment to enhancing the public's understanding and trust in the financial industry [5]

Core Viewpoint - In 2024, the company achieved a consolidated operating income of 24.735 billion yuan, a year-on-year increase of 15.04%, and a net profit of 6.251 billion yuan, up 14.16% year-on-year, demonstrating stable and positive operational performance [1] Group 1: Business Development and Strategy - The company focuses on integrating business development with national strategic services, optimizing financing structures, and supporting the development of new productive forces [3] - It aims to enhance value discovery capabilities and improve project identification, valuation, and underwriting skills, while also supporting mergers and acquisitions [3] - The company has maintained its leading position in the New Third Board and ranked second in the Beijing Stock Exchange for underwriting and fundraising [3] Group 2: Asset Management and Client Services - The company emphasizes wealth management, achieving sales of financial products totaling 591.227 billion yuan, a growth of 25.08% year-on-year [4] - It has accelerated the transformation towards automated and public asset management, focusing on diversified product offerings [4] - The number of new clients increased by 763,600, with client securities custody value growing by 21.88% compared to the previous year [6] Group 3: Risk Management and Compliance - The company has received the highest A-class rating in investment banking business quality evaluation for 2024, indicating strong risk management capabilities [3] - It emphasizes compliance and governance, integrating party leadership with corporate governance to enhance operational effectiveness [8] Group 4: Investor Relations and Returns - The company has implemented a mid-term profit distribution plan for the first time in 2024, with cash dividends totaling 1.578 billion yuan, a year-on-year increase of 12.55% [9] - It has maintained a consistent cash dividend policy over the past ten years, with cumulative cash dividends amounting to 17.2 billion yuan [9] - The company has been recognized for its investor relations management and education efforts, receiving multiple awards for best practices [10] Group 5: Future Outlook - In 2025, the company will continue to follow the guiding principles of Xi Jinping's thought, focusing on enhancing core competitiveness and maintaining a risk-free operational environment [10]

3月12日，上海证券交易所正式向行业机构发布《关于进一步发挥交易所功能 引导行业践行中国特色金融 文化的行动方案》（以下简称《行动方案》）。此举旨在引导以证券公司和基金公司为主体的行业机构坚 持以人民为中心的价值取向，深刻把握资本市场的政治性、人民性，大力弘扬中华优秀传统文化，正确践 行"五要五不"中国特色金融文化，正确处理好功能性和盈利性的关系，助力资本市场高质量发展。 《行动方案》立足交易所功能发挥，聚焦弘扬和践行中国特色金融文化，围绕引领诚实守信的道德观、培 育以义取利的义利观、厚植稳健审慎的风险观、激发守正创新的发展观、强化依法合规的治理观，引导行 业机构把牢文化建设正确方向,坚守金融报国担当和为民情怀，将"五要五不"与主责主业有机融合，做中国 特色金融文化的践行者、引领者和传播者。 证券时报记者从行业机构获得的《行动方案》全文显示，在引领诚实守信的道德观方面，《行动方案》要 求行业机构自觉履行服务承诺，不逾越底线，自觉抵制欺诈发行、财务造假、内幕交易、操纵市场等违规 违法行为。行业机构要将诚信文化和自律监管要求有机融入公司治理体系，营造诚实守信的良好环境。要 切实履职担责，在保荐承销、财富管理、证券 ...

Core Viewpoint - Recently, Shenwan Hongyuan received honors for its commitment to volunteerism and financial culture, highlighting its dedication to the "finance for the people" philosophy [1]. Group 1 - The China Financial Ideological and Political Work Research Association and the China Volunteer Association announced the 2024 financial system Lei Feng activity demonstration points and model list, with Shenwan Hongyuan recognized for its contributions [1]. - Shenwan Hongyuan actively promotes and practices Chinese financial culture, organizing various volunteer service activities across its units and departments [1]. - The company encourages its employees to continue promoting the spirit of Lei Feng and participate in volunteer services as the 62nd National Lei Feng Memorial Day approaches [1].