Group 1 - The core viewpoint of the article indicates that the banking sector, particularly the major state-owned banks in China, is experiencing a decline in stock prices, with specific banks like Agricultural Bank down by 3.11% and Construction Bank down by 2.12% as of the report date [1] - Recent financial data for November shows a continued weakness in effective credit demand and a slowdown in deposit migration, which may impact the banking sector's performance [1] - The bond market has shown volatility, with 10-year and 30-year government bond yields rising to 1.84% and 2.25% respectively since early November, although the impact on bank trading positions is considered manageable [1] Group 2 - Long-term trends suggest that the recent mid-term dividend announcements by the four major state-owned banks typically lead to short-term stock price adjustments, as seen historically [1] - The mid-term dividend ex-dividend date for these banks has been moved up to December this year, with expectations that other large banks will follow suit with similar announcements around the end of the year and early next year [1] - If stock price adjustments occur due to ex-dividend trading factors, it may present a favorable opportunity for long-term investors to allocate funds [1]