文 | 银行螺丝钉 （转载请注明出处） 祝大家中秋节快乐～ 以前在微博上，有一个很火爆的话题：一个刚毕业的大学生，手里有1万元，该做什么投资理财呢？ 螺丝钉认为，对年轻人来说，这1万元主要还是以积累经验为主。 可以体验一下各类基金品种的投资，比如掌握各种基金的投资技巧，体验股票基金的波动风险，给自己积累一些市场经验。 不过巧妇难为无米之炊，年轻人的主要精力还是应该放在如何增长自己的收入上面。 对年轻人，工作提升收入更重要 对于年轻上班族来说，认真工作，才是让自己资产变多的最佳途径，而不是靠投资。 刚工作不久的年轻人，努力工作几年，工资薪水大幅增长，并不困难。 但 年轻的时候手里资金少，就算等来了一轮牛市，收益率不错，但由于资产的总量少，实际上也解决不了太多的问题。例如手里就1万元，那即便 迎来一波牛市，也就再赚1万。解决不了太多生活问题。 年轻的时候，最主要的是努力拼搏，无论是上班工作还是努力创业，靠事业提升收入是最关键的。 等收入提升起来之后，可以依靠投资让积累的财富更好的增值。 不过，有一句话说的很好，选择比努力更重要。 如果一开始工作就选错了方向，即使自己非常努力，可能最后还是没有太好的成就。 什么样的 ...

Many fear the middle class is essentially disappearing, which is why it’s good to know the perimeters of this economic status and how to navigate them. You may assume that American upper-middle-class households are comprised of people earning the exact same income, and if you just reach that set number, you too will become an elite member of this economic class. Consider This: 7 Signs You’re Quietly Getting Rich, According to Frugal Living Expert Austin Williams Learn More: 10 Used Cars That Will Last Long ...

Core Viewpoint - The company has approved the use of idle self-owned funds to purchase bank wealth management products, with a limit of up to RMB 1 billion, to enhance fund utilization efficiency and overall performance [1][2]. Group 1: Investment Decision - The company held board meetings on August 14, 2025, and a temporary shareholders' meeting on September 4, 2025, to approve the investment plan [1]. - The company plans to use RMB 1 billion of its own funds for wealth management investments within one year from the approval date [1][2]. - The investment will be conducted through the Shenzhen State-owned Assets Management Platform [1]. Group 2: Investment Details - The company has signed an agreement with Huaxia Bank Shenzhen Branch to purchase structured deposits with an investment amount of RMB 1 billion [2]. - The investment will have varying annualized interest rates of 0.1%, 2.2%, or 2.35% [2]. - The investment period is from September 22, 2025, to September 22, 2026 [2]. Group 3: Impact and Risk Management - The investment is expected to improve fund utilization efficiency and enhance overall company performance while ensuring that daily operations are not affected [2]. - The company will implement a risk control framework, including separating decision-making, execution, and supervision functions [3]. - Continuous monitoring of product risk and regular audits by the internal audit department will be conducted to ensure fund safety [3].

Core Insights - Basketball star Kevin Durant and his agent Rich Kleiman revealed that they purchased a significant amount of Bitcoin about ten years ago, which has appreciated greatly in value since then [1][3]. Group 1 - Kleiman assisted Durant in buying Bitcoin in 2014 and 2015, initially investing a modest amount. The investment increased after Durant joined the Golden State Warriors, influenced by discussions among California business elites about Bitcoin [3][5]. - The exchange rate of Bitcoin to USD was approximately 1 to 1000 a decade ago, and it has since increased by over ten times. Kleiman estimates they purchased hundreds of thousands of Bitcoins, leading to substantial profits [5][7]. - Despite the significant appreciation, they are unable to access the Bitcoin due to Durant forgetting the password, which has rendered the investment locked away [3][7]. Group 2 - Durant has demonstrated strong financial acumen, seeking profit opportunities off the court, likely influenced by his teammate Andre Iguodala, who is known for his investment success [5][7]. - Kleiman's foresight in recognizing market trends and acting quickly is evident, although the forgotten password has turned the Bitcoin into a "treasure locked in a digital safe" [7].

Core Insights - Kevin Durant and his agent Rich Kleiman attended an event where Kleiman revealed he assisted Durant in purchasing a significant amount of Bitcoin a decade ago [1] - Kleiman helped Durant buy Bitcoin in 2014 and 2015, and after hearing discussions about Bitcoin at a birthday party, he facilitated further purchases [3] - The exchange rate for Bitcoin to USD was approximately 1:1000 at the time of purchase, and the value has since increased by over ten times [5] Investment Potential - Kleiman disclosed that he purchased at least several hundred thousand dollars worth of Bitcoin, resulting in substantial gains despite forgetting the password to access the account [5] - Kleiman remains optimistic about recovering the password and believes in the continued upward trend of Bitcoin [5] - Durant has demonstrated exceptional financial acumen and investment insight, benefiting from his experiences during his time with the Golden State Warriors [5][7] Influential Figures - Andre Iguodala, a former teammate of Durant, is noted for his investment prowess, often achieving profits from his investments and encouraging teammates to engage in financial ventures [5]

Core Viewpoint - The article discusses the dilemma between maintaining a high-paying job in the banking sector versus pursuing full-time investment opportunities, highlighting the potential benefits and risks associated with each choice [1]. Group 1: Investment Opportunities - The article raises the question of whether to abandon bank stocks in favor of technology stocks, suggesting a shift in investment strategy may be warranted [1]. - It notes that as of August, total deposits reached 161 trillion, indicating a significant amount of capital that remains uninvested in the A-share market, which could imply a lack of confidence or alternative investment strategies among investors [1]. Group 2: Market Sentiment - The sentiment towards traditional bank stocks is questioned, with the assertion that even established stocks may lack defensive qualities in the current market environment [1].

Core Insights - Kevin Durant's agent, Rich Kleiman, revealed that he helped Durant purchase a significant amount of Bitcoin around 2014 and 2015, which remains in their account today [1][3] - The initial exchange rate for Bitcoin to USD was approximately 1:1000, and the current value has increased more than tenfold, indicating a substantial profit from the investment [5] - Kleiman expressed confidence in recovering the password to access the Bitcoin account, despite the current market conditions being favorable [5][9] Investment Context - Durant's association with the Golden State Warriors and interactions with business-savvy teammates, particularly Andre Iguodala, contributed to his financial acumen and investment success [7] - Iguodala is noted for his investment prowess, influencing many of his teammates to engage in profitable investment opportunities [7] - Kleiman's foresight in recognizing the potential of Bitcoin and acting on it reflects a strategic approach to investment, although the oversight of forgetting the password presents a unique challenge [9]

Core Points - The company held its 11th board meeting on September 17, 2025, where it approved the purchase of bank wealth management products and the convening of the 6th extraordinary shareholders' meeting [1][3]. Group 1: Board Meeting Resolutions - The board approved the purchase of bank wealth management products with a total investment not exceeding RMB 10 billion, aimed at utilizing idle funds effectively [7][10]. - The board also approved the convening of the 6th extraordinary shareholders' meeting scheduled for October 9, 2025 [3][17]. Group 2: Investment Details - The investment will be made in fixed-income non-principal guaranteed floating return wealth management products and structured deposits from banks and their subsidiaries, excluding products from Zhuhai China Resources Bank [9]. - The investment period is from the approval date until October 9, 2026, with individual product terms not exceeding six months [10][11]. Group 3: Approval Process - The investment proposal has been reviewed and approved by the board and will be submitted to the shareholders' meeting for further approval [12]. - The investment does not constitute a related party transaction and complies with relevant laws and regulations [12]. Group 4: Shareholders' Meeting Details - The extraordinary shareholders' meeting will be held on October 9, 2025, with both on-site and online voting options available [18][27]. - Shareholders must register for the meeting between September 28 and September 30, 2025 [23][24].

Group 1 - The company announced on September 17 that it will utilize idle self-owned funds for investment in low to medium-risk financial products, with a maximum investment amount of RMB 2.5 billion, allowing for fund recycling within this limit [1][1][1] - The revenue composition for the company in 2024 is as follows: oral preparations account for 43.95%, pharmaceutical wholesale and retail account for 43.51%, injections account for 6.42%, other businesses account for 5.26%, and other categories account for 0.87% [1][1][1] - The current market capitalization of the company is RMB 10.7 billion [1][1][1]

Investment Business Overview - The company has approved the use of idle self-owned funds for investment and wealth management activities, with a total amount not exceeding 1.236 billion yuan [1][2] - The investment will focus on low-risk financial products issued by securities companies and reverse repurchase agreements of government bonds [1][2] - The approval is valid for 12 months from the date of the board meeting on August 20, 2025 [1] Risk Control Measures - The company adheres to prudent investment principles and conducts strict screening of issuers, selecting those with strong credit and fund security capabilities [2] - The purchased financial products are categorized as low-risk, although investment returns may be affected by market fluctuations [2] - The finance and audit departments will closely monitor the purchased financial products and will take timely measures to control investment risks if any potential risks to fund security are identified [2]