炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ 中证协在案例评析中表示，对证券公司而言，处理投诉时，不能仅局限于解决客户当前提出的诉求（如 销户），需主动挖掘诉求背后的真实需求，并提供符合监管要求的多元化解决方案，既能满足客户需 求，又能减少账户流失，实现"客户满意、机构受益"的双赢。投诉处理中，采用"共情+专业"的沟通方 式至关重要。先理解客户因流程受阻产生的不满情绪，再以通俗易懂的语言解释合规依据，同时提供具 体、可操作的解决步骤，能有效化解客户误解，提升和解成功率。应引导服务人员从"被动回复"转 向"主动服务"，避免仅关注流程合规而忽视客户需求。 更值得关注的是系统与流程的"不友好"。在账户信息变更投诉处理案例中，券商APP系统因无法识 别"异地补办身份证导致签发机关与证件地址不一致"这一正常情况，将客户提交的申请屡次驳回，并强 硬要求临柜办理，忽视了客户的实际困难。在业内人士看来，这暴露出部分机构在风险控制与客户服务 体验之间失衡，过度依赖刚性规则而缺乏灵活、智慧的核实手段与替代方案。 服务及费用类投诉直击经纪业务的核心商业环节，矛盾焦点在于收费的透明度以及投资者对收费合理性 ...

自通知发布之日起，合作单位可通过郑商所投资者教育项目在线管理系统，于活动开展前至少10个工作 日提交申请，特殊情况应另行说明。活动截止日期不晚于2026年11月30日。郑商所鼓励在"3·15国际消 费者权益日""5·15全国投资者保护宣传日""防非宣传月""金融教育宣传周""世界投资者周"等重要时间节 点开展活动，建议各合作单位有规划、分阶段、主题鲜明地开展高质量投教专项活动。（鲍仁） 据了解，郑商所2026年度投资者教育专项活动以"知权利辨风险守合规"为主题，围绕郑商所上市品种和 业务，面向期货市场交易者、行业从业人员及社会公众，组织开展知识教育、普法教育、适当性教育、 风险警示教育、知权维权教育，并把适当性教育、风险警示教育和知权维权教育作为重点。 本报讯 郑商所近日发布通知，拟支持合作单位开展2026年度投资者教育专项活动。 ...

炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ 本报记者 王 宁 炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ 春节前最后一个工作日，在北京市朝阳门INN大厦5层办公的多数公司已开启放假模式，但位于东南角 的徽商期货北京分公司却依旧灯火通明，除个别前台员工外出，其余工作人员仍坚持在岗。该分公司总 经理赵丽丽告诉记者，春节期间虽然国内市场休市，但期货公司对客户的服务并不会"打烊"，每天的风 险提示、基本面消息推送等服务都要及时。 据记者了解，春节长假期间，多家期货公司通过风险监控、投资者教育、节后预案制定等措施，全力守 护各类交易者的"钱袋子"，积极赋能实体企业，确保其能够过好幸福年。 中粮期货客户中心相关人士表示，中粮期货系统性开展节前投教与风控工作，确保交易者能够掌握假期 国内外市场风险：一是强化风控前置提示，向全体客户推送详细风控提示，明确假期保证金调整比例及 外盘风险；二是发布节前板块专题，研究团队分品种、分板块撰写节前风险专题，解析各品种潜在风险 评级和波动影响；三是丰富投教宣传载体，增强客户识别与抵制能力；四是加强假期市场监测，安排专 人值守，密 ...

专题：补偿落地！国投白银LOF估值调整专项方案正式发布 来源：投基摸狗 方案出来了，而且还超预期了，真不容易，赶在春节之前出来了，也算是让投资者过个好年。 我说说我的看法。 这是方案的具体公告： 我们遵循分层分类、便捷可靠的原则制定本方案，以最大限度保护投资者特别是中小投资者的合法权 益。方案适用范围为国投瑞银白银期货证券投资基金（LOF）以2026年2月2日净值确认赎回（含2026年 1月30日15点之后至2月2日15点之前提交赎回申请）的自然人投资者，不含机构投资者。 具体方案如下： 今天已经是除夕前一天，春节也放假了，大部分人应该是回家或是在回家路上了，今晚出方案，应该是 假期加班的结果，都不容易。 赶在春节前出方案，也及时回应了投资者关切，让投资者过个好年。 1．对估值调整影响金额（由-17%调至-31.5%的部分）为1000元以下的自然人投资者，按实际影响金额 全额确定和解金额（该部分投资者占当日赎回投资者的比例超9成）。 2．对估值调整影响金额（由-17%调至-31.5%的部分）超过1000元（含）的自然人投资者，在1000元基 础上加上超1000元部分乘以一定比例确定总和解金额。 第一、说实话， ...

Core Viewpoint - The article discusses various grassroots financial education activities organized by multiple securities firms during the Spring Festival, aiming to enhance investor awareness and participation in financial literacy while addressing the rise of illegal financial activities during this period [1][2]. Group 1: Financial Education Activities - Securities firms have organized community events such as Spring Festival garden parties, where residents engage in games like financial knowledge quizzes and anti-fraud knowledge contests to learn about financial concepts [2][4]. - Activities include interactive elements like writing Spring Festival couplets and financial knowledge spinning wheels, making the learning process enjoyable and culturally relevant [4][5]. - Over a dozen securities firms, including Dongwu Securities and Huabao Securities, have launched similar festive educational activities targeting grassroots communities since late January [4]. Group 2: Innovative Approaches - Some firms, like Kaisheng Securities, have integrated traditional crafts with financial education, creating themed events that promote anti-fraud awareness and rational investment concepts through hands-on activities [5]. - The use of MBTI personality tests in investment profiling has been introduced by firms like Zhongxin Jianshe Securities, allowing investors to receive personalized investment reports based on their preferences and behaviors [7][8]. Group 3: Online and Offline Integration - Firms are leveraging both online and offline channels to maximize the reach and impact of their educational initiatives, ensuring comprehensive coverage of their activities [9]. - Zhongxin Jianshe Securities has developed a mini-program for investment education, enhancing accessibility and engagement through digital platforms [7][9]. Group 4: Challenges and Future Directions - Despite the success of these initiatives, there are challenges in making financial education sustainable and effective, particularly in adapting content to meet the diverse needs of different community demographics [10][12]. - Suggestions for improvement include establishing fixed educational service points in community centers and enhancing collaboration among various stakeholders to create a more integrated approach to financial education [12].

Core Insights - The event "马上发财书店许愿局" organized by China Fund News in collaboration with Southern Fund and Bosera Fund aimed to integrate financial literacy with reading culture, providing an immersive experience for investors to learn about asset allocation for 2026 [1][9] Group 1: Event Overview - The event featured a blend of online and offline interactions, including a wish wall where investors expressed their financial aspirations, highlighting the public's urgent need for scientific financial management [2] - The event's theme focused on guiding investors on how to effectively allocate their assets in the new year, transforming abstract investment concepts into tangible learning experiences [1][2] Group 2: Professional Insights - Two fund managers provided in-depth market analysis, discussing domestic economic outlooks and industry opportunities, emphasizing a positive trend in corporate profits and inflation for 2026, particularly in the consumer sector [3][4] - The fund managers also cautioned investors about the volatility associated with hot assets like AI and gold, advising a rational approach to market sentiment and the importance of diversified asset allocation [4][5] Group 3: Educational Resources - A new reading list was introduced to bridge investment education and reading, featuring books suitable for both novice and advanced investors, thereby fostering a culture of continuous learning [6] - The reading list included titles that cover fundamental investment strategies and classic investment philosophies, aiming to enrich investors' understanding of market dynamics [6] Group 4: Investor Education Initiatives - The China Fund News Investor Education Base was introduced as a public, open platform aimed at enhancing financial literacy and promoting rational investment concepts, with over 14 million followers across its platforms [7] - The education base collaborates with over 180 financial institutions to conduct public educational activities, reaching more than 10 million users and focusing on the needs of younger investors [7] Group 5: Interactive Engagement - The event included a Q&A session where fund managers addressed specific investor queries, enhancing the relevance of the educational content and correcting common misconceptions about investment strategies [8] - This interactive format allowed for a direct connection between fund managers and investors, facilitating a better understanding of market dynamics and investment decision-making [8]

2月11日晚间，光大银行公告两则重要人事变动，聘请杨文化为该行副行长兼首席合规官，同时聘请汪永奇为该行副行长，进一 步充实了该行高级管理层。 21世纪经济报道记者张欣 （图源：光大银行公告） 此前本报记者已报道，光大银行2026年工作会议上，杨文化便以行领导身份参会；与此同时，光大银行官网高管一览介绍中， 杨文化也明确为党委委员。在光大银行近20年的任职经历中，杨文化主要集中在信贷审批、资产保全、特殊资产管理和法律合 规等中后台风控与合规岗位，长期担任部门负责人。（详见本报报道《光大银行总行管理层迎新杨文化调任党委委员》） 鉴于杨文化在今年年初已被官宣纳入行领导序列，因此此次人事变动中，市场聚焦在汪永奇的任命上。 公开履历显示，汪永奇原为光大银行北京分行党委书记、行长。2024年7月，其北京分行行长任职资格获北京金融监管局核准。 更早之前，在2019年11月至2024年7月期间，汪永奇担任光大银行零售业务部零售资深业务总监、零售与财富管理部总经理。 光大银行北京分行成立于2000年，是光大银行旗下核心一级分行，在全行经营发展中占据战略地位。该行依托首都区位优势， 聚焦科技金融、绿色金融、普惠金融、养老金融、数 ...

为贯彻落实国家关于加强金融消费者权益保护的政策要求，积极履行金融企业的社会责任、帮助投资者保护个人财富，泰康基金充分把握岁末年初的有利契 机，针对"一老一小"重点群体，开展了一系列形式多样、内容丰富的投资者陪伴活动，切实筑牢金融安全防线，助力居民守护幸福生活。 一、走进商场排忧解难，悉心守护"银发族" 1月23日，在春节临近之际，泰康基金投教团队走进人流密集的双井物美超市，搭建起喜庆且温馨的金融知识宣传展台，将专业的投资者保护服务送到民众 身边。 鉴于老年群体风险防范意识相对薄弱、易受非法集资诱惑的特征，活动特别设立了金融知识互动答题环节，题目内容包含"防非反诈""养老投资"及"基础金 融知识"三大板块。现场工作人员通过单选、多选及判断题等多种形式的有奖问答互动，引导过往长辈参与其中。面对老年人的咨询，工作人员耐心地将晦 涩难懂的金融术语转化为通俗易懂的日常话语，结合近期高发的诈骗案例进行风险提示，手持"投资不投机 才能避危机"等宣传标语，助力百姓提高警惕， 守好养老资金。这种贴近群众、富有温度的宣传形式，不仅增添了节日的喜庆氛围，更使防非反诈知识深入人心。 二、寓教于乐开启财商，播种未来"新希望" 2月3日 ...

Core Viewpoint - The futures market is becoming a crucial support for real enterprises to manage risks and stabilize operations amid a complex international environment and domestic economic adjustments [1][2]. Group 1: Challenges Faced by Real Enterprises - Real enterprises are currently facing unprecedented operational challenges due to severe price fluctuations, supply chain restructuring, and macro policy divergence [1]. - The steel industry, for example, has seen an 18% year-on-year decline in average rebar prices for 2024, with some steel mills' sales profit margins dropping below 1% [2]. - Over 60% of small and medium-sized steel enterprises have a hedging ratio of less than 20%, indicating a significant lack of risk management capabilities [2]. Group 2: Role of Futures Tools - Futures tools are increasingly viewed as a "stabilizer" for enterprises to mitigate risks [2]. - The futures market provides authoritative forward price signals that help enterprises plan production effectively [2]. - By utilizing hedging operations, enterprises can transfer price fluctuation risks, locking in costs and profits [2]. Group 3: Innovative Service Models - The "six-step" full-chain service model developed by Yong'an Futures in collaboration with Liuzhou Steel is a typical example of how futures tools assist enterprises in managing operational risks [3]. - This model includes developing hedging management methods, cultivating delivery qualifications, and creating a complete service ecosystem [3]. - The registration of the first 5,190 tons of rebar warehouse receipts helped Liuzhou Steel avoid potential losses of 1.2456 million yuan [3]. Group 4: Service System Development - Yong'an Futures has established the "Yongdong Qihang" industry service brand, covering the entire lifecycle of enterprises from startup to maturity [4]. - The company has served 16,000 real enterprises and has been recognized as one of the "Top 500 Service Enterprises in China" for five consecutive years [4]. Group 5: Technological Advancements - The "Yongyiqi" one-stop intelligent service platform has transformed traditional service models, significantly improving service efficiency by reducing processing times for warehouse receipts and delivery [5]. - The platform has served over 1,000 enterprises, facilitating a shift from offline manual operations to online intelligent services [5]. Group 6: Investor Education Initiatives - Yong'an Futures is addressing the lack of understanding of the futures market by implementing a comprehensive investor education strategy [6]. - The company has established a national service network and launched various educational products to enhance awareness and understanding of futures tools [6]. Group 7: Future Directions - The futures industry needs to continue enhancing service upgrades and educational innovations to help enterprises better understand and utilize futures tools for risk management [7]. - By promoting professional, diverse, and engaging educational methods, the industry aims to strengthen its role in supporting the real economy and contributing to national strategies [7].

Core Insights - The futures market has evolved significantly since its establishment in Chicago in 1848, with nearly 90 exchanges globally and over 2000 futures and options products by the end of 2024, covering various sectors of the economy [1] Group 1: Nature and Function of the Futures Market - The futures market serves as both a commodity trading market and a financial investment market, where futures contracts act as both sales contracts for commodities and investment tools [1] - Producers use the futures market to sell contracts in advance to hedge against price fluctuations, ensuring sustainable operations [1] - Speculators trade futures contracts to profit from price volatility while providing liquidity for hedging activities of real enterprises [1][2] Group 2: Development Needs of the Futures Market - The development of the futures market requires participation from various investors, emphasizing the importance of investor education and market cultivation due to its high specialization and leverage [2] - There is a need for foundational theoretical research and promotion to clarify the market's dual nature and operational mechanisms [3] - Training for industry professionals, including regulators and intermediaries, is essential to ensure they understand commodity markets, financial investments, and financing methods [3] Group 3: Institutional and Systematic Innovations - Entities must innovate organizational structures to facilitate differentiated services for producers and speculators, ensuring effective regulatory coordination [4] - A comprehensive set of regulations is necessary to enhance trading efficiency and reduce costs, linking futures and spot markets effectively [4] - The futures market should expand its product offerings to meet the needs of producers, ensuring that standardized contracts are available for all competitive and scalable commodities [4] Group 4: Policy and Support Mechanisms - Policies should aim to reduce taxes and fees for entities participating in the futures market while enhancing infrastructure for financial investments [5] - Futures companies play a crucial role in providing integrated services for commodity trading and financial investment, including risk management and investor education [6] Group 5: Differentiated Development of Futures Companies - Futures companies can be categorized based on their shareholder backgrounds, such as those linked to real enterprises, brokerage firms, or banks, each offering unique advantages [6][7] - Companies with real enterprise backgrounds can leverage supply chain data and customer resources to provide tailored risk management solutions [6] - Brokerage-backed futures companies can create synergies with securities markets, enhancing customer engagement and service offerings [7] - Bank-affiliated futures companies can provide comprehensive services that integrate financing, trading, and risk management, supporting the healthy development of the real economy [7]