北京商报讯（记者 岳品瑜 董晗萱）10月28日，据人民银行官网发布，在十四届全国人民代表大会常务 委员会第十八次会议上，人民银行行长潘功胜受国务院委托，向全国人大常委会报告2024年11月以来金 融工作情况。 金融业运行和监管工作情况方面，一是金融机构经营和监管指标保持在合理区间。2025年9月末，金融 业机构总资产超520万亿元。商业银行资本充足率15.36%、不良贷款率1.52%，保险公司综合偿付能力 充足率186%，证券公司、期货公司平均风险覆盖率分别为295%、226%，均显著高于监管标准，损失抵 御能力总体充足。 二是金融市场顶住高强度外部冲击考验，预期明显改善、信心大幅提升。2025年4月全球金融市场大幅 震荡，我国金融市场受到高强度冲击。在党中央坚强领导下，相关部门密切配合，打好政策"组合拳"， 探索丰富维护金融市场稳定的货币政策工具，拓展货币政策作用空间，推进新"国九条"及系列政策文件 落地，加快推动中长期资金入市，发挥中央汇金公司类"平准基金"作用，全力维护资本市场平稳运行。 2024年11月至2025年9月，上证综指累计上涨18.4%，2025年4月初以来快速企稳回升，10月突破3900 ...

Group 1 - The report indicates that the A-share market is expected to maintain a "slow bull" trend, benefiting from the new "National Nine Articles" policy and a similar "4 trillion" investment strategy [8][39] - The A-share market is projected to continue a wide fluctuation and gradual upward trend in November, with specific attention on sectors benefiting from the "15th Five-Year Plan" [4][39] - The report highlights that the major A-share indices have shown an upward trend in 2025, with the ChiNext Index and the Sci-Tech Innovation Board leading with increases of 48.09% and 48.53% respectively [2][10] Group 2 - The report emphasizes that the macroeconomic environment is expected to improve, particularly with the anticipated easing of US-China trade tensions and the positive outcomes from the recent economic discussions [4][20] - Domestic funding conditions are likely to remain relatively loose, driven by long-term capital inflows and a shift of household deposits towards equity markets [5][28] - The report notes that the industrial added value has maintained a year-on-year growth of over 6% in the first three quarters, with industrial profits showing a rebound trend [30][32] Group 3 - The report suggests that the Hong Kong stock market is expected to follow the US market and continue its upward trend, supported by anticipated interest rate cuts by the Federal Reserve [31][37] - The report identifies technology and new consumption sectors as key areas of focus for investment in the Hong Kong market [7][37] - The report highlights that the Hong Kong market has outperformed other major global equity markets in 2025, with significant increases in the Hang Seng Technology Index and the Hang Seng Index [6][31]