一个看似前景广阔的农牧项目、一份承诺年化xx%以上收益的"养牛合同"……近期，非法集资活动变 换"马甲"，将触角伸向了农业领域。近日，泸州银行叙永支行成功识别并拦截一起以养牛投资为幌子的 非法集资诈骗案件，有效保障了客户9.5万元财产安全。 当日上午9时40分，一名男性客户手持八张存单到达泸州银行叙永支行营业网点，预约提前支取存单， 金额共计9.5万元，声称资金将用于"养牛"投资。结合叙永本地养牛行业现状，以及近期新闻媒体曝光 的养牛投资诈骗案例，经办柜员对本笔业务产生警觉，耐心向客户询问养殖地点、投资盈利模式等关键 信息。该客户均含糊回应，其表述与此前新闻曝光的非法集资典型诈骗套路高度吻合。 责任编辑：栎树 经办柜员第一时间请现场主管协助沟通，现场主管介入核查发现，该客户与所谓"卖牛方"于2025年6月 添加微信好友，期间未有任何实质性沟通，同时客户声称本人涉及过养牛行业，曾签署相关合同，并且 反复催促工作人员尽快办理预约取款手续，强调"不要联系项目方老板，对方不会接电话"。该客户多种 反常举动，使疑点进一步加剧。 银行频道更多独家策划、专家专栏，免费查阅>> 为避免客户遭受财产损失，银行工作人员立即将情况 ...

询问过程中，法官了解到耿某并非真正认为法院的执行程序存在问题，而是对难以追回的欠款心有不 甘，遂希望能通过执行异议使法院继续执行。得知耿某真正想法后，法官先是向其释法明理，告知其法 院的裁定合法合规并无不当。而后继续开导耿某。 中新网吉林新闻12月12日电(雷霁霏)近日，长春经济技术开发区人民法院成功调解一起执行异议案件。 据悉，申请执行人耿某由于不认可法院对其执行案件裁定终结本次执行程序，认为法院未穷尽执行措 施，尚未查清被执行人的全部财产状况便终结本次执行，导致其权益受损，遂向法院提起执行异议程 序，请求撤销终结本次执行裁定。 承办法官在收到申请后，仔细查阅了原执行案件的卷宗并向执行法官了解案件具体情况，发现原执行案 件已穷尽调查措施，未发现被执行人有可供执行的财产，裁定终结本次执行也并无不当。于是便将耿某 约至法院进行询问。 通过法官的开导，耿某慢慢打开心结，对法院的裁定表示理解，当即提出撤回执行异议申请。 法官提醒，公众在市场活动中需增强风险防范意识，提高识别和抵御相关风险的能力，在与他人签订合 同前，应尽可能调查对方的信用状况及是否有履约能力，只有尽到审慎义务，才能避免此类案件再次发 生。一旦进入到 ...

文：中国国际期货股份有限公司 总经理 王兵 刚刚闭幕的中央经济工作会议，为2026年经济工作指明了方向、明确了路径。会议深刻分析当前经济形 势，系统部署明年重点任务，强调要"实施更加积极有为的宏观政策"，"持续防范化解重点领域风 险"，"着力推动高质量发展"等，为期货行业服务实体经济、助力构建新发展格局提供了根本遵循和行 动指南。中国国际期货将全面贯彻会议精神，立足主责主业，积极担当作为，为巩固和增强经济回升向 好态势贡献力量。 首先，紧扣扩大内需、优化供给，助力推进全国统一大市场建设。会议明确把"坚持内需主导，建设强 大国内市场"作为首要重点任务。基于此，我司将围绕农产品、能源、矿产等重要大宗商品，通过设 计、开放个性化、精细化的风险管理工具，为实体企业提供更加有效、更高水平的期货衍生品服务，增 强企业妥善应对大宗商品价格波动和汇率利率风险的能力，稳定企业经营预期，从而助力关键领域供应 链的安全保障和价格稳定，以及供给的优化和内需的提升。同时，我司还将深入研究开发有利于消费升 级、拓展服务消费新场景的产品和服务，通过丰富投资和风险管理选择，增强财富效应，间接助力消费 潜力释放。 其次，加大公司的金融科技投入 ...

早盘速递 2025/12/9 第 1 页，共 3 页 板块持仓 (300,000) (250,000) (200,000) (150,000) (100,000) (50,000) 0 50,000 100,000 150,000 200,000 250,000 Wind农副产品 Wind谷物 Wind化工 Wind能源 Wind煤焦钢矿 Wind有色 Wind商品综合 Wind软商品 Wind油脂油料 Wind贵金属 Wind非金属建材 近五日商品期货板块持仓变动 2025-12-08 2025-12-05 2025-12-04 2025-12-03 2025-12-02 | | | | 大类资产表现 | | | | --- | --- | --- | --- | --- | --- | | 类别 | 名称 | 日涨跌幅% | 月内涨跌幅% | 年内涨跌幅（%） | 近一年走势 | | | 上证指数 | 0.54 | 0.91 | 17.08 | | | | 上证50 | 0.58 | 1.68 | 12.46 | | | | 沪深300 | 0.81 | 2.10 | 17.46 | | | | 中证50 ...

市场有风险，投资需谨慎。本文不构成个人投资建议，也未考虑到个别用户特殊的投资目标、财务状况或需要。用户应考虑本文中的任何 意见、观点或结论是否符合其特定状况。据此投资，责任自负。 【证监会主席吴清：坚决防范股东违规干预经营 坚决出清不适格的股东】中国证监会主席吴清12月6日 在中国证券业协会第八次会员大会上表示，强管理防风险要取得新成效。吴清强调，要牢牢抓住提升治 理有效性这个关键，把公司治理和股权管理的刚性要求真正落到实处，健全关联交易管理等利益冲突防 范机制，坚决防范股东违规干预经营，坚决出清不适格的股东。 要进一步加强交易管理，增强穿透管 理的能力和针对性，提升不同类型投资者交易服务的公平性，维护好中小投资者合法权益，严防非法套 利和扰乱交易秩序。 要强化重点领域的风险防范，对融资融券、场外衍生品、私募资管等需要重点关 注的业务，异地总部子公司等需要重点关注的机构，信用、流动性以及合规性等重点风险，必须"瞪大 眼睛"、做到防患未然；对于加密资产等新业态要深入研判、审慎对待，看不清管不住的坚决不展业， 违法违规的坚决不做。（上证报） 风险提示及免责条款 ...

Group 1: Economic Focus and Policy Direction - The recent Central Political Bureau meeting emphasized the importance of unifying thoughts and focusing on policy priorities to promote high-quality development and strengthen technology innovation leadership in the market[2] - The fifth and sixth rounds of inspections will primarily focus on local government work, addressing common issues identified in previous inspections, such as implementing central decisions and enhancing talent and organizational development[12] - The integration of inspection rectification with economic work is crucial for ensuring effective implementation of the "14th Five-Year Plan" and promoting high-quality development[13] Group 2: Local Development Strategies - Local governments are encouraged to adopt tailored development strategies rather than a one-size-fits-all approach, aligning with the central government's strategic positioning for each region[17] - Emphasis on developing characteristic and leading industries based on local resources is expected to be a core principle for the "14th Five-Year Plan" development[17] - The need for local governments to enhance their understanding of technological innovation and improve political awareness is highlighted as essential for optimizing industrial structures and achieving breakthroughs in high-tech research[17] Group 3: Risk Management and Economic Growth - The meeting underscored the importance of risk prevention and the need to enhance the social governance system to mitigate various risks, particularly in the real estate sector[18] - There is a shift towards a new development model in the real estate market, with plans to accelerate the use of special bond funds for acquiring existing properties and addressing idle land issues[18] - The focus on maintaining systemic financial risk prevention and improving financial regulatory effectiveness remains a top priority[18] Group 4: Encouraging Local Leadership - The meeting called for a correct personnel orientation to motivate local officials to take responsibility and actively engage in economic work, especially in major economic provinces[22] - Fujian, as one of the top ten economic provinces, is expected to leverage the meeting's guidance to unlock greater economic growth potential and technological innovation[22]

Core Insights - Automotive finance is a crucial component of the automotive industry ecosystem, serving as a key "lubricant" that supports the entire production to consumption chain [1] - The China Agricultural Bank is committed to enhancing collaboration across three dimensions to empower high-quality development in the automotive industry [1] Group 1 - Automotive finance provides essential funding for both vehicle manufacturers and consumers, facilitating the transition from scale expansion to structural upgrades in the industry [1] - Financial institutions are innovating differentiated products in response to changing consumer demands and government policies, effectively lowering the barriers to vehicle purchases [1] - The China Agricultural Bank aims to align with national strategies, enhance bank-enterprise integration, and deepen inter-industry collaboration to meet the diverse financial needs of the automotive sector [1] Group 2 - The China Agricultural Bank will play a significant bridging role by collaborating with industry peers in areas such as financial technology, product innovation, and risk prevention [2] - The bank seeks to establish a regular cooperation mechanism to break down industry barriers and data silos, promoting resource sharing and complementary advantages [2] - The goal is to create a more dynamic consumer finance ecosystem that offers timely, convenient, and precise financial services [2]

Core Viewpoint - The recent ruling in the "Huaxin Bond" false statement case has sparked ongoing discussions in the market regarding the responsibilities of intermediary institutions and the need for a balanced approach to due diligence and penalties in financial fraud cases [1][2]. Group 1: Responsibilities of Intermediary Institutions - The ruling indicates a trend towards limiting the liability of intermediary institutions, with law firms found to have no fault and other institutions bearing only 0.5% to 5% of joint liability [1]. - Experts suggest that intermediary institutions should collaborate effectively and not evade due diligence responsibilities due to low fees [1]. - There is a call for a more reasonable liability distribution system that includes fair liability and caps on responsibilities in bond false statement cases [1]. Group 2: Rating Agencies' Responsibilities - There is a divergence in judicial practice regarding the boundary of rating agencies' duty of care, with some courts holding them to a higher standard than others [2]. - The cancellation of mandatory ratings for bond issuances in 2021 has altered the legal responsibility framework for rating agencies, making ratings optional rather than essential [2]. - Experts emphasize the need for rating agencies to enhance their credibility and differentiation to effectively serve as risk assessors in the market [3]. Group 3: Institutional Investors' Due Diligence - Institutional investors in the bond market should also bear some due diligence responsibilities to avoid over-reliance on ratings [5]. - The unique composition of bond market investors, primarily professional institutions, necessitates a tailored approach to liability and evidence requirements in disputes [5]. - Enhancing due diligence capabilities is crucial for preventing bond fraud, and there is a high expectation for intermediary institutions to provide professional support during this process [5]. Group 4: Compliance and Legal Awareness - There is an increasing expectation for intermediary institutions to enhance their compliance awareness and risk management practices [6]. - The legal effectiveness of disclaimers used by rating agencies may be challenged in judicial practice, suggesting a need for clearer liability limits [6]. - A comprehensive approach to criminal compliance is necessary, as intermediary institutions may face criminal liability even if they did not lead fraudulent activities [6].

Core Insights - The event organized by the Bank of China Yancheng Branch aimed to deepen cooperation between banks and enterprises while enhancing employees' financial literacy and risk awareness [1][2] - The financial knowledge promotion activity focused on educating employees about the latest trends in telecom network fraud and common scams, providing practical advice on how to avoid them [1] - The initiative reflects the bank's commitment to the "finance for the people" philosophy and aims to provide diversified and precise financial support to enterprises and their employees [2] Summary by Sections - **Event Overview** - The Bank of China Yancheng Branch's financial service team conducted a financial knowledge promotion event at Guolao Polygonum Multiflorum Technology Co., Ltd. [1] - The theme of the event was "Protecting Financial Rights and Supporting a Better Life" [1] - **Content of the Activity** - The event included face-to-face interactions and a consultation desk, where promotional materials were distributed [1] - Topics covered included new characteristics of telecom fraud, fake loans, rebate scams, fake shopping, and online dating scams [1] - Employees were educated on the principles of fraud prevention: "Do not trust easily, do not disclose information, do not transfer money, and verify multiple times" [1] - **Employee Engagement** - The atmosphere was interactive and lively, with employees expressing newfound understanding of financial knowledge and its relevance to their daily lives [1] - Personalized financial consulting services were provided, covering areas such as pension allocation, consumer loans, and credit card usage, which received positive feedback from employees [1] - **Future Directions** - The bank plans to continue innovating service formats and expanding financial service coverage to support the healthy development of the real economy [2]

Group 1 - The revised regulations optimize the investment, storage, and usage of risk funds, expanding the investment scope from only bank deposits to include key term government bonds and other approved forms of fund utilization [1] - The requirement for risk funds to maintain a bank deposit balance of no less than 70% of the total net assets at the end of the previous month has been established [1] - The process for utilizing risk funds has been simplified, shifting from prior approval to post-reporting in line with the State Council's directive to eliminate administrative approval items [1] Group 2 - The regulations enhance risk prevention and internal management provisions, mandating settlement participants to establish comprehensive risk prevention and internal control systems [2] - Securities registration and settlement institutions are required to develop internal management systems that clarify the collection, management, and usage of risk funds, along with annual reporting to the CSRC and the Ministry of Finance [2] - The regulations detail the recovery and accountability arrangements for utilizing risk funds in cases of advance payments, compensation for default settlement losses, technical failures, and operational errors [2] - Currently, the total net assets of the risk fund exceed 3 billion, and settlement participants who have paid the risk fund for over a year will not be required to make additional payments due to this revision [2]