凤凰网财经讯 11月19日，市场震荡回升，沪指、创业板指均收红。 沪深两市成交额1.73万亿，较上一个交易日缩量2002亿。盘面上，市场热点较为杂乱，全市场超4100只个股下跌。 从板块来看，水产概念集体爆发，中水渔业、国联水产等近10股涨停。军工板块表现活跃，江龙船艇3天2板。银行板块走强，中国银行涨超3%创历史新 高。锂电板块反复活跃，金圆股份3连板。下跌方面，高位股明显分化，东百集团、三木集团、胜利股份、海南海药跌停。 板块方面，贵金属、军工、养殖业等板块涨幅居前，海南、燃气、影视院线等板块跌幅居前。截至收盘，沪指涨0.18%，创业板指涨0.25%。 封板率 涨停表现 72.00% 封板 54 触及 21 昨涨停今表现 2.69% 高开率 69% 获利率 ...

每日经济新闻 （责任编辑：董萍萍 ） 【免责声明】本文仅代表作者本人观点，与和讯网无关。和讯网站对文中陈述、观点判断保持中立，不对所包含内容 的准确性、可靠性或完整性提供任何明示或暗示的保证。请读者仅作参考，并请自行承担全部责任。邮箱： news_center@staff.hexun.com 中信建投表示，2025年前三季度理财规模32.13万亿元，较上半年增加1.46万亿元，同比增长 9.42%，增速提高，规模增长原因是低破净率、居民财富再配置，理财子优化产品结构。三季度从配置 看，资产配置风险偏好降低，流动性为首要考虑因素。三季度理财产品投资规模单季增加1.36万亿，但 现金及银行存款就增加1.27万亿，占比近90%。预计2025年末银行理财规模同比实现10%左右增长，达 到33-34万亿元左右，主要是行业端、居民端、产品端和市场端合力共振。 金融ETF（510230）跟踪的是180金融指数（000018），该指数从金融行业中选取银行、保险、证 券等子行业的代表性上市公司证券作为指数样本，以反映中国金融市场主要企业的整体表现。180金融 指数具有较高的市场代表性和行业配置特征，能够较好地体现金融行业上市公 ...

11月18日，余元堂司长会见欧洲银行业联合会副首席执行官德·布鲁沃，就中欧经贸合作进行交流。 ...

Core Insights - The strategic cooperation between Nantong Rural Commercial Bank and the Tongzhou District Agricultural and Rural Bureau aims to establish a long-term partnership focused on rural revitalization [1] - The collaboration emphasizes resource sharing, complementary advantages, and win-win cooperation in key areas such as financial service mechanism construction, inclusive finance promotion, and rural industry development [1] Financial Support and Services - Nantong Rural Commercial Bank has provided over 300 million yuan in credit support to agricultural operators in Tongzhou over the past three years [1] - The bank plans to implement a "1+N" financial advisory service model, pairing professional advisors with local farmers' cooperatives to enhance service precision and financing convenience [1] Implementation and Future Plans - Following the signing ceremony, the district government office outlined specific deployments for the financial advisory service work [1] - Nantong Rural Commercial Bank introduced its agricultural credit products and the "whole village credit" process, while cooperative representatives shared their funding and market challenges, expressing expectations for the financial services provided by the government-bank collaboration [1] - The bank aims to leverage the financial advisory mechanism to ensure effective implementation of the cooperation and support the goals of rural revitalization, enhancing agriculture, beautifying rural areas, and increasing farmers' wealth [1]

梅州蕉岭实现全国首例整县地理标志质押融资——全县蕉岭绿茶、三圳淮山、桂岭蜂蜜、蕉岭冬笋等4 项地理标志所涉用标企业集体获授信，打破地理标志分散评估、单体融资的传统模式，开辟区域品牌整 体转化的新路径。在蕉岭县委、县政府科学谋划下，省纵向帮扶蕉岭工作队和乡村振兴驻长潭镇帮扶工 作队协同发力、精准施策，搭建"政银企"对接平台，成功推动中国农业银行蕉岭县支行为全县13家地理 标志用标企业授信，授信额度2亿元。目前，首批用标企业已获放款926万元，实现从"知产"到"资产"的 有效转化，为蕉岭县地理标志产业发展注入金融活水，显著提升品牌价值与市场竞争力。 【深圳商报讯】（驻穗记者 姚嘉莉 通讯员 粤市监）记者11月17日从广东省市场监督管理局获悉，在近 日举行的第七届粤港澳大湾区知识产权交易博览会暨国际地理标志产品交易博览会上，梅州市蕉岭地理 标志用标企业获得质押融资授信2亿元，彰显县域知识产权运用与品牌建设新成效。 蕉岭县大力开展蕉岭绿茶、三圳淮山、桂岭蜂蜜、蕉岭冬笋等地理标志产品推广工作，加快蕉岭三圳镇 建设地标产品综合展示中心建设，推动地标产品驿站、地标产品"一桌菜"、地标产品标准化种植、品牌 打造等10项任务落 ...

近年来，徐州农商银行深耕实体经济，以精准金融服务助力企业高质量发展。 江苏浚泽电气有限公司是一家2018年成立的高新技术企业，2021年因搬迁新厂、扩增产能遭遇资金周转 难题——铜材、板材等原材料需现金采购，而项目回款周期长达3-6个月，资金链一度紧张。 徐州农商银行鼓楼支行主动对接，通过"苏科贷"纯信用贷款模式，3天内完成从材料提交到贷款到账的 全流程，及时缓解了企业资金压力。在资金助力下，企业新增生产线，顺利承接大型光伏配电项目，产 品现已覆盖全国并拓展至海外，年销售额预计突破5000万元，订单排至两个月后。 银行服务不止于放贷，更注重全周期陪伴。客户经理每月上门走访，跟进生产进度，根据需求调整服 务：结算开通"绿色通道"，对账提供上门服务，员工代发实现"秒到账"，还依据政策为企业申请利息减 免，真正做到"懂企业、肯帮忙"。 截至2025年三季度末，鼓楼支行贷款总规模达15亿元，新增普惠贷款1.06亿元，规模在徐州农商银行全 行排名第二，用实际行动诠释了"深耕实体显担当，精准滴灌促发展"的使命担当。申玉龙 ...

【导读】海外投资者持有美国国债总额为9.249万亿美元，低于8月的9.2662万亿美元 中国基金报记者 储是 美国财政部公布 了 8月和9月 美债持仓情况。 数据显示，9月，外国投资者 持有 美国国债 规模 有所下降，其中，日本的美债持仓量在8月和9月大幅增加，中国和英国在9月减持美 债。 日本增持 英国和中国减持 因美国政府停摆， 美国财政部 于美东时间周二才发布 8月和9月的国际资本流动报告 （ TIC ） 。 数据显示，9月， 海外投资者持有的美国国债总额为9.249万亿美元，低于 8月 的9.2662万 亿美元。 具体来看， 美债第一大持有国 日本 持有 规模达到1.189万亿美元，9月 份持仓量增加 89亿 美元 、 8月增加290亿美元。 9月， 英国 的 美国国债 持仓量罕见减少 393亿 美元， 至8650亿美元，持仓规模 保持第二 位。英国近两年持续增持美债，于今年3月超越中国成为第二大持有国。 中国持有的美国国债规模从8月的7010亿美元降至9月的7005亿美元 。 有券商分析师向中国基金报记者表示，央行对美债操作的不同方向，反映出不同的外部资产 配置方向，短期来看，对全球资本流动影响不大 ...

Investment Rating - Investment rating: Positive (maintained) [1] Core Views - The current credit growth continues to slow down, and social financing growth is also declining from high levels. Although policies are in place to support the market, their impact on demand recovery has not yet been reflected due to time lags. The retail risk for listed banks has increased but remains manageable, supported by substantial provisioning and stable dividend policies, which together form a "stable anchor" for the "dividend revaluation" logic of banks. The banks' advantages in capital markets, wealth management, and investment banking create a "growth sail" for differentiated valuations. Bank valuations are still at historically low levels, and medium to long-term funds have the potential for allocation, making increased allocation to the banking sector a favorable choice under the "high cut low" and balanced allocation strategy. It is recommended to invest in state-owned banks as they still offer good value compared to risk-free interest rates. Specific recommendations include CITIC Bank, benefiting from China Construction Bank, Agricultural Bank of China, China Merchants Bank, Jiangsu Bank, Chongqing Bank, Hangzhou Bank, and Chongqing Rural Commercial Bank [7]. Summary by Sections Deposit and Loan Growth - The deposit and loan growth rates for small and medium-sized banks continued to recover, with the national large banks' deposit-loan growth rate difference at -1.31% at the end of October, a decrease of 0.33 percentage points from the end of September. The four major banks' deposit-loan growth rate difference narrowed by 0.02 percentage points to -2.10%. Small and medium-sized banks recorded a deposit-loan growth rate difference of 3.74%, an increase of 0.08 percentage points [3][4]. Deposit Structure - In October, both large and small banks saw an acceleration in deposit growth, with large banks and small banks' deposit growth rates at 7.40% and 9.33%, respectively, increasing by 0.16 and 0.22 percentage points month-on-month. However, corporate deposits faced pressure, with both large and small banks experiencing negative growth in corporate deposits for the month. The increase in deposits was primarily driven by non-bank contributions, indicating a trend of "deposit migration" [4][5]. Credit Demand and Supply - The overall credit volume and structure remain poor, with small and medium-sized banks increasing lending. The total loans from deposit-taking financial institutions to residents and enterprises saw a year-on-year decrease. The credit growth is under pressure due to unfulfilled demand and other factors, including banks completing most of their annual credit targets in the first three quarters and a lack of actual credit demand conversion from policy measures [6]. Investment Recommendations - Given the current environment, increasing allocation to the banking sector is recommended as it presents a favorable opportunity for investors. The report emphasizes the potential of state-owned banks and suggests specific banks for investment based on their performance and market conditions [7].

Core Insights - Hubei Province has implemented a new credit loan policy for small and medium-sized enterprises (SMEs) based on commercial value, which has significantly improved access to financing for these businesses [1][3] - As of November 14, 2025, a total of 67,000 enterprises have been registered, with 16,695 receiving bank credit amounting to 63.2 billion yuan, and total loans exceeding 50 billion yuan [1][3] Group 1: Policy Implementation - The "Commercial Value Credit Loan Implementation Measures (Trial)" was jointly issued by several government departments to address the financing difficulties faced by SMEs, focusing on a "light asset, wide credit, and convenience" reform path [1] - The new financing ecosystem is centered around commercial value credit, allowing for a more accessible evaluation of SMEs based on operational data and creditworthiness [1] Group 2: Impact on SMEs - SMEs benefiting from the commercial value loans include Wuhan Wangji Tangye Food Co., which secured 3 million yuan for modernization efforts despite lacking collateral [2] - Hubei Mairige Technology Development Co. received a 2.9 million yuan credit loan within a month, facilitated by the bank's use of the commercial value evaluation results [2] Group 3: Performance Metrics - The average approval time for loans has been reduced to 2.84 days, with a weighted average interest rate of 3.49%, benefiting over 50% of lower-rated C and D level enterprises [3] - Among the beneficiaries, 35.4% are first-time borrowers or new clients to the banks, indicating a significant outreach to previously underserved businesses [3]

11月19日，"第十九届深圳国际金融博览会暨2025中国金融机构年会"在深圳举行。汇丰中国副行长兼大 湾区总监陈庆耀在分论坛"中国银行业年会"发表主题演讲时表示，要更好地推动科技创新与产业创新深 度融合，在大湾区建设更具国际竞争力的现代化产业体系，非常重要的一点就是要在国际化方面更进一 步，发挥大湾区作为高水平开放重要平台的政策优势和区位优势，加速推动区内企业更深地融入全球产 业链、价值链，不断拓宽科技创新应用场景，实现智能化、绿色化、融合化的发展。陈庆耀称，在国家 高水平开放的带动下，大湾区的融合发展将持续深化，三地的规则衔接、机制对接将迈上新的台阶，大 湾区也将逐步从内地接轨国际的"试验田"变为"高速路"，成为以开放链接世界、以创新驱动发展的典 范。 ...