受经济周期与债务周期叠加影响，当前不良资产处置逻辑正发生深刻改变。数据显示，2024年，银登中 心不良资产挂牌规模约2862亿元、成交规模2258亿元，均同比增长80%以上。但对公不良平均折扣率为 18.6%，同比下降35个百分点。 在此背景下，如何化解风险、盘活存量资产、优化资源配置，成为银行等特殊资产行业多方参与人共同 思考的问题。 多方合力实现项目复工并高质量交付，不仅保障了数千户业主权益，项目后续销售也超出预期，实现了 资产价值的有效修复。 当中国经济步入"5%时代"，叠加房地产市场深度调整、地方债务化解、产业转型升级等多重压力，数 百万亿存量资产的价值重构正在悄然发生。 业内人士指出，特殊资产行业正经历深刻的结构性变革，传统清收模式面临巨大挑战。一是资产结构急 剧变化，从传统制造业、批发零售业向房地产、地方政府债务等领域快速蔓延。以房地产市场为例，预 计未来3年每年新增不良近万亿，困境资产深陷供求、政策、法律和民生等多重围堵之中，对尽调深 度、估值水平和处置能力提出了更高要求。二是"定价失衡"与"盈利收窄"导致特殊资产流转渠道不畅， 行业盈利模式面临巨大考验。更加严峻的是，传统的打包、打折、打官司处 ...

强力深V！A股尾盘的强劲走势真让人太意外了。 01 深蹲反弹 从今天A股尾盘之前的行情表现来看，市场分化是非常明显的。 一方面是AI、互联网、生物医药、算力链等多个近期显著大涨的热门赛道开始会纷纷高位回调； 另一方面是银行、保险、公用事业这些近期回调较多的传统行业板块重新得到资金回流而逆势上涨。 这种资金"高低切换"的操作在向来大涨大跌的牛市行情中经常看到，短期来看并不能意味着大行情变盘。 截至收盘，A股三大股指涨跌不一，但均在尾盘时段走出了强力深V，其中创业板从一度下跌2%转为翻红收涨0.21%。 同时让人意外的是，今天银行板块在市场一度大跌的环境下一扭近期持续阴跌走势，走出了明显上涨的态势。今天银行指数整体涨幅 1.28%，包括工商银行、建设银行在内多家银行涨幅均超过了3%。 | | 代码 名称 | 涨幅 | 现价 | | --- | --- | --- | --- | | 1 | 601009 南京银行 | +4.78% | 10.96 | | 2 | 601187 厦门银行 | +3.81% | 6.54 | | 3 | 601398 工商银行 | +3.06% | 7.40 | | 4 | 6019 ...

此次推出商业养老金代销业务，有望进一步提升养老金融服务的覆盖面，丰富养老金融供给，支持备老 群体做好养老资金储备和财富规划。 助力养老财富积累，满足养老投资多元需求 商业养老金属于国家重点推动的养老第三支柱中的创新型商业养老保险产品，将养老规划、资金管理与 保险产品相结合，以投资积累养老金为主要功能，为客户提供全生命周期的养老资金稳健管理服务。 其采用"锁定账户+持续账户"的双账户管理模式，锁定养老子账户管理长期养老储备，加速养老金积 累，持续养老子账户可在养老储备的同时满足客户资金支出需求，很好地平衡客户养老保障和支出需 要。在领取方式上，客户年满60周岁后可对锁定账户内资金设定定额分期、定期分期等养老金领取方 式，充分满足不同群体的养老资金领取需求。 自2023年1月商业养老金试点启动以来，历经两年多的发展，商业养老金试点成绩斐然，其快速增长的 背后，得益于国家政策的大力支持和商业养老金产品的自身优势，也反映出我国老龄化进程加快的背景 下，人民群众对养老金储备的迫切需求。 西安银行此次与国寿养老和太平养老开展合作，代理销售其发行的期限保本型商业养老金产品。该类产 品兼具稳健性和收益性，客户每笔交费资金持有 ...

中国经济网北京9月23日讯 浦发银行(600000.SH)今日收报12.45元，跌幅0.72%。银行板块今日涨 1.28%，浦发银行为银行板块唯一一家下跌的公司。 （责任编辑：徐自立） ...

Core Viewpoint - The A-share market experienced a surprising strong recovery in the tail end of trading, particularly in the banking sector, which rebounded after a period of decline, indicating renewed investor interest in bank stocks [2][3][10]. Market Performance - As of the market close, the three major A-share indices showed mixed results, with the ChiNext index recovering from a 2% drop to close up 0.21%. The banking index rose by 1.28%, with several banks, including Industrial and Commercial Bank of China and China Construction Bank, seeing gains exceeding 3% [3][4]. Sector Analysis - There was a clear market divergence, with high-growth sectors like AI, internet, and biomedicine experiencing corrections, while traditional sectors such as banking, insurance, and public utilities saw a return of capital and increased stock prices [7][10]. - The banking sector had been in a downward trend since mid-July, with an overall decline exceeding 10%. Major state-owned banks like Everbright Bank and Bank of China saw declines of over 17% and 12%, respectively [8][10]. Capital Flow - On the day of the recovery, net inflows into bank stocks reached nearly 1.4 billion yuan, the highest among all sectors, with large orders accounting for over 22% of the total, indicating significant capital repositioning [10][11]. - Recent reports from Goldman Sachs indicated a surge in hedge fund investments in banks and insurance companies, suggesting a broader trend of renewed focus on financial stocks [11]. Dividend Considerations - The recent pullback in bank stocks was partly attributed to investors reallocating funds to higher-yield sectors, as well as the upcoming dividend distribution dates, which prompted some investors to take profits [12][14]. - For instance, Industrial and Commercial Bank of China announced a dividend of 0.1646 yuan per share, totaling 58.664 billion yuan, with the record date set for July 11, 2025 [14]. Long-term Outlook - Despite recent volatility, the long-term fundamentals for quality bank stocks remain intact, supported by strong capital inflows and a favorable interest rate environment. The anticipated easing of monetary policy could further enhance the attractiveness of high-dividend bank stocks [17][19]. - Predictions indicate a 1.0% year-on-year growth in net profit for listed banks in 2025, driven by improved net interest margins and increased provisions for potential risks [19][20]. Investor Sentiment - The recent market dynamics suggest a potential shift in investor sentiment, with funds that previously exited the banking sector beginning to return, as evidenced by a 3.2% increase in bank ETF shares since late September [21].

作为绿色金融服务领域的重要参与者，民生银行此次受邀参会，体现了其在绿色金融、低碳转型和支持 绿色产业发展方面的积极贡献与行业影响力。本次展厅由该行北京分行承办，博览会期间，该行展厅生 动展示了"民生峰和"绿色综合服务体系2.0版，重点介绍了该行在支持绿色能源与储能、节能降碳与零 碳负碳技术产业、生态环境治理与资源循环、生物技术、绿色低碳新兴服务业，以及环境权益融资等方 面的服务方案，并通过低碳骑行等互动体验方式，传递绿色低碳发展理念。该展览吸引了许多参会者的 驻足观看与咨询，进一步提升了民生银行在绿色金融领域的知名度和影响力。 现阶段，建设国际绿色经济标杆城市已成为北京高质量发展的重要引擎，绿色金融依然是其中的核心支 撑。近年来，民生银行持续深化绿色金融战略布局，积极拓展绿色信贷、绿色债券与碳金融业务，创新 构建覆盖绿色技术创新、低碳项目建设和产业链协同的绿色金融服务体系，与众多企业携手共建绿色低 碳新生态。该行相关负责人表示，民生银行将继续以更具创新的产品、更趋开放的平台、更为高效的服 务，全面助力北京国际绿色经济标杆城市建设，为推动首都绿色转型和高质量发展注入金融动能。 9月22日，"2025年北京绿色发 ...

半导体赛道强势爆发，多只个股尾盘异动。 具体来看，两市股指盘中震荡下探，沪指一度跌超1%失守3800点，尾盘企稳回升，创业板指盘中亦跌超1%，尾盘翻 红。截至收盘，沪指跌0.18%报3812.83点，深证成指跌0.29%报13119.82点，创业板指涨0.21%报3114.55点，北证50指 数跌2.63%，沪深北三市合计成交25188亿元，较此前一日增加超3700亿元。 A股今日（9月23日）先抑后扬，沪指尾盘重返3800点上方，创业板指翻红；港股走势疲弱，恒生指数盘中跌逾1%， 恒生科技指数一度跌超2%。 场内超4200股飘绿，旅游出行、地产、医药、券商等板块走低，云南旅游（002059）、西藏旅游（600749）、华天酒 店（000428）等跌停；银行板块逆市拉升，建设银行、工商银行、农业银行、中国银行等集体走高；半导体板块延续 强势，长川科技（300604）、矽电股份（301629）、德明利（001309）涨停续创新高；光刻机概念尾盘上扬，波长光 电（301421）、张江高科（600895）等涨停；港口股崛起，南京港（002040）、宁波海运（600798）涨停；值得注意 的是，多只强势股仍受到追捧， ...

9月22日，潘功胜、李云泽、吴清、朱鹤新出席国新办发布会，介绍"十四五"时期金融业发展成就。银 行业总资产位居世界第一、A股科技板块市值占比超1/4、外汇储备稳定3万亿美元以上……"十四五"金 融业成就，一图速览>> ...

Market Performance - The Hong Kong stock market indices collectively declined, with the Hang Seng Technology Index dropping by 2.6% at one point and ultimately closing down 1.45% [2] - The Hang Seng Index fell by 0.7%, narrowly holding above the 26,000-point mark, while the National Enterprises Index decreased by 0.86% [2] Stock Movements - Major technology stocks experienced widespread declines, with Baidu falling over 5%, JD.com down 4.4%, Meituan dropping nearly 3%, and Xiaomi down over 1% [4] - Tencent saw a decline of nearly 1%, while Alibaba managed to remain slightly positive [4] - Apple-related stocks faced significant pullbacks, with Lens Technology (300433) dropping over 7% and other related stocks like Weishi Technology and QiuTai Technology falling over 3% [4] Sector Performance - Various sectors including real estate, automotive, Chinese brokerage firms, steel, lithium battery, gaming, shipping, aviation, and semiconductor stocks showed generally poor performance [4] - Conversely, vocational education stocks rose, with the Ministry of Education announcing the establishment of the world's largest vocational education system, leading to stocks like Think Tank Education rising over 6% and New Oriental gaining nearly 2% [4] - Gold stocks were active as spot gold reached a historical high, reflecting strong performance in that sector [4] New Listings - Newly listed stocks saw significant gains, with a new group rising nearly 44% on their first trading day and Yunzhihui Technology soaring over 103% [4] - Other notable movements included Mixue Group rising by 4.7% and Kangfang Biologics increasing by 4.28%, while Guotai Junan International fell by 11.57% and Canggang Railway dropped by 12.5% [4] - Shangaog Holdings surged by 22.25% and Hong Kong Broadband increased by 15.85% [4]

Group 1 - The Hong Kong stock market experienced a decline, with the Hang Seng Index falling by 0.70% to 26,159.12 points, and the Hang Seng Tech Index dropping by 1.45% [1] - Major tech stocks saw significant losses, including Baidu down over 5% and JD.com down over 4%, while gold stocks like Tongguan Gold rose over 6% [1] - Southbound capital recorded a net outflow exceeding 4 billion HKD, indicating a bearish sentiment among investors [1] Group 2 - GF Securities noted that Alibaba is restructuring its home and store services, focusing on Taobao Flash Purchase to enhance consumer services, which may lead to increased short-term losses [2] - The upcoming Alibaba Cloud Summit is expected to drive investment interest, with a focus on AI infrastructure and applications, potentially boosting capital inflow [2] - The competition between Alibaba and Baidu in self-developed chips is expected to ignite bullish sentiment in the tech sector, with the Hang Seng Tech Index likely to see a valuation reconstruction [2]