一周财经大事（2025年8月4日-8月10日） 头条 证监会1.6亿罚单：*ST高鸿财务造假，9名董监高被罚 8月8日晚，证监会在官网发布了一则对于上市公司财务造假案件的通报。 据悉，*ST高鸿（即大唐高鸿网络股份有限公司）长期开展无商业实质的笔记本电脑等"空转""走单"业 务，大幅虚增收入和利润，违反证券法律法规。 证监会拟对相关责任主体罚款1.6亿元，对配合造假的第三方罚款700万元。*ST高鸿涉嫌触及重大违法 强制退市情形，深交所将依法启动退市程序。 北京符合条件家庭五环外买房不限购，公积金加码！什么信号？ 8月8日，北京市住房和城乡建设委员会、北京住房公积金管理中心发布关于进一步优化调整本市房地产 相关政策的通知（下简称《通知》）。通知指出，符合北京市商品住房购买条件的居民家庭，在五环外 购买商品住房（含新建商品住房和二手住房）不限套数。此外，北京也加大住房公积金贷款支持力度。 通知自2025年8月9日起施行。 酒闻 茅台集团"百元酱酒"上新，新品瞄准宴席渠道 茅台集团旗下"百元酱香"产品上新。 8月6日，南都湾财社-酒水新消费指数课题组记者从茅台保健酒业公司微信公众号上注意到，该公司正 式对外宣布， ...

"就目前来看，本轮降准降息落地后，理财产品资产端利率在短期内未出现明显下降，反而有所回 升。实际上，今年市场上资产供给有所增加，理财公司'资产荒'的现象并未显著加剧，只能说是高收益 资产遭遇了激烈拼抢。"某股份行理财公司投研业务负责人告诉记者。 从短期来看，央行降准降息政策对理财产品资产端收益率的影响相对有限，近期长债利率震荡回 升，同业存单利率有所上行。但从长期来看，理财产品底层资产收益率下行趋势明确，理财公司的"资 产荒"局面难以改变。 在资产配置方面，不少理财公司投研人士表示，将优先布局同业存单、短期信用债等短债资产，以 锁定当前高利率。此外，在低利率环境下，为增厚收益，理财公司将优化投资组合，通过增加多元资产 配置，分散投资于不同的资产类别，降低对单一资产的依赖，以平衡风险和收益。 资产端收益率影响有限 从短期来看，央行降准降息政策对理财产品资产端收益率影响有限，上周存款降息、LPR下调等操 作落地，长债利率震荡回升。 "从2023年以来存款利率下降后的债券走势来看，1年期和10年期国债收益率的表现不一，存款降息 并不一定会带来债券收益率快速下行，更多需要考虑当时的基本面、政策环境和交易情绪。债券收益 ...

千呼万唤之下，理财公司理财产品销售方案"靴子"终于落地。5月27日，银保监会官网显示，《理财公 司理财产品销售管理暂行办法》(以下简称《办法》)将从6月27日起施行。 北京商报记者发现，和此前发布的公开征求意见稿相比，此次《办法》将适用机构范围从"理财子"扩充 至"理财公司"，对18项禁止性规定进一步细化，明确"禁止单独或突出使用绝对数值、区间数值展示业 绩比较基准，防止变相宣传预期收益率"，为促进产品净值化转型，推进打破刚兑预期奠定了基础。 从现有运作模式来看，理财子公司通常销售本公司发行的理财产品以及代销其他银行理财子公司的理财 产品两种。 适用范围扩充 据了解，2020年12月25日-2021年1月29日，银保监会就《办法》向社会公开征求意见。北京商报记者注 意到，和公开征求意见稿有所不同的是，《办法》的适用机构范围从"理财子"扩充至"理财公司"，名称 从原来的《商业银行理财子公司理财产品销售管理暂行办法》修改为《理财公司理财产品销售管理暂行 办法》，明确理财公司包括商业银行理财子公司和银保监会批准设立的其他理财公司，从而将外方控股 的合资理财公司纳入适用机构范围。 谈及此次范围扩展的原因，银保监会有关 ...

Group 1 - The core viewpoint of the news is the launch of the "Zhongchengxin - Colorful Sunshine Multi-Factor Preferred REITs Index" by Everbright Wealth and Zhongchengxin Index Company, marking the introduction of a systematic multi-factor quantitative strategy in China's public REITs investment field [1][2] - The index aims to provide a standardized investment benchmark and lower the entry barrier for individual investors in the REITs market by dynamically selecting quality REITs based on factors such as asset stability, cash flow distribution rate, market liquidity, and valuation safety [2][4] - Everbright Wealth has been a strategic investor in the REITs market since the first public REITs were launched in 2021, and this collaboration represents another milestone following the launch of the "Sunshine Red Infrastructure Public REITs Preferred No. 1" product [1][3] Group 2 - The "Zhongchengxin - Colorful Sunshine Convertible Bond Dual-Low Preferred Index" was also launched, focusing on "low price + low conversion premium rate" convertible bonds, aiming to provide precise investment opportunities in the convertible bond market [1][4] - Everbright Wealth's research indicates that the public REITs market is expected to rise by approximately 16% in 2024, driven by favorable policies and declining risk-free interest rates, with consumer and affordable housing REITs gaining more attention in the first half of 2025 due to stable performance [2][3] - The company plans to launch a series of index-based financial products based on the new indices to meet the diverse needs of long-term funds such as pensions and corporate annuities, as well as individual investors [3][4]

Group 1 - The company, Shanghai Silver Wealth Management, has announced the issuance of a fixed-income product named "Hui Xiang Li" with a subscription period from August 8, 2025, to August 14, 2025 [1] - The maximum issuance scale of the product is set at 3 billion yuan, with a minimum issuance scale of 5 million yuan [1] - The minimum amount for initial purchase by clients is 1 yuan, and the product has a duration of 732 days [1] Group 2 - The product carries a medium-low risk rating (Level 2 risk) and has an annualized performance benchmark of 2.40% to 2.80% [1] - It is important to note that the performance benchmark does not represent the expected return and does not guarantee future performance or actual returns [1]

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Core Viewpoint - The definition of stability in bank wealth management needs to be redefined in the context of decreasing ticket yields and valuation adjustments, focusing on achieving higher long-term performance while strictly controlling drawdowns [1][2][7] Group 1: Market Environment and Challenges - The reduction in ticket yields has led to increased volatility in wealth management product returns, as the protective buffer has thinned significantly [2][3] - The transition to a "Net Value 2.0 Era" is characterized by more pronounced net value fluctuations, but this does not imply a departure from the inherent stability of bank wealth management [2][3] Group 2: Investment Strategy and Focus - The core investment logic of the company is to create products with a high Calmar ratio, which emphasizes maximizing long-term performance while controlling drawdowns [3][4] - The company positions itself as an investment strategy-driven firm rather than an asset-driven one, reducing reliance on single asset supply and maintaining competitive yield rates [4][5] Group 3: Risk Management and Dynamic Strategies - The investment strategies include dynamic defensive logic to mitigate market risks, allowing for quick adjustments in response to market volatility [5][6] - The company is expanding its investment strategy framework to include multi-asset and multi-strategy approaches, adapting to the low-interest-rate environment [4][5] Group 4: Client Adaptation and Trust Building - The company emphasizes precise matching of product lines to client risk preferences, categorizing products into low, medium-low, and medium risk levels [6][7] - Building long-term trust with clients is crucial, involving regular product reporting, client education, and training for sales personnel to ensure informed decision-making [6][7]

数据说明： 产品统计范围为理财公司权益类理财公募产品，统计截止日期为2025年7月31日，统计区间为近一年。 榜单排名来自理财通AI全自动化实时排名，如您对数据有疑问，请在文末联系助理进一步核实。 | 00 कुव | 产品名称 | 管理人 | 净值增长 23 | 最大回撤 | 年化波动 22 | | --- | --- | --- | --- | --- | --- | | | 天工日开6号(微盛成 | 华夏理财 | 60.37% | 15.57% | 22.74% | | | 长低波指数) | | | | | | | | 销售机构:华夏银行 | | | | | | 天 | 华夏理财 | 50.43% | 12.39% | 26.41% | | | 小年号 | | | | | | | | 销售机构:华夏银行 | | | | | | 天 二十之三(约字基 | 华夏理财 | 45.49% | 15.64% | 18.60% | | | 488年指定为 | | | | | | | | 销售机构:华夏银行 | | | | | --- | --- | --- | --- | --- | --- | | 4 | 天 日 ...

Group 1 - The company SuYin Wealth Management has announced the issuance of a fixed-income financial product named Hengyuan Target Earnings Phase 56, with a total scale of 1 billion units [1] - The subscription period for the product is from August 7, 2025, to August 13, 2025, with a minimum investment amount of 1 yuan per investor [1] - The product has a duration of 756 days and an internal risk rating of level two, with a performance benchmark of an annualized return between 2.60% and 3.60% [1]

8月7日，据高盛工银理财披露，该公司发行的盛景封闭式固定收益类美元理财产品188期募集期为2025 年8月7日-2025年8月13日，募集期内产品计划募集规模1.1亿美元，A类份额首次认购1美元起购，B类份 额首次认购2000美元起购。产品为固定收益类，内部风险评级为PR1低风险，产品期限363天，A类份额 业绩比较基准3.25%-3.55%(年化)；B类份额业绩比较基准3.30%-3.60%(年化)。 注：业绩比较基准不是预期收益率，不代表产品的未来表现和实际收益，不构成对产品收益的承诺。 以上理财产品信息仅供参考，具体应以《产品说明书》等销售文件为准。本文不构成任何投资建议，投 资者据此操作，风险自担。 ...