Group 1 - The event "Venture Capital Development Conference" was held in Beijing, emphasizing the critical role of venture capital in promoting the "technology-industry-finance" cycle, with policies supporting the growth of patient capital and the establishment of national venture capital guidance funds [1][2] - The integration of banking and venture capital is highlighted as a key path to activate innovation and drive industrial upgrades, with Beijing Bank focusing on a comprehensive service model that combines equity and debt financing [2][5] - A report titled "China Venture Capital Market Development Index Report" was released, providing multidimensional research results including various development indices that reflect the operational status and structural changes in the Chinese venture capital market [4] Group 2 - Beijing Bank has committed to serving technological innovation as a strategic core, establishing a private equity business center and expanding its network to nearly 3,000 VC/PE institutions, while providing significant credit support to technology-oriented SMEs [5] - The bank has provided over 1.4 trillion yuan in credit to 58,000 technology SMEs, serving a large proportion of listed companies on various stock exchanges, demonstrating its commitment to supporting specialized and innovative enterprises [5] - A strategic cooperation agreement was signed between Beijing Bank and the China Investment Association Venture Capital Committee to enhance collaboration and create integrated solutions for equity empowerment and debt support [4]

当一家国有大行成为北京城市副中心建设的"合伙人"，将擦出怎样的火花？ 面对北京城市副中心"科技创新高地""国家绿色发展示范区""国际消费枢纽"的体系建设，邮储银行北京 分行以"五篇大文章"为纲，精准匹配区域发展需求，打造差异化金融服务体系。 科技创新是副中心高质量发展的核心引擎，也是邮储银行北京分行的重点发力方向。该行构建起"一体 多翼"创新模式，其视频移动营业厅车贷面签业务已服务超6万名客户，提供资金支持逾125.67亿元。针 对科创企业融资难题，2025年4月举办的"邮企通行，创引未来"新质创富大赛（通州赛区），让9家生物 医药、智能驾驶领域的优秀企业脱颖而出，该行联动提供超数十亿元贷款，形成"金融+产业"的赋能闭 环，为新城注入新质生产力。 作为国家绿色发展示范区，城市副中心的生态建设离不开金融的硬核支撑。邮储银行北京分行成立碳达 峰碳中和领导小组，创新"碳账户+信贷审批"模式，引导金融资源向绿色产业倾斜。多家绿色特色专营 机构相继落地，"降碳贷"等产品精准对接企业减排需求，为零碳算力园区等项目提供有力支持。目前， 该行绿色贷款余额已达952亿元，获评"气候友好型金融机构"，用金融杠杆推动城市副中心天更 ...

Market Performance - The Shanghai Composite Index rose by 0.38% while the Shenzhen Component Index fell by 0.05% and the ChiNext Index decreased by 0.52% [1] - Over 3,000 stocks declined across both markets, with a total trading volume of 1.11 trillion yuan [1] Sector Performance - The consumer sectors, including tourism, hotels, food, and retail, showed weakness, with significant declines in stocks such as Shuiyang Co., Nanjing Shanglv, and Yike Food [3] - The banking sector performed strongly, with China Bank and Industrial and Commercial Bank reaching historical highs [3] - The lithium battery supply chain was active, with stocks like Baichuan Co. hitting the daily limit [3] - The photolithography concept continued to show strength, with Guofeng New Materials achieving two consecutive trading limits [3] Corporate Actions - China International Capital Corporation, Dongxing Securities, and Xinda Securities announced a suspension of trading due to plans for a major asset restructuring, involving a share swap merger [3] Economic Indicators - The probability of the Federal Reserve lowering interest rates by 25 basis points in December is estimated at 32.7% [3]

工银瑞信最新公告称，自11月21日起，杨帆、张桦将分别出任公司总经理、副总经理。今年8月28日， 原总经理高翀因工作调动卸任，由董事长赵桂才暂代总经理职务。两位新任高管均出身大股东工商银 行：杨帆历任工行总行金融市场部副处长、处长，工银亚洲联席主管、主管，以及工行总行资产管理部 副总经理兼工银资管（全球）总经理、工行深圳分行党委委员、副行长；张桦则历任工行总行金融市场 部副处长、处长，总行金融市场部总经理助理、副总经理。 ...

周五（11月21日），全球市场避险情绪继续发酵，受隔夜美股剧烈震荡影响，亚太主要股指齐挫。A股 大幅调整，超5000股飘绿，沪指失守3900点，收跌2.45%报3834.89点，深成指、创指分别下跌3.41%、 4.02%。全市场成交1.98万亿元，环比显著放量。 科技成长首当其冲，硬科技宽基双创龙头ETF（588330）场内收跌4.1%。创业板人工智能ETF （159363）跳空低开，场内放量跌4.83%，失守所有短期均线。此前持续活跃的有色、化工等周期板块 亦受挫，有色龙头ETF（159876）、化工ETF（516020）双双重挫，不过场内放量溢价，显示抄底资金 活跃。 普跌之际，"银伟大"再秀防御力，中国银行逆市涨0.8%续创历史新高，全市场规模最大的银行ETF （512800）早盘一度翻红。消费股逆市表现，消费龙头ETF（516130）、食品ETF（515710）、农牧渔 ETF（159275）等均跑赢大市，东方证券提示，展望2026年，食品饮料板块或"易涨难跌"。 | 代码 | 美型 名称 | 现价 | 涨跌幅 ▼ | 成交额 | 溢折率 | | --- | --- | --- | --- | -- ...

Core Insights - The article discusses the comprehensive upgrade of credit card services by Ping An Bank, transforming credit cards from mere payment tools into integrated service platforms that enhance safety, convenience, health, and quality of life [1][5]. Summary by Sections Upgrade of Five Major Guarantees - Ping An Bank has introduced a "72-hour fraud protection" service, offering coverage for losses up to 300,000 yuan within 72 hours before reporting the loss, with a claims processing time of 3 to 5 working days [3]. - The bank provides travel insurance for all cardholders, covering various modes of transportation with a maximum coverage of 1 million yuan [3]. - An innovative "AI Doctor" service is now available, offering 12 free consultations per year for each cardholder, with a rapid response time of 5 seconds, catering to nearly 45 million cardholders [3]. - Flexible repayment options have been introduced, including self-deduction, scheduled payments, installment payments, and point redemption, along with a 3-day grace period and a minimum repayment ratio as low as 2% [3]. Service Experience Enhancement - A dedicated customer service system via WeChat has been established, providing one-on-one service with personalized care and recommendations for benefits and activities [4]. - Users can receive timely notifications about spending changes, bills, and repayment reminders through the official WeChat service account, facilitating quick account management [4]. Transition to a Comprehensive Service Model - The upgrade signifies a shift from a "transaction center" to a "user center" service paradigm, evolving credit cards into "lifestyle partners" rather than just payment instruments [5]. - The initiative aligns with Ping An Group's strategic focus on "reform and innovation," aiming for continuous service and product upgrades [5]. - The credit card is positioned as a gateway to a wide range of services, including insurance, health management, travel services, and quality consumption, embodying the "省心、省时、又省钱" (save worry, save time, save money) philosophy [5]. Future Outlook - With the integration of AI and big data, Ping An Bank's credit card services are expected to expand further into risk protection and health intervention, maintaining a user-centric approach [6]. - The goal is to create a financial lifestyle that is not only efficient but also warm and deep, establishing the credit card as an indispensable "all-in-one partner" in users' lives [6].

由50只流动性好、连续分红、红利支付率适中、每股股 息正增长以及股息率高且波动率低的股票组成,反映分 红水平高且波动率低的A股上市公司股票的整体表现,银 行、煤炭、交通运输行业合计占比超60% 論 恒生港股通高股息低波动指数 大盘今日集体调整，红利板块跌幅相对较小，恒生红利低波ETF（159545）全天净申购超2000万份。从周维度看，中证红 利低波动指数下跌2.3%，恒生港股通高股息低波动指数下跌3.0%，中证红利价值指数下跌3.1%，中证红利指数下跌3.7%， 恒生红利低波ETF（159545）本周前四日连续"吸金"，合计近2亿元。 据悉，易方达基金是目前唯一一家红利类ETF全部实行低费率的基金公司，恒生红利低波ETF（159545）、红利ETF易方达 （515180）、红利低波动ETF（563020）、红利价值ETF（563700）等产品管理费率均为0.15%/年，可助力投资者低成本布 局高股息资产。 | | 中证红利 | 中证红利低 | 恒生养股通 | 中证红利价 | | --- | --- | --- | --- | --- | | | 指数 | 波动指数 | 高股息低波 动指数 | 值指数 | | ...

来源：市场投研资讯 （来源：汇丰晋信基金） 本周市场回顾 本周A股市场呈现调整趋势，本周上证指数累计跌幅3.90%，深证成指累计跌幅5.13%，创业板指累计跌幅6.15%，微盘股指数表现弱于大盘，显示 小盘股的调整压力更大。内部因素来看，10月工业增加值同比增速回落至4.9%，社零增速降至2.9%，房地产持续回调，拖累市场信心；外部因素上 看，地缘政治风险、美联储鹰派表态、美股的震荡调整，也对A股情绪形成扰动。 表一：本周各指数涨跌幅 数据来源：Wind，截至2025.11.21。过往表现不预示未来，市场有风险，投资需谨慎。 本周银行板块防御性凸显 近期国内外大厂相继发布AI应用端的重大进展，某电子商务龙头公司推出"千问"app，全面对标ChatGPT，并迅速冲入苹果免费榜前四；同时， OpenAI发布下一代视频生成模型Sora2，以AI营销、AI智能体为首的 AI应用端全线爆发，逆势走强。 *文中所示公司仅作示意，不构成投资建议，市场有风险，投资需谨慎。 11月19日，广期所碳酸锂主力合约自2024年6月以来首次突破10万元/吨关口，锂矿股再获提振，但后半段动力不足，同时前期强势的电解液方向回 落，锂电产业 ...

新华财经法兰克福11月20日电（作者刘向单玮怡马悦然）"我们需要进入中国市场，那里有数千家德国 企业。中国仍然是亚太地区最大、最重要的市场，特别是对于德国企业客户而言。"德国巴登-符腾堡州 （巴符州）银行董事总经理兼亚太区负责人延斯·鲁贝特近日在欧元金融周"中国日"活动上谈起巴符州 银行几年前决定入驻上海陆家嘴的原因。 鲁贝特在"中国日"活动后接受新华社记者采访时说，巴符州银行2019年针对亚太地区业务进行战略调 整，决定在上海设立分支机构。巴符州银行上海分行2022年正式开业，主要面向在华德国、奥地利和瑞 士企业，过去三年发展良好。"从战略和长远角度来看，我们对开设上海分行的决定非常满意。" 中国市场的重要性长期存在，德国企业对中国市场的投资意愿依然稳健，这不仅仅是鲁贝特的一家之 言。 德国法兰克福正在举行的欧洲金融界盛会第28届欧元金融周期间，记者在现场聆听到越来越多希望加强 中德经济和金融合作的理性声音。 中德金融界人士普遍认为，中欧金融市场互联互通，不仅是深化双边经贸合作的应有之义，更能发挥稳 定全球市场预期的重要作用。中欧应进一步发挥各自优势加强对接合作，共同应对全球性挑战。 （文章来源：新华社） ...

新华财经香港11月21日电 21日港股主要指数低开低走，截至收盘，恒生指数下跌2.38%至25220.02点， 恒生科技指数下跌3.21%至5395.49点，国企指数下跌2.45%至8919.78点。 当日恒指低开375.15点，开报25460.42点，全日大幅波动，先降后升，尾市又有大幅下降，最终恒指跌 615.55点，主板成交超2857亿港元。截至收盘，上涨股票423只，下跌1885只，收平908只。当日，港股 通（南向）净流入超1亿港元。 整体来看，多数板块下跌，养老概念股多有上涨，新消费等股有涨有跌，生物医药、科网、芯片、黄 金、新能源车企、银行、保险、券商等股多有下跌。 个股方面，中芯国际跌6.39%，美团跌2.99%，泡泡玛特跌1.04%，宁德时代跌3.73%，比亚迪股份跌 2.57%，华虹半导体跌6.09%，中国平安跌2.32%，赣锋锂业跌12.47%，长风药业涨4.48%，中国电信涨 0.69%，恒生银行跌0.13%，建设银行跌1.58%，中国石油股份跌3.33%，紫金矿业跌3.60%。 成交额前三的个股中，阿里巴巴跌4.65%，成交超209亿港元；小米集团涨1.01%，成交超158亿港元； ...