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本报（chinatimes.net.cn）记者叶青 北京报道 近期国际贵金属市场呈现冲高回落的震荡格局，在美联储政策余波与市场情绪博弈中完成短期动能切 换，9月23日COMEX黄金价格一度攀升至3824.6美元/盎司的历史新高后，同期COMEX白银价格也升至 44.77美元/盎司。9月24日COMEX黄金价格回落至3797.1美元/盎司，白银价格也回落至44.40美元/盎 司，这反映短期多空分歧加剧。 "近期国际银价创出历史新高，这与贵金属属性相关，在美联储降息周期和商品反弹背景下，白银出现 大幅补涨。随着银价上涨，资金自然而然会流入白银市场，进一步推高银价。尽管鲍威尔的讲话抑制金 价再度创新高，但当前金银比长期处于较高位置，反映白银低估，后期上涨的概率较大。"创元期货分 析师何燚在接受《华夏时报》记者采访时表示。 鲍威尔持中性偏鸽态度 "9月23日国际金价和银价再度创出历史新高，其中长期驱动因素仍是市场对美联储降息预期的不断升温 所带来的流动性交易，以及地缘政治紧张局势持续所带来的避险性交易。与此同时，美国政府停摆危机 也是近两天贵金属价格上涨的推动因素之一。"光大期货分析师赵复初在接受《华夏时报》记者采访 ...

25日，沪指盘中窄幅震荡，创业板指、科创50指数较为强势，场内近3900股飘绿。 截至收盘，沪指微跌0.01%报3853.3点，深证成指涨0.67%报13445.9点，创业板指涨1.58%报3235.76点， 科创50指数涨1.24%；沪深北三市合计成交23920亿元。 太平洋证券表示，临近节前，波动明显放大，行业轮动加速。考虑到A股节前胜率普遍不佳，融资面临 长假风险和利息的双重压力，建议投资者暂时规避融资占比较大的板块，同时银行板块底部支撑明显， 可适当关注。 银华基金认为，"十一"假期临近，不能排除节前部分资金可能兑现离场。短期风险展望稳定，后续关注 国内是否跟进降息以及美国对华关税政策。总体而言，牛市氛围延续，市场有望保持震荡上行态势。 （文章来源：证券时报网） 盘面上看，物流、地产、石油、农业、银行、酿酒、医药等板块走低，有色、传媒等板块上扬，AI应 用概念、可控核聚变概念等活跃。 ...

香港特区政府行政长官上周发布的施政报告中提到的 《固定收益及货币市场发展路线图》 （以下简称《路线图》）将于 9 月 25 日下午正式发布。 9 月 25 日上午，香港证券及期货事务监察委员会（以下简称香港证监会）和香港金融管理局 （以下简称香港金管局）联合举办 " 香港固定收益及货币论坛 2025" （以下简称论坛）。 在论坛上，香港特区政府财政司司长陈茂波透露， 《路线图》将围绕 " 加强债券发行、提升 二级市场流动性、扩大离岸人民币业务、构建新型基础设施 " 四大支柱，推动一级、二级市 场协同发展 。 受超强台风影响，论坛转为线上进行，内地和香港特区政府及金融监管机构与全球机构投资 者，就香港固定收益与货币市场生态的发展以及人民币国际化的前景进行了深度探讨。 【导读】事关人民币国际化，香港即将发布《固定收益及货币市场发展路线图》，内地和香 港特区政府及金融监管机构重磅发声 中国基金报记者 郭玟君 陈茂波：香港从三大方向推动固收 与货币市场生态升级 香港特区政府财政司司长陈茂波 在致开幕辞时表示： " 当前，全球地缘政治紧张、保护主义 抬头，投资者纷纷寻求资产配置多元化，香港凭借 ' 安全港 ' 属性与优 ...

（原标题：打造美元替代方案！欧洲九大银行联盟官宣开发欧元稳定币） 智通财经APP获悉，为在美元主导的市场中开辟新选择，九家欧洲银行已携手启动欧元稳定币的开发项 目。 目前，该银行联盟已在荷兰成立一家新公司，专门负责推进这一项目。声明同时提到，联盟欢迎其他银 行加入这一倡议。 这一动态是欧洲银行对数字资产态度转暖的最新信号。此前数月，欧盟《加密资产市场监管法案》已全 面生效。据报道，西班牙桑坦德银行(SAN.US)正考虑进军该领域;而今年夏初，由德意志银行(DB.US) 旗下DWS Group支持的一家公司，已发行了一款欧元计价的稳定币。 据德卡银行(DekaBank)发布的声明，参与此次合作的银行包括意大利联合信贷银行(UNCRY.US)、荷兰 国际集团(ING.US)、德卡银行、塞拉银行(Banca Sella)、比利时联合银行集团(KBC Group NV)、丹麦丹 斯克银行(Danske Bank AS)、瑞典北欧斯安银行(SEB AB)、西班牙凯克萨银行(CAIXY.US)以及奥地利瑞 福森国际银行(RAIFY.US)。这款稳定币计划于2026年下半年正式推出。 声明指出，此次合作的目标是"为目前由美 ...

恒生银行(00011)尾盘跌超3%，截至发稿，跌2.79%，报114.9港元，成交额3.78亿港元。 消息面上，据新浪财经引述媒体报道称，汇丰控股近期罕见地直接介入旗下恒生银行的坏账处理，过去 两个月从伦敦总部派出球首席企业信贷官及特别信贷部门主管，督促恒生启动出售香港房地产不良贷款 组合的程序，预料涉及超过30亿美元。报道指，截至今年6月底，恒生银行的香港商业房地产不良贷款 额达约250亿港元，较去年同期大幅增加85%。 值得注意的是，惠誉近期发布报告称，由于恒生银行在香港特区商业房地产贷款方面的集中程度较高， 且自2024年以来，这些贷款的信用状况持续出现显著恶化，惠誉已将恒生银行的风险状况评分从"a"下 调至"a-"。截至2025年上半年末，这些贷款占恒生银行减值贷款的46%。鉴于房地产估值不断下降，惠 誉预计未来一到两年内情况还会进一步恶化。尽管如此，稳定的展望表明惠誉认为恒生银行的信用风险 管理较为积极主动。 ...

Group 1: Report Summary - The total bond custody scale in August increased by 150.6 billion yuan month-on-month, with a slower growth compared to July. The custody increments of treasury bonds and policy financial bonds rose, while the net financing scale of local bonds and credit bonds declined, and commercial bank bonds turned into net repayment. The custody scale of interbank certificates of deposit continued to decline significantly [4][7]. - In early August, the bond market oscillated and recovered, but after mid - August, sentiment weakened due to the continuous new highs of A - shares. Long - term interest rates were under pressure, while short - term rates were relatively resilient. From the perspective of institutional behavior, broad - based funds may have been affected by liability - side disturbances and reduced their bond holdings for the first time since February. Dealers also increased their holdings of interest - rate bonds. However, the承接 power of allocation - oriented investors was insufficient, which might have prevented interest rates from stabilizing in August. Notably, foreign institutions significantly narrowed their reduction of domestic bond holdings, possibly indicating an increase in their overall allocation of Chinese assets [4][9]. - Affected by the decline in the balance of repurchase agreements, the bond market leverage ratio slightly decreased by 0.1 percentage points to 107.5% in August, remaining at a relatively low level in recent years. Among different institutions, commercial banks' leverage ratio increased by 0.2 percentage points to 103.8%, while non - bank institutions' leverage ratio decreased by 0.5 percentage points to 116.9% [4][39]. Group 2: August Bond Custody Increment Analysis - Interest - rate bonds: The issuance scale of treasury bonds increased while the maturity scale decreased in August, with the custody increment rising by 38.42 billion yuan to 82.61 billion yuan. For policy financial bonds, the decline in the issuance scale was smaller than that in the maturity scale, and the custody increment increased by 22.23 billion yuan to 46.16 billion yuan. The issuance scale of local bonds decreased significantly while the maturity scale increased, and the custody increment decreased by 31.51 billion yuan to 51.72 billion yuan [7]. - Credit bonds: The issuance scale of medium - term notes and enterprise bonds decreased while the maturity scale increased. The custody increment of medium - term notes decreased by 11.05 billion yuan to 10.44 billion yuan, and the custody scale of enterprise bonds decreased by 3.53 billion yuan. The issuance scale of short - term commercial paper decreased, and the custody volume changed from an increase of 1.06 billion yuan in the previous month to a decrease of 4.61 billion yuan. The custody scale of PPN continued to decline by 1.53 billion yuan, with a narrower decline compared to the previous month [7]. - Other bonds: The issuance and maturity scales of interbank certificates of deposit both increased slightly, and the custody scale continued to decline by 35.56 billion yuan, with a narrower decline compared to the previous month. Commercial bank bonds turned into net repayment, with the custody volume changing from an increase of 36.9 billion yuan in the previous month to a decrease of 1.64 billion yuan. The custody increment of non - bank bonds increased by 2.04 billion yuan to 5.12 billion yuan, and the decline in the custody scale of credit - asset - backed securities narrowed by 0.58 billion yuan to 0.54 billion yuan [7]. Group 3: Institutional Behavior Analysis 3.1 Broad - based Funds - The bond custody scale of broad - based funds decreased by 19.17 billion yuan in August, mainly due to significant reductions in credit bonds and certificates of deposit, while slightly increasing holdings of interest - rate bonds. The reduction in holdings of interbank certificates of deposit, commercial bank bonds, and enterprise bonds increased, while the increase in holdings of medium - term notes and financial bonds on the Clearstream decreased. They turned to reduce holdings of short - term commercial paper and increase holdings of policy financial bonds [12]. 3.2 Securities Companies - The bond custody volume of securities companies increased by 190 million yuan in August, mainly due to a significant decrease in the reduction of treasury bonds, a slight decrease in the reduction of medium - term notes, an increase in the increase of policy financial bonds, and a turn to slightly increase holdings of financial bonds on the Clearstream. The reduction of bond holdings weakened significantly [18]. 3.3 Insurance Companies - The bond custody increment of insurance companies decreased by 5.76 billion yuan to 3.96 billion yuan in August, mainly due to a decrease in the increase of local bonds and treasury bonds, a turn to reduce holdings of policy financial bonds and medium - term notes, and an increase in the reduction of commercial bank bonds. They turned to reduce bond holdings [20]. 3.4 Foreign Institutions - The decline in the bond custody volume of foreign institutions significantly narrowed by 20.41 billion yuan to 9.97 billion yuan in August, with a significant decrease in the reduction of interbank certificates of deposit, treasury bonds, and policy financial bonds. They generally continued to reduce bond holdings, but the reduction intensity weakened [25]. 3.5 Other Institutions - The bond custody increment of other institutions, including the central bank, increased by 9.58 billion yuan to 33.52 billion yuan in August, mainly due to the increase in the net investment of outright reverse repurchase. They significantly increased holdings of local bonds, turned to reduce holdings of policy financial bonds, and slightly increased the reduction of treasury bonds. The increase in holdings of interbank certificates of deposit reached a new high since December 2022, while the increase in holdings of medium - term notes declined from a historical high [28]. 3.6 Commercial Banks - The bond custody increment of commercial banks decreased by 52.2 billion yuan to 120.01 billion yuan in August. They turned to reduce holdings of local bonds, possibly affected by the increase in the net investment of outright reverse repurchase and the concentration on local bonds. The increase in holdings of treasury bonds and policy financial bonds increased significantly, while the increase in holdings of financial bonds on the Clearstream decreased significantly [31]. 3.7 Credit Unions - The bond custody increment of credit unions decreased by 5.92 billion yuan to 1.04 billion yuan in August, mainly due to a decrease in the increase of policy financial bonds and treasury bonds and a turn to reduce holdings of interbank certificates of deposit. They turned to reduce bond holdings [37]. Group 4: Bond Market Leverage Ratio Analysis - The bond market leverage ratio decreased by 0.1 percentage points to 107.5% in August, remaining at a relatively low level in recent years. Commercial banks' leverage ratio increased by 0.2 percentage points to 103.8%, still significantly lower than the level before April 2024. Non - bank institutions' leverage ratio decreased by 0.5 percentage points to 116.9%, remaining at a relatively low level since 2022. Among non - bank institutions, securities companies' leverage ratio decreased by 12.8 percentage points to 215.1%, still at a relatively high level in the past three years. The leverage ratio of insurance and non - legal person products decreased by 0.4 percentage points to 113.8%, remaining at a relatively low level since 2022 [39].