9月25日，中国银行研究院发布《2025年四季度经济金融展望报告》。 《报告》主要回顾了2025年三季 度全球和中国经济金融运行以及全球银行业运行情况，展望了2025年四季度经济金融形势以及全球银行 业发展趋势。报告称，展望四季度，随着政策持续发力，主要金融数据有望回暖，人民币汇率波动中走 升，将有望保持稳中有升态势。 展望四季度，随着政策持续发力，主要金融数据有望回暖，但预计将延续分化态势：一是融资总量稳步 扩张。四季度对全年及"十四五"经济目标完成至关重要，加之"十五五"规划将出台，预计增量政策将同 步推出，基建、房地产等重要领域有望迎来更多利好，将带动融资总量保持稳定增长，但信贷出现大幅 多增可能性较小。 二是重点领域和薄弱环节资金投放维持中高速增长。在结构性货币政策工具带动下，金融机构将持续加 大对科创、绿色、养老等领域的支持力度，预计相关领域信贷增速有望保持中高速增长，且将继续高于 全部贷款增速。随着北京、上海等地房地产政策持续放松，预计房地产贷款增速有望稳步回暖。 三是政府债券融资将继续保持高位。财政政策将持续强化逆周期调节，加之地方投资需求提速等因素带 动下，四季度政府债券发行规模预计将继续保持 ...

Core Viewpoint - The meeting held in Zibo High-tech Zone aims to address the financing difficulties faced by private enterprises and enhance the quality of financial services, creating a platform for direct communication between government, financial institutions, and businesses [1][2]. Group 1: Meeting Overview - The "Financial Reception Room" and the special docking meeting for financial direct connection gathered government departments, financial regulatory bodies, various financial institutions, and representatives from over ten enterprises in the high-tech zone [1]. - The meeting featured participation from key financial institutions including Industrial and Commercial Bank of China, Agricultural Bank of China, and several insurance companies, forming a multi-dimensional financial service alliance [1][2]. Group 2: Financial Products and Services - Financial institutions introduced tailored financial products for private enterprises, particularly for technology innovation-oriented small and medium-sized enterprises [2]. - Agricultural Bank of China presented the "Kejie Loan," which offers a maximum credit of 10 million yuan for specialized small giant enterprises and national technology innovation demonstration units [2]. - Qishang Bank promoted the "Entrepreneurial Guarantee Loan," which has a subsidized interest rate of 1.75% after adjustments, aimed at supporting personal entrepreneurship and small businesses [3]. Group 3: Impact on Enterprises - The financial support is crucial for enterprises like Shandong Meiflu Technology Co., which requires significant funding for R&D and capacity building [3]. - The continuous organization of financial institution meetings by the high-tech zone has facilitated financing channels for enterprises [3]. Group 4: Broader Financial Initiatives - This meeting is part of a broader initiative to deepen financial supply-side structural reforms and optimize the business environment in the high-tech zone [3]. - Earlier in the year, a similar high-profile meeting was held to connect over 60 financial institutions with more than 50 emerging enterprises, further bridging the gap between capital and industry [4]. Group 5: Ongoing Financial Flow - The ongoing "financial direct connection" and the effects of the "Financial Reception Room" are continuously channeling financial resources to enterprises in need [5].

智通财经APP获悉，据媒体消息，为满足日益增长的银行和理财服务需求，多家国际大型银行已将高层 管理人员调派至香港，德银、摩根大通、渣打、花旗集团、星展银行等已开始在香港增聘人手。中金公 司、中信证券等中资券商最近亦出招挽留人才。另外，猎头公司Links International的金融服务主管指， 与去年相比，今年收到委托填补的职位数量增加30%至40%，主因是香港IPO及并购活动增加。 而早年减薪的内地金融券商，市传最近为留住人才，亦出招挽留人才。中金公司为高级投资银行家增设 新职级，新增职位包括高级董事总经理及总监。另中信证券则拟为旗下香港附属公司中信里昂证券职员 增薪，部分初级助理月薪加幅15至30%。 今年以来，港股IPO市场认购盛况空前，"超额认购王"纪录屡创新高。德勤预计，今年前三季度，香港 将迎来66只新股上市，集资总额达1823亿港元。新股数量较去年同期的45只增长47%，集资额较去年同 期的556亿港元大幅上升228%。德勤在报告中指出，预计今年最后一个季度，香港新股市场将延续强劲 势头，2025年全年香港将迎来超过80宗新股上市，总集资额介于2500亿至2800亿港元之间。 德勤中国华南区 ...

Group 1 - The core idea of the articles is that Zhejiang Commercial Bank is innovating its anti-fraud education methods by utilizing immersive and mobile formats to effectively reach a wider audience and enhance public awareness of fraud schemes [2][4][6] - Zhejiang Commercial Bank launched the "Zhejiang Bank Consumer Protection Anti-Fraud Laboratory" which features three virtual high-fraud areas: campus, county, and community, using engaging experiments and situational performances to dissect common fraud tactics [2][6] - The live broadcast attracted significant attention, with 151,000 total views, a peak of 25,000 concurrent viewers, and 559,000 likes, demonstrating the effectiveness of the interactive approach in making anti-fraud knowledge more accessible [2] Group 2 - In addition to online initiatives, Zhejiang Commercial Bank is also conducting real-world financial knowledge events, such as a pop-up activity at Hangzhou Xiaoshan International Airport, to engage travelers and disseminate financial safety information [4][6] - The bank's activities span multiple cities including Beijing, Zhengzhou, Xi'an, and Chengdu, employing a variety of formats like online live streams, offline events, and short video competitions to create a comprehensive communication matrix [6] - The approach combines professional insights into fraud with practical experiences to strengthen public understanding and build a robust risk defense, showcasing the bank's commitment to proactive consumer protection [6]

在这里办理离境退税"即买即退"业务，境外旅客既可以选择直接拿到现金退税款，也可以选择电子支付 方式即时到账。还可以使用支付宝"碰一下"退税功能，实现退税款实时转入个人支付宝电子钱包，或在 支付宝搜索"入境人士退税"等方式，调出本人收款二维码，完成收款操作。 新京报讯 据"北京顺义"微信公众号消息，北京市在全国首创银行网点为境外旅客提供离境退税"即买即 退"服务的新模式上线了。位于中粮.祥云小镇的中国银行北京自贸试验区后沙峪支行，成为顺义区首家 离境退税"即买即退"集中退付点，为境外旅客提供更加高效、安全的退税体验。 离境退税"即买即退"集中退付点，是指境外旅客在退税商店购买退税物品时，获得退税商店开具的《境 外旅客购物离境退税申请单》，即可在离境退税"即买即退"集中退付点办理现场退税。集中退付点将退 税前置，消费链条延长，退税环节由口岸离境提前至消费环节，境外旅客第一时间就能拿到退税款。此 举极大简化了传统退税流程，有效提升了境外旅客的购物体验。 目前，离境退税"即买即退"服务限额由5万元提升至22万元，"即买即退"服务离境期限由17天延长至28 天。境外旅客在北京市1500余家退税商店中的任意一家购物，其离 ...

直播中，反诈专家"金博士"头顶橙色假发，手持一台"反诈能量探测仪"，与两位主播组成反 诈 实 验 室 三 人 组 ， 通 过 AI 智 能 体 、 情 景 演 绎 等 方 式 ， 拆 解 出 "AI 模 仿 亲 友 声 音 " " 网 恋 杀 猪 盘" "英语四级保过骗局"等高发诈骗场景背后防不胜防的套路。 此外，除了反诈实验室三人组，直播间还请到了驻村干部孙书记、反诈民警朱警官、在校大 学生叶同学，嘉宾们结合亲身经历及一线反诈经验，深度解析"高铁票退改签" "兼职刷单" "青 少年绝版小卡交易" "平台会员退费"等典型诈骗手法，"官方+亲历者"的组合，让知识可信度 与情绪共鸣同步拉满。 当骗子的"剧本"已经从短信、电话升级到AI换脸、共享屏幕、元宇宙客服，银行也开始寻找"反 诈"宣传的另一种打开方式。 金秋9月，浙商银行积极响应国家金融监督管理总局、中国人民银行、中国证券监督管理委员 会关于开展金融教育宣传周活动号召，以"移动式+沉浸式"的方式进行宣传教育。在线上，浙 商银行把"反诈实验室"直接搬进直播间，用真场景、真实验、真经历，把新型骗局"剧本"在 现场细细拆解；在线下，"空中反诈课堂"让旅客在飞行中既 ...

Market Overview - The A-share market experienced a volatile upward trend in the morning session, with a total trading volume of 15,558 billion yuan, an increase of 1,355 billion yuan compared to the previous day [1] - The major indices showed positive performance, with the CSI A500 index rising by 1.0%, the CSI 300 index increasing by 0.9%, the ChiNext index up by 2.2%, and the STAR Market 50 index gaining 1.8% [1] Sector Performance - Leading sectors included AI applications, controllable nuclear fusion, and non-ferrous metals, while sectors such as precious metals, port shipping, real estate, logistics, and banking faced declines [1] - In the Hong Kong market, there was also an upward trend, with non-ferrous metals and lithium battery sectors performing well, while the liquor and home appliance sectors saw declines [1] Index Details - The Hang Seng China Enterprises Index, which consists of 50 large-cap and actively traded stocks listed in Hong Kong, showed a rise of 0.6% at midday [4] - The index covers a wide range of industries, with consumer discretionary, financials, information technology, and energy sectors accounting for over 85% of its composition [4]

Market Overview - The ChiNext index surged over 2.22%, with Ningde Times surpassing the market capitalization of Moutai, indicating strong market activity [1][3] - The overall market showed mixed performance, with the Shanghai Composite Index rising 0.16%, the Shenzhen Component Index increasing by 1.14%, and a significant trading volume of 1.5558 trillion yuan, up 135.5 billion yuan from the previous day [3] Sector Performance - The AI application sector experienced significant gains, with companies like Kunlun Wanwei rising by 10% and others like Yiwang Yichuang and Tianxiaxiu hitting the daily limit [3][4] - The copper sector also saw strong performance, with companies such as Northern Copper Industry and Jingyi Co. hitting the daily limit, driven by positive news [3] - Conversely, sectors like precious metals, port shipping, and gas showed weakness, with companies like Nanjing Port and Ningbo Ocean experiencing declines, and the real estate sector facing significant drops, including a limit down for Dalong Real Estate [3][4] Investment Insights - The surge in the ChiNext and Ningde Times is attributed to the solid foundation of the battery sector and the current investor preference for growth stocks [4] - The leading sectors in AI applications and computing hardware are benefiting from industry demand, while the underperforming sectors may be experiencing a necessary correction or missing out on recent news [4] - Investors are advised to focus on stocks with solid fundamentals rather than being swayed by short-term market fluctuations, emphasizing the importance of patience in investment decisions [4]

转自：中国质量报 据了解，"京质贷"的申请要素主要有质量信用、质量管理、质量品牌、质量基础和质量创新5方面。其 中，质量管理要素包括中国质量奖、北京市质量管理奖获奖企业，建立首席质量官（质量安全总监、标 准化总监）制度，获评北京市质量人才典型案例；质量品牌要素包括质量强国建设领军企业、质量强链 链主企业，获评中华老字号商标保护企业，获得企业标准"领跑者"的企业等；质量基础要素包括国家计 量技术规范起草单位，北京市产业计量测试中心所在企业，国家级、市级标准化试点示范项目企业，承 担国际、全国标准化技术组织秘书处企业，国际标准、国家标准牵头起草单位，人员在国际标准组织技 术机构中承担主席、副主席、召集人的企业等；质量创新要素包括获评北京市知识产权试点企业，获得 中国专利奖金奖、银奖、优秀奖。申请流程分为提出申请、资质审核、贷款发放、贷后管理4步。 据北京银行北京分行数字金融部总经理赵毅介绍，今年4月，北京银行试点推出围绕质量增信维度的专 属金融产品，北京市首批有24家企业成功获得1.2亿元融资增信资金。作为北京银行质量融资增信服务 的核心产品，"京质贷"产品在原有产品基础上实现迭代优化，服务区域成功拓展至北京全市 ...

Market Overview - On September 25, the A-share market experienced a morning rally, with the ChiNext Index reaching a three-year high. By midday, the Shanghai Composite Index rose by 0.16%, the Shenzhen Component Index increased by 1.14%, and the ChiNext Index surged by 2.22%. The total trading volume in the Shanghai and Shenzhen markets exceeded 1.5 trillion yuan [1][2]. Sector Performance - Sectors such as gaming, AI applications, and controllable nuclear fusion saw significant gains, while sectors like port shipping, precious metals, and tourism faced declines [3][4]. Notable Stock Movements - Contemporary Amperex Technology Co., Ltd. (CATL) saw its stock price exceed 400 yuan, closing with a market capitalization surpassing 1.83 trillion yuan, overtaking Kweichow Moutai and China Construction Bank to rank third in A-shares [5][6][7]. - Chery Automobile successfully listed on the Hong Kong Stock Exchange, with its stock price rising by 8.55% on the first day, bringing its market capitalization close to 200 billion HKD [8]. Technology Sector Developments - The technology sector continued to strengthen, with the STAR 50 Index rising by 1.8%. Notable stocks included Shengwei New Materials, which hit the daily limit, and Stone Technology, which rose over 5% [9]. - A collaboration between Alibaba Cloud and NVIDIA in the Physical AI field was announced, aiming to enhance the development cycle for applications like embodied intelligence and assisted driving [9][10]. Copper Market Impact - A mudslide incident at Freeport McMoRan's Grasberg mine in Indonesia led to a significant increase in copper prices, with LME copper rising by 3.27% to reach 10,320 USD/ton, the highest level since June 2024. The mine's production is expected to drop by 35% by 2026 due to the incident [11][12].