Core Viewpoint - In the current era, inheritance and innovation are eternal themes in corporate development, with a dialectical relationship between the two. YunYueDong APP focuses on agricultural investment development, embodying the principle of "exploring win-win channels and harvesting wealth value" through innovation within tradition [1]. Group 1: Business Model - YunYueDong APP centers its operations around the "Three Rural" projects, establishing three main business models: rural finance, industrial funds, and industrial investment. The platform offers diversified financial services to agricultural enterprises and farmers while providing rich investment options for investors [3]. - The platform has designed over a dozen financial products tailored to different investor sizes, ranging from stable medium-return products to high-yield challenge products, catering to various financial plans, psychological expectations, and risk preferences of investors [3]. Group 2: Risk Management - The professional risk control team of YunYueDong APP comprehensively tracks the use of funds, ensuring that every investment has a clear market direction. The company regularly reports detailed regulatory conditions to investors, ensuring investment safety and transparency [5]. Group 3: Corporate Culture and Future Plans - As a veteran in the financial industry, YunYueDong APP focuses on creating value for investors and emphasizes trust. The company provides safe and efficient investment services to help investors achieve stable asset appreciation [7]. - The corporate culture of YunYueDong APP emphasizes harmony, openness, and balance, valuing user experience and safety while promoting continuous learning and sharing. This culture enhances employee cohesion and drives the platform's sustainable development [7]. - Recently, YunYueDong APP announced its plans for an IPO, expected to launch in mid to late July, marking a new starting point for the company's development and showcasing its achievements in the financial services sector [7].

证券研究报告 奇富科技-S (3660 HK/QFIN US) 2025 年中期策略会速递— 盈利高质量，贷款质量稳健 | 华泰研究 | | | 更新报告 | | --- | --- | --- | --- | | 2025 年 | 6 月 | 05 日│中国香港/美国 | 其他多元金融 | 6 月 4 日奇富科技出席了我们组织的 2025 年中期策略会，会上公司回顾了 1Q25 的经营情况，并解答了投资者关注的问题。1Q25 需求具有韧性，同 时营销策略持续优化。贷款质量保持健康，C-M2 基本稳定。另外公司重视 股东回报，股份回购持续推进。我们认为公司运营稳健，质量稳定，利润"安 全垫"较为充足，预计 25 年盈利有望进一步提升，维持"买入"评级。 贷款质量保持稳健，盈利质量高 1Q25 C-M2 比例略升至 0.60%（4Q24：0.57%），首日逾期率升至 5.0% （4Q24：4.8%），30 天回款率环比持平于 88.1%。贷款质量仍然维持健康。 基于当前的宏观环境，结合公司谨慎的贷款投放和对风险的重视，我们预计 内年的 C-M2 比例有望大致维持在当前水平。另外 1Q25 的拨备计提率约 4.9 ...

证券研究报告 奇富科技-S (3660 HK/QFIN US) 2025 年中期策略会速递— 盈利高质量，贷款质量稳健 | 华泰研究 | | | 更新报告 | | --- | --- | --- | --- | | 2025 年 | 6 月 | 05 日│中国香港/美国 | 其他多元金融 | 6 月 4 日奇富科技出席了我们组织的 2025 年中期策略会，会上公司回顾了 1Q25 的经营情况，并解答了投资者关注的问题。1Q25 需求具有韧性，同 时营销策略持续优化。贷款质量保持健康，C-M2 基本稳定。另外公司重视 股东回报，股份回购持续推进。我们认为公司运营稳健，质量稳定，利润"安 全垫"较为充足，预计 25 年盈利有望进一步提升，维持"买入"评级。 贷款质量保持稳健，盈利质量高 1Q25 C-M2 比例略升至 0.60%（4Q24：0.57%），首日逾期率升至 5.0% （4Q24：4.8%），30 天回款率环比持平于 88.1%。贷款质量仍然维持健康。 基于当前的宏观环境，结合公司谨慎的贷款投放和对风险的重视，我们预计 内年的 C-M2 比例有望大致维持在当前水平。另外 1Q25 的拨备计提率约 4.9 ...

（原标题：和讯投顾黄儒琛：月末节点不好做，大盘一日游） 对于那些看到批量高潮或者逆势走高的题材方向，就确认其进入主升期的投资者，你们今天是否又要吹 捧创新药，认为它会走出6月份的主升行情呢？接下来，我们谈谈对医药板块的看法。逆势上涨的题材 可能会随着指数调整而补跌，但如果逆势上涨且顺势更强，那么就叫作穿越。难道今天真的要去博弈医 药板块穿越吗？如果你觉得这是马后炮，那么请注意，我们在本周二就已经提示观察那些顶着重点监 控、打高度的弹性品种，需要高看一眼。你可以回想一下自己是什么时候买入的。 月末节点的市场操作往往较为困难，尤其是恰逢端午节前的最后一个交易日。昨天市场还呈现出一片乐 观态势，仿佛给了投资者一只"鸡"，但今天却收回了一头"牛"，高位抱团股批量跌停。昨天被市场热捧 的稳定币概念，今天除了前排个股外，基本也没有什么赚钱效应。从情绪上看，昨天市场情绪达到高 潮，但今天直接出现了强分歧，且这种分歧带有明显的退潮性质。这种变化重点体现在最近两周的热门 题材方向上。数据显示，昨天有超过4000家个股收红，而今天则有超过4000家个股收绿。 最后，我们再谈谈抱团高标股。抱团股都是通过换手率上来的，也就是说，它们 ...

零钱往哪放？理财收益率跟踪 金十数据5月29日讯，腾讯理财通余额+7日年化收益率最高为1.6880%，最低为1.0300%，微信零钱通7 日年化收益率最高为1.3570%，最低为1.1840%，支付宝余额宝7日年化收益率最高为1.5120%，最低为 1.1150%。 ...

Market Overview - The index continues to experience fluctuations, targeting the 3200-point mark, with the banking sector supporting the index while brokerage and internet finance sectors remain volatile [1] - Short-term themes are characterized by extreme volatility, with many stocks showing one-day performance, indicating a lack of sustained momentum [1][2] Sector Performance - The nuclear power sector, despite significant external investment and domestic policy support, faced heavy selling pressure, leading to weak performance of key stocks like Shanghai and Lanstone [1] - The overall sentiment in the market remains low, with expectations of further adjustments as the index approaches 3200 points [2] High-Quality Sectors - The chemical and electric power sectors are identified as the only viable high-quality sectors for investment, with strong underlying logic supporting their performance [3] - The electric power sector benefits from increased demand due to rising temperatures and the growth of data centers, while the chemical sector is expected to see long-term gains due to global trade tensions and supply chain issues [3] ETF Performance - Food and beverage ETF (515170) has seen a recent decline of 1.34% with a market cap of 55.8 billion, indicating a net outflow of 100.8 million [5] - Gaming ETF (159869) has decreased by 2.80% with a market cap of 57.0 billion, showing a significant net outflow of 2633.3 million [5] - Cloud computing ETF (516630) has experienced a decline of 1.83% with a market cap of 5.5 billion, reflecting a net outflow of 408.1 million [6]

零钱往哪放？理财收益率跟踪 金十数据5月26日讯，腾讯理财通余额+7日年化收益率最高为1.7200%，最低为1.0300%，微信零钱通7 日年化收益率最高为1.3420%，最低为1.1740%，支付宝余额宝7日年化收益率最高为1.4890%，最低为 1.1310%。 ...

Group 1: Core Insights - The rise of internet project financing platforms is driven by the need for more accessible and flexible funding options for entrepreneurs, as traditional financing methods are often limited [3] - These platforms facilitate the connection between capital and creative projects through online project displays, smart investor matching, and financing consultation [1][8] - The continuous advancement of internet technology, including big data and artificial intelligence, enhances the platforms' ability to assess project risks and improve investment decision-making accuracy [4] Group 2: Current Development Status - The market scale of internet project financing platforms is expanding as more entrepreneurs recognize their benefits, leading to increased funding through these platforms [9] - Innovative financing models such as equity crowdfunding, debt financing, and joint investment are emerging, providing entrepreneurs with diverse funding options [9] - Supportive policies and strengthened regulations are creating a favorable legal environment for platform development while ensuring market order and investor protection [9] Group 3: Future Trends - Internet project financing platforms will continue to explore diversified financing models, including supply chain and industry chain finance, to meet the needs of various entrepreneurs and investors [8] - Technological innovation and smart development will be driven by the application of big data, artificial intelligence, and blockchain, enhancing risk assessment and investment decision-making [8] - Cross-industry collaboration will be pursued to build ecosystems that offer additional services, such as policy interpretation and legal consulting, to support entrepreneurs [8] - The platforms are expected to move towards internationalization, collaborating with overseas platforms to introduce quality international projects and provide more global development opportunities for entrepreneurs [8]

在当今快速发展的互联网金融时代，众橙以其独特的商业模式和创新理念，正在成为共享农庄投资领域 的一颗璀璨新星。作为一家专注于为投资者提供多元化投资选择的平台，众橙不仅在技术上不断创新， 更在企业文化建设上有着深刻的内涵和长远的规划。 众橙的企业文化是其成功的关键因素之一。众橙将"诚信、创新、责任、服务"作为企业文化的基石，通 过内部培训、文化活动等方式，增强员工对企业文化的认同感和归属感。在技术创新方面，众橙的专业 技术团队发挥了重要作用。他们不仅具备深厚的技术背景，还拥有丰富的行业经验。通过不断的技术创 新和优化，为众橙的数字化转型提供了强大的技术支持。众橙将根据不同金融机构的业务需求，提供多 种细分金融场景下的智能算法模型分析服务。通过充分整合各类金融资源优势，众橙将不断提升企业的 服务创新拓展能力和产品创新研发能力，广泛开拓多市场领域，创新金融服务体系。 了强大的金融支持。众橙相信，通过党建引领和企业文化建设的深度融合，企业将能够更好地应对市场 挑战，实现可持续发展。 近期，众橙也宣布上市计划，将于七月下旬上市。众橙的愿景是打造中国互联网金融理财平台行业领先 品牌"。这一目标不仅是对自身的严格要求，更是对 ...