银行破产最高赔50万？很多人不知道，这三种情况一分不赔！一文说清 前几天陪我妈去小区楼下的银行存钱，她攥着刚取的15万养老钱，在柜台前跟经理磨了半天："我听楼下张姨说，银行要是倒闭了最多赔50万，我这钱 存进来，肯定能保住吧？"经理笑着拍胸脯保证"绝对安全"，可回家路上我跟我妈说："妈，这50万赔偿不是'万能险'，有些情况就算银行真倒闭了，一 分钱都拿不到。"我妈当场就停住脚："还有这事儿？那我这钱可不能瞎存！" 其实不止我妈，身边八成的人都只记住了"银行破产最高赔50万"，却没仔细看《存款保险条例》里的"免责条款"——这50万赔偿有明确的覆盖范围， 真遇到三种情况，就算你存了钱，也拿不到赔偿。 还有一种更坑的情况：有些银行员工私下推销"高息存款"，其实是他们自己搞的"飞单"（不是银行正规业务），你把钱交出去，本质是"被员工骗 了"，就算银行倒闭了，这钱也不算"被保险存款"，一分不赔。 我同事小王去年就在银行买了10万的"结构性存款"，当时银行经理说"跟存款差不多，利息还高"，结果今年听说那家银行风险等级上升，他慌了，去 问要是银行倒闭能不能赔，银保监会的工作人员告诉他："你买的是'结构性存款'，如果合同里写 ...

尽管代理了无数竞业限制案件，律师崔灿一直记得一位女孩的故事。 她30岁出头，此前在杭州某大厂工作，几乎每天凌晨两三点下班。一次，她请假去拍婚纱照，没多久就 被公司召回，穿着婚纱跑回去加班。她觉得这样的生活很没有意义，选择了离职。 对竞业限制并无概念的她，入职了竞争对手公司，很快被前公司派的侦探拍到了证据。 当年的大年二十九前后，她因为得了严重的气胸在病床上等待手术时，收到了前司的传票。她被索赔两 倍年薪，一百五六十万。 女孩经常半夜痛哭，已经确诊重度抑郁。目前案件在一审过程中。崔灿感叹：一个传票轻飘飘的，其实 它重量很大。 近些年，竞业协议争议不断。某种程度上，它在职时是管理手段，离职时可以成为围猎普通人的工具。 崔灿长期代理竞业限制相关的案件，去年从团队独立之后，开始只接劳动者一方的竞业限制案件。我们 还请来一位互联网行业资深猎头，一起聊了有关竞业协议存在的七个争议，以及被竞业限制困住的普通 人的故事。 我们也会讨论，最高法最新的司法解释，以及人社部最新印发的"竞业限制合规指引"能为行业带来怎样 的改变？从公司角度，为什么要求员工签竞业？员工又该如何保护自己？ 以下是镜相工作室与律师崔灿、猎头杜康的对话： ...

融券方面，中粮资本9月30日融券偿还1.22万股，融券卖出4600.00股，按当日收盘价计算，卖出金额 6.16万元；融券余量50.14万股，融券余额671.37万元，超过近一年90%分位水平，处于高位。 机构持仓方面，截止2025年6月30日，中粮资本十大流通股东中，南方中证500ETF（510500）位居第四 大流通股东，持股1366.31万股，相比上期增加164.79万股。香港中央结算有限公司位居第五大流通股 东，持股1341.16万股，相比上期增加613.64万股。 责任编辑：小浪快报 资料显示，中粮资本控股股份有限公司位于北京市朝阳区中粮福临门大厦11层1105，成立日期2004年12 月29日，上市日期2010年6月3日，公司主营业务涉及信托、期货、保险、银行等金融业务。主营业务收 入构成为：保险分部72.02%，信托分部15.30%，期货分部12.23%，其他0.46%。 截至9月19日，中粮资本股东户数13.20万，较上期减少2.94%；人均流通股17455股，较上期增加 3.03%。2025年1月-6月，中粮资本实现营业收入48.93亿元，同比减少62.60%；归母净利润8.48亿元，同 比 ...

Company Overview - Zhongliang Capital's stock price decreased by 2.05% on September 30, closing at 13.38 CNY per share, with a total market capitalization of 30.83 billion CNY [1] - The company was established on December 29, 2004, and listed on June 3, 2010, with its main business activities including trust, futures, insurance, and banking [1] Financial Performance - For the first half of 2025, Zhongliang Capital reported operating revenue of 4.893 billion CNY, a year-on-year decrease of 62.60%, and a net profit attributable to shareholders of 848 million CNY, down 27.83% year-on-year [2] - The company has distributed a total of 1.503 billion CNY in dividends since its A-share listing, with 850 million CNY distributed over the last three years [3] Shareholder Information - As of September 19, 2025, Zhongliang Capital had 132,000 shareholders, a decrease of 2.94% from the previous period, with an average of 17,455 circulating shares per shareholder, an increase of 3.03% [2] - The top circulating shareholders include Southern CSI 500 ETF, holding 13.6631 million shares, and Hong Kong Central Clearing Limited, holding 13.4116 million shares, both showing increases in holdings compared to the previous period [3] Market Activity - Year-to-date, Zhongliang Capital's stock has increased by 1.12%, with a 0.60% increase over the last five trading days, a 2.05% decrease over the last 20 days, and a 7.54% increase over the last 60 days [1] - The company has appeared on the trading leaderboard once this year, with a net buy of 183 million CNY on September 17, accounting for 13.39% of total trading volume [1]

Core Viewpoint - 中粮资本's stock price has shown fluctuations with a slight increase of 2.03% on September 29, 2023, while the company faces a significant decline in revenue and profit for the first half of 2025 compared to the previous year [1][2]. Group 1: Stock Performance - As of September 29, 中粮资本's stock price reached 13.56 yuan per share, with a total market capitalization of 31.244 billion yuan [1]. - The stock has increased by 2.48% year-to-date, but has seen a decline of 1.53% over the last five trading days and 3.28% over the last twenty days [1]. - The company has appeared on the龙虎榜 once this year, with a net buy of 183 million yuan on September 17 [1]. Group 2: Financial Performance - For the first half of 2025, 中粮资本 reported an operating income of 4.893 billion yuan, a decrease of 62.60% year-on-year, and a net profit attributable to shareholders of 848 million yuan, down 27.83% year-on-year [2]. - The company has distributed a total of 1.503 billion yuan in dividends since its A-share listing, with 850 million yuan distributed in the last three years [3]. Group 3: Shareholder Information - As of September 19, 2023, 中粮资本 had 132,000 shareholders, a decrease of 2.94% from the previous period, with an average of 17,455 circulating shares per shareholder, an increase of 3.03% [2]. - The top circulating shareholders include 南方中证500ETF and 香港中央结算有限公司, with holdings of 13.6631 million shares and 13.4116 million shares, respectively, both showing increases from the previous period [3].

Core Points - The core focus of the news is the financial education initiative by Minsheng Bank's Liaocheng branch aimed at enhancing community residents' financial literacy and consumer rights protection [1][2] Group 1: Financial Education Initiative - Minsheng Bank's Liaocheng branch conducted a "Financial Education Promotion Week" in local communities to promote financial literacy [1] - The initiative emphasized the "three appropriateness" requirements related to financial products, sales channels, and target customers [1][2] - The bank staff used presentations and real-life examples to explain how to choose suitable financial products and identify misleading promotions [1] Group 2: Community Engagement - The event included interactive Q&A sessions where residents actively participated and raised practical questions about financial products [1] - Staff provided detailed answers to questions regarding risk assessment of investment products and handling unsuitable product recommendations [1] Group 3: Future Plans - Minsheng Bank's Liaocheng branch plans to continue innovating its promotional methods and expanding the reach of financial knowledge dissemination [2] - The bank aims to contribute to building a safe and harmonious community financial environment [2]

Group 1: Strategy Overview - The report emphasizes a transition towards a bull market, driven by recovering demand for physical assets amidst supply constraints, particularly in the copper market [3][9][12] - Recent disruptions in copper supply, notably from the Grasberg mine, are expected to create price elasticity for future manufacturing demand recovery [9][12] - The report highlights a shift from a focus on financial assets to physical assets, indicating a potential new cycle for resource commodities [4][12] Group 2: Key Companies and Industries - **Engineering Machinery: Hengli Hydraulic (601100.SH)** is positioned for growth due to increased overseas demand and domestic infrastructure projects, with a favorable outlook for its core business [14] - **Non-Banking Financial: Sichuan Shuangma (000935.SZ)** is transitioning to an innovative drug CDMO model, with significant growth potential from its investment projects and pharmaceutical capacity expansion [15][16] - **Food and Beverage: Angel Yeast (600298.SH)** is expected to benefit from overseas expansion and improved domestic demand, with a favorable cost environment [17] - **Transportation: Juneyao Airlines (603885.SH)** is set to gain from industry supply-demand improvements and reduced interest expenses, with positive short-term catalysts from seasonal demand [18] - **Retail: Gu Ming (1364.HK)** is leveraging a unique store expansion strategy in the competitive milk tea market, with significant growth potential in coffee products [19] - **Media and Internet: Tencent Holdings (0700.HK)** is integrating AI across its ecosystem, enhancing its competitive edge and driving growth through high-margin businesses [20][21] - **Electronics: Lante Optics (688127.SH)** is experiencing strong demand in various sectors, with supply constraints on production equipment [22] - **Computing: Hikvision (002415.SZ)** is seeing a recovery in operating quality and profitability, with a focus on AI-driven products [23] - **Pharmaceuticals: Innovent Biologics (9969.HK)** is a leader in hematology and autoimmune therapies, with significant growth potential from its core products [24] - **Defense and Military: Guobo Electronics (688375.SH)** is positioned to benefit from growth in military and satellite internet sectors, with a strong market outlook [25]

Core Viewpoint - The article discusses the relationship between volatility and risk, emphasizing that understanding volatility is crucial for becoming an excellent investor, as it is a tangible risk rather than a mere psychological issue [8][40]. Academic Perspective: Volatility = Risk - The Sharpe Ratio is highlighted as a key metric for evaluating fund performance, indicating that returns should be assessed in relation to the risks taken [10]. - Traditional financial theories define risk as the uncertainty of future returns, represented by price volatility [11]. - Historical examples illustrate that even if an investor believes in a company's future recovery, immediate financial needs can force them to sell at a loss due to volatility [12]. - The article argues that higher volatility necessitates higher expected returns as compensation, exemplified by the comparison of different funds and their respective drawdowns during market adjustments [14][15]. Practical Perspective: Volatility ≠ Risk - Warren Buffett's perspective is presented, asserting that volatility does not equate to risk; instead, the true risk is the permanent loss of capital [18][21]. - Buffett emphasizes that good companies can have high volatility without being poor investments, while low volatility can accompany poor business performance [19]. - The article notes that Buffett's views on volatility have evolved, initially seeing it as a source of profit but later recognizing it as a neutral concept [23][26]. Trading Perspective: Volatility = Return - The article discusses how risk-averse investors dislike volatility, while risk-seeking investors view it as an opportunity for returns [28][30]. - It explains that volatility can be treated as a tradable commodity, with strategies like options trading reflecting this dynamic [31][32]. - The article highlights that different trading strategies exist based on attitudes towards volatility, such as trend trading and grid trading, each with its own risk and return profiles [36][38]. Conclusion - The article concludes that volatility is an inherent aspect of the financial world, prompting investors to distinguish between what can be controlled and what cannot, as well as what can be judged and what cannot [44].

Group 1 - The People's Bank of China emphasizes the need for stable economic growth and reasonable price levels, maintaining policy continuity while enhancing flexibility and foresight [1] - The meeting highlights the weakening global economic growth momentum and uncertainties in inflation trends and monetary policy adjustments, while acknowledging domestic challenges such as insufficient demand and low price levels [1] - The meeting calls for an appropriately accommodative monetary policy and stronger counter-cyclical adjustments, focusing on the effective implementation of monetary policy measures to maximize their impact [1] Group 2 - The meeting stresses the importance of utilizing securities, funds, and insurance company swap facilities, as well as stock repurchase and loan increases, to maintain capital market stability [2] - There is a continued emphasis on stabilizing the real estate market and ensuring the effectiveness of previously introduced financial policies, particularly in revitalizing existing housing and land [2] - The meeting encourages large banks to play a key role in serving the real economy while urging small and medium banks to focus on their core responsibilities and enhance capital strength to support financial market stability [2]

Core Viewpoint - The report emphasizes the role of platform economy in enhancing inclusive finance, highlighting the need for a stakeholder perspective to ensure sustainable growth in the future [1][3]. Group 1: Digital Payment and Credit Accessibility - The platform economy has significantly advanced digital payment in China, with the usage rate among adults rising from 49% to 89% over the past decade [1]. - The proportion of adults obtaining credit from formal financial institutions increased from 20% to 41% in the same period, driven by technological innovations in digital risk control and alternative data applications [1]. Group 2: Employment and Economic Impact - Platforms have reshaped resource allocation efficiency by reducing transaction costs and enhancing matching efficiency, leading to the online transformation of various economic activities [2]. - The development of platforms has created new job opportunities, improved employment matching efficiency, and integrated employment resources, contributing to rural development and entrepreneurship [2]. Group 3: Financial Well-being and Consumer Focus - The report suggests that the focus should shift from mere accessibility to enhancing consumer financial well-being, particularly in the insurance and wealth management sectors [3]. - It highlights the importance of addressing issues such as data privacy and price discrimination, advocating for a shift towards "suitability" in services provided to consumers [3].