下一步，建议从以下几方面着手： （一）紧跟国家战略，全面深化对公财富管理服务普惠金融理念。搭建小微企业智能投资场景，提升客 户金融服务获得感。 转自：新华财经 小微企业财富管理是指将小微企业不同形式的财富予以专业化管理，通过挖掘客户需求开展理财规划、 投资管理等，以客户为中心提供资产配置的一揽子解决方案。本文研究聚焦小微企业财富管理发展现 状，分析企业特征以及当前业务发展过程中的问题，并提出针对性策略建议。 江苏地区市场资源禀赋丰富、资金富集，客户资产保值增值需求高。发展对公财富管理拓展全量资金， 有助于增强小微客户综合金融服务能力，是推动建行业务转型、践行高质量发展理念的关键环节。近三 年，建行对公财富管理持续深入广大小微企业，在客户数和业务规模两方面均取得一定突破。 从对公财富管理小微客户数看，相较苏北和苏中地区，苏南地区对公财富管理服务客户数量较多；从客 户类型看，建行对公财富管理小微客户主要是企业类客户和有字号个体工商户；对公财富管理小微客户 中，民企是最核心的力量；从行业来看，对公财富管理小微客户中位居行业前五位的分别是零售业、批 发业、商务服务业、建筑装饰、装修和其他建筑业、软件和信息技术服务业； ...

雷递网 乐天 7月22日 海天味业称，公司本次购买的理财产品属于中低风险类理财产品，产品风险评级为PR2及以下，但不排除该项投资会受到市场风险、政策风险、流动性风 险、不可抗力风险等风险因素的影响，从而影响投资收益。 截至2025年3月31日，公司货币资金约222.27亿元，本次投资理财资金占公司最近一期期末货币资金的比例约为13.87%，占公司最近一期期末净资产的比例 约为9.17%，占公司最近一期期末资产总额的比例约为7.69%。对公司未来主营业务、财务状况、经营成果和现金流量等不会造成重大影响。 海天味业2025年4月2日召开第六届董事会第四次会议审议了《公司2025年度以自有闲置资金进行投资理财的议案》，同意公司为提高资金使用效率，将部分 自有资金用于购买安全性高、流动性好、风险较低的中低风险类理财产品。投资理财金额不超过等值100亿元人民币，有效期限为公司董事会决议通过之日 起一年以内，上述额度内的资金可以滚动使用。 近期，海天味业刚刚完成在港股上市，募资超过百亿，海天味业的基石投资者分别为高瓴HHLR Advisors、GIC Private Limited、RBC Global Asset Ma ...

证券代码：603288 证券简称：海天味业 公告编号：2025-032 佛山市海天调味食品股份有限公司 投资理财进展公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈 述或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 重要内容提示： ? 投资种类：中低风险类理财产品 "公司"）2025 年 4 月 2 日召开第六届董事会第四次会议审议了 《公司 2025 年度以自有闲置资金进行投资理财的议案》，同意公司为 提高资金使用效率，将部分自有资金用于购买安全性高、流动性好、 风险较低的中低风险类理财产品。投资理财金额不超过等值 100 亿元 人民币，有效期限为公司董事会决议通过之日起一年以内，上述额度 内的资金可以滚动使用。 ? 特别风险提示：公司本次购买的理财产品属于中低风险类理财产品， 产品风险评级为 PR2 及以下，但不排除该项投资会受到市场风险、政 策风险、流动性风险、不可抗力风险等风险因素的影响，从而影响投 资收益。 一、投资情况概述 （一）投资目的 在不影响公司正常经营所需流动资金以及资金安全的前提下，合理利用闲置 资金、提高资金使用效率。 （二）投资金额 本次投资总金 ...

Core Viewpoint - The recent fluctuations in the bond market and the stock market surpassing 3500 points have led to increased attention on the short-term yields of certain "fixed income + equity" products, particularly the "YouSheng·HongJin Short-term Holding 7 Days No.3 ESG Preferred A" product from Postal Savings Bank, which has seen significant sales and performance metrics [1][4]. Group 1: Product Performance - The product achieved an annualized yield of 7.92% over the past month, with a notable increase in net value around June 25, coinciding with a strong performance in the stock market [4][10]. - In the first half of the year, the average net value growth rate of the "YouSheng·HongJin Short-term Holding 7 Days" series was 1.66%, translating to an annualized rate of approximately 3.32% [7]. - The product scored 64 points for yield performance and 99 points for risk control, ranking 43rd, 653rd, 208th, and 357th in various categories among 786 similar products, achieving an overall score of 66, outperforming 92.62% of its peers [7][10]. Group 2: Investment Strategy - This product is characterized as an ESG-focused financial product, primarily investing at least 80% of its total assets in fixed income assets, with a maximum of 20% in equity assets, including mixed funds [10][18]. - The investment strategy emphasizes a cautious approach, with a significant allocation of 52.32% in cash and bank deposits, and 35.56% in bonds, indicating a conservative investment stance [15][16]. - The product also employs market-neutral strategies to hedge against market risks while favoring preferred stocks in its equity investments [15][18]. Group 3: Market Context - The overall management scale of Zhongyou Wealth Management reached approximately 999.24 billion yuan, with fixed income products dominating the portfolio, accounting for 92.83% of the total number of products and 95.94% of the total scale [16]. - The average yield for fixed income products in 2024 was reported at 3.55%, ranking 9th among 30 wealth management companies, while mixed products had a lower average yield of 2.42% [16].

Core Viewpoint - Qifeng New Materials Co., Ltd. has approved the use of idle self-owned funds for cash management, allowing for the purchase of low-risk, high-liquidity financial products up to 1.2 billion RMB [1]. Cash Management Overview - The company has agreed to use up to 1.2 billion RMB of its idle self-owned funds for cash management, which can be rolled over [1]. - The cash management involves investing in low-risk financial products, specifically non-principal guaranteed floating income products [1]. Investment Details - The total amount of entrusted financial products signed is 255 million RMB [2]. - The expected annualized return rates for various products include: - Agricultural Bank's "Nongyin Shishi" open-ended product: 1.80% [2]. - Bank of China’s "Zhongyin Lixiang" product: 2.00% [2]. - Industrial and Commercial Bank's "ICBC Yiren" product: 2.30% [2]. - The investment periods for these products range from 2024 to 2025 [2]. Risk Analysis - The financial products purchased are primarily low-risk but are still subject to macroeconomic policy changes and potential operational errors [2]. - The company has established internal controls and audit measures to monitor the use and safety of the invested funds [2]. Impact on Daily Operations - The funds used for investment are idle and do not affect the company's daily cash flow or main business operations [2]. - The financial health of the company remains stable, and the investment is expected to enhance the returns on idle funds [2]. Historical Cash Management Activities - Over the past twelve months, the company has engaged in cash management activities involving various financial products, with expected returns ranging from 1.45% to 2.60% [2][3]. - The total amount of self-owned funds utilized for cash management in the past year is detailed in the financial product tables [2][3].

4 月末封闭式理财产品达基率上升——银 行理财月度跟踪（2025.04） [Table_Industry] 银行 [Table_ReportDate] 2025 年 5 月 13 日 证券研究报告 邮 箱：zhangxiaohui@cindasc.com 信达证券股份有限公司 CINDA SECURITIES CO.,LTD 北京市西城区宣武门西大街甲127号金隅大厦 B座 邮编：100031 [Table_Title] 4 月末封闭式理财产品达基率上升——银行 理财月度跟踪（2025.04） [Table_ReportDate] 2025 年 05 月 13 日 本期内容提要: 行业研究 [Table_ReportType] 行业月报 | [Table_StockAndRank] 银行 | | | --- | --- | | 投资评级 | 看好 | | 上次评级 | 看好 | [Table_Author] 张晓辉 银行业分析师 执业编号：S1500523080008 1）收益类型：发行理财产品 1438 款，非保本型产品 1438 款，市场占比 100%；2）期限类型：1-3 个月期限产品发行量占比上升。 ...