阿通社10月8日消息，阿联酋中央银行最新统计显示，截至2025年8月底，其黄金储备同比增长约32%， 达303.29亿迪拉姆，首次突破300亿迪拉姆大关。8月单月黄金储备环比增长超过4.5%，较7月底的 289.97亿迪拉姆明显上升。截至8月底，活期存款规模升至1.188万亿迪拉姆，高于2024年底的1.109万亿 迪拉姆。其中，本币存款为8922.73亿迪拉姆，外币存款为2961.37亿迪拉姆。同期，储蓄存款增至 3764.79亿迪拉姆，其中本币存款为3217.61亿迪拉姆，外币存款为547.18亿迪拉姆。定期存款则超过1.05 万亿迪拉姆，分别包括本币6646.69亿迪拉姆和外币3861.9亿迪拉姆。 ...

同事老周最近辞职了。 不是找到更好的工作，是被查出甲亢，医生让他卧床休息。可他盯着房贷账单犹豫了一周，最后还是拖着病体去上班："停一个月工资，房贷就断供了。" 这话戳中了无数职场人的痛点。我们每天挤早高峰地铁、熬夜改方案，嘴上喊着 "为了赚钱"，可真问 "赚钱为了啥"，大多只会说 "为了生活"。 其实赚钱的终极意义，从来不是银行卡里的数字，而是用这些数字换三样更值钱的东西。没活明白这一点，越拼命越容易陷入 "为钱打工" 的死循环。 前阵子暴雨，楼下小吃店被淹了。老板张姐蹲在门口哭，隔壁便利店老板却淡定雇人清理。 后来才知道，张姐把所有钱都投了装修，手里一分活钱没有；便利店老板每月雷打不动存 5000 到货币基金，攒了 10 万应急储备。 这就是赚钱的第一层意义：攒够 "抗风险资金"，让你在意外面前不用低头。 怎么存这笔钱？记住三个原则： 拒绝无效加班：如果存款够支撑生活，没必要为了加班费熬坏身体。 拒绝讨厌的工作：不用因为 "要吃饭"，困在勾心斗角的团队里。 拒绝违心社交：不想参加的酒局、不想维系的关系，都能直接推掉。 豆瓣上有个博主分享 "财务自由后的生活"：不用上班后，她从一线城市搬到小城，房租省了一半。 ...

进入2023年，各大银行之间展开了一场激烈的"揽存大战"。为了吸引更多存款，各家银行纷纷使出浑身 解数，除了赠送食用油、大米等生活必需品作为小礼品外，更主要的手段是将存款利率上浮，这无疑给 手头有闲钱的人带来了福音。 老百姓热衷于存款，一方面是为了获得稳定的利息收入，另一方面，更是为了应对生活中可能出现的各 种突发状况，例如失业、疾病或意外事故，从而尽可能地平滑人生的波澜。 那么，银行为何如此积极地提高存款利率，展开揽存攻势呢？原因主要有以下几点： 首先，年初是银行吸纳存款的黄金时期。正如"一年之计在于春"，银行希望在年初能够吸收大量的储蓄 存款，以便尽早用于贷款等投资活动，从而更快地获得收益。 在中国，老百姓素有储蓄的传统，这已是公开的秘密。数据显示，中国的储蓄率高达惊人的44%，这一 数字远远超过了全球29%的平均水平。尤其值得注意的是，2022年，中国住户存款增加了17.84万亿元 人民币，创下了历史新高，这一现象背后，体现了人们对未来不确定性的应对策略。 其次，年初通常是企业发放工资和年终奖金的时节，老百姓手中相对宽裕。银行抓住这一时机，通过提 高存款利率来吸引储户，可谓是顺势而为。 再者，对于银行员 ...

存款安全网：即便银行倒闭，您的资金也受层层保护 当银行倒闭的传言甚嚣尘上，储户心中难免泛起涟漪，焦虑情绪油然而生。然而，请您不必过度惊慌。在中国健全的存款保险制度之下，您的每一分钱都早 已被牢牢守护。 核心保障：50万元以内，本息全额无虞 最关键的一点，请您务必牢记：只要您的存款不超过50万元人民币，无论发生何种情况，您的本金和利息都将得到百分之百的赔付。这并非一句空话，而是 有法律法规作为坚实后盾。 存款保险制度：您的资金守护神 1. 法律基石与保障范围 在中国境内，所有吸收存款的金融机构，无论是大型商业银行、地方性合作银行，还是农村信用合作社，都必须依法加入存款保险制度。这意味着，一旦发 生不幸，作为存款人的您，在同一家银行的所有账户（包括活期、定期、大额存单等）的本金与利息合并计算，最高可获得50万元人民币的赔付。需要注意 的是，这项保障仅限于存款类产品，银行代销的理财产品、基金、保险等非存款类投资，则不在其列。 分散风险，确保万全：给您的两点贴心建议 为了让您的资金安全再添一层保障，我们为您梳理出以下两点至关重要的建议： 建议一：大额资金，分散布局，规避单一风险 1. 核心策略： 如果您在某家银行的总 ...

Group 1 - The article highlights that a significant amount of high-interest fixed deposits made by residents will mature between 2025 and 2026, with a total of 66.54 trillion yuan in fixed deposits added from 2021 to 2024, leading to a peak maturity of 22.28 trillion yuan in 2025 and 9.4 trillion yuan in 2026 [3][9] - In August, there was a notable decrease in bank deposits, with only 110 billion yuan saved compared to a typical 600 billion yuan, indicating a shift of funds from banks to other investments, particularly the stock market, as evidenced by a 7.97% increase in the Shanghai Composite Index and a 24.13% increase in the ChiNext Index [10][11] - The M2-M1 growth rate difference is narrowing, suggesting a transition from "dead money" (fixed deposits) to "live money" (liquid assets), reflecting a recovery in economic activity as businesses and consumers are more willing to invest and spend [12][15] Group 2 - The article suggests that the upcoming maturity of high-interest fixed deposits in 2025 and 2026, combined with a sustained positive performance in the stock market, could enhance liquidity in the stock market as more fixed deposits convert to liquid assets [15]

Investment Rating - The report maintains a recommendation for the banking industry [3] Core Insights - The report provides a comprehensive analysis of the asset-liability structure and interest margin changes of 42 A-share listed banks during the "14th Five-Year Plan" period, highlighting a shift towards corporate loans on the asset side and a stronger retail focus on the liability side [12][14] - The asset-liability structure indicates a significant increase in the proportion of corporate loans, rising from 57.02% to 63.22% from the end of 2020 to mid-2025, while the proportion of demand deposits decreased from 41.94% to 30% [12][14] - The report notes a decline in both asset yield and interest margin, with the yield on interest-earning assets dropping from 4.43% to 3.32% and the net interest margin decreasing from 2.23% to 1.53% during the same period [14][15] Summary by Sections Overall Asset-Liability Structure and Interest Margin Changes - The asset-liability structure shows an increase in loan-to-earning asset ratio from 54.19% to 56.49%, with corporate loans making up a larger share of total loans [14][15] - The average yield on interest-earning assets decreased significantly, with the loan yield falling from 5.34% to 3.82% [15] - The net interest margin for listed banks remains higher than that of commercial banks, despite a decline [14][15] Changes in Each Banking Sector's Asset-Liability Structure and Interest Margin - City commercial banks experienced a more significant increase in the proportion of corporate loans, with their interest margin narrowing less compared to other banks [18] - The report highlights that the proportion of deposits in interest-bearing liabilities for state-owned banks decreased, while it increased for rural commercial banks [18] - The decline in interest-bearing liabilities' cost rate was most pronounced in city commercial banks, leading to a smaller reduction in their interest margin [18]

Group 1 - Local small and medium-sized banks are continuously lowering deposit interest rates, with some banks announcing reductions of up to 35 basis points [1][2] - The recent trend of lowering deposit rates is a response to the pressure on net interest margins and follows similar actions taken by larger national banks earlier this year [2][3] - Retail deposit outflows have been significant, prompting banks to focus on wealth management strategies to mitigate the negative impact of declining deposits [1][4] Group 2 - The downward pressure on deposit rates is expected to continue, and banks need to diversify their products and services to enhance competitiveness [3] - Retail deposit growth has slowed for several banks, indicating increased pressure on retail liabilities [5][6] - Specific banks, such as China Merchants Bank and Ping An Bank, have reported significant declines in retail deposit growth compared to the previous year [6][7] Group 3 - In response to declining retail deposits, banks are expanding their wealth management offerings, with a focus on cash management and investment products [8] - The recent bull market in capital markets has led to increased sales of equity funds and other investment products by banks [8] - The "fixed income plus" products are seen as a new avenue for banks to attract deposits in a low-interest-rate environment [8]

Core Viewpoint - The banking sector is experiencing a rise in stock prices despite market conditions, driven by recent adjustments in deposit rates by local small and medium-sized banks to alleviate pressure on their liabilities and improve net interest margins [1] Group 1: Stock Performance - Chongqing Rural Commercial Bank (03618) increased by 4.62%, reaching HKD 6.12 [1] - Qingdao Bank (03866) rose by 1.88%, reaching HKD 4.34 [1] - China Construction Bank (00939) saw a 1.1% increase, reaching HKD 7.38 [1] - Bank of China (03988) grew by 0.96%, reaching HKD 4.21 [1] Group 2: Deposit Rate Adjustments - Since September, the number of local small and medium-sized banks reducing deposit rates has been increasing [1] - On September 25, several banks, including Henan Luoyang Rural Commercial Bank, announced reductions in RMB deposit rates, with the maximum cut reaching 35 basis points [1] - The purpose of these adjustments is to alleviate pressure on the liability side and mitigate the negative impact of narrowing net interest margins [1] Group 3: Market Outlook - China Galaxy Securities indicates that the adjustment of the 14-day reverse repurchase operation aims to enhance the position of the 7-day reverse repurchase policy rate, improving liquidity management precision [1] - The benefits for small and medium-sized banks from these changes are expected to be less significant compared to larger banks [1] - Continued positive factors in the banking fundamentals, along with increased consumer policies, suggest potential mid-term performance improvements and a possible turning point [1] - The focus remains on the effectiveness of policies, retail business demand, risk improvement, and reform measures [1] - The institution maintains a positive outlook on the banking sector's valuation and continues to recommend investment in this area [1]

Core Viewpoint - The article highlights the upward movement of Chinese bank stocks in the Hong Kong market, driven by the recent trend of small and medium-sized banks lowering deposit interest rates to alleviate pressure on their liabilities [1] Group 1: Stock Performance - Chinese bank stocks are rising against the market trend, with Chongqing Rural Commercial Bank up 4.62% to HKD 6.12, Qingdao Bank up 1.88% to HKD 4.34, China Construction Bank up 1.1% to HKD 7.38, and Bank of China up 0.96% to HKD 4.21 [1] Group 2: Interest Rate Adjustments - Since September, the number of local small and medium-sized banks reducing deposit interest rates has been increasing, with banks like Henan Luoyang Rural Commercial Bank and Luoning Rural Commercial Bank announcing cuts that affect various deposit products, with the maximum reduction reaching 35 basis points [1] Group 3: Market Analysis - Analysts believe that the reduction in deposit rates aims to ease the pressure on the liability side and mitigate the negative impact of narrowing net interest margins [1] - China Galaxy Securities notes that the adjustment of the 14-day reverse repurchase operation enhances the position of the 7-day reverse repurchase policy rate, improving liquidity management precision, with smaller banks expected to benefit less than larger banks [1] - The article emphasizes the accumulation of positive factors for banks' fundamentals, with mid-term performance improvements anticipated and a potential turning point expected [1]

Core Viewpoint - Since September, local small and medium-sized banks have been continuously lowering deposit interest rates to alleviate net interest margin pressure and follow the lead of larger banks [1][3]. Group 1: Deposit Rate Adjustments - On September 25, several banks in Henan, including Luoyang Rural Commercial Bank, announced reductions in RMB deposit rates, with the highest cut reaching 35 basis points [2][3]. - The new rates for fixed-term deposits at Luoyang Rural Commercial Bank are now 0.75% for three months, 1.00% for six months, 1.30% for one year, and 1.35% for two years, reflecting a reduction of 15 basis points [3]. - Other banks, such as Jieyang Rural Commercial Bank and Shanghai Huarui Bank, have also lowered rates across various deposit products, indicating a broader trend among local banks to adjust rates following national banks [3]. Group 2: Retail Deposit Trends - There is a noticeable outflow of retail deposits as customers shift to investment products with higher returns, such as cash management and fixed-income bank wealth management products, which offer annual yields of 2% to 3% [2][5]. - Retail deposit growth has significantly slowed, with banks facing challenges in attracting new customers and retaining existing deposits [5][6]. - Data shows that major banks like China Merchants Bank and Ping An Bank experienced a decline in retail deposit growth rates in the first half of 2025 compared to the same period in 2024, with decreases of 3.43 and 3.73 percentage points, respectively [8]. Group 3: Wealth Management Strategies - In response to declining retail deposits, banks are focusing on expanding their wealth management services, leveraging the recent bullish trends in capital markets [9][10]. - Wealth management products, particularly those linked to equity funds, are becoming key revenue drivers for banks as they seek to retain customer assets [9]. - The "fixed income plus" product category is seen as a new pathway for banks to attract deposits in a low-interest-rate environment, highlighting the need for diversified investment options [10].