南财智讯10月9日电，慧翰股份公告，公司第四届董事会第十五次会议于2025年10月9日审议通过了《关 于使用部分闲置募集资金进行现金管理的议案》。公司拟使用不超过5.00亿元暂时闲置募集资金进行现 金管理，资金将用于购买安全性高、流动性好的保本型产品，包括但不限于结构性存款、定期存款、大 额存单、通知存款、保本型收益凭证等，单个产品的投资期限不超过12个月，使用期限自公司董事会审 议通过之日起12个月内有效，资金在额度范围内可滚动使用。此次现金管理不会影响公司募投项目的正 常进行，旨在提高募集资金使用效率，增加现金资产收益。 ...

Core Viewpoint - The upcoming National Day and Mid-Autumn Festival have triggered a new round of deposit marketing competition among local banks, with various promotional strategies being employed to attract depositors, including higher interest rates and gift incentives. However, the declining interest rate environment poses challenges for sustainable deposit structures and customer retention beyond mere financial incentives [1][5][10]. Group 1: Deposit Marketing Strategies - Local banks are intensifying their deposit marketing efforts by launching unique deposit products with slightly higher interest rates than standard fixed deposits, as well as implementing "points exchange" and "gift-giving" strategies to attract customers [1][3]. - For instance, Pujiang Rural Commercial Bank introduced a "Filial Piety Deposit" product with a starting amount of 100,000 yuan, offering a 3-year interest rate of 2%, which yields 6,000 yuan upon maturity [3]. - Similarly, Fudian Bank has diversified its deposit product offerings, including personal large-denomination certificates of deposit and special products for new customers, with interest rates ranging from 1.45% to 1.95% depending on the term [4]. Group 2: Challenges and Regulatory Concerns - The competitive advantage of local banks in terms of high interest rates has diminished due to multiple rounds of interest rate cuts, leading to a convergence towards industry averages [4][5]. - The use of gift incentives for deposit attraction raises regulatory concerns, as it may violate guidelines that prohibit improper methods of deposit solicitation, such as cash returns or gifts [9]. - Regulatory scrutiny has increased, with local banks facing pressure to comply with rules that restrict promotional practices that could be interpreted as disguised high-interest deposit solicitation [9][10]. Group 3: Long-term Strategies for Local Banks - To adapt to the low-interest-rate environment, local banks need to rethink their deposit strategies, focusing on building sustainable liability structures and enhancing customer loyalty beyond financial incentives [1][5][11]. - Experts suggest that local banks should improve their service capabilities, strengthen risk management, and develop long-term strategies to remain competitive in the market [6][11]. - Additionally, local banks are encouraged to integrate community financial services, leverage financial technology, and optimize liquidity management to reduce reliance on high-cost deposits and enhance operational efficiency [11][12].

国庆中秋"双节"临近，地方银行揽储大战再度拉开帷幕。9月29日，北京商报记者注意到，多家地方银 行正密集加码存款营销，有的银行推出特色存款产品，以略高于普通定期存款的利率吸引储户；有的银 行主打"积分兑换""实物馈赠"策略，礼品从抽纸、米面油到电饼铛等一应俱全。 然而，在热闹营销的背后，隐忧同样不容忽视。曾作为地方银行揽储核心优势的高利率，经历多轮下调 后已逐步向行业均值靠拢，利率优势日渐式微。与此同时，以"送礼"等方式变相揽储的做法，也游走在 监管政策的"红线"边缘。 为迎接"双节"，浦江农商行近日推出了"孝心存"存款产品，该产品以10万元为起存金额，3年期年利率 达2%，到期可获利息6000元；1年期年利率为1.5%，到期收益为1500元。 为突出"孝心存"的优势，浦江农商行还同步展示了普通定期存款产品的利率供储户对比参考。普通定期 存款中，1年期、2年期和3年期的存款利率分别为1.2%、1.25%和1.58%，以10万元起存计算，到期收益 分别为1200元、2500元和4740元。 无独有偶，富滇银行也推出了多元化的存款产品矩阵，涵盖个人大额存单、定期存款、通知存款等，其 中个人大额存单20万元起存，限 ...

好在，即使股市休市，让资金"同步休息"也并非唯一选择。精挑细选理财工具，把握好关键操作时机， 只需简简单单几步，便能实现"人闲钱不闲"的财富增值。本文将为您细致梳理三种低风险的假期理财方 式，并附上操作的关键节点与避坑指南，助您轻松实现"躺赚"的节日收益。 长假将至，闲置资金如何"不打烊"？精选低风险理财方案助你"躺赚" 金秋十月，举国欢庆的国庆与中秋佳节即将来临，八天长假的光临，无疑为人们的出行规划和节日庆典 增添了无限期待。然而，在您为即将到来的美好时光精心筹谋之际，是否也曾想过，让您账面上那一部 分暂时闲置的资金，也能在假期中"动"起来，创造属于自己的收益？ 沪深两市股票交易将于10月1日（周三）至10月8日（周三）暂停交易，而紧随其后的9月28日（周日） 和10月11日（周六）又恰逢周末。如此算来，前后长达近十日的时间内，如果您的资金依然"沉睡"在银 行账户，无疑将错失一笔本可观的潜在收益。 一、 精打细算，按日计息的"灵活派"——按日型理财 如果您在假期中希望资金能够持续产生收益，同时又不希望牺牲资金的灵活性，那么"按日型理财"无疑 是您的理想之选。这类产品通常支持按日计算收益，并且在申购和赎回方面 ...

国庆中秋长假即将到来，节前仅剩最后几个交易日，你的"钱生钱"计划准备好了吗？ 根据沪深交易所安排，A股市场将于10月1日（星期三）至10月8日（星期三）休市，10月9日（星期四）起照常开市。此外，9月28日（星期 日）和10月11日（）为周末休市。 某国有大行支行客户经理向21世纪经济报道记者表示，针对假期理财计划，建议可选择以下方式：首先，可以考虑按日计息理财产品，需在9 月29日前买入，30日确认持有，即可享受整个国庆假期的收益；其次，通知存款，即一种提前约定支取时间的存款方式，也是一个不错的选 择，保本稳健，7天期利率约0.65%，明显高于活期存款，可设置为10月9日到期取出；如果已有股票证券账户，还可以参与国债逆回购，获取 假期收益。 不过他也提醒，按日型产品虽然灵活，但收益率普遍不高，约在1.5%~1.6%左右。"时间短的话选择相对不多，但总比放在活期账户里要好。" | | 期限 | 计息天数 | 资金可用日 | 资金可取日 | | --- | --- | --- | --- | --- | | 9月25日 (周四) | 1天期 | 3天 | 9月26日 | 9月29日 | | | 2天期 | 4天 ...

Group 1 - The company approved the use of idle raised funds for cash management, with a maximum amount of RMB 150 million, ensuring it does not affect project construction and normal business operations [1] - The company plans to use the idle funds for safe and liquid investment products, including structured deposits and time deposits, with a rolling usage period of 12 months [3][4] - As of the announcement date, the total planned usage of idle raised funds for cash management by the company and its subsidiaries is not exceeding RMB 1.08 billion [4][10] Group 2 - The company aims to improve the efficiency of idle raised funds and create more value for shareholders through cash management [7] - The cash management products will be strictly controlled for risk and will not be used for pledging or securities investment purposes [8] - The cash management income will be prioritized for supplementing project investment shortfalls and daily operational liquidity needs [12] Group 3 - The decision to use idle funds for cash management was made in compliance with relevant regulations and does not affect the normal operation of the company's fundraising projects [14][18] - The board of directors authorized the chairman to make decisions and sign contracts related to cash management within the approved limits [10][16] - The independent directors and audit committee have reviewed and approved the cash management plan, confirming it aligns with the company's interests and does not harm shareholder rights [18][31]

Core Viewpoint - The company Tianyi New Materials (688033) has approved the use of temporarily idle raised funds for cash management, not exceeding RMB 500 million, to enhance the efficiency of fund usage and increase returns for the company and its shareholders [1][2]. Fundraising Overview - The company raised a total of RMB 9.753156 billion from its initial public offering (IPO), with a net amount of RMB 8.6781285652 billion after deducting issuance costs, all received by July 18, 2019 [1]. - Additionally, the company raised RMB 23.1904159448 billion through a private placement, with a net amount of RMB 22.9658684624 billion after related expenses, all received by September 30, 2022 [1]. Cash Management Details - The purpose of cash management is to improve the efficiency of raised fund usage and increase returns while ensuring the safety of funds and not affecting project construction [2]. - The company plans to invest in low-risk financial products such as structured deposits, notice deposits, time deposits, large certificates of deposit, and securities company income certificates, with a maximum investment period of 12 months [2]. - The investment decision authority is delegated to the chairman of the board, with the finance department responsible for implementation [2]. Operational Impact and Risk Control - The cash management will not affect the normal operation of fundraising projects and will potentially enhance overall performance by generating investment income [3]. - The company has implemented several risk control measures, including board authorization for decision-making, tracking by the finance department, and oversight by the internal audit department and independent directors [3]. Approval and Oversight - The supervisory board and the sponsor, CITIC Securities, have expressed their agreement with the company's decision to use temporarily idle raised funds for cash management [4].

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]