值得注意的是，滉达富控股(01348)于今年6月公布出售旗下Crosby予英皇资本，有关议案已于在英皇资 本股东大会上获得通过。据悉，Crosby旗下高诚证券有限公司为客户提供全方位的金融服务，包括机构 销售、研究、金融产品、企业融资和资产管理等。 消息面上，英皇资本发布公告，集团预期于截至2025年9月30日止年度将录得不少于1.2亿港元的净溢 利，去年同期为6640万港元。公告称，纯利上升主要是由于本年度集团的孖展贷款以及其他贷款及垫款 的减值拨备净额大幅减少；及集团的收入上升。 智通财经APP获悉，英皇资本(00717)盈喜后涨超10%，截至发稿，涨3.88%，报0.107港元，成交额 409.51万港元。 ...

英皇资本(00717)盈喜后涨超10%，截至发稿，涨3.88%，报0.107港元，成交额409.51万港元。 消息面上，英皇资本发布公告，集团预期于截至2025年9月30日止年度将录得不少于1.2亿港元的净溢 利，去年同期为6640万港元。公告称，纯利上升主要是由于本年度集团的孖展贷款以及其他贷款及垫款 的减值拨备净额大幅减少；及集团的收入上升。 值得注意的是，滉达富控股(01348)于今年6月公布出售旗下Crosby予英皇资本，有关议案已于在英皇资 本股东大会上获得通过。据悉，Crosby旗下高诚证券有限公司为客户提供全方位的金融服务，包括机构 销售、研究、金融产品、企业融资和资产管理等。 ...

中国经济网北京11月18日讯浙江证监局14日发布关于对沈宇采取出具警示函措施的决定。经查，沈宇在 广发证券股份有限公司(简称"广发证券"，000776.SZ)杭州富春路证券营业部从业期间，存在向他人推介 销售非广发证券股份有限公司发行或代销的金融产品并从中获取不正当利益的行为。 (二)与其履行职责存在利益冲突的活动； (三)不正当交易或者利益输送； (四)挪用或者侵占公司、客户资产或者基金财产； 上述行为违反了《证券公司代销金融产品管理规定》(证监会公告〔2020〕20号)第十七条第一款、《证 券基金经营机构董事、监事、高级管理人员及从业人员监督管理办法》(证监会令第195号)第二十六条 第一项和第二项、《证券期货经营机构及其工作人员廉洁从业规定》(证监会令202号)第十条第四项的 规定。 根据《证券公司代销金融产品管理规定》第二十条、《证券基金经营机构董事、监事、高级管理人员及 从业人员监督管理办法》第五十一条第一款、《证券期货经营机构及其工作人员廉洁从业规定》第十八 条的规定，浙江证监局决定对沈宇采取出具警示函的监督管理措施，并记入证券期货市场诚信档案数据 库。 《证券公司代销金融产品管理规定》(证监会公 ...

Core Viewpoint - The article discusses the issue of false advertising in consumer scenarios and provides a comprehensive guide on effective complaint channels to resolve disputes [1][2][5] Group 1: Initial Communication - The first step in addressing false advertising is to communicate directly with the merchant through official customer service channels [1][2] - Examples of communication methods include contacting customer service on e-commerce platforms, visiting physical stores with promotional materials, and calling the merchant's hotline [1][2] - A case is presented where a consumer received a refund after reporting a weight loss product that did not deliver promised results [1] Group 2: Advanced Rights Protection - The 12315 national platform serves as a primary channel for consumer rights protection, offering a structured complaint process with enforceability [2][3] - Consumers can submit complaints via phone or online, and must provide evidence such as promotional screenshots and purchase receipts [2] - A case is highlighted where a training institution was penalized for false advertising after a complaint was filed through 12315 [3] Group 3: Third-Party Complaint Platforms - Black Cat Complaints, a third-party platform, enhances the visibility of complaints, prompting quicker responses from companies [4] - The process involves using a mini-program to submit complaints, with tips on how to effectively describe the issue [4] - Industry-specific complaint channels are recommended for targeted issues, such as tourism and financial products [4] Group 4: Legal Measures - If previous channels fail, legal actions such as filing a lawsuit or arbitration can be pursued [5] - Necessary materials for court include a complaint statement and evidence list, with specific courts designated based on the defendant's location [5] - Collective lawsuits can be initiated for systemic false advertising cases [5] Group 5: Key Principles for Rights Protection - Evidence is crucial at all stages, including saving promotional materials and maintaining records of purchases and communications [5] - Timeliness is emphasized, with a recommendation to act quickly upon discovering false advertising [5] - A strategic approach combining initial communication, formal complaints, and legal action is advised for effective resolution [5]

Core Viewpoint - The article emphasizes the importance of consumer awareness and proactive measures to avoid pitfalls in various industries, highlighting practical methods for risk identification and complaint channels to enhance consumer protection. Group 1: Identifying Industry Risks - Different industries have unique risk points due to variations in service models, regulatory intensity, and market maturity, with online education being a notable example where course quality and refund mechanisms are often problematic [2][3] - Other sectors like tourism, beauty, and home renovation also face issues such as "bait pricing," hidden fees, and substandard service quality, making it essential for consumers to understand industry characteristics to mitigate risks [3] Group 2: Utilizing Third-Party Platforms - Third-party platforms are becoming crucial for consumers to obtain authentic feedback, with platforms like Black Cat Complaints providing a space for real user complaints that reflect a company's service and product quality [4] - Black Cat Complaints allows easy access through multiple channels, enabling consumers to quickly submit complaints and participate in consumer rights protection [4] Group 3: Industry-Specific Complaint Channels - Different industries require specialized complaint channels for effective resolution, with Black Cat Complaints contributing to regulatory oversight by reporting product quality issues to authorities [5] Group 4: Preventive and Rights Protection Strategies - Consumers should maintain a dual approach of prevention and rights protection, which includes keeping receipts, verifying company qualifications, and scrutinizing contract terms [6][7] - Specific complaint channels are available for various sectors, such as transportation, telecommunications, e-commerce, financial services, and automotive, ensuring consumers have access to appropriate resources for addressing issues [8] Group 5: Conclusion - Developing an awareness of potential pitfalls before consumption is a fundamental skill for modern consumers, and utilizing available resources can significantly reduce the likelihood of negative experiences [9]

人民财讯11月14日电，第十九届深圳国际金融博览会将于11月19日至21日在深圳会展中心(福田)举行。 据介绍，本届金博会展览面积达1.5万平方米，吸引来自全球多个国家和地区的288家机构参展，预计将 迎来超1万名专业观众。金博会将构建"一展两会"协同格局，设置持牌金融机构、金融科技、跨境金融 等九大特色主题展区，打造全谱系金融产品展示矩阵。 ...

Core Viewpoint - China Life Insurance has announced the renewal of two related transactions with Guoshou Investment Insurance Asset Management Co., which will enhance its alternative investment strategy and strengthen its collaboration with Guoshou Anbao Fund Management Co. [1][3] Group 1: Transaction Details - The first announcement involves the renewal of the alternative investment management cooperation, effective from January 1, 2026, to December 31, 2028, with a maximum signing amount for new entrusted investment management assets set at 120 billion, 140 billion, and 150 billion yuan for the years 2026 to 2028 respectively [1] - The management service fees for new projects will be uniformly calculated at 0.08% annually, with total service fee caps of 1.1 billion, 1.2 billion, and 1.3 billion yuan for the same years [1][2] - The second announcement pertains to the continuation of the business cooperation with Anbao Fund, focusing on fund product subscription, redemption, and private asset management, with annual caps for subscription and redemption amounts set at 2 billion yuan and management fees at 20 million yuan for the years 2026 to 2028 [2] Group 2: Historical Data and Performance - In 2023 and 2024, the newly entrusted asset signing amounts were 76.76 billion and 64.96 billion yuan respectively, with service fees of 770 million and 730 million yuan [2] - For the first half of 2025, the signing amount reached 21.52 billion yuan, with related service fees amounting to 330 million yuan [2] - The historical data for fund subscriptions shows amounts of 140 million yuan in 2023 and 2024, and 175 million yuan in the first half of 2025, while redemptions were 140 million, 350 million, and 70 million yuan respectively [2] Group 3: Company Background - Guoshou Investment, established in 2007, is a specialized alternative investment platform under China Life, with a registered capital of 3.7 billion yuan and a cumulative signing scale exceeding 950 billion yuan as of the end of 2024 [3] - Guoshou Anbao Fund, founded in October 2013, is the first public fund management company in China with insurance background, managing over 340 billion yuan as of June 2025, but facing an asset structure imbalance with over 95% in fixed-income and money market funds [4]

Core Viewpoint - The article discusses the efforts of the Ma Village District Committee in Jiaozuo City, Henan Province, to assist private enterprises in overcoming financing difficulties through three service models [1]. Group 1: Tailored Services - The initiative involves regular visits to enterprises to understand their financing situations and challenges through face-to-face discussions with business leaders [3]. - Third-party financial service companies and financial experts are coordinated to provide on-site financing advice and guidance, creating customized financial products for enterprises [3]. Group 2: Platform Matching Services - Regularly organized events such as bank-enterprise matching meetings and financing negotiation conferences to understand the financing needs of private enterprises and the credit policies and product characteristics of financial institutions [4]. - These events aim to facilitate targeted connections between enterprises and financial institutions, enhancing financing efficiency and promoting cooperation [4]. Group 3: Hotline Tracking Services - A "Private Enterprise Financing Hotline" has been established to categorize and track financial issues reported by enterprises, creating a detailed record for follow-up [5]. - Special attention is given to urgent cases, ensuring that enterprises receive practical assistance in overcoming financial difficulties and promoting the healthy development of the private economy [5].

Core Viewpoint - The article emphasizes the importance of consumer awareness and effective complaint channels during the winter season, which sees a rise in seasonal consumption activities such as ice and snow tourism, hot spring vacations, and holiday shopping [1][8]. Group 1: Identifying Risks Before Consumption - Consumers are encouraged to research merchants' reputations and service quality before making payments or placing orders to avoid potential pitfalls [1]. - Key methods for risk identification include checking online reviews on platforms like Meituan, Dazhong Dianping, and Ctrip, focusing on negative feedback to gauge service reliability [6]. - Consumers should also investigate whether a business has a history of complaints, particularly in areas like bundled sales or refund delays, to assess service reliability [6]. - Awareness of common dispute types in specific industries during peak seasons can help consumers verify details more effectively [6]. Group 2: Complaint Channels - Official administrative complaint channels include the national 12315 platform, which handles various consumer rights issues, and the 12345 government service hotline for local grievances [3]. - Industry self-regulatory organizations, such as the China Travel Service Association, can provide effective resolution in specific sectors [3]. - Third-party online complaint platforms like Black Cat Complaints offer quick and user-friendly options for consumers seeking to resolve issues with businesses [3][7]. Group 3: Features of Black Cat Complaints - Black Cat Complaints supports multiple submission methods, including website, app, and mini-program, enhancing user convenience [4]. - The platform has a robust enterprise response mechanism, featuring modules like "Enterprise Reply Ranking" to encourage businesses to address consumer issues proactively [5]. - Users can track the status of their complaints in real-time, with clear categorization and matching to the appropriate customer service representatives [7]. Group 4: Choosing the Right Complaint Channel by Industry - Different industries require tailored complaint approaches; for example, tourism and hotel issues are best addressed through Black Cat Complaints or the 12301 tourism hotline [8]. - Telecommunications and network package complaints can be directed to the Ministry of Industry and Information Technology's complaint platform in addition to 12315 [8]. - Financial and insurance disputes should be prioritized through the 12378 hotline of the China Banking and Insurance Regulatory Commission [8]. Group 5: Conclusion - The article concludes that rational consumption and effective use of complaint tools are essential for enjoying the winter season while minimizing disputes [8][9].

Core Viewpoint - The China Securities Regulatory Commission (CSRC) has released opinions on strengthening the protection of small and medium-sized investors in the capital market, focusing on eight areas including issuance and listing, market trading, operational institutions, inspection and enforcement, rights protection, investor protection institutions, delisting protection, and legal guarantees. Group 1: Strengthening Investor Protection - The responsibility of financial institutions as "gatekeepers" is emphasized, requiring them to enhance investor education and ensure that investors understand the risks associated with financial products before purchase [2] - A mechanism for regular representative litigation for securities disputes is proposed to improve the efficiency of investor rights protection and reduce costs, with a successful example involving over 52,000 investors receiving approximately 2.459 billion yuan in compensation [3] - Enhanced protection for small and medium-sized investors during the delisting process is outlined, including continuous monitoring of companies at risk of delisting and measures for compensation in cases of major violations [4] Group 2: Dispute Resolution Mechanisms - A multi-faceted dispute resolution mechanism is to be established, promoting collaboration between regulatory bodies and courts to facilitate mediation and streamline the resolution of collective disputes [5] - The role of securities and futures lawyers is highlighted in providing legal services, including public legal education and dispute resolution support for small and medium-sized investors [6] Group 3: Empowering Investor Protection Institutions - The opinions encourage investor protection institutions to support small and medium-sized investors in bankruptcy proceedings and to publicly announce their actions regarding civil compensation claims, enhancing transparency and accessibility for investors [7] - The introduction of these measures is expected to strengthen the investor protection framework in the capital market, enhance stability, and boost market confidence [7]