转自：新华财经 在这条守护之路上，金融的活水还流向了更多角落：总行营业部用短短3天时间，为一缕传承百年的"老 津卫茉莉花茶"香注入500万元资金，解了其开拓市场的燃眉之急；北辰中心支行助力北辰区一家用"老 肥"发酵技艺制作香糟馒头的食品公司，为其对接贴息贷款，降低融资成本，让传统的"津味儿"飘得更 远。 从支持绢花产业的稳定生产，到促进渔盐文化的传承发展，再到助力食品企业的市场拓展，天津农商银 行通过精准的金融服务，为本土非遗企业注入了发展动力。接下来，作为天津市唯一一家"津门老字 号"银行，天津农商银行将继续加强与老字号企业的联动，深化"金融+非遗"服务模式，为守护地方文化 根脉、促进区域经济高质量发展贡献更多金融力量。 天津拥有丰富的非物质文化遗产。这些传统技艺不仅是城市文化记忆的载体，也构成了地方特色产业的 一部分。然而，不少非遗企业因规模有限、资金短缺，在传承与发展中面临现实挑战。作为扎根天津75 年的地方法人银行，天津农商银行通过差异化、精准化的金融服务，积极支持非遗项目持续发展。 走进武清区曹子里镇，这里被称为"绢花之乡"。一朵朵丝绢制成的花朵，是传承百年的指尖艺术。然 而，镇上一家颇具人气的人造 ...

转自：推广 走进邮储银行渠县东城支行，浓厚的文化气息扑面而来。墙面悬挂的各类书法作品尽显笔墨神韵，专设的书法体验区配备有笔墨纸砚，让客户在办理业务的 间隙能亲手体验书写乐趣，沉浸式感受中华书法的独特魅力。该行相关负责人表示："弘扬中华传统文化是企业应尽的社会责任，而"文化+金融"的新模式则 是推动实现文化传播与金融服务的双向赋能。同时，也向广大书法爱好者和客户发出盛情邀约，欢迎大家前来相互交流、展示风采！" 作为弘扬传统文化的实践阵地，此次活动也成为该行创新客户服务模式的重要载体。未来，邮储银行渠县支行将打破传统金融服务的刻板印象，精准对接不 同客户需求，将多元化金融服务融入文化场景，在传承传统文化的同时，让金融服务更精准、更贴心，切实增强客户的获得感与满意度。 来源：推广 近日，中国邮政储蓄银行达州市渠县支行将弘扬中华传统文化与创新金融服务深度结合，打造书法文化特色网点并举办了"墨香满邮储 挥毫聚知音"书法交 流活动，在传承优秀传统文化的同时，探索出"文化+金融"的客户服务新模式。 活动当天，邀请多名书法达人与爱好者齐聚，不仅开展了技法研讨、即兴创作、作品赏析等交流，更围绕经典诗词、美好祝愿等内容挥毫泼墨， ...

中国制造呈现出三个新的发展特征 中国金融四十人论坛学术顾问、重庆市原市长 黄奇帆 在构建以国内大循环为主体、国内国际双循环相互促进的新发展格局的背景下，中国制造呈现出三个新 的发展特征。 一是在科技创新上实现了自主创新原始创新、科研成果产业化转化、产业链集群创新的全链条突破；二 是从"两头在外"的加工贸易转变为"一头在内、一头在外"的产业链集群，达到八成产品附加值在国内产 生；三是在内循环为主的格局下，中国制造形成了更高水平的开放、更深层次的开放、更宽领域的开 放。 这些新特点，使中国制造业增加值占全球比重近30%，并在十大重点制造领域实现了"五个领跑、五个 并跑"。不过，我们仍需认识到三个不足：资源消耗量大，产值利润率较低，全要素生产率贡献度低于 发达国家。 第二十届中国经济论坛主论坛现场。 本报记者 蒋雨师摄 第二十届中国经济论坛平行论坛2025数字经济大会现场。 人民网记者 任峰涛摄 针对以上问题，发展新质生产力是根本出路。"十五五"时期，我们要围绕三个环节推动新质生产力发 展。增量上，大力发展战略性新兴产业和未来产业，预计将带动超百万亿元投资。存量上，用数字化、 智能化、绿色化赋能并推动传统产业发展。 ...

中信证券：当下风险提前释放给了年末重新增配A股/港股、布局2026年的契机 11月23日，十大券商最新策略观点新鲜出炉，具体如下： | 券商 | 核心观点 | | --- | --- | | 中信证券 | 当下风险提前释放给了年末重新增配A股/港股、布局2026年的契机 | | 华安证券 | AI主线"至暗时刻" 但长期信心坚定不移 | | 国金证券 | 打铁还需自身硬 | | 信达证券 | 风格切换可能会越来越强 关注低位价值板块 | | 中泰证券 | 本轮科技行情远未结束 在短期回调后有望延续 | | 兴业证券 | 中国资产有望迎来修复 | | 非金证券 | 短期继续均衡配置补涨的成长和低估值价值行业 | | 申万宏源 | 调整是也只是"怀疑牛市级别" | | 浙商证券 | 切勿盲目杀跌 盯券商、等待弹性重扩张 | | 东吴证券 | 资金主线有望向AI应用等方向切换 | 全球风险资产的波动表面是流动性问题，本质是风险资产对于AI单一叙事过于依赖，当产业发展速度（尤其是商业 化）跟不上二级市场的节奏时，适当的估值修正也是一种纾解风险的方式。北京时间周四（11月20日）晚，美国非农 就业数据的公布以及年内美联 ...

11月21日，华鹏飞盘中上涨2.73%，截至11:00，报7.14元/股，成交2.01亿元，换手率6.14%，总市值 40.13亿元。 资金流向方面，主力资金净流出1413.00万元，特大单买入402.69万元，占比2.00%，卖出234.05万元， 占比1.16%；大单买入2746.85万元，占比13.66%，卖出4328.50万元，占比21.53%。 华鹏飞今年以来股价涨32.22%，近5个交易日涨5.31%，近20日涨5.93%，近60日涨7.05%。 今年以来华鹏飞已经1次登上龙虎榜，最近一次登上龙虎榜为4月22日，当日龙虎榜净买入1.23亿元；买 入总计1.48亿元 ，占总成交额比28.37%；卖出总计2475.70万元 ，占总成交额比4.74%。 责任编辑：小浪快报 华鹏飞所属申万行业为：交通运输-物流-中间产品及消费品供应链服务。所属概念板块包括：社区团 购、小盘、跨境电商、快递概念、军工信息化等。 截至9月30日，华鹏飞股东户数3.92万，较上期增加3.70%；人均流通股12044股，较上期减少3.57%。 2025年1月-9月，华鹏飞实现营业收入3.07亿元，同比增长20.36%；归母净利润 ...

Core Viewpoint - The article discusses the collapse of Credit Suisse, highlighting systemic issues within the banking industry, including greed, corruption, and inadequate risk management, which ultimately led to its downfall [9][11][24]. Group 1: Financial Scandals and Risks - In October 2025, Zion Bank and Western Alliance Bank disclosed fraud cases involving over $160 million due to credit risk management failures, resulting in significant stock price drops and a loss of over $100 billion in market value for 74 major U.S. banks [10]. - The article emphasizes that individual corruption and fraud reflect systemic failures, as seen in the case of Credit Suisse, which was once considered "too big to fail" [11][12]. - Credit Suisse's internal culture of greed and corruption, including money laundering for dictators and fraudulent activities against clients, contributed to its eventual collapse [12][24]. Group 2: Historical Context and Evolution - Switzerland's banking secrecy laws, established in the 1930s, initially protected the banking industry but later facilitated unethical practices, leading to a culture of impunity [15][16]. - The bank's expansion strategy in the late 20th century, including the merger with First Boston, created internal conflicts and risk management issues that foreshadowed future crises [17][18]. - The aggressive risk-taking culture under various leaderships, particularly during the 1990s, led to significant losses and regulatory scrutiny, culminating in a series of crises [19][20]. Group 3: The Final Crisis and Collapse - The "Twitter incident" in October 2022 triggered a digital bank run, resulting in a rapid outflow of funds and a significant drop in stock prices, marking a new era of banking vulnerability [21][22]. - Credit Suisse's management was unprepared for the crisis, leading to ineffective responses and a loss of market confidence, ultimately resulting in a government-backed acquisition by UBS [23][24]. - The article concludes that the collapse of Credit Suisse was not sudden but rather the result of decades of mismanagement, scandals, and a failure to establish a sustainable business model [24][30].

云南建投混凝土(01847)发布公告，鉴于2023年产品销售框架协议的期限将于2025年12月31日届满，本 公司于2025年11月17日与云南建投订立2026-2028年度产品销售框架协议，本公司同意向云南建投销售 建筑材料(含混凝土、砂石料、外加剂、预制构件等)，固废及新材料，及其他产品。2026-2028年度产品 销售框架协议将在本公司于临时股东会上获得独立股东批准后，于2026年1月1日起生效，有效期至2028 年12月31日。 于2025年11月17日，本公司附属公司-磷石膏公司与云南建投附属公司-云南建投建材科技有限责任公司 (建材科技公司)订立租赁合同(租赁合同)，租赁其位于云南省安宁市的土地及房屋用于办公及生产、生 活等。由于该等租赁预计将导致2025-2027年度土地、房屋租赁框架协议下的2025年年度上限超出现有 年度上限，因此需要修改2025-2027年度土地、房屋租赁框架协议下的2025年年度上限。 为有效利用优质存量资产，合理控制投资规模，确保项目年内投产，安宁磷石膏综合利用项目以"临近 原料端、贴近市场端"为布局原则，由建材科技作为投资主体，提供其位于安宁工业园区草铺片区的土 地及 ...

Core Viewpoint - Understanding and utilizing the correct complaint channels is essential for consumers to effectively protect their rights when facing issues with companies. Official Complaint Channels: Authoritative and Reliable - The National 12315 platform is a key official complaint channel, offering multiple ways for consumers to submit complaints, including an app and WeChat mini-programs [1] - Industry-specific complaint channels through regulatory bodies and consumer associations are more effective for targeted issues, as they are established to protect consumer rights [1][2] - Industry associations, while lacking enforcement power, can influence companies through self-regulation mechanisms [1] Social Complaint Platforms: Convenient and Efficient Supplement - Social complaint platforms like Black Cat Complaints provide a user-friendly interface for consumers to lodge complaints quickly, with a process that takes less than five minutes [3] - These platforms utilize intelligent ticketing systems for real-time tracking of complaint progress and employ public opinion mechanisms to enhance visibility of issues [3] - Black Cat Complaints maintains a neutral stance, acting as a bridge for information transfer without charging fees [3] Industry-Specific Complaint Channels - Different industries have tailored complaint channels, such as: - E-commerce: Prioritize internal platform mechanisms, supplemented by 12315 and Black Cat Complaints [4] - Education: Complaints can be directed to education authorities and market regulators for false advertising [4] - Home Renovation: Multiple channels including 12315 and construction committee hotlines should be utilized [4] - Automotive: Black Cat Complaints can be used to report defect clues, contributing to national monitoring efforts [4] Preparation for Complaints - To enhance the success rate of complaints, consumers should prepare by gathering complete evidence, clearly stating their demands, and maintaining a rational attitude [4]

Core Viewpoint - The "Science and Technology Innovation Market" in Shanghai Jiading District aims to enhance the integration of technology and finance, focusing on the entire lifecycle needs of innovative enterprises and accelerating the transformation of scientific and technological achievements [1] Group 1: Platform Development - The "Science and Technology Innovation Market" will provide support services for the transformation of scientific and technological achievements and key industry development, integrating functions such as achievement display, project roadshows, financing connections, innovation services, and policy guidance [1] - A dual-service platform will be established, combining online and offline resources, including a dedicated section on the Shanghai Trading Group's website and a physical knowledge property protection center [2] Group 2: Mechanism Construction - A "three-dimensional linkage" mechanism will be constructed, coordinating financial, technological, and industrial elements to provide diversified capital support for enterprises [2] - The mechanism will involve collaboration among government departments, financial institutions, and innovative entities to strengthen the "Jiading Science and Technology Innovation Core" [3] Group 3: Financial Engagement - During the launch of the "Science and Technology Innovation Market," six technology achievement transformation projects and investment institutions signed equity investment agreements totaling 325 million yuan [4] - Financial institutions, including Shanghai Bank and Bank of Communications, signed credit agreements amounting to 1.052 billion yuan with technology enterprises [4] Group 4: Collaborative Innovation - Jiading District is building a multi-level innovation platform system, creating a collaborative innovation pattern involving universities, leading enterprises, and innovation carriers [3] - The district is also enhancing the collaborative innovation core circle with neighboring regions and establishing alliances in key industries such as new energy vehicles [3]

Group 1 - The core viewpoint of the news is that Guolian Co., Ltd. experienced a decline in stock price and significant net outflow of funds, indicating potential market concerns [1] - As of November 17, Guolian's stock price dropped by 2.03% to 27.48 CNY per share, with a total market capitalization of 19.8 billion CNY [1] - Year-to-date, Guolian's stock price has increased by 3.64%, but it has seen a decline of 5.40% over the last five trading days [1] Group 2 - Guolian Co., Ltd. was established on September 6, 2002, and listed on July 30, 2019, with its main business involving online commodity trading, accounting for 99.76% of its revenue [2] - For the period from January to September 2025, Guolian reported a revenue of 38.78 billion CNY, a year-on-year decrease of 3.63%, and a net profit of 1.101 billion CNY, down 1.73% year-on-year [2] - The company has distributed a total of 419 million CNY in dividends since its A-share listing, with 313 million CNY distributed over the past three years [2] Group 3 - As of September 30, 2025, the top ten circulating shareholders of Guolian include Hong Kong Central Clearing Limited, which increased its holdings by 3.2343 million shares [3] - The eighth largest shareholder,招商安华债券A, reduced its holdings by 568.18 thousand shares [3] - A new shareholder, 南方中证1000ETF, entered the top ten with 460.99 thousand shares [3]