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Deposit interest rates have generally declined, low volatility wealth management and large-denomination certificates of deposit have been promoted. Some small and medium-sized banks still maintain a relative advantage in large-denomination certificate of
①Although the interest rate level of large-denomination certificates of deposit has decreased somewhat, compared with ordinary time deposits, large-denomination certificates of deposit have a relatively high level of return. In addition, relatively speaking, the interest rates of some small and medium-sized banks are relatively high. ②For residents, it is recommended to diversify asset allocation based on their own risk tolerance and investment and financial management needs.
Brokerage morning meeting highlights: China's semiconductor industry's domestic market demand and self-controllable direction are clear.
At today's brokerage morning meeting, citic sec believes that the domestic market and self-controllable direction are clear development directions for China's semiconductor industry; gtja pointed out that the improvement in domestic demand is expected to continue to heat up, highlighting the elasticity of baijiu; htsc stated that bank performance is expected to stabilize, seizing structural opportunities.
Pan Gongsheng: steadily promoting the opening up of the financial services industry and financial market systems, expanding the interconnection of domestic and foreign financial markets.
①The fundamentals of the Chinese economy, the broad market, strong economic resilience, and great potential have not changed; ② Continue to adhere to the supportive mmf policy, strengthen communication with the market, and constantly improve the quality and effectiveness of financial services.
Large banks are accelerating their expansion to lower-tier cities! The balance of inclusive small and micro loans is increasing while interest rates are decreasing. Small and medium-sized banks are speeding up to attract customers.
From the perspective of inclusive finance, state-owned banks continue to lower the average interest rate on inclusive loans for small and micro enterprises this year, while the loan balance has grown rapidly since the beginning of the year. Joint-stock banks and city commercial banks, on the other hand, compete for customers based on service quality.
Citic Sec: The implementation of advanced methods of capital measurement is progressing in an orderly manner. It is recommended to reevaluate the investment value of banks.
From the perspective of investing in the banking sector, the revenue growth rate and profit growth rate of listed banks in the third quarter have both improved, with overall sound asset quality. Currently in the observation period of the macroeconomic policy effects, the subsequent policy support is expected to help alleviate real risks, especially the credit risks of the urban investment and real estate sectors, providing a solid foundation for the stability of the banks' net assets.
Rules for the normalization of existing house loan interest rates have arrived! Understand it in one article.
①Preliminary statistics show that as of October 28, 21 nationwide banks have completed batch adjustments, totaling 53.667 million transactions, reducing the outstanding housing loan interest rates by 25.2 trillion yuan. ②After this round of batch adjustments, the interest rates for existing housing loans have been reduced to 3.3%. If the gap between existing and new housing loan rates is greater than 30 basis points, it will drive a new round of reductions in existing housing loan rates.
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