State -owned banks will reduce personal deposit interest rates from September 15; Meituan announces the head wearable equipment patent ｜ Zero 1 Daily

Must -see speeding 1. Online information office: It is necessary to improve the legal responsibility system that violates the general regulations of the network operation security 2. Hengqin Guangdong -Australia In -depth Cooperation Zone Printing and Listing Special Support Methods 3. Zhang Qingsong, Vice President of the Central Bank: Persist in paying the business to return to the origin, Standardize platform enterprise payment business 4. Multiple state -owned banks have lowered personal deposit interest rates from September 15th 5. Bohai Bank Fuzhou Branch 6 illegal regulations were fined 3.75 million yuan 6. Changshu Bank and other bank convertible bonds "new new ones" ", Nearly 80 billion yuan to be released 7. Meituan's head wearable equipment patents can be announced. You can display information prompts during cycling. Multi -bloom "10. Instagram launch a chat payment function to the enterprise

Source | Zero One Finance

Author | Chu Jili

【Supervision/Policy News】

Online Information Office: It is intended to improve the legal responsibility system that violates the general regulations of the network operation security

On September 15th, the Internet Information Office issued a notice of the "Decision (Draft for Soliciting Opinions) of the People's Republic of China Network Security Law" (for the Draft for Opinions). system. Combined with the implementation of the current network operation security legal system, the types and amplitude of administrative penalties that intend to adjust the act of violating the obligations of network operation security or the consequences of the operation of network operation security. (First Finance)

Zhang Qingsong, deputy governor of the central bank: accelerate the legislative process of the regulations of non -bank payment institutions

On September 15th, Zhang Qingsong, a member of the Party Committee and Vice President of the People's Bank of China, said when talking about promoting the high -quality development of the payment industry, one is to continue to promote the fund chain governance of telecommunications network fraud, cross -border gambling and illegal payment activities, and the industry's various industries. Fang should resolutely actively take the initiative to take the main responsibility of governance, balance the relationship between preventive risks and excellent services, continuously improve the effectiveness and accuracy of strike governance, and fulfill the obligations to protect the legitimate interests of the people; the second is to implement the enterprise of strengthening the large -scale payment platform Supervision, promoting work plan for the healthy development of payment and fintech, adhere to the return of payment business to the origin, standardize the platform enterprise payment business, accelerate the legislative process of non -bank payment institutions, and consolidate the foundation of supervision of the rule of law. (Securities Daily)

Shenzhen: Strive to be built into a fintech center city with international influence by 2025

On September 15th, the Shenzhen Municipal Local Financial Supervision Bureau issued a notice on publicly soliciting the opinions of the "Shenzhen Special Development Plan for Financial Technology (2022-2025)", and strive to further enhance the ecological environment of the fintech industry by 2025 to gather together and gather together. A group of fintech innovation projects, entrepreneurial teams, basic platforms and outstanding talents, cultivate a number of financial technology leading enterprises and industry benchmarks, focus on breaking a number of key technologies of fintech cutting -edge, promote the application of a number of high -quality fintech innovation results, promote the formation of formation A group of fintech business standards will build Shenzhen into a financial technology center city with international influence. (Securities Times)

Hengqin Guangdong -Australia In -depth Cooperation Zone Printing and Release Special Support Methods

On September 15th, the Hengqin Guangdong -Australia In -depth Cooperation Zone Financial Development Bureau issued the "Special Support Measures for the Listing of Hengqin Guangdong -Australia In -depth Cooperation Zone Enterprises", which took effect on September 26, 2022. It stipulates that it will give the cooperative zone enterprises that public offer shares for the first time on the Shanghai Stock Exchange, the Shenzhen Stock Exchange, the Beijing Stock Exchange for the first time on the main board of the Hong Kong Stock Exchange for the first time, and directly listed the transaction. Special support; the cooperative zone enterprises that are first listed in the stock transfer system of stocks in the national small and medium -sized enterprise shares, giving 1.3 million yuan in funding support, the New Third Board Cooperation Zone Enterprise Entering an innovation layer and giving 700,000 yuan in funds. (Securities Times)

【Company News】

Many state -owned banks have lowered personal deposit interest rates from September 15th

On September 15th, from many parties to verification, many state -owned banks have adjusted personal deposits interest rates again from September 15th, including various varieties interest rates, including diverse deposits and regular deposits, have different levels of fine -tuning. Among them, the three -year regular deposit and large -deposit interest rates were reduced by 15 basis points. Many national -owned banks from Beijing, Shanghai and other places confirmed the above information. This personal deposit interest rate is reduced by expectations. The results of the LPR quotation released on August 22 show that the 1 -year LPR downgrade 5 basis points, and the 5 -year and above LPR downgrade 15 basis points. At that time, many analysts believed that with the decrease of LPR, the deposit interest rate was also expected to be reduced again. (Securities Times)

Many banks such as Changshu Bank have "new" convertible bonds, nearly 80 billion yuan to get out

On September 15, Changshu Bank's 6 billion yuan convertible bonds were opened to purchase. As of September 14, five banks from Minsheng Bank, Changsha Bank, Zilu Bank, Xiamen Bank, and Ruifeng Bank disclosed the convertible bond issuance plan. It is expected that a 79 billion yuan commercial bank convertible bonds will log in to the market. Essence Industry insiders said that Changshu Bank's convertible bonds have strictly repaired the clauses and good debt protection. Investors can participate in new. For banks, issuance convertible bonds means that banks' thirst for capital supplementation, but it still needs to pay attention to the lack of actual replenishment of capital replenishment. (CSI)

Bohai Bank Fuzhou Branch 6 illegal regulations were fined 3.75 million yuan

On September 9th, the penalty announcement updated by the CBRC's official website showed that Bohai Bank Fuzhou Branch was fined 3.75 million yuan for 6 violations of 6 violations, and 5 responsible persons were warned. China Property & Casualty Insurance: In the first 8 months, the original insurance premium revenue of about 340.2 billion yuan increased by 9.8% year -on -year

On September 15th, China Property & Casualty Insurance (02328.HK) issued an announcement that the company's original insurance premium revenue from January to August 2022 to August was about 340.247 billion yuan, an increase of 9.8%year-on-year.

Meituan's head wearable equipment patent is announced, and information prompts can be displayed during cycling

September 15th, recently, the patent of "head wearable equipment, communication methods, devices, storage media and electronic equipment" applied for by Beijing San Kuang Online Technology Co., Ltd. was announced. This patent enables users to see the prompt icon information corresponding to the instructions sent by the mobile terminal through the AR display component, and the information is more simplified in the form of the icon, which is convenient for users to focus on cycling and improve the safety of cycling. sex.

Tencent Music Application is listed on the main board of the Hong Kong Stock Exchange by an introduction method

On September 15th, Tencent Music Announcement stated that it will be listed on the main board of Hong Kong United Trading Co., Ltd. in the introduction of an introduction. Class A ordinary shares are expected to start sale on the Hong Kong Stock Exchange on September 21.

【Industry News】

The cumulative turnover of the national carbon market is 8.559 billion yuan

On September 15th, at the "China Ten Years" series of theme press conferences held by the Central Propaganda Department, Huang Runqiu, Minister of Ecological Environment, said that as of the 14th, the cumulative trading volume of the carbon emissions of the national carbon market was 195 million tons. The amount is 85.59 billion yuan. The national carbon emission right trading market (referred to as the national carbon market) to achieve an important policy tool for my country's "double carbon" goal. On July 16, 2021, the national carbon market officially launched the launch transaction. The first performance cycle was included in 2162 key emission units in the power generation industry. As soon as it was launched, it became the carbon market with the largest gas emissions of greenhouse gas in the world. Incentive constraints, control greenhouse gas emissions, and promote green and low -carbon development. (Science and Technology Daily)

The bank wealth management company tried to sell direct sales, and intended to "bloom more"

On September 15th, bank wealth management companies are continuing to "cultivate internal skills" to improve their competitiveness. Among them, "testing water" is one of the attempts to build direct sales channels. As of now, many bank wealth management companies have built or are building direct sales apps. Industry insiders believe that direct sales channels can help bank wealth management companies save sales costs and establish company brands, thereby playing a role in building a systematic sales management. However, the construction of direct sales channels is still in the initial stage. In the future, the further development of bank wealth management companies will need to expand multiple channels. (CSI)

Listed companies set up industrial funds

On September 15th, according to incomplete statistics, since the second half of this year, more than 100 listed companies have issued announcements on participating in the establishment of industrial funds, of which about 40 % intend to invest in emerging industries such as new energy and new materials. Industry insiders said that by relying on external professional investment and research power and funding support, listed companies can integrate the industrial chain or make diversified investment to cultivate new profit growth points. (CSI)

Listed companies set off another "repurchase wave", and the industry leader leads confidence

On September 15th, under the continuous fluctuation of the market, a number of listed companies chose to repurchase shares to boost market sentiment and convey confidence in development. Since August this year, 38 A -share listed companies have disclosed the stock repurchase plan (excluding equity incentive repurchase), including many leading companies in various segmented industries. From the perspective of the repurchase amount, the top three repurchase amounts in this round are Sinopec, Rongsheng Petrochemical and Guanghui Energy, of which the upper limit of Sinopec's repurchase amount reached 2.5 billion yuan. From the perspective of the industry, pharmaceutical creatures are the most active industries for repurchase this round. From the perspective of progress, more than half of the companies have implemented repurchase, and two companies have exceeded the repurchase target. (Shanghai Securities Report)

The size of China's smart home appliance market has reached 500 billion yuan

On September 15th, He Yaqiong, director of the Consumer Products Industry Department of the Ministry of Industry and Information Technology, said at the conference of the consumer goods industry on the 14th that since the 18th National Congress of the Communist Party of China, the quality and level of consumer goods have continued to increase. The 200 billion yuan increased to the current 500 billion yuan. (Financial Association)

【International News】

Instagram launch a chat payment function to the enterprise

On September 15th, Meta announced on September 14, local time that it launched a chat payment function in Instagram. Enterprises can accept payment in the chat information without switching applications. This function does not charge fees. Meta said that users can use Meta Pay to pay with debit cards, credit cards or paypal. This function is currently only applicable to qualified sellers who use professional accounts on the Instagram mobile terminal. (interface)

Many hedge funds predict that Musk will lose the lawsuit and will acquire Twitter at a slight price

On September 15th, it is reported that Twitter sued Musk's breach of contract (abandoning the acquisition of Twitter) and the trial will be held on October 17. At present, a number of punch funds that purchase Twitter stocks, options or bonds predict that Musk will lose the case at that time, and the court will ask Musk to continue to execute the acquisition transaction. (Sina Technology)

Wal -Mart is about to start digital current deposit account test

On September 15th, according to Bloomberg, Wal -Mart will test the function of digital survival deposit accounts to thousands of employees and some network platform customers in the next few weeks. It's an important step. According to reports, this current account will be provided by the digital platform ONE. The original name of HAZEL is an independent fintech department established under the leadership of Omer ISMail, former Goldman Sachs Consumer Banking. Earlier this year, Wal -Mart acquired digital bank ONE and salary prepaid platform EVEN, and integrated it into a new digital financial service platform ONE. At present, the department has more than 200 employees and more than 250 million US dollars on the balance sheet. Essence (Weiyang.com)

Singapore plans to launch "Buy first and then pay" codes of behavior this year

On September 12, the person in charge of the Singapore Financial Management Bureau (MAS) accepted inquiries in Congress on the status quo of "buy first and then paid" (BNPL) industry. According to reports, the total amount of BNPL transactions in Singapore in 2021 reached 440 million US dollars, a significant increase from US $ 114 million in 2020, but the overall transaction scale was still small, far below the total amount of credit card and debit card payment in 2021. Under the guidance of MAS, the Singapore Fintech Association established the BNPL working group in March 2022 to formulate relevant behavioral standards and is expected to be launched this year. The BNPL standard will limit the accumulation of consumer debt. The measures that are considering include that once the payment is overdue, the user will be suspended to use the BNPL further, not collecting compound interest on unpaid items, and requiring users to conduct credit evaluation before the credit limit specified by BNPL suppliers. BNPL suppliers are also exploring information on mutual sharing of the customer's unpaid amount and arrears to better evaluate their customers' reputation. (Weiyang.com)

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