CITIC SEC's Research Reports believe that recently, the central bank held a quarterly monetary policy committee meeting and a work meeting for 2025, with the meeting indicating that the intensity of monetary policy in the next phase is expected to be maintained. The guidance for "timely" adjustments suggests a prior move to lower interest rates, recommending attention to the savings space for Banks' liability costs and the strength of the Crediting opening at the beginning of the year. January marks the onset of the mid-term dividend season, and there is a possibility that some trading funds from the previous speculative "equity filling" market may withdraw. However, from a mid-term perspective, stable return Assets remain scarce, and there is still space for absolute return funds to increase their holdings in the Banking Sector, thus short-term pullbacks may create opportunities for allocation funds. There will be some point fluctuations in the market at the end and beginning of the year, but it is expected that next week will start a rebalancing period of policy-economy-market-expectations, with dividend Assets expected to still be a direction with strong certainty in the short term, and the Banking Sector remains clearly valuable.