Core Viewpoint - The Ministry of Commerce and nine other departments have released a special plan for the 2026 "Spring Festival Shopping" event, aimed at boosting consumer spending during the holiday season [1] Group 1: Consumer Incentives - The plan encourages local governments to increase the number of subsidies for exchanging old consumer goods for new ones during the Spring Festival [1] - It emphasizes the need for offline retail support and urges businesses to conduct promotional activities related to automobiles, home appliances, digital, and smart products [1] - The initiative aims to create product experience zones for smart terminals and offer more discounts to consumers who visit stores for hands-on experiences [1] Group 2: Financial Collaboration - Financial institutions are encouraged to collaborate with key merchants to design exclusive Spring Festival activities, including consumer red envelopes and discounts [1] - The plan suggests combining local promotional activities with offers such as payment reductions and points redemption to stimulate spending [1] - It promotes the use of digital currency smart contracts for consumer red envelopes and emphasizes the importance of ensuring adequate cash availability and operational bank branches to meet public financial service needs [1]

活动现场，建设银行上海市分行有关支行与浦东新区、静安区、徐汇区三个区公租房公司签署合作协 议。首批拟收购房源聚焦房型匹配、布局合理、配套成熟、交通便捷等优势，精准匹配各领域人才"职 住平衡"需求，为更多青年人提供优质居住选择，为城市核心产业发展筑牢人才支撑。 本报讯 记者张冰洁报道 2月2日，建设银行（601939）举办支持上海市首批收购二手住房用于保障性租 赁住房项目签约活动。上海市副市长张小宏、建设银行副行长唐朔出席。来自上海市住建委、房管局、 浦东新区、静安区、徐汇区，建设银行上海市分行以及其他相关单位的70余位代表参加活动。 本次签约强化供给与需求匹配、租赁与购置联动，将推动上海住房保障体系更加完善，进一步拓宽房源 筹措渠道，有效缩短建设周期，优化区域布局，助力形成"政策引导、市场运作、多方协同、群众得 益"的良好格局。 ...

Group 1 - The core activity "Ningbo Love. Accompany You Home" has been conducted for 11 consecutive years, showcasing the company's commitment to social responsibility during the Spring Festival travel season [1] - In 2026, the company collaborated with multiple organizations to set up a caring service point at Ningbo Railway Station, distributing 16,000 "Happy Homecoming Gift Bags" filled with practical cultural items and local delicacies [1] - Since its inception in 2016, the initiative has provided over 110,000 warm items to travelers, evolving from simple warm cushions to culturally themed gift packages [1] Group 2 - The event featured an AI photo project that attracted many travelers, providing them with memorable experiences and gifts, such as local food and printed photos [2] - Long-term volunteers, including those who have participated for 11 years, emphasize the meaningfulness of the service, highlighting the company's dedication to community support [2] - The company aims to continue its service philosophy of "Responsibility, Wisdom, Temperature," ensuring that every journey is accompanied by warmth and care [2]

Core Viewpoint - The banking industry is focusing on supporting the real economy through strategic transformation and risk management, with a clear emphasis on high-quality development and service to key sectors [1][3][8]. Group 1: Performance of Listed Banks - Several A-share listed banks, including China Merchants Bank, CITIC Bank, and Shanghai Pudong Development Bank, have reported significant growth in both operating income and net profit for 2025, indicating a recovery in profitability [2]. - CITIC Bank and Shanghai Pudong Development Bank have both entered the "10 trillion yuan club," with total assets of 10.13 trillion yuan and 10.08 trillion yuan respectively, marking growth rates of 6.28% and 6.55% year-on-year [2]. - The overall trend for joint-stock banks in 2025 is characterized by stable scale, optimized structure, risk control, and improved efficiency, showcasing strong resilience against economic cycles [2]. Group 2: Strategic Focus on Real Economy - The banking sector is shifting from "scale expansion" to "high-quality development," with a focus on precise strategies to support the real economy and address cyclical fluctuations [3][6]. - Major state-owned banks have emphasized the importance of serving the real economy in their 2026 operational plans, aligning their actions with national strategic directives [4]. - Agricultural Bank of China is prioritizing support for rural revitalization, while Bank of China aims to enhance its global capabilities and services [4]. Group 3: Digital Transformation and Innovation - Digital transformation is becoming a key support for banks to enhance their service efficiency to the real economy, with initiatives like "AI+" being implemented to innovate service models and improve decision-making [5]. - Postal Savings Bank is pursuing a comprehensive upgrade strategy focusing on digitalization and value-driven growth, aiming for high-quality development [5]. Group 4: Financial Resource Allocation - The banking industry is actively channeling more financial resources into key areas such as expanding domestic demand, technological innovation, and supporting small and micro enterprises [6][8]. - Banks are adjusting their strategic layouts to focus on the "five major financial articles," enhancing the precision and effectiveness of their services to the real economy [6]. - Notable growth in technology finance loans has been reported, with Hangzhou Bank and Nanjing Bank showing increases of 23.44% and 19.49% respectively [6][7]. Group 5: Regional and Sectoral Support - Banks are increasingly focusing on regional development and industrial upgrades, with initiatives to strengthen local financial services and support manufacturing sector transformations [7]. - The emphasis on supporting small and micro enterprises has led to significant growth in inclusive finance loans, with Hangzhou Bank and Nanjing Bank reporting increases of 17.06% and 17.46% respectively [7]. - The banking sector is aligning its services with national strategies in areas such as technological innovation, green development, and rural revitalization [8].

在政策护航下，破解实体经济融资痛点，关键在于推出贴合需求、打破局限的创新担保产品。 面对小微企业、"三农"主体、科创企业等不同群体"缺抵押、需求杂、用款急"的差异化难题，各地 融资担保机构跳出传统担保思维，量身定制多元化产品，让金融活水精准滴灌至实体经济各领域。 实体经济是国民经济的基础和命脉，小微企业与"三农"主体是实体经济的"毛细血管"，更是稳就 业、保民生、促发展的关键抓手。 作为连接金融与实体经济的桥梁，融资担保公司凭借"增信、分险、中介"的核心功能，一头连着银 行机构的信贷供给，一头连着市场主体的资金需求，成为破解普惠领域融资痛点、打通金融活水"最后 一公里"的重要力量。 近年来，随着《政府性融资担保发展管理办法》等一系列政策落地见效，融资担保行业不断通过产 品创新、服务提质，为实体经济发展注入金融动能。 产品创新加速激活实体经济融资动能 好产品需好服务加持。融资担保行业服务实体经济，既要靠产品创新破解"贷不到"的难题，又要靠 服务提质满足"贷得快、贷得省、贷得暖"的需求。 记者注意到，近年来，各地融资担保机构聚焦企业融资全流程，从简化流程、下沉服务、降费让 利、数字化升级等方面发力，以有温度、高效 ...

当前，金融租赁行业进入政策红利与业务创新双向驱动的发展新阶段。 2025年12月，中国人民银行等部门联合发布《关于推广农业设施和畜禽活体抵押融资的通知》（以 下简称《通知》），引导金融租赁公司积极发挥特色优势，打通"三农"融资难点、堵点，让融资租赁服 务直达田间地头、扎根县域乡村。今年1月1日，《金融租赁公司融资租赁业务管理办法》正式实施，划 定业务合规底线，引导行业回归服务实体经济本源。 开年以来，金融租赁公司锚定新政新规、加速业务创新。《金融时报》记者注意到，一批紧扣新规 导向、贴合产业需求的创新业务密集落地，行业正在前沿赛道突破、绿色领域深耕、普惠场景延伸中推 进高质量发展。 《通知》明确"支持金融租赁公司将符合要求的现代农业设施和畜禽活体等生产性生物资产作为适 格租赁物，积极探索银租联动等创新模式"，为金融租赁介入农业活体资产融资领域扫清了政策障碍， 化解农业产业融资难题有了实质性突破。 抢抓政策机遇，金融租赁公司率先布局。《金融时报》记者注意到，中铁建金租、交银金租近期分 别以母牛、种猪为租赁物，并结合生物资产最佳生产期、产生现金流情况以及处置渠道等核心因素，推 出定制化的生物资产融资租赁方案，让农 ...

2026年，如何开新局、起好步？ 作为连接实体经济与金融市场的桥梁，企业集团财务公司以一个个"首笔"业务写好开局答卷。 在中国人民银行再贴现利率下调执行首日，中化财务公司完成了落地河北雄安新区后的首笔再贴现 业务。 在农历新年即将到来之时，招商局财务公司成功开立首笔财务公司农民工工资支付保函，确保项目 施工过程中农民工工资实时、足额地发放到位。 在金融服务实体经济这张开局答卷上，财务公司的奋进身影不止于业务端的创新突破，也在经营质 效上交出了亮眼的成绩单。 日前，中车财务公司公布其结算量创成立以来最高水平，2025年全年结算123万笔，结算规模3.99 万亿元；鞍钢财务公司四川分公司助力攀钢集团2025年全口径月均资金集中度较上一年度大幅提升 16.45个百分点；福建能化财务公司石化板块授信和信贷规模双双创历史新高，2025年共为29家成员企 业提供综合授信融资方案，授信总额达153亿元；石化板块综合授信额度增长87.6%，贷款余额增长 16.7%。 收获成绩、聚力创新的背后，是财务公司立足主业、服务实体的持续坚守。 在数智化转型加速之际，中国电力财务公司首次通过系统直连方式为成员企业办理流动资金贷款业 务。 ...

责任编辑：袁浩 会议要求，广发银行要按照集团"333战略"和2026年工作要求，坚持稳中求进、提质增效，坚定不 移推动高质量发展。要突出政治引领，在强化党的建设上开创新局面；突出价值创造，在推动高质量发 展上展现新作为；突出特色发展，在打造核心竞争优势上实现新突破；突出改革创新，在培育发展动能 上激发新活力；突出风险防控，在统筹发展与安全上取得新成效。 会议强调，"十五五"时期是广发银行改革攻坚、转型破局的关键窗口期。全行上下要抓住和用好难 得的发展机遇，坚定信心、乘势而上，努力成为集团高质量发展的中坚力量和综合金融的重要依托、服 务粤港澳大湾区主力银行。突出价值创造这一鲜明导向，发挥背靠国寿、根植湾区两大特色优势，着力 锻造协同创新、跨境服务、风险管控、科技支撑四项专业能力。 本报讯 记者赵萌报道 近日，中国人寿集团成员单位广发银行在京召开2026年工作会议，深化落实 中国人寿集团2026年工作会议，总结2025年工作，部署下一步重点任务。 ...

Core Viewpoint - China People's Insurance Group (CPIC) is committed to building a world-class insurance financial group and aims to contribute significantly to the modernization of China through high-quality development and comprehensive risk management [1][2][3] Group 1: Strategic Goals and Development - The year 2025 is highlighted as a significant year for CPIC, focusing on balanced growth in scale and efficiency while enhancing social responsibility and economic benefits [1] - The company emphasizes the importance of aligning with the central economic work conference's spirit and aims to enhance services in areas such as consumption, innovation, and social welfare [2] - CPIC plans to implement a "first-class" strategy in 2026, balancing speed and quality, and focusing on high-quality development and risk management [3] Group 2: Reform and Innovation - CPIC is committed to deepening reforms across six key areas, including governance, strategic control, and digital transformation, to enhance operational efficiency [2] - The company aims to innovate its insurance services to play a counter-cyclical role in economic development, contributing to broader societal goals [2] - Emphasis is placed on creating a high-quality business portfolio and improving service capabilities to achieve sustainable growth [2][3]

Core Insights - The upcoming 9-day Spring Festival holiday is expected to ignite a surge in travel demand, with various travel products already entering a "booking frenzy" [1] - The proportion of travelers during the 2026 Spring Festival is anticipated to increase, gradually catching up with the "returning home" crowd, highlighting a trend towards "segmented New Year" and "composite Spring Festival" experiences [1] Group 1: Travel Trends - "Non-cross-province" travel is gaining popularity, with many travelers preferring local trips to avoid delays in visiting family and friends [2] - Approximately 20% of the top 100 cities for hotel bookings during the Spring Festival are located in provinces with a high number of migrant workers, such as Henan, Anhui, Sichuan, and Jiangxi [2] - The "reverse New Year trend" is notable, with young people in major cities bringing their parents from rural areas to celebrate together [2] Group 2: Regional Highlights - Regions like Guangdong, Fujian, and Sichuan are launching campaigns to attract tourists, with Guangdong's hotel bookings increasing by 169% compared to last year [3] - Fuzhou has entered the top five for hotel bookings during the Spring Festival, with an increase of over 80% year-on-year [3] - Sichuan's New Year activities, including the famous lantern festival, are making it a sought-after destination, with hotel prices rising significantly [3] Group 3: Emerging Travel Patterns - A report indicates a clear trend towards segmented travel, with nearly 35% of users opting for early bird trips before the holiday peak [5] - The highest travel peak is expected on February 18, following family reunions and traditional New Year celebrations [6] - There is a growing interest in "niche" travel destinations and experiences, with social media playing a significant role in promoting lesser-known locations [6]