Core Viewpoint - The People's Bank of China (PBOC) emphasizes the importance of green finance in supporting China's economic transition towards a low-carbon future, as outlined in the "2025 Q4 China Monetary Policy Implementation Report" [1] Group 1: Green Finance Development - Green development is highlighted as a key aspect of China's modernization, necessitating a robust policy mechanism to direct funds towards green and low-carbon sectors [2] - The establishment of a unified green finance standard system is progressing, with the introduction of the "Green Finance Support Project Catalog" in 2025 to standardize green loans, bonds, and insurance [2] - The PBOC has introduced carbon reduction support tools to incentivize financial institutions to increase credit to key areas such as clean energy and carbon reduction technologies [2][3] Group 2: Market Growth and Performance - During the "14th Five-Year Plan" period, green loans grew at an average annual rate of 30.2%, significantly outpacing overall loan growth by 21.1 percentage points, with the proportion of green loans rising from 6.7% to 16.2% of total loans [3] - Cumulative issuance of green bonds reached 5.2 trillion yuan, with a balance of 2.4 trillion yuan, representing a 1.8-fold increase since the end of 2020, positioning China as a global leader in this market [3] Group 3: Future Initiatives - The PBOC plans to enhance carbon accounting and sustainable information disclosure among financial institutions, aiming to integrate carbon emissions into asset portfolio considerations [4] - Future efforts will include optimizing carbon reduction support tools and expanding the range of supported areas, as well as promoting the development of carbon financial products and derivatives [4] Group 4: Structural Policy Tools - The PBOC has introduced various structural policy tools to stimulate demand and support consumption, including a dedicated 500 billion yuan for consumer and pension-related re-lending [5] - Additional support for technology innovation has been provided, increasing the re-lending quota for technology innovation and technical transformation to 1.2 trillion yuan [6] - The PBOC is also focusing on enhancing financing accessibility for small and micro enterprises, with increased re-lending and support for private enterprises [6]

"1月份物价运行呈现低位温和回升态势。"民生银行首席经济学家温彬分析称，CPI方面，虽然春节错月 影响下同比涨幅回落较多，但居民消费需求持续恢复，核心CPI温和上涨的态势没有改变；同时，PPI环 比连续第4个月上涨，同比降幅连续第2个月收窄，价格逐步企稳。 从走势来看，1月物价数据和去年12月相比出现了明显变化，由去年12月的CPI同比涨幅扩大、PPI降幅 收窄，转变为CPI同比涨幅有所回落、PPI降幅继续收窄。"但总体上看，物价温和回升的势头并没有发 生根本变化。"东方金诚研究发展部执行总监冯琳分析称。 1月CPI同比涨幅有所回落，主要涉及两方面原因。一是春节错月影响。上年1月份为春节月份，食品和 部分服务价格上涨较多，导致上年同期对比基数较高，带动本月同比涨幅回落较多。二是国际油价变动 导致能源价格降幅扩大。1月份能源价格下降5.0%，影响CPI同比下降约0.34个百分点，其中汽油价格同 比下降11.4%，降幅比上月扩大3.0个百分点。 不过，伴随居民消费需求持续恢复，核心CPI温和上涨的态势没有改变。1月份扣除食品和能源价格的 核心CPI环比上涨0.3%，为近6个月最高。 2月11日，国家统计局发布最新 ...

深耕县域经济 为乡村振兴注入源头活水 临夏州是国家乡村振兴重点帮扶地区，发展的短板在县域，潜力也在县域。中国人民银行临夏州分行深 刻认识到，必须将金融资源配置的重心坚定不移地沉下去，倾力浇灌乡村沃土。在全州部署实施"一县 一业一品"金融助力专项行动，组织金融系统骨干力量，深入各县市开展实地调研，深入剖析资源禀 赋，绘制了涵盖牛羊养殖、特色种植（花椒、树莓、食用菌等）、文旅康养、手工制造等特色产业 的"产业链金融图谱"。在此基础上，引导和鼓励金融机构"按图索骥"、创新产品。如，针对广河县、东 乡族自治县蓬勃发展的牛羊产业，推动金融机构创新推出"活体抵押贷"，通过"活体登记+保险+监管"模 式，将牛羊变为可抵押的资产，累计发放相关贷款超24亿元，支持了数千户养殖户扩大规模。针对和政 县乡村旅游，量身定制"民宿贷""文旅融合贷"，助力美丽乡村转化为"美丽经济"。目前，全州牛羊全产 业链贷款余额已达124亿元，特色产业贷款的"蓄水池"越做越大。巩固拓展脱贫攻坚成果是同乡村振兴 有效衔接的底线任务，中国人民银行临夏州分行持续推动脱贫人口小额信贷政策落地落细，建立常态化 督导机制，确保符合条件、有发展意愿的农户应贷尽贷。 ...

Core Viewpoint - The upcoming Spring Festival is driving a surge in consumer activity across various regions in China, with significant efforts from local governments and businesses to facilitate and enhance the festive shopping experience [1][2] Group 1: Consumer Activity and Events - Various localities are organizing Spring Festival markets and events to cater to consumer demand, including special sales in shopping malls, pedestrian streets, and community parks [1] - The Ministry of Commerce and nine other departments have launched the "2026 'Shop for Spring' Special Activity Plan," which includes a series of initiatives to promote consumption in areas such as food, accommodation, travel, and shopping [1] Group 2: Regional Highlights - In Anhui Huainan, the Spring Festival market is bustling with local specialties like Huainan beef soup and Dagongshan tofu attracting many consumers [1] - The "Taihang Spring City New Year Goods Festival" in Hebei Xingtai offers a local shopping experience for residents [1] - Jiangsu Lianyungang's agricultural fair showcases over 300 local products and features a "cloud shopping" live broadcast [1] - Shandong Leiling's Yellow River Market is also experiencing a lively atmosphere with vendors enjoying good business [1] Group 3: Airport Markets - In Shenyang and Jinan, New Year markets have been set up in airport terminals, featuring over 50 types of local fruits and products, enhancing the travel experience for returning passengers [2] - The interactive experience at these airport markets allows travelers to purchase festive goods conveniently while enjoying the holiday atmosphere [2]

据与复杂风险场景时，难以通过技术手段实现精准研判，成为制约检查体系向数智化、精准化转型的关 键。 数智化银行检查体系的价值、核心建设思路、系统架构 2026年是"十五五"开局之年，金融监管总局前不久召开的监管工作会议在部署2026年重点工作时提出， 全面加强和完善金融监管。聚焦实质风险、解决实际问题，不断强化"五大监管"，提高依法监管能力， 做实分类分级监管。在此背景下，中小银行急需建立一套穿透业务底层、覆盖全流程的有效合规与风险 管理体系。然而，现实困境不容忽视：许多中小银行的检查体系建设长期存在"最后一公里"打通难的问 题，高层管理视线被层级阻隔，风险判断过度依赖层层汇报，信息失准，导致风险、合规管理难以适应 新形势下的监管要求与风险防控需求。随着人工智能、大数据等数字技术的日趋成熟，以"数智化"为核 心特征的检查体系变革已势在必行。 银行检查体系建设的现状及多维痛点分析 中小银行检查体系存在的痛点具有显著的系统性特征，需多重维度开展穿透式深度诊断。 一是在战略认知层面存在定位模糊与价值忽视等问题。一些中小银行管理层普遍存在重业务扩张、轻风 险防控，重事后问责、轻事前预防，检查工作被简单等同于"满足监管要 ...

从交易场所到社区中心：银行角色的悄然转变 传统银行与客户的关系建立在交易基础上——存款、取款、贷款、理财。然而，随着数字化金融服务的 普及，物理网点的交易功能逐渐弱化。这一趋势对于中小银行而言，既是挑战，也是机遇。 安徽某农商银行在支持当地民宿产业发展中，不仅提供贷款，还通过政府搭建的数字化平台，帮助民宿 经营者整合资源、打造品牌、拓展市场。这种"融资+融智"的服务模式，让银行从单纯的资金提供者转 变为产业发展的陪伴者。 这些服务看似"非金融"，实则深刻地影响着客户对银行的认知和情感联结。 温度服务：超越交易的品牌情感连接 金融的本质是信用，而信用建立在信任基础上。在数字化时代，当金融服务可以通过手机随时随地完成 时，物理网点存在的意义何在？中小银行给出的答案是：提供有温度的服务，建立有情感的品牌连接。 中国人民大学农业与农村发展学院教授马九杰认为，金融机构通过实体网点或社区空间、数字化平台和 渠道参与民生保障、政务服务、社会治理属于非金融服务范畴。许多农信机构制定了非金融服务战略， 并将非金融服务放到相当重要的位置。 在竞争日趋激烈的今天，各家银行的产品同质化严重，利率差异微乎其微，服务流程也日益标准化。然 ...

"每年农历新年前换些新钞给家中孩子们包红包，是我们家的传统，代表着辞旧迎新，也是给孩子们送 上美好祝福。"近日，在农业银行北京复兴门支行网点门口，记者碰到了刚刚办理完新钞兑换业务的张 女士。 换新钞、包红包，新春佳节临近，公众对新钞的兑换需求增大。《金融时报》记者了解到，许多银行业 金融机构已提前部署，开启新钞兑换专项服务，为广大有新钞兑换需求的客户提供便捷、高效的新钞及 零钞兑换通道，助力市民迎接喜庆祥和的新年。 早在1月末，农业银行北京分行便启动了2026年"过新年 用新钱"主题活动。 为确保服务高效顺畅、保障到位，该行提前完成新钞调配与储备，实时跟踪预约及现场兑换情况，及时 加大新钞调运频次与库存补充力度，全力确保各面额新钞供应充分满足客户需求。 在"90后"女生小李看来，能够通过线上预约的方式约定新钞兑换时间和数量帮她省去许多麻烦。"往年 要到了网点才知道现场新钞数量不够，跑了好几家才兑换到足额的新钞。今年通过手机银行提前预约， 一次就搞定了。"小李说。 为方便客户提前预约新钞，近日，邮储银行（601658）通过官网微信公众号发布指引文章，以图文并茂 的方式，详细讲解了预约新钞兑换的流程。 除了进一步 ...

Core Viewpoint - The article highlights the dual boost in the consumption market driven by government policies and activities ahead of the Spring Festival, aiming to stimulate consumer enthusiasm through various subsidies and events [1][2]. Group 1: National Initiatives - The Ministry of Culture and Tourism has launched a series of activities for the 2026 National Spring Festival Cultural and Tourism Consumption Month, featuring around 30,000 cultural and tourism events and distributing over 360 million yuan in consumption vouchers [1]. - Measures include ticket reductions, cross-regional tourism discounts, and enhanced policies to benefit direct visitors [1]. Group 2: Local Government Actions - Beijing's municipal government has invested 16.95 million yuan in the "Beijing Cultural Consumption Promotion Action," leveraging over 55 million yuan from platforms and related enterprises, with total subsidies expected to exceed 70 million yuan [1]. - Shanghai will offer discounts on tickets for 60 popular attractions, while Guangxi will host the "2026 Guangxi New Spring Consumption Season" with over 1,000 promotional activities [1]. Group 3: Consumer Goods Promotion - The Ministry of Commerce and nine other departments have released the "2026 'Buy New Spring' Special Activity Plan," encouraging localities to increase subsidies for replacing old consumer goods during the Spring Festival [1]. - The plan aims to enhance support for offline retail and promote exhibitions for automobiles, home appliances, and digital products, fostering a vibrant atmosphere for consumer upgrades [1][2].

商务部副部长盛秋平介绍称，聚焦节日消费需求，涵盖吃住行游购玩全链条。"好吃"方面，鼓励餐饮企 业推出年夜饭套餐、新春团圆宴，以舌尖上的年味温暖人心。"好住"方面，鼓励家居卖场、家电品牌惠 民让利，酒店、民宿推出优惠套餐。"好行"方面，民航、铁路将加大运力，鼓励航空公司推出春节特供 餐食等服务。"好游"方面，开展"跟着电影去旅游"等活动，支持各地举办庙会、非遗展演等年俗活 动。"好购"方面，支持全国步行街（商圈）、一刻钟便民生活圈备足优质货源，推出优惠促销，支持县 域乡村举办年货大集。"好玩"方面，鼓励各地推出特色春晚、乡村演出等，丰富群众新春精神文化生 活。 为广大消费者准备三重大礼包 新春假期是人们购置年货节礼、走亲访友、旅游度假的黄金期。盛秋平表示，按照"政策+活动"双轮驱 动的原则，举办"乐购新春"春节特别活动，将在春节期间推出一批含金量高的政策礼包，促进节日消 费。 2月11日，国新办举行新闻发布会，商务部、文化和旅游部、金融监管总局、广电总局、体育总局等五 部门介绍2026"乐购新春"春节特别活动、保障春节市场供应有关情况。 盛秋平介绍称，"乐购新春"春节特别活动为广大消费者准备了三重大礼包。第一重 ...

年化利率低至0%起、预约试驾可享专属购车权益……随着春节脚步的临近，各家银行密集推出多元化 购车金融福利，进一步点燃消费者的购车热情，在岁末消费旺季抢占汽车消费金融市场先机。 "最低4.59万元首付即可开走爱车。"1月30日，浦发银行也推出了优惠购车活动，在2026年2月28日 （含）前，消费者通过特斯拉官网下单订购Model Y L及适用车型条件的Model 3、Model Y，浦发银 行"浦发i车贷"经国家贴息后的年化利率低至0.49%起， Model 3首月月供低至1788元起。 在提供购车补贴之余，平安银行面向优质客户推出专属福利，可贷款额度至高可达500万元，贴息后， 消费者在该行贷款购买新车的年化利率低至0%起。同时，平安银行还开通了与小米、小鹏、特斯拉等 合作的汽车品牌试驾通道，提前预约试驾更有专属购车权益。 《金融时报》记者注意到，在多重政策红利与春节消费热潮的叠加效应下， "七年低息"的购车金融方 案如雨后春笋般涌现，成为各家银行抢占市场、吸引客群的核心抓手。 除了低息、补贴政策，银行信用卡中心也顺势发力，通过积分激励等方式拉动汽车消费。例如，交通银 行信用卡中心推出"马启鸿途·乐享积分"活 ...