三是深化投融资和跨境结算便利化。支持金融机构拓展全球服务网络，集聚跨境银团贷款中心和业务， 拓展自由贸易账户功能和应用场景，优化本外币一体化资金池管理，提升企业集团财资中心等总部经济 能级。 四是探索离岸金融服务。探索建立离岸金融制度规则体系，稳步推进自贸离岸债等业务发展，做好金融 风险监测和防范工作。 （文章来源：中国证券报） "下一步，我们将继续落实好国家金融改革开放的部署要求，全面对接国际高标准经贸规则，稳步扩大 金融高水平双向开放，更好服务企业'走出去'和共建'一带一路'。"周小全说。 具体来看，周小全表示，一是提高金融市场国际化程度。配合金融监管部门深化境内外金融市场互联互 通，完善"沪港通""债券通""互换通"等机制安排，推出更多面向国际的金融产品和服务，提高"上海价 格"国际影响力，提升上海国际再保险、航运保险承保能力和服务水平。 二是集聚高能级外资金融机构和国际金融组织。支持外资金融机构设立地区总部和分支机构，加快全球 资产管理中心建设，吸引更多资管行业主体集聚，吸引各类保险机构设立再保险运营机构，推动更多国 际金融组织落户上海。 2月11日，上海市人民政府新闻办公室举行"十五五"规划主题系列 ...

这一案例是当前中小金融机构减量提质、加速化险的缩影。2026年以来，村镇银行改革步伐明显加快。 从传统"村改支""村改分"到引入信托工具，多元化的改革模式正在重塑县域金融格局。 近日，江苏溧水民丰村镇银行74%股权在江苏省产权交易所挂牌转让，挂牌价格7360.63万元，转让方 为其主发起行——江苏民丰农商银行。此前，江南农商银行已召开股东会，会议内容包括审议吸收合并 该村镇银行并设立分支机构。 村镇银行74%股权挂牌转让 挂牌公告显示，转让标的为江苏溧水民丰村镇银行74%的股权，对应7992万元出资额，转让方江苏民丰 农商银行持股比例达74%，此次转让实为清仓式退出。 根据挂牌公告，截至2025年10月末，江苏溧水民丰村镇银行资产总额17.77亿元，盈利状况堪忧，2024 年该行实现营业收入4329.30万元，净利润为-3205.55万元。 优化金融资源配置 村镇银行改革重组是金融机构改革化险的重要内容之一。早在2020年底，原银保监会就发布了《关于进 一步推动村镇银行化解风险改革重组有关事项的通知》，明确了支持主发起行向村镇银行补充资本、适 度有序推进村镇银行兼并重组、引进合格战略投资者开展收购和注资等四类 ...

Group 1 - Shenzhen aims to become a global leader in the artificial intelligence industry, with a target of over 10% growth in the AI industry cluster's added value by 2026 [1] - The city has over 2,600 AI enterprises and expects core AI industry revenue to reach approximately 220 billion by 2025, maintaining its position in the top tier nationally [2] - Shenzhen is focusing on building a comprehensive AI ecosystem, including a national AI college and a venture capital fund of 50.45 billion aimed at emerging fields like AI [3] Group 2 - The city is pushing for high-level applications of AI across various industries, having opened nearly 200 "city + AI" application scenarios, particularly in urban governance and public services [5] - Challenges remain, such as insufficient data integration and the need for enhanced core technology autonomy, which require a more robust AI ecosystem [6] - Recommendations include fostering deep integration of AI with high-end manufacturing and smart cities, and implementing regulatory innovations to accelerate the transition of high-potential applications from labs to market [6]

"元旦就订满了""现在最早只有大年初七的位置了"……随着马年春节脚步临近，年夜饭市场持续升温。 中国证券报记者日前询问多家餐厅发现，在年夜饭时段，这些餐厅不少门店的包间早已被预订一空。记 者采访了多家餐厅负责人、上门私厨工作人员，探寻年夜饭预订火爆背后，商家如何捕捉市场需求，解 锁"团圆生意经"。 深耕家乡味道 寒冷的冬夜里，北京隆福寺新春市集上，北京福州宾馆、联营烧麦、老川办餐厅等摊位前人头攒 动。"福州小吃，鱼丸、肉燕、芋泥，可以两拼、可以三拼！"几口装着丸子肉片的大锅热气蒸腾，白雾 瞬间凝结在围观客人的眼镜上。 生意的红火，清晰地映在老板脸上。北京福州宾馆经理、负责人杨明明笑着打开收款统计App，向记者 展示这份冬日的收获："你别看天气这么冷，也卖了7000多（元）。" 对于在异乡过年的人来说，那口最地道的"家乡味"成了不可或缺的乡愁寄托。深耕家乡味道，正是不少 餐厅年夜饭经营的关键所在。 除了参与市集售卖，在年夜饭经营上，杨明明介绍，与平时餐厅以闽菜为主、融合菜为辅的经营方针不 同，今年年夜饭套餐均是闽菜，以契合消费者过年对家乡味的期待。"去年12月，我们就开始准备年夜 饭工作，今年包间很早就被订满了 ...

红色基因铸魂，金融报国立志；三十年薪火相传，"十五五"时代使命在肩。 党的二十届四中全会召开以来，光大证券积极贯彻落实党的二十届四中全会精神，制定学习宣传贯彻党 的二十届四中全会精神的工作方案，党委班子成员深入基层联系点，分层组织公司干部员工参加"学习 贯彻党的二十届四中全会精神集中轮训"，基层党组织依托"三会一课"、主题党日活动等开展780余次集 体研学，面向基层干部员工累计开展近260次集中宣讲活动。 独行快，而众行远，协同共生聚合力。赵陵表示，公司坚持均衡发展思路，聚焦提升核心竞争力，发展 保持良好韧性，经营业绩稳中有进；公司充分依托光大集团在综合金融、产融协同、跨境经营等方面的 特色优势，厚植"一个客户、一个光大、一体化服务"协同理念，"十四五"期间与光大银行重点区域分行 实现联合融资规模近千亿元。 ● 本报记者 林倩 回归金融服务实体经济本源 红色基因是光大证券的根与魂。作为中管金融系券商，红色底色是光大证券的重要政治优势，公司始终 坚持和加强党的全面领导，近年来经过两轮中央巡视、集团巡视及内外部审计洗礼，内部政治生态得到 净化，机制运行更加规范，严管氛围持续强化。 "2022年以来，光大证券始终践 ...

Core Viewpoint - The banking sector is experiencing a renewed wave of deposit acquisition strategies as the Spring Festival approaches, with many small and medium-sized banks raising deposit rates and introducing innovative products to attract customers, in response to the upcoming 2026 deposit maturity wave [1][4]. Group 1: Deposit Rate Adjustments - Several banks have raised their deposit rates, with some offering rates as high as 1.95% for three-year fixed deposits, reflecting a 10 basis point increase from previous rates [2]. - Banks are implementing differentiated adjustments for various term deposits, with increases ranging from 5 to 30 basis points depending on the amount and term [2]. - The trend of raising deposit rates is particularly pronounced among city commercial banks, rural commercial banks, and village banks, while larger state-owned banks maintain stable rates [4]. Group 2: Innovative Deposit Incentives - In addition to raising rates, banks are launching promotional activities such as offering gifts like rice, cooking oil, and shopping vouchers to attract depositors [3]. - A notable initiative includes a "Deposit for Travel Expenses" program, where depositors can receive reimbursements for travel costs when making fixed deposits above a certain amount [3]. Group 3: Asset Under Management (AUM) Focus - Some banks are shifting their focus from merely acquiring deposits to increasing their overall asset management scale (AUM) by offering incentives for customers to grow their financial assets [5]. - Programs that reward customers for increasing their average financial assets are being introduced, indicating a strategic pivot towards comprehensive wealth management [5]. Group 4: Future Deposit Trends - Analysts predict a significant wave of deposit maturities in 2026, with potential shifts in where these funds will be allocated, including a movement towards low-risk asset management products and possibly equities [6]. - The People's Bank of China notes that while there may be a perception of deposit "loss," these funds are likely to return to the banking system through various channels, including asset management products [7][8].

Core Viewpoint - The total dividend amount distributed by listed companies before the Spring Festival has exceeded the previous year, reaching a new high of 348.8 billion yuan, indicating a strong commitment to enhancing investor returns and satisfaction [1] Group 1: Dividend Distribution Overview - From December 2025 to January 2026, 235 listed companies on the Shanghai and Shenzhen stock exchanges distributed a total of 348.8 billion yuan in dividends before the Spring Festival, surpassing the 344.6 billion yuan from the previous year [1] - The financial and consumer sectors remain the primary contributors to dividend distributions, with banking companies alone distributing 243.4 billion yuan, accounting for nearly 70% of the total [1][2] Group 2: Industry-Specific Insights - Major banks, including China Merchants Bank and Industrial Bank, have joined the trend of pre-Spring Festival dividends, distributing a total of 37.5 billion yuan [2] - Leading consumer companies such as Kweichow Moutai, Wuliangye, and Haitian Flavoring & Food have collectively distributed 44.8 billion yuan in dividends, reflecting their commitment to enhancing intrinsic value and investor confidence [3] Group 3: Changes in Dividend Timing - The timing of dividend distributions has shifted earlier, with a total of 264.7 billion yuan distributed in December 2025, which is 3.7 times the amount from December 2024, and now accounting for over 70% of the total pre-Spring Festival dividends [4] - Major banks have also advanced their dividend payments to December 2025, with a combined total of 189.9 billion yuan [4] Group 4: Private Company Dividend Trends - The willingness of private listed companies to distribute dividends has significantly increased, with a total of 61.6 billion yuan distributed, representing a year-on-year growth of 130% and an increase in their share of total dividends from 8% to 18% [5] - Notable private companies such as Industrial Fulian, Gree Electric, and Yili have also initiated pre-Spring Festival dividends for the first time, distributing 6.6 billion yuan, 5.6 billion yuan, and 3 billion yuan respectively [5]

Core Viewpoint - The Chinese government has issued an implementation opinion to improve the national unified electricity market system, aiming for a market where all types of power sources and non-essential users participate directly by 2030, with market transactions accounting for approximately 70% of total electricity consumption [1][2]. Group 1: Optimization of Electricity Market System - The opinion proposes a transition from "individual pricing and trading" to "unified pricing and joint trading" across different market levels, exploring feasible ways for adjacent provincial markets to voluntarily unite or integrate [2]. - Specific requirements for the connection mechanisms between different market categories, including spot, medium to long-term, ancillary services, and capacity markets, have been outlined [2]. Group 2: Cross-Provincial and Cross-Regional Trading - The opinion emphasizes the normalization of cross-grid market transactions, increasing the scale of cross-provincial and cross-regional power transmission, and enhancing the proportion of clean energy delivery [2]. - It aims to promote nationwide interconnectivity of the electricity market and facilitate a large-scale circulation of electricity resources [2]. Group 3: Capacity Market and Renewable Energy Participation - The establishment of a capacity market is proposed to support coal power, pumped storage, and new energy storage resources in facilitating high proportions of renewable energy consumption [2]. - The opinion outlines differentiated market entry paths for various forms of renewable energy projects, including distributed energy and large-scale renewable bases, to better meet the needs of export-oriented and foreign-funded enterprises [2]. Group 4: Participation of Private Enterprises - Measures are proposed to encourage private enterprises, particularly in new energy storage, virtual power plants, and smart microgrids, to flexibly participate in market transactions [3]. - The opinion aims to gradually enable all electricity users, except for essential users, to participate directly in the electricity market, moving beyond the current model where small and medium-sized commercial users only accept market prices [3].

Group 1 - The resource sector has strengthened again, with multiple rare metal-themed ETFs rising over 3%, and mining, non-ferrous, gold, rare earth, and chemical ETFs generally increasing over 2% [1] - After significant gains, the film, media, and online consumption ETFs experienced a collective pullback, with the film ETF (159855) dropping nearly 6% [1] - AI application-related sectors saw a surge, with over 1.3 billion yuan net inflow into ETFs tracking the film and media indices on February 10 [1] Group 2 - Huatai Fund suggests gradually shifting focus to post-holiday market trends, emphasizing three main lines: AI hardware driven by overseas influences, high-end manufacturing in new energy and innovative pharmaceuticals, and domestic price increase chains in chemicals, building materials, and steel [2] - Fuguo Fund recommends focusing on sectors with high elasticity and growth potential, such as electronics, computers, and communications, which are sensitive to liquidity improvements and rising risk appetite [2]

盛秋平表示，各部门、各地区也将充分整合各领域优质消费资源，推出一批惠民举措。各地已经安排 20.5亿元资金，在9天假期内，通过发放消费券、补贴、红包等形式，直接惠及广大消费者。 谈及春节期间做好老百姓生活必需品市场供应，商务部市场运行和消费促进司司长杨沐表示，一方面， 强化货源组织；另一方面，加强储备调节。据商务大数据监测，节前全国生活必需品市场供需两旺，价 格总体平稳，2月9日全国重点连锁超市粮油、肉类、鸡蛋库存较上月同期均增加20%以上，蔬菜库存增 加7.7%。 "金融机构是'乐购新春'活动的重要参与者。金融监管总局引导金融机构优化资源配置，加强金融产品 和服务创新，聚焦消费重点领域和环节，提供高效、精准、便捷的金融服务，满足人民群众多样化的消 费金融需求。重点根据不同消费方式，提供有针对性的金融服务。"金融监管总局新闻发言人、政策研 究司司长郭武平说。 "下一步，金融监管总局将继续加强政策引领，鼓励金融机构加大消费领域资源投入，丰富消费金融产 品，提升消费金融服务质效，为更好发挥消费对经济发展的基础性作用提供有力支撑。"郭武平表示。 ● 本报记者王舒嫄 2月11日，国新办举行新闻发布会，介绍2026年" ...