Core Insights - The report by iResearch indicates that the monthly active users (MAU) of mobile banking apps in China have stabilized after fluctuating between 648 million and 739 million, signaling a ceiling in user growth and a shift from acquiring new users to enhancing existing user engagement [2] - User behavior is undergoing a structural reversal, with the effective daily usage time per device dropping from 4.9 minutes in 2023 to around 2.7 minutes by mid-2025, leading to a focus on high-frequency, short-duration, and functional usage [2] - Financial institutions are compelled to streamline operations and focus resources on core transaction scenarios to survive in this competitive landscape, where efficiency and precision are paramount [2] Mobile Banking Market Overview - The top three banks in terms of MAU are Agricultural Bank of China (2.49 billion), Industrial and Commercial Bank of China (1.94 billion), and China Construction Bank (1.09 billion), with all six major state-owned banks ranking in the top ten [3][5][6] - Private banks, represented by WeBank and MYbank, have faced significant setbacks, with many dropping out of the top 50 MAU rankings by 2025 [4] Competitive Landscape - State-owned banks are solidifying their dominance through extensive customer bases and integrated ecosystems, leveraging services embedded in high-frequency life scenarios such as government services and healthcare [7] - Joint-stock commercial banks are adopting a "specialized and precise" survival strategy, with China Merchants Bank leading among them with 71.85 million MAU, focusing on wealth management and intelligent interaction [8][10] - Regional banks are thriving by deeply engaging with local markets, while private banks struggle due to high customer acquisition costs and lack of local ecosystem support [13][14] Future Outlook - The mobile banking market is transitioning from a phase of scale expansion to one of value cultivation, with state-owned banks building moats through ecosystems, joint-stock banks seeking niches through specialization, and regional banks solidifying their local roots [14] - The ability to create irreplaceable value in a limited user engagement environment will be crucial, with technology applications such as AI reshaping service processes and enhancing risk management [15][16]

Group 1 - The core point of the article is that China Construction Bank has obtained a patent for a testing data processing method and system aimed at host systems, with the patent granted under announcement number CN115495356B and the application date being September 2022 [1] Group 2 - China Construction Bank, established in 2004 and located in Beijing, primarily engages in monetary financial services, with a registered capital of 26,160,038.1459 million RMB [1] - The bank has made investments in 37 companies and participated in 5,000 bidding projects, indicating its active role in the market [1] - In terms of intellectual property, the bank holds 1,890 trademark records and 5,000 patent records, along with 149 administrative licenses [1]

Group 1: Gold Market Prices - As of February 16, 2026, the domestic gold market shows a mixed trend with a real-time trading price of 1119 CNY per gram and a basic gold price set at 1125 CNY per gram [1] - The price range for jewelry brand gold products is between 1300-1579 CNY per gram, with major brands like Chow Tai Fook and Luk Fook uniformly priced at 1529 CNY per gram, while Lao Feng Xiang is slightly higher at 1548 CNY per gram [2] - The Shanghai Gold Exchange reports that the AuT D contract price is 1108.50 CNY per gram, down 1.47% from the previous day, and the Au9999 contract is at 1109.00 CNY per gram, with a decline of 1.20% [2] Group 2: Bank Gold Bar Pricing - Major banks are quoting investment gold bars in the range of 1121-1145 CNY per gram, with differences attributed to handling fees and brand premiums [4] - Among state-owned banks, Industrial and Commercial Bank of China is at 1143.43 CNY per gram, and China Construction Bank at 1141.30 CNY per gram, while joint-stock banks are slightly lower [5] - China Gold and Cai Bai Jewelry report prices of 1139 CNY per gram and 1137 CNY per gram respectively, while jewelry brands like Chow Tai Fook and Lao Feng Xiang have gold bar prices reaching 1342-1403 CNY per gram, exceeding bank channel prices [6] Group 3: Investment Case Studies - Investor Xue Di, with a strategy of gradual accumulation since 2023, turned an initial capital of 2.8 million CNY into over 5.6 million CNY by January 2026, emphasizing gold's value preservation [8] - In contrast, investor Shi Yue faced losses after buying at a high of 1200 CNY per gram, leading to an average cost of 1185.73 CNY per gram and a significant weekly loss [8] - Investor Tian Rui missed the opportunity to purchase gold at 553 CNY per gram in 2023, now facing much higher prices, highlighting the importance of timing in investment success [8] Group 4: Pricing Power Shift and Supply Variables - Since 2025, the pricing logic of gold has undergone structural changes, moving from a negative correlation with U.S. Treasury real interest rates to a new model influenced by global debt levels and central bank gold purchases [9] - In 2025, global gold demand reached a record high of 5002 tons, with central bank purchases of 863 tons stabilizing the market, indicating a shift in the pricing system towards a tripartite structure involving Asian demand, North American demand, and central bank purchases [9] - Supply dynamics are also changing, as seen in Ghana, where gold production reached a record 6 million ounces in 2025, with artisanal mining surpassing large commercial mines, indicating a surge in informal supply channels [10] Group 5: Consumer Awareness and Investment Strategies - Consumers are advised to be cautious of "one-price" gold products that may not clearly indicate weight, potentially leading to high per-gram prices upon resale [12] - For genuine investors, transparency is crucial, with institutions like China Construction Bank and Agricultural Bank of China offering gold bars at only a slight premium over market prices, making them preferable for risk-averse investments [12] - The strategic reserve demand from global central banks, alongside U.S. monetary policy expectations and geopolitical risk factors, supports high gold prices, emphasizing the distinction between jewelry and investment-grade gold [12]

每经编辑｜段炼 宋思艰 2月14日，中国人民银行公示两张合计约8601.04万元的行政处罚罚单，对象分别是中国建设银行股份有限公司和上海浦东发展银行股份有限公司。 | 序号 当事人名称 | | 行政处罚 | 违法行为类型 | 行政处罚内容 | 作出行政处罚 | 作出行政处罚 | 公示期限 备注 | | --- | --- | --- | --- | --- | --- | --- | --- | | | | 决定书文号 | | | 决定机关名称 | 决定日期 | | | | | | 1.违反账户管理规定; | | | | | | | | | 2.违反清算管理规定; | | | | | | | | | 3.违反银行卡收单业务管 | | | | | | | | | 理规定; | | | | | | | | | 4.违反反假货币业务管理 | | | | | | | | | 规定; | | | | | | | | | 5.占压财政存款或资金; | | | | | | | | | 6.违反信用信息采集、提 | | | | | | 上海浦东发 | | | 供、查询及相关管理规 | 警告,没收违法所得 | | | | | ...

上海浦东发展银行的处罚原因包括：违反账户管理规定；违反清算管理规定；违反银行卡收单业务管理规定；违反反假货币业务管理规定；占压财政存款 或资金；违反信用信息采集、提供、查询及相关管理规定；未按规定履行客户身份识别义务；未按规定保存客户身份资料和交易记录；未按规定报送大额 交易报告或者可疑交易报告；与身份不明的客户进行交易等十项违法行为。 浦发银行被警告并没收违法所得27.545608万元，罚款4222.89万元。 2月14日，中国人民银行公示两张合计约8601.04万元的行政处罚罚单，对象分别是中国建设银行股份有限公司和上海浦东发展银行股份有限公司。 据央行官网披露的行政处罚公示，中国建设银行的处罚原因包括：违反账户管理规定；违反特约商户管理规定；违反人民币流通管理规定；违反反假货币 业务管理规定；占压财政存款或资金；违反信用信息采集、提供、查询及相关管理规定；未按规定履行客户身份识别义务；未按规定保存客户身份资料和 交易记录；未按规定报送大额交易报告或者可疑交易报告；与身份不明的客户进行交易等违法行为。 建行被警告并没收违法所得55.097567万元，罚款4295.51万元，合计罚没4350.607567万 ...

2月14日，中国人民银行披露的行政处罚信息显示，建设银行因存在以下违法行为类型：1.违反账户管理规定；2.违反 特约商户管理规定；3.违反人民币流通管理规定；4.违反反假货币业务管理规定；5.占压财政存款或资金；6.违反信用 信息采集、提供、查询及相关管理规定；7.未按规定履行客户身份识别义务；8.未按规定保存客户身份资料和交易记 录；9.未按规定报送大额交易报告或者可疑交易报告；10.与身份不明的客户进行交易，被警告，没收违法所得 55.097567万元，罚款4295.51万元，合计罚没4350.607567万元，作出行政处罚决定日期2026年2月12日。 （中国人民银行） 同时，因对上述违法行为负有责任，李某（建设银行个人金融部）被警告，罚款15万元；房某明（建设银行结算与现 金管理部）、卢某彬（建设银行结算与现金管理部）、陈某（建设银行信用卡中心）、廖某新（建设银行北京市分行 现金服务中心）被警告，并分别罚款10万元；梁某（建设银行普惠金融事业部）、熊某（建设银行网络金融部）均被 罚款7万元；牛某（建设银行个人金融部））被罚款5.5万元；肖某（建设银行武汉数据中心）、韩某（建设银行信用 卡中心）、王某（ ...

Core Viewpoint - The People's Bank of China has issued administrative penalties totaling approximately 86.01 million yuan against China Construction Bank and Shanghai Pudong Development Bank for various regulatory violations [1][3]. Group 1: China Construction Bank - China Construction Bank was penalized for multiple violations, including breaches of account management regulations, merchant management regulations, and anti-counterfeit currency management regulations [3][5]. - The total penalty for China Construction Bank includes a warning, confiscation of illegal gains amounting to 550,975.67 yuan, and a fine of 42,955,100 yuan, resulting in a total of 43,506,075.67 yuan [3][5]. - A total of 21 responsible individuals from China Construction Bank were fined 1,205,000 yuan collectively [9]. Group 2: Shanghai Pudong Development Bank - Shanghai Pudong Development Bank faced penalties for similar violations, including breaches of account management regulations, clearing management regulations, and anti-counterfeit currency management regulations [3][6]. - The total penalty for Shanghai Pudong Development Bank includes a warning, confiscation of illegal gains amounting to 275,456.08 yuan, and a fine of 42,228,900 yuan, leading to a total of 42,504,356.08 yuan [6][8]. - Nine responsible individuals from Shanghai Pudong Development Bank were fined a total of 755,000 yuan [9].

Core Viewpoint - The People's Bank of China has imposed administrative penalties totaling approximately 86.01 million yuan on China Construction Bank and Shanghai Pudong Development Bank for various regulatory violations [1] Group 1: Penalties on China Construction Bank - China Construction Bank was fined a total of 43.51 million yuan, which includes a warning and the confiscation of illegal gains amounting to 0.55097567 million yuan [1] - The violations include breaches of account management regulations, merchant management regulations, currency circulation management, anti-counterfeit currency business management, and failure to fulfill customer identity verification obligations [1] - A total of 21 responsible individuals from China Construction Bank were penalized, amounting to 1.205 million yuan in fines [1] Group 2: Penalties on Shanghai Pudong Development Bank - Shanghai Pudong Development Bank faced a total fine of 42.22 million yuan, including a warning and the confiscation of illegal gains of 0.27545608 million yuan [1] - The bank's violations are similar to those of China Construction Bank, including breaches of account management, clearing management, and anti-counterfeit currency business regulations [1] - Nine employees from Shanghai Pudong Development Bank were also penalized, totaling 0.755 million yuan in fines [1]

【文/羽扇观金工作室】 2月14日，中国人民银行公示行政处罚信息，中国建设银行（下称"建行"）及21名责任人集体被罚，处 罚于2月12日作出，公示期五年。作为国有大行，建行此次罚没合计4350.61万元，责任人罚款总额 120.50万元。 央行官网 从罚单细节来看，该行因存在十大类违法违规行为遭从严惩戒，具体包括1.违反账户管理规定；2.违反 清算管理规定；3.违反银行卡收单业务管理规定；4.违反反假货币业务管理规定；5.占压财政存款或资 金；6.违反信用信息采集、提供、查询及相关管理规定；7.未按规定履行客户身份识别义务；8.未按规 定保存客户身份资料和交易记录；9.未按规定报送大额交易报告或者可疑交易报告；10.与身份不明的客 户进行交易。 此次处罚严格落实"双罚制"，21名核心岗位责任人同步被罚，覆盖建行多关键部门及建信金融科技相关 岗位，形成"机构+个人"双重惩戒，契合监管"双罚常态化"趋势。 个人追责中，罚款区间1.00万元至15.00万元。其中个人金融部李某被罚15.00万元，为最高；另有4名责 任人各被罚10.00万元，分别涉及账户管理、反假货币等违规。其余责任人罚款从1.00万元至7.00万元 ...

为激活空间价值、破解发展难题，2月14日，上海市规划和自然资源局、中国建设银行上海分行在复兴 岛签署了一份战略合作协议，开启合作新篇章。双方将在自然资源高质量盘整利用、面向未来的产业创 新发展、量子城市空间智能创新建设三大领域12个方面开展合作。 当前，上海正处于从增量扩张向存量提质转型的关键阶段，面临着存量提质增效与增量精准供给、生态 环境保护刚性与城市发展韧性等多重考验。"存量盘活融资难"、"产业要素匹配难"等问题，日益成为制 约超大城市可持续发展、高效提质转型的典型因素。 责编: 李鹏 目前，市规资部门已与中国建设银行上海分行建立数据联动机制，形成安全合规的数据对接方案。下一 步，将在智能感知、楼宇监测、数字房本、便民服务等领域打造示范应用场景。 看看新闻记者: 张羽飞 未来，上海存量低效用地盘活、生态场景营造等领域将有望引入更多元、更精准的金融支持工具。在这 些领域中，政府、市场主体和商业银行之间的信息、数据共享也将进一步被深化。市场主体的融资渠道 将会被有效拓宽。 编辑: 张羽飞 摄像: 吴佳亮 ...