四、2月1日0:10至0:20、1:30至1:40，中国农业银行生活-校园系统智慧校园总行版K12和高校等交易将 各出现1次暂停服务现象，每次影响时长约10分钟。届时全国总行版K12的缴费账单和总行高校校园卡 支付等交易将受影响。 敬请您妥善安排业务办理时间。由此给您带来的不便，中国农业银行深表歉意，并将尽快恢复对您的服 务。如需帮助，请拨打中国农业银行客户服务热线：95599。 一、1月30日23:00至23:15、1月31日23:15至23:30，中国农业银行生产农行钱包数币消费及收单场景相 关交易将各出现1次暂停服务现象，每次影响时长10分钟以内。 二、1月31日23:00至2月1日2:00，中国农业银行信用卡微信小程序申请总账分期、账单分期、消费分 期、随e分将出现2暂停服务现象，每次影响时长5分钟以内。 三、2月1日0:00至1:30，中国农业银行个人掌银消息中心、企业掌银消息中心、营销Pad信令传输等将 出现2次暂停服务现象，每次影响时长15分钟以内。 2026年1月29日，中国农业银行（601288）发布公告称，为了提供更便捷、高效的服务，中国农业银行 拟于近期实施生产系统维护，预计影响情况如下 ...

要始终把服务"三农"作为重中之重，全力支持乡村全面振兴和城乡融合发展。专注主责主业，持续 向县域农村倾斜金融资源。加大粮食全产业链、宜居宜业和美乡村建设、乡村特色产业等重点领域信贷 投放，高质量推进农户金融服务。建立健全常态化金融帮扶工作机制，助力守牢不发生规模性返贫致贫 底线。 要加大重点领域融资供给，助力巩固拓展经济稳中向好势头。坚持投资于物与投资于人紧密结合， 持续加大"两重""两新"和民生、消费等领域金融支持。进一步做优金融"五篇大文章"，完善科技金融服 务体系，全力支持现代化产业体系建设和新质生产力发展。 要有力有序有效防范化解风险，守牢高质量发展的安全底线。积极稳妥化解地方政府债务、房地产 等重点领域信用风险，持续抓好普惠零售贷款风险防控，始终保持资产质量优良。增强科技安全韧性， 提升新型风险防范化解能力。 1月28日，农业银行2026年党建和经营工作会议在京召开。农业银行党委书记、董事长谷澍就2026 年党建和经营工作作了讲话，党委副书记、行长王志恒主持会议并对2026年业务经营作具体安排。 会议强调，2026年是"十五五"开局之年，要深入学习贯彻党的二十届四中全会精神，全面深刻准确 领会和把握 ...

Core Viewpoint - Multiple banks are targeting the year-end bonuses of workers by launching exclusive financial products and promotional activities to attract customers [2][5][10]. Group 1: Year-End Bonus Financial Products - Several banks, including Postal Savings Bank, Bank of Communications, and China Merchants Bank, have introduced dedicated sections in their mobile banking apps for year-end bonus financial products [5][6][7]. - For example, Postal Savings Bank offers products like "Daily Earnings" with a maximum annualized rate of 1.52% and a low-risk product with an annualized rate of 4.28% [6]. - China Merchants Bank has a "Year-End Bonus" section that includes tasks for customers to unlock rewards, specifically targeting customers with salary accounts [7]. Group 2: Asset Allocation Strategies - Some banks are providing asset allocation strategies for year-end bonuses, suggesting a breakdown of funds into categories such as daily expenses, safety nets, stable investments, and growth investments [8]. - For instance, the Guangdong branch of China Construction Bank recommends allocating 10%-20% for daily expenses, 5%-10% for safety, 40%-60% for stable investments, and 10%-20% for growth [8]. Group 3: Market Trends and Data - As of the end of 2025, the total scale of the bank wealth management market reached 33.29 trillion yuan, an increase of 11.15% from the beginning of the year, with the number of investors growing by 14.37% [12][13]. - The report indicates that low-risk and medium-low-risk products dominate the market, with 95.73% of the total wealth management products falling into these categories [14]. - In 2025, wealth management products generated a total return of 730.3 billion yuan for investors, with an average yield of 1.98% [14].

Core Insights - The price of spot gold has surged, breaking the $5,500 per ounce mark, continuing its upward trend [2] - Banks are adjusting their gold accumulation business, with some lowering interest rates to 0% for demand deposits and increasing minimum investment amounts [3][4] - Experts emphasize that gold should be viewed as a risk hedge rather than a speculative investment tool [6] Summary by Category Gold Price Movement - As of January 29, 2026, spot gold reached a peak of $5,598.75 per ounce, marking a significant increase of nearly 30% since the beginning of the year [5][6] - The price has consistently broken through key levels, including $5,000, $5,100, $5,200, $5,300, and $5,400 in a short span [5] Bank Adjustments - Ningbo Bank announced changes to its gold accumulation product interest rates, with demand deposit rates dropping to 0% and various term rates adjusted [3] - Ping An Bank also revised its rates, with demand deposit rates set at 0.01% and term deposits adjusted accordingly [4] - Other banks, including Agricultural Bank and Industrial and Commercial Bank, have implemented similar measures, requiring risk assessment for clients engaging in gold accumulation [5] Investment Guidance - Experts advise that gold should serve as a "ballast" and "insurance" in asset allocation, primarily to hedge against extreme risks and stabilize overall portfolio volatility [6] - New investors are cautioned against treating gold as a means for quick wealth accumulation and are encouraged to adopt a disciplined investment approach, such as regular fixed investments [6]

Group 1 - The core viewpoint of the article emphasizes the strategic focus of China's major state-owned banks on enhancing their business strengths and aligning with national strategies for economic growth and risk management [1][5][7] - The Bank of China highlighted the importance of high-quality development through a correct performance outlook, global advantages, and effective risk management [3][10] - Agricultural Bank of China stressed its commitment to supporting rural revitalization and urban-rural integration by directing financial resources towards key areas such as agriculture and rural development [3][6] Group 2 - China Construction Bank aims to enhance collaborative efforts across various banking sectors, focusing on technology-driven financial services and supporting national technological independence [4][7] - Industrial and Commercial Bank of China emphasized the integration of investments in both physical and human capital, with a focus on expanding domestic demand and supporting small and medium enterprises [6][11] - All four major banks underscored the role of technology in risk prevention and management, with specific strategies to address credit risks and enhance overall asset quality [9][10][11] Group 3 - The banks are committed to implementing intelligent risk control systems to proactively identify and manage risks, ensuring stability in asset quality [8][11][12] - The emphasis on supporting national strategies and expanding domestic demand is a common theme across the banks, reflecting a unified approach to economic development [5][6][7] - The focus on enhancing financial services for rural areas and integrating urban and rural development is a priority for Agricultural Bank of China, aligning with broader national goals [3][4][6]

来源：中国农业银行 1月28日，农业银行2026年党建和经营工作会议在京召开。会议以习近平新时代中国特色社会主义思想 为指导，全面贯彻党的二十届四中全会、二十届中央纪委五次全会、中央经济工作会议、中央农村工作 会议精神，深刻学习领会习近平总书记在省部级主要领导干部专题研讨班开班式上的重要讲话精神，落 实全国金融系统工作会议部署，总结2025年工作，部署2026年重点任务。党委书记、董事长谷澍就2026 年党建和经营工作作了讲话，党委副书记、行长王志恒主持会议并对2026年业务经营作具体安排。农业 银行党委成员，董事会和高管层成员出席会议。 会议认为，2025年是很不平凡的一年。全行认真贯彻党中央、国务院各项决策部署，牢牢把握"防风 险、促高质量发展"工作主线，统筹推进党的建设、金融服务和业务经营，各项目标任务顺利完成，高 质量发展迈出新的步伐。 ——全面从严治党持续向纵深推进。严格落实"第一议题"制度，深入学习宣传贯彻党的二十届四中全会 精神，党的政治建设不断加强。扎实推进中央巡视整改，认真开展深入贯彻中央八项规定精神学习教 育，深入推进风腐同查同治，营造了风清气正的政治生态。下沉党建工作重心，加强干部人才队 ...

Core Insights - Agricultural Bank of China (ABC) is actively supporting small and micro enterprises in Huai'an to ensure stable supply during the festive season, providing timely financial assistance to meet increased demand [1][2][3][4] Group 1: Financial Support to Small Businesses - ABC provided a loan of 2 million yuan to Jiangsu Huai'an Caikuo Food Co., Ltd. to help secure inventory for the busy sales season [1] - Jiangsu Feng'an Catering Service Company received 6 million yuan in credit support from ABC to prepare for the peak demand for catering services during the New Year [2] Group 2: Market Engagement and Service Initiatives - ABC established youth and party member teams to engage with local markets, understanding customer needs and promoting financial services tailored to small businesses [3] - The bank implemented a green channel for small businesses to facilitate financing, utilizing preferential policies to enhance approval efficiency and meet diverse financing needs during the festive period [3] Group 3: Financial Performance and Impact - In just 20 days of the New Year, ABC disbursed inclusive financial loans to 2,814 clients, totaling 1.565 billion yuan [4] - ABC aims to enhance the accessibility of inclusive finance, supporting the integration of production, supply, and sales, and driving the "Spring Festival economy" [4]

一、活动时间：2026年1月1日至2026年4月30日(每日9点至24点) 二、活动对象： 农行信用卡(单位卡、准贷记卡、EMV卡：Visa、万事达品牌仅支持境外支付的卡、汽车/教育分期等专 用卡除外，下同)持卡人 三、活动内容 活动期间，农行信用卡持卡人(以下简称"持卡人")首次在拼多多APP或中国农业银行APP通过多多钱包 (多多支付，下同)绑定农行信用卡，即有机会获得5元立减权益。立减权益自获得之时起有效期7天(7*24 小时)，持卡人在拼多多APP消费且单笔订单农行信用卡应付满5.01元(含)时可使用。活动期间同一持卡 人仅限参与一次，活动名额有限，用完即止。 ...

前段时间，G5515张南高速湖南张家界至湘西州段正式通车，标志着张南高速全线贯通，湘鄂渝川 四省市串联，武陵山片区交通格局被重塑。农业银行桑植县支行为这条起始于张家界桑植县、串联张南 高速与龙吉高速的交通干线投放信贷支持资金5.5亿元。该项目建成后将桑植县至龙山县的车程从2.5小 时缩短至40分钟，湘鄂渝交界地区"一小时交通圈"有望尽快建成，拥有丰富红色文化与生态资源的桑植 县加速融入张家界旅游经济圈，为沿线发展注入新动力。 责任编辑：杨喜亭 与此同时，毗邻天子山核心景区的白石溪凭借"武陵源后花园"的美誉，正成为张家界旅游体系的重 要补充。当地旅游公司采用"公司+村集体"合作方式打造的旅游品牌，备受游客青睐。项目建设中期， 面对无担保融资难的问题，农业银行桑植县支行为其提供了200万元"潇湘财银贷"支持，以"财银合作 +风险共担"模式助力景区完成基础设施升级，包括修建安全步道、完善游客服务中心并开发了溪边露 营、悬崖鸟巢、苗族文化演绎、土家族摆手舞等特色项目，让游客在领略核心景区壮美之余，还能享受 别样的山水、文化体验。据统计，该景区自2025年开业以来已接待游客5.7万人次，日均接待量约1300 人，单日最 ...

Core Viewpoint - The new policy on credit card installment interest subsidies aims to enhance consumer spending by including credit card bill installment services in the subsidy scope, thereby reducing the financial burden on consumers and stimulating consumption potential [1][4]. Group 1: Policy Implementation - The Ministry of Finance, the People's Bank of China, and the National Financial Regulatory Administration issued a notification that includes credit card bill installment services in the subsidy scope with a uniform annual subsidy rate of 1% [1]. - Major state-owned banks and some joint-stock banks have quickly responded by releasing implementation details, simplifying processes, and enhancing risk control measures to ensure effective policy execution [2][3]. - The policy reflects a strong public demand for support in consumer financing, aligning with the principle of "people-centered" policy design [2]. Group 2: Consumer Benefits - The subsidy allows consumers to save approximately 270 yuan in interest over a year when using a 50,000 yuan credit card bill divided into 12 installments [4]. - The policy is expected to significantly alleviate financial pressure on large purchases such as home appliances, cars, and education, thus converting latent consumer demand into actual purchasing behavior [4][5]. - The annual cap for total subsidies has been raised to 3,000 yuan per borrower, with the removal of previous limits on single transaction subsidies [5]. Group 3: Bank Responses and Services - Six major banks have clarified that existing customers with signed agreements will automatically benefit from the new policy without needing to re-sign [2]. - Banks like Agricultural Bank and Postal Savings Bank have outlined the steps for new customers to apply for the credit card installment interest subsidy, emphasizing a simplified process [2][3]. - The banks have committed to not charging any fees for processing the subsidy applications, ensuring a cost-free experience for consumers [8]. Group 4: Market Impact and Growth Potential - The policy is anticipated to drive growth in credit card installment services, especially as consumer awareness increases leading up to the Spring Festival [6]. - Smaller financial institutions are also preparing to implement similar measures, which will help extend the benefits to lower-tier cities and meet diverse consumer needs [6]. - The inclusion of credit card installments in the subsidy program is seen as a crucial step in supporting consumption expansion and improving the quality of financial services [7].