Core Insights - The strategic emerging industries are experiencing high growth across various regions in China, with some areas seeing total asset scales exceeding one trillion yuan, supported by increased credit investments from banking institutions [1] Group 1: Credit Investment in Strategic Emerging Industries - Fujian Automotive Industry Group received a one billion yuan strategic emerging loan from China CITIC Bank in just five working days, highlighting the bank's commitment to supporting innovation in the automotive sector [2] - As of November 2025, China CITIC Bank's technology finance loan balance reached 42.79 billion yuan, serving over 9,000 technology enterprises [2] - Agricultural Bank of China reported a 116.85% increase in strategic emerging industry loans, amounting to a growth of 32.6 billion yuan by September 2025, significantly outpacing the average loan growth rate [4] Group 2: Growth in Strategic Emerging Industries - The strategic emerging industries accounted for over 25% of the industrial added value in Henan Province, with significant contributions from advanced equipment, electronic information, and new energy vehicles [5] - Gansu Province's strategic emerging industries achieved revenue of 108.29 billion yuan in 2025, marking a 38.8% year-on-year growth and surpassing the one hundred billion yuan milestone for the first time [6] - Hebei Province's strategic emerging industries saw an 11.0% increase in added value, outpacing the overall industrial growth rate by 3.1 percentage points [7] Group 3: Bank Strategies and Industry Focus - Major banks are focusing on key sectors such as new generation information technology, biomedicine, and high-end equipment to support the development of strategic emerging industries [3] - The growth rate of loans in the strategic emerging industries is reported to be over 20%, significantly exceeding the average growth rate of bank credit [8]

Group 1: Quantum Computing Breakthrough - The Shenzhen International Quantum Research Institute's He Yu research team achieved a significant breakthrough in silicon-based quantum computing, demonstrating quantum error detection compatible with fault-tolerant quantum computing architecture [1] Group 2: AI Model Development - Alibaba launched its flagship reasoning model Qwen3-Max-Thinking, which has surpassed several top models in performance, including GPT-5.2 and Gemini 3 Pro, setting new global records [3] Group 3: Financial Initiatives - The Ministry of Finance and other departments announced a 500 billion yuan special guarantee plan to support private investment, aimed at enhancing enterprise production and consumption upgrades [5] Group 4: Steel Production Statistics - In mid-January 2026, key steel enterprises produced 19.79 million tons of crude steel, with a daily average of 1.979 million tons, reflecting a 0.9% decrease from the previous period [6] Group 5: Federal Reserve Interest Rate Expectations - The probability of the Federal Reserve maintaining interest rates unchanged this week is 97.2%, with a 2.8% chance of a 25 basis point cut [8] Group 6: Infrastructure Funding in Tanzania - The Tanzanian government plans to sell part of its gold reserves to fund infrastructure projects, with a large liquefied natural gas project valued at $42 billion expected to be signed by June [9] Group 7: AI Chip Development - Microsoft introduced its second-generation AI chip, Maia 200, aiming to reduce reliance on Nvidia hardware, with deployment in data centers underway [11] Group 8: Microgrid Investment Needs - Major solar microgrid companies estimate a need for $46 billion in investment to achieve electrification goals in 29 African countries by 2030, requiring a mix of debt financing, equity investment, and grants [13]

（来源：辽宁日报） 转自：辽宁日报 本报讯 近日，农业银行鞍山台安支行联合台安县财政局、台安县金融监管局、西佛镇政府及多家金融 机构，在台安县西佛镇农贸市场开展以"送防知识 赶百场平安大集"为主题的防范非法集资暨平安建设 知识宣传活动，将金融知识精准送到群众家门口。 活动当日，台安支行宣传团队成员采取"发放资料+现场讲解+案例剖析"方式，向过往群众递上宣传材 料，一对一解答群众疑问。针对乡镇中老年群体金融知识薄弱特点，工作人员重点围绕电信网络诈骗的 常见手段、非法买卖银行卡的法律后果等内容展开讲解，手把手教群众识别虚假理财广告、保护银行卡 信息、正确应对陌生来电等实用方法。 此次活动累计发放宣传材料300余份，覆盖人群超1000人次，补齐了乡村地区金融知识薄弱短板。 孙一铭 郑馨 ...

Core Viewpoint - The continuous decline in operating loan interest rates is driven by multiple factors, including policy guidance, market competition, and reduced funding costs, leading banks to focus on lending to quality small and micro enterprises [1][4]. Group 1: Loan Interest Rates - Several banks have reduced their operating loan interest rates, with some as low as 2.31%, a decrease of nearly 20 basis points from the previous month [1][2]. - The lowest rates for collateralized operating loans are reported between 2.31% and 2.55%, with some products potentially offering effective rates in the "1s" due to interest subsidies [2][4]. - The interest rate for first-time borrowers among small and micro enterprises can be reduced to the "1s" range due to a fiscal interest subsidy of 1% for the first year [2][3]. Group 2: Policy and Market Environment - The fiscal interest subsidy policy has been extended to the end of 2026, increasing the loan cap for eligible enterprises from 1 million to 10 million yuan [3]. - The subsidy now covers 11 sectors, including newly added digital, green, and retail consumption areas, alongside traditional sectors like hospitality and entertainment [3]. Group 3: Competition Among Banks - The competition for quality clients has intensified, with banks requiring higher standards for collateral, such as property location and age [5][7]. - Smaller banks are focusing on differentiating their client base and may offer lower rates or higher loan amounts to attract clients that do not meet the criteria of larger banks [7][8]. - The pressure to lower rates may lead to a compromise in risk management, with some banks potentially relaxing their standards to maintain competitiveness [7][8]. Group 4: Strategic Recommendations - Banks are encouraged to adopt differentiated pricing based on client creditworthiness and operational status, leveraging digital technology for risk control [8]. - There is a need for banks to diversify their business structure, focusing on wealth management and payment services to reduce reliance on net interest margins [8]. - Strengthening self-regulation and avoiding irrational price competition are essential for maintaining a balance between supporting the real economy and ensuring sustainable operations [8].

Fund Overview - The fund is named "Fullgoal Value Return Mixed Securities Investment Fund" and is classified as a mixed securities investment fund [12] - The fund will be publicly offered from February 4, 2026, to March 3, 2026, with the possibility of adjusting the fundraising period based on subscription conditions [15][18] - The minimum total subscription amount for the fund is set at 200 million units, equivalent to 200 million RMB [16] Subscription Details - The minimum subscription amount for individual investors is 10 RMB, while the minimum for direct sales is 50,000 RMB for the first subscription and 20,000 RMB for additional subscriptions [19][3] - Investors can subscribe multiple times during the fundraising period, and subscriptions through direct sales do not incur subscription fees [19][22] - The fund's subscription fee structure varies, with A class shares having fees when subscribed through distribution agencies, while C class shares do not incur any subscription fees [22][31] Sales Institutions - The fund is managed by Fullgoal Fund Management Co., Ltd., with China Agricultural Bank serving as the fund custodian [50][51] - Direct sales can be conducted through the company's direct sales center located in Shanghai, while distribution can also occur through China Agricultural Bank [13][52] Investor Requirements - Investors must open a fund account with the management company to subscribe, and only one account per investor is allowed [2][6] - Personal investors must provide valid identification and complete necessary forms when subscribing [35][36] Fund Management and Fees - The fund employs a floating management fee model, which may vary based on the holding period and annualized return [10] - The fund's net asset value may fluctuate due to market volatility, and past performance does not guarantee future results [9][15]

Group 1 - The Ministry of Finance and three other departments have jointly issued a notice regarding the implementation of a special guarantee plan for private investment, introducing a special guarantee quota of 500 billion yuan for a duration of two years [1] - The plan aims to support the upgrading and transformation needs of enterprises in production operations and consumption sectors [1]

Core Viewpoint - The financial services industry is evolving from meeting individual needs to supporting the entire growth cycle of families, with Agricultural Bank of China launching the "Leisure Family Card" to promote a comprehensive financial ecosystem centered around families [1][3]. Group 1: Industry Insights - Retail finance is shifting from competition for traffic to deepening customer engagement, with families being the core node connecting various consumption, education, health, and retirement scenarios [3]. - Traditional financial products often fail to integrate individual and family relationships, leading Agricultural Bank to break this limitation with the Leisure Family Card as a new service model [3]. Group 2: Leisure Family Card Innovations - The Leisure Family Card promotes inclusive finance by offering packages for couples and families, along with a points-sharing feature that allows cardholders to share points with family members, enhancing resource integration [4]. - It constructs a new industry model of "finance + lifestyle," covering travel, health, and consumption, and collaborates with quality partners to create an open benefits platform [4]. - Data intelligence drives deep customer engagement by analyzing family consumption behaviors, providing a more comprehensive customer profile to enhance service precision [4]. Group 3: Future Industry Collaboration - Family finance is an emerging blue ocean market that requires industry consensus and standards for healthy development, with Agricultural Bank's Leisure Family Card serving as a practical example to promote service standardization [5]. - The deeper value of financial services lies not only in transaction efficiency but also in the ongoing support for family stability and growth, making the Leisure Family Card a significant attempt in a niche market [5].

【导读】农业银行对个人积存金业务增加风险承受能力测评准入 中国基金报记者 忆山 继工行之后，又一家国有大行调整个人积存金业务准入门槛。 1月26日，农业银行发布《关于存金通黄金积存业务增加风险承受能力测评要求的公告》，宣布自1月30 日起，取得谨慎型及以上评估结果的个人投资者方可办理积存金业务。 二、已签约客户的卖出、提货，有效期内定投计划的执行和终止，以及解约等操作，不受上述条件的限 制。 三、建议客户提高风险防范意识，基于自身财务状况和风险承受能力理性办理存金通黄金积存业务。 此前，个人客户在农业银行办理存金通黄金积存业务时，并无强制风险评估的要求。最新公告的落地， 意味着该行积极响应监管要求，强化投资者适当性管理。 多家上调准入门槛 目前来看，国有大行对个人客户积存金业务普遍设置了风险承受能力准入等级门槛。 其中，工商银行自2026年1月12日起，要求C3（平衡型）及以上的个人客户方可办理积存金业务，成为 开年以来首家提高个人积存金业务准入门槛的国有大行。 增加风险承受能力测评准入 农业银行表示，为落实监管要求，进一步保护金融消费者权益，该行将对个人客户参与存金通黄金积存 交易增加风险承受能力测评准入。 ...

2026.01.26 本文字数：804，阅读时长大约2分钟 作者 |第一财经 亓宁 封图 |AI生成 国际金价不断刷新历史新高，现货价格和期货价格先后突破5000美元/盎司、5100美元/盎司关口，部分 机构仍在上调目标价。在此背景下，银行已开始出手控风险。 1月26日午后，农业银行发布公告，宣布存金通业务将新增风险承受能力测评。 上述公告显示，为落实监管要求，进一步保护金融消费者权益，农业银行将对个人客户参与存金通黄金 积存交易增加风险承受能力测评准入条件。 具体来看，自2026年1月30日起，个人客户办理存金通黄金积存业务（包括存金通1号、2号）签约、买 入、定投3类业务时，需在业务申请办理渠道，按农行统一的风险测评问卷进行风险承受能力评估、取 得谨慎型及以上的评估结果，已有前述评估结果且在有效期内的无需重测。 另外，已签约客户的卖出、提货，有效期内定投计划的执行和终止，以及解约等操作，不受上述条件的 限制。 第一财经记者从农业银行客服人员处了解到，按照此前要求，客户办理存金通业务须凭有效身份证件及 借记卡（附属卡除外）至一级分行辖内营业的网点开立贵金属账户，同一客户在农业银行只允许开立一 个贵金属账户， ...

2026.01. 26 本文字数：804，阅读时长大约2分钟 上述公告显示，为落实监管要求，进一步保护金融消费者权益，农业银行将对个人客户参与存金通黄金积存 交易增加风险承受能力测评准入条件。 具体来看，自2026年1月30日起，个人客户办理存金通黄金积存业务（包括存金通1号、2号）签约、买 入、定投3类业务时，需在业务申请办理渠道，按农行统一的风险测评问卷进行风险承受能力评估、取得谨 慎型及以上的评估结果，已有前述评估结果且在有效期内的无需重测。 另外，已签约客户的卖出、提货，有效期内定投计划的执行和终止，以及解约等操作，不受上述条件的限 制。 第一财经记者从农业银行客服人员处了解到，按照此前要求，客户办理存金通业务须凭有效身份证件及借记 卡（附属卡除外）至一级分行辖内营业的网点开立贵金属账户，同一客户在农业银行只允许开立一个贵金属 账户，免收开户费。 农业银行提示客户提高风险防范意识，基于自身财务状况和风险承受能力理性办理存金通黄金积存业务。 官方介绍显示，存金通业务指客户通过农业银行借记卡开立贵金属账户，按照该行实时贵金属报价购买"传 世之宝"贵金属投资产品，购买数量实时计入客户贵金属账户。存金通业务是 ...