国家知识产权局信息显示，中国工商银行股份有限公司取得一项名为"业务数据的存储方法、装置、设 备及存储介质"的专利，授权公告号CN117056311B，申请日期为2023年8月。 天眼查资料显示，中国工商银行股份有限公司，成立于1985年，位于北京市，是一家以从事货币金融服 务为主的企业。企业注册资本35640625.7089万人民币。通过天眼查大数据分析，中国工商银行股份有 限公司共对外投资了28家企业，参与招投标项目5000次，财产线索方面有商标信息965条，专利信息 5000条，此外企业还拥有行政许可79个。 声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 来源：市场资讯 工银科技有限公司，成立于2019年，位于石家庄市，是一家以从事软件和信息技术服务业为主的企业。 企业注册资本90000万人民币。通过天眼查大数据分析，工银科技有限公司共对外投资了2家企业，参与 招投标项目349次，专利信息801条。 ...

国家知识产权局信息显示，中国工商银行股份有限公司取得一项名为"基于动态组网的区块链的业务交 易、区块链的动态组网方法及装置"的专利，授权公告号CN118233464B，申请日期为2024年3月。 来源：市场资讯 天眼查资料显示，中国工商银行股份有限公司，成立于1985年，位于北京市，是一家以从事货币金融服 务为主的企业。企业注册资本35640625.7089万人民币。通过天眼查大数据分析，中国工商银行股份有 限公司共对外投资了28家企业，参与招投标项目5000次，财产线索方面有商标信息965条，专利信息 5000条，此外企业还拥有行政许可79个。 声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 ...

Group 1 - The core point of the article is that the Industrial and Commercial Bank of China (ICBC) has obtained a patent for a data processing method, system, device, medium, and product between different framework servers, with the patent announcement number CN119676288B and an application date of December 2024 [1] - ICBC was established in 1985 and is located in Beijing, primarily engaged in monetary financial services [1] - The registered capital of ICBC is approximately 35.64 billion RMB [1] Group 2 - According to data analysis from Tianyancha, ICBC has invested in 28 enterprises and participated in 5,000 bidding projects [1] - The bank has 965 trademark information entries and 5,000 patent information entries, along with 79 administrative licenses [1]

三、中国工商银行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固树立风险 合规意识，熟悉任职岗位职责，忠实勤勉履职。 2026年2月11日，国家金融监督管理总局天水监管分局发布批复称，《中国工商银行（601398）股份有 限公司甘肃省分行关于宋涛拟任天水分行行长任职资格核准的请示》（工银甘报〔2026〕20号）收悉。 根据《中国银保监会中资商业银行行政许可事项实施办法》（中国银保监会令2022年第5号）等有关规 定，经审核，现批复如下： 一、核准宋涛中国工商银行股份有限公司天水分行行长任职资格。 二、中国工商银行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自中国工商银行 政许可决定作出之日起3个月内到任，并按要求及时报告到任情况。未在上述规定期限内到任的，本批 复文件失效，由决定机关办理行政许可注销手续。 ...

Core Insights - The Hong Kong stock market is experiencing two distinct but resonant waves of incremental capital from mainland China and South Korean retail investors, with mainland southbound funds achieving a record net purchase of 1.41 trillion HKD, establishing themselves as core builders of pricing power in the market [1][10] - Southbound funds are characterized by long-term value investment, while South Korean retail investors engage in high-frequency trading and narrative-driven investments, creating a diversified funding source and a layered pricing logic in the Hong Kong market [1][10] Funding Scale and Structure - Southbound funds have become the core incremental source and valuation system reshaper for the Hong Kong market, with a cumulative net inflow of 5.11 trillion HKD by the end of 2025, and a market value exceeding 6.3 trillion HKD, accounting for 12.7% of the total market [2] - South Korean retail investors, while having a smaller capital scale, exhibit concentrated trading behavior and significant leverage, particularly impacting specific sectors like new economy IPOs and the semiconductor industry [2][5] Industry Preferences - Southbound funds focus on financials and high-dividend utilities, with significant investments in major banks and state-owned enterprises driven by high dividend yields and low valuation levels, while South Korean investors show minimal interest in these sectors [3][5] - South Korean retail investors heavily invested in Xiaomi and MiniMax-WP, demonstrating a high turnover and narrative-driven trading approach, contrasting with the stable, long-term holdings of Southbound funds [5][8] Trading Behavior and Decision-Making - Southbound funds exhibit a decision-making anchor based on dividend yield, ROE stability, and free cash flow generation, characterized by continuous accumulation and stable holdings, as seen with significant net purchases in major banks [8][9] - South Korean retail investors, on the other hand, are driven by industry narrative strength and social media trends, with a high frequency of trading and a tendency to hold stocks for less than three months, reflecting a stark contrast to the long-term holding strategy of Southbound funds [9][10] Market Dynamics - The influx of South Korean retail investors into the Hong Kong market represents a diversification of the investor base, providing liquidity while also potentially increasing volatility during certain periods [9][10] - The interaction between Southbound funds and South Korean retail investors is creating a new normal in the Hong Kong market characterized by layered pricing and concurrent narratives, necessitating both stable investment strategies and agile trading approaches [10]

（来源：湖州日报） 转自：湖州日报 在浙江凯色丽科技发展有限公司，财务负责人谈起去年底的一笔融资时，用了"及时"二字。公司计划进 行生产设备节能改造，但部分资金需求与传统信贷产品不匹配。交通银行湖州分行在走访中了解到这一 情况后，结合绿色金融创新试点政策，成功为其办理了全市首笔绿色外债登记业务，引入150万美元资 金专项用于改造。"利率合适，手续顺畅，项目进度比预期快了不少。"该负责人表示。这笔"破冰"的业 务，成为湖州金融系统探索多样化融资服务、精准响应企业需求的一个生动注脚。 市绿色金融发展服务中心工作人员介绍，增速的背后是机制的协同与服务的靠前。"我们和行业主管部 门联动更紧密了，项目信息共享更及时，让银行能早介入、早研判。"他提到，围绕重大项目清单，金 融机构得以提前设计融资方案；而对于暂时遇到困难的企业，则通过"一企一策"进行针对性帮扶，努力 缓解企业经营压力。 在滋养实体经济的同时，金融风险的"防火墙"也在同步加固。据了解，湖州已连续46个月保持全省最优 的信贷资产质量。 "迈入2026年，湖州金融系统将围绕深化'金融生态最优市'建设这一主线，以打造全国绿色金融能力建 设基地为载体，实施金融服务赋 ...

Investment Rating - The industry investment rating is "Buy" [2] Core Insights - The report analyzes 132 regional banks in the Sichuan-Chongqing area, highlighting the growth and structural changes in the banking sector [6][27] - The asset growth rates of major city commercial banks in the region are higher than those of listed city commercial banks, indicating a robust expansion [38] - Profitability metrics show that city commercial banks in the region have lower ROE compared to listed banks, while rural commercial banks outperform them [6][27] - Asset quality is slightly weaker in regional banks compared to listed banks, with higher non-performing loan ratios [6][27] Summary by Sections Economic Structure Analysis - Sichuan province is positioned as a key driver for western development, with a focus on enhancing the Chengdu-Chongqing economic circle [13][14] - In 2025, Chengdu's GDP is projected to account for 38.7% of the province's total, with significant growth in various sectors [15] Banking Sector Overview - The Sichuan-Chongqing region has 132 commercial banks, including 14 city commercial banks, 65 rural banks, and 51 rural commercial banks [27] - The asset growth rates for major city commercial banks in the region are 15.6% and 18.2%, surpassing the 14.2% growth of listed city commercial banks [38] Asset and Liability Structure - The proportion of loans to total assets has been increasing since 2016, with city commercial banks in Sichuan projected to have a loan ratio of 56.1% by 2024 [38][40] - The financial investment ratio for city commercial banks is on a downward trend, with a slight recovery noted in the first half of 2025 [40][46] Profitability and Asset Quality - The average ROE for city commercial banks in the region is 10.97%, lower than the 11.99% average for listed city commercial banks [6][27] - Non-performing loan ratios for city commercial banks in the region are higher than those of listed banks, indicating potential asset quality concerns [6][27] Capital Adequacy - Capital adequacy ratios for regional banks are comparable to those of listed banks, providing a safety margin for operations [6][27]

Core Viewpoint - The article discusses the tightening of gold-related business by banks in response to recent volatility in gold prices and the upcoming Chinese New Year holiday, highlighting the need for investors to manage risks effectively during this period [3][4][6]. Group 1: Market Conditions - As of February 12, gold prices are experiencing high volatility, with London gold at $5063 per ounce and Shanghai gold at 1123 yuan per gram, while retail prices in major cities reach up to 1556 yuan per gram [3][4]. - The gold market has seen significant fluctuations, with prices peaking above $5600 per ounce at the end of January and then dropping below $4500, indicating a volatility of over 20% within three trading days [6]. Group 2: Bank Responses - Major banks, including China Construction Bank, Industrial Bank, and Bank of Communications, have raised margin requirements and implemented dynamic trading limits on gold transactions to mitigate risks associated with market volatility [4][5][6]. - The minimum investment amounts for gold accumulation products have been increased by several banks, with China Bank raising the threshold from 950 yuan to 1200 yuan, and Construction Bank increasing it to 1500 yuan [5][6]. Group 3: Investor Guidance - Analysts suggest that investors should be cautious about holding positions over the holiday, as the Shanghai Gold Exchange will be closed while international markets remain open, creating a "time difference risk" [6][9]. - For those considering gold as a long-term investment, a strategy of gradual buying and holding is recommended, with a suggested allocation of 5% to 10% of the investment portfolio to gold as a risk hedge [10].

经济观察网 近期，工商银行（601398）在业务合作与国际化方面取得多项进展，同时其A股股价面临一 定压力。 股票近期走势 从市场表现看，工商银行A股（601398）近期股价承压。截至2026年2月12日收盘，股价报7.18元，当日 下跌1.51%，盘中波动区间为7.17-7.30元；近5日累计跌幅1.64%，年内跌幅达9.46%。资金面上，当日 主力资金净流出约3亿元，散户资金小幅流入，反映短期抛压较大。技术面显示，股价处于震荡筑底阶 段，当前支撑位在7.18-7.20元附近，阻力位关注7.30-7.32元；MACD指标略有改善，但成交量依旧偏 低，反弹动能不足。港股（01398）表现相对稳健，近5日上涨0.62%，但2月12日亦下跌0.91%。整体 看，银行板块近期走势偏弱，A股国有大型银行板块近5日跌幅1.75%。 机构观点 2026年2月9日的一份市场分析报告指出，工商银行新闻情绪中性偏积极，但缺乏重大催化剂；技术面显 示短期有反弹需求，但中期趋势仍偏弱，预计股价将在7.22-7.35元区间震荡。需注意该观点来源于普通 信源，建议以权威机构研报为准。 近期事件 近期工商银行在业务合作与国际化方面有多项 ...

Market Overview - The NPL product market continued to expand in 2025, with a total issuance scale of 820.57 billion yuan, representing a year-on-year growth of 61.32%[4] - The cumulative issuance scale of NPL products from 2016 to 2025 reached 3285.88 billion yuan, indicating a sustained growth trend over six consecutive years[4] Asset Securitization - In 2025, commercial banks disposed of a total of 519.11 billion yuan of non-performing loans (NPLs) through asset securitization, with principal accounting for 90.53% of this amount, marking a 62.80% increase from 2024[5] - As of September 2025, the balance of non-performing loans in commercial banks was 3522.48 billion yuan, with 349.45 billion yuan disposed of through securitization, accounting for 10.28% of the median balance of non-performing loans[7] Issuance Characteristics - Large state-owned commercial banks remained the main issuers in the NPL market, with the top three institutions (Industrial and Commercial Bank of China, China Construction Bank, and Bank of China) accounting for 39.92% of the total issuance in 2025[9] - The types of NPL products issued have diversified, including personal housing mortgage NPLs and small micro-enterprise NPLs, reflecting a trend towards greater variety in product offerings[9] Recovery Rates and Valuation - The expected recovery rate for credit card NPL products ranged from 4.09% to 16.15%, with a weighted average recovery rate of 9.68%[22] - Personal housing mortgage NPL products had a higher expected recovery rate of 31.44% to 50.02%, with a weighted average recovery rate of 42.30%, although this represents a decline from 50.08% in 2024[31] Small Micro-Enterprise Loans - In 2025, 44 small micro-enterprise NPL products were issued, with a total issuance scale of 224.01 billion yuan, accounting for 27.03% of the total issuance[36] - The expected recovery rate for small micro-enterprise NPLs varied significantly, ranging from 11.58% to 57.20%, depending on the type of collateral involved[37]