Group 1 - The core point of the article is that the Industrial and Commercial Bank of China (ICBC) has obtained a patent for a method and device related to "hidden signature methods and verification" with the announcement number CN114584968B, applied for in March 2022 [1] - ICBC was established in 1985 and is headquartered 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 companies and participated in 5,000 bidding projects [1] - The bank holds 965 trademark information entries and 5,000 patent information entries, along with 79 administrative licenses [1]

Core Insights - The year-end bonus wealth management market is heating up as banks launch exclusive products and services tailored for year-end bonuses, reflecting a shift towards more diversified asset allocation strategies [1][2] Group 1: Market Trends - Major banks, including state-owned and joint-stock banks, are introducing specialized financial products for year-end bonuses, focusing on low investment thresholds and diverse strategies [1] - The traditional focus on single product yield competition is changing, with financial institutions now emphasizing one-stop asset allocation services that combine wealth management, deposits, and funds [1][2] Group 2: Consumer Behavior - Year-end bonuses are characterized by concentrated amounts, flexible terms, and a tendency towards conservative risk preferences, prompting banks to offer tailored solutions [2] - The rise in year-end bonus wealth management reflects a rational upgrade in residents' financial awareness and behavior, with consumers prioritizing stability and liquidity in their investment choices [2][3] Group 3: Investment Strategies - A three-tier investment framework is recommended: cash management tools for short-term liquidity, stable products for mid-term planning, and disciplined investments for long-term goals [3] - Investors are advised to understand that performance benchmarks do not guarantee returns and to carefully assess the underlying assets and historical volatility of products [3] Group 4: Market Outlook - The wealth management market in China, with a scale of approximately 33 trillion yuan, is entering a mature development phase, expected to experience structural deepening and quality growth [3][4] - The shift in asset allocation from real estate to financial assets indicates a solid foundation for the growth of wealth management products, with a competitive focus on asset allocation capabilities and customer service [4]

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。 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"基于自适应半径中心选取的 kmeans日志分类方法"的专利，授权公告号CN116644328B，申请日期为2023年6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。 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。 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"测试要素信息生成方法、装置、 设备及存储介质"的专利，授权公告号CN116049508B，申请日期为2022年9月。 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 ...

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。 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"数据监控方法、装置、计算机设 备和存储介质"的专利，授权公告号CN116523038B，申请日期为2023年5月。 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 ...

Group 1 - The core point of the article is that the Industrial and Commercial Bank of China (ICBC) has obtained a patent for an "Information Display Method, Device, Computer Equipment, and Storage Medium," with the authorization announcement number CN116647384B, and the application date is May 2023 [1] Group 2 - ICBC was established in 1985 and is located in Beijing, primarily engaged in monetary financial services [1] - The registered capital of ICBC is 35,640,625.7089 thousand RMB [1] - According to data analysis, ICBC has invested in 28 enterprises, participated in 5,000 bidding projects, has 965 trademark information entries, and 5,000 patent information entries, along with 79 administrative licenses [1]

转自：新华财经 五年来，工行宁波市分行坚守金融工作的政治性、人民性，将服务国家战略和地方发展摆在首要位置，服务实体主力军作用充分彰显，信贷投放总量由2745 亿元增长至4513亿元，年均增长达到10%，持续保持区域市场领先地位。 全力保障港口、交通、能源、城市更新等重点项目融资需求，为区域重大战略实施注入强劲金融动能。精准滴灌重点领域，在支持先进制造业发展、服务科 技创新企业、加力绿色低碳转型、深耕普惠金融服务、助力民生福祉改善等领域持续发力，服务覆盖面与质效大幅提升，有效满足不同类型市场主体的融资 需求。 服务民营与开放经济成效突出，积极贯彻落实促进民营经济发展壮大政策精神，将支持民营经济作为重要战略方向，持续加大民营企业支持力度，同时深化 与工商联战略合作，推动金融服务下沉。深度融入宁波高水平对外开放，在稳外贸稳外资、支持跨境贸易新业态、推动人民币国际化、优化跨境金融服务等 方面取得多项区域首创性突破，跨境金融服务能力持续增强。 助力共同富裕与乡村振兴扎实推进，聚焦重点县域发展和乡村全面振兴，创新推出系列特色涉农产品，积极搭建产融对接平台，涉农贷款投放力度持续加 大，有力支持农业农村现代化。至"十四五"期 ...

Core Viewpoint - The recent volatility in gold prices has led to significant adjustments in gold repurchase policies by various gold retailers and banks in China, aimed at risk management and operational efficiency [1][2][3]. Group 1: Adjustments in Gold Repurchase Policies - China Gold announced the suspension of gold repurchase services on non-trading days starting February 7, 2026, to manage risks associated with price volatility [1][2]. - Beijing Caishikou Department Store has also updated its gold repurchase rules, halting services on weekends and holidays, and reducing the daily gold repurchase limit from 200 kilograms to 100 kilograms [2]. - The adjustments include limits on repurchase amounts for individual customers, requiring advance reservations, with the limits dynamically adjusted based on market conditions [2][3]. Group 2: Market Conditions and Risk Management - The sharp increase and volatility in gold prices have made it difficult for retailers to establish fair repurchase prices, leading to potential disputes and financial pressure [3]. - Analysts expect more gold retailers to follow suit in tightening repurchase policies, focusing on risk control and operational cost management as high volatility becomes the norm [3]. - The Shanghai Gold Exchange has raised margin requirements and adjusted trading limits for gold contracts in response to market conditions, indicating a proactive approach to risk management [4]. Group 3: Banking Sector Adjustments - Several banks have begun to limit services for "three no" clients (no holdings, no inventory, no debts) in the gold trading sector, reflecting a broader trend of tightening regulations in response to market risks [4][5]. - Since September 2025, at least 11 banks have announced adjustments to their gold trading services, including suspending new trades and closing online trading channels for inactive clients [5][6]. - The banking sector's adjustments are part of a larger strategy to mitigate risks associated with market volatility, with a focus on compliance and operational integrity [6].

登录新浪财经APP 搜索【信披】查看更多考评等级 基金管理人：万家基金管理有限公司 基金托管人：中国工商银行股份有限公司 重要提示 1.万家润安稳健三个月持有期混合型基金中基金（FOF）（以下简称"本基金"）于2025年12月25日经中 国证监会证监许可[2025]2933号文准予注册。中国证监会对本基金募集的注册，并不表明其对本基金的 投资价值和市场前景做出实质性判断或保证，也不表明投资于本基金没有风险。 2.本基金为契约型开放式、混合型基金中基金（FOF） 本基金对于每份基金份额设定三个月最短持有期限，投资者认购或申购基金份额后，自基金合同生效日 或基金份额申购确认日起三个月内不得赎回或转换转出。投资人的每笔认购/申购申请确认的基金份额 需在基金合同生效日（对认购份额而言）、基金份额申购确认日（对申购份额而言）或基金份额转换转 入确认日（对转换转入份额而言）起至三个月后的月度对应日（含该日，如该月无此对应日期，则取当 月最后一日。如该对应日期为非工作日，则顺延至下一个工作日）起方可办理对应基金份额的赎回或转 换转出业务。 3.本基金的管理人为万家基金管理有限公司（以下简称"本公司"），登记机构为万家基金管 ...

近7度的雪面坡度，零下5摄氏度的恒温环境……周末，北京五棵松华熙商圈的真雪滑雪场吸引不少市 民。 不仅助经营主体提质升级，也促群众享消费优惠。在滑雪场，使用微信绑定工银信用卡支付，北京市民 唐亮享受到了"爱购冰雪"立减优惠，不仅支持购买滑雪场门票，还帮他以优惠价在市区雪具店为女儿购 买了一副雪镜。 北京安德雷斯科技有限公司负责人潘子超从2015年起经营雪具装备。公司位于北京市朝阳区小营路的店 面，上下两层既有店面也有库房，经营面积有1000平方米。"生意规模大了，随之而来的是货款周转压 力。"潘子超解释，雪具行业资金压力较大。过去，遇到资金缺口，他靠的是不动产抵押，去年卖了 房，这条路走不通了。"听说像我们这样从未在银行系统借贷过的公司，贷款流程比较复杂。"一开始， 潘子超有些担心。 工行北京朝阳支行的客户经理王丹阳得知情况后主动上门，在准确评估公司条件后，采用"信用+担 保"组合模式，解决了公司缺乏传统抵押物的融资难题。从对接、开户到300万元信用贷款落地，只用了 1周时间。"我们主动开辟绿色通道，简化内部流程，将审批时间压缩近半，快速发放贷款。"王丹阳 说。数据显示，2025年工行北京分行累计新增首贷小微 ...