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六大行,全面停售5年期大额存单
财联社· 2025-12-02 08:25
"我跑了两家大行网点,5年期大额存单都停售了,就连3年期的都得靠'抢',额度一出来很快就没了,关键利率还比去年降了不少。"家住北京市的王 女士告诉记者,她手中的50万元闲置资金本想配置长期大额存单以求稳健收益,如今却陷入了"无处可放"的困境。 王女士的遭遇并非个例。记者近期调研发现,工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行六家国有大行已全面停售5年期大额 存单产品,部分股份制银行及城商行也紧随其后收缩长期存款业务。 六大行全面停售5年期大额存单 记者登录六大行官方APP及手机银行查询时发现,目前各银行大额存单期限结构已明显"短期化"。工商银行"大额存单"栏目下仅剩余1个月、3个月、 6个月、1年、2年、3年六个期限产品。其中,3年期大额存单产品利率为1.55%,1年期、2年期产品利率均为1.20%。 此外,中国银行、建设银行、交通银行及邮储银行的产品矩阵呈现相似特征,5年期产品均已从在售列表中移除。在农业银行2018年至2025年的人民 币个人大额存单产品目录中,也并未出现5年期大额存单产品的"踪影"。 回溯来看,5年期大额存单的退出并非突然之举。以中国银行为例,今年5月20日,中国银行曾在 ...
工商银行取得区块链创建相关方法及产品专利
Sou Hu Cai Jing· 2025-12-02 07:53
Group 1 - The core point of the article is that the Industrial and Commercial Bank of China (ICBC) has obtained a patent for a blockchain creation method, device, storage medium, and program product, with the patent number CN119834983B and an application date of December 2024 [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 approximately 35.64 billion RMB [1] - According to data analysis, ICBC has invested in 1,096 companies, participated in 5,000 bidding projects, has 988 trademark records, 5,000 patent records, and holds 77 administrative licenses [1]
“个人养老金选工行”,最高领388元+188元微信立减金
Xin Lang Cai Jing· 2025-12-02 07:51
人 示范 - Fire T 累计缴存礼上礼 活动期间,通过"中国工商银行App-个人养老金 专区-立即转入/转入资金"向本人个人养老金资金账 户转入一笔资金后,按2025年以来首次缴存金额达标 情况分档领取一份权益。 1000元≤2025年首次缴存 2025年首次缴存 金额<12000元 金额=12000元 领取方式 中国工商银行 任务中心 享活动 首开首缴享好礼 立即抽奖 App 累计缴存礼上礼 代发客户专享礼 假如每年缴存12000元个人养老金 每年最高可省5400元税费 开户缴存最高可领388元+188元 立减金 活动时间:2025年9月26日9时-11月30日24时 直开首缴享好礼 活动期间,首次通过"中国工商银行任一渠道" 开立个人养老金资金账户,并通过手机银行个人养 老金专区"立即转入/转入资金"向本账户转入2元 (含)及以上资金,即有机会领取奖励一份。 同时我行认定的代发/企业年金客户,可额外再 领取1万工银i豆。 综合所得金额-专项扣除0-基本扣除(6万元)-专项附加扣除 -其他 扣除® 1 专项扣除指基本养老保险、基本医疗保险、失业保险和住房公 积金;2其他扣除指企业年金、职业年金、符合国家 ...
六大行全面停售5年期大额存单,工商银行大额存单仅剩余1个月、3个月、6个月、1年、2年、3年六个期限产品
Ge Long Hui· 2025-12-02 07:37
格隆汇12月2日|据金融时报,经查询六大行官方APP及手机银行发现,目前各银行大额存单期限结构 已明显"短期化"。工商银行"大额存单"栏目下仅剩余1个月、3个月、6个月、1年、2年、3年六个期限产 品。其中,3年期大额存单产品利率为1.55%,1年期、2年期产品利率均为1.20%。此外,中国银行 (601988)、建设银行、交通银行及邮储银行的产品矩阵呈现相似特征,5年期产品均已从在售列表中移 除。在农业银行2018年至2025年的人民币个人大额存单产品目录中,也并未出现5年期大额存单产品 的"踪影"。 ...
工商银行取得作业调度方法及相关装置设备等专利
Sou Hu Cai Jing· 2025-12-02 07:37
Core Insights - The China Industrial and Commercial Bank has obtained a patent for a "Job Scheduling Method, Device, Equipment, Storage Medium, and Program Product," with the authorization announcement number CN116185590B, and the application date is February 2023 [1] Company Overview - The China Industrial and Commercial Bank was established in 1985 and is located in Beijing, primarily engaged in monetary financial services [1] - The registered capital of the company is approximately 35.64 billion RMB [1] - The bank has invested in 1,096 enterprises and participated in 5,000 bidding projects [1] - The company holds 988 trademark registrations and 5,000 patent records, along with 77 administrative licenses [1]
六大行全面停售5年期大额存单产品
Zheng Quan Shi Bao Wang· 2025-12-02 07:35
人民财讯12月2日电,记者近期调研发现,工商银行、农业银行、中国银行、建设银行、交通银行、邮 储银行六家国有大行已全面停售5年期大额存单产品,部分股份制银行及城商行也紧随其后收缩长期存 款业务。 记者登录六大行官方APP及手机银行查询时发现,目前各银行大额存单期限结构已明显"短期化"。工商 银行"大额存单"栏目下仅剩余1个月、3个月、6个月、1年、2年、3年六个期限产品。其中,3年期大额 存单产品利率为1.55%,1年期、2年期产品利率均为1.20%。此外,中国银行、建设银行、交通银行及 邮储银行的产品矩阵呈现相似特征,5年期产品均已从在售列表中移除。在农业银行2018年至2025年的 人民币个人大额存单产品目录中,也并未出现5年期大额存单产品的"踪影"。 (原标题:六大行,集体停售!) 转自:证券时报 ...
工商银行取得异常交易事件的识别方法、装置、计算机设备和存储介质专利
Sou Hu Cai Jing· 2025-12-02 07:13
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"异常交易事件的识别方法、装 置、计算机设备和存储介质"的专利,授权公告号CN115293908B,申请日期为2022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1096家企业,参与招投标项目5000次,财产线索方面有商标信息988条,专利信息 5000条,此外企业还拥有行政许可77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 ...
工商银行取得交易数据广播方法及相关产品专利
Sou Hu Cai Jing· 2025-12-02 07:13
Group 1 - The core point of the article is that the Industrial and Commercial Bank of China (ICBC) has obtained a patent for a "transaction data broadcasting method, device, equipment, storage medium, and program product" with the authorization announcement number CN119788263B, and the application date is December 2024 [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 approximately 35.64 billion RMB [1] - According to data analysis, ICBC has invested in 1,096 companies, participated in 5,000 bidding projects, has 988 trademark information entries, and holds 5,000 patent information entries, along with 77 administrative licenses [1]
决胜新程——第二十届中国上市公司董事会“金圆桌奖”颁奖仪式在江阴成功举办
Sou Hu Cai Jing· 2025-12-02 06:29
Core Points - The 20th "Golden Roundtable Award" ceremony for Chinese listed companies was held in Jiangyin, attended by over 200 guests including executives, scholars, and media representatives, highlighting achievements in corporate governance [1][2][3] - The event recognized over 100 listed companies with a total market value exceeding 10 trillion, including 16 companies with market values over 100 billion [1][2] Group 1 - The opening speech by Li Zhenqiang emphasized the importance of the "Golden Roundtable Award" as a platform for consensus and wisdom, aiming to support the transformation and upgrading of Chinese listed companies [2][3] - Jiangyin's Vice Mayor Ji Zhen highlighted the city's achievements as a manufacturing hub, with 66 listed companies and a total market value exceeding 300 billion, positioning Jiangyin as a leader among county-level cities [5][6] Group 2 - Liu Yunhong, a professor, discussed the development of corporate governance rules in China, identifying six key issues in current practices and advocating for a shift from "formal compliance" to "substantive effectiveness" [12] - Zhu Zhengyi shared insights from Longji Technology's acquisition of Xingke Jinpeng, emphasizing the strategic role of corporate secretaries in governance [12][13] - Su Mei analyzed the trends in the A-share market under the registration system, stressing the importance of value management for high-quality development [15] Group 3 - The award ceremony recognized outstanding companies and individuals in various categories, including "Most Influential Independent Director" and "Excellent Board of Directors," showcasing achievements in governance and value creation [18][20][33] - The "Best Board of Directors" award was presented to leading companies such as Weichai Power and China Ping An, reflecting their exemplary governance practices and strategic foresight [33][36]
工商银行取得页面加载方法、装置、计算机设备和存储介质专利
Sou Hu Cai Jing· 2025-12-02 05:56
Core Insights - The China Industrial and Commercial Bank has obtained a patent for a "page loading method, device, computer equipment, and storage medium," with the authorization announcement number CN116614341B, and the application date is May 2023 [1] Company Overview - The China Industrial and Commercial Bank was established in 1985 and is located in Beijing, primarily engaged in monetary financial services [1] - The registered capital of the company is approximately 35.64 billion RMB [1] - The bank has invested in 1,096 enterprises and participated in 5,000 bidding projects [1] - The company holds 988 trademark information and 5,000 patent information, along with 77 administrative licenses [1]