报告透过逆向推算模型估计，2026年四大行将有20.37万亿元长期存款到期，较2025年的18.34万亿元增 加2.03万亿元。若以四大行约占全国存款总量40%的比例推算，2026年全国长期定期存款到期规模将达 50.93万亿元，较2025年增加5.08万亿元。 2026年将开启银行业史上最大的负债再定价窗口，报告强调，这不仅能减缓净息差下滑速度，也为银行 盈利能力恢复创造条件。尽管面临息差压力，报告认为银行业基本面在2026年将保持稳健。中银国际覆 盖的商业银行，其2025年归母净利润预计实现同比小幅增长，2026年增速有望提升至约2%。 中银国际预测，随着超过50万亿元人民币(下同)的长期定期存款将于2026年集中到期，银行业负债成本 有望迎来重新定价窗口，这将显著缓解近年困扰行业的净息差下行压力。 根据中国人民银行数据，截至2025年6月末，内地人民币存款总额已达320.17万亿元。其中四大国有商 业银行一至五年期存款占比，从2024年末的24.5%高位回落至23.5%，显示存款结构出现初步改善迹 象。 智通财经APP获悉，中银国际发布研报称，维持对内银板块H股"增持"评级，并列出具体推荐名单，首 选工 ...

Core Viewpoint - Major Chinese banks have announced the implementation of an optimized personal consumption loan subsidy policy, extending its benefits and support to consumers [2] Group 1: Policy Implementation - The implementation period for the personal consumption loan subsidy policy has been extended to December 31, 2026 [2] - The scope of support has been expanded to include credit card bill installment services [2] Group 2: Subsidy Expansion - The subsidy field has been broadened by removing the restriction on single transactions of 50,000 yuan and above [2] - The subsidy standard has been improved by eliminating the cap of 500 yuan on single transaction subsidies and the previous limit of 1,000 yuan on cumulative subsidies for each borrower at a single institution [2] Group 3: Existing Agreements - For loans that have already signed the personal consumption loan subsidy service agreement, any consumption occurring after January 1, 2026, will automatically apply the latest subsidy policy without the need to re-sign the agreement [2]

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"目标对象检测方法、装置、设备 及存储介质"的专利，授权公告号CN116563701B，申请日期为2023年4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969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 ...

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]

Market Overview - The Hang Seng Index (HSI) closed at 26,752.51, down by 13.01 points or 0.05% as of January 26, 16:00 Eastern Time [1] - The index reached a high of 26,826.45 and a low of 26,622.25 during the trading session, with a trading volume of 35.7947 million [1] - The 52-week high for the index is 27,275.90, while the 52-week low is 19,335.70, indicating a trading range of 0.76% [1] Blue-Chip Stocks Performance - HSBC Holdings closed at HKD 132.695, up by 1.29% compared to the Hong Kong market close [2] - Tencent Holdings closed at HKD 600.708, reflecting a slight increase of 0.2% from the Hong Kong market close [2] - Alibaba Group (BABA) saw a decline of 1.96%, closing at HKD 165.200 [3] - Xiaomi Group (01810) decreased by 2.81%, closing at HKD 35.220 [3] - AIA Group (01299) remained unchanged at HKD 83.050 [3] Notable Stock Movements - New World Development (00016) experienced a significant increase of 3.93%, closing at HKD 119.000 [3] - Kuaishou Technology (01024) fell by 3.26%, closing at HKD 78.600 [3] - JD.com (09618) rose by 1.05%, closing at HKD 116.000 [3] - Ctrip Group (09961) increased by 1.40%, closing at HKD 492.200 [3]

Core Viewpoint - The announcement details a debt transfer arrangement between Industrial and Commercial Bank of China Shenzhen Branch and China Cinda Asset Management Co., Ltd. Shenzhen Branch, correcting specific debt information from a previous notice [1] Group 1: Debt Transfer Arrangement - The debt transfer arrangement was published on January 16, 2026, in the Economic Daily [1] - The announcement includes a correction of the debt situation for specific borrowers listed in the original notice [1] Group 2: Borrower and Guarantor Information - The first borrower, Shenzhen Linzhuyuan Landscaping Co., Ltd., has a principal amount of 1,189,495,430.07 yuan and interest of 116,609,956.04 yuan, with multiple guarantors [1] - The second borrower, Shenzhen United Paper Co., Ltd., has a principal amount of 363,099,993.6 yuan and interest of 37,560,662.08 yuan, also with multiple guarantors [1] - The fifth borrower, Shenzhen Shengfeng Jewelry Co., Ltd., has a principal amount of 111,264,825.73 yuan and interest of 5,249,163.59 yuan, with various guarantors listed [1]

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].

登录新浪财经APP 搜索【信披】查看更多考评等级 证券代码：002491 证券简称：通鼎互联 公告编号：2026-005 通鼎互联信息股份有限公司 关于为子公司提供担保的进展公告 近期，公司全资子公司江苏通鼎光电科技有限公司（以下简称"光电科技"）因业务发展需要，拟向中国 工商银行股份有限公司苏州长三角一体化示范区分行（以下简称"工行苏州示范区分行"）申请总额不超 过人民币5,000万元的银行授信额度。公司与工行苏州示范区分行签署了相关的《最高额保证合同》， 为上述综合授信额度提供连带责任保证担保。 根据公司2024年年度股东大会审议通过的《关于为子公司提供担保的议案》，公司在股东大会授权期限 内可为光电科技提供的担保额度合计为20,000万元。公司股东大会授权公司管理层根据实际情况，在担 保额度范围内实施具体担保事项并签署相关担保文件。具体内容详见公司于2025年4月26日披露于《证 券时报》和巨潮资讯网的《关于为子公司提供担保的公告》（公告编号：2025-019）。 上述担保事项在公司董事会和股东大会审议通过的担保额度范围内，已经公司董事长审批，无需再次提 交董事会和股东大会审议。 二、被担保人基本情况 ...

登录新浪财经APP 搜索【信披】查看更多考评等级 华宸未来基金管理有限公司已于2026年1月24日发布了《华宸未来基金管理有限公司关于以通讯会议方 式召开华宸未来稳健添利债券型证券投资基金基金份额持有人大会的公告》。为了使本次基金份额持有 人大会顺利召开，现发布关于召开本次会议的第二次提示性公告。 一、召开会议基本情况 华宸未来基金管理有限公司（以下简称"基金管理人"或"本公司"）依据中国证监会证监许可[2013]177号 文准予注册的华宸未来信用增利债券型发起式证券投资基金于2013年8月20日成立。华宸未来信用增利 债券型发起式证券投资基金经中国证监会2018年4月18日证监许可[2018]735号文准予变更注册为华宸未 来稳健添利债券型证券投资基金（以下简称"本基金"）。经持有人大会生效决议，自2018年8月24日起 《华宸未来稳健添利债券型证券投资基金基金合同》（以下简称"《基金合同》"）生效，《华宸未来信 用增利债券型发起式证券投资基金基金合同》同日起失效。华宸未来稳健添利债券型证券投资基金经中 国证监会2026年1月22日证监许可[2026]137号文准予变更注册为富国丰泰债券型证券投资基金，基金 ...

转自：新华财经 "十四五" 期间，中国工商银行河北省分行（以下简称 "河北工行"）紧扣国家战略导向与河北发展脉搏，将自身发展深度融入区域经济社会建设全局，以金 融活水精准滋养实体经济。截至 2025 年 12 月末，该行各项贷款余额超 1.2 万亿元，稳居河北第一信贷银行；全部存款、各项贷款增量双双突破千亿大关， 实现同业双首位，交出了一份亮点纷呈的年度答卷。 锚定国家战略 激活协同发展新引擎 在京津冀协同发展战略指引下，河北工行持续优化金融资源配置，精准对接重点领域需求。作为"东数西算"工程京津冀算力枢纽节点建设的金融同行者，该 行已支持近20家算力相关企业，有效承接北京算力外溢，带动本地配套产业协同发展。连续3年作为廊坊经洽会战略合作伙伴，支持石家庄化工物流园区等 重点项目落地，助力构建高效区域物流网络；制定八大省级主导产业专属服务方案，聚焦5个核心城市更新项目，绘就城乡发展新图景。 在雄安新区建设中，河北工行创下多项同业第一。为新区超三分之二疏解央企、疏解机构提供账户服务，实现京雄城际铁路等40余个标志性项目融资全覆 盖，为近50%科创企业、超80%专精特新企业提供专属服务。2025年7月，成功完成全国 ...