新浪财经ESG评级中心提供包括资讯、报告、培训、咨询等在内的14项ESG服务，助力上市公司传播ESG理念，提升ESG可持续发展表现。点 击查看【 ESG评级中心服务手册】 在全球可持续发展浪潮席卷而来的当下，ESG（环境、社会、公司治理）已成为衡量企业高质量发展的核心标尺，更是连接企业价值与社会价值的关键纽 带。随着国内ESG生态体系的加速完善，政策监管持续收紧、资本市场对ESG表现的关注度不断飙升，企业的可持续发展能力愈发成为其核心竞争力的重 要组成部分。 在此行业背景下，新浪财经重磅发布"2025中国企业ESG百强"榜单。该榜单依托新浪财经专业的ESG评级体系，以5000余家A股上市公司及在港上市内地 企业为评价对象，创新性搭建18套行业ESG评价模型，纳入150余项ESG指标，通过量化模型综合演算，对企业ESG表现进行全面、客观的综合评价，最 终筛选出中国ESG实践的标杆企业。榜单不仅为行业树立了发展典范，更为投资者提供了极具参考价值的决策依据。 工商银行在环境、社会、公司治理领域开展了大量工作，积累了丰富的创新实践与扎实的落地成果。凭借在ESG各领域的卓越表现，工商银行成功入选本 次新浪财经"2025 ...

Core Insights - The article highlights the successful implementation of innovative financial products, specifically the "Mold Loan," which has provided significant funding to aluminum profile companies in Anyi County, thereby alleviating financing difficulties for these enterprises [2][7]. Group 1: Financial Support and Innovations - The Industrial and Commercial Bank of China provided 5 million yuan, while the China Construction Bank offered 3 million yuan to local aluminum companies, marking a significant financial boost for the sector [2]. - The "Mold Loan" product is part of a broader initiative to empower the real economy through data-driven financial solutions, addressing the financing challenges faced by small and medium-sized enterprises [6][7]. Group 2: Data Empowerment and Collaboration - Anyi County is focused on a "data empowers industry" strategy, enhancing collaboration among various departments to promote the "Mold Loan" product and understand the financing needs of local businesses [6]. - The establishment of the Nanchang City Trusted Data Space platform has enabled the transformation of intangible data into quantifiable financial assets, facilitating better credit assessments for enterprises [7]. Group 3: Efficiency and Growth - The use of the Trusted Data Space has significantly reduced the credit assessment period by nearly 70% compared to traditional lending processes, allowing for quicker access to funds for businesses [8]. - The timely funding has helped companies optimize their mold assets and overcome financial bottlenecks related to capacity expansion, technological upgrades, and equipment renewal, thus supporting the transformation and upgrading of the aluminum profile industry [8].

Group 1 - The ranking of the world's most profitable banks in 2025 shows that the top four positions are held by Chinese banks, with Industrial and Commercial Bank of China (ICBC) at the first place, followed by China Construction Bank (CCB), Agricultural Bank of China (ABC), and Bank of China (BOC) [1] - Among the top 10 banks globally, six are from China, and in the top 20, there are ten Chinese banks, indicating a significant presence in the global banking sector [3] - Chinese banks accounted for 25% of the total profits of over 11 trillion yuan generated by the world's top 1000 banks, amounting to approximately 2.6 trillion yuan [3] Group 2 - China's total bank savings have surpassed 80 trillion yuan, which is higher than the combined savings of the United States, Germany, and Japan, showcasing a leading savings rate [4] - The trend of high savings has led to challenges for banks, as the lack of loan demand affects profitability, prompting a continuous decline in interest rates [4] - The one-year fixed deposit rate has fallen below 1%, and the five-year rate has dropped to 1.3%, indicating a shift in the banking landscape [4] Group 3 - Since 2010, China has experienced two significant rounds of deposit "migration" and one round of deposit return, influenced by the growth of the asset management industry and regulatory changes [5] - From 2018 to 2023, the introduction of new regulations and market conditions led to a rebound in resident deposit growth, reaching 20% by 2023 [7] - As of 2024, with declining deposit rates and a recovering capital market, a new wave of deposit migration is expected, with a projected 30 trillion yuan in fixed deposits maturing [8] Group 4 - Many depositors are shifting their funds into bank wealth management products, with the scale of these products exceeding 32 trillion yuan by the third quarter of 2025 [8] - The average annualized return of alternative products, such as "Stable Profit Treasure," is reported at 2.32%, attracting younger investors [8] - The ongoing trend of wealth diversification in a low-interest-rate environment emphasizes the need for individuals to enhance their financial literacy and adapt their investment strategies [10]

近日，国家金融监督管理总局湖州监管分局作出批复，同意交通银行收购浙江安吉交银村镇银行，并设立交通银行湖州安 吉支行、交通银行湖州安吉梅溪支行和交通银行湖州安吉天荒坪支行，承接浙江安吉交银村镇银行清产核资后的资产、负 债、业务和员工。 批复称，交行应严格按照有关法律法规要求办理收购事宜，并督促浙江安吉交银村镇银行股份有限公司按规定办理法人机构 解散等相关事宜。 此外，该行应在上述支行筹建工作结束后向国家金融监督管理总局湖州监管分局申请核准开业。 交行"村改支"又一例 公开信息显示，2010年4月9日，由交通银行发起设立的安吉交银村镇银行正式开业。该行由交行控股，当地17家企业法人共 同出资。这是交通银行继2008年9月在四川省大邑县设立交银兴民村镇银行后，设立的第二家村镇银行。 根据交通银行2025年半年度报告，截至报告期末，交通银行控股多家村镇银行。例如，其控股的浙江安吉交银村镇银行注册 资本为1.8亿元，交通银行持股比例为51%。 实际上，2025年8月、9月，交通银行已分别获批收购大邑交银兴民村镇银行、青岛崂山交银村镇银行，并将其改建为分支机 构。 连同此次获批的安吉交银村镇银行，交通银行旗下已完成或获批 ...

人民财讯1月12日电，记者1月12日获悉，近日，小鹏汽车与工商银行广东省分行在小鹏科技园签订战略 合作协议。据协议，工商银行广东省分行将支持小鹏汽车100亿元的授信额度，用于融资业务、国际业 务、现金管理等方面，全力支持小鹏汽车业务运营及发展。 转自：证券时报 ...

Core Insights - The latest "Top 500 Listed Companies in China" list for 2025 showcases leading enterprises in finance, energy, technology, consumption, and intelligent manufacturing, with major players like Tencent and ICBC demonstrating their industry leadership through trillion-level market capitalizations [1][10] - The presence of companies like Industrial Fulian, SMIC, and Cambricon in the rankings reflects the deep structural transformation of China's economy, indicating these firms are both stabilizers and pioneers in industrial upgrades [1][10] Group 1: Market Capitalization Rankings - The companies ranked from 21 to 30 include Sinopec (700.7 billion), Zhongji Xuchuang (677.8 billion), Yangtze Power (665.3 billion), Postal Savings Bank (641.7 billion), SMIC (632.9 billion), NetEase (614.0 billion), Midea Group (592.9 billion), Bank of Communications (590.8 billion), Cambricon (571.6 billion), and Meituan (570.2 billion) [3][10] Group 2: Economic Structural Transformation - The success of these companies is attributed to multiple factors, including industry scarcity, technological barriers, and stable business models, which create competitive advantages [4][11] - Companies like Zhongji Xuchuang and SMIC exemplify the dual drivers of technological innovation and market opportunities, with Zhongji Xuchuang capitalizing on the AI infrastructure wave [4][11] Group 3: Challenges and Opportunities - Companies face the challenge of transitioning from scale advantages to quality advantages, with risks related to technological iteration and high valuation sustainability [6][12] - The need for technological independence and improved profitability models is highlighted, particularly for firms like Zhongji Xuchuang and Cambricon, which must navigate rapid technological changes [6][12] Group 4: Future Trends - Future market leaders are expected to emerge from sectors such as high-end manufacturing, green energy, and innovative pharmaceuticals, with a focus on hard technology like semiconductors and AI [8][9] - The anticipated market structure will feature a three-tier system, with traditional giants at the base, tech newcomers leading, and niche champions filling in [8][9] Group 5: Investment Opportunities - The average market capitalization of the top 500 companies reached 185.6 billion, reflecting a significant increase, particularly in information technology, finance, and consumer discretionary sectors [23] - Companies are expected to enhance their value and market capitalization through innovation, digital transformation, and sustainable practices, aligning with national policies and market demands [21][24]

感谢一直以来对中国工商银行的信赖与支持！ 上述安排给您带来不便，敬请谅解。如有疑问，请致电或发送短信至95588进行咨询。 2026年1月9日，中国工商银行（601398）发布公告称，2026年中国人民银行共安排支付清算系统维护6 次，分别于3月22日、4月19日、6月14日、7月19日、9月13日、11月15日00:00开始，6:00前结束。系统 维护期间，中国人民银行小额支付系统、网上支付跨行清算系统停止服务。届时中国工商银行将暂停受 理跨行小额支付业务和网上跨行支付业务。 ...

人民财讯1月12日电，近期，随着金价继续上涨，黄金交易风险陡增。记者注意到，2026年1月以来，中 国银行、工商银行两家国有大行接连发布相关黄金交易提示或规则调整，提醒投资者注意风险。上周 五，COMEX（纽约商品交易所）黄金期货涨1.29%，报4518.4美元/盎司，当周累涨4.34%。 中国银行深圳分行发布警惕黄金预定价陷阱提示称，近日，一些非法交易平台以"黄金投资""黄金预定 价"为名，通过熟人圈、社交平台吸引公众参与。 据了解，这类平台往往宣称"低门槛、高收益、快回报"，例如"1万块撬动一公斤黄金"，实为赌博诈 骗。用户存入资金后即进入虚假系统，与平台对赌，并未实际投资黄金。该行指出，这行为涉嫌违法犯 罪，参与者亦可能担责；该类平台则涉嫌"开设赌场罪"；用金企业参与非法黄金期货，也属于违法行 为。 业内人士告诉证券时报记者，前述黄金预定价交易模式模拟期货交易，允许投资者进行买涨或买跌的双 向操作，参与者需支付保证金和金价2%至5%的定金，一旦金价波动剧烈，定金不足以弥补延期交易期 间货物差价时，平台则会要求投资者补充定金，否则将强制平仓。 ...

Core Viewpoint - The recent rise in gold prices has led to increased trading risks, prompting major Chinese banks to issue warnings and adjust trading rules to protect investors [1][2]. Group 1: Gold Trading Risks - Since January 2026, major state-owned banks in China, including Bank of China and Industrial and Commercial Bank of China, have issued warnings regarding gold trading risks [1]. - The COMEX gold futures rose by 1.29% to $4,518.4 per ounce last Friday, with a weekly increase of 4.34% [1]. - Illegal trading platforms are attracting investors with promises of "low thresholds, high returns, and quick paybacks," which are essentially scams disguised as gold investment opportunities [1]. Group 2: Regulatory Adjustments - Bank of China has warned about illegal platforms that simulate futures trading, allowing investors to bet on price movements while requiring margin payments [1][2]. - The Shenzhen Municipal Office for the Prevention and Control of Illegal Financial Activities has issued risk alerts, stating that various gold and jewelry dealers are not licensed financial institutions and lack the qualifications to engage in gold asset management or public deposit solicitation [2]. - Industrial and Commercial Bank of China has raised the minimum investment for its gold accumulation business from 1,000 yuan to 1,100 yuan, effective January 8 [2]. Group 3: Risk Assessment Changes - Starting January 12, 2026, personal clients must undergo a risk assessment to engage in gold accumulation services, requiring a minimum risk tolerance rating of C3 - Balanced or higher [3]. - Previously, clients only needed a C1 - Conservative rating to participate in gold accumulation services [3]. - The adjustments reflect the need for investors to have a higher risk tolerance due to increased volatility in gold prices [3].

Investment Rating - The industry investment rating is "Positive" [3][17] Core Insights - Interest income is expected to return to positive growth, supported by an improvement in net interest margins in Q4 2025, which will offset other non-interest impacts [1] - For the full year 2025, listed banks are projected to see a net profit growth rate of 1.8% and revenue growth of 1.2%, both showing a quarter-on-quarter improvement [1] - Quality city commercial banks are expected to lead the sector, with revenue and profit growth rates projected between 5-10% for 2025 [1] Summary by Relevant Sections Industry Outlook - The overall outlook for 2025 indicates an improvement in net profit and revenue growth for listed banks, primarily due to the alleviation of margin pressures and increased provisions [1] - The asset scale of listed banks is expected to grow by 9.0% year-on-year, reflecting a slowdown compared to previous quarters due to weak credit demand [1] Key Drivers - **Margin Stabilization**: Q4 2025 is expected to see a 2 basis point improvement in net interest margin to 1.32%, driven by a larger decline in funding costs compared to asset yields [1] - **Non-Interest Income**: Non-interest income is projected to grow by 3.2% year-on-year, a decrease from earlier quarters, with a slight positive trend in commission income [1] - **Credit Quality**: The credit cost ratio is expected to decline to 0.67%, indicating a stable improvement in non-performing loans, particularly in retail lending [1] Investment Recommendations - The report suggests that banks with new growth drivers are likely to see significant value recovery, recommending major state-owned banks and select city commercial banks as key investment targets [1][2]