2026年开年，贵金属投资市场迎来监管新动向。1月5日，工商银行正式发布公告，宣布自1月12日起将个人积存金业务风险承受能力准入等级提升至C3-平 衡型及以上，成为年内首家上调该业务门槛的国有大行。此举并非个例，随着金价波动加剧，多家银行已相继收紧准入规则，而机构对后续金价上涨的预 期仍在持续。 图片源于中国工商银行公告 工行准入门槛翻倍，存量客户操作不受限 根据工商银行公告，此次调整核心针对积存金新业务办理场景：个人客户办理开户、主动积存或新增定投计划时，必须通过营业网点、网上银行或手机银 行完成风险承受能力评估，且需取得C3-平衡型及以上结果（有效期内评估结果可复用），同时签订风险揭示书（已签署无需重签）。 这一标准较此前大幅提高——调整前，客户仅需达到C1-保守型及以上评级即可参与。值得注意的是，已开立积存金账户的老客户不受影响，赎回、兑 换、存量定投计划的执行与修改、账户注销等操作均正常办理；但后续新增定投或主动积存时，需满足新的风险等级要求。 工商银行在公告中明确，此次调整源于"近期市场不稳定因素较多"，核心目的是"进一步保护个人投资者权益"，引导投资者根据自身风险承受能力理性参 与。 对于后续走势 ...

Core Viewpoint - The article discusses the performance of the Chinese stock market in 2025, highlighting a "slow bull" trend with significant gains in A-shares and Hong Kong stocks, particularly noting the impressive performance of the ChiNext index with nearly 50% growth [2]. Group 1: Market Performance - By December 31, 2025, the average increase in A-shares was 38.15%, with 572 stocks doubling in value. In comparison, the "924 market" from 2024 saw an average increase of 87.84%, with 1586 stocks doubling [2]. - The number of "broken net" stocks decreased from 836 in the previous "924 market" to 303, representing only 5.54% of all A-shares, indicating a market recovery [3]. Group 2: Broken Net Stocks - The article categorizes broken net stocks into five groups: broken net + performance stocks, broken net + repurchase stocks, broken net stocks + state-owned holdings, broken net + high dividend stocks, and broken net + low price stocks [4]. - Among the 303 broken net stocks, only 15 were identified as performance stocks with significant revenue growth and profit increases of over 50% [4]. Group 3: Repurchase Stocks - Of the 303 broken net stocks, 72 companies engaged in stock repurchases, with 29 companies repurchasing over 100 million yuan. This indicates management's belief that their stock prices are undervalued [6][7]. - The top three companies by repurchase amount in 2025 were Jiuan Medical (925 million yuan), China State Construction (887 million yuan), and Youngor (693 million yuan) [7]. Group 4: High Dividend Stocks - There are 22 broken net stocks with a dividend yield of over 5%, enhancing their investment appeal due to potential capital appreciation and stable dividend income [9]. - Among these, Jizhong Energy had a net asset ratio of 0.99 and a dividend yield of 11.15%, despite a significant drop in revenue and profit [9]. Group 5: State-Owned Holdings - The "national team" held 95 broken net stocks in the third quarter, with significant investments in Agricultural Bank of China, Bank of China, and Industrial and Commercial Bank of China, indicating a focus on stabilizing these sectors [11][12]. - The national team increased its holdings in 17 broken net stocks, with six being newly added in the third quarter [11]. Group 6: Low Price Stocks - There are 34 broken net stocks priced below 3 yuan, with only 7 showing positive revenue and profit growth, indicating that many may not have strong underlying asset values [14].

锚定目标，以考核导向点燃攻坚动能。财富客户新增是省行"重点客群攻坚赛"的核心考核指标，该行在 考核方案中适当提升财富客户增量的计价、提升网点员工基础动力，并将该项指标纳入网点负责人和理 财经理的履职考核、强化营销人员责任意识，设置"客户提质能手"荣誉称号，激发团队竞争活力。此 外，该行各网点将考核压力传导至全员，要求柜员、大堂经理每日都要向理财经理推荐意向客户，形 成"人人扛指标、全员促增量"的攻坚氛围。 江南时报讯 2025年以来，工行南通如皋支行紧扣省分行重点客群攻坚赛部署，以分行财富运维清单为 指引，通过精准考核激励、精细分层维护、专业队伍锻造有效激活财富业务高质量发展引擎。截至2025 年11月末，该行财富客户数较年初净增300户，增量同比增长达36%。 淬炼队伍、以专业能力护航攻坚实效。该行利用周例会时间对网点负责人和理财经理进行金融产品、业 务流程的培训，安排员工两两进行模拟营销、运用行外吸金话术进行异议处理，共同提升营销技能。定 期组织财富客户提质较少的网点进行复盘，同时安排优秀的理财经理进行案例分享，帮助大家快速找到 自己的短板、有的放矢进行整改，加快落地营销成果。 精准施策，以运维清单深化分 ...

江南时报讯近日，南通海门三星支行大堂经理凭借敏锐的风险洞察力和高度的责任担当，成功识破并拦 截一起电信诈骗案件，及时为客户守住财产安全，以实际行动践行金融机构反诈护民的使命担当。 如梦初醒的客户后怕不已，连连向网点大堂经理道谢，庆幸自己遇到了负责任的银行工作人员，及时避 免了更大的财产损失。 此次成功拦截电信诈骗，不仅彰显了我行工作人员扎实的业务素养与责任担当，更体现了南通海门三星 支行在金融消费者权益保护工作上的扎实成效。一直以来，该网点始终将反诈宣传作为重点工作，通过 厅堂宣讲、案例分享等多种形式，提升客户反诈防骗意识。未来，该行将持续织密织牢金融安全防护 网，为守护群众"钱袋子"保驾护航。 事情源于一场看似普通的线上交易。客户在闲鱼平台挂售闲置衣物，一名买家主动联系表达购买意向。 过程中买家却突然声称，因该女士未完成平台认证，导致自身账户被冻结。紧接着，对方抛出"解决方 案"—要求该女士向其指定账户转入1万元进行"解控"，并承诺账户解冻后会将1万元解控金和衣服货款 一并返还。急于完成交易的客户未加甄别便向对方转出5000元，又情急之下想通过网贷平台筹集剩余款 项。不料，这笔网贷操作触发了银行的风控预警， ...

冬日清晨，凛冽的寒风裹着凉意掠过街头，而工行南通如东双甸支行的营业厅内，早已是一派忙碌的工 作景象。我正在大堂为客户提供业务指导，忽然听到柜台方向传来一阵急促又焦灼的声音："密码不对 可怎么办啊，卡是我儿子的，他中风住院了，这钱取不出来，后续治疗可怎么弄！" 闻声后，我快步走到这位客户身旁，只见阿姨的手紧紧攥着银行卡，眼眶泛红，语气里满是无助。我轻 声安抚道："阿姨，您先别着急，坐下来慢慢说。儿子突然住院，您心里肯定又急又慌，我们特别理 解。不过您放心，我们针对这类特殊情况有专门的服务方案，可以安排工作人员跟着您去医院核实情 况，让他现场按指纹，您再带上两人的身份证，就能办理密码修改，不会耽误后续用钱。" 得知阿姨是乘出租车赶到网点后，我们当即决定由我和另一位同事陪同阿姨先回家取身份证，再一同前 往医院完成信息核实。车辆在马路上平稳行驶，阿姨坐在一旁反复说着感谢："我活了大半辈子，从没 见过银行还能这么贴心，大冷天的，还让你们跟着我跑东跑西。"我们只是笑着告诉她，这是我们该做 的，能帮上忙就好。 寒风依旧吹着，但网点里的暖意却久久不散。或许对我们而言，这只是一次平常的特殊服务，可对那位 阿姨来说，却是寒冬里最 ...

Core Insights - The digital transformation is crucial for the banking industry, with a significant focus on the restructuring of digital talent, particularly the Chief Information Officers (CIOs) [1][2] Group 1: Changes in CIO Positions - In 2025, several major banks experienced changes in their technology leadership, with the CIOs of China Construction Bank (CCB) and Bank of China (BOC) resigning [2][4] - CCB's former CIO, Jin Panshi, resigned due to age reasons after serving for four years [2][3] - BOC's former CIO, Meng Qian, also resigned for age reasons after a 38-year tenure, during which she held multiple senior positions [4][6] - The Industrial and Commercial Bank of China (ICBC) also saw its technology leader, CTO Lv Zhongtao, leave at the end of 2025 [7][8] Group 2: New Appointments and Trends - In 2025, 21 new CIOs were appointed, primarily in small and medium-sized banks, with many being external hires [10][11] - Notable new CIOs include Gong Weihua at Huaxia Bank and Wang Fenghui at Xiamen International Bank, both of whom were brought in from outside the banking sector [11][12] - The trend indicates a shift towards external recruitment for CIO positions, with 48% of the new appointments being external hires [16] Group 3: Recruitment Trends in Smaller Banks - Many small and medium-sized banks have publicly announced CIO recruitment in 2025, including Xiamen International Bank and Zhengzhou Bank [18][19] - Recruitment criteria often include age limits and specific experience requirements, such as a minimum of six years in information technology and four years in senior management roles [18][20] - The trend reflects a growing emphasis on digital leadership within smaller banks, as they seek to enhance their technological capabilities [18][19]

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"查询报文处理方法、装置、设备 及存储介质"的专利，授权公告号CN117033715B，申请日期为2023年7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986条，专利信息 5000条，此外企业还拥有行政许可77个。 来源：市场资讯 ...

【导读】工行宣布，1月12日起个人购买积存金需C3级以上 中国基金报记者 忆山 1月5日，工商银行发布公告称，个人客户积存金业务风险承受能力准入等级即将提升至C3-平衡型及以 上，成为开年以来首家提高个人积存金业务准入门槛的国有大行。 风险评级C3及以上方可办理积存金业务 公告显示，鉴于近期影响市场不稳定的因素较多，为进一步保护个人投资者权益，工商银行将对个人客 户积存金业务风险承受能力等级进行调整。 自2026年1月12日起，个人客户办理积存金业务的开户、主动积存或新增定投计划（即"定期积存计 划"）的，需通过工商银行营业网点、网上银行或中国工商银行App等渠道，按该行统一的风险测评问 卷进行风险承受能力评估、取得C3-平衡型及以上的评估结果（已有前述评估结果且在有效期内无需重 测）并签订积存金风险揭示书（已签署风险揭示书的无需重签）。 已开立积存金账户的个人客户办理积存金的赎回与兑换，有效期内定投计划的执行、修改和终止，积存 金账户的注销等操作的，不受前述条件的限制。 据了解，此前个人客户在该行测评中取得C1-保守型及以上评估结果，且签订个人积存金风险揭示书 后，即可办理个人积存金相关业务。 多家上调准入 ...

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"通用数据字典确定方法、装置、 设备、介质和程序产品"的专利，授权公告号CN120017722B，申请日期为2025年2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986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 ...

Core Insights - The top three companies by Hong Kong Stock Connect shareholding ratios are China Telecom (71.63%), Gree Power Environmental (69.81%), and Da Zhong Public Utilities (68.41%) [1] - In the last five trading days, the largest increases in shareholding amounts were seen in China Merchants Bank (+2.22 billion), Industrial and Commercial Bank of China (+1.47 billion), and Agricultural Bank of China (+1.39 billion) [1] - The largest decreases in shareholding amounts during the same period were recorded for China Mobile (-2.62 billion), Tencent Holdings (-2.37 billion), and the Tracker Fund of Hong Kong (-1.56 billion) [1] Group 1: Shareholding Ratios - China Telecom (00728) holds 9.941 billion shares, with a shareholding ratio of 71.63% [1] - Gree Power Environmental (01330) has 0.282 billion shares, with a shareholding ratio of 69.81% [1] - Da Zhong Public Utilities (01635) possesses 0.365 billion shares, with a shareholding ratio of 68.41% [1] Group 2: Recent Increases in Shareholding - China Merchants Bank (03968) saw an increase of 2.22 billion in shareholding, with a change of 42.72 million shares [1] - Industrial and Commercial Bank of China (01398) increased by 1.47 billion, with a change of 237.38 million shares [1] - Agricultural Bank of China (01288) rose by 1.39 billion, with a change of 249.72 million shares [1] Group 3: Recent Decreases in Shareholding - China Mobile (00941) experienced a decrease of 2.62 billion, with a change of -31.85 million shares [3] - Tencent Holdings (00700) saw a reduction of 2.37 billion, with a change of -3.75 million shares [3] - Tracker Fund of Hong Kong (02800) decreased by 1.56 billion, with a change of -58.09 million shares [3]