三、工商银行嘉兴分行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固树立 风险合规意识，熟悉任职岗位职责，忠实勤勉履职。 2026年1月23日，嘉兴金融监管分局发布批复称，《中国工商银行（601398）浙江省分行关于陈诚同志 任职资格审查的请示》（工银浙报〔2025〕186号）收悉。经审核，现批复如下： 一、核准陈诚工商银行嘉兴分行副行长的任职资格。 二、工商银行嘉兴分行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自工商银行 政许可决定作出之日起3个月内到任，并按要求及时报告到任情况。未在上述规定期限内到任的，本批 复文件失效，嘉兴金融监管分局将办理行政许可注销手续。 ...

Core Viewpoint - Recent adjustments by major state-owned banks in China, including Agricultural Bank of China and Industrial and Commercial Bank of China, to increase the risk assessment requirements for gold accumulation business reflect a proactive approach to risk management in response to rising gold prices and market volatility [1][2]. Group 1: Changes in Risk Assessment Requirements - Agricultural Bank of China announced that starting January 30, 2026, personal clients must undergo a risk assessment to participate in its gold accumulation business, requiring a cautious rating or higher [1]. - Industrial and Commercial Bank of China previously set a requirement for clients to achieve a balanced rating or higher for opening accounts and initiating gold accumulation plans [1]. Group 2: Rationale Behind the Changes - The increase in risk assessment requirements aims to protect investors from irrational investment risks and to comply with regulatory demands for investor suitability management [2]. - The adjustments are seen as a rational risk control measure by financial institutions, reinforcing investor protection and reducing potential complaints related to price volatility [2]. Group 3: Market Positioning of Gold Accumulation Products - Some banks, like China Merchants Bank, are positioning their gold accumulation products as medium-risk investments, indicating a shift from low-threshold financial products to those requiring appropriate risk tolerance [3]. - The industry is moving towards enhancing the quality of gold accumulation business rather than merely expanding its scale, emphasizing the need for risk matching and compliance management [3].

"真没想到，十年前随手买的白银，居然变成了三十多万！因为有你们，才帮我找回了这笔钱，真的太 感谢你们了！"近日，市民李女士在工行南通文明支行，经历了一场"失而复得"的惊喜。 在工作人员的专业指导下，李女士顺利完成了平仓操作，将浮动盈利变为实实在在的资产。办理完业务 后，李女士难掩心中的惊喜与感激，出于对该网点的信任，当场将这笔三十余万元资金转为定期存款， 让财富再度"安家"。 这场惊喜的背后，是因为工行南通文明支行长期以来对客户资产的默默守护与专业坚守！从发送平仓短 信，到高效查证办理，体现了工行"以客户为中心"的服务理念。 未来，工行南通文明支行将继续优化服务流程，以专业和温度护航每一位客户的财富旅程。卢艳阳 这一切，始于一条服务提示短信。原来，在十年前，李女士在工行借记卡上投资了10万余元，购买了账 户贵金属白银。后因家庭事务繁忙及银行卡更换，这笔投资被李女士彻底遗忘在时光里。期间，李女士 一直收到平仓提示短信，但李女士一直误以为该账户白银已平仓转出用于消费，便没理会。当再次收到 短信后，李女士将信将疑，恰逢因家中有事需要现金，她便前往工行南通文明支行求证。 柜员小丁某了解情况后，高效为已更换银行卡的李女 ...

立足厅堂，筑牢网点阵地。该行充分利用网点物理空间，在大厅醒目位置张贴宣传海报，并在填单台、 自助设备区等客户动线区域规范陈列宣传折页，营造浓厚氛围。尤其聚焦到店办理业务的老年客户、学 生等易受骗群体，实施精准宣导。工作人员通过耐心细致的面对面讲解、发放宣传资料，透彻剖析非法 金融活动的本质、常见伎俩与严重危害，反复叮嘱客户及其家人务必提高警惕，理性辨别各类"高收 益"陷阱。同时，积极引导客户通过银行等正规金融机构进行储蓄、理财等资产配置，从源头守护好"钱 袋子"。 主动延伸，深化社区联动。该行主动"走出去"，组织员工深入周边社区开展集中宣传。创新结合社区活 动场景，如在社区运动会现场设立金融安全咨询台，分发宣传折页，并现场答疑解惑，普及金融知识。 已开展集中宣传活动2场，覆盖群众90余人次，反响良好。此外，积极联动周边合作商户，在其经营场 所常态化摆放宣传折页，进一步织密宣传网络，扩大覆盖范围。 南通开发区支行营业室将持续履行社会责任，加大宣传力度，创新宣传方式，以实际行动践行金融为民 的初心，为守护辖区金融安全、保障人民群众度过一个平安祥和的春节贡献力量。尹天容 岁末年初，各类金融案件进入高发期。为切实保障 ...

Core Viewpoint - The company is committed to enhancing financial services for elderly clients, addressing their specific needs and ensuring they benefit from financial development [1][2][3] Group 1: Service Enhancements - The bank has upgraded hardware facilities to cater to elderly clients, including providing reading glasses and magnifying glasses to assist with document reading [1] - Safety measures have been implemented, such as non-slip flooring and handrails, to ensure a secure environment for elderly customers [1] Group 2: Service Process Optimization - A dedicated "Love Window" has been established to reduce waiting times for elderly clients, with staff trained to provide "three slow services"—slower speech, detailed explanations, and longer waiting times [2] - A green channel for special elderly clients, including those who are bedridden or live alone, has been introduced to offer home service, allowing them to access financial services without leaving their homes [2] Group 3: Financial Education and Awareness - The bank has set up a financial knowledge promotion corner in the waiting area, featuring large-font posters and easy-to-read materials on topics like fraud prevention and financial product understanding [2] - Staff actively educate elderly clients on common scams and protective measures, enhancing their awareness and self-protection capabilities [2] Group 4: Future Commitment - The bank plans to continuously optimize services for elderly clients, focusing on hardware upgrades and enhancing the service team's capabilities to better meet the needs of this demographic [3] - The goal is to ensure elderly clients experience convenience in financial services while feeling the warmth and responsibility of the bank, ultimately achieving a state of well-being for the elderly [3]

Core Insights - The Industrial and Commercial Bank of China (ICBC) is enhancing its services for elderly clients by focusing on tailored financial solutions and improved accessibility [1][2] Group 1: Service Enhancements - ICBC's Nantong Matang branch has created an elderly-friendly service area, featuring barrier-free access, dedicated service windows, and specialized seating for senior clients [1] - The branch has upgraded its hardware to include large-print mobile banking options and essential items like reading glasses and first aid kits in service boxes [1] - Personalized assistance is provided through one-on-one guidance from lobby managers to help elderly clients navigate digital banking [1] Group 2: Financial Product Offerings - The branch promotes conservative pension investment products and personal pension account services, offering customized asset allocation based on the risk preferences of elderly clients [1] - A "green channel" for pension disbursement has been established to ensure timely monthly payments for retired employees, along with value-added services like account change notifications [1] Group 3: Community Outreach and Education - ICBC has formed a senior service team to provide home visits for elderly clients, assisting with tasks such as social security card activation and password resets, with over 30 home visits conducted [2] - The bank extends its services to rural areas through partnerships with local financial service points, facilitating social security inquiries and pension withdrawals at clients' doorsteps [2] - Regular community education initiatives are held to raise awareness about financial fraud and investment risks, distributing over 80 elder-friendly informational brochures [2]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Nantong Nanchuan Garden Branch is enhancing its services for elderly clients during the winter season by creating a "senior-friendly" banking environment, focusing on comfort, convenience, and proactive support [1][2][3] Group 1: Hardware Comfort Upgrades - The branch has prioritized physical environment improvements, such as installing anti-slip mats and clear signage at entrances to ensure safety for elderly clients [1] - The lobby features a temperature-controlled air conditioning system set to a comfortable 28°C, along with specially designed "love seats" equipped with thick memory foam cushions and sturdy armrests [1] - A range of progressive reading glasses and magnifying glasses are provided at filling stations to assist elderly clients with visibility issues [1] Group 2: Service Convenience Enhancements - A "special needs elderly client appointment home service quick response mechanism" has been established to assist those who are immobile or live in remote areas [2] - A mobile financial service team, equipped with portable smart terminals, visits clients' homes to efficiently handle frequent transactions like term deposit renewals and basic account inquiries [2] - Staff members wear "volunteer service" badges and employ a three-step service method to enhance the in-branch experience for elderly clients, minimizing their waiting time in cold conditions [2] Group 3: Extended Care and Community Engagement - The branch has set up a permanent "love station" that serves as a warm haven for elderly clients, featuring comfortable seating, emergency medical supplies, and mobile charging stations [3] - Staff conduct "micro-salon" sessions in the lobby to educate clients about common winter scams and provide preventive tips, fostering a sense of community and trust [3] - The branch is committed to continuously improving its services for the elderly, ensuring a safe, convenient, and respectful banking experience [3]

Core Insights - The Industrial and Commercial Bank of China (ICBC) Changzhou Branch has achieved significant progress in the development of inclusive finance, aiming for a loan balance exceeding 30 billion yuan by the end of 2025, with improvements in both loan balance and customer numbers compared to peers [1][2] Group 1: Loan Growth Strategy - The bank focuses on targeted lending to solidify growth, adhering to principles of "lending as much as possible and as quickly as possible," and emphasizes marketing to key sectors such as manufacturing, technology innovation, and specialized markets [1] - By expanding high-quality customer bases and increasing individual contributions, the bank aims to ensure a substantial increase in the balance of inclusive loans [1] Group 2: Product and Customer Acquisition - The bank utilizes products like regional e-loans and digital supply chain solutions to enhance customer acquisition efficiency, focusing on industry chains and leading enterprises [1] - The strategy includes systematic and bulk marketing efforts to align products with customer needs, resulting in simultaneous growth in customer numbers and loan balances [1] Group 3: Management and Execution - The bank implements meticulous management to drive performance during peak seasons, emphasizing collaboration, accountability, and resource allocation [2] - A mechanism is established for daily reporting and weekly reviews to share best practices and provide targeted support to weaker branches, ensuring effective execution of inclusive finance initiatives [2] - The bank plans to continue consolidating gains from peak seasons and enhance marketing services for small and micro customers to achieve further advancements in inclusive finance [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"用于防范网络攻击的方法、装 置、设备、介质和程序产品"的专利，授权公告号CN118200021B，申请日期为2024年4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969条，专利信息 5000条，此外企业还拥有行政许可79个。 ...

Group 1 - The report from Zhongyin International maintains an "overweight" rating for the H-share segment of domestic banks, with a specific recommendation for Industrial and Commercial Bank of China (ICBC) due to its relatively attractive valuation among peers [1] - Other banks recommended for purchase include Agricultural Bank of China, China Merchants Bank, China Construction Bank, Postal Savings Bank of China, and China Everbright Bank [1] - It is predicted that over 50 trillion RMB of long-term fixed deposits will mature in 2026, which is expected to create a repricing window for bank liabilities, significantly alleviating the net interest margin pressure that has troubled the industry in recent years [1] Group 2 - The report emphasizes that 2026 will mark the largest liability repricing window in the banking industry’s history, which will not only slow the decline of net interest margins but also create conditions for the recovery of bank profitability [2] - Despite facing margin pressure, the banking sector's fundamentals are expected to remain robust in 2026, with a slight year-on-year increase in net profit attributable to shareholders projected for 2025, and an anticipated growth rate of about 2% in 2026 [2]