经济观察网 近期邮储银行热点事件集中于高管变动及行业政策。 近期事件 2026年2月13日，邮储银行公告显示，芦苇正式就任该行行长及执行董事，其任职资格获国家金融监督 管理总局核准，自当日起生效。同期，银行业监管数据发布，2025年商业银行净利润同比增长2%，其 中大行净利润同比增2%，净息差稳定在1.42%，行业资产质量整体平稳。此外，2026年1月个人消费贷 款新政落地，邮储银行"邮享贷"年化利率区间为3.1%-12.4%，与国有大行统一执行监管下限。 股票近期走势 近一周邮储银行A股股价波动明显。2026年2月13日收盘价5.07元，单日跌幅0.78%，成交额5.64亿元；2 月12日收盘价5.11元，跌幅1.54%。区间累计跌2.31%，振幅2.70%。资金流向显示，2月13日主力净流出 3814.74万元，散户资金呈净流入态势。港股方面，截至2月16日收盘价5.11港元，微涨0.39%。 机构观点 机构对邮储银行维持中性展望。截至2026年2月19日，综合目标价为6.63元，较最新价潜在上涨空间 31.03%。盈利预测方面，39家机构预计2025年净利润同比增长15.26%，2026年增速放缓至4. ...

据经济观察报-经济观察网 2025年，中国手机银行市场进入存量竞争阶段，月度总独立设备数在6.48亿至7.39亿区间筑底企稳。国有大型商业银行凭借生态 嵌入优势占据主导地位，农业银行以2.49亿MAU位居榜首，工商银行(1.94亿)和建设银行(1.09亿)位列第二、三位，形成第一梯队。中国银行和邮储银行 MAU超过5000万，构成第二梯队。国有大行的核心优势在于"全域场景融合"能力，将服务深度嵌入政务、社保、医疗、教育等高频生活场景。农行通过智 能服务匹配与客群定制延伸至县域与乡村，工行则依托"工小智"大模型实现"对话式办理"的交互革命。相比之下，民营银行在2025年集体退出月活TOP50榜 单，因缺乏线下网点支撑和本地生活生态，在存量市场中失去竞争力。股份制银行中，招商银行以7185.4万MAU领先，平安银行和中信银行构成第二梯 队，而其他股份制银行MAU普遍低于2000万。区域银行中，深耕本地的江苏银行、北京银行和宁波银行表现稳定，福建农信等农商行MAU突破450万，证 明本地化深耕在存量市场中更具可持续性。 | 序号 | APP名称 | 2025年平均MAU (万) | | --- | --- | -- ...

Core Viewpoint - The appointment of Lu Wei as the new president of Postal Savings Bank marks a significant shift in the leadership dynamics of state-owned banks in China, as he is the first leader to transition directly from a joint-stock bank, breaking the traditional internal promotion or external appointment model [2] Group 1: Appointment Significance - Lu Wei's appointment is a groundbreaking attempt to bridge the talent flow between state-owned banks and joint-stock banks, which has historically faced "invisible barriers" [2] - His career trajectory reflects a strong background in the "CITIC system," having risen through the ranks of CITIC Bank and later serving as chairman of CITIC Trust, showcasing his management capabilities and adaptability [2][3] Group 2: Qualifications and Challenges - Lu Wei's international background and professional qualifications, including a master's degree in accounting from Deakin University and CPA certifications from China, Hong Kong, and Australia, are seen as key factors in his selection, especially as Postal Savings Bank pushes for retail transformation and international expansion [3] - The bank faces challenges such as narrowing interest margins and asset quality pressures, with a non-performing loan ratio of 0.94% as of September 2025, while net profit growth has slowed to 0.98% [3] Group 3: Transformation and Strategy - Postal Savings Bank, known for its "inclusive finance" label, has a vast network of nearly 40,000 outlets, which presents both an advantage and higher operational costs; its asset scale reached 18.61 trillion yuan with an 8.9% year-on-year growth, but revenue growth was only 1.82% [4] - Lu Wei's management team will need to align with his strategic direction, particularly in technology and customer management, raising questions about the potential introduction of market-oriented incentive mechanisms [4] Group 4: Industry Implications - This personnel adjustment signals a diminishing "gatekeeping" mentality in the selection of senior executives at state-owned banks, emphasizing professional competence and cross-institutional experience [5] - Lu Wei's appointment presents both opportunities and challenges for Postal Savings Bank, as he must balance the bank's policy-driven mission with market demands, potentially setting a new paradigm for executive selection in other state-owned banks [5]

国家知识产权局信息显示，中国邮政储蓄银行股份有限公司申请一项名为"基于日批无感数据的更新方 法、装置与电子设备"的专利，公开号CN121524192A，申请日期为2025年11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。 专利摘要显示，本申请提供了一种基于日批无感数据的更新方法、装置与电子设备。该方法包括：获取 原数据库中的待更新数据，对待更新数据添加主键信息，得到待更新处理数据；对待导入数据库的连接 信息中的密码密文进行解密处理，以连接待导入数据库，构建原数据库的临时表，将待更新处理数据导 入至临时表中；将临时表中的待更新处理数据对应导入待导入数据库的影子表中，并对影子表与临时表 中的待更新处理数据进行完整性校验处理，在完整性校验处理通过的情况下，将视图指向切换至待导入 数据库的影子表，并将影子表转换为实体表，以完成待更新处理数据的更新。解决了现有技术在数据同 步过程中难以保证交易的连续性和数据的无感更新的问题。 天眼查资料显示，中国邮政储蓄银行股份有限公司，成立于2007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9916107.6 ...

Core Insights - Postal Savings Bank of China (PSBC) is focusing on expanding inclusive small loans to support local businesses, particularly in the agricultural and seafood markets, thereby promoting the development of the real economy [1][3][4] Group 1: Business Impact - PSBC's Taiyuan branch has effectively addressed the funding challenges faced by small merchants in the Wulongkou Seafood Market, which is a key distribution center for fresh produce [1][3] - The bank has simplified its loan approval process and improved disbursement efficiency, allowing funds to reach businesses quickly [1][3] Group 2: Success Stories - A merchant named Yao Qihu, who has been in the garlic and ginger wholesale business since 2000, increased his annual sales from 10 million to 50 million yuan after receiving loans totaling 2.57 million yuan from PSBC [3] - Wang Wentao, a fruit wholesaler, plans to apply for a loan of 1 to 2 million yuan, benefiting from the bank's efficient service and agricultural subsidy policies [3] - Li Shengmei, who has been in the seafood industry for over 20 years, received a credit line of 1 million yuan from PSBC, which helped expand her business [4] Group 3: Financial Services - PSBC has provided credit to 300 merchants in the Wulongkou Seafood Market, with a total credit amount of 60 million yuan, significantly alleviating their financial pressures [6] - The bank offers tailored financial service solutions, including "rent loans" and "industry loans," aligning with national policy to reduce financing costs for merchants [6] - PSBC has implemented a digital platform for online loan applications, enhancing approval efficiency and providing a comprehensive suite of financial services, including deposits and payment solutions [6]

近日，在市规划自然资源委海淀分局与区内金融机构的通力协作下，海淀区首批不动产登记自助打证与 查询设备在中国邮政储蓄银行首体南路支行正式"上岗"。办事群众在办理金融业务的同时，即可完成全 市范围内不动产权证书及登记证明的自助打印与全市联网的不动产登记信息查询，标志着海淀区在深 化"不动产登记+金融"延伸服务、构建便民服务网络上迈出了坚实一步。 此举是响应北京市关于拓展不动产自助服务至金融机构网点工作部署的具体实践，旨在将登记服务延伸 至群众"家门口"，为打造"15分钟不动产登记服务圈"提供关键节点支撑。 导 读 01 深化全程网办，延伸服务触角 随着不动产登记全程网办改革向纵深推进，群众办事模式已实现从"窗口现场办"到"线上自主办"的根本 性转变，线上渠道成为政务服务的主阵地。2025年，我区个人存量房转移登记全程网办率突破 59.13%，抵押/解押登记业务网办率达75%，"数据跑路"取代"群众跑腿"成为服务新常态。在此背景下， 群众对就近获取纸质凭证、现场查询信息等需求日益增强。为切实回应这一需求，海淀分局积极落实上 级部署，以银行网点为服务延伸点，推动自助服务终端进驻金融机构。通过与中国邮政储蓄银行西城区 ...

春节即将来临，孩子们非常期待收到压岁钱。多家银行敏锐捕捉到这一热点，在春节期间推出压岁钱专 属产品，通过存款利率上浮、赠送权益等方式吸引客户。 业内人士认为，压岁钱专属产品既有利于缓解银行揽储压力，也可通过场景金融，深化客户的品牌认 知，增强客户黏性。看似不起眼的"小"压岁钱，撬动的是儿童金融与家庭财富管理的大市场。 多家银行推出压岁钱相关产品 记者走访银行网点发现，多家银行围绕儿童压岁钱推出了特色产品。 01 北京银行 北京银行推出了儿童专属银行卡——"小京卡"。（18岁以下可办理） 客户通过"小京卡"办理三年期定期存款，利率可达1.75%，较该行同期限一般存款利率有一定的上浮。 而且，"小京卡"相关存款产品的起存金额仅为1000元，较为灵活方便。 02 小俊的妈妈李女士表示，对于银行推出的压岁钱专属产品很满意，这类产品既有助于培养孩子的储蓄习 惯，也能带来一定的利息收益。 发力儿童金融增强客户黏性 对于压岁钱专属产品，业内人士认为，这既是银行应对揽储压力的营销手段，也是挖掘场景金融、增强 客户黏性的重要工具。 工商银行 工商银行内蒙古赤峰市某网点的客户经理表示，该行针对儿童压岁钱储蓄推出了"宝宝卡"。（1 ...

平安人寿再度举牌中国人寿H股，持股比例一举突破10%大关。 近日，平安人寿发布公告，平安资管受托平安人寿资金，投资于中国人寿H股股票，于2月3日达到中国 人寿H股股本的10%，根据香港市场规则，触发举牌。 从2025年相继举牌中国太保与中国人寿，到持续"扫货"农行、招行等银行H股，平安系正加速在港股构 筑庞大的高股息金融资产池。在低利率与"资产荒"交织的当下，这种罕见的"险资买险资"现象背后，折 射出头部险企基于资产负债匹配的战略诉求。 中国平安常务副总经理兼联席首席执行官郭晓涛解释到，平安的投资策略的核心是做资产负债的匹配， 需要去考虑的是投资如何与前端的负债业务进行有效匹配。 再度举牌中国人寿H股 据了解，本次并非平安系首次举牌同业。 早在2025年8月份，平安系资金就先后举牌中国太保H股和中国人寿H股。 2025年8月11日，根据香港交易所公告，平安人寿以每股32.0655港元的均价买入中国太保H股约174万 股，共持股1.4亿股，占港股流通股的比例达5.04%，触及举牌，总股本占比1.46%。 2025年8月12日，平安系资金又买入中国人寿950万股H股股票，买入后平安系资金持有中国人寿H股比 例达到 ...

（邮储银行） 根据相关规定，芦苇自2026年2月13日起就任邮储银行行长及执行董事，同时担任该行董事会社会责任 与消费者权益保护委员会主席及委员、董事会战略规划委员会委员、董事会提名和薪酬委员会委员。 2月13日，邮储银行发布公告称，2025年12月26日，该行董事会审议通过了聘任芦苇为该行行长的议 案；2026年1月19日，该行2026年第一次临时股东会审议通过了选举芦苇为该行执行董事的议案。近 日，邮储银行收到《国家金融监督管理总局关于芦苇邮储银行行长、董事任职资格的批复》（金复 〔2026〕97号），国家金融监督管理总局已核准芦苇担任该行行长、董事的任职资格。 ...

Investment Rating - The industry rating is "Buy" [6] Core Insights - The overall social financing growth slightly declined to 8.2% in January, while M1 and M2 growth rates significantly rebounded, with M1 growing by 4.9% and M2 by 9.0% [6][16] - Government net financing increased significantly by 2,831 billion yuan year-on-year, contributing to the overall social financing growth [6][17] - The report indicates a shift in deposit structure due to accelerated deposit migration, impacting M1 negatively while having limited effect on M2 [6][16] Summary by Sections Overall Situation - Social financing growth decreased slightly to 8.2%, while M1 and M2 growth rates increased significantly [15][16] - M1 and M2 growth rates rose by 1.1 percentage points and 0.5 percentage points respectively compared to the previous month [6][16] Government Sector - Fiscal strength showed a year-on-year decline, impacting overall financing dynamics [39] Household Sector - Demand remained stable year-on-year, with short-term loan demand increasing [39] Corporate Sector - Short-term loan demand increased year-on-year, while bill financing saw a significant reduction [39] Non-Bank Sector - The acceleration of deposit migration was noted, with non-bank deposits increasing by 1.45 trillion yuan year-on-year [6][39]