[Table_Page] 跟踪分析|银行 证券研究报告 [Table_Title] 银行行业 江苏 127 家区域性银行全梳理 ——丈量地方性银行（1） [Table_Summary] 核心观点： | [Table_Grade] 行业评级 | 买入 | | --- | --- | | 前次评级 | 买入 | | 报告日期 | 2026-01-23 | [Table_PicQuote] 相对市场表现 请注意，倪军并非香港证券及期货事务监察委员会的注册 持牌人，不可在香港从事受监管活动。 | DocReport] [Table_ 相关研究： | | | --- | --- | | 银行行业:中美利差、期限利 | 2026-01-22 | | 差、汇差如何联动的？—— | | | 探寻利率方向（9） | | | 银行行业:数字人民币 2.0： | 2026-01-22 | | 从 M0 到 M1 的质变 | | | 银行行业:降准降息还有空间 | 2026-01-19 | | ——银行资负跟踪 20260119 | | -10% -2% 6% 14% 22% 30% 01/25 04/25 06/25 08/25 ...

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取得一项名为"文件传输方法、装置及电子 设备、存储介质"的专利，授权公告号CN119946041B，申请日期为2024年12月。 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9916107.6038万人民币。通过天眼查大数据分析，中国邮政储蓄银行 股份有限公司共对外投资了7家企业，参与招投标项目5000次，财产线索方面有商标信息1213条，专利 信息1013条，此外企业还拥有行政许可99个。 作者：情报员 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。 本文源自：市场资讯 ...

额度提升成为新政核心突破点，单户可享受贴息的2026年新发放贷款规模上限，从100万元大幅提高至 1000万元，年贴息比例保持1个百分点，贴息期限最长1年，切实缓解服务业经营主体资金压力。 符合条件的经营主体可按常规流程申请个人经营贷款，通过手机银行或营业网点签署贴息合同，经政府 审核通过，即可享受政策红利。银行将定期汇总贷款情况报省级部门审核，收到贴息资金后在收息环节 代财政支付贴息资金，通过短信等方式告知客户，全程无额外费用。同时，银行严格禁止"包装贷"等违 规行为，强化风险防控，保障政策精准落地。 此次政策优化是财政与金融协同发力的重要举措，通过"扩领域、提额度、延期限"的组合拳，有效降低 服务业经营主体融资成本。邮储银行相关负责人表示，将持续优化服务流程，确保政策红利直达快享， 助力服务业高质量发展，为扩大内需、提振消费提供坚实金融支撑。 （文章来源：中国新闻网） 为加力支持扩大内需、释放服务消费潜力，财政部等部门于1月19日发布《关于优化实施服务业经营主 体贷款贴息政策的通知》，对服务业贷款贴息政策进行重磅优化。中国邮政储蓄银行迅速响应，全面落 实新政要求，全方位升级服务，为服务业经营主体注入低成本 ...

记者从多家银行、消费金融公司等机构了解到，财政部、中国人民银行、金融监管总局三部门发布《关 于优化实施个人消费贷款财政贴息政策有关事项的通知》，将个人消费贷款财政贴息政策实施期限延长 到今年底，并将信用卡账单分期业务纳入支持范围之后，多家金融机构已陆续公告相关服务措施。 中国银行 对于消费贷款财政贴息政策实施领域的调整，中国银行表示，根据政策要求，取消5万元（含）及以上 消费领域限制。也就是说，消费额5万元（含）及以上用于消费的交易，将不再限制是否属于家用汽 车、养老生育、教育培训、文化旅游、家居家装、电子产品、健康医疗七大重点领域。 工商银行 工商银行在《个人消费贷款财政贴息服务协议》中详细列明了贴息范围： • 家用汽车领域包括汽车购置、车辆保险及维修； • 养老生育领域包括老龄人口或其子女购买的家庭适老化改造服务、养老机构和养老社区服务，托育、 辅助生育消费等； • 教育培训领域包括资格证书培训考试、高等学历继续教育等； 今年1月1日后发生的消费 无需重新签署协议 工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行等国有大行表示，根据三部门通知要 求， 个人消费贷款财政贴息政策实施期限为2025年 ...

Core Viewpoint - The Ministry of Finance, the People's Bank of China, and the Financial Regulatory Bureau have extended the personal consumption loan interest subsidy policy until the end of 2026, allowing each borrower to enjoy a subsidy cap of 3,000 yuan, and including credit card installment payments in the support scope [2][3]. Group 1: Policy Changes - The implementation period for the personal consumption loan interest subsidy policy is now from September 1, 2025, to December 31, 2026 [3]. - The policy has removed the previous cap of 500 yuan on single transaction subsidies and the cumulative subsidy cap of 1,000 yuan for loans below 50,000 yuan, while maintaining the annual cap of 3,000 yuan per borrower at a single institution [5]. Group 2: Bank Responses - Major banks such as China Construction Bank and China Merchants Bank have announced that customers who previously signed subsidy agreements will automatically apply the new subsidy policy without needing to re-sign [4]. - The Industrial and Commercial Bank of China has launched a dedicated section for "Fiscal Subsidy and Installment Relief" on its app, allowing users to manage their installment payments and subsidies through various channels [6]. Group 3: Credit Card Inclusion - The inclusion of credit card installment payments in the subsidy policy aims to shift the focus from large purchases to frequent daily spending, thereby activating overall consumer demand [7]. - This move is expected to effectively reach a large consumer base, particularly targeting younger and lower-tier market segments, enhancing the consumption potential in these areas [7]. Group 4: Consumer Finance Companies - Consumer finance companies are actively adapting to the policy changes, ensuring that subsidy benefits reach consumers efficiently [10]. - Ant Group's consumer finance division has reported a 23% year-on-year increase in subsidies provided to consumers, indicating a positive impact on consumer spending [10]. Group 5: Specific Initiatives - Haier's consumer finance service has introduced interest-free installment plans for home appliances, contributing to the revitalization of the home appliance market [11]. - Other financial institutions, such as Zhaolian Finance and Du Xiaoman, have launched promotional activities to attract new customers and reduce borrowing costs through various interest subsidy initiatives [11].

Group 1 - The core point of the article is that China Postal Savings Bank has obtained a patent for a method and device based on network traffic, indicating its focus on technological innovation in financial services [1] - The patent, with authorization announcement number CN119788542B, was applied for on December 2024, showcasing the bank's ongoing efforts in research and development [1] - China Postal Savings Bank was established in 2007 and is headquartered in Beijing, primarily engaged in monetary financial services, with a registered capital of approximately 9.92 billion RMB [1] Group 2 - The bank has made investments in 7 companies and participated in 5,000 bidding projects, reflecting its active role in the market [1] - The bank holds 1,213 trademark registrations and 1,013 patent registrations, indicating a strong intellectual property portfolio [1] - Additionally, the bank has obtained 99 administrative licenses, further demonstrating its compliance and operational capabilities [1]

一是将个人消费贷款财政贴息政策实施期限延长至2026年12月31日。 二是扩大支持范围，将信用卡账单分期业务纳入支持范围。 三是拓展贴息领域，取消单笔5万元及以上消费领域限制。 四是提高贴息标准，取消单笔消费贴息金额上限500元的要求，取消每名借款人在一家经办机构可 享受5万元以下累计消费贴息上限1000元的要求。 ◆来源：央视财经 编辑：孙懿辞 初审：梁爽 复审：曹光宇 终审：臧立 近日，工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行均已发布公告，落实个人消费 贷款财政贴息政策优化相关服务。具体来看： 针对前期已签署《个人消费贷款财政贴息服务协议》的贷款，多家银行解答称，在2026年1月1日后发生 的消费，将自动适用最新财政贴息政策，无需重新签署协议。 ...

Core Viewpoint - Major banks are competing for year-end bonuses by promoting exclusive investment products through digital channels, focusing on low-risk options to meet investor demand for stability and flexibility [1][2]. Group 1: Investment Strategies - Banks are shifting from selling individual products to offering comprehensive financial solutions, with features like "year-end bonus investment destinations" that allow for flexible selection across various asset classes [2]. - Financial institutions are leveraging their asset allocation capabilities to enhance customer loyalty and meet diverse needs, with tailored strategies such as "conservative + stable + progressive" approaches for year-end bonuses [2][3]. Group 2: Market Trends and Challenges - The wealth management business is becoming increasingly important for banks amid regulatory changes and pressure on interest margins, with year-end bonuses creating a unique opportunity for asset allocation [1][4]. - Banks face challenges such as product homogeneity and the risk of misleading marketing practices, which could lead to irrational decision-making among consumers [3]. Group 3: Customer-Centric Approaches - Banks are encouraged to focus on customer needs by providing clear explanations of asset logic in different market environments and enhancing financial literacy among clients [4]. - It is essential for banks to integrate internal financial data to create comprehensive customer profiles and offer dynamic, adjustable solutions while maintaining transparency regarding risks [4]. Group 4: Investor Guidance - Investors are advised to incorporate year-end bonuses into their overall wealth planning, focusing on key factors such as fund management, investment strategies, historical volatility, and fee structures to avoid impulsive decisions [4][5]. - It is recommended that investors clarify their financial needs and risk tolerance, prioritizing liquidity and safety for short-term funds while considering higher-yield products for medium to long-term investments [5].

特殊关怀送到家，金融温情不止步。各支行成立"暖冬服务小分队"，对行动不便的老年客户及特殊群体 建立专属服务档案，提供业务上门办理等贴心服务。寒潮期间，一位老年客户因养老卡激活业务不便出 门，支行员工主动上门为其办理，以实际行动践行"百姓身边的银行"的服务承诺。 信贷支持显温度，精准帮扶暖人心。针对受寒潮影响较大的农业种植户、养殖户、小微商户等客户群 体，该行主动开展电话对接与实地走访，提前了解客户资金需求与还款能力。对因天气原因暂时还款困 难的客户，提供"无还本续贷"等便捷续贷服务，通过内部高效协同实现快速审批，切实缓解客户短期资 金压力，助力客户平稳度过寒潮期。 网点服务有保障，安全便捷不打折。各营业网点提前组织员工清扫门前积雪，铺设防滑垫、投放融雪 剂，全面做好营业场所及客户通道的防滑安全处理。在营业厅内设置"暖冬服务区"，提供热水、姜茶、 应急药品及手机充电等服务。同时加强线上渠道宣传引导，鼓励客户通过手机银行、网上银行办理业 务，减少出行风险。 齐鲁晚报.齐鲁壹点通讯员吴力峰 近日，临沂市迎来了今冬首轮强降温及降雪天气。邮储银行（601658）临沂市河东区支行迅速启动应急 预案，以"信贷有温度、服务有 ...

据央视财经，近日，工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行均已发布公告， 落实个人消费贷款财政贴息政策优化相关服务。具体来看： 编辑：朴丽娜 责编：赵一凡 一是将个人消费贷款财政贴息政策实施期限延长至2026年12月31日。 二是扩大支持范围，将信用卡账单分期业务纳入支持范围。 三是拓展贴息领域，取消单笔5万元及以上消费领域限制。 四是提高贴息标准，取消单笔消费贴息金额上限500元的要求，取消每名借款人在一家经办机构可 享受5万元以下累计消费贴息上限1000元的要求。 针对前期已签署《个人消费贷款财政贴息服务协议》的贷款，多家银行解答称，在2026年1月1日后发生 的消费，将自动适用最新财政贴息政策，无需重新签署协议。 来源：央视财经 原标题：《工、农、中、建、交、邮储，六大行集体公告！》 ...