——银行资负跟踪 20260119 [Table_Summary] 核心观点： [Table_Page] 跟踪分析|银行 证券研究报告 [Table_Title] 银行行业 降准降息还有空间 [Table_Gr ade] 行业评级 买入 前次评级 买入 报告日期 2026-01-19 [Table_PicQuote] 相对市场表现 [分析师： Table_Author]倪军 SAC 执证号：S0260518020004 021-38003646 nijun@gf.com.cn 分析师： 林虎 SAC 执证号：S0260525040004 SFC CE No. BWK411 021-38003643 gflinhu@gf.com.cn -10% -2% 6% 14% 22% 30% 01/25 04/25 06/25 08/25 11/25 01/26 银行 沪深300 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。 [Table_ 相关研究： DocReport] | 跨境流动性跟踪 | 2026-01-19 | | --- | --- | | 20260118:12 ...

Core Viewpoint - Guangdong's green loans have maintained a rapid growth rate of 24.2% year-on-year by the end of 2025, significantly outpacing the growth of other types of loans, indicating a strong focus on green finance in the region [3][21][31]. Financial Growth and Support - By the end of 2025, the balance of green loans in Guangdong reached 533.9 billion yuan, with an annual increase of 81.9 billion yuan, showcasing the effectiveness of financial institutions in supporting green initiatives [27][31]. - The People's Bank of China Guangdong Branch has implemented structural monetary policy tools to guide financial resources towards green projects, resulting in a cumulative investment of 612 billion yuan, which has stimulated local banks to increase credit in related fields by 333.9 billion yuan [15][16]. Collaborative Financial Ecosystem - Financial institutions in Guangdong, including Agricultural Bank and Postal Savings Bank, have established a collaborative network to enhance support for green and rural revitalization projects, with a focus on integrating resources and providing comprehensive services [20][21][56]. - The establishment of "Green Guangdong Financial Service Centers" by Agricultural Bank aims to provide tailored financing and advisory services for urban and rural development projects [23][25]. Innovation in Financial Services - Financial institutions have introduced innovative financial products and services to address the unique challenges faced by green industries, such as customized credit assessments and financing solutions for environmentally friendly projects [38][40]. - The Postal Savings Bank has developed a credit assessment model to support green technology enterprises, addressing their financing difficulties [30]. Environmental and Social Governance - Financial institutions are increasingly focusing on environmental and social risk management, conducting extensive ESG assessments to ensure the quality of green assets [86][89]. - The shift towards "ecological value finance" reflects a broader commitment to not only support green industries but also to directly contribute to ecological restoration and protection efforts [82][83]. Rural and Community Development - Financial services have been extended to rural areas through a comprehensive network, with Agricultural Bank covering 1,127 towns and villages, facilitating access to financial resources for local communities [56][57]. - Innovative rural financial products, such as "Rural Housing Credit Loans," have been introduced to help farmers overcome collateral challenges, demonstrating a commitment to rural revitalization [68]. Future Outlook - The financial sector in Guangdong is expected to continue deepening its collaborative efforts, enhancing policy guidance, and innovating financial products to support green development and rural revitalization in the upcoming "15th Five-Year Plan" [102][104].

金融界银行研究院院长陈国汪介绍，此次新晋的两家股份制银行中，浦发银行凭借"十四五"期间的转型 发力实现跨越式增长，中信银行则充分依托中信集团金融控股优势完成规模突破。加上此前已跻身10万 亿阵营的工商银行、农业银行、中国银行、建设银行、交通银行、中国邮政储蓄银行六家国有大行，以 及招商银行、兴业银行两家股份制银行，目前10家万亿级银行的资产规模合计已占据全行业的60%，彰 显出中国银行业"强者恒强"的发展格局。 新年伊始，浦发银行与中信银行相继披露年度资产规模数据，分别以10.08万亿元、10.13万亿元的总额 顺利突破10万亿大关。至此，中国银行业"10万亿资产规模俱乐部"成员正式扩容至10家，涵盖六大国有 大型银行与四家全国性股份制银行，头部机构聚集效应愈发显著。 除资产规模维度外，银行业还存在按"出身"划分的行业惯例：包括国开行、进出口银行、农发行三家政 策性银行；工农中建交邮储六家国有商业银行；12家股份制银行；120多家城市商业银行；三千多家农 村中小银行以及19家民营银行等。"两种划分标准适用于不同场景，但随着头部机构资产规模持续攀 升，2015年确立的资产规模划型标准亟待调整完善，以更好适配行业 ...

北京商报讯（记者 董晗萱）1月16日，由北京市商务局指导，北京日报报业集团和北京市商业联合会共同主办，北京商报社承办的2026北京商业品牌大会暨 2025年度（第二十一届）北京十大商业品牌揭晓活动在北京国际饭店成功举办。本次活动以"新需求 新供给"为主题，政府领导、商业专家及企业高层代表 齐聚一堂，共同见证了代表北京商业最高水平的"2025年度北京十大商业品牌"等优秀品牌案例的揭晓。 北京商报 · 财付通与银行反诈联防联控合作提振消费项目 · 恒生活数科 ·数智金融赋能新消费· 杭州银行北京分行 · 创新引领:全链路消费金融赋能实践· 建设银行北京市分行 ·北苑天街项目· 宁波银行北京分行 "美好生活服务平台"构建金融服务新范式 · 厦门国际银行北京分行 一 "好康贷" · 邮储银行北京分行 ·智启鸿蒙生态,融合创新金融服务· 阳光财产保险股份有限公司 ·助力"国潮"涌动： 阳光财险护航文化产业高质量发展· 中信银行北京分行 ·数字金融绘就 "惠民生 促消费"新图景· 以上排名按照汉语拼音首字母排序 当前，消费市场持续转型升级，金融作为重要支撑力量，正通过产品与服务模式的创新，精准对接消费新需求，有效释放消费 ...

Core Viewpoint - Postal Savings Bank of China (01658) has received approval from the National Financial Regulatory Administration for the appointment of Mr. Pu Yonghao as an independent non-executive director, effective January 13, 2026, for a term of three years [1] Group 1 - Mr. Pu Yonghao will also serve as a member of the bank's Board Strategic Planning Committee [1] - He will be a member of the Board Risk Management Committee [1] - Additionally, he will be part of the Board Social Responsibility and Consumer Rights Protection Committee [1]

Core Viewpoint - Postal Savings Bank of China (601658) has received approval from the National Financial Regulatory Administration for the appointment of Mr. Pu Yonghao as an independent non-executive director, effective from January 13, 2026, for a term of three years [1] Group 1 - Mr. Pu Yonghao will also serve as a member of the bank's Board Strategy Planning Committee [1] - He will be a member of the Board Risk Management Committee [1] - Additionally, he will be part of the Board Social Responsibility and Consumer Rights Protection Committee [1]

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 POSTAL SAVINGS BANK OF CHINA CO., LTD. 1658 董事會名單與其角色和職能 中國郵政儲蓄銀行股份有限公司董事會（「董事會」）成員載列如下。 董事長 鄭國雨（非執行董事） 執行董事 姚 紅 非執行董事 | | | 委員會 | | | | | | 社會責任與 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | | | 戰略規劃 | 關聯交易 | | 風險管理 | 提名和 | 消費者權益 | | 董事 | | | 委員會 | 控制委員會 | 審計委員會 | 委員會 | 薪酬委員會 | 保護委員會 | | 鄭國雨 | | | C | | | | | | | 姚 | 紅 | | M | M | | M | | C* | | 劉新安 | | | M | | M | | | | | 張宣波 | | | | | ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 POSTAL SAVINGS BANK OF CHINA CO., LTD. 本行董事會對浦永灝先生的加入表示誠摯的歡迎。 承董事會命 中國郵政儲蓄銀行股份有限公司 杜春野 1658 關於董事任職資格獲國家金融監督管理總局核准的公告 中國郵政儲蓄銀行股份有限公司（「本行」）2024年年度股東大會審議通過了選 舉浦永灝先生為本行獨立非執行董事的議案。本行於近日收到《國家金融監督 管理總局關於浦永灝郵儲銀行獨立董事任職資格的批覆（金覆[2026]27號），據 此國家金融監督管理總局已核准浦永灝先生的任職資格。根據相關規定，浦永 灝先生自2026年1月13日起就任本行獨立非執行董事，任期三年。同時，浦永 灝先生擔任本行董事會戰略規劃委員會委員、董事會風險管理委員會委員、董 事會社會責任與消費者權益保護委員會委員。 有關浦永灝先生的履歷及委任相關信息，請參見本行2024年年度股東大會通 函。截至本公告之日，除浦 ...

根据相关规定，浦永灏先生自 2026 年 1 月 13 日起就任本行独立 非执行董事，任期三年。同时，浦永灏先生担任本行董事会战略规划 委员会委员、董事会风险管理委员会委员、董事会社会责任与消费者 权益保护委员会委员。 浦永灏先生的简历请见本行刊载于上海证券交易所网站 （www.sse.com.cn）的《中国邮政储蓄银行股份有限公司 2024 年年 度股东大会会议资料》。截至本公告日，除浦永灏先生自 2025 年 4 月起担任交银国际控股有限公司独立非执行董事，不再担任 Interra 1 Acquisition Corporation 独立非执行董事外，其简历信息未发生其 他重大变动。 证券代码：601658 证券简称：邮储银行 公告编号：临 2026-002 中国邮政储蓄银行股份有限公司 关于董事任职资格获国家金融监督管理总局核准的 公告 中国邮政储蓄银行股份有限公司董事会及全体董事保证本公告内容不存在 任何虚假记载、误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整 性承担法律责任。 中国邮政储蓄银行股份有限公司（以下简称本行）2024 年年度 股东大会审议通过了选举浦永灏先生为本行独立非执行董事 ...

Core Viewpoint - Postal Savings Bank is actively enhancing financial services to support the real economy by leveraging new policy financial tools and collaborating with government departments and policy banks to meet financing needs for key projects [1][2]. Group 1: Financial Support and Initiatives - As of December 2025, Postal Savings Bank has approved credit amounts close to 190 billion yuan and has disbursed over 13 billion yuan in loans, focusing on strategic emerging industries and critical infrastructure [1]. - In the biopharmaceutical sector, Postal Savings Bank is supporting the construction of a biopharmaceutical industry cluster, exemplified by a key project in Fujian Province aimed at creating a concentrated platform for the industry [1]. - The bank has established a rapid response mechanism to efficiently meet financing needs for local projects, being the first in the industry to implement project loans [1]. Group 2: Green Energy and Aging Population Support - In the green energy sector, Postal Savings Bank is supporting the transformation of new power systems to achieve carbon neutrality and enhance energy security, with a focus on a chemical energy storage project in Shandong [2]. - The bank is providing comprehensive financial services throughout the project lifecycle, including supporting the construction and operation of energy storage projects [2]. - In the field of elderly care finance, Postal Savings Bank is aiding the development of local elderly service systems, exemplified by support for a key elderly care company in Shaoxing [2]. Group 3: Future Directions - Postal Savings Bank plans to continue implementing the spirit of the 20th National Congress and the Central Economic Work Conference, enhancing the role of new policy financial tools to stimulate effective investment and invigorate private investment [2].