作为职场人翘首以盼的"年终大礼"，规模可观的年终奖成为各家银行及理财公司的必争之地。 《金融时报》记者梳理发现，2025年末至今，邮储银行、交通银行、平安理财等多家机构已抢先布 局，通过线上专属活动、全品类产品矩阵、个性化资产配置方案等多元策略加码年终奖理财营销。 在业内人士看来，银行角逐年终奖理财市场，既是负债端"吸金"的关键布局，也是拓展中间业务、 增强客户黏性的重要契机，但投资者也需要锚定自身需求理性投资，谨慎选择。 银行发力年终奖理财 "距离发放年终奖还有一个多月，手机银行就接连收到理财推荐了。"在北京从事互联网运营工作的 赵先生对记者说，自己的年终奖预计在2026年1月底发放，最近有不少银行陆续推出了年终奖专属理财 活动，他已经提前开始考虑这笔资金的打理方式。 记者注意到，国有大行凭借客群规模优势，率先打响了年终奖理财营销战，线上专属活动成为主要 阵地。 "年终红利，'理'在交行。"2025年末，交通银行为投资者推出了"专'薪'定制，期限多样"的年终奖 专享理财产品，产品均为R2（稳健型）。其中，"灵动添利6号新薪宝"理财近3个月年化收益率达 4.76%。 此外，交通银行各家分支机构推出了"'薪'动 ...

来源：中访网 中访网数据 交通银行股份有限公司于2026年1月5日在中国上海正式公布了其最新的董事会成员名单及 各成员所担任的委员会职务。根据公告，董事会由董事长任德奇领衔，共包括15名成员。核心决策层架 构显示，任德奇同时担任执行董事及战略委员会主任委员；张宝江担任副董事长、执行董事及社会责任 （ESG）与消费者权益保护委员会主任委员；殷久勇与周万阜同为执行董事。董事会亦设有五名非执行 董事，包括常保升、廖宜建、陈绍宗、穆国新及艾栋。此外，公司还委任了张向东、李晓慧、马骏、王 天泽、肖伟及刘瑞霞六位独立非执行董事，以确保公司治理的独立性与专业性。公告明确了各位董事在 战略、审计、风险管控、人事薪酬及社会责任等关键委员会的任职情况，构建了完整的公司治理与监督 体系。此次董事会名单的公布，标志着交通银行公司治理结构的稳定与完善，相关职责安排将指导该行 未来的战略发展与日常运营管理。 ...

新浪财经"酒价内参"重磅上线 知名白酒真实市场价尽在掌握 本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个别及连带责任。 重要内容提示： ●担保对象及基本情况 ■ 大湖健康产业股份有限公司（以下简称"公司"）为满足子公司酒业营销生产经营的资金需求，于2025年 12月26日，与交通银行股份有限公司常德分行（以下简称"交通银行常德分行"）签订《保证合同》（合 同编号：C251225GR4355310）,约定公司为子公司酒业营销与交通银行常德分行续签的《流动资金借款 合同》项下的全部债务（包括但不限于债权本金、利息（含罚息、复利）、违约金、损害赔偿金、债权 人实现债权的费用等）提供连带责任保证，其中借款本金为人民币900万元，对应担保的保证金额为900 万元。 （二）本次担保的内部决策程序 公司分别于2025年1月20日、2025年2月13日召开第九届董事会第十四次会议、2025年第一次临时股东会 审议通过了《关于2025年度公司为子公司提供担保额度预计的议案》，同意公司预计2025年度为公司合 并报表范围内子公司提供担保的总额度为不超过人 ...

交通银行（601328）(03328)发布公告，本行近日收到《国家金融监督管理总局关于刘瑞霞交通银行独 立董事任职资格的批复》(金复[2025]776号)，国家金融监督管理总局已核准刘女士任本行独立非执行董 事的任职资格，刘女士已正式就任本行独立非执行董事。 根据本行第十届董事会第二十四次会议决议，刘女士的独立非执行董事任职资格获核准后，石磊先生不 再担任本行独立非执行董事、董事会风险管理与关联交易控制委员会委员、人事薪酬委员会委员。 ...

Core Viewpoint - The banking industry is increasingly focusing on the use of corporate WeChat (企微) as a tool for customer relationship management, driven by performance metrics that require employees to add a specific number of clients to their corporate WeChat accounts. This shift reflects the industry's struggle with retail business performance and the need for innovative customer engagement strategies [1][12]. Group 1: Performance Metrics and Employee Pressure - Many banks have implemented strict KPIs for corporate WeChat additions, with requirements such as adding 50 clients per month, leading to financial penalties for underperformance [2][5]. - Employees are sharing their corporate WeChat QR codes on social media to meet these targets, often incentivized by rewards like cash bonuses for high performance [1][2]. - The pressure to meet these metrics has led to a culture of "mutual assistance" among bank employees, where they help each other add clients to fulfill their quotas [1][2]. Group 2: Challenges and Limitations - There are significant challenges in achieving these targets, including restrictions on the types of clients that can be added and the requirement for clients to complete real-name authentication [3][4]. - Some employees have resorted to purchasing client contacts from online platforms, indicating a potential loophole in the system [3][4]. - The effectiveness of corporate WeChat in enhancing customer engagement is questioned, as many employees focus on merely completing tasks rather than fostering genuine client relationships [10][11]. Group 3: Strategic Importance of Corporate WeChat - The push for corporate WeChat is partly to prevent "client privatization," ensuring that customer relationships remain with the bank rather than individual employees [5][6]. - Corporate WeChat is seen as a vital tool for managing customer interactions and data, allowing banks to analyze client behavior and preferences more effectively [5][6]. - The banking sector views corporate WeChat as essential for addressing the challenges of declining retail business performance, with the potential to enhance customer insights and operational efficiency [12][14]. Group 4: Success Stories and Outcomes - Some banks have reported positive outcomes from their corporate WeChat initiatives, such as increased customer engagement and higher transaction volumes [15]. - For instance, a bank in Dongying achieved over 234,900 corporate WeChat friend additions, with a significant portion completing authentication, leading to improved customer activity [15]. - Another bank has successfully provided financial services to nearly a million clients through corporate WeChat, demonstrating its potential as a customer engagement platform [15].

Investment Rating - The report indicates a positive outlook for the banking sector, recommending long-term investments in leading city commercial banks with clear ROE advantages and large banks with low valuations and high dividend yields [2][10]. Core Insights - The banking sector experienced a slight increase at the end of the year, outperforming the CSI 300 and ChiNext indices, driven by risk appetite and institutional allocation behavior [2][10]. - The introduction of interest-bearing digital RMB is expected to enhance the promotional drive for commercial banks and attract more users [8][42]. - The banking sector is undergoing a rebalancing of its operational cycle and investment value, with a focus on establishing a risk bottom line as a foundation for valuation recovery [6][42]. Summary by Sections Banking Sector Performance - The banking index rose by 1.0% this week, outperforming the CSI 300 and ChiNext indices by 1.6% and 2.2% respectively [10]. - Major banks' H-shares generally increased, with Shanghai Pudong Development Bank leading the gains, while Xiamen Bank saw a pullback [10]. Digital RMB - Digital RMB wallets that have undergone real-name authentication will now earn interest at a rate of 0.05%, transitioning from being treated as cash to being managed like demand deposits [8][42]. - The digital RMB's interest-bearing feature is expected to boost commercial banks' promotional efforts and user attraction [42]. Credit Growth - As of the end of November 2025, credit growth rates varied across regions, with Jiangsu, Zhejiang, Sichuan, and Anhui maintaining growth rates above 8%, and Sichuan leading at 10.4% [37]. - Corporate loans remain the primary growth driver, with Jiangsu and Sichuan showing growth rates of 13.6% and 13.0% respectively [37]. Valuation and Investment Strategy - The report highlights that banking stocks are significantly undervalued from a PB-ROE perspective, particularly quality city commercial banks with leading ROE [7]. - The report recommends focusing on quality city commercial banks such as Hangzhou Bank, Nanjing Bank, and Jiangsu Bank, as well as dividend-focused assets like Bank of Communications and China Merchants Bank [7][10].

Core Viewpoint - The National Financial Supervision Administration has intensified its enforcement actions against multiple banks and responsible individuals for illegal and non-compliant business practices, reflecting a commitment to strengthen financial regulation and maintain market order [2][19]. Summary by Category Administrative Penalties - China Construction Bank's Gansu branch was fined RMB 300,000 for reporting errors in non-site supervision data, and the data management department head was fined RMB 50,000 and warned [2][20]. - Agricultural Bank of China's Fuzhou Taijiang branch was fined RMB 800,000 for illegally processing bank card business, with two individuals banned from the banking industry for five years [5][22]. - Agricultural Bank of China's Chongqing Dazhu branch was fined RMB 300,000 for inadequate loan "three checks," and the deputy branch manager was banned for life from the banking industry [6][23]. - Jiangyin Rural Commercial Bank's Suzhou branch was fined RMB 500,000 for lax ticket business review, with a total of RMB 21,284.75 in illegal gains confiscated [8][25]. - Bank of Communications' Taicang branch was fined RMB 350,000 for inadequate checks on working capital loans, and the deputy branch manager was fined RMB 70,000 [9][27]. - Shanghai Pudong Development Bank's Suzhou branch was fined RMB 1,100,000 for poor ticket business review and personal loan management, with multiple managers receiving warnings and fines [11][28]. - Postal Savings Bank's former employee was banned from the banking industry for five years due to serious misconduct in loan business [12][30]. - Agricultural Development Bank's Jingchuan branch was fined RMB 300,000 for inadequate project capital source review and loan condition enforcement [15][32]. Regulatory Trends - The series of penalties demonstrates a "penetrating supervision" and "accountability for negligence" approach, indicating a shift towards stricter regulatory oversight in the banking sector [17][34]. - Industry insiders suggest that regulatory authorities will maintain a high-pressure stance against financial violations, urging banks to enhance compliance awareness and internal control systems [17][34].

Core Viewpoint - The recent salary distribution information for 2024 from China's five major state-owned banks shows an overall increase in average employee compensation, while executive salaries are constrained by strict salary limits, leading to a clear divergence in income trends between employees and executives [2][16]. Employee Compensation - All five major banks reported an increase in average annual employee salaries for 2024, with the following details: - **Bank of Communications**: Total salary of 286.85 billion RMB, 90,700 employees, average salary of 316,400 RMB, up 0.7% year-on-year - **Bank of China**: Total salary of 791.14 billion RMB, 311,300 employees, average salary of 254,100 RMB, up 2.3% - **Agricultural Bank of China**: Total salary of 1,078.95 billion RMB, 455,200 employees, average salary of 237,000 RMB, up 5.2% - **China Construction Bank**: Total salary of 882.76 billion RMB, 376,900 employees, average salary of 234,200 RMB, up 3.3% - **Industrial and Commercial Bank of China**: Total salary of 957.47 billion RMB, 413,800 employees, average salary of 231,400 RMB, up 2.4% [3][17]. - Bank of Communications leads with an average salary of 316,400 RMB, while Agricultural Bank has the highest growth rate of 5.2% [3][17]. Executive Compensation - In contrast to the moderate salary increases for employees, executive compensation is under strict constraints, with a notable trend where "business backbone" salaries exceed those of "administrative leaders." For example, in ICBC, the top three business directors earned: - **Song Jianhua**: 147.46 million RMB - **Tian Fenglin**: 146.70 million RMB - **Xiong Yan**: 132.37 million RMB - In comparison, the chairman and president earned significantly less: **Liao Lin**: 116.65 million RMB, **Liu Jun**: 77.87 million RMB [5][19]. - Overall, executive compensation across the five banks has decreased compared to 2023, reflecting a trend of "tightening budgets" in line with regulatory salary limits and the industry's focus on cost reduction and efficiency [5][19]. Revenue Generation - The increase in employee salaries is closely linked to their revenue-generating capabilities. The top three banks in terms of revenue per employee for 2024 are: - **Bank of Communications**: 2.7137 million RMB - **Bank of China**: 2.0146 million RMB - **China Construction Bank**: 1.9906 million RMB - The top three banks in terms of profit per employee are: - **Bank of Communications**: 979,400 RMB - **China Construction Bank**: 890,500 RMB - **Industrial and Commercial Bank of China**: 881,300 RMB [4][18].

| 姓名 | 目前所任職務 | | --- | --- | | 任德奇 | 董事長、執行董事、戰略委員會主任委員 | | 張寶江 | 副董事長、執行董事、社會責任(ESG)與消費者權益保 | | | 護委員會主任委員、戰略委員會委員 | | 殷久勇 | 執行董事、風險管理與關聯交易控制委員會委員 | | 周萬阜 | 執行董事、社會責任(ESG)與消費者權益保護委員會委 | | | 員 | | 常保升 | 非執行董事、審計委員會委員、社會責任(ESG)與消費 | | | 者權益保護委員會委員 | | 廖宜建 | 非執行董事、人事薪酬委員會委員 | | 陳紹宗 | 非執行董事、社會責任(ESG)與消費者權益保護委員會 | | | 委員 | | 穆國新 | 非執行董事、戰略委員會委員、審計委員會委員 | | 艾棟 | 非執行董事、戰略委員會委員 | | 張向東 | 獨立非執行董事、風險管理與關聯交易控制委員會主 | | | 任委員、審計委員會委員 | 1 | 姓名 | 目前所任職務 | | --- | --- | | 李曉慧 | 獨立非執行董事、審計委員會主任委員、人事薪酬委 | | | 員會委員 | | 馬駿 | ...

智通财经APP讯，交通银行(03328)发布公告，本行近日收到《国家金融监督管理总局关于刘瑞霞交通银 行独立董事任职资格的批复》(金复[2025]776号)，国家金融监督管理总局已核准刘女士任本行独立非执 行董事的任职资格，刘女士已正式就任本行独立非执行董事。 根据本行第十届董事会第二十四次会议决议，刘女士的独立非执行董事任职资格获核准后，石磊先生不 再担任本行独立非执行董事、董事会风险管理与关联交易控制委员会委员、人事薪酬委员会委员。 ...