Core Insights - The total scale of wealth management products sold by 11 national banks reached 13.46 trillion yuan by December 2025, showing a decrease of 1.05% from November but a growth of 10% compared to the beginning of the year [1] Group 1: Wealth Management Market Trends - The data indicates a "quarter-end contraction" characteristic in the wealth management sector during the last two months of the year [1] - The growth in wealth management scale is largely driven by the "deposit migration" logic, suggesting a shift in consumer behavior towards wealth management products [1] Group 2: Bank Performance - Postal Savings Bank exhibited a strong growth rate of 27.2% for the year, leading among the 11 banks in the study [1] - China Merchants Bank, known as the "king of retail," recorded a growth of 12.2% from the beginning of the year, placing it second in growth rate [1] Group 3: Strategic Insights - Analysts suggest that the key to significant growth for these banks lies in their extensive and down-market channels, as well as a strategic shift towards "product allocation" [1]

Core Viewpoint - The announcement by China Merchants Bank outlines the implementation of interest subsidies for loans to small and micro enterprises and service industry operators, in line with national policies aimed at boosting the private economy and domestic demand [1][2]. Group 1: Loan Subsidy Implementation - Starting from January 1, 2026, the bank will provide interest subsidies for fixed asset loans to eligible small and micro private enterprises and service industry operators [1]. - Loans issued between March 16, 2025, and December 31, 2025, will continue to be processed under the existing subsidy policies [1]. - The bank aims to streamline the application process and simplify procedures to ensure the prompt implementation of these policies [1]. Group 2: Customer Advisory - The bank emphasizes that there will be no additional fees for processing these loan subsidies and warns customers to be cautious of potential scams [1]. - Customers are encouraged to reach out to bank branches or the customer service hotline for any inquiries [1].

中国经济网北京1月29日讯 今日，东方证券资管发布东方红景瑞精选混合型证券投资基金基金合同 生效公告。 募集期间净认购金额1,455,276,951.73元，认购资金在募集期间产生的利息290,831.32元，募集份额 合计1,455,567,783.05份。 | 2. 基金系条情况 | | | | | --- | --- | --- | --- | | 基金募集申请获中国 | 证监许可[2025] 1651 号 | | | | 证监会被准的文号 | | | | | 基金晶集期间 | 自 2026年1月12日至2026年1月23日止 | | | | 脸资机构名称 | 德勤华永会计师事务所(特殊普通合伙) | | | | 募集资金划入基金托 | 2026年1月27日 | | | | 管专户的日期 | | | | | 幕集有效认购总户数 | | | 5485 | | (单位:户) | | | | | 份额增别 | 东方红景观精选混合 A | 东方红景瑞诗漫合 C | 省计 | | 基集期间净认购企额 | 1.076.006.740. 57 | 379, 270, 211, 16 | 1, 455, 276, 95 ...

感谢您对招商银行一如既往的支持！ 章程公示期截至2026年2月10日，公示期满后此次修订生效，如有疑问，欢迎致电招商银行客户服务热 线95555咨询。 2026年1月28日，招商银行（600036）发布公告称，为更好地为您提供"一卡通"服务，根据实际业务开 展需要，招商银行将对《招商银行"一卡通"章程》（下称章程）的部分条款进行修订，新版章程详见附 件。 ...

Core Viewpoint - The new policy on credit card installment interest subsidies aims to enhance consumer spending by including credit card bill installment services in the subsidy scope, thereby reducing the financial burden on consumers and stimulating consumption potential [1][4]. Group 1: Policy Implementation - The Ministry of Finance, the People's Bank of China, and the National Financial Regulatory Administration issued a notification that includes credit card bill installment services in the subsidy scope with a uniform annual subsidy rate of 1% [1]. - Major state-owned banks and some joint-stock banks have quickly responded by releasing implementation details, simplifying processes, and enhancing risk control measures to ensure effective policy execution [2][3]. - The policy reflects a strong public demand for support in consumer financing, aligning with the principle of "people-centered" policy design [2]. Group 2: Consumer Benefits - The subsidy allows consumers to save approximately 270 yuan in interest over a year when using a 50,000 yuan credit card bill divided into 12 installments [4]. - The policy is expected to significantly alleviate financial pressure on large purchases such as home appliances, cars, and education, thus converting latent consumer demand into actual purchasing behavior [4][5]. - The annual cap for total subsidies has been raised to 3,000 yuan per borrower, with the removal of previous limits on single transaction subsidies [5]. Group 3: Bank Responses and Services - Six major banks have clarified that existing customers with signed agreements will automatically benefit from the new policy without needing to re-sign [2]. - Banks like Agricultural Bank and Postal Savings Bank have outlined the steps for new customers to apply for the credit card installment interest subsidy, emphasizing a simplified process [2][3]. - The banks have committed to not charging any fees for processing the subsidy applications, ensuring a cost-free experience for consumers [8]. Group 4: Market Impact and Growth Potential - The policy is anticipated to drive growth in credit card installment services, especially as consumer awareness increases leading up to the Spring Festival [6]. - Smaller financial institutions are also preparing to implement similar measures, which will help extend the benefits to lower-tier cities and meet diverse consumer needs [6]. - The inclusion of credit card installments in the subsidy program is seen as a crucial step in supporting consumption expansion and improving the quality of financial services [7].

该行后续将持续关注黄金市场变动情况，适时对上述起点金额进行调整，具体调整情况将通过招商银行 官网等渠道另行发布。 招商银行表示，近期贵金属价格波动加剧，请客户提高贵金属业务的风险防范意识，基于自身财务状 况、风险承受能力及投资经验，理性开展贵金属投资活动，合理控制仓位，注意分散配置，避免单一重 仓贵金属。 1月27日，招商银行（600036）发布公告称，根据黄金积存业务相关监管规定，为顺应市场形势变化， 加强业务风险管理，该行将对零售黄金账户业务进行调整，具体如下： 自北京时间2026年2月2日起，黄金账户活期及黄金账户定投按金额认购的起点调整为1200元。调整前已 设置成功的定投计划（含普通定投与智能定投）将继续执行，不受影响。调整后新发起的定投计划金额 须满足该行最新起点要求。 ...

Group 1 - The article promotes various credit card offerings with attractive benefits for new users, including fee waivers and rewards [4][21][12] - Specific cards mentioned include the Engineer Credit Card, American Express Centurion Card, and Starbucks Co-branded Card, each offering unique rewards for new applicants [7][8][16] - The article emphasizes limited-time offers for referrals, where both the referrer and the referred can receive rewards upon meeting certain criteria [21][25] Group 2 - New users can receive significant bonuses such as cash back, gift cards, or branded merchandise upon meeting spending requirements [4][19][20] - The promotional activities are designed to attract new customers and encourage existing cardholders to apply for additional cards [23][30] - The article highlights the convenience of managing payments, investments, and loans through a single app, enhancing user experience [27]

Core Viewpoint - The report highlights the AH premium rates of various stocks, indicating significant disparities between H-shares and A-shares, with some stocks showing extremely high premiums while others exhibit negative premiums [1][2]. Group 1: Top AH Premium Rates - Northeast Electric (00042) leads with an AH premium rate of 847.37%, followed by Zhejiang Shibao (01057) at 349.31% and Beijing Jingcheng Machinery Electric (00187) at 279.42% [1][2]. - The lowest AH premium rates are recorded for Contemporary Amperex Technology (03750) at -14.34%, China Merchants Bank (03968) at -4.99%, and Heng Rui Medicine (01276) at -1.15% [1][2]. Group 2: Top AH Deviation Values - Junshi Biosciences (01877) has the highest deviation value at 22.43%, followed closely by Beijing Jingcheng Machinery Electric (00187) at 22.18% and CanSino Biologics (06185) at 21.90% [1][3]. - The lowest deviation values are observed in Changfei Optical Fiber (06869) at -50.58%, Zhejiang Shibao (01057) at -45.38%, and Nanhua Futures (02691) at -27.12% [1][4]. Group 3: Detailed AH Premium and Deviation Rankings - The top ten AH stocks by premium rate include companies like Hongye Futures (03678) with a premium of 271.30% and Sinopec Oilfield Service (01033) at 248.51% [2]. - The bottom ten AH stocks by premium rate include WuXi AppTec (02359) with a slight premium of 0.42% and Midea Group (00300) at 6.75% [2]. - The top ten stocks by deviation also feature companies like Goldwind (02208) at 19.35% and Andeli Juice (02218) at 19.04% [3].

果然财经|招行上调积存金业务门槛，银行黄金挂钩结构性存款热销 受国际贵金属价格持续上涨影响，据北京商报报道，招商银行于2026年1月28日发布通告，将对零售黄 金账户业务进行调整。自北京时间2026年2月2日起，招商银行黄金账户活期及黄金账户定投按金额认购 的起点将调整为1200元。 热门评论我要评论 微信扫码 移动端评论 暂无评论 鲁ICP备15022957号-13 鲁公网安备 37010202002220号 鲁新网备案号201000101 电信增值业务许可证： 鲁B2-20120085 果然财经|招行上调积存金业务门槛，银行黄金挂钩结构性存款热销 大众报业·齐鲁壹点57分钟前 齐鲁晚报·齐鲁壹点 版权所有(C) All Rights Reserved 联系电话：0531-82625462邮箱： 1790179766@qq.com ...

1月28日金融一线消息，由新浪财经主办的"2025（第十三届）银行综合评选"活动获奖名单今日正式揭 晓！招商银行信用卡中心获"年度最佳信用卡品牌奖"。 本次评选活动从多领域、多视角对银行机构进行了综合评估，最终评选出多家行业佼佼者，充分体现了 银行业的发展趋势和行业标杆。本次获奖银行在过去一年的发展中展现了卓越的综合实力和优秀的专业 素养，期待在未来能够继续发挥自身优势，坚守初心和使命，为银行业高质量发展与金融强国建设贡献 更多力量。 责任编辑：曹睿潼 1月28日金融一线消息，由新浪财经主办的"2025（第十三届）银行综合评选"活动获奖名单今日正式揭 晓！招商银行信用卡中心获"年度最佳信用卡品牌奖"。 本次评选活动从多领域、多视角对银行机构进行了综合评估，最终评选出多家行业佼佼者，充分体现了 银行业的发展趋势和行业标杆。本次获奖银行在过去一年的发展中展现了卓越的综合实力和优秀的专业 素养，期待在未来能够继续发挥自身优势，坚守初心和使命，为银行业高质量发展与金融强国建设贡献 更多力量。 责任编辑：曹睿潼 ...