Core Viewpoint - Banks are adjusting their transaction notification services by raising the threshold for free SMS alerts, reflecting a strategic shift towards digital channels and cost management in response to narrowing interest margins [1][4]. Group 1: Bank Adjustments - Starting from March 16, 2025, China Merchants Bank will no longer send SMS notifications for transactions below 5,000 yuan, aiming to optimize customer service and reduce unnecessary notifications [1]. - Other banks, such as CITIC Bank and Xinjiang Rural Commercial Bank, are also raising their SMS notification thresholds, with CITIC Bank setting it at 300 yuan and Xinjiang Rural Commercial Bank at 100 yuan [2][3]. Group 2: Customer Experience - Banks are encouraging customers to use their apps and online platforms for transaction notifications, which are offered for free, as a way to enhance customer experience and reduce reliance on SMS [2][3]. - Some customers express discomfort with the transition from free to paid SMS services, while younger customers are less affected as they primarily use mobile banking for account monitoring [3]. Group 3: Industry Trends - The shift from free SMS notifications to a paid model is part of a broader trend in the banking industry towards digital transformation, as banks seek to cut costs and focus on more competitive business areas [4]. - The development of mobile banking and digital channels allows banks to provide a range of services beyond transaction notifications, including account inquiries and online customer service [4].

Group 1 - The Invesco Great Wall CSI National New Hong Kong Stock Connect Central Enterprise Dividend ETF (520990) closed at a gain of 0.86% with a trading volume of 116 million yuan on February 11 [1] - The fund was established on June 26, 2024, with an annual management fee of 0.50% and a custody fee of 0.10% [1] - As of February 10, 2025, the fund's latest share count was 5.766 billion shares, with a total size of 6.088 billion yuan, reflecting a 1.50% increase in shares and a 7.16% increase in size year-to-date [1] Group 2 - The current fund managers are Gong Lili and Wang Yang, with returns of 24.42% and 10.08% respectively during their management periods [2] - The latest report indicates that the top holdings of the fund include China National Offshore Oil Corporation, China Shenhua Energy, China Petroleum & Chemical Corporation, and China Mobile, among others [2] Group 3 - The top holdings and their respective weights in the fund are as follows: - China National Offshore Oil Corporation: 10.04% with a market value of 571 million yuan - China Shenhua Energy: 9.99% with a market value of 568 million yuan - China Petroleum & Chemical Corporation: 9.82% with a market value of 558 million yuan - China Mobile: 9.65% with a market value of 548 million yuan - China National Petroleum Corporation: 8.21% with a market value of 467 million yuan - COSCO Shipping Holdings: 5.74% with a market value of 326 million yuan - China Telecom: 4.76% with a market value of 270 million yuan - China Unicom: 3.14% with a market value of 179 million yuan - China Tower: 2.83% with a market value of 161 million yuan - China Merchants Bank: 2.07% with a market value of 118 million yuan [3]

Group 1 - The article highlights the top three companies with the highest AH premium rates: Northeast Electric (00042) at 831.03%, Beijing Jingcheng Machinery Electric (00187) at 291.45%, and Sinopec Oilfield Service (01033) at 288.17% [1] - The bottom three companies with the lowest AH premium rates are Contemporary Amperex Technology (03750) at -12.59%, WuXi AppTec (02359) at -4.58%, and China Merchants Bank (03968) at -4.48% [1] - The article provides a detailed ranking of the top ten and bottom ten AH stocks based on their premium rates and deviation values, indicating significant disparities in market valuations between H-shares and A-shares [1][2] Group 2 - The deviation values for the top three companies are Beijing Jingcheng Machinery Electric (00187) at 27.77%, Jinju Group (02009) at 19.35%, and Kai Sheng New Energy (01108) at 16.80% [1] - The bottom three companies with the most negative deviation values are Junda Co., Ltd. (02865) at -60.53%, Chenming Paper (01812) at -32.02%, and CNOOC Services (02883) at -31.42% [1][2] - The article emphasizes that the deviation value represents the difference between the current premium rate and the average premium rate over the past 30 days, providing insights into market trends [2]

｜广告｜ 其它热门卡片 8 8 8 8 8 FRIXE 美国运通百夫长卡 出行优选 新户达标领200元火车票、 300元打车券等多选一 招商娱行 PT88 8888 8888 514 *** 88/88 88/88 VISA卡 出国神器 新户达标领品牌精美包包 等好礼多选一 点此申请 工程师信用卡(NEW) 新户达标领CHERRY 机械键盘等好礼多选一 点此申请 点此申请 天猫超市联名卡 新户达标领88元还款金 或10张10元消费金 星巴克联名卡 新户达标领6杯星巴克咖啡 或定制杯一个(颜色可选) 星座守护卡(HOT 新户达标领品牌拉杆箱 等好礼多选一 新户达标领饿了么年卡 及50元外卖优惠券 点此申请 点此申请 点此申请 点此申请 查看更多卡片 持卡精彩权益 LIN 吃大餐 周三5折享美食 享好礼 积分可兑缤纷好礼 VIP ◆新户推荐办卡限时特权◆ 推荐人礼遇 被推荐人礼遇 推荐1人达标好礼多选一 亲友首刷达标好礼多选一 去推荐 注:如推荐人为新申请用户,需等卡片核发后才能领取推荐达标奖品。 2 [票]: 運直屬在 游了么 饿了么联名卡 已持卡人加办信用卡 若您已持有招商银行信用卡,可戳此链接加办。加办的信 ...

Core Viewpoint - A new round of deposit interest rate cuts has begun, with major banks reducing rates on large-denomination certificates of deposit (CDs), indicating a shift in the banking sector aimed at alleviating interest margin pressure and better serving the real economy [1][5]. Group 1: Interest Rate Changes - Major state-owned banks have lowered the annualized interest rates on 1-month and 3-month large-denomination CDs to below 1%, with some products seeing a maximum reduction of 35 basis points [1][2]. - The latest rates for China Bank's CDs are 0.9% for 1-month and 3-month terms, and 1.1% for 6-month terms, marking a significant decrease from previous rates [2][3]. - Other banks, including Industrial and Agricultural Banks, have also reduced their 1-month and 3-month CD rates to 0.9% [4]. Group 2: Implications for Banks and Investors - The reduction in deposit rates is expected to help stabilize banks' net interest margins, which have been under pressure, as evidenced by a 9 basis point decline to 1.43% in the first quarter of this year [5][6]. - Analysts suggest that investors should adjust their expectations for investment returns and consider a diversified asset allocation strategy, including cash management products and government bonds, in light of declining deposit rates [6].

Group 1 - The core point of the article is that China Merchants Bank Co., Ltd. has obtained a patent for a method related to bitmap-based test data query, indicating its focus on innovation and technology development [1] - The patent was granted with the announcement number CN116991899B, and the application date was August 2023 [1] - China Merchants Bank, established in 1987 and located in Shenzhen, primarily engages in monetary financial services, with a registered capital of approximately 25.22 billion RMB [1] Group 2 - According to data from Tianyancha, China Merchants Bank has made investments in 15 companies and participated in 5,000 bidding projects [1] - The bank holds 1,330 trademark registrations and 2,307 patent records, showcasing its extensive intellectual property portfolio [1] - Additionally, the bank possesses 433 administrative licenses, reflecting its compliance and operational capabilities [1]

来源：财经众议院 2月10日，最高检官网发布消息，招商银行原副行长王庆彬被提起公诉。 出生于1956年12月的王庆彬，今年已近70岁，在落马"金融虎"中仅次于70岁被查的蔡鄂生。 财经众议院注意到，王庆彬被查和被公诉时，其头衔为"招商局融资租赁有限公司原党委书记、董事 长"，但其涉罪事实均发生在其任职招商银行期间，未涉及招商局融资租赁有限公司以及更早时期的中 国建设银行。 王庆彬2025年9月被查时，已经卸任招商银行副行长9年，卸任招商局融资租赁有限公司董事长4年。 但王庆彬曾执掌招商银行济南分行、北京分行、上海分行，再加之担任总行行长助理和副行长，在招行 体系内可谓位高权重。 检察机关起诉指控：被告人王庆彬利用担任招商银行济南分行行长、北京分行行长、总行副行长等职务 上的便利，为他人在贷款授信、贷款审批、员工招聘等事宜上提供帮助，非法收受他人财物，数额特别 巨大，依法应当以受贿罪追究其刑事责任。 资料显示，王庆彬1956年12月出生，其职业生涯起步于建设银行系统，早年任职于建设银行，曾任建设 银行山东省分行综合计划处副处长、处长，济南分行行长，建设银行山东省分行副行长兼济南分行行 长。 2000年5月，王庆 ...

【导读】3年定存利率最高达1.8%！春节将至，各家银行开展"压岁钱"专属服务中国基金报记者 马嘉昕 新春佳节，是小朋友们最开心收"压岁钱"的时刻。多家银行紧随节日步伐，推出针对儿童和青少年群体 的专属账户、"压岁钱"储蓄计划等创新金融服务，并在相关存款利率上给予一定"优惠"。 多家银行瞄准"压岁钱"开展专属服务 2月10日，记者在招商银行手机银行App上看到，该行在春节期间针对"压岁钱"在"热门活动"界面推出了 专属直达路径，还有多款亲子账户、专属存款服务等。 招商银行宣传页面显示，该行上线了"金小葵"管家服务，为客户提供亲子账户，并包含"宝贝银行卡管 理"和"家长教育专项账户"两大功能，可帮助孩子管理银行卡，在家长名下为子女创建专属账户，实现 专款专用。同时，为了吸引客户参与，在1月至3月期间，金卡M1及以上客户只要在专属账户存款5万 元，就有机会抽奖。同时，在存款利率方面，该行一年期存款年化利率为1.3%，两年期存款利率为 1.4%，存款利率均较普通存款利率有一定提升。 值得注意的是，在招商银行推出的"金小葵"管家服务中，"压岁钱"的规划方向不仅有儿童黄金系列产 品，还有3年期利率存款产品以及教育金和婚嫁 ...

新春佳节，是小朋友们最开心收"压岁钱"的时刻。多家银行紧随节日步伐，推出针对儿童和青少年群体的专属账户、"压岁 钱"储蓄计划等创新金融服务，并在相关存款利率上给予一定"优惠"。 多家银行瞄准"压岁钱"开展专属服务 中国基金报记者马嘉昕 2月10日，记者在招商银行手机银行App上看到，该行在春节期间针对"压岁钱"在"热门活动"界面推出了专属直达路径，还有多 款亲子账户、专属存款服务等。 【导读】3年定存利率最高达1.8%！春节将至，各家银行开展"压岁钱"专属服务 从传统"揽储"向深化客户服务体验转型 记者观察到，近年来，各家银行不断加大对"压岁钱"揽储的营销力度，模式也从单一的"储蓄吸储"向构建"账户+教育+陪伴"的 全周期儿童金融服务体系转型，在专属产品的营销设计上更为贴合客户需求，并且以差异化的创新服务方式增强客户黏性。 招商银行宣传页面显示，该行上线了"金小葵"管家服务，为客户提供亲子账户，并包含"宝贝银行卡管理"和"家长教育专项账 户"两大功能，可帮助孩子管理银行卡，在家长名下为子女创建专属账户，实现专款专用。 同时，为了吸引客户参与，在1月至3月期间，金卡M1及以上客户只要在专属账户存款5万元，就有机 ...

Group 1 - The company announced that starting from February 11, 2026, investors can open accounts, subscribe, redeem, and perform regular investment and conversion operations for certain funds through Chuangjin Qifu [1] - The company has signed a supplementary sales agreement with Beijing Chuangjin Qifu Fund Sales Co., Ltd. to enhance service offerings to investors [1] - Investors can enjoy fee discounts when subscribing or performing regular investment and conversion operations through Chuangjin Qifu, with the specifics determined by Chuangjin Qifu [2] Group 2 - The company will suspend subscription, conversion, and regular investment operations for the Ping An Jin Guanjia Money Market Fund from February 12 to February 23, 2026, while redemption and conversion out operations will continue [4][6] - The Ping An Zhongzheng Interbank Certificate of Deposit AAA Index 7-Day Holding Period Securities Investment Fund will also suspend similar operations during the same period [8][10] - The company will resume these operations on February 24, 2026, and will not issue further announcements regarding this resumption [4][8] Group 3 - The company has appointed Fangzheng Securities Co., Ltd. as a liquidity service provider for the Ping An Hang Seng Hong Kong Stock Connect Technology Theme ETF, effective February 11, 2026 [12] - The company has announced the establishment of the Ping An New Sharp Quantitative Stock Selection Mixed Fund, with the fund contract becoming effective on February 11, 2026 [21][22] - The company will handle subscription and redemption operations for the new fund within three months of the fund contract's effectiveness [22]