根据中国银行股份有限公司深圳市分行（下称"中国银行"）与中国信达资产管理股份有限公司深圳市分 公司（下称"中国信达深圳分公司"）于2025年9月22日签署的《不良资产批量转让协议》，中国银行已 将其对《公告清单》（详见附件）所列借款人及其担保人享有的主债权及担保合同项下的全部权利，依 法批量转让给中国信达深圳分公司。中国银行及信达资产特联合公告通知各借款人及担保人以及相关债 务承继人（如有）。 中国信达深圳分公司作为上述债权的受让方，现公告要求《公告清单》中所列借款人及其担保人（包括 相关债务承继人），从公告之日起立即向中国信达深圳分公司履行主债权合同及相关文件约定的还本付 息义务及其他相应义务。本公告未尽事宜，以双方签订的转让合同为准。 特此公告。 中国银行股份有限公司深圳市分行 中国信达资产管理股份有限公司深圳市分公司 2026年1月23日 注：1.《公告清单》仅列示截至转让基准日（转让基准日为2025年8月6日）的债权本金余额，借款人和 担保人（包括相关债务承继人）及义务主体应支付的利息、罚息、复利、违约金及其它应付款，按借款 合同、担保合同及中国人民银行的有关规定或生效法律文书确定的为准。已经进入诉讼 ...

Core Viewpoint - The China Bank Yunnan Branch is implementing a special initiative titled "Financial Knowledge into Villages, Protecting Rights and Warming Hearts" to enhance financial education and consumer rights protection in rural areas since 2025 [1]. Group 1: Promotion of Financial Education - The China Bank branches in Qujing, Wenshan, and Kunming are advancing financial education by setting up mobile promotion stations, hanging banners, and distributing materials in local dialects to explain practical knowledge such as fraud prevention, deposit insurance, personal credit, and agricultural loans [1]. - The China Bank Puer Branch is targeting employees in enterprises to raise awareness about consumer rights protection and the dangers of illegal fundraising and telecom fraud, thereby enhancing the risk prevention capabilities of wage earners [1]. Group 2: Enhancing Rural Outreach - The China Bank Xishuangbanna Branch is leveraging local language skills by forming a promotional team fluent in ethnic languages to conduct on-site explanations and Q&A sessions [1]. - The China Bank Chuxiong Branch and Kunming Guandu Branch are utilizing real case studies of fraud and illegal fundraising in their promotions, transforming abstract legal concepts into relatable stories to enhance the warning effect [2]. Group 3: Tailored Approaches for Rural Empowerment - The China Bank Yuxi New Ping Branch is promoting the importance of integrity and credit records in rural areas, explaining the role of personal credit reports and methods to maintain good credit, while advocating for a social ethos of "benefits for trustworthiness, penalties for dishonesty" [3]. - The China Bank Lijiang Branch is focusing on improving residents' abilities to identify and resist telecom fraud and illegal fundraising, while also introducing agricultural loans and inclusive credit policies to integrate financial education with services effectively [3].

Group 1 - The core viewpoint of the news is the comprehensive upgrade of the consumer loan "national subsidy" policy, which includes extending the policy deadline to the end of this year and incorporating credit card bill installment services into the support scope [1] - The annual subsidy rate for credit card bill installments is set at 1%, which is a significant highlight of the policy upgrade that consumers are concerned about [1] - Financial institutions such as China Construction Bank and Agricultural Bank of China have clarified the application process for credit card bill installment subsidies, emphasizing that the process remains generally the same but requires signing specific agreements [1] Group 2 - Credit card holders can enjoy consumer credit support through bill installments without needing to apply for personal consumer loans, making it more convenient and often at lower rates than credit card overdrafts, which can effectively enhance consumer willingness and capacity [2] - Major banks like Industrial and Commercial Bank of China and Bank of China have stated that loans with completed subsidy applications do not need to re-sign subsidy agreements, and transactions from January 1, 2026, will automatically apply the latest subsidy policy [2] - The policy has expanded the range of institutions eligible for subsidies, including city commercial banks, rural cooperative financial institutions, foreign banks, consumer finance companies, and auto finance companies, which will help boost consumption in lower-tier cities and rural areas [2]

Core Insights - Gold prices have been on the rise since 2025, leading to a surge in demand for gold-linked structured deposit products from various banks, with some products offering annualized returns as high as 8% [1] Group 1: Product Offerings - Multiple banks have launched gold-linked structured deposit products, with variations in minimum investment, duration, and yield, resulting in some popular products being sold out [1] - China Bank introduced a product with a minimum investment of 10,000 yuan and a term of 87 days, offering an annualized yield ranging from 0.2% to 5.2% [2] - Other banks, such as the Bank of Communications and Minsheng Bank, have also released competitive products with varying yields and investment thresholds [2] Group 2: Market Trends - As of December 2025, the balance of structured deposits in Chinese banks reached 4.25 trillion yuan, marking a year-on-year growth of 6.01%, with unit structured deposits accounting for 69.49% of the total [3] - The trend of companies investing in structured deposits has increased, with numerous A-share companies announcing investments in gold-linked products [3] Group 3: Investment Appeal - The popularity of structured deposits is attributed to their dual advantages of capital protection and higher returns compared to traditional savings, especially in a low-interest-rate environment [4] - The rising gold prices, driven by its safe-haven and anti-inflation properties, have made gold-linked structured deposits attractive for investors seeking to capitalize on market gains [5]

Group 1 - The Ministry of Finance, the People's Bank of China, and the Financial Regulatory Administration announced the optimization of the personal consumption loan interest subsidy policy, which has been positively received by major banks [1] - The implementation period for the personal consumption loan interest subsidy policy has been extended to the end of 2026, and restrictions on consumption fields for loans of 50,000 yuan and above have been removed [1] - Several banks, including China Bank and Bank of Communications, have stated that loans with completed subsidy applications will automatically apply the new subsidy policy starting from January 1, 2026, without the need for customers to re-sign subsidy agreements [1] Group 2 - The policy has expanded the range of institutions eligible to process personal consumption loan interest subsidies, including city commercial banks, rural cooperative financial institutions, foreign banks, and consumer finance companies [2] - The optimization of the policy is expected to stimulate consumption in third- and fourth-tier cities and rural areas, which are significant growth points for China's consumption market [2] - Several county-level financial institutions have also announced their participation in the subsidy program, indicating a broader reach of the policy [2]

Core Viewpoint - Major Chinese banks have collectively announced the optimization of personal consumption loan fiscal subsidy policies, extending the implementation period and expanding the support scope for consumers [1][2]. Group 1: Policy Extensions - The implementation period for the personal consumption loan fiscal subsidy policy has been extended to December 31, 2026 [2]. - Loans signed under the previous fiscal subsidy service agreement will automatically apply the latest subsidy policy for consumption occurring after January 1, 2026, without the need for re-signing agreements [1]. Group 2: Expanded Support - The support scope has been expanded to include credit card bill installment services [2]. - Restrictions on single transactions of 50,000 yuan and above have been removed, allowing for broader access to subsidies [2]. Group 3: Enhanced Subsidy Standards - The subsidy standard has been improved by removing the cap of 500 yuan on single transaction subsidies [2]. - The previous limit of 1,000 yuan on cumulative subsidies for each borrower at a single institution for transactions below 50,000 yuan has also been eliminated [2].

Core Viewpoint - The article discusses the implementation of the latest fiscal interest subsidy policy for personal consumption loans by six major state-owned banks in China, following the announcement by the Ministry of Finance, the People's Bank of China, and the Financial Regulatory Bureau [2]. Group 1: Policy Optimization - The Industrial and Commercial Bank of China (ICBC) outlines four main areas of optimization for the subsidy policy: extending the policy period to the end of 2026, including credit card installment payments in the support scope, removing the restriction on consumption fields above 50,000 yuan, and raising the subsidy standards by eliminating the 500 yuan cap on single transaction subsidies and the 1,000 yuan cap for individual borrowers at the same financial institution [4]. Group 2: Implementation Details - China Construction Bank states that customers must sign a service agreement to enjoy the fiscal subsidy, allowing the bank to access transaction information to identify eligible consumption transactions. The subsidy amount will be automatically deducted from the interest due on the loan during repayment. If transactions are not automatically recognized, customers can submit receipts for manual verification [5]. - Bank of China mentions that loans already approved for subsidies will not require a new agreement, and transactions from January 1, 2026, will automatically apply the new subsidy policy [5]. - Agricultural Bank of China warns that fraudulent activities related to subsidy claims will not be subsidized, and any previously granted subsidies may be deducted or reclaimed [5]. - The Bank of Communications emphasizes adherence to market-oriented and legal principles for eligible loans and credit card installments, with violations affecting credit records and subject to legal consequences [6]. - Postal Savings Bank clarifies that no additional fees will be charged for personal consumption loans beyond the agreed interest, and any fees collected under false pretenses are considered fraud [6].

Group 1 - The core viewpoint of the news is that major Chinese banks have announced the implementation of an optimized personal consumption loan subsidy policy, extending its benefits and expanding its scope [1][2][3] Group 2 - The implementation period for the personal consumption loan subsidy policy has been extended to December 31, 2026 [1] - The support scope has been expanded to include credit card bill installment services [1] - The subsidy field has been broadened by removing the restriction on single transactions of 50,000 yuan and above [2] - The subsidy standards have been improved by eliminating the 500 yuan cap on single transaction subsidies and the 1,000 yuan cumulative subsidy limit for borrowers at a single institution [2] - Existing loan agreements signed under the previous subsidy policy will automatically apply the new subsidy terms for transactions occurring after January 1, 2026, without the need for re-signing [2]

Core Viewpoint - Major Chinese banks have announced the implementation of an optimized personal consumption loan subsidy policy, extending its duration and expanding its scope to support consumer spending [1] Group 1: Policy Implementation - The implementation period for the personal consumption loan subsidy policy has been extended to December 31, 2026 [1] - The scope of support has been expanded to include credit card installment payment services [1] Group 2: Subsidy Expansion - The subsidy field has been broadened by removing the restriction on single transactions of 50,000 yuan and above [1] - The subsidy standard has been improved by eliminating the cap of 500 yuan on single transaction subsidies and the previous limit of 1,000 yuan for cumulative subsidies under 50,000 yuan per borrower at a single institution [1] Group 3: Existing Agreements - For loans that have already signed the personal consumption loan subsidy service agreement, any consumption occurring after January 1, 2026, will automatically apply the latest subsidy policy without the need to re-sign the agreement [1]

Core Viewpoint - Saudi Arabian Mining Company (Maaden) has initiated the issuance of USD-denominated sukuk under its International Sukuk Issuance Program to meet its general corporate needs [2][6]. Group 1: Sukuk Issuance Details - The sukuk will be offered to qualified investors both inside and outside Saudi Arabia, with the size and terms of the issuance to be determined based on market conditions [3]. - The minimum subscription for the sukuk is set at $200,000, with increments of $1,000 [5]. - The issuance is scheduled to start on January 22, 2026, and end on January 29, 2026 [5]. Group 2: Management and Structure - The sukuk issuance will be managed by a consortium of financial institutions including Albilad Capital, AlJazira Capital, and others, with joint lead managers such as BNP Paribas, Citigroup Global, and Goldman Sachs International [5]. - The issue price and return of the sukuk will also be determined based on market conditions [5]. Group 3: Program Background - Maaden's International Sukuk Issuance Program was established on February 4, 2025, following a board decision made on December 15, 2025 [6].