1月21日金融一线消息，当地时间1月20日，《Brand Finance 2026年全球品牌价值500强榜单报告》在瑞 士达沃斯正式发布。 《Brand Finance 2026年全球品牌价值500强榜单报告》显示，银行业凭借79个品牌，为总价值贡献了 12.5%。其中，13家中国银行品牌以4170亿美元总价值占据行业鳌头，同比增长1.4%。 中国工商银行在榜单中的排名为第12名，凭借908.8亿美元的品牌价值和91.5分的品牌强度指数稳居全球 银行品牌榜首，获得AAA+评级。 上榜的中国银行品牌还有中国建设银行（排名14）、中国银行（排名17）、中国农业银行（排名19）、 招商银行（排名74）、中信银行（排名128）、中国邮政储蓄银行（排名134）、交通银行（排名 167）、上海浦东发展银行（排名272）、兴业银行（排名274）、中国民生银行（排名404）、中国光大 银行（排名461）、恒生银行（排名462）。 | 2025 2026 | | | 2026 2026 | 2026 | 2025 | | --- | --- | --- | --- | --- | --- | | 排名 | 排名 品牌 | | ...

Core Viewpoint - The Bank of China has launched a global financial service plan focused on cross-border clients, enhancing its global service capabilities and addressing the increasing demand for comprehensive financial solutions [1][3]. Group 1: Service Features - The service plan includes five core functions: global account overview, global asset allocation, global convenient remittance, global payroll convenience, and global premium rights [3]. - The integration of the Bank of China's mainland and Hong Kong mobile banking allows for a seamless experience where clients can initiate transactions from one end and view them on both ends [3]. - A specialized strategy system offers a full market, multi-strategy, and multi-currency global product shelf, enabling tailored global asset allocation solutions [3]. Group 2: Cost and Convenience - The service emphasizes four key features: more economical costs, faster remittance, enhanced security, and greater operational convenience for global remittance services [4]. - The "Bank of China Global Payroll" service provides a comprehensive financial ecosystem from enterprises to employees and from individuals to families [5]. Group 3: Global Reach and Publications - Clients can open local Bank of China or Bank of China Hong Kong accounts in over ten countries or regions, enjoying corresponding tiered services with a single identity [5]. - The Bank of China also released the "2026 China Bank Personal Financial Global Asset Allocation White Paper" and the "2026 China High Net Worth Wealth Management White Paper," continuing its commitment to meet client asset allocation needs [5].

Core Insights - The Bank of China has launched a personal financial global service plan based on the "global account" feature, aiming to enhance cross-border financial services and meet the higher demands of cross-border clients [1][3] - The service plan includes five core functions: global account overview, global asset allocation, global convenient remittance, global payroll convenience, and global premium rights [3] - The bank has also released two white papers focused on global asset allocation and wealth management for high-net-worth individuals, continuing its commitment to respond to client asset allocation needs [3] Group 1 - The launch of the global service plan is part of the Bank of China's efforts to optimize cross-border trade and investment facilitation measures [3] - The service aims to provide a one-stop, full-cycle support for cross-border clients, enhancing the accessibility and convenience of financial services [3] - The bank has integrated its mainland and Hong Kong mobile banking services, allowing for a seamless experience where clients can initiate transactions from one end and view them on both ends [3] Group 2 - The bank emphasizes four key features of its global remittance services: cost-effectiveness, speed, security, and convenience [3] - The "Bank of China Global Payroll" service supports a comprehensive financial ecosystem from enterprises to employees and individuals to families [3] - Clients can open local accounts in over ten countries or regions and enjoy corresponding tiered services with a single identity [3] Group 3 - The Bank of China aims to enhance its global service layout with a broader vision, practical measures, and superior services to accompany global clients in creating value [4]

上海高级研修院院长杨益民退休；历任中行任宁波市分行副行长，上海分行副行长，总行个人金融部总 经理，上海金融研修院党委书记、中银大学副校长。 广西区分行行长易光明，拟任上海高级研修院院长；曾任中行海南省分行副行长，2017年5月任西藏分 行行长，2020年调任广西分行行长。 来源：金融人事mini 上周，银行人事分享了中行总行人事变动，本期主要介绍地方分行调整，涉及多家一级分行行长、副行 长。 据了解，上海高级研修院是中行总行的直属机构，主要负责培训项目开发与实施、网络培训系统运维、 教学研发等工作，围绕全行公司金融、个人金融、科技金融、绿色金融、普惠金融、养老金融等领域， 为人才培养及学科建设提供专业支持；同时作为中国银行党校（上海校区），负责开发各类党校课程及 党校培训项目实施。 云南省分行行长俞兆强，拟任广西区分行行长；曾任中行福清分行行长，福建省分行公司金融部总经 理，河北省分行副行长兼雄安分行行长，2023年2月起任中行云南省分行行长。 北京分行副行长李红文，任总行资产负债部副总经理；曾任中行湖北省分行副行长。 上海分行副行长胡辉，任上海分行首席。 陕西省分行副行长高明，任远程银行中心西安分中心总经理 ...

Core Viewpoint - The implementation of the new merger and acquisition loan management regulations by the National Financial Supervision Administration has enabled major state-owned banks to quickly respond and support the real economy through targeted financing solutions, enhancing the effectiveness of financial services in the context of China's economic transformation [1][6]. Group 1: Regulatory Changes - The new regulations, effective from January 1, 2026, introduce several key features, including the inclusion of equity-based merger loans and an increase in the upper limit of controlling merger loans from 60% to 70% of the transaction price [1][6]. - The loan term for controlling merger loans has been extended from seven years to ten years, providing a compliant and efficient financing path for non-controlling strategic investments [1][6]. Group 2: Bank Responses - Major state-owned banks, including ICBC, ABC, BOC, and CCB, have quickly launched equity-based merger loans in various provinces, demonstrating their ability to adapt to regulatory changes and support local economic needs [2][5]. - ICBC's Anhui branch has focused on green industry investments, while ABC and BOC have successfully issued loans to support local enterprises in strategic sectors such as environmental protection and semiconductors [2][5]. Group 3: Market Impact - The new regulations are expected to stimulate the merger and acquisition market by facilitating industry consolidation and transformation, particularly as traditional industries undergo optimization and new industries continue to grow [6][7]. - The financial support for equity investments is seen as a crucial innovation to enhance capital flow, promote resource optimization, and improve the overall efficiency of financial services to the real economy [6][7].

Core Viewpoint - Shenzhen's "15th Five-Year Plan" aims to establish itself as a global "industrial financial center," raising expectations for local financial institutions, particularly banks, in their roles and responsibilities [22][23]. Group 1: Leadership Changes in Shenzhen Banks - Over the past year, at least eight commercial banks in Shenzhen have changed their leadership, including major state-owned banks and leading joint-stock banks [2]. - The appointment of Xiong Tao as the head of the Industrial and Commercial Bank of China (ICBC) Shenzhen branch reflects a strategic move to enhance the bank's focus on technology and innovation [2][4]. - Similarly, Ma Mingjun has been appointed as the head of the Bank of China Shenzhen branch, indicating a strengthened commitment to the Guangdong-Hong Kong-Macao Greater Bay Area [4][7]. Group 2: Key Appointments and Their Implications - Wang Xinghai, a veteran of China Merchants Bank, has taken over as the head of the Shenzhen branch, showcasing the bank's internal talent development strategy [9]. - Ping An Bank has also seen significant leadership changes, with Zhang Chaohui becoming the head of the Shenzhen branch, emphasizing the importance of this branch within the bank's overall strategy [11]. - New leaders at various banks, such as Shang Wencheng of China Everbright Bank and Yuan Rui of Shanghai Pudong Development Bank, are focusing on technology finance and innovative service models to meet the needs of Shenzhen's tech-driven economy [12][15]. Group 3: Strategic Focus on Technology Finance - The new leaders are expected to align their banks' strategies with Shenzhen's identity as a technology innovation hub, emphasizing the importance of "investment-loan linkage" services [12][23]. - The financial institutions are being urged to develop comprehensive service models that support the entire lifecycle of technology enterprises, particularly in critical sectors like semiconductors and advanced manufacturing [12][15]. - The shift towards a more integrated financial service approach reflects a broader trend in which banks are expected to act as "deep partners" and "comprehensive service providers" rather than just capital providers [23]. Group 4: Challenges and Future Directions - The banks in Shenzhen face challenges in transitioning from traditional financing to more complex service models, requiring enhanced risk management and understanding of emerging technologies [23]. - There is a growing need for collaboration with venture capital, insurance, and other financial institutions to meet the comprehensive needs of enterprises [23]. - The emphasis on long-term investment strategies and the establishment of a long-term assessment mechanism are critical for supporting sustainable growth in the technology sector [23].

Core Viewpoint - The Ministry of Finance, the People's Bank of China, and the Financial Regulatory Administration jointly issued a notice to optimize the implementation of personal consumption loan interest subsidy policies, extending the policy duration, expanding the subsidy scope, and adjusting subsidy standards [2][4]. Policy Adjustments - The personal consumption loan interest subsidy policy now covers the period from September 1, 2025, to December 31, 2026, with a new specific implementation period for credit card bill installment subsidies from January 1, 2026, to December 31, 2026 [5]. - The previous restriction on key areas for consumption loans of 50,000 yuan and above has been lifted, allowing consumers to enjoy subsidies for all areas of personal consumption loans [7]. - The subsidy standards have been adjusted to unify the annual subsidy cap for each borrower at 3,000 yuan, with the subsidy shared between personal consumption loans and credit card installment loans [7]. Bank Responses - Major state-owned banks and representative joint-stock banks, including Bank of China, Agricultural Bank of China, Postal Savings Bank, and China Merchants Bank, have quickly responded by issuing detailed implementation guidelines and customer FAQs [2][5]. - Banks have emphasized the convenience of the application process, with various banks providing different channels for customers to apply for subsidies, such as mobile banking and customer service hotlines [8][10]. Implementation and Compliance - Existing customers who have already applied for subsidies will automatically benefit from the new policy without needing to re-sign agreements [9]. - Banks have committed to a "direct deduction" model for subsidy funds, ensuring that no additional fees are charged and that all processes are handled through official channels [10]. - Consumers are warned against fraudulent activities related to subsidy applications, with strict penalties for violations [10].

中国银行将遵循市场化、法治化原则，针对2026年1月1日至2026年12月31日期间成功办理且符合政策规 定的信用卡消费分期、信用卡账单分期、信用卡自由分期（上述三项合并统称为"指定信用卡分期"）开 展财政贴息工作。后续相关办理流程、操作步骤等详细规则，将通过中国银行官方网站等渠道发布，敬 请关注。 2026年1月20日，中国银行（601988）发布公告称，为深入贯彻落实中央经济工作会议精神，持续降低 居民个人消费信贷成本，充分激发消费潜力，中国银行将全力落实并严格执行《关于印发<个人消费贷 款财政贴息政策实施方案>的通知》（财金〔2025〕80号）、《关于优化实施个人消费贷款财政贴息政 策有关事项的通知》（财金〔2026〕1号），切实推动财政贴息政策红利触达广大消费者，以金融赋能 消费市场活力释放。 ...

Core Viewpoint - The newly revised consumer loan interest subsidy policy is expected to stimulate domestic consumption recovery by encouraging banks to increase consumer loan issuance [1][7]. Group 1: Policy Implementation - Major state-owned banks and joint-stock banks, including Agricultural Bank of China, Bank of China, and Postal Savings Bank, have promptly responded to the new consumer loan interest subsidy policy [1][7]. - Postal Savings Bank announced that from September 1, 2025, to December 31, 2026, personal consumption loans used for actual consumption will be eligible for interest subsidies, with credit card bill installments also included in the subsidy scope [2][8]. - The policy removes the previous restriction on single transactions of 50,000 yuan or more for eligible consumption transactions [2][8]. Group 2: Operational Procedures - China Merchants Bank outlined that customers must follow specific procedures to apply for the consumer loan interest subsidy, including signing a supplementary agreement during or after the loan issuance [3][9]. - The bank will calculate the subsidy amount based on the agreed-upon subsidy ratio and cap, directly deducting the subsidy from the interest charged to customers [3][9]. Group 3: Inclusion of More Financial Institutions - The latest policy expansion includes city commercial banks, foreign banks, and consumer finance institutions, which were previously excluded from the interest subsidy program [4][10]. - This expansion aims to enhance fairness and inclusivity in the financial system, encouraging local banks to actively participate in consumer loan issuance [4][10]. - Industry insiders expressed optimism about the inclusion of more consumer finance companies, indicating readiness to implement the policy effectively [5][11].

Group 1 - The conference "Jinrong Huiju, Quality Creates the Future" aims to explore systematic paths for financial empowerment of technological innovation and industrial upgrading, focusing on the development of new quality productivity in the context of the 14th Five-Year Plan [1][2] - The event will feature discussions on how to align financial services with modern technological innovation, with insights from international and domestic experts on investment logic and the role of capital in next-generation technological innovation [1][2] - A roundtable dialogue will focus on building a virtuous cycle among technology, industry, and finance, addressing barriers to the efficient integration of capital, technology, and talent [1][2] Group 2 - The conference will include specialized discussions aimed at addressing the differentiated needs of growth-oriented enterprises and listed companies, particularly focusing on the "pilot" pain points faced by technology-based SMEs in the transformation of achievements [2] - A special financial service plan will be launched on-site by the Bank of China Sichuan Branch to support technology-based SMEs [2] - The event will mark the initiation of the "Financial Ecological Alliance" and "Industrial Fund Cooperation Ecosystem Partners," signifying a substantial step towards building a comprehensive financial service ecosystem [2] Group 3 - The Bank of China Sichuan Branch integrates its development with national strategies, leveraging its global advantages to support the cultivation of new quality productivity, particularly in six key industries and six technological specialties [3] - Over the past five years, the bank has supported the development of strategic emerging industries, achieving a loan balance of over 93 billion yuan for strategic emerging industries, with an annual growth rate of nearly 50% [3] - The bank has provided services to over 4,100 enterprises, with an annual growth rate exceeding 42%, and has a technology finance loan balance of nearly 70 billion yuan, growing at over 33% annually [3] Group 4 - Penghua Fund, a long-established fund company, emphasizes a long-term approach and integrates investment research to support the development of the real economy and wealth growth [4] - The fund has developed a complete ecosystem of science and technology ETFs, launching 12 products with a total scale of nearly 40 billion yuan, covering various strategies and themes [4] - This product matrix allows investors to flexibly allocate assets across a range of technology leaders and emerging stars, facilitating investment in China's technological future [4] Group 5 - The Bank of China Sichuan Branch and Penghua Fund will continue to enhance financial service systems, innovate financial products, and strengthen collaboration mechanisms to better support innovation and drive high-quality economic development [5]