答：根据《通知》要求，将信用卡账单分期业务纳入支持范围，年贴息比例为1个百分点，最高不超过 分期协议年化利率的50%。 2026年1月22日，中国光大银行发布公告称，为深入贯彻落实党中央、国务院决策部署，加力提振消 费、扩大内需，持续降低居民个人消费信贷成本，提升居民消费意愿，中国光大银行积极有序推进个人 消费贷款财政贴息工作。近日，财政部等相关部门联合发布《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，以下简称《通知》)，中国光大银行积极贯彻落实贴息优化政 策，现将客户集中关注的问题解答如下： 1.现行办理消费贷款贴息起止时间? 答：根据《通知》要求，个人消费贷款贴息办理时间为2025年9月1日至2026年12月31日;信用卡账单分 期贴息办理时间为2026年1月1日至2026年12月31日。 2.本次政策优化后贴息增加了哪些范围? 答：根据《通知》要求，本次贴息优化政策自2026年1月1日起正式实施。中国光大银行对符合《通知》 要求的个人消费贷款客户和信用卡账单分期客户，自2026年1月1日起按调整后的贴息政策提供服务。此 前已签署个人消费贷款贴息补充协议的个人消费贷款客户 ...

转自：新华财经 1月21日上午，光大银行呼和浩特分行党委书记、行长周益民与副行长任海带队赴内蒙古国际贸易集团有限公司开展战略合 作洽谈。内蒙古国贸集团党委书记、董事长王健与总会计师张崇生参加会谈，两方核心人员陪同交流，双方围绕服务自治 区"五大任务"、助力向北开放桥头堡建设深入磋商，达成多项共识。 周益民对国贸集团的战略引领作用给予高度评价，强调光大银行依托集团"金融全牌照+产业协同"优势，构建了"一个客户、 一个光大"的综合服务体系。针对集团需求，分行可提供项目建设授信、并购融资、国际贸易融资等全周期产品，联动证 券、信托等集团公司提供"投商行一体化"解决方案，同时依托金融科技协助搭建数字化物流金融平台，实现"三流合一"高效 协同。 双方一致认为，在中蒙俄经济走廊建设、口岸提质、跨境贸易便利化等领域合作空间广阔，约定建立常态化沟通机制，加快 推进合作落地，以金融与产业深度融合，共同助力内蒙古打造向北开放重要桥头堡，为自治区高质量发展注入强劲动力。此 次拜访为双方深化战略合作奠定坚实基础，推动政银企协同服务战略迈入新阶段。（李贺） 编辑：张震 座谈中，王健介绍，作为自治区落实向北开放战略、推进"五大任务"的核 ...

下一步，呼和浩特分行将加快合作落地，深化政企对接，以优质服务满足老年人多元需求，为积极应对 人口老龄化、服务国家民生大局贡献力量。（李贺） 编辑：张震 为深入贯彻党中央、国务院"十五五"规划关于养老服务"补需求、扩供给、强生态"的核心要求，落地集 团"金融+养老"双品牌战略，1月14日至16日，光大银行呼和浩特分行在总行的指导支持下，联合光大养 老开展内蒙古地区养老产业协同营销，本次集团联动以战略引领为核心、以资源整合为抓手、以精准对 接为路径，在内蒙古养老产业市场取得丰硕成果，为区域银发经济高质量发展注入强劲的"光大动能"。 呼和浩特分行党委书记高度重视此次协同工作，将其作为践行总行战略、服务民生的核心举措，亲自统 筹部署，牵头成立专项工作小组，细化呼和浩特、包头、鄂尔多斯、乌兰察布四市走访方案；并带队赴 包头市民政局开展专项座谈，紧扣自治区"北疆银龄"品牌建设要求，围绕养老服务体系优化、适老化金 融创新等议题深化政企对接，搭建起高效协同桥梁，为业务推进争取有力政策支持。 本次营销构建"集团支撑+总行赋能+分行执行"三级联动格局，总行统筹协调光大养老专家团队，协助 分行制定专项营销方案、敲定跨区域对接清单， ...

Group 1 - The core focus of the event was to address the financing challenges faced by technology-based enterprises, particularly those with "light assets and lack of collateral" [1][3] - The event was attended by over 800 participants, including representatives from various financial institutions, highlighting the collaborative effort to explore the capitalization of intellectual property [1][3] - China Everbright Bank's Hohhot branch showcased its unique product system and benchmark cases in the field of intellectual property pledge financing, aiming to inject strong momentum into the development of technology enterprises [1][3] Group 2 - The seminar aligned with the regional government's "1571" work deployment, aiming to bridge the gap between intellectual property and financial resources [3] - Everbright Bank developed a comprehensive, multi-dimensional, and efficient intellectual property pledge financing service system, offering a matrix of financing products covering patents, trademarks, and copyrights to meet diverse financing needs [3] - The bank shared successful case studies, including a loan of 5 million yuan issued against a core patent for a technology enterprise in Hohhot, demonstrating the practical path of transforming intellectual property into assets [5] Group 3 - The successful hosting of the seminar established an important platform for precise connections between government, banks, and enterprises, providing replicable financial solutions for intellectual property pledge financing [5] - Everbright Bank plans to deepen cooperation with various departments and industrial parks, focusing on the financing needs of key industries in the region to support economic transformation and upgrading [5]

转自：新华财经 草原沃野铺锦绣，金融"活水"润"三农"。中国光大银行呼和浩特分行作为深耕内蒙古的金融主力军，始 终锚定自治区"国家重要能源和战略资源基地、国家重要农畜产品生产基地"建设战略目标，坚守金融为 民初心，把普惠涉农金融服务摆在高质量发展的核心位置，持续加大信贷资源倾斜、创新金融产品服 务、优化涉农金融供给。 截至2025年末，呼和浩特分行普惠涉农信贷余额较年初增幅显著，取得增量预算任务完成率全行第一， 较各项贷款增速全行第二名的好成绩，创造分行建行以来普惠涉农最佳成绩。以实打实的金融举措为内 蒙古"两个基地"建设注入强劲金融动能，书写了金融助力乡村振兴、服务地方发展的北疆答卷。 中国光大银行呼和浩特分行立足内蒙古农牧业资源禀赋与能源产业发展特色，紧扣"国家重要农畜产品 生产基地"建设需求，依托总行"442"发展方案，深耕"藏粮于地、节水增效、种业振兴、春耕备耕、肉 库丰盈、奶业振兴"六大关键领域。针对农牧户、涉农小微企业、农业产业化龙头企业等不同主体的融 资需求，打破传统信贷壁垒，简化授信流程，创新推出贴合自治区奶业制造、奶牛养殖、牧草种植、饲 料加工、农田建设等特色产业的普惠涉农信贷产品，围绕"牧 ...

Investment Rating - The report provides a "Buy" rating for all major banks analyzed, indicating a positive outlook for the banking sector [7]. Core Insights - The digital renminbi has entered its 2.0 era, transitioning from a central bank liability (M0) to a commercial bank liability (M1), allowing it to earn interest and be included in deposit insurance and reserve requirements [6][14]. - This transformation positions China as the first economy to offer interest on its central bank digital currency (CBDC), fundamentally altering its monetary attributes and creating a new financial paradigm in the digital economy [27]. - The digital renminbi's interest-bearing feature enhances user motivation to hold it, shifting its perception from a mere payment tool to a viable store of value, thus promoting its integration into everyday financial activities [27][28]. Summary by Sections 1. Digital Renminbi 2.0 Era - The digital renminbi (e-CNY) is now classified as a digital deposit currency, which can earn interest and is managed under a new regulatory framework [14]. - Major state-owned banks have begun offering interest on digital renminbi wallet balances, marking a significant shift in its utility and appeal [14][27]. 2. Development Progress and Application Status - The development of the digital renminbi began in 2014, with significant milestones including pilot tests in various cities and the establishment of a comprehensive operational framework by 2025 [32][33]. - As of November 2025, the digital renminbi has processed 34.8 billion transactions amounting to 16.7 trillion yuan, with extensive coverage across multiple provinces and cities [37]. 3. Global CBDC Development Trends - The report identifies three main trends in global CBDC development: active retail CBDC initiatives, innovation in payment systems, and cautious approaches in some countries like the U.S. [6]. - China's proactive stance in developing its CBDC positions it favorably in the global digital economy landscape, particularly in cross-border trade applications [30].

近年来，光大银行呼和浩特分行一直致力于深入贯彻党的二十大精神、党的二十届三中全会精神、中央 金融工作会议和中央经济工作会议精神，扎实做好科技金融大文章，把更多金融资源用于促进科技创 新，培养新质生产力，建立健全科技金融支持服务体系，为科技型企业提供全生命周期的多元化接力式 金融服务。 未来，光大银行呼和浩特分行将持续加强科技金融相关政策宣传和制度建设工作，优化产品体系，运用 协同力量，提升专业能力，推动支持服务科技型企业贷款增量扩面，为科技型企业高质量发展贡献力 量。（李贺） 编辑：张震 转自：新华财经 在科技创新成为驱动高质量发展核心引擎的今天，破解科创企业"轻资产、长周期、高投入"的融资痛 点，是金融服务实体经济的关键命题。光大银行呼和浩特分行始终坚守"金融报国、服务实体"初心， 以"长期主义"视角深耕科技金融，通过创新信贷评估体系、为科技型动保企业提供信贷支持。 生物医药产业的创新之路，从来离不开长期稳定的资金灌溉。但该行业面临研发投入持续加大、产能扩 张亟需资金的困境，传统信贷"重抵押物、轻技术力"的评估模式成为其融资路上的"拦路虎"。光大银行 呼和浩特分行在深入调研后发现，该行业中某企业拥有多项核心 ...

Core Viewpoint - The report highlights the current premium rates of AH shares, with Northeast Electric, Zhejiang Shibao, and Junda Co. leading in premium rates, while CATL, Hengrui Medicine, and China Merchants Bank are at the bottom of the list [1][2]. Premium Rate Rankings - Northeast Electric (00042) has a premium rate of 815.25%, followed by Zhejiang Shibao (01057) at 378.67% and Junda Co. (02865) at 342.63% [2]. - The lowest premium rates are recorded for CATL (03750) at -13.79%, Hengrui Medicine (01276) at -2.52%, and China Merchants Bank (03968) at -2.22% [1][2]. Deviation Values - Junda Co. (02865) has the highest deviation value at 104.89%, followed by Goldwind Technology (02208) at 23.62% and Guanghetong (00638) at 20.17% [1][2]. - The lowest deviation values are for Northeast Electric (00042) at -35.64%, Chenming Paper (01812) at -16.87%, and China Life (02628) at -15.34% [1][4]. Additional Insights - The report includes a detailed table of the top ten and bottom ten AH stocks based on premium rates and deviation values, providing a comprehensive overview of the current market situation [2][3][4].

马明俊（图片来自网络） 深圳"十五五"规划锚定了全球"产业金融中心"的蓝图坐标，对本地金融业尤其银行机构的"角色扮演"提 出更高要求。南都湾财社记者梳理注意到，在过去的2025年，深圳至少有8家商业银行调整了"一把 手"，其中不乏国有大行和头部股份行。深圳是金融机构战略纵深与实践检验的关键区域，对于"封疆大 吏"的考量和落棋也会更加审慎。与此同时，密集"换将"的背后，深圳银行业如何集体赶考"产业金融中 心"，也有待检验。 深圳工行和中行"空降"一把手 2026年1月13日，深圳金融监管局批复了熊焘出任工商银行深圳市分行行长的任职资格，这意味着"宇宙 行"在深圳的"掌门人"正式落定。实际上，他在去年底已经接替原行长董建军成为深圳工行"一把手"。 熊焘是一位从工行体系内成长起来、拥有丰富的对公业务和分行管理经验的金融高管，投行和科创成为 他身上投射的两张重要标签。记者注意到，这名年轻高管对于科技型企业全生命周期需求、投贷联动、 投早投小投硬、服务科技企业人才等维度均有一定洞察。从"最大省级分行"到"金融先行特区"，熊焘如 何将其在省行积累的科技金融与投行业务等理念与实践，借鉴、适配到深圳这个科技创新的新高地，并 ...

Core Insights - The winter ice and snow economy is becoming a significant driver for consumption upgrades, regional development, and industrial integration, supported by innovative financial services from banks [1] Group 1: Financial Support for the Ice and Snow Economy - Banks are embedding services throughout the entire ice and snow economy chain, providing differentiated financial support tailored to various segments such as infrastructure, equipment manufacturing, and tourism [2] - Construction Bank's Heilongjiang branch has provided billions in loans for major infrastructure projects to enhance tourism connectivity between key ice and snow attractions [2] - Agricultural Bank of China quickly issued a 2.73 million yuan loan to a local beverage company facing cash flow issues during peak tourism season, demonstrating the banks' responsiveness to small and micro enterprises [2][3] Group 2: Support for Small and Micro Enterprises - Small and micro enterprises are crucial to the ice and snow economy, with Construction Bank providing over 100 million yuan in credit support to more than 130 hotels and restaurants in Heilongjiang since 2025 [3] - Financial institutions are actively identifying and addressing the funding needs of local businesses, ensuring they can upgrade facilities and meet increased demand during the winter season [3] Group 3: Consumer Experience and Payment Solutions - Banks are enhancing consumer experiences by integrating financial services into consumption scenarios, such as the "Love Ice and Snow Carnival" campaign by Industrial and Commercial Bank of China, which offers discounts to stimulate spending [4] - Agricultural Bank and Construction Bank have established "Ice and Snow Stations" to provide free services like hot drinks and luggage storage, improving visitor satisfaction [5][6] - The introduction of comprehensive payment solutions, including support for international card payments, aims to accommodate diverse consumer payment preferences [5] Group 4: Future Projections and Strategic Directions - The "China Ice and Snow Tourism Development Report (2026)" predicts that ice and snow tourism will attract 360 million visitors and generate 450 billion yuan in revenue during the 2025-2026 winter season [6] - Financial institutions are encouraged to leverage technology and green finance to support high-tech equipment production and eco-tourism projects, enhancing the overall ice and snow industry [6]