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].

证券日报网讯1月21日，华夏银行（600015）在互动平台回答投资者提问时表示，我行于2017年建立了 财务共享中心模式的财务报账管理系统。采用工具包括智能审核、OCR识别、SQL数据宽表等。我行财 务共享中心数量为1个，基于业务板块划分，及我行财务风险管控和内部职能优化设立。 ...

近日，招商银行信用卡中心即将迎来新任总经理引发业内关注。南都湾财社记者从内部获悉，招商银行 总行财富平台部总经理厉明东或将接替信用卡中心总经理刘加隆，出任信用卡中心总经理一职。刘加隆 因达到法定退休年龄正式卸任，或转任为信用卡中心顾问，不过目前厉明东任职资格尚待监管部门核 准。 放眼整个行业，信用卡中心高管更替已并不罕见。据南都湾财社记者不完全统计，2025年至今，已有16 家银行信用卡中心的高管进行调整，涵盖从副总裁、总经理到副总经理、总经理助理等多个关键岗位。 新老掌门交接 公开信息显示，招行信用卡中心现任总经理刘加隆，中国人民大学工业经济系毕业，获得经济学硕士学 位。回顾其职业生涯，自1996年加入招商银行起，便深耕信用卡业务，曾三次执掌信用卡中心帅印，堪 称信用卡业内"元老"。 具体来看，在首次出任信用卡中心总经理期间（2009-2015年），他领导招商银行信用卡开发了行业首 个移动App"掌上生活"，彻底改变了信用卡业务的竞争格局，加速了行业的数字化转型；当行业增速放 缓的危机来临时，刘加隆在2018年再次临危受命，其率先提出信用卡"下半场"概念。2024年，他第三次 接任总经理。此前他还担任过总行 ...

证券之星消息，1月21日股份制银行板块较上一交易日下跌1.78%，中信银行领跌。当日上证指数报收于 4116.94，上涨0.08%。深证成指报收于14255.12，上涨0.7%。股份制银行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 000001 | 平安银行 | 11.07 | -0.81% | 90.01万 | 10.01亿 | | 601818 | 光大银行 | 3.36 | -0.88% | 255.85万 | 8.64亿 | | 600015 | 华夏银行 | 6.50 | -0.91% | 57.34万 | 3.74亿 | | 600016 | 民生银行 | 3.76 | -1.05% | 276.70万 | 10.45 Z | | 600036 | 招商银行 | 38.24 | -1.27% | 121.50万 | 46.84亿 | | 601916 | 浙商银行 | 2.96 | -1.33% | 141.40万 | 4.21亿 | | 601166 | ...

Group 1 - The Shanghai Free Trade Account (FT Account) has seen significant developments recently, with the approval of new financial institutions and upgrades to existing accounts, indicating a potential increase in foreign participation in China's cross-border financial activities [1][2] - Morgan Stanley Bank (China) Limited's Shanghai branch has been approved as the first new FT account financial institution in over five years, marking a notable opportunity for foreign banks in the region [1] - As of the latest update, there are 62 financial institutions with FT account qualifications in Shanghai, with 49 being banks, reflecting a growing trend in the FT system [1] Group 2 - The implementation of the "Implementation Measures for the Function Upgrade of Free Trade Accounts" by the People's Bank of China on December 5 has introduced significant policy upgrades, allowing for more flexible cross-border fund transfers [2][4] - The new regulations enable trial enterprises to conduct capital account business without the constraints of external debt quotas or prior registration with foreign exchange authorities, enhancing operational efficiency [2][4] - Major banks, including state-owned and foreign banks, have quickly responded to the new policy by facilitating the opening of upgraded FT accounts for clients, indicating strong market interest and potential for increased cross-border trade [3][4] Group 3 - The recent policy changes are expected to create a multiplier effect for cross-border trade and investment, improving the efficiency of capital allocation for enterprises [4] - The expansion of the FT account system is anticipated to continue, with more financial institutions likely to be added to the list of qualified entities in the future [5]

Group 1 - The Ministry of Finance and other departments have released five policy documents aimed at optimizing financial support for personal consumption loans, equipment updates, private investment guarantees, service industry loans, and small and micro enterprise loans [1][9][29] - The personal consumption loan subsidy policy has been extended until December 31, 2026, with adjustments to the subsidy standards and an expanded range of supported financial institutions [4][5][6] - The equipment update loan subsidy policy includes a 1.5% subsidy on fixed asset loans for equipment updates, applicable for up to two years, and has been expanded to include various sectors such as construction, aviation, and digital technology [10][11][12] Group 2 - The private investment guarantee plan has a total quota of 500 billion yuan, to be implemented over two years, focusing on supporting small and micro enterprises in various sectors including technology upgrades and service industry enhancements [17][18] - The plan includes a risk-sharing mechanism where banks will bear at least 20% of the loan risk, while the government guarantee fund will cover up to 80% [19] - The government will also reduce guarantee fees and increase the compensation limit for the guarantee fund to enhance support for private investments [20] Group 3 - The service industry loan subsidy policy has been extended to December 31, 2026, with an increased subsidy cap of 10 million yuan per loan and a 1% annual subsidy rate [23][24] - The policy now includes additional sectors such as digital, green, and retail industries, expanding the scope of financial support [24][25] - The implementation of these policies will involve streamlined processes for fund allocation and enhanced collaboration among financial institutions and regulatory bodies [26][28]

站在2026年岁初回望，2025年A股上市银行迎来发展逻辑的趋势性转变。 2025年分化收官，2026年合规与成长定胜负 从2025年走势看，银行股行情呈现"前高、中调、后稳"的特征。其中，分季度来看，一季度涨2.95%， 二季度大涨12.44%，三季度则跌8.68%，四季度重拾涨势，上行5.99%。整体来看，国有六大行、农商 行全线上行，股份行、城商行则表现分化。 国有大行：农行"一枝独秀"，资本补充助推发展 2025年国有大行中，农业银行走出了"一枝独秀"的行情。Wind数据显示，2025年该行涨幅达到 52.66%，领跑整个银行板块。其余五大行中，工行年内涨21.54%，建行年内涨12.87%，中行年内涨 10.75%，邮储年内微涨0.67%，交行年内微涨0.37%。 总市值方面，国有四大行依然居前，工行以2.63万亿元位居榜首，农行以2.61万亿元紧跟其后，建行、 中行的总市值分别为1.87万亿元、1.70万亿元。除此之外，万亿元俱乐部玩家还有招行，总市值为1.09 万亿元。 2025年加快建设金融强国战略下，银行业正从规模竞争转向价值创造。行业进一步聚焦主业、回归本 源，着力通过体系化、精准化的金融 ...

A股代码：600015 A股简称：华夏银行 编号：2026一03 表决结果：赞成15票，反对0票，弃权0票。关联董事瞿纲行长回避表决。 特此公告。 华夏银行股份有限公司董事会 2026年1月21日 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或者重大遗漏，并对其内容的 真实性、准确性和完整性承担法律责任。 华夏银行股份有限公司（以下简称"华夏银行"）第九届董事会第十五次会议以书面传签方式召开，会议 通知和材料于2026年1月12日以电子邮件方式发出，表决截止日期为2026年1月19日。会议应发出书面传 签表决票16份，实际发出书面传签表决票16份，在规定时间内收回有效表决票16份。会议的召开符合 《中华人民共和国公司法》等法律、行政法规、部门规章、规范性文件及《华夏银行股份有限公司章 程》的有关规定，会议合法有效。经与会董事审议，做出如下决议： 审议并通过《关于华夏银行2026年度董事会对行长授权方案的议案》。 华夏银行股份有限公司 第九届董事会第十五次会议决议公告 ...

登录新浪财经APP 搜索【信披】查看更多考评等级 基金管理人：易方达基金管理有限公司 基金托管人：华夏银行股份有限公司 本基金首次募集规模上限为20亿元人民币（不包括募集期利息，下同）。 二零二六年一月 重要提示 1.易方达成长驱动混合型证券投资基金（以下简称"本基金"）根据中国证券监督管理委员会《关于准予 易方达成长驱动混合型证券投资基金注册的批复》（证监许可[2025]2469号）进行募集。 2.本基金为契约型开放式、混合型证券投资基金。 3.本基金的管理人和登记机构均为易方达基金管理有限公司（以下简称"本公司"），托管人为华夏银行 股份有限公司。 4.本基金将自2026年1月28日至2026年2月10日通过基金管理人指定的销售机构公开发售。基金管理人根 据认购的情况可适当调整募集时间，并及时公告，但最长不超过法定募集期限。 5.基金份额类别 本基金将基金份额分为不同的类别。在投资人认购/申购基金时按规定收取认购/申购费用，并不再从本 类别基金资产中计提销售服务费的基金份额，称为A类基金份额；从本类基金资产中计提销售服务费并 按规定收取或返还，不收取认购/申购费用的基金份额，称为C类基金份额。 本基金各类 ...

坐落于正定新区核心区域、自贸试验区正定片区的石家庄国际会展中心，总占地面积64.4万平方米、建 筑面积35.9万平方米，是全球最大的双向悬索结构建筑，斩获国家绿色建筑三星认证与国际LEED金级 双料荣誉，绿色基因与生俱来。 作为省市对外交流的闪亮名片，该中心已举办超600场高规格展会，接待3万余家参展商、超700万客 流。更值得骄傲的是，党中央、国务院批准的国家级展会——中国国际数字经济博览会永久落户于此， 妥妥的"国字号"会展平台！ 转自：新华财经 近日，华夏银行石家庄分行传来重磅喜讯——成功落地石家庄国际会展中心银团绿色贷款3.328亿元， 这也是该行首笔银团绿色贷款。分行以金融活水精准浇灌地方地标项目，用实力诠释绿色金融的温度与 速度。 地标够硬核，绿色属性拉满 华夏加速度，7天审批火速落地 金融赋新能，绿色发展再启新程 一笔绿色贷款，一头连着地标焕新，一头系着绿色发展未来！此次项目贷款落地，既是华夏银行践行绿 色发展理念的生动实践，更是助力地方重大项目建设、服务市属国企改革发展的有力举措。 未来，华夏银行石家庄分行将持续深耕绿色金融赛道，聚焦绿色建筑、清洁能源等重点领域，以更鲜 活、更高效的金融服务， ...