Core Viewpoint - The report highlights a decline in the scale of bank wealth management sales in December 2025, with a total of 13.46 trillion yuan, a decrease of 1.05% from November, but an increase of 10% from the beginning of the year. The growth is attributed to a "deposit migration" logic, indicating a shift in customer preferences towards wealth management products [2][6]. Group 1: Bank Performance - Postal Savings Bank showed a remarkable growth rate of 27.2%, leading among the 11 national banks, while China Merchants Bank followed with a 12.2% increase [2][4]. - In absolute terms, China Merchants Bank led with a wealth management sales scale of 4.41 trillion yuan, followed by CITIC Bank and Industrial Bank, each exceeding 1 trillion yuan [2][4]. - The ranking of the 11 banks remained relatively stable, with Postal Savings Bank rising from 7th to 4th place by the end of the year [2][4]. Group 2: Market Dynamics - The overall wealth management sales scale of the 11 banks increased by 1.22 trillion yuan, reflecting a 10% growth from the beginning of the year, with three banks (Postal Savings, China Merchants, and Huaxia) achieving growth rates above 10% [5][6]. - The average yield of wealth management products fell below 2% for the first time, at 1.98%, yet the number of investors increased by 14.37%, indicating a strong demand for stable-return products [8][9]. - The "deposit migration" narrative remains a key driver for the growth of wealth management, as banks focus on deeper market penetration and optimizing customer service [9][10]. Group 3: Future Outlook - Predictions suggest that by the end of 2026, the wealth management scale could reach approximately 38 trillion yuan, with a growth rate of around 12% [11]. - The average risk index is expected to gradually rise, and the proportion of long-term products is anticipated to increase, while T+0 products will decrease [11].

Core Viewpoint - China Minsheng Bank has launched a dedicated "Parent-Child Zone" on its mobile banking platform, aimed at enhancing financial services for families with children, integrating various financial products and educational resources to support family financial management and children's financial literacy [2][5][6]. Group 1: Parent-Child Financial Services - The "Parent-Child Zone" serves as a comprehensive online financial service entry point for families, showcasing products like children's accounts, wealth management tools, and exclusive credit cards, along with non-financial benefits such as birthday gifts and financial literacy classes [2][5]. - The launch of this zone marks a significant milestone in the development of the "Minsheng Tongxing" brand, indicating a comprehensive upgrade of services for parent-child customer segments [2][5]. Group 2: Financial Literacy and Education - Minsheng Bank recognizes the importance of integrating financial services with educational support, aiming to assist families in wealth planning and financial literacy for children [5][10]. - The bank's approach includes providing age-appropriate financial management tools, allowing children to gradually engage in managing their finances under parental guidance, thus fostering a sense of responsibility and understanding of money management [7][8]. Group 3: Practical Applications and Community Engagement - The "Parent-Child Zone" features functions like "Baby Tasks," which integrate financial education into daily family activities, helping children understand the value of work and rewards through task completion [10][11]. - Minsheng Bank also conducts various offline financial literacy and community engagement activities, such as workshops and interactive courses, to enhance children's understanding of financial concepts in a fun and engaging manner [11][12]. Group 4: Future Developments - The bank plans to continuously enrich the "Parent-Child Zone" with more financial products tailored to family needs, alongside ongoing financial education courses and community activities, creating a holistic approach to parent-child financial services [12].

为精准破解民营企业融资痛点，搭建政银企高效对接"快车道"，切实提升企业融资可得性与获得感，1月28日，市工商联与市商务局、市贸促会、中国人 民银行盘锦分行、市金融监管局、中国民生银行盘锦分行共同举办第二十期盘商沙龙会，60余名民营企业家参加活动。 中国民生银行盘锦分行行长邱可非现场授课答疑，结合民营企业发展特性与实际融资需求，对民生银行重点金融业务、特色信贷产品及最新惠企政策进行 全景式解读。他以通俗化表达拆解金融产品核心要点，用案例化分析讲解政策适用场景，帮助企业真正"懂政策、会运用、得实惠"。 互动咨询环节氛围热烈，参会企业家围绕融资额度、审批流程、利率优惠、担保方式等核心关切，与邱可非行长面对面深入交流。邱行长针对企业个性化 需求逐一细致答疑，现场量身定制融资解决方案。 市工商联、市商务局、市贸促会、人民银行盘锦分行、市金融监管局的负责人也纷纷针对企业提出的意见和建议给予解答和回复。 下一步，盘锦市工商联将持续以"盘商沙龙会"为重要载体，聚焦企业发展全周期需求，搭建更多专业化、精准化服务平台，推动政银企合作常态化、长效 化，为盘锦市民营经济高质量发展注入更强劲的金融动能。 NEWS 监制丨王志学 责编丨 ...

Core Insights - The report highlights a decline in the scale of bank wealth management sales, with a total of 13.46 trillion yuan by December 2025, down 1.05% from November but up 10% from the beginning of the year [1][7] - Postal Savings Bank showed remarkable growth, leading with a 27.2% increase, while China Merchants Bank followed with a 12.2% increase [1][5] - The overall growth in wealth management sales is attributed to a "deposit migration" trend, where customers are shifting their funds into wealth management products [7][10] Group 1: Bank Performance - By December 2025, China Merchants Bank led with a wealth management sales scale of 4.41 trillion yuan, followed by CITIC Bank and Industrial Bank, both exceeding 1 trillion yuan [1][2] - Postal Savings Bank's rise in ranking from 7th to 4th among the 11 banks indicates a significant shift in market dynamics [2][4] - The total growth in wealth management sales among the 11 banks amounted to 1.22 trillion yuan, with a year-on-year increase of 10% [7][6] Group 2: Factors Driving Growth - The growth of Postal Savings Bank's wealth management sales is linked to strategic reforms and an expansion of distribution channels, with approximately 40,000 outlets enhancing customer reach [5][6] - The shift in focus from "product sales" to "product configuration" aims to cater to high-net-worth clients, which is seen as a crucial strategy for growth [5][10] - The demand for stable, low-volatility wealth management products remains strong, particularly in a low-interest-rate environment, driving customer interest [9][10] Group 3: Market Trends - The report notes a seasonal pattern in bank wealth management, characterized by "quarter-end contraction" and "quarter-beginning recovery," influenced by regulatory requirements [8][10] - Despite a slight contraction in December, the overall wealth management scale showed resilience, indicating strong underlying demand [8][9] - Predictions suggest that the wealth management scale could reach approximately 38 trillion yuan by the end of 2026, with a projected growth rate of around 12% [12]

| 代码 | 名称 | 主力净流入(元) | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入 (元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 600036 招商银行 | | 5.44(Z ﻋ | 7.13% | -3.86 Z | -5.06% | -1.58 Z | -2.07% | | 600016 民生银行 | | 3.00 Z | 14.00% | -9790.09万 | -4.56% | -2.03 Z | -9.44% | | 600015 华夏银行 | | 5298.26万 | 8.72% | -1942.12万 | -3.20% | -3356.14万 | -5.52% | | 601916 浙商银行 | | -729.54万 | -1.24% | 971.12万 | 1.64% | -241.58万 | -0.41% | | 000001 平安银行 | | -1.13 Z | -5.63% | 6444.83万 | 3.22% | 4825.40万 | 2.41% | | 601166 兴 ...

银行板块盘中持续走高，青岛银行涨停，消息面上，青岛银行发布2025年度业绩快报，实现归属于母公 司股东净利润51.88亿元，同比增长21.66%。此前已有招商银行、兴业银行、宁波银行等8家上市银行率 先交出2025年度业绩快报，所有银行均实现净利润正增长。 中国银河证券指出，四季度市场风格整体延续上季度，资金对银行板块青睐程度维持在相对低位。但同 时，国有行、股份行持续受关注。近期被动资金流出对银行资金面形成扰动，但在低利率与中长期资金 加速入市的环境下，银行板块高股息、低估值的红利属性仍对险资等长线资金具备持续吸引力，加速估 值定价重构。继续看好银行板块红利价值。 截至2026年1月29日 14:07，中证银行指数(399986)强势上涨1.68%，成分股青岛银行上涨9.94%，渝农商 行上涨3.86%，宁波银行上涨3.70%，齐鲁银行，江苏银行等个股跟涨。银行ETF鹏华(512730)上涨 1.34%，最新价报1.59元。 银行ETF鹏华紧密跟踪中证银行指数，为反映中证全指指数样本中不同行业公司证券的整体表现，为投 资者提供分析工具，将中证全指指数样本按中证行业分类分为11个一级行业、35个二级行业、90 ...

| 代码 | 名称 | 主力净流入 (元) | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入 (元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601166 兴业银行 | | 2.50 Z ﮯ | 6.55% | -7.53 亿 | -19.73% | 5.03亿 | 13.18% | | 600016 民生银行 | | 1.04亿 | 7.56% | 4996.89万 | 3.62% | -1.54 Z | -11.18% | | 601916 浙商银行 | | 4797.93万 | 9.09% | 2357.98万 | 4.47% | -7155.90万 | -13.56% | | 600015 华夏银行 | | 4782.16万 | 7.51% | 2677.07万 | 4.20% | -7459.23万 | -11.71% | | 600000 浦发银行 | | -1156.01万 | -0.82% | 6527.89万 | 4.61% | -5371.88万 | -3.79% | | 601998 ...

1月28日金融一线消息，"2025（第十三届）银行综合评选"活动获奖名单今日正式揭晓！本次评选活动 从多领域、多视角对银行机构各方面进行了综合评估，最终评选出多家行业佼佼者。 本次评选活动经过网络投票、第三方机构调研、专家评审、综合审核多项环节，最终角逐出"综合评 选""业务价值评选""社会责任评选""五大篇章评选"四大类26个奖项，20家银行机构上榜，充分体现了 银行业的发展趋势和行业标杆。 于时代脉搏中坚守使命，于转型发展中谱写新篇。本次获奖银行机构在过去一年的发展中展现了卓越的 综合实力和优秀的专业素养，在业务经营、服务能力、风控管理、创新发展等多方面取得了卓越成绩， 赢得了广泛的赞誉和认可。期待各银行机构在未来能够继续发挥自身优势和综合实力，坚守初心和使 命，为银行业高质量发展与金融强国建设贡献更多力量。 以下为获奖名单： 综合评选 中国工商银行获评"年度最佳国有商业银行" 中国进出口银行获评"年度最佳政策性银行" 招商银行获评"年度最佳股份制商业银行" 宁波银行获评"年度最佳城市商业银行" 北京农村商业银行获评"年度最佳农村商业银行" 微众银行获评"年度最佳民营银行" 业务价值评选 交通银行获评"年 ...

内容概况：中小银行在推动我国经济长远发展方面起到了积极作用，一方面，通过灵活的市场机制和较高的服务效率，支持民营经济和大量的中小企业成 长，繁荣地方经济；另一方面，作为我国金融供给侧改革的重要组成部分，中小银行通过自身变革推进了金融市场化进程。伴随着金融业改革发展进程，我 国中小银行在支持地方经济发展、服务乡村振兴、助力民营小微企业发展、满足城乡居民多样化金融需求等方面发挥着积极作用，已成为我国金融生态的重 要组成部分，资产总额占据商业银行的半壁江山。近年来，随着银行业竞争日趋激烈，我国中小银行生存空间持续被压缩。为寻求更多业务发展机会，在国 家政策支持下，越来越多中小银行开始凭借着一级法人的体制优势和地缘优势，通过补充资本、引进战略投资者、实行差异化经营等方式不断提高市场竞争 力，争夺主要商业银行的客户资源和信贷资源，特别是在小微企业融资贷款领域，国内中小银行业取得显著成就，促使行业总资产实现大幅扩张。数据显 示，2024年中国中小银行总资产为192.25万亿元，同比增长6.39%；总负债为177.36万亿元，同比增长6.27%。2025年1-11月，中国中小银行总资产为201.6万 亿元，同比增长6.49 ...

二、中国民生银行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自中国民生银行 政许可决定作出之日起3个月内到任，并按要求及时报告到任情况。未在上述规定期限内到任的，本批 复文件失效，由决定机关办理行政许可注销手续。 三、中国民生银行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固树立风险 合规意识，熟悉任职岗位职责，忠实勤勉履职。 2026年1月21日，漯河金融监管分局发布批复称，《关于核准邢占峰中国民生银行（600016）股份有限 公司漯河分行行长助理任职资格的请示》（民银郑发〔2025〕84号）收悉。经审核，现批复如下： 一、核准邢占峰中国民生银行股份有限公司漯河分行行长助理的任职资格。 ...