Group 1 - The announcement date for the public REITs is January 22, 2026 [1] - The main objective of the fund is to acquire real estate projects to generate stable cash flows through proactive management [1] - The operational data for the Guanghe Expressway project in December 2025 shows good performance with no safety incidents and diversified toll revenue sources [1] Group 2 - The fund is operating normally with no undisclosed significant information as of the announcement date [2] - The fund manager commits to managing the fund assets with diligence and integrity but does not guarantee profits or minimum returns [2] Group 3 - The fund contract for the Ping An Hang Seng Hong Kong Stock Connect Technology Theme ETF became effective on January 22, 2026 [4] - The fund will be listed on the Shenzhen Stock Exchange under the trading code "159152" [4] Group 4 - The fund manager will announce the specific dates for subscription and redemption after the fund contract becomes effective [5] - Investors can check transaction confirmation through the fund manager's website or customer service [5] Group 5 - New sales institutions, including Huatai Securities, Ping An Bank, and others, have been added for various funds starting January 22, 2026 [12][13][18][23][28][33] - Investors can perform various transactions such as subscription, redemption, and regular investment through these new sales institutions [12][13][18][23][28][33]

登录新浪财经APP 搜索【信披】查看更多考评等级 重要提示 1、华泰紫金策略精选混合型发起式证券投资基金（以下简称"本基金"）的募集已获中国证券监督管理 委员会2025年12月18日证监许可[2025]2821号文准予注册的批复。中国证券监督管理委员会（以下简 称"中国证监会"）对本基金的注册并不代表中国证监会对本基金的风险和收益做出实质性判断、推荐或 保证，也不表明投资于本基金没有风险。中国证监会不对基金的投资价值及市场前景等作出实质性判断 或者保证。 2、本基金类别为混合型证券投资基金，运作方式为契约型开放式。 3、本基金的基金管理人为华泰证券（上海）资产管理有限公司（以下简称"本公司"），基金托管人为 招商银行股份有限公司，登记机构为华泰证券（上海）资产管理有限公司。 4、本基金募集对象为符合法律法规规定的可投资于证券投资基金的个人投资者、机构投资者、合格境 外投资者、发起资金提供方以及法律法规或中国证监会允许购买证券投资基金的其他投资人。 5、本基金自2026年1月26日至2026年1月30日通过基金管理人的直销网点（包括直销机构直销中心、网 上交易系统等）及基金销售机构的销售网点发售。基金管理人可根 ...

登录新浪财经APP 搜索【信披】查看更多考评等级 基金管理人：兴证全球基金管理有限公司 基金托管人：招商银行股份有限公司 发售时间：2026年2月2日至2026年2月10日 重要提示 1、兴证全球嘉益债券型证券投资基金（以下简称"本基金"）的募集已获中国证券监督管理委员会证监 许可【2025】2445号文准予募集注册。中国证监会对本基金募集的注册，并不表明其对本基金的投资价 值、收益和市场前景作出实质性判断或保证，也不表明投资于本基金没有风险。 2、本基金投资于证券市场，基金净值会因为证券市场波动等因素产生波动，投资者在投资本基金前， 请认真阅读招募说明书，全面认识本基金产品的风险收益特征和产品特性，充分考虑自身的风险承受能 力，理性判断市场，对认购（或申购）基金的意愿、时机、数量等投资行为作出独立决策，获得基金投 资收益，亦承担基金投资中出现的各类风险。投资本基金可能遇到的风险包括：证券市场整体环境引发 的系统性风险，个别证券特有的非系统性风险，大量赎回或暴跌导致的流动性风险，基金投资过程中产 生的操作风险，因交收违约和投资债券引发的信用风险，基金投资对象与投资策略引致的特有风险，等 等。 科创板上市的股票 ...

Core Viewpoint - The recent policy optimization aims to lower consumer costs and activate consumption potential while reinforcing risk control measures to combat illegal arbitrage [1][5]. Group 1: Policy Implementation - Multiple banks, including Agricultural Bank, Bank of Communications, Postal Savings Bank, and China Merchants Bank, announced the implementation of the personal consumption loan interest subsidy policy as per the notification issued on January 16, 2026, effective from January 1, 2026 [1][2]. - The notification expands the scope of interest subsidies by removing previous restrictions on consumption areas, allowing residents to enjoy subsidies for various consumption fields and new credit card installment bills, provided they meet authenticity and compliance requirements [2][5]. Group 2: Application Process - Banks have clarified the application process for interest subsidies, with Agricultural Bank allowing customers to apply through mobile banking and customer service hotlines, while Bank of Communications offers an app for checking subsidy amounts and transaction details [3][4]. Group 3: Risk Control Measures - Banks have emphasized that they do not charge any fees for processing interest subsidies and will not engage third-party intermediaries for these services, aiming to protect customers from fraud [4][5]. - Experts have highlighted the risks posed by illegal intermediaries who may fabricate consumption purposes and documents to exploit the subsidy system, leading to potential financial disorder [5][6]. - A multi-layered risk control system has been established, involving banks, financial regulatory bodies, and the Ministry of Finance to monitor loan purposes and fund flows, ensuring compliance and accountability [6].

"50万元大额存单刚刚到期，我跟多家银行咨询了一下，现在3年期大额存单利率连2%都不到，正愁资金没地方放呢。"储户晓晓（化名）拿着到期的存 单，向《金融时报》记者道出了当下不少投资者的困惑。 记者注意到，在银行定期存款利率持续下行、大额存单吸引力减弱的当下，与黄金挂钩的结构性存款产品却在年初一路走俏。多家银行密集推出相关产 品，凭借其相对突出的利率优势，成功吸引了个人投资者乃至上市公司的目光。 中外资银行同台发力 利率最高达5% 今年以来，随着黄金市场的一路走高，黄金挂钩结构性存款顺势崛起，成为多家银行产品矩阵中的"明星产品"。 此外，渣打银行、汇丰银行、星展银行等外资银行也纷纷推出了挂钩黄金的结构性存款产品，相比之下，外资银行推出的此类产品预期年化收益率更高。 例如，渣打银行推出了挂钩SPDR黄金信托的结构性存款，最低认购金额5万元，预期年化收益率最高可达5.0%；星展银行推出了挂钩黄金的美元即时价 格的结构性存款，预期年化收益率最高为4%。 "本金保障+浮动收益" 在业内人士看来，黄金挂钩结构性存款在今年年初迅速走俏，是市场环境、银行策略与投资者需求共同作用的结果。 《金融时报》记者注意到，在国有大行中， ...

盘后数据出炉。 1月21日，A股市场整体上涨。截至收盘，上证指数报4116.94点，上涨0.08%；深证成指报14255.13点，上涨0.7%；创业板指数报3295.52点，上涨0.54%； 北证50指数上涨0.14%。 1.A股市场主力资金净流入56.08亿元 今日A股市场主力资金开盘净流出41.97亿元，尾盘净流入6.26亿元，A股市场全天主力资金净流入56.08亿元。 | | | 沪深两市近五日主力资金流向情况(亿元) | | | | --- | --- | --- | --- | --- | | 日期 | | | 净流入金额 开盘净流入 尾盘净流入 超大单净买入 | | | 2026-1-21 | 56. 08 | -41.97 | 6.26 | 154. 57 | | 2026-1-20 | -764. 07 | -221.93 | -61. 61 | -471.97 | | 2026-1-19 | -397.98 | -162.72 | -58. 29 | -209.12 | | 2026-1-16 | -238.85 | -106. 45 | -38. 37 | -133.83 | | 2026 ...

Core Viewpoint - The upcoming leadership transition at China Merchants Bank's credit card center, with Li Mingdong set to replace Liu Jialong, has garnered industry attention as Liu retires due to age limits, marking a significant change in the bank's credit card operations [2][3]. Group 1: Leadership Transition - Liu Jialong, the current general manager of the credit card center, has a long history with the bank, having joined in 1996 and led the credit card business multiple times, significantly impacting the industry with innovations like the "Zhangshang Life" mobile app [3][4]. - Li Mingdong, the incoming general manager, has extensive experience within the bank, having held various roles in retail finance and wealth management, indicating a strategic focus on customer-centric operations [4][5]. Group 2: Industry Context - The credit card center has seen a wave of leadership changes across the industry, with 16 banks adjusting their credit card center executives from 2025 to the present, reflecting a broader trend of management turnover [2][19]. - The credit card business at China Merchants Bank, despite being a leader in issuance and transaction volume, is facing challenges, with a reported 8.54% decline in transaction volume year-on-year as of mid-2025 [6][8]. Group 3: Performance Metrics - As of June 2025, the bank's credit card circulation reached approximately 96.93 million cards, maintaining a leading position in the industry, but the total transaction amount fell to approximately 2.02 trillion yuan, indicating a downturn [8][10]. - Revenue from credit card operations also faced declines, with interest income down by 4.96% and non-interest income down by 16.23% in the first half of 2025 [10].

Core Viewpoint - The recent successful launch of satellites by major banks in China, including China Merchants Bank and Shanghai Pudong Development Bank, signifies a strategic shift towards utilizing satellite technology for enhancing financial services and risk management in the banking sector [1][2][5]. Group 1: Satellite Launches and Developments - China Merchants Bank launched the "Zhaoyin Jinkui" satellite on January 16, 2026, as part of the "Tianqi Constellation," which aims to enhance global coverage and communication capabilities [1][5]. - Shanghai Pudong Development Bank's "Puyin Shuzhi" satellite was also launched on the same day, contributing to the "Tianqi Constellation" [5]. - Previous satellite launches by Ping An Bank include "Ping An 1" in December 2020 and "Ping An 2" in February 2022, indicating a growing trend among banks to invest in satellite technology [2][3]. Group 2: Business Logic Behind Satellite Investments - Banks are leveraging satellite technology for remote monitoring of collateral and project progress, significantly improving post-loan management efficiency and reducing credit risk [2][8]. - The ability to maintain business continuity during extreme scenarios, such as natural disasters, is enhanced through satellite communication technology [13]. - By participating in satellite launches, banks are aligning with national strategies and expanding their financial services to support the commercial space industry [14]. Group 3: Applications of Satellite Technology in Banking - Satellite technology allows for real-time monitoring of agricultural and industrial activities, addressing information asymmetry in lending [8][10]. - The integration of satellite data into risk management systems has improved the accuracy of monitoring construction projects, with a reported precision of over 95% in tracking project progress [9][11]. - The use of satellite technology in supply chain finance helps overcome challenges faced by small and medium enterprises, enabling better access to credit [10][12]. Group 4: Future Prospects and Innovations - The ongoing development of satellite technology is expected to further penetrate various banking operations, enhancing risk prevention capabilities in sectors like agriculture and logistics [14][15]. - Innovations such as the "Dashanque" system by WeBank utilize satellite imagery and AI to assess agricultural productivity, providing tailored credit solutions to farmers [15]. - The trend of banks investing in satellite technology reflects a broader commitment to technological innovation and improved service delivery in the financial sector [16].

Core Viewpoint - The article discusses the recent satellite launches by major Chinese banks, highlighting their strategic shift towards utilizing satellite technology for enhancing financial services and risk management [1][4]. Group 1: Satellite Launches and Their Purpose - Three major banks, China Merchants Bank, Shanghai Pudong Development Bank, and Ping An Bank, have successfully launched satellites as part of their strategic initiatives to integrate satellite technology into their operations [4][5]. - The "Zhaoyin Jinqi" satellite launched by China Merchants Bank is designed to enhance global communication capabilities and improve data transmission efficiency, forming a comprehensive low-orbit satellite communication matrix [4][6]. - The "Puyin Shuzhi" satellite, launched simultaneously, is part of the "Tianqi Constellation" and aims to improve the performance and revisit time of the satellite network [4][6]. Group 2: Business Logic Behind Satellite Utilization - Banks are leveraging satellite technology for remote monitoring of collateral and project progress, significantly enhancing post-loan management efficiency and reducing credit risk [7][8]. - The use of satellite technology allows banks to gather unique spatial data, which can transform risk control and business models, addressing issues of information asymmetry in lending [7][9]. - For instance, China Merchants Bank has integrated remote sensing technology into its risk management system, achieving over 95% accuracy in monitoring construction progress of mortgage properties [8][9]. Group 3: Applications in Extreme Scenarios - In extreme scenarios such as natural disasters, satellite communication technology provides a solution to maintain business continuity when ground communication networks fail [12][13]. - China Merchants Bank has tested low-orbit satellite links for disaster recovery, establishing a foundation for an integrated emergency communication network [12][13]. Group 4: Supporting National Strategy and Commercial Space Industry - By participating in satellite launches, banks are aligning with national strategies and expanding financial services to support the commercial space industry [13][14]. - The banks are developing various services and products tailored to the needs of the commercial space sector, such as satellite leasing and financing solutions [14]. Group 5: Broader Industry Impact - The trend of banks utilizing satellite technology is expanding beyond a few players, with other banks also exploring applications in agriculture, environmental monitoring, and supply chain finance [14]. - Innovations such as satellite remote sensing applications are being adopted to enhance risk management and service delivery in various sectors, indicating a shift towards integrating advanced technologies in traditional banking practices [14].

Group 1 - The article discusses various credit card offerings from a bank, highlighting promotional gifts for new customers upon meeting certain criteria [7][10][15]. - Each credit card comes with unique benefits, such as cashback, discounts on travel, and exclusive merchandise [6][19]. - The promotional gifts include items like travel bags, coffee vouchers, and membership cards for streaming services, appealing to a wide range of customer interests [12][19]. Group 2 - The article emphasizes the importance of referral programs, where existing customers can recommend new users and receive rewards [22]. - It mentions that existing cardholders can apply for additional credit cards, but these will share the credit limit with their current cards and will not qualify for new customer benefits [24]. - The bank promotes its app as a comprehensive platform for payments, investments, and loans, enhancing customer convenience [28].