Core Viewpoint - The retail wealth management competition among banks has intensified at the beginning of the new year, with various financial institutions launching promotional activities to enhance asset management scale (AUM) by incentivizing users to optimize their asset allocation [1][3]. Group 1: Retail AUM Competition - Multiple banks, including Agricultural Bank of China and Nanjing Bank, have initiated the "Asset Enhancement Gift" campaign, offering tiered rewards to encourage users to increase their financial assets [3][4]. - Agricultural Bank's campaign allows users to participate in a lottery based on their average financial assets from January 2026 compared to December 2025, with rewards ranging from 5,200 to 2.4 million points based on asset tiers [3][4]. - Nanjing Bank targets premium customers with dual campaigns, rewarding them for asset increases and diversified product holdings, with potential rewards of up to 80,000 points monthly [4]. Group 2: Trends in Wealth Management - The competition in wealth management has shifted from product sales to comprehensive management of customer financial assets, reflecting a transformation in retail banking strategies [5]. - Key trends include a transition from interest margin-driven models to those focused on asset management fees, with AUM becoming a critical measure of retail competitiveness [5]. - The focus has moved from comparing single product yields to evaluating customer-centric asset allocation and lifecycle service capabilities [5]. Group 3: Long-term Service Capability - Retail AUM is a key indicator of a bank's ability to attract and manage individual customer wealth, with several banks reporting growth in retail customer numbers and AUM [7]. - For instance, China Merchants Bank reported a retail customer base of 220 million and an AUM of approximately 16.6 trillion yuan, reflecting an 11.19% increase year-on-year [7]. - Banks are encouraged to shift from product promotion to asset allocation assistance, enhancing their service ecosystems to better meet customer needs [8]. Group 4: Sustainable Growth Mechanisms - To achieve sustainable growth in retail AUM, banks must move beyond short-term promotional strategies and focus on systematic capability development [8]. - Strategies include deepening customer segmentation, enhancing investment research capabilities, and fostering channel collaboration to improve customer engagement [8][9]. - Leveraging data and technology for precise marketing and service delivery is essential for creating a comprehensive operational system that supports long-term customer relationships [8].

Group 1 - The banking sector saw an increase of 0.88% on January 6, with Industrial Bank leading the gains [1] - The Shanghai Composite Index closed at 4083.67, up 1.5%, while the Shenzhen Component Index closed at 14022.55, up 1.4% [1] - Key stocks in the banking sector and their performance included Industrial Bank (up 1.95% to 21.46), Pudong Development Bank (up 1.52% to 12.00), and Ping An Bank (up 1.48% to 11.67) [1] Group 2 - The net inflow of main funds in the banking sector was 646 million yuan, while retail investors saw a net outflow of 357 million yuan [1] - The main fund inflow for Industrial Bank was 222 million yuan, accounting for 10.65% of its total, while retail investors had a net outflow of 137 million yuan [2] - Ping An Bank experienced a main fund inflow of 209 million yuan (13.79%) but a retail outflow of 65 million yuan [2]

Core Insights - The 2026 Bloomberg Green Finance Awards ceremony was successfully held at the MGM Hotel in Shanghai, emphasizing the importance of aligning with China's "dual carbon" goals and the evolving global business landscape [2] - The event introduced two new evaluation systems: the "Green Finance List" and the "ESG Potential Enterprises" list, alongside existing categories for "ESG Leading Enterprises" and "Outstanding ESG Projects" [2] Green Finance List - The Green Finance List focuses on the green development and innovation within China's financial sector, developed in collaboration with the Central University of Finance and Economics [3] - It aims to respond to national green finance policies and promote the green transformation of financial institutions and enterprises [3] ESG Potential Enterprises - The ESG Potential Enterprises list is based on Bloomberg's proprietary analysis of corporate data, utilizing a comprehensive ESG matrix covering four dimensions, 16 core issues, and 41 sub-issues [4] - The matrix addresses nine major themes, including climate action, energy and ecological management, product safety, employee health, and social responsibility, to identify companies with long-term value and industry leadership potential [4] Complete Lists Released - The ESG Leading Enterprises include CHINT Group Co., Ltd., Tingyi Holding Corp. (Master Kong), Trina Solar Co., Ltd., and several others [5][6][7] - Outstanding ESG Projects feature initiatives from Beijing Fuping Social Venture Capital Co., Ltd., Envision Energy, LONGi Green Energy Technology Co., Ltd., and others [7][8] Green Financial Institutions - The Green Financial Institutions recognized include Bank of China (Hong Kong) Limited, Guotai Junan International Holdings Limited, Industrial Bank Co., Ltd., and others [9][10] Innovation Drivers - The ESG Innovation Drivers include organizations such as the Alliance for Water Stewardship, Climate Bonds Initiative, and Shanghai Advanced Institute of Finance [10] ESG Advocates - The ESG Advocates list features companies like Hydrowell (Taicang) Energy Technologies Co., Ltd., Ningbo Joyson Electronics Corp., and Skyworth Group Limited [11] Future Outlook - Bloomberg Green Finance aims to collaborate with more practitioners to explore core trends and future pathways for sustainable development, accumulating cross-disciplinary wisdom and solutions [13]

系统通过整合兴业管家门户的企金统一身份认证服务和开放银行联动转账服务，构建"信息流弱认证 +资金流强认证"的双轨服务体系。首先通过统一身份认证实现企业客户安全登录与权限管理，支持多 层级角色分配和轻量化验证流程，大幅简化日常审批、进度查询等非交易类操作。而在涉及资金支付等 高敏感场景时，则依托开放银行API（应用程序编程）接口联动数字证书等强认证手段，确保每一笔支 付均需通过多重加密校验，实现"交易指令可追溯、账户权限可隔离、资金流向可管控"。该模式创新性 地平衡了效率与安全——一方面，通过弱认证机制优化施工单位与业主的协作效率；另一方面，强化资 金管控，杜绝资金挪用风险。 2022年10月，某重点机场建设项目业主邀请兴业银行厦门分行参与某标段共管账户的招标。当时，经过 初步需求分析，兴业银行厦门分行没有现成的产品可以直接满足客户的需求。如何为客户提供一套有竞 争力的系统来拿下招标呢？该行员工用智慧和汗水，完美解决了问题。 调研客户需求设计创新方案解决难题 带着问题，兴业银行厦门分行员工前往施工现场，进一步调研客户需求。调研后发现，对施工单位来 说，希望保障资金快速到账、及时支付下游资金、降低成本；对业主而言 ...

Group 1 - The core viewpoint of the article highlights the successful issuance of the 14th phase of medium-term notes by Guangzhou Yuexiu Group, led by Industrial Bank, marking the first "support for the elderly industry" bond in the Greater Bay Area and for Industrial Bank [1] - The bond has a total issuance scale of 300 million yuan, with a maturity period of 3 years, and the raised funds will be used to support the development of the elderly industry, helping companies optimize their financing structure [1] - Industrial Bank has been a pioneer in elderly finance in China since launching its first elderly financial service plan "Anyu Life" in 2012, and has been building a comprehensive service system that includes pension finance, elderly service finance, and elderly industry finance [1] Group 2 - As of the end of September 2025, Industrial Bank serves over 29 million clients aged 50 and above, with total financial assets reaching 1.13 trillion yuan [1] - In the first three quarters of 2025, the bank has issued nearly 1.4 billion yuan in loans for the elderly industry [1]

此次债转股业务合作是兴业银行南京分行深化"商行+投行"战略的重要成果，通过联动集团子公司兴银 投资，发挥兴业银行集团一体化经营优势，以市场化债转股方式增资入股雅克科技子公司科美特，在帮 助客户优化资产负债结构的同时，进一步巩固了兴业银行与雅克科技的长期战略合作关系。欣仁 2025年12月31日，江苏雅克科技股份有限公司（证券代码：002409，简称"雅克科技"）发布公告称，其 全资子公司成都科美特特种气体有限公司（简称"科美特"）与兴银金融资产投资有限公司（简称"兴银 投资"）正式签署增资协议。本次合作由兴业银行南京分行联动兴银投资完成，是兴银投资自2025年11 月16日挂牌成立以来，签约的全行首单半导体行业市场化债转股项目，也是股份制银行金融资产投资公 司在江苏省签约的首个市场化债转股项目。 雅克科技是无锡市市值排名头部的上市公司，也是国内半导体材料行业领军企业，本次债转股投资标的 科美特是雅克科技电子特气板块核心子公司，其产品广泛应用于中高压电气设备和半导体刻蚀工艺，为 台积电、三星电子、Intel、中芯国际、海力士、京东方等芯片制造商批量、稳定供应电子特气。 ...

Group 1 - The China Interbank Market Dealers Association is increasing penalties for violations related to bond transaction record-keeping, as many institutions have failed to comply with regulations, hindering effective supervision and enforcement [1] - The Ministry of Commerce and nine other departments are encouraging financial institutions to increase support for green consumption loans, promoting collaboration between financial institutions and trade enterprises to expand the application scenarios for these loans [2] - Several small and medium-sized banks have suspended overseas debit card transactions due to rampant overseas card fraud, indicating a consensus in the industry to enhance risk control measures [3] Group 2 - The newly established financial asset investment companies, such as Xingyin Investment and Zhaoyin Investment, have quickly secured projects, with Xingyin Investment reporting over 6 billion yuan in investments within 45 days of operation, showcasing a divergence in project focus compared to state-owned banks [4] - The implementation of personal credit repair policies starting January 1, 2026, has led to the emergence of illegal intermediaries offering services to "clean" large overdue debts, charging fees ranging from 3,000 to 10,000 yuan [5] - A significant number of banks have appointed chief compliance officers in response to regulatory requirements, with multiple banks announcing such appointments within a month [6] Group 3 - Zhou Feng has been approved to serve as the president of Zhongyuan Bank, with his term starting from December 31, 2025, until the next board election [7] - The banking wealth management sector is expected to shift focus from scale expansion to stability in returns, with a projected 10% growth in market size for 2026, emphasizing a return to genuine stability [8] - The payment industry is undergoing a significant cleanup, with the recent cancellation of the payment license for Zhonggang Yintong, marking the 108th license to be revoked [9] - Wang Feng, the chairman of Bozhou Yaodu Rural Commercial Bank, is under investigation for serious violations of discipline and law, marking a notable case in the banking sector [10]

Core Viewpoint - The article emphasizes the increasing sophistication and concealment of telecom network fraud, highlighting the importance of proactive measures to enhance financial security for the public [10][19]. Group 1: Financial Security Initiatives - Industrial Bank's Shenzhen branch has actively engaged in various anti-fraud educational campaigns, including 27 online and offline promotional posts and over 80 community outreach events, reaching more than 500,000 individuals [11][19]. - The bank participated as an official partner in the Nanshan Half Marathon, promoting financial safety concepts while providing a platform for community engagement [11][15]. - A "Financial Safety Supply Station" was set up at the marathon, where staff educated participants on fraud prevention techniques and the core provisions of the Anti-Telecom Network Fraud Law through interactive games [13][19]. Group 2: Community Engagement and Education - In September 2025, the bank's Luohu branch organized a public viewing event to commemorate the 80th anniversary of the victory in the Anti-Japanese War, inviting local senior citizens and police to conduct anti-fraud education [16]. - The bank's initiatives included a "Warm Winter, Welcome New Year" event, where community members participated in traditional cultural activities while learning about prevalent scams during the holiday season [19]. - Anti-fraud specialists provided detailed explanations of common scams targeting the elderly, enhancing their ability to recognize and avoid potential fraud [18]. Group 3: Commitment to Social Responsibility - The bank is committed to fulfilling its social responsibility by implementing a dual-layer prevention system combining technology and human resources to intercept fraudulent activities and protect potential victims [19]. - Continuous exploration of innovative educational formats aims to integrate anti-fraud awareness into everyday life, contributing to a safer financial ecosystem [19].

Group 1 - The banking sector saw a decline of 0.72% on January 5, with Pudong Development Bank leading the drop [1] - The Shanghai Composite Index closed at 4023.42, up 1.38%, while the Shenzhen Component Index closed at 13828.63, up 2.24% [1] - Key stocks in the banking sector showed mixed performance, with Ping An Bank increasing by 0.79% and Pudong Development Bank decreasing by 4.98% [1] Group 2 - The banking sector experienced a net inflow of 326 million yuan from main funds, while retail and speculative funds saw outflows of 134 million yuan and 192 million yuan, respectively [1] - Among individual banks, Industrial Bank had a net inflow of 251 million yuan from main funds, while Ping An Bank and Pudong Development Bank had net outflows from retail investors [2] - The data indicates a significant outflow from Minsheng Bank and China Merchants Bank, with retail investors withdrawing 67.42 million yuan and 1.45 billion yuan, respectively [2]

作为绿色金融的坚定践行者，兴业银行重庆分行始终秉持"绿水青山就是金山银山"的发展理念，积极探 索金融支持文化遗产与生物多样性保护的新路径。此次贷款为大足石刻的永续传承与生态提升提供了扎 实的金融保障，形成了可复制、可推广的文旅生态融资范例，彰显了该行以金融力量守护文化根脉、赋 能绿色发展的企业担当。（李彦霓） 编辑：赵鼎 转自：新华财经 近日，兴业银行重庆盘龙支行成功向大足石刻景区投放2.93亿元贷款，标志着重庆首笔生物多样性挂钩 贷款正式落地。该笔贷款以金融创新为驱动，将文化遗产保护与生态价值提升紧密结合，实现了文化传 承、生物多样性保护与金融服务的有机融合，为世界遗产的可持续保护注入崭新动能。 国家一级保护植物等珍稀物种在大足石刻繁衍生息，形成了"石刻与自然共生"的独特生态人文景观。此 次创新型贷款突破传统融资模式，将贷款利率与石刻周边植被覆盖率、重点名木保护数量等生态指标动 态挂钩，实现"保护越好、成本越低"，推动生态效益与金融激励良性互动。 该项目的成功落地，是兴业银行重庆分行在绿色文旅金融领域的一次重要突破。通过生物多样性挂钩贷 款这一创新工具，精准支持文化遗产保护与生态修复协同推进：生态层面助力构 ...