中经记者 杨井鑫 北京报道 伴随着一系列并购相关政策的出台，国内市场的并购热度持续提升。 2025年12月31日，国家金融监督管理总局（以下简称"金融监管总局"）发布了《商业银行并购贷款管理 办法》（以下简称《办法》）。《办法》明确表示，允许并购贷款用于参股型并购。同时，提高控制型 并购贷款占并购交易价款比例上限，延长贷款最长期限。 2026年开年仅半月时间，多家商业银行的并购贷款项目贷款已频频落地。 据《中国经营报》记者了解，自2025年下半年以来，监管陆续出台了多项政策支持市场的并购重组行 为，提升了并购市场活跃度。同时，金融监管总局的并购贷款新规拓展了融资范围，明确将参股型并购 纳入了支持范畴。 释放并购需求 金融监管总局相关负责人表示，《办法》实施将有利于增加并购资金供给，进一步发挥并购重组在盘活 存量、带动增量方面的积极作用，优化资源配置，加快传统产业升级和新兴产业发展，实现新旧发展动 能平稳接续转换。同时，由于并购交易规模较大，时效性较强，并购主体面临较大的资金压力。 为了更好地满足并购交易的融资需求，《办法》在引入参股型并购贷款的基础上，将控制型并购贷款占 并购交易价款比例上限从60%提高至70 ...

| 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 616009 | 江苏银行 | 9.76 | -2.69% | 206.13万 | 20.33亿 | | 601229 | 上海银行 | 9.64 | -2.43% | 96.12万 | 9.33亿 | | 600926 | 杭州银行 | 15.37 | -1.98% | 76.25万 | 11.83 Z | | 002948 | 青岛银行 | 4.25 | -1.85% | 42.89万 | 1.83亿 | | 601665 | 齐鲁银行 | 5.40 | -1.82% | 70.26万 | 3.81亿 | | 601169 | 北京银行 | 5.24 | -1.69% | 256.10万 | 13.51亿 | | 601963 | 重庆银行 | 10.19 | -1.64% | 12.80万 | 1.31亿 | | 601577 | 长沙银行 | 9.14 | -1.51% | 19.86万 | 1.82亿 | | 6000009 | 南京银行 ...

Group 1 - China's innovation ecosystem has shown significant results, with many small tech companies receiving support in technology and funding, facilitating their technological breakthroughs [1][10] - Over 600,000 tech and innovative SMEs have been cultivated in China, with more than 140,000 specialized and innovative SMEs and over 17,600 national-level "little giant" enterprises [10] - Private enterprises constitute the majority among specialized and innovative SMEs, which are crucial for the country's technological self-reliance efforts [10] Group 2 - Beijing Bank is a representative pioneer in nurturing industrial innovation through financial support, focusing on technology finance as its primary strategy [2][11] - The bank aims to build a "specialized and innovative first bank" by restructuring service structures and innovating product systems to empower private and tech SMEs [2][12] Group 3 - Beijing Bank has developed a comprehensive financial service system that accompanies tech enterprises throughout their development cycle, providing tailored financial support [4][13] - The bank has established a "1+18+N" technology finance specialized network, serving nearly 60,000 tech SMEs with over 1.45 trillion yuan in credit funding [5][14] Group 4 - The core challenge in serving specialized and innovative enterprises lies in pricing their intangible assets, such as patents and data algorithms, which differ from traditional hard assets [6][15] - Beijing Bank has innovated its risk assessment by integrating various data sources to create dynamic digital profiles of enterprises, enhancing financing efficiency [7][15] Group 5 - The bank's strategy extends beyond individual financing solutions to building a collaborative industrial innovation ecosystem, focusing on key industries like information technology and high-end equipment [18] - By acting as a resource connector, Beijing Bank helps tech companies find market orders and investment partners, transitioning from mere financing to comprehensive intelligence integration [18][19]

"盼望'老破小'旧貌换新颜，更多的老旧楼原拆原建，老街坊们都能过上舒心的日子"。半个月前，一位 网名叫"北京老兵"的网友在看到北京市西城区三里河一区28号楼"原拆原建"老楼完成封顶消息后，随即 这样留言道。 "北京老兵"的愿望也许会加速实现。2026年1月15日，记者从北京金融监管局获悉，在国家金融监督管 理总局大力支持下，该局争取到全国唯一的金融支持危旧楼改建试点政策，针对居民融资痛点，指导试 点银行在全国首创"个人住房改建贷款"专属产品，并创新"带押改建"模式。 项目实施主体签订改建协议。二是信用状况良好，具有还款能力。三是按合同要求缴纳相应首付款。四 是办理所改建住房的抵押登记。五是其他需要配合的相关材料。 北京银行工作人员告诉记者，未来该行将在监管部门的持续指导下，主动对接全市范围内的危旧楼改建 项目，全面复制推广试点成功经验，以更精准、高效的金融服务助力更多居民实现"安居梦"，为首都城 市更新与民生改善事业注入金融动能。 试点项目中已在原房屋上设立抵押的存量贷款银行，自动成为带押改建试点银行。具体到三里河一区项 目，共涉及北京银行、中国建设银行北京市分行、中国工商银行北京市分行等7家试点银行。 而对 ...

证券之星消息，1月15日城商行板块较上一交易日下跌0.59%，青岛银行领跌。当日上证指数报收于 4112.6，下跌0.33%。深证成指报收于14306.73，上涨0.41%。城商行板块个股涨跌见下表： 以上内容为证券之星据公开信息整理，由AI算法生成（网信算备310104345710301240019号），不构成投资建议。 | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 002948 | 青岛银行 | 4.33 | -1.37% | 30.97万 | 1.35亿 | | 601665 | 齐鲁银行 | 5.50 | -1.26% | 49.75万 | 2.75 Z | | 600928 | 西安银行 | 3.69 | -1.07% | 25.34万 | 9382.87万 | | 002936 | 郑州银行 | 1.92 | -1.03% | 113.42万 | 2.18亿 | | 691169 | 北京银行 | 5.33 | -0.93% | 217.99万 | 11.67亿 | | 61600 ...

Core Insights - The rising gold prices have sparked a surge in demand for bank safe deposit boxes, leading to a situation where they are in high demand but low supply [1][4][12] - Many banks in Beijing report that all safe deposit boxes are currently rented out, with waiting lists exceeding 100 customers at some locations [2][10] - The demand for safe deposit boxes is driven by increased interest in gold investments, as geopolitical risks continue to elevate the appeal of gold as a safe-haven asset [4][12] Demand and Supply Dynamics - The demand for safe deposit boxes has significantly increased, with banks reporting a notable rise in inquiries since last year [4][12] - Banks are struggling to keep up with the demand, as the supply of safe deposit boxes has not increased in tandem, leading to a shortage [6][15] - Some banks have ceased offering safe deposit box services altogether due to high maintenance costs and low profitability [15][16] Pricing and Features - Different banks offer various sizes and pricing structures for safe deposit boxes, with significant variations in rental fees [3][11] - For example, at China Merchants Bank, the smallest box has a monthly rental fee of 50 yuan, while larger boxes can cost up to 42,000 yuan annually [11] - Postal Savings Bank offers a fully automated safe deposit box with advanced security features, including 24-hour monitoring and multiple verification methods for access [5][13] Market Trends - The ongoing geopolitical tensions and expectations of continued low interest rates are expected to sustain the demand for gold and, consequently, safe deposit boxes [4][12] - Investors are increasingly looking for secure storage options for their gold investments, as concerns about home security grow [4][12] - Some banks are innovating their services, such as offering promotional deals for customers purchasing gold products, to attract more clients [16]

Core Viewpoint - The surge in gold prices has led to a significant increase in demand for bank safe deposit boxes, resulting in a shortage of available boxes in Beijing banks [1][4]. Group 1: Demand for Safe Deposit Boxes - There is a booming demand for safe deposit boxes as residents are increasingly investing in gold, with reports indicating that many banks are fully booked and customers are facing long waiting lists [1][2]. - Some banks have reported waiting lists exceeding 100 people, with estimates suggesting that new customers may not be able to rent boxes until 2026 [2][4]. Group 2: Supply Constraints - The supply of safe deposit boxes has not kept pace with the rising demand, as only larger bank branches typically offer this service, and many smaller branches do not have safe deposit box facilities [1][6]. - Factors such as space limitations and high maintenance costs have prevented banks from expanding their safe deposit box offerings, leading to a decline in the availability of this service [6]. Group 3: Pricing and Variability - Different banks offer various sizes and pricing structures for safe deposit boxes, with significant differences in rental fees based on box dimensions [3][4]. - For example, at China Merchants Bank, the smallest box has a monthly rental fee of 50 yuan, while larger boxes can cost up to 42,000 yuan annually [3]. Group 4: Investor Sentiment and Alternatives - Investors express concerns about the safety of storing physical gold at home, leading many to prefer bank safe deposit boxes for their perceived security [5]. - Some investors are considering alternatives such as home safes due to the high rental costs and long wait times associated with bank safe deposit boxes [7]. Group 5: Innovations and Promotions - To address the supply-demand imbalance, some banks are exploring smart upgrades and promotional offers to attract customers, such as free rental periods for new clients purchasing gold products [7]. - For instance, Qingdao Rural Commercial Bank has offered promotional incentives for customers purchasing gold products, including free usage of safe deposit boxes for a limited time [7].

"现在金价涨得厉害，我也入手了一些金条，但贵重物品不敢放家里，朋友建议找个银行保管箱存放。"投资者小李告诉记者，如今手里的黄金已有200多 克，然而，当他咨询银行保管箱业务时才发现，"租箱子比买金子难多了"。 2026年以来，全球地缘政治风险呈现多点扩散与升级态势，持续为贵金属注入强劲的避险需求，黄金价格涨势不减。在此背景下，中国证券报记者调研发 现，银行保管箱租赁业务走红。1月14日，中国证券报记者走访北京地区多家银行的分行营业部与支行发现，银行保管箱"一箱难求"，多家银行工作人员 告诉记者，目前所有型号的保管箱均已租罄，排队候租的客户多达上百人。 想租保险箱需排队等候 1月14日，记者来到平安银行北京分行营业部，该行工作人员向记者表示："北京地区只有分行营业部有保管箱，但现在全是满箱，得等有人退才能租，可 以先排上队等候。"当被问及今年是否有望租到时，对方表示："前面排队的人很多，2026年够呛了。" 在招商银行北京分行营业部，该行工作人员向记者坦言："现在没有空箱，只能排队等候，前面已有100多人在排队，而且是最小号的细长条箱子。要是大 箱子，能排到的可能性就更低了。"据介绍，招商银行保管箱根据不同尺寸 ...

| 代码 | 简称 | 今日涨跌幅（%） | 今日换手率（%） | 主力资金流量（万元） | | --- | --- | --- | --- | --- | | 600036 | 招商银行 | -2.58 | 0.93 | -203476.81 | | 601169 | 北京银行 | -2.71 | 2.18 | -92629.68 | | 601166 | 兴业银行 | -2.38 | 0.61 | -51513.60 | | 600000 | 浦发银行 | -2.85 | 0.41 | -31061.75 | | 600015 | 华夏银行 | -2.81 | 0.99 | -27174.30 | | 601288 | 农业银行 | -1.71 | 0.12 | -24314.35 | | 601658 | 邮储银行 | -1.68 | 0.32 | -19835.95 | | 000001 | 平安银行 | -0.96 | 0.66 | -18038.37 | | 601398 | 工商银行 | -1.54 | 0.14 | -15404.23 | | 601988 | 中国银行 | -1.44 | 0 ...

证券之星消息，1月14日城商行板块较上一交易日下跌2.11%，北京银行领跌。当日上证指数报收于 4126.09，下跌0.31%。深证成指报收于14248.6，上涨0.56%。城商行板块个股涨跌见下表： 从资金流向上来看，当日城商行板块主力资金净流出7.29亿元，游资资金净流入6.76亿元，散户资金净流 入5319.75万元。城商行板块个股资金流向见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | | --- | --- | --- | --- | --- | --- | --- | | 601169 | 北京银行 | 5.38 | -2.71% | 460.89万 | | 25.14亿 | | 601963 | 重庆银行 | 10.30 | -2.37% | 11.56万 | | 1.20亿 | | 600926 | 杭州银行 | 15.62 | -2.13% | 73.84万 | | 11.59亿 | | 601665 | 齐鲁银行 | 5.57 | -2.11% | 79.36万 | | 4.46 Z | | 6000009 | 南京银行 | 10.69 | ...