临近春节，农业银行北京海淀白石桥支行大堂的客流量比以往更大了些。这家支行的行长郭雅丹告诉中 国证券报记者，近期，前来取新钞、换新钞的个人客户和对公客户比较多。这类现金业务是网点节前最 忙碌的业务之一。为满足市民过年的需求，农行提前优化了现金调拨流程，确保各种面额的新钞有充足 的供应。 "最近，不少老客户反馈说，来银行网点办理业务的体验更好了。比如，不用在集中的座位区人挨着人 等待被叫号，而可以像在咖啡馆那样闲坐，喝点咖啡、从阅览区拿本书读一读。"郭雅丹边介绍边带记 者观看了大堂内圆桌式等候区和半封闭式业务窗口的全新设计。这些设计更加注重客户个人信息保护， 加入更多人文关怀元素。 ● 本报记者 薛瑾 在北京海淀中关村南大街的一家银行网点，年过七旬的白大爷走出柜台隔间，接过工作人员递上的一沓 带有手工拓印生肖纹样的红包，笑逐颜开："春节快到了，来银行取点儿新钱，留着给孩子们发压岁 钱。银行还送了我几个红封，真喜庆！" "习惯来网点办理业务的客群，很多人的需求已超越了'快'，更在乎'稳'和'暖'。"郭雅丹说，支行在2025 年末完成了"焕新"，成为农行新式网点的代表之一，已从单纯的金融业务柜台，变成了综合性的、具有 ...

Core Viewpoint - The gold market is experiencing a surge in demand ahead of the Spring Festival, with spot gold prices stabilizing above $5000 per ounce, while financial institutions are adopting a cautious approach by tightening investment criteria and risk assessments [1][4][5]. Group 1: Gold Price Dynamics - As of February 9, spot gold prices reached a high of $5047.257 per ounce, marking a significant recovery above the $5000 threshold [1]. - The current bull market for gold has seen prices increase by over 246% since September 2022, with a notable rise of 64.56% in 2025 alone [3]. - Despite recent volatility, including a sharp drop to $4402.06 per ounce, gold prices rebounded quickly, indicating strong market resilience [3][4]. Group 2: Institutional Responses - Major banks have raised the entry thresholds for gold investment, with institutions like China Construction Bank increasing the minimum amount for gold accumulation to 1500 yuan [5][6]. - Risk assessment standards have been tightened, requiring clients to achieve a cautious risk rating before engaging in gold accumulation products [6]. - These measures are in response to the heightened volatility in gold prices and aim to protect inexperienced investors from potential losses [6]. Group 3: Consumer Behavior and Recommendations - There is a growing demand for physical gold products, with banks reporting shortages and advising customers to purchase online [8][9]. - Consumers are encouraged to clarify their purchasing intentions, distinguishing between investment and consumption, and to consider strategies like dollar-cost averaging to mitigate risks [10][11]. - The market is expected to remain volatile during the Spring Festival, with predictions of gold prices fluctuating between $4600 and $5000 per ounce [11].

农行的工作人员在制作拓印红包 本报记者 薛瑾 摄 "习惯来网点办业务的客群，很多人的需求已超越了'快'，更在乎'稳'和'暖'。"郭雅丹说，支行2025年末完成了"焕新"，成为农行的新式网点代表之一，已 经从单纯的金融业务柜台，变成了综合性的、具有人情味的"社区服务站"。网点除了常备热水、充电设备等，为市民提供"歇脚点"，还充当了逢年过节活 跃在周边社区的"节假日氛围组"。 在北京海淀中关村南大街的一家银行网点，年过七旬的白大爷走出柜台隔间，接过工作人员递上的一叠手工拓印生肖纹样的红包，笑逐颜开："快到春节 了，来银行取点新钱，留着给孩子们发压岁钱，银行还送了我几个红包，真喜庆！" 临近春节，农业银行北京海淀白石桥支行的大堂比以往客流量更大了些。支行行长郭雅丹告诉中国证券报记者，近期，前来取新钞、换新钞的个人客户和 对公客户比较多，这类现金业务也是网点节前最忙碌的业务之一。为满足市民的年俗需求，农行提前优化了现金调拨，确保各面额的新钞有充足的供应。 "最近，不少老客户反馈说，办业务的体验更好了。比如，不用在集中的座位区人挨着人等待被叫号，而是可以像在咖啡馆闲坐，喝点咖啡、从阅览区拿 本书读一读；办业务的时候，也 ...

又到岁末年初，兑换崭新钞票包红包是许多家庭的春节传统。近期各大银行的新钞预约火热，一场新钞"预约战"就此打响。 时代财经注意到，目前多家银行均支持储户通过手机银行APP线上预约新钞，并自行选择方便的网点支取。从预约情况来看，不少银行十分火爆，部分地 区甚至"一钞难求"，如招商银行APP日前显示，该行深圳地区的线上新钞预约额度使用完毕，暂不提供服务，如有新钞兑换需求，储户可咨询各营业网 点。 在广东省等流行换新钞、备"利是"的地区，小面额钞票预约尤其紧张，20元、50元面值的新钞最为抢手。"今年广东的很多银行都很难拿到20元新钞，问 了很多都说没有，都是给10元新钞代替。"2月6日，来自广东的储户林女士如此表示。 据工商银行深圳市分行近日发布，2026年新春，工商银行深圳市分行在工银微金融小程序开启了"利是钞预约"服务通道。该行同时称，利是钞指新钞或符 合流通标准且整洁度较高的环保钞，网点将优先提供新钞，当新钞额度兑换完毕后，将提供环保钞，同样寓意吉祥；另外，利是钞支持预约100元、50 元、20元、10元、5元共五种券别，可以满足储户的多样需求。 从额度来看，该行上述5种面额新钞的可预约张数均为100张，储户 ...

聚焦实体经济，注入金融活水 为切实落实金融服务实体经济的要求，本次活动还举行了多轮专项签约。 （来源：广州金融） 2月6日，中国农业银行广州分行（以下简称"农行广州分行"）联合广州市"百千万工程"指挥办、天河区政府及相关战略合作企业，在广州国际金融城隆重 举办"金融助力广州高质量发展"系列签约活动。 立足金融城，深化银政企协同 作为首家入驻广州国际金融城的国有大行区域总部，以及天河区重点税源单位和银行业收入首位机构，农行广州分行始终肩负着服务国家战略与地方发展 的双重使命。 活动现场，农行广州分行与天河区政府正式签署战略合作协议。双方将以此次签约为契机，进一步深化银政合作，通过金融纽带的深度连接，共同提升核 心城区的发展能级。此次合作旨在紧扣国家发展战略，立足区域特色，紧抓"十五五"发展主线，将支持省、市、区高质量发展的决策部署转化为扎实的行 动。 助力乡村振兴与城乡融合 农行广州分行与4家"百千万工程"重点企业签约，旨在通过金融力量助力县域发展提质、推动城乡融合共进，为乡村振兴提供坚实的金融支撑。 赋能重点产业与重大项目 该行还与12家重点战略客户达成深度合作。合作将聚焦实体经济、重点产业及重大项目建设，通 ...

"农业银行广东分行始终坚持服务'三农 '主责主业，深入践行金融工作的政治性与人民性，持续完善覆 盖城乡的服务体系、精准赋能的产品体系、惠农强基的队伍体系，凝聚起服务乡村振兴的强大合力。"2 月5日，在广州举办的"百千万工程"金融服务发布会上，农业银行广东分行党委书记、行长刘明尧在致 辞中介绍了上述情况。 展望未来，农业银行广东分行将进一步扛牢服务"三农"的金融使命，坚决贯彻落实党中央及省委省政府 各项决策部署，加强与各级"百千万工程"指挥办、国资、农业农村等部门的联动对接，持续奋斗、积极 作为，以更高水平、更有效能的金融服务支持"百千万工程"，为广东城乡区域协调发展注入更坚实的金 融动力。 （文章来源：21世纪经济报道） 刘明尧表示，每年，分行接续制定并实施"百千万工程"专项服务方案，紧盯重点领域加大金融供给，推 动资源向基层倾斜、服务向一线下沉，有力助力"百千万工程"实现"三年初见成效"，获得各级党政部门 与社会各界的广泛认可。下一步，农业银行广东分行将紧紧围绕省委"1310"具体部署，继续奋发有为、 强化担当，重点聚焦县域产业发展、县镇村功能面貌提升、县域投融资体制改革及海洋强省建设，推动 金融供给更加精 ...

2026年2月6日，中国农业银行（601288）发布公告称，中国农业银行将于2026年2月9日发售2026年记账 式附息（一期）国债（续发）（债券简称"26附息国债01（续1）"），债券托管机构为"中央国债登记结 算有限责任公司"。 具体办理流程请参见中国农业银行网银、掌银渠道产品介绍或咨询中国农业银行营业网点及95599热 线。 为保护投资者权益，中央国债登记结算有限责任公司提供账务复核查询服务，投资者可于债券上市日 起，拨打中央国债登记结算有限责任公司余额复核查询电话，根据语音提示输入债券托管账号，核对债 券余额信息。查询电话：400-666-5000。 本次中国农业银行分销的债券代码为260001X1，分销期为2月9日，上市日为2月11日。分销期过后的上 市首日续发债券260001X1代码将变更为260001。 26附息国债01为1年期固定利率债券，剩余期限为0.93年，到期一次还本付息。发行人于2027年1月15日 （节假日顺延）偿还本金（债券面值）并支付利息。根据2026年2月6日银行间债券市场招标结果，本期 债券到期收益率为1.2661%，全价为100.04元/份。 此次债券的发售对象为全国范围内 ...

Core Insights - The report focuses on fixed income + products issued by wealth management companies, highlighting superior performing products available for investors through distribution channels [1] - A ranking of products is provided based on their annualized performance over the last month, three months, and six months, with a particular emphasis on the three-month annualized yield to reflect their performance amid recent market fluctuations [1] Distribution Channels - The report includes a list of 28 distribution institutions, which consist of major banks such as Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, and others [1] Product Performance - The ranking showcases various products with their respective annualized yields, indicating the performance metrics over different time frames, such as 2.64% for one month and 9.11% for three months for a specific product [5] - The data is sourced from the South Finance Financial Terminal, with statistics as of February 5, 2026, providing a snapshot of the current market offerings [5][10]

Core Insights - The article focuses on the performance of minimum holding period RMB public offering products, ranking them based on annualized returns for holding periods of 7, 14, 30, and 60 days [1] Group 1: 7-Day Holding Period Products - The top-performing product is from Minsheng Bank with an annualized return of 7.56% [5] - Other notable products include a 6.98% return from Shanghai Bank and a 6.04% return from Minsheng Bank [5] Group 2: 14-Day Holding Period Products - The leading product is from Minsheng Bank with a return of 7.39% [8] - China Bank follows with a return of 4.44% [8] Group 3: 30-Day Holding Period Products - The highest return is 18.14% from Hangzhou Bank [12] - Other significant returns include 12.34% from Minsheng Bank and 9.72% from Minsheng Bank [12][13] Group 4: 60-Day Holding Period Products - The top product is from China Bank with a return of 9.33% [15] - Other products include 5.95% from Shanghai Bank and 5.54% from Huaxia Bank [15][16]

Investment Rating - The industry rating is "Buy" [4] Core Views - The trade return ratio has turned positive again, and the service trade deficit has significantly narrowed [16][18] - The cross-border capital flow is expected to gradually return, positively impacting domestic liquidity [5][19] - The service trade deficit for December 2025 was 966 billion CNY, a year-on-year decrease of 466 billion CNY, with a full-year deficit of 13,760 billion CNY, down 2,544 billion CNY, approximately 16% [18] Summary by Sections 1. Current Observation - The State Administration of Foreign Exchange (SAFE) released data on China's international balance of payments for December 2025, indicating a potential impact on the central bank's willingness to settle foreign exchange [16] - The trade return ratio is at a historical high, with a monthly unconverted trade net outflow of 447 billion CNY, a year-on-year increase of 1,392 billion CNY [17] 2. Arbitrage Trading Returns - The arbitrage trading return rate for 10Y US Treasury bonds in CNY has dropped significantly to -1.77%, indicating a shift in cross-border capital dynamics [17] 3. Service Trade Deficit - The service trade deficit has narrowed significantly, with major contributions from improved policies for foreign visitors, reduced international shipping costs, and enhanced competitiveness in high-tech services [18] 4. Cross-Border Liquidity Outlook - Despite the recent appointment of Kevin Warsh as the next Federal Reserve Chair, the trend of cross-border capital return is expected to continue, influenced by the Fed's monetary policy stance [19][21] - The short-term liquidity in the US remains tight, with limited space for balance sheet reduction, while long-term prospects depend on economic performance [20][21]