◎记者 黄坤 2026年，银行经营工作怎么干？在低利率环境下，银行业如何稳增长、防风险、促转型，成为新一年经 营管理工作的核心命题。 近期，国有大行、股份行以及多家头部城商行、农商行相继召开2026年经营管理工作会议，聚焦服务实 体经济、优化业务结构、强化风险防控和推进数智化转型等重点任务，对全年经营工作"划重点"。 国有大行稳中求进 服务实体是首位 从国有大行的2026年经营管理工作会议部署看，"稳中求进"仍是主基调，服务国家战略和实体经济被普 遍置于首要位置。 一方面，国有大行普遍将加大对重大战略、重点领域和薄弱环节的金融支持，围绕科技创新、普惠金融 等方向持续发力，做好金融稳定的"压舱石"。相关表述中，"专注主责主业""加大重点领域融资供给"为 高频词。 工商银行表示：突出主责主业，投资于物和投资于人紧密结合，加大贷款投放、债券投资力度，做深做 精"五篇大文章"，全力服务"四稳"；加力支持扩大内需、科技创新、中小微企业等重点领域，以及"十 五五"重大工程、重大项目；靠前服务"两重一薄"，积极惠民生促消费，助力服务业扩能提质。 农业银行2026年将加大重点领域融资供给。坚持投资于物与投资于人紧密结合，持续 ...

格隆汇2月1日｜随着近期金价大幅震荡，工行、农行、中行、建行、交行等多家银行相继调整积存金相 关业务，并发布风险提示。 工商银行今日发布消息称，近期国内外贵金属价格波动剧烈，市场不确定性显着增强。建议投资者在审 慎评估自身风险承受能力的基础上，保持理性投资心态，避免盲目追涨杀跌，合理控制持仓规模，有效 防范市场波动风险。工行还公告，自2月7日起，在周末以及法定节假日等非上海黄金交易所交易日，该 行将对如意金积存业务进行限额管理，限额类型包括全量或单一客户单日积存/赎回上限、单笔积存或 赎回总量上限等，并进行动态设置，提金不受影响。 建设银行称，自2月2日上午9时10分起，个人黄金积存业务定期积存起点金额上调至1500元人民币。农 行建议投资者增强风险防范意识，基於自身财务状况和风险承受能力理性办理存金通黄金积存业务。 中国银行表示，2026年以来，贵金属市场的不确定性因素较多，价格大幅波动。提示各位客户做好市场 风险防范，基於自身财务状况和风险承受能力开展贵金属交易活动，合理控制贵金属持仓规模，防范贵 金属价格波动带来的资金损失风险。 ...

Core Viewpoint - Agricultural Bank of China (ABC) Jinan Port West Branch is enhancing support for small and micro enterprises through innovative service models and optimized business processes, contributing significantly to regional economic development [1] Group 1: Financial Services Innovation - The branch successfully issued a "Mortgage e-loan" to a food processing company, demonstrating its commitment to serving the real economy [1] - The loan approval process was completed in just 72 hours, showcasing the bank's efficient service and ability to meet urgent financing needs [1] Group 2: Client-Centric Approach - The branch actively engages with local small and micro enterprises to understand their needs, providing dedicated customer managers for "one-stop" financing services [1] - This proactive approach significantly reduces loan approval and disbursement times, aligning with the financing characteristics of small and micro enterprises [1] Group 3: Economic Impact - As a key financial player in local economic development, ABC Jinan Port West Branch aims to provide "financial lifeblood" to small enterprises, thereby fostering high-quality regional economic growth [1]

Core Viewpoint - The recent volatility in precious metal prices has prompted major banks in China, including Industrial and Commercial Bank of China (ICBC), to issue risk warnings and adjust their gold accumulation business rules to mitigate market risks [1][4][5]. Group 1: ICBC's Actions - ICBC has issued a warning regarding the significant fluctuations in domestic and international precious metal prices, advising investors to assess their risk tolerance and maintain a rational investment mindset [1]. - The bank recommends a long-term perspective on investments, advocating for a diversified and balanced approach while closely monitoring market changes [1]. - Starting February 7, ICBC will implement limit management on its "Ruyi Gold Accumulation" business, including daily limits on accumulation and redemption for individual clients [2]. Group 2: Other Banks' Responses - China Construction Bank (CCB) has raised the minimum amount for personal gold accumulation to 1500 yuan, effective February 2, and has also issued a risk warning due to increased market volatility [4]. - Bank of China (BOC) has highlighted the uncertainties in the precious metal market since 2026, urging clients to manage their investments based on their financial situation and risk tolerance [5]. - Agricultural Bank of China (ABC) has mandated risk assessments for clients engaging in gold accumulation activities, requiring a cautious rating or higher to proceed with transactions [6].

Core Viewpoint - Recent fluctuations in gold prices have led multiple banks, including ICBC, ABC, BOC, CCB, and BOCOM, to adjust their gold accumulation services and issue risk warnings [1][2]. Group 1: ICBC Adjustments - ICBC announced on February 1 that the volatility in domestic and international precious metal prices has significantly increased, advising investors to assess their risk tolerance and maintain a rational investment mindset [3]. - Starting February 7, ICBC will implement limit management on its gold accumulation services during non-trading days, including daily limits on accumulation/redemption and total limits on single transactions [4]. - The minimum investment amount for ICBC's gold accumulation was raised from 1,000 yuan to 1,100 yuan as of January 8, and only personal clients with a C3 (balanced) rating or above can engage in gold accumulation starting January 12 [6]. Group 2: CCB Adjustments - CCB announced on January 30 that the minimum investment amount for personal gold accumulation services will increase to 1,500 yuan starting February 2 [8]. - CCB emphasized the heightened market risks due to increased volatility in precious metal prices and urged clients to enhance their risk awareness and manage their positions carefully [10]. Group 3: BOCOM Adjustments - BOCOM stated on January 29 that only clients with a growth, aggressive, or dynamic risk tolerance assessment can engage in all gold wallet services starting January 31 [12]. - Clients with conservative, stable, or balanced assessments can only perform limited actions such as real-time selling and redeeming physical gold [12]. - BOCOM had previously issued a risk warning on December 31, advising investors to monitor market changes and manage their positions effectively [14]. Group 4: ABC Adjustments - ABC announced on January 26 that starting January 30, clients must complete a risk assessment questionnaire and achieve at least a cautious rating to engage in its gold accumulation services [15]. - ABC also recommended that investors enhance their risk awareness and make rational decisions based on their financial situation and risk tolerance [15]. Group 5: BOC Risk Warning - BOC issued a risk warning on January 30, highlighting the uncertainties in the precious metals market since 2026 and advising clients to manage their positions carefully to mitigate potential losses from price fluctuations [17].

Group 1: Market Trends - The silver market experienced a historic drop, with spot silver prices plunging 36%, marking the largest intraday decline in history, while spot gold prices fell over 12%, the largest single-day drop in 40 years. This decline is attributed to the nomination of Kevin Warsh as the next Federal Reserve Chairman, interpreted as a shift towards a more hawkish monetary policy, alongside factors like an overheated market and a downturn in U.S. stocks [2] - Bitcoin fell below $79,000, reaching its lowest level since April 2025, with over 420,000 investors liquidated, totaling $2.561 billion in liquidation. The price drop is influenced by escalating tensions between Israel and Iran, as well as delays in new regulatory frameworks for the U.S. crypto industry [2] - The semiconductor industry in South Korea saw a significant increase in exports, totaling $20.5 billion in January, a year-on-year surge of over 102%, indicating strong global demand for semiconductors. Additionally, domestic chip manufacturers are raising prices, with increases up to 80% across key segments [3] Group 2: Company Financials - Vanke announced an expected loss of 82 billion yuan for 2025, which would set a record for losses among A-share real estate companies. The anticipated losses are attributed to a decline in project settlement scale, low gross margins, and various impairments [2] - Ten companies, including Deep Konka A and Jiyou Co., have issued warnings about potential delisting due to financial indicators falling below required thresholds, including negative net assets and profits [4] - Several brokerages have released their investment recommendations for February, focusing on sectors such as technology and cyclical stocks, with companies like China Pacific Insurance and Zijin Mining receiving multiple endorsements [5]

Group 1 - The iconic "Golden Avenue" at the Macau Emperor Entertainment Hotel has lost its 78 kilograms of gold embedded in the lobby floor tiles, raising suspicions among netizens about its removal by staff [1][3] - The gold, valued at over 85.8 million yuan based on the domestic gold price exceeding 1100 yuan per gram, was confirmed to have been removed for internal renovations, not due to gold price fluctuations [3][4] - The Macau Emperor Entertainment Hotel is owned by Emperor Entertainment Hotel Limited, and the "Golden Avenue" was made up of 78 individually numbered gold bars of Swiss 999.9 pure gold [4] Group 2 - Several major banks, including ICBC, ABC, BOC, CCB, and Bank of Communications, have adjusted their gold accumulation business in response to significant fluctuations in gold prices [5] - ICBC announced changes to its gold accumulation business rules, including a new minimum purchase amount of 1100 yuan and limits on transactions during non-trading days [6][9] - CCB raised the minimum amount for personal gold accumulation to 1500 yuan and advised customers to be aware of market risks due to increased volatility in precious metals [10][12] - Bank of Communications implemented restrictions on gold-related transactions based on customers' risk assessment results, allowing only certain profiles to engage in all business activities [13] - ABC required customers to complete a risk assessment before engaging in gold accumulation services, emphasizing the importance of risk awareness [15] - BOC highlighted the uncertainties in the precious metals market since 2026 and urged customers to manage their positions carefully to mitigate potential losses [15]

Core Viewpoint - Recent volatility in domestic and international precious metal prices has significantly increased market uncertainty, prompting banks to issue risk warnings and adjust their gold accumulation business practices [1][3][4]. Group 1: Risk Warnings from Banks - Industrial and Commercial Bank of China (ICBC) advised investors to maintain a rational investment mindset and avoid impulsive trading, suggesting a long-term perspective and a diversified investment approach [1][2]. - Agricultural Bank of China (ABC) announced that clients must complete a risk assessment to engage in gold accumulation services, emphasizing the need for a cautious risk profile [12]. - Bank of China (BOC) highlighted the uncertainties in the precious metals market since 2026 and urged clients to manage their investment scale carefully to mitigate potential losses [13]. Group 2: Adjustments in Gold Accumulation Services - Construction Bank (CCB) raised the minimum investment amount for its gold accumulation services to 1,500 yuan, indicating a proactive approach to market changes [4]. - Traffic Bank (BCOM) modified its gold wallet services, allowing only clients with higher risk tolerance to engage in all related transactions, while others are limited to specific actions [8]. - ABC's adjustments to its gold accumulation services require clients to achieve a cautious risk assessment result before proceeding with transactions [12].

Core Viewpoint - Recent fluctuations in gold prices have led multiple banks, including ICBC, ABC, BOC, CCB, and BOCOM, to adjust their gold accumulation services and issue risk warnings to investors [1][5][13][15]. Group 1: ICBC Adjustments - ICBC announced adjustments to its gold accumulation business, advising investors to assess their risk tolerance and maintain a rational investment mindset amid significant market uncertainty [1]. - Starting February 7, ICBC will implement limit management on its gold accumulation services during non-trading days, including weekends and public holidays [2]. - The minimum investment amount for ICBC's gold accumulation was raised from 1,000 yuan to 1,100 yuan as of January 8 [4]. Group 2: CCB Adjustments - CCB increased the minimum investment amount for its gold accumulation services to 1,500 yuan effective February 2 [5]. - CCB emphasized the heightened market risks due to increased volatility in precious metal prices and urged customers to enhance their risk awareness [7]. Group 3: BOCOM Adjustments - BOCOM announced that only clients with a risk tolerance assessment result of growth, aggressive, or high-risk can engage in all gold wallet services starting January 31 [8]. - Clients with conservative or balanced risk assessments are limited to specific transactions, such as real-time selling and redeeming physical gold [9]. Group 4: ABC Adjustments - ABC stated that from January 30, personal clients must complete a risk assessment and achieve at least a cautious rating to engage in gold accumulation services [13]. Group 5: BOC Risk Warning - BOC highlighted the uncertainties in the precious metals market since 2026 and advised clients to manage their gold holdings carefully to mitigate potential financial losses from price fluctuations [15].

中经记者 张漫游 北京报道 近日，工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行六家国有大行陆续召开2026年 党建和经营（管理）工作会议，对2026年重点任务进行部署。 《中国经营报》记者梳理发现，2026年，4家国有银行明确要布局数智化发展，在2025年仅一家国有银 行提到数智化；同时2026年多家银行提出降本增效。 业内人士认为，这一变化折射出在经济增长模式深化调整、利率市场化持续推进、客户行为深度线上化 以及金融科技深刻演进的宏观背景下，中国银行业正从规模扩张驱动转向质量与效率驱动，科技与智能 正从辅助工具演变为重塑业务模式与核心竞争力的重要抓手。 从"数字化"到"数智化" 在2026年的重点工作部署中，数智化转型成为多家国有大行的核心发力点。其中，工商银行在"提升高 质量发展能级，展现服务现代化新担当"时提到，要"升级打造数智工行，增强数智化动能"；建设银行 方面谈到，2026年要"加快推动集团数智化转型，持续提升企业级运营能力"；交通银行方面强调"要深 入推进'人工智能+'行动，强化数智化思维、深化实践运用，通过AI技术重构业务流程、创新服务模 式"；邮储银行方面指出，要"全面推进特色 ...