针对当前并购市场支持政策频出、交易活跃、客户需求个性化强等特点，农行北京分行第一时间组织全 辖开展系统性专题培训。 聚焦金融赋能，促进产业整合 农行北京分行主动对接首都科技创新和产业升级战略，以科技企业并购贷款试点政策为抓手，以并购综 合金融服务为支撑，支持科技企业做大做强、推动产业链整合。 据了解，该行截至目前已审批并发放多笔覆盖集成电路、新能源、医药健康等战略性新兴产业并购贷 款，金额超过55亿元，广泛支持半导体设备企业加速核心技术布局、半导体显示企业获取关键产线资 源、新能源企业扩充风电装机规模、医药流通企业提升研发能力等，助力首都企业延链、补链、强链， 完成技术和资源整合，体现了农业银行对"硬科技"、"新能源"、"利民生"领域的精准滴灌，更彰显了金 融服务新质生产力发展的责任担当。 强化政策传导，夯实专业能力 为积极响应国家及北京市关于推动通过并购重组激发各类经营主体活力和创造力、发展新质生产力的系 列政策部署，中国农业银行北京市分行（以下简称"农行北京分行"）迅速行动、系统推进，在政策宣 导、机制建设与业务落地等方面多点发力，推动《商业银行并购贷款办法》（以下简称"并购新规"）高 效落地，切实将《中 ...

Investment Rating - The report maintains a "Recommended" rating for the banking sector, highlighting its dividend value and low valuation as attractive for long-term investors [5][10]. Core Insights - A package of fiscal and financial policies has been introduced to support the banking sector, particularly in optimizing loan structures and stabilizing interest margins [7][8]. - The banking sector has experienced a decline of 7.44% year-to-date, underperforming the broader market, primarily due to passive fund outflows [9][10]. - The report emphasizes the potential for credit growth and structural optimization in the banking sector, driven by government policies aimed at supporting small and medium enterprises [8][9]. Summary by Sections Latest Research Insights - The report discusses the implementation of six fiscal and financial policies aimed at enhancing credit support for small and medium enterprises, including a 1.5% interest subsidy on loans [7][8]. - These policies are expected to lower overall financing costs and stimulate demand, thereby benefiting the banking sector [8]. Weekly Market Performance - The banking sector index fell by 2.70% during the week, while the broader Shanghai and Shenzhen 300 index decreased by 0.62% [18]. - State-owned banks, joint-stock banks, city commercial banks, and rural commercial banks saw declines of 4.36%, 3.08%, 0.43%, and 0.70%, respectively [18]. Valuation and Company Performance - As of January 23, 2026, the banking sector's price-to-book ratio stands at 0.64, indicating a 32.99% discount compared to the overall A-share market [35]. - The sector's dividend yield is reported at 4.92%, which is higher than the average for all A-shares, ranking second among industries [35]. - Eight listed banks have reported stable earnings recovery for 2025, with most showing growth in total assets compared to 2024 [15][16].

公告明确，自2026年1月30日起，个人客户办理存金通黄金积存业务（包括存金通1号、2号）签约、买 入、定投3类业务时，需在业务申请办理渠道，按该行统一的风险测评问卷进行风险承受能力评估、取 得谨慎型及以上的评估结果，已有前述评估结果且在有效期内的无需重测。对于已签约客户的卖出、提 货，有效期内定投计划的执行和终止，以及解约等操作，不受上述条件的限制。农业银行表示，建议客 户提高风险防范意识，基于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。 北京商报讯（记者 孟凡霞 周义力）1月26日，农业银行发布公告，为落实监管要求，进一步保护金融消 费者权益，该行将对个人客户参与存金通黄金积存交易增加风险承受能力测评准入。 ...

南方财经1月26日电，中国农业银行发布公告，自2026年1月30日起，个人客户办理存金通黄金积存业务 (包括存金通1号、2号)签约、买入、定投3类业务时，需在业务申请办理渠道，按我行统一的风险测评 问卷进行风险承受能力评估、取得谨慎型及以上的评估结果，已有前述评估结果且在有效期内的无需重 测。已签约客户的卖出、提货，有效期内定投计划的执行和终止，以及解约等操作，不受上述条件的限 制。 ...

Core Viewpoint - Silver prices have surged significantly, with a year-to-date increase of over 30%, reaching a historical high of $99.36 per ounce on January 23 [8][11]. Group 1: Silver Price Trends - The price of silver has increased by more than 30% since the beginning of the year, with a notable rise in demand for physical silver products from banks [1][7]. - The London silver inventory has dropped to a 10-year low, indicating a tightening supply situation [6][8]. - The World Silver Association projects global silver supply to be 32,100 tons and demand to be 35,700 tons by 2025, with industrial silver accounting for 60% of total demand [1][6]. Group 2: Bank Product Availability - Many banks, including Industrial and Agricultural Banks, have reported shortages of silver products such as commemorative coins and jewelry due to high demand [2][5]. - Specific products like the "Chinese Dragon Silver Commemorative Coin" have sold out, with sales reaching 27,000 units [2][5]. - Other banks, such as Bank of China and CITIC Bank, still have sufficient inventory of silver products [6]. Group 3: Market Outlook - Financial institutions maintain a positive outlook on the silver market, with expectations of continued upward pressure on prices due to industrial demand and investment interest [18]. - Predictions suggest that silver prices may test the $100 per ounce mark in the short term, with a potential long-term price increase driven by industrial demand [18][19]. - Analysts from Huatai Futures indicate that the silver-gold ratio is likely to fluctuate within a range of 40-80, suggesting a volatile market ahead [18]. Group 4: Risk Management and Regulatory Changes - Banks have begun to tighten their risk management protocols for precious metals investments, raising entry thresholds and issuing market risk warnings [19][20]. - Recent adjustments include increasing margin requirements for silver trading and raising the risk rating for personal accumulation gold products [19][20]. Group 5: Consumer Behavior - Consumers are increasingly purchasing silver products not only for investment but also for their aesthetic appeal, as evidenced by social media shares of silver collectibles [6]. - The rising silver prices have prompted consumers to act quickly in acquiring silver products, reflecting a growing interest in precious metals as a hedge against inflation [1][7].

近年来，随着家庭园艺市场持续升温，尤其以大花蕙兰和小型蕙兰为代表的年宵花备受青睐。"兰花造 型美、花期长、养护简便，已成为市场宠儿。所以在销售旺季来临前，我们想扩大种植规模，改造升级 下智能温室的花期调控系统，为2026年开个好头。"李晓敏坦言，但岁末年初的资金周转压力，一度成 为扩大规模的"拦路虎"。 农业银行常州武进支行在走访中了解到企业的实际困难，客户经理深入温室实地调研，详细了解不同花 卉品种的特性和销售情况。结合农业科技企业的经营特点与年宵花生产的季节性需求，农行常州分行为 其精准匹配"关键人"贷款产品，通过简化流程、压缩时限，仅用3个工作日就完成从资料收集到贷款发 放的全流程，成功为企业投放300万元经营性贷款。 （来源：新华日报） □ 常农煊 当金融年味与花香交融，农业银行常州分行以精准服务为笔，描绘着现代农业的新画卷。新年临近，花 市率先热闹起来。走进常州市武进区祝庄园艺的智能温室，冬日的阳光透过阳光板，洒满整齐排列的花 丛。色彩鲜亮、寓意吉祥的各类年宵花正竞相绽放——殷红似火的红掌、清雅脱俗的大花蕙兰、姿态缤 纷的蝴蝶兰……一派姹紫嫣红，洋溢着浓浓的喜庆氛围。 "现在的花苗生活条件也好了，都 ...

汇添富中证A500指数量化增强型证券投资基金（以下简称"本基金"）的募集已获中国证监会证监许可 [2025]2044号文注册。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、市场前景和 收益作出实质性判断或保证。 本基金的基金类型为股票型证券投资基金，运作方式为契约型开放式。 1、本基金的基金管理人为汇添富基金管理股份有限公司（以下简称"本公司"），基金托管人为中国农 业银行股份有限公司，登记机构为汇添富基金管理股份有限公司。 2、本基金募集期限自2026年2月2日起至2026年2月27日。 登录新浪财经APP 搜索【信披】查看更多考评等级 重要提示 本基金认购将通过本公司的直销中心、线上直销系统以及其他销售机构的销售网点公开发售。其中，本 基金A类基金份额通过本公司直销机构（含直销中心和线上直销系统）和其他销售机构公开发售。本基 金C类基金份额在认购阶段暂不开通直销机构（含直销中心、线上直销系统）发售渠道，投资者在认购 阶段如需选择C类基金份额的，可通过其他销售机构进行认购。本基金C类基金份额后续在直销机构上 线的具体情况将另行公告。 3、本基金的发售对象为符合法律法规规定的可投资于证券投资基金 ...

Group 1: Gold Market Dynamics - International gold prices are experiencing fluctuations, leading to adjustments in domestic high-end jewelry brand prices, with Chow Tai Fook quoting 1455 CNY/gram, Lao Feng Xiang at 1456 CNY/gram, and others around 1453 CNY/gram for gold [1] - Platinum prices remain high at around 940 CNY/gram, while discounts on gold jewelry are increasing, reflecting a cautious consumer sentiment and a relatively quiet market [1] Group 2: RMB Gold Prices - The Shanghai Gold Exchange reports the RMB-denominated gold spot price at 1047.60 CNY/gram, a slight increase of 2.33 CNY or 0.223% from the previous day, with a trading range between 1042.74 CNY and 1048.50 CNY [6] - Retail prices for gold jewelry or bars are higher than the exchange prices due to additional costs such as design and processing, influenced by international market fluctuations, exchange rates, and domestic supply and demand [6] Group 3: Financial Institutions Gold Bar Prices - Various financial institutions have set their gold bar prices, with China Construction Bank at 1050.74 CNY/gram, Industrial and Commercial Bank at 1050.58 CNY/gram, and others ranging from 1049.2 CNY to 1096.5 CNY per gram [7][8][9][10][11][12][13] Group 4: Wholesale and Retail Price Differences - The wholesale price for gold in Shui Bei is approximately 1203 CNY/gram, with significant price differences compared to retail prices, which can be attributed to store rent, operational costs, and brand premiums [14] - The pricing structure for jewelry includes "gold value + processing fee + brand premium," indicating a need for consumers to be aware of the price alignment with base gold prices when investing [14] Group 5: Domestic Gold Price Trends and Market Analysis - Current gold prices are reported at 1047.00 CNY/gram, with a slight increase of 0.11%, while platinum prices are at 606.79 CNY/gram, reflecting a 0.72% increase [15] - Despite rising gold prices, consumer purchasing enthusiasm is declining, with a reported 7.95% year-on-year decrease in gold consumption and a 32.50% drop in gold jewelry consumption in the first three quarters of 2025 [15] Group 6: Retail Strategies and Market Outlook - Brands are adopting strategies like trade-in programs to lower consumer purchase barriers, while research indicates that retailers need to enhance profit margins per gram of gold jewelry and optimize product offerings [16] - The technical structure of gold prices remains in an upward channel, but with weakening momentum, influenced by a strong dollar and rising real interest rates, which increase the opportunity cost of holding gold [17]

内容转载自：天津交通广播 最近打开财经新闻，满屏都是"金价创新高"的消息。昨天（1月24日） ，纽约期金突破5000美元大关。 成为网友们新的担忧 国内金饰价格也是跟着 "水涨船高" 1月24日，周生生足金饰品标价1551元/克，较前一日1545元/克上涨6元/克。老庙黄金足金饰品报1560元/克。 面对不断冲高的金价，网友们早就按捺不住了，纷纷出手下单。 | 每日金价 老庙黄金 | | --- | | 市老庙 | | 今日金价 | | 名称 价格(人民币/克) | | 足金饰品 1560.00 | | 铂金饰品 860.00 | | 工艺金条 1385.00 | | 2026年01月24日 | | 以上为上海区域金价,全国其它地区请以门店每日公示金价为准。感 | | 谢您的支持,祝您生活愉快,好运莲莲! | 买回家的黄金放哪里？ 以前觉得放家里抽屉就行，现在金价这么高，总担心不安全！杭州的刘女士，想着赶紧租个银行保管箱，存放家中的黄金，结果咨询一圈傻了眼："原来 保管箱也要抢，好多银行都没货了！"部分银行甚至需要排队等候。 银行保管箱业务，通常指银行提供场所及保管箱设备，以出租方式，为客户提供用于保管贵金属 ...

Core Insights - The CCG50 Forum released the 2025 annual rankings of Chinese listed companies' governance and ESG performance, evaluating 5,292 companies based on various governance indices and ESG criteria [1][3][13]. Governance Rankings - The governance rankings include 11 core lists, with the top 100 companies ranked based on a comprehensive index. Notable companies include: - Health元, 唐山港, and 西部证券 leading the overall governance list [2][8]. - 中煤能源 topped the small investor protection list, evaluated on 36 indicators across four dimensions [2][15]. - 唐山港 ranked first in the board governance category, assessed on 38 indicators [2][21]. - 埃斯顿 led the financial governance list, evaluated on 31 indicators [2][39]. ESG Rankings - The ESG rankings are divided into non-financial and financial sectors: - In the non-financial sector, 中国石油, 中国石化, and 中国中铁 ranked highest, evaluated on 132 indicators with weights of 55% for governance, 35% for social responsibility, and 10% for environmental protection [3]. - The financial sector's top ten ESG companies include 工商银行 and 农业银行, evaluated based on industry-specific criteria [3]. Risk Awareness - The forum also published a list of 50 companies with governance risks, including *ST 广道 and ST 中迪, providing a reference for investors [3][19]. Methodology - The rankings were developed using scientific modeling and quantitative calculations rather than traditional voting methods, referencing international standards to showcase the differences in governance levels and ESG performance among Chinese listed companies [3][13][19].