凌晨四点的江门市最大的农产品批发市场早已人声鼎沸，车水马龙。经营海鲜批发生意二十余年的陈老 板，正忙着指挥工人们将一箱箱生猛海鲜搬运装车。"春节快到了，酒店、餐馆的订单量翻了好几倍， 我得提前备足货，但这周转资金一下子就得压进去上百万"，陈老板抹了把额头的汗说道。正当他为流 动资金发愁时，农行江门分行客户经理小刘了解到了他的困境。通过移动办公设备，小刘现场指导陈老 板通过手机银行申请"商户e贷"。"真是快啊！以前贷款少说也得等好几天，现在动动手指，钱就到账 了，利息还划算。这下我能放心大胆地备货了，确保春节市场供应不断档！"陈老板的兴奋之情溢于言 表。 在面朝南海、生机勃勃的广海湾经济区，某新能源高端装备项目建设工地上，塔吊林立，车辆穿梭，施 工热潮扑面而来。项目负责人张总在临时指挥部里，指着墙上的工程进度图说："目前项目正处在厂房 主体建设和核心设备采购安装的关键叠加期，资金需求量大且支付节点非常集中，对金融机构的审批效 率和资金调配能力是极大的考验。"早在项目规划初期，农行江门分行高层领导便带队主动介入，与政 府部门、项目方建立了常态化沟通机制。项目启动后，该行立即抽调多个部门的业务骨干，成立专属金 融服 ...

登录新浪财经APP 搜索【信披】查看更多考评等级 [重要提示] 1、宏利优势企业混合型证券投资基金（以下简称"本基金"）已于2025年12月19日获中国证监会证监许 可[2025]2863号文注册。中国证监会对本基金的注册并不代表中国证监会对本基金的投资价值和市场前 景作出实质性判断或保证，也不表明投资于本基金没有风险。 7、有效认购资金在募集期形成的利息，在基金合同生效后折成投资人认购的基金份额，归投资人所 有。利息转份额的具体数额以登记结算机构的记录为准。 8、投资者可以多次认购本基金份额，已被登记结算机构确认的认购申请不允许撤销。认购费按每次认 购金额计算。 9、本基金首次募集规模上限为15亿元人民币（不含募集期利息，本基金A类基金份额和C类基金份额的 募集规模合并计算，下同）。基金募集过程中，募集规模接近、达到或超过15亿元人民币的，基金可提 前结束募集。在募集期内任何一天（含第一天）当日募集截止时间后基金份额累计有效认购申请金额 （不包括利息，下同）合计超过15亿元人民币，基金管理人将采取末日比例确认的方式实现规模的有效 控制。当发生末日比例确认时，基金管理人将及时公告比例确认情况与结果。未确认部分 ...

除国有大行外，上海银行、南京银行、祁县农商银行、安庆农商银行等中小银行也纷纷跟进。 本报记者 彭妍 开年以来，多家银行推出资产提升活动，以丰厚权益吸引客户参与。与以往侧重吸纳存款不同，此次银 行将重心转向资产管理规模（AUM）增长，加速布局财富管理业务，引导客户开展多元化财富配置。 苏商银行特约研究员薛洪言对《证券日报》记者表示，在净息差持续收窄的背景下，银行稳定负债端、 扩大零售客户资产规模的需求迫切。在开年的重要节点，推出资产提升活动可快速沉淀资金、缓解负债 压力，还能挖掘客户财富管理需求、提升客户黏性。当前银行业务模式正发生根本性转变，零售AUM 已成衡量零售业务竞争力与盈利潜力的关键指标。 1月12日，中国农业银行广东省分行通过微信公众号发布"资产提升有礼"活动，根据客户月日均金融资 产提升档位发放奖励。活动覆盖存款、理财、基金、保险、国债等多类金融资产，最低提升门槛10万 元，达标可获52000小豆；提升600万元以上最高可领240万小豆。小豆可兑换生活电器、家居百货等实 物，或打车券、购物卡等权益。 1月5日，工商银行推出"升金有礼"活动，同步上线资产提升奖励与资产达标礼双档福利。用户可依据资 产 ...

Core Viewpoint - The new regulations for commercial bank merger loans will take effect on December 31, 2025, leading to the first batch of merger loan businesses being implemented by state-owned banks and some joint-stock banks in early 2026, expanding the scope of applicable merger loans [1] Group 1: Implementation of New Regulations - Major state-owned banks such as Industrial and Commercial Bank of China, Agricultural Bank of China, and China Construction Bank have actively responded to the new regulations, launching merger loan businesses including controlling and equity participation loans [2] - The Industrial and Commercial Bank of China issued a controlling merger loan of 299 million yuan to support a company's acquisition of core assets in an industrial park, marking the first controlling merger loan in the banking industry [2] - Agricultural Bank of China and China Construction Bank also successfully launched their first merger loans under the new regulations shortly after the implementation [2] Group 2: Participation from Other Banks - Other banks, including Shanghai Pudong Development Bank and Beijing Bank, have also engaged in expanding their merger financing services, with notable transactions supporting equity participation in technology enterprises [3] - The new regulations set asset scale thresholds for banks to engage in merger loan businesses, primarily involving state-owned banks, listed joint-stock banks, and city commercial banks [3] Group 3: Upgraded Merger Loan Services - The new regulations optimize merger loan services by broadening the applicable scope, improving loan conditions, and emphasizing the assessment of the acquirer's repayment ability [4] - The new rules allow for a higher proportion of merger loans relative to the total acquisition price and extend the maximum loan term, facilitating financing for technology enterprises and strategic emerging industries [4] - Despite the current low proportion of merger loans in total loans, the growth rate is significant, with Shanghai Pudong Development Bank reporting a 14.53% increase in merger loan balance from the end of 2024 [4] Group 4: Future Market Dynamics - The merger market is expected to see increased activity and expansion potential, with competition shifting from mere capital supply to comprehensive service capabilities [5] - Banks with strong professional and risk control capabilities are likely to stand out in the competitive landscape [5] - Some banks are proactively enhancing their merger-related financial services, with Beijing Bank aiming to establish a new high ground in merger finance [6]

Core Viewpoint - The deposit market is undergoing significant changes in 2026, with large-denomination certificates of deposit (CDs) experiencing a downward trend in interest rates, leading to some small and medium-sized banks offering 3-month products with rates falling below 1%, officially entering the "0" range [2][3]. Group 1: Changes in Deposit Products - The decline in interest rates for short-term large-denomination CDs is a notable market phenomenon, marking the first occurrence in recent years [3]. - This shift is altering depositors' perceptions of "high-interest deposits" and is driving a restructuring wave in the asset allocation of the entire wealth management market [4]. - Over 40 banks have announced the issuance of large-denomination CDs in early 2026, with significant changes in both "term" and "interest rate" compared to previous years. Most banks are focusing on products with a term of one year or less, while the issuance of three-year products has sharply decreased, and five-year products are nearly extinct [5]. Group 2: Interest Rate Trends - The interest rates for three-year products are generally below 2%, with one-year rates often falling below 1.5%, and rates for products with a term of one year or less have dropped below 1% [5]. - Major banks have collectively removed five-year large-denomination CDs from sale, with available products typically having a term of three years or less. For instance, the Industrial and Commercial Bank of China and China Construction Bank offer three-year CDs at a rate of 1.55%, while one-month and three-month CDs from several major banks have rates of 0.9% [5]. Group 3: Market Dynamics and Future Outlook - The interest rate gap between newly issued large-denomination CDs and regular fixed-term deposits is narrowing, indicating a deepening trend of declining deposit rates as 2026 begins [7]. - The decline in large-denomination CD rates is attributed to multiple factors, including the pressure on banks' net interest margins, leading them to lower long-term high-cost liabilities and adjust rates downward [8]. - Regulatory efforts to curb irrational deposit competition among banks have also played a role in suppressing high-interest deposit strategies [8]. - There is a growing trend of private negotiations for high-interest CDs on social platforms, indicating a shift in market behavior [8][9]. - Experts predict that large-denomination CD rates will continue to decline, especially for short-term products, suggesting that the likelihood of earning passive income through these instruments is significantly decreasing [10]. - Investors are advised to diversify their asset allocations, with stable investors focusing on fixed-term deposits and savings bonds, while those with higher risk tolerance may consider "fixed income plus" products and equity investments [10].

Group 1 - The core viewpoint of the news is that the state-owned large bank sector experienced a decline of 1.11% on January 15, with Agricultural Bank leading the drop [1] - The Shanghai Composite Index closed at 4112.6, down 0.33%, while the Shenzhen Component Index rose by 0.41% to 14306.73 [1] - The trading performance of individual state-owned banks showed varying results, with Agricultural Bank falling by 2.01% to a closing price of 7.33 [1] Group 2 - The net outflow of main funds from the state-owned large bank sector was 159 million yuan, while retail investors saw a net inflow of 242 million yuan [1] - The detailed fund flow data indicated that Industrial and Commercial Bank had a main fund net inflow of 346 million yuan, while Agricultural Bank had a significant main fund net outflow of 462 million yuan [2] - The retail investor net inflow for Agricultural Bank was 302 million yuan, indicating strong retail interest despite the overall sector decline [2]

Core Insights - Visa and Apple Pay have launched a collaboration to allow Chinese cardholders to link their Visa cards to Apple Pay for seamless cross-border payments, enhancing the efficiency and experience of international transactions [1][3][6] Group 1: Collaboration Details - The partnership enables Chinese cardholders to use Apple Pay for payments at overseas merchants, mobile apps, and online platforms, facilitating contactless transactions [3][4] - The initial participating banks include Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, and others, with more banks expected to join in the future [4][6] Group 2: Consumer Benefits - The integration of Visa and Apple Pay allows for a streamlined payment process, reducing the need for repeated entry of card information, thus enhancing user convenience [5][6] - Apple Pay's standardized interface is designed to lower the usage threshold for consumers, making it easier to conduct transactions abroad [5][6] Group 3: Security Features - The collaboration incorporates advanced security measures, such as the use of a unique device account number generated by Visa's tokenization technology, which helps mitigate fraud risks [6][7] - Sensitive payment information is not stored on devices or Apple servers, ensuring a higher level of security for users [6][7] Group 4: Bank Strategy - This partnership represents a strategic move for banks to deepen their cross-border financial services and enhance customer engagement by embedding their card products into global mobile payment scenarios [6] - Banks are also launching promotional activities to encourage users to link their Visa cards to Apple Pay, enhancing the overall value proposition for consumers [5][6]

2025年，ESG已深度嵌入高质量发展内核，成为衡量企业长期竞争力的关键维度。中国大批优质企业将ESG理念 融入战略核心，以绿色转型、责任担当与治理升级践行多元使命；国内金融机构则深化ESG责任投资布局，将相 关理念嵌入融资授信、资产管理等全流程，以金融活水赋能实体企业可持续发展。 秉持"公平、公正、公开"的核心原则，依托权威ESG评级数据库，新浪财经于2025年11月启动了2025中国企业 ESG"金责奖"评选，旨在嘉奖那些对中国ESG事业做出卓越贡献的企业和机构。"金责"二字，取意"责任像金子一 样宝贵与厚重"，不仅意在表达业界对负责任企业的认可，更致力于激发全行业ESG创新活力，推动构建更加完善 的ESG生态体系。 本次评选共吸引了超5000家企业参与，历经三个多月的激烈角逐，结合ESG综合绩效、专业评审打分及网络投票 结果，2025中国企业ESG"金责奖"评选获奖名单现正式出炉。 经综合评定，农业银行荣获2025中国企业ESG"金责奖"——责任投资最佳银行奖。 2025中国企业ESG"金责奖"组委会对该企业的获奖表示诚挚的祝贺，对其在ESG领域的扎实行动与亮眼绩效给予 高度认可。期待更多企业以行业标杆 ...

当竞争从"单点突破"转向"体系对抗"，规模，就成为企业构筑护城河的基石。 基于济安金信最新发布的上市公司竞争力评级数据，我们整理出"A股规模实力"维度排名前100的公司 名单。这些企业不仅体量庞大，更在市场占有率、品牌知名度、供应链掌控力、资本运作能力等方面做 到行业领先。 如果说资产质量决定企业的内在价值，那么规模实力就决定了它在市场上的"话语权"。 在资本市场，规模可以靠并购快速做大，营收可以靠扩张短期拉高，但真正的规模实力，是经年累月积 累的市场份额、品牌影响力、产业链控制力与资本号召力的总和。 一场行业整合，最先胜出的是拥有庞大客户基础和渠道网络的巨头；一次技术革命，最能推动变革的是 具备雄厚研发资金和人才储备的庞然大物。 本期榜单，带你看清谁是真正的"行业巨擘"。 济安金信的"规模实力"评估，并非仅看总市值或营业收入，而是重点考察： - 总资产规模：衡量企业"盘子"有多大 - 营业收入规模：反映市场覆盖能力与销售能力 - 员工人数与分支机构数量：体现组织辐射力 - 行业龙头地位：是否为细分领域第一或前三 - 资本市场影响力：是否为指数成分股、机构持仓核心 更重要的是，所有评分均在同行业内横向比较，避 ...

"从便利性入手，于细微处用心。"秉持这一服务理念，该行以老年客户需求为导向，全方位升级适老化 服务。在服务网点，专门增设适老服务专口，优化移动填单台布局，配齐安全扶手、爱心座椅、轮椅等 便民设施，安排专人加强厅堂引导，让老年客户办事更省心。线上线下（300959）同步发力，线下积极 推广超柜电子指纹签名功能及大字版业务操作界面，线上重点推广大字版掌银服务，以智能化手段降低 老年客户使用门槛，让科技服务更具温度。 (孙洋) 既要优化"硬设施"，更要升级"软服务"。为让客户感受到温情与愉悦，该行在厅堂推行"四个一"服务标 准：多一个真诚微笑、多一句暖心问候、多一杯贴心茶水、多一些细致指引，用细节拉近与客户的距 离。针对重病、行动不便等特殊客群，该行积极倡导"走出去"服务模式，组织柜员上门办理业务，每年 累计提供上门服务50余次，用脚步丈量服务深度，把便利送到客户心坎上。 "太感谢你们了，真是解了我的燃眉之急！"82岁老人住院期间社保卡不慎丢失，急需补办；客户取款时 发现信息不完善，其行动不便的配偶正等着用钱治病；村里老人对着社保卡激活流程一筹莫展……连日 来，农业银行（601288）射阳县支行营业部的柜员们主动上 ...