伴随伦敦金现价格剑指5000美元/盎司关口，黄金市场持续升温，银行黄金类产品顺势成为"吸金王"。从黄金结构性存款的密集推出与热销，到"黄金+"理财 产品的多元布局，银行业在抢抓市场热点的同时，也在积极应对"天量"定存到期压力。分析人士表示，这场产品"热销盛宴"背后，本质是市场情绪与银行经 营策略的共振，此举既能满足投资者避险与增值的复合需求，也能帮助银行扩大资产管理规模并优化收入结构。 在金价持续升温的背景下，银行业火速发力黄金相关金融衍生产品。1月25日，北京商报记者梳理发现，近期中国银行、交通银行、民生银行、华夏银行、 招商银行等多家机构均在密集推出黄金结构性存款。综合来看，此类产品多为1万元起投，期限较短，预期年化收益率普遍介于0.5%至3.55%之间。 以华夏银行为例，其"慧盈"系列黄金结构性存款热销态势显著。1月25日下午北京商报记者查询发现，该行该系列结构性存款目前仅余2款在售，均挂钩上海 黄金交易所黄金现货价格，期限分别为21天、22天，认购起点1万元，预计年化最高收益1.90%，且均为保本浮动收益型。值得一提的是，北京商报记者注 意到，当日上午仍可认购的"慧盈2441号三层看涨AU9999"产 ...

Core Viewpoint - The AI Fund Ping An Hong Kong Stock Connect Dividend Select Mixed Fund A (021046) reported a profit of 11.96 million yuan for Q4 2025, with a net asset value growth rate of 3.5% during the period [3]. Fund Performance - As of January 22, the fund's unit net value was 1.286 yuan, with a fund size of 389 million yuan [3][17]. - The fund's performance over the past three months showed a return of -0.63%, ranking 588 out of 621 comparable funds; over the past six months, it returned -0.69%, ranking 607 out of 621; and over the past year, it achieved a return of 19.68%, ranking 525 out of 613 [4]. Investment Strategy - The fund manager indicated that in the context of declining cash yields, high-dividend assets have shown a "quasi-fixed income" characteristic, becoming a dominant investment style in Q4. In contrast, growth sectors faced increased volatility and pressure due to market sentiment and fluctuating fundamental expectations [3]. - The fund will continue to focus on stable high-dividend stocks, particularly in the financial, telecommunications, energy, and public utility sectors, which are expected to provide visibility and stable profits during the economic recovery [3]. Risk Metrics - The fund's Sharpe ratio since inception is 1.3198, indicating a favorable risk-adjusted return [9]. - The maximum drawdown since inception is 10.87%, with the largest quarterly drawdown occurring in Q2 2025 at 9.1% [12]. Portfolio Composition - The average stock position since inception is 85.49%, with a peak of 89.53% at the end of H1 2024 and a low of 71.51% at the end of Q3 2024 [15]. - The fund has a high concentration of holdings, with the top ten stocks including China National Offshore Oil, China Mobile, CITIC Bank, Bank of China, and others [20].

Group 1 - The core viewpoint of the news is the optimization of the personal consumption loan interest subsidy policy, which aims to stimulate consumer spending by extending the policy duration and expanding its coverage [1][2][4] - The new policy extends the implementation period until the end of this year and includes credit card installment payments in the subsidy scope, thereby broadening the areas eligible for interest subsidies [1][3] - Financial institutions, including major banks, are quickly responding to the policy by optimizing their services to ensure consumers can benefit from the subsidies seamlessly, enhancing the overall consumer experience [4][6] Group 2 - The collaboration between financial institutions and e-commerce platforms is highlighted, with initiatives like interest-free installment products being offered to consumers, which have led to significant increases in sales for participating brands [6] - The policy is part of a broader strategy to boost domestic demand and consumer confidence, aligning with the central economic work conference's focus on enhancing the domestic market [7] - The implementation of the policy is expected to improve consumer sentiment and market vitality, contributing to a stable economic outlook and encouraging higher quality consumption [7]

落实个人消费贷款最新财政贴息政策，已有工商银行、建设银行、中国银行、农业银行、邮储银行、交 通银行、招商银行、兴业银行等发布相关公告或进行答疑。 【问答】中国建设银行个人消费贷款财政贴息政策优化服务客户问答 中国建设银行 2026年1月22日 15:39 安徽 为深入贯彻落实中央经济工作会议精神，加力提振消费和扩大内需，根据《关于印发< 个人消费贷款财政贴息政策实施方案>的通知》(财金〔2025〕80号)、《关于优化实施 个人消费贷款财政贴息政策有关事项的通知》(财金〔2026〕1号)相关规定,我行积极 组织落实财政贴息服务。现将客户关注问题解答如下: 间题1 个人消费贷款和信用卡账单分期业务财政贴息政策执行期是什么？ 答:根据政策规定,个人消费贷款财政贴息政策执行期延长至2026年12月31日, 为2025年9月1日至2026年12月31日。信用卡账单分期财政贴息政策执行期为2026年1 月1日至2026年12月31日。客户在此期间使用我行发放的个人消费贷款和办理信用卡账 单分期业务实际用于消费,且我行可通过贷款发放账户和信用卡账单等识别相关消费交 易信息的部分,可按规定享受贴息政策,账单分期还需满足分期利 ...

Investment Rating - The industry investment rating is "Buy" [2] Core Insights - The report provides a comprehensive analysis of 127 regional banks in Jiangsu Province, highlighting their asset and liability structures, profitability, and asset quality [6][18] - Jiangsu's regional banks have shown a significant increase in asset growth, with major city commercial banks growing at 19.4%, surpassing the growth of listed city commercial banks at 14.2% [24][26] - The report indicates that the loan-to-asset ratio for city commercial banks is projected to reach 48.4% in 2024, reflecting a gradual increase in lending activities [30] - Jiangsu's regional banks exhibit better return on assets (ROA) compared to listed banks, with city commercial banks outperforming by 16 basis points and rural commercial banks by 9 basis points [6][42] - The asset quality of Jiangsu's regional banks is superior to that of listed banks, with lower non-performing loan ratios and higher provision coverage ratios [6][42] Summary by Sections 1. Economic Structure of Jiangsu Province - Jiangsu Province is focusing on new industrialization and strategic emerging industries, with significant contributions from cities like Nanjing and Suzhou [13][14] 2. Overview of 127 Regional Banks in Jiangsu - The report categorizes the banks into city commercial banks, rural commercial banks, and others, with a total of 127 banks established between 2006 and 2015 [18][20] 3. Asset/Liability Structure - The asset growth of major city commercial banks is accelerating, while rural commercial banks are experiencing a decline in growth rates [24][26] - The loan-to-asset ratio for city commercial banks is expected to increase to 48.4% by 2024, indicating a shift towards more lending [30] 4. Profitability - Jiangsu's regional banks have a higher ROA compared to listed banks, with city commercial banks showing a 16 basis point advantage [6][42] 5. Asset Quality/Capital Levels - Jiangsu's regional banks maintain a lower non-performing loan ratio compared to listed banks, with city commercial banks having a 30 basis point lower ratio [6][42]

21世纪经济报道记者 叶麦穗 2026年1月20日，财政部、中国人民银行、金融监管总局联合发布《关于优化实施个人消费贷款财政贴 息政策有关事项的通知》，明确将个人消费贷款财政贴息政策实施期限延长至2026年底，标志着个人消 费贷"国补"政策再度加码。 工商银行（601398）、农业银行（601288）、中国银行（601988）、建设银行（601939）、交通银行 （601328）、邮储银行（601658）等六大国有行均发布公告称，落实个人消费贷款财政贴息政策优化相 关服务。具体来看，主要集中在四条： 将个人消费贷款财政贴息政策实施期限延长至2026年12月31 日；扩大支持范围，将信用卡账单分期业务纳入支持范围；拓展贴息领域，取消单笔5万元及以上消费 领域限制；提高贴息标准，取消单笔消费贴息金额上限500元的要求，取消每名借款人在一家经办机构 可享受5万元以下累计消费贴息上限1000元的要求。 股份制银行和城商行亦持续参与消费贷投放。招商银行（600036）"闪电贷"年化利率约为3%，在同类 产品中处于较低水平。"我之前接到的推销短信都是最低3.1%，刚刚进入2026年就变成了3%。在一定程 度上，也显示出银 ...

证券之星消息，1月23日国有大型银行板块较上一交易日下跌0.8%，交通银行领跌。当日上证指数报收 于4136.16，上涨0.33%。深证成指报收于14439.66，上涨0.79%。国有大型银行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 666109 | 建设银行 | 8.65 | -0.46% | 84.65万 | 7.34亿 | | 601988 | 中国银行 | 5.27 | -0.57% | 247.37万 | 13.06亿 | | 601658 | 邮储银行 | 5.05 | -0.79% | 140.98万 | 7.14亿 | | 601398 | 工商银行 | 7.21 | -0.83% | 377.01万 | 27.24亿 | | 601288 | 农业银行 | 6.75 | -0.88% | 395.97万 | 26.88 Z | | 601328 | 交通银行 | 6.64 | -1.04% | 222.57万 | 14.89 Z | 以上内容为证券之 ...

南财智讯1月23日电，常铝股份公告，公司控股股东齐鲁财金投资集团有限公司所持2500.00万股股份被 司法冻结，占其所持股份比例为8.10%，占公司总股本比例为2.42%。冻结原因为齐鲁财金作为担保方 涉及与交通银行莱芜分行的金融借款合同纠纷，法院依申请采取财产保全措施。本次冻结系控股股东自 身债务纠纷所致，与公司无直接关联，未对公司日常生产经营产生直接影响；截至公告日，齐鲁财金累 计被冻结股份9911.80万股，占其所持股份32.10%，占公司总股本9.60%，暂不构成对其控股股东地位的 实质性影响。 ...

Group 1 - The core viewpoint of the news is that major Chinese banks have announced the implementation of an optimized personal consumption loan interest subsidy policy, which will automatically apply to eligible loans after January 1, 2026 [1][3] Group 2 - The implementation period for the personal consumption loan interest subsidy policy has been extended to December 31, 2026 [3] - The support scope has been expanded to include credit card bill installment services [3] - The subsidy field has been broadened by removing the restriction on single transactions of 50,000 yuan and above [3] - The subsidy standards have been improved by eliminating the cap of 500 yuan on single transaction subsidies and the cumulative subsidy limit of 1,000 yuan for each borrower at a single institution for amounts below 50,000 yuan [3]

记者从多家银行、消费金融公司等机构了解到，财政部、中国人民银行、金融监管总局三部门发布《关 于优化实施个人消费贷款财政贴息政策有关事项的通知》，将个人消费贷款财政贴息政策实施期限延长 到今年底，并将信用卡账单分期业务纳入支持范围之后，多家金融机构已陆续公告相关服务措施。 中国银行 对于消费贷款财政贴息政策实施领域的调整，中国银行表示，根据政策要求，取消5万元（含）及以上 消费领域限制。也就是说，消费额5万元（含）及以上用于消费的交易，将不再限制是否属于家用汽 车、养老生育、教育培训、文化旅游、家居家装、电子产品、健康医疗七大重点领域。 工商银行 工商银行在《个人消费贷款财政贴息服务协议》中详细列明了贴息范围： • 家用汽车领域包括汽车购置、车辆保险及维修； • 养老生育领域包括老龄人口或其子女购买的家庭适老化改造服务、养老机构和养老社区服务，托育、 辅助生育消费等； • 教育培训领域包括资格证书培训考试、高等学历继续教育等； 今年1月1日后发生的消费 无需重新签署协议 工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行等国有大行表示，根据三部门通知要 求， 个人消费贷款财政贴息政策实施期限为2025年 ...