Core Viewpoint - The annual zodiac commemorative coins and banknotes for the Year of the Horse in 2026 will be available for online reservation starting at 22:00, with a limit of 20 coins and 20 banknotes per person [1][3][12]. Group 1: Product Details - The commemorative coin has a face value of 10 yuan, made of bimetallic copper alloy, with a total issuance of 100 million pieces [5][6]. - The commemorative banknote has a face value of 20 yuan, made of plastic, with a total issuance of 100 million pieces [5][6]. - The design of the coin features the "People's Bank of China" and the year "2026," while the banknote showcases a horse design along with the national emblem [3][5]. Group 2: Reservation Process - Reservations can be made through the official websites of the participating banks or at designated branches during business hours [9][10]. - Users can access the reservation page via mobile banking apps, with some banks offering streamlined processes for registered users [10]. - Each bank has different allocation limits for the coins and banknotes, with specific numbers for cities like Beijing and Tianjin [6][10]. Group 3: Market Performance - Recent years have seen a surge in public interest in zodiac commemorative coins and banknotes, with previous releases selling out within minutes [1][13]. - The secondary market for these items remains robust, with the Dragon Year commemorative items maintaining high premium prices [11][13].

Core Viewpoint - The article highlights the proactive role of Bank of Communications (BoCom) Shanghai Branch in addressing the challenges of an aging population through innovative financial services and community engagement, positioning itself as a leader in the pension finance sector in Shanghai [2][3][5]. Group 1: Strategic Initiatives - BoCom Shanghai Branch prioritizes pension finance in its strategic planning, leveraging its comprehensive operational advantages to create a full-chain support mechanism for urban development [2]. - The bank actively collaborates with local governments to develop pension service ecosystems, including the establishment of demonstration areas and community support initiatives [3][5]. Group 2: Service Innovations - The bank has launched various financial products tailored for the elderly, including the "Pension e-loan" and "Elderly Care Credit Card," aimed at enhancing accessibility and convenience for senior citizens [5][7]. - BoCom has developed a comprehensive wealth management platform with 382 tailored financial products for seniors, including savings and insurance options, to meet diverse needs [6]. Group 3: Community Engagement - The bank's "90 Silver Age Volunteer Team" conducts outreach programs to educate seniors on digital services, addressing the digital divide and enhancing their engagement with financial services [9]. - BoCom has initiated various community activities, such as the "Silver Consumption Service Month," to stimulate consumption among the elderly and promote financial literacy [8][9]. Group 4: Regulatory and Industry Standards - As a leading entity in the Shanghai Pension Service and Aging Industry Association, BoCom is spearheading the development of industry standards for pension financial planners, contributing to the professionalization of the sector [4][5]. - The bank has been recognized for its quality service in pension fund distribution, receiving accolades for its commitment to enhancing the efficiency of pension services [3][6].

Core Viewpoint - Gold prices have continued to rise since the beginning of 2026, reaching a historical high of $4601.38 per ounce on January 12, prompting banks to adjust their gold accumulation business and issue risk warnings to investors [1] Group 1: Bank Adjustments - Industrial and Commercial Bank of China (ICBC) announced an increase in the minimum investment amount for its gold accumulation business from 1000 yuan to 1100 yuan, effective January 8, 2026 [1] - ICBC has adjusted its gold accumulation business minimum investment amount five times since 2025, with a total increase of 450 yuan, or nearly 70%, from the initial amount of 650 yuan [1] - Other banks, including Bank of Communications, Industrial Bank, and China CITIC Bank, have also raised their gold accumulation thresholds, with minimum investment amounts now generally exceeding 1000 yuan [2] Group 2: Market Trends - The gold investment and consumption market in China is experiencing increased activity, as evidenced by sales data from key trading markets like Shenzhen's Shui Bei, where gold prices reached a record high of 1178 yuan per gram on January 12 [2] - Some banks have implemented a "floating mechanism" for gold accumulation thresholds, adjusting the minimum investment based on real-time gold prices [2] Group 3: Investment Risks - The rise in market enthusiasm has led to an increase in illegal gold trading schemes, significantly raising investment risks [3] - The Shenzhen Gold and Jewelry Association has warned about companies engaging in illegal "non-physical gold betting" activities, which have been linked to criminal charges [3] - China Bank's Shenzhen branch has issued warnings about fraudulent platforms that lure investors with promises of low thresholds and high returns, emphasizing the importance of using licensed financial institutions for gold investments [3] Group 4: Investment Advice - Experts recommend that investors should base their investment decisions on personal experience, capability, and risk tolerance, avoiding impulsive trading behaviors [4] - Investors are advised to choose investment methods and products they understand, rather than following market trends blindly [4]

Group 1 - The core viewpoint of the news is that the state-owned large bank sector experienced a rise of 0.87% on January 13, with Agricultural Bank leading the gains, while the overall stock indices showed declines [1] - The Shanghai Composite Index closed at 4138.76, down 0.64%, and the Shenzhen Component Index closed at 14169.4, down 1.37% [1] - The trading performance of individual state-owned banks showed varied results, with Agricultural Bank rising by 1.20% to a closing price of 7.61, while China Communications Bank saw a slight decline of 0.14% to 7.09 [1] Group 2 - The net inflow of main funds into the state-owned large bank sector was 386 million yuan, while retail investors saw a net outflow of 12.61 million yuan [1] - The detailed fund flow for individual banks indicated that Agricultural Bank had a main fund net inflow of 158 million yuan, while Industrial and Commercial Bank also saw a significant inflow of 138 million yuan [2] - In contrast, China Bank experienced a net outflow of 30.41 million yuan from main funds, indicating a negative sentiment among investors [2]

Core Viewpoint - The Shanghai branch of the Bank of Communications (BoCom) is actively engaging in the aging population's financial services, implementing innovative strategies and collaborative models to enhance elderly care and promote silver economy consumption [4][5][6][7]. Group 1: Strategic Initiatives - BoCom Shanghai branch has been recognized for its efforts in the 2025 annual pension financial service competition, showcasing its commitment to developing a pension financial strategy tailored to Shanghai's unique characteristics [4]. - The bank has established a comprehensive support mechanism that integrates government, finance, and elderly care, facilitating regional development through partnerships with local governments and community initiatives [5]. Group 2: Product and Service Innovation - The bank has launched various financial products aimed at the elderly, including "Elderly Service Batch Loans" and "Elderly E-Loans," and has developed a comprehensive account system for elderly wealth management [6]. - BoCom has introduced over 382 elderly-friendly wealth management products and more than 170 insurance products specifically designed for individuals aged 70 and above, enhancing accessibility to financial services for seniors [6]. Group 3: Community Engagement and Support - The bank has created a volunteer team called "90 Silver Age" to promote digital literacy among the elderly, participating in initiatives like the "Digital Partner Program" in Shanghai [7]. - BoCom has been involved in various community projects, such as the "Elderly Welfare Vehicle" service and the establishment of social teaching points in collaboration with senior universities, extending its service reach to better support the elderly [6][7].

证券时报·数据宝统计，截至今日下午14:00，上证综指4163.89点，收于五日均线之上，涨跌幅-0.03%， A股总成交额为30286.61亿元。到目前为止，今日有229只A股价格突破了五日均线，其中乖离率较大的 个股有帝科股份、美湖股份、大鹏工业等，乖离率分别为12.66%、8.04%、7.95%；银都股份、中远海 控、交通银行等个股乖离率较小，刚刚站上五日均线。 1月13日突破五日均线个股乖离率排名 | 002597 | 金禾实 | 5.54 | 3.79 | 21.22 | 22.1 | 1 | 4.21 | | --- | --- | --- | --- | --- | --- | --- | --- | | | 业 | | | | | | | | 001360 | 南矿集 团 | 5.89 | 13.55 | 22.64 | 23.56 | | 4.07 | | 003039 | 顺控发 展 | 4.79 | 3.77 | 16.62 | 17.27 | | 3.90 | （文章来源：证券时报网） | 证券代 | 证券简 | 今日涨跌幅 | 今日换手率 | 五日均线 | 最新价 | 乖离率 | | ...

Core Viewpoint - The article emphasizes the commitment of the Bank of Communications Shandong Branch to support county-level economic development through innovative financial services and strong party leadership, aligning with national policies for urbanization and rural revitalization [1]. Group 1: Party Leadership and Financial Services - The bank prioritizes party leadership as a core driving force for its operations, establishing mechanisms for direct engagement with county-level institutions to address development challenges [1]. - Strategic cooperation agreements have been signed with multiple county governments to enhance collaboration between the bank and local authorities [1]. - The bank has allocated targeted assistance funds for rural infrastructure projects, such as the construction of a senior activity center in Kangjia Village, addressing the demand for elderly care services in rural areas [2]. Group 2: Industry Empowerment and Customized Financial Products - The bank has launched customized credit products like "Sea Cucumber Loan," "Fruit and Vegetable Loan," and "Mushroom Loan" to support local industries such as vegetable farming and apple production [2]. - Collaboration with the Shandong Agricultural Development Credit Guarantee Company has been deepened to support new agricultural business entities, addressing the guarantee challenges faced by agricultural stakeholders [2]. - In 2025, the bank provided credit to over 100 agricultural leading enterprises, with a total credit limit of 4.7 billion [2]. Group 3: Policy Support and Long-term Service Framework - The bank has implemented a series of policy documents, including the "Financial Service Action Plan for County Development," to create a comprehensive support system covering resource allocation, product innovation, and risk management [3]. - Human resources have been directed towards county-level institutions, with a significant increase in recruitment quotas for these areas in 2025 [3]. - The bank has successfully launched various convenient systems in multiple counties to enhance service efficiency, including pre-sale fund supervision and real estate registration [3].

1月13日晚10点和10点半，马年贺岁纪念币、纪念钞开始预约啦！ 1月12日，工商银行（601398）、农业银行（601288）、交通银行（601328）等多家银行发布关于2026年贺岁普通纪念币和2026年贺岁纪念钞预约兑换的 公告。公告显示，2026年贺岁纪念币发行量1亿枚，面额为10元；2026年贺岁纪念钞发行量1亿张，面额为20元。2026年贺岁纪念币每人预约、兑换限额为 20枚。2026年贺岁纪念钞每人预约、兑换限额为20张。 "每年我都会抢贺岁纪念币、纪念钞，已经成习惯了。也有抢不到的时候，有的纪念币、纪念钞上线'秒没'。我的经验是不要卡点进抢购页面，要提前几 分钟进去，然后不停刷新。今年是马年，寓意好，抢的人估计很多，得定好闹钟，希望能抢到。"北京居民小李告诉记者。 想了解马年贺岁纪念币、纪念钞何时开始预约兑换，哪些渠道可买到，又有哪些注意事项，请跟记者一起来看！ 2026年贺岁纪念币正反面 图源："交通银行"微信公众号 2026年贺岁纪念钞正反面 图源："交通银行"微信公众号 马年贺岁纪念币、纪念钞 发售时间安排 01 ｜预约期 多家银行公告称，本次预约采取线上方式，预约期内先到先得，约满为止 ...

Group 1 - The core viewpoint of the news is that the Bank of Communications has been approved to acquire a rural bank and convert it into a branch, marking the first case of a state-owned bank's "village to branch" transformation in the new year and the tenth case since last year [1][2] - The approval from the Zhejiang Regulatory Bureau allows the Bank of Communications to acquire the Anji Jiaoyin Rural Bank and establish multiple branches, taking over its assets, liabilities, and employees [2][3] - The Bank of Communications currently controls four rural banks, with recent acquisitions including the Dayi Jiaoyin Xingmin Rural Bank and the Qingdao Laoshan Jiaoyin Rural Bank, indicating a trend of consolidation among state-owned banks [3] Group 2 - The reform of small and medium-sized financial institutions is accelerating, with over 450 small banks expected to exit the market by 2025, including more than 280 rural banks, particularly in regions like Inner Mongolia, Shandong, and Hubei [1][4][5] - In the first half of 2025, there has been a significant increase in the number of rural banks approved for mergers, dissolutions, or cancellations, with 65 cases reported in just half a month, nearing ten times the number from the same period in 2024 [4][5] - The restructuring of rural banks is part of a broader strategy to optimize the financial institution system, focusing on quality improvement rather than just reduction, as emphasized by industry experts [5]

2026.01. 12 本文字数：2022，阅读时长大约4分钟 作者 | 第一财经 亓宁 日前，交通银行获批收购旗下一家村镇银行并改建，成为新年国有大行"村改支"第一例，也是去年 以来国有大行推进旗下村镇银行"村改支"的第十例。2025年以来，除交通银行外，工商银行、农业 银行也已开始对旗下村镇银行推进"村改支"。 多位业内受访人士认为，随着中央经济工作会议定调中小金融机构"减量提质"，年内中小银行改革 化险还会加速推进，重组合并仍是主流模式。数据显示，2025年有450多家中小银行退场，其中 280多家是村镇银行，内蒙古、山东、湖北等地减量最多。 按照2025年上半年持股情况来看，安吉交银村镇银行只是交通银行控股的4家村镇银行之一。此前 2025年8月，交通银行获批受让8家企业法人持有的大邑交银兴民村镇银行2.71%股权，由此实现了 对大邑交银兴民村镇银行的100%控股；2025年9月，交通银行获批收购青岛崂山交银村镇银行，并 设立交通银行青岛国金中心支行、王哥庄支行、北宅支行、沙子口支行、金家岭支行。 相比之下，工商银行是更早推进旗下村镇银行"村改支"的国有大行。2025年6月，金融监管总局江 津监管分局 ...