来源：财经网科技 【#节前黄金该留还是卖#？#多家银行回应春节黄金休市#】近期，"要不要持金过节"成为投资者讨论的 焦点。投资者应如何配置？2月10日，家住北京的投资者马女士告诉@中新经纬，她自2025年2月首次购 买积存金以来，至今已经陆续补仓17次。马女士称，她不着急用钱，金价大幅波动对她没有太大影响， 所以她选择持金过年。截至发稿，马女士称她的持金成本为806.74元/克，浮盈约12256元。2月11日，工 商银行、建设银行、农业银行官方客服均回应@中新经纬 表示，春节上金所休市期间无法购买、赎回 积存金，若客户希望购买实物金条，需提前联系网点咨询库存。（中新经纬） 来源：财经网科技 【#节前黄金该留还是卖#？#多家银行回应春节黄金休市#】近期，"要不要持金过节"成为投资者讨论的 焦点。投资者应如何配置？2月10日，家住北京的投资者马女士告诉@中新经纬，她自2025年2月首次购 买积存金以来，至今已经陆续补仓17次。马女士称，她不着急用钱，金价大幅波动对她没有太大影响， 所以她选择持金过年。截至发稿，马女士称她的持金成本为806.74元/克，浮盈约12256元。2月11日，工 商银行、建设银行、农业银行 ...

春节假期，上海黄金交易所（下称上金所）将于2月14日至2月23日休市，而国际贵金属市场照常交易。 近期，"要不要持金过节"成为投资者讨论的焦点。投资者应如何配置？ "不着急用钱，持金过年" 2月10日，家住北京的投资者马女士告诉中新经纬，她自2025年2月首次购买积存金以来，截至目前共持 有39.03克。"我最开始买黄金的价格大约是676元/克，至今已经陆续补仓17次，最近一次补仓是在金价 1081元/克时，买了2克。"她表示。 谈及是否持金过年，马女士称，她购买银行积存金时价格较低，而且不着急用钱，金价大幅波动对她没 有太大影响，所以她选择持金过年。"之前本来想做黄金短线，但体验感一直不太好，改做长线后，每 逢黄金大幅回撤，我会补几克黄金。"截至发稿，马女士称她的持金成本为806.74元/克，浮盈约12256 元。 中新经纬 在北京工作的闫女士告诉中新经纬，她曾以1020元/克，购入50克实物金条，后又以1058元/克购入50克 银行积存金。 闫女士表示："实物金条我打算长期持有，积存金如果节前还能冲到1200元或者1300元一克，我可能就 会出掉。如果价格比1058元/克低，我就再买50克。" 今年1月2 ...

Group 1 - The core viewpoint of the article highlights the performance of the 180 Governance ETF (510010), which saw a slight increase of 0.27% to 1.845 yuan as of midday closing on February 12 [1] - The ETF's major holdings include Guizhou Moutai, which fell by 1.42%, China Ping An down by 1.04%, and China Merchants Bank down by 1.60%, while Zijin Mining rose by 1.70% [1] - The ETF is managed by China International Fund Management Co., with a performance benchmark of the Shanghai Stock Exchange 180 Corporate Governance Index, achieving a return of 105.50% since its inception on September 25, 2009, and a return of 0.54% over the past month [1]

Core Insights - The article highlights the exceptional service provided by the Industrial and Commercial Bank of China (ICBC) at its Nantong Haimen Changjiang Road branch, which led to a significant customer relationship enhancement and a subsequent deposit of 1 million yuan [1][2]. Group 1: Customer Service Excellence - A customer, Ms. Wang, approached the bank to exchange a collection of commemorative coins but was unfamiliar with the process and standards [1]. - The branch staff quickly initiated a "special currency exchange green channel," where they meticulously verified each coin's details, ensuring they met the exchange standards despite minor imperfections [1]. - The entire exchange process was completed efficiently in just 20 minutes, alleviating the customer's initial anxiety and earning her praise for the service [1]. Group 2: Business Development Impact - Following the positive experience, Ms. Wang returned to the branch to deposit 1 million yuan, expressing her trust in the bank due to the attentive service she received [1]. - The article emphasizes that the careful handling of even small transactions can lead to significant customer trust and loyalty, creating a virtuous cycle of quality service driving business growth [2].

Core Viewpoint - The A-share market for banks experienced a collective decline, with several banks showing significant drops in their stock prices on February 12 [1] Group 1: Stock Performance - Chongqing Bank saw a decline of 2.27%, with a total market value of 36 billion [2] - Agricultural Bank dropped by 1.62%, with a market capitalization of 2,337.9 billion [2] - CITIC Bank decreased by 1.57%, with a market value of 417.9 billion [2] - Xiamen Bank fell by 1.57%, with a market capitalization of 19.9 billion [2] - Qingnong Commercial Bank declined by 1.55%, with a market value of 17.6 billion [2] - Qingdao Bank decreased by 1.41%, with a market capitalization of 32.6 billion [2] - Qilu Bank fell by 1.18%, with a market value of 36.2 billion [2] - Xi'an Bank dropped by 1.30%, with a market capitalization of 16.9 billion [2] - China Construction Bank decreased by 1.23%, with a market value of 23,152 billion [2] - Everbright Bank fell by 1.19%, with a market capitalization of 195.6 billion [2] - Pudong Development Bank decreased by 1.18%, with a market value of 334.7 billion [2] - Industrial and Commercial Bank dropped by 1.10%, with a market capitalization of 25,697 billion [2] - Jiangyin Bank fell by 1.06%, with a market value of 11.5 billion [2] - Zijin Bank decreased by 1.05%, with a market capitalization of 10.3 billion [2] - Zhangjiagang Bank fell by 1.05%, with a market value of 11.5 billion [2] - China Merchants Bank decreased by 1.04%, with a market capitalization of 983.3 billion [2] Group 2: Year-to-Date Performance - Chongqing Bank has a year-to-date decline of 2.91% [2] - Agricultural Bank has seen a year-to-date drop of 13.02% [2] - CITIC Bank's year-to-date decline is 2.47% [2] - Xiamen Bank has a year-to-date increase of 2.59% [2] - Qingnong Commercial Bank's year-to-date increase is 2.26% [2] - Qingdao Bank has a significant year-to-date increase of 25.00% [2] - Qilu Bank has a year-to-date increase of 4.53% [2] - Xi'an Bank's year-to-date increase is 2.70% [2] - China Construction Bank has a year-to-date decline of 4.63% [2] - Everbright Bank's year-to-date decline is 2.26% [2] - Pudong Development Bank has a significant year-to-date decline of 19.21% [2] - Industrial and Commercial Bank has a year-to-date decline of 9.08% [2] - Jiangyin Bank has a year-to-date increase of 2.19% [2] - Zijin Bank's year-to-date increase is 4.03% [2] - Zhangjiagang Bank has a year-to-date increase of 3.06% [2] - China Merchants Bank has a year-to-date decline of 4.99% [2]

机票酒店预订量攀升，年夜饭包厢一桌难求，春节档预售鸣锣开跑……马年新春将至，九天"超长黄金 周"正点燃着积攒已久的消费热情。 旺盛的节日需求背后，良好的消费金融环境正成为繁荣市场、激发活力的重要支撑。2月11日，国新办 举行新闻发布会，介绍2026年"乐购新春"春节特别活动、保障春节市场供应有关情况。 据悉，人民银行、金融监管总局已指导金融机构、支付机构联合商家推出多种形式的"乐购新春"优惠措 施，覆盖机票酒店、美食餐饮、景点门票等多领域消费场景。 国有大行迅速集结。21世纪经济报道记者梳理多家银行春节促消费活动方案发现，从海南封关红利到北 国冰雪热潮，从地方美食节到主题深度游，从线上电商满减到线下商圈立减，国有大行正深度嵌入春节 消费全链条，为这个马年新春增添了一道温暖的金融亮色。 深耕文旅餐饮，场景化金融激活"春节经济" 新春出行、团圆聚餐、休闲娱乐是春节消费的重要支柱，也是银行场景化服务竞争最激烈的赛道，国有 大行正以精细化运营撬动消费增量。 提供12306、滴滴出行立减，联合飞猪、美团上线"随机1分游""酒店预订叠加补贴"，联动全国万家知名 商户开展"百城万店"满减活动……据悉，工商银行（601398 ...

Group 1 - The A-share market saw a collective decline in bank stocks, with Chongqing Bank dropping over 2% and several other banks, including Agricultural Bank, CITIC Bank, and Xiamen Bank, falling more than 1% [1] - Chongqing Bank's stock decreased by 2.27%, with a total market capitalization of 36 billion and a year-to-date decline of 2.91% [2] - Agricultural Bank's stock fell by 1.62%, with a market cap of 2,337.9 billion and a year-to-date decline of 13.02% [2] Group 2 - CITIC Bank's stock decreased by 1.57%, with a market capitalization of 417.9 billion and a year-to-date decline of 2.47% [2] - Xiamen Bank's stock also fell by 1.57%, with a market cap of 19.9 billion and a year-to-date increase of 2.59% [2] - Qingnong Commercial Bank's stock dropped by 1.55%, with a market cap of 17.6 billion and a year-to-date increase of 2.26% [2] Group 3 - Other banks such as Qilu Bank, Xi'an Bank, and China Construction Bank experienced declines of 1.18% to 1.30%, with respective market caps of 36.2 billion, 16.9 billion, and 23,152 billion [2] - The stock of Industrial and Commercial Bank fell by 1.10%, with a market cap of 25,697 billion and a year-to-date decline of 9.08% [2] - China Merchants Bank's stock decreased by 1.04%, with a market cap of 98.33 billion and a year-to-date decline of 4.99% [2]

临近春节，银行揽储迎来新一轮热潮，多家中小银行打出组合拳，阶段性上调存款利率、上新专属存款 产品，还创新推出"存款送路费"等特色活动。而部分存款利率按兵不动的银行已摒弃对单一存款增长的 追求，转而着眼于提升客户在存款、理财、基金、保险等方面的整体金融资产规模，通过多元权益激励 提升资产管理规模（AUM），以此推动业务转型。 业内人士认为，这一系列动作是银行业为应对2026年定期存款到期潮所采取的具体措施。下一步，银行 需着力构建更加丰富的财富管理产品体系，以主动承接和满足居民多元化资产配置需求，不断优化自身 的负债端结构。 ● 本报记者 石诗语 花式揽储 "新进资金存三年定期，利率可达1.95%，这是前几天才开始执行的，利率较此前差不多上调了10个基 点。"近日在宁波银行北京地区一家营业网点内，一位理财经理向中国证券报记者介绍。 部分银行还对不同期限的定期存款产品进行了差异化调整。"近期我行推出'金彩稳盈存''金彩社保盈'个 人存款产品，其中100元起存的1年期存款利率较挂牌利率上浮25个基点，20万元起存的1年期大额存单 利率较挂牌利率上浮30个基点。除5年期产品外，其他不同期限存款产品利率上调5个至15个 ...

中国基金报记者 忆山 继工行、农行、建行后，又一家国有大行对积存金业务进行调整。2月11日，中国银行发布公告称，积存金产品最小购买金额由950元调整为1200元。 起购金额上调至1200元 中国银行表示，根据人民银行《黄金积存业务管理暂行办法》规定，参考当前市场情况，将于2026年2月12日起调整积存金产品的购买条件，具体调整情 况如下： 1.按金额购买积存金产品或创建积存定投计划时，最小购买金额由950元调整为1200元，追加购买金额维持200元整数倍不变。已在执行中的定投计划不受 影响。 【导读】中国银行将积存金起购金额上调至1200元 2.按克重购买积存金产品或创建积存定投计划时，最小购买克重维持为1克不变，追加克重维持为1克整数倍不变。 中国银行建议客户做好市场风险防范，基于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。 | | | 回顾来看，2025年，中国银行对积存金起购金额进行了四次上调。其中，2月由650元上调至700元；4月初上调至750元后不久，4月下旬又上调至850元； 到了10月，进一步上调至950元。 多家银行调整积存金 ...

（来源：票风笔记） 一、银票承兑总体情况 根据qeubee对四大类银行中银票承兑余额前100名银行的统计，2026年1月末，排名靠前的100家银行银票承兑余额合计16.95万亿元，较 上年末减少2379亿元，较上年末下降1.4%，占全市场银票承兑余额的93%。股份制银行、国有大行、城商行为银票承兑的三大主力， 农商行占比相对偏低。 分银行类型来看，2026年1月，四大类银行中，国有大行是唯一银票承兑余额增长的银行类型，较上年末增长1.8%；其余三类银行皆为 负增长，股份制银行、城商行、农商行分别较上年末下降3.4%、2.1%、6.0%。 | qeubee | | 2026年1月四类型银行银票承兑余额变化 | 单位: 万亿元 | | --- | --- | --- | --- | | 银行类型 | 样本银行数量 | 银票承兑余额 | 较上年末变化 | | 国有大行 | 6 | 5.93 | 1.8% | | 股份制银行 | 12 | 6.68 | -3.4% | | 城商行 | 68 | 3.98 | -2.1% | | 衣商行 | 14 | 0.36 | -6.0% | | 合计 | 100 | 16.95 ...