声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 来源：市场资讯 天眼查资料显示，中国工商银行股份有限公司，成立于1985年，位于北京市，是一家以从事货币金融服 务为主的企业。企业注册资本35640625.7089万人民币。通过天眼查大数据分析，中国工商银行股份有 限公司共对外投资了28家企业，参与招投标项目5000次，财产线索方面有商标信息965条，专利信息 5000条，此外企业还拥有行政许可79个。 国家知识产权局信息显示，中国工商银行股份有限公司取得一项名为"图像识别模型训练方法、装置、 电子设备及存储介质"的专利，授权公告号CN117058516B，申请日期为2023年7月。 ...

国家知识产权局信息显示，中国工商银行股份有限公司取得一项名为"音频增强方法、装置、计算机设 备和存储介质"的专利，授权公告号CN116564325B，申请日期为2023年5月。 来源：市场资讯 声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 天眼查资料显示，中国工商银行股份有限公司，成立于1985年，位于北京市，是一家以从事货币金融服 务为主的企业。企业注册资本35640625.7089万人民币。通过天眼查大数据分析，中国工商银行股份有 限公司共对外投资了28家企业，参与招投标项目5000次，财产线索方面有商标信息965条，专利信息 5000条，此外企业还拥有行政许可79个。 ...

声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 来源：市场资讯 国家知识产权局信息显示，中国工商银行股份有限公司取得一项名为"应用程序推荐方法、装置、计算 机设备和存储介质"的专利，授权公告号CN116561435B，申请日期为2023年6月。 天眼查资料显示，中国工商银行股份有限公司，成立于1985年，位于北京市，是一家以从事货币金融服 务为主的企业。企业注册资本35640625.7089万人民币。通过天眼查大数据分析，中国工商银行股份有 限公司共对外投资了28家企业，参与招投标项目5000次，财产线索方面有商标信息965条，专利信息 5000条，此外企业还拥有行政许可79个。 ...

Core Viewpoint - A-share listed banks have shown positive growth in net profit for 2025, with all 11 banks reporting an increase, and four banks achieving double-digit growth, led by Qingdao Bank at 21.66% [1][5]. Group 1: Financial Performance - Qingdao Bank reported a net profit of 518.77 million yuan, up from 426.41 million yuan, marking a growth rate of 21.66% [2]. - Qilu Bank and Hangzhou Bank followed with net profit growth rates of 14.58% and 12.05%, respectively [5]. - In terms of total assets, China Merchants Bank leads with 13.07 trillion yuan, a year-on-year increase of 7.56% [4]. - The overall asset quality of the banks remains stable, with most banks reporting a decrease or stability in non-performing loan ratios [5][6]. Group 2: Revenue Trends - Revenue growth among the banks is varied, with only CITIC Bank experiencing a slight decline of 0.55% [4]. - Nanjing Bank led in revenue growth with a 10.48% increase, while Ningbo Bank and Qingdao Bank reported increases of 8.01% and 7.97%, respectively [4][5]. - The overall revenue growth for A-share listed banks is expected to improve in 2025, driven by narrowing interest margins and increased impairment contributions [9]. Group 3: Market Outlook - Analysts are cautiously optimistic about the banking sector's performance in 2026, with expectations of stable credit growth and improved profitability [9][10]. - The investment focus for 2026 includes identifying banks with potential for growth, particularly Ningbo Bank and China Merchants Bank, and those with convertible bond expectations like Industrial Bank [10]. - The overall market capitalization of the banking sector has surpassed 15 trillion yuan, reflecting a significant increase from the previous year [6].

Core Viewpoint - The successful launch of "Zhaoyin Jinkui" and "Puyin Shuzhi" satellites by China Merchants Bank and Pudong Development Bank marks a significant step in the integration of banking and commercial aerospace, highlighting the banks' strategic move to leverage satellite technology for enhancing digital financial infrastructure and supporting the commercial aerospace industry [2][10]. Group 1: Satellite Launch and Collaboration - The "Zhaoyin Jinkui" and "Puyin Shuzhi" satellites are part of the "Tianqi Constellation" low-orbit narrowband satellite IoT network, showcasing banks' involvement in satellite launches [2][3]. - This is not the first instance of banks collaborating with commercial satellite companies; previous launches include "Zhaoyin 1" and "Zhaoyin 2" by China Merchants Bank and "Ping An 1" and "Ping An 2" by Ping An Bank [3][4]. - Banks are adopting various paths to utilize satellite technology, including direct satellite launches and purchasing processed data from satellite companies for financial applications [3][4]. Group 2: Applications and Benefits of Satellite Technology - The integration of low-orbit satellites enhances banks' capabilities in financial asset management, risk control, and emergency communication, extending their digital infrastructure into space [3][6]. - Banks are increasingly moving from merely purchasing satellite data to actively participating in satellite launches, driven by the need for improved risk management and business continuity [6][7]. - The use of satellite technology allows banks to overcome geographical and environmental limitations, thus expanding their business reach, especially in remote areas [7][10]. Group 3: Cost and Market Dynamics - The cost of launching commercial satellites is expected to decrease due to technological advancements and economies of scale, making customized commercial applications more feasible [8][9]. - Current costs for launching a commercial satellite range from tens of millions to over a billion yuan, with significant potential for reduction as the industry matures [8][9]. - By 2030, the cost of satellite launches could drop to below 10,000 yuan per kilogram, further encouraging financial institutions to invest in satellite technology [9]. Group 4: Financial and Industrial Synergy - The collaboration between banks and satellite companies represents a deeper financial and industrial synergy, enabling banks to expand their service offerings and support the development of the commercial aerospace ecosystem [10][14]. - Banks are innovating financial products and services, such as satellite leasing and industry-specific funds, to meet the unique needs of the aerospace sector [14][15]. - The integration of satellite data into financial services is expected to enhance credit assessments and risk management, aligning financial services more closely with the real economy [10][15].

二、中国工商银行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自中国工商银行 政许可决定作出之日起3个月内到任，并按要求及时报告到任情况。未在上述规定期限内到任的，本批 复文件失效，由决定机关办理行政许可注销手续。 三、中国工商银行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固树立风险 合规意识，熟悉任职岗位职责，忠实勤勉履职。 一、核准韦巍中国工商银行河北雄安分行副行长的任职资格。 2026年2月2日，雄安新区金融监管分局发布批复称，《中国工商银行（601398）股份有限公司河北省分 行关于核准韦巍任职资格的请示》（工银冀报〔2026〕15号）收悉。经审核，现批复如下： ...

Group 1 - The core viewpoint of the article highlights the contrasting behaviors in the gold market, with retail investors showing enthusiasm for gold purchases while financial institutions adopt a cautious approach by tightening investment criteria and risk assessments [1][4][5] - As of February 9, the spot gold price reached a high of $5047.257 per ounce, marking a significant recovery above the $5000 threshold, with A-share and Hong Kong gold stocks also experiencing gains [1][2] - The current gold bull market has seen a cumulative increase of over 246% since its low in September 2022, with a notable surge of 64.56% in 2025, indicating strong market momentum [2][3] Group 2 - Financial institutions are raising the entry thresholds for gold investment, with banks like China Construction Bank and China Merchants Bank increasing minimum investment amounts for gold accumulation products [4][5] - Risk assessment standards are being tightened, with banks requiring higher risk tolerance levels for clients wishing to engage in gold investment, reflecting a proactive approach to consumer protection [5][6] - Despite the tightening of investment criteria, banks are also promoting gold-related financial products, such as structured deposits, which offer lower risk and are designed to appeal to a broader range of investors [6][7] Group 3 - The demand for physical gold products is surging ahead of the Spring Festival, with many banks reporting shortages of gold bars and coins, leading to recommendations for online purchases [7][8] - Investors are advised to be cautious during the holiday period, as international gold markets will remain active while domestic trading may pause, creating potential volatility [8][9] - Recommendations for gold investment include understanding the purpose of the purchase, with suggestions for gradual buying strategies to mitigate risks associated with high prices [10][11]

Core Viewpoint - The gold market is experiencing a surge in demand ahead of the Spring Festival, with spot gold prices stabilizing above $5000 per ounce, while financial institutions are adopting a cautious approach by tightening investment criteria and risk assessments [1][4][5]. Group 1: Gold Price Dynamics - As of February 9, spot gold prices reached a high of $5047.257 per ounce, marking a significant recovery above the $5000 threshold [1]. - The current bull market for gold has seen prices increase by over 246% since September 2022, with a notable rise of 64.56% in 2025 alone [3]. - Despite recent volatility, including a sharp drop to $4402.06 per ounce, gold prices rebounded quickly, indicating strong market resilience [3][4]. Group 2: Institutional Responses - Major banks have raised the entry thresholds for gold investment, with institutions like China Construction Bank increasing the minimum amount for gold accumulation to 1500 yuan [5][6]. - Risk assessment standards have been tightened, requiring clients to achieve a cautious risk rating before engaging in gold accumulation products [6]. - These measures are in response to the heightened volatility in gold prices and aim to protect inexperienced investors from potential losses [6]. Group 3: Consumer Behavior and Recommendations - There is a growing demand for physical gold products, with banks reporting shortages and advising customers to purchase online [8][9]. - Consumers are encouraged to clarify their purchasing intentions, distinguishing between investment and consumption, and to consider strategies like dollar-cost averaging to mitigate risks [10][11]. - The market is expected to remain volatile during the Spring Festival, with predictions of gold prices fluctuating between $4600 and $5000 per ounce [11].

又到岁末年初，兑换崭新钞票包红包是许多家庭的春节传统。近期各大银行的新钞预约火热，一场新钞"预约战"就此打响。 时代财经注意到，目前多家银行均支持储户通过手机银行APP线上预约新钞，并自行选择方便的网点支取。从预约情况来看，不少银行十分火爆，部分地 区甚至"一钞难求"，如招商银行APP日前显示，该行深圳地区的线上新钞预约额度使用完毕，暂不提供服务，如有新钞兑换需求，储户可咨询各营业网 点。 在广东省等流行换新钞、备"利是"的地区，小面额钞票预约尤其紧张，20元、50元面值的新钞最为抢手。"今年广东的很多银行都很难拿到20元新钞，问 了很多都说没有，都是给10元新钞代替。"2月6日，来自广东的储户林女士如此表示。 据工商银行深圳市分行近日发布，2026年新春，工商银行深圳市分行在工银微金融小程序开启了"利是钞预约"服务通道。该行同时称，利是钞指新钞或符 合流通标准且整洁度较高的环保钞，网点将优先提供新钞，当新钞额度兑换完毕后，将提供环保钞，同样寓意吉祥；另外，利是钞支持预约100元、50 元、20元、10元、5元共五种券别，可以满足储户的多样需求。 从额度来看，该行上述5种面额新钞的可预约张数均为100张，储户 ...

编辑：湛玮琦 二是商户赋能强根基，构建智慧经营新生态。针对灯会流动消费场景特点，工行成都分行聚焦灯会集市80余户商户精准优化金融服务供给，为商户提供扫码 支付收单服务。同时通过简化结算流程、降低收单手续费等务实举措，切实减轻商户经营负担、提升资金周转效率。同时依托交易数据积累，为商户后续精 准服务提供坚实数据支撑，助力传统集市商户向数字化、智能化经营转型，进一步夯实实体经济发展根基。 三是场景融合拓边界，深化文旅赋能新实践。一方面，将灯会门票销售精准接入"职工普惠"平台，充分发挥客户资源优势，依托工会系统、企业客户等渠道 广泛推广，既拓宽了灯会票务销售渠道，也为平台用户提供了优质文化消费新选择；另一方面，以文化赞助为纽带，专属赞助"锦绣成都"主题灯组，生动传 递工行成都分行扎根本土、服务实体经济的品牌理念，同时在灯会现场打造沉浸式支付场景，推动支付服务与灯会美学有机融合。 此次金融赋能成都国际熊猫灯会，既是工行四川省分行践行金融为民初心、助力地方文旅产业升级的生动实践，更是落实金融高质量发展要求、以金融活水 激活城市文旅活力的有力探索。未来，工行四川省分行将持续深耕全省文旅产业，以更多元的金融产品、更优质的服 ...