证券代码：601398 证券简称：工商银行 公告编号：临 2026-005 号 中国工商银行股份有限公司 关于高级业务总监离任的公告 | 姓名 | 离任职务 | 离任时间 | 原定任期 | 离任 | 是否继续在本 行及其控股子 | 具体职务 | 是否存在 未履行完 | | --- | --- | --- | --- | --- | --- | --- | --- | | | | | 到期日 | 原因 | 公司任职 | （如适用） | 毕的公开 | | | | | | | | | 承诺 | | 宋建华 | 高级业务总监 | 2026 年 | - | 年龄 | 否 | - | 否 | | | | 2 月 25 日 | | 原因 | | | | 经宋建华先生确认，其与本行董事会无不同意见，亦无任何与其离任有关的 事项需要通知本行股东及债权人，已按照有关要求做好交接工作。 宋建华先生担任本行高级业务总监期间，恪尽职守，勤勉尽责，在本行个人 金融、消费者权益保护、网络金融、运行管理等领域和发挥子公司业务功能等方 面作出了重要贡献。本行董事会对宋建华先生在任期间对本行作出的贡献表示衷 心的感谢！ 特此公告。 中国工商银行 ...

工商银行（601398）(01398)发布公告，该行高级业务总监宋建华先生因年龄原因，已提交辞呈，辞去 该行高级业务总监职务。 ...

智通财经APP讯，工商银行(01398)发布公告，该行高级业务总监宋建华先生因年龄原因，已提交辞呈， 辞去该行高级业务总监职务。 ...

格隆汇2月25日丨工商银行(01398.HK)公布，该行高级业务总监宋建华因年龄原因，已向该行提交辞 呈，辞去该行高级业务总监职务。 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告之內容概不負責，對其準確性或完整性亦不發表 任何聲明，並明確表示，概不就因本公告全部或任何部份內容而產生或因倚賴該等內容而引致之任何損失承擔任 何責任。 中國工商銀行股份有限公司 中國工商銀行股份有限公司 董事會 中國，北京 2026年2月25日 中國工商銀行股份有限公司（「本行」）高級業務總監宋建華先生因年齡原因，已向本行提 交辭呈，辭去本行高級業務總監職務。 | | | | | | 是否繼續 在本行及 | | 是否存在 未履行完 | | --- | --- | --- | --- | --- | --- | --- | --- | | | | | 原定任期 | | 其控股子 | 具體職務 | 畢的公開 | | 姓名 | 離任職務 | 離任時間 | 到期日 | 離任原因 | 公司任職 | （如適用） | 承諾 | | | 高級業務 | | | | | | | | 宋建華 | 總監 | 2026年2月25日 | – | 年齡原因 | 否 | – | 否 | 經宋建華先生確認，其與本行董事會無不同意見，亦無任何與其離任有關的事項需要通 知本行股東及債權人， ...

格隆汇2月25日丨工商银行(601398.SH)公布，公司高级业务总监宋建华先生因年龄原因，已向本行提交 辞呈，辞去本行高级业务总监职务。 ...

Core Insights - Banks are increasingly targeting the "red envelope" money from children, launching specialized savings and investment products to attract young customers [2][3][14] - The competition among banks for this demographic is seen as a long-term customer acquisition strategy, focusing on lifetime value and family connections [10][11] Group 1: Market Trends - Many banks have introduced children's savings products with higher interest rates compared to regular deposits, indicating a strategic move to attract young savers [7][9] - For example, banks like Huaxia Bank and Ruifeng Bank offer children's savings accounts with interest rates significantly above standard rates, such as 1.75% for a three-year term compared to 1.30% for regular deposits [7][9] - The marketing of these products is part of a broader trend where banks are recognizing the potential of the children's financial market, which is still in its early stages in China [12] Group 2: Product Offerings - Various banks have launched specific products aimed at children, such as Huaxia Bank's "Sunshine Growth Plan" and Qingxin Rural Commercial Bank's "Play with Red Envelope" campaign, which includes incentives like prize draws [5][6] - Investment products are also being marketed to children, with banks like ICBC promoting low-risk bond funds and index funds as suitable options for growing "red envelope" money [6] - The interest rates for children's savings accounts are often structured to be more attractive than those for adult accounts, serving as a "door opener" for banks to establish long-term relationships with families [9][10] Group 3: Strategic Implications - The focus on children's financial products is part of a "positioning war" among banks, aiming to secure future customers from a young age [10][11] - Banks are leveraging the family connection aspect, where serving one child can lead to the entire family's engagement with the bank's services [10][11] - The accumulation of data from young customers is seen as a foundation for future personalized services, transitioning from a "flow thinking" to a "retention thinking" approach in banking [11][12]

Group 1 - The company is closely monitoring the development of new technologies such as underwater data centers and their industry applications [1] - Currently, there are no plans for the construction of underwater data centers by the company [1]

Group 1 - The company is closely monitoring the development of new technologies such as underwater data centers and their industry applications [1] - Currently, there are no plans for the construction of underwater data centers by the company [1]

Group 1 - The core idea of the article highlights the competitive landscape of children's financial products among banks, particularly during the Chinese New Year, leveraging the tradition of "lucky money" as a marketing tool to attract family asset allocation [2] - Banks are moving beyond mere marketing to establish systematic operational models, as evidenced by Beijing Bank's launch of the "Xiao Jing Card" and the "Xiao Jing Lucky Money" product, which offers a three-year fixed deposit rate of 1.75% with a low entry threshold of 1,000 yuan [2][3] - The industry consensus is shifting towards high-yield, low-threshold savings products for "lucky money," with examples including Guangxi Beibu Gulf Bank's "Dream Savings No. 1" at 1.9% for a minimum deposit of 50 yuan, and Jilin Bank's "Xiao Ji Savings" at 1.8% with a 10,000 yuan threshold [2] Group 2 - China Merchants Bank focuses on an ecological and scenario-based approach in wealth management, exemplified by the "Jin Xiao Kui" section in its mobile banking app, allowing parents to create dedicated accounts for their children [4] - The wealth management platform of China Merchants Bank promotes a variety of financial products based on the child's account activity, including a special fixed-income product with an annualized return of 2.84% [5] - The strategy of targeting children's "lucky money" accounts serves as a low-cost customer acquisition channel, potentially linking to parents' and even grandparents' accounts, indicating that children's finance is becoming a long-term focus for banks beyond seasonal marketing [5]