报告透过逆向推算模型估计，2026年四大行将有20.37万亿元长期存款到期，较2025年的18.34万亿元增 加2.03万亿元。若以四大行约占全国存款总量40%的比例推算，2026年全国长期定期存款到期规模将达 50.93万亿元，较2025年增加5.08万亿元。 2026年将开启银行业史上最大的负债再定价窗口，报告强调，这不仅能减缓净息差下滑速度，也为银行 盈利能力恢复创造条件。尽管面临息差压力，报告认为银行业基本面在2026年将保持稳健。中银国际覆 盖的商业银行，其2025年归母净利润预计实现同比小幅增长，2026年增速有望提升至约2%。 中银国际预测，随着超过50万亿元人民币(下同)的长期定期存款将于2026年集中到期，银行业负债成本 有望迎来重新定价窗口，这将显著缓解近年困扰行业的净息差下行压力。 根据中国人民银行数据，截至2025年6月末，内地人民币存款总额已达320.17万亿元。其中四大国有商 业银行一至五年期存款占比，从2024年末的24.5%高位回落至23.5%，显示存款结构出现初步改善迹 象。 智通财经APP获悉，中银国际发布研报称，维持对内银板块H股"增持"评级，并列出具体推荐名单，首 选工 ...

Core Viewpoint - Major Chinese banks have announced the implementation of an optimized personal consumption loan subsidy policy, extending its benefits and support to consumers [2] Group 1: Policy Implementation - The implementation period for the personal consumption loan subsidy policy has been extended to December 31, 2026 [2] - The scope of support has been expanded to include credit card bill installment services [2] Group 2: Subsidy Expansion - The subsidy field has been broadened by removing the restriction on single transactions of 50,000 yuan and above [2] - The subsidy standard has been improved by eliminating the cap of 500 yuan on single transaction subsidies and the previous limit of 1,000 yuan on cumulative subsidies for each borrower at a single institution [2] Group 3: Existing Agreements - For loans that have already signed the personal consumption loan subsidy service agreement, any consumption occurring after January 1, 2026, will automatically apply the latest subsidy policy without the need to re-sign the agreement [2]

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"目标对象检测方法、装置、设备 及存储介质"的专利，授权公告号CN116563701B，申请日期为2023年4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969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 ...

Core Insights - The strategic emerging industries are experiencing high growth across various regions in China, with some areas seeing total asset scales exceeding one trillion yuan, supported by increased credit investments from banking institutions [1] Group 1: Credit Investment in Strategic Emerging Industries - Fujian Automotive Industry Group received a one billion yuan strategic emerging loan from China CITIC Bank in just five working days, highlighting the bank's commitment to supporting innovation in the automotive sector [2] - As of November 2025, China CITIC Bank's technology finance loan balance reached 42.79 billion yuan, serving over 9,000 technology enterprises [2] - Agricultural Bank of China reported a 116.85% increase in strategic emerging industry loans, amounting to a growth of 32.6 billion yuan by September 2025, significantly outpacing the average loan growth rate [4] Group 2: Growth in Strategic Emerging Industries - The strategic emerging industries accounted for over 25% of the industrial added value in Henan Province, with significant contributions from advanced equipment, electronic information, and new energy vehicles [5] - Gansu Province's strategic emerging industries achieved revenue of 108.29 billion yuan in 2025, marking a 38.8% year-on-year growth and surpassing the one hundred billion yuan milestone for the first time [6] - Hebei Province's strategic emerging industries saw an 11.0% increase in added value, outpacing the overall industrial growth rate by 3.1 percentage points [7] Group 3: Bank Strategies and Industry Focus - Major banks are focusing on key sectors such as new generation information technology, biomedicine, and high-end equipment to support the development of strategic emerging industries [3] - The growth rate of loans in the strategic emerging industries is reported to be over 20%, significantly exceeding the average growth rate of bank credit [8]

Core Viewpoint - Agricultural Bank of China (ABC) is increasing the risk tolerance assessment requirements for personal clients participating in gold accumulation transactions to enhance consumer protection and comply with regulatory demands [1][2]. Group 1: Changes in Risk Assessment Requirements - Starting from January 30, 2026, personal clients must complete a risk tolerance assessment and achieve at least a cautious level to engage in gold accumulation services [1]. - Existing clients with valid assessment results are exempt from re-evaluation for certain operations like selling or withdrawing [1]. Group 2: Industry Trends and Market Conditions - ABC is the second state-owned bank to adjust investment thresholds for gold accumulation since 2026, following Industrial and Commercial Bank of China (ICBC) which raised the risk assessment level from C1 to C3 [2]. - The increase in investment thresholds is attributed to the high volatility of gold prices, which recently surpassed $5,100 per ounce [2]. - Experts indicate that the shift in gold's market perception from a stable savings alternative to a high-risk asset is driving these regulatory changes [2][3]. Group 3: Investor Behavior and Risks - There are concerns about investors potentially misrepresenting their risk tolerance during assessments, which could lead to mismatched risk profiles and inadequate investor protection [4]. - Such behavior undermines the integrity of the investor suitability framework, exposing investors to significant risks and complicating their ability to seek recourse in case of losses [4].

Core Viewpoint - The announcement details a debt transfer arrangement between Industrial and Commercial Bank of China Shenzhen Branch and China Cinda Asset Management Co., Ltd. Shenzhen Branch, correcting specific debt information from a previous notice [1] Group 1: Debt Transfer Arrangement - The debt transfer arrangement was published on January 16, 2026, in the Economic Daily [1] - The announcement includes a correction of the debt situation for specific borrowers listed in the original notice [1] Group 2: Borrower and Guarantor Information - The first borrower, Shenzhen Linzhuyuan Landscaping Co., Ltd., has a principal amount of 1,189,495,430.07 yuan and interest of 116,609,956.04 yuan, with multiple guarantors [1] - The second borrower, Shenzhen United Paper Co., Ltd., has a principal amount of 363,099,993.6 yuan and interest of 37,560,662.08 yuan, also with multiple guarantors [1] - The fifth borrower, Shenzhen Shengfeng Jewelry Co., Ltd., has a principal amount of 111,264,825.73 yuan and interest of 5,249,163.59 yuan, with various guarantors listed [1]

Core Viewpoint - The continuous decline in operating loan interest rates is driven by multiple factors, including policy guidance, market competition, and reduced funding costs, leading banks to focus on lending to quality small and micro enterprises [1][4]. Group 1: Loan Interest Rates - Several banks have reduced their operating loan interest rates, with some as low as 2.31%, a decrease of nearly 20 basis points from the previous month [1][2]. - The lowest rates for collateralized operating loans are reported between 2.31% and 2.55%, with some products potentially offering effective rates in the "1s" due to interest subsidies [2][4]. - The interest rate for first-time borrowers among small and micro enterprises can be reduced to the "1s" range due to a fiscal interest subsidy of 1% for the first year [2][3]. Group 2: Policy and Market Environment - The fiscal interest subsidy policy has been extended to the end of 2026, increasing the loan cap for eligible enterprises from 1 million to 10 million yuan [3]. - The subsidy now covers 11 sectors, including newly added digital, green, and retail consumption areas, alongside traditional sectors like hospitality and entertainment [3]. Group 3: Competition Among Banks - The competition for quality clients has intensified, with banks requiring higher standards for collateral, such as property location and age [5][7]. - Smaller banks are focusing on differentiating their client base and may offer lower rates or higher loan amounts to attract clients that do not meet the criteria of larger banks [7][8]. - The pressure to lower rates may lead to a compromise in risk management, with some banks potentially relaxing their standards to maintain competitiveness [7][8]. Group 4: Strategic Recommendations - Banks are encouraged to adopt differentiated pricing based on client creditworthiness and operational status, leveraging digital technology for risk control [8]. - There is a need for banks to diversify their business structure, focusing on wealth management and payment services to reduce reliance on net interest margins [8]. - Strengthening self-regulation and avoiding irrational price competition are essential for maintaining a balance between supporting the real economy and ensuring sustainable operations [8].

这种"一刀切"的风控模式，显然弊大于利。对消费者而言，解封账户需奔波柜台、提交各类证明，耗时 耗力；更有用户因账户受限导致还款逾期、应急消费受阻，承受额外损失。对银行而言，频繁"误伤"会 消耗用户信任，久而久之可能影响自身口碑与市场竞争力。更重要的是，过度严苛的无差别管控，可能 让公众对反诈风控产生抵触情绪，反而不利于相关工作的推进。 近日，多家媒体报道的"凌晨点外卖次数过多银行卡被风控"事件，让银行客户权益、风控安全之间的平 衡问题再次受到关注。有不少网友在"银行风控"的相关帖文下分享了类似经历，深夜点外卖、频繁购物 等行为触发了银行风控，导致银行卡使用受限。据了解，若账户存在小额交易频繁、快进快出、交易对 方账户存疑等情况，与电信诈骗行为模式相似，则可能被系统监测判断为异常。（见1月24日中国新闻 网） 本为防范电信诈骗、保护资金安全而实施的风控措施，却因部分银行"宁枉勿纵"的 "一刀切"操作，给 普通消费者的日常生活添了堵。诚然，银行收紧风控的初衷是好的。在反电信网络诈骗、反洗钱的高压 态势下，"谁开户、谁负责"的追责机制，让基层网点将"零涉诈账户"作为硬性目标。而快进快出、凌晨 交易等行为，因与诈骗资 ...

Core Insights - The continuous decline in operating loan interest rates is driven by multiple factors including policy guidance, market competition, and reduced funding costs [1][3][6] - Banks are focusing on operating loans as a key area for credit allocation, especially in light of weak mortgage demand and the need to optimize credit structures [1][3] Group 1: Interest Rate Trends - Several banks have lowered their operating loan interest rates, with some rates dropping to as low as 2.31% [1] - The minimum interest rate for secured operating loans is currently around 2.35%, while unsecured loans start at 2.55% [2] - With government subsidies, first-time borrowers from small and micro enterprises can enjoy interest rates as low as the "1s" [2] Group 2: Policy and Market Dynamics - The government has extended the fiscal subsidy policy for service industry enterprises until the end of 2026, increasing the loan cap for subsidies from 1 million to 10 million yuan [2] - The competition among banks is intensifying as they seek to attract high-quality small and micro enterprise clients, leading to a price war [3][5] Group 3: Risk and Sustainability - The ongoing decline in interest rates is putting pressure on banks' net interest margins, potentially leading to a focus on higher-risk clients [6] - Banks are encouraged to adopt differentiated pricing based on client creditworthiness and to enhance risk control through digital technologies [6] - The balance between price competition and sustainable operations is identified as a critical challenge for banks [6]

登录新浪财经APP 搜索【信披】查看更多考评等级 证券代码：002491 证券简称：通鼎互联 公告编号：2026-005 通鼎互联信息股份有限公司 关于为子公司提供担保的进展公告 近期，公司全资子公司江苏通鼎光电科技有限公司（以下简称"光电科技"）因业务发展需要，拟向中国 工商银行股份有限公司苏州长三角一体化示范区分行（以下简称"工行苏州示范区分行"）申请总额不超 过人民币5,000万元的银行授信额度。公司与工行苏州示范区分行签署了相关的《最高额保证合同》， 为上述综合授信额度提供连带责任保证担保。 根据公司2024年年度股东大会审议通过的《关于为子公司提供担保的议案》，公司在股东大会授权期限 内可为光电科技提供的担保额度合计为20,000万元。公司股东大会授权公司管理层根据实际情况，在担 保额度范围内实施具体担保事项并签署相关担保文件。具体内容详见公司于2025年4月26日披露于《证 券时报》和巨潮资讯网的《关于为子公司提供担保的公告》（公告编号：2025-019）。 上述担保事项在公司董事会和股东大会审议通过的担保额度范围内，已经公司董事长审批，无需再次提 交董事会和股东大会审议。 二、被担保人基本情况 ...