服务介绍 为践行"支付为民"服务宗旨，解决"已故亲属银行卡账户线索查询难"实际问题，便利群众查询已故人员银行卡账户信息，在中国人民银行山东省分行指导 下，中国银联山东分公司于2025年10月13日在全省试点开展"已故人员银行卡账户线索查询"服务。 服务介绍 "已故人员银行卡账户线索查询"业务基于中国银联云闪付APP"一键查卡"功能，是查询已故人员银行卡账户线索的便民服务。支持合法继承人或其代理人 至银行网点提交申请材料并经银行审核后，通过云闪付APP发起查询并查看报告。 适用对象 已故人员的配偶、父母、子女，公证遗嘱指定的继承人或受遗赠人，经公证机构审查确认身份的继承人、经合法授权的代理人可向银行申请查询服务。 查询结果 查询结果仅包含已故人员银行卡开户行线索（发卡行名称），不包含银行卡号、余额等信息，也不包含存折、定期存单、理财等账户信息。查询结果仅供 参考，不作为遗产继承等财产处置流程的法律依据。查询人可根据查询结果，前往已查询到的开户银行办理账号、余额查询及资金提取等后续业务。 查询人至支持受理该业务的银行网点现场提交查询申请，通过审核后，银行网点工作人员打印"查询授权码"交付查询人。查询授权码24小时 ...

Core Viewpoint - Morgan Stanley's latest report indicates that after seasonal adjustments in Q3, Chinese bank stocks are entering a cyclical bottom, with promising investment opportunities expected in Q4 of this year and Q1 of next year. This cycle's bottoming is characterized as a "natural clearing" without large-scale stimulus interventions, marking a new development phase for the market [1]. Group 1: Economic Indicators and Market Dynamics - Multiple economic indicators suggest that the adjustment in the domestic banking system is nearing its end, with a rebound in M1 growth and improved industrial profits occurring without major economic stimulus [1]. - The report highlights that this is a significant milestone, indicating that the internal circulation dynamics of the Chinese economy are strengthening, and the financial system is becoming less dependent on policy stimulus [1]. Group 2: Factors Supporting Bank Stock Revaluation - Four key factors are expected to support the revaluation of bank stocks in the upcoming quarters: 1. The dividend distribution window is approaching, with Q4 typically seeing a concentration of dividend payouts from listed banks, enhancing the attractiveness of high-dividend characteristics for long-term capital [3]. 2. A stable interest rate environment is emerging, which will help alleviate the pressure from the continuous narrowing of banks' net interest margins, thus supporting profitability [3]. 3. The rollout of approximately 500 billion RMB in structural monetary policy tools will inject liquidity into the banking system and guide credit towards specific sectors, optimizing asset structures [3]. 4. Current policy support is more focused on precision and sustainability, avoiding "flood irrigation" and creating a more predictable operating environment for the banking industry [3]. Group 3: Investment Strategy Shift - The previous investment logic relying on macroeconomic strong stimulus is no longer effective. Investors are advised to strategically shift their focus [3]. - Future excess returns will not stem from sector-wide beta trends but rather from alpha opportunities, emphasizing the need to identify leading banks that can achieve earlier and stronger profit rebounds through superior risk management, efficient operating models, and high-quality customer bases in a "natural clearing" environment [3][4].

摩根士丹利发表研究策略，相信工商银行的股价在未来60天内将上涨，此情境发生的概率约70%至80% (即极有可能)。大摩预计银行股股价将受季节性资金流入的支撑，并在今年底前看到更多上行空间。温 和但稳定的信贷需求应能稳定金融资产收益率和银行净息差，并在未来几个季度支持收入和利润增长。 该行预期工行将在今年第三季实现另一个季度的盈利正增长，6.1%的股息收益率提供了具吸引力的回 报机会。大摩对其评级为"增持"，目标价为7.6港元。 ...

摩根士丹利发表研究策略，相信工商银行的股价在未来60天内将上涨，此情境发生的概率约70%至80% (即极有可能)。大摩预计银行股股价将受季节性资金流入的支撑，并在今年底前看到更多上行空间。温 和但稳定的信贷需求应能稳定金融资产收益率和银行净息差，并在未来几个季度支持收入和利润增长。 该行预期工行将在今年第三季实现另一个季度的盈利正增长，6.1%的股息收益率提供了具吸引力的回 报机会。大摩对其评级为"增持"，目标价为7.6港元。 ...

Core Insights - The precious metals market is experiencing increased volatility, prompting banks and exchanges to issue risk warnings [1][7][8] - Gold prices recently hit a historical peak, with spot gold reaching $4380.79 per ounce on October 17, marking a year-to-date increase of over 60% [3][2] - Financial institutions are raising thresholds for gold accumulation and adjusting margin requirements due to market fluctuations [10][6] Group 1: Market Performance - On October 20, gold prices fell below $4230 per ounce, a drop of over $45 from the day's high, yet remained at historically high levels [1] - The price of gold in the Shanghai Gold Exchange reached a record high of 997.17 yuan per gram on October 17 [3] - Brand gold jewelry prices have also surged, with Chow Tai Fook's gold jewelry priced at 1279 yuan per gram, an increase of 32 yuan from the previous day [4][5] Group 2: Institutional Responses - Major banks, including China Construction Bank and China Merchants Bank, have issued multiple risk warnings regarding precious metals trading [8][10] - The Shanghai Gold Exchange and Shanghai Futures Exchange have advised members to enhance risk management practices due to market instability [7] - Several banks have raised the minimum purchase amounts for gold accumulation products, with China Bank adjusting its minimum from 850 yuan to 950 yuan [10] Group 3: Investment Strategies - Bridgewater Associates founder Ray Dalio suggests that gold should be viewed from a strategic allocation perspective rather than a speculative one, recommending a portfolio allocation of 10% to 15% in gold [14][11] - Despite warnings from financial institutions, there is a growing trend of investors engaging in risky behaviors, such as using loans to purchase gold [12][13] - Experts caution that while gold has strong liquidity, extreme market conditions could lead to liquidity issues, and using borrowed funds for investment purposes may violate regulations [12][13]

2025.10. 20 本文字数：2467，阅读时长大约4分钟 作者 | 第一财经 陈君君 近期，多家银行陆续启动"长期不动账户"清理行动，涵盖个人及单位账户。与2023年由国有大行主导的集中清理不同，今年的行动明显呈现常态化、分 层化特征。其中，地方中小银行成为主力军，标准体系更精细。业内人士认为，监管要求从专项任务转向长效机制，银行账户管理进入全生命周期动态监 管阶段。 "沉睡账户"再清理 10月以来，新疆和田农商银行、湖北远安农商银行、辽宁葫芦岛银行、广西北部湾银行等多家地方性银行相继发布公告，对"长期不动账户"开展清理。 新疆和田农村商业银行10月16日发布公告，将对个人手机银行长期睡眠账户开展清理工作。同日，湖北远安农商银行宣布启动个人银行账户集中治理， 包括个人长期不动户、重复开户及身份信息缺失账户。贵安发展村镇银行则针对一年内未发生收付活动（不包括结息等非客户主动交易）且无欠债的单位 结算账户实施清理。 与前一轮由农业银行、中国银行、交通银行等国有大行率先启动的集中行动不同，2025年的清理主体已明显下沉至地方中小银行。 地方银行的参与，缘于其账户结构更复杂、存量问题更突出。多位银行从业者对记者 ...

Core Viewpoint - The article discusses the ongoing cleanup of "sleeping accounts" by commercial banks in China, highlighting the challenges faced by account holders and the implications for the banking system [1][2][3]. Group 1: Definition and Scope of "Sleeping Accounts" - "Sleeping accounts" are defined as personal bank accounts that have not had any active transactions for five years or more and still have a balance [2]. - The criteria for identifying these accounts are becoming stricter, focusing on accounts with a balance below 10 RMB and no transactions for over three years [2][3]. Group 2: Impact on Account Holders - Many account holders are unaware of the restrictions on their accounts until they attempt to use them, leading to frustration and inconvenience [1][3]. - Current banking practices require account holders to visit physical bank branches for account activation or deactivation, which contrasts with the public's expectations for digital services [3][6]. Group 3: Financial Crime and Operational Efficiency - The cleanup initiative is partly driven by the rising risk of financial crimes, with approximately 30% of fraud cases linked to long-dormant accounts [3][4]. - Maintaining inactive accounts incurs hidden operational costs for banks, prompting a need to streamline resources and focus on active customers [4]. Group 4: Recommendations for Account Holders - Banks advise account holders to manage their accounts proactively, including closing redundant accounts and making small deposits to keep accounts active [5]. - The introduction of tools like the "One-Click Card Check" feature in the UnionPay app allows users to monitor their accounts conveniently [5]. Group 5: Future of Banking Services - The article emphasizes the need for banks to enhance their digital services, particularly in account management, to improve customer experience and trust [6]. - The balance between financial security and customer convenience remains a critical challenge for the banking sector moving forward [6].

Core Insights - The state-owned large bank sector saw an increase of 0.64% on October 20, with Agricultural Bank leading the gains [1] - The Shanghai Composite Index closed at 3863.89, up 0.63%, while the Shenzhen Component Index closed at 12813.21, up 0.98% [1] Bank Performance Summary - Agricultural Bank (601288) closed at 7.75, up 1.71%, with a trading volume of 5.617 million shares and a transaction value of 4.294 billion [1] - China Bank (601988) closed at 5.36, up 0.37%, with a trading volume of 3.336 million shares and a transaction value of 1.771 billion [1] - Construction Bank (601939) closed at 9.25, up 0.33%, with a trading volume of 1.424 million shares and a transaction value of 1.305 billion [1] - Industrial and Commercial Bank (601398) closed at 7.61, down 0.13%, with a trading volume of 3.920 million shares and a transaction value of 2.960 billion [1] - Transportation Bank (601328) closed at 6.97, down 0.14%, with a trading volume of 2.382 million shares and a transaction value of 1.648 billion [1] - Postal Savings Bank (601658) closed at 5.68, down 0.70%, with a trading volume of 1.839 million shares and a transaction value of 1.040 billion [1] Capital Flow Analysis - The state-owned large bank sector experienced a net inflow of 669 million in main funds, while retail funds saw a net outflow of 307 million [1] - Agricultural Bank had a main fund net inflow of 623 million, while retail funds saw a net outflow of 324 million [2] - Industrial and Commercial Bank had a main fund net inflow of 47.51 million, with retail funds experiencing a net outflow of 9.14 million [2] - Construction Bank had a main fund net inflow of 28.59 million, while retail funds saw a net inflow of 878.29 thousand [2] - China Bank had a main fund net outflow of 10.84 million, with retail funds experiencing a net inflow of 1.530 million [2] - Postal Savings Bank had a main fund net outflow of 21.77 million, while retail funds saw a net inflow of 334.70 thousand [2]

Core Points - Inner Mongolia Mingquan Agricultural and Animal Husbandry Co., Ltd. successfully obtained 5 million yuan financing through the "Central Bank Credit Pass," marking the first successful implementation of this financing service in Inner Mongolia [1] - The "Central Bank Credit Pass" is a credit market service platform established by the People's Bank of China, aimed at facilitating financing connections and policy transmission, enhancing the precision and directness of credit policy transmission [1] - The financing was crucial for the company, which specializes in dairy cattle breeding, as it faced difficulties in cash flow and required immediate financial support [1] Financing Process - The People's Bank of China Inner Mongolia Branch assigned personnel to assist the company in registering for the "Central Bank Credit Pass" and successfully submitted the financing application [1] - After the application was submitted online, the Bank of Communications Baotou Branch quickly responded by matching the company with a tailored breeding loan product and increased the credit limit through third-party guarantees [1] - The entire process from application to funding took only 2 days, demonstrating high efficiency in bank-enterprise connections and providing a practical example for promoting the "Central Bank Credit Pass" financing service across the region [1]

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。 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。 2025年10月11日，郴州金融监管分局发布批复称，《中国工商银行（601398）湖南省分行关于对郑波同 志进行任职资格核准的请示》（工湘银报〔2025〕107）及相关材料收悉。经审核，现批复如下： 一、核准郑波中国工商银行股份有限公司郴州分行副行长的任职资格。 ...