2026年开年，存款市场迎来重要变化。曾作为银行"揽储利器"的大额存单，利率持续下行，部分中小银 行3个月期产品利率首次跌破1%，正式进入"0 字头"区间。 大额存单短期限产品利率跌破1%，成为近年来首次出现的市场现象。 这一变化，不仅正在改写储户对于"高息存款"的旧有认知，更推动整个理财市场迎来资产配置的重构浪 潮。 根据中国货币网公开信息，今年已有超40家银行发布2026年第一期大额存单发行公告。在"期限"和"利 率"两个方面都有明显不同于往年的变化。 在期限方面，"短期化"特征明显：多数银行主打一年期及以下品种，三年期产品发行量锐减，五年期产 品近乎绝迹。在利率方面，"下行态势"突出，三年期产品利率普遍不超过2%，一年期利率多不足 1.5%，一年期以下产品利率已跌破1%。 《金融时报》记者登陆多家银行手机银行查看发现，六大行已集体下架五年期大额存单，在售产品期限 普遍在3年及以内。例如，工商银行、建设银行三年期大额存单利率均为1.55%；工商银行、农业银 行、中国银行、建设银行1个月及3个月大额存单利率均为0.9%。 "'存钱躺赚'的时代正在过去。"招联首席研究员、上海金融与发展实验室副主任董希淼在接受 ...

Group 1 - The core point of the article is that the Industrial and Commercial Bank of China (ICBC) has applied for a patent related to cross-border remittance methods, devices, and storage media, indicating a focus on financial technology innovations [1] - The patent application, published as CN121329577A, was filed on February 2025 and aims to enhance the efficiency and security of cross-border remittances [1] - The method described in the patent involves generating a withdrawal identification code based on formal withdrawal applications and transaction details, which helps in reducing costs and processing time for exporters [1] Group 2 - ICBC was established in 1985 and is headquartered in Beijing, primarily engaged in monetary financial services [1] - The registered capital of ICBC is approximately 35.64 billion RMB [1] - According to data from Tianyancha, ICBC has invested in 28 companies, participated in 5,000 bidding projects, and holds 976 trademark records and 5,000 patent records [1]

Core Insights - Apple and Visa announced support for Visa cards issued in mainland China to be linked to Apple Pay, enhancing mobile payment options for users [1] - The initiative aims to address the mobile payment needs of existing cardholders, particularly for cross-border transactions and frequent travelers [2] Group 1: Market Context - The current mobile payment landscape in China is dominated by QR code payments, with lower acceptance of "tap-to-pay" methods like Apple Pay [3] - Visa reported that 79% of global offline transactions come from "tap-to-pay" solutions, indicating a significant gap in domestic adoption compared to international markets [2] Group 2: User Experience and Security - When a credit card is linked to Apple Pay, the actual card number is not stored on the device or Apple's servers, enhancing security through tokenization [3] - The system generates a unique device account number that is encrypted and stored securely, ensuring safe transactions for users [3] Group 3: Operational Details - Users can add their Visa cards to Apple Pay via the Wallet app or directly through their bank's app, enabling immediate use on compatible devices [4] - Some banks, like China Merchants Bank, are innovating with an "instant activation" process, allowing users to apply for and use Visa cards without waiting for physical cards [4] Group 4: Future Outlook - The support for Visa card linking is expected to attract new user groups and increase usage scenarios for Apple Pay, contingent on the growth of Apple's user base and outbound consumption demand [5] - Future integration of more international payment networks is anticipated, with existing technological infrastructure supporting such developments, although regulatory compliance remains a key challenge [5]

Core Viewpoint - The China Industrial and Commercial Bank (ICBC) Lancang Branch has successfully integrated inclusive finance into local economic development, achieving a loan balance exceeding 100 million yuan by January 1, 2026, and significantly contributing to the growth of the local economy [1][2] Group 1: Financial Contributions - Since its establishment in December 2023, the ICBC Lancang Branch has issued a total of 270 million yuan in agricultural loans and 180 million yuan in loans to small and medium-sized enterprises by the end of 2025, demonstrating a strong commitment to supporting rural revitalization [1] - The bank has tailored credit products to meet the specific needs of local agricultural producers and small enterprises, optimizing loan amounts, repayment terms, and interest rates [1] Group 2: Industry Focus - The ICBC Lancang Branch has focused on local advantageous industries such as coffee, tea, peanuts, and avocados, forming outreach teams to conduct in-depth research and accurately connect with the funding needs of agricultural operators and small businesses [1] - The bank is set to launch exclusive loan schemes for specialty agricultural products like Fuling and Piesai, which will enhance service coverage and precision [2] Group 3: Operational Efficiency - By simplifying the loan application process and improving approval efficiency, the ICBC Lancang Branch has effectively addressed the financing difficulties faced by agricultural operators and small enterprises, making inclusive loans a vital support for industrial development [2]

Core Viewpoint - The 2025 China Enterprise ESG "Golden Responsibility Award" aims to recognize companies and institutions that have made significant contributions to ESG initiatives in China, reflecting a shift from voluntary practices to compliance requirements in ESG performance [1][12]. Group 1: ESG Development and Awards Overview - By 2025, China's ESG development has transitioned from "setting standards" to "strengthening regulations," with a comprehensive disclosure standard system being established [1][12]. - The award selection attracted over 5,000 companies, with results based on ESG performance, online voting, and professional evaluations [2][12]. Group 2: Award Categories and Winners - The award categories include Excellent Environmental Responsibility Award, Excellent Social Responsibility Award, Excellent Corporate Governance Responsibility Award, Excellent Responsibility Initiative Award, Excellent Sustainable Development Award, and various responsibility investment awards [1][12]. - Notable winners of the Excellent Environmental Responsibility Award include Great Wall Motors, Hikvision, and China Petroleum [7][24]. - The Excellent Social Responsibility Award was awarded to companies such as YF Communication, ZTE, and Ningde Times [7][24]. - Winners of the Excellent Corporate Governance Responsibility Award include China Petroleum, Hikvision, and WuXi AppTec [7][24]. - The Excellent Responsibility Initiative Award was given to companies like ZTE, Sunlight Power, and Industrial and Commercial Bank of China [7][24]. - The Excellent Sustainable Development Award included companies such as WanHua Chemical, China Bank, and China Petroleum [7][24]. Group 3: Responsibility Investment Awards - The Responsibility Investment Excellent Bank Award was given to institutions like CITIC Bank and Minsheng Bank [5][21]. - The Responsibility Investment Excellent Securities Company Award included firms such as Shenwan Hongyuan and CITIC Securities [5][22]. - The Responsibility Investment Excellent Insurance Company Award recognized companies like New China Life and AIA [5][26]. - The Responsibility Investment Excellent Fund Company Award included firms such as Xinhua Fund and Harvest Fund [5][27]. - The Responsibility Investment Excellent Asset Management Institution Award recognized institutions like Ping An Asset Management and Sunshine Asset Management [5][28]. Group 4: Call to Action and Future Directions - The award committee encourages more Chinese enterprises to integrate ESG principles into their operations and strategic planning, emphasizing the importance of balancing commercial and social values [10][29].

Core Viewpoint - The performance of the CSI 300 ESG ETF (561900) shows a slight decline, indicating market volatility and mixed performance among its major holdings [1] Group 1: ETF Performance - As of the midday close on January 15, the CSI 300 ESG ETF (561900) decreased by 0.30%, trading at 0.995 yuan with a transaction volume of 683,200 yuan [1] - Since its inception on July 6, 2021, the fund has returned -0.23%, while its return over the past month is 3.39% [1] Group 2: Major Holdings Performance - Among the major stocks in the CSI 300 ESG ETF, Kweichow Moutai fell by 0.47%, CATL increased by 0.01%, and China Merchants Bank rose by 0.37% [1] - Other notable movements include Zhongji Xuchuang down by 1.07%, Changjiang Electric up by 0.30%, Midea Group up by 0.71%, BYD down by 0.32%, Industrial Bank down by 0.10%, and Heng Rui Pharmaceutical down by 1.37% [1]

Group 1 - The price of gold bars from various banks and institutions has shown an increase, with specific examples including the Construction Bank and Industrial and Commercial Bank both reporting a rise of 3.40 yuan per gram [1][2] - The Shanghai Gold Exchange reported a gold bar price of 1035 yuan per gram, reflecting an increase of 3.00 yuan per gram [2] - The silver prices have also seen increases, with the average price for silver bars from different sources showing rises, such as the Baoquan Coin's silver bar increasing by 1.86 yuan per gram [2][3] Group 2 - The current market for gold and silver bars is dynamic, with prices subject to real-time changes, indicating a volatile investment environment [3]

1月15日金融一线消息，Visa今日宣布支持中国持卡人 ApplePay绑卡。Visa将与Apple一起，支持中国持 卡人将Visa卡绑定至ApplePay，并在境外的线下商户、移动app或线上网站等多种场景进行支付。目 前，全球79%的线下交易来自"一拍即付"。 Visa中国区总裁尹小龙表示："全球数字支付飞速发展的同时，消费者对基于手机的、互联互通的移动 支付方式的需求也与日俱增。一直以来，Visa致力于为中国持卡人提供多元的支付选择，让他们无论身 处何地，都能安心自在地畅享支付之旅。此次，Visa秉持着对中国市场和持卡人长期不变的承诺，在数 据安全与支付安全领域加大投入，推出支付标记化服务并率先实现其在跨境场景的应用。我们很高兴与 Apple及金融机构携手，率先为中国持卡人带来更安全、更便捷的移动支付新体验。" 首批支持的发卡银行包括：中国工商银行、中国银行、中国农业银行、交通银行、招商银行、中信银 行、平安银行及兴业银行。Visa和Apple正在与包括上海浦东发展银行、中国建设银行、中国民生银 行、中国光大银行在内的更多银行伙伴紧密合作，相关功能将于未来陆续上线。 责任编辑：王馨茹 Visa中国区总裁 ...

Core Viewpoint - The 2025 China Enterprise ESG "Golden Responsibility Award" aims to recognize companies and institutions that have made significant contributions to ESG initiatives in China, reflecting a shift from voluntary practices to compliance requirements in ESG performance [1][18]. Group 1: Award Categories and Winners - The award includes ten categories: Best Environmental Responsibility Award, Best Social Responsibility Award, Best Corporate Governance Responsibility Award, Best Responsibility Initiative Award, Annual Sustainable Development Award, Best Responsible Investment Bank Award, Best Responsible Investment Securities Company Award, Best Responsible Investment Insurance Company Award, Best Responsible Investment Fund Company Award, and Best Responsible Investment Asset Management Institution Award [1][18]. - The Best Environmental Responsibility Award winners include: Sungrow Power Supply, Industrial Fulian, Kweichow Moutai, Geely Automobile, Haier Smart Home, Hisense Visual Technology, Linyang Electronics, Tongwei Co., Weichai Power, and Luxshare Precision [10][28]. - The Best Social Responsibility Award winners include: China Shenhua, China General Nuclear Power, China Resources Sanjiu, Sinopec, Shougang, Wuliangye, Yangtze Power, China Telecom, China Oilfield Services, and LONGi Green Energy [10][28]. - The Best Corporate Governance Responsibility Award winners include: Zijin Mining, SF Holding, ZTE Corporation, Industrial Fulian, JA Solar, Sany Heavy Industry, Nanjing Steel, Bright Dairy, TCL Zhonghuan, and Fuyao Glass [10][28]. - The Best Responsibility Initiative Award winners include: FiberHome Technologies, Wens Foodstuff Group, Haitian Flavoring and Food, Aier Eye Hospital, Yunnan Baiyao, Anker Innovations, Kingfa Sci. & Tech., Huatai Securities, Silex, and Hainengda [11][28]. - The Annual Sustainable Development Award winners include: China General Nuclear Power, Sungrow Power Supply, Kweichow Moutai, Contemporary Amperex Technology, Zijin Mining, Hikvision, Yili, Baosteel, Chint Electric, and China Mobile [11][28]. Group 2: Responsible Investment Awards - The Best Responsible Investment Bank Award winners include: Agricultural Bank of China, Industrial and Commercial Bank of China, China Construction Bank, China Merchants Bank, Industrial Bank, and Bank of China [11][28]. - The Best Responsible Investment Securities Company Award winners include: Guotai Junan, Everbright Securities, CITIC Securities, Huatai Securities, and CICC [12][28]. - The Best Responsible Investment Insurance Company Award winners include: China Life Insurance, China Ping An, China Pacific Insurance, China Re, Sunshine Insurance, and China Life [13][28]. - The Best Responsible Investment Fund Company Award winners include: Bosera Funds, Southern Fund, China Asset Management, Penghua Fund, Huitianfu Fund, and E Fund [14][28]. - The Best Responsible Investment Asset Management Institution Award winners include: China Life Asset Management, Huaxia Wealth Management, Xingyin Wealth Management, Taikang Asset, Taikang Asset, and Galaxy Investment [15][28]. Group 3: ESG Development Context - By 2025, China's ESG development has transitioned from "setting standards" to "strengthening regulations," with a comprehensive disclosure standard system being established [1][18]. - The ESG performance of enterprises is now a compliance requirement, linking commercial value with social value [1][18]. - The ESG rating center aims to promote sustainable development and responsible investment, enhancing the ESG performance of listed companies [17][34].

Fund Overview - The fund is named "Jiao Yin Shi Luo De Zhong Zheng A500 Index Enhanced Initiating Securities Investment Fund" and is classified as an equity securities investment fund [18] - It operates as a contractual open-end fund with an indefinite duration [18] - The initial face value of the fund shares is set at 1.00 RMB per share [18] Fund Categories - The fund offers two categories of shares: Class A and Class C. Class A shares incur subscription fees, while Class C shares do not [19][20] - Class A shares have a specific fund code (026736) and are available for subscription through direct sales channels without fees [21] - Class C shares have a different fund code (026737) and are available through other sales institutions [21] Subscription Details - The subscription period for the fund is from January 26, 2026, to February 6, 2026, with a maximum duration of three months [25] - The minimum subscription amount for direct sales institutions is 1 million RMB for the first subscription and 100,000 RMB for subsequent subscriptions, while other sales institutions accept a minimum of 1 RMB [5][33] - Investors can make multiple subscriptions during the fundraising period, and subscription fees are calculated separately for each application [5][33] Investor Requirements - Investors must open a fund account with the management company before subscribing, and only one account per investor is allowed [4] - The fund is open to individual investors, institutional investors, qualified foreign investors, and other investors permitted by law [4][21] Fund Management - The fund is managed by Jiao Yin Shi Luo De Fund Management Co., Ltd., and the custodian is Industrial and Commercial Bank of China [1] - The management company is responsible for the fund's operations and must adhere to regulatory requirements [1][54] Sales Channels - Subscriptions can be made through the management company's direct sales counter, online trading platform, and other sales institutions [3][22] - The management company may select additional qualified institutions for fund sales as per legal requirements [24] Fund Operation and Verification - The fund's effective contract will be established after meeting the necessary conditions and undergoing verification by a qualified accounting firm [50][51] - If the fundraising conditions are not met by the end of the subscription period, the management company will return the subscription funds to investors [49]