Group 1 - The core viewpoint of the news is that the Bank of Communications has been approved to acquire a rural bank and convert it into a branch, marking the first case of a state-owned bank's "village to branch" transformation in the new year and the tenth case since last year [1][2] - The approval from the Zhejiang Regulatory Bureau allows the Bank of Communications to acquire the Anji Jiaoyin Rural Bank and establish multiple branches, taking over its assets, liabilities, and employees [2][3] - The Bank of Communications currently controls four rural banks, with recent acquisitions including the Dayi Jiaoyin Xingmin Rural Bank and the Qingdao Laoshan Jiaoyin Rural Bank, indicating a trend of consolidation among state-owned banks [3] Group 2 - The reform of small and medium-sized financial institutions is accelerating, with over 450 small banks expected to exit the market by 2025, including more than 280 rural banks, particularly in regions like Inner Mongolia, Shandong, and Hubei [1][4][5] - In the first half of 2025, there has been a significant increase in the number of rural banks approved for mergers, dissolutions, or cancellations, with 65 cases reported in just half a month, nearing ten times the number from the same period in 2024 [4][5] - The restructuring of rural banks is part of a broader strategy to optimize the financial institution system, focusing on quality improvement rather than just reduction, as emphasized by industry experts [5]

2026.01. 12 本文字数：2022，阅读时长大约4分钟 作者 | 第一财经 亓宁 日前，交通银行获批收购旗下一家村镇银行并改建，成为新年国有大行"村改支"第一例，也是去年 以来国有大行推进旗下村镇银行"村改支"的第十例。2025年以来，除交通银行外，工商银行、农业 银行也已开始对旗下村镇银行推进"村改支"。 多位业内受访人士认为，随着中央经济工作会议定调中小金融机构"减量提质"，年内中小银行改革 化险还会加速推进，重组合并仍是主流模式。数据显示，2025年有450多家中小银行退场，其中 280多家是村镇银行，内蒙古、山东、湖北等地减量最多。 按照2025年上半年持股情况来看，安吉交银村镇银行只是交通银行控股的4家村镇银行之一。此前 2025年8月，交通银行获批受让8家企业法人持有的大邑交银兴民村镇银行2.71%股权，由此实现了 对大邑交银兴民村镇银行的100%控股；2025年9月，交通银行获批收购青岛崂山交银村镇银行，并 设立交通银行青岛国金中心支行、王哥庄支行、北宅支行、沙子口支行、金家岭支行。 相比之下，工商银行是更早推进旗下村镇银行"村改支"的国有大行。2025年6月，金融监管总局江 津监管分局 ...

Group 1 - The core viewpoint of the articles is the ongoing restructuring of rural banks into branch banks by state-owned banks, with the recent acquisition by Bank of Communications marking the tenth instance of this initiative since last year [1][2][3] - Bank of Communications has received approval to acquire Anji Jiaoyin Rural Bank and establish multiple branches, indicating a strategic shift towards consolidating rural banking operations [2][3] - The trend of restructuring is part of a broader effort to enhance the quality of small financial institutions, with over 450 small banks expected to exit the market by 2025, predominantly rural banks [1][4] Group 2 - In 2025, 454 small banks were approved for mergers, dissolutions, or business cancellations, with rural banks accounting for over 60% of this figure [5] - The regions with the highest number of rural bank exits include Inner Mongolia, Shandong, and Hubei, highlighting significant regional disparities in the banking landscape [5] - Experts emphasize that while reducing the number of small financial institutions is necessary, improving their quality is the ultimate goal, necessitating effective measures to prevent the emergence of high-risk institutions [5]

截至1月12日9点13分，黄金价格再续涨势，现货黄金首次站上4600美元大关，日内涨超2%，新年首月累计上涨280美元。 黄金价格呈现持续上涨态势，同时交易风险陡增。中国银行、工商银行两家国有大行，接连发布相关黄金交易提示或规则调整，提醒投资者注意风险。 | 腾讯理财通 | | | 0 | | --- | --- | --- | --- | | 直金专区 | | | | | 避险抗通胀,长期配黄金 | | | | | 金价到达提醒价位通知你 | | | 订阅提醒 | | 国内现货 国际现货 | | 黄金实物 | | | 品牌 银行 | 回收 | | | | 品牌 | | 价格(元/克) 日涨跌幅 | | | 周大福 | | 1426 | +1.42% | | 老凤祥 | | 1428 | +2.07% | | 周六福 | | 1411 | +1.44% | | 周生生 | | 1429 | +1.35% | | 六福珠宝 | | 1424 | +1.42% | | 我支撑 | | 1424 | +1.42% | | 老庙 | | 1429 | +1.56% | 截图时间：2026年1月12日 银行积存金业务因 ...

Core Viewpoint - The banking industry has initiated a new round of "asset enhancement battles" in the retail sector, with some banks offering rewards exceeding 3,000 yuan. Retail AUM (Assets Under Management) is now seen as a key indicator of a bank's competitive strength and future profitability. The phenomenon of customers frequently switching banks for short-term incentives indicates that short-term activities fail to create long-term customer loyalty. To effectively enhance retail AUM, banks need to abandon short-term thinking and focus on building comprehensive capabilities centered around professional services and long-term trust [1][23][41]. Group 1: Asset Enhancement Activities - Multiple banks have launched new "asset enhancement activities" at the beginning of the year, allowing customers to earn points and benefits by meeting certain criteria. This includes major state-owned banks like ICBC, ABC, BOC, and CCB, with rewards such as 240,000 "small beans" convertible to over 3,790 yuan in JD E-cards for qualifying customers [2][24]. - Agricultural Bank of China has announced that from January 1 to January 31, customers can earn up to 600 million exclusive points if their average financial assets increase by 10,000 yuan or more [5][27]. - Nanjing Bank and other city commercial banks have also introduced similar activities, with Nanjing Bank offering 1,000 comprehensive points for every 10,000 yuan increase in average financial assets, with a maximum of 80,000 points per month [6][28]. Group 2: Market Dynamics and Challenges - The current "asset enhancement battle" reflects a tactical "New Year rush" and a strategic shift in the banking sector, driven by the need to adapt to changing interest rate environments. Retail AUM has become a critical measure of a bank's competitive edge and future profitability [9][31]. - The phenomenon of customers switching banks for incentives highlights two major challenges: the superficial nature of customer relationships ("high flow, low retention") and the lack of differentiation in service offerings, which makes it difficult to establish long-term trust [17][39]. - The "sheep shearing" phenomenon, where customers exploit short-term incentives, indicates a lack of customer loyalty and reveals weaknesses in banks' customer relationship management strategies [11][40]. Group 3: Recommendations for Improvement - To effectively enhance retail AUM, banks should shift from short-term activity thinking to a focus on professional services and long-term trust. This includes transitioning from product sales to asset allocation, integrating financial services with everyday life, and implementing refined customer segmentation and operations [19][41]. - Banks should strengthen their investment advisory capabilities to transition from merely selling products to providing comprehensive asset management solutions, thereby building a "moat" around their services [20][42]. - Digital transformation should evolve from being a mere outreach tool to empowering an ecosystem that enhances customer engagement and retention, creating a complete service loop that turns short-term activity flows into long-term customer relationships [21][43].

21世纪经济报道记者 叶麦穗 排排网财富研究员隋东表示，黄金、白银价格创新高主要受三方面资金推动：一是以中国央行为代表的全球央行持续购金，为价格提供底部支 撑；二是机构投资资金，如黄金ETF大幅流入和对冲基金增持非商业净多头，直接推升短期行情；三是产业与零售资金，包括光伏企业囤积白 银以及散户、高净值人群积极配置实物金银，共同助力价格上行。 贵金属市场开年强势上扬。 1月12日，现货黄金首次站上4600美元大关，盘中最高触及4600.79美元/盎司（截至北京时间17时，下同），今年以来累计涨幅高达6%。白银 表现更为亮眼，当日同步刷新高位，盘中最高触及84.596美元/盎司，今年以来涨幅超18%，在大类资产中，涨幅"遥遥领先"。 多路资金涌入黄金ETF 东方金诚研究发展部高级副总监瞿瑞、东方金诚研究发展部高级副总监白雪在接受记者采访时表示，1月12日，黄金、白银价格双双创新高， 或源于美国司法部向就美国联邦储备委员会华盛顿总部翻修相关事宜，对美联储主席鲍威尔启动刑事调查。市场对美联储独立性的担忧再起， 美元指数、美股期指随之走弱，进而导致国际黄金、白银价格再创新高。 黄金的赚钱效应，也吸引到资金的围猎。同花顺 ...

新浪财经ESG评级中心提供包括资讯、报告、培训、咨询等在内的14项ESG服务，助力上市公司传播ESG理念，提升ESG可持续发展表现。点 击查看【 ESG评级中心服务手册】 在全球可持续发展浪潮席卷而来的当下，ESG（环境、社会、公司治理）已成为衡量企业高质量发展的核心标尺，更是连接企业价值与社会价值的关键纽 带。随着国内ESG生态体系的加速完善，政策监管持续收紧、资本市场对ESG表现的关注度不断飙升，企业的可持续发展能力愈发成为其核心竞争力的重 要组成部分。 在此行业背景下，新浪财经重磅发布"2025中国企业ESG百强"榜单。该榜单依托新浪财经专业的ESG评级体系，以5000余家A股上市公司及在港上市内地 企业为评价对象，创新性搭建18套行业ESG评价模型，纳入150余项ESG指标，通过量化模型综合演算，对企业ESG表现进行全面、客观的综合评价，最 终筛选出中国ESG实践的标杆企业。榜单不仅为行业树立了发展典范，更为投资者提供了极具参考价值的决策依据。 工商银行在环境、社会、公司治理领域开展了大量工作，积累了丰富的创新实践与扎实的落地成果。凭借在ESG各领域的卓越表现，工商银行成功入选本 次新浪财经"2025 ...

从资金流向上来看，当日国有大型银行板块主力资金净流入5.44亿元，游资资金净流出4.09亿元，散户资 金净流出1.34亿元。国有大型银行板块个股资金流向见下表： 证券之星消息，1月12日国有大型银行板块较上一交易日上涨0.76%，农业银行领涨。当日上证指数报收 于4165.29，上涨1.09%。深证成指报收于14366.91，上涨1.75%。国有大型银行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 601288 | 农业银行 | 7.52 | 1.48% | 344.00万 | 25.59亿 | | 601658 | XD邮储银 | 5.34 | 0.75% | 146.17万 | 7.78亿 | | 601988 | 中国银行 | 5.53 | 0.73% | 261.57万 | 14.37亿 | | 666109 | 建设银行 | 9.11 | 0.55% | 118.58万 | 10.74亿 | | 601328 | 交通银行 | 7.10 | 0.42% | 14 ...

Core Insights - The article highlights the successful implementation of innovative financial products, specifically the "Mold Loan," which has provided significant funding to aluminum profile companies in Anyi County, thereby alleviating financing difficulties for these enterprises [2][7]. Group 1: Financial Support and Innovations - The Industrial and Commercial Bank of China provided 5 million yuan, while the China Construction Bank offered 3 million yuan to local aluminum companies, marking a significant financial boost for the sector [2]. - The "Mold Loan" product is part of a broader initiative to empower the real economy through data-driven financial solutions, addressing the financing challenges faced by small and medium-sized enterprises [6][7]. Group 2: Data Empowerment and Collaboration - Anyi County is focused on a "data empowers industry" strategy, enhancing collaboration among various departments to promote the "Mold Loan" product and understand the financing needs of local businesses [6]. - The establishment of the Nanchang City Trusted Data Space platform has enabled the transformation of intangible data into quantifiable financial assets, facilitating better credit assessments for enterprises [7]. Group 3: Efficiency and Growth - The use of the Trusted Data Space has significantly reduced the credit assessment period by nearly 70% compared to traditional lending processes, allowing for quicker access to funds for businesses [8]. - The timely funding has helped companies optimize their mold assets and overcome financial bottlenecks related to capacity expansion, technological upgrades, and equipment renewal, thus supporting the transformation and upgrading of the aluminum profile industry [8].

Group 1 - The ranking of the world's most profitable banks in 2025 shows that the top four positions are held by Chinese banks, with Industrial and Commercial Bank of China (ICBC) at the first place, followed by China Construction Bank (CCB), Agricultural Bank of China (ABC), and Bank of China (BOC) [1] - Among the top 10 banks globally, six are from China, and in the top 20, there are ten Chinese banks, indicating a significant presence in the global banking sector [3] - Chinese banks accounted for 25% of the total profits of over 11 trillion yuan generated by the world's top 1000 banks, amounting to approximately 2.6 trillion yuan [3] Group 2 - China's total bank savings have surpassed 80 trillion yuan, which is higher than the combined savings of the United States, Germany, and Japan, showcasing a leading savings rate [4] - The trend of high savings has led to challenges for banks, as the lack of loan demand affects profitability, prompting a continuous decline in interest rates [4] - The one-year fixed deposit rate has fallen below 1%, and the five-year rate has dropped to 1.3%, indicating a shift in the banking landscape [4] Group 3 - Since 2010, China has experienced two significant rounds of deposit "migration" and one round of deposit return, influenced by the growth of the asset management industry and regulatory changes [5] - From 2018 to 2023, the introduction of new regulations and market conditions led to a rebound in resident deposit growth, reaching 20% by 2023 [7] - As of 2024, with declining deposit rates and a recovering capital market, a new wave of deposit migration is expected, with a projected 30 trillion yuan in fixed deposits maturing [8] Group 4 - Many depositors are shifting their funds into bank wealth management products, with the scale of these products exceeding 32 trillion yuan by the third quarter of 2025 [8] - The average annualized return of alternative products, such as "Stable Profit Treasure," is reported at 2.32%, attracting younger investors [8] - The ongoing trend of wealth diversification in a low-interest-rate environment emphasizes the need for individuals to enhance their financial literacy and adapt their investment strategies [10]