2026年春节即将来临，一批"新员工"将成为快递网点的得力干将。1月22日，北京商报记者从多位快递 从业者处获悉，为了应对年货节礼盒等重货激增以及春节经营成本高企等问题，部分快递网点投入无人 车协助快递员作业，将派件时间缩短超3小时，运输成本下降五成。无人车或将成为快递企业应对春节 压力的新解法。 当前，极兔、中通、京东物流等多家企业加速无人车的规模化应用，使用场景覆盖产业带、园区和校 园。有无人车企业预计，2026年春节期间，无人车配送将活跃于快递、商超、医药等民生行业。 江西中通南昌县二部网点的一位负责人也深有同感。他向北京商报记者表示，相比往年，今年年货节有 两个明显特点：一是峰值更平、周期更长，使得货量高峰从以往的"尖峰"变为"高原"，持续压力更大； 二是品类更杂、体积更大，生鲜年货、礼盒箱装的占比显著增加，对网点运输的承载力和灵活性提出更 高要求。 当前，各大电商平台纷纷蓄力年货节，淘天、抖音在1月初抢跑促销，京东年货节则将于1月25日20时开 启，电商年货节将贯穿整个1月。这意味着，快递网点既要迎战年货节促销高峰，还要提前规划春节期 间的人员、车辆等安排。 为了应对繁重的工作，此次年货节，江西中通 ...

多家银行表示，在办理个人消费贷款、信用卡账单分期贴息业务过程中，除贷款利息、分期业务相关息 费外，不收取其他费用。要谨防不法分子以办理贷款贴息为由实施诈骗，保障个人财产和信息安全。 财政部等三部门近日发布通知，优化实施个人消费贷款财政贴息政策。连日来，工商银行、农业银行、 中国银行、建设银行、交通银行、邮储银行等发布公告，落实个人消费贷款财政贴息政策，优化相关服 务。 多家银行表示，此次个人消费贷款财政贴息政策的升级内容包括延长政策期限，将实施期限延长至2026 年底；扩大支持范围，将信用卡账单分期业务纳入支持范围；拓展贴息领域，取消5万元及以上消费领 域限制；提高贴息标准，取消单笔消费贴息金额上限500元的要求，取消每名借款人在同一金融机构可 享受5万元以下消费贴息上限1000元的要求。 多家银行表示，自2026年1月1日起，按照优化后的贴息政策，为符合要求的个人消费贷款客户和信用卡 账单分期客户提供服务。 前期已申请贴息的贷款是否能按最新政策享受贴息？多家银行均表示，为最大程度便利客户，已完成贴 息申请的贷款无需重新签署贴息协议，自2026年1月1日起发生的消费交易，将自动适用最新财政贴息政 策。 与此同 ...

特殊关怀送到家，金融温情不止步。各支行成立"暖冬服务小分队"，对行动不便的老年客户及特殊群体 建立专属服务档案，提供业务上门办理等贴心服务。寒潮期间，一位老年客户因养老卡激活业务不便出 门，支行员工主动上门为其办理，以实际行动践行"百姓身边的银行"的服务承诺。 信贷支持显温度，精准帮扶暖人心。针对受寒潮影响较大的农业种植户、养殖户、小微商户等客户群 体，该行主动开展电话对接与实地走访，提前了解客户资金需求与还款能力。对因天气原因暂时还款困 难的客户，提供"无还本续贷"等便捷续贷服务，通过内部高效协同实现快速审批，切实缓解客户短期资 金压力，助力客户平稳度过寒潮期。 网点服务有保障，安全便捷不打折。各营业网点提前组织员工清扫门前积雪，铺设防滑垫、投放融雪 剂，全面做好营业场所及客户通道的防滑安全处理。在营业厅内设置"暖冬服务区"，提供热水、姜茶、 应急药品及手机充电等服务。同时加强线上渠道宣传引导，鼓励客户通过手机银行、网上银行办理业 务，减少出行风险。 齐鲁晚报.齐鲁壹点通讯员吴力峰 近日，临沂市迎来了今冬首轮强降温及降雪天气。邮储银行（601658）临沂市河东区支行迅速启动应急 预案，以"信贷有温度、服务有 ...

据央视财经，近日，工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行均已发布公告， 落实个人消费贷款财政贴息政策优化相关服务。具体来看： 编辑：朴丽娜 责编：赵一凡 一是将个人消费贷款财政贴息政策实施期限延长至2026年12月31日。 二是扩大支持范围，将信用卡账单分期业务纳入支持范围。 三是拓展贴息领域，取消单笔5万元及以上消费领域限制。 四是提高贴息标准，取消单笔消费贴息金额上限500元的要求，取消每名借款人在一家经办机构可 享受5万元以下累计消费贴息上限1000元的要求。 针对前期已签署《个人消费贷款财政贴息服务协议》的贷款，多家银行解答称，在2026年1月1日后发生 的消费，将自动适用最新财政贴息政策，无需重新签署协议。 来源：央视财经 原标题：《工、农、中、建、交、邮储，六大行集体公告！》 ...

"信用卡也可以享受贴息了！"近日，不仅个人消费贷款贴息政策期限延长了，信用卡账单分期同样被纳入贴息范围中。 对于不会特意申请某款消费贷产品、更多通过信用卡预支一定金额消费的群体来说，这次的优化政策将使信用卡分期成为他们的首选。 多家经办银行已在各渠道发布公告，详细介绍有关个人消费贷款贴息服务的具体细节，并就"如何申请信用卡账单分期贴息"问题作出解 答。 贴息标准提高、期限延长 中国工商银行 在《个人消费贷款财政贴息服务协议》中详细列明了贴息范围——家用汽车领域包括汽车购置、车辆保险及维修；养老生育 领域包括老龄人口或其子女购买的家庭适老化改造服务、养老机构和养老社区服务，托育、辅助生育消费等；教育培训领域包括资格证书 培训考试、高等学历继续教育等；文化旅游领域支持消费者通过具备资质的旅行机构购买国内旅游出行服务；家居家装领域包括家庭装 修、家用电器、厨卫用品、家具等；电子产品领域包括购买手机、平板、个人电脑、智能穿戴设备等；健康医疗领域包括牙齿矫治、视力 矫正、健康管理等。 中国建设银行 则专门开设了"消费金融专项行动专区"，此前曾推出"超值权益与贴心好礼"发放活动，包括"支用金额达标可得25元礼 券"等。 ...

Core Viewpoint - The article discusses the implementation of the latest fiscal interest subsidy policy for personal consumption loans by six major state-owned banks in China, following the announcement by the Ministry of Finance, the People's Bank of China, and the Financial Regulatory Bureau [2]. Group 1: Policy Optimization - The Industrial and Commercial Bank of China (ICBC) outlines four main areas of optimization for the subsidy policy: extending the policy period to the end of 2026, including credit card installment payments in the support scope, removing the restriction on consumption fields above 50,000 yuan, and raising the subsidy standards by eliminating the 500 yuan cap on single transaction subsidies and the 1,000 yuan cap for individual borrowers at the same financial institution [4]. Group 2: Implementation Details - China Construction Bank states that customers must sign a service agreement to enjoy the fiscal subsidy, allowing the bank to access transaction information to identify eligible consumption transactions. The subsidy amount will be automatically deducted from the interest due on the loan during repayment. If transactions are not automatically recognized, customers can submit receipts for manual verification [5]. - Bank of China mentions that loans already approved for subsidies will not require a new agreement, and transactions from January 1, 2026, will automatically apply the new subsidy policy [5]. - Agricultural Bank of China warns that fraudulent activities related to subsidy claims will not be subsidized, and any previously granted subsidies may be deducted or reclaimed [5]. - The Bank of Communications emphasizes adherence to market-oriented and legal principles for eligible loans and credit card installments, with violations affecting credit records and subject to legal consequences [6]. - Postal Savings Bank clarifies that no additional fees will be charged for personal consumption loans beyond the agreed interest, and any fees collected under false pretenses are considered fraud [6].

Group 1 - The core viewpoint of the news is that major Chinese banks have announced the implementation of an optimized personal consumption loan subsidy policy, extending its benefits and expanding its scope [1][2][3] Group 2 - The implementation period for the personal consumption loan subsidy policy has been extended to December 31, 2026 [1] - The support scope has been expanded to include credit card bill installment services [1] - The subsidy field has been broadened by removing the restriction on single transactions of 50,000 yuan and above [2] - The subsidy standards have been improved by eliminating the 500 yuan cap on single transaction subsidies and the 1,000 yuan cumulative subsidy limit for borrowers at a single institution [2] - Existing loan agreements signed under the previous subsidy policy will automatically apply the new subsidy terms for transactions occurring after January 1, 2026, without the need for re-signing [2]

三是拓展贴息领域，取消单笔5万元及以上消费领域限制。 四是提高贴息标准，取消单笔消费贴息金额上限500元的要求，取消每名借款人在一家经办机构可享受 5万元以下累计消费贴息上限1000元的要求。 近日，工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行均已发布公告，落实个人消费 贷款财政贴息政策优化相关服务。具体来看： 一是将个人消费贷款财政贴息政策实施期限延长至2026年12月31日。 二是扩大支持范围，将信用卡账单分期业务纳入支持范围。 针对前期已签署《个人消费贷款财政贴息服务协议》的贷款，多家银行解答称，在2026年1月1日后发 生的消费，将自动适用最新财政贴息政策，无需重新签署协议。 来源｜央视新闻 编辑 ｜ 钉钉 ...

Core Viewpoint - Major Chinese banks have announced the implementation of an optimized personal consumption loan subsidy policy, extending its duration and expanding its scope to support consumer spending [1] Group 1: Policy Implementation - The implementation period for the personal consumption loan subsidy policy has been extended to December 31, 2026 [1] - The scope of support has been expanded to include credit card installment payment services [1] Group 2: Subsidy Expansion - The subsidy field has been broadened by removing the restriction on single transactions of 50,000 yuan and above [1] - 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 for cumulative subsidies under 50,000 yuan per borrower at a single institution [1] 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 [1]

Core Viewpoint - The Postal Savings Bank of China Hunan Branch has launched a comprehensive promotional campaign to implement the People's Bank of China's one-time credit repair policy, aimed at helping eligible customers understand and benefit from credit repair rights, thereby enhancing the inclusiveness and people-oriented nature of financial services [1][5] Group 1: Policy Implementation - The credit repair policy applies to personal overdue information with a single amount not exceeding 10,000 RMB, for the period from January 1, 2020, to December 31, 2025. Individuals who fully repay overdue debts by March 31, 2026, will have their overdue information not displayed in the financial credit information database, providing a valuable opportunity for credit reconstruction for those affected by economic downturns [1][5] Group 2: Promotional Activities - The Hunan Branch has implemented ten specific measures, including brochures, video broadcasts, dedicated service counters, hotlines, community activities, social media sharing, data organization, SMS reminders, service tracking, and news promotion, to create a comprehensive online and offline promotional service system, significantly improving policy awareness and processing convenience [3][7] - Since the campaign began, over 150,000 promotional brochures have been printed and distributed, 105 credit repair themed promotional events have been organized, and 3,571 consultations have been received [3][7] Group 3: Community Engagement - Local branches actively engaged in grassroots outreach, conducting promotional activities in communities and business districts. For instance, the Hengyang Branch held a community event to explain the policy and answer questions, while the Xiangtan Branch educated tobacco merchants on credit impacts and repair processes [3][7] - The Chenzhou Branch's party member team visited rural towns to reveal the risks of "paid repair" scams and promote the conditions for credit repair and the "no application required" benefits [3][7] Group 4: Online Outreach - Various branches utilized mainstream media and online platforms to effectively communicate policy details. The Loudi Branch participated in a television interview to explain the applicable scope and processing procedures, while multiple branches published 32 articles in major media outlets to enhance the policy's credibility and reach [4][8] Group 5: Customer Support and Future Plans - Since the policy's implementation, the Hunan Branch has proactively contacted eligible overdue customers to assist in credit repair while also providing anti-fraud warnings. For example, a customer in Yueyang successfully obtained a 300,000 RMB consumer loan after credit repair assistance, while another customer in Zhangjiajie avoided scams by understanding the policy's free and no-application-required features [4][9] - Moving forward, the Hunan Branch plans to deepen collaboration with local governments, regulatory bodies, communities, and media to enhance information sharing and joint promotional mechanisms, further expanding policy outreach and service effectiveness to support market entities and maintain financial stability [5][9]