| 序号 | APP名称 | 2025年平均MAU (万) | | --- | --- | --- | | 1 | 中国农业银行 | 24902.8 | | 2 | (5G) 中国工商银行 | 19419.3 | | 3 | 中国建设银行 | 10850.3 | | ব | 0 中国银行 | 8881.6 | | 5 | 邮储银行 | 5324.4 | | 6 | 交通银行 | 3438.9 | 据经济观察报-经济观察网 艾瑞咨询发布的《2025年中国手机银行APP监测报告》显示，中国手机银行月度总独立设备数在6.48亿至7.39亿区间波动后筑底企 稳，用户规模天花板显现。流量红利期终结，行业逻辑从增量获取全面转入存量提升。 伴随规模见顶，用户行为发生结构性变化，单机单日有效使用时长 从2023年的4.9分钟降至2025年中的2.7分钟左右，随后稳定在约3分钟，高频、短时、功能型使用成主流。这促使金融机构精简流程，聚焦核心交易场景。 ...

据经济观察报-经济观察网 2025年，中国手机银行市场进入存量竞争阶段，月度总独立设备数在6.48亿至7.39亿区间筑底企稳。国有大型商业银行凭借生态 嵌入优势占据主导地位，农业银行以2.49亿MAU位居榜首，工商银行(1.94亿)和建设银行(1.09亿)位列第二、三位，形成第一梯队。中国银行和邮储银行 MAU超过5000万，构成第二梯队。国有大行的核心优势在于"全域场景融合"能力，将服务深度嵌入政务、社保、医疗、教育等高频生活场景。农行通过智 能服务匹配与客群定制延伸至县域与乡村，工行则依托"工小智"大模型实现"对话式办理"的交互革命。相比之下，民营银行在2025年集体退出月活TOP50榜 单，因缺乏线下网点支撑和本地生活生态，在存量市场中失去竞争力。股份制银行中，招商银行以7185.4万MAU领先，平安银行和中信银行构成第二梯 队，而其他股份制银行MAU普遍低于2000万。区域银行中，深耕本地的江苏银行、北京银行和宁波银行表现稳定，福建农信等农商行MAU突破450万，证 明本地化深耕在存量市场中更具可持续性。 | 序号 | APP名称 | 2025年平均MAU (万) | | --- | --- | -- ...

作者 胡群 艾瑞咨询发布的《2025年中国手机银行APP监测报告》指出，中国手机银行市场的月度独立设备数在6.48亿至7.39亿之间波动后趋于稳定，标志着用户规模 增长已触及天花板。长达十余年的流量红利期正式结束，行业从追求用户数量转向提升用户质量，传统的粗放式获客模式不再适用。 随着用户规模达到峰值，用户的使用习惯也发生了显著变化。用户单次使用时长由2023年平均4.9分钟缩短至2025年年中约2.7分钟，并在下半年稳定在这一 水平，显示出用户更倾向于高频次、短时间、功能导向的使用模式。这一转变迫使金融机构优化服务结构，去除冗余功能，简化操作流程，将资源聚焦于核 心交易场景。 国有大型商业银行凭借庞大的客户基础和全面的生态布局，进一步巩固了其市场主导地位。六大国有行全部跻身MAU前十，其中农业银行以2.49亿MAU领 跑，工商银行和建设银行紧随其后，形成稳固的第一梯队。中国银行和邮储银行构成第二梯队，MAU均超过5000万。 国有大行的核心竞争力在于"全场景融合"能力。它们不仅提供金融服务，还深度融入政务、社保、医疗、教育等民生领域。例如，农业银行通过智能技术拓 展县域乡村服务，工商银行借助大模型实现交互方 ...

Core Viewpoint - The appointment of Lu Wei as the new president of Postal Savings Bank marks a significant shift in the leadership dynamics of state-owned banks in China, as he is the first leader to transition directly from a joint-stock bank, breaking the traditional internal promotion or external appointment model [2] Group 1: Appointment Significance - Lu Wei's appointment is a groundbreaking attempt to bridge the talent flow between state-owned banks and joint-stock banks, which has historically faced "invisible barriers" [2] - His career trajectory reflects a strong background in the "CITIC system," having risen through the ranks of CITIC Bank and later serving as chairman of CITIC Trust, showcasing his management capabilities and adaptability [2][3] Group 2: Qualifications and Challenges - Lu Wei's international background and professional qualifications, including a master's degree in accounting from Deakin University and CPA certifications from China, Hong Kong, and Australia, are seen as key factors in his selection, especially as Postal Savings Bank pushes for retail transformation and international expansion [3] - The bank faces challenges such as narrowing interest margins and asset quality pressures, with a non-performing loan ratio of 0.94% as of September 2025, while net profit growth has slowed to 0.98% [3] Group 3: Transformation and Strategy - Postal Savings Bank, known for its "inclusive finance" label, has a vast network of nearly 40,000 outlets, which presents both an advantage and higher operational costs; its asset scale reached 18.61 trillion yuan with an 8.9% year-on-year growth, but revenue growth was only 1.82% [4] - Lu Wei's management team will need to align with his strategic direction, particularly in technology and customer management, raising questions about the potential introduction of market-oriented incentive mechanisms [4] Group 4: Industry Implications - This personnel adjustment signals a diminishing "gatekeeping" mentality in the selection of senior executives at state-owned banks, emphasizing professional competence and cross-institutional experience [5] - Lu Wei's appointment presents both opportunities and challenges for Postal Savings Bank, as he must balance the bank's policy-driven mission with market demands, potentially setting a new paradigm for executive selection in other state-owned banks [5]

国家知识产权局信息显示，中国邮政储蓄银行股份有限公司申请一项名为"基于日批无感数据的更新方 法、装置与电子设备"的专利，公开号CN121524192A，申请日期为2025年11月。 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。 专利摘要显示，本申请提供了一种基于日批无感数据的更新方法、装置与电子设备。该方法包括：获取 原数据库中的待更新数据，对待更新数据添加主键信息，得到待更新处理数据；对待导入数据库的连接 信息中的密码密文进行解密处理，以连接待导入数据库，构建原数据库的临时表，将待更新处理数据导 入至临时表中；将临时表中的待更新处理数据对应导入待导入数据库的影子表中，并对影子表与临时表 中的待更新处理数据进行完整性校验处理，在完整性校验处理通过的情况下，将视图指向切换至待导入 数据库的影子表，并将影子表转换为实体表，以完成待更新处理数据的更新。解决了现有技术在数据同 步过程中难以保证交易的连续性和数据的无感更新的问题。 天眼查资料显示，中国邮政储蓄银行股份有限公司，成立于2007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9916107.6 ...

Core Insights - Postal Savings Bank of China (PSBC) is focusing on expanding inclusive small loans to support local businesses, particularly in the agricultural and seafood markets, thereby promoting the development of the real economy [1][3][4] Group 1: Business Impact - PSBC's Taiyuan branch has effectively addressed the funding challenges faced by small merchants in the Wulongkou Seafood Market, which is a key distribution center for fresh produce [1][3] - The bank has simplified its loan approval process and improved disbursement efficiency, allowing funds to reach businesses quickly [1][3] Group 2: Success Stories - A merchant named Yao Qihu, who has been in the garlic and ginger wholesale business since 2000, increased his annual sales from 10 million to 50 million yuan after receiving loans totaling 2.57 million yuan from PSBC [3] - Wang Wentao, a fruit wholesaler, plans to apply for a loan of 1 to 2 million yuan, benefiting from the bank's efficient service and agricultural subsidy policies [3] - Li Shengmei, who has been in the seafood industry for over 20 years, received a credit line of 1 million yuan from PSBC, which helped expand her business [4] Group 3: Financial Services - PSBC has provided credit to 300 merchants in the Wulongkou Seafood Market, with a total credit amount of 60 million yuan, significantly alleviating their financial pressures [6] - The bank offers tailored financial service solutions, including "rent loans" and "industry loans," aligning with national policy to reduce financing costs for merchants [6] - PSBC has implemented a digital platform for online loan applications, enhancing approval efficiency and providing a comprehensive suite of financial services, including deposits and payment solutions [6]

Investment Rating - The report maintains a "Recommended" rating for the banking sector, highlighting its high dividend and low valuation attributes that continue to attract long-term capital [5]. Core Insights - The banking sector is experiencing a significant contribution from government bonds to social financing growth, with a notable increase in government bond issuance in January 2026 [5]. - The report indicates that while social financing has increased year-on-year, the growth rate has decreased compared to the previous month, primarily due to weaker RMB loans and fluctuating demand from the real economy [5]. - The capital market's activity is driving a "deposit migration" process, as increased market engagement leads to higher liquidity in the banking sector [5]. Summary by Sections Banking Industry - In January 2026, new social financing reached 7.22 trillion yuan, an increase of 165.4 billion yuan year-on-year, with government bonds being the main contributor [5]. - RMB loans increased by 4.9 trillion yuan, which is a decrease of 319.4 billion yuan year-on-year, influenced by demand fluctuations and debt restructuring [5]. - The report notes that short-term loans in the real sector have increased, while medium and long-term loans remain weak, particularly in the real estate sector, which saw a 28.5% decline in sales for major developers [5]. Market Activity - The report highlights that M1 and M2 growth rates are at 4.9% and 9% respectively, indicating an increase in liquidity [5]. - Financial institutions' RMB deposits increased by 9.9% year-on-year, with a monthly increase of 8.09 trillion yuan, driven by both household and corporate deposits [5]. - The report emphasizes the role of an active capital market in attracting deposits, with a 58% increase in average daily trading volume in January [5].

行业周报 · 银行行业 央行关注存款搬家，2025Q4 银行业净利增速回正 —— 银行业周报（2026.02.09-2026.02.15） 2026 年 02 月 14 日 核心观点 银行行业 | | | 分析师 张一纬 ：010-80927617 ：zhangyiwei_yj@chinastock.com.cn 分析师登记编码：S0130519010001 研究助理：袁世麟 ：yuanshilin_yj@chinastock.com.cn 相对沪深 300 表现图 2026 年 02 月 13 日 -20% -10% 0% 10% 20% 30% 2025/2/14 2025/3/14 2025/4/14 2025/5/14 2025/6/14 2025/7/14 2025/8/14 2025/9/14 2025/10/14 2025/11/14 2025/12/14 2026/1/14 SW银行 沪深300 资料来源：中国银河证券研究院 相关研究 www.chinastock.com.cn 证券研究报告 请务必阅读正文最后的中国银河证券股份有限公司免责声明 ⚫ 银 行 板 块 表 现弱于市 场 ：本 周 ...

近日，在市规划自然资源委海淀分局与区内金融机构的通力协作下，海淀区首批不动产登记自助打证与 查询设备在中国邮政储蓄银行首体南路支行正式"上岗"。办事群众在办理金融业务的同时，即可完成全 市范围内不动产权证书及登记证明的自助打印与全市联网的不动产登记信息查询，标志着海淀区在深 化"不动产登记+金融"延伸服务、构建便民服务网络上迈出了坚实一步。 此举是响应北京市关于拓展不动产自助服务至金融机构网点工作部署的具体实践，旨在将登记服务延伸 至群众"家门口"，为打造"15分钟不动产登记服务圈"提供关键节点支撑。 导 读 01 深化全程网办，延伸服务触角 随着不动产登记全程网办改革向纵深推进，群众办事模式已实现从"窗口现场办"到"线上自主办"的根本 性转变，线上渠道成为政务服务的主阵地。2025年，我区个人存量房转移登记全程网办率突破 59.13%，抵押/解押登记业务网办率达75%，"数据跑路"取代"群众跑腿"成为服务新常态。在此背景下， 群众对就近获取纸质凭证、现场查询信息等需求日益增强。为切实回应这一需求，海淀分局积极落实上 级部署，以银行网点为服务延伸点，推动自助服务终端进驻金融机构。通过与中国邮政储蓄银行西城区 ...

春节即将来临，孩子们非常期待收到压岁钱。多家银行敏锐捕捉到这一热点，在春节期间推出压岁钱专 属产品，通过存款利率上浮、赠送权益等方式吸引客户。 业内人士认为，压岁钱专属产品既有利于缓解银行揽储压力，也可通过场景金融，深化客户的品牌认 知，增强客户黏性。看似不起眼的"小"压岁钱，撬动的是儿童金融与家庭财富管理的大市场。 多家银行推出压岁钱相关产品 记者走访银行网点发现，多家银行围绕儿童压岁钱推出了特色产品。 01 北京银行 北京银行推出了儿童专属银行卡——"小京卡"。（18岁以下可办理） 客户通过"小京卡"办理三年期定期存款，利率可达1.75%，较该行同期限一般存款利率有一定的上浮。 而且，"小京卡"相关存款产品的起存金额仅为1000元，较为灵活方便。 02 小俊的妈妈李女士表示，对于银行推出的压岁钱专属产品很满意，这类产品既有助于培养孩子的储蓄习 惯，也能带来一定的利息收益。 发力儿童金融增强客户黏性 对于压岁钱专属产品，业内人士认为，这既是银行应对揽储压力的营销手段，也是挖掘场景金融、增强 客户黏性的重要工具。 工商银行 工商银行内蒙古赤峰市某网点的客户经理表示，该行针对儿童压岁钱储蓄推出了"宝宝卡"。（1 ...