春节刚过，当孩子们还在盘算着如何"支配"刚刚到手的压岁钱时，嗅觉敏锐的金融机构已经掀起了一场 针对未成年客群的"压岁钱争夺战"。 农商行也针对压岁钱推出了定制产品。北京农商行推出的"阳光宝贝卡"专属储蓄产品，一年期、两年 期、三年期年利率分别为1.5%、1.6%和1.75%，较该行同期限定期存款挂牌利率分别上浮35、40和45个 基点。 早在数年前，多家银行便已布局压岁钱相关金融业务。今年，一个格外引人注目的现象是：部分银行推 出的儿童专属存款产品，其利率甚至高于20万元起存的大额存单。中国邮政储蓄银行研究员娄飞鹏分析 称，银行愿为小额压岁钱给出高息，核心原因在于能以低成本锁定长期资金，同时绑定家庭客群。 记者注意到，在今年压岁钱争夺战背后，银行营销手段也不断升级——从活泼可爱的儿童存折， 到"985"寓意，再到融入成长记录的个性化服务，花样翻新的活动不仅让家长们心动，也悄然改变着他 们对待孩子压岁钱的态度：从父母的"代管"逐渐转向与孩子的"共管"。 低门槛高利率，儿童专属存款"反超"20万大额存单 与往年相比，今年银行推出的压岁钱理财计划更加务实。 21世纪经济报道记者了解到，目前多数银行的儿童存折起存金额 ...

您可通过中国邮政储蓄银行网站（www.psbc.com）、服务网点、客服电话95580了解咨询有关事宜。 2026年2月24日，中国邮政储蓄银行发布公告称，在2026年2月10日至2026年3月3日期间，中国邮政储蓄 银行对"宝贝卡"定制卡面借记卡业务的服务费用实行全渠道优惠，该优惠活动到期后，中国邮政储蓄银 行将恢复原价，即自2026年3月4日起，客户通过中国邮政储蓄银行微信公众号和手机银行渠道申请"宝 贝卡"定制卡面借记卡，所有客户的服务费用恢复至80元/卡。 ...

作为茌平区内唯一的药用玻璃制品企业，正信药用玻璃自2016年成立以来，深耕低硼硅药用玻璃领域，先后获评省级科技型企业、高新技术企业、专精特 新中小企业，还参与制定两项行业标准，手握2项发明专利、13项实用新型专利，年产能达10800吨，产品远销印度市场。 "2022年起，邮储银行给我们提供授信支持，帮我们解了燃眉之急。"公司总经理申英万坦言，企业搞研发、改设备时资金周转卡壳，是银行的支持让创新 脚步没停下来。2025年5月，一笔300万元的"信用E贷"在3个工作日内迅速到账，保障了企业日常经营的资金流畅，为其持续开展技术研发创造了有利条 件。 齐鲁晚报.齐鲁壹点国晓宁通讯员王冠军 近日，在山东正信药用玻璃有限公司车间内，高档电熔炉烈焰灼灼，全自动生产线有序运转，一根根符合国际标准的硼硅棕色药用玻璃管成型下线，将奔 赴国内外药企的生产一线。这家填补山东医药玻璃包装空白的专精特新企业，如今的稳健发展，离不开邮储银行（601658）聊城市茌平区支行一路相伴的 金融助力。 如今，正信药用玻璃的产品覆盖国内多家药企，研发的高强度棕色低硼药用冻干专用玻璃管等新产品，成为行业工艺标杆。2025年，企业销售额突破4300 万 ...

今年是"十五五"开局之年。新年伊始，广东省、广州市高质量发展大会相继召开，擘画经济高质量发展 新蓝图。 立足新起点，奋进新征程。邮储银行广州市分行因势而变、顺势而行，始终坚守服务"三农"、城乡居民 和中小企业的战略定位，以"更加普惠、更加均衡、更加稳健、更加智慧、更具活力"为目标，传递和践 行"绿色让生活更美好"的主张，写好科技金融、绿色金融、普惠金融、养老金融、数字金融"五篇大文 章"，持续增强服务广州市经济高质量发展的能力，为广州市经济高质量发展贡献"邮储力量"。 锚定科技金融为创新发展聚力赋能 "在年度结算中，邮储银行为我们成功开立数亿元银行承兑汇票，大大减轻资本占用，资金使用效率得 到有效提高。"佳都科技集团股份有限公司（以下简称"佳都科技"）相关负责人提到邮储银行的金融服 务时赞不绝口。 去年11月，佳都科技与西门子、工控国际共同设立合资公司，佳都科技的知行交通大模型正在被越来越 多国际巨头认可，进驻各类车站闸机、售票机及车站计算机系统。在企业勇攀高峰的背后，邮储银行广 州市分行根据企业具体情况成立产业链专项小组对企业进行深入的剖析及走访，从产业的发展前景、相 关政策支持力度、企业的发展规划等方面进 ...

上海金融与法律研究院研究员杨海平对《证券日报》记者表示，当前金融市场竞争日趋激烈，为培育客 户消费习惯、夯实客群基础，并抢占家庭金融服务入口，儿童金融已成为银行的常态化业务。 杨海平同时提醒，家长在为孩子选择金融服务时，应优先选择与儿童认知水平相适配的产品与服务，同 时注意防范相关合规风险。 2月21日，鄞州银行发布公告显示，该行推出的"儿童存单"中，3年期新客资金可享受最高1.88%的定期 存款利率，单户限额10万元；50元至1万元额度的普通3年期"儿童存单"利率为1.55%。北京银行推出"小 京压岁宝"定期存款产品，3年期年化利率达1.75%，较该行同期普通存款利率有所上浮，起存金额1000 元。蒙商银行"压岁宝"3年期年化利率同样为1.75%，起存金额500元。北京农商行推出"阳光宝贝卡"专 属储蓄产品，起存金额1000元，1年期、2年期、3年期年利率分别为1.5%、1.6%、1.75%，远高于该行 同期限定期存款1.15%、1.2%、1.3%的挂牌利率。 除定期存款外，多家银行还结合儿童财商教育需求推出配套的账户服务。招商银行（600036）手机App 上线"金小葵"专区，主打压岁钱专属管理，家长可在 ...

Investment Rating - The report assigns a "Buy" rating for the banking sector, indicating an expectation of stock performance exceeding the market by more than 10% over the next 12 months [58]. Core Insights - In 2025, the banking sector's asset growth is projected to be 8.01%, an increase from 6.52% in 2024, driven by factors such as fiscal stimulus, cross-border capital inflows, and the activation of maturing deposits [5][13]. - The report identifies two key cycles affecting asset pricing in banking: the bank expansion cycle and the interest margin cycle, suggesting a comprehensive analysis of these cycles [5][13]. - The debt cycle is characterized as a fundamental aspect of the bank expansion cycle, with a model proposed by Dalio outlining seven stages of a typical debt cycle, which can be influenced by external debt reliance [16][19]. - The report anticipates limited upward space for the debt cycle in 2026, with government leverage expected to increase by 5.89%, lower than the 7.6% projected for 2025 [35][36]. - The banking interest margin cycle is expected to stabilize in 2025, following two complete cycles since 2010, with a correlation observed between bank interest margins and the 30Y-10Y government bond spread [41][45]. Summary by Sections Bank Expansion Cycle - The asset growth rates for different types of banks in 2025 are projected as follows: state-owned banks at 11%, joint-stock banks at 4.74%, city commercial banks at 9.68%, and rural commercial banks at 5.17%, all exceeding the average growth rate [5][13]. - The report emphasizes the importance of understanding the relationship between bank assets and liabilities, highlighting that credit and debt expansion are cyclical and self-reinforcing [15][16]. Debt Cycle Analysis - The report outlines that the current debt cycle, which began in 2022, has lasted 16 quarters, surpassing previous cycles, and indicates a shift in leverage dynamics among enterprises, government, and households [35][36]. - The analysis includes a comparison of deflationary and inflationary debt cycles, noting that the U.S. faces greater inflationary pressures due to higher external debt reliance compared to China [21][19]. Interest Margin Cycle - The report notes that the banking interest margin has experienced significant fluctuations since 2010, with a stabilization phase expected to begin in 2025 [41][45]. - It highlights the impact of loan repricing cycles on interest margins, with a notable decline in loan rates observed in recent years [49][50].

近日，邮储银行海安市墩头支行立足乡镇网点老年客群占比较高的实际情况，主动作为，精准施策，集中开展了一系列以暖心服务助力银发经济的专项行 动。通过优化网点设施、筑牢反诈防线、延伸服务触角，为广大老年群体构建起一个有温度、有深度、有保障的金融服务生态环境，以实际行动诠释了国有 大行的责任与担当。 优化网点环境，打造适老服务"温馨港湾" 为给老年客户提供更加舒适、便捷的金融服务体验，邮储银行海安市墩头支行将网点适老化改造作为提升服务质量的"先手棋"。网点全面优化厅堂布局，增 设了无障碍通道，确保行动不便的客户能够顺畅出入；在等候区添置了舒适的"爱心座椅"，让老年客户坐得安稳、等得舒心。此外，网点内还配备了急救 箱、老花镜、放大镜等便民设施，并专门开辟了"银发服务专区"，老年客户在查阅业务资料、填写各类单据时，可以随时取用，有效解决了因视力不佳带来 的困扰。 语言是沟通的桥梁，更是传递关怀的纽带。考虑到当地老年客户多习惯使用方言交流，该支行在柜面服务中采取"普通话+方言"的双语服务模式。工作人员 在标准普通话服务的基础上，能够熟练切换至地方方言，用亲切的乡音与老年客户交流，耐心解答他们的疑问。这种接地气的服务方式，不 ...

Core Insights - Postal Savings Bank of China (PSBC) in Rudong County has reported a significant increase in small business loans, exceeding 200 million yuan as of February 10, 2026, indicating stable growth and high-quality development in this sector [1][2] Group 1: Business Strategy - The bank recognizes that serving small and micro enterprises is fundamental to its mission and has set clear goals for the year, breaking down tasks into actionable plans with a defined timeline and roadmap [1] - PSBC has implemented a collaborative service mechanism, extending its outreach to government departments, local communities, and industrial parks to enhance service delivery [1] Group 2: Service Efficiency - The bank has optimized its credit processes to provide "express" financial services, allowing for a one-month acceleration in loan disbursement for existing quality clients through pre-approval strategies [2] - For new clients, a dedicated follow-up mechanism has been established to streamline the loan process, ensuring that quality projects receive timely funding [2] Group 3: Commitment to Economic Development - PSBC is committed to translating national policies aimed at supporting enterprises into actionable services, effectively channeling financial resources to the grassroots level of small and micro businesses [2] - The bank aims to continuously innovate its service models and enhance service quality to contribute to the high-quality economic development of Rudong County [2]

Core Viewpoint - The People's Bank of China and the National Financial Regulatory Administration have conducted the 2025 assessment of systemically important banks, identifying 21 domestic banks categorized into five groups based on their systemic importance scores [1] Group 1: Assessment of Systemically Important Banks - A total of 21 domestic systemically important banks have been recognized, including 6 state-owned commercial banks, 10 joint-stock commercial banks, and 5 city commercial banks [1] - The banks are divided into five groups based on their systemic importance scores, with the first group consisting of 11 banks, the second group having 4 banks, the third group with 2 banks, the fourth group containing 4 banks, and the fifth group having no banks [1] Group 2: Breakdown of Bank Groups - The first group includes: China Minsheng Bank, China Everbright Bank, Ping An Bank, Huaxia Bank, Ningbo Bank, Jiangsu Bank, Beijing Bank, Nanjing Bank, Guangfa Bank, Zheshang Bank, and Shanghai Bank [1] - The second group consists of: Industrial Bank, China CITIC Bank, Shanghai Pudong Development Bank, and China Postal Savings Bank [1] - The third group includes: Bank of Communications and China Merchants Bank [1] - The fourth group comprises: Industrial and Commercial Bank of China, Bank of China, China Construction Bank, and Agricultural Bank of China [1] - The fifth group currently has no banks included [1] Group 3: Future Regulatory Actions - The People's Bank of China and the National Financial Regulatory Administration will implement additional regulatory measures for systemically important banks according to the "Regulations on Additional Supervision of Systemically Important Banks (Trial)" [1] - The aim is to enhance the synergy between macro-prudential management and micro-prudential supervision, ensuring the safe and sound operation of systemically important banks [1] - This initiative is intended to better support the high-quality development of the real economy [1]

● 本报记者 吴杨 在财政贴息与银行利率折扣作用下，年化利率降低，让信用卡分期变得"真香"。中国证券报记者调研发 现，在财政贴息政策背景下，银行信用卡分期市场呈现新动向：在银行端，促销战与服务创新如火如 荼；在监管侧，风险提示与消费者保护同步加强，共同勾勒出消费信贷生态健康发展新图景。 算起"精明账" 一位来自内蒙古自治区的消费者在社交媒体上分享了自己的经历：一笔约12.8万元的信用卡账单分12期 偿还，在享受财政贴息与银行利率折扣后，原本较高的年化利率低了很多。他感叹自己亲身感受到了政 策红利，同时也提醒其他消费者，这项贴息活动将持续至2026年底，每位持卡人在单家银行的补贴有上 限。 一位来自江苏的消费者同样表示，在看到信用卡分期可享财政贴息的消息后，恰逢有银行推出分期手续 费2.1折的优惠活动，便果断选择将上月账单进行分期。 不过，也有消费者对此心存疑虑。一位来自湖北的消费者表示："各种优惠和贴息叠加后，我搞不清信 用卡分期的真实利率了。"这种担忧并不少见，记者以"信用卡""分期"为关键词在黑猫投诉平台搜索， 截至记者发稿时，相关投诉高达5.73万条，其中不乏关于高额分期手续费和循环利息的投诉。对此，一 ...