银行是金融系统的重要组成部分。据《证券日报》记者梳理，目前已有多家银行（涵盖政策性银行、国 有大型商业银行、全国性股份制银行）陆续召开2026年经营管理工作会议，梳理总结2025年工作，并结 合当前形势，部署安排2026年工作举措，为新的一年谋好篇、布好局、开好头、起好步。 政策性银行是落实国家发展战略的重要平台。中国进出口银行会议要求，强化政治担当，做优业务专 长，积极践行职责使命。持续巩固政策性业务主体地位，提升境外业务核心竞争力，全力落实新型政策 性金融工具投放。 作为我国金融体系的"压舱石"，多家国有大型商业银行充分发挥责任担当，锚定"做优做强"，把高质量 发展要求融入经营管理的全流程中，以更加精准有力的金融服务，落实好党中央各项决策部署，为"十 五五"开好局、起好步贡献力量。 多家大行均强调聚焦主责主业，突出优势业务。例如，农业银行（601288）会议要求，要始终把服 务"三农"作为重中之重，全力支持乡村全面振兴和城乡融合发展；中国银行（601988）会议要求，持续 提升全球布局能力、全球产品服务能力、全球一体化营销能力、跨境人民币业务能力、全球化科技保障 能力、全球合规管理能力和参与全球金融治理能 ...

Core Viewpoint - Everbright Bank (601818) emphasizes a steady and progressive approach to its operations, aiming for robust performance in the upcoming years, particularly in 2026, which marks the beginning of the "14th Five-Year Plan" [1] Group 1: Financial Strategy and Outlook - The bank anticipates that macro financial policies will continue to provide a relatively loose financing environment for the real economy in 2026 [1] - The bank aims to fulfill its responsibilities as a financial state-owned enterprise by enhancing financial services in key strategic areas and addressing weaknesses [1] Group 2: Business Development Focus - Everbright Bank plans to concentrate on developing six distinctive business areas: Sunshine Technology Innovation, Sunshine Wealth, Cloud Payment, Sunshine Investment Banking, Sunshine Transportation Finance, and Sunshine Gold Market [1] - The development of these specialized businesses is expected to drive overall operational quality and efficiency, promoting high-quality growth for the bank [1]

（编辑 姚尧） 证券日报网讯 1月30日，光大银行在互动平台回答投资者提问时表示，我行已公布2025年中期A股分红 实施公告，现金红利发放日为2月5日。未来，我行将充分考虑投资者诉求，合理平衡自身发展和股东回 报，保持分红政策的连续性和稳定性。 ...

Core Viewpoint - The gold market is experiencing significant volatility, with the London gold spot price surpassing $5,500 per ounce on January 29, leading to a surge in domestic gold investment interest. In response, several banks, including Industrial and Commercial Bank of China (ICBC), China Construction Bank (CCB), and Ping An Bank, have implemented adjustments to their gold accumulation and fixed deposit services to manage risks and guide investor behavior [1]. Group 1: Yield Adjustments - The first category involves a reduction in yields, focusing on optimizing the rules for gold fixed deposits and accumulation. Ping An Bank announced that starting February 4, 2026, the yield for its gold accumulation business will be adjusted, with the current account yield dropping to 0.01%, and fixed deposit yields set at 0.2% for 3 months, 0.4% for 6 months, and 0.8% for 1 year. Existing customers will retain their current rates for fixed deposits made before the new rules take effect [2]. Group 2: Business Threshold and Rules Adjustments - The second category includes adjustments to business thresholds and processing rules, such as raising the minimum investment amount and implementing limit management. CCB announced that effective February 2, 2026, the minimum amount for personal gold accumulation will be raised to 1,500 yuan, marking the fourth increase in the past year. Previously, the threshold had been raised from 700 yuan to 1,200 yuan [2]. - ICBC has focused on managing non-trading day operations by implementing dynamic limit management for its gold accumulation business starting February 7, 2026. This will cover daily accumulation and redemption limits for all customers, with specific limits adjusted based on market volatility [3]. Group 3: Risk Management Enhancements - The third category involves upgrading risk management protocols to enhance investor suitability assessments. Several banks, including Agricultural Bank of China, have begun requiring higher risk tolerance evaluations for individual clients participating in gold accumulation transactions. ICBC has mandated that only clients rated C3 (balanced) and above can engage in gold accumulation starting January 12, 2026, while Agricultural Bank has restricted participation to cautious investors and above from January 30, 2026 [3].

Group 1 - The banking sector experienced a decline of 0.53% on January 30, with Huaxia Bank leading the drop [1] - The Shanghai Composite Index closed at 4117.95, down 0.96%, while the Shenzhen Component Index closed at 14205.89, down 0.66% [1] - Major banks such as China Merchants Bank and CITIC Bank showed mixed performance, with China Merchants Bank slightly up by 0.36% and CITIC Bank down by 0.28% [1] Group 2 - The banking sector saw a net outflow of 665 million yuan from institutional investors, while retail investors contributed a net inflow of 564 million yuan [1] - Specific banks like Huaxia Bank and Minsheng Bank faced significant net outflows from institutional investors, with Huaxia Bank seeing a net outflow of 67 million yuan [1] - Retail investors showed a preference for certain banks, with significant net inflows into banks like Ping An Bank and Zhejiang Commercial Bank [1]

Core Viewpoint - Zhongshan Securities, a subsidiary of Jindong Co., is embroiled in a legal dispute involving approximately 490 million yuan, stemming from a financial fraud case that began 12 years ago [1][8]. Group 1: Lawsuit Details - The lawsuit was initiated by China Everbright Bank's Changchun branch against five defendants, including Zhongshan Securities, for tort liability [2][8]. - The case traces back to 2013 when Liu Xiaoyi, the legal representative of Liuhe Juxinyuan Rice Industry Co., misrepresented the company's financial status to secure a loan of 350 million yuan [3][4]. Group 2: Fraud Mechanism - Liu Xiaoyi collaborated with Zhang Lei, an assistant manager at Everbright Bank, to fabricate financial documents and mislead the bank into approving the loan [3][4]. - The fraudulent scheme involved a complex flow of funds, where Everbright Bank deposited 350 million yuan into China Merchants Bank, which was then transferred through Zhongshan Securities to Ping An Bank, ultimately reaching Liu's company [4][6]. Group 3: Legal Proceedings - After the fraud was uncovered in 2014, criminal charges were filed against Liu and Zhang, resulting in severe penalties, but only a small portion of the embezzled funds was recovered [6][7]. - In 2015, Everbright Bank filed a civil lawsuit against China Merchants Bank to recover the funds, but the Supreme Court ruled that the original agreement was invalid due to its fraudulent nature [7][8]. Group 4: Current Developments - In 2026, Everbright Bank reinitiated legal action, this time claiming tort liability and seeking a total of 489 million yuan, including principal and interest [8]. - The outcome of this case remains uncertain, with questions surrounding the liability of the involved banks and the potential for Everbright Bank to recover its losses from a decade-old fraud [9].

1月以来，银行业机构陆续召开2026年经营工作会议，总结过去一年乃至整个"十四五"时期的经营 成绩，为新的一年谋篇布局。 谈及2025年经营，"高质量发展"成为高频词。多家银行透露，各项工作"稳中有进""稳中提质"，且"综合实力 迈上新台阶"，为下一个五年发展打下了坚实基础。 2026年是"十五五"开局之年。多家银行强调，将加大对重点领域金融支持，做实做细金融"五篇大文章"，有效 防范化解重点领域风险，支持巩固经济稳中向好态势。 其中，包括工行、建行、农行、交行在内，多家银行明确将加快推动数智化转型。"降本提质增效"等表述也出 现在工行、农行、建行、交行、平安银行的工作部署中。 工商银行：做强主业、做优质效、做大贡献 工商2026年党建暨经营管理工作会议强调，要打造一流银行、领军银行、清廉银行、现代银行，持续做强主 业、做优质效、做大贡献。 一是提升防风险成效，推动全面风险管理取得新进步，加快智能化风控平台进业务进场景。 二是提升强合规能力，确保内控管理实现新跃升，把依法合规经营打造为核心竞争力。 二要加大重点领域融资供给，助力巩固拓展经济稳中向好势头。持续加大"两重""两新"和民生、消费等领域金 融支持；进 ...

Core Viewpoint - The report highlights a decline in the scale of bank wealth management sales in December 2025, with a total of 13.46 trillion yuan, a decrease of 1.05% from November, but an increase of 10% from the beginning of the year. The growth is attributed to a "deposit migration" logic, indicating a shift in customer preferences towards wealth management products [2][6]. Group 1: Bank Performance - Postal Savings Bank showed a remarkable growth rate of 27.2%, leading among the 11 national banks, while China Merchants Bank followed with a 12.2% increase [2][4]. - In absolute terms, China Merchants Bank led with a wealth management sales scale of 4.41 trillion yuan, followed by CITIC Bank and Industrial Bank, each exceeding 1 trillion yuan [2][4]. - The ranking of the 11 banks remained relatively stable, with Postal Savings Bank rising from 7th to 4th place by the end of the year [2][4]. Group 2: Market Dynamics - The overall wealth management sales scale of the 11 banks increased by 1.22 trillion yuan, reflecting a 10% growth from the beginning of the year, with three banks (Postal Savings, China Merchants, and Huaxia) achieving growth rates above 10% [5][6]. - The average yield of wealth management products fell below 2% for the first time, at 1.98%, yet the number of investors increased by 14.37%, indicating a strong demand for stable-return products [8][9]. - The "deposit migration" narrative remains a key driver for the growth of wealth management, as banks focus on deeper market penetration and optimizing customer service [9][10]. Group 3: Future Outlook - Predictions suggest that by the end of 2026, the wealth management scale could reach approximately 38 trillion yuan, with a growth rate of around 12% [11]. - The average risk index is expected to gradually rise, and the proportion of long-term products is anticipated to increase, while T+0 products will decrease [11].

Group 1: Dividend Indices - The Low Volatility Dividend Index (H30269.CSI) includes 50 securities with good liquidity, continuous dividends, moderate payout ratios, positive growth in dividends per share, high dividend yields, and low volatility, with a dividend yield of 4.51% as of January 29 [1] - The Quality Dividend Index (931468.CSI) consists of 50 securities that continuously pay cash dividends, have high payout ratios, and exhibit high profitability, with a dividend yield of 2.84% as of January 29 [1] Group 2: Company Dividend Announcements - China Everbright Bank announced a cash dividend of RMB 0.105 per share (tax included), with the record date on February 4, 2026, and the ex-dividend date on February 5, 2026 [1] - Zijin Bank declared a cash dividend of RMB 0.05 per share (tax included), with the record date on February 4, 2026, and the ex-dividend date on February 5, 2026 [2] - Yiyi Co., Ltd. announced a cash dividend of RMB 0.2189568 per share (tax included), with the record date on February 3, 2026, and the ex-dividend date on February 4, 2026 [2] - Vatti Corporation declared a cash dividend of RMB 1 per 10 shares (tax included), with the record date on February 3, 2026, and the ex-dividend date on February 4, 2026 [2] - Beihua Co., Ltd. announced a cash dividend of RMB 0.25 per 10 shares (tax included), with the record date on February 3, 2026, and the ex-dividend date on February 4, 2026 [3] - Xiamen International Trade Group announced a cash dividend of RMB 0.10 per share (tax included), with the record date on February 3, 2026, and the ex-dividend date on February 4, 2026 [3] - Sree New Materials declared a cash dividend of RMB 0.04 per share (tax included), with the record date on February 3, 2026, and the ex-dividend date on February 4, 2026 [3] - Kingmed Diagnostics announced a cash dividend of RMB 0.88 per share (tax included), with the record date on February 4, 2026, and the ex-dividend date on February 5, 2026 [4] - Hefei Gaoke declared a cash dividend of RMB 1 per 10 shares (tax included), with the record date on February 4, 2026, and the ex-dividend date on February 5, 2026 [4] - Zhongke Shuguang announced a cash dividend of RMB 0.07 per share (tax included), with the record date on February 4, 2026, and the ex-dividend date on February 5, 2026 [4] - Furande announced a cash dividend of RMB 0.20 per share (tax included), with the record date on February 4, 2026, and the ex-dividend date on February 5, 2026 [5] - China Electric Power Research Institute declared a cash dividend of RMB 0.25 per share (tax included), with the record date on February 5, 2026, and the ex-dividend date on February 6, 2026 [6] - Kewell announced a cash dividend of RMB 0.10 per share (tax included), with the record date on February 5, 2026, and the ex-dividend date on February 6, 2026 [6] - Yabao Pharmaceutical announced a cash dividend of RMB 0.20 per share (tax included), with the record date on February 5, 2026, and the ex-dividend date on February 6, 2026 [6]

Core Viewpoint - The price of gold has surged, breaking through the $5,500 per ounce mark, prompting banks to adjust their gold-related business practices, reflecting a cautious approach to compliance and risk management [1][6]. Group 1: Bank Adjustments - Banks are making adjustments in three main areas: lowering gold account interest rates, increasing investment thresholds, and strengthening risk assessments [1][4]. - For instance, Ningbo Bank has reduced its fixed deposit gold product rates, with current rates ranging from 0% for demand deposits to 0.5% for 12-month deposits, down from previous rates [2]. - Similarly, Ping An Bank is adjusting its gold accumulation business rates, with a decrease of 19-30 basis points across various terms [2][3]. Group 2: Increased Investment Thresholds - Several banks have raised the minimum investment amounts for gold accumulation products, such as Everbright Bank increasing its minimum from 1,000 yuan to 1,200 yuan within a short period [3]. - Agricultural Bank has also implemented a risk assessment requirement for clients wishing to engage in gold accumulation, necessitating a cautious risk profile [4]. Group 3: Risk Assessment Enhancements - Banks are enhancing risk assessment protocols, with institutions like ICBC requiring clients to achieve a minimum risk tolerance level of C3 (balanced) for gold accumulation products, up from C1 (conservative) [3][4]. - This shift indicates a significant increase in the risk profile required for clients, reflecting banks' concerns over market volatility and compliance [4]. Group 4: Market Dynamics and Investor Guidance - The recent surge in gold prices is attributed to heightened geopolitical risks and a weakening dollar, which has increased demand for gold as a safe-haven asset [6]. - Analysts suggest that while investing in gold remains viable, investors should be cautious of high volatility and avoid chasing prices, focusing instead on long-term strategies and asset allocation [7].