Core Viewpoint - The surge in gold prices has led to increased demand for gold accumulation products, causing banking systems to experience overload and transaction failures [1][3][6]. Group 1: Market Dynamics - Gold prices have risen from 1150 CNY/gram to 1170 CNY/gram, prompting investors to seek opportunities to buy [1]. - Many investors are attempting to capitalize on the recent price drop, viewing it as a chance to increase their holdings in gold accumulation products [3][6]. Group 2: Banking System Response - Construction Bank reported that transaction failures were due to high traffic on their system, advising customers to refresh or retry later [3]. - Other banks, including Zhejiang Commercial Bank and Industrial and Commercial Bank of China, also faced similar issues with transaction overload [6]. Group 3: Adjustments in Banking Policies - Construction Bank announced an increase in the minimum amount for personal gold accumulation business to 1500 CNY, effective February 2 [7]. - Other banks, such as Ningbo Bank and China Merchants Bank, have also adjusted their gold product offerings and minimum investment amounts in response to market volatility [9][10].

| 代码 | 名称 | 主力净流入(元) | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入 (元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 600036 招商银行 | | 5.44(Z ﻋ | 7.13% | -3.86 Z | -5.06% | -1.58 Z | -2.07% | | 600016 民生银行 | | 3.00 Z | 14.00% | -9790.09万 | -4.56% | -2.03 Z | -9.44% | | 600015 华夏银行 | | 5298.26万 | 8.72% | -1942.12万 | -3.20% | -3356.14万 | -5.52% | | 601916 浙商银行 | | -729.54万 | -1.24% | 971.12万 | 1.64% | -241.58万 | -0.41% | | 000001 平安银行 | | -1.13 Z | -5.63% | 6444.83万 | 3.22% | 4825.40万 | 2.41% | | 601166 兴 ...

Core Viewpoint - Zhejiang Zheshang Bank has announced updates to its personal consumption loan subsidy policy, responding to recent government notifications and customer inquiries regarding interest subsidy scope and standards [1][2]. Group 1: Policy Changes - 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 [1]. - The subsidy standard has been improved by eliminating the cap of 500 yuan on single transaction subsidies and the cumulative limit of 1,000 yuan for each borrower at a single institution for transactions below 50,000 yuan [1]. Group 2: Customer Guidance - Customers who have already signed personal consumption loan subsidy agreements will not need to re-sign; transactions initiated from January 1, 2026, will automatically apply the new subsidy policy [1]. - Some banks, including Bank of China and China Construction Bank, allow customers whose consumption transactions are not automatically recognized to upload invoices for manual verification [2]. - Zhejiang Zheshang Bank has issued warnings regarding the consequences for borrowers who attempt to fraudulently obtain subsidy funds, including strict prohibitions and potential legal actions for providing false information or using illegal intermediaries [2].

转自：新华财经 金戈铁马迎新春，金融启蒙润童心。1月27日下午，浙商银行合肥瑶海支行（以下简称"瑶海支行"）二 楼活动中心暖意融融、笑语盈盈，一场集金融实践、红色教育与传统民俗于一体的"小小银行家 福启成 长路"主题宣传活动圆满举行。来自辖区内的青少年们化身"小小银行家"，在沉浸式体验中解锁金融知 识，在红色熏陶中厚植家国情怀，在新春拓福中感受传统文化魅力，为即将到来的马年新春增添了一抹 别样的成长亮色。 活动伊始，在瑶海支行工作人员的带领下，"小小银行家"们开启了厅堂探索之旅。智能柜台的便捷操 作、现金窗口的规范流程、自助设备的安全使用，都通过童趣化的语言和实地演示一一呈现。"原来银 行卡插卡要注意方向，密码还要悄悄输入呀！"孩子们围着金融设备好奇提问，在亲身体验中对银行运 作建立起直观认知。互动答题环节更是竞争激烈，得分前3名的小朋友脱颖而出，获得"小小柜员"角色 扮演资格。在老师的协助下，他们身着专属标识，认真模拟存取款、转账等基础业务，从问候客户、核 对信息到双手递接凭证，一招一式都尽显专业范儿，在实践中体会到服务的价值与责任。 新春拓"福"环节将活动氛围推向高潮。红底金纹的拓版整齐排列，专业老师耐心 ...

| 代码 | 名称 | 主力净流入 (元) | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入 (元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601166 兴业银行 | | 2.50 Z ﮯ | 6.55% | -7.53 亿 | -19.73% | 5.03亿 | 13.18% | | 600016 民生银行 | | 1.04亿 | 7.56% | 4996.89万 | 3.62% | -1.54 Z | -11.18% | | 601916 浙商银行 | | 4797.93万 | 9.09% | 2357.98万 | 4.47% | -7155.90万 | -13.56% | | 600015 华夏银行 | | 4782.16万 | 7.51% | 2677.07万 | 4.20% | -7459.23万 | -11.71% | | 600000 浦发银行 | | -1156.01万 | -0.82% | 6527.89万 | 4.61% | -5371.88万 | -3.79% | | 601998 ...

[Table_Page] 深度分析|银行 证券研究报告 [Table_Title] 银行行业 一文纵览全国分省份财政社融特征 [Table_Summary] 核心观点： （5）地方债务：2024 年所有省份狭义赤字率平均为 16.4%，广义赤 字率平均为 20.0%，处于 2010 年来偏低水平；债务率平均为 357.0%， 2016 年来持续上行。 [Table_Grade] 行业评级 买入 前次评级 买入 报告日期 2026-01-28 [Table_PicQuote] 相对市场表现 -10% -2% 6% 14% 22% 30% 01/25 04/25 06/25 09/25 11/25 01/26 银行 沪深300 | [分析师： Table_Author]倪军 | | | --- | --- | | | SAC 执证号：S0260518020004 | | | 021-38003646 | | | nijun@gf.com.cn | | 分析师： | 林虎 | | | SAC 执证号：S0260525040004 | | | SFC CE No. BWK411 | | | 021-38003643 ...

1月28日金融一线消息，"2025（第十三届）银行综合评选"活动获奖名单今日正式揭晓！本次评选活动 从多领域、多视角对银行机构各方面进行了综合评估，最终评选出多家行业佼佼者。 本次评选活动经过网络投票、第三方机构调研、专家评审、综合审核多项环节，最终角逐出"综合评 选""业务价值评选""社会责任评选""五大篇章评选"四大类26个奖项，20家银行机构上榜，充分体现了 银行业的发展趋势和行业标杆。 于时代脉搏中坚守使命，于转型发展中谱写新篇。本次获奖银行机构在过去一年的发展中展现了卓越的 综合实力和优秀的专业素养，在业务经营、服务能力、风控管理、创新发展等多方面取得了卓越成绩， 赢得了广泛的赞誉和认可。期待各银行机构在未来能够继续发挥自身优势和综合实力，坚守初心和使 命，为银行业高质量发展与金融强国建设贡献更多力量。 以下为获奖名单： 综合评选 中国工商银行获评"年度最佳国有商业银行" 中国进出口银行获评"年度最佳政策性银行" 招商银行获评"年度最佳股份制商业银行" 宁波银行获评"年度最佳城市商业银行" 北京农村商业银行获评"年度最佳农村商业银行" 微众银行获评"年度最佳民营银行" 业务价值评选 交通银行获评"年 ...

（文章来源：证券日报） 证券日报网讯 1月27日，浙商银行在互动平台回答投资者提问时表示，我行投资者关系管理电话在官网 及年报中均有披露，也欢迎通过我行公示的其他联系方式联系我行。我行始终聚焦自身经营，以高质量 发展应对行业经营挑战，努力为投资者创造长期价值。下一步，我行将通过不断优化资产结构、提升经 营效能、强化风险管控、坚守服务实体经济本源等举措，以高质量发展切实回馈全体投资者。 ...

1月26日晚，浙商银行发布公告，该行当日召开2026年第一次临时股东会，审议通过选举吕临华为公司 第七届董事会董事的议案。根据公告资料，本次股东会审议通过后，吕临华的任职资格尚待国家金融监 督管理总局核准。 记者留意到，这一决议距吕临华获聘该行行长不到一个月时间。2025年12月31日，浙商银行召开董事会 会议，同意聘任吕临华为浙商银行行长，任期与第七届董事会一致。 有业内人士分析指出，在股份制银行普遍追求治理效能与区域深耕的行业背景下，浙商银行此番人事布 局，旨在构建专业互补、运行高效的核心管理团队，也为该行持续推进的"深耕浙江"主战略注入了新的 动能。 吕临华资料图。 公开履历显示，拟任行长吕临华的职业背景兼具"金融监管"与"地方金融"的双重经验。他拥有超过20年 的浙江金融体系工作经历，早期长期任职于原浙江保监局、浙江银保监局等监管机构，曾担任办公室主 任、政策法规处处长等职务。离开监管系统后，他深度参与了全国深化农信社改革的"首单"实践，于 2022年7月出任浙江农商联合银行副行长，亲历了地方金融机构服务"三农"与民营小微企业的前沿一 线。 2025年6月，吕临华曾在《中国农村金融》杂志发表署名文章。 ...

Group 1 - The banking sector saw a decline of 0.35% on January 27, with Pudong Development Bank leading the drop [1] - The Shanghai Composite Index closed at 4139.9, up 0.18%, while the Shenzhen Component Index closed at 14329.91, up 0.09% [1] - Major banks such as China Merchants Bank and Ping An Bank experienced slight fluctuations in their stock prices, with China Merchants Bank closing at 38.10, up 0.21% [1] Group 2 - The net inflow of main funds into the banking sector was 944 million yuan, while retail investors saw a net outflow of 68.6153 million yuan [1] - Among individual stocks, China Merchants Bank had a main fund net inflow of 659 million yuan, while Ping An Bank experienced a net outflow of 3.2144 million yuan [1] - The trading volume for China Merchants Bank was 1.5724 million shares, with a transaction value of 6.017 billion yuan [1]