现在的理财圈，简直比菜市场还卷。 存款利率一降再降，放一年利息少得可怜。 基金净值上蹿下跳，心脏不好根本扛不住。 理财产品打破刚兑，赚钱亏钱全看运气。 普通老百姓想找个稳当当、能长期拿的"钱生钱"路子，难上加难。 就在大家愁眉不展的时候，低调的银行股直接亮出王炸。 每年几百上千亿的现金分红，股息率碾压定期存款。 工行、建行、农行、中行轮番发红包，被股民亲切叫作"股市现金奶牛"。 银行股分红大比拼！谁才是真·现金奶牛？ 农业银行、中国银行也不示弱，单年分红均超600亿元，红包拿到手软。 2025年中期分红更是加码，六大行合计派息超2000亿元。 工行单中期就分掉504亿元，创下上市银行中期分红纪录。 别人分红是发零花钱，大行分红直接是下红包雨。 再看分红比例，政策托底稳得很。 证监会《上市公司监管指引第3号》明确鼓励现金分红，新"国九条"更是强化要求。 国有大行常年把分红比例锁定在30%以上，雷打不动。 部分股份行如招行，分红率直接干到35%+，诚意拉满。 以前银行一年分一次，现在响应政策，中期+年度两次分红。 相当于一年领两次工资，现金流直接翻倍。 老百姓最关心的股息率，更是吊打传统理财。 国有大行A股股息率 ...

2026年2月19日，国内黄金市场迎来一波小幅震荡，金价略有回落，金条价格也随之下调。对于关注黄 金市场的投资者和消费者来说，了解最新的金价信息至关重要。本文将详细解读当日各类黄金产品，包 括足金、千足金以及投资金条的最新价格，并汇总各大银行的金条报价，供您参考。 首先，让我们聚焦黄金纯度标准。根据国家标准，含金量大于990‰的黄金产品统称为足金。市场上常 见的足金产品纯度各异，包括含金量≥990‰、≥999‰、≥99.99%以及≥99.999%等多种规格。其中，含金 量达到99.99%和99.999%的黄金通常被誉为高纯度黄金，它们色泽赤黄，质地柔软，延展性极佳，是制 作高档首饰的理想选择。不同纯度的黄金用途也略有差异。例如，含金量不低于99.0%的足金 （AU999）常被用于制作日常佩戴的珠宝首饰；而纯度更高的足金9999（AU9999），含金量不低于 99.99%，除了制作首饰外，因其更高的保值性，也受到投资者的青睐。 当日，国内黄金市场各品类的具体价格如下： 国内黄金9995最新价格：1103.80元/克 国内黄金9999最新价格：1103.80元/克 国内9999千足金最新价格：1110.40元/克 ...

Core Insights - The report indicates that the average monthly active users (MAU) for major Chinese mobile banking apps in 2025 shows a significant user base, with the Agricultural Bank of China leading at approximately 24.9 million users [1]. Group 1: User Metrics - The average MAU for the top five mobile banking apps in 2025 are as follows: Agricultural Bank of China (24.9 million), Industrial and Commercial Bank of China (19.4 million), China Construction Bank (10.9 million), Bank of China (8.9 million), and Postal Savings Bank (5.3 million) [1]. - The total number of independent devices for mobile banking in China is projected to stabilize between 648 million and 739 million, indicating a plateau in user growth [1]. Group 2: Industry Trends - The report highlights a shift in industry dynamics from acquiring new users to enhancing existing user engagement, as the flow of new users has reached a ceiling [1]. - User behavior is changing structurally, with the effective daily usage time per device decreasing from 4.9 minutes in 2023 to around 2.7 minutes by mid-2025, stabilizing at approximately 3 minutes [1]. - The trend towards high-frequency, short-duration, and function-oriented usage is prompting financial institutions to streamline processes and focus on core transaction scenarios [1].

Core Insights - The Chinese mobile banking market is entering a stage of stock competition in 2025, with monthly active users (MAU) stabilizing between 648 million and 739 million [2] - State-owned commercial banks dominate the market due to their ecological embedding advantages, with Agricultural Bank of China leading at 249 million MAU, followed by Industrial and Commercial Bank of China (194 million) and China Construction Bank (109 million) [2] - Private banks are expected to collectively exit the top 50 MAU rankings in 2025 due to a lack of offline branch support and local living ecosystems [2] Group 1: Major Players - Agricultural Bank of China has the highest MAU at 249 million, followed by Industrial and Commercial Bank of China with 194 million and China Construction Bank with 109 million, forming the first tier of banks [2] - China Bank and Postal Savings Bank have MAUs exceeding 50 million, constituting the second tier [2] - China Merchants Bank leads the joint-stock banks with 71.85 million MAU, while Ping An Bank and CITIC Bank form the second tier, with other joint-stock banks generally below 20 million MAU [2] Group 2: Market Dynamics - The core advantage of state-owned banks lies in their "full-scenario integration" capabilities, embedding services deeply into high-frequency life scenarios such as government affairs, social security, healthcare, and education [2] - Agricultural Bank of China extends its services to rural areas through intelligent service matching and customer customization, while Industrial and Commercial Bank of China utilizes its "Gong Xiao Zhi" model for interactive service [2] - Regional banks like Jiangsu Bank, Beijing Bank, and Ningbo Bank show stable performance by focusing on local markets, with some rural commercial banks like Fujian Rural Credit exceeding 4.5 million MAU, indicating the sustainability of localized operations in the stock market [2]

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 ...

在国有大行巩固领先地位的同时，股份制银行也在存量市场中寻求突围之路。股份制商业银行整体表现较为稳健，但内部出现分化。招商银行以超7000万月 活用户数在股份制银行中排名第一。平安口袋银行与中信银行月活数集中在2000万至3000万区间，形成第二梯队。从增长情况来看，光大银行和中信银行表 现突出，月活环比增幅分别达11.0%和9.2%；而民生银行和广发银行月活环比出现负增长。股份制银行身处国有大行与区域银行挤压的"中间地带"，出路在 于聚焦特定客群与专业壁垒，如招商银行持续深化财富管理专业优势与AI技术应用，以巩固其在高价值客群中的地位。 当股份制银行在存量市场努力突围时，城市商业银行增长迅猛，但分化也较为严重。共有17家城商行进入TOP50榜单，宁波银行以364.4万月活用户数列城 商行第一，环比增速达43.9%，杭州银行、南京银行增幅分别为33.7%和22.6%。然而，徽商银行、齐鲁银行等部分城商行月活环比下滑。城商行的显著增长 与其深耕区域的策略相关，例如宁波银行为客户打造"专人专版"服务，融合本地政务与生活场景，实现对特定客群的精细化运营。 农村商业银行和农信社也有不错的表现，有17家入选2025年TO ...

作者 胡群 艾瑞咨询近日发布的《2025年中国手机银行APP监测报告》（下文简称"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，用户规模天花板正式显现。持续十余年的流量红利期宣告终结，行业逻辑从增量获取全面转入存量提升，任何依赖粗放式获客的增长模式均已失效。 伴随规模见顶，用户行为发生结构性逆转。单机单日有效使用时长从2023年的4.9分钟下探至2025年中的2.7分钟左右，随后在2025年下半年稳定在约3分钟附 近，高频、短时、功能型使用成为主流。这一趋势倒逼金融机构砍掉低效模块、精简操作流程，将资源集中于核心交易场景。在这场存量博弈中，唯有极致 效率与精准生态者方能生存，否则将被迅速边缘化。 从TOP50总榜单来看，排名首位的中国农业银行突破以月均2.49亿MAU位居榜首；工商银行和建设银行两家国有大行实现MAU超1亿，分别以1.94亿和1.09 亿MAU位列第二、第三位。中国银行、招商银行、邮储银行排名第四至六位，分别为8881.6万、7185.4万和5324.4万。排名靠前第七至第十位的交通银行、 平安口袋银行、中信银行和民生银行MAU大体在1500—3500 ...

Group 1 - The core point of the article is that China Construction Bank has obtained a patent for a testing data processing method and system aimed at host systems, with the patent granted under announcement number CN115495356B and the application date being September 2022 [1] Group 2 - China Construction Bank, established in 2004 and located in Beijing, primarily engages in monetary financial services, with a registered capital of 26,160,038.1459 million RMB [1] - The bank has made investments in 37 companies and participated in 5,000 bidding projects, indicating its active role in the market [1] - In terms of intellectual property, the bank holds 1,890 trademark records and 5,000 patent records, along with 149 administrative licenses [1]

Group 1: Gold Market Prices - As of February 16, 2026, the domestic gold market shows a mixed trend with a real-time trading price of 1119 CNY per gram and a basic gold price set at 1125 CNY per gram [1] - The price range for jewelry brand gold products is between 1300-1579 CNY per gram, with major brands like Chow Tai Fook and Luk Fook uniformly priced at 1529 CNY per gram, while Lao Feng Xiang is slightly higher at 1548 CNY per gram [2] - The Shanghai Gold Exchange reports that the AuT D contract price is 1108.50 CNY per gram, down 1.47% from the previous day, and the Au9999 contract is at 1109.00 CNY per gram, with a decline of 1.20% [2] Group 2: Bank Gold Bar Pricing - Major banks are quoting investment gold bars in the range of 1121-1145 CNY per gram, with differences attributed to handling fees and brand premiums [4] - Among state-owned banks, Industrial and Commercial Bank of China is at 1143.43 CNY per gram, and China Construction Bank at 1141.30 CNY per gram, while joint-stock banks are slightly lower [5] - China Gold and Cai Bai Jewelry report prices of 1139 CNY per gram and 1137 CNY per gram respectively, while jewelry brands like Chow Tai Fook and Lao Feng Xiang have gold bar prices reaching 1342-1403 CNY per gram, exceeding bank channel prices [6] Group 3: Investment Case Studies - Investor Xue Di, with a strategy of gradual accumulation since 2023, turned an initial capital of 2.8 million CNY into over 5.6 million CNY by January 2026, emphasizing gold's value preservation [8] - In contrast, investor Shi Yue faced losses after buying at a high of 1200 CNY per gram, leading to an average cost of 1185.73 CNY per gram and a significant weekly loss [8] - Investor Tian Rui missed the opportunity to purchase gold at 553 CNY per gram in 2023, now facing much higher prices, highlighting the importance of timing in investment success [8] Group 4: Pricing Power Shift and Supply Variables - Since 2025, the pricing logic of gold has undergone structural changes, moving from a negative correlation with U.S. Treasury real interest rates to a new model influenced by global debt levels and central bank gold purchases [9] - In 2025, global gold demand reached a record high of 5002 tons, with central bank purchases of 863 tons stabilizing the market, indicating a shift in the pricing system towards a tripartite structure involving Asian demand, North American demand, and central bank purchases [9] - Supply dynamics are also changing, as seen in Ghana, where gold production reached a record 6 million ounces in 2025, with artisanal mining surpassing large commercial mines, indicating a surge in informal supply channels [10] Group 5: Consumer Awareness and Investment Strategies - Consumers are advised to be cautious of "one-price" gold products that may not clearly indicate weight, potentially leading to high per-gram prices upon resale [12] - For genuine investors, transparency is crucial, with institutions like China Construction Bank and Agricultural Bank of China offering gold bars at only a slight premium over market prices, making them preferable for risk-averse investments [12] - The strategic reserve demand from global central banks, alongside U.S. monetary policy expectations and geopolitical risk factors, supports high gold prices, emphasizing the distinction between jewelry and investment-grade gold [12]

每经编辑｜段炼 宋思艰 2月14日，中国人民银行公示两张合计约8601.04万元的行政处罚罚单，对象分别是中国建设银行股份有限公司和上海浦东发展银行股份有限公司。 | 序号 当事人名称 | | 行政处罚 | 违法行为类型 | 行政处罚内容 | 作出行政处罚 | 作出行政处罚 | 公示期限 备注 | | --- | --- | --- | --- | --- | --- | --- | --- | | | | 决定书文号 | | | 决定机关名称 | 决定日期 | | | | | | 1.违反账户管理规定; | | | | | | | | | 2.违反清算管理规定; | | | | | | | | | 3.违反银行卡收单业务管 | | | | | | | | | 理规定; | | | | | | | | | 4.违反反假货币业务管理 | | | | | | | | | 规定; | | | | | | | | | 5.占压财政存款或资金; | | | | | | | | | 6.违反信用信息采集、提 | | | | | | 上海浦东发 | | | 供、查询及相关管理规 | 警告,没收违法所得 | | | | | ...