转自：新华财经 春风送暖，消保护航。2026年3月11日，中国建设银行湖北省分行主办、武汉江岸支行承办的以"清朗金融网络 守护安心消费"为主题的"3·15"金融消费者权 益保护教育宣传活动，在全国基层治理典范武汉百步亭社区暖心启幕，将金融知识、便民服务和消费风险提示送到居民家门口。此次活动是建设银行湖北省 分行落实中央金融工作会议与金融监管部署、深耕荆楚服务民生的生动实践，更是分行以银社联动为抓手，推动金融教育宣传常态化、阵地化、场景化的重 要举措。 活动形式丰富、贴近民生，通过快板表演、金融知识互动问答等群众喜闻乐见的形式开展金融知识普及，让专业的金融知识变得通俗易懂。服务咨询区里， 工作人员为居民提供一对一答疑服务，同步推出社保卡办理、零钱兑换等便民举措，把金融服务送到群众身边，真正做到解民忧、暖民心。游戏互动区则通 过趣味闯关和"我为金融消保代言"打卡活动，让居民在轻松愉悦的氛围中，快速掌握识别诈骗、理性投资、防范非法中介等实用风险防范技巧。 活动现场还举行了全省首支"社区金融消保宣传先锋队"授旗仪式。这支由社区代表与建行员工共同组成的队伍将扎根社区，常态化开展金融教育宣传，把消 保服务深度融入基层治理 ...

由新浪财经主办的"2026年度金石奖暨金融消保优秀案例评选"活动结果出炉，本期推出银行业消保优秀 案例。在多家金融机构角逐中，中国建设银行脱颖而出，凭借报送的"打造数智宣教新范式"案例，荣 获"银行业消保优秀案例"奖项。 以下为案例内容简述： 新春伊始，建设银行零售条线员工始终坚持以人民为中心的价值取向，扎实推进消费者权益保护工作落 地。特别是十五五开局之年，充分发挥科技金融的创新能力，加强数字化宣教，赋能业务发展。 春节期间，建行结合新春特色及旺季活动特点，线上线下相结合，走企业、走社区、走学校、走乡村、 走市场、走上街头与百姓开展别开生面的金融教育活动，帮助百姓寓教于乐，生动展示了金融消保的风 险提示及典型案例，用实际行动诠释着"温暖消保"，以"接地气"的方式，增进客户与建行的信任。 一是聚焦重点客群，做好数字化宣教活动，扩大客户触达面。在服务老年人方面，建行消保积极开 展"颐养+智养+康养"系列化活动，帮助老年群体感受温暖消保。围绕老年人金融教育形势，建行消保 组织开展老年人"义诊"及青少年"新春书法"活动，常态化做好老年人金融教育，打造老年人"颐养、智 养、康养"系列品牌，融入养老战略。走进社区，邀请 ...

自1996年以来的全球品牌情报 银行 500 2026 驱动功能与情感的增长 科技、信任与银行业的以人为本面 内容 《品牌金融》2026年银行业500强 前言 5 By David Haigh, Editor-In-Chief, Chairman, Brand Finance 引言 7 由安妮·布朗，英国品牌金融管理总监撰写 主要功能：前500大银行品牌 全球趋势 12 区域洞察 16 特色：人工智能赋能品牌价值 由安妮·布朗，英国品牌金融管理总监撰写 特性：如何在越来越缺乏信任的世界中建立银行的信任 由Paula Oliveira撰写，品牌金融全球战略服务部负责人 品牌聚焦 26 巴纳科·特兰西瓦尼亚 26 由奥马尔·特蒂克（Omer Tetik）撰写，Banca Transilvania首席执行官 BNP Paribas 28 由伊丽莎白·赫尔曼特，巴黎银行集团通讯主管 QNB 34 由海巴·阿尔·塔米米（Heba Al-Tamimi）撰写，QNB集团高级执行副总裁，集团传播部 标准银行 36 Diana Springer，标准银行集团品牌与市场部负责人 TD 38 由特里尔·施密特（Tyrrell Sc ...

[Table_Page] 投资策略周报|银行 证券研究报告 [Table_Title] 银行投资观察 20260315 通胀回升的金融影响推导 | [Table_Gr ade] 行业评级 | 买入 | | --- | --- | | 前次评级 | 买入 | | 报告日期 | 2026-03-15 | [Table_Summary] 核心观点： 可能的金融影响：第一，随着名义经济的回升，长债利率将向上突破震 荡区间上沿。超长端利率上行已经持续一年，十年期国债利率震荡格局 预计也将向上突破。央行结构性货币政策对非银同业活期调整可能是 今年最后一次利率政策工具，考虑到物价逐渐回升环境，货币政策的 "灵活"大概率指的是方向灵活，"高效"可能意味着不再动用价格型 政策工具。第二，金融市场风偏阶段性下降，实物资产名义回报率上升 将驱动资本追逐实体资产，同时名义经济回升也意味着广谱资产流动 性的收缩，流动性驱动的估值扩张可能会变慢，资产市场可能从流动性 驱动转向盈利驱动，这一过程转换可能金融资产会先经历一轮逆风期。 第三，短期看风偏和油价上涨驱动了美元的避险和交易需求，但长期看 资本流向的底层逻辑依然是安全性驱动，中东动荡 ...

Core Viewpoint - The frequent changes in bank executives since 2025 reflect a deeper logic aimed at promoting high-quality development within the banking sector [2][8]. Group 1: Executive Changes - Zhang Jingke has been officially approved as the new president of Hangzhou Bank as of February 28, 2025, marking a significant leadership change [4]. - The wave of executive changes since 2025 includes major state-owned banks and joint-stock banks, with several banks such as Agricultural Bank of China, Bank of China, and China Construction Bank undergoing leadership transitions [6][7]. Group 2: Performance Metrics - As of the end of 2025, Hangzhou Bank reported total assets of 236.49 billion, an increase of 11.96% year-on-year; total loans of 107.19 billion, up 14.33%; and total deposits of 144.06 billion, rising by 13.20% [5]. - The bank's wealth management subsidiary has over 600 billion in outstanding wealth management products, reflecting a 39% growth compared to the previous year [5]. - The non-performing loan ratio stands at 0.76%, unchanged from the previous year, while the ratios of overdue loans to non-performing loans and overdue loans over 90 days to non-performing loans have decreased by 16.87 and 10.17 percentage points, respectively [5]. Group 3: Underlying Logic of Executive Changes - The banking sector is facing challenges such as rapid financial technology development, intensified market competition, and increasing regulatory requirements, prompting the need for executive changes to facilitate high-quality development [9]. - The shift from a scale-driven to a value-driven model in banking is essential due to adjustments in interest rates and pressures related to deposit migration, necessitating a transformation in profitability and operational logic [9]. - The rapid advancement of financial technology is disrupting traditional banking models, requiring banks to accelerate digital transformation and innovate products and services to meet diverse customer needs [9].

Investment Rating - The report maintains a positive outlook on the insurance sector, indicating a high cost-performance ratio for investment opportunities [2][11] Core Views - The insurance sector has experienced significant adjustments due to pessimistic narratives surrounding AI, geopolitical conflicts, and investor concerns about the investment performance of the insurance sector. However, the valuation has dropped to historically low levels, suggesting a high cost-performance ratio for investment [2][11] - The banking sector is expected to see a stabilization in interest margins due to marginal improvements in both assets and liabilities, with non-interest income likely to recover as the equity market rebounds [3][20] Summary by Sections Insurance Sector - The insurance sector's index fell by 2.10%, underperforming the CSI 300 index by 2.28 percentage points. The sector has seen a cumulative decline of over 9% this year, with current valuations indicating significant room for recovery [2][11] - The sector's price-to-earnings value (PEV) is at 0.65x for A-shares and 0.42x for H-shares, indicating potential recovery spaces of 53% and 137% respectively [11] - The long-term core logic of improvement in both assets and liabilities remains unchanged, with expectations for dual recovery in valuation and performance as market sentiment improves [2][11] Brokerage Sector - The brokerage sector index decreased by 1.75%, underperforming the CSI 300 index by 1.94 percentage points. The sector's price-to-book (PB) ratio is at 1.27x, indicating a significant mismatch between earnings and valuation [17][18] - The "14th Five-Year Plan" emphasizes the need for comprehensive reforms in the capital market, which will benefit leading brokerages with strong service capabilities [17][18] - Recommendations include focusing on large brokerages with strong fundamentals and low valuations, as well as those undergoing mergers or restructuring [18][19] Banking Sector - The banking sector index increased by 1.39%, outperforming the CSI 300 index by 1.20 percentage points. The sector's PB ratio is at 0.52x [20][21] - Expected improvements in both asset and liability sides are anticipated to stabilize interest margins, with a projected decrease in the average cost of interest-bearing liabilities by 40 basis points in 2025 [20][21] - The overall asset quality is expected to remain stable, with non-performing loans in corporate real estate and non-real estate consumer credit anticipated to stabilize at high levels [22][23] - Recommendations include focusing on high-dividend large banks and those with strong recovery potential in performance [23]

[Table_Page] 跟踪分析|银行 证券研究报告 [Table_Title] 银行行业 降准降息预期走弱 ——银行资负跟踪 20260315 [Table_Summary] 核心观点： [Table_Gr ade] 行业评级 买入 前次评级 买入 报告日期 2026-03-15 [Table_PicQuote] 相对市场表现 -10% -3% 4% 10% 17% 24% 03/25 05/25 08/25 10/25 12/25 03/26 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 | | | gflinhu@gf.com.cn | 请注意，倪军并非香港证券及期货事务监察委员会的注册 | | | 持牌人，不可在香港从事受监管活动。 | | | [Table_ 相关 ...

格隆汇3月15日｜截至2026年3月15日8时，全球金价呈现大幅回落态势，国际、国内市场同步走跌，整 体跌破关键价位，市场避险情绪降温。实物黄金领域，品牌金饰报价小幅回落，周大福、周大生足金零 售价为1557元/克，老凤祥1552元/克；银行投资金条报价同步下调，建行龙鼎金条1135.50元/克，工行 如意金条1140.46元/克。 ...

从"一日售罄"到多只产品募集超40亿元，一度深受投资者诟病的FOF开年以来持续迎来爆发式发行潮，一 举成为今年公募行业最受瞩目的"明星品类"。 从发行热度、渠道格局到行业规模，FOF基金总规模正式突破3000亿元（注：最新规模采用2025年末规模+新 产品发行规模测算），成为行业发展的重要增长极。不仅点燃市场投资热情，更重塑了公募基金FOF领域的竞 争格局。 一日售罄成常态，FOF发行热度持续飙升 3月14日，3只FOF产品同日发布基金合同生效公告，其中中欧盈欣稳健6个月持有FOF在62天内募集了51.25亿 元，富国智安稳健90天持有FOF在16天内募集了10.97亿元，兴全安养稳健养老一年持有FOF在14天内共募集 3.36亿元。亮眼的募集成绩进一步助推市场热度攀升。 近一周以来，FOF市场迎来结募高峰，爆款产品持续涌现。招商智盈优选6个月持有FOF在3月13日宣布募集 34.13亿元，易方达如意盈泽6个月持有FOF单日募集33.83亿元，再现"一日售罄"的火爆场景。 回顾2026年开年以来的市场表现，FOF的热度一路走高，成为今年"一日售罄"基金中数量最多的品类，截至目 前，全市场已有10只FOF实现单 ...

证券之星消息，3月12日南向资金减持1.08亿股建设银行（00939.HK）。近5个交易日中，获南向资金增 持的有4天，累计净增持1306.03万股。近20个交易日中，获南向资金增持的有18天，累计净增持2.6亿 股。截至目前，南向资金持有建设银行（00939.HK）349.35亿股，占公司已发行普通股的14.52%。 中国建设银行股份有限公司是一家商业银行。该银行主营业务分为公司银行业务，包括企业存款、企业 信贷、资产托管、企业年金、贸易融资、国际结算、国际融资和增值服务等；个人银行业务，包括个人 储蓄、贷款、银行卡服务、私人银行服务、外汇买卖和黄金买卖等，以及资金业务。该银行在中国国内 及海外市场开展业务。 以上内容为证券之星据公开信息整理，由AI算法生成（网信算备310104345710301240019号），不构成 投资建议。 ...