Core Viewpoint - The recent completion of public fund fee reform has prompted commercial banks to actively adapt by launching customized products, particularly in the FOF (Fund of Funds) sector, indicating intensified competition among leading banks in fund distribution [1][2]. Group 1: Bank Initiatives - China Construction Bank has launched a customized FOF brand "Longying FOF," following the introduction of "TREE Changying Plan" by China Merchants Bank, marking a significant entry into the customized FOF market by major banks [1]. - The "Longying FOF" aims to provide a one-stop asset allocation service, addressing the challenge of fund selection for retail investors through diversified strategies and strict risk control [1]. Group 2: Market Drivers - Three core drivers for banks' engagement in customized FOFs include: 1. The pressure on yields from fixed-income products, necessitating product innovation to enhance competitiveness [2]. 2. The public fund fee reform has reduced traditional profit margins from subscription fees and trailing commissions, pushing banks to enhance service value through customized products [2]. 3. Upgraded investor demand for tailored financial solutions that customized FOFs can meet effectively [2]. Group 3: Industry Transformation - The shift towards customized FOFs is expected to reshape the banking business landscape by transitioning revenue sources from front-end sales fees to ongoing management fee sharing linked to asset management scale, thereby improving the quality and stability of intermediary income [2]. - The product holding period mechanism is anticipated to reduce frequent redemptions, enhancing client asset stability and loyalty [2]. - The strategic shift will compel banks to enhance their professional capabilities, moving from merely introducing products to becoming buyer advisors, thereby strengthening their client service capabilities [2]. Group 4: Future Outlook - With the migration of household wealth towards financial assets and strong demand for stable investment options, banks are positioned to become key players in the FOF market due to their extensive customer reach and inherent trust [3]. - If banks successfully leverage their channels and gain market acceptance, the scale of customized FOFs is expected to grow significantly, capturing a substantial market share [3]. - The long-term sustainability of this business will depend on banks' ability to establish matching professional asset allocation capabilities and consistently deliver quality holding experiences for investors [3].

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。 证券之星消息，1月5日南向资金增持1.4亿股建设银行（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1.72亿股。近20个交易日中，获南向资金减持的有12天，累计净减持1044.31万 股。截至目前，南向资金持有建设银行（00939.HK）339.92亿股，占公司已发行普通股的14.13%。 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。 ...

Core Viewpoint - The recent completion of public fund fee reform has prompted commercial banks to actively adapt by launching customized products, particularly in the field of customized Fund of Funds (FOF) [1][2]. Group 1: Customized FOF Launches - China Construction Bank has launched a customized FOF brand "Longying FOF," following the introduction of "TREE Changying Plan" by China Merchants Bank, indicating intensified competition among leading banks in the fund distribution sector [1]. - "Longying FOF" aims to provide a one-stop asset allocation service for investors, addressing the challenge of selecting funds by offering diversified asset allocation strategies while controlling investment risks [1]. Group 2: Drivers Behind Customized FOF - Three core drivers for banks' engagement in customized FOFs include: 1. The pressure on yields of fixed-income wealth management products, necessitating product innovation to enhance competitiveness [2]. 2. The public fund fee reform has reduced traditional profit margins from subscription fees and trailing commissions, pushing banks to enhance service value through customized products [2]. 3. Upgraded investor demand for wealth management, which can be precisely matched by customized FOFs [2]. Group 3: Impact on Banking Business Model - The shift towards customized FOFs is expected to reshape the banking business landscape by transitioning revenue sources from front-end sales fees to ongoing management fee sharing linked to asset management scale, thereby improving the quality and stability of intermediary business income [2]. - The product holding period mechanism is anticipated to reduce frequent subscriptions and redemptions, enhancing customer asset stability [2]. - This strategic shift will compel banks to enhance their professional capabilities, moving from a "product introduction" model to a "buy-side advisory" model, thereby strengthening customer service [2]. Group 4: Future Outlook - The customized FOF market is likely to see significant growth, especially among large banks with strong customer bases, leading to a market structure where leading institutions drive the industry while smaller banks follow based on their resource endowments [2]. - Banks are positioned to become key players in the FOF market due to their extensive customer reach and inherent trust advantages, with the potential for substantial market share if they successfully leverage their channels [3].

在不少银行人看来，这种互助是无奈之举，"每天下班前要在工作群里发当天企微添加情况的截图""一 天要加十几个，完不成会通报"…… 不仅如此，既然是考核，便会伴随相应的奖惩机制。华夏银行华南地区某分支机构的客户经理告诉记 者，他们要求企微每个月需添加50人，若达不到数量则会被扣减300元。据了解，类似的指标考核在业 内并不鲜见，例如"少一个扣50元""未达到一个季度扣1000元"，令不少银行员工感到压力山大。 银行为何要求考核企业微信添加？在行业整体面临零售"阵痛"的当下，以企微为代表的私域运营是否真 的能够带动零售业务破局？ 奖惩并施之下，社交平台涌现银行企微"互助" 每经记者｜李玉雯 每经编辑｜廖丹 刚刚过去的2025年末，银行人再次为指标"疯狂"，这次不是存贷款、信用卡等司空见惯的任务，而是企 业微信添加考核。 记者注意到，工行、农行等多家银行客户经理在朋友圈晒出自己的企业微信二维码"求加"，不仅如此， 社交平台更是涌现出大量银行企微"互加"的帖子，不同银行员工之间互相以自己的个人微信添加对方的 企业微信。 与之相随的还有"真金白银"的奖惩措施。 一位贵州农信机构的员工称，他们对企业微信客户添加的指标进行计 ...

| | 中国建设 银行股份 | | 对中国建设银 行股份有限公 | | | --- | --- | --- | --- | --- | | | 有限公司 | 贷款业务严重违反审值经营规 | 司江门市分行 | 江门金融监 | | 3 | 江门市分 | 应 | 合计罚款64 | 管分局 | | | 行及相关 | | 万元。对丘陵 | | | | 圭任人员 | | 给予警告。 | | 责任编辑：曹睿潼 责任编辑：曹睿潼 1月5日金融一线消息，国家金融监督管理总局江门监管分局行政处罚信息公示列表显示，中国建设银行 股份有限公司江门市分行及相关责任人员贷款业务严重违反审慎经营规则，中国建设银行股份有限公司 江门市分行被罚款64万元，丘陵被给予警告。 1月5日金融一线消息，国家金融监督管理总局江门监管分局行政处罚信息公示列表显示，中国建设银行 股份有限公司江门市分行及相关责任人员贷款业务严重违反审慎经营规则，中国建设银行股份有限公司 江门市分行被罚款64万元，丘陵被给予警告。 | | 中国建设 | | 对中国建设银 | | | --- | --- | --- | --- | --- | | | 银行股份 | | 行股份有 ...

| 序号 | 当事人名称 | 主要违法违规行 | 行政处罚内容 | 作出决 | | --- | --- | --- | --- | --- | | | | 为 | 对中国农业 | 定机关 | | | | | 银行股份有 限公司福州 台江支行合 | | | | 中国农业银 | | | | | | 行股份有限 | | 计处以80万 | 福建金 | | | | 违规办理银行 | 元罚款,禁 | | | 1 | 公司福州台 | | | 融监管 | | | | 卡业务 | 止吴伟从事 | | | | 江支行及相 | | | 局 | | | | | 银行业工作5 | | | | 关责任人 | | 年,禁止林 | | | | | | 圣超从事银 | | | | | | 行业工作5年 | | 来源：国家金融监督管理总 2026年伊始，国家金融监督管理总局密集披露行政处罚信息，多家银行机构及相关责任人因存在违法违规经营行为被依法追责，处罚情形涵盖非现场监管 报表数据错报、违规办理银行卡业务、贷款"三查"不到位、票据业务审核不严等多个领域，彰显了监管部门持续强化金融监管、维护金融市场秩序的决 心。 2026年1月1日，国家金融监 ...

来源：行长要鉴 在近年行业"降本增效"的大背景下，国有五大行的员工、高管2024年都领了多少年薪呢？ 日前，国有大行相继披露了2024年度工资分配信息情况。整体上看，职工平均薪酬普遍增长，而高管层 则在严格落实限薪要求，两者收入走势呈现出明显的分化。 员工人均薪酬方面，在已披露数据的五大行中，员工人均年收入均实现了不同程度的上涨。 | | | 2024年五大行人均薪酬情况 | | | | --- | --- | --- | --- | --- | | 银行名称 | 清算的工资总额(亿元) | 职工人数(万人) | 职工年均工资(万元) | 较上年增长(%) | | 交通银行 | 286.85 | 9.07 | 31,64 | 0.7 | | 中国银行 | 791.14 | 31.13 | 25.41 | 2.3 | | 农业银行 | 1078.95 | 45.52 | 23.7 | 5.2 | | 建设银行 | 882.76 | 37.69 | 23.42 | 3.3 | | 工商银行 | 957.47 | 41.38 | 23.14 | 2.4 | | | | 注*:数据来源于五大行官网2024年工资分配信 ...

证券之星消息，1月5日国有大型银行板块较上一交易日下跌1.21%，农业银行领跌。当日上证指数报收 于4023.42，上涨1.38%。深证成指报收于13828.63，上涨2.24%。国有大型银行板块个股涨跌见下表： | 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 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601939 建设银行 | | -1777.03万 | -1.94% | -1562.64万 | -1.70% | 3339.67万 | 3.64% | | 601988 中国银行 | | -4664.15万 | -2.37% | 5324.37万 | 2.71% | -660.22万 | -0.34% | | 601658 邮储银行 | | -6707.48万 | -7.97% | 1465.24万 | 1.74% | 5242.24万 | 6.23% | | 601328 交通银行 | | -7185.14万 | -7.21% | 9983.21万 | ...

股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2025年12月31日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 中國建設銀行股份有限公司 FF301 呈交日期: 2026年1月5日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 00939 | 說明 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 240,417,319,880 | RMB | | 1 RMB | | 240,417,319,880 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 240,417,319,880 | RMB | | 1 RMB | | 240,417,319,880 | | 2. 股份分類 ...

1月5日金融一线消息，国家金融监督管理总局茂名监管分局行政处罚信息公开表显示，中国建设银行股 份有限公司茂名市分行因贷款管理严重违反审慎经营规则、保理业务管理严重违反审慎经营规则，被茂 名金融监管分局罚款170万元。相关责任人一同被罚，茂名金融监管分局对对张国清、谭宏伟分别给予 警告，对陈智光给予警告并处罚款10万元。 | | | | 对中国建设银 行股份有限公 司茂名市分行 | | | --- | --- | --- | --- | --- | | | 中国建设 | | 罚款170万 | | | | 银行股份 | 贷款管理严重违反审慎经营规 | 元。 | | | 2 | 有限公司 | 则；保理业务管理严重违反审慎 | | 茂名金融监管 | | | 茂名市分 | | 对张国清、谭 | 分局 | | | 行及相关 | 经营规则 | 宏伟分别给予 | | | | 责任人 | | 警告，对陈智 | | | | | | 光给予警告并 | | | | | | 处罚款10万 | | | | | | 元。 | | 责任编辑：李琳琳 1月5日金融一线消息，国家金融监督管理总局茂名监管分局行政处罚信息公开表显示，中国建设银行股 ...