Core Viewpoint - China Construction Bank has officially launched the Longying Plan, entering the FOF market to provide customized asset allocation services for investors, following the lead of other major banks like China Merchants Bank [2][5]. Group 1: Launch of Longying Plan - The Longying Plan was launched on January 1, marking a significant move by China Construction Bank into the customized FOF sector [2]. - The plan aims to address the challenges faced by retail investors in selecting funds, offering a comprehensive asset allocation service [5]. Group 2: Market Context and Growth - The FOF market has seen explosive growth, with total assets reaching 235.54 billion yuan by the end of November 2025, a nearly 70% increase from the end of 2024 [2]. - The entry of China Construction Bank is expected to stimulate further activity in the FOF sector, potentially leading to a surge in new product issuances [2]. Group 3: Product Offerings - The Longying Plan includes various FOF products categorized by risk and return profiles, such as low-volatility multi-asset FOFs and global investment FOFs [8]. - Currently available products include several three-month holding period FOFs from various fund companies, with more products expected to be launched soon [8]. Group 4: Strategic Insights - The success of China Merchants Bank's Longying Plan has demonstrated the market potential for FOFs, encouraging other banks to adopt similar strategies [9]. - The demand for stable and professionally managed investment tools in a low-interest-rate environment has made FOFs an attractive option for banks and investors alike [9][12]. Group 5: Future Outlook - The trend towards customized FOFs is anticipated to continue, with banks leveraging their client bases and distribution channels to enhance asset allocation services [13][14]. - Regulatory support and growing market demand for stable returns are expected to further facilitate the expansion of customized FOFs [15].

Core Viewpoint - China Construction Bank has officially launched the Longying Plan, entering the FOF market to provide customized asset allocation services for investors [2][4]. Group 1: FOF Market Overview - The FOF market has seen rapid growth, with total assets reaching 235.544 billion yuan by the end of November 2025, marking an increase of nearly 70% compared to the end of 2024 [2]. - The entry of major banks like China Construction Bank is expected to stimulate further issuance of FOF products, potentially leading to a surge in the market [2][4]. Group 2: Longying Plan Details - The Longying FOF is designed to address the challenges of selecting funds, offering a one-stop asset allocation service that includes various strategies to balance risk and return [7][8]. - The Longying Plan features four main series of products: customized low-volatility multi-asset FOF, medium-low volatility multi-asset FOF, ETF-FOF, and global investment FOF [11]. Group 3: Market Trends and Drivers - The success of the招商银行 TREE Longying Plan has demonstrated the market potential for FOFs, encouraging other banks to follow suit [12]. - The shift towards customized FOFs is driven by the need for stable and professional investment tools in a low-interest-rate environment, aligning with the preferences of bank clients [12][15]. Group 4: Future Outlook - The trend of banks adopting customized FOFs is expected to continue, with predictions that this segment will become a key growth area for the FOF market over the next 2-3 years [17][18]. - The regulatory environment and increasing demand for stable returns from long-term funds like pension and insurance are favorable for the expansion of customized FOFs [18].

Group 1 - The six major state-owned banks in China announced that starting from January 1, 2026, they will pay interest on the balances of real-name digital RMB wallets at the same rate as current deposit rates, which is currently set at 0.05% [1] - This move makes China the first economy to offer interest on central bank digital currency [1]

今天，数字人民币正式迈入"计息"时代，用户实名钱包里的余额能"钱生钱"了。 图片截取自工商银行官方网站 六大行集体官宣 图片截取自农业银行官方网站 2025年12月31日，工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行集体发布关于数字 人民币重磅公告。公告称，自2026年1月1日（含）起，将为客户开立在该行的数字人民币实名钱包余 额，按照活期存款挂牌利率计付利息，计结息规则与活期存款一致。 这意味着，存放在这些钱包里的数字人民币，将和传统银行活期存款一样，开始产生收益。目前，几家 大行官网显示的活期存款挂牌利率为0.05%。 图片截取自工商银行官方网站 值得注意的是，并非所有数字人民币钱包都能享受计息。 数字人民币现金型1.0版迈入存款货币型2.0版，一大变化点是由央行对客户负债，变成了商业银行对客 户负债。为何会出现这一变化？ 中国人民银行党委委员、副行长陆磊在撰文中指出，数字现金作为中央银行对公众的负债，理论上不需 要商业银行等金融机构参与运营维护。但是在研发试点中，数字现金与流通中纸币的权责关系存在明显 差异。商业银行是数字钱包开立、场景开发和技术维护不可或缺的运营者，其服务伴随数字现金流通 ...

业内人士指出，对数字人民币钱包余额计付利息后，中国将成为首个为央行数字货币计息的经济体。 2025年12月31日，工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行六大国有行接连发 布公告，自2026年1月1日起，将为数字人民币实名钱包余额按照活期存款挂牌利率计付利息，计结息规 则与活期存款一致。 六大国有行集体官宣 根据六大国有行公告，客户开设的数字人民币实名钱包（包含一类、二类、三类个人钱包和单位钱包） 余额，将按照该行公布的活期存款挂牌利率计付利息。券商中国记者梳理六大行官网发现，当前活期存 款挂牌利率为0.05%。 其中，建设银行、交通银行公告指出，如客户开立的数字人民币钱包为四类个人钱包，则钱包内的余额 不计付利息。 数字人民币大消息！ 董希淼指出，对商业银行而言，数字人民币存款可以成为银行可运用的资金来源，银行商业推广的内在 动力将增强；银行还可以围绕计息数字钱包开发更多存款、理财及信贷产品，进一步打造"支付+金 融"的综合生态。 数字人民币使用场景再拓展 近日，中国人民银行出台了《关于进一步加强数字人民币管理服务体系和相关金融基础设施建设的行动 方案》（简称《行动方案》），新一代数字人民 ...

Core Viewpoint - Starting from January 1, 2026, six major state-owned banks in China will pay interest on the balances of real-name digital RMB wallets at the same rate as current deposit rates, marking China as the first economy to offer interest on central bank digital currency [1][2][5]. Group 1: Announcement from Major Banks - The six major state-owned banks include Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank of China [1][3]. - The current interest rate for current deposits is 0.05% [3]. - Only real-name digital RMB wallets (categories one, two, and three) will earn interest, while category four wallets, which are non-real-name and used for anonymous payments, will not [3][4]. Group 2: Digital RMB Usage and Statistics - As of November 2025, digital RMB has processed 3.48 billion transactions with a total transaction amount of 16.7 trillion yuan [4]. - There are 230 million personal digital RMB wallets and 18.84 million unit wallets opened [4]. - The cross-border payment business using digital RMB has processed 4,047 transactions, amounting to approximately 387.2 billion yuan, with digital RMB accounting for about 95.3% of the transaction volume in various currencies [4]. Group 3: Expansion of Digital RMB Scenarios - The People's Bank of China has introduced an action plan to enhance the management and service system for digital RMB, which will officially start on January 1, 2026 [5]. - The plan allows banks to manage digital RMB wallet balances similarly to deposits, providing the same level of security as traditional deposits [5][6]. - The interest payment on digital RMB wallets is expected to increase user willingness to adopt digital RMB and expand its usage scenarios, reinforcing China's leading position in the global exploration of central bank digital currencies [5][6]. Group 4: Implications for Users and Banks - Users will benefit from interest on their digital RMB wallets, similar to current deposits, which is expected to enhance their holding willingness [6]. - The interest incentive and improved ecosystem will encourage more merchants to accept digital RMB, enriching payment scenarios [6]. - For commercial banks, digital RMB deposits can become a source of usable funds, enhancing their promotional efforts and allowing for the development of new financial products [6].

转自｜央视财经 来源：哈密零距离 中国邮政储蓄银行研究员娄飞鹏介绍，四类钱包是数字人民币个人非实名钱包，仅需手机号验证开通， 不绑定银行卡，属匿名性质，多用于小额匿名支付场景。实名钱包（一、二、三类）则需不同程度身份 核验。相关公告限定，凸显了对实名制与金融安全的强化要求。娄飞鹏提示，对消费者而言，需要确定 钱包类型，了解计息规则，注意钱包限额与资金安全。 2025年12月31日，工商银行、农业银行、建设银行、交通银行、邮储银行发布公告，自2026年1月1日 起，为数字人民币实名钱包余额按照活期存款挂牌利率计付利息，计结息规则与活期存款一致。 此外，建设银行公告不含四类钱包；交通银行发布的公告称，如客户开立的数字人民币钱包为四类个人 钱包，则钱包内的余额不计付利息。 ...

【导读】中国建设银行河南省分行原党委书记、行长石永拴接受纪律审查和监察调查 12月31日，据中央纪委国家监委驻中国建设银行纪检监察组、山东省纪委监委消息：中国建设银行河南省分行原党委书记、行长石永拴涉嫌严重违纪违 法，目前正接受中央纪委国家监委驻中国建设银行纪检监察组纪律审查和山东省聊城市监察委员会监察调查。 中国基金报记者 李智 金融反腐又有新进展。 公开资料显示，石永拴1962年出生，河南省林州市人，硕士研究生，高级经济师。 石永拴是中国建设银行河南省分行的"老将"。曾任中国建设银行河南省分行党委委员、副行长，2017年至2021年任河南省分行党委书记、行长。 2019年河南两会期间，石永拴作为河南省人大代表、建行河南省分行党委书记、行长曾接受采访，围绕履行国有大行社会责任、服务地方经济发展等核心 议题展开深入阐述。 此外，2017年，在第十一届中国金融业（河南）年度卓越金融家评选中，时任建行河南省分行党委书记、行长的石永拴上榜。此后，石永拴多次代表建行 河南省分行公开出席活动。 值得注意的是，曾任建行河南省分行的另一位行长——石亭峰，于2025年4月被查，10月被开除党籍。 2025年10月29日，据中 ...

【导读】中国建设银行河南省分行原党委书记、行长石永拴接受纪律审查和监察调查 中国基金报记者 李智 金融反腐又有新进展。 12 月 31 日，据中央纪委国家监委驻中国建设银行纪检监察组、山东省纪委监委消息： 中国 建设银行河南省分行原党委书记、行长石永拴涉嫌严重违纪违法 ，目前正接受中央纪委国家 监委驻中国建设银行纪检监察组纪律审查和山东省聊城市监察委员会监察调查。 公开资料显示，石永拴 1962 年出生，河南省林州市人，硕士研究生，高级经济师。 石永拴是中国建设银行河南省分行的 " 老将 " 。曾任中国建设银行河南省分行党委委员、副 行长， 2017 年至 2021 年任河南省分行党委书记、行长。 2019 年河南两会期间，石永拴作为河南省人大代表、建行河南省分行党委书记、行长曾接受 采访，围绕履行国有大行社会责任、服务地方经济发展等核心议题展开深入阐述。 此外， 2017 年，在第十一届中国金融业（河南）年度卓越金融家评选中，时任建行河南省 分行党委书记、行长的石永拴上榜。此后，石永拴多次代表建行河南省分行公开出席活动。 值得注意的是，曾任建行河南省分行的另一位行长 —— 石亭峰，于 2025 年 4 月被 ...

Core Viewpoint - The People's Bank of China (PBOC) announces the transition of digital RMB from the "digital cash era" to the "digital deposit currency era" after ten years of research and pilot programs [1] Group 1: Digital RMB Development - The PBOC's new action plan will officially implement on January 1, 2026, introducing a new measurement framework, management system, operational mechanism, and ecosystem for digital RMB [1] - Major banks including Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank will start paying interest on digital RMB wallet balances at the same rate as current deposit rates from January 1, 2026 [1] Group 2: Interest Mechanism - The introduction of an interest mechanism for digital RMB wallet balances is a significant highlight of the new action plan, aligning it with traditional savings accounts [1]