Core Viewpoint - The article discusses the implementation of a loan interest subsidy policy for small and micro private enterprises, aimed at reducing financing costs and stimulating private investment in key industries as per the directives of the central government [1]. Group 1: Policy Scope - The loan interest subsidy policy applies to fixed asset loans and new policy financial tool funds for small and micro private enterprises starting from January 1, 2026, targeting key industry chains and their upstream and downstream sectors [1]. Group 2: Supported Industries - The policy supports various key industries including but not limited to new energy vehicles, industrial mother machines, pharmaceuticals, medical equipment, basic software, industrial software, civil aircraft, servers, mobile communication devices, new displays, instruments, industrial robots, rail transit equipment, marine engineering equipment, agricultural machinery, and emerging fields like artificial intelligence [2]. Group 3: Subsidy Standards - The central government will provide a subsidy of 1.5 percentage points on the principal of eligible loans for a maximum term of 2 years, with a cap of 50 million yuan per borrower. For example, a manufacturer of agricultural machinery could save 1.5 million yuan in interest expenses on a 50 million yuan loan over 2 years [3]. Group 4: Policy Duration - The policy is initially set to last for one year, with the possibility of extension based on further evaluations by relevant authorities [4]. Group 5: Loan and Subsidy Process - Eligible enterprises can apply for loans directly, providing necessary documentation. The bank will approve loans based on market principles and will handle the subsidy payments without charging any service fees [6][7][9]. Group 6: Compliance and Penalties - The bank will monitor the use of loan and subsidy funds, and any serious violations by the enterprises may result in the recovery of subsidy funds [8].

Core Viewpoint - The article emphasizes the comprehensive upgrade of China Construction Bank's mobile banking services, focusing on user-centric financial solutions, innovative technology, and enhanced service capabilities to provide a seamless digital financial experience [5][42]. Group 1: Wealth Management Solutions - The bank offers a full range of wealth management solutions tailored to meet diverse investment needs, ensuring personalized product recommendations for both novice and experienced investors [6][8]. - The "Dragon Money Treasure 1" product allows users to enjoy investment returns while maintaining liquidity for daily expenses, with an average annualized return of 7% as of July 11 [10][12]. Group 2: Loan Services - The bank has streamlined its loan services, enabling users to easily calculate their loan eligibility online without cumbersome processes, with consumer loans starting at an annual interest rate of 5.68% [16][18]. - Customized loan solutions are available, allowing users to select loan products that best fit their individual needs, including options for small and micro enterprises as well as agricultural loans [17][18]. Group 3: Cost-saving Services - The bank has enhanced its utility payment services, providing timely reminders for bills and offering discounts for prompt payments, such as a WeChat discount for immediate bill payments [20][24]. - The "Construction Bank Savings Card" offers monthly discounts and rewards for meeting spending thresholds, promoting cost-saving opportunities for users [23][25]. Group 4: User Experience Enhancements - The mobile banking app has undergone significant improvements to ensure a smooth and efficient user experience, with features like precise search capabilities and seamless identity verification processes [30][35]. - The introduction of conversational banking services allows users to perform transactions and inquiries through natural language commands, significantly increasing operational efficiency [38][40]. Group 5: Technological Innovations - The bank's mobile banking platform leverages advanced technology to provide a more intelligent and user-friendly experience, aiming to democratize access to financial services across different demographics [35][43]. - The proactive service model anticipates user needs by monitoring asset changes and risk preferences, offering timely financial advice and loan assessments [41][42].

尊敬的中国建设银行客户： 为深入贯彻党中央、国务院关于促进民营经济发展壮大、激发民间投资活力及大力提振消 费、全方位扩大国内需求的决策部署，降低中小微企业及服务业经营主体融资成本，充分挖掘经 济潜能，我行依据《关于实施中小微企业贷款贴息政策的通知》（财金〔2026〕4号）和《关于 优化实施服务业经营主体贷款贴息政策的通知》（财金〔2026〕5号）有序开展贷款贴息相关工 作。 对2026年1月1日起我行发放的、符合上述通知要求的中小微企业固定资产贷款、参与项目使 用的新型政策性金融工具资金及服务业经营主体贷款进行贴息支持。2025年3月16日至2025年12 月31日期间发放的服务业经营主体贷款，仍按《服务业经营主体贷款贴息政策实施方案》（财金 〔2025〕81号）等有关规定执行贷款贴息。我行将优化办理流程，简化办理手续，推动政策尽快 实施。 感谢您长期以来给予我行的大力支持！ 中国建设银行股份有限公司 2026年1月29日 我行办理中小微企业及服务业经营主体贷款贴息不收取任何服务费用，没有委托官方渠道以 外的任何机构、人员代为办理，请广大客户谨防各种形式的诈骗，保障财产和信息安全。 特此公告。 ...

Group 1 - The State Intellectual Property Office of China shows that China Construction Bank Corporation and Jianxin Financial Technology Co., Ltd. have applied for a patent titled "Data Processing Method, Device, Medium, and Product for Foreign Exchange Swap Business," with publication number CN121414491A and application date of October 2025 [1] - The patent abstract indicates that the application provides a data processing method for foreign exchange swap business, which includes obtaining cash flow data and financial market data, determining exchange rate risk indicators, and managing subscription channels for different swap cash flow data [1] - The method aims to address inefficiencies in risk management and lack of quantitative capabilities caused by reliance on manual experience in existing technologies [1] Group 2 - China Construction Bank Corporation, established in 2004 and located in Beijing, primarily engages in monetary financial services with a registered capital of 26,160,038.1459 thousand RMB [2] - The bank has invested in 37 enterprises, participated in 5,000 bidding projects, and holds 1,894 trademark records and 5,000 patent records, along with 149 administrative licenses [2] - Jianxin Financial Technology Co., Ltd., founded in 2018 and based in Shanghai, focuses on software and information technology services with a registered capital of 172,972.9729 thousand RMB [2] - The company has invested in 6 enterprises, participated in 4,334 bidding projects, and possesses 296 trademark records and 5,000 patent records, in addition to 10 administrative licenses [2]

2026山东两会 代表委员声音 人网 山东 文志军介绍，过去一年，山东建行深度融入全省发展大局，在服务重大国家战略上取得显著成效。分行 统筹推进服务黄河流域生态保护和高质量发展、绿色低碳高质量发展先行区建设两大战略，沿黄九市对 公贷款新增近700亿元。在服务海洋强省建设方面，与相关部门深化战略协同，签约以来涉海企业信贷 规模持续扩大，计划五年内提供800亿元信贷资金支持海洋产业发展。围绕乡村振兴齐鲁样板打造，创 新推出"圈链群"服务模式，涉农贷款余额超2300亿元，连续五年在乡村振兴监管考核中获评"优秀"。 "2026年是'十五五'的开局之年，具有承前启后的重要意义。"文志军表示，"我们要用金融之力全力服务 山东打造北方地区经济重要增长极，勇当服务实体经济的主力军、支持内需扩容增效的引领者、助力发 展新质生产力的领军者、服务高水平对外开放的排头兵、推动区域协调发展的生力军"。山东建行将继 续锚定山东"走在前、挑大梁"的总定位、新要求，不断增强服务国家建设能力、防范金融风险能力、参 与国际竞争能力，扎实做好金融"五篇大文章"，以更高水平的金融服务，为山东经济社会高质量发展贡 献建行力量。(乔姝、实习生王瑾瑄) ...

内容概要：随着房地产行业步入平稳发展新常态，叠加储蓄利率市场化持续下行的趋势，大众投资理财 需求正从单一的保值诉求，向多元的增值目标进阶，在此背景下，国民资产配置结构发生显著调整，资 金正从传统的储蓄、房地产领域，加速向标准化的权益类、固收类基金产品迁移，基金作为专业的资产 管理载体，在承接居民财富迁移浪潮中具备广阔的发展空间，据中国证券投资基金业协会数据显示，截 止2025年10月我国基金数量151286只，其中，公募基金13381只，私募基金137905只；基金规模 590112.3亿元，其中，公募基金3269598.5亿元，私募基金220513.8亿元，目前，我国多层次的基金产品 体系已初步形成，能够有效适配居民多元化的财富管理需求。 相关上市企业：广发证券（000776）、招商银行（600036）、中国银行（601988）、建设银行 （601939）、兴业证券（601377） 相关企业：广发基金管理有限公司、招商基金管理有限公司、中银基金管理有限公司、建信基金管理有 限责任公司、兴证全球基金管理有限公司、易方达基金管理有限公司、华夏基金管理有限公司、南方基 金管理股份有限公司、富国基金管理有限公司、天 ...

科技创新债券发行业务 国家开发银行 中国农业银行股份有限公司 中国银行股份有限公司 交通银行股份有限公司 上海浦东发展银行股份有限公司 中信银行股份有限公司 兴业银行股份有限公司 中国邮政储蓄银行股份有限公司 中国进出口银行 中信证券股份有限公司 国泰海通证券股份有限公司 华泰证券股份有限公司 年度债市领军人物 << 中国农业银行资产负债管理部总经理 壬雷勇 陈颖轩 中国建设银行资产托管业务部总经理 王海璐 中国工商银行金融市场部总经理 宋福宁 中国银行金融市场部总经理 国家开发银行资金部副总经理 于会服 蔭宏立 上海东东发展银行金$市场总监。 首席经济学家、研究院执行院长 8 裝 交通银行金融市场部总经理 牛天雪 中国农业发展银行资金部副总经理 年度开拓贡献机构 ~~ 年度债市领军机构 200 中国农业银行股份有限公司 中国建设银行股份有限公司 中国工商银行股份有限公司 中国银行股份有限公司 国家开发银行 上海浦东发展银行股份有限公司 交通银行股份有限公司 中国农业发展银行 中信银行运营管理部总经理 凯 林榕辉 兴业银行资金营运中心总经理 郭佳鹏 中国邮政储蓄银行金融市场部副总经理 高 此 中国进出口银行资 ...

Core Viewpoint - The new policy on credit card installment interest subsidies aims to enhance consumer spending by including credit card bill installment services in the subsidy scope, thereby reducing the financial burden on consumers and stimulating consumption potential [1][4]. Group 1: Policy Implementation - The Ministry of Finance, the People's Bank of China, and the National Financial Regulatory Administration issued a notification that includes credit card bill installment services in the subsidy scope with a uniform annual subsidy rate of 1% [1]. - Major state-owned banks and some joint-stock banks have quickly responded by releasing implementation details, simplifying processes, and enhancing risk control measures to ensure effective policy execution [2][3]. - The policy reflects a strong public demand for support in consumer financing, aligning with the principle of "people-centered" policy design [2]. Group 2: Consumer Benefits - The subsidy allows consumers to save approximately 270 yuan in interest over a year when using a 50,000 yuan credit card bill divided into 12 installments [4]. - The policy is expected to significantly alleviate financial pressure on large purchases such as home appliances, cars, and education, thus converting latent consumer demand into actual purchasing behavior [4][5]. - The annual cap for total subsidies has been raised to 3,000 yuan per borrower, with the removal of previous limits on single transaction subsidies [5]. Group 3: Bank Responses and Services - Six major banks have clarified that existing customers with signed agreements will automatically benefit from the new policy without needing to re-sign [2]. - Banks like Agricultural Bank and Postal Savings Bank have outlined the steps for new customers to apply for the credit card installment interest subsidy, emphasizing a simplified process [2][3]. - The banks have committed to not charging any fees for processing the subsidy applications, ensuring a cost-free experience for consumers [8]. Group 4: Market Impact and Growth Potential - The policy is anticipated to drive growth in credit card installment services, especially as consumer awareness increases leading up to the Spring Festival [6]. - Smaller financial institutions are also preparing to implement similar measures, which will help extend the benefits to lower-tier cities and meet diverse consumer needs [6]. - The inclusion of credit card installments in the subsidy program is seen as a crucial step in supporting consumption expansion and improving the quality of financial services [7].

Core Viewpoint - The recent optimization and upgrade of the personal consumption loan interest subsidy policy aims to enhance consumer credit support and stimulate consumption through various measures, including extending the policy duration, expanding the subsidy scope, and increasing the subsidy standards [1][2][3]. Group 1: Policy Enhancements - The policy implementation period has been extended to September 1, 2025, through December 31, 2026, providing a longer support cycle for consumer credit [2]. - The subsidy scope has been expanded by removing the previous restriction on consumption fields for loans of 50,000 yuan and above, allowing for broader application [2][3]. - The subsidy standards have been optimized by eliminating the previous caps on single transaction subsidies and cumulative subsidies for amounts below 50,000 yuan, while maintaining an annual cap of 3,000 yuan per borrower at a single institution [3][4]. Group 2: Credit Card Bill Installment Subsidy - The most notable change is the inclusion of credit card bill installment payments in the subsidy program, with a subsidy rate of 1% applicable from January 1, 2026, to December 31, 2026 [4][5]. - This initiative aims to lower the financing costs for consumers using credit cards, thereby stimulating consumption and increasing merchant revenues [4][6]. - Banks are rapidly implementing operational processes for the new credit card installment subsidy to ensure quick policy execution [5][7]. Group 3: Risk Management and Process Optimization - Banks are focusing on simplifying application processes and enhancing risk management to prevent misuse of subsidy funds while ensuring effective policy implementation [7][8]. - Digital technologies are being leveraged to facilitate online processing of subsidy applications, allowing borrowers to manage their applications through mobile and online banking platforms [7]. - Strict measures are in place to prevent fraudulent activities related to subsidy applications, with banks retaining the right to recover funds in cases of non-compliance [8].

来源：中国基金报 1月28日，建设银行发布公告称，唐朔担任该行副行长的任职资格已经获得国家金融监督管理总局核 准，正式就任副行长。 新添一位"75后"副行长 建设银行公告称，该行董事会已于2025年12月23日审议通过了关于聘任唐朔担任该行副行长的议案。同 时，国家金融监督管理总局已经核准唐朔的任职资格，其正式就任副行长。 记者了解到，建设银行的新副行长唐朔出生于1978年，是一位"75后"，此前曾长期深耕于交通银行系 统，曾担任广东、北京、江西等多地分行行长等职，此番履新系跨系统而来。 公开资料显示，唐朔，1978年11月出生，现年47岁，高级经济师，其于2001年获西安交通大学法学学士 学位，2018年获北京交通大学工程硕士学位。曾任交通银行北京望京支行行长、北京市分行个人金融业 务部总经理、公司机构业务部（投资银行部）副总经理等职务。 2016年4月至2018年7月，唐朔先后任交通银行北京市分行行长助理、副行长；2018年7月至2021年3月先 后任交通银行江西省分行副行长、行长；2021年3月至2025年12月先后任交通银行广东省分行行长、北 京市分行行长。 2025年10月至2025年12月，唐朔任 ...