2026年，中国迈进"十五五"新征程。回望来时路，自1954年诞生之初便以"建设"为名的中国建设银行，其命运始终与国家发展的脉搏紧密相连。从第一个 五年计划的蓝图，到新时代高质量发展的画卷，哪里有立柱架梁的重大工程，哪里就有建行人的身影。七十余载与国同行，变的是金融工具与服务模式的 迭代升级；不变的是那份"因建而生，因建而兴"的红色基因与"善建不拔"的责任担当。 历史的光辉照亮前路，红色的基因注入力量。铭记，是为了更好地出发；传承，是为了更远地前行。 如今，建行携手凤凰网，共同开启《档案里的建行》系列篇章。继守护长江安澜、驰援雪域天路、护航大国重器之后，系列第四篇将目光投向中国西南腹 地——贵州。千山万壑之间，"万桥飞架"蔚为奇观，造就了地球上最为密集的桥梁博物馆。从群山封锁中的无路之困，到如今"高速平原"连接千村万寨， 一代代建行人以金融为杠杆，撬动出一条条通向小康、迈向振兴的发展之路，共同写就了一部以路桥突破天堑、以金融赋能山乡的攻坚史诗。 第四篇 共筑"黔"途 破局：于"无路之困"中 与"战略使命" 真正的考验，随着贵州第一条高速公路——凯麻高速的建设全面到来。在喀斯特地貌上修路，成本极其高昂。"要么架 ...

工商银行内蒙古自治区分行、交通银行内蒙古自治区分行、交通银行海南省分行及山西、黑龙江两省将 兑换截止日延至2月2日； 工商银行深圳市分行延长至2月1日；工商银行北京市分行、建设银行北京市分行延长至1月31日。 此次延期兑换仅面向1月13日至14日预约成功且通过核查、未在集中兑换期完成兑换的公众，需持预约 时登记的有效身份证件前往原预约网点办理。 记者丨张欣 编辑丨肖嘉 2026年马年新春临近，北京、深圳、内蒙古、山西、黑龙江等多地的工商银行、建设银行、交通银行等 承办银行陆续发布公告，宣布延长2026年贺岁纪念币、纪念钞兑换期限，明确延期细节与兑换规则，全 力保障公众兑换权益。此次延期主要针对全国统一集中兑换期结束后，部分已预约成功但未完成兑换的 币钞。 目前各地延期安排已明确： 二手马年纪念钞溢价超109% 官方渠道"一票难求"的同时，二手交易市场迅速开启炒作模式。 1月14日，记者查询发现，20张面值合计400元的纪念钞，卖家标价高达1000元至3000元，最高溢价达 6.5倍；20枚面值合计200元的纪念币，标价在280元至300元之间，溢价幅度40%至50%。1月27日，记者 再次登录闲鱼平台查询发现 ...

证券之星消息，1月27日国有大型银行板块较上一交易日上涨0.27%，农业银行领涨。当日上证指数报收 于4139.9，上涨0.18%。深证成指报收于14329.91，上涨0.09%。国有大型银行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 601288 | 农业银行 | 6.89 | 0.73% | 685.08万 | 47.77 Z | | 601988 | 中国银行 | 5.33 | 0.38% | 430.59万 | 23.14亿 | | 656109 | 建设银行 | 8.72 | 0.35% | 137.68万 | 12.10亿 | | 601398 | 工商银行 | 7.23 | -0.14% | 469.81万 | 34.30 Z | | 601658 | 邮储银行 | 5.06 | -0.39% | 165.00万 | 8.41亿 | | 601328 | 交通银行 | 6.61 | -0.45% | 231.27万 | 15.43 7 | 从资金流向上来看 ...

记者丨张欣 编辑丨肖嘉 2026年马年新春临近， 北京、深圳、内蒙古、山西、黑龙江等多地的工商银行、建设银行、 交通银行等承办银行陆续发布公告，宣布延长2026年贺岁纪念币、纪念钞兑换期限，明确延 期细节与兑换规则 ，全力保障公众兑换权益。此次延期主要针对全国统一集中兑换期结束 后，部分已预约成功但未完成兑换的币钞。 目前各地延期安排已明确： 工商银行内蒙古自治区分行、交通银行内蒙古自治区分行、交通银行海南省分行及山西、 黑龙江两省将兑换截止日延至2月2日； 工商银行深圳市分行延长至2月1日；工商银行北京市分行、建设银行北京市分行延长至1 月31日。 此次延期兑换仅面向1月13日至14日预约成功且通过核查、未在集中兑换期完成兑换的公众， 需持预约时登记的有效身份证件前往原预约网点办理。 此次马年贺岁币钞自发行以来便备受追捧。2025年12月22日央行公告发行计划后，市场关注 度持续攀升。2026年1月13日晚，线上预约通道正式开启，其中马年币预约时间为22:00，马 年钞为22:30，每人可各预约20份，预约周期虽长达一天有余，但多数银行渠道刚一开放便陷 入"秒空"情境。 系统拥堵、页面卡顿成为普遍现象，不少 ...

| 全国企业信用查询 | | 湖南建源湘能兴望产业投资基金合伙企业（有β ◎ | 查一下 | | --- | --- | --- | --- | | 基本信息 10 | 法律诉讼 | 经营风险 | 经营信息 | | 执行事务合伙人 | 湖南能源集团湘投私募基 金管理有限公司 | 登记状态 | 存续(在营、开业、 | | 有限公司 | 建信金投私募基金管理 (北京) | 出资额 | 100000万元 | | 组织机构代码 | MAK516XU-5 | 工商注册号 | 430122200121525 | | 企业类型 | 有限合伙企业 | 营业期限 | 2026-01-23 至 2036 | | 人员规模 - | | 参保人数 | l | | 所属地区 | 湖南省长沙市望城区 | 登记机关 | 长沙市望城区市场监 | | 国标行业 | 租赁和商务服务业(L) | 英文名 | Hunan Jianvuan Xia d Partnership) | | 主要经营场所 | 长沙市望城经济技术开发区腾飞路一段39号长沙望达小镇客厅科创中心第四层 | | | | 经营范围 | 一般项目：以私募基金从事股权投资、投资管理、资 ...

数据显示，银行ETF华夏是跟踪中证银行指数综合费率最低的ETF，联接基金A类、联接基金C类、联接 基金D类。 近期，财政金融协同政策加码落地，对银行板块形成结构性支撑。1月20日国新办联合财政部等部门宣 布一揽子政策：中小企业贷款贴息1.5个百分点、设备更新贷款贴息范围扩大、消费与经营贷贴息延长 至2026年底、设立5000亿元民间投资专项担保计划、完善民企债券风险分担机制等。上述举措在降低社 会融资成本的同时，引导信贷资源向中小微、科创及扩内需领域倾斜，既优化银行资产结构，又通过风 险分担机制缓释不良压力，为息差企稳和资产质量改善提供中长期支撑。 截至2026年1月27日13:29，中证银行指数上涨0.93%，成分股农业银行上涨2.34%，青岛银行上涨 2.22%，建设银行上涨1.73%，中国银行上涨1.69%，杭州银行上涨1.6%。 ...

Core Viewpoint - The exchange of the 2026 Year of the Horse commemorative coins and banknotes has garnered significant market attention, with various regions extending the exchange period due to incomplete transactions [1][2]. Group 1: Exchange Period and Regulations - The People's Bank of China announced that the centralized exchange period for the 2026 commemorative coins and banknotes is from January 20 to January 26, 2026 [1]. - Several banks, including Industrial and Commercial Bank of China, China Construction Bank, and Bank of Communications, have announced extensions for the exchange period, with specific arrangements for customers who successfully made reservations [1][2]. - The extension for exchanges varies by region, with some banks in Inner Mongolia and Hainan extending the deadline to February 2, while banks in Beijing and Shenzhen have set different deadlines [2]. Group 2: Exchange Progress Data - As of January 26, 2026, the exchange completion rates for the 2026 commemorative coins and banknotes vary by region: Beijing has a completion rate of 95.34% for coins and 98.02% for banknotes [3]. - In Shenzhen, the exchange rates are 62.46% for coins and 80.10% for banknotes, while in Hainan, the rates are 70.22% for coins and 85.28% for banknotes [3].

针对商户实际经营需求，工作人员耐心演示收款对账、到账提醒、退款等核心功能，手把手教学操作技 巧，确保商户当场掌握、即办即用。对建行生活商户，重点指导发券全流程，同步细致讲解信用卡消费 积分兑换、商户满减、分期优惠等权益，助力商户引流增收。 寒风凛冽，积雪覆路，却挡不住建行济宁鱼台支行服务商户的脚步。为破解雨雪天气下商户出行办事难 题，该行工作人员主动踏雪前行、深入辖区商户，开展精准化上门服务，将收款码办理、优惠指导、信 用卡营销等金融服务送到经营一线，用实干诠释建行温度与责任担当。 雪天路滑难行，工作人员顶风冒雪穿梭在商户之间，每到一家商户，都迅速投入服务工作。他们细致核 验商户营业执照、身份信息等材料，高效完成收款码申请、绑定、激活全流程操作，全程快捷顺畅，最 大限度减少对商户经营的影响。 一句句细致讲解，一次次耐心演示，让商户在严寒中感受到金融服务的暖意。本次上门服务累计覆盖商 户20余家，切实解决了商户雨雪天气不愿出门、不便办事的痛点，赢得了辖区商户的广泛认可与好评。 建行济宁鱼台支行相关负责人表示，下一步将把"上门式、精准化"服务常态化，持续延伸服务触角、优 化服务流程，聚焦商户经营痛点难点，推送更多 ...

Core Viewpoint - Major Chinese banks have announced the implementation of an optimized personal consumption loan subsidy policy, extending its benefits and support to consumers [2] Group 1: Policy Implementation - The implementation period for the personal consumption loan subsidy policy has been extended to December 31, 2026 [2] - The scope of support has been expanded to include credit card bill installment services [2] Group 2: Subsidy Expansion - The subsidy field has been broadened by removing the restriction on single transactions of 50,000 yuan and above [2] - The subsidy standard has been improved by eliminating the cap of 500 yuan on single transaction subsidies and the previous limit of 1,000 yuan on cumulative subsidies for each borrower at a single institution [2] Group 3: Existing Agreements - For loans that have already signed the personal consumption loan subsidy service agreement, any consumption occurring after January 1, 2026, will automatically apply the latest subsidy policy without the need to re-sign the agreement [2]

Core Viewpoint - The continuous decline in operating loan interest rates is driven by multiple factors, including policy guidance, market competition, and reduced funding costs, leading banks to focus on lending to quality small and micro enterprises [1][4]. Group 1: Loan Interest Rates - Several banks have reduced their operating loan interest rates, with some as low as 2.31%, a decrease of nearly 20 basis points from the previous month [1][2]. - The lowest rates for collateralized operating loans are reported between 2.31% and 2.55%, with some products potentially offering effective rates in the "1s" due to interest subsidies [2][4]. - The interest rate for first-time borrowers among small and micro enterprises can be reduced to the "1s" range due to a fiscal interest subsidy of 1% for the first year [2][3]. Group 2: Policy and Market Environment - The fiscal interest subsidy policy has been extended to the end of 2026, increasing the loan cap for eligible enterprises from 1 million to 10 million yuan [3]. - The subsidy now covers 11 sectors, including newly added digital, green, and retail consumption areas, alongside traditional sectors like hospitality and entertainment [3]. Group 3: Competition Among Banks - The competition for quality clients has intensified, with banks requiring higher standards for collateral, such as property location and age [5][7]. - Smaller banks are focusing on differentiating their client base and may offer lower rates or higher loan amounts to attract clients that do not meet the criteria of larger banks [7][8]. - The pressure to lower rates may lead to a compromise in risk management, with some banks potentially relaxing their standards to maintain competitiveness [7][8]. Group 4: Strategic Recommendations - Banks are encouraged to adopt differentiated pricing based on client creditworthiness and operational status, leveraging digital technology for risk control [8]. - There is a need for banks to diversify their business structure, focusing on wealth management and payment services to reduce reliance on net interest margins [8]. - Strengthening self-regulation and avoiding irrational price competition are essential for maintaining a balance between supporting the real economy and ensuring sustainable operations [8].