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].

Core Insights - The continuous decline in operating loan interest rates is driven by multiple factors including policy guidance, market competition, and reduced funding costs [1][3][6] - Banks are focusing on operating loans as a key area for credit allocation, especially in light of weak mortgage demand and the need to optimize credit structures [1][3] Group 1: Interest Rate Trends - Several banks have lowered their operating loan interest rates, with some rates dropping to as low as 2.31% [1] - The minimum interest rate for secured operating loans is currently around 2.35%, while unsecured loans start at 2.55% [2] - With government subsidies, first-time borrowers from small and micro enterprises can enjoy interest rates as low as the "1s" [2] Group 2: Policy and Market Dynamics - The government has extended the fiscal subsidy policy for service industry enterprises until the end of 2026, increasing the loan cap for subsidies from 1 million to 10 million yuan [2] - The competition among banks is intensifying as they seek to attract high-quality small and micro enterprise clients, leading to a price war [3][5] Group 3: Risk and Sustainability - The ongoing decline in interest rates is putting pressure on banks' net interest margins, potentially leading to a focus on higher-risk clients [6] - Banks are encouraged to adopt differentiated pricing based on client creditworthiness and to enhance risk control through digital technologies [6] - The balance between price competition and sustainable operations is identified as a critical challenge for banks [6]

来源：上海证券报·中国证券网 上证报中国证券网讯 据上海期货交易所1月26日消息，上海期货交易所于2026年1月26日批复同意中国 工商银行股份有限公司、中国农业银行股份有限公司、中国银行股份有限公司、中国建设银行股份有限 公司、交通银行股份有限公司为从事境外客户保证金存管业务的指定存管银行。 来源：上海证券报·中国证券网 上证报中国证券网讯 据上海期货交易所1月26日消息，上海期货交易所于2026年1月26日批复同意中国 工商银行股份有限公司、中国农业银行股份有限公司、中国银行股份有限公司、中国建设银行股份有限 公司、交通银行股份有限公司为从事境外客户保证金存管业务的指定存管银行。 ...

业务办理间隙，工作人员还化身"金融宣讲员"，开展现场金融知识微讲堂。他们用接地气的方言，结合 农户日常场景，讲解银行卡安全使用、电信诈骗防范等实用知识，重点叮嘱社员切勿出租、出借、出售 银行卡，切实提升农户的风险防范意识，守护好"钱袋子"。 整个服务过程井然有序，仅两个多小时便完成了所有社员的业务办理。此次上门服务，是建行临沂莒南 支行"龙易行+网格化"服务模式的生动实践。该行持续将金融服务延伸至田间地头，累计为县域12个乡 镇3000余户农户提供便民服务，以实实在在的举措践行普惠金融初心，用金融温度赋能乡村振兴与农户 生产发展。 据悉，该蔬菜合作社的30余名社员近期需办理银行卡，用于接收蔬菜收购款。眼下正值农忙时节，社员 们终日奔波于田间地头，分身乏术，集体前往网点办理业务存在诸多不便。该行得知这一情况后，主动 靠前对接合作社负责人，精准对接需求，决定利用社员午休间隙，提供上门集中服务，切实为农户排忧 解难。 约定当日，工作人员携带移动终端设备驱车奔赴合作社，在院内快速搭建起临时"移动服务点"。大家分 工协作、有条不紊，耐心为每位社员办理开卡、手机银行签约、功能激活等全流程业务，同时细致核对 信息、讲解账户 ...

根据央行多地分行披露的数据，马年贺岁纪念钞、纪念币预约进度已达100%，但有部分用户尚未进行 兑换。截至1月25日，北京地区贺岁币、贺岁钞兑换热情较高，比例分别达90.71%和94.16%；深圳市兑 换比例则分别为62.46%、80.10%；内蒙古自治区分别为85.51%和91.68%；海南省贺岁币和贺岁钞的兑 换比例分别为70.22%和85.28%。 根据公告，工商银行内蒙古自治区分行将兑换截止日由原定的1月26日延至2月2日；工商银行深圳市分 行则延长至2月1日；工商银行北京市分行、建设银行北京市分行均将兑换时间延长至1月31日。此前， 交通银行海南省分行及内蒙古自治区分行亦宣布将兑换期延长至2月2日。 北京商报讯（记者 孟凡霞 周义力）1月26日，北京商报记者注意到，为保障公众兑换需求，工商银行内 蒙古自治区分行、工商银行北京市分行、建设银行北京市分行、工商银行深圳市分行等多家机构发布公 告，宣布延长2026年贺岁普通纪念币及纪念钞的兑换截止日期。 ...

| 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 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 601398 工商银行 | | | 4.72亿 | 14.30% | -2.61亿 | -7.91% | -2.11亿 | -6.39% | | 601988 中国银行 | | | 3.09亿 | 15.30% | -1.13亿 | -5.58% | -1.96 Z | -9.72% | | 601288 农业银行 | | | 2.80亿 | 6.45% | -6552.67万 | -1.51% | -2.14 Z- | -4.94% | | 601328 交通银行 | | | 2.75亿 | 15.97% | -1.16亿 | -6.74% | -1.59亿 | -9.22% | | 601658 邮储银行 | | | 1.14亿 | 12.58% | -1129.97万 | -1.25% | -1.03亿 | -11.33% | | 601939 ...

本期，南财理财通重点关注最低持有期人民币公募产品的业绩表现，按照7天、14天、30天、60天持有期限分类对产品业绩进行 排名，业绩指标采用年化收益率，计算区间与持有期限相同，如30天持有期产品的业绩计算区间为近一月年化收益率，同机构 同系列同投资周期产品保留一只参与排名。 统计代销机构（28家）：工商银行、中国银行、农业银行、邮储银行、建设银行、交通银行、招商银行、中信银行、光大银 行、民生银行、兴业银行、浦发银行、广发银行、浙商银行、华夏银行、平安银行、恒丰银行、渤海银行、北京银行、宁波银 行、江苏银行、上海银行、南京银行、杭州银行、徽商银行、微众银行、网商银行、百信银行。 需要特别提醒的是：本榜单对理财产品"在售"状态的判断基于其投资周期推算。但实际情况中，部分产品可能因额度售罄，或 银行针对不同客户展示的产品清单存在差异而无法购买。因此，建议投资者以代销银行APP的实际展示为准。 此外，南财理财通虽力求客观公正，但不对本评价榜信息的真实性、完整性和准确性作任何保证，排名信息仅供参考。 | 6 | | 中国银行 (14天)最短持有期 | 中银理财 | 固收 | 3.05% | 1.45%-2.4 | | ...

Group 1: Gold Market Dynamics - International gold prices are experiencing fluctuations, leading to adjustments in domestic high-end jewelry brand prices, with Chow Tai Fook quoting 1455 CNY/gram, Lao Feng Xiang at 1456 CNY/gram, and others around 1453 CNY/gram for gold [1] - Platinum prices remain high at around 940 CNY/gram, while discounts on gold jewelry are increasing, reflecting a cautious consumer sentiment and a relatively quiet market [1] Group 2: RMB Gold Prices - The Shanghai Gold Exchange reports the RMB-denominated gold spot price at 1047.60 CNY/gram, a slight increase of 2.33 CNY or 0.223% from the previous day, with a trading range between 1042.74 CNY and 1048.50 CNY [6] - Retail prices for gold jewelry or bars are higher than the exchange prices due to additional costs such as design and processing, influenced by international market fluctuations, exchange rates, and domestic supply and demand [6] Group 3: Financial Institutions Gold Bar Prices - Various financial institutions have set their gold bar prices, with China Construction Bank at 1050.74 CNY/gram, Industrial and Commercial Bank at 1050.58 CNY/gram, and others ranging from 1049.2 CNY to 1096.5 CNY per gram [7][8][9][10][11][12][13] Group 4: Wholesale and Retail Price Differences - The wholesale price for gold in Shui Bei is approximately 1203 CNY/gram, with significant price differences compared to retail prices, which can be attributed to store rent, operational costs, and brand premiums [14] - The pricing structure for jewelry includes "gold value + processing fee + brand premium," indicating a need for consumers to be aware of the price alignment with base gold prices when investing [14] Group 5: Domestic Gold Price Trends and Market Analysis - Current gold prices are reported at 1047.00 CNY/gram, with a slight increase of 0.11%, while platinum prices are at 606.79 CNY/gram, reflecting a 0.72% increase [15] - Despite rising gold prices, consumer purchasing enthusiasm is declining, with a reported 7.95% year-on-year decrease in gold consumption and a 32.50% drop in gold jewelry consumption in the first three quarters of 2025 [15] Group 6: Retail Strategies and Market Outlook - Brands are adopting strategies like trade-in programs to lower consumer purchase barriers, while research indicates that retailers need to enhance profit margins per gram of gold jewelry and optimize product offerings [16] - The technical structure of gold prices remains in an upward channel, but with weakening momentum, influenced by a strong dollar and rising real interest rates, which increase the opportunity cost of holding gold [17]