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]

Investment Rating - The report maintains a positive long-term outlook for the insurance sector, indicating a strong continuity in market performance despite recent fluctuations [2][12][16]. Core Insights - The financial sector experienced a mixed performance this week, with the non-bank financial index down by 1.45%, underperforming the CSI 300 index by 0.83 percentage points. The insurance sector saw a decline of 4.02%, while the brokerage sector decreased by 0.61% [1][10]. - The insurance sector's performance is driven by two main factors: policy support leading to economic recovery and liquidity easing combined with a strong stock market. The report suggests a shift from liquidity-driven growth to a focus on macro policy support and economic recovery expectations [2][13][16]. - The brokerage sector is expected to benefit from new regulations that enhance investment management quality, with a recommendation to focus on larger, undervalued firms and those involved in mergers and acquisitions [3][18]. - The banking sector is facing a slight decline, but there are signs of recovery in profitability for leading banks, with recommendations to focus on banks with high dividend yields and those expected to benefit from market conditions [19][21]. Summary by Sections Insurance Sector - The insurance sector's recent decline is attributed to short-term market sentiment and liquidity changes, but the long-term outlook remains positive due to strong support from both the liability and asset sides [2][12][16]. - Key recommendations include focusing on companies like China Pacific Insurance, China Ping An, China Life (H), and China Taiping, with a specific recommendation for New China Life [4][16]. Brokerage Sector - The brokerage sector's performance is slightly better than the overall market, with a focus on the new guidelines from the regulatory body that aim to improve fund management quality [3][17]. - Recommended firms include Guotai Junan, Huatai Securities, and others, particularly those with strong merger and acquisition prospects [4][18]. Banking Sector - The banking sector has shown a decline but is expected to stabilize, with recommendations to focus on banks with high earnings elasticity and strong dividend yields [19][21]. - Specific banks to watch include Hangzhou Bank, Ningbo Bank, and others, with a focus on those that have previously been undervalued [4][21].

内容转载自：天津交通广播 最近打开财经新闻，满屏都是"金价创新高"的消息。昨天（1月24日） ，纽约期金突破5000美元大关。 成为网友们新的担忧 国内金饰价格也是跟着 "水涨船高" 1月24日，周生生足金饰品标价1551元/克，较前一日1545元/克上涨6元/克。老庙黄金足金饰品报1560元/克。 面对不断冲高的金价，网友们早就按捺不住了，纷纷出手下单。 | 每日金价 老庙黄金 | | --- | | 市老庙 | | 今日金价 | | 名称 价格(人民币/克) | | 足金饰品 1560.00 | | 铂金饰品 860.00 | | 工艺金条 1385.00 | | 2026年01月24日 | | 以上为上海区域金价,全国其它地区请以门店每日公示金价为准。感 | | 谢您的支持,祝您生活愉快,好运莲莲! | 买回家的黄金放哪里？ 以前觉得放家里抽屉就行，现在金价这么高，总担心不安全！杭州的刘女士，想着赶紧租个银行保管箱，存放家中的黄金，结果咨询一圈傻了眼："原来 保管箱也要抢，好多银行都没货了！"部分银行甚至需要排队等候。 银行保管箱业务，通常指银行提供场所及保管箱设备，以出租方式，为客户提供用于保管贵金属 ...

证券研究报告·固定收益·固收点评 固收点评 20260125 二级资本债周度数据跟踪 （20260119-20260123） [Table_Tag] [Table_Summary] 观点 ◼ 一级市场发行情况： 本周（20260119-20260123）银行间市场及交易所市场无新发行二级资本 债。 ◼ 二级市场成交情况： 本周（20260119-20260123）二级资本债周成交量合计约 3342 亿元，较 上周增加 691 亿元，成交量前三个券分别为 25 中行二级资本债 02BC （443.52 亿元）、25 广发银行二级资本债 01BC（219.80 亿元）和 25 中 行二级资本债 03A（BC）（77.53 亿元）。 分发行主体地域来看，成交量前三为广东省、山西省和山东省，分别约 为 2521 亿元、299 亿元和 147 亿元。 从到期收益率角度来看，截至 1 月 23 日，5Y 二级资本债中评级 AAA-、 AA+、AA 级到期收益率较上周涨跌幅分别为：-2.18BP、-2.84BP、- 3.84BP；7Y 二级资本债中评级 AAA-、AA+、AA 级到期收益率较上周 涨跌幅分别为：-2.72B ...

Group 1: Gold Price Surge - The price of gold has surged significantly, with spot gold reaching $4981.309 per ounce, approaching the $5000 mark [1] - Domestic gold prices have also increased, with several brands of gold jewelry exceeding 1500 yuan per gram, and some reaching 1548 yuan, marking a daily increase of over 50 yuan [3] Group 2: Demand for Bank Safe Deposit Boxes - The demand for bank safe deposit boxes has skyrocketed, with many banks reporting that all available boxes are rented out, leading to waiting lists for new customers [7][9] - In Hangzhou, major banks have completely rented out their safe deposit boxes, and new customers must wait for existing customers to return their boxes before they can rent one [8] - The surge in demand for safe deposit boxes is attributed to the increasing need for secure storage of high-value items like gold bars, particularly among high-net-worth individuals in major cities [9]