Core Viewpoint - The six major state-owned banks in China have collectively withdrawn high-interest five-year large-denomination certificates of deposit (CDs), marking a significant shift in the savings market as they adjust to ongoing pressure on net interest margins [2][3]. Group 1: Changes in Deposit Products - The five-year large-denomination CDs have been completely removed from sale, with searches on banking apps returning results indicating "no products available" or "sold out" [2]. - The minimum investment for three-year large-denomination CDs has increased significantly, with thresholds rising from the traditional 200,000 yuan to between 1 million and 5 million yuan, while the interest rate for a 1 million yuan three-year product is only 1.55%, narrowing the gap with regular savings accounts [3]. Group 2: Impact on Banking Sector - Data from the National Financial Regulatory Administration shows that the net interest margin for commercial banks was only 1.42% in Q3 2025, with predictions indicating a slight narrowing of the decline to around 4 basis points in 2026, marking the first time since 2022 that the annual decline will be in single digits [4]. - The continuous narrowing of net interest margins has been a significant factor affecting bank profitability, prompting banks to withdraw high-interest long-term deposit products to stabilize their margins [5]. Group 3: Shifts in Savings Behavior - The withdrawal of high-interest CDs has led to a migration of funds estimated to be in the hundreds of billions, as the market loses "risk-free high-yield" products [6]. - Despite 62.3% of residents still preferring to save more, this figure has been declining for two consecutive quarters, with a noticeable increase in the willingness to invest [6]. - Different types of savers are adjusting their strategies: conservative savers are sticking to deposit products, while moderate investors are moving towards bank wealth management and "fixed income plus" products, and aggressive investors are beginning to allocate funds to high-dividend stocks and gold ETFs [6].

Group 1 - The article discusses a promotional campaign by China Construction Bank (CCB) offering WeChat discount coupons starting from 0.99 yuan, valid from August 1, 2025, to December 31, 2025 [2] - Users can access the WeChat discount coupons through the CCB app by navigating to the "惠省钱" (Save Money) section and selecting participating merchants [12] - The article outlines the refund policy for the WeChat discount coupons, stating that full refunds will return the discount amount if the coupon is still valid, while partial refunds will return the discount proportionally [14][18] Group 2 - The article emphasizes the importance of updating the CCB app to the latest version to utilize the WeChat discount coupons effectively [7] - It lists various merchants where the WeChat discount coupons can be used, including Meituan, Tmall Supermarket, and Luckin Coffee [7][8] - The customer service hotline for inquiries regarding the discount coupons is provided, available daily from 9:00 AM to 11:00 PM [18]

Core Viewpoint - The article promotes a special promotional event by Ctrip for users of the 62-starting Dragon Card credit card, offering discounts and interest-free installment options for travel purchases during the winter season [2][9]. Group 1: Promotional Details - The promotional period runs from December 1, 2025, to March 31, 2026 [5]. - Users can enjoy discounts based on their purchase amounts: a discount of 15 yuan for purchases over 500 yuan, 100 yuan for over 2000 yuan, and 300 yuan for over 6000 yuan [9]. - The maximum number of users eligible for each discount tier is set at 11,000 for the 15 yuan discount, 6,000 for the 100 yuan discount, and 4,000 for the 300 yuan discount [11]. Group 2: Eligibility and Participation - The promotion is available to holders of the 62-starting Dragon Card credit card (excluding business and special installment cards) who register as Ctrip members [7]. - Each user can only enjoy the discount once per tier, and the discounts cannot be combined [11]. - Users must use their own devices and accounts to participate in the promotion [11]. Group 3: Refund and Terms - If a transaction benefiting from the discount is refunded, the rules state that full refunds will result in the loss of the discount, while partial refunds may allow the user to retain the discount if the remaining order amount exceeds the promotional threshold [11].

Group 1 - The article emphasizes the convenience of tax payment through the "建行惠懂你" App, allowing users to easily access the "企业缴税" section for tax payments [3] - Users who have completed tax declaration on the electronic tax website can use the "代缴税" section to query and pay their taxes by entering the relevant information [4] - The app supports comprehensive tax payment tracking, enabling users to query payment details across various channels, including online banking and self-service devices [6] Group 2 - Users can download tax payment receipts by selecting the receipt date and payment account within the app [8] - It is noted that tax payment details and receipts can only be accessed the next business day after the payment is completed [9] - The article encourages users to follow the company for more operational guides and features available in the app [11]

Group 1 - The core viewpoint of the articles highlights the innovative financial services being developed in Jining to support the digital economy, particularly through data asset financing [1][2][4] - Jining's Postal Savings Bank successfully issued a 5 million yuan loan using the data intellectual property of Shandong Zhuolang Testing Co., marking a significant milestone in data asset financing [2] - An agricultural technology company in Liangshan secured 11 million yuan in credit by pledging its unique data assets related to cattle breeding, showcasing the potential of data assets in traditional industries [2] Group 2 - Longgong Port has transformed into the first fully automated inland container port in China, supported by a syndicate loan from multiple banks, enabling the completion of smart berth construction and a fully automated operation system [3] - Jining is recognized as a provincial digital economy innovation development pilot zone, fostering a mature digital economy ecosystem that supports the growth of digital financial services [3][4] - As of October 2023, Jining's digital economy industry loan balance reached 6.738 billion yuan, reflecting a year-on-year increase of 2.568 billion yuan and a growth rate of 61.57%, the highest in the province [4]

进入12月以来，银行业再度收紧个人贵金属交易业务，多家银行对代理上海黄金交易所个人贵金属交易业务进行加强管理。 "无持仓、无库存、无欠款、保证金账户仍有资金余额的客户，请尽快自助办理资金转出手续。"近日，工商银行（601398）发布公告称，自12月19 日起，该行将上述客户的保证金账户余额批量转出至该业务绑定的结算账户，并关闭相关业务功能。 根据工行公告，在业务功能关闭后，客户与该行签署的《代理个人客户贵金属竞价交易业务协议书》将终止，现有持仓客户的平仓交易不受本次业 务调整影响。 12月8日，建设银行（601939）也发布了《关于代理个人客户上海黄金交易所贵金属交易业务近期安排的公告》，自12月15日起将无持仓、无库存、 无欠款、保证金账户仍有资金余额的客户保证金账户余额转出至业务签约账户，并自动关闭相关业务功能。 《金融时报》记者注意到，今年以来，已有多家银行对代理上海黄金交易所个人贵金属交易业务进行了相关调整。在工商银行、建设银行之前，还 有农业银行（601288）、邮储银行（601658）、光大银行（601818）、中信银行（601998）、宁波银行（002142）等也发布了相关公告。 具体来看，10 ...

Core Points - The People's Bank of China is issuing the 2026 New Year commemorative banknotes and coins starting from December 22, 2023, which includes one banknote and three types of coins, all recognized as legal tender in the People's Republic of China [1][7]. Commemorative Banknote - The commemorative banknote features a horse design on the front, along with the national emblem, the name of the bank, and various security features such as a holographic pattern and a transparent window. The denomination is 20 yuan [1][3]. - The back of the banknote showcases a festive scene with children celebrating, accompanied by Mongolian decorative patterns, and includes the denomination in multiple languages [3]. - The banknote has a face value of 20 yuan, dimensions of 145mm by 70mm, is made of plastic, and has a total issuance of 100 million pieces, including 20,000 for historical archives [5]. Commemorative Coins - The commemorative coins include a 10 yuan dual-color copper alloy coin, which features traditional Chinese paper-cut art and a horse image on the back, with a total issuance of 100 million pieces, including 10,000 for historical archives [6]. - The dual-color copper alloy coin has a diameter of 27mm and will be available for reservation from January 13 to 14, 2026, through designated banks [6]. - Additionally, a set of gold and silver commemorative coins is being issued, which includes a 1-gram round gold coin and an 8-gram diamond-shaped silver coin, both featuring traditional auspicious designs [7][9]. - The 1-gram gold coin has a face value of 10 yuan, a diameter of 10mm, and a maximum issuance of 150,000 pieces, while the 8-gram silver coin has a face value of 3 yuan, a side length of 23mm, and a maximum issuance of 1 million pieces [8][9]. Sales Channels - The sales channels for these commemorative coins and banknotes will be detailed on the China Gold Coin website and the "China Gold Coin" WeChat official account [10].

Core Viewpoint - The Ministry of Agriculture and Rural Affairs emphasizes the importance of agricultural standardization to drive high-quality development in the sector, urging banks to integrate financial support into the entire standardization process [1] Group 1: Financial Support for Standardization - Banks should break traditional credit thinking and establish a credit system that aligns with standardization construction, focusing on key areas like high-standard farmland and modern facility agriculture [1] - Special credit quotas should be allocated for high-standard farmland construction and modern facility agriculture, with optimized approval processes and reduced financing thresholds [1] - Innovative credit models should be developed for agricultural technology enterprises, focusing on technological prospects and intellectual property rather than solely on collateral [1] Group 2: Innovative Financial Service Models - Banks need to develop exclusive financial products that connect with standardized production processes, incorporating standards for fertilization and production into credit approval criteria [2] - Comprehensive financial services, including fixed asset loans and working capital loans, should be provided to support enterprises in standardizing processing and establishing quality traceability systems [2] - Digital platforms should be utilized to facilitate online loan applications and approvals, making financial support for standardization accessible [2] Group 3: Collaboration and Coordination - Banks should actively engage with agricultural departments to access project information on high-standard farmland and smart agriculture, ensuring efficient matching of project needs and financial supply [3] - Participation in government-bank-enterprise connection activities is essential for creating personalized financing solutions during project planning [3] - Strengthening cooperation with agricultural guarantee and insurance institutions through collaborative models can help mitigate credit risks and support standardization efforts [3]

■本报记者 郝飞 在基础设施建设领域，银行业聚焦交通路网、新型城镇化配套等重点项目，量身定制金融服务方案。比 如，建设银行云南镇雄支行累计向宜毕高速、都香高速等区域交通重点项目投放贷款13亿元，同时向成 贵铁路建设项目注入3.17亿元资金。这些金融支持以交通升级缩短了城乡时空距离，为县域经济循环打 通了高效运转的"大动脉"。针对县域新型城镇化进程中的居住需求，该支行为镇雄"以勒陆港新城"重点 房地产项目开通信贷绿色通道，提供3000万元信贷支持，有效助力提升返乡创业人员、小微企业主等群 体的居住水平，为县城人口集聚与功能完善提供了有力支撑。 公共服务均等化是县城城镇化建设的重要民生导向，也是银行业发力的重点领域。比如，农发行山东省 夏津县支行精准对接当地民生需求，获批2.7亿元新型城镇化贷款，专项支持县域养老服务体系建设项 目。该项目创新采用"闲置教育资源养老化改造"模式，选取37所闲置农村小学进行适应性改造，同步推 进养老用房新建、现有养老院升级等工程，累计新增养老床位2150张。这些养老服务设施重点布局在县 城周边及乡镇核心区域，提供价格亲民的普惠型养老服务，涵盖住养、保健、康复等全维度功能，同时 衔接长 ...

12月份以来金融反腐力度不减，又有一批国有大行干部被查！ 12月19日，据中央纪委国家监委网站消息，中国农业银行内蒙古自治区分行副巡视员姜文俊涉嫌严重违纪违法 目前正接受纪律审查和监察调查。公开资料显示，姜文俊在农业银行工作多年，曾担任农行内蒙古分行信贷处 处长、内蒙古分行高级专家等。 近日，还有多家国有大行地方分支机构干部反腐消息陆续传出。12月16日消息，中国建设银行山东总审计室副 主任陈栋被查；12月12日消息，中国工商银行甘肃分行党委委员、副行长吕红晓主动投案；政策性银行方面， 12月11日消息，中国农业发展银行原政策研究室主任吴飚被查。 姜文俊被查 券商中国记者注意到，陈栋在今年11月还以建设银行山东总审计室副主任的身份出席了建行相关活动。公开资 料显示，陈栋在建行任职经历主要在山东和江苏地区，担任建设银行山东总审计室副主任之前，其于2023年4 月起担任建设银行江苏省分行行长助理，他于2020年9月起，担任建设银行德州分行行长，在此之前还短暂担 任建设银行烟台分行副行长。 工行方面，中央纪委国家监委网站12月12日消息，中国工商银行甘肃分行党委委员、副行长吕红晓涉嫌严重违 纪违法，主动投案，目前正 ...