Group 1 - The core point of the article is that China Construction Bank has obtained a patent for a method, device, system, storage medium, and program product related to "database unloading" [1] - The patent was granted with the announcement number CN114238487B, and the application date was December 2021 [1] - China Construction Bank, established in 2004 and located in Beijing, primarily engages in monetary financial services with a registered capital of 26,160,038.1459 million RMB [1] Group 2 - According to data from Tianyancha, China Construction Bank has invested in 36 companies and participated in 5,000 bidding projects [1] - The bank has 1,897 trademark information entries and 5,000 patent information entries, along with 149 administrative licenses [1]

证券之星消息，1月6日国有大型银行板块较上一交易日下跌0.37%，中国银行领跌。当日上证指数报收 于4083.67，上涨1.5%。深证成指报收于14022.55，上涨1.4%。国有大型银行板块个股涨跌见下表： 从资金流向上来看，当日国有大型银行板块主力资金净流出7.27亿元，游资资金净流入4.2亿元，散户资 金净流入3.07亿元。国有大型银行板块个股资金流向见下表： | 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 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601658 邮储银行 | | 4820.08万 | 6.14% | -4386.57万 | -5.59% | -433.51万 | -0.55% | | 601398 工商银行 | | 592.09万 | 0.29% | 583.85万 | 0.29% | -1175.94万 | -0.58% | | 601288 农业银行 | | -2728.64万 | -1.55% | -1928.45万 | - ...

Core Insights - The report maintains a strong market rating for the banking sector, highlighting structural opportunities amid a new economic starting point in 2026 [3][5] - The macroeconomic environment is expected to support credit growth, with fiscal policies becoming more proactive and monetary policies remaining moderately accommodative [3][4] - The banking sector is anticipated to experience a stabilization in net interest margins, with a narrowing space of less than 5 basis points expected in 2026 [4][40] Macroeconomic Fundamentals - The GDP growth target for 2026 is projected to remain stable at around 5%, supported by structural improvements in financing demand from enterprises and households [12][14] - The fiscal deficit rate is expected to increase from 4% in 2025, with proactive fiscal policies aimed at stabilizing growth and expectations [14][16] - Monetary policy will continue to be moderately accommodative, with social financing growth expected to maintain above 8% [16][17] Industry Core Policy Guidance - Regulatory bodies are focusing on protecting net interest margins, with measures in place to guide banks in pricing management and alleviate margin pressures [25][26] - New supportive policies, including interest subsidies for personal consumption loans, are expected to create favorable asset deployment scenarios for banks [27][28] - Capital supplementation policies are being optimized to enhance banks' credit expansion capabilities and risk resilience [28][29] 2026 Profitability Outlook - Corporate loan growth is expected to be a key driver of credit expansion, while retail credit improvements will depend on policy support for income and consumption [4][34] - The net interest margin is projected to stabilize, with a potential bottoming out in 2026, supported by regulatory measures and market conditions [40][41] - Fee income is anticipated to recover, particularly for city commercial banks, as market sentiment improves [42][43] 2026 Asset Quality Outlook - The overall asset quality of the banking sector is expected to stabilize, with non-performing loan ratios remaining low for corporate lines, while retail lines may still face risks [4][20] - The trend of provisioning coverage is expected to improve, providing banks with more flexibility in managing their asset quality [20][21] 2026 Industry Landscape Outlook - Differentiation among banks is likely to become a dominant theme, with larger banks expected to see more stable revenue growth compared to smaller banks facing complex operating environments [4][5] - Regional economic vitality will significantly influence the performance of local banks, with areas of strong economic growth presenting better investment opportunities [5][6] Investment Recommendations - The insurance sector is projected to see over 2 trillion yuan in new market funds in 2026, increasing demand for high-dividend assets [5] - Focus on state-owned banks with stable operations, such as Industrial and Commercial Bank of China and China Construction Bank, as attractive investment targets [5] - Attention should be given to regional banks in economically vibrant areas, such as Jiangsu Bank and Chongqing Bank, which are expected to perform well [5][6]

Core Viewpoint - Airwallex and China Construction Bank have launched a new personal cross-border remittance product called "Full Amount Arrival," aimed at addressing long-standing pain points in traditional cross-border remittance processes, such as high fees and lengthy transaction times [1][3]. Group 1: Product Features - The "Full Amount Arrival" service significantly reduces costs associated with traditional bank remittances and enhances convenience for users [1]. - The service supports eight major currencies and covers dozens of countries and regions, catering to diverse scenarios such as studying abroad and travel [3]. - The product offers end-to-end traceability and real-time information synchronization, improving transaction efficiency and transparency [3]. Group 2: Risk Management and Compliance - The service integrates anti-money laundering monitoring and transaction risk control capabilities from both Airwallex and China Construction Bank, allowing for dynamic management of transaction processing times based on real-time risk assessments [3]. - The collaboration aims to create a secure, reliable, and compliant cross-border remittance channel while enhancing service convenience and cost advantages [3]. Group 3: Technological Innovation - The partnership leverages innovative financial technology applications, which are crucial for enhancing cross-border financial service capabilities and customer experience [4]. - Airwallex provides modular and embedded financial technology solutions that enable rapid deployment of cross-border payment products and integration of global collection and multi-currency account management [4]. - The collaboration is expected to foster cross-border trade and financial service connectivity, contributing to the high-quality development of the financial industry [4].

Group 1 - China Construction Bank Corporation has obtained a patent for a method, device, electronic equipment, and storage medium related to "an approval rule adjustment method," with the authorization announcement number CN115829738B, and the application date is November 2022 [1] - China Construction Bank Corporation was established in 2004 and is located in Beijing, primarily engaged in monetary financial services, with a registered capital of 26,160,038.1459 thousand RMB [1] - The bank has invested in 36 enterprises, participated in 5,000 bidding projects, and has 1,897 trademark information and 5,000 patent information, along with 149 administrative licenses [1] Group 2 - Jianxin Financial Technology Co., Ltd. was established in 2018 and is located in Shanghai, primarily engaged in software and information technology services, with a registered capital of 1,729.9729729 million RMB [1] - Jianxin Financial Technology has invested in 6 enterprises, participated in 4,248 bidding projects, and has 297 trademark information and 5,000 patent information, along with 10 administrative licenses [1]

声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 来源：市场资讯 国家知识产权局信息显示，中国建设银行股份有限公司取得一项名为"文本生成的方法、装置、设备和 计算机可读介质"的专利，授权公告号CN113283247B，申请日期为2021年6月。 天眼查资料显示，中国建设银行股份有限公司，成立于2004年，位于北京市，是一家以从事货币金融服 务为主的企业。企业注册资本26160038.1459万人民币。通过天眼查大数据分析，中国建设银行股份有 限公司共对外投资了36家企业，参与招投标项目5000次，财产线索方面有商标信息1897条，专利信息 5000条，此外企业还拥有行政许可149个。 ...

Group 1 - The State Intellectual Property Office of China has granted a patent titled "Information Push Method, Device, Electronic Equipment and Storage Medium" to China Construction Bank Corporation and Jianxin Financial Technology Co., Ltd. The patent was applied for on September 2022 [1] - 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. The company has invested in 36 enterprises, participated in 5,000 bidding projects, and holds 1,897 trademark records and 5,000 patent records, along with 149 administrative licenses [1] - 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. The company has invested in 6 enterprises, participated in 4,248 bidding projects, and possesses 297 trademark records and 5,000 patent records, in addition to 10 administrative licenses [1]

Group 1 - The State Intellectual Property Office of China has granted a patent to China Construction Bank Corporation and Jianxin Financial Technology Co., Ltd. for a data processing method, device, electronic equipment, and storage medium, with the authorization announcement number CN116955393B and application date of February 2023 [1] - 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. The company has invested in 36 enterprises, participated in 5,000 bidding projects, and holds 1,897 trademark records and 5,000 patent records, along with 149 administrative licenses [1] - 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. The company has invested in 6 enterprises, participated in 4,248 bidding projects, and possesses 297 trademark records and 5,000 patent records, in addition to 10 administrative licenses [1]

Group 1 - The core point of the article is that China Construction Bank has obtained a patent for a method and device to distinguish between internal and external network requests, with the patent number CN119788377B and an application date of December 2024 [1] Group 2 - China Construction Bank, established in 2004 and located in Beijing, primarily engages in monetary financial services, with a registered capital of 26,160,038.1459 thousand RMB [1] - The bank has made investments in 36 companies, participated in 5,000 bidding projects, and holds 1,897 trademark records and 5,000 patent records, along with 149 administrative licenses [1] Group 3 - 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 [1] - The company has invested in 6 enterprises, participated in 4,248 bidding projects, and possesses 297 trademark records and 5,000 patent records, in addition to holding 10 administrative licenses [1]

Core Insights - The 2026 Bloomberg Green Finance Awards ceremony was successfully held at the MGM Hotel in Shanghai, emphasizing the importance of aligning with China's "dual carbon" goals and the evolving global business landscape [2] - The event introduced two new evaluation systems: the "Green Finance List" and the "ESG Potential Enterprises" list, alongside existing categories for "ESG Leading Enterprises" and "Outstanding ESG Projects" [2] Green Finance List - The Green Finance List focuses on the green development and innovation within China's financial sector, developed in collaboration with the Central University of Finance and Economics [3] - It aims to respond to national green finance policies and promote the green transformation of financial institutions and enterprises [3] ESG Potential Enterprises - The ESG Potential Enterprises list is based on Bloomberg's proprietary analysis of corporate data, utilizing a comprehensive ESG matrix covering four dimensions, 16 core issues, and 41 sub-issues [4] - The matrix addresses nine major themes, including climate action, energy and ecological management, product safety, employee health, and social responsibility, to identify companies with long-term value and industry leadership potential [4] Complete Lists Released - The ESG Leading Enterprises include CHINT Group Co., Ltd., Tingyi Holding Corp. (Master Kong), Trina Solar Co., Ltd., and several others [5][6][7] - Outstanding ESG Projects feature initiatives from Beijing Fuping Social Venture Capital Co., Ltd., Envision Energy, LONGi Green Energy Technology Co., Ltd., and others [7][8] Green Financial Institutions - The Green Financial Institutions recognized include Bank of China (Hong Kong) Limited, Guotai Junan International Holdings Limited, Industrial Bank Co., Ltd., and others [9][10] Innovation Drivers - The ESG Innovation Drivers include organizations such as the Alliance for Water Stewardship, Climate Bonds Initiative, and Shanghai Advanced Institute of Finance [10] ESG Advocates - The ESG Advocates list features companies like Hydrowell (Taicang) Energy Technologies Co., Ltd., Ningbo Joyson Electronics Corp., and Skyworth Group Limited [11] Future Outlook - Bloomberg Green Finance aims to collaborate with more practitioners to explore core trends and future pathways for sustainable development, accumulating cross-disciplinary wisdom and solutions [13]