Core Viewpoint - The implementation of the "Regulations on the Management of Sales Expenses for Publicly Raised Securities Investment Funds" marks a significant milestone in the public fund industry, promoting "mechanism optimization" and "ecological reshaping" for high-quality development [2][4][10]. Group 1: Regulatory Changes - The new regulations are a key measure to implement the spirit of the new "National Nine Articles" and the "Public Fund Industry Fee Rate Reform Work Plan," marking the successful completion of the three-phase fee rate reform [4][16]. - The regulations focus on investor interests, standardizing industry development order, and enhancing the mission of financial politics and people's welfare [4][10]. - The maximum subscription fee rates for different fund types have been reduced to 0.8% for actively managed equity funds, 0.5% for mixed funds, and 0.3% for index and bond funds [7][17]. Group 2: Impact on Investor Experience - The regulations aim to lower transaction costs for investors, enhance their holding experience, and promote long-term investment behaviors [4][7][10]. - The introduction of floating fee rate fund products in 2025 is expected to align the interests of fund managers, sales institutions, and investors, receiving positive feedback from clients [4][10]. - The regulations also eliminate sales service fees for fund shares held for over one year, effectively reducing long-term holding costs for investors [23]. Group 3: Industry Transformation - The fee rate reform is seen as a significant institutional innovation in the development of China's capital market, transitioning the industry focus from "scale" to "return" [10][13]. - The new regulations encourage the development of equity funds and aim to attract quality incremental capital into the market, stimulating market vitality [23][24]. - The establishment of the Fund Industry Service Platform (FISP) is expected to enhance direct sales capabilities and optimize customer service experiences [21][27]. Group 4: Future Directions - Fund management companies are required to focus on improving core competencies, such as investment management, product innovation, and customer service, to win market trust [11][24]. - The industry is expected to shift from a sales-driven model to one that prioritizes investor interests, fostering a sustainable and prosperous environment [21][26]. - The regulations are anticipated to save investors hundreds of billions in fees annually, reshaping the fund sales ecosystem and reinforcing the principle of "serving investors" [21][26].

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1896条，专利信息 5000条，此外企业还拥有行政许可149个。 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"可视化的参数配置方法、装置、 设备和存储介质"的专利，授权公告号CN114637803B，申请日期为2022年3月。 ...

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 method and device for data processing, with the authorization announcement number CN119759782B and application date in December 2024 [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 1,896 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 4,235 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 Co., Ltd. has obtained a patent for a method and device related to data processing, with the patent announcement number CN118283028B and an application date of April 2024 [1] - China Construction Bank, established in 2004 and located in Beijing, primarily engages in monetary financial services, with a registered capital of approximately 26.16 billion RMB [1] - The bank has made investments in 36 companies, participated in 5,000 bidding projects, and holds 1,896 trademark records and 5,000 patent records, along with 149 administrative licenses [1] Group 2 - Jianxin Financial Technology Co., Ltd., founded in 2018 and based in Shanghai, focuses on software and information technology services, with a registered capital of approximately 1.73 billion RMB [1] - Jianxin Financial Technology has invested in 6 companies, participated in 4,235 bidding projects, and possesses 297 trademark records and 5,000 patent records, in addition to holding 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。 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"评价信息确定方法、装置、设备 及计算机存储介质"的专利，授权公告号CN114693127B，申请日期为2022年3月。 建信金融科技有限责任公司，成立于2018年，位于上海市，是一家以从事软件和信息技术服务业为主的 企业。企业注册资本172972.9729万人民币。通过天眼查大数据分析，建信金融科技有限责任公司共对 外投资了6家企业，参与招投标项目4235次，财产线索方面有商标信息297条，专利信息5000条，此外企 业还拥有行政许可10个。 来源：市场资讯 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1896条，专利信息 5000条，此外企业还拥有行政许可149个。 ...

Core Viewpoint - In 2025, the A-share banking sector index increased by 12%, with significant fluctuations throughout the year, including a strong performance in the first half, a pullback in the third quarter, and a recovery in the fourth quarter [1] Group 1: Overall Market Performance - The A-share banking sector index saw a cumulative increase of 12% in 2025 [1] - Agricultural Bank of China (ABC) stood out with a stock price increase of over 52.66%, making it the highest-performing bank in terms of stock price growth [1] - By the end of 2025, six banks had stock price increases exceeding 20%, including ABC, Xiamen Bank, Shanghai Pudong Development Bank, Chongqing Bank, Industrial and Commercial Bank of China (ICBC), and Ningbo Bank [1] Group 2: Market Capitalization - By the end of 2025, ABC's A-share market capitalization surpassed that of ICBC, making it the highest market capitalization bank in A-shares, although ICBC still held a higher total market capitalization when including H-shares [1] - The total market capitalization rankings of the six major state-owned banks were led by ICBC (2.63 trillion yuan), followed closely by ABC (2.61 trillion yuan) [3] Group 3: Valuation Metrics - ABC's price-to-book (PB) ratio exceeded 1 for the first time, breaking the long-standing trend of state-owned banks trading below book value, which contributed to the overall valuation recovery of A-share listed banks [3] - The PB ratio for ABC was reported at 1.00, indicating a significant improvement in its market valuation [2] Group 4: Growth Drivers - The recovery of ABC's PB ratio is attributed to the potential release of county-level business opportunities amid urban-rural integration, which is expected to drive credit growth more significantly than its peers [4] - The bank benefits from lower liability costs and superior asset quality in the county financial sector, supporting steady growth in asset scale and profitability [4]

国家知识产权局信息显示，中国建设银行股份有限公司、建信金融科技有限责任公司取得一项名为"一 种合同生成方法、装置、电子设备及计算机可读介质"的专利，授权公告号CN115563942B，申请日期为 2022年11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1896条，专利信息 5000条，此外企业还拥有行政许可149个。 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 建信金融科技有限责任公司，成立于2018年，位于上海市，是一家以从事软件和信息技术服务业为主的 企业。企业注册资本172972.9729万人民币。通过天眼查大数据分析，建信金融科技有限责任公司共对 外投资了6家企业，参与招投标项目4235次，财产线索方面有商标信息297条，专利信息5000条，此外企 业还拥有行政许可10个。 ...

建信金融科技有限责任公司，成立于2018年，位于上海市，是一家以从事软件和信息技术服务业为主的 企业。企业注册资本172972.9729万人民币。通过天眼查大数据分析，建信金融科技有限责任公司共对 外投资了6家企业，参与招投标项目4235次，财产线索方面有商标信息297条，专利信息5000条，此外企 业还拥有行政许可10个。 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"线上展厅智能参观方法、装置和 电子设备"的专利，授权公告号CN116132516B，申请日期为2022年12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1896条，专利信息 5000条，此外企业还拥有行政许可149个。 ...

数据来源：天眼查APP 以上内容为证券之星据公开信息整理，由AI算法生成（网信算备310104345710301240019号），不构成 投资建议。 采购方：建行苏州分行本部 供应商：上海新致软件股份有限公司 中标金额：230000.0,230000 地区：江苏省 发布日期：2025-12-30 证券之星消息，根据天眼查APP-财产线索数据整理，根据建行苏州分行本部12月30日发布的《【建行 自采】苏州工业园区公积金业务系统维护项目采购结果信息公开》内容显示，上海新致软件股份有限公 司中标，详情如下： 标题：【建行自采】苏州工业园区公积金业务系统维护项目采购结果信息公开 通过天眼查大数据分析，上海新致软件股份有限公司共对外投资了29家企业，参与招投标项目2023次； 财产线索方面有商标信息33条，专利信息29条，著作权信息315条；此外企业还拥有行政许可33个。 ...

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"用户行为处理方法、装置、电子 设备及计算机可读介质"的专利，授权公告号CN114528481B，申请日期为2022年1月。 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 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1896条，专利信息 5000条，此外企业还拥有行政许可149个。 ...