Core Viewpoint - Major Chinese banks including Industrial and Commercial Bank of China, Agricultural Bank of China, Postal Savings Bank of China, Bank of Communications, and China Construction Bank will start paying interest on digital RMB wallet balances at the same rate as current deposit rates from January 1, 2026, marking a significant transition in the digital currency landscape in China [1][4][5] Group 1: Bank Announcements - Industrial and Commercial Bank of China, Agricultural Bank of China, and Postal Savings Bank of China will apply interest to digital RMB wallet balances according to the current deposit rate, with interest calculation rules consistent with those for current deposits [4] - Bank of Communications will also apply the current deposit rate to digital RMB wallet balances, including various types of personal and corporate wallets, while balances in type four wallets will not earn interest [4] - China Construction Bank will revise its customer service agreement to reflect that digital RMB wallet balances will earn interest based on the current deposit rate starting January 1, 2026 [4] Group 2: Digital RMB Framework - The People's Bank of China has introduced a plan to enhance the management and service system for digital RMB, which will officially implement a new measurement framework and operational mechanism on January 1, 2026 [5] - This transition signifies a shift from the "digital cash era" to the "digital deposit currency era" after a decade of research and pilot programs [5]

2025年12月31日，中国建设银行（601939）发布公告称，为了更好地为您服务，自2026年1月1日起，中 国建设银行将为您开立的建设银行数字人民币实名钱包余额按照中国建设银行活期存款挂牌利率计付利 息，计结息规则与活期存款一致，并相应修订《中国建设银行数字人民币钱包个人客户服务协议》相关 内容，具体如下： 数字人民币：指中国人民银行发行的法定数字货币和相关支付体系，采用双层运营架构，由中国人民银 行向数字人民币业务运营机构发行，再由数字人民币业务运营机构兑换给公众。 自2026年1月1日起，数字人民币钱包（不含四类钱包）中的钱包余额按照中国人民银行规定的活期存款 计结息规则计付利息，并由乙方依法代扣代缴利息税（如有）。 如您对本次业务调整有任何疑问，可通过中国建设银行95533客服热线进行咨询。感谢您长期以来给予 中国建设银行的大力支持！ ...

Core Viewpoint - Starting January 1, 2026, China Construction Bank will pay interest on the balance of digital RMB wallets at the same rate as its current deposit rates, with interest calculation rules aligned with those of current deposits [1] Group 1 - China Construction Bank will implement interest payments on digital RMB wallets, enhancing the attractiveness of its digital currency offerings [1] - The interest rate will be based on the bank's current deposit rates, which may encourage more customers to utilize digital RMB wallets [1] - Customers can inquire about this business adjustment through the bank's customer service hotline [1]

12月29日，首届"CMG(中央广播电视总台)银发经济盛典"在央视财经频道播出。建设银行服务"大零号 湾"养老科技产业园区案例入选盛典"数智赋能篇"年度案例，展现了建行养老金融服务助力银发经济高 质量发展的最新进展，"健养安"品牌市场影响力正在不断提升。 银发经济的发展离不开金融力量的汇入。下一步，建设银行将不断增强服务国家建设能力，锚定"养老 金融专业银行"，聚焦银发经济培育发展和养老金保值增值，坚持投资于物与投资于人紧密结合，努力 为客户提供陪伴一生一世的养老金融综合服务，用心打造"健养安"养老金融金字招牌。 "大零号湾"养老科技产业园拥有"岁月长青·创新研发区"和"银发向阳·产业承载区"两大功能区，以"打造 国际领先的养老科技创新集群"为目标，致力于成为全球养老产业技术策源地与应用示范区。 建设银行立足养老科技的转型发展需求与园区入驻企业成长需要，积极推进养老金融、科技金融融合发 展，为园区建设、企业发展、员工成长持续赋能。建设银行加大资金投放力度，为园区270多家康复辅 具、智慧养老、居家养老服务等科技型企业提供贷款，累计超过5亿元；联动建信养老金，与园区管理 方共同设立园区人才年金计划，并量身定制" ...

为积极响应服务"三农"、助力乡村振兴的政策号召，建行菏泽单县支行聚焦涉农主体金融需求，创新金 融服务模式，加大涉农贷款投放力度，为当地农业发展和农民增收提供有力的金融支持。 截至2025年12月，该支行累计发放涉农贷款4341万元，切实解决了农业经营主体融资难、融资贵的问 题。 齐鲁晚报.齐鲁壹点李可通讯员赵东月 在优化产品服务、提升服务质效方面，建行菏泽单县支行结合涉农主体实际情况，在农资供应、农产品 流通等场景中嵌入"齐鲁振兴贷抵押版""齐鲁振兴贷农担版""裕农快贷"等金融产品。同时，简化贷款办 理流程，为农资经营户解决资金短缺难题，保障周边农户春耕农资供应，为当地农户带来便捷、高效的 金融服务体验。 除了提供融资支持，该支行还积极组织金融宣讲小分队深入田间地头，围绕防范电信诈骗、识别非法集 资、安全使用电子支付工具等热点话题开展专题宣传活动。宣讲人员用通俗易懂的语言普及金融知识， 切实提升了农民群体的风险防范意识和金融素养，让金融服务更"接地气"。 下一步，该支行将继续聚焦农业全产业链发展需求，不断优化金融产品和服务模式，确保金融资源精准 投入到农业生产的各个环节。同时，持续挖掘客户需求，发挥普惠金融力 ...

Core Viewpoint - The personal operating loan interest rates have generally entered the "2" range, with some banks offering rates as low as 2.3%, driven by competition and a strategy of attracting customers through lower prices [1][4]. Group 1: Current Loan Rates - Many banks are now offering personal operating loan rates below 2.5%, with slight variations based on region and product type [1][2]. - For instance, the lowest rate for personal mortgage operating loans at one bank is 2.35%, with a loan term of 3 years and a credit limit of up to 30 million yuan [1]. - Another bank reports that the minimum rate for collateralized personal operating loans is 2.5%, while credit-based products start at 2.55% [2]. Group 2: Loan Approval Criteria - Borrowers must meet strict criteria, including having a local household registration and a minimum duration of social security payments [3]. - The collateral property must be within the local jurisdiction, not older than 35 years, and the borrower must have owned it for at least 3 months [3]. - Additionally, the borrowing entity must be a small or micro enterprise with a good credit record and normal operating cash flow [3]. Group 3: Market Dynamics and Risks - The current low interest rates are a result of multiple factors, including policy guidance, industry competition, and reduced funding costs for banks [4][5]. - While lower rates can stimulate demand and reduce interest expenses for borrowers, there are concerns about potential risks, such as narrowing interest margins and the possibility of unhealthy competition [4][5]. - Experts warn that aggressive pricing strategies could lead to a decline in banks' profitability and their ability to support the real economy effectively [4][5]. Group 4: Strategic Responses from Banks - Different banks have varying perspectives on the sustainability of low-interest operating loans, with some viewing it as a necessary strategy to gain market share despite thin margins [5][6]. - Larger banks may benefit from cross-selling additional services to clients attracted by low rates, while smaller banks face challenges in maintaining competitiveness without engaging in price wars [6][7]. - There is a call for financial institutions to adopt differentiated strategies and focus on enhancing product quality and service rather than solely competing on price [6][7].

Core Viewpoint - The bank supervisory board system, in operation for nearly 30 years, is approaching its end as banks begin to abolish this structure in favor of audit committees, following new regulations from the China Securities Regulatory Commission (CSRC) and the Financial Regulatory Bureau [2][3][4]. Regulatory Framework for Reform - The new Company Law, effective from July 2024, allows financial institutions to replace supervisory boards with audit committees, fundamentally changing the requirement for supervisory boards as mandatory entities [3][4]. - The Financial Regulatory Bureau has issued policies that support the transition, allowing financial institutions to choose between retaining supervisory boards or establishing audit committees to perform supervisory functions [3][4]. Differences in Implementation - There is a differentiation in the approach to abolishing supervisory boards between listed and non-listed banks, with listed banks required to eliminate supervisory boards by 2026, while non-listed banks have the option to retain them [4][5]. - Major state-owned banks have already initiated the process of abolishing supervisory boards, with the five largest banks voting to remove them in April 2025 [5]. Effectiveness and Challenges of Supervisory Boards - The supervisory board has been criticized for its lack of independence, professionalism, and efficiency, often leading to overlapping functions and ineffective oversight [6][7]. - The costs associated with maintaining a supervisory board are significant, with estimates suggesting that listed banks could save millions annually by abolishing this structure [7]. Transition Paths for Supervisory Board Members - Former supervisory board members may transition to roles within the audit committee, take on positions in other financial institutions, or retire from the industry [8]. - The governance mechanism is expected to become more efficient, with fewer decision-making layers and a more direct oversight structure through audit committees [8].

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"自动化测试方法和相关设备"的专 利，授权公告号CN114168426B，申请日期为2021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1906条，专利信息 5000条，此外企业还拥有行政许可149个。 来源：市场资讯 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。 ...

Core Viewpoint - The company is leveraging digital financial services to enhance the cultural and tourism sectors in Chongqing, integrating financial support into local events and activities to stimulate consumption and economic growth [2][3][5][6][7] Group 1: Cultural and Tourism Initiatives - The company is actively promoting county-level cultural tourism activities, collaborating with local authorities to launch events such as "Warm Winter Hot Spring Season" and "New Year Climbing Activities," distributing nearly 100,000 yuan in exclusive coupons [3] - In Wushan, the company utilized the International Red Leaf Festival to integrate local resources, offering digital services through the "Construction Bank Life" platform and distributing over 20,000 yuan in tourism discounts, achieving a win-win situation for government, merchants, tourists, and the bank [3] - The company is extending its services to support local特色 events like the "Longshou Lake New Year Fireworks Show," enhancing local IP influence and promoting regional tourism [3] Group 2: Low-altitude Economy Development - The low-altitude economy is identified as a significant growth area, with the company addressing challenges in the sector by partnering with local industry leaders and providing traditional credit support alongside digital financial services [5] - The establishment of a "Low-altitude Economy Zone" on the "Construction Bank Life" platform offers citizens flight experience discounts of up to 50% and exclusive digital currency coupons, significantly lowering the entry barrier for public participation [5] - The company plans to further explore digital financial tools in areas such as drone training and pilot licensing, contributing to the development of the low-altitude industry ecosystem [5] Group 3: Sports Events Integration - The company is capitalizing on the popularity of sports events to drive economic development, collaborating with the municipal sports bureau to create a one-stop platform for sports-related services, integrating dining, accommodation, and entertainment [6] - During the 2025 Chengdu-Chongqing Sports Industry Alliance Conference, the company launched promotional activities that attracted nearly 10,000 participants, generating over 50,000 yuan in consumer discounts [6] Group 4: Cultural Performance Support - The company is extending financial services to the performing arts and youth culture sectors, partnering with local theaters to offer digital currency ticket subsidies and regularly sharing performance information through its public account [7] - The company is also engaging with local music venues to attract younger audiences through promotional discounts, thereby energizing the night economy and youth culture in Chongqing [7] - Future initiatives will focus on innovative financial solutions in cultural and tourism sectors to further stimulate local economic development [7]

Group 1 - The core viewpoint of the news is that the state-owned large bank sector experienced a slight decline of 0.31% on December 30, with the Bank of Communications leading the drop [1] - The Shanghai Composite Index closed at 3965.12, showing no change, while the Shenzhen Component Index rose by 0.49% to 13604.07 [1] - The trading performance of individual state-owned banks varied, with Postal Savings Bank gaining 0.37% and Bank of Communications falling by 1.76% [1] Group 2 - The net outflow of main funds from the state-owned large bank sector was 143 million yuan, while retail investors saw a net inflow of 180 million yuan [1] - The detailed fund flow for individual banks showed that Agricultural Bank and Bank of Communications had significant net outflows from main funds, while retail investors contributed positively to their inflows [2] - The data indicates that the main funds were predominantly negative for most banks, with the exception of Industrial and Commercial Bank, which had a net inflow of approximately 533 million yuan from speculative funds [2]