2月11日，济南市住房和城乡建设局发布《2026山东省暨济南市高品质住宅展示交易会"置业送消费 券"活动实施规则》，在2026年2月11日—3月31日购买新建商品住宅(不包含商业、车位、储藏室等其他 业态)且在济南市房地产信息系统前5000名签订网签合同的消费者(不含单位)，每套网签合同对应10000 元消费券。 消费券到账后，用户可通过"建行生活"APP—"我的"—"优惠券"查询，点击消费券即可查看适用商户， 涵盖商超、家电、餐饮等高频消费场景。核销时，用户到店通过"建行生活"APP线上买单或出示付款码 支付即可，使用数字人民币券包需选择对应支付方式并使用指定钱包支付。消费券逾期未使用将自动失 效，不予补发;核销交易若发生退款，消费券将根据有效期判断是否可再次使用，已拨付的补贴资金将 按规定退回指定账户。本次消费券不可提现、退补或转赠，疑似刷单套现的用户和商户将被追究相关责 任。 关于网签撤销，已获取消费券的消费者若解除购房合同，消费券已使用的，需将使用金额退还至济南市 住房和城乡建设局指定账户。 活动特别说明，若出现不可抗力等特殊情况，中国建设银行可调整活动规则并公示;不正当参与活动的 用户将被取消资格并 ...

Core Insights - The mobile banking app industry in China is transitioning into a stock operation phase, with user behavior shifting towards efficient, purpose-driven usage rather than prolonged browsing [1][7][9] - AI and ecosystem integration are driving a transformation in service delivery, enhancing user experience and security [2][11] - Regulatory frameworks are tightening, emphasizing compliance and innovation, with new policies guiding the industry towards value creation [3][14] - Competitive dynamics are increasingly influenced by ecosystem capabilities and regional strengths, with state-owned banks leading the market [4][16] Market Overview - The user base for mobile banking apps is stabilizing, with monthly active users (MAU) projected to fluctuate between 648 million and 739 million from 2023 to 2025, reaching a peak by December 2025 [7] - The overall market is moving from rapid expansion to a focus on enhancing existing user engagement [7] User Behavior Trends - User engagement metrics show a slight decline in daily usage frequency, with average daily sessions dropping from approximately 4.5 times in 2023 to around 3.3 times in early 2024, stabilizing thereafter [9] - Effective usage time is also decreasing, indicating a shift from passive browsing to targeted, functional use [9] Technological Trends - By 2025, mobile banking technology will focus on deep AI integration and ecosystem-level enhancements, moving beyond simple feature improvements [11] Regulatory Environment - The regulatory landscape is evolving, with a focus on compliance and user rights protection, driven by the implementation of new policies [14] Competitive Landscape - The competitive environment is characterized by significant differentiation, with state-owned banks leveraging their extensive ecosystems, while regional banks focus on localized growth [4][16] User Demographics - The core user demographic consists predominantly of males (56.7%) and younger users under 40 years old (63.3%), with a significant portion being married and having children [6][45][47] - Users from new first-tier and lower-tier cities account for over 90% of active users, highlighting the importance of these markets for future growth [48] Top Mobile Banking Apps - Agricultural Bank of China leads with an average MAU of 249 million, followed by Industrial and Commercial Bank of China with 194 million, and China Construction Bank with 109 million [18][19] - Among joint-stock banks, China Merchants Bank leads with 71.85 million MAU, while Ping An Bank and CITIC Bank follow closely [20][22] Case Studies of Leading Banks - Agricultural Bank of China is enhancing user experience through its mobile app, aiming for over 270 million MAU by the end of 2025 [30] - Industrial and Commercial Bank of China focuses on smart financial services, improving user engagement through various innovative features [33] - Postal Savings Bank of China aims to evolve its app into a companion service, enhancing user interaction and experience [35] - China Merchants Bank emphasizes wealth management and digital loan services, integrating financial services into daily life [37] - Ping An Bank is enhancing its app with AI-driven insights and personalized services [39] - Beijing Bank is focusing on a comprehensive wealth management system and improved user experience through its app [41]

Core Viewpoint - The article discusses the initiatives taken by China Construction Bank (CCB) Sichuan Branch to stimulate consumer spending during the 2026 Spring Festival, aligning with the government's "2026 'Buy New Year'" special activity plan aimed at boosting holiday consumption and enriching cultural life [2][9]. Group 1: Consumer Loan Initiatives - CCB Sichuan Branch is implementing a "Home Life" event, offering personal consumption loans with financial subsidies, allowing customers to enjoy lower interest rates, such as a reduction from 3% to 2% for eligible borrowers [3][4]. - The bank has developed an automated recognition system for online processing of consumption recognition and subsidy deductions, enhancing customer experience and operational efficiency [3]. Group 2: Home Decoration and Appliance Promotions - During the Spring Festival, CCB Sichuan Branch launched a "Home Decoration Festival," providing discounts for home decoration services and special benefits for customers purchasing home appliances [4]. - Customers can receive a discount of 500 yuan for home decoration services when spending over 5000 yuan, along with additional rewards for those using the "Jianxin Fudai" loan [4]. Group 3: Automotive Financing for New Energy Vehicles - CCB Sichuan Branch is promoting the purchase of new energy vehicles through car exhibitions and financing options, offering flexible installment plans and zero-interest loans for certain models [5][6]. - The bank has organized over 20 car exhibition events in various commercial complexes, facilitating direct consumer engagement and providing comprehensive services including financing and insurance [6]. Group 4: Cultural and Tourism Consumption - CCB is participating in the "Follow the Movie to Taste Delicious Food" campaign, offering promotional activities such as buy-one-get-one-free movie ticket deals with their credit card [7][8]. - The bank is also running the "New Year Travel Luck" campaign, providing discounts and incentives for dining and tourism through partnerships with local merchants and platforms [8]. Group 5: Overall Strategy and Future Plans - CCB Sichuan Branch aims to leverage key consumption periods to create diverse consumption scenarios, linking government and enterprise resources to enhance financial services in the holiday economy [9].

新春将至，年味愈浓，消费市场迎来全年最活跃的黄金周期。建设银行山西省分行紧扣春节消费旺季特点，下沉服务重心，深入市场、商户及涉农主体， 以定制化产品、便捷化服务、优惠化政策从供给侧护航新春消费经济，今年以来累计为2.27万户个人经营类主体投放贷款29.23亿元，让年味更足、市场更 旺、产业更兴。 货架丰盈 为家家户户添喜气 阳泉市平定县东升市场里处处洋溢着置办年货的热闹气息。经营春联福字、春节装饰品的王姐，正迎来一年中最忙碌的销售旺季。眼看市场客流逐日攀 升，备货需求迫在眉睫，可资金周转的难题却让她犯了愁，充足的货品储备成了当下最迫切的需求。 为摸清周边商户的需求，建设银行阳泉平定城东支行紧扣新春消费旺季特点，组织人员深入周边农贸市场、商户集聚区开展商户专项巡检，主动上门了解 经营户资金周转情况。在东升市场走访时，客户经理时鹏莉留意到王姐的经营困境，当即上前细致沟通，询问年货筹备的具体进度、备货品类和资金缺 口，认真查看其日常收单流水、资金结算等经营情况。 针对王姐的情况，平定城东支行为其量身定制信贷支持方案，高效推进抵押贷款办理流程，全程专人跟进、贴心指导，仅用一周时间为其发放40万元抵押 贷款，让王姐备足 ...

Investment Rating - The industry investment rating is "Buy" [2] Core Insights - The report analyzes 132 regional banks in the Sichuan-Chongqing area, highlighting the growth and structural changes in the banking sector [6][27] - The asset growth rates of major city commercial banks in the region are higher than those of listed city commercial banks, indicating a robust expansion [38] - Profitability metrics show that city commercial banks in the region have lower ROE compared to listed banks, while rural commercial banks outperform them [6][27] - Asset quality is slightly weaker in regional banks compared to listed banks, with higher non-performing loan ratios [6][27] Summary by Sections Economic Structure Analysis - Sichuan province is positioned as a key driver for western development, with a focus on enhancing the Chengdu-Chongqing economic circle [13][14] - In 2025, Chengdu's GDP is projected to account for 38.7% of the province's total, with significant growth in various sectors [15] Banking Sector Overview - The Sichuan-Chongqing region has 132 commercial banks, including 14 city commercial banks, 65 rural banks, and 51 rural commercial banks [27] - The asset growth rates for major city commercial banks in the region are 15.6% and 18.2%, surpassing the 14.2% growth of listed city commercial banks [38] Asset and Liability Structure - The proportion of loans to total assets has been increasing since 2016, with city commercial banks in Sichuan projected to have a loan ratio of 56.1% by 2024 [38][40] - The financial investment ratio for city commercial banks is on a downward trend, with a slight recovery noted in the first half of 2025 [40][46] Profitability and Asset Quality - The average ROE for city commercial banks in the region is 10.97%, lower than the 11.99% average for listed city commercial banks [6][27] - Non-performing loan ratios for city commercial banks in the region are higher than those of listed banks, indicating potential asset quality concerns [6][27] Capital Adequacy - Capital adequacy ratios for regional banks are comparable to those of listed banks, providing a safety margin for operations [6][27]

Core Viewpoint - The article discusses the tightening of gold-related business by banks in response to recent volatility in gold prices and the upcoming Chinese New Year holiday, highlighting the need for investors to manage risks effectively during this period [3][4][6]. Group 1: Market Conditions - As of February 12, gold prices are experiencing high volatility, with London gold at $5063 per ounce and Shanghai gold at 1123 yuan per gram, while retail prices in major cities reach up to 1556 yuan per gram [3][4]. - The gold market has seen significant fluctuations, with prices peaking above $5600 per ounce at the end of January and then dropping below $4500, indicating a volatility of over 20% within three trading days [6]. Group 2: Bank Responses - Major banks, including China Construction Bank, Industrial Bank, and Bank of Communications, have raised margin requirements and implemented dynamic trading limits on gold transactions to mitigate risks associated with market volatility [4][5][6]. - The minimum investment amounts for gold accumulation products have been increased by several banks, with China Bank raising the threshold from 950 yuan to 1200 yuan, and Construction Bank increasing it to 1500 yuan [5][6]. Group 3: Investor Guidance - Analysts suggest that investors should be cautious about holding positions over the holiday, as the Shanghai Gold Exchange will be closed while international markets remain open, creating a "time difference risk" [6][9]. - For those considering gold as a long-term investment, a strategy of gradual buying and holding is recommended, with a suggested allocation of 5% to 10% of the investment portfolio to gold as a risk hedge [10].

转自：新华财经 为更好服务于浙江开放型经济，为企业海外拓展提供坚实的金融支持，中国建设银行浙江省分行（以下简称"浙江建行"）近日在浙江省绍兴市举办主题 为"建融四海·金络八方"的企业客户交流会。此次交流会旨在深化综合金融服务能力，推动境内外本外币一体化与商投行一体化的服务模式升级。 会上，中国建设银行浙江省分行党委书记、行长张伟煜表示，浙江建行将以更加开放的心态、更具创新精神的产品和服务，为企业全球化布局注入新的活 力。浙江省工商联副主席林建良、建银工程咨询有限责任公司党委书记兼董事长陈比伦先后发言，认可浙江建行在促进地方经济发展中的积极作用。国家信 息中心战略规划研究院副院长高辉清则带来了关于2026年全球经济形势与投资展望的专题分析，引发了与会者的思考。 活动期间还举行了海外机构"善建行远"跨境金融服务专场。中国建设银行国际业务部副总经理沈化雨致辞并深入解析了建行在全球金融市场上的战略布局与 竞争优势，中国建设银行结算与现金管理部企业司库处处长杨晴详细介绍建行全球现金管理业务体系。随后，多个建行海外分支机构代表带来全球重点市场 的前沿投资机遇与定制化金融服务方案，展现了建行作为国际化大行的综合实力与服务能 ...

Market Overview - The NPL product market continued to expand in 2025, with a total issuance scale of 820.57 billion yuan, representing a year-on-year growth of 61.32%[4] - The cumulative issuance scale of NPL products from 2016 to 2025 reached 3285.88 billion yuan, indicating a sustained growth trend over six consecutive years[4] Asset Securitization - In 2025, commercial banks disposed of a total of 519.11 billion yuan of non-performing loans (NPLs) through asset securitization, with principal accounting for 90.53% of this amount, marking a 62.80% increase from 2024[5] - As of September 2025, the balance of non-performing loans in commercial banks was 3522.48 billion yuan, with 349.45 billion yuan disposed of through securitization, accounting for 10.28% of the median balance of non-performing loans[7] Issuance Characteristics - Large state-owned commercial banks remained the main issuers in the NPL market, with the top three institutions (Industrial and Commercial Bank of China, China Construction Bank, and Bank of China) accounting for 39.92% of the total issuance in 2025[9] - The types of NPL products issued have diversified, including personal housing mortgage NPLs and small micro-enterprise NPLs, reflecting a trend towards greater variety in product offerings[9] Recovery Rates and Valuation - The expected recovery rate for credit card NPL products ranged from 4.09% to 16.15%, with a weighted average recovery rate of 9.68%[22] - Personal housing mortgage NPL products had a higher expected recovery rate of 31.44% to 50.02%, with a weighted average recovery rate of 42.30%, although this represents a decline from 50.08% in 2024[31] Small Micro-Enterprise Loans - In 2025, 44 small micro-enterprise NPL products were issued, with a total issuance scale of 224.01 billion yuan, accounting for 27.03% of the total issuance[36] - The expected recovery rate for small micro-enterprise NPLs varied significantly, ranging from 11.58% to 57.20%, depending on the type of collateral involved[37]

Core Viewpoint - The China Construction Bank (CCB) Henan Branch is enhancing financial support for residents during the upcoming Spring Festival by launching various promotional activities focused on consumer needs in dining, tourism, and home renovation [1][2][3] Group 1: Consumer Promotions - CCB is offering a "Life New Year Goods Festival" and "Beneficial Season" activities, providing numerous dining coupons to stimulate daily dining consumption [1] - The "Half-Price Happy Purchase - Spring Festival Special Edition" campaign allows users to receive daily coupons for chain supermarkets and restaurants, promoting family gatherings during the festival [1] Group 2: Cultural and Tourism Initiatives - CCB has created an online cultural tourism integration service platform, featuring ticketing for popular destinations and events, aimed at boosting local economic development [2] - Users can access discounted tickets for attractions like Qingming Riverside Landscape Garden and Yuntai Mountain, enhancing their cultural experience during the holiday [2] Group 3: Home Renovation Support - The "CCB Home Renovation Festival" offers special installment payment options at 1,506 selected home decoration merchants, making it easier for families to manage large expenses [3] - This initiative aims to support families in improving their living environments, aligning with the festive spirit of renewal and togetherness [3] Group 4: Overall Impact - CCB's series of Spring Festival activities effectively addresses various aspects of daily life, promoting consumption and enhancing the festive atmosphere through financial services [3] - The bank plans to continue innovating its financial products and services to further benefit the public and support the real economy [3]

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