Core Viewpoint - The recent policy optimization aims to lower consumer costs and activate consumption potential while reinforcing risk control measures to combat illegal arbitrage [1][5]. Group 1: Policy Implementation - Multiple banks, including Agricultural Bank, Bank of Communications, Postal Savings Bank, and China Merchants Bank, announced the implementation of the personal consumption loan interest subsidy policy as per the notification issued on January 16, 2026, effective from January 1, 2026 [1][2]. - The notification expands the scope of interest subsidies by removing previous restrictions on consumption areas, allowing residents to enjoy subsidies for various consumption fields and new credit card installment bills, provided they meet authenticity and compliance requirements [2][5]. Group 2: Application Process - Banks have clarified the application process for interest subsidies, with Agricultural Bank allowing customers to apply through mobile banking and customer service hotlines, while Bank of Communications offers an app for checking subsidy amounts and transaction details [3][4]. Group 3: Risk Control Measures - Banks have emphasized that they do not charge any fees for processing interest subsidies and will not engage third-party intermediaries for these services, aiming to protect customers from fraud [4][5]. - Experts have highlighted the risks posed by illegal intermediaries who may fabricate consumption purposes and documents to exploit the subsidy system, leading to potential financial disorder [5][6]. - A multi-layered risk control system has been established, involving banks, financial regulatory bodies, and the Ministry of Finance to monitor loan purposes and fund flows, ensuring compliance and accountability [6].

Core Viewpoint - The "Financial Assistance and Precision Empowerment" meeting in Furong District aims to facilitate direct communication between government, banks, and enterprises to address financing challenges faced by businesses [1]. Group 1: Event Overview - The meeting allows companies to engage directly with bank representatives, making it easier to understand financing options [1][3]. - The event focuses on providing tailored financial services to help businesses overcome development obstacles [1]. Group 2: Company Insights - Hunan Benhui Technology Co., Ltd. is undergoing a transformation, establishing a cross-border e-commerce and self-media company, indicating a need for financing [3]. - The company expressed satisfaction with the face-to-face interactions, which enhance clarity and efficiency in communication with banks [3]. Group 3: Bank Participation - China Bank's Furong Branch introduced exclusive inclusive financial products tailored for small and medium-sized enterprises, detailing application conditions and advantages [5]. - The bank's professional team aims to establish a regular communication mechanism to respond effectively to reasonable business needs [5]. Group 4: Outcomes and Future Plans - During the free negotiation phase, over ten outstanding entrepreneurs engaged in one-on-one discussions with bank managers, focusing on financing needs and cooperation models [7]. - The meeting resulted in cooperation intentions with a credit amount exceeding 30 million yuan, highlighting the effectiveness of the event [7].

Group 1 - The global financial market in 2025 is characterized by significant changes, with gold emerging as a key asset due to rising geopolitical risks and challenges to the dollar's credit system [1][3] - International gold prices have reached historical highs over fifty times in the year, with London gold experiencing a remarkable annual increase of 64.56%, establishing its status as a core strategic asset [1][3] - The rise of gold is rooted in deep changes in the global economy and monetary order, with U.S. government debt at high levels and the dollar's share in global foreign exchange reserves dropping to a nearly 30-year low [3] Group 2 - The China Banking Corporation has shown exceptional foresight in its assessment of gold trends, consistently advocating for gold as a strategic asset since 2023, leading to cumulative investor returns of nearly 150% by the end of 2025 [4] - The 2025 Personal Financial Global Asset Allocation White Paper accurately predicted trends in the A-share market, RMB exchange rate, and bond market, confirming the bank's professional insights [5] - The report indicated that the A-share market would experience a slow bull pattern, with trading volume exceeding 420 trillion yuan and margin financing balances rising to 2.5 trillion yuan [5] Group 3 - The latest 2026 Personal Financial Global Asset Allocation White Paper provides clear guidance for asset allocation, prioritizing precious metals, non-ferrous metals, equities, and bonds [6] - Gold is expected to maintain its long-term potential for new highs, while the A-share market is anticipated to benefit from global easing and domestic capital inflows [6] - The report forecasts that the RMB exchange rate will continue to exhibit two-way fluctuations, and the yield on 10-year government bonds is expected to stabilize between 1.6% and 1.9% [6] Group 4 - The China Banking Corporation emphasizes a long-term investment philosophy, utilizing professional research and scientific methods to help clients build resilient asset portfolios that can withstand market cycles [7] - The bank aims to guide investors in seizing global asset opportunities through systematic and disciplined asset allocation strategies [7]

REPORT ON GLOBAL ASSET ALLOCATION STRATEGY BY PRIVATE BANKING BANK OF CHINA 2026 中国银行个人金融全球资产配置 自皮书 2025黄金领涨：主升浪中彰显资产硬实力 2025年的全球金融市场，在变局与重构中走出波澜壮阔的行情，黄金无疑是其中最受关注的资产之 一。地缘政治风险持续攀升，叠加美元信用体系面临系统性挑战，国际金价在年内五十多次刷新历史 新高，伦敦金全年涨幅高达64.56%，不仅远超前两年表现，更以强劲的主升浪确立了其作为核心战 略资产的地位。 多维验证：股汇债市场印证专业洞察力 这种专业洞察力同样体现在对全市场的判断上。 2025年初发布的《2025个人金融全球资产配置白 皮书》对A股、人民币汇率及债券市场的预判，均被全年行情一一印证。报告提出"中国资产价值重 估开启、A股慢牛格局基本形成"，而2025年A股成交额突破420万亿元，两融余额升至2.5万亿元， 长期资金积极入市，市场韧性尽显；在汇市方面，白皮书预判美元"例外论"终结、人民币具备稳定 基础，全年人民币兑美元稳中有升，年末守稳7关口；债券市场上，报告指出中债将展现 ...

Core Viewpoint - The recent announcement by four departments regarding the optimization of personal consumption loan interest subsidy policy expands the support scope to include credit card bill installments, with a subsidy rate of 1% per annum [5][6]. Group 1: Policy Details - The subsidy policy allows each borrower to enjoy a maximum annual subsidy of 3,000 yuan, enabling a personal consumption loan limit of up to 300,000 yuan at a single financial institution [7]. - The subsidy period has been extended by four months, allowing eligible consumers to benefit from the policy from September 1, 2025, to December 31, 2026 [9]. - The policy removes previous restrictions on consumption categories, allowing loans for amounts of 50,000 yuan and above to be used for various purposes, including but not limited to automotive, tourism, and education [10]. Group 2: Implementation by Banks - Multiple banks, including Agricultural Bank, Bank of China, and Postal Savings Bank, have quickly released implementation details, emphasizing the direct deduction of subsidy funds from loan interest or installment payments for eligible customers [8][11]. - Customers must sign a supplementary agreement with the bank to benefit from the subsidy, and banks will not charge any fees for this process [14][17]. - Specific banks have set different rules for credit card bill installment subsidies, with Agricultural Bank capping the subsidy at 50% of the agreed annualized interest rate [13]. Group 3: Compliance and Fraud Prevention - Banks have emphasized strict measures against fraudulent activities, stating that any false consumption or non-compliance will result in the denial of subsidy benefits [15][16]. - The banks will not engage third parties for processing the subsidy applications, ensuring that all transactions are conducted through official channels [15][17].

一方面，中行、建行、工行三家国有大行"老将"到龄退休交棒，中小银行也加速"抢人"步伐，从外部引进资深金融科技人才。 另一方面，多家银行副行长与首席信息官为同一人，为科技负责人给予更高的权责，从而深度参与战略决策，在上市银行业绩 发布会上，越来越多的首席信息官"亮相"，从幕后走向台前。 "商业银行设立首席信息官，是银行数字化转型从'选择题'变为'必答题'的重要措施。"招联首席研究员、上海金融与发展实验室 副主任董希淼向记者表示，专设首席信息官有助于银行增强面向未来的发展能力与服务能力。 全年22家银行科技"一把手"变动 21世纪经济报道记者李览青 随着银行科技战略的不断推进，2025年，作为科技"掌门人"的首席信息官在银行数智化转型中承担着越来越重要的角色。 据21世纪经济报道记者不完全统计，2025年有22家银行科技"一把手"出现变更。 从中小银行的首席信息官聘任路径来看，既有内部提拔的业务骨干，亦有深耕金融科技领域的外部人才引进。 例如在龙江银行CIO那群威任职资格获批前，该行曾公开对外招聘，彼时其任职要求为，具有15年以上（含）信息科技相关工作 经验，曾任国有大型商业银行省级分行科技部门总经理；具有大学本 ...

格隆汇1月21日｜中国银行在北京、香港同步推出个人金融全球服务方案，依托"全球账户"功能，在境 内外多地开展推广。该方案聚焦跨境客户需求，提供全球账户概览、资产配置、便捷汇划、发薪便利及 尊享权益等五大核心服务，实现手机银行跨境可视、多币种资产配置与高效汇款等功能。现场还发布了 《2026中国银行个人金融全球资产配置白皮书》和《2026中国高净值人群财富管理白皮书》，持续为客 户的全球资产布局提供专业支持。中国银行表示，将继续优化全球服务，助力客户实现价值。 ...

1月21日金融一线消息，当地时间1月20日，《Brand Finance 2026年全球品牌价值500强榜单报告》在瑞 士达沃斯正式发布。 《Brand Finance 2026年全球品牌价值500强榜单报告》显示，银行业凭借79个品牌，为总价值贡献了 12.5%。其中，13家中国银行品牌以4170亿美元总价值占据行业鳌头，同比增长1.4%。 中国工商银行在榜单中的排名为第12名，凭借908.8亿美元的品牌价值和91.5分的品牌强度指数稳居全球 银行品牌榜首，获得AAA+评级。 上榜的中国银行品牌还有中国建设银行（排名14）、中国银行（排名17）、中国农业银行（排名19）、 招商银行（排名74）、中信银行（排名128）、中国邮政储蓄银行（排名134）、交通银行（排名 167）、上海浦东发展银行（排名272）、兴业银行（排名274）、中国民生银行（排名404）、中国光大 银行（排名461）、恒生银行（排名462）。 | 2025 2026 | | | 2026 2026 | 2026 | 2025 | | --- | --- | --- | --- | --- | --- | | 排名 | 排名 品牌 | | ...

Core Viewpoint - The Bank of China has launched a global financial service plan focused on cross-border clients, enhancing its global service capabilities and addressing the increasing demand for comprehensive financial solutions [1][3]. Group 1: Service Features - The service plan includes five core functions: global account overview, global asset allocation, global convenient remittance, global payroll convenience, and global premium rights [3]. - The integration of the Bank of China's mainland and Hong Kong mobile banking allows for a seamless experience where clients can initiate transactions from one end and view them on both ends [3]. - A specialized strategy system offers a full market, multi-strategy, and multi-currency global product shelf, enabling tailored global asset allocation solutions [3]. Group 2: Cost and Convenience - The service emphasizes four key features: more economical costs, faster remittance, enhanced security, and greater operational convenience for global remittance services [4]. - The "Bank of China Global Payroll" service provides a comprehensive financial ecosystem from enterprises to employees and from individuals to families [5]. Group 3: Global Reach and Publications - Clients can open local Bank of China or Bank of China Hong Kong accounts in over ten countries or regions, enjoying corresponding tiered services with a single identity [5]. - The Bank of China also released the "2026 China Bank Personal Financial Global Asset Allocation White Paper" and the "2026 China High Net Worth Wealth Management White Paper," continuing its commitment to meet client asset allocation needs [5].

Core Insights - The Bank of China has launched a personal financial global service plan based on the "global account" feature, aiming to enhance cross-border financial services and meet the higher demands of cross-border clients [1][3] - The service plan includes five core functions: global account overview, global asset allocation, global convenient remittance, global payroll convenience, and global premium rights [3] - The bank has also released two white papers focused on global asset allocation and wealth management for high-net-worth individuals, continuing its commitment to respond to client asset allocation needs [3] Group 1 - The launch of the global service plan is part of the Bank of China's efforts to optimize cross-border trade and investment facilitation measures [3] - The service aims to provide a one-stop, full-cycle support for cross-border clients, enhancing the accessibility and convenience of financial services [3] - The bank has integrated its mainland and Hong Kong mobile banking services, allowing for a seamless experience where clients can initiate transactions from one end and view them on both ends [3] Group 2 - The bank emphasizes four key features of its global remittance services: cost-effectiveness, speed, security, and convenience [3] - The "Bank of China Global Payroll" service supports a comprehensive financial ecosystem from enterprises to employees and individuals to families [3] - Clients can open local accounts in over ten countries or regions and enjoy corresponding tiered services with a single identity [3] Group 3 - The Bank of China aims to enhance its global service layout with a broader vision, practical measures, and superior services to accompany global clients in creating value [4]